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Collateral Damage? Transforming Subprime Slum Dwellers into Homeowners

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  • Patricia Campbell

Abstract

Homeownership has been elevated to the position of a superior form of tenure, offering seemingly limitless benefits from capital gain to more abstract notions of security, empowerment and good citizenship. The international discourse on housing policy has mirrored this privilege, particularly evident with the celebration of Hernando de Soto and his promotion of formal property rights as the solution to global poverty. Formalisation schemes are said to provide a route to economic prosperity by transforming 'slum dwellers' into 'homeowners', offering a route to access formal credit and ending the undercapitalisation of the poor. Drawing on the example of de Soto-inspired MKURABITA titling scheme in Tanzania, this paper questions the favour of ownership policies in the Global South in the wake of the subprime crisis.

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  • Patricia Campbell, 2013. "Collateral Damage? Transforming Subprime Slum Dwellers into Homeowners," Housing Studies, Taylor & Francis Journals, vol. 28(3), pages 453-472, April.
    • Handle: RePEc:taf:chosxx:v:28:y:2013:i:3:p:453-472
    DOI: 10.1080/02673037.2013.759543
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    References listed on IDEAS

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    1. Lawrence King & Osvaldo Gómez Martínez, 2010. "Property Rights Reform and Development: A Critique of the Cross-National Regression Literature," Working Papers wp216, Political Economy Research Institute, University of Massachusetts at Amherst.
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    Cited by:

    1. Panman, Alexandra & Lozano Gracia, Nancy, 2022. "Titling and beyond: Evidence from Dar es Salaam, Tanzania," Land Use Policy, Elsevier, vol. 117(C).
    2. Priscila Izar, 2022. "Meanings of Self-Building: Incrementality, Emplacement, and Erasure in Dar es Salaam’s Traditional Swahili Neighborhoods," Urban Planning, Cogitatio Press, vol. 7(1), pages 305-320.
    3. Josh Ryan‐Collins, 2021. "Private Landed Property and Finance: A Checkered History," American Journal of Economics and Sociology, Wiley Blackwell, vol. 80(2), pages 465-502, March.
    4. Panman,Alexandra Patricia & Lozano Gracia,Nancy, 2021. "Making Room for Renters : Understanding and Supporting Rental Markets in the Global South — Evidence from Dar es Salaam, Tanzania," Policy Research Working Paper Series 9579, The World Bank.

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