Availability and accessibility of affordable funds is the most important input in sustainable housing. Financing is available all round us, but the most trick part is whether this funds are affordable and accessible by the members of housing co-operative. 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 loans are limited, 80% of funding to housing co-operative come from external donors and foundations, therefore, a strong measure are urgently required to address issues of adequate funding so that achievement of sustainable housing can be possible in Kenya. (NACHU 2012)
1.1 Government regulation and policy framework
Success of housing is largely depends on housing policies, in particular delivering systems in land, infrastructure services, finance, construction industry and building material supply. Inappropriate regulation and insufficient policy framework may lead to havoc with housing supply for the majority of Kenyan. Therefore, housing policy for low income household has multi objective and multi institutional relevance (UNCHS- GSS 2000).Housing being station structure, the national and county government are considered the most important actor in the process of housing delivery or rather facilitating people to house themselves. (Ebsen, C and Ramboll, B 2000) Hence an integrated policy framework is required to co-ordinate all the actors to create “pull” from the side of beneficiaries rather than a “push” from the side of authorities. It is therefore, inevitable for such co-ordination and adequate implementation of the policy, optimizing limited resources and integrating the various actors to achieve sustainable housing.
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 development 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)