International Journal of Social Science & Economic Research
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Title:
Microenterprise as a Tool for Housing Improvement: Evaluating Resident-Led Economic Strategies in Low-Income Informal Settlements

Authors:
Sulemaan Yakub

Journal: International Journal of Social Science and Economic Research (IJSSER)
ISSN: 2455-8834
Volume: 11
Issue: 9
Publication Date: September 2026
DOI: 10.46609/IJSSER.2026.v11i09.013

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Sulemaan Yakub
American school of Bombay

MLA 8
Yakub, Sulemaan. "Microenterprise as a Tool for Housing Improvement: Evaluating Resident-Led Economic Strategies in Low-Income Informal Settlements." Int. j. of Social Science and Economic Research, vol. 11, no. 9, Sept. 2026, pp. 4655-4666, doi.org/10.46609/IJSSER.2026.v11i09.013. Accessed Sept. 2026.
APA 6
Yakub, S. (2026, September). Microenterprise as a Tool for Housing Improvement: Evaluating Resident-Led Economic Strategies in Low-Income Informal Settlements. Int. j. of Social Science and Economic Research, 11(9), 4655-4666. Retrieved from https://doi.org/10.46609/IJSSER.2026.v11i09.013
Chicago
Yakub, Sulemaan. "Microenterprise as a Tool for Housing Improvement: Evaluating Resident-Led Economic Strategies in Low-Income Informal Settlements." Int. j. of Social Science and Economic Research 11, no. 9 (September 2026), 4655-4666. Accessed September, 2026. https://doi.org/10.46609/IJSSER.2026.v11i09.013.

References

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ABSTRACT:
The paper discusses the role of low-income resident-led enterprise activity in house improvement in poor, informal, urban settlements, treating four interconnected approaches home-based enterprises, savings and credit associations (SCGs), housing microfinance, and local entrepreneurship programmes as processes through which low-income urban households access resources and motivation to expand and upgrade their dwellings incrementally. Drawing on secondary evidence from international development agencies and case material on Gungano Urban Poor Fund (Zimbabwe), rotating savings schemes in India and home-based enterprises in the Global South, the paper contends these interventions achieve most effectively not as standalone initiatives but in a synergistic layered system in which houses serve simultaneously as both ‘homes’ and workplaces. Evidence indicates these microenterprise and community savings mechanisms can facilitate home improvement through additional rooms, better materials, and increased plots, the very areas denied access to formal housing and credit markets.
We balance this evidence with an understanding of the obstacles: a focus on the harsh reality of microenterprise interest rates, problems scaling up interventions and disproportionate gender impacts.
The authors present a case for policy changes and the importance of greater ‘ground up’ research in promoting sustainable, effective solutions, on the back of effective tenure, access to social capital, and collective resident empowerment.

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