OSHATOTWA
HOUSING PROGRAMME
LYAMENA
(Growing up)
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General view of the Otjomuise 103 core-house project
Submitted by
SUM-McNamara Consultants
to the
National Housing Enterprise {NHE)
August 1994
Windhoek, Namibia
1
2
2.1
2.2
2.3
2.4
2.5
2.6
2.7
2.8
3
3.1
3.2
4
5
6
7
7.1
7.2
7.3
8
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OSHATO1WA HOUSING PROGRAMME- PROGRESS REPORT N2 5-APRILJJULY 1994....J t \\ , , 4 <-
TABLE OF CONTENTS
INTRODUCTION
UPGRADING PROJECT
Land regularization
Starter Solutions
Repayments, arrears, evictions
Infrastructure improvements
Community centers
Community development
Community facilities in the upgrading areas
Squatter resettlement program
CORE-HOUSE PROJECT
Land development
Core house construction
LOAN GUARANTEE FUND
BUILDING MATERIAL LOANS
INSTITUTIONAL DEVELOPMENT
FINANCIAL
State of accounts
Adherence to disbursement schedule
Update of Programme budget
CONSULTING SERVICES
ANNEXES
2.1/a List of erven not suitable for residential purposes in upgrading areas.
2.2/a Information campaign on Starter Solutions
2.2/b Options for public-sector employees
2.2/c Owner improvements on starter solutions
23/a Information on ongoing evictions
2.3/b Evictions procedures, MRLGH support
2.5/a Proposal for Ombatero group facility at Onguuo ye Pongo Community Center
2.5/b Management guidelines for community centers
2.6/a Socio-economic survey
2.6/b Semi- public toilets and individual pit latrines
3.1/a Registration of land developed by NHE for core-house project
3.1/b Application to Municipality for land to build a Community Center at Otjomuise
3.2/a Analysis of clients for core-house projects
4/a Letter from SWABOU informing of Board approval for LGF pilot project
1
5
6
13
15
16
21
22
22
25
26
3 5
37
39
41
42
45
47
4/b Press ads, correspondence and plans from Horizon Development related to LGF
pilot project.
5/a NHE's newsletter publication regarding Building Material Loans
7.1/a Disbursements from Disposition Fund
OSHATOlWA HOUSING PROGRAMME - PROGRESS REPORT 'N2 5 - APRILJJULY 1994
BML
cc
CDC
CDA
CTA
OF
GST
HH
Kf-N
LGF
MRLGH
NGO
NHE
N$
PHSL
QPR
SCA
SMFPC
SMTSS
SS
ABBREVIATIONS USED
Building Material Loans
Community Centre
Community Development Coordinator
Community Cevelopment Advisor
Chief Technical Advisor
Disposition Fund
General Sales Tax
Household
Kreditanstalt fur Wiederaufbau
Loan Guarantee Fund
Ministry of Regional and Local Government and Housing
Non Governmental Organization
National Housing Enterprise
Namibia Dollar
Primary Household Subsistence Level
Quarterly Progress Report
Self-Help Construction Advisor
Senior Manager, Finance, Planning and Control
Senior Manager of Technical and Social Services
Starter Solution
OSHATOTWA HOUSING PROGRAMME - PROGRESS REPORT No 5 - APRIL/JULY 1994
Chapter 1 - Introduction
1. INTRODUCTION
This Progress Report No. 5 is submitted by SUM-McNamara Consultants to the
National Housing Enterprise, with copies to the Ministry of Regional, Local
Government and Housing and to the Kreditanstalt fur Wiederaufbau in accordance
with Paragraph 2.2.3 of the Consulting Contract dated July 16, 1992. It covers the
progress accomplished from the 1st of April through the end of July 1994.
The combination of the participative evaluation workshop realized in February,
the training exercises for team members and the growing interest of NHE as a whole
to assure project progress and success resulted in a substantial increase in the pace
of implementation. Community development efforts are ongoing, and the two existing
community centers are actively used both for programme and other kind of activities.
All Programme sub-components are now at some stage of execution with some major
tasks practically completed. Over N$ 3.750.000 in project funds were spent during the
period. The following table provides an indication of progress measured in amount
spent against budget allocations.
COMPONENT Budget Spen1 till % advance
7/94
1. UPGRADING AREAS 9995.00 7345.63 73.5
1.1 Land & basic infrastructures. 5221.00 5221.00 100.0
1.2 Infrastructure improvements 2220.00 1679.97 75.7
1.3 Starter solutions 2104.00 229.75 10.9
1.4 Community centers 450.00 214.91 47.8
2. CORE-HOUSES 10476.10 5008.64 47.8
2 1 Land & basic infrastructures 2934.70 2934.70 100.0
2.2 Land development 1363.00 576.56 42.3
2.3 Core-house construct. 5878.40 1497.38 25.5
2.4 Community centers 300.00 0.00 0.0
3. LOAN GUARANTEE FUND 11900.00 1900.00 16.0
3.1 Loan Guarantee Fund 1900.00 1900.00 100.0
3.2 Private sector loans 10000.00 0.00 0.0
4. BUILDING MATERIAL LOANS 1263.00 0.00 0.0
5. COMMUNITY DEVELOPMENT FUND 87.00 40.49 46.5
5.1 Production of 2 videos 20.00 35.81 179.0
5.2 Unassigned 67.00 4.68 7.0
6. NHE ADM./ TECHNICAL COSTS 2.692,00 1499.70 55.7
6.1 Personnel 2201.00 1110.00 50.4
6.2 Land survey & engineering fees 491.00 389.70 79.4
7. CONSULTANTS 3467.80 1720.00 49.6
7.1 Inception phase 520.00 520.00 100.0
7.2 Implementation phase 2947.80 1200.00 57.0
8. RESOURCE CENTER 38.00 38.00 100.0
9. CONTINGENCIES 194.90 57.00 29.2
10. TOTALS 40113.80 17609.47 43.9
OSHATOTWA HOUSING PROGRAMME - PROGRESS REPORT No 5 -APRILJJULY 1994
Chapter 1 - Introduction
' At the beginning of July a replenishment of DM 1.500.000 for Disposition Fund
requested by NHE was transferred by Kf\\/v to the Commercial Bank in Windhoek.
Two relevant visitors toured the Oshatotwa Programme. Ms. Libertina Amathila,
Minister of Regional and Local Government and Housing indicated at the end of July
to NHE her interest in personally appraise the progress, and a field visit was
organized in early August. A few days later, Mr. Horst Gebauer, representative of the
Ministry of Cooperation (BMZ) at the German Embassy in Windhoek visited the
Programme sites after a briefing at NHE's offices.
The Oshatotwa Programme is now fully perceived within NHE as an in-house
project. Both at the Senior Management and at the execution levels the understanding
of the Programme, monitoring of progress and cooperation in day to day tasks has
substantially increased, a fact that is positively reflected in the accelerating pace of
implementation.
A socio-economic survey of the Upgrading Areas population performed by the
CDCs and evaluated at SUM Consult Headquarters permitted to update and upgrade
the knowledge of the target group.
Note: KfW funds transfe"ed to replenish the Disposition Fund were exchanged at the beginning of July at the rate
of N$ 2,25 = 1 OM.
JACrispo 150894
2
OSHATOTWA HOUSING PROGRAMME - PROGRESS REPORT No 5 - APRILJJULY 1994
Ms.Ubertina Amathila, Minister of Regional and Local Government and Housing visited the
Oshatotwa Programme in early August. At the Community Center in Okuryangava she met the
Oshatotwa team members .
-
Another view of the meeting of the Oshatotwa team with the Minister of Regional and Local
Government and Housing.
OSHATO1WA HOUSING PROGRAMME- PROGRESS REPORT No V-APRILJJULY 1994
Chapter 2 - Upgrading Project
2. UPGRADING PROJECT
2.1 Land regularization
Analysis of erven in upgrading areas
During the land selling process several problems arose related to the definition
of individual plot boundaries. They derive from the time of resettlement, when plots
were assigned to families on a "first come first served" basis without reference to
accurate lay-out plans. The exact number of residential plots was not known,
preventing sound land management.
After completion of the internal streets all plot pegs could be identified and a
clearer picture emerged at the site. During the months of May and June the
Oshatotwa Team carried out a detailed field survey on erven occupancy. Out of the
total of 1.007 erven figuring in the lay-out plans, 13 are unusable for residential
purposes for various reasons. (See Annex 2.1/a). The net number residential erven is
thus 994. 23 of them are physically vacant, and 29 (all in Nangolo), have been
occupied by squatters. A master file spelling the situation of all individual erven is now
kept at NHE, to be regularly updated.
Unfortunately, in the rush of resettlement, 5 erven zoned as Public Space were
allotted to families; deeds of sale were prepared by NHE and, in four cases signed.
Some of these plots may be re-zoned as residential by the Municipality; in other cases
the families will have to be moved to other erven, as deeds of sale cannot be legally
registered over public land.(Details in Annex 2.1/a)
Land sales
The number of pending cases has been reduced to 80 from the 136 at the end
of March. Out of these 80, 23 are vacant erven and 29 are plots illegally occupied by
squatters. The following table resumes the situation
:1tNdof' t :t:Noritl
l~h t J~ldttfflil
Onguo ye Pongo 61 0
Onyeka 64 0
Ocluduluka 15 0
Nangolo 136 2
Epandulu 34 2
Onheleiwa 182 4
Joseph Nepando 124 2
Freedom Land 100 3
Greenwell Mtgo. 291 0
Totals 1007 13
61
64
15 15
134 93
32 29
178 173
122 119
97 89
291 275
994 914
100,0
100,0
100,0
69,4
90,6
97,2
97,5
91,8
94,5
92,0
1ntorma1 " 'Vacant
~if m ~~::m
0 0
0 0
0 0
29 11
0 3
0 0
0
0 8
0 0
29 23
As shown in the table, the complex task of regularizing land tenure to the
Single Quarters resettled families is by now substantially completed and the target to
have 99% of the erven sold to legitimate beneficiaries by the end of 1995 seems
attainable. In future, the task will mainly involve allocations to new beneficiaries of
5
OSHATO1WA HOUSING PROGRAMME - PROGRESS REPORT No V -APRILJJULY 1994
Chapter 2 - Upgrading Project
vacant plots, plots voluntary surrendered to NHE by the initial owners (there are
already 2 cases), and plots repossessed after evictions for non-payment of loans.
2.2 Starter solutions
Adjusted marketing
During April, May and June the Oshatotwa team planned and implemented an
information campaign as a marketing strategy to ensure full awareness among clients
of the options and procedures for buying a starter solution.
In early April the team planned the campaign, prepared information pamphlets
and discussed in detail the form and contents of the envisaged community meetings.
Three initial pilot meetings were held, one in each community to train team members,
detect the type of questions most likely to be raised and ensure consistent
presentations.
From mid April to mid May 842 families in the Upgrading areas were
individually invited to attend an information meeting. In groups of around 40 heads of
households, 580 of them attended and participation was lively. After being informed,
interested parties were requested to contact the SCAs at the site offices to discuss the
possibility of building their own starter solution. These follow-up interviews are still
ongoing.
As a marketing exercise the campaign was successful, as the increasing
number of starter solutions under way proves. The understanding of beneficiaries
regarding the processes of sale of the land and loans for starter solutions made good
progress, and the team improved the knowledge of the clients and their attitudes.
Details on the information campaign are attached as Annex 2.2/a
Construction
At the end of July a total of 61 starter solutions were under various stages of
progress: 13 were completed, 11 were under construction, 6 new loans were
approved by the loan committee i July; 8 applications were ready waiting for approval
by the loan committee and the SCAs were preparing 23 new loans (8 in the central
area, 3 in the eastern sector and 12 in Greenwell Matongo). All in all, NHE records
show that 112 clients have started saving for a starter solution. After a slow start, it
seems that now the process is consolidating and picking up speed. This is also the
perception that the SCAs bring back from their day to day dealings with the people.
The process requires time for the people to decide and to complete their initial saving,
but there is a growing number of families interested in the scheme.
6
OSHATOlWA HOUSING PROGRAMME - PROGRESS REPORT No 5 -APRIL/JULY 1994
Mr. Attie Swartz, one of the Programme's self-help construction advisors explains to a client
the possible location of her house. In the background, another starter solution under
construction can be seen.
Mr. Bryan Graig, another self-help construction advisor, inspecting the foundations of a starter
solution under construction.
7
OSHATOTWA HOUSING PROGRAMME - PROGRESS REPORT No V-APRIUJULY 1994
Chapter 2 - Upgrading Project
.
The f6llowing table provides details on the 38 loans already approved or ready
for approval:
13900
2 T. Amutoko M 3 720 M 1393 Freedom Land A9 18175
3 LNdilipunye M 6 685 M 1397 Freedom Land A10 24450
4 S. Phillipus M 4 1500 P 1402 Freedom Land A9 18174
5 KShuuya M 3 820 PS 1416 Freedom Land A10 24450
6 M. Daniel M 9 830 M 2972 Odululuka A10 24450
7 F.Martin M 805 M 1411 Freedom Land A10 24450
8 A.Joannes M 5 715 P 1381 Freedom Land AS 7250
9 K.Kakondo M 5 640 M 2832 Nangolo A10 24450
10 AShetuya F 7 630 PS 1396 Freedom Land A10 24450
11 LAntonius M 7 1170 P 1491 Freedom Land AB 15250
12 P.Hangula M 7 1115 p 2840 Nangolo AS 13250
13 M.AKasume F 4 1450 I 2830 Nangolo AB 15250
14 KNguali M 6 1175 PS 1399 Freedom Land AS 10550
15 A Tjombeka M 5 805 M 449 Grnwell Mtongo A10 24450
16 U.Nambala M 10 735 P 1380 Freedom Land AS 7250
17 AShikesho M 4 610 p 2676 Onheleiwa AS 7250
18 S. Deneinge M 5 860 M A 10 Grnwell Mtongo A10 24450
19 M.Lucas M 4 685 PS 2766 Nangolo A10 24650
20 M.Nduuntapo M 6 1635 P 2993 Nangolo AB 14685
21 AMweshininga M 8 645 PS 1409 Freedom Land A10 24650
22 J.Nghijelekua M 10 1470 p 1401 Freedom Land A11 17840
23 E.Paulus M 5 1285 P 461 Grnwell Mtongo AB 15000
24 F.Neliwa M 7 900 p 240 Grnwell Mtongo AS 10240
25 J.Mungungu M 3 450 G 2759 Nangolo AB 15850
26 J.Hamutenya M 4 1420 G 3018 Onheleiwa A10 26380
27 I.Nghilime M 8 780 G 3050 Onheleiwa A10 26370
28 H.Nuuyoma M 5 685 G 2590 Epandulu A10 26280
29 AAindji M 5 1110 G 2592 Onheleiwa A10 26280
30 LMweshinage M 4 840 G 227 Grnwell Mtongo A10 26270
31 J.Agustinus M 3 1250 G 3033 Onheleiwa A10 26250
32 I.Paulus M 7 1250 G 2585 Epandulu A10 26250
33 LShagama M 6 1100 G 2813 Nangolo A10 26250
34 D.Hidimokenya M 10 1250 G 2753 Nangolo A7 14850
35 AShilimondino M 3 490 G 463 Grnwell Mtongo A7 14850
36 M.Minaala M 960 G 2807 Nangolo A10 26250
37 M.Uunona F 3 825 G 2776 Nangolo A10 26250
38 J.Hendrik M 7 870 M 2777 Nangolo A10 26250
P: Private sector G: Government employee
I: Informal earner M: Municipal employee
PS: Working for a para-statal
Finished
Finished
Finished
Finished
Finished
Finished
Finished
Finished
Finished
Finished
Finished
Finished
Finished
Finished
Under canst
Under canst
Under canst
Under canst
Under canst
Under canst
Under canst
Under canst
Under canst
Under canst
Under canst
Ln.Apprvd.
Ln.Apprvd.
Ln.Apprvd.
Ln.Apprvd.
Ln.Apprvd.
Ln.Prepard
Ln.Prepard
Ln.Prepard
Ln.Prepard
Ln.Prepard
Ln.Prepard
Ln.Prepard
Ln.Prepard
The analysis of the table permits some interesting conclusions and shows some
tendencies. Only two families are headed by women, although according to the recent
socio-economic survey in the Upgrading Areas 20% of the households are female-
headed. Both average and median household size is 5, varying from 1 to 10 members
(survey average: 4,31).
The average income of these 38 clients is N$ 958 and the median N$ 850
(survey median N$ 800). Most of them have formal jobs: 26 (68,5%) in the public
9
OSHATOlWA HOUSING PROGRAMME - PROGRESS REPORT No V - APRIL/JULY 1994
Chapter 2 - Upgrading Project
sector and 11 (29%) in the private sector. Average income of Government employees
is N$ 953; for employees of para-statal organizations (like Telekom, Swawek and
Transnamib) N$ 787 and for Municipal workers N$ 777, well below the average N$
1180 for private sector employees or even the one informal earner, who earns N$
1450 a month.
Despite their higher incomes, private or informal sector earners usually opt for
the less expensive solutions. The average construction loan for these clients is N$
12.950. Clients with public sector jobs tend to opt for bigger and most expensive
houses, with an average cost of N$ 23.120. This is not surprising, given the fact that
their salary packages include housing allowances permitting them to afford bigger
loans than the take-home pay (excluding special benefits) would indicate.
As can be seen, in the initial 38 cases public sector employees are over-
represented, as according to the survey they constitute only 13% of the economically
active population in the Upgrading areas. This fact has probably been distorting
perceptions regarding the average cost of the starter solutions built. Even if their
income tends to be around 1 PHSL, some public sector employees have housing
allowances entitling them for loans up to N$ 80.000. If used to finance such expensive
houses, the starter solutions budget could be depleted before attending all interested
clients.
NHE is aware of this fact, and has established a ceiling of N$ 32.000 for the
maximum loan amount (erf + construction) that might be granted under the starter-
solutions scheme. Public sector employees desiring to use their full allowance are
encouraged to directly contact private developers or building societies to finance and
build their house. NHE had discussions with three private developers that have shown
interest in taking over these cases. (see annex 2.2/b)
The Oshatotwa team held a meeting in July to discuss the cost issue. It was felt
that it could be unfair to exclude from the program public-sector employees if they opt
for solutions falling within the established loan range. The possibility of "selling" these
loans to one of the building societies after completion of the house, in order to rapidly
replenish the revolving fund was analyzed. The feeling in the meeting was that the
building societies would only "buy" such loans after a period of at least 18 months with
a good repayment record from the clients. NHE will take over the issue with the
building societies to get their view. In the meanwhile, the SCAs will encourage these
clients to opt for less expensive solutions, but it is normal that they want to make the
most of their housing allowance.
Nearly one third (12) of the starter solutions completed or under construction are
in Freedom Land. This represents 12% of the available erven in the area, and this
convergence is gradually starting to modify the physical aspect and is certainly a
motivating factor for other settlers. In several other areas like Nangolo, Greenwell
Matongo and Onheleiwa there is a growing number of clients applying for loans.
10
OSHATO1WA HOUSING PROGRAMME - PROGRESS REPORT No 5-APRIL)JULY 1994
I . -
- -- ~ ll - ·---·- - · . "-~~·71'" ~ ~-~· - .__ . ,,. . .~!!'Ir ~ " ~-~~ .~ ~2'...:.~ ·-~-1;~~~,i:>:'·' .. ,,,:. . . ::;:/_ .
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A completed starter solution across the street from the Onguuo ye Pongo Community Center
Mr. Sa/tie/ Philipus of Freedom/and, has completed with his own resources the extension
of his starter solution. In PR IV (p.4) a picture of the works under way was shown.
11
OSHATOTWA HOUSING PROGRAMME - PROGRESS REPORT No V-APRIL)JULY 1994
Chapter 2 - Upgrading Project
An intePesting aspect observed in many cases is that families begin the
improvement/extension of their initial core with their own resources immediately after
the starter solution has been completed. As all of them were living in temporary
shacks for well over one year without making any major improvement, it seems that
the starter solution scheme effectively triggers the process of self-help, house
upgrading and mobilization of family assets. Annex 2.2/c provides details on owner
improvements in the initial five starter solutions.
2.3 Repayments, arrears, evictions
The repayment situation in the Upgrading Project is continuously monitored by
the Oshatotwa team. The overall picture is not encouraging: only 45% of the total
amount due as of the end of July had been recovered. The rate of recovery increases
from time to time, usually as a result of strenuous efforts by the CDCs.
This situation derives from the way the resettlement of Single Quarter squatters
was carried out, as described in the Progress Report No IV (pa. 6); the recovery rate
will probably continue to improve, but NHE does not expect to attain the over-95%
recovery rate standard of its other projects.
Repayments on the already completed starter solutions present a different
picture. There is not enough statistical information available yet, as most of the houses
were completed fairly recently, but the trend of repayments since January indicates
that recovery of costs will be up to standard. It appears that after completion of the
house, the client takes one to two months to start regular payments (probably the time
it takes to organize a stop-order with his employer), and then starts acquitting
regularly his monthly dues.
It is fair to differentiate between the repayment on erven loans and for starter
solutions. The Single Quarters squatters were forced to move and received a plot
where they were supposed to stay. It is clear now that a relatively important number
does not intend to remain there forever, and are not motivated to pay for something
they do not want to keep and was not their option. On the other hand, the fact of
deciding to build a starter solution indicates a voluntary choice for which the
households are prepared to assume the corresponding financial responsibilities.
NHE has decided to keep separate records on repayments for land sales and
for starter solutions. A specific project number will be assigned to the starter solution
component to move the accounts of clients obtaining a construction loan.
The following tables and graphs provide details on repayments:
13
OSHATOlWA HOUSING PROGRAMME - PROGRESS REPORT No V -APRIUJULY 1994
Chapter 2 - Upgrading Project
.~~ 1-~-· " en; I --~~~I '""~ · ..." ''""~'~"·· ,a\\:t,"H' I\\0cc?0 ,,. Okuryangava Onguo ye Pongo Greenwell Matongo TOTALS
Feb-94 N$due 38476.61 4007.11 19419.26 61902.98
N$ paid 19n2.54 1037.3 5031.96 25841.8
% 51.39 27.73 25.91 41.75
Mar-94 N$due 39595.43 4007.11 18817.16 62419.7
N$ paid 19297.26 1111.13 5605.26 26013.65
% 48.74 27.73 29.79 41.68
Apr-94 N$due 40285.74 4130.99 18817.16 63233.89
N$ paid 21474.34 1298.70 9629.18 32402.22
% 53.31 31.44 51.17 51.24
May-94 N$due 42633.89 4130.99 18817.16 65582.04
N$ paid 20994.2 1598.88 6878.18 29471.26
% 49.24 38.70 36.55 44.94
Jun-94 N$due 43427.4 4158.43 19241.16 66826.99
N$ paid 19581.57 1598.88 7931.86 28911.26
% 45.09 33.61 41.22 43.26
TOTALS N$due 204419.07 20434.63 95111.9 319965.6
N$ paid 101119.91 6443.84 35076.44 142640.2
% 49.47 31.53 44.50 44.50
No 1 2 3 4 5 6 7 10
Mthly due 268.78 504.72 473.12 364.11 479.43 498.57 498.57 178.08 526.31 494.87 308.15 301.24 4895.95
\\payment
Jan-94 270.00 66.30 0.00 0.00
Feb-94 268.78 66.30 0.00 120.00
Mar-94 268.78 583.31 457.65 630.00
Apr-94 268.78 483.31 457.65 330.00
May-94 268.78 483.31 457.65 250.00 0.00 66.30 66.30 66.30 66.30 0.00 0.00 305.25
Jun-94 200.00 483.31 457.65 0.00 0.00 539.68 534.79 70.00 66.30 0.00 78.46 305.25
Jul-94 200.00 483.31 457.65 364.11 0.00 539.68 534.79 0.00 526.31 0.00 0.00 0.00
Tot.due 1881.46 3533.04 3311.84 2548.77 1438.29 1495.71 1495.71 534.24 1578.93 1484.61 924.45 903.75 21130.80
Tot.paid 1745.12 2649.15 2288.25 1694.11 0.00 1145.66 1135.88 136.30 658.91 0.00 78.46 610.50 12142.34
Oiff. 136.34 883.89 1023.59 854.66 1438.29 350.05 359.83 397.94 920.12 1484.61 845.99 293.25 8988.56
% arrears 7 25 31 34 100 23 24 74 58 100 92 32 43
14
OSHATOlWA HOUSING PROGRAMME - PROGRESS REPORT No V - APRIUJULY 1994
Chapter 2 - Upgrading Project
Repayment performance - Upgrading areas - Feb/Jun 94
140 ~--------------------
120 +----~.-...::---------------
100 +----1-------=~------------
80 +----+------~;::------------
60 +--F----------=--~5~~~;;~~~~=-:::::: 40 .,.._____, __ ....,.,,:..._:_ ___ =_.::
20-+----------------------
0 --'-- ___ _,___ __ __,__ __ __.L_ ___ __,_ ___ __J
Feb-94 Mar-94 Apr-94 May-94 Jun-94 Jui-94
___. - Erven loans
-·-starter sol.loans
Up till now NHE efforts to secure repayment of loans has been through
motivation of the clients. However, sterner measures are going to be required, that
might lead as a last resort to the eviction of some clients. Evictions are politically
complicated actions, particularly in an election year, and NHE has adopted a gradual
policy that will initially address very clear cut cases of illegitimate occupation. At the
end of June, NHE began eviction procedures in two cases detected of settlers owning
houses elsewhere in Windhoek. Annex 2.3/a provide some indications on this subject.
At the ceremony of installation of the 4 new members of NHE's Board of
Directors, Ms. Libertina Amathila, Minister of RLGH raised the issue of non payment
of loans and arrears by NHE's clients. She said that after Independence, the
perception of many people was that the new Government should donate houses to
the people, which resulted in an unacceptable chain of payment boycotts. The
Minister gave her full support to NHE to step up legal actions against defaulters
through constant follow-up and repossession of houses. (See Annex 2.3/b)
During the visit that she paid the Programme the Oshatotwa CDCs raised with
her the question of how to handle non payers. Ms. Amathila suggested a gradual
approach. In the first place, NHE should seek to relocate these families in the
Municipal Reception Areas, perhaps swapping with households staying in the MRAs
able and willing to purchase an Oshatotwa erf. If evictions were still necessary, Ms.
Amathila suggested that NHE should implement them in limited numbers (3-5 per
month) in low-profile actions.
Both NHE's prior experience and Oshatotwa field worker's perception indicate
that once eviction notices are served and a few evictions are implemented, the
repayment rates will increase considerably.
2.4 Infrastructure improvements
Implementation of this component is substantially completed. Contractual works
with Herma Bros. for infrastructure improvements in Okuryangava were finished at the
15
OSHATO1WA HOUSING PROGRAMME - PROGRESS REPORT No V -APRIUJULY 1994
Chapter 2 - Upgrading Project
end of May, the only pending task is to complete the replacement of some erf pegs
removed during the work.
The total cost of works in Phase I amounted to N$ 766.004,55. A penalty of N$
7.500,00 was imposed to the contractor, bringing the total due to N$ 758.504,55, of
which N$ 718.504,55 have been paid and N$ 40.000,00 are still retained as
guarantee. The final cost of work in Phase II is not yet available. W/L Namibia Inc.
Consulting Engineers inform that the final amount will be below the tender price. The
contract amount was of N$ 1.240.268,68, out of which N$ 930.971, 13 have been paid
and N$ 40.000 retained as guarantee. The Municipality might request NHE to deposit
with them the amounts retained as guarantee.
Infrastructure works carried on by the Municipality are complementing NHE's
efforts, resulting in significant improvements in all project areas. In Okuryangava, the
paving and installation of street lights in all major roads is practically completed, and in
Greenwell Matongo similar works are currently under way, and the area CDC is
assisting in persuading some households to move their shacks when they stand in the
path of envisaged infrastructure lines. The urgency to install the envisaged public
lights in internal streets has diminished as illumination coming from major streets is
already covering part of the needs.
A meeting with the Deputy City Electrical Engineer was held on July 26 on the
site, and the relevant areas were described concerning the erection of street lights in
the internal streets by the Municipality. After over one year of follow-up it appears that
the Municipality will soon start work on this component, probably within a month.
2.5 Community Centers
" Onguo ye Pongo
All activities mentioned in PR IV (pag.10/11) are still ongoing. The kindergarten
continues to operate daily, church services are held on Sundays; a community choir
practices there twice a week. Adult-literacy classes run by the Ministry of Education
are held several afternoons a week and community meetings are held at the Centre,
often with the Regional Councilor attending.
The centre has also been designated as a polling station for the upcoming
elections; the MRLGH has provided 12 chairs and 8 tables for this purpose. The
Katutura Police has requested permission (that NHE has granted) to station a police
caravan, to provide 24-hour police service in the northeastern part of Okuryangava.
The proposal mentioned in PR IV to assist a group of handicapped handicraft
workers is being developed. Negotiations are under way involving NHE's Oshatotwa
team, the Ministry of Land and Resettlement and the Ombatero group to build a work
and storage facility in the CC site. The Ombatero is a group of handicapped artisans
doing knitting, sewing and basket-weaving, most of whose members live in Onguo ye
Pongo) Nangolo and Onyeka. The Oshatotwa Programme will facilitate the site and
16
OSHATOlWA HOUSING PROGRAMME - PROGRESS REPORT No 5 - APRIL/JULY 1994
Adult literacy classes at the Onguuo ye Pongo Community Center.
Another view of the adult literacy courses at the Onguuo ye Pongo Community Center
17
OSHATOTWA HOUSING PROGRAMME - PROGRESS REPORT No V - APRIUJULY 1994
Chapter 2 - Upgrading Project
will assist the group matching with project funds each Namibia dollar that they raise
for this purpose, up to a maximum of N$ 20.000,00. On July 20 NHE wrote to the
ML&R offering the collaboration and submitting a concrete proposal and tentative
plans for the facility (Attached as Annex 2.5/a). Occasionally the group shares space
with the area SCA in the room he uses as site office.
