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Presidency queries FIRS boss over N12.6tr tax collection

The Presidency appears displeased with the taxes the Federal Inland Revenue Service (FIRS) has collected in the last three years.

This is despite the fact that the FIRS generated the largest revenue in the nation’s tax history when it collected N5.3 trillion in taxes in 2018 and is targeting N8 trillion in 2019.

The Presidency conveyed its displeasure at the FIRS’ collection efforts in a query issued to the Executive Chairman of the FIRS Mr. Tunde Fowler by the Chief of Staff to the President Alhaji Abba Kyari.

The query circulating in the social media titled: “RE: Budgeted FIRS Collections and actual collections” reads: “Your attached letter (FIRS/EC/ECW/0249/19/027 dated 26 July 2019) on the above subject matter refers.

“We observed significant variances between the budgeted collections and actual collections for the period 2015 to 2018.

“Accordingly, you are kindly invited to submit a comprehensive variance analysis explaining the reasons for the variances between budgeted and actual collections for each main tax item for each of the years 2015 to 2018.

The query marked “Restricted” added that “we observed that the actual collections for the period 2015 to 2017 were significantly worse than what was collected between 2012 and 2014. Accordingly, you are kindly invited to explain the reason for the poor collections.”

Kyari directed Fowler “to respond by 19 August 2019.”

The development has raised questions over the propriety of the query given that there is no Minister of Finance and did the query come from the Permanent Secretary of the ministry.

In January 2019, Executive Chairman of the FIRS Mr. Tunde Fowler announced in Lagos that the Service broke its collection records by generating N5.3 trillion from taxes collected and is targeting N8 trillion for 2019.

According to Fowler, the N5.320 trillion collection is considered to be the highest revenue ever generated by FIRS in history.

The highest in FIRS was N5.07 trillion generated in 2012 under Ms. Ifueko Omoigue.

Fowler said “FIRS’ generation of N5.3 trillion is significant as it was at a period when oil prices averaged $70 per barrel. Oil price was at an average of $100 to $120 per barrel between 2010 and 2013.”

In realizing this milestone, the FIRS boss noted that the non-oil component of the N5.320 trillion is N2.467 trillion that was (53.62 per cent), while the oil element of the collection was N2.852 trillion (46.38 per cent). From audit alone, the FIRS collected N212,792 billion from  2,278 cases with a huge reduction in audit circle.

Inspite of this achievement, Tunde Fowler lamented that: “while we have been steadily increasing revenue collection over the years, our cost of collection has actually been going down. In 2016 we collected N3,307 trillion, in 2017 we collected N4,027 trillion and in 2018 we collected N5,320 trillion.

“Meanwhile, the cost of collection as a percentage of actual taxes collected has been reducing; in 2016 it was 2.6%, in 2017 it was 2.49% while in 2018 it was 2.14%.” The FIRS is entitled to 4% cost of collection.

He added: “The Service has been making tremendous efforts in also increasing the amount of non-oil revenue it collects. Non-oil collection has contributed 64.99% in 2016, in 2017 it contributed 62.25% and in 2018 it contributed 53.62%.

“This represents the government’s focus on increasing non-oil sources of revenue and the diversification of the Nigerian economy.”

Court Restrains ARCON From Conducting Qualifying Exams

The High Court of the Federal Capital Territory (FCT) has restrained the Architects Registration Council of Nigeria (ARCON) from conducting and or conducting any qualifying professional examination by whatsoever name or form for the registration of architects in Nigeria. Justice Muawiyah Baba Idris made the order upon hearing of a motion of ex parte dated May 30, 2019, and moved on July 30, 2019, by S.N Mbaezue of Paul Ananaba & Co, counsel representing some concerned architects.

In the motion filed by the concerned architects and some of them that passed the qualifying examinations conducted by the Nigerian Institute of Architects (NIA) and supported by a 45-paragraph affidavit, the applicants had urged the court for an order of interlocutory injunction against the defendants.

They named ARCON, its president, NIA and its president, as defendants. In his ruling on the motion marked M/6824/19, Justice Idris granted the reliefs sought by the applicants and adjourned hearing on the originating summons till August 8, 2010.

The court also ordered that the summons be served on NIA (2nd defendant) and NIA president (4th defendant). In the originating summons, the concerned architects had urged the court to determine whether by the provisions of Sections 7, 8, 9, 10 and 11 of the Architects Registration Act, CAP A19, Laws of the Federation of Nigeria, 2004, the roles of ARCON extended to the setting up and conducting of qualifying examination for architects in Nigeria.

The applicants also asked for a declaration that the function of ARCON was the regulation of architecture only in Nigeria, which included the registration of architects who had sat and passed the qualifying examination. They further sought a declaration that the only body required to carry out and conduct qualifying examination for the registration of architects in Nigeria NIA.

The aggrieved architects, among other things, also asked for a court declaration that the professional qualifying examination to be conducted for the registration of architects in Nigeria was the Professional Practice Competence Examination (PPCE) and must be in accordance with the Constitution of NIA. It would be recalled that ARCON and NIA had been in dispute over who should conduct architects’ qualifying examination thereby leading to the non-registration of many architects who had already sat and passed the examination.

Source: dailytrustng

We Need A Whole New Generation Of People Who Can Think Differently About Home Design

The architect wants the government to build 100,000 council homes a year

George Clarke is back on our television screens, this time with the programme, George Clarke’s Council House Scandal, which makes the case for building more social rented housing. The campaign goes beyond the television screen, having its own website, a Change.org petition and a brownfield site in Manchester where Clarke will be practising what he preaches with a demonstration project.

The campaign calls on the government to build 100,000 council homes a year, but Clarke knows that’s a big ask, and that behind it lie a string of deep-rooted challenges. Ultimately the way in which homes are delivered and built needs to change, Clarke says, and he is on a mission to help make that happen with this campaign and initiatives such as his charity, the Ministry of Building Innovation and Education (Mobie). Why do it? “It’s not for me, or for the television,” he says, “but because the system is broken.”

We need a whole new generation of people who can think differently about how homes are designed

Tell us about the series and the campaign?

“I’ve wanted to make this programme for years and asked Channel 4 if I could do it six years ago. I grew up in a council house in the new town of Washington (in Sunderland) and it gave me security, stability and a home for life.

“The government believes homeownership is the only way to social mobility, but that isn’t true. There is now such a low number of truly affordable homes being built that it is increasing the social stigma around the homes. The government needs to step in and back the building of new homes, and there needs to be suspension of right-to-buy in England and Northern Ireland to allow us to replenish stock.

