Relationships of Financial Institution Performance and Regulation Effectiveness on Housing Ownership by Low Income

The study aimed at determining the Effect of Financial Institution Performance and Regulation, Effectiveness on Housing Ownership by Low Income Earners in Gombe State with a view to providing adequate housing to cope with the challenges posed by urbanization within the Because the availability of adequate, decent and affordable housing has a long history of enhancing the living conditions and overall productivity of people in any social setting however, the availability of adequate housing units for easy access by citizens of a country is a major challenge for most developing countries. Survey research was carried out through the use of a questionnaire instrument. A total of two hundred (200) questionnaires were administered to grade level of 1 – 6 staff of ministry of education, and also low income earners in the Ministry of Education Gombe State was , out of which three hundred and four (103) were retrieved. The Stratified sampling technique was adopted for the study, while data obtained from the field were analyzed using statistical packages for social sciences relevancies of Housing Financial Institution factors in the study area it shows that Continuous availability of housing loan with highest mean of 2.96 mean and varieties of loan options to decide with the lowest mean of 2.52, the level of performance, effectiveness and regulation of financial institution were Continuous availability of housing loan with highest mean of 3.10 and Varieties of loan to decide with lowest mean of 2.48, It also revealed in the study that the effectiveness and regulation of financial institution that are did most, based on five point measurement scale, were Influence of NHF deposit to housings accessibility with highest mean of 3.25 and beneficiaries are selected base on merit has the lowest mean of 2.67. And the results of the studies shows that there is a strong, positive correlation between the two variables of performance of financial institution and effectiveness of regulation at r = 0 .747. Also there was a very strong, positive correlation between the Effectiveness of regulation of financial institution and Performance of financial institution variables at r = 0.750.