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Rooftops Canada Abri international
Celebrating 25 Years!Building homes and communities since 1984
…the international development program of cooperative and social housing groups in Canada since 1984
Rooftops Canada Abri international
Our Canadian partners house over 650,000 households…
•The Co-operative
Housing Federation of Canada
•The Canadian Housing and Renewal Association
•The Ontario Non-Profit Housing Association
• The New Brunswick Non-Profit Housing Association
• la Confédération québécoise des coopératives d’habitation
• The British Columbia Non-Profit Housing Association
1.2 Billion people – 1/3 of the global urban population - live in slums. this includes 70% of urban Africans - 225 million people. UN MDGs aim to improve the lives of only 100 million.
The Challenge
Our response
Rooftops Canada partners with housing groups, housing co-ops and credit unions, NGOs, trade unions, governments, international agencies and the private sector to improve housing conditions and 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.
• Rapid urbanization• Lack of basic services: sanitation & drainage systems,
water• Inadequacy of shelter delivery system/land acquisition• Overcrowding, HIV/AIDS• Shortage of surveyed plots• No housing finance available
Population: 34.44 million Area : 883,600 sq.km.Population living in unplanned settlements: 40 - 75 percent
Tanzania: Housing Situation
• Informal settlements• Supports housing cooperatives• Housing finance to low & middle income women• Advocacy and lobbying
WAT-Human Settlements TrustWAT-Human Settlements Trust
• 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
Informal Human SettlementsInformal Human Settlements
“Using a Business Model to Raise Housing Circumstances”
Turning loans to homes…Turning loans to homes…
Makabora Housing Coop Group
Plot in Makabora and house built withincremental 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
Home of Charles Solomon and FamilyHome of Charles Solomon and Family
Incremental housingmicro finance (HMF)adds a separate “kitchen” and chicken pen
SolomonSolomon’s addition’s addition
Saving to finance adding doors and windows as upgrades
Home of Co-op MemberHome of Co-op Member
Home of saverfor new housing
Current Home of MemberCurrent Home of Member
•Settlement not far frombusiness sector of Dar es Salaam•1st Goal: map the settlement,•2nd Goal: recognition of right to property, •Upgrade homes, buildadditions for income
2008 Government of Tanzania Issues Rights of Occupancy Certificates provided (with cost) to 161 house owners
HannanasifHannanasif
Hannanasif is fortunate to have drainage Ditches with bridges
Everyday Life in HannanasifEveryday Life in Hannanasif
WAT and Rooftops Canada work on strategies toencourage culture of savings and joining the Co-op as well as participation in HMF
Tabitha Siwale and Brad LesterTabitha Siwale and Brad Lester
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
Smiling and ProudSmiling and Proud
Mrs. Nyakifinanced addingshop space to rent out
Small business- generating incomeSmall business- generating income
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
• Lack of basic services: sanitation & drainage systems, water
• Overcrowding, HIV/AIDS
• Population: 36 million • Kibera: world’s second largest slum • 45% of Nairobi's population of 3.5 million people live in slums
Kenya: Housing SituationKenya: Housing Situation
• 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
2008: Post-election Violence2008: Post-election Violence
• 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.
NACHUNACHU
• Improving livelihoods through small business for income toward housing
• Ability to repay loans and work toward the next increased incremental loan
Small Business EnterprisesSmall Business Enterprises
• Co-op housing destroyed or illegally occupied• Loss of sources of livelihood, income and
capital• Cooperative and social fabrics disrupted
Violence hits HomesViolence hits Homes
• 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
Video: Posho Corn MillVideo: Posho Corn Mill
VideoVideo
Video of ExplanationVideo of Explanation
Co-op memberhas used herco-op membershipand savings to finance her house cementsiding.
She has started aday care to earnmore money to save for her next loan.
Not a SlumNot a Slum
Encouraging members throughco-op member support not to sell upgraded home for quick cash andreturn to the slums
A Challenge for NACHUA Challenge for NACHU
Day Care CourtyardDay Care Courtyard
ScottScott’s Suckers are a Hit: Courtyard day ’s Suckers are a Hit: Courtyard day care children with study visitorscare children with study visitors
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. Todayonly 14!
Board Chair and a Co-op MemberBoard Chair and a Co-op Member
• 1st loan: building with rooms for extended family and rental
• 2nd: “restaurant”
A Swahill House A Swahill House VideoVideo
Through a door of the Swahili house
Extended familyof the co-op member
One room “restaurant”
Inside One of the EntriesInside One of the Entries
• Small scale traders:Used group fund to make permanent investments in land and housing
• Bought land and subdivided among the members for rental income or self housing
• 703 members have allocated plots and 310 have constructed
Naivasha Traders Housing Naivasha Traders Housing Co-operative Society Ltd. Co-operative Society Ltd.
Deputy Mayor: from homelessness to leader of Co-op to politics
Water ProjectWater Project
Initial savings buys a plot and material for 20ft by 10ft home
Out of the SlumsOut of the Slums
• 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.
Where Does the Money Come From?Where Does the Money Come From?
• 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
How Does All This Happen? ContHow Does All This Happen? Cont’d’d
Award from CHRA on the tableThe organization is proud of awards Received and its international partners
NACHU Awards of ExcellenceNACHU Awards of Excellence
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
Tel: 416-366-1445 Fax: 416-366-3876E-mail: [email protected]: www.rooftops.ca
Rooftops Canada/ Abri International720 Spadina Ave, Suite 313Toronto, Ontario M5S 2T9CANADA
Contact Us…Contact Us…
Asante Sana - Thank You