Authors :
Saadatu Babuba Muhammad; Yakubu Abubakar Kantudu; Lawan Yusuf Abubakar; Simira Sani Liman; Abdulkarim ladan Salanke
Volume/Issue :
Volume 9 - 2024, Issue 9 - September
Google Scholar :
https://tinyurl.com/4pnnffs3
Scribd :
https://tinyurl.com/yca8u3br
DOI :
https://doi.org/10.38124/ijisrt/IJISRT24SEP522
Note : A published paper may take 4-5 working days from the publication date to appear in PlumX Metrics, Semantic Scholar, and ResearchGate.
Abstract :
This study examines the challenges affecting
the implementation of the National Housing Policy (NHP)
by the Federal Mortgage Bank of Kano Branch
(FMBKB) between 2020 and 2024. The research explores
key obstacles such as funding limitations, bureaucratic
delays, high costs of building materials, inadequate
infrastructure, and the lack of skilled personnel, as well
as their impact on housing service delivery. A mixed-
methods approach, combining quantitative surveys and
qualitative focus group discussions (FGDs), was used to
collect data from FMBKB staff, contractors, and
stakeholders involved in the NHP. The findings reveal
that bureaucratic bottlenecks and the high cost of
building materials are the most pressing issues, followed
by funding shortages and delays in processing housing
loan applications. Challenges such as insufficient
stakeholder collaboration and low public awareness of
the NHP also emerged as significant factors impeding
the program’s effectiveness. The study concludes with
recommendations aimed at increasing funding, reducing
bureaucratic inefficiencies, enhancing training and
capacity building, and fostering better collaboration
among stakeholders to improve the implementation of
the NHP and address Nigeria’s growing housing deficit.
The findings underscore the need for comprehensive
reforms to enhance the FMBKB's capacity in delivering
affordable housing solutions.
Keywords :
National Housing Policy, Federal Mortgage Bank, Housing Deficit, Service Delivery, Bureaucratic Delays, Building Materials, Nigeria.
References :
- Abubakar, M. (2024, August 15). Challenges Facing Federal Mortgage Bank’s Kano Branch. The Guardian. Retrieved from [The Guardian Nigeria](https://www.guardian.ng)
- Adamu, L. M. (2023). Housing Finance and Policy in Nigeria: Historical Perspectives and Future Directions. Lagos: University Press.
- Federal Mortgage Bank of Nigeria (FMBN). (2023). Strategic Plan 2023-2026. Federal Mortgage Bank of Nigeria.
- Federal Mortgage Bank of Nigeria (FMBN). (2025). Performance Review: Kano Branch. Federal Mortgage Bank of Nigeria.
- Federal Mortgage Bank of Nigeria. (2024). Annual Report and Financial Statements. Retrieved from [FMBN official website](https://www.fmbn.gov.ng)
- Federal Ministry of Works and Housing. (2024). National Housing Policy Review. Abuja: Government Printing Office.
- National Housing Fund (NHF). (2024). Annual Report. National Housing Fund
- Oladipo, S. A., & Ahmed, M. (2024). Assessing the Impact of Mortgage Banking on Housing Development in Northern Nigeria*. Journal of Housing Finance, 12(3), 45-67.
- R. O. Bello, F. A. Adekola, & H. A. Awelewa (2021). "Assessment of Service Quality and Its Impact on Customer Satisfaction in the Banking Industry: Evidence from Nigeria." Journal of African Business, 22(3), 331-346.
- World Bank. (2026). Nigeria Urbanization Review: Improving Housing Affordability. World Bank Publications.
This study examines the challenges affecting
the implementation of the National Housing Policy (NHP)
by the Federal Mortgage Bank of Kano Branch
(FMBKB) between 2020 and 2024. The research explores
key obstacles such as funding limitations, bureaucratic
delays, high costs of building materials, inadequate
infrastructure, and the lack of skilled personnel, as well
as their impact on housing service delivery. A mixed-
methods approach, combining quantitative surveys and
qualitative focus group discussions (FGDs), was used to
collect data from FMBKB staff, contractors, and
stakeholders involved in the NHP. The findings reveal
that bureaucratic bottlenecks and the high cost of
building materials are the most pressing issues, followed
by funding shortages and delays in processing housing
loan applications. Challenges such as insufficient
stakeholder collaboration and low public awareness of
the NHP also emerged as significant factors impeding
the program’s effectiveness. The study concludes with
recommendations aimed at increasing funding, reducing
bureaucratic inefficiencies, enhancing training and
capacity building, and fostering better collaboration
among stakeholders to improve the implementation of
the NHP and address Nigeria’s growing housing deficit.
The findings underscore the need for comprehensive
reforms to enhance the FMBKB's capacity in delivering
affordable housing solutions.
Keywords :
National Housing Policy, Federal Mortgage Bank, Housing Deficit, Service Delivery, Bureaucratic Delays, Building Materials, Nigeria.
