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Improving housing conditions: labelled loans in Kenya and Uganda

Author

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  • Amreen Choda
  • Annekathrin Schoofs
  • Noel Verrinder

Abstract

We evaluate a non-governmental housing microfinance intervention that attempts to improve housing conditions for low-income populations by simultaneously offering them a labelled loan and non-financial technical support. Using household survey data from Kenya and Uganda, we first show evidence for the successful targeting of our labelled loans because 95% of clients used the loan for the intended housing improvement. Second, our results suggest that access to small, short-term loans enables households to invest in housing upgrades that can significantly improve both the characteristics of their dwelling and their satisfaction with their dwelling.

Suggested Citation

  • Amreen Choda & Annekathrin Schoofs & Noel Verrinder, 2023. "Improving housing conditions: labelled loans in Kenya and Uganda," Journal of Development Effectiveness, Taylor & Francis Journals, vol. 15(4), pages 406-437, October.
    • Handle: RePEc:taf:jdevef:v:15:y:2023:i:4:p:406-437
    DOI: 10.1080/19439342.2022.2116077
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