Conceptual

Property about commons, and/or Washington Consensus, as it is known well various other circles, posits that landed assets and you will entry to formal borrowing from the bank are in person relevant. If arrived property advances access to specialized borrowing or perhaps not enjoys come within middle of argument, that have differing basic facts, particularly for the global Southern area. A different sort of relevant dimension of argument issues the implications out-of relatives-help-mortgage agreements using intra-loved ones import out of land just like the equity to help with a member’s home loan of the placing a charge into the collective assets. This report discusses the use of got possessions because the equity to availability specialized credit out of financial institutions to own houses growth in this new Tamale Metropolitan Urban area (TMA) throughout the North Region of Ghana. The key browse question for you is: really does official documentation off arrived possessions as guarantee assist in being able to access official borrowing having construction growth in TMA? The research requires the entry to when you look at the-breadth interviews to analyze new views out of home designers, borrowing from the bank officers from universal financial institutions, and you can property identity people on relative importance of landed possessions and you will access to borrowing to possess property creativity. The information and knowledge are analysed as thematic stuff studies. New results indicate that although arrived property get join the decision to offer authoritative borrowing, this is simply not a turn-key solution effortlessly recognized on last lending choice.