AUHF conference 2011- Building Africa: Maximising the Opportunities in Housing Finance in Africa

7-9 September 2011, Johannesburg, South Africa

As a tool for building effective demand for housing, housing finance arises out of the interplay between the housing market and the financial market. The housing market includes the supply of housing (whether for ownership or rental) in both the primary and resale markets, and this depends on the availability of land and infrastructure for housing development, suitable urban housing policies, functioning property markets and, in the case of mortgage markets specifically, a functioning deeds registry. The ability to provide housing finance is determined by the financial market and how it operates within the broader, macroeconomic framework of a country or region, the risk management practices and requirements that prevail, various balance sheet constraints (influenced by both national and international fiscal policy, as well as by bank strategy), functioning property markets and foreclosure potential, investor interest and competing asset classes, and market infrastructure (Walley, 2011). Together, these factors create the environment in which housing finance can be offered, and this in turn creates the effective demand for housing which itself drives the housing market and frames, in part, the housing interests of the financial market.

As Africa sits poised for economic growth, how can the these ingredients be orchestrated to facilitate growth in the housing finance market, and what can housing finance practitioners do strengthen their position? These questions frame the agenda of the annual conference of the African Union for Housing Finance. The AUHF Annual Conference will bring together investors, banks, development finance institutions, pension funds, housing development companies, and other housing sector practitioners to consider the opportunities for housing finance markets in Africa.Taking place in Sandton, South Africa, from 6-9 September 2011, the AUHF Conference will explore the ingredients for growth in housing finance in Africa, and will identify opportunities for increased participation by housing finance sector practitioners. The Conference will be followed by the Annual General Meeting of the AUHF, where a focused programme of action will be developed so that the body can represent its members’ interests in various policy and other forums throughout the year.

As a tool for building effective demand for housing, housing finance arises out of the interplay between the housing market and the financial market. The housing market includes the supply of housing (whether for ownership or rental) in both the primary and resale markets, and this depends on the availability of land and infrastructure for housing development, suitable urban housing policies, functioning property markets and, in the case of mortgage markets specifically, a functioning deeds registry. The ability to provide housing finance is determined by the financial market and how it operates within the broader, macroeconomic framework of a country or region, the risk management practices and requirements that prevail, various balance sheet constraints (influenced by both national and international fiscal policy, as well as by bank strategy), functioning property markets and foreclosure potential, investor interest and competing asset classes, and market infrastructure (Walley, 2011). Together, these factors create the environment in which housing finance can be offered, and this in turn creates the effective demand for housing which itself drives the housing market and frames, in part, the housing interests of the financial market.

As Africa sits poised for economic growth, how can the these ingredients be orchestrated to facilitate growth in the housing finance market, and what can housing finance practitioners do strengthen their position? These questions frame the agenda of the annual conference of the African Union for Housing Finance. The AUHF Annual Conference will bring together investors, banks, development finance institutions, pension funds, housing development companies, and other housing sector practitioners to consider the opportunities for housing finance markets in Africa.Taking place in Sandton, South Africa, from 6-9 September 2011, the AUHF Conference will explore the ingredients for growth in housing finance in Africa, and will identify opportunities for increased participation by housing finance sector practitioners. The Conference will be followed by the Annual General Meeting of the AUHF, where a focused programme of action will be developed so that the body can represent its members’ interests in various policy and other forums throughout the year.

Stimulating local financial investments in neighbourhood economies, infrastructure & home improvement
by Bonnie Hewson- Chief Urban Finance branch, UN Habitat
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Opportunities and Challenges facing investors in Africa
by Pamela Lamoreaux- International Housing Solutions
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Key issues facing investors in Africa
by Gerhard Engel- FMO
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Sub Saharan Africa Capital Markets
by Konrad Ruess- S&P Johannesburg
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Financing Africa: Key issues for the Housing Finance Sector
by Samuel Maimbo- Lead financial sector specialist, Africa World Bank
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Regulatory, Policy and supply issues in Housing Finance in Africa
by Kecia Rust- FinMark Trust, Centre for Affordable Housing Finance
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Grasping Opportunities: the four A’s to advance housing and housing finance markets in Sub-Saharan Africa
by Friedemann Roy- Senior Housing Finance Specialist, World Bank
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Growth, Urbanisation and Affordability
by Yusuf Patel- Basil Read
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Developments in Kenya
by Frank Ireri – Housing Finance Kenya
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Opportunities for the supply of affordable housing
by Arnold Meyer- Renaissance Partners
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Developments in Nigeria
by Roland Igbinoba- CEO Pison Housing Company
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Access to housing finance in South Africa: A review of the past 5 years
by Illana Melzer- Eighty20
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Defining access to housing finance in Malawi, Tanzania, Botswana, Zambia
by Illana Melzer- Eighty20
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Borrower education: opportunities for a collaborative approach
by Rosemarie Sabatino- CHF International
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Shelter Afrique: offering housing finance across Africa
by Bishige Kahumbya- Shelter Afrique
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Infrastructure and Housing: the implications of islands of service
by Michael Kihato- Consultant
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Developments in Tanzania: the emergence and work of the Tanzania Mortgage Refinance Company
by Rished Bade- CEO at Tanzania Mortgage Refinance Company
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Housing Microfinance: a growing opportunity with unique partnerships to serve lower down market
by Sean O Sullivan- Select Africa
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lHousing Microfinance: a growing opportunity with unique partnerships to serve lower down market
by Ezekiel Esipisu- Habitat for Humanity International
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AUHF conference 2010

From 21-23 September 2010 in Gaborone, Botswana, the African Union for Housing Finance held its annual conference and AGM. Seventy-three delegates and speakers from ten countries took part in a training day on the 21st, and the conference on the 22nd of September 2010. The AUHF Annual General Meeting took place on the 23rd of September 2010, and was attended by nineteen members of the AUHF from eight AUHF member countries.

Opening Remarks
by Stuart Kufeni- CEO at SADC Development Finance Resource Centre
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Providing affordable & adequate housing for the poor
by Claudio Acioly Jr.- UN Habitat
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Extending access to housing finance through housing microfinance
by Angela Mwai- Project Finance advisor at UN Habitat
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Key note address
by Hon Nonofo Molefhi Minister of Land and Housing
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The next decade of the IUHF: Facing the challenges together
by Cas Coovadia- Chairperson at International Union for Housing Finance
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The Challenges and Opportunities for Housing Finance in Africa & what this means for the AUHF
by Reginald M. Motswaiso- AUHF Chairperson
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Housing Finance Specialist, The World Bank
by Simon Walley- Worlda Bank
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Housing Finance in Botswana: A Housing Finance practitioners perspective
by Michael Wiegand- Head of Consumer Banking at Standard Chartered Bank Botswana
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African Housing Finance yearbook
by Kecia Rust- Centre for Affordable Housing Finance Africa
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New Developments in Housing Finance in Africa and Challenges facing practitioners
by Michael Williams- Houses for Africa
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New Developments in Housing Finance in Africa & Challenges facing practitioners
by Vincent Galeromeloe- Country Manager, Botswana TransUnion
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New Developments in Housing Finance in Africa & Challenges facing practitioners
by Vincent Galeromeloe- Country Manager, Botswana TransUnion
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New Developments in Housing Finance in Africa and Challenges facing practitioners
by Trudi Schwartz- Select Africa
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Articulating a Housing Finance Sector
by Konrad Reuss- Managing Director at Standard and Poors SA & SSA
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