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Article
Publication date: 16 October 2017

Francis K. Bondinuba, Devine Hedidor, Alex Opoku and Alfred L. Teye

The purpose of this paper is to explore the de/motivation variables in the delivery of housing microfinance (HMF) in the low-income housing market in Ghana.

389

Abstract

Purpose

The purpose of this paper is to explore the de/motivation variables in the delivery of housing microfinance (HMF) in the low-income housing market in Ghana.

Design/methodology/approach

The paper relied on a survey of 125 respondents of microfinance institutions (MFIs) to understand the interactions and effects of these variables on HMF delivery in Ghana. Descriptive and bivariate statistical methods were used to analyse the data.

Findings

The findings revealed that both internal and external variables motivate MFIs to engage in the low-income housing market. These variables are: MFIs desire for expansion, the potential size of the low-income housing market, the market potential for MFIs growth, the availability of local resources, unique features and products of the market, low-income housing offering an opportunity for leveraging resources and the preference for homeownership than rental among individuals in the low-income segment of the population. However, variables such as capital lock-up in HMF delivery, high-interest rates in the country, high cost and land prices, high cost and price of building materials, lack of sufficient collaterals and the different interest rates required on HMF loans also served as demotivation in the low-income housing market in Ghana.

Research limitations/implications

The paper findings are limited in context to Ghana.

Practical implications

The paper, although limited to Ghana, contributes to the much-needed body of knowledge on low-income housing finance in developing countries.

Originality/value

The paper is the first of its kind in using empirical data to explore the motivational and demotivational variables in the delivery of HMF in a developing country context such as Ghana.

Details

Property Management, vol. 35 no. 5
Type: Research Article
ISSN: 0263-7472

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Article
Publication date: 14 August 2018

Francis Kwesi Bondinuba, Alex Opoku, Degraft Owusu-Manu and Kenneth Appiah Donkor-Hyiaman

The emergence of housing microfinance (HMF) as a response to the low-income groups’ inability to access traditional housing finance is an innovative strategy by creative…

330

Abstract

Purpose

The emergence of housing microfinance (HMF) as a response to the low-income groups’ inability to access traditional housing finance is an innovative strategy by creative Microfinance Institutions. Yet, low-income groups’ still face barriers in accessing these innovative products, particularly in Ghana. This paper aims to examine the critical demand barriers and how to develop and improve the design and delivery of HMF interventions in the low-income housing market in Ghana.

Design/methodology/approach

The paper achieves its aim by adopting a focus-group discussion strategy to examine the constraints to the demand for HMF among low-income groups’ in Ghana.

Findings

Nine factors constrained the design, delivery and demand for HMF – affordability issues; risk; land tenure insecurity; high interest rate; collateralization and insurance challenges; unfavourable HMF loan conditions; lack of social capital; high cost of land and building materials; and ineffective consumer protection.

Research limitations/implications

Although limited to low-income groups, strategies to stimulate demand for HMF should focus on three broad problems – affordability, macroeconomic management and institutional development and government intervention.

Social implications

The paper makes significant contributions to the body of knowledge, regarding understanding the low-income housing market and its financing in the context of a developing country.

Originality/value

The novelty of the paper is founded on the premise of the research methodology adopted to unearthed the barriers to the demand of HMF in Ghana. Future research effort should be directed at exploring the motivations behind low-income groups’ decision to demand HMF and the risk associated with the use of HMF in the context of Ghana.

Details

Journal of Facilities Management, vol. 16 no. 3
Type: Research Article
ISSN: 1472-5967

Keywords

Available. Open Access. Open Access
Article
Publication date: 9 December 2024

Iseoluwa Joanna Mogaji, Modupe Cecilia Mewomo and Francis Kwesi Bondinuba

While innovative building materials (IBM) have emerged as a promising solution for addressing the global construction industry’s environmental, economic and social challenges…

300

Abstract

Purpose

While innovative building materials (IBM) have emerged as a promising solution for addressing the global construction industry’s environmental, economic and social challenges, their adoption is plagued with increasing challenges in the Nigerian construction industry (NCI). To provide practical strategies to overcome the present IBM challenges in the NCI, the barriers that hinder its successful adoption need detailed investigation. Consequently, this study examines the barriers that affect the adoption of IBM for sustainable construction (SC) in the NCI.

