1. Role of MFIs in Micro Housing Finance Rajan Samuel, Habitat for Humanity International

2. Mortg- age sector Micro Mortgage Sector Low Income Group – Bankable Poor Less than Rs5,000 (<$100) Primarily commercial bank housing HFC – Nano Housing MFI / HMF MFI/HRC BPL/ Vulnerable Beneficiaries Economically Weaker Sections- EWS Grant Housing Less than Rs10,000 (<$200) Less than Rs15,000 (<$300) > Greater than Rs20000 (>$400) Categories INCOME RANGE PER MONTH HOUSING SUPPLY POVERTY HOUSING PYRAMID (whom do we serve in the market?) 2

3. 1. Vision and Capacity 2. Scale & Sustainability 3. Packaging of financial & non- financial services (Housing support services / Construction technical assistance) 4. Transition from Housing micro- finance to micro mortgage loans Key drives for simulating housing micro finance through Micro-Finance Institutions

4. Role of MFI in promoting affordable & cost effective bamboo technology – Nepal experience Integrating housing solutions through Womens savings groups in Vietnam Exploring scale through TSPI in the Philippines (from a pilot sanitation loan) SEEDS offering an integrated housing loan to existing clients – Sri Lankan experience Packaging HSS (Housing support services): Indian experience Habitat for Humanity International: Lessons from Regional experiences

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6. What constitutes Low Income Housing? Low Income Housing Housing as Shelter Housing as investment / asset Housing as Commodity Personal Safety and Health Financial Security / Asset & social status Home-based micro- enterprise Poor people build gradually, over time small, incremental loans; compatible with microfinance loans Progressive Build