The housing sector plays a more critical role in a nation’s welfare than is always recognized, as it directly affects not only the citizenry, but also the performance of other sectors of the economy. Adequate housing provision has since the early 1970s consequently engaged the attention of most countries, especially the developing nations for a number of reasons. First, it is one of the three most important basic needs of mankind- the others being food and clothing. Secondly, housing is a very important durable consumer item, which impacts positively on productivity, as decent housing significantly increases worker’s health and wellbeing, and consequently growth. Thirdly, it is one of the indices for measuring the standard of living of people across societies (Sanusi, 2003).

Propelled by the patriotic quest of addressing Nigeria’s acute housing problem, the Federal Government came up with a National Policy on Housing and Urban Development in 2002. The policy has since then triggered milestone reforms in the nation’s housing industry aimed at repositioning it for efficient and effective housing delivery and maintenance. One of the means through which the policy is been achieved is on public-private partnership concept. The thrust of the policy is to raise the home ownership rate among Nigerians to a respectable level by moving the housing industry to sustainably deliver mass, decent and affordable housing with the active participation of the private sector-driven mortgage based housing delivery and maintenance system (Oduwaye, 2004). The policy believes that this will particularly address the housing problem of most Nigerian citizens.

The concept of private partnership in housing financing, delivery and maintenance system is predicated on the pooling together of resources from the various stakeholders, each party making inputs, thereby minimizing wastage and maximizing results achieved. Ikekpeazu (2004) stressed that the expediency of the increased adoption of the public-private partnership for housing financing and delivery in the present socio-economic circumstances of shortage of housing in Nigeria is now even more glaring than ever. With the increasing demand of the population on the national economy and the government’s propensity for enlarging the multi-sectorial allocations in terms of finance, it is becoming obvious that government alone can no longer provide adequate housing for all categories of her citizens particularly the low income earners.

The organized private sector comprise of members of the real estate developers association of Nigeria and some commercial banks that have real estate departments. Average citizens including the low-income earners do not easily have access to housing finance because of their low wages. Nigeria is a country with high unequal income distribution, a situation that restricts the reach of the vast majority in the acquisitionof quality housing. This study examines the role of public-private partnership in housing finance, delivery and maintenance in Nigeria.

The public-private partnership for housing delivery under Nigeria’s current housing policy (Abdulsalam, 2008) confers certain identifiable roles on both the public and the private sector. The roles of the private sector in housing financing, delivery and maintenance with particular reference to private partnership includes responsible for production of physical houses, responsible for primary mortgage lending, required to invest mortgage securities and responsible for the production and supply of building materials, particularly local content.

1.2   STATEMENT OF THE PROBLEM Housing finance constitutes one of the major pillars of housing delivery and maintenance system. Indeed, without a well-organized and efficient housing finance mechanism, the goal of a housing development and maintenance policy will be largely unattainable. Housing finance has been recognised as an important, almost indispensable factor in the housing delivery and maintenance system. This is because only the very few in any nation can afford to pay cash for a house or pay cash for a major renovation of the house. Most other people must have to finance their house building and maintenance through loans, personal savings, assistance from relatives or friends and gifts. Introduction of public-private partnership in housing delivery and maintenance is to enhance the productivity of the housing sector, increase housing affordability and improve access to basic infrastructure and social services. Ikekpeazu (2004) stressed that in order to attain the desired outcome for private partnership, the perception of the housing sector as a vast arena of social problems and a drain on the economy must change. Housing must be seen as an important economic sector with crucial linkages to the overall economy of a nation. The housing sector is a key component of the economy. It is typically the largest single form of fixed capital investment, in most economics. Based on these facts, the researcher seeks to examine the role of private partnership in house finance, delivery and maintenance in Nigeria.1.3   OBJECTIVES OF THE STUDY The following are the objectives of this study:

To examine the role of private partnership in house finance, delivery and maintenance in Nigeria. To ascertain the level of investment in housing delivery and maintenance in Nigeria. To identify the problems of housing finance, delivery and maintenance in Nigeria.


What is the role of private partnership in house finance, delivery and maintenance in Nigeria? What is the level of investment in housing delivery and maintenance in Nigeria? What are the problems of housing finance, delivery and maintenance in Nigeria?