“A strong, stable home benefits wellbeing, but without it everything in life is a fight and a struggle.”

What’s your demonstration project in Manchester?

George Clarke6

“I’m working with Manchester city council on a site that will have around 70 homes. This is not about ticking boxes. I want good space standards, great ceiling heights, and some of the homes will be built using offsite manufacture. I’ve created some offsite homes for Smith’s Dock in North Shields, the development by Urban Splash and Places for People. The homes have ceiling heights of up to 2.9 metres and lots of natural light.

“Washington didn’t just have decent houses, it had green spaces and amenities. I am going to struggle to get amenities into the Manchester scheme because the scale is small and there are maintenance concerns around features like green space. It is heartbreaking, because as a lad I was lucky enough to have all that.

“The project is being designed and will go in for planning soon. I’m hoping it will be built next year.”

Is broader change needed in the industry?

“The government owns a shedload of land, it has Homes England, it has a country with the best designers in the world and massive housing need. But the government isn’t backing the building of truly affordable homes and the biggest and most powerful housebuilders are building for profit, not people.

“Housebuilders will argue that they can’t improve building or design standards because it will push up house prices. So, if you raise design standards and increase the price of every new home, it is the land price that should fall when organisations are bidding for land. To make it work, land would come down in price.

“As a culture we need to value great design, and I’m not just saying that as an architect. Great design is about buildings, spaces – it is life-changing stuff.

“And then there’s procurement, which is in the dark ages. We have young designers who cannot get onto frameworks and the OJEU process, which is painful.”

What part does offsite manufacture have to play in this?

“I’m heavily involved in manufacturing, have worked on modular homes and am passionate about it, but really it is a means to a better end. My mum doesn’t care if her home is modular or not. Modular and factory building allow us to create precision engineered homes – design for manufacture, rather than design for construction – for improved quality.

“But there are some offsite manufacturers that are not doing R&D and are not leading by design. They are making standard house types available and that’s a race to the bottom. There should be a long-term sustainable approach. I feel sorry for councils like Redbridge, which featured in the programme, which are turning to solutions like that out of a sense of emergency – they are trying to fix an urgent problem.

George Clarke3

What progress is your educational charity Mobie making?

“We need a whole new generation of people who can think differently about how homes are designed, about materials and the supply chain. We need a new education system to train architects for manufacture. A lot of Mobie students are taught by manufacturers.

“Mobie has been running for two years and is creating an educational pathway from BTEC to post-graduate level. It is about taking a 30, 40 or 50 year approach and creating generational change. We need to change the system.

“We have our first intake of around 20 students on our first MSc in Advanced Home Futures graduating this August and I’m working hard to get them jobs. We have a BTEC course in Construction and the Built Environment – these students are usually aged around 16-18, but we have students in their 20s too.

“We are developing Saturday workshops, outside the national curriculum, for schools, which will have design challenges for 14-16 year olds. And we’re advertising for our first cohort of students for our PhD in Advanced Home Futures.

What’s your biggest concern?

“My biggest worry is that the rush to build homes has become a numbers game for politicians. Whatever the government, politicians have not been solving the problems and have not had a long-term plan.

“Minister after minister says they are committed to delivering 300,000 homes. How many times have they said it? James Brokenshire texted me on the day the series began to say he was disappointed that he couldn’t carry on the work in this area. I’ve contacted Esther McVey. I’m prepared to keep at this. I will do it for the rest of my life if I have

UK 10-year government bond yield sinks to historic low

A cocktail of trade tensions and Brexit risks has driven UK bond yields to a record low, as investors ignore slightly stronger economic data to pile into haven assets.

UK debt was swept up in global rally on Monday morning, pushing 10-year gilt yields below 0.5 per cent. The yield has now dipped below its previous August 2016 trough, which came after the Bank of England slashed interest rates to an all-time low in the wake of the vote for Brexit.

The latest gains for government debt came as the weakening of the Chinese renminbi beyond the closely watched Rmb7 per dollar mark signalled a new phase in the US-China trade skirmish. Investors increasingly fear an all-out currency war with global central banks competitively cutting interest rates.

In Europe, UK government bonds led the gains, with the looming prospect of a no-deal Brexit providing an extra boost.

“The UK faces an unhelpful combination of global risks and Brexit,” said David Page, senior economist at AXA Investment Managers. “There’s this continued speculation about an early election and the possibility that could be used to facilitate a no-deal Brexit.”

Investors have bought gilts recently as no-deal risks ratchet higher, on the assumption that leaving the EU without an agreement will hit the economy and force the Bank of England to cut interest rates in response. Traders are pricing in a 55 per cent chance of a rate reduction by December, ticking up slightly on Monday.

The moves came despite purchasing managers’ data from IHS Markit which showed the key services sector expanded faster than expected in July.

Mr Page said that UK government bonds would continue to look attractive to some investors despite record-low yields: “Ten-year yields are still about a percentage point higher than their German equivalent. By comparison to negative yields in Europe, any kind of positive yield looks good.”


Homebuyers in Hong Kong are looking at Malaysian property as second homes and for retirement, with Kuala Lumpur, Penang and Johor Bahru garnering a lot of interest because of affordable prices amid a supply glut.

Terence Law, senior principal project director at Centaline Property Agency, said that more than half of the 21 units released on June 7 at a condominium project in Johor Bahru were snapped up within the weekend by buyers from Hong Kong. The units were priced from HK$787,331 (US$100,000) to HK$2.27 million.

Law said about 35 per cent of his clients were buying Malaysian property for retirement or as a second home.

According to data from the National Property Information Centre (Napic), the median cost for a house in the state of Johor is 350,000 ringgit (US$84,000). A 300 sq ft apartment in Hong Kong, much smaller than the average flat in Malaysia, would still cost six times more.
Malaysia’s southern state of Johor calls for property purchase restrictions by foreigners to be halved to bolster real estate sales

Compared to other Southeast Asian cities, property prices in Johor Bahru are “much lower”, Law said. He estimates they are roughly half the price of an average home in Bangkok and “about 20 times cheaper” than prime locations in neighbouring Singapore.

Melissa Lee, associate director of valuation and advisory services at Colliers International, said the cost of living in Johor remains among the lowest in the world.

“Particularly with the Malaysia My Second Home (MM2H) programme … it remains a target for retirees,” she said.

