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Het zesde nummer in de OASeS-reeks 'Focus op Wonen' kijkt vol verwondering naar een vermeend nieuw accent in het woonbeleid van de Vlaamse regering: intergemeentelijk samenwerken. Het sociaal woonbeleid in België is van oudsher altijd intergemeentelijk aangepakt. Meer zelfs, tot kort werd de interlokale strategie in die mate herhaaldelijk herbevestigd, geconcretiseerd en zelfs uitgebreid dat een aantal gemeenten ook participeren aan grensoverschrijdende, Europese samenwerkingsprojecten. In dit boek wordt deze vreemde ontwikkeling geëvalueerd naar steeds meer complexiteit en minder coördinatie, uitgerekend nu Vlaanderen een interne staatshervorming uitdoktert en opteert voor 'homogene sleuteltaken met per beleidssector slechts twee bestuursniveaus'. Verder wordt de gang van zaken ook vanuit de vraag naar de reële woonbehoeften in Vlaanderen en naar de echte prioriteiten van het Vlaamse woonbeleid gekaderd.

Sociology of environment --- Social policy --- Flanders --- Public housing --- Belgium --- Flanders (Belgium) --- Antwerp (Belgium) --- Municipal government --- Collaboration --- Wonen --- Bouwen --- Stedenbouw --- Teamwerk --- Ruimtelijke ordening --- Beleid --- Antwerpen --- Vlaanderen --- Analyse --- Evaluatie --- Emigratie --- Antwerpen (provincie) --- Public administration --- housing [concept] --- low income housing

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Si j'ai voulu réunir les quatre récits qui suivent, c'est parce qu'ils donnent à voir, à entendre et comprendre des espaces et mondes de l'ailleurs, au coeur même de Paris et de sa région, découvertes et réflexions dans le même élan d'une écriture personnelle, chercheuse, fouineuse même, et empathique, qui décrivent les interstices de la très grande ville, ses espaces cachés, où certaines manières de survivre prennent place et prennent corps dans des temporalités suspendues. Ce sont quatre carnets d'enquête sur une réalité souvent inconnue, stigmatisée, mais bien présente à Paris et ses alentours, bientôt " Grand Paris ". Mêlant la rencontre des lieux et des personnes, retranscrivant les dialogues et les impressions des auteures, ces récits bâtissent petit à petit une compréhension de ce que sont aujourd'hui les refuges dont Paris est le lieu, le square Villemin du Xe arrondissement où s'exilent les Afghans, les trottoirs et les rues des villes de la région parisienne où s'installent les personnes sans abri, des cabanes construites entre les bretelles d'autoroute et le boulevard périphérique, des squats africains. C'est dans ses interstices qu'aujourd'hui la grande ville est un refuge pour les étrangers globaux. Et c'est aussi par la reconnaissance de cette fonction de ville-refuge que Paris deviendra ville-monde.

Squatters --- Low-income housing --- Urban poor --- Refugees --- Squat --- Pauvres --- Pauvres en milieu urbain --- Réfugiés --- Logement --- #SBIB:39A6 --- Etniciteit / Migratiebeleid en -problemen --- Réfugiés --- Occupancy (Law) --- Public lands --- Squatter settlements --- Displaced persons --- Persons --- Aliens --- Deportees --- Exiles --- Housing --- Social conditions --- Paris (France) --- Social conditions. --- Sans-abri --- Immigrés --- France --- 1990-.... --- Enquêtes

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The growth of urban areas and population in middle and low income countries is a continuing trend. Urbanization expands as rural to urban migration offers better income opportunities in cities. This trend is both a source of development opportunities and challenges for the housing sector. On the one hand, housing is a large and growing market, and on the other, massive slums confirm the poor housing conditions in many developing countries. These adverse conditions mirror inadequate housing policies, inefficient or absent property registration, as well as limits to access to housing finance. Provision of affordable housing is therefore an important topic in the fight against poverty. This book focuses on solutions that improve the enabling environment for the poor in accessing housing finance. It explores how to develop and integrate housing finance into a sustainable financial system for developing countries and offers ways in which low-income families can obtain better access to housing finance. This book provides a conceptual framework for housing finance development and addresses practical solutions in the provision of housing finance and compares different approaches. The global financial crisis which originated in the US sub-prime housing market has not altered the underlying reality of global housing finance: the majority of people in developing countries still do not have access to formal housing finance. Nor has it answered the biggest question: how can they be served in a sustainable way? Connecting this unserved group to appropriate housing finance products through robust financial systems must remain a top policy priority if these nations are to enjoy long term, broad-based economic growth. It is also a great opportunity for new and existing housing finance providers. DAVID PORTEOUS, Director, Bankable Frontier Associates Where property in the form of private homes is secure, people can focus on work rather than protecting their property. One of the major effects of the property rights reform driven by Hernando de Soto in Peru put more children into school. Why? Adults spent less time safeguarding their property and could search for and find better jobs. This enabled them to send their children to school. Houses are also important for those who start up businesses. The most practical source of finance beyond help from family and friends tends to be a mortgage on property. For a mortgage market to develop, banks have to be able to foreclose on property of those who cannot pay back. The obvious attractions of housing policy as a plank of social policy can also lead to policies that backfire, as the recent example of the United States shows. Housing finance is a major component of the fight against poverty. For property to yield all its benefits, institutional reforms are required – chief among them secure property rights for owners and enforceable creditor rights for financiers. Sensible regulations for zoning and construction also help. However, political pressure on banks to ignore the credit risk of home ownership or to cease foreclosures when things go wrong risks undermining sustainable housing finance. MICHAEL KLEIN, Consultant, Former Chief Economist International Finance Corporation (IFC).

