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This paper examines the creation of the Financial Services Authority, concentrating on the implications for the insurance industry and the issues that will be raised in the transition to the new regime. It concludes that a more coordinated approach to regulating financial institutions will have a beneficial effect on the insurance industry, but that there will also be a downside. Much that is good about the present system may be lost, while there will be two to four years of uncertainty as the new rules are made and implemented.

Insurance has been seen as a distinct function and discipline. Over the last few years, market changes have lessened the distinctiveness of insurance. This is being reflected in the government's proposals for a new single regulator for financial institutions, the Financial Services Authority. The new regulator will further reduce the distinctiveness of insurance by seeking to apply common systems to all financial institutions. This has some advantages for some insurance companies, in particular the large diversified companies, but it also has disadvantages, particularly in terms of costs and transitional problems.

The study aims to identify the reality of the role of the banking sector in financing the Palestinian real estate and construction sector. The study demonstrated the importance of this issue by highlighting the role that Palestinian banks play in treating the problem of the increasing demand for housing because of the natural increase in population numbers and their various needs, and through knowledge of historical development for banks and the facilities they provided, especially to the real estate and construction sector.

This study carried out data from (2000–2019). The descriptive analytical method and regression method was used for analyzing the measurement model. Holt’s method was used to estimate the size of housing units needed in the Palestinian territories over the next seven years.

The study concluded that there is a need to build about (200,000) residential units in the next seven years, and the study recommended the necessity of increasing the pooled contribution of banks and directing part of it to the real estate and construction sector, amending legislative laws for the real estate market and construction, reducing taxes on building supplies and encouraging the private sector with stimulus policies or share.

The study provided results and data regarding the state of the housing sector and how its financed by Palestinian banks; it clarified the limitations and difficulties that face this sector and provides a clear path for what needs to be done to develop this sector and overcome its barriers.

This current study contributes to focusing on the reality of the banking sector and its role in financing the real estate and construction sector, in addition to the appropriate period of time for the study, which ranges between 2000 and 2019, which is a period sufficient to identify the reality of Palestinian real estate and construction and banks and the relationship between them.

The researcher believes that the study differed from its predecessors through an in-depth analysis of the existing relationship between cash assets and real assets, given that the priority of real assets over cash assets, as cash assets are considered as real over cash assets, but they do not constitute a substitute for them in economic development, the study contains a vision that recommends linking the activities of the banking sector with economic and social problems and the national issue, i.e. independence and self-determination.

A more efficient land and property market is fundamental to solving Africa’s apparently endemic problems with real property development. Despite similar problems in other developing countries, they are more pronounced in sub‐Saharan Africa and, in the absence of appropriate remedial measures, will inevitably escalate as population growth gathers momentum. This paper highlights the need for Africa to develop the necessary institutions to support the property and construction sectors, to facilitate infrastructure delivery and promote sustainable growth and development.

This study aims to investigate the house purchase behavior of low‐income Saudis regarding the sources of financing they wish to have access to, their preferences for alternative financing options, and the monthly payment amounts they could afford to make in case of mortgage financing across demographic groups.

A survey with a sample of 815 low‐income respondents with a monthly income of SR7,000 was conducted using a structured questionnaire.

The main findings of the study are that the loan from the government Real Estate Development Fund (REDF) is found to be the most preferred financing alternative, the second being cash payment; whilst the most frequently indicated option for monthly mortgage payments is between SR1,000 and SR1,500 (US$267 and US$400) among low‐income Saudis.

This study provides a snapshot of low‐income Saudi consumers' knowledge of financing options and their choice among alternative financing options.

This also offers opportunities for real estate developers to seek competitive advantage by coming up with innovative financing options to target low‐income earners.

There is limited published work exploring consumer knowledge of house purchase finance options that captures this phenomenon from the perspectives of low‐income Saudi consumers. This study contributes in filling this gap.

Explains that UK consumers currently spend over £9 billion on do‐it‐yourself (DIY) home improvement products. States that in the 1980s this was the UK’s fastest growing major retail sector, and the booming UK housing market, especially the number of house moves, was widely thought to be the main stimulus for this growth. Reveals that the annual number of house moves has fallen by 50 per cent since 1988 but the DIY market has still grown, which suggests that the link between DIY and the housing market has either changed or is not as strong as previously believed. Reassesses the major factors which affected the DIY market in the 1980s through data analysis and multiple regression techniques. Suggests from the results that the effect of house moves on the DIY market is less than conventional wisdom would indicate. Notes that the most significant factors have been identified and are being used in a five‐year forecast which shows growth in line with increases in the general economy in a new, mature DIY market. Concludes that the results highlight the care needed when basing forecasts on a single factor which may no longer be valid.

Access to housing remains high on the agenda of the governments in the developing countries. One of the responses to low income housing access is by making the housing finance conduits reachable to the poor. But is this objective really achieved? The purpose of the research paper is to evaluate the access of formal housing finance specifically in the context of the urban poor in India.

The purpose of the research is achieved by conducting a review into the available literature as well as drawing inferences from data in order to support the argument that the formal housing finance structures in India are failing to deliver to a majority of the population and primarily the urban poor when it comes to providing access to equitable housing. The paper uses qualitative method of research and analysis and presents the analysis in a descriptive approach.

Based upon a comprehensive review of literature in terms of work of other authors, reports and documents, the paper generates evidence and critically examines the context of housing finance provision for the urban poor in India. It is found that the housing finance set‐up favours the higher income groups and sidelines the low income groups, largely due to the prerequisites for accessing housing finance.

The research is perceived to be useful to policymakers and government organizations engaged in social housing to reflect on the fact that despite efforts, the outreach of finance is not adequate. It shall motivate them to re‐examine their credit policies and devise innovative mechanisms for housing finance delivery to the low income groups.

The paper presents a thorough and critical review of the housing finance structure with focus on the urban poor using current trends. It reflects on the issues and evidence so generated during research. The paper shall be useful to researchers in social housing and housing finance as well as decision makers in the Government in India and as a reference case for other countries in the developing world.