The MM2H is a government initiative that offers 10-year renewable visas to non-Malaysians in a bid to get foreigners to live in Malaysia. It allows visa holders to buy residential property that cost more than 1 million ringgit.

But prospects for price appreciation are weak because of an oversupply of residential units.

A DBS Bank research report on Malaysian property from January noted that price growth for the third quarter of 2018 had fallen to the lowest level since 2010, partly because of pressure from an “alarming” supply glut.

In 2018, about 32,000 residential units worth about 19.9 billion ringgit remained unsold across the country, almost a threefold increase over four years, according to Napic. Johor accounted for 6,066 unsold units, the largest among the states.

“Currently, the occupancy rate for high-rise apartments in Johor is about 50 per cent,” said Tan Ka Leong, director of property firm CBRE-WTW in Johor. “For newer high-rise apartment developments, present occupancy rate is estimated to be about 30 per cent or less.”

Tan said his estimates do not take into account any unsold units in Johor’s US$100 billion Forest City mega project, which is touted to house 700,000 residents when complete in 2035.

Multiple headwinds for Chinese property developers in Malaysia

Its Chinese developers Country Garden did not respond to queries on the number of units left unsold.

Vacancies in completed high-rise apartments were a result of a large number of developments in 2013 and 2014, leading to high supply in the past three years.

Malaysian authorities have frozen approvals for high-rise apartment development since end-2014, and analysts say that vacancy rates and house prices are not expected to fall much lower.

However, homebuyers seeking a bargain still have some time to act.

“There’s going to be fewer high-rise products being introduced,” said Tan, who expects three to five years for the existing vacant units to be bought.

Debbie Choy, branch head of real estate agency Knight Frank’s Johor Bahru office, said that some new supply of high-rise apartments from residential projects approved and under construction can be expected.

“It will take some time for the market to absorb the stock,” she said.

How weak economy shut down 2,877 firms in 4 years

On February 19, 2016, South African retailer Truworths exited Nigeria, shutting down two remaining stores in Africa’s biggest market.

The clothing retailer cited stringent import regulations and rising costs as key reasons for exiting the market.

Many medium enterprises like Truworths exited the Nigerian market between 2013 and 2017 owing to sluggish growth, recession, regulatory pressure and poor economic management.

The latest report by the National Bureau of Statistics and the Small and Medium Enterprises Development Agency (SMEDAN) put this number at 2,877, which shows why unemployment rate is 23.1 percent in Africa’s most populous country.

“The number of medium-sized enterprises decreased significantly from 4,670 in 2013 to 1,793 in 2017, indicating a 61 percent drop,” said the report launched last Thursday.

Interestingly, the number of micro, small and medium, enterprises (MSMEs) when viewed as a group grew from 37million in 2013 to 41.5million in 2017, the National Survey shows.

However, micro enterprises were responsible for this growth, with the number hitting 41.469 million (99.8 percent). Small enterprises were 71,288 (0.2 percent), but medium-scale businesses were only 1,793 (0.004 percent) from 4,670 before 2013.

“The periods covered by the survey were when the Nigerian economy was mostly down and in recession. The small and medium enterprises suffered from shocks in the economy, forcing many to close shop,” Friday Opara, director, strategic partnership, SMEDAN, who contributed to the survey, told BusinessDay by phone.

“This was why we had a decline in the number of medium-sized businesses. The growth recorded in micro businesses was as a result of so many retrenched workers starting up micro businesses to keep life going,” Opara explained.

Micro enterprises are businesses that employ less than 10 workers and are worth less than N5 million. Small businesses, on the other hand, employ 10 to 49 workers and are valued at N5 to less than N50 million. Medium enterprises, however, engage 50 to 199 staff members and are valued at N50 to less than N500 million.

“The number of MSMEs grew but the increase in numbers are made up of micro enterprises involved in trade, and not production, “Femi Egbesola, national president, Small Business Owners of Nigeria (ASBON).

“This is not what we need to grow our economy and create the needed jobs. The economic situation has been very challenging for SMEs and these have forced lots of them to close shop or operate far below their capacity,” he said. In August 2016, the Manufacturers Association of Nigeria (MAN) and the NOI Polls reported that 222 small-scale businesses closed shops, leading to 180,000 job losses.

Grif, maker of aluminium drums, exited Nigeria, including Federated Steel from China, maker of iron rods, which sold its assets to MNIL Limited.

Another iron rod maker, Universal Steel, was also among firms that shut down. These are medium-scale manufacturers. Frank Jacobs, former president of MAN, said 54 firms closed their factories between 2015 and 2016 owing to foreign exchange shortages.

Oil prices showed signs of peaking in 2013 and 2014 under former President Goodluck Jonathan. It eventually slumped below $50 in 2015. After the general elections in 2015, however, Muhammadu Buhari won but could not appoint his cabinet six months into his administration.

These and other factors helped to tip the economy into recession in 2016 and the unemployment rate reached 23.1 percent, according to the NBS, with almost 50 percent of the 200 million Nigerians in multidimensional poverty cadre, according to the United Nations Development Programme (UNDP).

“The challenge is that it is even the medium enterprises that create the jobs that are closing down,” Ike Ibeabuchi, a manufacturer and analyst, said.
“Micro enterprises can only employ one, two or three, but medium businesses can employ up to 100 at a go. This calls for a policy shift and serious introspection on the part of the Nigerian leadership,” he added.

Most SMEs commit 40 percent of their expenditure to energy and pay 54 taxes introduced by different levels of government, according to experts. The World Bank ranks Nigeria 146th on its Doing Business Index, which reflects the difficult situation faced by businesses. The SMEs are left to battle with various issues ranging from a tough environment to restrictive economic policies, overbearing regulatory agencies, and tax multiplicity.

Access to finance is poor, with interest rate on loans from banks hovering between 20 and 35 percent.

The Manufacturers CEOs Confidence Index (MCCI) survey conducted by the Manufacturers Association of Nigeria (MAN) in the first quarter of 2019 highlighted various issues hurting Nigeria’s productive sector.

According to the MCCI, CEOs confidence stood at 51.3 points in the first quarter of the year, slightly above the 50 points benchmark of a good performance. Issues around foreign exchange, double-digit interest rate, government capital implementation, multiple taxes, overregulation and raw materials were identified by chief executives of Nigerian firms as some of the challenges dragging the growth of the sector backwards.



30 Housing and Construction Brands to Watch at 13th AIHS

Africa’s biggest housing and construction event – Abuja International Housing Show (AIHS) – is proud to unveil the 30 housing and construction brands to watch at this year’s show.

