Skip to content

About us

What is the AUHF?

Since its formation in 1984, the AUHF has evolved into a member-based, industry association of mortgage banks, building societies, housing corporations, Development Finance Institutions and other organisations involved in the mobilisation of funds for shelter and housing on the African continent. As an industry body, the AUHF promotes the development of effective housing markets and the delivery of affordable housing across Africa, working in the interests of the members and the industry as a whole. The AUHF is governed by a board of industry leaders elected every two years at its Annual General Body. The Centre for Affordable Housing Finance in Africa (CAHF), based in South Africa, acts as the Secretariat of the AUHF.

AUHF Mission

To support its members in realising their vision, through networking and deal facilitation, information collection and dissemination, lobbying and advocacy, and capacity building and training.

AUHF Vision

An enabled and productive housing finance sector across Africa where governments and the private sector work together to develop and maintain efficient and effective housing markets and access to adequate and affordable housing for all.

Scope and objectives of the AUHF

The AUHF is committed to promoting housing finance on the African continent and is grounded on the following objectives:

The History of the AUHF - 37-Years of Housing Finance in Africa

“The cornerstone of this new action agenda is the recognition of the absolute necessity to foster co-operation between the public and private sectors, and the evolution of those aspects of nation building that each can do efficiently. Regardless of the political and humanitarian motivations of governments, national strategies must reflect the limited capacity for the public sector to meet all the development requirements of the people. They cannot do the job alone. All non-governmental economic and human resources must be mobilised in the development effort, including the formal private sector, private associations, co-operatives and community groups. All have a valuable role to play in establishing an efficient and productive development strategy”. Recommendations on Shelter and Urban Development, Mangochi, Malawi 1987.”

The AUHF was set up in June 1984 by key individuals to unite and represent building societies in Africa and to find ways to tackle housing finance challenges on the continent, in the context of redress and meeting the development needs of people. To start, the AUHF had eleven members from eight countries in Africa and was funded by grants from the International Union of Housing Finance (IUHF) and the United States Agency for International Development (USAID).

AUHF Corporate Documents

The AUHF is a registered Non-Profit Section 21 company. To confirm our status please click on the documents below.

Corporate Documents

Governance Structures

Members of the Board

ANDREW CHIMPHONDAH CHAIRPERSON
ANDREW CHIMPHONDAH
CHAIRPERSON, Kenya
MAY ABDEL HAMID -DEPUTY CHAIR
MAY ABDEL HAMID
DEPUTY CHAIR, Egypt
Mfundo Mabaso-Secretary
MFUNDO MABASO
SECRETARY, South Africa
KEHINDE OGUNDIMU TREASURER
KEHINDE OGUNDIMU
TREASURER, Nigeria
Mehluli MPofu-CHAIR OF THE MEMBERSHIP COMMITTEE
MEHLULI MPOFU
CHAIR OF THE MEMBERSHIP COMMITTEE, Zimbabwe
CHRISTIAN AGOSSA BOARD MEMBER
CHRISTIAN AGOSSA
BOARD MEMBER, Togo
OSCAR MGAYA BOARD MEMBER
OSCAR MGAYA
BOARD MEMBER, Tanzania
ANDREW CHIMPHONDAH CHAIRPERSON

Andrew Chimphondah

Chairperson,

CEO Shelter Afrique
Kenya

MAY ABDEL HAMID -DEPUTY CHAIR

May Abdel Hamid

Deputy Chair,

Chief Executive Social Housing and Mortgage Finance Fund
Egypt

Mfundo Mabaso-Secretary

Mfundo Mabaso

Secretary,

Growth Head, FNB Home Finance, First National Bank
South Africa

KEHINDE OGUNDIMU TREASURER

Kehinde Ogundimu

Treasurer,

CEO, Nigeria Mortgage Refinance Company
Nigeria

Mildred Mutesa

Chair of the Lobbying & Advocacy Committee,

MD, Zambia National Building Society
Zambia

David Akinin

Chair of the Membership Services Committee,

Founder, Atenu Developments
Namibia

CHRISTIAN AGOSSA BOARD MEMBER

Christian Agossa

Board Member,

CEO, Caisse Régionale de Refinancement Hypothécaire
Togo

OSCAR MGAYA BOARD MEMBER

Oscar Mgaya

Board Member,

CEO, Tanzania Mortgage Refinance Company
Tanzania

Membership Sub Committee

Policy and Lobby Sub Committee

Our Partners

CAHF acts as the Secretariat for the AUHF. CAHF also provides significant research and analytical capacity for the AUHF and serves a facilitation role for the AUHF in the sector.

API provides support in organising AUHF events such as the Annual AUHF Conference.

