A new citys demand-driven

City-wide Upgrading and Inclusive Housing Development

support by flexible finance directly to community organizations to implement their projects ADB Urban Forum Manila 14-17 November 2011

Problems with supply driven approach does not match with demand side the targetted urban poor

Rethinking How to make the demand side

Become main actors and drivers at the realistic scale of the problems with support from more friendly, efficient and accessible finance

City-wide Survey in Samutprakarn Province

Bang Proang : Household Survey

Community Organization Development Institute

1. Conventional govt, Fiscal budget, top-down system.

2. NGOs Service delivery.

Donors min. dep. proj.

NGOs CDF.
Community Development Fund
proj.
Indi.
Conditions of first world. Market.

Com.

Bank
Company. Individual.

3. Private sector banking system.

Community Saving Activities

Saving people, saving money, saving group managerial capacity And building community financial system for long term sustainable community and housing development

Community planning process

7

City-wide upgrading involving many possible city development actors and find various secured housing solutions for all communities in the city
On-site Upgrading Community
Row-house

Community

Land-sharing& reconstruction

Flat

Detach house

Municipality

City-widesurvey / joint planning, search forsolutions together

Find various solutions suitable for all communities in city

Reblocking & readjustment

Flat

Other dev.agencies

Resettlements

Row-housing

Mixed approach

Charoenchai Nimitmai Reblocking Upgrading Community

Location : Bangkok Land Owner : Cooperative Situation : Eviction Area size : 0.7 ha. No. of Units : 81 improvement : Reblocking 2 Size : 40-100 m Repayment : 1,100-2,000 baht (2750 U$) per month

Project opening ceremony

Before Upgrading

After Upgrading

Ruam Samakki : Community Plan

Before

After

Whole sale loan from CODI to community cooperatives and Development of sub-groups in new com. management
Interest 4%

CODI

Bonkai Community Credit Union

Roles of subgroups
Group garantee Help each other Collect repayment

subgroup subgroup subgroup subgroup

Subgroup management
Subgroup saving fund Daily savings collection Monthly meeting Help members who cant pay

Community Cooperatives on lend to members at 5-6 % interest using margin for community development, management and welfare

Community people are actively planning to upgrade and changing slums to proper settlements The poor themselves are best actors
Picture from ACCA Program now implementing in 140 cities around Asia Picture from Myanmar, Vietnam, Fiji and Thailand

Some community upgrading, housing projects from Vietnam, Laos, Cambodia, Myanmar (with
support of only 40,000 USD as housing loans to community and City Development Fund)

New politics of Cooperation and building PARTNERSHIP