RODEO ARCHITECTS

WAT-HST Target Group Analysis

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WAT-HST Target Group Analysis

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Rodeo were, in partnership with prof W Kombe of ARDHI university, asked to carry out a target group analysis of WAT-HST client groups. WAT-HST is a cooperative housing organisation in Dar es Salaam. They target low income groups wanting to build new, inexpensive homes for themselves and their families. By becoming members of WAT-HST, clients organise in cooperative groups, start saving, and take up favourable loans to finance the building of houses. The analysis carried out indicated that overall, from a target group perspective - for a percentage of their clients - WAT-HST are certainly able to function as an important provider of micro-finance and housing. Clients are taking up loans and moving into their own homes, and managing this economic burden and transition successfully. Problems relate to numbers: given the amount of people in Dar es Salaam and Tanzania that are in need of housing, WAT-HST are not reaching enough people. Moreover, WAT-HST are not entirely successful in getting “savers” to become “movers” (i.e. that those with a house loan actually move to their new home), and that, although targeted by WAT-HST, the urban poor are less likely to become members than families with slightly better wherewithal. 

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Rodeo were, in partnership with prof W Kombe of ARDHI university, asked to carry out a target group analysis of WAT-HST client groups. WAT-HST is a cooperative housing organisation in Dar es Salaam. They target low income groups wanting to build new, inexpensive homes for themselves and their families. By becoming members of WAT-HST, clients organise in cooperative groups, start saving, and take up favourable loans to finance the building of houses. The analysis carried out indicated that overall, from a target group perspective - for a percentage of their clients - WAT-HST are certainly able to function as an important provider of micro-finance and housing. Clients are taking up loans and moving into their own homes, and managing this economic burden and transition successfully. Problems relate to numbers: given the amount of people in Dar es Salaam and Tanzania that are in need of housing, WAT-HST are not reaching enough people. Moreover, WAT-HST are not entirely successful in getting “savers” to become “movers” (i.e. that those with a house loan actually move to their new home), and that, although targeted by WAT-HST, the urban poor are less likely to become members than families with slightly better wherewithal.