Housing Micro finance

The Housing Microfinance (HMF) Program is a credit transaction for low-income families to help finance their housing needs. The program is divided into two parts referred to as Wholesale Lending and Retail Lending respectively.

If many Micro Finance Institutions (MFIs) are offering housing loans, it will assist in increasing availability of housing options for 80% of the countries low-income families beyond Habitat’s direct influence. The short-term objective is to assist families improve their housing conditions using MFIs as implementing institutions.

Habitat for Humanity’s Retail lending (HMF) supports low income households especially those working in the informal sector. to undertake incremental housing improvements through the provisions of home  improvement loans

We provide Wholesale Lending  to microfinance   institutions ( MFIs and SACCOs) to influence the Micro Finance Industry in Uganda to take on HMF as a viable loan product with an objective to increase availability of housing options for 80% of the countries  low-income families beyond Habitat’s direct influence.  Our current partnership is with ENCOT, an MFI working in western Uganda.