" Okuryangava
The Center is actively used by the Oshatotwa team as field office and for
meeting with community special interest groups. Tables, racks and other office
equipment have been installed, some provided by NHE and some financed with
project funds. A small independent structure (Bavaria hut) was built as a deposit to
store materials and tools for the starter solution project, and some plants and trees
added in the courtyard. It is regularly used for community meetings and other
activities.
The Centre has also been designated as one of the polling stations in
Okuryangava. The Ministry of Home Affairs and the Regional Councilor are using the
Centre as a meeting place for planning election procedures for the upcoming
elections.
" Greenwell Matongo
Unhappily, further delays are to be reported on the construction of this facility.
Greenwell Matongo is a new area sorely lacking community services, which justifies
the need for a relatively bigger facility. An initial design and cost estimate was
submitted by fax to the CTA in mid-May, but the costs exceeded the budget
provisions. The need to revise the design explain some of the delays. As of the end of
July, final drawings, bill of quantities and tender documents were under preparation by
NHE's Technical Services Division, and it was expected that the tender could be
called at the end of August with construction to begin during September. In the
meanwhile NHE continues to station a caravan from where the area's CDC and SCA
operate. The attached plans shows the proposed facility.
Discussions are under way with the Namib Post to set up some mail service
(probably mail boxes serviced once or twice a week) and with Telekom to provide pay
phones for public use in all three centers.
The concept of community responsibility for the centers has been difficult to
grasp. Only now that the Ombatero group wants to build a facility in one of the sites
the community is beginning to understand their responsibility for the centre.
Community awareness of management, including sharing operating costs is just
beginning to be understood by the Ombatero committee, and is expected that they will
influence the Center's management committee in this sense. Management guidelines
for the centers developed by the team are attached as Annex 2.5/b.
19
SECTION A - A
SCALE 1 : 200
Project
Description
Dale
NATIONAL HOUSING ENTERPRISE
16/08/94
7 Omuramba Roac, Eros · P.O.Bo; 20192, Windnoek
Teiephone (06 i) 37224 Fm (061) 222 JC1
Drairn
JS
SECTION B - B
SCALE 1 : 200
FLOOR PLAN LAYOUT
SCALE 1 : ZOO
B
6
0S1-¾TOTWA - COlAMUNllY WITRE - GOREAHC'AB, EXTENS:ON 1
FLOOR lA YOUT AND SECTIONS
Scale Rc~ision Orair:nc number
1 : 200
Approved Sc Dale
JUL~ 94
OSHATO1WA HOUSING PROGRAMME - PROGRESS REPORT No V-APRIL)JULY 1994
Chapter 2 - Upgrading Project
' 2.6 CommLlnity development
Several important activities were carried on during the period. Besides the
marketing campaign on starter solutions already described, the CDCs initiated
discussions with all clients in serious arrears, inviting them to personal interviews to
discuss their responsibilities for payment, an ongoing task. They found that a number
of clients unable to afford their erven and wanting to give them back, although do not
have an alternative legal place to stay. Others that want to keep their plots profess
inadequate current incomes (including some that recently lost their jobs). In this cases
the CDCs encouragethe client to make at least token monthly payments till the time
their financial circumstances improve.
As suggested in the evaluation workshop held in February, a socio-economic
survey was conducted to update and improve knowledge of the target population. A
total of 140 interviews were completed from March to April; data entry and analysis
was done at SUM Headquarters in Wiesbaden and a report on the findings submitted
to NHE and K'Nv in June.
As compared with the survey conducted during the Inception Phase, it appears
that a process of community consolidation is ongoing: the gender ratio is improving,
there are more children living with the families. Copies of some relevant survey
findings are attached as Annex 2.6/a.
" Public toilets:
The CDCs brought back from their field work the need expressed by some
communities to have semi-public toilets with use limited to a reduced number of
people (the possibility of building additional facilities of this nature of was discussed
earlier, see QPR I page 10). This results from problems experienced with the earlier
facilities which have been poorly looked after and are in a state of serious disrepair.
The prefabricated toilet buildings erected earlier during the resettlement are not well
suited to this intensity of use, are difficult to secure and the plumbing is too exposed.
The first group that approached the project to discuss this possibility is the Ehafo
group living in Nangolo. The Project Coordinator insisted on having the users of the
toilet sign an understanding that they will have to be responsible for all aspects of the
maintenance and running of the facility. The Nangolo group is well organized and the
team feels that the erection of a robust facility will be a positive contribution. They
have opened a joint savings account at NHE and have already saved N$ 7 000.00
towards the facility. The Field Coordinator designed a two-toilet block to built out of
brick with a standpipe, with an estimated cost of around N$ 7 500.00, and the team is
discussing how much the programme could contribute. In July by the Field
Coordinator surveyed potential locations in Greenwell Matongo where similar kind of
facilities could be to built.
The CDCs also transmitted to the team the request made by some households
to build pit latrines in their plots, as they felt could not afford conventional toilets. The
team inquired whether this type of facilities would be acceptable for the Municipality.
21
OSHATOTWA HOUSING PROGRAMME - PROGRESS REPORT No V-APRIUJULY 1994
Chapter 2 - Upgrading Project
The City Engineer Department communicated that, although they do not like pit
latrines, they are prepared to accept them in Okuryangava and Goreangab, so long
as they are requested by the people and built up to municipal requirements. Annex
2.6/b provides further information on these issues.
2.7 Community facilities in the Upgrading areas
During July, a survey was conducted to update the information collected at the
Inception Phase on community and social facilities (see Annex 5/a, Inception Report).
Not much has changed since that time. Retail outlets are the only facilities which have
been developed. A number of informal markets (actually just a collection of informal
traders) have developed along the main pedestrian thoroughfares.
In Okuryangava there is still only one clinic and no formal schools. The day-care
centre run by the Red Cross and the kindergarten run at the Onguo ye Pongo Center
are the only other educational facilities. The two centers built by the Programme are
the only community centers in operation. The Woman's Centre on erf 683 is operating
again, after a hiatus involving the mismanagement of funds.
In Goreangab, there is only one supermarket/bottle store. There are no other
facilities, and because the community is small and isolated is seems as though this
situation will not change much until the area has grown. The closest facilities are at
Wanaheda (primary school, clinics, police station). Informal sellers are to be found
dotted around, no real concentration has developed as in Okuryangava. The attached
plan shows the location of existing facilities. Relevant Ministries and other institutions
are going to be contacted to find out about Mure plans for the area.
2.8 Squatter resettlement program
The Municipality is taking a strong stand regarding uncontrolled squatting in
Windhoek. On the one hand, it is servicing a number of relatively inexpensive 200 m2
plots in the Goreangab area. They will be offered to interested low-income families for
prices as low as N$ 4.000,00 and with a financial scheme that require a 10% deposit
and the balance paid over five years at market interest rates.
On the other hand, the Municipality has prepared a squatter resettlement
program (see Annex 2.8/a). For this purpose, a reception area is being developed to
the North of the electrical power lines in Okuryangava extension 6. When completed,
it will provide space for some 4.000 families. Around 300 have already been resettled,
and further developments are under way. From the point of view of the Oshatotwa
Programme, this reception area may provide in time a much sought alternative to
relocate families that can not afford a serviced plot or for some reason do not desire to
.._/
remain in the Project areas.
22
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I
OSHATOlWA HOUSING PROGRAMME -- PROGRESS REPORT No 5-APRIL/JULY 1994
Chapter 3 -- Core House Project
' 3. CORE HOUSE PROJECT
3.1 Land development
Construction of infrastructures for all three sites is completed. For Okuryangava
erf 41 and Khomasdal erf 5841 the works finished in last April; for erf 1430 in
Khomasdal the certificate of completion was issued in July 24. Some municipal
conditions remain to be fulfilled before obtaining the approval certificate required by
the Surveyor General to register of the plans. Until this is completed, deeds of sale
and mortgages can not be legally entered for the new erven. Annex 3.1/a provide
details on these requirements.
The total cost of land and development is now available for the Khomasdal erf
5841 and Okuryangava erf 41. The following table resumes the different items and
provides a comparison with estimates included in the QPR II (Pa. 31)
ACTUAL COSTS IN N$ ACTUAL COSTS IN N$
ITEM KHOMASDAL ERF 5841 (66 erven) OKURYANGAVA ERF 41(63erven)
MUNICIPALITY 528.996,84 301.'ZT7,78
Purchase of land (1) 486.156,99 293.277,78
Endowment fee 12.000,00 8.000,00
Interim rates and taxes (2) 30.839,85 0,00
PROFESSIONAL FEES 70.000,00 52.000
Consulting Engineer 50.000,00 32.000,00
Land Surveyor 20.000,00 20.000,00
DEVELOPMENT WORKS 422.818,07 211.818,44
Namibbeton contract 317.818,07 205.818,44
Electrical reticulation 99.000,00 Qncluded in land price)
(estima!e)
Street lights 6.000,00 6.000,00
(estimate) (estimate)
TOTAL COSTS 1.021.814, 91 565.096,22
AVERAGECOSTPERERF 15.482,04 8.969,78
EST/MA TES IN QPR JI (3)
Municipality 481.000,00 293.000,00
Professional fees 46.000,00 43.000,00
Development works (4) 318.000,00 206.000,00
Total cost 845.000,00 542.000,QO
Average cost per erf 12.800,00 8.600,00
Notes: (1)
(2)
(3)
(4)
The Okuryangava land was only paid in June 1994; interim rates and taxes are due only from that date
Interim rates and taxes increase the land cost by an estimate N$ 1,90/erf/day
Based on information provided by Consulting Engineer
Cost for electrical reticulation was presumed to be included in land price as in Okuryangava
Costs for erf 1430 in Khomasdal are likely to be similar to those incurred for erf
5841. Costs for the Khomasdal erven are substantially higher than in Okuryangava,
as shown in the following table:
25
OSHATO1WA HOUSING PROGRAMME -- PROGRESS REPORT No 5-APRILJJULY 1994
Chapter 3 -- Core House Project
AVERAGE COSTS OKURYANGAVA KHOMASDAL DIFFERENCE
PURCHASE AND RELATED 4.782,19 8.015,10 +67,6%
DEVELOPMENT COSTS 4.187,59 7.466,94 +78,3%
The same planning criteria, consultants and contractor were used by NHE for
both locations. The variation in cost result exclusively from Municipal land pricing
policies and the different development standards imposed for each location. Although
it might not be an intended effect, the outcome of these municipal criteria is the
perpetuation of economic segregation in Windhoek.
3.2 Core-house construction
Otjomuise
The contract for the 105 core-houses at Otjomuise initially envisaged to proceed
with construction in batches of 30 units, to allow clients' time for completing their initial
savings. Construction of 60 houses started on April 11, and total completion was
anticipated for mid-January 1995. As NHE's marketing of the houses progressed
more rapidly than expected, all 105 units are now under construction. At the end of
July the contractor informed NHE that 27 houses could be finished by August 12.
Completion of the project is expected by mid-November 1994.
NHE could now start handing over completed houses to their new owners but for
problems with electrical supply. In November 1993 NHE wrote to the City Electrical
Engineer Department. communicating the envisaged work schedule and requesting
the electrical connections, but the Municipality has not yet been able to complete the
network. In addition, it seems that no individual meters for the houses are available at
the moment.
Some 30 of the initially selected clients canceled their options after visiting the
construction site, finding the houses smaller than expected. The houses were
immediately re-allocated to other registered households.
Developments at Otjomuise are progressing at a dramatic speed not envisaged
before. New roads and hundreds of houses may now be seen in what was the
uninhabited landscape of two years ago. However, community and commercial
facilities are still sorely lacking, making more urgent the need to a community center
for the area. NHE is addressing the Municipality to explore the possibility of obtaining
land for this purpose on similar conditions as in the Upgrading Project. A draft letter to
the Town Clerk is attached as Annex 3.2/a
Okuryangava erf 41
The project was simplified as compared with Otjomuise, reducing the number of
options on floor-plans and finishes. Marketing was successful, and all 63 houses are
already sold. To reduce the problem of cancellations, the Oshatotwa team is taking
the clients to visit completed core-houses at Otjomuise before actually signing their
contracts.
26
l 200
;::eo
37100
OSHATO"TWA HOUSING PROGRAMME - PROGRESS REPORT No 5-APRILJJULY 1994
At the time of marketing the core-house project, Mr. Petrus Asino, Oshatotwa's Office
Administrator, explains the different housing options to a potential client
Various different house-types nearly completed may be seen in this
view of the Otjomuise core-house project under construction
27
OSHATOlWA HOUSING PROGRAMME -- PROGRESS REPORT No 5-APRILJJULY 1994
Chapter 3 -- Core House Project
Tender ,documents· for the construction of this simplified core-houses were
prepared and a tender invited in July, closing on August 10. Ten offers were received,
with prices ranging from N$ 1.157.950 to N$ 1.797.530. Average construction cost
with the lowest offer will be N$ 18.400, a sensible decrease from the N$ 24.000 at
Otjomuise that reflects the reduction in sizes and number of options introduced for this
second project. NHE intends to allocate the tender immediately and begin
construction before the end of August. Construction period is estimated at 25 weeks.
Khomasdal, erf 1430
After completion of land development, the Municipality decided that an initially
requested storm-water drainage servitude was not needed. The lay-out plan was
revised and two new erven could be added by reallocating the land previously
earmarked for that purpose, bringing to 102 the total number of plots.
The evaluation of experiences in the two initial core-house schemes, permitted
the Oshatotwa team to revise and adjust some of the concepts and adjust the
proposal for this 102 core-house project. The following ideas will be experimented:
" To keep initial costs at the minimum, options not considered essential and easy
to add by the owner at a later stage (like internal paint, geysers etc.) will not be
offered.
" The number of alternative basic floor plans has been reduced to three, although
each with several options for future improvements and extensions. The revised
plans are shown in pages 32 to 34. Bill of quantities and cost estimates for each
potential improvement will be prepared.
" The initial construction will include the foundations for a first stage of extension.
Building foundations is perhaps the least "glamorous" part of self-help
construction. Experiences in other countries show that the improvement process
is greatly motivated when foundations are provided and raising walls can start
immediately.
" Three show houses (one for each alternative floor plan) will be built on the site
for marketing purposes. They will be sold at this stage and their owners will
move in after marketing is completed.
" Marketing will be done at the site, stressing the incremental housing idea with
the show houses in view, indications about possible future extensions and
potential for building material loans.
" Prices for plots will be adjusted according to their size, topography and location,
and an internal cross-subsidy scheme will be introduced for land costs.
NHE expect to have the show houses built by the end of October, and to call
tenders for construction before the end of 1994. Construction could start after the End
of Year holidays.
Khomasdal erf 5841
As described in chapter 4, these erven have been re-assigned for
implementation of the Loan Guarantee Fund pilot project.
29
OSHATO1WA HOUSING PROGRAMME - PROGRESS REPORT No 5 - APRILJJULY 1994
Chapter 3 - Core House Project
" Total number of solutions
With the assignment of 66 Khomasdal erven for the Loan Guarantee Fund pilot
project, the core-house scheme encompass actually 268 houses: 103 in Otjomuise,
63 in Okuryangava and 102 in Khomasdal. Construction of the Otjomuise project will
require roughly N$ 2.500.000, and Okuryangava roughly N$ 1.150.000. With the
adjustments introduced, construction costs for the Khomasdal project are expected to
be in the order of N$ 2 - 2.100.000, bringing the total investment to some N$
5.750.000. That will leave some N$ 786.000 of the budget allocation, permitting the
construction of some 37 more core-houses.
In order to establish precisely how many core-houses might be finally built, once
total land development and construction costs for the Khomasdal core-houses are
known a review of this component's budget will be made along the following lines:
" As NHE is prepared to assign additional developed plots at Otjomuise, some
grant money will be saved from budget post 2.2 (land development) that can be
re-allocated for construction.
" Additional funds in Namibia dollars will result from future exchange-rate
differences
" Funds could be transferred from the contingencies post and perhaps from other
budget posts as well;
" NHE might recover from SWABOU the capital invested in the development of erf
5841 at Khomasdal in time to funnel it to the revolving fund and apply it for the
construction of more core-houses.
It is expected that this future revision will permit to reach the envisaged target
number of solutions.
Selection of beneficiaries
Despite the recommendations made by KfW's February Mission in the Minutes
of Meetings and the criteria set in the Progress Report No 4 (Pa. 47), problems persist
in the affordability calculation while selecting beneficiaries for the core-house projects.
Both for the Otjomuise and Okuryangava projects clients were selected using the
conventional NHE system; as a result, some 32% of them have incomes in excess of
those established in the Separate Agreement.
The matter was brought to the attention of NHE management and members of
the Oshatotwa Team doing the job, whom assured that steps to correct the mistake
will be taken. NHE's justification was that clients for these programs were registered in
October, before KfW mission's remarks, and that it was difficult to go back after having
informed them. For that reason NHE decided to proceed with its conventional system.
NHE often experiments difficulties to establish accurately family size for the
purpose of affordability calculation. The usual concept of nuclear family does not
always fit well with what NHE clients consider to be their family, whose size may
greatly vary in a short period of time. Persons declared as family members at the time
30
OSHATO1WA HOUSING PROGRAMME -- PROGRESS REPORT No 5 - APRIL/JULY 1994
Chapter 3 -- Core House Project
of registratici~ may no longer be with the family a few months later. On the other hand,
a man may take a (sometimes only temporarily) a new "wife" and consider her
children as members of his family.
A thorough re-checking of beneficiaries selected for the core-house programme
was performed to detect inconsistencies regarding family size. Annex 3.2/b include
tables listing the clients and their income compared with the affordability criteria set in
PR 4. For the 103 Otjomuise houses, 60 clients all within the criteria and 28 have
incomes in excess to various degrees. For 15 clients detailed information was not yet
available at the time of preparing the report.
It is interesting to note that the average family size of all households is 3,82 (as
compared to 5 in the upgrading areas), and the average household income N$
2.091,00, compared to N$ 958,00 for 38 clients of starter solutions.
31
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7 Omuramba Poad, Eros · P.0.8ox 20i92 Windhoe(
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7 Omura:noa Road, Eros · P.O.Box 20192, Wirchoek
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OSHATOTWA HOUSING PROGRAMME - PROGRESS REPORT No 5 - APRIL/JULY 1994
Chapter 4 - Loan Guarantee Fund
I
4 LOAN GUARANTEE FUND
The execution of a pilot project as a way of starting the implementation of the
Loan Guarantee Fund scheme was suggested to the Building Societies last February.
In the Progress Report No IV (pag. 26-27), the outline of a possible programme was
developed. NHE has pursued the matter receiving proposals from two private
developers: Prestige Properties (that intended to build too expensive houses) and
from Horizon Development, with whom the idea was further developed. The first
program to be financed under the LGF scheme is now on the making along the
following lines:
NHE
Is coordinating and monitoring the programme, facilitating the land and
guaranteeing the loans through the LGF. The project will encompass 66 incremental
houses be developed in erf 5841 in Khomasdal, developed by the Oshatotwa
Programme for the core-house project. The initial idea of providing developed land at
Otjomuise proved not feasible, as the Otjomuise land was not yet proclaimed thus the.
Building Societies could not operate there. For the pilot project guarantees for loans
have been increased to 30%.
Building Society
On May 27 SWABOU wrote to NHE informing the NHE that the Board had
approved in principle to finance the project based on a maximum selling price of N$
52.500, with an initial saving of N$ 2.500 required. The remaining N$ 50.000 to be
financed by SWABOU to approved private individuals, backed by a 30% guarantee
from the LGF. Furthermore, SWABOU established some specifications for the kind of
house to be built. SWABOU's letter attached as Annex 4/a.
Private developer
Horizon Development (Pty) Ltd. has prepared the building plans and
specifications; is marketing the houses within the K'NI/ guidelines and will realize the
construction, at an average cost of N$ 33.000. Annex 4/b include press adds and
publications regarding the project; the 3 house types being offered and construction
specifications.
Implementation of the project was delayed due to bureaucratic requirements.
Issues like naming the newly created internal streets (a task the Oshatotwa team
intended to set aside as an exercise for the building of the future community) needed
to be sorted out before the Municipality would issue the final certificate of approval
required by the Surveyor General to register the plans (and thus enable the Building
Societies to register mortgages and deeds of sale). After NHE supplied the requested
information, the Municipality issued the required certificate on July 27th (see Annex
3.1/a). It is expected that the Surveyor General's office will complete registration
before the end of August, permitting the project to continue.
35
OSHATOlWA HOUSING PROGRAMME- PROGRESS REPORT No 5-APRILJJULY 1994
Chapter 4 - Loan Guarantee Fund
' In orde~ to speed up the beginning of implementation, NHE will now provide an
intermediate guarantee of up to N$ 500.000 to building material suppliers till the time
mortgages can be registered and SWABOU's financing is fully operative. This
guaranteed line of credit will permit Horizon Development to begin construction
immediately. At the end of July about 15 project houses were already sold, and
marketing by Horizon Development was ongoing.
The project will mobilize an estimated N$ 3.470.000 in funds from the private
sector, of which N$ 165.000 as initial savings from beneficiaries. It will also permit
NHE to rapidly recover N$ 1.020.000 that has invested in purchasing and developing
the land, and re-invest into the low-income housing revolving fund envisaged in the
Separate Agreement at least the part that was co-financed by KfVV. After a slow start,
it seems that the LGF will begin to bear fruits.
i
36
HORIZON DEVELOPMENT - HOUSE TYPE FOR LGF PILOT PROJECT
0
0
ELEVATION CD
PLAN
I
~I
I
... : ..
I
I
HOUSE TYPE B
45,30 m2
OSHATO1WA HOUSING PROGRAMME - PROGRESS REPORT No 5 - APRIL)JULY 1994
Chapter 5 - Building material loans
5 BUILDING MATERIAL LOANS
NHE has developed all internal procedures and computer systems for the short
term loans envisaged for this component. Test marketing to existing NHE clients who
are up to date with repayments and are employed by the private sector has been
done, with little response.
A more comprehensive offer was included in the July issue of the NHE News
newsletter that is distributed among all NHE homeowners. Loans up to N$ 5.000
repayable over a period of up to three years were offered. Procedures to obtain these
kind of loans are greatly simplified as compared with conventional NHE loans, and
NHE expects to be able to process an application and grant the corresponding loan in
a period not exceeding one week.
At present, the scheme is offered exclusively for NHE clients living in
Windhoek, but it is already envisaged to extend it to non-NHE clients and, in the
future, to other cities in Namibia. A copy of the article in NHE newsletter is attached as
Annex 5/a.
37
OSHATOlWA HOUSING PROGRAMME - PROGRESS REPORT No 5-APRILJJULY 1994
Chapter 6 - Institutional development
6 INSTITUTIONAL DEVELOPMENT
Internal to NHE
The Oshatotwa Programme is now fully perceived within NHE as their own
project. Both at the Senior Management and at the execution levels the understanding
of the Programme, monitoring of progress and cooperation in day to day tasks has
substantially increased, a fact that is positively reflected in the accelerating pace of
implementation.
The Senior Manager, Technical and Marketing Services is closely following up
developments. His Department is currently assisting the Oshatotwa team in
marketing, drawing plans, preparing bills of quantities and cost estimates, supervising
construction, following-up contracts and many other tasks.
The Senior Manager, Financing, Planning and Control is personally coordinating
the implementation of the Loan Guarantee Fund pilot project and the Building Material
Loans scheme. His department has adjusted internal procedures and computer
software to better permit project monitoring and control. Katutura's Financial
Department branch is assisting the Programme implementing eviction procedures as
requested by the Oshatotwa team.
The Personnel Department cooperated in the organization of the training course
for team staff. Oshatotwa-related tasks are now a daily routine like for any other NHE
project, and are no longer considered an interruption of the normal tasks on behalf of
an outside agent.
NHE made budget provisions to appoint the CDCs as permanent staff from July
1, 1994. However, as the CDCs expressed their desire to remain under the
consultant's contract till its original date of expiration (October 94), they have only
signed an agreement to join NHE afterwards. The three parties involved (the CDCs,
NHE's Personnel Department and the consulting consortium) are still discussing the
issue.
At the beginning of June the consulting contract with Ms. Aune Tjirare, one of the
Community Development Coordinators had to be terminated due to growing
incompatibilities between her views and those of other team members. Ms. Tjirare
was responsible for the eastern sector of the upgrading area; her task is being
temporarily covered by the other two CDCs. NHE has already interviewed several
candidates to replace her, but a final decision has not been reached yet. The new
CDC will be directly hired by NHE.
Internal relations and communications have improved within the Oshatotwa
team, partially as a result of the training trip and course they had in the first quarter.
Bi-weekly meetings are regularly held to review project developments and assign
tasks. Improvement of communications with other parties is still required.
39
OSHATOlWA HOUSING PROGRAMME - PROGRESS REPORT No 5 -APRILJJULY 1994
Chapter 6 - Institutional development
'
Another field requiring improvement is the exploitation of available information.
As a result of Programme's activities all kind of information is collected (regarding
people's priorities, incomes, construction costs, etc.). If properly evaluated, it could
serve as a basis to adjust project proposals. However, the intense workload and the
pressure of day to day tasks prevents the team members to make time for this
important function.
Inter-institutional
At the end of July Ms. Libertina Amathila, Minister of Regional and Local
Government and Housing indicated to NHE her interest in visiting the Oshatotwa
Programme to personally appraise th~ progress. A field visit was organized at the
beginning of August, when a delegation of NHE, headed by Ms. Maria Dax and
including the Project coordinators and consultants accompanied the Minister and
briefed her on the Programme's achievements. Written information handed to Ms.
Amathila on the status of the different components, programme disbursements, loan
recovery and other basic aspects complemented Mr. W. Schulte's verbal
explanations.
As already mentioned, the infrastructure improvement works carried on by the
Municipality in the Upgrading areas are complementing Oshatotwa Programme's
efforts. The CDCs collaborate with the Municipality in convincing owners of the need
to move their existing structures if they stand in the path of the envisaged
infrastructure lines. NHE expects that in future the Municipality will make available
sites in the newly created reception areas if the need arises to relocate households
from the Project areas.
In point 2.5, the growing cooperation with other Ministries (Education, Health,
Land and Resettlements) was described. Usually the cooperation is for specific tasks
involving the use of the Community Centers. The area Regional Councilors continue
to support the Programme and assist the Oshatotwa team in community relations.
40
OSHATOlWA HOUSING PROGRAMME - PROGRESS REPORT No 5 - APRIL/JULY 1994
Chapter 7 - Finances
7. FINANCE
7.1 State of accounts
KfVv grant
At the beginning of July KfVv transferred DM 1.500.000 to replenish the
Disposition Fund Account. After deduction of DM 20 as Bank fees and N$ 167,00
charges for the foreign exchange transaction, an amount of N$ 3.377.405,60 was
credited to the account in July 6. Furthermore, KfVv disbursed directly one installment
of DM 120.000 for consulting services performed during the first quarter of 1994. The
total amount disbursed from the grant stands now at DM 5.448. 785, the balance to
disburse at DM 4.151.215
Disposition Fund
In the second quarter of 1994 the system of provisional approvals of
disbursement authorized by fax by the Chief Technical Advisor while away from
Windhoek was put into operation. On May 13th a first provisional approval totaling N$
447.860,82 for various concepts was sanctioned, followed on May 24 by a second of
N$ 558.644,95 to reimburse NHE for payments related to the construction of core-
houses at Otjomuise. Upon arrival at Windhoek, the CTA reviewed the documentation
related to the provisional approvals, and prepared final authorizations adjusting minor
inconsistencies. Furthermore, in the month of July 57 new approvals for disbursement
were authorized, for a total of N$ 1.728.547,83. Annex 7.1/a provides details on the
approvals for disbursement. The following chart indicates the percentage of total
expenditures spent for different components during the period.
CoMlruetionol......-
!52%
PERCENTAGE SPENT IN DIFFERENT COMPONENTS
2nd and 3rd Quarte, 111114
41
OSHATO1WA HOUSING PROGRAMME - PROGRESS REPORT No 5 - APRIL/JULY 1994
Chapter 7 - Finances
The following table resumes the Disposition Fund account movements since January
1st, 1994:
QR'TR. DATE DESCRIPTION DEBIT CREDIT BALANCE
Brought forward 4197256.92 6195136.92 1997880.00
1st 300194 Interest 16945.38 2014825.38
150294 Wrthdr. OF- - 15 - 17 & 31 550546.19 1464279.19
280294 Interest 14468.n 1478747.96
160394 Wrthdr. OF - 32-38 318173.04 1160574.92
280394 Interest 10606.70 1171181.62
2nd 280494 Interest 10245.43 1181427.05
150594 Wrthdr. OF -- Pr.Appr.1 447860.82 733566.23
260594 Wrthdr. OF - Pr.Appr.2 558644.95 174921.28
280594 Interest 8169.79 183091.07
280694 Interest 1549.00 184640.07
3rd 60794 KfN transfer 33n405.70 3562045.n
190794 Wrthdr. OF -- 60 - 102 1292427.65 2269618.12
260794 Wrthdr. OF -- 103 - 104 404214.82 1865403.30
280794 Wrthdr. OF -105-115 31905.56 1833497.74
280794 Interest 19893.70 1853391.44
TOTALS 7801029.95 9654421.39 1853391.44
An amount of N$ 50.464,62 - equivalent to DM 22.428,72 - was paid between
March and July into the Disposition Fund Account as interest earned. However, NHE
has detected some inconsistencies in the way the Commercial Bank calculated
interest for the months of May through July, and is requesting the Bank to revise the
amounts.
7 .2 Adherence to disbursement schedule
Toe next chart and table shows the evolution of programme disbursements
since the Inception Phase till the third quarter of 1994
al z
8000.00
7000.00
6000.00
5000.00
4000.00
3000.00
OSHATOTWAPROGRAMME
Envisaged and actual disbursements (N$ X 1000)
' - " 3677.45
" .. Series1
-"-Series2
2000.00
-·-·· ···········-··~ @65~ . ····2ff.¢0:50··"·-·-·-·-·~· ----------
___ ._2_28. -~·--·- "" ,i:3.:.~-~~~ 5:Q9;;;······)..!!°-rZ--. f 2057.34
1000.00 l"._.J_t40.90 2:35··~·····;;;;··"-~ 190.00
0.00 I "I'
1sta-93 2ndQ-93 3rdQ-93 4thQ-93 1sta-94 2ndQ-94 3rdQ-94
Note: Disbursements for third quarter only till end of July. Envisaged disbursements refer exclusively to K!W funds - See 7.4
Inception Report (Pa. Tl). Actual disbursements include all sources of finance.