1.5   HYPOTHESIS HO: Private partnership has not contributed to housing finance, delivery and maintenance in Nigeria. HA: Private partnership has contributed to housing finance, delivery and maintenance in Nigeria.1.6   SIGNIFICANCE OF THE STUDY The following are the significance of this study:

The results of this study will educate the general public on the role of public private partnership and how it can be used as the instrument of development in housing finance, delivery and maintenance. The findings will sensitize the stakeholders in building construction and real estate management on the need for effective collaboration with the private sector to ensure speedy financing and delivery of housing units all over the country noting that private partnership has facilitated development in housing delivery and maintenance in other advanced countries of the world. This research will also serve as a resource base to other scholars and researchers interested in carrying out further research in this field subsequently, if applied will go to an extent to provide new explanation to the topic.

1.7   SCOPE/LIMITATIONS OF THE STUDY This study on the role of private partnership in housing finance, delivery and maintenance in Nigeria will cover the involvement of private sector in the provision and maintenance of housing units with focus on the existing housing structure and management in Nigeria.


Financial constraint- Insufficient fund tends to impede the efficiency of the researcher in sourcing for the relevant materials, literature or information and in the process of data collection (internet, questionnaire and interview). Time constraint- The researcher will simultaneously engage in this study with other academic work. This consequently will cut down on the time devoted for the research work.

REFERENCES Abdulsalam, A. (2008): Public-Private Partnership in Housing Finance at a seminar organised by the Nigerian Institute of Estate Surveyors and Valuers (Ondo State Branch), held on the 13th of November, 2008, at Owena-Nicon Luxury Hotels, Akure. Ikekpeazu, F. (2004): New Trends in Low-cost Housing delivery systems in Nigeria: An Overview of the public-private partnership approach.  Housing Today, 1 (8), 30 – 36. Oduwaye, L. (2004): Problems and Prospects of Primary Mortgage Institutions (PMIs) in Nigeria: Case of selected PMIs in Lagos. Housing Today, 1 (8) 14-18. Sanusi, J. O. (2003): Mortgage Financing In Nigeria: Issues And Challenges, a paper presented at the 9th John Wood Ekpenyong Memorial Lecture, organised by the Nigerian Institute of Estate Surveyors and Valuers, January 29, 2003.

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How To Write Chapter Three Of Your Research Project (Research Methodology)
  • Methodology In Research Paper

    Chapter three of the research project or the research methodology is another significant part of the research project writing. In developing the chapter three of the research project, you state the purpose of research, research method you wish to adopt, the instruments to be used, where you will collect your data, types of data collection, and how you collected it.

    This chapter explains the different methods to be used in the research project. Here you mention the procedures and strategies you will employ in the study such as research design, study design in research, research area (area of the study), the population of the study, etc. You also tell the reader your research design methods, why you chose a particular method, method of analysis, how you planned to analyze your data.

    Your methodology should be written in a simple language such that other researchers can follow the method and arrive at the same conclusion or findings.

    You can choose a survey design when you want to survey a particular location or behavior by administering instruments such as structured questionnaires, interviews, or experimental; if you intend manipulating some variables.

    The purpose of chapter three (research methodology) is to give an experienced investigator enough information to replicate the study. Some supervisors do not understand this and require students to write what is in effect, a textbook.

    A research design is used to structure the research and to show how all of the major parts of the research project, including the sample, measures, and methods of assignment, work together to address the central research questions in the study. The chapter three should begin with a paragraph reiterating the purpose of research. It is very important that before choosing design methods try and ask yourself the following questions: Will I generate enough information that will help me to solve the research problem by adopting this method?

    Method vs Methodology

    I think the most appropriate in methods versus methodology is to think in terms of their inter-connectedness and relationship between both. You should not beging thinking so much about research methods without thinking of developing a research methodology.

    Metodologia or methodology is the consideration of your research objectives and the most effective method and approach to meet those objectives. That is to say that methodology in research paper is the first step in planning a research project work.

    Design Methodology: Methodological Approach

    Example of methodology in research paper, you are attempting to identify the influence of personality on a road accident, you may wish to look at different personality types, you may also look at accident records from the FRSC, you may also wish to look at the personality of drivers that are accident victims, once you adopt this method, you are already doing a survey, and that becomes your metodologia or methodology

    Your methodology should aim to provide you with the information to allow you to come to some conclusions about the personalities that are susceptible to a road accident or those personality types that are likely to have a road accident.

    The following subjects may or may not be in the order required by a particular institution of higher education, but all of the subjects constitute a defensible in metodologia or methodology chapter.

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