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The purpose of this paper is to explore the de/motivation variables in the delivery of housing microfinance (HMF) in the low-income housing market in Ghana.

The paper relied on a survey of 125 respondents of microfinance institutions (MFIs) to understand the interactions and effects of these variables on HMF delivery in Ghana. Descriptive and bivariate statistical methods were used to analyse the data.

The findings revealed that both internal and external variables motivate MFIs to engage in the low-income housing market. These variables are: MFIs desire for expansion, the potential size of the low-income housing market, the market potential for MFIs growth, the availability of local resources, unique features and products of the market, low-income housing offering an opportunity for leveraging resources and the preference for homeownership than rental among individuals in the low-income segment of the population. However, variables such as capital lock-up in HMF delivery, high-interest rates in the country, high cost and land prices, high cost and price of building materials, lack of sufficient collaterals and the different interest rates required on HMF loans also served as demotivation in the low-income housing market in Ghana.

The paper findings are limited in context to Ghana.

The paper, although limited to Ghana, contributes to the much-needed body of knowledge on low-income housing finance in developing countries.

The paper is the first of its kind in using empirical data to explore the motivational and demotivational variables in the delivery of HMF in a developing country context such as Ghana.

The emergence of housing microfinance (HMF) as a response to the low-income groups’ inability to access traditional housing finance is an innovative strategy by creative Microfinance Institutions. Yet, low-income groups’ still face barriers in accessing these innovative products, particularly in Ghana. This paper aims to examine the critical demand barriers and how to develop and improve the design and delivery of HMF interventions in the low-income housing market in Ghana.

The paper achieves its aim by adopting a focus-group discussion strategy to examine the constraints to the demand for HMF among low-income groups’ in Ghana.

Nine factors constrained the design, delivery and demand for HMF – affordability issues; risk; land tenure insecurity; high interest rate; collateralization and insurance challenges; unfavourable HMF loan conditions; lack of social capital; high cost of land and building materials; and ineffective consumer protection.

Although limited to low-income groups, strategies to stimulate demand for HMF should focus on three broad problems – affordability, macroeconomic management and institutional development and government intervention.

The paper makes significant contributions to the body of knowledge, regarding understanding the low-income housing market and its financing in the context of a developing country.

The novelty of the paper is founded on the premise of the research methodology adopted to unearthed the barriers to the demand of HMF in Ghana. Future research effort should be directed at exploring the motivations behind low-income groups’ decision to demand HMF and the risk associated with the use of HMF in the context of Ghana.

The purpose of this paper is to explore the risk factors in homeowners from the individual household’s perspectives within the owner-occupied housing sector of The Netherlands. Risk in home ownership from mortgage providers’ perspectives has received tremendous attention than individual home owner’s perspectives in existing literature following the financial crisis in 2007/2008 within the euro zone.

The paper adopted a broader review of extent literature on the different concepts and views on risk in homeownership. These concepts are unified into a framework that enhances our understanding of the perceived sophisticated risk in owner-occupier with focus on The Netherlands.

From the perspective of the homeowner, two main types of risks were identified: default payment and property price risk. The paper has unearthed a quantum number of factors which underline the above risks. These factors relate to the initial amount of mortgage loan taken out, the future housing expenses and the income development of the owner-occupier. Family disintegration is identified, as one of the main causes of mortgage default and that of property price risk are mainly influenced by income levels, interest rates and conditions in the social and private rental sectors.

Findings of the paper are based on review of the extant literature in the context of the Dutch housing market. Possible rigorous situational analysis using other tools are recommended for further research.

This paper contributes to the much needed body of knowledge in the owner-occupied sector and provides a better understanding of risk in home ownership from the individual perspectives.

Given the importance of hostels to students’ welfare and academic performance and recognition of the roles youths can play for affordable university housing, this study aims to investigate hostel management problems in the Buea Municipality, an educational hub in the South West Region of Cameroon. It explores potentials for youth advocacy for affordable university housing within the process of efficient hostel management.