The following brands have shown what impact they can make at the show and are not listed in any preferential order.


iBUILD is a powerful, mobile platform that closes the gap in affordable housing production by Empowering the World to Build. iBUILD is a C2C market disruption tool that connects people in need of shelter with masses of construction-related people looking for work and facilitates open access to housing support services that guide individuals through the housing (re)construction process. iBUILD creates open and fair access to meaningful work through a localized construction marketplace coupled with a transparent ecosystem of support that improves consumer access to mortgages and micro finance, construction plans and a dynamic marketplace of contractors, workers and suppliers to all; iBUILD provides a mobile wallet solution so that every individual has the power to transact and immediately improve the security and adequacy of their own shelter according to individual need.


EchoStone is an internationally recognised building construction company with proven track record of delivering works of the highest quality with efficient innovations. The company is widely acknowledged as a resolute force in Nigeria and on the continent when it comes to quality and professionalism. The Abuja International Housing Show is impressed by EchoStone’s ability to reshape and modernise building construction in Africa. EchoStone runs a housing system developed specifically to address the worldwide housing shortage. They combine best-in-class design, development, and construction elements to achieve high-quality housing standards for communities in need. EchoStone also offers governments, non-governmental organizations, and real estate developers in emerging markets greater opportunities to build high-quality housing at far greater speed and scale.


Urban Shelter

Urban Shelter Limited is a property development corporation with headquarters in Abuja Nigeria. With over 25 years of experience in integrated property development and management, the company has been driven to make itself a household name in the property industry. Urban Shelter Limited has to its advantage an immense reserve of resources and experience, which give it the ability to effectively plan, develop and manage properties for individuals, private organisations, state and federal government establishments while strategically positioning the company to consolidate its activities across Nigeria, Dubai, and the entire West African sub-region. We are a real estate investment firm positioned to deliver cutting edge and competitive real estate solutions to our valued clients We engage in real estate development, brokerage, and management. We offer good and flexible payment plans on all our products and services. Our clientele include corporate bodies, private individuals, cooperative societies, institutions and companies.

Royal Ceramics

For more than 40 years Royal ceramics aims to be different. We are constantly striving to put forth the very best product. We offer the unique European aesthetic to homeowners and developers with most of our selection imported directly from Spain and Italy. When it comes to commercial or residential projects, we’ve got you covered. Our sales team will help you use your budget efficiently to reach your design goals while providing all the technical assistance you need. Primarily, we are a distributor of ceramic and porcelain tiles but we also offer plumbing accessories, kitchen cabinets, wood flooring, kitchen countertops, and bathroom vanities.

Brains & Hammers

In just over 10 years, Brains & Hammers has become one of the fastest growing real estate firms in Nigeria with a focus on the mid luxury range. By maintaining control throughout the design and construction process, we ensure that each of our residences is built to the highest quality standards. Established in 2006, Brains and Hammers Limited has gained reputation as one of the leading real estate and infrastructure development company in Nigeria. Year after year, we continue to provide housing solutions that appeal to customers’ needs for a wide range of market segments. We boast of some of the brightest minds in the industry and ensure continuous improvement as our organizational culture, structure, and operational strategies align to support and fulfill our business objective of customer satisfaction.


Cosgrove Investment Limited is a real estate development and general construction company focused on offering top quality housing solutions for specific markets in Nigeria and West Africa. They focus on delivering tailored services with a level of professionalism and reliability equal to the best international developments. The Cosgrove core team consists of highly respected individuals with years of experience and a solid reputation built on professionalism, integrity, and commitment to delivering value for all stakeholders. At the heart of Cosgrove is a deep commitment to delivering a seamless and straightforward experience for each and every Cosgrove customer. We believe this is essential to positioning the Cosgrove brand as a true leader and innovator in its market segment.

Family Homes Funds

Family Homes Funds is a partnership between the Federal Ministry of Finance and the Nigerian Sovereign Investment Authority as founding shareholders. The Fund is the largest affordable housing-focused fund in Sub-Sahara Africa, leveraging its significant capital (in excess of N500 billion by 2023) to facilitate access to affordable housing for millions of Nigerians on low to medium income groups. Through strategic partnerships with various players in the sector and some of the world’s main Development Finance Institutions, the Fund has an ambitious commitment to facilitate and supply 500,000 homes and 1.5million jobs for the low income earners by 2023. So far, the fund has been able to deliver mass housing for low income earners in the six geopolitical zones and in states like Nasarawa, Borno, Kaduna, Ogun, Delta and many more.

Mixta Africa

Founded in April 2005, Mixta Africa is Europe’s first-mover and active player in the fast growing African Real Estate sector. With offices in Morocco, Senegal, Tunisia, Côte d’Ivoire, Nigeria and Mauritania and projects in Algeria and Egypt, we have a mission of to create value for our clients by delivering innovative solutions. In 2015, Mixta Africa was acquired by Asset & Resource Management Company (ARM), an established asset management company headquartered in Lagos, Nigeria with circa US$3.5 billion under management. Mixta has more than 109 experienced professionals and subsidiaries in 6 countries. Mixta Africa has identified a new market, Ethiopia to enter in a short term. Other countries such as Kenya, Ghana, Rwanda, and Zimbabwe could be tackled in a second phase in order to continue expansion and the delivery of Mixta’s Africa vision.

Shelter Afrique

Shelter Afrique is the only pan-African finance institution that exclusively supports the development of the housing and real estate sector in Africa. By meeting the needs of the continent’s rapidly growing urban population, our work has a direct and positive impact on the lives of many. A partnership of 44 African Governments, the African Development Bank (AfDB) and the Africa Reinsurance Company, Shelter Afrique builds strategic partnerships and offers a host of products and related services to support the efficient delivery of affordable housing and commercial real estate. These include project finance, institutional lending, equity investments & joint ventures, trade finance, and social housing. We also offer practical advice and technical assistance to a wide range of industry stakeholders.

American Home Builders of West Africa AUHF

American Home Builders of West Africa AUHF is a different kind of homebuilder that prioritizes quality construction and exceptional service for their clients in West Africa region. For American Home Builders of West Africa, architecture isn’t only about shelter and a very simple enclosure. It should be able to excite you, to calm you, to make you think. Wherever you are – Africa, United States, Europe, or anywhere in the world – AUHF team is ready to help.

