CONTENTS:-
I. THE Urban Poor AND Housing Finance IN THEORETICAL AND HISTORIC PERSPECTIVE:
1. Households
2. Poverty and Livelihood Strategies
3. Social Capital
4. Housing and its Financing Strategies
5. Afford Ability, Cost Recovery and Replicability Issues in Housing Finance
6. Housing Finance Policy and its Agents
7. Innovative Housing Finance Schemes
II. Hyderabad:
1. Hyderabad in Historic Perspective
2. The Land Market
3. The Housing Market
4. The Housing Finance Market
III. FINANCING STRATEGIES OF THE URBAN POOR:
1. The Surveyed Urban Poor
2. The Importance of a Social Network
3. Livelihood: a Matter of Sourcing and Budgeting:
i. Credit and Debt
ii. Expenditures
4. Shelter and its Meaning for Slum Dwellers
5. Shelter in Slums and its Financing
IV. SLUM DWELLERS, SAVINGS, Gifts AND THEIR External CREDIT Relations FOR SHELTER:
1. Sources of Housing Finance
2. Savings, Gifts and Credit Relations of Slum Dwellers:
i. Savings
ii. Friends, Neighbours and Relatives
iii. Moneylenders and Pawnbrokers
iv. Chit Funds
v. Employers
vi. Retirement Benefit, Life Insurance
vii. Colleagues
viii. Finance Corporations
ix. Credit Co-operatives
x. Gift, Dowry
3. Networking as a Necessity for Access to Credit
4. Finance for the Urban Poor's Shelter
V. COLLECTIVE ACTION: FINANCE THROUGH CHIT Funds:
1. Chit Funds Introduced
2. Rotating Savings and Credit Associations
3. Savings Associations
4. Accumulating Savings and Credit Associations
5. Collective Action in Chit Funds
6. Chit Funds and the Poor
VI. PUBLIC HOUSING FINANCE IN HOUSING SCHEMES FOR THE URBAN POOR:
1. Housing Schemes for the Economically Weaker Sections and their Agencies
2. Housing Schemes for the Economically Weaker Sections:
i. Selection Criteria
ii. Implementation of Housing Schemes
iii. House Construction
iv. Financial Terms and Conditions
3. Housing Schemes and the Urban Poor:
i. The Selection of Beneficiaries
ii. Implementation in Practice
iii. Building Activities
iv. Housing Finance in Practice
4. Who helps who?
VII. Private housing finance: reaching downmarket?
1. National Housing Bank:
i. Promotion of Housing Finance Corporations
ii. Lending Regulations
iii. Refinancing facilities
iv. Home Loan Account Scheme
2. Housing Finance Corporations:
i. Housing Development and Finance Corporation and the Newcomers
ii. Lending in Practice
iii. Refinancing in Practice
iv. Home Loan Accounts and other Deposit Schemes
3. Small man First-successful or Not?
VIII. NGOS, CBOS AND HOUSING FINANCE:
1. Housing Finance, NGOs and CBOs in Hyderabad
2. NGOs, CBOs and Housing Finance
3. Scaling up and Linking
4. Alliances with the Public Sector
5. Alliances with the Private Sector
6. Attempts to Capture the Dynamics of the Actors Involved
7. Downmarketing Housing Finance Through Scaling up Reconsidered
IX. HOUSING FINANCE AND THE URBAN POOR IN CONCLUSION: FUTURE PERSPECTIVES:
1. Demand:
i. Household, Livelihood Strategies: Integrating Building and Financing Strategies
ii. Using Sourcing and Credit as Livelihood Strategy: Terms and Conditions
iii. Incremental Financing Discussed
2. Supply:
i. 'Informal' Sector
ii. Semi-formal Financial Institutions
iii. Public Sector
iv. Private 'Formal' Sector
v. NGOs and CBOs
3. Demand Versus Supply
4. Innovative Housing Finance Options
5. Future Perspectives