42
OSHATO1WA HOUSING PROGRAMME - PROGRESS REPORT No 5 - APRILJJULY 1994
Chapter 7 - Finances
FIGURES INN$ x 1000
COMPONENTS
1. UPGRADING AREAS
1.1 Land & basic infrastr.
1.2 lnfrastr.improvemt.
1.3 Starter solutions
1.4 Community centers
2 CORE-HOUSES
2.1 Land & basic infrastr.
2.2 Land development
2.3 Core-house construct.
24 Community centers
3. LOAN GRNTEE. FUND
3.1 Loan Guarantee Fund
3.2 Private sector loans
IIIIJ\\+"----. ---1-9 ..... 93-3-rd._qt_r ...--4t-h-.qt-r-+---~- 1-9-.--~-rd ___ qt--lr" &lii 1st.qtr 2nd.qtr 1st.qtr 2nd.qtr
.·.···999&····'·······"" . .: ............ P8.: .."".".".".". : : :." 0.00 325.44 326.26 11-3.45~&.I :::::::::::::::::::::::::::::":-:-:-·,".·. :i:mlr:il 0.00 0.00 0.00 ~LOO
0.00 5234.01 981.72 478.22
0.00 5221.00 0.00 0.00
1~;~ 0.00 253.15 194.28 :::::1:~~ii
::::m~1~1:: o.oo o.oo 103.69 ft22S·1s
0.00 0.00 801.38 431.16
0.00 0.00 85.10 40.96
@fA~;oo: o.oo 12.20 20.20 i!:!i!:::g~1.iii 0.00 13.01 95.24 6.10
ia~1: 0.00 1040.05 1488.0.0076.!.1.: .". ! .:.~.":·:".'.· ·".···;·"":" " : ". -.: .64."~: .·· ·.n.".····".:.:.1. : ~l:7:g} o.oo 1039.50 ,= r.v
·-:::-·-·-·.·.·.·-·-·-V-- -·-·-:-:-:-:-:-·
0.00 1895.20
0.00 1895.20
0.00 584.63
0.00 0.00
td:asaoo
111);1
:
11:::::::;;1:
n~«t
:::1i9il
J~ioo
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00 1900.00
0.00 1900.00
0.00 0.00
0.55
0.00
0.00
0.00
0.00
0.00
0.00 0.00
0.00 584.63
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
576.02 ::1:::mt1;:
912 75 !:::!~liltl
o.oo "<t::::::moo
0.00 f190b;_QO:
-:-:-·-·-·".···············
0.00 11U.od
o.oo :t::r:tµji
4. BLDG.MATERIAL LOANS "t~ffi¼~ 0.00 0.00 0.00 0.00 0.00 0.00
5. ClY. DEVPT. FUND ) 87:l'OQ 11.88
5.1 Production of 2 videos [(Iifoo 8.00
5.2 Unassigned ::::: ::I1r1,I: 3.88
6. NHE ADM/TECH. COSTS i~~f 250.00
6.1 Personnel * ):::\\=~~1\\1 250.00
6.2 Land survey/Eng. fees :::"::M3'[00 0.00
0.00
0.00
0.00
60.00
60.00
0.00
0.00
0.00
0.00
21.29
20.71
0.58
95.00 337. 70
95.00 135.00
0.00 20270
0.00
0.00
0.00
275.00
190.00
85.00
0.00
0.00
0.00
247.00
190.00
57.00
7.32 tit~~
7.10 {'::f "$$.,jj
0-22 Ii::::I::IiII:
7. CONSULTANTS
7.1 Inception phase
240.00 0.00 "" ~1teo 860.oo 140.oo 240.oo 240.oo o.oo fWl2l-«J:
.","-:-:-:-:"·········· ·":":V:".·.· ". """
7.2 Implementation phase
0.00 0.00
240.00 0.00
If~gg: 520.00 o.oo o.oo o.oo o oo "t""520'{jcf
I29i1100: 340.oo 140.oo 240.oo 240.oo o:oo ii~ I
:=::::;:"::=::;:;:::::;:::::-:-:-:-·-·-:-·-
8. RESOURCE CENTER 0.00 0.00
9. CONTINGENCIES lt]~w.: o.oo o.oo 54.50 o.oo o.oo 2.50 o.oo ltf$~«t
10. TOTALS :~U+fA 1140.88 7329.21 2289.50 1983.48 1496.12 1312.35 2057.3411~:~
Note: NHE disbursements for personnel are estimated
Expenses incurred during the Inception Phase are included in the first quarter of implementation
Till the end of 1993 major Programme expenditures were related to preliminary
needs, like purchase of land, establishment of the Loan Guarantee Fund, payment of
NHE personnel and consultants and similar. Since the beginning of 1994 the
emphasis in expenditures is increasingly shifting towards the envisaged construction
works, reflecting the increased rhythm of on-site implementation described elsewhere
in this report.
The following table shows all programme expenditures by budget post and their
source of finance. As most previous tables, it is related to the budget as adjusted in
March 1994. Till the end of July the beneficiaries have deposited with NHE an amount
of N$ 209.330 to the Programme's funds. Note that the Municipality's contribution
included in the budget post 1.2 (Infrastructure improvements in Upgrading Areas) is
based on initial estimates. The final cost of the items that the Municipality has agreed
43
OSHATOlWA PROGRAMME EXPENDITURES BY BUDGET POST AND SOURCE OF FINANCE - FROM INCEPTION PHASE THROUGH JULY 1994
--f"~3-~UBCESQP.dilN4rlCS~~~-j~-~,
,.,,, ·'"' J,~··:-_:cc'"=-·1':_,:-~"":.,. ,r-A-0.-.
.· , -~~, .#..,.,·,,',)if£.-,-,,_ .. .. .. ·.-. -.,;_;,, ,,,\\>'"'.,,":.,f.· ". ,, .. _ ... , .. ,,1".,,,.~_ .. ; .. ',."\\: ·."·-------" .· ,_,:¥;,~---"-·--"l~\\ .. .,., ,? -~---'.C'('''·""-;,:i-<:l;;i'
;; ! '"-""""'"""'' i
BUDGET NHE KtW BENEFICIARIES PRIVATE SECTOR MUNICIPALITY
COMPONENTS Appropr. Spertll7/94 Balance Approprlollon Spert Ull 7/94 Balance Approprlollon SpertH7/94 Balance Approptllllon Depot UII 7/94 Balance Appropriellon Spert UR 7/94 Balance Approprlellon Spert 117/94 Balance
1. UPGRADING AREAS 119115.00 7345.113 2649.37 3511.IIO 3323.39 188.51 6984.IIO 3873.113 2110.97 135.20 9.40 135.20 0.00 0.00 0.00 3113.00 148.31 214.89
1.1 Land & basic lnfrastr. 5221.00 5221.00 0.00 3301.00 3301.00 0.00 1920.00 1920,00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
1.2 lnfrastr.lm provem t 2220.00 1679.97 540.03 77.00 0.00 77.00 1760.00 1531.66 246.34 0.00 0.00 0.00 0.00 0.00 0.00 363.00 148.31 214.69
1.3 S1arter solu11ons 2104.00 229.75 1874.25 109.90 10.64 99.26 1688.90 219.11 1669.79 105.20 0.00 105,20 0.00 0.00 0.00 0.00 0.00 0.00
1.4 Com munlty centers 450.00 214.91 235.09 24.00 11.74 12.26 396.00 203.17 192.83 30.00 0.00 30.00 0.00 0.00 0.00 0.00 0.00 0.00
2. CORE-HOUSES 10478.10 5008.84 5487.48 3181.20 3028.03 153.17 8758.10 1980.81 4775.49 538.80 199.88 538.80 0.00 0.00 0.00 0.00 0.00 0.00
2.1 Land & basic lnfrastr. · 2934.70 2934.70 0.00 2768,00 2934.70 ·146.70 0.00 0.00 0.00 146.70 0.00 146.70 0.00 0.00 0.00 0.00 0.00 0.00
2.2 Land development 1363.00 576.56 766.44 71.20 16.14 55.06 1223.60 560.42 663.18 66.20 0.00 66.20 0.00 0.00 0.00 0.00 0.00 0.00
2.3 Core-house construct 5676.40 1497.36 4360.92 307.10 77.19 229.91 5277.30 1420.19 3657.11 293.90 0.00 293.90 0.00 0.00 0.00 0.00 0.00 o.oc
2.4 Com munlty centers 300.00 0.00 300.10 14.90 0.00 14.90 255.20 0.00 255.20 30.00 0.00 30.00 0.00 0.00 0.00 0.00 0.00 0.00
3. LOAN GUARANTEE FUND 111100.00 11100.00 10000.00 o.oo 0.00 0.00 11100.00 11100.00 0.00 500.00 0.00 500.00 9500.00 0.00 9500.00 0.00 0.00 0.00
3.1 Loan Guarantee Fund 1900.00 1900.00 0.00 0.00 0.00 0.00 1900.00 1900.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3.2 Private sector loans 10000.00 0.00 10000.00 0.00 0.00 0.00 0.00 0.00 0.00 500.00 0.00 500.00 9500.00 0.00 9500.00 0.00 0.00 0.00
4. BLDG.MATERIAL LOANS 1283.00 0.00 1283.00 113.00 0.00 113.00 1024.00 0.00 1024.00 128.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5. CTY. DEVELOPMENT FUND 87.00 40.49 48.51 9.00 3.99 5.01 78.00 38.50 41.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 o.oo 0.00
5.1 Production of 2 vtcf'eos 20.00 35.61 -15.61 2.00 3.55 ·1.55 16.00 32.26 ·14.26 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5.2 Unassigned 67.00 4.68 62.32 7.00 0.44 6.56 60.00 4.24 55.76 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
a. NHE ADM/TECH. COSTS 2892.00 141111.70 1192.30 28112.00 1499.70 1192.30 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6.1 Personnel" 2201.00 1110.00 1091.00 2201.00 1110.00 1091.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6.2 Land survey Ieng. fees 491.00 369.70 101.30 491.00 369.70 101.30 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7. CONSULTANTS 3407.80 1720.00 1747.80 0.00 0.00 0.00 3487.80 1720.00 1747.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 .1 lnceplon phase - 520.00 520.00 0,00 0.00 0.00 0,00 520.00 520.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7.2 Im plementaflon phase 2947.60 1200.00 1747.60 0.00 0.00 0.00 2947.60 1200.00 1747.60 0,00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
a RESOURCE CENTER 38.00 38.00 0.00 0.00 0.00 0.00 38.00 38.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
ll CONT .. GENCES 194.IIO 57.00 137.90 0.00 0.25 -0.25 140.40 2.26 138.14 0.00 0.00 0.00 0.00 0.00 0.00 54.50 54.50 0.00
10. TOTALS 40113.80 17809.46 22504.34 9507.10 7855.38 1651.74 19389.20 9551.29 9837.91 1300.00 209.32 1174.00 9500.00 0.00 9500.00 417.50 202.81 214.89
OSHATO1WA HOUSING PROGRAMME- PROGRESS REPORT No 5-APRILjJULY 1994
Chapter 7 - Finances
to finance might be less than envisaged, which might require to adjust the total
amount budgeted in a future revision. It is expected that the Programme will soon
begin mobilizing private sector funds through the LGF pilot project.
7.3 Update of Programme budget
No major adjustment to the Programme budget has been made at this stage.
The N$ 50.464,62 in interest accrued by the Disposition Fund have been included in
the contingencies post. The equivalent DM 22.428, 72 have been added to the grant
amount, that now stands at DM 9.904.400.
The other modification is related to exchange rates. Variations in the rate of
exchange require periodical budget adjustments. The recent replenishment of the
Disposition Fund resulted in N$ 377.612,60 more that would have been credited in the
account with the exchange rate used in the March budget adjustment (N$ 2 = DM1).
As implementation progresses, money is disbursed for different components at
different times. In order to adjust the budget, for each component the funds already
disbursed have been accounted at the rate they were exchanged, and the balance to
disburse from the KfW Grant converted at the present rate. For each component, the
resulting weighted average rate has been indicated. The NHE counterpart contribution
related to GST payment has been adjusted accordingly.
Since the beginning of the programme, KfW has transferred a total of DM
4.500.000 to the Disposition Fund. After conversion, an amount of N$ 9.105.694,52
has been credited into the account, making an average rate of exchange of N$ 2,02 =
1 DM. If the balance of the grant was converted into N$ at today's rate, the average
for the total will be in the order of N$ 2, 12 = 1 DM.
The table in next page shows the updated Programme Budget.
45
OSHATOTWAPROGRAMME-GENERALBUDGET UPDATED AUGUST 1994
NUMBER OF AVRG. UNT. TOTAL COSTS SOURCE OF FINANCE
COMPONENTS SOLUTIONS COSTSN$ N$ N$/DM DM KfW-DM KFW-N$ NHE-N$ BENEF-N$ PVT.SECT. MUNICIP.
1. UPGRADING PROJECT 1000 10.3 10273.8 1.94 5292.5 3099.5 6248.8 3526.8 135.2 0.0 363.0
1. 1 Land & basic infrastr. 1000 5.2 5221.0 1.80 2900.6 1067.0 1920.0 3301.0 0.0 0.0 0.0
1.2 lnfrastr.improvemt. 2252.3 2.04 1106.2 890.0 1811.0 78.3 0.0 0.0 363.0
1.3 Starter solutions 300 7.7 2324.9 2.23 1041.3 944.5 2097.6 122.0 105.2 0.0 0.0
1.4 Community centers 3 158.5 475.6 1.95 244.4 198.0 420.1 25.5 30.0 0.0 0.0
2 CORE-HOUSE PROJECT 334 11255.1 2.13 5292.3 3377.4 7461.2 3222.2 571.7 0.0 0.0
2.1 Land & basic infrastr. 334 8.8 2934.7 1.90 1544.6 0.0 0.0 2788.0 146.7 0.0 0.0
2.2 Land development 229 6.3 1450.7 2.14 677.1 611.8 1306.5 76.0 68.2 0.0 0.0
2.3 Core-house construct. 334 17.6 6535.8 2.24 2923.0 2638.7 5867.6 341.5 326.8 0.0 0.0
2.4 Community centers 2 166.9 333.9 2.26 147.6 126.9 287.1 16.8 30.0 0.0 0.0
3. LOAN GUARANTEE FUND 11900.0 2.19 5444.4 1000.0 1900.0 0.0 500.0 9500.0 0.0
3.1 Loan Guarantee Fund 1900.0 1.90 1000.0 1000.0 1900.0 0.0 0.0 0.0 0.0
3.2 Private sector loans 200 50.0 10000.0 2.25 4444.4 0.0 0.0 0.0 500.0 9500.0 0.0
4. BLDG.MATERIAL OANS 300 4.7 1405.1 2.25 624.5 512.0 1152.0 127.1 126.0 0.0 0.0
5. CTY.DEVELOPMENTFUND 92.2 2.13 43.2 39.0 83.2 9.0 0.0 0.0 0.0
5.1 Production of 2 videos 20.0 1.80 11.1 9.0 18.0 2.0 0.0 0.0 0.0
5.2 Unassigned 72.8 2.17 33.5 30.0 65.2 7.6 0.0 0.0 0.0
6. NHE ADM/TECH. COSTS 2692.0 2.00 1346.0 0.0 0.0 2692.0 0.0 0.0 0.0
6.1 PersQ[lnel 2201.0 2.00 1100.5 0.0 0.0 2201.0 0.0 0.0 0.0
6.2 Land survey/engnring. fees 491.0 2.00 245.5 0.0 0.0 491.0 0.0 0.0 0.0
7. CONSULTANTS 3686.3 2.09 1762.9 1762.9 3686.3 0.0 0.0 0.0 0.0
7.1 Inception phase 520.0 1.80 289.0 289.0 520.0 0.0 0.0 0.0 0.0
7.2 i'mplementation phase 3166.3 2.15 1473.9 1473.9 3166.3 0.0 0.0 0.0 o.c
8. RESOURCE CENTER 38.0 1.80 21.0 21.0 38.0 0.0 0.0 0.0 0.0
9. CONTINGENCIES 262.6 2.25 116.9 92.6 208.1 0.0 0.0 0.0 54.5
10. TOTALS 41605.1 2.11 19943.8 9904.4 20777.6 9577.2 1332.9 9500.0 417.5
OSHATOlWA HOUSING PROGRAMME - PROGRESS REPORT No 5 - APRIL/JULY 1994
Chapter 8 - Consulting services .
"
8. CONSULTING SERVICES DURING PERIOD
General
Following the recommendation of February1s Evaluation and re-Planning
Workshop, the schedule of visits by SUM Consult international experts was modified
to better assist NHE in the envisaged Programme adjustments. The Community
Development Advisor 1s mission started in May 9 and lasted till July 8. The Chief
Technical Advisor arrived in Windhoek at the beginning of July for the whole month.
Due to the timing of the CT A's first mission in February - March, the Progress
Report No 4 could not be prepared in Windhoek as usual, and was produced at SUM
office in Montevideo in late April and early May. As agreed with Kf'W, a system for
provisional approvals for disbursement from the Disposition Fund was established and
put into operation. Two provisional approvals were thus sanctioned by fax. The
system has proved useful and convenient for NHE, and till now has operated without
major problems.
During the months of May and early June SUM Consult Headquarters in
Wiesbaden processed the questionnaires of the socio-economic survey in the
Upgrading areas completed in the field by the Community Development Coordinators.
A report summarizing the findings was submitted in June to NHE and Kf'W.
Chef Technical Advisor
Activities of the CTA during his July mission included:
General assistance to the Project Coordinator and Oshatotwa Team on
programming, monitoring of implementation and policy issues;
Adjustments to the concepts of core-house project and starter solutions; revision
of floor-plans and Khomasdal erf 1430 lay-out plan;
Sitting in the starter solutions loan-approval committee;
Financial control, update of Programme's Budget, analysis of expenditures by
component and source of funds;
Preparation of approvals for disbursement from the Disposition Fund. It needs to
be pointed that due to the increased pace of implementation this and other
administrative tasks now require a substantial amount of time;
Checking out land development and core-house construction works and
contracts;
Follow-up in Loan Guarantee Fund and Building Material loan components;
Follow-up on Kf'W's Minutes of Meetings and Progress Report 4
recommendations, (regarding selection of beneficiaries and affordability criteria,
survey of facilities in upgrading areas, etc.) ---.__
Preparation of Progress Report No 5
Community Development Advisor
Activities of the CTA during his two month mission included:
47
OSHATO1WA HOUSING PROGRAMME - PROGRESS REPORT No 5 - APRILJJULY 1994
Chapter 8 - Consulting services.
Completed compilation of household survey and shipping to SUM Consult
Headquarters for analysis;
Assisted in supervision of CDCs' work and with their eventual incorporation as
NHE staff;
Status survey of all erven in Upgrading areas;
Reviewed the plans for the Building Material Loans component, assisted in
preparation and briefing of SCAs;
Follow-up on Loan Guarantee Fund pilot project;
Continued revision and updating of the Operations Manual;
Met several times with NHE Senior Manager, Technical and Social Services,
especially on issues of enhancing agency support of Upgrading Project.
Drafted procedures for identifying selected clients in conflict with NHE
requirements or non-paying on their loans in order to issue formal notices and
begin eviction procedures when required;
General advice and assistance to Programme management.
Field Supervisor
According to last quarter decision, has started to reduce his time involvement.
During this period:
Assisted NHE in the organization of the Loan Guarantee Fund pilot project;
Assisted NHE in institutional relations, particularly regarding coordination with
Municipality in the development of squatter policy;
General monitoring and backstopping of Programme implementation.
Field coordinator
According to last quarter decisions, at the beginning of July reduced his
involvement from full to part-time. He now works from Monday to Friday from 14,00 to
17,00 hours. This arrangement will continue till October, when requirements for his
involvement will be re-assessed. During the period his main activities included:
48
Discussions with Greenwell Matongo community regarding the Community
Center, preliminary and final design of the facility;
Discussions with communities regarding the provision of additional toilet facilities
privately run, design of facility;
Survey of potential sites for such facilities in Greenwell Matongo;
Assistance to SCAs in the implementation of the starter solutions component;
Design and implementation of equipment for Community Center - Site office at
Okuryangava;
Updating of survey of community facilities in or near Upgrading areas;
General assistance to Project Coordinator,
Discussions with Municipality for the provision of street lights and electricity
supply for Project areas;
Community Development Coordinators
Their activities have been discussed elsewhere in this report.
OSHATOlWA HOUSING PROGRAMME - PROGRESS REPORT No 5 -APRILJJULY 1994
The following check-llst of issues raised in the Progress Report is included to facilitate
follow-up by Oshatotwa Team members. In brackets, page number where the question is
mentioned.
UPGRADING PROJECT
Keep updated ff/e on use of all individual erven; (5)
Sort-out the question of Public land sold as erven to individual households; (5)
Organize publicity (perhaps with loudspeakers) to re'fresh effects of the information
campaign for starter solutions; (6)
Keep updated list of clients for starter solutions; (9)
Keep tabs on material and labor costs of starter solutions, insist on Self-Help; (9)
Keep updated list of owner-improvements in completed starter solutions; (13)
Follow-up question of repayments, implement separate records tor erven and starter
solutions repayments; (13)
Inform community leaders and coordinate eventual evictions with them; (PR 4, p13)
Follow-up with Municipality installation of street lights; (16)
Follow-up with Ministry of Land and Resettlement question of assisting Ombatero
group; (16)
Speed-up construction of community center in Greenwell Matongo; (19)
Follow up with Namib Post installation of mail boxes, and with TELEKOM of public
telephones in community centers; (19)
Pursue matter of semi-public toilets tor specific groups like EHAFO in Nangolo or
groups in Greenwell Matongo; (21)
Evaluate possibility of implementing the use of pit latrines when acceptable to clients
as a way to reduce starter solution costs; (21)
Inquire in relevant institutions plans for future community facilities; (22)
CORE-HOUSE PROJECT
Begin construction of Okuryangava project; {29)
Obtain official approval for modifications in Khomasdal ert 1430 lay-out plan; {29)
Adjust erven prices, establish internal cross-subsidy scheme; (29)
Build show-houses, start marketing Khomasdal 1430 core-houses; (29)
Adjust selection of beneficiaries procedures according to criteria set in PR 4, p.47
LOAN GUARANTEE FUND
Finalize registration with Surveyor General, get construction started (35)
BUILDING MATERIAL LOANS
Evaluate response to article in NHE newsletter, develop marketing (37)
Evaluate possibility of BML in upgrading areas; (PR 4, Pa. 31)
INSTITUTIONAL DEVELOPMENT
Finalize question of appointing CDCs as permanent NHE staff; (39)
Select and appoint a third CDC to replace Ms. Tjirare; (39)
OSHATOlWA HOUSING PROGRAMME - PROGRESS REPORT No 5-APRILJJULY 1994
ANNEX2.1/a
LIST OF ERVEN NOT SUITABLE FOR RESIDENTIAL PURPOSES IN UPGRADING AREAS
DATE: 28 June 1994
TO: Diane Bester, Wilfried Schulte
FROM: Don Kurtz
Community Development Advisor, Oshatotwa Housing Programme
SUBJECT: UPGRADING ERVEN NOT SUITABLE FOR RESIDENTIAL PURPOSES
The following 13 erven are public spaces or otherwise not useable for residential purposes:
Community
Nangolo
Nangolo
Epandulo
Epandulo
Onheleiwa
Onheleiwa
Onheleiwa
Onheleiwa
Joe Nepando
Joe Nepando
Freedom land
Freedomland
Freedom land
Erl Numbers
Erf N° 2740
Erf N° 2843
. Erf N° 2577
Erf N° 2582
Erf N° 2603
Erf N° 2624
Erf N° 2721
Erf N° 3050
Erf N° 2863
Erf N° 2967
Erf N° 1359
Erf N° 1360
Erf N° 1390
Desienation
Zoned "Institutional 11
Designated "Undetermined": possibly reserved
for market stalls .
Public space - drainage area
Public space - drainage area
Public space - drainage area
Public space - drainage area
Graveyard
Public space - drainage area
Junction of underground sewerage lines trisects
erf, making building on it impossible.
Public space
Deep drainage hole; could possibly be filled.
Deep drainage hole; could possibly be filled.
Apparently has sewerage drainage pipes
underground making construction impossible.
With some effort (and expense) erven numbers 1359 and 1360 could possibly be made
acceptable for residential building. 1390 is being further checked out to confirm that the
sewerage pipes do indeed make construction on the site impossible.
The accompanying memo identifies five of these erven for which deeds of sale have been
signed or are pending, on which corrective action must be taken.
.. ' ..
DATE:
TO:
FROM:
. . '.
28 June 1994
Wilfried Schulte, Diane Bester
Don Kurtz
Community Development Advisor, Oshatotwa Housing Programme
SUBJECT: UPGRADING PROJECT-DEEDS OF SALE FOR PUBLIC AREAS
In the survey of erven that I am just about to complete, we have identified 5 "Public Space"
erven for which there are deeds of sale. Below is a list of those erven and some information
on repayments:
1) Epandula 2577 252 m2 Public space: N$ 479.38
drainage (7.5 mos)
2) Onheleiwa 2603 1073 m2 Public Space: Pending?
drainage
3) Onheleiwa 2624 906 m2 Public space: N$ 513.43
drainage (5.1 mos)
4) Onheleiwa 3050 8108 m2 Public space: N$ 958.80
dry river (9.5 mos)
5) Joseph 2863 535 m2 Sewerage pipes NS 132.88
Nepanda junction trisects erf (2.1 mos)
"' - · 1 ncse arrears arc as p er the p nntout ot 09/06/94.
Notes:
1) There is a vacant erf (# 2591) across the street from # 2577; M Nanguli could be
moved there if his arrears were brought up to date.
2) If this Deed of Sale is pending, it should be cancelled; possibly another erf (# 2587
in Epandulo) could be offered to the client.
3) There is a vacant erf in Epandulo (# 2586) to which S Joseph could be moved if his
arrears were brought up to date.
4) There has been no contact with this client. Perhaps NHE could quietly cancel the
contract through eviction process or other methods.
5) If a Deed of sale for Erf N° 2874 has not been finalized, perhaps G Tobias would be
happy to switch there.
NOTES ON MEETQ'l"G RE PENDING ORIGINAL SALES OF ERVEN
OSHATOTWA HOUSING PROGRAMME - UPGRADING PROJECT
Date: Tuesday, 31 May 1994 Location: Okuryangava Community Centre
Participants: P Asino, D Bester, D Kurtz, S Shaningwa, P Taaru, A Tjirare, W van Wyk.
This meeting was called to discuss resolution of the original sales of erven in the
Upgrading Project. Some 75 pending sales had been identified prior to the meeting as being
relatively routine.
I. RESOLVING PENDING PAPERWORK ON SALES OF ERVEN
The bulk of the cases require minor actions on the clients' part to allow final
processing of the Deed of Sale for the erven. The others (less than a dozen) may be more
problematic. It was decided for these cases the respective CDC and the Office Administrator
would review each file to determine exactly what each case requires to be done, and notes
to that effect would be placed in the file. Meetings were scheduled for each area; the specific
clients will be invited to the NHE on-site offices, and adequate staff are scheduled to process
the required documentation. The meetings and assigned staff are as follows:
Saturday, June 4th, from 9:00am: Greenwell Matongo: SS, DB, PA
Tuesday, June 7th, from 5:00pm:. Freedom Land: PT, DB, WvW, AT
Wednesday, June 8th, from 5:00pm: Onghuuo ye Pongo: AT, DB, PT
There will be a follow-up staff meeting on Friday morning, June 10th, at 08:15, to
summarize the results and discuss any required subsequent actions.
II. TRANSFER OF ORIGINAL OWNERSHIP TO SECOND OWNER
A small but significant number of people who were the original buyers of erven no
longer want the plots, but want NHE to transfer the ownership to a specific designated person.
The group recommends NHE consider this option, with the following conditions and
considerations:
The designated new owner must have been physically located on the erf for
at least six months;
The designated new owner must have permanent employment or income;
The CDCs must undertake a preliminary evaluation of that designated new
owner's ability to buy the erven (consider affordability and other factors, such
as payment of water bills, etc.);
If that evaluation is positive, then the designated new owner must go to an
" NHE office CT(atutura or Eros) to complete an application form (if he/she has
6ot already completed one);
The Oshatotwa staff will track progress of the application and preparation of
a Deed of Sale to expedite transfer of ownership.
Presumably, the new owner must be responsible for all arrears and debts outstanding
on the account of the original owner, both to NHE and to the municipality.
m. DEATH AND TRANSFER OF OWNERSHIP
Several cases of death of the owner have been reported to the CDCs, and the question
of what needs to be done arose.
When the owner dies, the next of kin or the otherwise responsible person must provide
NHE with an original Death Certificate. Then NHE can process the transfer of ownership to
the designated person or next of kin.
Again, the new owner must be responsible for all arrears and debts outstanding on the
account of the original owner, both to NHE and to the municipality.
DDK/31 May 1994
OSHATOlWA HOUSING PROGRAMME- PROGRESS REPORT No 5-APRIL/JULY 1994
ANNEX2.2/a
INFORMATION CAMPAIGN ON STARTER SOLUTIONS
DATE:
TO:
FROM:
" 22 June 1994
Jurgen Lehnert
Don Kurtz
Community Development Advisor, Oshatotwa Housing Programme
SUBJECT: SUMMARY AND COMMENTS:
MARKETING EXERCISE OF UPGRADING PROJECT TEAM
Attached please find three copies of a package of documents concerning the information
campaign recently undertaken by the Oshatotwa team within the Upgrading Project area. The
purpose of the campaign was essentially a marketing exercise, to assure that clients had
correct information on maintaining payments on their erven and on obtaining starter solution
houses through the project.
