Shelter Finance in the Age of Neo-liberalism

This paper introduces innovations in shelter programmes currently emerging in the global South. The paper discusses the evolution of a new approach aimed at reaching some of the lowest-income groups. This approach is placed within its historical and ideological context through a review of previous efforts and an analysis of present shelter programmes. While the new approach has aspects that appear to be consistent with neo-liberal economic policy, in practice there is a significant role for the state to enable greater inclusion through the provision of subsidies and greater affordability within an appropriate regulatory framework.