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Abidin, N Z, Adros, N A and Hassan, H (2014) Competitive strategy and performance of quantity surveying firms in Malaysia. Journal of Construction in Developing Countries, 19(2), 15-32.

Chakraborty, B and Das, S (2014) Mgnrega and water management: Sustainability issues of built forms in rural India. Journal of Construction in Developing Countries, 19(2), 33-50.

Daniel, M M (2014) Evaluating the determinants for access to subsidised mortgage housing in jos, Nigeria. Journal of Construction in Developing Countries, 19(2), 87-109.

  • Type: Journal Article
  • Keywords: finances; housing; jos-Nigeria; subsidy
  • ISBN/ISSN: 1823-6499
  • URL: http://web.usm.my/jcdc/vol19_2_2014/JCDC%2019(2)%202014-Art.%206%20(87-109).pdf
  • Abstract:
    Nigeria's subsidised mortgage system operates on the assumption that workers would subscribe to a scheme (National Housing Fund [NHF]) as a precondition for access to housing. The subsidised mortgages are limited in supply and the mechanism lacks efficiency and distributional equity. These issues are empirically examined in Jos. A survey was conducted among workers in 24 randomly selected organisations. A total of 543 questionnaires were administered and 410 were retrieved. Analysis employing Pearson's chi square indicates a low-level of participation and a lack of awareness about the NHF scheme. There are negative feelings about the arrangement, and for the entire sample, gender and employment characteristics were found to have statistically significant relationships with participation in the NHF scheme. However, access to subsidised mortgage is influenced only by gender and tier of government employment. It is concluded that participation in the NHF scheme is a necessary but not a sufficient condition for access to mortgages in Jos. These findings call for increased awareness about NHF and improved efficiency in its administration. As the study was limited to the city of Jos, the methodology could be used to corroborate the evidence in other Nigerian cities. © Penerbit Universiti Sains Malaysia, 2014.

Enshassi, A A, Arain, F and El-Rayyes, Y (2014) Post-evaluation system in construction projects in gaza strip-palestine. Journal of Construction in Developing Countries, 19(2), 51-73.

Kamal, E M and Flanagan, R (2014) Key characteristics of rural construction SMEs. Journal of Construction in Developing Countries, 19(2), 1-13.

Sospeter, N G, Rwelamila, P D, Nchimbi, M and Masoud, M (2014) Review of theory and practice literature on women entrepreneurship in the tanzanian construction industry: Establishing the missing link. Journal of Construction in Developing Countries, 19(2), 75-85.