HOW COOPERATIVE SOCIETIES ENHANCE GENERAL WELLBEING THROUGH HOUSING PROVISION AND SERVICES IN NIGERIA
Keywords:
Wellbeing, Urbanization, Cooperative societies, Housing provision, Loan,Abstract
This study discusses the activities of cooperative societies in meeting the challenges of housing provision in the face of seeking and repayment processes. The cooperative societies in formal and informal settings were studied. Cooperative societies in 2 tertiary institutions in Nigeria were used as cases for formal setting. Informal setting was represented by the oldest Coordinating Cooperative Union in Ibadan, Nigeria. A total of 330 respondents took part in the study. Questionnaire and interviews were utilized to collect data for the study. The findings revealed that all the cooperative societies ran multipurpose services with housing loan services being equally included. These services included mass purchasing of land (b) acquisition of rapid urbanization. The study made an exposition of housing and related services, loan fixed assets (c) housing loans to members who are about to complete their personal houses or in the process of having one. Cooperative societies were seen as the easiest channels of securing access to affordable housing due to absence of bureaucratic bottleneck and insurmountable conditions. The general feeling was that decision making on how, when and to whom the loan should be given was faster, reliable and enhancing social, mental and physical stability for better productivity.References
Adebari, S.O. (2011). Equality and Equity in urbanizing society. Journal of Cooperative and Physical Development, 5(2), 62-71
Adegeye, A.S and J.S. Dittoh (1985). Essentials of Agricultural Economics. Ibadan: Impact Publishers Nigeria Ltd, Pp. 14-18.
Adepegba, B.A. (2019). Man and the Quest for Sustainable development. Lagos, Nigeria: MuttMacson Publishers Ltd. Pp. 22-27.
Adelowo, A.S. (2020). Determinants of sustainable development. Journal of Cooperative and Physical Development, 4(1),13-24.
Ademiluyi, I.A. and Raji, B.A. (2008). Public and private developers as agents in Urban Housing delivery in sub-Saharan Africa. The situation in Lagos State, Humanity of Social Sciences Journal, 3(2), 143-150
Ademiluyi, I.A. (2010). Public Housing delivery strategies in Nigeria: A Historical perspective of policies and programmes. Journal of Sustainable Development in Africa, 12(6), 154-158.
Agbola, T. (1998). The Housing of Nigerians: A Review of Policy Development and Implementation, Research Report, 14 - Development Policy Centre, Ibadan, Pp. 34-35.
Agboola, S.B. (2005). Housing Debacle. Inaugural Lecture at the University of Ibadan, Pp. 17-19.
Agboola, S.B. and Odunola, T. (2007). Housing Policies and Programmes, in Agbola, T., Egunjobi, L. and Olatubara, L.O. (eds), Housing Development and Management: A Book of Readings, Ibadan: Malijoe Softprint, Pp. 96-98.
Ajanlekoko, J.S. (2001). Sustainable Housing Development in Nigeria – The Financial and Infrastructural Implication (International Conference on Spatial Information for Sustainable Development Nairobi, Kenya, 2–5 October).
Aluko, Ola (2011). Sustainable Housing Development and Functionality of Planning Laws in Nigeria: The Case of Cosmopolitan Lagos, Journal of Sustainable Development, 4(5), 142-145.
Anderson, I. and Barclay, A. (2003). Housing and health, in Watterson, A. (ed.), Public Health in Practice, London: Palgrave. Pp. 158-162.
Andrew, A.J. (2007). Challenges to Providing Affordable Housing in Nigeria (Paper Presented at the 2nd Emerging Urban Africa International Conference on Housing Finance in Nigeria, Held at Sehu Musa Yar'Adua Center Abuja, October 17-19), Pp. 3-7.
Balogun, M.A. (2010). Migration and Urbanization, Journal of Cooperative and Physical Development, 4(1), 31-42.
Birchall, J. (2003). Rediscovering the Co-operative Advantage: Poverty reduction through self-help, Geneva: International Labour Organisation,
Birchall, J. (2004). Co-operatives and the Millennium Development Goals, Geneva: International Labour Organisation, Available at: http://www.ilo.org/public/english/support/lib/resource/subject/coop/birchallbook_2004.pdf
Bond, Lyndal, Kearns, A., Mason, P., Tannahill, C., Egan, M. and Whitely, E. (2012). Exploring the relationships between housing, neighbourhoods and Mental wellbeing for residents of deprived areas, BMC Public Health, 12 (48),
Braubach, M., Jacobs, D.E. and Ormandy, D. (2011). Environmental burden of disease associated with inadequate housing. Copenhagen: WHO Europe; Pp. 2-9.
