Daniel, Maren Mallo
(2014)
Evaluating The Determinants For Access To Subsidised Mortgage
Housing In Jos, Nigeria.
Journal of Construction in Developing Countries , 19 (2).
pp. 87-109.
ISSN 1823-6499
Abstract
Nigeria's subsidised mortgage system operates on the assumption that workers
would subscribe to a scheme (National Housing Fund [NHF]) as a precondition for access to
housing. The subsidised mortgages are limited in supply and the mechanism lacks efficiency
and distributional equity. These issues are empirically examined in Jos. A survey was
conducted among workers in 24 randomly selected organisations. A total of 543
questionnaires were administered and 410 were retrieved. Analysis employing Pearson's chi
square indicates a low-level of participation and a lack of awareness about the NHF
scheme. There are negative feelings about the arrangement, and for the entire sample,
gender and employment characteristics were found to have statistically significant
relationships with participation in the NHF scheme. However, access to subsidised mortgage
is influenced only by gender and tier of government employment. It is concluded that
participation in the NHF scheme is a necessary but not a sufficient condition for access to
mortgages in Jos. These findings call for increased awareness about NHF and improved
efficiency in its administration. As the study was limited to the city of Jos, the methodology
could be used to corroborate the evidence in other Nigerian cities
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