24 new loans were disbursed during week 13, for a total of 29,400,000 shillings. (One approved client travelled out of Dar es Salaam and could not have the loan disbursed during the week.) The loans ranged from the lowest possible loan amount (TSH 200,000) to the maximum loan amount of 1,500,000. A large majority of the loans, 16 loans, were for the maximum amount. This continues to be a somewhat disturbing trend, as our hope is to disburse more loans of lower amounts that are affordable to households of lower incomes. We will continue to study and try to influence this trend, first through promotional efforts, but later through possible product or process design changes following evaluation of the MAKAZI BORA program early next year.
Habitat for Humanity Tanzania participated in a meeting of the Habitat Forum Tanzania (HAFOTA) on 17th and 18th September. HAFOTA is a forum of organizations and individuals who seek to promote an enabling environment for affordable housing. Other HAFOTA members include WAT Human Settlements Trust, Housing Development Society of Tanzania, Centre for Community Initiative, Mwanza Rural Housing Program, various housing cooperative groups and others.
The meeting included presentations by the Ministry of Land, Housing and Human Settlements Development on the Unit Titles Act (16) of 2008 and the Mortgage Financing Act (17) of 2008. The mortgage financing act is the first mortgage financing law in Tanzania, which is an indication of the level of development of housing finance in the country. It is a positive step forward in providing an enabling environment for housing finance. Other presentations included papers on mainstreaming gender in housing and a rights based approach to housing.
HAFOTA's Objectives are:
1. To engage and lobby the government at all levels to make shelter issues a priority on the national development agenda and to create an enabling environment for the housing sector.
2. To promote adequate and affordable shelter for all, especially low income groups, by joining and coordinating efforts of members and other stakeholders involved in the development of human settlements.
3. To coordinate, lobby and advocate stakeholders' burning issues on affordable and secure shelter.
4. To disseminate and share information among members on credit facilities, security of tenure, policies and laws, and technological issues related to shelter delivery.
5. To create awareness to the general public on secure tenure, acccess to credit facilities, policies and laws, cooperative building societies, appropriate materials and technology, empowerment and mainstreaming gender and environment in relation to shelter delivery and human settlement.
6. To document best practices on housing access and land and make these documents available for reference and information sharing.
7. To network and collaborate with organizations with similar objectives and aspirations for adequate housing and land development.
8. To advocate for realistic standards and regulations for adequate housing and land development.
9. To encourage the formation of cooperative building societies as a tool for mass mobilization in realizing the Forum's mission.
10. To encourage policies that foster self-reliance, sense of ownership, citizenship and national empowerment through increasing community participation in good governance, decision-making and implementation.
The meeting included presentations by the Ministry of Land, Housing and Human Settlements Development on the Unit Titles Act (16) of 2008 and the Mortgage Financing Act (17) of 2008. The mortgage financing act is the first mortgage financing law in Tanzania, which is an indication of the level of development of housing finance in the country. It is a positive step forward in providing an enabling environment for housing finance. Other presentations included papers on mainstreaming gender in housing and a rights based approach to housing.
HAFOTA's Objectives are:
1. To engage and lobby the government at all levels to make shelter issues a priority on the national development agenda and to create an enabling environment for the housing sector.
2. To promote adequate and affordable shelter for all, especially low income groups, by joining and coordinating efforts of members and other stakeholders involved in the development of human settlements.
3. To coordinate, lobby and advocate stakeholders' burning issues on affordable and secure shelter.
4. To disseminate and share information among members on credit facilities, security of tenure, policies and laws, and technological issues related to shelter delivery.
5. To create awareness to the general public on secure tenure, acccess to credit facilities, policies and laws, cooperative building societies, appropriate materials and technology, empowerment and mainstreaming gender and environment in relation to shelter delivery and human settlement.
6. To document best practices on housing access and land and make these documents available for reference and information sharing.
7. To network and collaborate with organizations with similar objectives and aspirations for adequate housing and land development.
8. To advocate for realistic standards and regulations for adequate housing and land development.
9. To encourage the formation of cooperative building societies as a tool for mass mobilization in realizing the Forum's mission.
10. To encourage policies that foster self-reliance, sense of ownership, citizenship and national empowerment through increasing community participation in good governance, decision-making and implementation.
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