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Home ownership, tenancy and the HMF product
An interesting statistic struck me the other day when browsing through an article on land ownership in African urban areas. While in Dakar, Senegal, 74 per cent of the slum dwellers are owner occupiers, in Nairobi it is the exact opposite; as high as 95 per cent of dwellers are tenants and do not own their structures. Nairobi is not unique: in many African and indeed developing world cities, there is a major skew in terms of land ownership.