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Microfinance institution partnerships

Microfinance is any financial service product that:

  • Is not a traditional mortgage.
  • Aspires to cover costs of service delivery.
  • May be provided by a bank, non-bank financial institution, cooperative, non-government organization or other legal-regulated entities.

Habitat’s role in microfinance institution partnerships:

  • Program design assistance: Assists in establishing a housing loan product.
  • Technical assistance: Assists in construction services. Helps link families or clients financed by a microfinance institute to government land, infrastructure or subsidy provided by a Habitat national program.
  • Direct investing: Transfers grants (for research) or loans (for product rollout) to microfinance institutes.
  • Investment brokering: Involved in negotiations that encourage public and private investment in microfinance institute s to expand housing finance.
  • Credit service outsourcing: Extends loans that are managed by microfinance institutes to serve Habitat partner families, clients and beneficiaries.


Microfinance institutions partnerships:

For joint research and pilot projects focused on scaling housing microfinance in Latin America and Caribbean.

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Affiliates include Haiti’s largest microfinance institution, Fonkoze, and CEP, the largest microfinance institution in Vietnam.

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In partnership with their local affiliate in Macedonia and the Philippines, and through a joint project aimed at AIDS orphans in three African countries.

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With emerging partnerships in Afghanistan and Uganda.

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With URWEGO, the largest microfinance institution in Rwanda and CREDIT in Cambodia.

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Through their local Vision Finance affiliates in Peru.

Government housing agency partnerships:

  • Habitat organizations in Thailand, Brazil, the Philippines, Vietnam, Chile, Costa Rica and South Africa are partnering with government housing agencies.
  • These partnerships target subsidies and construction technical assistance toward low-income housing solutions.

SEEP Network member:

  • In addition to programmatic collaboration, the SEEP Network seeks to influence the microfinance industry so that housing becomes a standard loan product among microfinance institutions.
  • Habitat documents research and case studies, disseminates best practices and stimulates investment in housing finance for the poor.