《Collective Self-Help, Financial Inclusion, and the Commons: Searching for Solutions to Accra's Housing Crisis》

打印
作者
来源
HOUSING POLICY DEBATE,Vol.28,Issue1SI,P.64-78
语言
英文
关键字
Ghana; Accra; housing crisis; housing policy; self-help housing; finance; commons; GHANA; POLICY; CITIES; DISPOSSESSION; LIMITS; SLUMS
作者单位
[Gillespie, Tom] Univ Manchester, Sch Environm Educ & Dev, Global Dev Inst, Manchester, Lancs, England. Gillespie, T (reprint author), Univ Manchester, Sch Environm Educ & Dev, Global Dev Inst, Manchester, Lancs, England. E-Mail: thomas.gillespie@manchester.ac.uk
摘要
Accra is experiencing a housing crisis caused by the failure of both the state and the market to provide affordable shelter for the city's low-income population. The launch of a new National Housing Policy in 2015 indicated a growing interest on the part of policymakers to support an alternative approach to low-income housing pioneered by civil society that is based on the principles of collective self-help and financial inclusion. This article conceptualizes this approach as an attempt to incorporate previously excluded surplus populations into the circuits of capital by extending finance to low-income city dwellers. However, this approach diverges from more conventional market-based approaches by promoting collective forms of organization, tenure and resource management-or "commons." To scale this approach up beyond isolated pilot projects and ensure that it is genuinely affordable to the poorest groups, it is argued that collective self-help must be accompanied by subsidies from the state.