Affordable Housing Institute

AHI is an impact consultancy that specializes in affordable housing policy, finance, and development around the world. We work with pro-poor innovators to address systemic obstacles to affordable housing. Our clients include key actors in housing, such as governments, lenders, developers, development finance institutions, philanthropies, and community organizations. We contribute expert advice, capital, and research to global housing issues. Headquartered in Boston, MA, with offices in Paris and Rabat, AHI has a project portfolio and associate network spanning over 50 countries worldwide.

Ogun State Property & Investment Corporation (OPIC)

Ogun State Property & Investment Corporation (OPIC) is a statutory corporation with a focus on the development of residential, commercial and industrial real estate hubs and new cities in Nigeria. OPIC was established by Edict 10 of 1984 laws of Ogun State, Nigeria and by its mandate, it is empowered to create new towns and cities across Ogun state and beyond. Our development pipeline of finished and upcoming developments vary across locations and are designed to meet international standards. As a result of our expertise and robust balance sheet, we have built a diverse portfolio of urban developments in both the residential and commercial sectors in Lagos and Ogun states. Our services includes Development of Residential Communities, Development of Commercial and Industrial Hubs, Development of Commercial Property Assets, Mortgage Advisory/Developer Loans, Real Estate Brokerage Services, Letting and Leasing Services.

Dangote Cement

Dangote Cement Plc is a Nigerian multinational publicly traded cement manufacturer headquartered in Lagos. The company is engaged in the manufacture, preparation, import, packaging, and distribution of cement and related products in Nigeria and has plants or import terminals in 9 other African countries. Dangote Cement Plc was formerly known as Obajana Cement Plc and changed its name to Dangote Cement Plc in July 2010. Obajana Cement Plc was incorporated in 1992. Dangote Cement Plc is a subsidiary of Dangote Industries Limited and is the largest company traded on the Nigerian Stock Exchange. Dangote Cement listed on the Nigerian Stock Exchange in October 2010 and as at August 13, 2014 accounts for 20% of the total market capitalization of the Nigerian Stock Exchange. Aliko Dangote has invested US$6.5 billion into the company between 2007 and 2012. Cement accounted for roughly 80 percent of Dangote Group’s business as of 2011.


As a market leader, Nigerite offers total roofing, ceiling, walling, cladding, flooring and Integrated Building Solutions. We are the only Nigerian building manufacturing company that offers full complementary installation and maintenance services. For our company, at over fifty-nine years, we are on the upswing and we continuously improve our product offerings and building component solutions by providing world-class building materials and by ensuring best-practices in products and service deliveries to our consumers, leveraging on our leadership position and our continuous Research and Development activities around the world.

Infinity Trust Mortgage Bank

For over a decade, the registered trademark – Infinity Homes – has remained a true reflection of unalloyed commitment towards providing Nigerians with endless opportunities through affordable home ownership. Infinity Trust Mortgage Bank offers different types of mortgage products with flexible terms. These products, which are specially designed to meet the need of their customers have greatly led to the provision of affordable homes to many.

Copen Group

Copen Services Limited is a well – articulated and organised firm with diversified interests in Real Estate, Construction, Services and Consultancy. Copen Services Limited is the fruit of the desire of a number of young, honest, knowledgeable and experienced professionals, with over 20 years cognate, post – graduation / practical experience in public and private service, to pool together their resources for the service of humanity. It was incorporated in January 1992, and started full operations in July 1995. From the modest beginning as a small outfit Copen Services Limited has grown in these few years into a large Real Estate Development and multi disciplinary company. The company currently has management and senior staff strength of 20. Available to us also, is the full complement of equipment needed to perform any Building or Engineering construction work. This has positioned the company to undertake projects of diverse nature and complexity.

AFP Furniture (Julius Berger)

AFP, the furniture production facility of Julius Berger, offers a full line of high quality furniture made in Nigeria, utilizing modern techniques and processes. Whether for a large turnkey project or a personal living space, AFP delivers customized interior design solutions for even the most challenging requirements. Julius Berger Nigeria Plc (Julius Berger) is a leading construction company offering integrated solutions and related services. Julius Berger specializes in executing complex works that require the highest level of technical expertise and Nigeria-specific knowhow.

Wiser Estate
Incorporated with CAC in 2012, RC No 1066049, Wiser Estates and Investments Ltd. is one of the fastest growing and market movers in Nigeria’s estates development industry. We are developers of WISER ESTATES, an acronym that symbolizes the corporate nomenclature. Our primary aim is to provide Affordable Luxury Homes to our numerous valued and esteemed clients in Nigeria and the diaspora by acquiring suitable lands, designing and building aesthetic and functional houses. Our credo is “VEL PRIMUS, VEL COMPRIMUS”- Be the best or always be with the best is a testimony of our products and services and quest/thirst to maintain and sustain international best practices and standards in the industry. Thus, we attach high premium to building laws, rules and regulations, specification and details. Our professional TEAM resilience and commitment to work, assures our client of the three (3) estate Construction Rights.

IFC Edge Building

An innovation of IFC, a member of the World Bank Group, EDGE makes it faster, easier and more affordable than ever before to build and brand green. EDGE reveals the systems and solutions that work best for your climate, bringing international cachet to your certified project without losing the local context. Meet the growing expectations of your customers by creating value and positively impacting their lives, resulting in greater profitability and a healthier environment for all. Through bringing together those who design, develop, finance, incentivize, and live and work in green buildings, EDGE unlocks collaboration and provides a new paradigm for the future. Together we can create green buildings for a smarter world.

The Nigeria Mortgage Refinance Company (NMRC)

The Nigeria Mortgage Refinance Company (NMRC) is a private sector-driven mortgage refinancing company with the public purpose of promoting home ownership for Nigerians while deepening the primary and secondary mortgage markets. Its vision is to be the dominant housing partner in Nigeria, with a mission to break down barriers to home ownership by providing liquidity, affordability, accessibility and stability to the housing market in Nigeria. NMRC raises long term funds from the capital market, to enhance access to affordable housing finance in Nigeria. NMRC was incorporated on 24th June 2013 and obtained its final operating license from the Central Bank of Nigeria on 18th February 2015. In July 2015, NMRC successfully issued a 15-year N8 billion Series 1 Bond under its N140 billion medium term Note Programme, backed by an unconditional Federal Government of Nigeria guarantee. This is being deployed to the refinancing of the mortgage portfolio of member Primary Mortgage Banks (PMBs).

