Fleisig mais aussi al. , was of your consider you to, due to the fact a life threatening ratio of the functioning populace in Africa is in the newest casual business, software having financial borrowing from the bank becomes overwhelming of the not enough appropriate guarantee plus the seen unreasonable security conditions by the Banking institutions, and this of many within field cannot afford. The situation is normally held in order to represent a major burden so you’re able to a residential property advancement or property beginning in several African nations. So you can offset which hindrance, the storyline from Ghana suggests that, prior to the middle-eighties, the methods of your own Ghanaian regulators would be to serve as the new principal supplier off housing [, , ].