The data were collected through a descriptive survey design from May to July 2015 via reconnaissance surveys, field observation, photographs, administration of questionnaires to hostel tenants (students) and interviews with hostel managers and law enforcement officials. The data have been presented and analysed using descriptive statistical techniques involving frequency tables, charts and percentages. Cartographic techniques have also been used to locate the study area.

It was found that hostel management problems in Buea stem from flaws arising from both hostel managers (landlords and/or caretakers) and hostel tenants (students) in contravention to affordable student housing and good governance principles of rent control, accountability, transparency, equality, participation and fairness. The notable hostel management problems found are indiscriminate rent increase, lack of transparency in billing and non-functional sub metres and non-refund of caution deposits by hostel managers, as well as violation of hostel rules, damage of hostel facilities and “selling of rooms” by hostel tenants.

This paper contends that youths have to be mainstreamed in the hostel management process with better platforms of advocating for affordable university students’ housing through rent control and other good governance practices in their hostel setting. It is hoped that the proposed efficient hostel management system and mainstreaming youth-led advocacy activities in affordable university students’ housing will go a long way to enhance students’ welfare and academic performance, help in rent control, fight against bribery and corruption and other governance problems.

Although there are several established frameworks for health and safety in construction, there are inadequate health and safety conditions at informal construction sites, and no framework has been designed to address this problem. The purpose of this paper is to develop a validated framework for health and safety risk management (HSRM) in informal construction sites with the aim of supporting Sustainable Development Goals 3, 8 and 11 of the 2030 Agenda, which are to ensure everyone enjoys a healthy life and to create inclusive, secure, robust and sustainable cities and human settlements, respectively.

The study is based on HSRM questionnaire survey and interviews with construction workers working on informal construction sites in Tanzania. A total of 13 health and safety specialists in construction were specifically chosen to validate the proposed framework for HSRM in informal construction to determine its applicability, efficacy and adaptation.

The validation results demonstrated that all of the suggested metrics within the framework for HSRM in informal construction scored higher than the test value, proving the framework’s feasibility

This research adds to the body of knowledge on the issue in a never-before-seen setting. To the best of the authors’ knowledge, this study is the first empirical study in Tanzania to develop and validate a framework for HSRM in informal construction.

The purpose of this paper is to develop a prioritisation framework that can guide the provision and management of on-campus student housing facility (SHF) services of southern Ghana Universities.

The paper adopted a phenomenological research strategy. Data was collected by means of focus group discussions (FGDs); a total of ten FGDs were conducted. Observations were also done during the site visit to augment the FGDs. The data were analysed thematically.

The study found that some services are perceived as “extremely important” and “basic” while others are seen as “unimportant” and “indifferent”. Services including; electricity, water, security, internet, cleaning service, maintenance service, generator, ventilation (fan), health service, library service, electric socket, study furniture, refuse collection, pest control and fire extinguisher were perceived by students as “extremely important”. However, not all of these services were perceived as “basic” requirements.

The framework can be used as a guide by facility and hostel managers to effectively prioritise and manage the services required in a university SHF. Moreover, when designing, constructing and adapting student housing facilities, the framework can be used as a guide to ensure that all critical services are provided in the student housing facilities.

Although several studies have been conducted on student housing, studies that specifically focuses on the services required in a SHF and the prioritisation of such services is lacking. This study combines students’ requirements, importance levels of requirements, and classification of requirements to develop a prioritisation system for student housing services.

This paper aims to identify the unidimensionality and reliability of 84 factors that influence the performance of construction projects and develop a confirmatory factor analysis (CFA) model.

The study adopted a deductive research approach and started by identifying the positive factors that influence construction project performance. This was followed by the modification of the identified factors. After that, a questionnaire was developed out of the factors for data collection. Exploratory factor analysis was used to establish the factor structure of the positive factors, and this was verified using CFA afterwards. A model fit analysis was performed to determine the goodness of fit of the hypothesised model, followed by the development of the confirmatory model.