The package includes a summary and observations of the team on the campaign itself, and
various documents produced during the preparation and implementation of the campaign.
Team members are reporting an increase in responsible reactions from the project area, and
an increase in interest among the clients for starter solutions, although the process continues
to be slow. Continuing follow-up on target groups (those up-to-date on erven repayments,
those who have substantial savings deposits) must continue energetically.
This exercise reinforces our earlier conclusions that there are a number of "clients" in the
Upgrading Project who by choice would not be buying land or houses in Windhoek. These
include those who feel buying is beyond their economic potential or is extraneous to their
purpose for spending time in Windhoek.
We also are again confronted with the realization that to many low-income people, especially
the lower low-income ones, perceive only two realistic options for shelter in Windhoek:
squatting or buying. And as buying is not a realistic option in their minds, their only viable
option is to squat. The Upgrading Project is burdened by this lack of options, as numbers of
clients "give up" their erven, but have no place to move to, and as squatters have moved onto
most vacant, unsold erven. Both groups profess a degree of willingness to move if a legal
alternative is available.
One of our next steps will be to identify the intentions or expectations of all erven owners
within the Upgrading Project in a uniform fashion, and to then tabulate those intentions or
expectations. As soon as we have completed the current inve ory of erven, we will work
:, tabu:i::h:l~:ntio~ or expecmio~ of the clien~
9B&ispo
~cNamara
f errnany:
;amoachtal 9. 65193. ':.'ieso2.cc:1
: el 49-611-522225 Fax 59211
-·---·-----------
1VHE·" OSHATOTWA HOUSING>PROGRA.Mlv/.E .... ' .... ' . ' ' .... ' .... ' ... ' ...."
. ' ...... . . . . . . . . . . . . . . . ' . .
. . . . . ' . . . . . . . . . . .
-:-:-:-:-:-:-:-:-:.· Upgr:a.tlf#K:J'_roj._~c_(\\/[:)) < (<<\\ \\ /:::(. .. :":
' SUMMARY OF INFORMATION CAMPAIGN
UNDERTAKEN AS A MARKETING STRATEGY
IN THE UPGRADING AREA
In April, May and June of 1994, the Oshatotwa team planned and implemented an
information campaign, as a marketing strategy to reinforce information on participation in the
Upgrading Project, to assure full awareness among clients of the options and procedures for
buying starter solution houses.
Team meetings were held to plan the campaign and discuss in detail the form and
content of the meetings, and the form and content of the information pamphlets (two memos
outlining the intent of the meeting and reporting on its conclusions are attached).
Pamphlets were prepared explaining details of the Oshatotwa Programme (samples in
English and Oshivambo are attached). This information was included in the "NHE NEWS"
newsletter of April 1994. These pamphlets formed the basis of the format for the meetings,
thus ensuring consistency of information and serving as a reference for the participants after
the meetings.
The purpose of the information meetings was to assure that all plot owners are aware
of the options available to them, the procedures for achieving those options, and the
obligations of the owner to maintain payments both to NHE for the erven (and starter solution
loans), and to the municipality for rates and taxes, water and any other bills for specific
services.
Three initial meetings, one at each community centre (Greenwell Matongo's was held
in the house of a committee member), were held and attended by the whole team. These
served as training sessions for the team and helped in ironing out any problems and in
ensuring consistent presentations and responses to questions.
The information meetings were held from 19 April through 19 May 1994. Upgrading
Project participants were individually invited to group meetings of about 40 per meeting (a
sample invitation is attached); some of the meetings were also announced on the NBC Radio
Oshivambo Service. (As terms for government employees are so different from other formal
and informal sector clients, they were not invited; some did however attend and while they
were free to remain for the meeting, they were also informed that specific arrangements are
being made for them.) Registers of invitees and participants were kept (a sample is attached).
Of the 842 heads of household invited to the meetings, 580 (69%) attended, and participation
was lively.
During the meetings people were requested to contact the SCAs if interested in starter
solutions or needing additional information. Times were given by the SCAs when they would
be in their offices (between 10:00am and 12:45pm). Few people came to the offices at the
(Continued ... )
Page 2.
indicated times ,these times have subsequently been changed for the follow-up contacts). A
number of invited participants' came before or after the meetings saying that they could not
attend and requesting copies of the pamphlet. So although the attendance at the meetings was
only 69%, it can be assumed that more than this received sufficient information about the
starter solutions to be able to make further enquiries.
All Oshatotwa team members attended at least one of the meetings; usually a team of
at least one SCA (BG, JH, EM or AT), one CDC (SS, PT or AT) and one admin officer (PA.
DB, WS or WvW), conducted the meetings. Following is a table with a summary of
community participation in the meetings.
:_:.<":::::::::::"::::::<:i10MMuNmiNFoiwii10N:iif.iE.i1iiGs{)\\:{:>))::::::
. . . . . . . . . . . . . . . . . . . . ' .. ' . ' ........... '·.·.· - ..... ' ........... -. . . . . ' ..... ' ... ·.· .. ' ... .
. . ... '' .. ' .. ' ... ' ............................. ' ' .... '.' ........... ' .......... .
· · "::::"::::::r:":::·:srrEL::::::::::::":::::::::::::::: : D.iti.{//:" dfiv1±~ii::: -:::::im1r:::.
Onghuuo ye Pongo
Community Centre
19 April 40 37
26 April 40 32
27 April 46 32
28 April 51 42
10 May 33 32
i,.·?·.·.·.· .. -.·.·. - .· ... ·.·.·.·.·.·.·.·.·.".·.·.·.·.·.· ... - ·.·.·.·.·.~Z-.·.·.·.·.·.·.·.·.·.·.·.·.·."V.·: ------------ ------------
:::::::::::::::::::""":":"::::::::""::::"::::":::::::":::::::::::::"~uti~1:6ials:":"
01-.."U rya n ga v a
Community Centre
18 April
26 April
27 April
28 April
10 May
14 May
19 May
31 May
2 June
2 0
47
32
28
55
44
50
50
48
14
175
40
12
25
32
15
48
26
21
4
..... ' .... ' ..... -~--~-----------
Greenwell Matongo 20 April
16 May
17 May
18 May
19 May
22 May
· .. ·.· .---- ... ---. - .. ' ... · ... -. --- ..... -~+ ... ' .. ·.·.· ... ·.·.· .-.
· · · · · · . . >::;: : sufi~Tooils:"
368
50
50
50
50
37
27
223
40
35
37
42
11
17
-------------~------------
264 182
842 580
In follow-up to these group meetings, individual clients identified as having good
potential for starter solutions are invited to meet with the SCAs or CDCs during office hours
and some evenings to discuss their specific housing interests.
These included clients who are identified on NHE computer printouts as having made
savings deposits for starter solutions, or as being up-to-date on their erven repayments. For
example, 61 Upgrading Project clients were identified as being up-to-date on erven
repayments, and were invited to private meetings (an analysis of participation and findings
of those meetings has been prepared separately). This is an ongoing activity, with the
(Continued ... )
Page 3.
computer list being revised ,and updated, so that potential clients are identified every month
based on receipt of loan repayments and arrears, and deposit payments.
The team, in discussing the process of the information campaign, has made a number
of obscrvalions about the project participants and their attitudes.
º Despite multiple efforts to improve participation in discussions concerning the
Upgrading_ Project, there is consi.stently a 30% no-show factor within the target group.
º There are still a surprising number of people who claim they have never been
told the details of sale of erven and houses, after 16 months of explanation by the Oshatotwa
team members and by other NHE personnel in the 8 months prior to implementation of the
Oshatotwa Programme. We note, however, that such community member claims are almost
always expressed to the "newer" members of the Oshatotwa team, and not in the presence of
those team members who have been with the programme for more than a year.
º It is increasingly clear that a substantial number of those resettled into what is
now the Upgrading Project are not really interested in building a house, or even owning
the land. Many of these consider their stay in the Windhoek area as temporary or transient,
while they earn a little cash before returning home or moving on in search of work. An
analysis of intentions should be the outcome of some of the follow up activities subsequent
to the information campaign:
º Many of the resettled people feel that the costs of the erven and pennanent
houses are excessive, and thus beyond their interest or economic capacity. There is a clear
interest to achieve shelter in accordance with their affordability, and their intentions of the
time they expect to spend in Windhoek. Unfonunately, too often only two options are
perceived as available to the low-income population: squatting or buying.
º However, despite these negatives, it is clear that the processes of explaining and
understand sale of the land and loans for starter solutions are making progress. For each
new house built. for example, dozens of previously uninterested residents approach staff with
queries about what is required for them to build a house. The process of understanding and
participaling in the Upgrading Project is on-going, and probably will not be considered done
and done even when all 1,006 erven have houses on them.
,NATIONAL HOUSING ENTERPRISE
OSHATOTWA HOUSING PROGRAMME
MEMORANDUM: DA TE:07 .04.94
TO:
Asino
~e (for information only)
Hangula
Taaru
Tjirare
Shaningwa
Swanz
Van Wyk(for information only)
Walton
FROM:
W. Schulte
SUBJECT:
INFORMATION CAMPAIGN FOR THE ST ARTER SOLUTIONS
----------------------------------------------------------------------------------
There is to be a meeting of all field team personnel to discuss the proposed information campaign for the sale of
staner solutions. Pl.case read the attached proposal so that you are informed before the meeting. This will help
to keep the meeting shon and constructive and will give you time to prepare any questions or comments you
may have.
The meeting will be held at
memo74.doc
at the Ombili community centre (progfamme offices)
9.00 AM on Monday 11th April.
/
NATIONAL HOUSING ENTf:RPRISE
"
OSHATO1WA HOUSING PROGRAMME
UPGRADING PROJECT: PROPOSED MARKETING OF STARTER SOLUTIONS
The purpose of this proposal is to outline a strategy to inform all the participants in the OHP of the starter
solution and housing improvements options.
Three actions are proposed:
1: Meetings
Through the committees the CDCs invite people to attend information meetings on designated days. These will
be held at the community centres (an alternative arrangement will have to be made for Greenwell Matongo) in
the evenings and on Saturday mornings. These are general information meetings attended by +- 30 people at a
time who could then approach the programme staff at a later date to fill in the relevant worksheets. Should the
response be positive we could consider having certain evenings for the applications to be filled in.
The meetings are to inform about:
"
"
preconditions for participation (up to date with erf payments, affordabilities etc.)
types and costs of options
"
"
building materials loans and other support from the NHE
loan conditions
incremental nature of improvements
advantages of self -building
These meetings will be addressed by the SCAs (including Johannes Hangula), CDCs (when the survey is
completed) and the Office Administrator working in teams in their allocated areas. In this way the three main
areas could be addressed simultaneously.
Roughly the number of meetings required in each area are:
AREA
l(Aune, Allie)
2(Petronella, Bryan)
3(Sophy, Ernest)
No OF ERVEN
274
439
291
No OF l\\1EETINGS
9
15
10
Note: Area 1 is Oduduluka, Nangolo, Onghuo Ye Pongo, Onyeka
Area 2 is Onheleiwa, Josef Nepando, Epandulo, Freedom Land
Area 3 is Greenwell Matongo
CLIENTS PER MTNG.
30
30
30
If five meetings are held per week (Monday through Thursday and Saturday mornings) all the upgrading project
participants could be informed thoroughly within three weeks. Starting on the 11.04 we could be finished by
29.04)
2: lnformatio~ Pamrihlets
Pamphlets in English, Afrikaans and Oshivambo are to be distributed through the upgrading area using the
community commillees. These will have information on the starter solution project and will invite any interested
people to approach the Programme offices to complete the relevant worksheet.
The pamphlets are to inform about:
" preconditions for participation (up to date with erf payments, affordabilities etc.)
" types and costs of options
" building materials Joans and other support from the NHE
" loan conditions
" incremental nature of improvements
" advantages of self -building
3: Follow up clients with deposit oavments
CDCs are to check through the payment reports and identify those who have made payments in excess of that
required for their monthly repayments. They are to be contacted and interviewed (either by the CDCs or the
SCAs) about their housing needs to see if they are willing to participate in the starter solution scheme. This
should be a regular activity occuring at least once a month initiated by the CDCs when they receive the payment
reports.
··················-···········-··---··-·---·-·--·-------------------------·-------------
market.doc 06.04.94
2
TO:
Asi
~
FROM:
Hangula
Mathias
McNamara
Taaru
Tjirare
Shaningwa
Swartz
VanWyk
Walton
W. Schulte
SUBJECT:
NATIONAL HOUSING ENTERPRISE
OSHATOTWA HOUSING PROGRAMME
MEMORANDUM
DATE:1204.94
MEMORANDUM OF MEETING HELO ON 11.04.94 TO DISCUSS THE PROPOSED
INFORMATION CAMPAIGN FOR THE STARTER SOLUTIONS
----------------------------------------------------
The proposed marketing strategy was discussed and the following agreed to:
1. INTENTION
1. The intention is to invite every plot owner in the upgrading programme to an information meeting
so that they may be fully aware of the options and procedures.
2. TRAINING MEETINGS
1. Three training meetings to be attended by the field team are to be held so that everyone is
informed about the facts and details of the starter solutions.
2. These meetings will be addressed by the SCA responsible for the area in which the meeting is
held.
3. The dates and places are:
18 April
19 April
20 April
Freedom Land Community Centre
Onghuo Ye Pongo Community Centre
Greenwell Matongo (venue to be confirmed)
5.30 p.m.
5.30 p.m.
5.30 p.m.
I
3. INVITATIONS
1. Participants are to be invited to information meetings to be addressed by the SCAs and the CDCs
working together in teams. The SCAs will have to do this alone until the CDCs have completed
the households survey.
2. The CDCs are responsible for inviting the participants to the meetings. AW is to draft an invitation
letter and CDCs are to translate.
3. The invitations are to go out one to two days before the date of the meeting.
4. Forty to fifty people are to be invited to each meeting with the understanding that about 30 of
those will attend.
5. A registry of invitations and attendance are to be kept by the teams.
6. Government employees are not to be invited as they are to dealt with in a separate housing
project.
4. FREQUENCY OF MEETINGS
1. Following the training meetings the teams are to hold at least three meetings a week in their area
until all the participants have been invited.
2. The time and days of the meetings is to be decided by the relevant team for that area
5. REPORTING BACK
1. Report back meetings will be held every Monday morning at 8.00 am. at the programme offices.
2. Numbers of meetings held, clients invited and attending are to be given during the report backs
and any problems arising discussed.
6. PAMPHLETS
1. Pamphlets with the basic information of the housing improvement project are to be printed for
distribution at the meetings. AW to draft one for review by the project coordinators by 13.4 so
that it may be discussed at the workshop on the 14.4.
2. Pamphlets to be in English, Oshivambo and a few in Afrikaans. SS and PT to do the Oshivambo
translations and DB to arrange for the Afrikaans translation.
7. FOLLOW UP CLIENTS VIA DEPOSIT PAYMENTS
1. In addition to the above the COCs and the SCAs are to identify clients who have made deposit
payments or who are up to date with their erf repayments and approach these people to discuss
the starter solution project.
2. The deposit payment list and the arrears reports are to be used for this purpose.
3. Reports of action, number of people identified and contacted etc. will be given at the report back
meetings.
8. OTHER ITEMS
1. WS to follow up with the drawing office for the drawings of the new options
2. WS to follow up the approval of the budget run for the new options.
3. SS to follow up the venue for the meetings in Greenwell Matongo
ATTENDANCE:Asino;Bester;Graig; Hangula; Mathias; Taaru; Tjirare; Shaningwa; Swartz; Walton
memo124.doc
I
NATIONAL HOUSING ENTERPRISE
Head Office: 7 Omuramba Road, Eros" P.O. Box 20192, Windhoek. Namibia
Telephone (061) 37224 " Fax (061) 222 301
OSHATOTWA HOUSING PROGRAMME
UPGRADING PROJECT
HOUSING IMPROVEMENT
PROJECT
1HE HOUSING IMPROVEMENT PROJECT IS FOR:
" lliOSE HOUSEHOLDS MOVED FROM
1HE SINGLE QUARTERS AND 1HE
SF..ANDUMBAl.A SETil.EMENT IN 1992
BY 1HE NATIONAL HOUSING
Ei"ITERPRISE.
" HOUSEHOLDS WHO HA VE SIGNED
TIIBIR DEEDS OF SALE FOR TIIEIR
ERVE.."l'.
" 1HE PROJECT IS TO HELP YOU IMPROVE YOUR
HOUSING Willi A STARTER OPTION TI-IA T YOU
CAN AFFORD
" 1HE PROJECT HAS MANY OPTIONS FROM A
R..OOR Sl.AB ONLY TO A COMPLETED 1WO
BEDROOM HOUSE
" 1HE PROJECT IS TO HELP YOU IMPROVE YOUR
HOUSING Willi IMPROVEMENTS THAT YOU
CAN AFFORD AT THAT TIME.
YOU CAN GRADUALLY BUILD 1HE HOUSE YOU
WANT.
\\VHA T YOU START Willi IS NOT 1HE END, IT IS
ONLY A BEGINNING
" WE WILL ORGANIZE BUILDERS TO BUILD YOUR
HOUSE IF YOU CAN AFFORD IT .
YOU CAN BUILD YOUR HOUSE YOURSELF IF
YOU CANNOT AFFORD BUILDERS OR IF YOU
WANT TO SA VE MONEY. WE WILL HELP YOU
Willi 1HE TECHNICAL PROBLEMS AND
SUPERVISION IF YOU BUILD 1HE HOUSE
YOURSELF
"
"
YOUR IMPROVEMENT OPTIONS ARE
A NEW R..OOR ONLY (3 X 3 OR 3 X5 METRES)
ONE ROOM ONLY (3 X 5 METRES OR 3 X 3
METRES)
ONE ROOM AND A TOllEf (3 X 5 METRES OR 3 X
3METRES)
ONE ROOM (3 X 5 METRES OR 3 X 3 MEIRES)
AND A BATIIROOM.
" ONE ROOM AND A COVERED STOEP
" · ONE ROOM AND A COVERED STOEP AND A
BATIIROOM
" 1WO ROOMS ONLY
" 1WO ROOMS AND A BATIIROOM
" 1WO ROOMS AND A COVERED STOEP
" 1WO ROOMS AND A COVERED STOEP Nill A
BATIIROOM
" 1WO BEDROOMS, A LIVING ROOM Ai"'ill A
KITCHEN
" 1WO BEDROOMS, A LIVING ROOM A KITCHEN
AND A BATIIROOM
" SHELL HOUSE
" SHELL HOUSE WITII A BATIIROOM
"
WET CORE (TOllEf AND SHOWER IN ONE ROOM
Willi AW ASH TROUGH OlJfSIDE)
ATOllETONLY
(NOTE; 1HE BATIIROOM INCLUDES A TOIL£!' .
BASIN AND SHOWER).
TO TAKE PART
m L\\U P.\\H.T r:---; TTIE HOL'Sl:---:G iMPROVD,1ENT
:'ROJECf:
YOl.' \\fUST HA VF BEE"i RESETI1..ED FROM TIIE
SINGLE QUAR1E1(S OR SHAJ'\\'DlTr-.1BAL\\
:::ETTI.D.1El'iT l:'-i l "l92 UY T! lE :'-iAilONAL
HOUSING ESTERPRISE
YOU :\\1UST HA VE SIG:'-,'ED A DEED OF S.-\\LE FOR
YOUR ERF \\VlTH 1HE NHE
+ FOR YOUR ERF
f .\\.'m FOR YOUR Mu1\\1CIPAL ACCOL:'.\\TS
1 fOR WATER. RATES A'-iD TAXES.
GARBAGE RE.\\10VAL. SE\\VER FEES A'-<D
ELECTI'JC!Tt' IF YOU HA VE IT)
TIIE BUILDI~G \\.'tATERL<\\.LS LOANS
" YOC :\\1A Y OBTAIN A LOA'\\' IN TI{E FORM Of
l3UILD!:--IG MATERIALS IF:
YOU HA VE BEE."1 PA YlNG YOUR LOAN
YOC :-..n;sT BE CP TO DA TE \\VlTII YOUR FOR YOUR ST AR1c.R SOLL TION fOR '. 2
PA Y\\1Ei'ffS FOR YOCR ERF M01','TI!S
YOL' \\1CST :'-iOT RECEIVE A SUBSIDIZED LOA'I YOU ARE UP TO DATE \\VITH ALL ym·R
l--'ROM HIE GOVERNME."1\\/T OF NAMIBIA ( IF YOU PA ~iENfS FOR YOCR ERF A'ID ':'Ol'R
DO. YOU \\\\·lLL SE ASSISTED \\VlTH .\\NOTIIER STA.RTE.~ SOLUTION
PROJECT")
" YOU WANT TO FURTIIER IMPROVE
YOU i\\fUST BE ABLE TO AFFORD TO REPAY 1HE YOL'R HOUSE
MONTHLY A..\\10L'Nf REQLJ1RED FOR 1HE
HOUSING OPTION SELECTED AND FOR YOUR
lRF.
YOU MlJST PAY A DEPOSIT OF 5% OF 1HE
CONSTRUCTION COST OF YOUR OPTION
SELECTED BEFORE YOUR LOAN \\VlLL BE
.-\\PPROVED.
TO JOIN
TO JOIN 1HE HOlJSING IMPROVE:\\1ENT PROJECT
YOU MUST CO:'-iTACTTI-IE OSHATODVA
dOUSING PROGRA'vL\\1E OFF1CE AT ERF l :'39
JKURYA."iGAV . .\\ EXT 3 ( NEXT TO TT-IE O\\fBILI
POLICE CARA VA1'1)
OR CO:\\'TACT 1HE OSHA Tonv A COMMUNITI
CEJ'ITRE I'.'/ YOUR AREA
OR CONTACT SOMEONE WORK.ING ON ·nIE
OSHATODVA PROGRA\\1ME.
WE \\\\lLL HELP YOU SELECT .\\.'I I\\1PROVEMENT
,)PTION WHICH YOU MAY AFFORD.
LOANS
" '1IE \\to NEY TO BllLD THE HOUSE IS LOA'-iED TO
":'OU HY THE N:\\110NAL HOUSINCi E.c'ITERPRISE
" Il-IE 1'.'-/TERF.5T R.-\\TE FOR IBE LOAj'-iS IS 16~
" 7 rE PERIOD Of TIIE LOA..'\\/ l:-i i5 YEARS
v()l;R TOT.\\L LOAN c\\\\10l::\\T \\\\11.L I3E FOR TllE
: !OUSE !MPROVF\\1ENTS .\\ND FOR 11 {E HO.'<D
:Z[GIS1"RA!10"i FEES .\\ND !NSliR.-\\NCE
" '~f':'v!Ei\\lBER !1 IAT IF YOl r (ir.-r. \\ Ll).\\>i TO
\\1PROVF YOU{ HOl ·si: YOl' :\\tlST ·" n! .!. 1'.\\ Y
iF YOC WANT TO Bull.D SOMETHING
OTIIER TiiA"i 1HE OPTIO'.'IS \\VE OfF1= .. _R.
YOU \\flJST PAY A DEPOSIT OF 5e1, Or
TilE LOAN AMOL~1 IF TilE BUILDING
\\1A TE.RIAL LOAN YOU WAJ'-ff IS YOL"R
FlRST LOAN FOR A HOUSE.
1HE MAXIML').1 LOAN AMOUNT IS NS 5.000.00
IT IS TO BE REPAID OVER A SHORT PE.1UOD r t>
TO 36 MONTHS DEPE"lDING ON \\\\.'BAT YOU CA'l
AFFORD).
WHERE CA,'11 YOU l'SE TIIESE :\\1ATERIALS?
THESE MA TE.i:uALS MUST BE USED FOR
PER..\\1ANE1\\/T I:\\-fPROVE\\1E.1\\/TS TO YOUR HOUSE
OR SHACK ON TI-IE ERF FOR WHICH YOU P_.\\ VE
SIGNED TilE DEED OF SALE.
THESE l:'vfPROVE\\1ENTS MUST BE PERMA.:'-iE'ff
AND I~!MOV ABLE.
TilE Bu1LDING PL-\\NS FOR WHICH YOU USE
TiiE LOAN ~IL"ST BE APPROVED BY 1HE
:-,,1u1'1lCIPAUTt' A'iD TilE :--;A TIONAL HOUSING
E.."-7"ERPRISE.
THE PROGRAMME OFFICES ARE AT:
ERF 1739 O:\\flJNGWIN"DI STREEET
OKL"RYANGAVA EXT3
1'.'l'E:\\"T TO TIIE O1\\IBILI POLICE CARA VAiVl
TELEPHONE:63284 OR 215942
CONTACT PERSO:",'S: PETRUS ASfNO
BRYAN GRAIG
JOHANNES HANGUL\\
ER~EST \\fATIIL-\\S
.
.
"
.
.
.
.
" NATIONAL HOUSING ENTERPRISE
Head Office: 7 Omuramba Road. Eros" P 0. Box 20192, Windhoek, Namibia
Telephone (061) 37224 ".Fax (061) 222 301
OPROGRAMMA YOMAGUMBO GOSHATOTWA
0 PROGRAMMA YOKU ITIJNGII.A OMAGUMBO " ONDUNDA YIMWENETAI.ALYA TIJLWA
GOSHATOTWAOYA UTIIlLWA IIPELEKI NO KIIYOGELO
AAKWANEGUMBO: " OONDUNDA MBALI ASHIKE
" MBA YA LI YA TEMBULWA " OONDUNDA MBALI NO KIIYOGELO
KOOSINGEI.A DHA KATIJTURA OSHO
WO KOSHANDUMBAI.A MOMVULA " OONDUNDA MBALI NETAI.ALYA TULWA
1992KUNHE IIPELEKI
" MBA YA SHAINA EEMBAPII.A DHOKU " OONDUNDAMBALINETAL.\\LYA TULWA
1.Ai"'IDAKO OMA VI GA WO IIPELEKI NOKIIYOGELO
OPROGRAMMA YOSHATOTWA OYI LILEPO OKU . OONDUNDA MBALI, OSETI, (OSHOTO, EHALE)
KU KWATHEI.A OPO U TAMEKE OKU I TUNGII.A NOKOMBITHA
EHALA LYOYESHA IKWATEI.A KOSHIMALIWA
OONDUNDA MBALI, OSETI, OKOMBITHA . SHI TO VULU OKURITA.
NOKIIYOGELO
ISHEWE OPROGRAMMA YOSHATOTWA OTA YI . . EGUMBO NENGE ONDUNDA INA YI
KU PE OMPITO U TAMEKE TO ITUNGILE
EGUMBO L YOYE, TO TAMEKE KASHONA NA TIJKAGUL WA, TO VULU OKUYI TIJKAGUI.A
KASHONA SHI IKWATEI.A KIIMAIJWA MBI U KONIMA YETIIlMBO
NA. SIGO WA GWANITHAPO EGUMBO NDI WA . EGUMBO NENGE ONDUNDA ONENE, IvlUNA
HAI.A. ASHIKE OKIIYOGELO
NGELE OTO VULU U RITE MPA U THIKE, NHE . OKANGULU MONO MUNA ASHIKE
OTA VULU OKU KU KONGEI.A AATUNGI YE KU (OKANDJUGO, NOSHA WA NENGE OBATA ~
TIJNGILE. NETEMBA L YOKUYOGEI.A PONDJE
NGELE PAMWEAATUNGI ITO VULU OKU YA " OKANDJUGO ASHIKE
RJTA, NENGE WA HAI.AU PUNGULE IIMALIWA
TAI.A NAWA, NGE TA PA POPIWA OBATA, YOYE, WAA YI HEPITHE., OTO VULU U ITUNGILE
.
NGO YE MWENE. OTA ID KUPE OMA YELE OKWA DHII.ADHILWA MOKUMA MU NA
KOMBINGA YETIJNGO L YOL YENE MANGA TO OKANDJUGO, OKATEMBA MONO HO VULU
TUNGU. OKWIIYOGEI.A KOSHIPALA, NOPOMBA
YOMEYA NDJONO HO VULU OKWIIYOGA NA YO
0:MALUDHIGOKUTUNGAOMAGUMBO
ONGOSHA WA (WATIIIKAMA).
OLUP ANDA ASHIKE (3X 5 METRES NENGE 3 X 3
OKU YA MO PROGRAMMA
METRES). YOMAGUMBOGOSHATOTWA
ONDl./1','DA YIMWE (3X 5 METRES NENGE 3 X 3 OPO U KWATELWE MO MOPROGRAMMA
METRES). YOSHATOTWA, KAI.A WA GWANITHA PO IINIMA TA
ONDUNDA YIMWE NOKANDJUG0(3X 5 METRES YI I.ANDUI.A:
NENGE 3 X 3 METRES). . OWA TEMBUL WA KOOSINGEI.A DHA
ONDUNDA YIMWE NOKIIYOGELO (3X 5 METRES KATIJTURA NENGE KOSHANDUMBAI.A.
NENGE 3 X 3 METRES). OWA MANA OKU SHAINA EEMBAPII.A DHEVI
ONDUNDA YIMWENETAI.ALYA TULWA L YOYE KU NHE.
IIPELEKI
~C .'IA 00.'/DYO \\10f-UTO YEVI L YOYE DHO HO
l Fl1J KEHE OMWEDHI
~GELE OTO !'EWA O LO,\\c'I KEPANGE.LO L YA
'1A.\\11BIA. OTO K\\VA TI-fFl \\VA PA,\\1UKALO
Ci\\vl!LI. :\\0 PROGRA\\1M-\\ Y IKALEKELWA
YOKU TI,:s'GA bMAGL'MBO
KAIA TO Vl ;Lu OKLTu'T A EE PA1E\\1E"..'TE
,OMAFUllLO) DIIOK0:-.1WEDHI DHEGUMBO NOi
ro HOGOLOL\\.
KAL\\ TO \\ 1'LU OKUF1..JTA O DEPOSITO
YEGUMBO :\\DI \\VA 1--l.AL-\\ TA.'iGO.
