Rooftops Canada Kenya and Tanzania 2010 study visit
Rooftops CanadaAbri internationalCelebrating 25 Years!Building homes andcommunities since 1984
Rooftops CanadaAbri international…the international development programof cooperative and social housing groupsin Canada since 1984
Our Canadian partners houseover 650,000 households…• The Co-operative • The New Brunswick Housing Federation Non-Profit Housing of Canada Association• The Canadian • la Confédération Housing and québécoise des Renewal coopératives Association d’habitation• The Ontario Non- • The British Profit Housing Columbia Non-Profit Association Housing Association
The Challenge1.2 Billion people – 1/3 of the global urbanpopulation - live in slums. this includes 70% ofurban Africans - 225 million people. UN MDGsaim to improve the lives of only 100 million.
Our responseRooftops Canada partners with housing groups,housing co-ops and credit unions, NGOs, tradeunions, governments, international agencies andthe private sector to improve housing conditionsand build sustainable communities.
Since 1984…• Mobilized over $30 million for projects and programs with overseas partners.• Helped build local capacity - over 370 technical advisors in 36 countries.• Supported over 280 visitors to Canada from 21 countries. 1992: James McGregor
Since 1984…• Pioneering housing-linked responses to HIV and AIDS with African partners• Leading housing microfinance work in sub- Saharan Africa• Post-disaster housing programs in Rwanda, Turkey, the Americas and Indonesia
Rooftops Canada in Tanzania• 1995: Provided support for ongoing land rights campaign, and early work to design and implement a housing co-op program• 2003: Connected WAT with the Norwegian Federation of Housing Cooperative Associations leading to collaboration in a basket-funding program• 2008: Helped with major four year pilot housing microfinance program - funded by the Financial Sector Deepening Trust (FSDT) in Tanzania of which CIDA is a very significant funder.
Tanzania: Housing SituationPopulation: 34.44 millionArea : 883,600 sq.km.Population living in unplanned settlements: 40 - 75 percent• Rapid urbanization• Lack of basic services: sanitation & drainage systems, water• Inadequacy of shelter delivery system/land acquisition• Overcrowding, HIV/AIDS• Shortage of surveyed plots
WAT-Human Settlements Trus t• Informal settlements• Supports housing cooperatives• Housing finance to low & middle income women• Advocacy and lobbying
Informal Human Settlements• Development of squatter or unplanned settlements• Demand (1998) for units of conventional housing 1,500,000 units• Increased vulnerability to HIV and AIDS• Lack of social services• Un-planned construction
Turning loans to homes …“Using a Business Model to Raise Housing Circumstances”
Home of Charles Solomon and Family Makabora Housing Plot in Makabora Coop Group and house built with incremental housing micro finance. 1st loan, 2004 to buy plot: $802 US 2nd loan 2008 for building 25sq.m: $2,300 US 3rd loan 2009 for extension of home: $920 US
Solomon’s addition Incremental housing micro finance (HMF) adds a separate “kitchen” and chicken pen
Home of Co-op MemberSaving to financeadding doors andwindows as upgrades
Current Home of Member Home of saver for new housing
Hannanasif •Settlement not far from business sector of Dar es Salaam •1st Goal: map the settlement, •2nd Goal: recognition of right to property, •Upgrade homes, build additions for income 2008 Government of Tanzania Issues Rights of Occupancy Certificates provided (with cost) to 161 house owners
Everyday Life in Hannanasif Hannanasif is fortunate to have drainage Ditches with bridges
Tabitha Siwale and Brad Lester WAT and Rooftops Canada work on strategies to encourage culture of savings and joining the Co-op as well as participation in HMF
Smiling and Proud One room : with her savings and HMF Ceiling has been raised – no longer needs to bend over inside Window plexiglass, She tiled her dirt floor with pieces of tile
Small business- generating income Mrs. Nyaki financed adding shop space to rent out
Rooftops Canada in Kenya• 1984: First Rooftops Canada partner. NACHU has been a leader in pioneering HMF in Kenya (with Rooftops Canada support)• 2004: FECHIMM (Quebec Cooperative) loan through Rooftops Canada to NACHU• 2010: Current HMF loan fund : financed 80 percent from donations ($335, 000) by international agencies and 20 percent from low cost loans operations
Kenya: Housing Situation• Population: 36 million• Kibera: world’s second largest slum• 45% of Nairobis population of 3.5 million people live in slums • Lack of basic services: sanitation & drainage systems, water • Overcrowding, HIV/AIDS
2008: Post-election Violence• 30,000 people forced from their homes• Co-op housing burnt to the ground• Water & sanitation systems vandalized• Shelter for HIV and AIDS orphans looted and destroyed
NACHU• NACHU encourages a culture of savings; minimum shs 200 per month (equivalent to $3.40 CDN)• Provides small loans (against savings) that fit the way housing is built by the poor – progressively and over long time periods.
Small Business Enterprises• Improving livelihoods through small business for income toward housing• Ability to repay loans and work toward the next increased incremental loan
Violence hits Homes• Co-op housing destroyed or illegally occupied• Loss of sources of livelihood, income and capital• Cooperative and social fabrics disrupted
Video: Posho Corn Mill• Owner of a maize (corn) mill business describes how his business and his home were destroyed in the post election violence except for one grinding machine.• He has used incremental financing and some help from government to rebuild his home and business
Not a Slum Co-op member has used her co-op membership and savings to finance her house cement siding. She has started a day care to earn more money to save for her next loan.
A Challenge for NACHU Encouraging members through co-op member support not to sell upgraded home for quick cash and return to the slums
Day Care CourtyardScott’s Suckers are a Hit: Courtyard daycare children with study visitors
Board Chair and a Co-op Member NACHU member explains her upgrade of house siding and her plan of the day care for Higher earnings and saving for her next loan. She cares for about 18 children a day. Today only 14!
A Swahill House Video• 1st loan: building with rooms for extended family and rental• 2nd: “restaurant”
Inside One of the EntriesThrough a door ofthe Swahili house One room “restaurant”Extended familyof the co-op member
Naivasha Traders Housing Co-operative Society Ltd. • Small scale traders:Used groupDeputy Mayor: from fund to make permanenthomelessness to leader of investments in land and housingCo-op to politics • Bought land and subdivided among the members for rental income or self housing • 703 members have allocated plots and 310 have constructed
Out of the SlumsInitial savings buys a plot and materialfor 20ft by 10ft home
Where Does the Money Come From? • 2004, FECHIMM (Quebec Cooperative) loan through Rooftops Canada, to NACHU, HMF $20,000, interest rate 5% • NACHU good with the terms of the agreement, never missing a payment. • 2008, after the post election violence, the co- ops in the Nakuru area had been destroyed, NACHU asked for a break in the payments: granted for about a year. Now the situation is back to normal.
How Does All This Happen? Cont’d• The Rooftops Canada Africa Housing Fund is launching an initial capital target of at least one million dollars with a projected growth several times that amount.• Cooperative Housing Federation Canada has championed the cause by investing $100,000 to back up the fund.• Funding sparking interest from local banks to participate – MOU signed in Kenya
NACHU Awards of Excellence Award from CHRA on the table The organization is proud of awards Received and its international partners
What can Canadian housing groups do?• Support WAT and NACHU HMF and capacity building and projects through Rooftops Canada• Stay informed and help inform others – organize an education event• Visit www.rooftops.ca for more ideas