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Enabling Private Investment in Affordable Housing in Nigeria: Lessons from the Experience of the Millard Fuller Foundation Projects in Nasarawa State

Author

Listed:
  • Lilian Nwachukwu

    (Department of Architecture and Built Environment, Faculty of Engineering, University of Nottingham, Nottingham NG7 2RD, UK)

  • Lucelia Rodrigues

    (Department of Architecture and Built Environment, Faculty of Engineering, University of Nottingham, Nottingham NG7 2RD, UK)

  • Lorna Kiamba

    (Department of Architecture and Built Environment, Faculty of Engineering, University of Nottingham, Nottingham NG7 2RD, UK)

Abstract

Despite the shift to private sector-driven affordable housing in Nigeria for decades, the housing deficit has continued to increase to the disadvantage of low-income families. This paper explores the enabling strategies for stimulating private-driven affordable housing in Nigeria. A case study of the Millard Fuller Foundation projects was undertaken, and semi-structured interviews were administered to 12 residents of the estates and the developer to explore their experience and highlight the considerations for designing appropriate strategies. The data generated were analysed using thematic analysis with the support of Nvivo. This study identifies four major components of construction costs—land, design, materials, and finance—that policy improvement can target to stimulate private investment. It shows that developers are likely to adopt practices that will reduce these costs with repercussions for end-users. Mindful of this, and the concern to make returns on investment, strategies should aim to harmonise both developers’ interest and that of the end-users through widespread infrastructural development to make land available in all locations, and an incremental owner-building approach so that end-users can take decisions for their housing. Furthermore, access to National Housing Fund (NHF) mortgages should be enhanced by recognising supplementary incomes in the loan origination procedures.

Suggested Citation

  • Lilian Nwachukwu & Lucelia Rodrigues & Lorna Kiamba, 2023. "Enabling Private Investment in Affordable Housing in Nigeria: Lessons from the Experience of the Millard Fuller Foundation Projects in Nasarawa State," JRFM, MDPI, vol. 16(9), pages 1-20, September.
    • Handle: RePEc:gam:jjrfmx:v:16:y:2023:i:9:p:411-:d:1240169
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    References listed on IDEAS

    as
    1. Chika Ezinwanne Udechukwu, 2008. "Obstacles to individual home ownership in Nigeria," International Journal of Housing Markets and Analysis, Emerald Group Publishing Limited, vol. 1(2), pages 182-194, June.
    2. Olusola Makinde, 2014. "Housing delivery system, need and demand," Environment, Development and Sustainability: A Multidisciplinary Approach to the Theory and Practice of Sustainable Development, Springer, vol. 16(1), pages 49-69, February.
    3. Chika Ezinwanne Udechukwu, 2008. "Obstacles to individual home ownership in Nigeria," International Journal of Housing Markets and Analysis, Emerald Group Publishing Limited, vol. 1(2), pages 182-194, June.
    4. Ghebru, Hosaena & Okumo, Austen, 2016. "Land administration service delivery and its challenges in Nigeria: A case study of eight states," NSSP working papers 39, International Food Policy Research Institute (IFPRI).
    5. Abdullahi Oladimeji Lawal & Issa Abdulmumeen Adekunle, 2018. "Access to Land and the Delivery of Affordable Housing in Nigeria: An Assessment of the Federal Housing Authority (FHA) in Abuja, 1991 to 2013," SAGE Open, , vol. 8(2), pages 21582440187, May.
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    7. repec:ava:cbnefr:v:57:y:2019:i:4:a:15:p: is not listed on IDEAS
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