Table 1.

Measurement indicator variables for housing finance

Latent variable constructIndicator variablesLabel
Housing financeFinancing through mortgagesHFE1
Low interest commercial bank loansHFE2
Loans from micro-financial institutionsHFE3
Public private partnershipsHFE4
Employer assisted loan initiativesHFE5
Community loan initiative schemesHFE6
Employer assisted (housing allowance)HFE7
Self-financing through savingsHFE8
State financing of social housingHFE9
Duty waive on materials that cannot be produced locallyHFE10
Community financing initiativeHFE11
State financing provision of basic servicesHFE12
Pension backed housing financeHFE13
Source(s): Authors’ compilation

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