Federal Mortgage Bank of Nigeria FMBN

Operating a viable, robust and dynamic secondary mortgage institution able to meet the challenges of developing the nation’s mortgage industry and to supply the mortgage markets with sustainable liquidity for the advancement of home ownership among Nigerians anchored on mortgage financing. As spelt out in our ENABLING ACT and other related legislations, FMBN functions include to: Provide long-term credit facilities to mortgage institutions in Nigeria. Encourage the emergence and promote the growth of viable primary and secondary mortgage institutions to service the need of housing delivery in all parts of Nigeria. Mobilizing both domestic and offshore funds into the housing sector. Link the capital market with the housing industry. Establish and operate a viable secondary mortgage market. Collect and administer the National Housing Fund in accordance with the provisions of the NHF Act. Do anything and enter into any transaction which in the opinion of the Board is necessary to ensure the proper performance of its functions under the FMBN Act.

Niger State Housing Corporation

The corporation was established by an Edicts of Niger State in 1979, the Edict is known as No. 5 of 1979 and was amended in 1989. Section 6 of the Edict provides that the Corporation shall increase the housing stock in the State so far as its resources permit for the use or acquisition by the general republic. The Corporation’s Vision is “to make the housing sector one of the top contributors to the growth of Niger State economy”. The Mission is “to provide decent and affordable houses to the generality of Nigerlites”. The Corporation’s objective is to increase housing stock in the State through Government funding and/or partnership with person’s/organization. Unless the mortgage or charge is in favor of the Corporation; m) Establish a saving scheme for the purpose of utilizing the funds for granting long term loans to the general public for the purchase and construction of house; n) Manage and control the Niger State Government Staff Housing loan scheme. The corporation shall in any case, before exercising the powers referred to in paragraph (g) of sub-section 1, obtain the approval of the Governor.

Big homes

Big Homes Ltd is one of the fastest growing real estate in Abuja, Nigeria. The Big Homes brand is poised to reinvent the real estate market through its affordable, luxury mini estates. Big Homes is focused on business priorities; affordability, exclusivity, luxury, flexibility and quick delivery. These priorities helps us achieve our vision of attaining sustainable growth, value creation and customer satisfaction. Our core focus is customer satisfaction, in attaining this, all Big Homes projects are imbedded with the following features; Timely Delivery within 6 to 12 months. Flexible payment plan, Requisite infrastructure

Norton Industries Limited

Offering a diverse portfolio of finely crafted wood ceiling and wall designs, Norton joins CertainTeed’s architectural specialty ceilings portfolio along with Decoustics and Hunter Douglas Ceilings & Walls. Norton Industries manufacturer of architectural ceiling products. We pride ourselves as being the oldest leading manufacturer of commercial architectural wood ceiling and wood wall systems in the USA. We started out in 1967 and continue to lead the industry today. Fresh ideas and innovations, such as our patented Twist Clip (US Patent #8,549,810), have always been a part of the Norton Industries philosophy. Our unparalleled staff of dedicated architects, project managers and ceiling engineers seamlessly manage the complex details of every project to ensure the most efficient and smooth installation, from the project’s inception to its completion.

First Generation Mortgage Bank [FGMB]

First Generation Mortgage Bank [FGMB] Limited is a Primary Mortgage Institution incorporated by the Corporate Affairs Commission in 1992 (No. 207155) and licensed by the Central Bank of Nigeria in 1989 to carry out mortgage banking in Nigeria. It originally existed as Perennial Savings and Loans Ltd and was changed to First Generation Homes (Savings and Loans) Ltd. in 2004. The name of the Bank was further changed to First Generation Mortgage Bank Ltd in 2012 in line with changing trends.

Efab Properties Limited

Efab Properties Limited is a foremost Estate Developer with its base in Abuja and have extended services to various states within the country, e.g Delta State and Anambra State to mention a few. Our focus is promoting “A family, A roof” over the thirty six (36) states of the country. Paramount in our mind at Efab is an intense desire to reach out with the totality of our know-how in real estate and solve the housing needs of all classes of Nigerians in a responsible manner, befitting a responsible entity.

Asset Management Corporation of Nigeria

Asset Management Corporation of Nigeria (AMCON) is a body established by the Act of the National Assembly of Nigeria in July 2010 with an intended 10 years lifespan. The concept is in consonance with the operation of the National Asset Management Agency of the Republic of Ireland and Malaysia Pengurusan Danaharta. The body acted as the buyer of banks for the Nigerian Government by acquiring the non-performing loans (NPL). The original book value of the acquired NPLs was ₦4.02trillion at a price of ₦1.76trillion with a commensurate issue of Zero Bond for the NPL acquired.

Solartime Electric Limited

Solartime Electric Limited is a Nigerian engineering company in the business of design, installation and maintenance of renewable electric energy systems. We are the Nigerian Dealer/Authorised Service Centre for Schneider Electric (Renewables) France, a world leader in the manufacture of domestic and medium range inverters and power electronics systems and also the Dealer and Authorized Service Centre in West Africa for XZERES Wind Corp (XZERES) Oregon USA (www.xzeres.com), a world leaders in the small & medium wind industry.

Realty Point Limited

Realty Point Limited (RC 621592) is a dynamic multifaceted Pan-African real estate going concern primarily involved on the supply side of the industry with strong presence in REAL ESTATE Development, Investment, Publishing, Training / Consultancy and Marketing Syndications.


ONDUVILLA is a unique roofing solution with a very aesthetic traditional clay tiles look. Perfectly waterproof, this system requires no additional protection underlay. ONDUVILLA is light and easy to install. It provides a very elegant appearance to all types of roofs. Onduvilla tile is eco- friendly as it is made from recycled materials. It forms a desirable, durable and lightweight roof covering that can be laid on a roof decking or close boarding.

By Ojonugwa Felix Ugboja

Trademore Restates Commitment to Real Estate in Abia, Debunks Land Grab Accusations

Estate development giant, Trademore International Limited and Chairman, Engr. (Dr) Emmanuel Mbaka have refuted purported claims by a former commissioner in Abia state, Eze Chikamnayo, suggesting that over 10, 000 plots of land were illicitly transferred them.

In a statement issued on Thursday, the company regards the open letter by Eze Chikamnayo as a spurious attempt to taint the company and its chairman’s image.

The statement read: ‘’We wish to clarify that as a business man with proven competence and corporate integrity, Engr. Dr Mbaka and Trademore International Limited do not and will not be associated with controversies that will taint our hard earned image over the years.

‘’We have consistently contributed to the economic advancement of our beloved country through multiple investments in many Nigerian cities including Abuja, and our chairman has led several business and corporate organisations.

