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The challenge of accessibility to adequate housing in several countries by a large percentage of citizens has given rise to different housing programs designed to facilitate access to affordable housing. In South Africa, the National Housing Finance Corporation (NHFC) was created to provides housing loans to low- and middle-income earners. Thus, the purpose of this study was to evaluate the implication of the macroeconomic risk elements on the performance of the NHFC incremental housing finance.

This study used a mixed-method approach to examine the time-series data of the NHFC over 17 years (2003–2020), relative to selected macroeconomic indicators. Additionally, this study analysed primary data from a 2022 survey of NHFC Executives.

This study found that incremental housing finance addresses a housing affordability gap, caters to disadvantaged groups, adapts to changing macroeconomic conditions and can mitigate default risk. It also finds that the performance of the NHFC’s incremental housing finance is premised on the behaviour of the macroeconomic elements that drive its strategy in South Africa.

Unlike previous works on housing finance, this case study of the NHFC considers the implication of macroeconomic trends when disbursing incremental housing finance to low- and middle-level income earners as a risk mitigation measure for the South African market. Its mixed method use of quantitative and qualitative data also allows a robust insight into trends that drive investment in incremental housing finance in South Africa.

The urban population in the developing world will double by the year 2030 increasing the pressure in the housing sector that already suffers from the lack of adequate and affordable housing. Egypt, similar to most countries in the developing world, witnesses a huge deficit in the housing units needed for low-income groups. Since the mid Nineteen Seventies, the Egyptian government adopted and implemented a variety of low-cost housing development strategies including: site and services schemes, core housing projects, partially completed housing units in apartment blocks, and totally finished housing projects. The huge informal housing sector in Egypt has proved the ability of the low-income groups to build for their own-selves. Thus, the incremental housing approach was one of the approaches that were adopted by the Egyptian government to solve the housing problem. Ebny Baitak or “Build Your House” is an incremental housing approach and one of the approaches undertaken by the Ministry of Housing, Utilities, and Urban Development within the National Housing Program to solve the housing problems of low-income groups in Egypt. This paper discusses the recent Egyptian experience in encouraging the participation of low-income groups in the construction process of their own houses through an incremental housing program “Ebny Baitak project”. The paper also derives the implications that could be learned from this experience towards better application in the future.

The purpose of this study is to examine the adequacy of incrementally constructed government assisted self‐help housing in addressing the needs of residents of the Workers’ Housing Estate, Abeokuta, Ogun State, Nigeria.

A quantitative method and the survey research approach were used. Data were collected from randomly selected 156 household heads in this housing estate with structured questionnaires and analyzed using descriptive and factor analyses.

About 50 percent of the respondents felt that housing environment in the estate was adequate in meeting their needs. Adequacy of housing unit characteristics was higher than that of housing services, social infrastructure and management of the housing estate.

Incremental housing construction strategy can provide adequate housing for low and middle‐income public sector workers in the developing countries; and this can be enhanced through measures that ensure rapid upgrading of housing units and access to housing services and basic infrastructure by the residents.

The adoption of government assisted incremental construction strategy has great potentials in facilitating access to housing by low‐income urban residents in the developing countries.

A pioneer study on the adequacy of housing provided using the incremental construction strategy in Ogun State Nigeria. Findings may not be generalised, but they have implications for social housing in the developing countries.

This paper examines the transformation of the housing typology in informal neighbourhoods located on the periphery of Dakar, Senegal. More specifically, it documents the spatial logics and factors guiding the construction of new multi-storey houses called “villas”, which are significantly transforming the landscape of the city. Studies have thus far examined villas through the lenses of migrants’ investments and lifestyles, associating these houses with new functions and decorative elements and materials inspired by time spent abroad, with innovative ways of building and dwelling that disrupt more popular housing practices. Based upon an architectural survey of seventeen houses and the detailed stories of their construction, this paper argues that while the Senegalese villa is influenced by global networks and symbols of success, it is also deeply rooted in popular housing forms and building practices. Moreover, because house-building processes are predominantly incremental, the construction of this new house type is not limited to migrants and other privileged dwellers. Although at different speeds, most residents are building and transforming their houses according to spatial and constructive logics characteristic of villas. These results have implications for housing policies and programmes because they contribute to challenging assumptions about residential production, new housing typologies and the pivotal actors of these urban transformations.

