Mulugeta, Solomon (PhD)Belay, Fasika2018-07-022023-11-192018-07-022023-11-192010-06http://etd.aau.edu.et/handle/12345678/5310The study aimed at identifying factors influencing access to homeownership particularly among middle- and low- income employees of Bahir Dar. The study employed the survey method, interview, FGD and physical observation to achieve the objective. The survey questionnaire included both open-ended and closeended types. The analysis was done by using frequency, percentage, Pearson correlation analysis and stepwise multiple regression analysis in order to measure and describe the relationship between dependant variable and explanatory variables. The multiple regression analysis shows that, the independent variables are affecting tenure structure at the extent of 0.783. Moreover, it also shows that the leading variables that influence access to homeownership among middle- and low- income employees of the city are age and saving. The qualitative analysis of the study reveals that institutional shortcomings surrounding the land delivery process are the major problems that influence access to homeownership. Hence, the municipality should periodically evaluate the overall capacity and process of the land delivery system. Furthermore, short term and long term training should be given to the officials in order to make the land delivery system more effective. Lack of access to credit facilities has been one of the major problems constraining access to homeownership. Therefore, different financial institutions should provide long term housing loan with appropriate criteria and low or reasonable interest rate. Middle-and low-income employees should also improve the habit of saving by using formal and informal methods like equb. Moreover, it is better for the municipality to improve low-cost housing projects in order make low- and middleincome employees homeowners.enGeography and Environmental StudiesThesis