OPO U PEWE OUE'IENGAEKWATI-IELO. OlJ.'/A
OKU DEPOSITA OOPERESE.'ITA 5. DHE
T0NGO.OPl:L\\c'IA ;"-.l)JJ WA ll<\\.L-\\.
EKW ATA TI-IA.NO NOPROGRAMMA
YOSHATOTWA..
~,GE.LE OWA HALA U KWATI-IELWE
KOPROGRA.MMA YOMAGu?vIBO GOSHA TODVA.
K\\VATATI-l.\\.i'IA NOMBELEWA YOSHATODVA.
PO PEPI NOC.c\\RA V ANA YOPOLISI MOMBILI.
OTO VlJLC IS HEWE U KWA TA 11--IANE
'-iOOMBELEWA DH OSHA TODVA ONGHUO YE
PONGO .'/E.'-iGE MO GREENWELL :-.1ATONGO.
lSHEWE OTO VULC U ~,!ONA TI-LA.NE
.'/A.A.c'IIILO:--IGA
YOMOOMBE.LEWA OHOSHATODVA
\\10SHITOPOL WA KEl-IE.
OTA TIJ KU KWATI-IELE OPO U HOGOLOLE U
ITUNGIL\\VE SHl TO VlJLU.
EHEHELO L YIE\\lALIWA
i MOHSIINGILISA O LOAt'l."l
rIMALIWA :-.rn1 TO TL';\\;GU NA YO EGu?vffiO OTO
YI HEHEL\\ KO NHE.
IL\\lbJ.IWA \\1BINO OUNA OKlJ KAL\\ WE 'r1
GALUUU. KO NHE. MUl,1..,E WOOVUL-\\ 15. HO
fFilJ KO KEHE OMWEDHl.
SHINO CSHA KWATEL-\\ \\10 \\VO IIHOHEL\\ YOO
PERESE:'ITA 16
OKANDL-\\IBA Kll~lbJ.IWA A \\1HE \\181 TO
HEHEL\\ OYA KWATEL-\\ '.\\10 OKUTI:NGA
':GUMBO :--;osHO WOO ASSL,R.ANSIE YEGU\\180
:.... YOYE. :--:OFuro YOKU 11.,1.....\\ EGUMBO
~DHINA LYOYE.
'lGELE WA PEWA IIMALIWA :'v1BINO YEHEHELO.
.'/OT..\\.i'-/GO OTO lTGELELWA t.: GWANITirE PO
UKUR.rT.·\\ Evl L YOYE KEHE 0;>-.fWEDIII. OSI{()
\\VO ORIEKL'iENC1A YA :'vfUNl NGASIU 0\\1EY.\\
',OLUSHE:--;o. [KUTliOPO LYII'{.\\liA Y.\\ :--;osHO
n:c.
EHEHELO LYIIIT~C.111-IO
OPE :'IA OMPITO OPO C HEHELE IJTI,:-/GITI-lO.
EHEHELO :,.uINO OU NA ONGUSHL '!11:'vfALIW.-\\
SIGO OPEEDOL-\\ DA NAMIBLA. 5 000 rOMA YC\\ 1
GATAi'-10).
Hfu'IO. OTO VL'LU OKUHEHELA 111T.::\\Gl11!0
YONGUSHU Y0\\1A YUVI GATA.NO.
ll\\1ALIWA MBINO OTO TEGE.LELWA C KALE '\\1'
'r'l FUTA ML l.JLE WETI-IIMBO Efl:PI. TASH! TI
OMWF...DHI 6 SIGO 001',1VUL-\\ NDAIT (3).
!ITI.JNGITI-IO MBINO OTA YI HEHEL\\V:-\\. :--:GE.E
0\\1UNTIJ . .\\ K.AL\\ HA fl..iTI..: EGUMBO LYE
~:-\\ WA i(E"\\/A oo:---.TIYO \\ll.Jl,1..E WOOM\\VEDHI , .::.
:--IOSHO WO HA Flrn: NA WA E\\11 LYE K.EE'-:A
OONDYO
;\\/GEl.E OWA HAL-\\ OKU WAPA.LEKA EGU)..180
LYOYE.
NGEL.E OWA HAL-\\ OKUTI.TNGA PA ... \\1uKALO
OGUMWE I-lA.A.\\ffiANO WA GASDJWA
KOPROJEKA
NATANGO OTO TEGELELWA OKU DEPOSIT.-\\
OOPER.ESENTA 5 DHlITU?'-iGIIBO :-,..rnr WA H.\\L-\\
OKUHEHELA
IJTL'NGITI-IO MBINO OYI NA OKULONGiTI-f\\VA
OPO U TIJNGE ETL~GO NE.'l"GE EI-l<\\.L\\ L YA
TI-IIKAMA PO. !',TI1.,'NGO NDINO OU NA OKC
KA.L-\\ L YA KOL.\\.. !TA LI VL'LC OKlJ TEYW.-\\ PO
ILE OKU LUNDL'LLl...WA PO. :---.'ETL'NGO NOI;--.;o
-OU NA OKU KALA POERFA YOYE.
OPULANA YEGL"MBO NDJONO O'r1NA
OKWIITALWA '.\\OKUKOLEKWA
KOMU1'.1SIP AL!TI :-,roKU NHE.
I!
OMBE.LEWA O'r1L1 POPEPI NO C.c\\RAVAN OYOPOLISI !!
MOtvfBIU
ONOMOL-\\ YOTELEFONA b3284 :---.'E"\\/GE 215942
OMUKLl...UNTU GOMBELEWA OYE:
?ITRUS ASI:--10
JOHANNES I-l<\\...'IGUL\\
FREEDOM L.\\.i'ID:
l3RYAI\\/ GRAIG
ONGHlJO YE PONGO:
ERNEST \\fATT!L\\S. BR YA'i GRIAG ~
JOI-l<\\i'lNES HA"iGCL\\
GREE:'iWELL :-.1ATONGO:
ERNE.<;T \\1A TI IlAS
NATIONAL HOUSING ENTERPRISE
OSHATOTWA HOUSING PROGRAMME
UPGRADING PROJECT
HOUSING INFORMATION MEETINGS
TO: .................................................... .
ERF No: ............................................. . AREA: ..................................................................... .
YOU ARE INVITED TO ATTEND A MEETING TO FIND OUT
ABOUT THE HOUSING IMPROVEMENT PROJECT OF THE
OSHATOTWA HOUSING PROGRAMME.
THE MEETING WILL BE AT:
TIME: ...................... .
DATE: ....................... .
VENUE· .......................................................................... .
THIS INVITATION IS FOR YOU ONLY. PLEASE DO NOT
BRING OTHER MEMBERS OF YOUR HOUSEHOLD.
OSHATOTWA HOUSING PROGRAMME
UPGRADING PROJECT
OSHIGONGI SHI NA SHA NUUYELELE WIIKWAMAGUMBO
TATE/MEME: ............................................................................................................................................ .
OERFA: ....................................................... OLUKANDA: ...................................................................... .
ETHIMBO: ............................................... .
ESIKU· .................................................... .
EHALA L YOSHIGONGI: ............................................................. .
OTO HIYWA NESIMANEKO OPO U KALE MOSHIGONGI SHO
PROGRAMMA YOSHATOTWA, SHI NA SHA NUUYELELE,
NOMAPAKULULO MEHUMOKOMEHO LYOKUTUNGA
OMAGUMBO.
EHIYO NDINO OLI NA SHA OWALA NAMWENE GWEGUMBO,
INA SHI PUMBIWA U ETELELE AANEGUMBO AYEHE.
TANG!
NATIONAL HOUSING ENTERPRISE ,.
OSHATOTWA HOUSING PROGRAMME
SUBJECT: LI ST OF INVITED PLOTOWNERS. FOR THE INFORMATION
CAMPAIGN FOR THE STARTER SOLUTION AS PER AREA:
DATE: . 10 MAY, WEDNESDAY. 1994
:!H30
VENUE: ONGHUUO YZ PONGO COMMUNITY CENTRE
FROM& A 'I'jirare
l " _Q_N_G_Hll.UO YE POH.G.Q
NAME Ol" PtOTOWNER
1. Iharwa p
2 . Nehemia s
3. Ueyulu H
4. Shihepo H
5 " Stephanus N
6. Nghiyonanye F
7 . Aukumbe p
8. Harnunyela A
9 . Kauhangenge H
10. Sheharna p
11. Samuel K
12. Haita J
z. _ONYEKA
/1. Jonas
I 2. Shapeta
13. Frans
I Petrus [" 5 . Kamtai
s
J
F
J
s
M
N
. . . ·.. . .. . ·"·.
w
~
688
689
690
691
692
693
694
695
696
697
702
703
PLOT
NUMBER
2401
2405
2406
2407
2410
)1
..
:I
" . .
ATTENDANCE LIST
DATE: 10 MAY, WEDNESDAY, 1994
AREA: ONGHUUO YE PONGO
NAME PLOT PRESENT ABSENT APOLOGISES
NUMBER SIGNATURE
1. Iharwa p 688 . , Ct,y\\LJ "' "
2. Nehemia s 689 .s ll'~k~
(j_Q_,v \\..
3 . Ueyulu H 690
/!Po --1-1 · -- 4. Shihepo H 691 .
5 . Stephanus N 692 5"11.?,
6 . Nghiyonanye F 693 L0JI . . ,'\\ ~ f\\(i V\\~
7 . Aukumbe p 694 0v. p.
8. Hamunyela A 695
~-~ .' ;. ;' , :,:>) '. ':'·.,
9 . Kauhangenge 696
··"-· :;&-,:."·','
H
5 "1e V'a-""'~ ·
10. Shehama p 697
A (J IY'I u ~-I 11. Samuel K 702 (]
12. Haita J 703
/3 . f{f/,'p G. fa(? ~ 0-~v:-~ wa...:, r,.,:__vrf.tcA ,,.._ (rv-11'-t 2i/Lf/fiv
- ----·· ---- ···-· . ·---------...
' 1~ fl_ak- nr~ Nlr',"'° I ,
~ GIL<,,- e;t f::1 'p~ cf
b-.: . .,,JL,r--.
---· 3 '2
IL ---1.f 2-...
OSHATOlWA HOUSING PROGRAMME - PROGRESS REPORT No 5 - APRILJJULY 1994
ANNEX2.2/b
OPTIONS FOR PUBLIC-SECTOR EMPLOYEES
NATrONAL HOUSING ENTERPRISE
Head Office: 7 Omuramba Road. Eros " P 0. Box 20192. W1ndnoek. Nam,o,a
Telephone (061) 225518 " Fax 1061) 222 301
OSHATOTWA HOUSING PROGRAMME
UPGRADING PROJECT
SPECIAL MEETINGS WITH CLIENTS ELIGIBLE
FOR GOVERNMENT EMPLOYEE SUBSIDIZED HOUSING LOANS
Many clients in the Oshatotwa Upgrading Project are government employees
eligible for subsidized housing loans from their employers. There are many more such
clients in the Upgrading Project than expected. And most of these clients are eligible
for housing loans subsidized by their employing government agency that are greatly
in excess cf the low-income housing loans available through the Oshatotwa Programme
(the maximum loan for an erf and a house available from NHE in this programme is
only N$ 32,000).
There are several options available to such government employees participating
in the Oshatotwa Upgrading Project:
1- The client may choose live on the erf for the time being without building a
permanent house. This is fine. But the client must keep up repayment to the NHE for
the erf, as weil as pay rates and taxes to the municipality and any other fees for
services rendered for the client's erf.
2- The government employee may be eligible for a loan from NHE for the e:::-f and
house that is in the range of the Oshatotwa low-income housing programme (that is,
a tGial cost for erf and house of less than N$ 32,000). These clients wanting such a
house on their erven should immediately contact the Oshatotwa team members once
they have arranged their housing subsidy allowance with their employing government
agency.
3- The client with a housing subsidy allowance greatly in excess of the Oshatotwa
maximum of N$ 32,000 is encouraged to approach a private developer to arrange a
direct contract with the developer and a building society to pay for the erf and to build
the house desired. Three private developers have expressed their interest in
participating in this way, and a!"e ready for such clients to approach them. They are
Ombili Homes, Bricko Quality Homes, and PAX Construction. Such an arrangement
will include payment in full to NHE for the erf by the building society. Addresses and
contact persons at these companies ~s printed at the back of this sheet.
4- In all cases where third-party loans are made to include the cost of the erf, NHE
will capitalize the arrears due from the client.
· CONTACTS WITH PRIVATE DEVELOPERS "
Ombili Homes
Address:
Contact Person:
Telephone:
Kenya House,
Windhoek
Mr. van Rooyen
388-34, 388-46
Hricko Oualitv Homes
Address: Sanlam Building
PO Box 11246
Windhoek
Contact Person:
Telephone:
Mr. Stephen Kruger
221-651
PAX Construction
Address:
Contact Person:
Telephone:
16 Jasper Street, Academia
PO Box 22080
Windhoek
Mr. R Graig
422-81 (FAX: 422-80)
OSHATOTWA HOUSING PROGRAMME - PROGRESS REPORT No 5 - APRILJJULY 1994
ANNEX2.2/c
OWNER IMPROVEMENTS ON STARTER SOLUTIONS
DATE: 6 July 1994
TO: Don Kurtz
Community Development Advisor, Oshatotwa Housing Programme
FROM: Bryan Graig, SCA
SUBJECT: OWNER IMPROVEMENTS ON STARTER SOLUTIONS
The following houses which were built during our Oshatotwa phase were further upgraded
by the home owners. Following is a description of alterations and renovations made.
i<t-11
ERFN° M4r.
This home-owner did the following:
1) He put wall tiles (150 x 150) in the kitchen and bathroom;
2) He put vinyl floor tiles in his dining room and kitchen;
3) In his two sleeping rooms he put carpets;
4) He painted the whole interior of his house.
The new alterations place his home in a totally higher category. The job is done very
good.
ERF N° 1402:
This owner did extend his house shortly after it was handed over to him. He built a
bar (store) with a stoep. This made his A-9 house into an A-10 size. He also painted the
interior.
ERF N° 1491:
This owner added burglar bars to his windows to safe-guard it from theft. The job is
done very neatly and professionally.
ERF N° 1396:
This house is also upgraded. Burglar-bars are being added and the whole of its
interior is painted.
ERF N° 1416;
This owner also painted the interior of his house.
All this additional work indicates that we indeed have proud home-owners!
cc: Wilfried Schulte, Diane Bester, Andrew Walton, Panchi Crispo
OSHATOlWA HOUSING PROGRAMME - PROGRESS REPORT No 5 - APRII.JJULY 1994
ANNEX2.3/a
INFORMATION ON ONGOING EVICTIONS
DATE:
TO:
FROM:
30 June 1994
Petronella Taaru, Brian Craig
Don Kurtz
Community Development Advisor, Oshatotwa Housing Programme
SUBJECT: ERVEN IN FREEDOMLAND TO BE VACATED
The occupants of two erven in Freedomland own houses elsewhere, and consequently must
vacate the Freedomland erven. As NHE has potential buyers for both those erven, we want
to expedite the removal of those occupants off the erven. As a first step, would you two
please contact those occupants to advise them that since the registered head of household
owns another house, they cannot participate in the Oshatotwa Programme, and must leave the
erven at once.
The first erf is # 1373, occupied by Petrus Ugwanga, who has a house with the CRIAA
project, Erf # 2277 in Ombili (he took occupancy on 25 August 1993).
The second erf is # 1488, occupied by Simon Augustus, who has a house, Erf # 960 in
Katutura, with a municipality subsidized loan through SW ABOU.
Also, the client on Erf # 1464 straddles the vacant Erf # 1463. He must relocate onto a
single erf immediately, as a client is lined up for the other erf. If he prefers Erf # 1463, NHE
is willing to switch his Deed of Sale (at no cost or advantage) to that erf.
As we have identified waiting list clients with solid credit wanting these erven, the occupants
must be motivated to move off these two erven immediately. Please do what you can to get
them to move. We will be following up with official letters, but want to use personal contact
as a first step.
cc: W Schulte, D Bester, J Lehnert, L Fick, P Crispo
PROPOSED PROCESS FOR REMOVING SELECTED OCCUPANTS
FROM ERVEN IN THE UPGRADING PROJECT
As the Oshatotwa team identifies erven occupants that should be removed from plots
in the Upgrading Project and that have viable options for resettlement, we need to establish
procedures for promoting voluntary surrender and removal, backed up with the real threat of
legal eviction if immediate surrender and removal is not done.
We have identified two clients who signed Deeds of Sale for erven, but have other
houses in Windhoek (one with CRIAA in Ombili, the other with SWABOU in Katutura).
These two clearly contravene the conditions for participation in the Oshatotwa Programme
(i.e., own no other house in the Windhoek area). The first was only detected after signing
his Deed of Sale (he has made no payments and is over N$ 900 in arrears); the second was
detected after signing the Deed of Sale but before computerizing his loan.
We suggest the following procedure, to be implemented immediately, for these two
cases, and for subsequent cases:
1. Clients clearly in violation of terms for participation in the Oshatotwa Housing
Programme are identified, and viable alternatives for settlement are assured.
2. The field staff (Community Development Coordinators and Self-Help Construction
Advisors) will approach the occupants of the specified erven, explain the situation, and
request immediate voluntary surrender of the erf and removal from it.
3. NHE will send the signer of the Deed of Sale a formal notice requesting voluntary
surrender of the erf and removal from it. The letter should state that the signer of the DoS
should contact a specific NHE official at the Katutura or Eros office in this regard. It should
further state that if voluntary surrender and removal is not effected within a specified time
(one month?) that NHE will immediately institute legal eviction action. This letter should be
signed by the finance manager.
4. If voluntary surrender and removal is not effected by the specified date, NHE must
immediately initiate legal eviction as quickly as possible. The cases identified are clear
violations of conditions of participation in the Oshatotwa Programme, and the "owners" have
completed houses elsewhere, so there is no issue of the client having no viable alternative
living space.
Attached please find a copy of a memo to the CDC and SCA responsible for
Freedomland requesting their action on this issue.
Also attached please find copies of drafts of letters to the first two clients to be
requested to immediately surrender their erven voluntarily.
dk/30 June 1994
-,
NAT.IONAL HOUSING ENTERPRISE
" Finance erancl'I: tndependence-Avenv1t; ~a1u1ura " P.O. 8011 20192, Wlndnoell, Namltlla
Enquiries: D Bester
30 June 1994
Mr Petrus Ugwanga
PO Box 21013
WINDHOEK
Dear Mr Ugwanga
Telepnone (061) 81288 " Fa11 (081) 217053
ERF NO: 1373 IN FREEDOMLAND ALSO: ERF NO: 2277 IN OMBILI
With reference to your application for an erf in the Oshatotwa Housin~
Programme, erf no 133 in Freedomland, this is to repeat that one of the
main criteria for participation in the Oshatotwa Programme is that
clients cannot own another house in the Windhoek area. This has been
explained to all clients in the resettlement project prior to taking
appiications for participation.
As you already have a house in th~ CRIAA Project, erf no 2277 in Ombili
(for which you took possession on the 25th August 1993), you acted
improperly and deceptively in applying tq NHE for erf no 1373 in
Freedomland . Consequently, you must report to NHE to arrange voluntary
surrender of erf no 137~ in Freedomland immediately.
This letter is to formally advise that if you do not immediately make
voluntary surrender arrangements, NHE will take legal action to have you
evicted from 2rf no 133. All legal and removal costs will then be at
your expense.
Please contact Mrs D Bester at our head office in Eros immediatly.
Yours faithfully
----------------------------·-----------
NATIONAL HOUSING ENTERPRISE
·Finance Branch: Independence Avenue. Katutura " P.O. Box 20192, Windhoek, Namibia
Telephone (061) 61288 " Fax (061) 217053
Enquiries: D Bester
30 ,June 1994 _. , ...
Mr Simon Augustus
PO Box 69
WINDHOEK
Dear Mr Auguscus
~RF NO: 1488 IN FREEDOMLAND - ALSO: ERF NO: 960 KATUTURA
With reference to your application for an erf in the Oshatotwa Housina
Pro;~ramme, erf no 1488 Freedomland, this is to repeat that one of the
main criteria for participation in the Oshatotwa Programme is that
cliunto oennot own ~nether house in the WindhoeK area. This hae been
explained to all clients in the resettlement project prior to taking
applications for participation.
As you have a previous loan subsidized by your employer, the
Municipality of Windhoek, through SWABOU, for erf no 960 in Katutura,
you acted improperly and deceptively in applying to NHE for erf no 1488
in Freedomland. Consequently, you must report to NHE to arrange
voluntary surrender of erf no 1488 in Freedomland immediately.
We note that you have not made any payments to date for erf no 1488 in
Freedomland, and are consequently in arrears to NHE in the amount of
N$981-44.
This letter is to formally advise that if you do not immediately make
voluntary surrender arrangements, NHE will take legal action to have you
evicted from erf no 1488. All legal and removal costs will then be at
your expense.
Please contact Mrs D Bester at our head office in Eros immediately.
Yours faithfully
I
~~ KLERK
~GER : FINANCE BRANCH
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/: /: ::: /::: \\://:/// > ::>:><M?Jf .J):Jt~::~ Jf 1FM>><<<><:t>>:<: :\\ : :
DATE:
TO:
FROM:
9 June 1994
Wilfried Schulte
Project Co-ordinator
Don Kurtz
Community Development Coordinator, Oshatotwa Housing Programme
.... ' .... '.
','.',','.''
SUBJECT: MOVING FORMER CLIENTS OFF UPGRADING PROJECT ERVEN
In order to facilitate the removal of people and their belongings off of erven in the Upgrading
Project when they voluntarily give up occupancy or when/if NHE decides to legally and
physically evict them, we should consider assuring the transport necessary. There are several
good reasons for doing this.
First, it is now clear that many of the clients moved onto this project site by the resettlement
programme would not have moved to the site by choice, and would prefer to be somewhere
else in the Windhoek area. Transport was provided by the government/municipality/NHE for
the move from Katatura Single Quarters and other 11squatter 11 areas to the resettlement areas.
Thus, a case can be made for "if you transported us in, you should transport us out." This
is a social argument from the client's point of view.
Secondly, it would be a financial burden, possibly an impossible one, for these clients to
move their structures and belongings to new sites on a short schedule. This is a economic
argument from the client's point of view.
Thirdly, assuring transport would likely accelerate the removal of non-paying clients from
Upgrading Project erven, and to allow NHE to quickly replace them with more viable clients
who are interested in the erven and consequently more likely to maintain their repayments.
For an investment of a day's rental of a truck, NHE could replace a couple non-paying clients
with more willing clients who are more likely to keep· up their repayments. This is an
economic argument from NHE's point of view.
There are probably a number of other good arguments that can be made, but these are enough
to show the validity of considering the idea.
Note also that the Municipality may be providing transport to people going into the reception
and transit areas programme, so that if any Upgrading Project clients sign up for that
programme, the Municipality may be responsible for their transport.
cc: J Lehnert, K McNamara, A Walton, D Bester
"National. Housing Enterprise
Oshatotwa Housing Programme
ISSUES REDUCING POTENTIALS
OF LOW-INCOME HOUSEHOLDS TO PURCHASE
APPROPRIATE RESIDENTIAL PROPERTY
Following are several issues identified in the Upgrading Project of the Oshatotwa Housing
Programme in the resettlement areas in northern and northwestern Windhoek that may require
legal changes to improve low-income households' capacities to buy and own residential plots
in the urban area.
(1) Traditional marriages are not acceptable "married" co-owners of property. Thus both
incomes cannot be considered by the agency extending credit.
(2) Broken marriages in community of property present special problems. Some wives,
permanently separated but not legally divorced who were resettled, cannot buy
property in their own names. In at least one case, the estranged husband demanded
his legal right to sign the Deed of Sale for an erf onto which the separated wife had
been resettled, and then kicked her off the plot.
(3) Foreign citizens who are legal residents are not allowed to buy the property. Several
cases were found where Zambian and Kenyan women had married Namibian men in
exile, returned with them to Namibia, and then separated and/or divorced. Some were
in stable employment or successful small business entrepreneurs, and are solid
contributors to the economy and to society.
OSHATO1WA HOUSING PROGRAMME- PROGRESS REPORT No 5-APRILJJULY 1994
ANNEX2.3/b
EVICTIONS PROCEDURES, MINISTER OF RLGH POSmON
,,l\\1\\'[1! 11 ' -- 11' I I 11 . !' !
~i'
{ Jt evicts clients from their houses only after they have failed
o {'. y the instalments on their loans for a certain period of time.
It is important to note that
V, f makes all efforts to give
'h '10me-owner a fair chance
'o repay his arrears before any
· ·rn is taken to have the client
~. yed. Eviction always takes
place as a last resort.
No houses are repossessed
without prior notice. Clients re-
ceive written notices as well as
personal house calls by NHE of-
ficials motivating them to pay
~~~~¡ ~-:Z~-.-~(te®~~)>
Encouraging advice
"&B Pelonomi, P O Box 945, Onmjemund, writes:
·t of all, I would like to thank NHE for the difficult task they
- pe1·fonning by providing the whole community of Namibia
-t\\'ith housing where they can. It is really a difficult task which
rsts on your shoulders and I want to say, continue to help the
rtire population of this country to have shelter over their heads. I Some ofus don't understand how difficult it is, as in your case,
1 ,hat sometimes you spend restless nights while we don't know
~hat a responsible task you have.
I I would like to request my fellow home-owners, to please be
I very patient with our brothers and sisters at NHE because they
i understand our housing problems.
I To all home-owners, we must understand that Namibia is a
pig country and every town and rural area need assistance with
! housing. Sometimes it takes a long time for NHE to give attention
1 to every citizen. We must also understand that on the other hand,
it depends on the availability of finances. We must understand
I
that Jerusalem was not built In one day and therefore we cannot
expect that houses will be built in Namibia in one day. It will take
(
ime - days, months and sometimes even years. .
Those who do not have an NHE house should not feel that they
I
ave been forgotten. Wait until it is your opportunity and you
shall never be left out.
I Last, but by no means least, I would like to extend my big thanks to the Minister and staff of the Ministry of Regional and
I Local Government and Housing who work so hard in assisting , NHE to provide houses to the people of Namibia. We are with you
land will support you wherever we can. Your excellency, Dr
I Libertine Amathila, we thank you for performing this difficult
I task which rests on your shoulders. I am glad to receive the NHE News from NHE. It was a
I
surprise for me to hear that we can apply for second loans because
I
I want to improve my house with additions and alterations. I hope
to be one of the lucky ones. I have waited for a long time, more
than 3 years, for a second loan.
Congratulations to all the staff members of NHE on their
excellent job. I want to remind all NHE home-owners not to fall
into arrears with their pa)ments because NHE needs the money
to build more houses in Namibia. NHE cannot always depend on
the Government.
Please send me every issue of the NHE News newsletter.
Thank you.
7
their instalments. Home-owners
are then invited to visit the NHE
oftice to make arrangements for
ways in which the outstanding
amount can be paid.
As a policy, NHE grants cli-
ents an opportunity to repay their
arrears in instalments or to make
n\\tcrnativc arrangements before
legal action is taken against
them. Theperiodofthisarrangc-
mcnt differs from client to client
as each client's individual cir-
cumstances are taken into con-
sideration.
It should be emphasised that
no house is repossessed without
prior notice.
If a client fails to pay his/her
account for a period between one
and one and a half months, he/
she receives a letter by mail re-
minding him/her that instal-
ments have to be paid in advance
on the first day of the month. He
or she is then requested to pay
the outstanding amount as soon
as possible.
Ifthc client does not respond
to this request after two and a
half months, a registered letter
is mailed to the client in which
he/she is given 30 days from the
date of the notice to settle the
arrears in his/her account. He/
she is also informed that failure
to do so might result in the fol-
lowing:
1. The Sales Agreement will be
· cancelled;
2. The property will be repos-
sessed;
3. A claim will be made against
him/her for the outstanding
amounts plus interest on the ar-
rears.
If, after a period of three and
a half months the client docs not
respond, he/she will receive a
notice by registered mail, inform-
ing him/her that an application
has been made to the Magis-
trate's Court for the cancellation
of the Sales Agreement and that
summons is to be served on him/
her.
Ifa period of more than three
and a half months has passed
without any response from the
client, a final registered letter is
sent to the client informing him/
her that an application has been
made to the Magistrate's Court
for the cancellation of the Sales
Agreement and for summons to
be served on him/her.
A copy of the final letter is
sent to the client every month if
no response is obtained from him/
her.
NHE then applies to the Mag~
istrate's Court for the cancella-
tion of the bond. Summonses are
also prepared and sent to the
Clerk of the Court to be issued to
the client. The Messenger of the
Court delivers these summonses
to the house of the client. In the
summons the client is given 3
days in which to respond. If no
response is obtained, the Court
issues judgement which is sent
to the client by registered mail.
If the client does not respond
after 10 days, NHE prepares a
request for an eviction order from
the Magistrate's Office.
After the eviction order is
obtained, the Messenger of the
Court visits the client in person
to warn him/her of the eviction
date. At this stage, the Messen-
ger of the Court encourages the
client to either pay the arrear
amount or make arrangements
with NHE to have it _paid. If by
this time the client does not re-
spond, the eviction takes place
and the property is sold.
Costly
From the above procedures
one can see that it is a lengthy
and costly process. NHE tries to
prevent this by encouraging cli-
ents to pay their instalments regu-
larly. Many evictions could be
prevented if clients would come
to the oftice and discuss their
problems before it is too late.
Some people also get evicted
because they do not inform NHE
that their addresses have
changed. As a result, they do not
receive the notices issued to them.
''He,lpingpeople to
house themselves"
shines through,
says Minister
The NHE slogan, "He/ping people to house themselves,"
shines through NHE's improved services as well as the type
and quality or houses that NHE provides.
Thisopinionwasexpressed and Local Government and
by the Minister of Regional Housing, Dr Libertine
I No more subsidies l
The Ministry of Regional and Local Government and
Housing has discontinued subsidies on interest rates that
used to be allocated to NHE.