Ezennia, I.S. and Hoskara, S.O. (2019), Exploring the Severity of Factors Influencing Sustainable Affordable Housing Choice: Evidence from Abuja, Nigeria, Sustainability, 11, 5792; doi:10.3390/su11205792
Fisk, W.J., Eliseeva, E.A. and Mendell, M.J. (2010). Association of residential dampness and mold with respiratory tract infections and bronchitis: A Meta-analysis. Environmental Health, 9(1), 72.
Garnham, Lisa and Steve Rolfe (2019). Housing as a social determinant of health: evidence from the Housing through Social Enterprise study, University for the Common Goods, USA, Pp. 3-7 (February).
Ilesanmi A.O. (2010). Urban sustainability in the context of Lagos mega-city, Journal of Geography and Regional Planning, 3(10), 240-252,
Liddell, C. and Guiney, C. (2015). Living in a cold and damp home: Frameworks for understanding impacts on mental well-being, Public Health, 129(3), 191-199.
Marsh, A., Gordon, D., Heslop, P. and Pantazis, C. (2000). Housing Deprivation and Health: A Longitudinal Analysis, Housing Studies; 15(3), 411-428.
Mellor, J.W. (2009). Measuring Cooperative Success: New Challenges and Opportunities in Low- and Middle-Income Countries, United States Overseas Cooperative Development Council/United States Agency for International Development, Pp. 24-30.
Munoz, M., Crespo, M. and Perez-Santos, E. (2005). Homelessness effects on men’s and women’s health, International Journal of Mental Health; 34(2), 47-61.
O’Connell, J. (2005). Premature mortality in homeless populations: A review of the literature, Nashville: National Healthcare for the Homeless Council, Inc., Pp. 5-17.
Oladipupo O.M. and Anyanwu, I.U. (2011). Slums and Deviance, Journal of Health and Social Management, 16(1), 25-30.
Olanipekun, A.O., Aje, I.O. and Awodele, O.A. (2014). Contextualising Sustainable Infrastructure Development in Nigeria, FUTY Journal of the Environment, 8(1):83-89
Olateju, B. (1990). Innovating Building Materials: Application for Cooperative Housing Development (A paper presented at the National Workshop on Housing Cooperative for Nigeria. Obafemi Awolowo University, Ile-Ife, 17th – 18th December), Pp. 2-8.
Olomolaiye, P. (1999). Rural Housing in Nigeria: Concept, Problems and Functional Approach, Journal of Nigerian Institute of Town Planners, IV(V), 57-68.
Oyebola, D.O. (2019). Housing Needs and finance in developing societies, Journal of Cooperative and Physical Development, 5(1), 23-45
Oyetola, M.L. (2020). Production and consumption patterns in urban centre, Lagos, Nigeria: Starlite Press and Publications, pp. 36-41
Satterthwaite, D. (1999). Sustainable Cities or Cites that Contribute to Sustainable Development, in Satterthwaite, D. (ed.), The Earthscan reader in sustainable cities, London: Earthscan, Pp. 56-67.
Thomson, H., Thomas, S., Sellstrom, E. and Petticrew, M. (2013). Housing improvements for health and associated socio-economic outcomes, Cochrane Database of Systematic Reviews (Online); 2.
UN-Habitat (2007). Africa on the Move: An urban crisis in the making (A submission to the Commission for Africa), Twenty First Session of the Governing Council, 16 - 20 April 2007, Nairobi, Kenya, United Nations Human Settlements Programme. Available at https://mirror.unhabitat.org/downloads/docs/5012_88132_A_62_08%20(E).pdf
UN-Habitat (2010). The State of African Cities 2010: Governance, Inequality and Urban Land Markets, Nairobi (November). Available at http://www.zaragoza.es/contenidos/medioambiente/onu/535-eng-ed2010.pdf
Wolf, J., Anderson, I., van den Dries, L. and Filipovic-Hrast, M. (2016). The Health of Homeless women, in Maycock, P. and Bretherton, J. (eds), Women’s homelessness in Europe: A Reader. London: Palgrave Macmillan. Pp. 155-178.
World Health Organisation (WHO, nd). Mental health: A state of well-being, Available at http://www.who.int/features/factfiles/mental_health/en/index.html
