LTHAI Incremental Housing Construction IIBack To Projects
After more than ten (10) years of waiting one hundred and seventy-four (174) LTHAI members have received certificates of ownership for the 9.2 hectares piece of land on which project construction is happening. To date, one hundred and thirty-seven (137) houses have been built for members of Lower Tipolo Homeowners Association, Inc (LTHAI). The houses are two-storey row houses with a 1.5m2 setback each.Community capacity:
Throughout the project the community participated in deliberations hosted by the Local Housing Bodies of the City Government. This project has clearly demonstrated the community's capacity to overcome significant challenges, even after major disasters. The community participated in the planning, design and construction of their houses.Scale:
The project is going to scale as two new settlements (the Malibu-Matimco Village Homeowners Association, Inc. (MMVHAI) Community and Paknaan) are replicating the project. This shows that the project can be replicated on the national level.Impact:
Through sectoral election the Federation became a member of the Multi Sectoral Governance Coalition as the Consultative and Advisory Council to the city’s leadership. The City Mayor also acknowledged the achievement of housing development in informal settlements in Mandaue, and the relationship between residents and the City.Finance: SDI Contributions:
SDI contributed US$100,000.00Resources Leveraged:
Land was leveraged from the State. In addition to this, technical assistance in the form of construction supervision and ICEB hauling was provided by the project’s Academic partner. This partner also donated additional plots, allowing for beneficiary numbers to increase; the new beneficiaries are the poorest of the poor who do not have capacity to pay back for loans.State Subsidy:
Relationships between the Federation and Local Government and other stakeholders of the project have improved since the project's implementation. This is seen in the Government bestowing land ownership on the community, regular meetings, loan of land filling materials and heavy equipment trucks as well as the tarring of access roads by the local government unit.Market Generated Returns:
None to date.Costs recovered from community:
None to date.
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Project information updated: 04 March 2016
Project in depth
The provision of loans for the incremental construction of two-storey row houses with a one and a hlaf square metre (1.5m2) setback. Emphasis is placed on implementing environmentally friendly housing solutions. Therefore, houses are built with interlocking compressed earth blocks (ICEB) and are given to beneficiaries without flooring for the second storey level and without roofing.Community capacity:
The intention is to show that community-driven projects can be implemented successfully. The aim is to also show that poor communities have the capacity to adequately address the significant challenges they face.Scale:
The intention is to implement the project on a national scale as the need for adequate housing is high nationwide.Impact:
In addition to illustrating the community's capacity to build their own houses, the project also demonstrates the use of the interlocking-compressed earth blocks (ICEB) to construct the houses. This alternative building material is cheaper and cooler than conventional ones.Finance: SDI Contributions:
SDI contributed US$100,000.00 to the project. US$10,000.00 of this amount was spent on project-linked technical assistance.Market Generated Returns:
Income will be generated through interest collected from the loans. This income can be used to finance additional housing units. Old and dismantled housing materials are being recycled for additional accessories in the housing construction. This subsidizes and decreases loans and increase the number of houses counstructed.Costs recovered from community:
Loans are given to beneficiaries, which when repaid will recover costs. The loans are currently provided at a six percent (6%) interest rate and are to be paid off over a period of ten years. However, the Federation is in the process of reviewing and renewing the loan policies in a bid to attain a recovery rate of one hundred percent (100%).
Basilan, R.S. (2015). Citizens Help Build Houses. [Online]. Available: http://www.sunstar.com.ph/cebu/local-news/2015/08/30/citizens-help-build-houses-427547.
Inquirer.net. (2012). Deal Inked for Mandaue Socialised Housing Project. [Online]. Available: http://newsinfo.inquirer.net/163005/deal-inked-for-mandaue-socialized-housing-project.
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[PHOTOS]. Philippine Alliance - Cebu. (2011). Lower Tipolo Homeowners Association, Inc (LTHAI) Project Update. [Online]. Available: http://philippinealliancecebu.blogspot.co.za/2011/10/lower-tipolo-homeowners-association-inc.html.