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VOL. 12, ISSUE 10 (2025)
Framework for the effective implementation of the National Housing Fund (NHF) scheme for low-cost housing in South-East Nigeria
Authors
Okongwu Michael Ikechukwu, Okolie Kevin Chuks, Obodoh Dominic Anosike, Uche Innocent Chidebelu
Abstract
This Adequate housing remains a pressing
challenge in developing countries, particularly among low-income earners in
Nigeria. The National Housing Fund (NHF) scheme was established to address this
need, yet its implementation has been hampered by low awareness, bureaucratic
bottlenecks, and weak institutional coordination. This study developed a
framework for the effective implementation of the NHF scheme for low-cost
housing in South-East Nigeria. A mixed-method research design was adopted,
targeting low-income earners (1,365), mortgage institutions (295), and
government agencies/policy makers (265). Using stratified random and purposive
sampling, 409 respondents were selected. Data were collected through structured
questionnaires and semi-structured interviews. Quantitative data were analyzed
using SPSS version 22, while qualitative data were examined through thematic
analysis and framework synthesis. Findings revealed that despite strong
willingness to own homes, affordability and accessibility remain major
barriers. Awareness of the NHF scheme was low, and a majority of respondents
rated it ineffective in delivering affordable housing. To address these gaps, a
multilevel framework was proposed, emphasizing participatory housing need
identification, streamlined financing, flexible repayment structures,
public–private partnerships, and embedded monitoring and evaluation. The study
concludes that effective policy coherence, institutional reform, and sustained
stakeholder engagement are crucial to making the NHF scheme a viable tool for
bridging Nigeria’s housing deficit.
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Pages:17-25
How to cite this article:
Okongwu Michael Ikechukwu, Okolie Kevin Chuks, Obodoh Dominic Anosike, Uche Innocent Chidebelu "Framework for the effective implementation of the National Housing Fund (NHF) scheme for low-cost housing in South-East Nigeria". International Journal of Multidisciplinary Research and Development, Vol 12, Issue 10, 2025, Pages 17-25
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