A National Policy Framework for Climate-Resilient Housing in Ghana
Roughly 90 per cent of the housing units Ghana added between 2000 and 2021 were built outside any formal mortgage program, much of it on floodplains and drainage corridors. This policy paper traces that exposure to four interconnected drivers — constrained construction finance, an inaccessible mortgage market, weak code enforcement, and fragmented disaster-response institutions — and sets out a sequenced package of regulatory, financial, and institutional reforms built around the agencies Ghana already has.
AI-Driven Microfinance for Climate-Resilient, Disaster-Ready Low-Income Housing Delivery in Sub-Saharan Africa
Sub-Saharan Africa’s low-income housing deficit is widening under urbanisation and climate pressure, while conventional microfinance remains constrained by thin credit histories and an absence of hazard data. This paper makes the case for AI-driven microfinance — alternative-data credit scoring, satellite-informed risk modelling, and predictive analytics — while arguing that technical innovation alone is insufficient without transparent, multi-stakeholder governance. It closes with a four-point research and policy agenda for institutions, regulators, and financiers.