Availability of adequate funding is an important input in sustainable housing.it is envisage that over 80% of houses fails to be completed because of inadequate funding. The current funding situation in Kenya has become a grave challenge complicated by multiple of factors. Increased demand for housing and government support continued to remain weak, institutional lenders (banks and housing finance) have indicated a strong growth but have shy away from investing in housing sector. Housing finance was not developed as sustainable line of business by housing co-operative, housing loans were limited to a specific project financed by donors or foundation, 80% of funding to housing co-operative come from external donors and foundations, Hence a strong measure are urgently required to address issues of adequate funding so that we can achieve sustainable housing in Kenya.
1.1 Housing policy
Housing is fundamental right for all citizens. Policies are made to make life more comfortable. Particularly housing policy is intended to end the problems people have been facing countrywide and to bridge the gap between demand and supply of houses in Kenya. This situation has been accelerated by rapid urbanization, widespread poverty, and escalating costs of providing housing. Adequate housing policy should address the following among others ;Poor to access housing and basic services and infrastructure, encouraging integrated, participatory approaches to all stakeholders, promoting and funding of research on sustainable housing, harmonizing existing laws governing housing and creating and promoting enabling environment for public and private investors to provide housing to all socio-economic groups.(Gok,2010)
1.2 Income generating activity
Number of programs have been tailor made to suit the needs of Low income household in Kenya particularly financial programs. For instance, housing acquisition. The process of family moving out from their residence particularly informal settlement to formal settlement appears to bring a complex series of dynamics that families will adopt with socio economic need and preference in new environment. Income generating activities at home are found amongst the strategies that poor families use to overcome situations of poverty, unemployment and make the home more sustainable to live in. (Serna 2005)
1.3 Housing co-operative structure
Housing co-operative structure is intended to mitigate the risks associated with lending of funds to the low income household with irregular income through housing co-operative model. Housing co-operative use an integrated approach for instance mobilizing resources together, collective action, and collective participation in provision of sustainable housing. Housing co-operative is “one stop shelter shop” for improving the condition of a member. Sustainable housing is complicated product especially for low income household who require assistance not only with finance but also with access to land, tenure security and low cost.
1.4 Housing standards
Housing construction should be of the highest quality internally, externally and in relation to their context and to the wider environment. Quality housing play critical role in reducing poverty, improving health and wellbeing of members as well as addressing issues of affordability. Sustainable housing standards aim at reducing unnecessary cost of housing, Build home with positive impact on the health and socio wellbeing of residents, Build homes that are designed and built to high design and sustainability standards; Build homes that are easy to maintain and are adaptable both for residents and to future climate change. (HDA2017)