The study demonstrated substantial correlation in the data, sufficient unidimensionality and internal reliability. In addition, the estimated fit indices suggested that the postulated model adequately described the sample data.

The paper revealed that performance can be enhanced if stakeholders identify and leverage the positive factors influencing performance. The paper suggests that project stakeholders, particularly government, project owners, consultants and construction firms, can improve project performance by critically examining economic and financial systems (EFS), regulation and policy-making systems (RPS), effective management practices (EMP) and project implementation strategies (PIS).

The contribution of this paper to the present literature is identifying the positive factors and developing the confirmatory factor model. The model comprised 42 positive variables under four indicators: EMP, RPS, PIS and EFS.

The construction industry is an industry which has gained notoriety when it comes to both physical and mental health problems. Compared to other industries, the construction sector has a higher prevalence of many stressors and mental health concerns. This calls for mechanisms to cope with these concerns. One coping mechanism propounded to help cope and adapt in the face of pressures and challenges is “Mental Toughness (MT)”. While mental toughness has been widely studied in various fields, there is a paucity of comprehensive research examining its significance among construction professionals. Thus, the motivation of this study is to establish the mental toughness characteristics among construction professionals in Ghana.

The construction industry is an industry which has gained notoriety when it comes to both physical and mental health problems. Compared to other industries, the construction sector has a higher prevalence of mental health concerns. One coping mechanism propounded to help cope and adapt in the face of pressures and challenges is “Mental Toughness (MT)”. While mental toughness has been widely studied in various fields, there is a paucity of comprehensive research examining its significance among construction professionals. Thus, the motivation of this study is to establish the mental toughness characteristics among construction professionals.

the study's findings revealed 13-factor model characteristics of mental toughness with 43 variables for mentally tough performers in the construction environment. These 13-factor models include Pressure Management (PM), Motivation (M), Emotional Intelligence (EI), Interpersonal self-belief (SB), Tough Attitude (TA), Job-related self-belief (SBB), Ethical Values (EV), Commitment (C), Focus (F), Optimism (OP), Expertise and Competence (EC), Imagery Control (IC) and Resilient (R).

The outcome of this study has significant practical implications for various stakeholders. For construction professionals the identified factors provide valuable insights into the psychological attributes and behaviours that contribute to mental toughness among construction professionals. Understanding these characteristics can empower professionals to develop strategies for coping with stress, maintaining focus, and fostering resilience in challenging construction environments to achieve optimum performance levels consistently.

The originality of this study's findings stems from the fact that it is among the first to provide greater insight into mental toughness characteristics considered by professionals (quantity surveyors, construction managers, engineers, project managers, architects, estate managers) in the construction industry.

This paper presents a bespoke model for understanding off-site construction (OSC) readiness among Indian construction organisations. This model presents 17 variables for discussion, the results from which help support OSC strategic decision-making.

Factor analysis was used to investigate the relationship between variables to group them into factors. After identifying 26 different variables, these were reduced to 17 using factor analysis and categorised into four groups. Descriptive statistical analysis and factor analysis using SPSS was used to develop a hierarchy of factors that affect OSC readiness in India. These findings were reinforced by five domain experts to support the results.

Minimising on-site duration, ensuring cost and time certainty and transportation issues were identified as the three most important factors, whereas lack of guidance and scepticism were among the lowest factors affecting the Indian OSC sector.

This research is specifically focused on OSC within the Indian construction sector. As such, data collection, propagation and analysis should be constrained to the population context regarding inference, generalisability and repeatability.

The proffered OSC readiness model offers OSC practitioners an ability to assess the OSC readiness of construction organisations in India. This includes the evaluation and benchmarking of processes in both strategic and operational phases, including highlighting areas of concern and scope for further development (to achieve optimal advantage of OSC methods).

Originality rests with the use of factor analysis and descriptive statistical analysis to study the influence of different construction-related factors and variables on the OSC sector in India. This impact readiness model is context-specific to the Indian OSC sector – providing a unique insight into the causal factors and dependencies that can affect the adoption and uptake of modern methods of construction in India.