R_ Gailey and R_ Har.. - Global Microcredit Summit 2011
R_ Gailey and R_ Har.. - Global Microcredit Summit 2011
R_ Gailey and R_ Har.. - Global Microcredit Summit 2011
Create successful ePaper yourself
Turn your PDF publications into a flip-book with our unique Google optimized e-Paper software.
Co-authored by Robert <strong>Gailey</strong>, Ph.D. <strong>and</strong> Rebecca <strong>Har</strong>verSpanish Translation by Rebecca <strong>Har</strong>verPoint Loma Nazarene UniversitySan Diego, California, USA
Outline of Presentation Overview of an “urban slum” UN Habitat’s 5 key goals A few “Big Picture” considerations(positive <strong>and</strong> negative) The role of microfinance Recommendations for the industry
Our Life vs. Urban Slum
Different Names• Informal UrbanSettlements• Squatter Settlements• Shanty Towns Urban Slum Hope/Despair Metro core/peripheryDefinitions“a contiguous settlement where the inhabitants are characterized ashaving inadequate housing <strong>and</strong> basic services”
Causes of Urban Slums Rapid rural to urban migration –industrialization <strong>and</strong> the “promise” of jobs,often access to better healthcare <strong>and</strong>education Poor Public Policy (historic <strong>and</strong> current) Tenure insecurity Lack of access to basic services
UN Habitat’s 5 Key GoalsMDG #7, Target 11 – improve the lives of 100 million slum dwellers by 2020 1. Access to Safe Water – sufficient amount, affordableprice, not hard to get 2. Access to Sanitation – private/public toilet shared with areasonable number of people 3. Secure Tenure – protection against forced evictions 4. Durability of Housing – safe location, permanent,protection from elements (culturally defined) 5. Sufficient Living Area – no more than 2 share a room
Big Picture Considerations Limited Space• Language/ethnic differences• Trust/Social capital Crime/Violence Population Density: efficiencies of scaleBut, improvements speed rural to urban migration!
Role of Microfinance - Paper Hopeful signs from the microfinance sector Challenges that remain for MFI’s to beinvolved Possibilities/opportunities <strong>and</strong>recommendations Research/analysis questions to explore
Recommendations Access to safe water <strong>and</strong> access to sanitation:Consider partnering with WaterCredit <strong>and</strong>/or SlumDwellers International Secure tenure: Encourage savings, group solidarity,work with govts. (may require some subsidies) Durability of housing <strong>and</strong> sufficient living area: Verycontext-specific, bulk purchases help, may need towork towards changing laws <strong>and</strong> regulations, savingscrucial – dignity of art (French artist JR)Use microfinance to improve rural areas!
Change language