Housing Finance Consultant - Research & Systematic Barriers at Habitat for Humanity International

Key Responsibilities

Perform a holistic assessment of the housing finance market. This includes:

• All the market players (government and non-governmental agencies, financial service providers and non-financial providers that play a bridging role in access to housing finance)
• Current housing finance products available catering to various customer segments (stand-alone products, tagged along products and undefined housing products),
• Current and future financial needs for other housing finance value chain actors (Micro Small and Medium Enterprises (MSMEs) and developers)
• Unpack the demand and supply side housing finance needs, challenges and opportunities as well as assessing the support functions available to promote affordable housing finance;
• Review existing regulations, policies and laws that support and hinder housing finance;
• Give recommendations on opportunities to address the housing finance barriers in specific sectors that will bring impact to the market in the short, medium and long term;
• Identify potential investment opportunities in housing finance that will help the supply side in accessing and providing capital/investments in housing finance initiatives within the supply chain.
• Prepare an inception report detailing on how the company is planning to undergo the research. This should include deliverables, methodology and work plan
• Proposed structure for the supply and demand side assessment
• Detailed work plan and proposed methodology (sample design and market survey instruments), to respond to the objectives of the research
• Provide financial resources for the research
• Provide office space (if needed)
• Through its partners, provide support to ensure the research is done appropriately and the right players/stakeholders are available

Scope of the Consultancy

Duration of the assignment - 3 months.

The Selected Company/consultant Must Undertake The Following Activities

• Market Analysis
• Identification of Systemic Barriers
• Provide detailed recommendations
• Research Dissemination

Market Analysis Report:

• Supply-side assessment: all the financial and non-financial service provides in the market that offer housing finance solutions to the public and housing value chain actors (SME’s), detailing available products/solutions related to housing finance in the market, and possible indications of accessibility requirements (KYC/due diligence) and cost structures
• Demand-side assessment: providing detailed insights on the current behaviours, uptake, usage and beneficiary needs of housing finance products/solutions as well as challenges, barriers and opportunities
• Regulatory and policy assessment: clearly identifying gaps in the regulatory landscape towards provisioning of affordable and appropriate housing finance products/solutions in the market
• Market assessment: providing investment/financing landscape and needs for the housing value chain actors (SME’s) including the current investment models/approaches
• Draft report (2 weeks after delivery of market analysis report)
• A draft report detailing the systemic barriers identified and recommendations on how to address them to bring the impact anticipated.
• Final report (2 weeks after receiving comments on the draft report)
• Final report on findings and recommendations taking into account all the comments that would have been shared in the Draft report

Key Requirements

• Clear demonstration of multistakeholder engagement
• Demonstration and understating of the Technical Vocation landscape and operation in Uganda
• Understanding of the housing sector is an added advantage
• Good communication and interpersonal skills
• Fluency in English and a common local language spoken in rural Uganda
• Outstanding written and verbal English communication skills – in particular ability to write clearly, succinctly and engagingly reports
• Facilitation skills, being able to articulate the participation of diverse stakeholders in the skills upskilling sector in a meaningful way.
• Excellent computer and information and communication technology skills
• Ability and aspiration to learn fast, be effective in a team and autonomously, and be challenged. Must be willing to travel to project locations around the country of operations and regionally