Housing problem in Nigeria are
multi-dimensional, they occur both in the urban and rural areas. They are
qualitative and quantitative, psychological and socio cultural in nature these
problems are consequential of the inability and ineffectiveness of both the
public and private sector to meet the housing need of the populist. As a result
of this, any lasting solution to the Nigerian housing problem require a
multi-fatted approach. Housing delivery system in Nigeria Is a combination of
interrelated process as such, housing problem is multi-farious and requires
multi-dimensional solutions to Nigeria’s diverse housing problem which revolves
around overcrowding and slum housing.

 Many Nigerian cannot afford decent housing;
they live in contraptions that can only be called shelter and not housing.
Government overtime has intervened in the housing sector by increasing housing
stock through the construction of housing estate and disbursement of housing
loans. These measures have done little to address the situation and on the
other hand, housing provided by private sector operators is out of economic
reach of medium income housing earner.

An effective and realistic
strategy for providing decent housing in decent environment at decent price is
therefore critical. Various authorities have provide strategies in improving
housing delivery but various reports review that the rigid bureaucratic system
of government should be streamlined, while issues of land allocation and
housing finance should be addressed. Report on corporative housing ability
suggested that financial institution should be more accessible to the people,
it indicate that cooperate housing movement should be given a closer look since
cooperate housing as a society that corporately owns a group of houses in which
each member participate actively relate on matters concerning housing

 Good to mention about this concept is that, it
democratically controls it activities and receive a social and economic benefits
in all owning a cooperative. It operational framework remains lighter for
economic advantage were individual can own a house, including all land dwelling
unit it stakeholders who by virtue of their stock ownership are entitle to
occupy a specific housing unit, in turn, jointly own by the cooperative
cooperation. The stakeholder purchases stock in the cooperative cooperation,
upon purchase of the stock, signed perpetual lease that deals him a legal and
exclusive right to occupy a dwelling unit as long as all obligations to the
cooperative meet the cooperation’s legal owner of the property. As such, the
cooperation also is responsible for meeting a financial obligation including
mortgage payment, real property tax and management maintenance cause.

 The cooperative passes on these costs to the
stakeholders who pay a single monthly fee for caring charges for the
cooperative seek to provide the highest quality housing possible within cost
guidance. Benefits durable from cooperative housing are economic social and
physical. This meaningful option is where maintenance responsibility is the
cooperative association’s equity who bares the cost of major repairs, and
vandalism and in any case of abuse of property.

Another case in point is
including democratic control and participatory decision making, cultural
diversity and the elimination of outside landlords. On best practice, report
indicates that cooperative movement in united states of America has witness
tremendous boost in the past ten years especially since it stakeholders have
applied for housing development. Report revealed also that Cooperative housing
in the United States provides decent housing and affordable housing for low and
middle income earner in self-governing communities.

Accordingly, it is well funded,
regenerated and amendable to comprehensive land use planning and democratic
control. It Overall objectives is to obtain low and moderate income families,
decent housing at affordable price with effective resident control. Report also
reveals that most of the cooperative were set up by civil organization and
private realtors. Government only act as a policy maker and a facilitator by
offering tax rebates and direct funding from cooperative targeted at the poor.

It also indicate that the
government having cooperative are the commercial institution fund the system,
cooperative enjoy the right to formulate their own policy and funding
arrangement in addition, bottom up approach use here are the professional urban
planners who save as the initial pressure group and are fully involved in
ensuring that planning principles are not compromise report also indicate that
today, over one million American live in housing cooperative 17% of the total
number of the rent reduction housing unit in America are on cooperative.

Their growths have been
attributed to the high government support it gets through legislation and
funding, and in recent time privatization. In Nigerian experience cooperative
is not new, the principles of cooperative is entrenched in the lessons of many
Nigerian’s either nationality inconsiderable of proportion of rural dwelling
were produced by people’s physical effort as well as obtaining loans from the
local cooperative saving society.

As successful as the systems
were, not much emphasis on formal cooperative housing is operated in Nigeria.
Report indicates that although credit, tariff solution and building society
exist which indirectly perform cooperative housing function; the impact of the
housing sector is negligible. Apart from the fact that the principles of
cooperative is inherent in most Nigerian culture, cooperative housing is a
pragmatic and curse effective means of home ownership. 

The principles have been
a benefit to many influential organizations such as the United Nation,
infrastructural cooperative alliance and the united nation center for human
settlement. Unavoidably, however, socio economic constant have affected the
Nigerian housing industry adversely. 

The construction industry in Nigeria is in
dire straits, the problem is further aggravated by the high cost of building
material; inadequate provision of infrastructure within the existing housing
estate that  is traceable to the hailing
economy which seems to defy solution. Structural unemployment is the order of
the day in fact, poverty has been institutionalized hence it is impossible for
a medium income earner to own a house judging from the extensive housing demand
in Nigeria urban center, there is the need for a revolutionary and reductive
strategy involving non market and nonprofit making measures. Indeed the
application for the cooperative housing principle to Nigerian housing problem
requires an in-depth study of her culture and socio economic environment in
order to device and indigenous and workable operational frame work. As discussed,
a study of experiences of other countries will also act as guide

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