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UN-HABITAT SIRP  Three models of  small housing loans ZLATA VUKSANOVIC-MACURA UN-HABITAT, Housing Coordinetor of  the Settlement and Integration of Refugees Programme in Serbia (SIRP) Exploring Opportunities for Improving Housing Microfinance Services for Roma 12 -13 April 2007, Skopje, Macedonia
[object Object],[object Object],[object Object],[object Object],[object Object],UN-HABITAT SIRP  Settlement and Integration of Refugees Programme
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],UN-HABITAT SIRP  Programme Components 7  Municipalities of Serbia Valjevo Stara Pazova Pancevo Nis Kraljevo Kragujevac Cacak
[object Object],[object Object],[object Object],UN-HABITAT SIRP  Housing Component in 7 Municipalities
[object Object],[object Object],[object Object],[object Object],UN-HABITAT SIRP  Housing Component in 7 Municipalities
Parts of alternative housing solutions are the small loans and grants to vulnerable households  Three different models have bee developed Three models of  UN-HABITAT SIRP small housing loans   No No $ 96 to 161 8% In kind  $5,000 50% 4 months 50-10 years $10,000 Refugees, IDPs, local population Loans No No $ 28 to 49 6% In-kind $ 2,000 50% 4 months 50-10 years $ 4,000 Refugees Local population Loans Yes Yes - - In-kind 100% - - $ 2,000  Poor Roma families Grants Support Programmes Technical assistance to beneficiaries Repayment per months Inters rate Beneficiaries Contribution  Subsidies Grace period Repayment period Maximal loan/grant size ($) Beneficiaries Model
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Small loans for purchase of construction material
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Small loans for purchase of construction material
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Creation of private rental units in  unfinished family houses
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Creation of private rental units in  unfinished family houses
[object Object],[object Object],Grants to the poorest Roma Families
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Grants to the poorest Roma Families
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Grants to the poorest Roma Families
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Conclusion
[object Object],ZLATA VUKSANOVIC-MACURA UN-HABITAT, Housing Coordinetor of  the Settlement and Integration of Refugees Programme in Serbia (SIRP) www.unhabitat.org.yu [email_address]

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UN-HABITAT SIRP Three models of small housing loans

  • 1. UN-HABITAT SIRP Three models of small housing loans ZLATA VUKSANOVIC-MACURA UN-HABITAT, Housing Coordinetor of the Settlement and Integration of Refugees Programme in Serbia (SIRP) Exploring Opportunities for Improving Housing Microfinance Services for Roma 12 -13 April 2007, Skopje, Macedonia
  • 2.
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  • 6. Parts of alternative housing solutions are the small loans and grants to vulnerable households Three different models have bee developed Three models of UN-HABITAT SIRP small housing loans No No $ 96 to 161 8% In kind $5,000 50% 4 months 50-10 years $10,000 Refugees, IDPs, local population Loans No No $ 28 to 49 6% In-kind $ 2,000 50% 4 months 50-10 years $ 4,000 Refugees Local population Loans Yes Yes - - In-kind 100% - - $ 2,000 Poor Roma families Grants Support Programmes Technical assistance to beneficiaries Repayment per months Inters rate Beneficiaries Contribution Subsidies Grace period Repayment period Maximal loan/grant size ($) Beneficiaries Model
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