Housing -- Developing countries -- Finance. --- Housing policy -- Developing countries. --- Housing --- Low-income housing --- Poor --- Business & Economics --- Economic Theory --- Real Estate, Housing & Land Use --- Finance --- Finance. --- Home finance --- Housing finance --- Macroeconomics. --- Development economics. --- Economics. --- Development Economics. --- Finance, general. --- Macroeconomics/Monetary Economics//Financial Economics. --- Economics --- Funding --- Funds --- Currency question --- Economic development

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Lifetime attitudes to housing have changed, with new population dynamics driving the market and a greater emphasis on consumption. This important contribution to the literature argues that how we think about households and their housing needs to be recast to acknowledge this changed environment and provide a more powerful conceptual framework.

Public housing. --- Housing policy. --- Home ownership --- Public housing --- Housing policy --- Government policy. --- Government policy --- United States. --- Great Britain. --- Australia. --- Ownership of homes --- Housing --- Real estate business --- House buying --- Housing and state --- State and housing --- City planning --- Social policy --- Government housing projects --- Social housing --- Low-income housing --- Ahitereiria --- Aostralia --- Ástralía --- ʻAukekulelia --- Austraalia --- Austraalia Ühendus --- Australian Government --- Australie --- Australien --- Australiese Gemenebes --- Aŭstralii︠a︡ --- Australija --- Austrālijas Savienība --- Australijos Sandrauga --- Aŭstralio --- Australské společenství --- Ausztrál Államszövetség --- Ausztrália --- Avstralii︠a︡ --- Avstraliĭski sŭi︠u︡z --- Avstraliĭskiĭ Soi︠u︡z --- Avstraliĭskii︠a︡t sŭi︠u︡z --- Avstralija --- Awstralia --- Awstralja --- Awstralya --- Aystralia --- Commonwealth of Australia --- Cymanwlad Awstralia --- Državna zaednica Avstralija --- Government of Australia --- Ḳehiliyat Osṭralyah --- Koinopoliteia tēs Aystralias --- Komanwel Australia --- Komonveltot na Avstralija --- Komonwelt sa Awstralya --- Komunaĵo de Aŭstralio --- Komunejo de Aŭstralio --- Kūmunwālth al-Usturālī --- Mancomunidad de Australia --- Mancomunitat d'Austràlia --- Negara Persemakmuran Australia --- New Holland --- Nova Hollandia --- Osṭralyah --- Ōsutoraria --- Persemakmuran Australia --- Samveldið Ástralía --- Usṭralyah --- Usturāliyā --- Whakaminenga o Ahitereiria --- Κοινοπολιτεία της Αυστραλίας --- Αυστραλία --- Аўстралія --- Австралия --- Австралија --- Австралийски съюз --- Австралийският съюз --- Австралийский Союз --- Комонвелтот на Австралија --- Државна заедница Австралија --- אוסטרליה --- קהיליית אוסטרליה --- أستراليا --- كومنولث الأسترالي --- オーストラリア --- ABŞ --- ABSh --- Ameerika Ühendriigid --- America (Republic) --- Amerika Birlăshmish Shtatlary --- Amerika Birlăşmi Ştatları --- Amerika Birlăşmiş Ştatları --- Amerika ka Kelenyalen Jamanaw --- Amerika Qūrama Shtattary --- Amerika Qŭshma Shtatlari --- Amerika Qushma Shtattary --- Amerika (Republic) --- Amerikai Egyesült Államok --- Amerikanʹ Veĭtʹsėndi︠a︡vks Shtattnė --- Amerikări Pĕrleshu̇llĕ Shtatsem --- Amerikas Forenede Stater --- Amerikayi Miatsʻyal Nahangner --- Ameriketako Estatu Batuak --- Amirika Carékat --- AQSh --- Ar. ha-B. --- Arhab --- Artsot ha-Berit --- Artzois Ha'bris --- Bí-kok --- Ē.P.A. --- EE.UU. --- Egyesült Államok --- ĒPA --- Estados Unidos --- Estados