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dc.contributor.authorGrubbauer, Monika
dc.contributor.authorMader, Philip
dc.coverage.spatialKenyaen
dc.coverage.spatialMexicoen
dc.coverage.spatialUSAen
dc.coverage.spatialThailanden
dc.coverage.spatialArgentinaen
dc.date.accessioned2022-01-13T12:15:16Z
dc.date.available2022-01-13T12:15:16Z
dc.date.issued2021-11-28
dc.identifier.citationMonika Grubbauer & Philip Mader (2021) 'Housing Housing Microfinance and Housing Financialisation in a Global Perspective', International Journal of Housing Policy, 21:4, 465-483, DOI: 10.1080/19491247.2021.1922165en
dc.identifier.urihttps://opendocs.ids.ac.uk/opendocs/handle/20.500.12413/17052
dc.description.abstractThe application of microfinance to the provision, improvement or adaptation of housing—‘housing microfinance’—is an increasingly significant area of practice and research interest. Housing microfinance has proliferated, predominantly but not exclusively in the global South. Its proliferation must be understood in the context of financialisation and the concurrently growing importance of financial self-help and private real estate investment. Promoter perspectives emphasise the affordability of microfinance solutions for housing, their appropriateness for incremental housing strategies, and potentially interesting new business models. Critical perspectives emphasise the high costs and continual need for subsidies, risks faced by borrowers and the discipline demanded from them. To advance the debate, we present an analytical typology which maps different housing microfinance approaches in terms of how they connect finance with housing, whether they are credit-led or savings-led, whether the market or the state dominates, whether they are individualistic or community-oriented, and how formal or informal they are. The five articles in this special issue, presenting material from Kenya, Mexico, U.S.A, Thailand and Argentina, collectively advance six avenues of research on housing microfinance: (1) its immediate social impacts; (2) wider impacts in terms of housing affordability, markets and policies; (3) implications for construction and retailing markets; (4) consequences for urban development and societies, (5) the financial work required from participants; (6) and the significance of the ongoing experimentation in housing microfinance.en
dc.language.isoenen
dc.publisherRoutledgeen
dc.rights.urihttps://www.ids.ac.uk/wp-content/uploads/2021/05/Latest_IDSOpenDocs_ExternalDocuments2020.pdfen
dc.subjectFinanceen
dc.titleHousing Microfinance and Housing Financialisation in a Global Perspectiveen
dc.typeArticleen
dc.rights.holder© 2021 Informa UK Limited, trading as Taylor & Francis Groupen
dc.identifier.externalurihttps://www.tandfonline.com/doi/pdf/10.1080/19491247.2021.1922165en
dc.identifier.teamBusiness, Markets and the Stateen
dc.identifier.doi10.1080/19491247.2021.1922165
rioxxterms.funderDefault funderen
rioxxterms.identifier.projectDefault projecten
rioxxterms.versionVoRen
rioxxterms.versionofrecord10.1080/19491247.2021.1922165en
rioxxterms.funder.project9ce4e4dc-26e9-4d78-96e9-15e4dcac0642en


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