| dc.description.abstract | There have been some notable and encouraging advances in Housing Microfinance industry
with a steady trickle of new commercial entrants. Banks, microfinance banks and general
microfinance lenders are introducing it, in various shades, as a product within their lending
portfolio. Some of these organizations are growing while others are not. Habitat for
Humanity is at the forefront trying to build capacity of institutions willing to offer Housing
Microfinance. Habitat for Humanity Kenya practices Housing Microfinance in various parts
of the country. The purpose of this study was to examine the factors influencing
implementation of Housing Microfinance at Habitat for Humanity Kenya. The study was
guided by the following objectives: to determine the influence of employees level of Housing
Microfinance skills on implementation of Housing Microfinance at Habitat for Humanity
Kenya, to find out how housing scheme procedures influence implementation of Housing
Microfinance at Habitat For Humanity Kenya, to establish the influence of land ownership
on implementation of Housing Microfinance at Habitat for Humanity Kenya and to inquire if
infrastructure influences implementation of Housing Microfinance at Habitat for Humanity
Kenya. This research employed descriptive survey design. The target population was all 29
employees of Habitat for Humanity Kenya and 100 clients of Eldama Ravine region as at the
time of study. Through purposive sampling all the 129 respondents constituted the sample
size. Data was collected using structured questionnaires. The questionnaires were
administered to the target population by the researcher to gather primary data. The data was
analyzed using Quantitative techniques. Statistical Package for Social Sciences was used to
analyze data. The data output is presented in form of tables. The research findings show that
employees need relevant skills to implement Housing Microfinance. The study also found
out that there are set guidelines that need to be followed when an institution is implementing
Housing Microfinance, this should be followed for the program to be executed. It also
emerged that land security does not have to mean full legal title. Land security was found to
be the confidence that a household will not be forcefully evicted. The other thing which
emerged from the study was that the target market for Housing Microfinance lives in places
which are not accessible and therefore the organization needs to find means of reaching
them. Finally there arose from the research findings that serious demand assessment and
planning for scaling up Housing Microfinance requires further analysis of the market subsegments
among the economically active poor so that the scope and nature of potential
demand is better understood. Based on the findings, the study recommended that all
employees should be trained on Housing Microfinance and regular trainings given to the
program people on the emerging issues on the Housing Microfinance subject, internet should
be upgraded, that the organization should provide the program staff with automobiles for
easy movement in the field, the institution should understand clients’ needs; they are the ones
who know how and where they want to live, the loan size can also be revised upwards
depending on availability of capital since it was established that the amounts given are small
to some clients who could afford to take more and that the institution should come up with
Housing Microfinance product for the urban poor and consider introducing individual loans.
The study concludes with confidence level of 95% that implementation Housing
Micro-finance is influenced by factors as employee skills, lending procedure, land ownership
and infrastructure. | en_US |