According to Minis~er Libertine Amathila, this deci-
sion came into effect as from November 1993. When she
made the announcement, ])r Amathila emphasised that the.
position of NHE clients who were allocated subsidies be-
fore this date, will not be affected and that they will
continue to enjoy their subsidies. This means that all new
clients who received loans since December 1993 will repay
them at market-related interest rates. .
This decision means that the NHE will in future have to
generate its own funds in order to survive and therefore the
company will have to strengthen its accounting principles
to ensure that it succeeds without financial assistance from
the Government.· ·
To reach this decision, the Government had thoroughly
considered all options and concluded that NHE can sue- ..
ceed on its own if it was given all political and moral.
support it needs to operate as an autonomous body, · .
Although NHE did venture into the field of selfhelp ·
housing, the company had to spend money on "on-site"
training and technical assistance. These costs cannot be
recovered from the home-owners involved in the project
because it would make the prices of houses too expensive
compared to contractor built houses.
In view of these difficulties, Dr Amathila gave NHE a
full mandate to construct profitable houses in areas that
are not catered for by the private sector. This would enable
NHE to use the profits from these houses to pay for
expenditures incurred in self-help projects.
. She emphasised that although NBE would be doing
pi;ofitable housing projects, it does not mean that the
company would not have a role to play in the low income
field. . . · .
"I am aware that the demands I am making on you ar~
not simple, but I have confidence in you. You are experi-
enced in dealing with housing issues and are able to make
it alone with support and commitment of all people in-.
volved," she said in an address to the NBE management.
3
Amathila, when she intro- "These efforts are thetesti-
duccd four new members of mony of an organisation that
the NHE Board of Directors to puts the interests of the people
the media this month. at heart," DrAmathila said.
The Minister also an- She said many clients
nounced that NHE has ex- stopped paying their instal-
panded its services through- ments immediately after inde-
out · Na- pendence be-
mibia, espe- cause they cx-
cially in ar- pectcd that in
cas that an indcpcnd-
wcre for- ent Namibia,
mcrly neg- the Govcrn-
lccted, such ment should
as Rundu donate houses
and Kalima to the people.
Mulilo. She ~-~~~~ This resulted
said accord- ·,· · in a chain of
ingtoNHE's boycotts that
project pro- ·:: ·/ ;.i could have
gramme, .. ·; gone out of
projects will ..L "· . .. hand if the situ-
be started Dr Libertine Amathila. ation was not
in Ondangwa, Ludcritz and handled firmly.
Walvis Bay in the next finan- Dr Amathilacxplaincd that
cial year. she had given her full support
Dr Amat hi la com- to NHE to step up legal action
plimcntcd NHE's willingness against defaulters through con-
toassist with thc housi'ng nccds stant follow-up and
of the disadvantaged people. rcposcssion of houses.
This was demonstrated by "Today, arrears arc in con-
NHE's prompt action to im- trol, and the amount collected
prove the housing situation in against the amount required to
Hainyeko, the resettlement of be paid by clients for the 1992/
the Katutura Single Quarters 93 financial year, amounts to
residents and the renovations more than 100 per cent.
of the Quarters. NHE will also "These accomplishments
assist the Municipality of are a tcstimonyofan organisa-
Swakopmund with renova- lion that is efficiently run by a
lions to the Mondcsa Single team of committed men and
Quarters. women", Dr Amathila said.
( Opsomming )
Leuse weerspieel dade
Die slagspreuk van NHE, "Helping people 'to house
themselves," word weerspicel in dieverbeterdc diens wat
die maatskappy lewer sowcl as die tipe en gahalte huisc
wat dcur die maatskappy voorsien word.
Hierdie siening is onlangs deur die Minister van
Streeks- en Plaaslike Regering en Behuising, Dr. Liber-
tine Arnathila, gehuldig.
Dr. Amathila het tydens diesclfde geleentheid
aangckondig dat NHE se dienste dwarsoor die land na
vorige verontrcgte gebicde uitgebrei sal word.
Sy hetook NHE gelukgewens methul bereidwilligheid
om die behuisingsnood van die verontregte inwoners van
die land aan te spreek.
Volgens haar bewys dit dat NHE 'n maatskappy is
wat die belange van die mense op die hart dra. Sy het
aangckondig dat sy haar voile stcun aan pogings deur
NHE toegesc het om op te tree teen mense wat nic hul
finansiele verpligtinge nakom nie.
OSHATO1WA HOUSING PROGRAMME - PROGRESS REPORT No 5 - APRIIJJULY 1994
ANNEX2.5/a
PROPOSAL FOR OMBATERO GROUP FACILITY
AT ONGUUO YE PONGO COMMUNITY CENTER
ENQUIRIES: S SHANINGWA
~inistry of Lands and Resettlement
Private Bag 13343
WINDHOEK
ATTENTION: MRS JU MUPURUA
Dear Madam
J.EF: 156926
20 July 2.994
RE: }1ATCHING ASSISTANCE 'l'O THE OMBATERO HANDICAPPED GROUP IN
ONGHUUO YE PONGO, OKURYANGAVA FOR A LOCAL WORK AND STORAGE
CENTRE
Please find attached the proposal for the above-mentioned
subjec1:..
Could you please peruse the proposal and comment.
We would appreciate it if you could organize a meeting in order
to finalize the proposal as soon as possible.
Yours faithfully
W SCHULTE: PROJECT CO-ORDINATOR
OSHATOTWA HOUSING PROGRAMME
for: SNR ~1ANAGER: ':'ECHNICAL .s, :-!ARKETING SERVICES
~NCL
'>TS \\mj
PROPOSAL
TO THE MINISTRY OF LANDS AND RESETTLEMENT
FOR
MATCIDNG FINANCE TO THE OMBATERO HANDICAPPED GROUP
IN ONGHUUO YE PONGO, OKURYANGAVA,
FOR
A LOCAL WORK AND STORAGE CENTRE
INTRODUCTION;
The National Housing Enterprise, through its Oshatotwa Housing Programme (for low-
income people in Windhoek), proposes to assist the Ombatero handicapped group in its
income-generating handicraft activities, with matching funds ( for every Namibian Dollar
raised by the group from other sources, the NHE through the Oshatotwa Housing Programme
will contribute a Namibian Dollar) to build a work and storage facility at the Onghuuo ye
Pongo Community Centre.
The Ombatero group would be responsible for maintenance and upkeep for this
facility, and for electrical supply. Water and toilet facilities would be provided by the
Community Centre for the time being for a nominal fee to permanent users of the community
centre.
The preliminary plans call for a brick building approximately 4.7 metres by 12.1
metres, with a 1.3 metre roof overhang on the nonhwest (street) side. The building would
be composed of one large room (that could be partitioned with dividers), and two storage
rooms. A rough estimate of the cost of the construction of such a building is N$ 45,000.
NHE, through the Oshatotwa Programme, is willing to contribute up to N$ 20,000.00 towards
the costs of this construction, matching every dollar raised from another source with a dollar.
BACKGROUND:
In 1992, the Ministry of Local and Regional Government and Housing, and the
Municipality of Windhoek, arranged for the resettlement of squatters in the Katatura Single
Quarters and other areas. One thousand such households were relocated on erven owned by
NHE. The NHE offered loans the purchase of the erven and building houses.
The Ombatero group were among 61 households resettled to the community called
Onghuuo ye Pongo. The Ministry of Lands and Resettlement has reported a productive
relationship, both before and after the move, with this group.
Four members of the Ombatero group, along with the rest of the 61 households in
Onghuuo ye Pongo, signed deeds of sale with NHE for their erven in July 1992. The four
members of the Ombatero group have consistently had better repayment rates for their erven
than have the others in Onghuuo ye Pongo. One owner, in fact, is always ahead of deadline
on payments. While most of the Ombatero group members live in Onghuuo ye Pongo proper,
others live in neighbouring communities.
Page 2 .
"
The group has been active in community affairs as well. One has served c:c. the
community committee from its inception in 1992. Another currently serves as community
water management secretary (this committee collects fees and pays the water bills for the
communal taps and toilets). They are respected members of the community, and a positive
and stabilizing influence in the area.
HANlHCRAFT PRODUCTION:
The Ombatero group works to support itself by producing and selling handicrafts.
They concentrate on basket weaving, knitting and sewing. Currently they work out of their
homes, storing equipment, materials and products in their houses (generally shacks
constructed of informal materials). The resulting knitwear and sewn products consequently
are often dirtied and thus sub-standard in quality. Access to the materials is dependent on
the presence of the particular members in whose houses the equipment is stored.
In 1994, the Ombatero group have to date produced and sold sweaters, sewn goods
and woven basket products for N$ 1 195.00. These products were sold through street vendors,
as well as through direct sale such as Saturday locations on the Post Mall in downtown
Windhoek.
A local facility in Onghuuo ye Pongo would work to improve the productivity and self
reliance of the Ombatero group by improving the efficiency and quality of their products, by
increasing their potential for producti_vity, and by providing the potential for additional
options.
The Ombatero group would bring to the facility their equipment and materials. They
currently have five sewing machines which will be placed in the facility for use and storage;
these include two Singer Pressomatics (electric) and three hand-operated Singers.
THE PROPOSED FACUJTY:
NHE has built a small community centre at Onghuuo ye Pongo, on a large lot, that
is designed for expansion as demand and support for additional facilities arises. The current
facility comprises a roofed meeting area and two adjacent office/rooms (one is used as the
NHE site office, the other as a kindergarten, an adult literacy classroom, and for other
community meetings), two toilets and a small kitchen. The attached site sketch shows the
existing building outlined in yellow, and the proposed facility for the Ombatero group
outlined in green.
The preliminary plan includes two storage areas at each end of the building, each 1.2
meters by 4.4 meters. The large work area is 8.8 metres by 4.4 metres, and is designed to
allow easy partition by movable dividers. thereby providing two separate work areas, each 4.4
meters by 4.4 metres.
The facility would have its separate electricity supply, so the Ombatero group would
be solely and completely responsible for the power it consumes for lights and operating any
electrical machinery and equipment.
The users of the facilitv would have access to the community centre's toilets and
kitchen. on the condition that they participate in maintaining the cleanliness and equipment
Page 3.
in common-use ~reas. A monthly user's fee will be required of the Ombatero group for the
operating costs of the community centre (lease; rates and taxes, water costs, maintenance, etc.)
based on the actual operating costs. The community centre is meant to be a self-supporting
operation and in this way will recover its operating costs. An "agreement of use" or contract
to this effect will be signed by the NHE (the current lease holders for the community centre
site) and the Ombatero group, detailing rights and obligations of each party for the centre as
well as for the Ombatero facility itself, including the user's fee rates.
THE ESTIMATED BUDGET:
The first budget estimate for the preliminary plans is about N$ 45,000.
This includes about N$ 33,000 for materials (sand, brick, cement, doors, windows,
roofing materials, electrical wiring, etc.), plus about N$ 10,000 for labour and other
construction costs; the electrical connection and control box is another N$ 1,100.
Once satisfactory commitments to finance the construction are in hand, it would take
about 4 months for NHE to complete the construction (one month to finalize plans, one month
to obtain the required building permits, and two months to build).
Additionally, certain operating costs should be planned for on an annual basis. These
will include such things as electricity costs (paid directly by Ombatero to the Windhoek
Municipality) and user's fees for the facility on the community centre grounds and common-
use considerations (paid to NHE for the time being; eventually to be paid to the community
authority managing the community centre).
Annexures:
- Site sketch:
- Preliminary plans for building;
O/05:OMBATERO.PRO:20 July 1994
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OSHATO1WA HOUSING PROGRAMME - PROGRESS REPORT No 5 - APRIUJULY 1994
ANNEX2.5/b
MANAGEMENT GUIDELINES FOR COMMUNITY CENTERS
Oshatotwa Community Centres
MANAGEMENT GUIDELINES
1. Managing of the Community Centres:
There should be a local Community Centre Management Committee for each of the
community centres. Each committee should have its own specific rules and
regulations concerning its membership, terms of office and other conditions
appropriate to that centre. The general issues with which the committees must deal
in the managing of the centres are covered in the following points.
2. Maintenance of the Community Centres:
- Who is responsible for cleaning? How is cleaning managed?
- Who is responsible for reporting damages and wear-and-tear? Who is responsible
for . making the repairs?
- Who pays the water, sewage, electricity, etc., bills?
- How is the money raised to pay these costs?
3. Use of the Centre
- Who can use the Centre?
- Under what conditions can they use the Centre?
Are cash payments required? In advance?
Are in-kind payments acceptable? How would they be determined.
- The committee would provide the centre at standard cleanliness. Any additional
cleaning and decorations would be the responsibility of the user. Cleaning up
afterwards, and removal of decorations, is also the user's responsibility (or
there could be an extra cleaning charge).
4. Scheduling Use of the Centre
- Who is responsible for scheduling use of the Centre? How are conflicts resolved?
- How are scheduled uses made known?
5. Caretaker or Guard
- Who is responsible for assuring security of the centre?
- If a security guard, who is responsible for arranging?
- If a caretaker, under what terms? To whom does the caretaker report? What are
the caretaker's hours? What facilities are provided to the caretaker? What are
the responsibilities (security? cleaning? watering plants?) of the caretaker?
- How is money raised to cover these costs?
6. Financial Reporting
- Who is responsible for keeping financial records?
- How is reporting to be set up, and how is transparency to be assured?
- How is income to be generated?
0/01 \\GUIDELINE.CAM
OSHATOlWA HOUSING PROGRAMME - PROGRESS REPORT No 5 - APRIL/JULY 1994
ANNEX2.6/a
SOCIO-ECONOMIC SURVEY
O. Introduction
During the evaluation and planning workshop in February 1994 it was suggested
that a survey be conducted in order to update knowledge of household composition,
income and housing preferences in the upgrading areas. A better understanding of
the target group is essential for designing, in an appropriate way, the tasks ahead,
basically, identifying clients for starter solutions and building material loans,
according to needs and affordability.
13 test interviews in Onyeka were completed in early March and evaluated by the
SUM Consult team. After the revision and final design of the questionnaires, a 25%
sample survey of 8 communities in the upgrading areas was conducted by three
Community Development Coordinators in March and April. Only 64% of the targeted
sample was completed, 16% of the total number of erven. (See also "Analysis of
Non-Respondents in Household Survey" in the Annex).
Table 0.1: Selected and completed interviews
· <tsel;ctecf
",._._ ... :·
Area Total No. of /"Interviews % of target % of total
erven .. for survey ·".""" completed completed erven
Onghuuo ye Pongo 61 13 87% 21%
Nangolo 134 22 65% 16%
Oduduluka 15 4 100% 27%
Freedomland 98 9 38% 9%
Josef Nepando 124 17 57% 14%
Epandulo 34 5 63% 15%
Onheleiwa 136 22 49% 16%
Greenwell Maton 0 291 48 81% 16%
Totals 140 64% 16%
Data entry and analysis was done by SUM Consult headquarters in Wiesbaden in
June 1994. The overall impression of data quality is quite positive; the
questionnaires were completed with care, as far as it was possible. Some data on
age and income are lacking. The CDCs observation was that questions regarding
income and savings may not have been answered honestly. In some cases the
repondents felt that the lower they put their income, the more the Programme would
help them. (See CDCs impressions in the Annex)
Residents characteristics
Gender and age
A total of 603 people live in the 140 households surveyed. 82% of them are adults
older than 17 years, 15% are children younger than 12 years. Income earning and
job seeking males still prevail. More than two-thirds of the adults are male. The 28%
female adults are distributed among 71 % of all households.
The gender ratio of 1 adult woman per 2,6 adult males shows that the resettlement
areas have still particular characteristics. Many males might be considered
bridgeholders, with wives in their home villages who will join them once their
employment situation has stabilised.
Table 1.1: Gender of the adults
Total sample Adults> 17
Male Female Total adults
Number people 603 357 137 494
% of people 100% 72,3% 27,7% 81,9%
No. households 140 137 100
% of households 100% 97,9% 71,4%
One third of all people are between 18 and 39 years old (82% of the adults, similar
to the results of the Inception Phase survey), a working age majority. For such a
young generation, children are underrepresented. On average, there are only 0,22
children per every adult (but 0,8 children per adult woman). All children are
distributed among 45% of the households. The group of minors is growing, with most
children at school age or recently born.
Table 1.2: Age groups
Age groups 1>
0 - 12 13 - 17 Total .. 18 - 29 30 - 39 40 - 49 >= 50
·children.·.
90 19 154 66 15 Number people
% of people 15,7% 3,3% 18,1¾~>{ 39,7% 26,9% 11,5% 2,6%
1) Total of 572 people with clear age specincation ·
2) Percent of total of 603 people
Househ9ld characteristics
1. i Household composition
I
'household" was defined as the number of people living together on the same erf.
\\'r..¥ertheless, some erf owners did not even know exactly how many people share
.i i shack with them and could not give their names, ages or employment
~a6kgrounds. Based on the survey definition, the different concepts of family and
ir'"
1
se cohabitation are subsumed in the notion of household.
hdusehold size varies from 1 to 10 members and is on average 4,31 people (for
d:c,tribution: see Chart 2.1 ), only few more in comparison ·to the Inception Phase with
1. '. 45% of all households have, on average, 1,75 minors (younger than 18) varying
t-:·±ween 1 and 6 in number. Most of them are the children of the respondents, the
rrTainder those of the other residents.
ct,art 2.1: Household size {Percentage of n=140)
25%
21%
20%
20%
a 16% "
17%
I ~ 15%
"o
"
' ~ 10% I I! "
I
L
.-I 5% 3%
I 0% 2 3 "
5%
4%
~ :··,
5 6 7 8 I
!
Household size
~ble 2.1: General household data
Total number households
Total number residents
Average number of household members
Minimum number members
Maximum number members
Total number households
Percentage of all households
Total number minors
Average number of minors per household
Minimum number minors
Maximum number minors
All households
140
603
4,31
1
10
Households with minors
63
45%
109
1,75
1
6
3%
2%
9 10
5
3. ln~ome generation
3.1 Household income
The income data surveyed have to be assessed with caution, particularly when the
total household income is concerned. In some cases, the interviewed head of
household did not know the income of the others, in other cases the declared
amounts are rather approximate. Data on casual income are not measurable and
income of the self-employed may vary significantly from period to period.
Income data of 121 households could be ·evaluated (86% of the sample). The
average monthly household income stated is N$ 800 (median) in comparison to N$
500 for the average income of heads of households. In 30% of the cases, head of
household is the only breadwinner with an average income of N$ 586. He has to
feed an average of 3,6 household members.
Table 3.1: Breadwinners
Type of No. of 01. of total Total Income per No. No. earners
breadwinner useful household capita In N$ household per
household cases income in (median) members household
N$ (median) (average)
Only head of 36 29,75% 586 170 3,6 1,0
household
HoH and others 76 62,81% 1110 250 4,5 2,8
Only others 9 7,44% 450 150 4,1 1,8
Total 121 100% 800 222 4,3 2,4
.
7 ,4% of those interviewed were jobless and did not earn any money; the other
household members in this group generate an average income of N$ 450 per month
with 1,8 earners per household. Household members are 4, 1 on average.
In 63% of all cases other household members contribute, together with head of
household, to the total income. The average is N$ 1.110 per household. Income per
capita of this group is nearly the double in comparison with households where head
of household is the only breadwinner. More than half of this group (48 of 92 cases)
belong to the male headed households where number of breadwinners and
household members is much the same.
In Table 3.2, the proportional distribution of income of head of household and total
household income in accordance with income groups in PHSL, is listed. A large part
of heads of households (44%) earn less than 0,5 PHSL and only a few (11 %) more
than 1 PHSL. When total household income is considered, 43% of households earn
more than 1 PHSL (during Inception Phase this proportion was only 24%!). This
9
.1.. Types .of employment
i
I "
1 he e~dnomically active population of the sample are 441 persons, 89% of all
0-pults, 173% of the total sample population. One forth of them are jobless or casual
~bourers. The remaining adults are students or women who were ,d~scribed as
ri'ousewifes. Not a single case of child labour has been reported, not even in the
... 19condary shoal age group (13-17 years).
Jost of the income earners work in the construction sector, except two female
1-irickmaker, all males. The majority are construction workers, others are carpenters,
I '
lainters, plumbers or electricians., Another important group is that of the self-
employed trader: women selling tombo, liquor or food at the plot, or humble dealers
l9lling arou_nd the areas. ·
'
Chart 4.1: Distribution of labourers according ~o main branch'es
Jobless and casual
labourers
24°.Ai
Selfe"l)lo~d
20%
Public sector
13%
Construction
23°.4
Other private sector
20%
13% of the econumically active population have relatively secure jobs in th·e public
·I sector, almost all of them males. A greater part of women are jobless or have casual
employment, while only 19% of males are unemployed and 73% have quite regular
income sources in the private or public sectors.
12
ti\\
f · Conclusions
i.~~
~\\!:·
, Process of consolidation is goir;,g slowly.
'
, Majority of the population are young and active people with a desire to stay in
Windhoek.
, A tendency towards extended family households, not towards small nuclear
families.
" Other types of household, especially the male single headed, still dominate but
are diminishing.
" Balance of gender ratio is improving and there is a tendency towards more
children.
" Female headed households are probably increasing, an indicator of more
economic independence rather than of social decline.
" Share of tenants is probably increasing. This phenomenon has to be studied with
more attention, as should the special situation of households who are not Deed
of Sale owners.
" Household income is higher than expected and probably even higher than
declared. Therefore fewer households are in danger of being removed from the
Programme. If N$ 75-80 is the minimum amount required to participate in
Oshatotwa Programme and if 25% of total household income is the r:naximum
burden the household can afford for housing, the minimum income of the
household should be approx. N$ 320 (0,35 PHSL). 16 cases (13%) in the sample
have less income and might be threatened by removal. Those who earn more
than 1 PHSL might be considered as having an excess payment capacity. 43% of
the sample belong to this group with a potential of becoming clients for an
additional NHE housing loan.
" Median of per capita income (N$ 222) corresponds approximately with basic per
capita income required. 17 households have a per capita income below N$ 75,
the minimum required for participation in the Programme. This is 14% of the
sample.
" More households have additional affordability. Therefore, income of head of
household should not be the only reference to assess affordability but total
income.
" Many households have savings for emergency cases. It is important that the
Programme develops a stratagy to encourage savings for housing.
" A relatively high proportion of people employed in the public and the formal
private sector, thus a relatively high job security.
" The important potential of self-help construction has to be tapped.
" Improvement priorities are: 1.) additional room, 2.) water and toilet. Improvement
of the quality of building materials is not the priority.
16
OSHATOlWA HOUSING PROGRAMME - PROGRESS REPORT No 5 - APRILJJULY 1994
ANNEX2.6/b
SEMI- PUBLIC TOILETS AND INDMDUAL PIT LATRINES
. .
..
"""DRAFr*** .
AGREEMENTS RELATING TO THE ERECTION OF A COMMUNAL TOILET
FACILITY IN THE UPGRADING AREAS
PART A:
STATEMENT OF AGREEMENT TO HA VE A COMMUNAL TOILET BUILT ON A
PRIVATEERF
Note:
" This is to be signed in both English and Oshiwambo or Afrikaans
" This is to be completed by the owner of the erf when a communal toilet is to be
built by the NHE on a private erf.
1.0 1. ................................................................. 1D No ............................................... agree to
( erf owner's name)
have a communal toilet built on erf .............. in ..................................... for which I
(settlement)
have signed a Deed of Sale.
2.0 I agree that I shall at all times allow access to the toilets and water points to those
listed below.
3.0 I understand that all costs for the maintenance and running of the toilets are to be paid
by me and those listed below.
4.0 I understand that the NHE will not contribute in any way to the running of the toilets.
SIGNATURE OF OWNER: DATE:
WITNESS DATE:
WITNESS DATE:
PARTB:
STATEMENT OF AGREEMENT TO PARTICIPATE IN USE AND
MAINTENANCE OF A COMMUNAL TOILEf FACILITY BUILT ON A PRIVATE
ERF.
Note:
" Part B is to be signed in both English and Oshiwambo or Afrikaans
" Part B is to be completed by the users of the a communal toilet to be built on the
private erf mentioned in Part A
1.0 We the undersigned hereby agree to contribute to the costs for the running of and
repairs to the communal toilet to be built on the erf ................... in
............................................................... (hereinafter referred to as the settlement ).
2.0 We understand the following conditions:
2.1. We are to pay all the reasonable Municipal ac.counts relating to the facility to the
Municipality on time.
2.2. The National Housing Enterprise will contribute no funds to any costs relating to the
repair or running of the facility.
2.3. The National Houing Enterprise will not participate or involve itself in any way nor
contribute to any activities for the running or maintenance of the facility.
2.4. We shall contribute money that may from time to time be determined collectively by
ourselves for the running and maintenance of the facility.
SETTLEMENT ERFNUMBER NAME SIGNATURE
0-41.COMMll.T.DOCIAEW.010194
NATIONAL HOUSING ENTERPRISE
OSHATO'IWA HOUSING PROGRAMME
UPGRADING PROJECT
ADDENDUM TO THE CONTRACT
BElWEEN
THE NHE
AND THE HOUSE OWNER
With reference to the loan that I have taken out with the NHE for the construction of a starter
solution
1. ................................................................... ID number ......................................................... .
of erf number ........... in ...................................................... declare that I am in agreement with
(settlement name)
the following :
1. I am fully responsible for all materials for the construction of the above mentioned starter
solution once they have been delivered to site
2. I am to take whatever steps are necessary to ensure the safety of the materials
3. I will have to pay for any materials that may be stolen from the site.
HOUSEOWNER SIGNATURE DATE
-----------------'------,..-----------
1.NAME OF WITNESS SIGNATURE DATE
---------------------------'----
2.NAME OF WITNESS SIGNATURE DATE
0-01/ADDEND.IX)C/AEW/150894
SUM-McNamara Consuitants
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Damoacntal 9. 6200, Wiesbaaen.
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Tel 264-61-35065 Fax 32969
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Damoacntal 9, 6200. Wiesoaaen.
Tel 49-611-522225 Fax 59211
Namibia:
104 Leutwein St. PO Box 3682, WindhoeK
Tel 264-61-35065 Fax 32969
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Tel 49-611-522225 Fax 59211
Namibia:
104 Leutwein St, PO Box 3682, Windhoek
Tel 264-61-35065 Fax 32969
OSHATO1WA HOUSING PROGRAMME - PROGRESS REPORT No 5-APRILJJULY 1994
ANNEX3.1/a
REGISTRATION OF LAND DEVELOPED BY NHE FOR CORE-HOUSE PROJECT
p _p.eox 59
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FAX (061) 3912006 .\\! 80 INDEPENDENCE AVENUE
WINDHOEK NAMIBIA
Office of the Town Clerk
CERTIFICATE FOR SURVEYOR GENERAL IN RESPONSE TO TOWNSHIPS BOARD
CONDITION REQUIRING THAT MUNICIPAL REQUIREMENTS BE MET.
Ref: L/EXT 15/KD 27 July 1994
Enq: HM Kirkpatrick
Tel: 3912385
MUNICIPAL SERVICE REQUIREMENTS
IT IS HEREBY CERTIFIED THAT MUNICIPAL REQUIREMENTS FOR THE APPROVAL
OF DiAGRAM /DIAGRAMS/ GENERAL PLAN NUMBER K290
REFERRED TO IN TOWNSHIPS BOARD CERTIFICATE 117/1993 OF 1993-08-03
HAVE BEEN MET.
ASSESSED
o//.:37..:3/B 7+ ~ ~A-,J)
)C. .z:;::> ~ /$ .-
APPROVED
ENQUIRIES: W G SCHULTE REF: 152931
4 August 1994
The City Engineer
PO Box 59
WINDHOEK
ATTENTION: Mr J Kriel
Dear Sir
ERVEN 1373 AND 1374 (CONS 5841) KHOMASDAL EXTENSION 15
1 I have received your letter L/1373/KD dated 3 August 1994
together with the Certificate of Approval signed by the
Town Clerk.
2 I would like to comment on variqus issues as set out in
your letter as follows:
2.1 PAR 2
The amount of N$26 250,00 reflects a 25% deposit (as
requested by the City Electrical Engineer) for street
lights and reticulation and not only for street lights
as set out in your letter.
2.2 PAR 3.5
Design plans were submitted to Telecom by our
Consultants with no reply what so ever. No ducting
was thus supplied.
2.3 PAR 3.1, 3.2, 3.3 AND 3.6
The issues as set out in the abovementioned paragraphs
will be handled by our Consultants, Lund Consulting
Engineers, in due course.
2.4 Finally I also want to point out that the NHE cannot
be held responsible for public vandalism to road signs
ect. during the maintenance period.
Yours faithfully
/~
W G SCHULTE
PROJECT COORDINATOR
OSHATOTWA HOUSING PROGRAMME
FOR: SENIOR MANAGER: TECHNICAL & MARKETING SERVICES
152~31A/tk
copy: Lund Consulting Engineers (Attention: Mr R Stoldt)
PO BOX 59
WINDHOEK NAMIBIA
80 Independence Avenue FAX (061) 3912006
City Engineer's Department
ENQ:
TEL:
J Kriel
391-2360
The Director
National Housing Enterprises
PO Box 20192
· WINDHOEK
Attn: Mr C,Steenkamp.
Sir
REF: L/1373/KD
ERVEN 1373 AND 1374, KHOMASDAL EXTENSION 15
- 3 AUG 1991t
1. A comprehensive inspection was done on 28 July 1994 by Mr J Kriel of this
office and Mr V Ulrich of Messrs Lund Consulting Engineers to ascertain
whether a certificate for the subdivision of this erf may be issued,
2. The 5% retention fee of N$15 914,75 was received on·2 August 1994 together
with the amount required for the installation of streetlights.
3. The following i terns are however not to the satisfaction of the City
Engineer and must be completed and rectified as soon as possible during
the maintenance period:
' 3.1 A 5,5 metre driving surface was approved provided that kerbs be affixed to
both sides of the road. This was however not done. The kerbs must be
provided.
