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HOW TO USE SMALL FINANCE RECOURSES FOR BETTERING ROMA HOUSING All figures in this presentation are derived from researches:  Eagle's Nest Gypsy enclave  1992 - 1994,  Deponija slum  1999 - 2003,  Gazela slum  2005,  Kanjza Horgos Roma village  2006 and  Batajnica Roma settlement  2007 Prof. dr Vladimir Macura architect Regional Initiative Exploring Opportunities for Improving Housing Microfinance Servicies for Roma 12-13 April 2007, Skopje Republic of Macedonia
HOW TO USE SMALL FINANCE RECOURSES FOR BETTERING ROMA HOUSING ,[object Object],[object Object],Approach: international and domestic documents 2. There are set of international and domestic documents that should be in mind when we are talking about Roma housing issue, including finances challenges. These documents are: ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Serbian documents International documents
[object Object],[object Object],HOW TO USE SMALL FINANCE RECOURSES FOR BETTERING ROMA HOUSING Main topic: house and yard 3.
HOW TO USE SMALL FINANCE RECOURSES FOR BETTERING ROMA HOUSING ,[object Object],[object Object],Housing types: shack, cottage, and house  4. shack cottage house villas are not our topic
HOW TO USE SMALL FINANCE RECOURSES FOR BETTERING ROMA HOUSING ,[object Object],[object Object],Overall goal: better home for all 5. Our overall goal could be to offer equal chances to each family category, to people living in houses and cottages, as well as to those inhabited in shacks.
HOW TO USE SMALL FINANCE RECOURSES FOR BETTERING ROMA HOUSING House price: few examples 6. • Different families could pay a different market price for a house  • Price is always in harmony with family’s incom 100 - 140 5000 - 7000 Brick and concrete, 50 m2  Pirot - Barje 60 - 75 2500 - 3000 Brick and timber, small cottage, 40m2 Belgrade - Marinkova bar 35 - 40 3500 - 4000 Adobe, large house, 100 m2 Kanjiza - "On the street" 10 - 19 400  700 Adobe, small cottage, 40 m2  Kanjiza - Horgos 7 - 16  200 - 500 Non building material, Shack, 30 m2 Belgrade - Gazela prices of m2 of the house in EURO Total market price of the house in EURO Material, type of house an floor space in m2  Place and settlement
HOW TO USE SMALL FINANCE RECOURSES FOR BETTERING ROMA HOUSING ,[object Object],Financial means: various sources 7. 40% Combination of previous sources Less then 5% Loans from illegal "banks" with 15% rate of interest  Less then 5% Loans from banks if a family's member is employ  20% Savings, but not in bank  30% Loans from broader family, friends, colleagues, neighbors  Persentage of families oriented to source Source
HOW TO USE SMALL FINANCE RECOURSES FOR BETTERING ROMA HOUSING ,[object Object],[object Object],[object Object],Expenses: building is priority 8.
HOW TO USE SMALL FINANCE RECOURSES FOR BETTERING ROMA HOUSING ,[object Object],9. Actors in building works and building material 95 5 00 40 10 50 House 70 30 00 10 20 70 Cottage 00 10 90 00 10 90 Shack Building Recyclable Non-build. Craftsman Moba Family Material Work Type
HOW TO USE SMALL FINANCE RECOURSES FOR BETTERING ROMA HOUSING ,[object Object],[object Object],Self-help building: mistakes are often 10.
HOW TO USE SMALL FINANCE RECOURSES FOR BETTERING ROMA HOUSING ,[object Object],[object Object],Solving the problem: capacity building 11.
HOW TO USE SMALL FINANCE RECOURSES FOR BETTERING ROMA HOUSING Result: every type of house could be a decent home 12. • Authorities have to develop all aspects of organized self-help housing • Roma should be included in this process from very beginning
HOW TO USE SMALL FINANCE RECOURSES FOR BETTERING ROMA HOUSING ,[object Object],[object Object],Thank you on your attention 13.

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HOW TO USE SMALL FINANCE RECOURSES FOR BETTERING ROMA HOUSING

  • 1. HOW TO USE SMALL FINANCE RECOURSES FOR BETTERING ROMA HOUSING All figures in this presentation are derived from researches: Eagle's Nest Gypsy enclave 1992 - 1994, Deponija slum 1999 - 2003, Gazela slum 2005, Kanjza Horgos Roma village 2006 and Batajnica Roma settlement 2007 Prof. dr Vladimir Macura architect Regional Initiative Exploring Opportunities for Improving Housing Microfinance Servicies for Roma 12-13 April 2007, Skopje Republic of Macedonia
  • 2.
  • 3.
  • 4.
  • 5.
  • 6. HOW TO USE SMALL FINANCE RECOURSES FOR BETTERING ROMA HOUSING House price: few examples 6. • Different families could pay a different market price for a house • Price is always in harmony with family’s incom 100 - 140 5000 - 7000 Brick and concrete, 50 m2 Pirot - Barje 60 - 75 2500 - 3000 Brick and timber, small cottage, 40m2 Belgrade - Marinkova bar 35 - 40 3500 - 4000 Adobe, large house, 100 m2 Kanjiza - "On the street" 10 - 19 400 700 Adobe, small cottage, 40 m2 Kanjiza - Horgos 7 - 16 200 - 500 Non building material, Shack, 30 m2 Belgrade - Gazela prices of m2 of the house in EURO Total market price of the house in EURO Material, type of house an floor space in m2 Place and settlement
  • 7.
  • 8.
  • 9.
  • 10.
  • 11.
  • 12. HOW TO USE SMALL FINANCE RECOURSES FOR BETTERING ROMA HOUSING Result: every type of house could be a decent home 12. • Authorities have to develop all aspects of organized self-help housing • Roma should be included in this process from very beginning
  • 13.