Housing affordability for public servants in Bauchi State, Nigeria

Housing is a vital part of human expenditure that accomplishes the basic need and a deep impact on the quality of life and the output of man. In spite of the generally known importance of housing and various efforts shown towards making sure that there is affordable housing made available to majorit...

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Main Author:	Zakari, Amamata Larai
Format:	Thesis
Language:	English
Published:	2014
Subjects:	HD1394-1394.5 Real estate management
Online Access:	http://eprints.utm.my/id/eprint/48825/1/AmamataLaraiZakariMFKGHT2014.pdf
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id	my-utm-ep.48825
record_format	uketd_dc
spelling	my-utm-ep.488252020-06-24T03:42:03Z Housing affordability for public servants in Bauchi State, Nigeria 2014-08 Zakari, Amamata Larai HD1394-1394.5 Real estate management Housing is a vital part of human expenditure that accomplishes the basic need and a deep impact on the quality of life and the output of man. In spite of the generally known importance of housing and various efforts shown towards making sure that there is affordable housing made available to majority of the people in Nigeria, a large percentage of public servants in the country still do not have access to decent housing at affordable cost. As a result, most public servants in the county live in housing conditions that constitute disrespect to human dignity and with social and economic implications. Many researchers have being battling with the problems of housing affordability and it was recorded that the concept of affordable housing is mainly based on three concepts such as income, purchase and repayment affordability. This prompted the researcher to identify the level of housing affordability as the first objectives of these findings for public servants in the study area and the second objective was to study the influence of demographic factors on housing affordability among public servant using the federal polytechnic Bauchi staff as a case study. A survey was carried out in the institution using a questionnaire distributed among 250 respondents in the study area of which 200 were returned but only 196 were valid. The Residual Income Method was used to examine the level of housing affordability among public servants in relation to their income/salary while the cross tabulation analysis, Pearson chi square analysis and CRAMER'S V was used to determine the influence of the demographics factors on housing affordability. Due to the observation and information gathered from the study area, the results from the first objective shows that quit a high number of the respondents cannot afford the kind of houses available in the study area due to the low rate of house hold income, while data for the second objective shows that out of all variable tested, the household income, grade level, age and the educational qualification are having a very strong influence on housing affordability in the study area except the Number of children and Years of service that holds a week influence on their ability to own a house among the public servants in Bauchi State Federal Polytechnic Staff. Aside all that, the finance system is not helping matters in terms of mortgage loan and the system of repayment period, so the only option that seems to be an alternative used to address the problem is the personal savings which always take very long term duration. 2014-08 Thesis http://eprints.utm.my/id/eprint/48825/ http://eprints.utm.my/id/eprint/48825/1/AmamataLaraiZakariMFKGHT2014.pdf application/pdf en public http://dms.library.utm.my:8080/vital/access/manager/Repository/vital:83664 masters Universiti Teknologi Malaysia, Faculty of Geoinformatiom and Real Estate Faculty of Geoinformatiom and Real Estate
institution	Universiti Teknologi Malaysia
collection	UTM Institutional Repository
language	English
topic	HD1394-1394.5 Real estate management
spellingShingle	HD1394-1394.5 Real estate management Zakari, Amamata Larai Housing affordability for public servants in Bauchi State, Nigeria
description	Housing is a vital part of human expenditure that accomplishes the basic need and a deep impact on the quality of life and the output of man. In spite of the generally known importance of housing and various efforts shown towards making sure that there is affordable housing made available to majority of the people in Nigeria, a large percentage of public servants in the country still do not have access to decent housing at affordable cost. As a result, most public servants in the county live in housing conditions that constitute disrespect to human dignity and with social and economic implications. Many researchers have being battling with the problems of housing affordability and it was recorded that the concept of affordable housing is mainly based on three concepts such as income, purchase and repayment affordability. This prompted the researcher to identify the level of housing affordability as the first objectives of these findings for public servants in the study area and the second objective was to study the influence of demographic factors on housing affordability among public servant using the federal polytechnic Bauchi staff as a case study. A survey was carried out in the institution using a questionnaire distributed among 250 respondents in the study area of which 200 were returned but only 196 were valid. The Residual Income Method was used to examine the level of housing affordability among public servants in relation to their income/salary while the cross tabulation analysis, Pearson chi square analysis and CRAMER'S V was used to determine the influence of the demographics factors on housing affordability. Due to the observation and information gathered from the study area, the results from the first objective shows that quit a high number of the respondents cannot afford the kind of houses available in the study area due to the low rate of house hold income, while data for the second objective shows that out of all variable tested, the household income, grade level, age and the educational qualification are having a very strong influence on housing affordability in the study area except the Number of children and Years of service that holds a week influence on their ability to own a house among the public servants in Bauchi State Federal Polytechnic Staff. Aside all that, the finance system is not helping matters in terms of mortgage loan and the system of repayment period, so the only option that seems to be an alternative used to address the problem is the personal savings which always take very long term duration.
format	Thesis
qualification_level	Master's degree
author	Zakari, Amamata Larai
author_facet	Zakari, Amamata Larai
author_sort	Zakari, Amamata Larai
title	Housing affordability for public servants in Bauchi State, Nigeria
title_short	Housing affordability for public servants in Bauchi State, Nigeria
title_full	Housing affordability for public servants in Bauchi State, Nigeria
title_fullStr	Housing affordability for public servants in Bauchi State, Nigeria
title_full_unstemmed	Housing affordability for public servants in Bauchi State, Nigeria
title_sort	housing affordability for public servants in bauchi state, nigeria
granting_institution	Universiti Teknologi Malaysia, Faculty of Geoinformatiom and Real Estate
granting_department	Faculty of Geoinformatiom and Real Estate
publishDate	2014
url	http://eprints.utm.my/id/eprint/48825/1/AmamataLaraiZakariMFKGHT2014.pdf
_version_	1747817480853651456

Housing affordability for public servants in Bauchi State, Nigeria

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