3.2 The accommodation of stormwater in the turning circle in the cul-de-sac is
not satisf&,ctory as is the absence of shoulders in this street (LCE
drawing - 111/KD 1373 - 74/107).
3. 3 The extension of a barrier kerb for 5 metres after the radius was not
constructed according to the detail.
3. 4 No street lights have been erected., (Deposit was received on .2 August
1994. }
3.5 No detail of any Telecom ducting has been submitted.
3.6 The sewer manhole situated in the street does not follow the levels of the
street. (The manhole cover fits skew and is not level with the road
surface.
4. The commencement of the 1 year maintenance period· can be taken as·2a July
1994. The outstanding work must however be constructed as soon as
possible.
2.
5. The responsibility lies with your organisation to arrange with this
department fqr the final inspection after the 1 year maintenance period
has lapsed.
6. I have with regret noticed that the Consulting Engineer diverged from the
standards as agreed upon and did not comply with the determined
requirements.
Yours faithfully
t/;Pu(,.___--t'
CITY ENGINEER
/gmy
[erfl373,jkr]
COPY:
Messrs Lund Consulting Engineers
PO Box 3106
WINDHOEK
Asst City Engineer: Roads Construction (P du Pisani)
I·
ENQUIRIES: W G SCHULTE REF: 152931
156931
4 August 1994
Lund Consulting Engineers
PO Box 3106
WINDHOEK
9000
ATTENTION: Mr R Stoldt
Dear Sir
ERVEN 1373, 1374 (CONS 5841) AND 1430 KHOMASDAL EXTENSION 15
AND ERF 41 OKU PROPER
A ERVEN 1373 AND 1374 (CONS 5841) KHOMASDAL EXTENSION 15
(PROJECT CODE 152931)
1 I refer to my visit to your offices on 4 August 1994
and to the copy of the letter L/1373/KD dated 3 August
1994 from the City Engineer to the NHE which was
handed to you.
2 I further more confirm that you will sort out all the
issues as set out in paragraph 3 of the letter except
for paragraph 3.4 (which has been sorted out) with the
City Engineer.
3 Please confirm in writing on the outcome on all the
related issues.
4 Do you have something in writing from Telecom?
(paragraph_3.5)
B ERF 1430 KHOMASDAL EXTENSION 15 (PROJECT CODE 152931)
1 You are in possession of the Council Resolution
241/06/93 and I would like you to please act
accordingly on all the issues related to your contract
to expedite the release of the required Certificate by
the Town Clerk.
2 Please be advised that all the issues must be resolved
soon as we are already processing plans "for the
construction of three show houses on three of the
erven for marketing purposes.
C ERF 41 OKURYANGAVA PROPER (~ROJECT CODE 156931)
1 ,The Couhcil R~solution 203/06/93, also in your
possession, is applicable. As set out in Bl above, I
would be pleased if all the related issues could be
resolved soon.
2 Our Land Surveyor (C de Wet of Baard & Van Niekerk)
who has completed the survey and only awaits the
Certificate from the Town Clerk which he needs to
submit the plans to the Surveyor General.
3 The tender for the construction of 63 core uni ts
closes on 10 August 1994 and construction could start
at the end of August 1994.
Your cooperation will be appreciated.
Yours faithfully
/4
W G SCHULTE
PROJECT COORDINATOR
OSHATOTWA HOUSING PROGRAMME
FOR: SENIOR MANAGER: TECHNICAL & MARKETING SERVICES
152931B/tk
copy: J Lehnert
OSHATOlWA HOUSING PROGRAMME- PROGRESS REPORT No 5-APRILJJULY 1994
ANNEX3.2/a
APPLICATION TO MUNICIPAUTY FOR LAND TO BUILD
A COMMUNnY CENTER AT 0T JOMUISE
NAT
1
IONAL HOUSING ENTERPRISE
Head Office: 7 Omuramba Road, Eros " P. 0. Box 20192, Windnoek, Nam1b1a
Telephone (061) 225518 " Fax (061) 222 301
ENQUIRIES: W G SCHULTE REF: 159933
16 August 1994
The Town Clerk
Municipality Windhoek
PO Box 59
WINDHOEK
Sir
COMMUNITY CENTRE: ERF 917 OTJOMUISE PROPER
The purpose of this letter is to inquire whether the
Municipality of Windhoek will be prepared to allocate land for
the construction of a Community Centre at Otjomuise, a new area
of Windhoek, sorely lacking all kind of community facilities.
With financial assistance of the German Government through the
Kreditanstalt fur Wiederaufbau (KFW), NHE is currently
developing at Otjomuise a 105 Core House Project targeted for
low income families. A new community will thus be created with
people coming from many different parts of the city. NHE will
facilitate the development of this new community and assist it
socially during its initial period, for which a Community Centre
will be required. Funds for construction of such a facility are
available in the Project, not so for the purchase of land.
Erf 917 Otjomuise Proper, zoned as Public Open Space, is
suitable located and NHE wish to apply for a nine year eljven
months lease agreement for an area of approximately 1.750 m of
it as indicated in the plan attached. A Community Centre will
be constructed there, eventually to be transferred to the
community for operation and maintenance once a sufficiently
strong management committee evolves.
As you know, the Municipal Council has already leased for
nominal rates three plots for similar purposes to the Oshatotwa
( KFW) Programme. Two Community Centres have already been
erected in Okuryangava, and a third one for Goreangab is at the
planning stage. The use of these facilities is not limited to
the direct beneficiaries of the Programme, as they are open to
all surrounding communities.
Expecting a favourable answer to this request that will benefit
all future inhabitants in Otjomuise, I remain
(
CHIEF OFFICER
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OSHATOlWA HOUSING PROGRAMME - PROGRESS REPORT No 5 -APRIL/JULY 1994
ANNEX3.2/b
ANALYSIS OF CLIENTS FOR CORE-HOUSE PROJECTS
ANALYSIS OF CLIENTS FOR OTJOMUISE CORE HOUSE PROJECT
NAME " Status occ HHincome Inc.earners HH size Adj.PHSL % excess Loan granted
1 Stanley lsaaks s I 2600 1 3 1620 60.5 40900
2 Raymond Coetzu M p 2500 1 3 1620 54.3 41600
3 Cornelius Joey Swartz M p 2500 1 4 2736 -8.6 36400
4 Sam Hugo X X X X X X X X
5 Manuel Sargo s G 528 1 5 2736 -80.7 28100
6 Frederick Snydes M p 2600 2 6 2736 -5.0 40900
7 E.M.Beukes X X X X X X X X
8 Tessa E. Beukes s p 1750 1 2 1620 8.0 28100
9 Philip van Wyk M p 2638 2 4 2736 -3.6 41400
10 Reginald Ooete M p 2397 2 4 2736 -12.4 38500
11 Moresia Engelbrecht s p 2200 1 3 1620 35.8 36600
12 Daniel Diergaart M p 2000 2 5 2736 -26.9 28100
13 Arnold E. Jarvis s p 2500 1 6 2736 -8.6 45500
14 A. Kavezepa s p 2500 1 1 825 203.0 36600
15 Frederick van Zyl M p 2300 2 5 2736 -15.9 34400
16 R.E.vanWyk D p 2230 1 3 1620 37.7 34400
17 Valentin Beukes M. p 2600 2 4 2736 -5.0 40400
18 Cluinny H. Diergaart s p 1945 1 4 2736 -28.9 30000
20 Karel Ooete M G 1294 1 5 2736 -52.7 41700
21 Jurgen Barth M p 2263 2 3 1620 39.7 32600
22 Nicholas de Koker M p 2468 2 5 2736 -9.8 36600
23 Karel Diergaart s I 2600 1 3 1620 60.5 38500
24 Beulah M. Reiss s p 2800 1 2 1620 72.8 40900
25 Thekka J. Coetze s p 1900 1 3 1620 17.3 30000
26 Wilham Johannes Smith M p 2600 1 4 2736 -5.0 36600
27 Dennis R Christians s p 2100 1 4 2736 -23.2 35300
28 Nicholas J. van Wyk M I 2650 2 4 2736 -3.1 40900
29 Jacques Mouton M G 1635 1 3 1620 0.9 41400
30 Salom Klemens s I 2500 1 3 1620 54.3 34400
31 Margrethe K Vries s p 2600 1 4 2736 -5.0 40900
32 F. van Rooi M p 2105 2 5 2736 -23.1 30000
33 Nehemia Diergaart M p 2210 2 5 2736 -19.2 40900
34 Catharina van Stacken s p 2500 1 1 825 203.0 36600
35 Frederick Strauss s G 2351 1 1 825 185.0 40900
36 Desmond J. Hockey M p 2399 2 3 1620 48.1 44900
37 Mario Bezuidenhart s p 2800 1 3 1620 72.8 42900
38 Esther Shilonga s p 2400 1 2 825 190.9 38500
39 Barend B. Coetze M p 2500 2 5 2736 -8.6 36600
40 Andrew Adams M p 2500 2 4 2736 -8.6 40400
41 Qu. Blockstein s p 1868 1 1 825 126.4 30000
42 Matheus Tjihika M p 1743 1 4 2736 -36.3 X
43 Joannes Tiboth M p 2418 2 6 2736 -11.6 42900
44 Michael Haoseb s p 2350 1 4 2736 -14.1 38500
45 Paulina Denkswana M G 719 1 6 2736 -73.7 X
46 Wilhelm Louw M G 2673 2 3 1620 65.0 45500
47 Job Japhka M p 1851 1 6 2736 -32.3 X
48 J.C.Strauss X X X X X X X X
49 Elizabeth van Wyk D G 528 1 3 1620 -67.4 X
50 Gerard Doeseb M p 2220 2 5 2736 -18.9 36400
51 Johanna Groenenwaldt s p 1800 1 2 1620 11.1 X
52 Valerie Stael w p 2513 1 3 1620 55.1 40900
53 Anne Johanna Lakay D p 2050 1 2 1620 26.5 30700
54 Sofia Naugaube s p 2500 1 5 2736 -8.6 42900
55 Isabel Sigfried M p 2180 2 4 2736 -20.3 34400
56 Daniel Gawaseb X X X X X X X X
65 Johanna Cordfisen D p 2500 1 4 2736 -8.6 42900
66 Rudolf Beukes M p 2574 1 5 2736 -5.9 40400
67 Alfred Abrahams M G 1502 2 5 2736 -45.1 41300
68 Sigfried de Voss s p 2500 1 4 2736 -8.6 28100
69 Samuel Kandimomuaku M G 883 1 8 3921 -n.5 45500
70 Richard E. Guy M p 2200 2 5 2736 -19.6 36600
ANALYSIS OF CLIENTS FOR OTJOMUISE CORE HOUSE PROJECT
71 Henny Jansen M p 2493 2 5 2736 -8.9 34400
72 Rosa M. Sasson s G 528 1 5 2736 -80.7 30800
73 Maria Platt D G 528 1 4 2736 -80.7 30800
74 Josef J. Garaob s p 2700 1 5 2736 -1.3 40900
75 Al1red Blankberg M p 2675 2 4 2736 -2.2 44800
76 Jennifer A. Wana s p 2300 1 1 825 178.8 36600
n Helao Nicodemuo s G 1056 1 3 1620 -34.8 47300
78 Susanna Galant s G 605 1 3 1620 -62.7 32600
79 Wilho Ndanduanga s G 643 1 6 2736 -76.5 X
80 Emst Gurirab M p 1956 2 3 1620 20.7 X
81 Immanuel Erasmus s p 1900 1 1 825 130.3 28100
82 Estelle Schieffer X X X X X X X X
83 Lena Jansen X X X X X X X X
84 Daniel Barser M p 1253 1 6 2736 -54.2 42900
85 Anna Maria Isaak X G 925 X X X X 42900
86 Trevor Buri<hardt s p 2895 1 3 1620 78.7 45500
87 Jacoba van Wyk D p 1n5 1 3 1620 9.6 X
88 Frederick Namaseb s p 2360 1 4 2736 -13.7 36600
89 Siegfried Hengari M p 2533 2 2 1620 56.4 40400
90 Eberhard Botshake s p 1800 1 4 2736 -34.2 28100
91 Demin F. Fexis s p 2500 1 1 825 203.0 38500
92 Dawid P. Diergaart X X X X X X X X
93 Annie Brendel! X G X X X X X 40900
94 Ebson Muhipa D G 841 1 8 3921 -78.6
95 Paulus Nugwanga X G 887 X X X X 43900
96 Hennie Beukes s p 1665 1 2 1620 2.8 28100
.. ·-
97 Ingrid Lucile Summers s p 2726 1 3 1620 68.3 40200 ......
98 Desmond Adams s F-' ' 1925 1 4 2736 -29.6 32600
99: Jon Heyman M p 2029 2 5 2736 -25.8 28100
100 i nocencia da Cunha M p 2471 2 5 2736 -9.7 28100 >----,.
101 · Meripuua Kandindak s p 2450 1 6 2736 -10.5 X
102 Runhad Koebeb X X X X X X X X
103 Alfred Kloete M X 2600 2 5 2736 -5.0 X
104 Johny Araeb s p 14n 1 1 825 79.0 26600
105 F.S.Bezuidenhart X X X X X X X X
106 Priscilla Daniels X X X X X X X X
107 Johannes M. Strauss X X X X X X X X
108 Johannes aoete M p 2396 2 4 2736 -12.4 38500
109 Loretta J. lsaaks s p 2600 1 2 1620 60.5 40900
110 Joseph Einbeck M G 639 1 5 2736 -76.6 43700
111 Dawid Strauss M p 2700 1 5 2736 -1.3 45500
112 Wilfred Ooete X X X X X X X X
113 Sarah A. McKay s p 2600 1 3 1620 60.5 44600
Notes M Married
s Single
D Divorced
w Widower
I Informal sector earner
p Private seGtor employed
G Public sector employed
. . . . . . . . . . . . . . . . . .
. . . . . . . . . . ' ' . . . . . . . . . .
/JV
. . . '.... ' .... ' .....
: ): ////:1~(~)\\J :()/ll:AJf J> JJ/¥ i) :/\\::: ::: .. .... . . . . . . . . . . . . ..
DATE: 7 July 1994
TO: Panchi Crispo,
Chief Technical Advisor
FROM: Don Kurtz
Community Development Advisor, Oshatotwa Housing Programme
SUBJECT: OKURYANGA VA CORE-HOUSE CLIENTS PHSL ANALYSIS
The Okuryangava Core-House Project site has 63 erven, for which one client has cancelled
and as of this time had not been replaced. Thirty (30) clients have employer provided
housing subsidies, leaving a total of 32 clients for analysis herewith. We do not have access
to the computer this week (exclusive priority on the computer use is taken by the Finance
Section to complete their June monthly and end-year reports), and have been able to find the
information on 21 of these (65.6%).
In the following table, the household income has been updated to current figures (between
November 1993 and June 1994). However, the family size data has not been updated since
the applications were taken (mostly in 1992 and 1993, but one is dated 1989).
:::::::::::::::::::i:::::::::::::::::::::::::::::::o.KURY:AN.GAVA::co:a&BOUS.Ji:P.ROJ:ECT:::::::::::::::::::::::::::::::::::i::::::::::::::::
::::::::::::::::::::::::::::::::ANALY~1~::9t::tt¢N:t:Jij¢6.M,~::@».::i@.;n.j~T:]ID::Prist:::::::::::::::::::::::::::::::::
::::::::::::::::::::::::::::::::::::::::::: :::::: ::::::::::::::::::::::::::::::::::: { ;:::::::::::::::: r.~~~ ~~f :: :: :: ::#i~~::::::::::::::::
:<:::::/iti~< :::::::r:: :>: ~~?~:~~:>>:: <<?~~:~ttJ< tt:t~~t~~r :>< ::J~~:~t:1rtr ::
3139 N$1800 1 N$ 82S No (118%)
3143 1400 s 2726 Yes
3183 1662 4 2736 Yes
31S9 2000 3 1620 No (23%)
3146 1200 3 1620 Yes
3149 1S25 3 1620 Yes
3187 1935 s 2736 Yes
3148 2000 3 1620 No (23%)
314S 2000 1 82S No (142%)
3156 2S00 4 2736 Yes
31S2 2150 s 2736 Yes
3158 2150 s 2736 Yes
3148 2S00 3 1620 No (54%)
3164 1771 7 3921 Yes
31S5 1368 7 3921 Yes
3163 2716 6 2736 Yes
3141 1785 3 1620 No (10%)
3150 1636 1 82S No (98%)
3154 2871 s 2736 Yes (5%)
31S7 l6o .. 4 2736 Yes
3172 2240 3 1620 No (38%~
Thi::. analysis shows that 62% of these project participants currently comply with the
adjustment of PHSL for family size . .i:.ight of the 21 (38%) clients have income in excess of
their PHSL adjusted to family size, based on the available data. All of these are
,I
/
Page 2.
families claiming only 1 or 3 family members on their original applications. These
participants show excesses ranging from 10% to 142% over their maximum adjusted PHSL,
an average of 63% for the eight.
Note that all except one meet the flat PHSL criteria.
Diane Bester suggests that NHE needs to make a concerted effort to bring the family size data
up-to-date and realistic. Some 3 member families, for example, claim infant children but only
one adult male and not an adult female when one obviously is producing the children and
probably taking care of them; adding the mother of the children to the equation would bring
any of the above 3-member cases into compliance. This up-dating should be done for both
the Otjomuise and Okuryangava sites; and when interviewing prospective clients for the
Khomasdal site(s), correct family/household sizes should be determined.
· cc: W Schulte, D Bester, A Walton. K McNamara
..
OSHATO"TWA HOUSING PROGRAMME - PROGRESS REPORT No 5 -APRILJJULY 1994
ANNEX4/a
LETrER FROM SWABOU INFORMING OF BOARD APPROVAL FOR LGF PILOT PROJECT
I
I
I
I
DJR/YG/17/94
27 May 1994
Mr L Fick··
TEL 061+2213[15
SWA BUILDING SOCIETY
HEAD OFFICE
7 Post Street Mall, P O Box 79, WINDHOEK, NAMIBIA
Telephone: (061) 22-5911, Fax: (061) 22-1305
National Housing Enterprise
PO Box 20192
WINDHOEK
FAX NO. 22-2301
Dear Mr Fick
PROPOSED CORE HOUSE PROJECT : HORIZON DEVELOPMENT
We refer to our discussions in the abdve regard and confirm
that the Board has approved this project in principle, subject
to the following conditions:
a) Selling price is N$52 500, costs included, of which the
purchaser will contribute N$2 500. The remaining
N~50 000 will be financed by Swabou to approved private
individuals, backed by a 30% guarantee, to be supplied by
the Loan Guarantee Fund.
b) The specifications as detailed on the proposed design
plans are acceptable.
c) Warm water geysers "1st be supplied.
d) No floor coverings - only smoothly finished cement
floors.
Kindly convey this information to aJl parties concerned.
Yours taithfully
(;(':: -i~t· ~~)() '
~-_/.\\-f-: . ---'y-i.J
AJ ORNMAN
ASSISTANT GENERAL MANAGER
P. 1
OSHATOlWA HOUSING PROGRAMME - PROGRESS REPORT No 5 - APRIL/JULY 1994
ANNEX4/b
PRESS ADS, CORRESPONDENCE AND PLANS FROM HORIZON DEVELOPMENT
RELATED TO LGF PILOT PROJECT
·"
D Box 10085, Khomasdal,,Tel (061) 211101/294,
Fai< 213 597
28 March 1994
The Financial Manager
National Housing Enterprise
PO Box 20192
WINDHOEK
Dear Sir
LOW-COST HOUSING PROJECT
Head Office: 4551 Kroonstraat, Khomasdal
1. Our recent discussion regarding the above-mentioned issue refers.
2. Attached please find a proposal as requested for the construction of low-
cost houses in Windhoek.
3. Also be advised that the construction cost would amount to N$33 000-00,
excluding the cost of the erf and the transfer as well as municipal costs.
4. Further information would be gladly furnished upon request.
5. Thanking you for your kind co-operation.
We remain
Yours truly
····· ... ~00.t.~
R~~-~~~aardt
DIRECTOR
Horizon Development (Pty) Ltd
Directors: Henry Edward Coetzee, Malcolm Rittmann
'
Bekostigbare behuis,ing nou
beskikbaar vir Jan-dlleman!!
66 HUISE IN UITBREIDING 15
KHOMASDAL
LET WEL:
. Geen staatsamptenare
Salaris nie hoer as N$2 800 per maand nie
- Gewaarborgde finansiering beskikbaar aan gekeurde kopers deur Swabou . I
gerugsteun deur Jeningswaarborgskema van NHE
·· NAVRAE KAN GERIG WORD AAN TEL. (061) 211101 of 211294
MEJJ SWARTZ OF HUSSELMANN ·
HOOFKANTOOR: 4551 Kroonstraat - Khomasdal
SUPPLEMENT TO TEMPO 17 JUL'( 1994 3
NuWe''huisprojek:b·egin· ·"Khp:rnasdal
ORIZON Development. sake-arm van d1e lnterkerklikc · rue. Die ontwerpc (altesame drtc om van tc kJes) Is egter
eugvercnJgtng (IKJV) In Khomasdal, begin blnnc d1e sodanlg dat ultbreldlngs later gemaak sal kan word
>lgcnde dr1e wcke met d1e oprlgtlng van 66 bulse vir (slen skets htemaas).
le laJ: .lnkomstegrocp In Ultbreldlng I 5, Khomasdal. Die nuwe projek van 66 bulse word met die
tt volg op 'o soortgelyke projek van 58 bulsc wat samcwerkJng van d1e NaUonal Housing Enterprise
nlangs In die Otjlrnuse-woonbuurt voltool ls. (NHEJ en d1c bougenootskap Swabou gcdocn. NHE sal
Mnr. Reggie Dtergaardt van d1e JKJV s! In hul die crwe bcskJkbaar stel(verkoop aan Horizon Dcvelop-
ingang met die gemeenskap Is tot d1c bcsef gekom dat ers) terwyl Swabou die, B.nanslertng van die proJck aal
le mecate ao.slale probleme wat ervaar word, spruJt ult bcharUg.
aglike omstand1ghede waarto mcnsc bly. Ecn van d1c uruekc kcnmerkc van die Dnanslerlng
"BaJe klnders Is soslaal totaal wanaangepas omdat . van die projck Is dat d1t deur ·n lcntngswaarborgfonds
ulle ln ccnvcrtrekhulsc grootword. Met ons projekte gerugsteun word.
11 ons enersyds probcer om vtr laagbcsoldlgdcs ·n Totaal van N$2 mlljocn Is dcur die fonds
:leenlhcld te bled om 'n mccr aanvaarbare tulstc tc Krcdlctanstalt filr Wlederaufbau (KFW) van die Dultse
<ep en andersyds wt1 ons ook probeer om geld tc rcgcrtng bcaklkbaar gestel "as 'n bclcggtng om· as
~crccr vtr ander gemcenskapsprojcktc wat ons wt1 kolateraal" tc dlcn ln gevallc waar kopcrs rue bul
mpak. " bet hy verduldcllk. vcrpllgtlngc nakom nlc; Dtt sal vcrhlndcr dat die
"Ons telkengrocp van mense wat vtr hulse ln die finanslerdcr onnodlge rlslko's loop.
roJek aansock kan docn, slult cnlg1cmand (bebalwc Die docl daarvan Is dan ook om flnanslcrtngs-
:aataamptcnarc) ln wat tusscn N$2 500 en N82 800 lnstclllngs aan tc mocdlg om marktc tc bedlcn wat
:rmaand vcrdlcn. Dlf bedragbchcls die gesamentllkc dusvcr rue aandag gekry bet nle.
Ltomstc van ·n egpaar.· Volgcns mnr. Dlergaardt word hcclwat wcrkgeleent"
Nog 'n voorwaarde wat gcstcl word, Is dat bulsprysc hcde vtr ongcskooldc arbcldcrs by die projck vcrskaf en
"· · ·' "- .,, ~,.--,-,n r,nri1,....r1"""cl1"!flT>1:>t1nnrcln,, "1,-nntot I !>00mcr-~.-,faarde11rgevocdengeklecword.
BATI-fl
·KJTaEN
eeDR. BEOA.
, ,
Die voorgestelde ontwerp van hulstipe C2 van Horizon Development.
l
: 1.
SPECIFICATIONS
GENERAL: FOUNDATIONS 150mm CONCRETE SLAB: 15mpa
BRICKS - SUPER CEMENT BRICKS
WINDOW & DOOR FRAMES - SABS FRAMES
DOORS
WALL FINISHES
FLOOR FINISHES
ROOF CONSTRUCTION: -
HARD BOARD HOLE CORE
DOORS
- WALLS TO BE FAIR FACE
INSIDE AND OUTSIDE
SMOOTHLY FINISHED
NO FLOOR COVERING
LAM PINE BEAM IN MIDDLE OF ROOF
AS SUPPORT
152 x 38mm RAFTERS
76 x 50mm PURLINS
CORRUGATED GALV. ROOFSHEETING
;:/( - NO CEILINGS
PLUMBING:
ELECTRRICAL:
PAINT:
COLD WATER ONLY
PROVISION FOR HOT WATER
SINGLE BOWL SINK WITH GALV.
PIPE SUPPORT
FALKIRK SANITARY FITTINGS IN
SHOWER
HANDBASIN, WC & SHOWER ONLY
SINGLE PLUG IN KITCHEN & LOUNGE
SINGLE SHADE COVER LIGHTS IN
ROOMS
EXTERNAL QUALITY ACRYLIC PVA
INTERNAL/EXTERNAL
-----
...... ! :.!..!!_
I=
0
0
0
10
0
0
0
10
0
0
0
IO
0
0
S!
0
C\\I
C\\I
52 -
0 -
0
(\\I
(\\I
~
10
C\\I
0
C\\I
C\\I
0
10
en
C\\I
6000 rf0 1900 1~f 3660
D-1-1 ·=== '-'-~--
sink
~p~on
jointsT
PLAN
1 : 100
t220 2000 t
PLAN
1 : 100
--- +
\\
'" exAansion
Lj~~---
' KITCHEN/"
LIVING R~M .
20,6sqm
1
8000
110
1900 tt
110 . 1440 22r
6700
220 110
1630 H 1900 ++
2400
. -
0 lg 0~
..
sink
,. ,.. .. f
~JgTCHEN/
I LIVING fiOOM
~~;st;: - ffl,4sqrn~
joint 1 1
I \\
I \\
I 1
I
PLAN
1 : 100
TOT AL BUILDING
AREA" 30sqm
TOT AL BUILDING
AREA" 30sqm
expansion.
Joints
TOT AL BUILDING
AREA " 29,7sqm
expansion
joint
TYPE
....
TYPE
TYPE
A
rn ill om_
ELEVATION
1 : 100
B.
ELEVATION
1 : 100
C
I I I I I I I I I I I I I 11
[]] E ..... '
ELEVATION
1 : 100
PROPOSED DESIGNS " " LOW - COST HOUSING " "
TYPICAL S~ECIFICA TION
1. FOUNDATION.!SURFACEBED :
I) MIN. 650x250mm , 20Mpa CONCRETE.
ii) SURFACEBE;D, MIN. 75mm, 20Mpa, ON WELL COMPACTED
· FILL - 93% MOD AASHTO.
2. DPC:
GUNDLE 250 micron use· GREEN AND BRICK GRIP.
3. WALLS. .
CEMENT BRICIKS, MIN. 7Mpa.
4. PLASTER : .
INTERNAL - STEEL FLOATED.
EXTERNAL - WOOD FLOATED.
5. PAINT:
OUTSIDE ON~Y - TWO COATS PVA.
6. WINDOWS:
STANDARD STEEL FRAMES AND PAINTED HGE.
7. DOORS:
SEMI-SOLID E:XTERNAL QUALITY DOORS. PAINT DOOR & FRAME
BATHROOM - HOLLOWCORE DOOR. PAINT DOOR AND FRAME
8. ROOF/ROOFTRUSSES :
50x152ml'I" LAM 5-,.. PINE. TRUSSES OR 228x50mm SA PINE
RAFTERS. &01t&O SA PINE PURLINS. IBR ROOF SHEETING
FIXED WITH ROOF SCREWS, ALL AS PER MANUFACTURERS
SPECIFICATION. .
6 4mm GYPSUMBOARD CEILING LAID ON 38 x 38mm SA PINE BRANDERING
A
0
S PER MAN. SPEC. .
TYPE A
260x650
2550
76
600
260
B & C
260x660
TYPICAL SECTION
1 : 100
9. LIGHTING PROTECTION :
WHERE APPL!.ICABLE TO SASS APPROVAL
10. ELECTRICAL/PLUMBING/DRAINAGE :
INSTALLATIONS TO BE DONE BY QUALIFIED PERSONS IN
ACCORDANCE WITH LOCAL MUNICIPAL REGULATIONS.
11. EXPANSION JOINTS :
JOINTS TO ALL DOORS AND WINDOWS.
ALLOW FOR SUPPORT WALLS WHERE SLOPE OF
ERF IS STEEP.
12. FENCING - OPTIONAL 13. GEYSER - ONLY CONNECTION POINT
0
3i ...
ti:
!i: _, :;
_,
0 _, ... ... ...
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~
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... "' ::, ::, 3i 0 >- i u ~ 3i 0 3i 0 n ... ... 6 ~ I.LI ..., C ..., C C ..., ..., "'
_J
U,J
1 I ~i,. ,..J... ......._ ...6.. ...6... V l . ...l!:L ,---: ~ ~ I " ~--·"
HORIZON DEVELOPMENT
r
I
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TYPE A 1
TYPE B 1
...
TYPE C 1
,
EXTENSION POSSIBILITIES
! / '--=y. ___ /EDR.
BATHR.L_ /
!:::==::::::::::.:::::::z~LOBB~
II ~-------------=
KITCHEN
BEDR.
/
.u
DINING/
LOUNGE
...
BATI-R ~r KITCHEN
/ LOBBY
l=-===~==t,.,,. d't'
' 'i"
BEDR.
BEOR.
