USAID/Haiti Home Ownership and Mortgage Expansion (HOME) Performance Evaluation
Summary — This report presents the final evaluation of USAID/Haiti's Home Ownership and Mortgage Expansion (HOME) activity, implemented by the World Council of Credit Unions (WOCCU) in partnership with Habitat for Humanity International (HFHI) and the Affordable Housing Institute (AHI). The evaluation assesses the activity's success in promoting affordable housing development and expanding access to mortgages for low-to-middle income Haitians.
Key Findings
- HOME was largely successful in making a business case for commercially driven housing developments for a middle-class market segment.
- Credit union housing microfinance loans effectively helped low-income Haitians access housing finance to improve their homes under more favorable conditions.
- HOME used P4P incentives effectively, flexibly adapting the modality to the activity’s objectives and context and producing several positive outcomes.
- HOME was largely effective in facilitating the emergence of local real estate developers.
- HOME’s facilitation was moderately effective at reinforcing housing financing.
Full Description
This final evaluation report examines the USAID/Haiti Home Ownership and Mortgage Expansion (HOME) activity, implemented by the World Council of Credit Unions (WOCCU) in partnership with Habitat for Humanity International (HFHI) and the Affordable Housing Institute (AHI). The HOME activity aimed to facilitate access to safe and durable housing through market-based solutions in the Port-Au-Prince, Cap-Haitian, and Saint-Marc development corridors. The evaluation assesses the extent to which HOME achieved its intended results, identifies lessons learned, and recommends possible follow-up actions. The primary audience for this evaluation includes USAID/Washington, USAID/Haiti, the grantee and subgrantees, other donors, Haitian private sector entities, and the Government of Haiti.