Design/methodology/approach

A quantitative research approach was used to obtain primary data from 282 construction professionals, viz. architects, builders, engineers and quantity surveyors, via a closed-ended questionnaire survey. Data were analysed using a mean item score (descriptive analysis) and exploratory factor analysis (inferential analysis).

Findings

The study revealed the top five most significant barriers to IBM adoption in the NCI. These barriers include lack of awareness and knowledge, learning/training period, cost and economic viability, lack of qualified staff and lack of end-user involvement. Factor analysis revealed five components of barriers: resource and policy-related barriers, perception and cultural-related barriers, organisational-related barriers, awareness and market-related barriers and resistance and stakeholder engagement-related barriers.

Practical implications

The findings of this study have several practical implications for construction professionals, policymakers and other stakeholders in Nigeria. The study highlights the need for increased awareness and technical expertise to promote the adoption of IBM in the NCI. The study also recommends several practical strategies for overcoming the barriers to IBM adoption and promoting SC practices in Nigeria, such as fostering a positive perception of sustainable concepts, fostering stakeholder support and involvement and promoting a more conducive environment for adopting sustainable practices. The implication of this study transcends the local context, offering a model for other countries to consider, thereby contributing to a global shift towards sustainable construction practices.

Social implications

The findings highlight the critical role of societal attitudes and awareness in adopting IBM, suggesting the need for educational and awareness programmes to shift public and organisational perception. This shows the importance of cultural change and societal readiness to embrace sustainable construction practices.

Originality/value

This study contributes significantly to knowledge of the barriers to adopting IBM for SC in NCI. Findings from the study will inform policymakers, industry professionals and other stakeholders about the key barriers that require attention and intervention, facilitating the initiatives to overcome these barriers effectively.

Details

Engineering, Construction and Architectural Management, vol. 32 no. 13
Type: Research Article
ISSN: 0969-9988

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Article
Publication date: 10 September 2024

Samuel Owusu Asare, Godfred Fobiri and Francis Kwesi Bondinuba

Ghana’s legal framework for procurement has undergone substantial reform to increase its efficacy. However, disregard for legal obligations set forth has resulted in issues of…

90

Abstract

Purpose

Ghana’s legal framework for procurement has undergone substantial reform to increase its efficacy. However, disregard for legal obligations set forth has resulted in issues of fraud, corruption and poor oversight. This study seeks to synthesize literature on the recognition of legal obligations arising from tendering procedures and measures to promote fairness, transparency and accountability under Ghana’s procurement framework.

Design/methodology/approach

Legal frameworks and publications from diverse countries have been synthesized using a systematic literature review across three databases (Scopus, JSTOR and HeinOnline) to illuminate key concepts, issues and best practices relevant to the study. Data obtained from included publications was synthesized using Sandelowski and Barroso’s two-step approach by using a qualitative meta-summary and thematic synthesis.

Findings

The study reveals that issues of conflict of interest, corruption, lack of capacity, inadequate oversight and insufficient legal follow-through hinder the effectiveness of procurement regulations. The findings highlight the need for targeted improvements in resource allocation for consistent application of transparency measures, regular publication of notices and robust enforcement of accountability mechanisms. The report proposes the creation of a common data environment for networking and information dissemination, implementing feedback systems and trust rating schemes.

Practical implications

The study contributes to the body of knowledge on procurement regulation by providing a thorough analysis of Ghana’s procurement framework. The findings will help policymakers close the observed implementation gaps by guiding the revision of current legislation and the introduction of new regulations. Research findings can be used to guide the creation of focused training courses.

Originality/value

This study, one of the first of its kind in Ghana, examines the current procurement framework, including legal obligations and implementation challenges. It contributes to the body of knowledge on the subject by providing a current and fact-based analysis as well as relevant recommendations for strengthening the framework.

Details

Built Environment Project and Asset Management, vol. 15 no. 1
Type: Research Article
ISSN: 2044-124X

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Article
Publication date: 16 June 2017

Alfred Larm Teye, Jan de Haan, Marja Geessiena Elsinga, Francis Kwesi Bondinuba and Job Taiwo Gbadegesin

The purpose of this paper is to explore the risk factors in homeowners from the individual household’s perspectives within the owner-occupied housing sector of The Netherlands…

457

Abstract

Purpose

The purpose of this paper is to explore the risk factors in homeowners from the individual household’s perspectives within the owner-occupied housing sector of The Netherlands. Risk in home ownership from mortgage providers’ perspectives has received tremendous attention than individual home owner’s perspectives in existing literature following the financial crisis in 2007/2008 within the euro zone.