‘’After great successes in many parts of Nigeria, we thought it was time to reward the love of our people by extending businesses and opportunities that will better the lives of the people of Abia through employment and entrepreneurships.

‘’Contrary to any claim or suggestion of land grabbing, all we have done is change the narrative about our people and reclaim our spot as an economically viable state. We are not a party to any shady deal whatsoever and have only conducted legitimate businesses and transactions both in Abia and everywhere else.’’

According to the statement, the land hosting the Umuahia event centre was neither grabbed nor forcefully taken away from anybody. The statement read that the land was legally acquired by the then Governor of Abia state, Chief T A Orji in accordance with the provisions of land use Act, with verifiable evidences.

‘’We must join hands to develop and move Abia state forward and stop castigating the character and integrity of Abians who have selflessly sacrificed their resources and time to make Abia a great state.

‘’Our investments in the state haven’t even yielded any benefits yet, and sometimes we take it to be a form of corporate social responsibility. Our ultimate dream is to be part of the Abia state that will attract more investments and business opportunities.

‘’We categorically distance ourselves from any brewing controversy and wish to highlight our image as a business with proven competence and integrity – the pillar upon which our success stories have been reliant on.’’

The statement berated the writer for not doing a thorough background check before embarking on what was referred to as a desperate attempt to smear and blackmail innocent people.

How can Housing Professionals get the Most out of Social Media?

“I learned a valuable lesson very early on – it’s best not to tweet angry or drunk!”

Former Chartered Institute for Housing (CIH) president Alison Inman’s advice will resonate with anyone who has ever developed a Twitter habit. Despite its flaws, many housing professionals now see the social media platform as a vital tool. However, Ms Inman says the Tweets that have the most impact are the more personal ones or those that are part of a campaign.

She says: “I think a lot of the domestic abuse work would not have been anywhere near as impactful without the conversations through Twitter. I will write something on domestic abuse and I will get direct message after message after message from people saying, ‘This is what happened to me.’

“I lost my mum a couple of months ago. It was a horrible time, but the kindness of strangers on Twitter and the messages I received made me think, ‘Gosh, this is important.’”

The fact that Twitter mixes the deeply personal and the professional is one of its most compelling traits.

Inside Housing has spoken to some of the most prominent housing voices on Twitter to ask them to share how the platform has helped them.

Paul Taylor, innovation coach at Bromford housing association’s Bromford Lab, says that housing professionals should see Twitter as a listening tool to help them understand issues in the sector.

He says: “I follow thousands of accounts, many organised into lists, so I can get a sense of what’s going on in innovation, technology, health, housing and the social sector generally. Organisations risk becoming more siloed. While digital connects us in ways never before possible, whole sectors are still just talking to themselves. This sense of disconnection is being made ever more visible – to the public, to patients, to tenants of social housing.”

Housing campaigner Rob Gershon joined Twitter in June 2010. While the medium often mixes users’ personal and professional lives, he suggests it is advisable to hold back a little when online.


“Quite often, tweeting feels like a way of disguising corporate communications as something more personal,” he says. “Everyone says ‘be yourself’ or ‘be authentic’ or whatever, but a lot of the time, this would likely just get people into trouble with their employers.”

Deciding how and when to write a personal Tweet or how to structure a campaign to gain interest in an issue can also be a challenge.

“This sense of disconnection is being made ever more visible – to the public, to patients, to tenants of social housing”

Tom Murtha, co-founder of Shout [Social Housing under Threat] and board member of Nehemiah Housing, joined Twitter in October 2012 in part to halt ‘the demonisation’ of social housing. He says: “During my early days, I got into some fairly acrimonious debates about the future of social housing and whether some associations had lost their social purpose. I tend not to do that now. I would say Twitter is not an ideal platform for debate and people should try not to be aggressive in any way. I never swear on any social media.”

Mr Murtha formed Shout in 2014 with Ms Inman and housing consultant Colin Wiles. The campaign has been a success, partly because of its social media impact. He says Twitter allows “a small group of people [to] influence so many”.

“I believe Shout owes its success to Twitter,” he adds. “When Shout was established, no housing leader was making the case for government investment in social rent homes. In fact, very few were mentioning social housing at all. Now all housing leaders are making the case.”

Twitter can connect people who would otherwise probably never interact. This, says Mr Murtha, is a key tool that those starting off in housing can use.

He adds: “It [Twitter] provides a non-hierarchical platform where people of all levels can share ideas and debate. We need more executives and non-executives on Twitter.”

He says he tries to follow “all types”, even those who are critical of HAs.

“The problem with Twitter is that unless you do this, you only talk to those who agree with you and reinforce your ideas. We need to get outside the bubble and be challenged, even if it is uncomfortable.”

To some, the most disconcerting aspect of Twitter is how open it can be – how a throwaway post can take off online. So if your Tweet does go viral, what then?

Hannah Thornton, communications and toolkit officer at South Yorkshire Housing Association, joined Twitter in October 2016. In February last year, she posted a Tweet recounting her experience of two men who had met for the first time and had struck up a friendship on the train on which she was travelling.

Ms Thornton wrote a note to the two passengers and tweeted the reply she received from one of them (below). It was an instant hit, attracting more than 39,000 likes, 7,100 retweets and 600 comments.

She says: “It was incredibly humbling to see this huge community of people and stories and experiences brought together in a way they might not have done otherwise. It really brought home the power that social media has in spreading a positive message and how society is crying out for more of that.”

The Tweet’s response led to global media coverage and an invitation to speak on stage at a Ted Talk. However, it also drew criticism that the post was “manufactured”.

She adds: “In terms of nasty stuff, I think I probably got off really lightly. There was the odd comment, of course, such as, ‘These stories are always manufactured by people who work in comms’, and, ‘Why did she take a photo of the letter?’

“I reminded myself that my original intention had never been to patronise or offend or raise my own profile – it was just about sharing an amazing thing that I was lucky enough to experience, in the hope that it would spread the joy and inspire more people to talk to others they don’t know. Knowing and owning your truth when people start attacking is a helpful way of not going down a spiral of darkness.”

According to Ms Inman, those overseeing a provider’s official Twitter account may also benefit from taking a step back on occasions.

She adds: “I always say to people who are working at housing associations that think they can control what tenants say about them on Twitter, ‘They’re saying that about you anyway – you may as well know about it.’