Unidos da América do Norte --- Estados Unidos de América --- Estaos Xuníos --- Estaos Xuníos d'América --- Estatos Unitos --- Estatos Unitos d'America --- Estats Units d'Amèrica --- Ètats-Unis d'Amèrica --- États-Unis d'Amérique --- Fareyniḳṭe Shṭaṭn --- Feriene Steaten --- Feriene Steaten fan Amearika --- Forente stater --- FS --- Hēnomenai Politeiai Amerikēs --- Hēnōmenes Politeies tēs Amerikēs --- Hiwsisayin Amerikayi Miatsʻeal Tērutʻiwnkʻ --- Istadus Unidus --- Jungtinės Amerikos valstybės --- Mei guo --- Mei-kuo --- Meiguo --- Mî-koet --- Miatsʻyal Nahangner --- Miguk --- Na Stàitean Aonaichte --- NSA --- S.U.A. --- SAD --- Saharat ʻAmērikā --- SASht --- Severo-Amerikanskie Shtaty --- Severo-Amerikanskie Soedinennye Shtaty --- Si︠e︡vero-Amerikanskīe Soedinennye Shtaty --- Sjedinjene Američke Države --- Soedinennye Shtaty Ameriki --- Soedinennye Shtaty Severnoĭ Ameriki --- Soedinennye Shtaty Si︠e︡vernoĭ Ameriki --- Spojené obce severoamerické --- Spojené staty americké --- SShA --- Stadoù-Unanet Amerika --- Stáit Aontaithe Mheiriceá --- Stany Zjednoczone --- Stati Uniti --- Stati Uniti d'America --- Stâts Unîts --- Stâts Unîts di Americhe --- Steatyn Unnaneysit --- Steatyn Unnaneysit America --- SUA (Stati Uniti d'America) --- Sŭedineni amerikanski shtati --- Sŭedinenite shtati --- Tetã peteĩ reko Amérikagua --- U.S. --- U.S.A. --- United States of America --- Unol Daleithiau --- Unol Daleithiau America --- Unuiĝintaj Ŝtatoj de Ameriko --- US --- USA --- Usono --- Vaeinigte Staatn --- Vaeinigte Staatn vo Amerika --- Vereinigte Staaten --- Vereinigte Staaten von Amerika --- Verenigde State van Amerika --- Verenigde Staten --- VS --- VSA --- Wááshindoon Bikéyah Ałhidadiidzooígíí --- Wilāyāt al-Muttaḥidah --- Wilāyāt al-Muttaḥidah al-Amirīkīyah --- Wilāyāt al-Muttaḥidah al-Amrīkīyah --- Yhdysvallat --- Yunaeted Stet --- Yunaeted Stet blong Amerika --- ZDA --- Združene države Amerike --- Zʹi︠e︡dnani Derz︠h︡avy Ameryky --- Zjadnośone staty Ameriki --- Zluchanyi︠a︡ Shtaty Ameryki --- Zlucheni Derz︠h︡avy --- ZSA --- Η.Π.Α. --- Ηνωμένες Πολιτείες της Αμερικής --- Америка (Republic) --- Американь Вейтьсэндявкс Штаттнэ --- Америкӑри Пӗрлешӳллӗ Штатсем --- САЩ --- Съединените щати --- Злучаныя Штаты Амерыкі --- ولايات المتحدة --- ولايات المتّحدة الأمريكيّة --- ولايات المتحدة الامريكية --- 미국 --- États-Unis --- É.-U. --- ÉU --- Law and legislation --- Aŭstralii͡ --- Australské společenstv --- Avstralii͡ --- Avstraliĭski sŭi͡uz --- Avstraliĭskiĭ Soi͡uz --- Avstraliĭskii͡at sŭi͡uz --- Kūmunwālth al-Usturāl --- Usturāliy --- Anglia --- Angliyah --- Briṭanyah --- England and Wales --- Förenade kungariket --- Grã-Bretanha --- Grande-Bretagne --- Grossbritannien --- Igirisu --- Iso-Britannia --- Marea Britanie --- Nagy-Britannia --- Prydain Fawr --- Royaume-Uni --- Saharātchaʻānāčhak --- Storbritannien --- United Kingdom --- United Kingdom of Great Britain and Ireland --- United Kingdom of Great Britain and Northern Ireland --- Velikobritanii͡ --- Wielka Brytania --- Yhdistynyt kuningaskunta --- Northern Ireland --- Scotland --- Wales --- AB --- Amerikanʹ Veĭtʹsėndi͡avks Shtattn --- Saharat ʻAmērik --- Si͡evero-Amerikanskīe Soedinennye Shtaty --- Soedinennye Shtaty Si͡evernoĭ Ameriki --- Spojené obce severoamerick --- Spojené staty americk --- Stáit Aontaithe Mheirice --- SUA --- Wááshindoon Bikéyah Ałhidadiidzooígí --- Zʹi͡ednani Derz͡havy Ameryky --- Zluchanyi͡a Shtaty Ameryki --- Zlucheni Derz͡havy