A History in Quotes

1985
With limited financial resources, governments of independent African countries are prone to invest in productive industries ahead of housing and other urban development. This is understandable but not far-sighted. (Chairman)
1988
1989
At the AGM in Alexandria, Egypt, it was agreed that the Union should change its name to The Africa Union of Housing Finance Institutions “to follow the lead of the International Union and allow for a broader base of membership. (AGM Minutes)
1990
1993
The AUHF membership now stretches from Egypt in the North, Ghana and Nigeria in the West, to South Africa and to Mauritius in the East. (Chairman)
1994
1995
Throughout the continent, housing finance institutions are grappling with the issue of lending to low income borrowers in the face of high inflation and increasing interest rates. (Chairman)
1996
1998
Both the challenges and the dangers of globalisation are overtaking us as Africans. (Chairman)
1999
2000
…many of our members trooped to Rio de Janeiro for the 23rd World Congress of the IUHF. The African delegation was one of the largest, with participants from East, West and Southern Africa. (Chairman)
2001
2001
The banking sector is experiencing substantial difficulty in accessing on-going finance for low-income housing because of the negative impact of broader environmental issues. (Report on the South African Region)
2001
2002
Most of our member countries experience tremendous disparities between those who can afford housing and those who can’t even afford basic shelter. This is a recipe for long term instability and can’t be good for the long-term sustainability of our institutions… ( Chairman)
2003
2003
We identified HIV/AIDS as a critical issue in housing finance because of the potential risk presented by the impact of this pandemic. (Chairman)
2004
2005
For Africa the question is to engage (Statement by members, AGM) passively or actively in this partnership (with China). In the end how (Africa) responds to China is the subject matter to ensure long-term economical security for the continent. (Chairman)
2006
2007
The AUHF is now officially registered in South Africa as a Section 21 company. (Chairman)
2008
2009
The 27th World Congress of the IUHF was organised under the huge shadow of the Global Financial Crisis. Issues that had direct bearing on developing countries therefore (were given) little attention. (Chairman)
2010
2011
In many of our countries…the backlog in land titling undermines the development of mortgage markets, which rely on the underlying security of land tenure to facilitate affordable finance… For Africa the question is to engage (Statement by members, AGM)
2012
2013
this is what the AUHF should be about – giving members an opportunity to showcase their work on a wider platform and facilitating linkages between players towards the on-going improvement of their work. (Chairperson)
2013
2014
I attended the IUHF’s 100th anniversary in Munich on September 11-12. It was a great event with more than 130 participants from 40 countries – among them 11 delegates from Africa. (Chairperson)
2014
1985
1988
Counsellor Abdel Baki invited the Union to hold the 1989 General Meeting in Alexandria, Egypt. (AGM Minutes, 1988)
1989
1990
Mr Mensah recommended that the AUHF seek observer status from organisations like UN Habitat, OAU, and African Development Bank. (AGM Minutes)
1993
1994
South Africa’s elections … saw the removal of the final vestiges of apartheid and opens the way for South African housing finance institutions to play a key role in the development of the Union. (Chairman)
1995
1996
We have continued to research and develop an understanding of the informal, or alternative lending industry such as credit unions and savings clubs… (Chairman)
1998
1999
At a workshop in Johannesburg we debated) high interest rates, defaults, foreclosures and social housing options in the wake of the financial meltdown which began in the Far East but carried us with it… (Chairman)
2000
2001
The overall state of the region has to be one of instability, hardly a conducive environment for housing development. (Report of the East African Region)
2001
2001
As a result of a severe devaluation of the local currency in 2000, most Ghanaians can no longer afford to purchase completed house (Report on the West African Region)
2002
2003
While some countries have seen reasonable economic growth, the continent has experienced severe economic downturns, exacerbated by war, famine, poor governance and unsound policy environments. (Chairman)
2003
2004
Poor people living under $1-dollar a day worldwide increased from 474 million in 1987 to 552 million in 2000. The vast majority of these are in sub-Saharan Africa.” (Chairman)
2005
2006
Housing is a basic human right and a primary foothold to the climb out of poverty. Yet the prevalent homelessness in virtually every country on the African continent suggests that providing a basic necessity requires addressing complex issues. (Chairman)
2007
2008
…members should use the informal settlement upgrading report to start engaging government. Governments are likely to show much interest because of the extreme challenges that slums pose in most of our countries. (Chairman)
2009
2010
Mr Coovadia reported that the Exco would make all the necessary arrangements to hand the secretariat over to CAHF/FinMark. (AGM Minutes)
2011
2012
The AUHF is now governed by a Memorandum of Incorporation, based on the Republic of South Africa Company’s Act 71 of 2008. (Chairperson)
2013
2013
… the complexity of the housing process makes partnerships a necessity. (AUHF press release)
2014
2014
On behalf of the Board of Directors of the African Union for Housing Finance (AUHF), I am delighted to welcome you to beautiful Cape Town to join us in celebrating the AUHF’s 30th anniversary. (Chairperson)