Over the past three decades, a small community of eighty-four Chilean low-income families has built and improved their home incrementally, without any technical assistance, showing an impressive performance. A six square meters bathroom on a serviced plot of land with individual connection to potable water, sewerage, electricity and access roads, worked as a starting point back in 1974. However particular their rationale may seem, the individual history of their housing process reveals some general regularities in occurrence and duration of self-build activities, as well as size and allocation of the domestic spaces. A small random sample of fifteen households was selected to tell the story and explain the whys, hows, and whens of an ever-evolving housing process. Semi-structured interviews and building surveys were both combined to reconstruct the sequence of states of each housing process, with the awareness of the characteristic imprecision of oral information transfer. Alternative states were explored by constraint programming methods and spatial qualitative reasoning. Considering the hard constraints over the site morphology and services allocation, the results of the exploration stress how extraordinary lucid and intuitive the surveyed families are when making their design decisions. The article exposes a reconstructive case study on spontaneous growth patterns underlying an unassisted, incremental self-build housing dynamics.

Customization is a paradox in architecture, providing necessary modernization for buildings but potentially damaging their architectural integrity. In this paper, the authors introduce the Inhabitant-Driven Customization approach for avoiding this paradox; this approach lets inhabitants design the customization from options created by architects that safeguard architectural rules. As a first implementation of the Inhabitant-Driven Customization approach, the MyChanges tool is presented. The authors assess whether the approach avoids the customization paradox by a qualitative stakeholder evaluation of the MyChanges tool and by a comparison of the Inhabitant-Driven Customization approach with existing approaches to housing customization.

MyChanges is a shape grammar-based design tool developed to enable inhabitants of the Álvaro Siza Vieira Malagueira housing complex to customize their houses in accordance with the architectural language of the complex. In this study, the authors qualitatively evaluated MyChanges with architects and other professional stakeholders. MyChanges is used in this paper to assess if the Inhabitant-Driven Customization approach avoids the paradox of customization. The initial reception of MyChanges produced diverging outcomes, suggesting that Inhabitant-Driven Customization is also unable to avoid the customization paradox. For analyzing this possibility further, this paper describes the main existing approaches to housing customization, including the Inhabitant-Driven Customization approach, formulates nine conditions for these approaches, and provides a qualitative comparative assessment of the approaches.

The customization paradox is demonstrated in the outcomes of the interviews with professional stakeholders on the MyChanges customization tool for the Malagueira housing complex. An argument is given that makes plausible that the Inhabitant-Driven Customization approach avoids the customization paradox by creating a co-design process in which inhabitants and architects alternately shape customization.

The originality of this paper lies in the introduction and discussion of the paradox of customization in housing. The paper identifies the conditions advanced in architecture for assessing housing customization approaches. Additionally, the authors propose a new customization approach and a design tool that to a large extent fulfills those conditions and avoids the customization paradox.

This paper aims to develop a set of affordable space and dimensional standards for market-driven low-income housing in Indian context for the purpose of mass production using industrialised building system.

For this, the paper first explains the significance of standardisation from the literature and revisits the codes and contemporary practices in industrialised building system (IBS) in India. Next, it undertakes a market survey of ongoing/completed housing projects to study the space/dimensions reflected in the market demand by the people. After considering conditions like modular grid suitability and provisions of code, it identifies a set of dimensional standards of activity spaces, emerging from the market study. It also suggests a framework of modular units showing the incremental attachment possibility for component-based construction using IBS. These standards and design frameworks will make the path for developing various products and components towards an open system in India.

The paper gives an insight of the market trends of low-income housing, focusing on unit designs and spatial elements.

Local contextualisation during the unit designs will be required and that is not addressed in this paper.

This will benefit developers, manufacturers, designers as well as policymakers towards a market-driven housing delivery using IBS.

As a result of this standardisation, housing delivery will be faster and there will be more numbers of market-driven affordable housing in masses for low-income people, thus solving housing shortage.

A developing country like India is a diversified country having many geographical and social variations. Such standardisation for a space and design framework has never been attempted before and will make a contribution for the public housing sector.

This study explores how creative leadership unfolds in the pursuit of social purpose. Drawing on the case of an architectural firm’s development of novel social housing model, we identify claims of three creative leadership processes and of scaling up for social impact. The study expands the conceptualization of creative leadership to the context of social change. It also adds to the understanding of creative industries by suggesting social purpose as a distinctive, yet underexplored driver of innovation and a source of different balancing act, as well as an important frontier for research on and practice in the creative industries.

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.