Authors : Akanni Prince Oluleye; Owonikoko Peter Olufemi

Volume/Issue : Volume 11 - 2026, Issue 9 - September

Google Scholar : https://tinyurl.com/3rnxv7xp

DOI : https://doi.org/10.38124/ijisrt/26sep721

Note : A published paper may take 4-5 working days from the publication date to appear in PlumX Metrics, Semantic Scholar, and ResearchGate.

Abstract : Housing remains one of the most pressing socio-economic challenges in Nigeria, with low-income earners disproportionately excluded from formal mortgage systems due to high interest rates, stringent collateral requirements, and unstable income. Microfinance banks (MFBs) have emerged as a potential bridge for this financing gap, yet their integration into structured, government-backed housing delivery frameworks remains poorly documented, particularly at the subnational level. This study examined the nature of partnership frameworks between the Ondo State Government and microfinance banks in low-income housing delivery, and assessed the level of microfinance bank involvement in financing low-income housing projects in the state.

Keywords : Housing Finance, Microfinance Banks, Public–Private Partnership, Low-Income Housing, Government–Microfinance Collaboration.

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