Housing problem
in Nigeria are multi dimensional, they occur both in the urban and rural areas.
They are qualitative and quantitative, psychological and socio cultural in
nature these problems are consequential of the inability and ineffectiveness of
both the public and private sector to meet the housing need of the populist. As
a result of this, any lasting solution to the Nigerian housing problem require
a multi-fatted approach.
Housing delivery
system in Nigeria is a combination of interrelated process as such, housing
problem are multi-farious and require multi-dimensional solutions Nigerian’s
diverse housing problem revolve around over crowding and slum housing. Many
Nigerian cannot afford decent housing; they live in contraptions that can only
be called shelter and not housing.
Government overtime has intervened in the
housing sector by increasing housing stock through the construction of housing
estate and disbursement of housing loans. This measure have done little to
address the situation on the other hand, housing provided by private sector
operators are out of economic reach of medium income housing earner. An
effective and realistic strategy for providing decent housing in decent
environment at decent price is therefore critical. Various authorities have
provide strategy in improving housing delivery but various report review that
the rigid bureaucratic system of government should be streamlined, while issues
of land allocation and housing finance should be addressed.
Report on operative housing ability suggested
that financial institution should be more accessible to the people, it indicate
that cooperate housing movement should be given a closer look since cooperate
housing as a society that corporately owns a group of houses in which each
member participate actively relate on matters concerning housing. Good to
mention on this concept is that, it democratically controls it activities and
receive a social and economic benefits in all owning a cooperative. It
operational framework remains lighter for economic advantage were individual
can own a house, including all land dwelling unit it stakeholders who by virtue
of their stock ownership are entitle to occupy a specific housing unit, in
turn, jointly own by the cooperative cooperation.
The stakeholder purchases stock in the
cooperative cooperation, upon purchase of the stock, is sign perpetual lease
that deals him a legal and exclusive right to occupy a dwelling unit as long as
all obligations to the cooperative are meet the cooperation is the legal owner
of the property. As such, the cooperation is responsible for meeting a
financial obligation including mortgage payment, real property tax and
management maintenance cause. The cooperative passes on these costs to the
stakeholders who pay a single monthly fee for caring charges for the
cooperative seek to provide the highest quality housing possible within cost
guidance. Benefits durable from cooperative housing are economic social and
physical.
This meaningful option is where maintenance
responsibility is the cooperative association’s equity who bares the cost of
major repairs, and vandalism and in any case of abuse of property. Another case
in point is including democratic control and participatory decision making,
cultural diversity and the elimination of outside landlords. On best practice,
report indicates that cooperative movement in united state of America has
witness tremendous boost in the past two years especially since it stakeholders
have applied for housing development. Report reveal that Cooperative housing in
the Us provides decent housing and affordable housing for low and middle income
earner in self governing communities.
Accordingly, it
is well funded, regenerated and amendable to comprehensive land use planning
and democratic control. It Overall objectives is to obtain for low and moderate
income families, decent housing at affordable price with effective resident
control. Report also reveals that most of the cooperative were set up by civil
organization and private realtors. Government only act as a policy maker and a
facilitator by offering tax rebates and direct funding fro cooperative targeted
at the poor. It also indicate that the government having cooperative are the
commercial institution fund the system, cooperative enjoy the right to
formulate their own policy and funding arrangement in addition, bottom up
approach use here are the professional urban planners who save as the initial
pressure group and are fully involved in ensuring that planning principles are
not compromise report also indicate that today, over one million American live
in housing cooperative 17% of the total number of the rent reduction housing
unit in America are on cooperative. it growth have been attributed to the high
government support it get through legislation and funding, And in recent time
privatization.
In Nigerian experience cooperative is not new,
the principles of cooperative is entrenched in the lessons of many Nigerian’s
either nationality inconsiderable of proportion of rural dwelling were produced
by people’s physical effort as well as obtaining loans from the local
cooperative saving society. As successful as the systems were not much emphasis
on formal cooperative housing is operated in Nigeria. Report indicates that
although credit, tariff solution and building society exist which indirectly
perform cooperative housing function; the impact of the housing sector is
negligible. Apart from the fact that the principles of cooperative is inherent
in most Nigerian culture, cooperative housing is a pragmatic and curse
effective means of home ownership.
The principles have been a benefit to many
influential organizations such as the United Nation, infrastructural
cooperative alliance and the united nation center foe human settlement.
Unavoidably, however, socio economic constant have affected the Nigerian
housing industry adversely. The construction industry in Nigeria is in dire
straits the problem is further aggravated by the high cost of building
material; inadequate provision of infrastructure within the existing housing
estate is traceable to the hailing economy which seems to defy solution.
Structural unemployment is the order of the
day in fact, poverty has been institutionalized hence it is impossible for a
medium income earner to own a house judging from the extensive housing demand
in Nigeria urban center, there is the need for a revolutionary and reductive
strategy involving non market and non profit making measures. Indeed the
application for the cooperative housing principle to Nigerian housing problem
requires an indebt study of her culture and socio economic environment in order
to device an indigenous and workable operational frame work. As the discussed,
a study of experiences of other countries can also act as guide
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