“Quite a lot of my Twitter activity, for housing stuff, wider welfare reform stuff, is actually done in direct messages – whether that is plotting or sometimes just pointing individuals in the right direction for help”

“[Housing associations] contacting people, asking them to take stuff down, is a bit oversensitive. Social media is like a free consultancy: it’s a free insight and then it’s about using your judgement about what to do about it. You can’t agree with people all the time.”

Mr Gershon says a useful communication tool that can often go unnoticed is Twitter’s direct messaging (DM) feature: “Quite a lot of my Twitter activity, for housing stuff, wider welfare reform stuff, is actually done in direct messages – whether that is plotting or sometimes just pointing individuals in the right direction for help.

“Sometimes, it is boring old ‘networking’ – putting people working on or with experience in various areas in touch with each other. Sometimes, though, my DM conversations are a kind of support system – for me and others.”

Twitter isn’t just for those who are starting out in their housing careers – it can also be an effective tool for senior professionals to reconnect with an audience Mr Murtha, who saw one of his own Tweets (below) garner 5,226 likes and 1,495 retweets, thinks Twitter has helped to redefine him within professional circles.

My eldest brother was born in 1947. He was breeched. There was no medical support and Mam and Dad lived in a cold damp slum. He died at birth. I was born in 1952. I was also breeched. I survived. The NHS and a warm safe council house saved me. I owe my life to the welfare state.

“Many of my Tweets are about my family and my early career. I also have a hashtag, #MurthasMenu, which began as a joke but is now quite popular and has a number of followers. I guess people now see me as more than an ageing ex-chief executive because of this,” he says.

For all the addictiveness of Twitter, it is important to keep things in perspective and not allow the social media platform to dominate.

Oliver Harling, Inside Housing’s guest editor for this week and site supervisor at Liberty Group, says: “Be brave, be passionate, ask questions and get involved with what’s going on in the sector today.”

Oliver Harling promoted his trip to the Inside Housing offices on Twitter

Ms Thornton adds: “The train Tweet went from about 3,000 likes to 17,000 likes on the Saturday night after I’d shared it, but I never checked during that time because I was at a Caribbean fancy dress party wearing a giant pina colada costume.

“Balance is everything!”

Source: Insidehousing

finance conference

13TH AIHS International Housing Finance Conference

DAY 1 

Session 1 (Socio-Economy): Distilling the Opportunities and Challenges of global risk and uncertainty to Nigeria’s Housing and finance markets 

  • A review of the Global Housing Market – Ibrahim Suleiman, SME Housing, PwC 
  • Reviewing the 2019 Political landscape and Its Impact on Housing – Ugochukwu Chime 
  • Sustainable Development of the Nigerian housing Market: Prospects for Private Equity & Debt Capital Companies  Sonnie Ayere 
  • Residential Real Estate Outlook Cause for Optimism? – Tayo OdunsiCEO Northcourt 
  • Alternative Sources of Funding: Innovative structures for Diaspora housing delivery – Robert Hornsby, Co-Founder, American Homebuilders of West Africa 

DAY 2 

Session 2 (Financial Trends): Innovating and mitigating against risk and uncertainty in Housing finance   

  • Today’s Nigerian Mortgage Market: Lending Conditions and the Regulatory Environment – Agnes Tokunbo Martins 
  • Mortgage Refinancing and Affordability: Scaling up the reach – Kehinde Ogundimu 
  • Building a Global framework for foreign investments into Nigerian housing market – Andrew Chimphondah 
  • Democratizing Mortgage Finance – Niyi Akinlusi 
  • Foreign Capital for Housing Finance in Emerging Economies: The Ghana Home Loans Story – Dominic Adu 
  • Residential real estate valuation: A critical input element for guarding against systemic risk – Rowland Abonta 

DAY 3 

Session 3 (Innovation): Property Technology – NIGERIA PROPTECH 


  • Everything PropTech: Could this be the new path?  – Roland Igbinoba 
  • Innovations at Federal Mortgage Bank of Nigeria – Ahmed Dangiwa  
  • Investing in Green Technology: Building Solutions for Escalating operating costs in housing developments – GM, Urban Shelter Ltd. 
  • Big Data and Analytics – A critical tool to improving residential real estate markets. Kecia Rust  
  • Closing the gap in affordable housing production: Increased efficiency and cost – Lew Schulman 
  • The Landscape of PropTech in Nigeria – Panel Session (A selection of 6 innovative Nigerian PropTech companies involved in housing) 
  • Cosgrove 
  • Coreum 
  • GatePass 
  • EstateIntel 
  • Fibre 
  • Cobuildit 

The list above can be swapped by you (CEO, AIHS) at any time – depending on the need to bring in some people of your choice  


Session 4 (Sustainability): Green Mortgage and Housing innovations in the era of risk and uncertainty   

  • Innovations in Residential Housing Development – Adapting to the Changing Market Demand (Case studies from Family Homes Fund) – Femi Adewole 
  • Sustainable Infrastructure financing for housing in Nigeria – Sa’adiya Aliyu Aminu 
  • Attractive Investment Climate for housing development: Guidelines from Nigerian Investment Promotion Commission – Ms. Yewande Sadiku 
  • The feasibility and performance of green energy buildings/technologyImproving energy use and the construction industry – IFC / IFC EDGE Consultants 

Session 5 (Social Policy): Addressing Housing demand in the face of growing Joblessness and income inequality 

  • Panel Session – Housing the Poor
  • Mr. Sam Odia 
  • Harmony Kunu 
  • Emmanuel Nelson 
  • Mrs. Medinah 
  • Mortgage Consumer Education as a tool to mitigating credit risk occurrence  
  • Innovations of subsidies and housing finance models for the low and medium income category – Olivia Cadwell  
  • Dealing with unplanned settlements and slum growth in our major cities – Banjo Obaleye 

Session 6 – Panel Session: Advocacy – Which way forward Nigeria? 

  • Should government create possible subsidies for the growth of home ownership? If so, how should it be done? 
  • What are the implications of not enforcing guidelines and standards for operations in the real estate industry? Is this a priority as we speak? If so, how do we solve the problem? 
  • Can tenancy rights be termed ‘fair’ in Nigeria in relation to government demolitions and actions?  
  • Should local, state and federal government authorize greater portions of local revenues for housing assistance? How will this affect other sectors?  
  • How can we create a “Housing first” model to be effectively implemented by both the government and the private sector?   
  • What role(s) should government play in advocacy for adequate housing assistance and practical federal schemes?  
  • How can responsibility be allocated amongst government and regulatory institutions for ensuring availability of affordable housing? Is the current structure efficient enough? 
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