Design/methodology/approach

The paper adopted a broader review of extent literature on the different concepts and views on risk in homeownership. These concepts are unified into a framework that enhances our understanding of the perceived sophisticated risk in owner-occupier with focus on The Netherlands.

Findings

From the perspective of the homeowner, two main types of risks were identified: default payment and property price risk. The paper has unearthed a quantum number of factors which underline the above risks. These factors relate to the initial amount of mortgage loan taken out, the future housing expenses and the income development of the owner-occupier. Family disintegration is identified, as one of the main causes of mortgage default and that of property price risk are mainly influenced by income levels, interest rates and conditions in the social and private rental sectors.

Research limitations/implications

Findings of the paper are based on review of the extant literature in the context of the Dutch housing market. Possible rigorous situational analysis using other tools are recommended for further research.

Originality/value

This paper contributes to the much needed body of knowledge in the owner-occupied sector and provides a better understanding of risk in home ownership from the individual perspectives.

Details

International Journal of Housing Markets and Analysis, vol. 10 no. 4
Type: Research Article
ISSN: 1753-8270

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Article
Publication date: 6 February 2017

Clarkson M. Wanie, Emmanuel E.E. Oben, Jeff Mbella Molombe and Ivo T. Tassah

Given the importance of hostels to students’ welfare and academic performance and recognition of the roles youths can play for affordable university housing, this study aims to…

1119

Abstract

Purpose

Given the importance of hostels to students’ welfare and academic performance and recognition of the roles youths can play for affordable university housing, this study aims to investigate hostel management problems in the Buea Municipality, an educational hub in the South West Region of Cameroon. It explores potentials for youth advocacy for affordable university housing within the process of efficient hostel management.

Design/methodology/approach

The data were collected through a descriptive survey design from May to July 2015 via reconnaissance surveys, field observation, photographs, administration of questionnaires to hostel tenants (students) and interviews with hostel managers and law enforcement officials. The data have been presented and analysed using descriptive statistical techniques involving frequency tables, charts and percentages. Cartographic techniques have also been used to locate the study area.

Findings

It was found that hostel management problems in Buea stem from flaws arising from both hostel managers (landlords and/or caretakers) and hostel tenants (students) in contravention to affordable student housing and good governance principles of rent control, accountability, transparency, equality, participation and fairness. The notable hostel management problems found are indiscriminate rent increase, lack of transparency in billing and non-functional sub metres and non-refund of caution deposits by hostel managers, as well as violation of hostel rules, damage of hostel facilities and “selling of rooms” by hostel tenants.

Originality/value

This paper contends that youths have to be mainstreamed in the hostel management process with better platforms of advocating for affordable university students’ housing through rent control and other good governance practices in their hostel setting. It is hoped that the proposed efficient hostel management system and mainstreaming youth-led advocacy activities in affordable university students’ housing will go a long way to enhance students’ welfare and academic performance, help in rent control, fight against bribery and corruption and other governance problems.

Details

International Journal of Housing Markets and Analysis, vol. 10 no. 1
Type: Research Article
ISSN: 1753-8270

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Article
Publication date: 14 November 2023

Benson Rugalema Mwemezi, Geraldine John Kikwasi and Sarah Phoya

Although there are several established frameworks for health and safety in construction, there are inadequate health and safety conditions at informal construction sites, and no…

135

Abstract

Purpose

Although there are several established frameworks for health and safety in construction, there are inadequate health and safety conditions at informal construction sites, and no framework has been designed to address this problem. The purpose of this paper is to develop a validated framework for health and safety risk management (HSRM) in informal construction sites with the aim of supporting Sustainable Development Goals 3, 8 and 11 of the 2030 Agenda, which are to ensure everyone enjoys a healthy life and to create inclusive, secure, robust and sustainable cities and human settlements, respectively.

