Cooperative Housing Affordability Challenges: Impact of Urban Housing Policy and Legal Framework Implementation on The Housing Cost The Case of ‘Ayera 40 Meter’ Housing Cooperatives in Gondar City, Ethiopia
| dc.contributor.advisor | Biruk Kebede Geletu | |
| dc.contributor.author | Alemseged Sintayehu Takele | |
| dc.date.accessioned | 2025-05-15T13:09:27Z | |
| dc.date.available | 2025-05-15T13:09:27Z | |
| dc.date.issued | 2025-03-01 | |
| dc.description.abstract | Cooperative housing in Ethiopia has increasingly become unaffordable for low and middle income groups. While urban housing policies have been studied, there is a gap in assessing their implementation and its impact on affordability. Therefore, the study aims to assess the impact of policyand legal framework’s implementation on the scheme’s overall cost and affordability as part of anaffordability challenge of the scheme. Using 'Ayera 40 meter' site as a case site, a mixed quantitative and qualitative approach was used. Qualitative data were collected through in-depth interviews with purposely selected informants, analyzed using a thematic analysis. Whereas, quantitative data were collected through survey from 320 randomly selected cooperative members and analyzed using a frequency and descriptive analysis. Secondary data were also used from polices, proclamations,directives, reports and books. The study identified key cooperative housing affordability challenges, including unaffordable upfront costs (61.3%), construction costs (86.9%), and housing standards (93.8%). Additional issues were land provision delays, informal surveyor payments (69.4%), unaffordable compensation (38.1%), distant plot locations, and conflicts with local farmers (65.9%). The study also found main implementation gaps that has escalated the overall cost of the housing. A gap in members’ replacement payment escalated the entrance cost for new members, a manipulation in the land provision sequence exposed 13.8% households to extra costs via bribery, a lack of quality of plots escalated construction costs of 82.6% of households, an absence of supervision on construction timeline exposed cooperatives to a quadrupled material cost inflations, a lack of governmental legal support exposed 73.9% households to unnecessary costs & financial exploitations, and a deficiency in infrastructure provision greatly escalated cooperatives’ construction costs in many ways. The existence of Land speculation also deflected financial supports to high incomes impacting the scheme’s goal. The main implementation challenges are found to be staffing shortages, inadequate financial resources, insufficient staff training, and poor inter-organizational coordination. The study recommends the government to provide regular staff training, increase resource allocation to key offices, modernize & centralized databases, enhance supervision and transparency, as well as revise housing policies and directives regarding housing standards, upfront capital costs, vertical development incentives, cooperative-farmer conflict resolution mechanisms, and financial alternatives. Key Words: Cooperative housing, affordability challenges, urban housing policy, legal frameworks, implementation, Housing cost | |
| dc.identifier.uri | https://etd.aau.edu.et/handle/123456789/5483 | |
| dc.language.iso | en | |
| dc.publisher | Addis Ababab University | |
| dc.title | Cooperative Housing Affordability Challenges: Impact of Urban Housing Policy and Legal Framework Implementation on The Housing Cost The Case of ‘Ayera 40 Meter’ Housing Cooperatives in Gondar City, Ethiopia | |
| dc.type | Thesis |