|Co-operative Housing: Experiences of Mutual Self-help (Habitat)|
The case studies represent widely differing experiences of co- operative types of organization. The case study from Latin America, the José Isiais Gomez settlement in Nicaragua, demonstrates some of the issues associated with a "top-down" approach and how the co- operative tackled the problems which this led to in organizing self- help building and in allocating houses, gradually taking more control of the construction process.
The Ethiopian case study is an example of direct governmental intervention, with a Ministry providing technical support, land and finance to co-operatives. The result has been relatively rapid construction but there are questions on the sustainability of the financing system and ability to reach lower-income groups.
The example of Cotton Printers Workers Co-operative Society (CPWCS) in Bulawayo, Zimbabwe, demonstrates that a group with a common bond, a shared ideology and good leadership can achieve a great deal even when there is no framework of external support in place. However, this lack of support is causing a shortage of funds for further construction.
The Pagtambayayong Foundation project in Cebu City, in the Philippines shows that informal groups, not registered as co- operatives, can achieve a great deal with good leadership and flexibility in their development without trying to conform to a rigid model. It also demonstrates how income generation and employment creation can be integrated into housing programmes.