Financing low-income housing in Windhoek, Namibia : assessing the loan scheme of the decentralised Built-Together Program using the Balance Scorecard

Master Thesis


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University of Cape Town

The purpose of this mini dissertation is to review the adequacy of Built-Together Program loan funds for the large-scale delivery of adequate housing for low-income groups and to assess the performance of the loan scheme using the concept Balance Scorecard as an assessment tool. The research method employ s interview and survey methods to collect data. Data was collected and analyzed from a n administrator and beneficiary perspective to understand the workings and the main characteristics of the program. The primary beneficiaries of the Built-Together Program are the vulnerable in society and comprise primarily of women and single parents. It is therefore critical that the efficiency and sustainability of the loan scheme be improved to ensure that the needy in society continue to benefit. One of the major findings of the research is that the Built-Together Program is inadequate to deliver the most basic low-income house. It is therefore not surprising to hear and read about the dissatisfaction about the Built Together Program expressed by the Namibian Government, local and regional councils and beneficiaries in the local media. The research recommended that the authorities review the Program and bring it in line with the critical successes requirements for national housing policies and strategies.

Includes bibliographical references