This document discusses poverty housing and the challenges faced by the urban poor in obtaining adequate housing. It provides definitions of poverty housing according to international agreements and outlines the key factors of tenure security, affordability, adequacy, and proximity to services. The majority of developing countries in the Pacific islands are presented as a case study, where over 40% of the population lives in inadequate housing. Rapid urbanization, population growth, poverty, and lack of infrastructure have contributed to growing squatter settlements. Improving housing conditions requires recognizing squatter settlements, integrating housing with basic services, managing rural to urban migration, and increasing access to housing finance. The special difficulties faced by urban poor migrants include a lack of social support systems and higher living costs compared

1. POVERTY HOUSING AND FINANCE:
UNDERSTANDING THE URBAN POOR
SARVAJANIK COLLEGE OF ENGINEERING
& TECHNOLOGY, SURAT
URBAN HOUSING
Presented by: 1. . Manoj Patel Guided by: Prof. Himanshu Padhya

2. CONTENTS
1. Understanding of poverty housing
2. Challenges to face
3. Definition of poverty housing
4. Keys to solve poverty housing
5. Development challenges
6. Housing finance
7. Importance of housing finance
8. Urban poor
9. Special problems of urban poor
10. References

3. No standard definition of "poverty housing" is applied across the region
defined by UN International Covenant of Economic, Social and Cultural Rights
"The States parties to the present Covenant recognize the
right of everyone to an adequate standard of living for
himself and his family, including adequate food, clothing
and housing, and to the continuous improvement of living
conditions "
"a place to live in peace and dignity”

4. " Inextricably bound to the workplace, child
raising, education, health care for the elderly and personal
security, as well living conditions as a whole, including
also emotional and psychological security for the
family, particularly women and children "

5. 1. tenure security
2. Affordability
3. Adequacy
4. Accessibility
5. proximity to services
6. availability of infrastructure
7. cultural adequacy

6. Case study as In the majority of the developing countries of the
Pacific islands, a high proportion of people live in inadequate
housing, severely limiting prospects for economic and social
development.
Over 40 per cent of the population of these nations 4 million people
live in poverty housing in towns and cities, squatter settlements and
rural villages.

7. 1. small domestic markets and limited economic growth
2. increasing poverty and declining living standards
3. rapidly increasing populations and high rates of rural-to-
urban migration
4. growing squatter settlements in urban and peri-urban areas
5. poor infrastructure and housing regulatory mechanisms
6. land conflicts and ethnic tensions
7. extreme vulnerability to natural disasters.

8. While Pacific island nations receive substantial
development assistance, governments and communities
cannot keep pace with the increasing number of
households living in inadequate housing.

9. 1. Recognizing that squatter settlements are permanent and
require basic infrastructure and social services
2. integrating housing with improvements in basic
infrastructure, including access to safe drinking
water, improved sanitation, solid waste
management, electricity and all weather roads
3. balancing between rural and urban areas to help stem the flow
of people to urban areas and the slow depopulation of rural
communities
4. identifying safe and suitable land for housing for poor
5. housing finance

10. 1. limited economic growth and rapidly increasing populations
2. poverty and declining living standards
3. poor resource management
4. growing squatter settlements in urban and peri-urban areas
5. inadequate serviced land and poor housing regulatory
mechanisms
6. lack of political stability and weak governance structures

11. Pacific Island Poor Housing

12. SIMPLE SHACKS HOUSING

13. Faces Daily

14. Constructing & Repairing
Houses

15. For people of all income groups but especially for
the poor, housing is not a product, but a process.
It’s not something that is completed all at one time
according to a plan, but is developed in stages, as
a household needs and resources change.

16. a. Housing is a fundamental human need and right
b. Housing is expensive
c. It makes sense to borrow to buy the housing we live in
d. But to do that means finding a willing lender

17. You don’t have to study Asian cities very long to realize
just how serious their housing problems are, and how
many urban households simply cannot afford decent
housing of any sort.
In most countries, large portions of the urban population
cannot afford adequate housing, and are having to squeeze
their household into a smaller and smaller unit, living far
from work on the periphery of town, building their own
house or renting a shack in a slum or squatter settlement.

18. To accommodate a wide range of housing needs and a
growing population, a city needs to provide a steady
supply of new housing
“Most urban poor simply cannot afford decent shelter
and this is where housing finance becomes so
important”
when a little housing finance and secure tenure are
made available to people, the quality of housing, even at
the bottom end of the economic ladder, can improve
dramatically

19. “urban poverty nationally at 40 percent of the total urban
population”
31% of the urban population is poor
79 percent of the rural migrants in Delhi live in squatter
settlement
‘the urban poor are only an out-flow of the rural poor in to
the urban area’

20. Special problems of urban poor people
• Urban migrants from the country side have been cut off
from their community
• The social security systems, both formal and informal,
which survive in the rural areas, are not nearly so
developed in the urban areas
• The cost of living in urban areas is many times higher
than in the rural areas
• The rural economy is still not fully monetized, while in
urban areas, one has to pay for everything in money

21. • The physical environment in which the majority of the
urban poor are forced to live is usually far more
degraded, brutalized and violent
• Almost all the efforts for shelter and livelihood of
urban poor people are illegalized, even criminalized in
effect, their equal citizenship is constantly contested
• Most rural poor people have some land and cattle or
other animals, which is their insurance against bad
times. The urban poor have no such asset security, only
their labour power

22. 1. www.habitat.org/ap
habitate for humanity
Habitat's vision: a world where everyone has a decent place to live.
2. www.housing-the-urban-poor.net
Sustainable Urban Development Unit, Environment and Development
Division
UNESCAP, UN Building, Rajdamnern Nok Avenue, Bangkok 10200, Thailand
3. http://finance.indiamart.com/india_business_information/population.html
India Finance & Investment Guide provides quality information and inputs
regarding investment opportunities in India.
4. www.wilsoncenter.org
Independent research, open dialogue & actionable ideas
We are not put into the world to sit still and know, we are put in it to act.

23. THANK
YOU