Design/methodology/approach

The study is based on HSRM questionnaire survey and interviews with construction workers working on informal construction sites in Tanzania. A total of 13 health and safety specialists in construction were specifically chosen to validate the proposed framework for HSRM in informal construction to determine its applicability, efficacy and adaptation.

Findings

The validation results demonstrated that all of the suggested metrics within the framework for HSRM in informal construction scored higher than the test value, proving the framework’s feasibility

Originality/value

This research adds to the body of knowledge on the issue in a never-before-seen setting. To the best of the authors’ knowledge, this study is the first empirical study in Tanzania to develop and validate a framework for HSRM in informal construction.

Details

Journal of Engineering, Design and Technology , vol. ahead-of-print no. ahead-of-print
Type: Research Article
ISSN: 1726-0531

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Available. Content available
Article
Publication date: 23 November 2018

Alex Opoku, Peter Guthrie and Vian Ahmed

360

Abstract

Details

Journal of Facilities Management, vol. 16 no. 3
Type: Research Article
ISSN: 1472-5967

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Article
Publication date: 4 September 2019

Fredrick Simpeh and Winston Shakantu

The purpose of this paper is to develop a prioritisation framework that can guide the provision and management of on-campus student housing facility (SHF) services of southern…

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Abstract

Purpose

The purpose of this paper is to develop a prioritisation framework that can guide the provision and management of on-campus student housing facility (SHF) services of southern Ghana Universities.

Design/methodology/approach

The paper adopted a phenomenological research strategy. Data was collected by means of focus group discussions (FGDs); a total of ten FGDs were conducted. Observations were also done during the site visit to augment the FGDs. The data were analysed thematically.

Findings

The study found that some services are perceived as “extremely important” and “basic” while others are seen as “unimportant” and “indifferent”. Services including; electricity, water, security, internet, cleaning service, maintenance service, generator, ventilation (fan), health service, library service, electric socket, study furniture, refuse collection, pest control and fire extinguisher were perceived by students as “extremely important”. However, not all of these services were perceived as “basic” requirements.

Practical implications

The framework can be used as a guide by facility and hostel managers to effectively prioritise and manage the services required in a university SHF. Moreover, when designing, constructing and adapting student housing facilities, the framework can be used as a guide to ensure that all critical services are provided in the student housing facilities.

Originality/value

Although several studies have been conducted on student housing, studies that specifically focuses on the services required in a SHF and the prioritisation of such services is lacking. This study combines students’ requirements, importance levels of requirements, and classification of requirements to develop a prioritisation system for student housing services.

Details

Facilities , vol. 38 no. 1/2
Type: Research Article
ISSN: 0263-2772

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Article
Publication date: 9 January 2024

Benjamin Boahene Akomah and Prasanna Venkatesan Ramani

This paper aims to identify the unidimensionality and reliability of 84 factors that influence the performance of construction projects and develop a confirmatory factor analysis…

208

Abstract

Purpose

This paper aims to identify the unidimensionality and reliability of 84 factors that influence the performance of construction projects and develop a confirmatory factor analysis (CFA) model.

Design/methodology/approach

The study adopted a deductive research approach and started by identifying the positive factors that influence construction project performance. This was followed by the modification of the identified factors. After that, a questionnaire was developed out of the factors for data collection. Exploratory factor analysis was used to establish the factor structure of the positive factors, and this was verified using CFA afterwards. A model fit analysis was performed to determine the goodness of fit of the hypothesised model, followed by the development of the confirmatory model.

Findings

The study demonstrated substantial correlation in the data, sufficient unidimensionality and internal reliability. In addition, the estimated fit indices suggested that the postulated model adequately described the sample data.

Practical implications

The paper revealed that performance can be enhanced if stakeholders identify and leverage the positive factors influencing performance. The paper suggests that project stakeholders, particularly government, project owners, consultants and construction firms, can improve project performance by critically examining economic and financial systems (EFS), regulation and policy-making systems (RPS), effective management practices (EMP) and project implementation strategies (PIS).

Originality/value

The contribution of this paper to the present literature is identifying the positive factors and developing the confirmatory factor model. The model comprised 42 positive variables under four indicators: EMP, RPS, PIS and EFS.

Details

Construction Innovation , vol. ahead-of-print no. ahead-of-print
Type: Research Article
ISSN: 1471-4175

Keywords

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