', ,,,
iii ,,
II
"
BATI-R
/
"\\"---
' ' '
~-
,1 ,,
,1
ll
DINING/
LOUNGE
ITTCHEN
1:::-:: =-~-=--:...-:... .: -:
DNNG/
LOUNGE
~ ....
TYPE A 2
...
TYPE B 2
TYPE C 2
.
r-:
~
r::J§:::::;l§§t===~~~==::::::;-,- - - - - - - - "1' t
I
._ BEDR.
~~- .... ..,. BEDR.
BATHR. / LOBBY~/
I ii
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KITCHEN
14----'L _____ _
.1r-- _ -:i:-;.,: - - - - - -
DINING/
LOUNGE
I
I '-r--- __ .l , .... - - - - --r
II I
I
11 I
h /li I
I / I i., I
BEDR.
I I I IL _______ J
1 L-- - - - - __ .,.
r- - - - - - - -.r.::::::i~s:===:e~~:::E~g:::;::i:--= - t ,.------- '1
I I BATl-ll : I
I I ~ BA THR. KITCHEN I I
I I BEDR. ', ~ I I
1 I y--- L:1,_.=-t.-_-_--=- '"'r--. i-t
I I / PASSAGE ', 1 ',
L "' "'...,_.:::..TT-.lo.. : r-= =-~=~,,, 1 = =-=-=---:.··=:-.. ',lff DINING/ : ,
I I i BEDR. :: LOUNGE I I
I I BEDR. \\ I! I I
I I 'I II " - .: :: l
I I I I I I
I
LL_-_ - --=---=- ~ '=-=-- -=-..::: .:::-::.. -:.i
r r - - - - - -, r- - - - :t:::::1§~3::::::::::J~~t::::1
II 11 BA~
, , ~ SATHR. l I
1 I BEDR. ' I
I I =-='=-=-~---'
I I ,=.-::.-::.: -:::::::=:=...::::==l
I I / PAS'SAGE
L _ - - ~ = =, , _ - - - - -".., rt: r-... I ,..... - - - - - .. , I " = - - - - .... , ,, .... - -+
I ', I ', 11,
j 1 .'I '\\1
1
~e~:~E
I I BEDR. BEDA. I l
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I I 7 I I I
1, : l- I 1~ : 1
I " _J 11 ', I
LL - - - - - - ...J L - - - - - - JI 'C - - - - _J l
KITCI-EN
PROPOSED DESIGNS : LOW-COST HOUSING : HORIZON DEVEL·OPMENT
I
:;
OSHATOlWA HOUSING PROGRAMME - PROGRESS REPORT No 5 - APRILJJULY 1994
ANNEXS/a
NHE'S NEWSLETTER PUBLICATION REGARDING BUILDING MATERIAL LOANS
· ·""·;it!~~i~!f-,::p~~II~I~,~~H3; .
. <lrt~his"i~~u~ .. .irtis!~.r9t~,agi9~~1 .. :i
'i~n<fl..<>~l,~~y~m~mim~.f:lg~~.:1 :ing,: DrL.ibertineAltiirtbila is ccmi~t;
.. i .. ·" ('1iJthf4~:t9_,, ·.·c".···,:T·s
ea,i
: Small loans available
for upgrading
L The National Housing Enterprise has made an amount of N$200 000 available for small
,oans to home-owners who wish to upgrade their homes. .
According to Mr Louis
If ick, NHE's Senior Man-
lager: Financial Planning and
Control, there are many
!home-owners who plan to ·do
~mall renovations on their
homes but do not have the
· fash available right now.
r'These are the people we
would like to assist", he said.
I Loans of up to N$5 000
pre available to NHE home-
owners and interested own-
frs may apply immediately
fO make use of the funds.
These loans are repayable
fver a period of three years.
Home-owners may repay the
loan over a shorter period.
This will be to their advan-
tage because as soon as the
loan is repaid, the home-
owner would qualify for an-
other loan. ·
The loan will be treated
as a seperate loan for which
the home-owner will receive
a seperatemonthly statement.
How it works:
Home-owners are ex-
pected to attach a list of their
material requirements for the
upgrading to their applica-
tions. NHE will then provide
achequetothesupplier. This
is a cash transaction in terms
of which the applicant should
then also be given a discount
on the materials.
. The rest of the loan will
be paid out as the work
progresses. In the event of
no progress being made with
the upgrading, NHE will sus-
pend the loan which then be-
comes repayable immedi-
ately.
The other advantages of
the scheme is that the proc-
ess of applying for and re-
Mr Louis Fick, Senior Man-
ager: Financial Planning
and Control
ceiving the loans, hould be
completed within a week as a
second bond will not be reg-
istered. The home-owner's
house will be used as secu-
rity against the loan. .
Mr Fick said that NHE ·
will try to keep the process as
short and simple as possible
so that home-owners could
get on with the job of upgrad-
ing their properties.
J-uaº
The National Housing Enterprise has.
always maintained an open-door policy
and welcomes its clients to come and
discuss their problems· with the ~m-
pany.
. M; Erastus Hendjaia, Councillor for the Hakahana Constituency; extreme left,
accompanied the ad hoc Committee of Okuryangava Ext 4 when they held negotia-
tions with NHE recently. The other members of the Comndttee are from left, Messrs
Laurence Shilondelo, Samuel Vleermuis, David Himalwa, MsM ariaAludilu and Mr
Zed Kaposauo. ·· · · · ·
This policy has in the past proven · runs froni the street into their houses .
fruitful as many problems of clients · . ·-' when it rains. , · :, · · . - - -~ :,_. · - ·:-, ·
have been solved through. negotiation · They also said that all the houses in .
instead of confrontation. · , their area were showing cracks.
An ad hoc committee representing · : Other problems included the fact
residents of Okuryangava Ext 4 re- . .that erven are too small to enable them
cently visited NHE's head office. to to extend their houses or to build a
raise a number of issues which they. · garage. The residents would also like to
wished to bring to the company's atten- have their accounts sent to them on a
tion. _ _ monthly basis.
TheCommitteefeltthatthepainting -. _ The meeting was conducted in a
ofhouses is not a priority and that NHE , · friendly and cordial atmosphere. .
should rather fence houses on all sides. ·· _. · · According to the Manager: Public
Although they are aware that painted ··. · Affairs ofNHE, Mrs Maria Dax, who .
houses look more beautiful, fences, for are fenced only on three sides and ~ot in -· chaired the meeting, all the residents'
them, have more value as it protect · · front, and this they feel, make the prop- complains will be discussed by NHE's
property_andpi-eventunauthorisedpeo- -erties open to thieves and criminals. Management who will then seek ways
pie from entering · and crossing their · · : The · Co~ttee also complained t and means to solve the residents' prob-
properties. At present their properties about storm water, claiming that water · leinS shortly. · · ·
26-3
7-1
:C<><~{:<;::{;,":j:"':"
?t ,Rl:HOB(l \\ .·. > · .. ·· "······.".·"· ,,
jj;,t·.cs ... Septem~ri:<~.·"~·~> .
" __ :.{.<1;.:_ ". · · .". ·· .". ,n Oct ... · ··obe··.· . ·""· ... r .. · .·.·.(P. s ... ···.·.'.&· .. · ·.·.JN) . · .. ·· '···· .
2
d~.:J\\u < · .. ··· ii
.. 23 ~pt~nilier. Ak&i
)}{
"·<.·.34·1"io;eiri1:,ertps~.rN}·":
OSHATOlWA HOUSING PROGRAMME - PROGRESS REPORT No 5 - APRIL/JULY 1994
ANNEX7.1/a
DISBURSEMENTS FROM DISPOSmON FUND
PROGRAMME'S DISBURSEMENTS BY BUDGET POST -2nd QUTR. 1994
DISBURSMENTS FROM DISPOSITION FUND (cont) I 1 I I i i i .
................. 1 ....... I . ................ I ........... 1 .......................................................... 1 l ............... ....... I ...... ............... 1 ..... ........ ............ I .......... 1... ... .. ..... f ...............
i i l i Broughtforward i i i i 5065896.15! i i
Qtr. l N2 i Date l Budgeti Purpose of 1 Amount of 1 GST/amnt. relmi Amnt.relmbursa-! Total dlsbursedj Total dlsb. i Total GST i Total dlsb.
"""""""""""""""""f""" .. """""""""""""""""""" .. """""""""""""""""""""""""""""""""""+""""""""""""" .. """"""""""""""""""""""" .. """ .. """""""""""""""""""" .. "" f""""""""" .. """"""""""""""" .. """"""""" .. """""H""""""""""""""""""""""""""""""""""""""""""""""" .. """ .. """"""""""""" f""" .. """""""" .... " .... """"" .. """""n""""""""""" .. """ .. """"""""""" .. " f""""""" .. """""""""" .. """""""""""""""""""""""""n"oOooooo
i 1 l Post i expenditure i Invoice N$/ bursed by Mptty.) ble from DF N$ i from DF N$l In Qtr i paid In Qtr i DF In Otr
2nd/941 57 i 15/7/941 1.2 \\Phasel-Certif.4 i 119359.64! 5780.621 113579.02/ 5179475.17! i i· ·················t·················.·······················.····················t··· .................................................................. t.··············· ......... t ............................................................................... t .................................................................... t ........................................................
2nd/94) 58 j 15/7/94j 1.2 !Phasell-Certif.4 i 311798.2$. 42288.00, 269509.5~ 5448984.76; 431157.89 j 0.00 j 383088.61
2nd/94 l 39 l 15/7/941 1.3 1 Builder, starter solution ! 2092.00, o.od 2092.00, 5451076. 7~ j i
................................... ,0, ............................................................................................................................................................................................. ,0, ....................................................................................................................................................................... .
·.·. :~::.t.·.·.·.·.:~.·.·.·j·.·.·.·.·.:·~. ::l. · ·.· ·~: !·.·. .·.J. = ::::~ ·.·=:~:~·.:::~::~.·.·.·.·.·.·.·.·.·.·.· ......... 11· -. · -.. . . ...... .. .. ~!!:: ~l . ... ............................................... ~:~...... : · : ...... ~ ~ :~:: ~l ..................... ::::~:::~ ........................... J.:::· ::::· :::· ... . : . .... . . -1-. .. ... . . ...... ... ... . :· :· . . .
2nd/94 l 42 [ 15/7/941 1.3 l Builder, starter solution 2092.od 0.00, 2092.od 5456250.98l l l ·················t·················. .................................................................................................................. " ................................................................................................................................................................................................................................................. .
2nd/94 i 43 i 15/7/94! 1.3 ! Builder, starter solution . 1569.00, 0.0Oi 1569.00, 5457819.981 ! · i ................................... , ... .. ....... , . .........................................................................................................................................................................................................................................................................................................................................
2nd/94 ! 44 ! 15/7/94:, 1.3 1 Builder, starter solution i 1569.00l 0.00, 1569.00, 5459388.98l i j
···············""f""·············· .. """""" .. """ ....................................................................................................................................................................................................................................................................................................................................................... .
2nd/94 i 45 ! 15/7/94! 1.3 j Materials for starter solutions ! 840.00, 83.241 756. 76, 5460145. 74! ! ! ...........................................................................................................................................................................................................................................................................................................................................................................................................
2nd/94 i 46 j 15/7/941 1.3 ! Materials for starter solutions ! 5532.89! 403.61\\ 5129.28l 5465275.021 j l .........................................................................................................................................................................................................................................................................................................................................................................................................
2nd/94 I 47 ! · 15/7/941 1.3 [ Builder, starter solution j 2092.00, o.od 209200, 5467367.02/ l i ··········· ........................ , .....................................................................................................................................................................................................................................................................................................................................................................
2nd/94l 48 j 15/7/941 1.3 iBuilder,startersolution i 1569.00l 0.00, 1569.00l 5468936.0Z i j ........................................................................................................................................................................................................................................................................................................................................................................................................
2nd/94 i 49 ! 15/7/941 1.3 j Builder, starter solution i 1562.521 o.od 1562.521 5470498.541 i i ................................... ,. ... ... ......... , . .............................................................................................................................................................................................................................................................................................................................................
2nd/94! 50 1 15/7/94:, 1.3 iMaterialsforstartersolutions 1 11530.02/ 854.78, 10675.271 5481173.81j i j ············ ............................................................................................................................................................................................................................................................................................................................................................................................
2nd/94i 51 i 15/7/941 1.3 jBrtcktests j 90.00, a.ad, 90.00, 5481263.811 j i
"""""""""" .. """"""""""""""""""""""""""""" ........................................................................................................... "H""""""""""""H" .. " .. """"""""""""""""" .. " .. """""""oo""""" .. "u""""" .. """""""oo""""""""""""""""""oo""""""""""·""oo""""""" .... """"""e ................................................................................. """""""" .. """OO""""""""""""""""
2nd/94 i 52 i 15/7/941 1.3 i Materials for starter solutions ! 5087.1 ~ 376.841 4710.32/ 5485974.13, ! i ................. t .. ········ .................................................... t ..................................................................... , ................................. t ............................................................................... t ................................................................. , ........................................................ .
2nd/94j 52-a i 15/7/94) 1.3 jWaterconnections i 2250.00, 0.O()j 2250.00, 5488224.131 40957.Bfi 1718.44) 39239.37
2nd/941 53 l 15/7/941 1.4 l Walton Stationery Co l 764.22/ 56.61[ 707.611 5488931. 741 l i
.. 2nd/94 r ...... 54 . !, ..... 15/7/9~ ...... 1.4 ..... r Schoemans ......................................... r ......... 31.36.~ . . .................. 31 o. 71 ..................... 2825.2~ .... . 5491756.91. .......................... I ........................ ! ... ... ... ... ....
2nd/94 ! 55 1 15/7/94:, 1.4 1 Equipement for CC No2 i 2203.2~ 163.20j 2040.00. 5493796.97i 6103.42i 530.581 5572.84
2nd/94! 59 15/7/94! 2.3 i Contr. CH at Otjom. Cert.1 584628.441 28968.341 555660.10, 6049457.07! 584628.44! 28968.34! 555660.10
2nd/94i 60 15/7/941 9 !Trainingforstaff 2500.od 247.751 2252.25/ 6051709.321 2500.00! 247.75[ 2252.25
................. 1 ......... l ................ L ...... 1 . . .... . .... . .... . ............................................. 1 .......................... 1 . .. . .. . .. . .. . .. . ............ l .................................... i ... ... ... ... ............ l.1065347 561 .... 31465.111. .. 985813.11
1 [ [ i l i Reimbursable by Municipality this Qtr. i i 48069.28)
DISBURSMENTS FROM DISPOSITION FUND 2nd. QUARTER OF 1994
I Brought forward 5065896.151
Qtr. l N~ Date l Budget l Purpose of ! Amount of l GST/amnt. relm-J Amnt.relmbursa- l Total disbursed\\ Provisional Amount lJ/fference
···············""f""··············································· .. ···········"············ ........................................................................................... f""····· .. """""""""""""""""""""""""""" .. """""""""""""""""""""""""""""""" .. ······"········· .. ·····--············· ........ ;-..---------'------i
l ! l Post l expenditure ! Invoice N$j bursed by Mplty.1 ble from DF N$ ! from DF N$. Appr.No l Reimbursed
2nd l 39 1 15/7/94 l 1.3 1 Builder, starter solution l 2092.od 0.00, 2092.od, 5067988.15! 1 1 2092.001 0.00
···············""f·"········································· .. ···············""f""····························· .. ····································"········ ....................................................................................................................................................................................................................................... .
1994 l 40 I 15/7/94 ! 1.3 jBuilder, starter solution j 1516.50, o.od, 1516.50, 5069504.651 1 1 1516.501 o.oo ··················· ....................................................................................................................................................................................................................................................................................................................................................................................
l 41 j 15/7/941 1.3 ]Builder, starter solution ! 1565.721 0.00, 1565.721 5071070.37j 1 I 1565.721 _ 0.00 .......................................................................................................................................................................................................................................................................................................................................................................................................
1 42 1 15/7/94 ! 1.3 1Builder, starter solution l 2092.0d, o.od, 2092.00, 5073162.371 1 I 2092.001 . o.oo
""""""""""""" .. """""""""""""" .. ··""f""· .. """""""""""""" ... " ............................................................................................................................................................................................................................................................................................................................................ .
1 43 j 15/7/941 1.3 1Builder, starter solution ! 1569.0()l o.od, 1569.od. 5074731.37i 1 1 1569.001 o.oo
""""""""""""""""""""""""""""""""""""""""""""""""""" .. """""""" .. """"""""" .. """"""""""""""" .. """""""""""""""""""""oa""" .. """"""""""""""""" .. """" .. """" .. "" .. """""""""""""" .. "" .. """""" ........ """""" .... """"""""""""""""""""""""""""""""""""" .... """"""""""""""""""""""""" f"""""""".,""""""""""""" .. """""""""""""u""""""" .. """"""""""""""""""""""""""""""""""""" .. """""""""""""""""" .. """"""""""""""""""
I 44 1 15/7/941 1.3 I Builder, starter solution l 1569.0d, o.od, 1569.00, 5076300.371 1 1 1569.001 0.00 ···································"······················"··············· ............................................................................................................................................................................................................................................................................................................................. .
l 45 l 15/7/94 l 1.3 1Materialsforstartersolutions 1 840.od, 83.24! 756.7~ 5077057.13, 1 1 840.001 -83.24 ·················"······················ .............................................................................................................................................................................................................................................................................................................................................................. .
l 46 l 15/7/94 ! 1.3 1Materialsforstartersolutions l 5532.89, 403.61! 5129.281 5082186.411 1 1 5129.281 0.00 ···································"···· .. ·········· " .. " ·· ........................................................................................................................................................................................................................................................................................................................................
! 47 j 15/7/94 l 1.3 \\Builder, starter solution l 2092.od, 0.00, 2092.od, 5084278.411 1 1 2092.001 0.00 ·················"················· ................................................................................................................................................................................................................................................................................................................................................................... .
l 48 1 15/7/94 l 1.3 1Builder, starter solution j 1569.00, o.od, 1569.00, 5085847.41! 1 1 1569.00J 0.00
""""""""""""""""""""""" .. ··········"············· .. ······"f" .. """" .. """ ................................................................................................................................................................................................................................................................................................................................ .
l 49 ! 15/7/94 l 1.3 ! Builder, starter solution l 1562.521 0.00, 1562.521 5087409.93, 1 1 1562.521 0.00 ··········· .. ··?·················.········· . "··········"······· .. ·····t····· ................................................................ , ................................. ,. ...................................................................... t . .. .. .. .. .. ... ....................................... ,. ..................................................
! 50 1 15/7/94 l 1.3 ! Materials for starter solutions l 11530.02l 854. 75! 10675.27: 5098085.~ 1 ! 10675.271 0.00 ································· .. "· ···············"········· ........... . .................................................................... · ....... · ...... .................................................................. " .................................................................... · ..............................
i 51 l 15/7/94 l 1.3 !Brick tests l 90.od 0.00. 90.0d 5098175.2d 1 ! 90.001 0.00
""""""""""""""""" ,o. . ............... " ....................... " .................... ,o. . ..................................................................................................... f, ....................................... " ................................................................................ " ............................ f, ............................ " ........................... .
l 52 l 15/7/94 l 1.3 l Materials for starter solutions 1 5087.16, 376.84i 4710.321 5102885.521 1 l 4673.02! 37.30 ··················· .................................................................................................................................................................................................................................................................................................................................................................................... .
l 52-a 1 15/7/94 l 1.3 1Waterconnections l 2250.od, 0.00, 2250.od, 5105135.521 1 l 2250.001 0.00
"""""""""""""""""t""""""""""" .. """":"""" .. """"""" .. """""""":"""""" .............. t .. "" .... " .. """""" .. """ .. """"""""""""""""" .. """""" .. """""""" .......... , .. """""""""" .. """ .. "" .. """"""""""t" .. """ .. """"" .. " .. """""""""""" .. """"""":""""""""""""""""""""""" .. """"""" .. """""t" .... """ .. """""""""""" .. "" .. " .. """""""":" .... """ ................... "t"""""""""""""""""""" .. """""":""""oo""""""oo"" .. """""oo"""
1 53 ! 15/7/94 ! 1.4 lWaltonStationery Co l 764.22j 56.611 707.611 5105843.13! 1 1 707.61! 0.00 ·················· .. ··········· .. "················· .................................................................................................................................................................................................................................................................................................................................................. .
1 54 j 15/7/94 j 1.4 l Schoemans ! 3136.od 310.77j 2825.23! 5108668.36, 1 ! 2903.701 -78.47 .......................................................................................................................................................................................................................................................................................................................................................................................................
1 55 l 15/7/94 ! 1.4 1Equipementfor CC No2 l 2203.2d, 163.2()l 2040.00, 5110708.~ 1 I 2040.00\\ 0.00
···································"···· .. """""""" .. ····""f""·· ......................................................................................................................................................................................................................................................................................................................................... .
1 56 1 15/7/941 9 ITrainingforstaff l 2500.od, 247.75! 2252.2~ 5112960.611 1 1 2252.25\\ o.oo
............................................................................................................................................................................................................................................................................................................................................. ,0, ........................................................ .
1 57 1 15/7/94 1 1.2 l Phase I - Certif. 4 l 119359.64! 5780.621 113579.021 5226539.63! 1 1 119359.641 -5780.62
.................................................................................. u ................................................................................................................................................................................................................................................................................................................... .
1 58 l 15/7/94 l 1.2 l Phase II - Certif. 4 i 311798.251 42288.66. 269509.5g, 5496049.22 1 1 281312.251 -11802.66
................................... " ....................... " ............................................................................................................................. f, ....................................... " ............................................................................... " ......................................................... " ........................... .
1 59 1 15/7/94 l 2.3 1 Contr. CH at Otjom. Cert.1 l 584628.44! 28968.341 555660.10, 6051709.321 2 1 558644.95! -2984.85
l Totals for quarter 1065347.561 79534.391 985813.171 6051709.321 11006505.7( -20692.54
DISBURSMENTS FROM DISPOSITION FUND 3rd. QUARTER OF 1994
DISBUTMET .FflOM TSPOSm{::u~:,~:;!;·······················l·························l·····························t·····························l··········6051·7os.·32
.". Otr .". L .. N" """ l.. .. Date "." l. Bud.9.et l PurpotSe 01 """..."""""""""."."""".".""""" ..l .... Amount. of l """"." GSTfam..._. re1m{ """ Am .... relmburaa-) .. To1al .disbursed
i l l Post l e>q>enditure l invoice ~ t:uaed 17f Mp1ty.l ble tram DF NS l from DF N$
1994l so l 1117194 l 1.4 l Devolution of 50% retention l 6750.oo 334.48. 6415.54l 6058124.86
0~ l :~:J~!!§-~ ll: ! i~ ~i~:
11
:~~~~~~ ~0.§~
l 67 l 11/7/94 l 1.3 lBuilder,startersolution l 978.7cl 0.00. 978.70) 6443383.49
······--····r····ss ... r ·1·1riAJ4·r····i2····rp~·ii·:·M.;;;;·5·""ou .......... r······1sa2:;ciooi········""m .. 21·~-oo1H0 ......... ;·4;·668~2Sr-........ 658505.1~78
::::::L~.J:llE_L_gJ~~~:::+~~::_§3=:::=~~=:~::::~:~3=._::_:!EE
l 73 l 11/7/94 l 1.3 l Electr.installalion Starter Sol. l 5200.00 257.ool 494234; 6601227.54
............ l.. . 74 .. L 11/7/94 .L ... 1.3 .. __lPurchase of building.materials .. T ........... 3334.1!:i. ................. 246.97l ................ 3087.22T ......... 6604314.76
l 75 l 11/7/94 l 1.3 l Builder starter solution l 991.ad. 0.00. 991.80\\ 6605306.56
·:::= L. ~ J: :E-1-::::: Ll = = = ::::::::::::L:= ::t:: ::::=:::I~:::::::::.::_:::3.::::::::: ==
l 79 l 11/7/94 l 1.3 ;Builderstartersolution : 661.20: 0.OOi 661.20: 6611394.16
~.:::::_1:+::E.L :u~;::::: ='""-1:::::::.=~-:~.:=~::::.~~::.=.: = !-= :_ ::
: 83 : 11/7/94: 1.3 :Electr.installalionStarterSol. ; 2600.00, 128.83: 2471.17; 6622437.21
::::~:::!::: ::::-t .: El::: : .: l = ~ .::::::::.=.L::::::: ':Et .::.:::::.::::_;~_:::::::.:::.:·=~::::::::::
l fr1 l 11/7/94 l 1.4 ;Cty.Center2"garden/equipt. l 1758.00 148.45; 1609.SSl 6627104.56
·:.·.·.·.·.·.·.·_-.·+_-.· ... :. ._+_..~~~=--t·.·_-_-_-~::_-_-_-i~=~~:: door_-_- -_ j_-_._. .... ._. ._._. .. ~::~ ...... _._._._._. . _._- -_-_-.·_-.-..~:t·_- _-_-_-_-_. .. _._. ...... _ ~:::I.-.-.~ . -- -.---=:
l 90 l 1117194 l 1.3 lBuilderstartersolution l 2981.1d. o.ro 2981.10; 6634041.05
"" .. """"""""?""""n .. """"t"""""--"""""H""t"""" .. "" .. "" .. t"""""""""" .. """""""""""""""""""""""""""""""""""""""": "" .. """""""----"""u""""": """"" .. """""""" .. --" .. """""""t""""""UO""--"""""""""""UO"": uo""""--""--""""u""""""""""
: 91 : 11/7/94 : 1.3 : Builder starter solution ; 19fr1.00, 0.00. 19fr1.08; 6636028.13
-~~:::b~+lji:h l~:J~ ~:::::!::=::= E~::: :::=::3~:::::::::::::~£:::: EEE
~:~l~~:i:~l~~0l~~I ~ ~~.~l~~~:~~:~ ~~~~[~;~~
l 103 120/7/94 l 23 ;Contr. CHatOtjom. Cert3 : 398750.11: 19758.o7; 378992.04: 7725974.96
............ L 104 .. 120/7/94 .. ..l. various lGeneral.adjustment ofappr .""""" 1 ....".".. 25222.7~ ..................... o.oq .............. 25222 781 ......... 7751197.74
l 1os \\29/7/94 l 5.1 lCorrectionstovideoNo2 : 7098.45 703.451 6395.oo, 7757592.74
............ l... 106 .. l 29(1/94 ... l.. .. 1.3 ... l Builder starter solution ......"........ I ............. 826.56: .. ................. o.ool ............ 826.501 . ....... 7758419.24
l 107 129/7/94 l 1.3 l Pure~ of building materials l 9412761 651.611 8761.15; 7767180.39 .......................................................................................................................................................................................................................................
: 108 :29(7/94 : 1.3 : Builder starter solution : 1088.70: 0.OOi 1088.70: 7768269.09
._. .... ...... · ~·t·~~ ... t=: ...... t·.-.-.-~::· . _-_-f :~~~=: ::~:: : : · ... 1 -..... ~ - . 1~~:~ ....... _ _. . .... __._. .. . 1~:~· .. -.-..... __._. .. ...... 1~::1 .............. - ~=:~
............ l .... 222 ... l .?!!!!~ ..... 1..... 1:.~ ... l.§~!~.~~~.~~ .............. J .... 1653.~ ...................... ~:92l ................. ~~:~! .......... ? ? ?.).~:).~
l 112 i29f7/94 l 1.3 l7Waterconnections l 4508.00. o.oo. 4508.00l 7775777.18
................. ~ .. 1- ~~:· I=: -.. I. .- -.-.~:: · . .I::! ~i~ention ......... -.+· .. .-.............. 67s::~· . .......... _ ............... ~:~ .......... _ _._. .. ......... =.~t· ................. :~' ~
l 115 129/7/94 l 5.2 l1nto1eatlets l 119.aal 11.aal 100.001 7783103.22
............ · ....... · ........... · ....... · ..................................................... ____ l ........ ~ ...................... l ..............
l Totals for auarter 1822338.96( 93790.93 l 1728548.03 l
PFOGRAMME'S DISBURSEMENTS BY BUDGET POST· 3rd QUTR 1994
tforward 6051709.32:
.. 0tr.··f··· N"··"f····· Data "" ~Budget ~ Purpose of """.""""""""".."""".""... ) ""." Amount .ot.~ ... OST/amnt.. rel~ "" Anwlt.relrn,u--.1. Tobi disbursed~ Tola/ diab. "" ~ Tola/ GST "" ~ Tola/ diab. ""
: : : Post le ndHure l invoice N$l bun,ed II .: b1e from DF NS : from OF N$l in Qlr l Id In Qlr : DF in Qlr
3rd/94 l 68 l 11/7/94( 1.2 EPhasell"Certilicale5 E 163270.89( 21602.eol 141668.29: 61933TT.61" : :
3rd/94. ! ... 99 "" ! ... 11171941.. " 1.2 "". 11nfrastructure improwment "".""" 1 """"""""""" 900.001 .................. o.CJOi ............... 900.ooT """"""" s1942n.s1i.. ............. ..i ................. i ..... .......
3rd/94 : 104 : 20/7/94: 1.2 :Ad .to Henma Bros. contract : 30110.03: o.oo: 30110.03] 6224387.64: 194280.92: o.oo: 172678.32
3rd/94 i 61 i 11/7/94: 1.3 :Electrical connections : 2826.00: 0.t)(): 2826.00E 622n13.64: : :
3rd/94 E····55···E····;·1n$4T--·-·;~3····rw~~~-~~~~;··················r············soo~oor···················o:cor···············9CO:ooE·········m1·13~54r·················r·················r··················
:::: :: E::L :::l =:::: 1:::3..;.E ..... : !==:::;El =::::::=:l~ :=:::::E:L::::=EEl ::::::::::::l :: :: l ==
3rd/94: 70 : 11/7/94: 1.3 ;Purchase of building malerials ; 1893.63: 139.08: 1754.55: 6231808.27: ; ;
3rd/94 : .. ..72 "" ! ... 1 1171941.. 1,3 ... lPurchase of building malerials ". L ....... 9551.2BL ............. 652.69l ............. 8898.~ ....... 6240706.SSl ................. l ................. l ................. .
3rd/94 : 73 : 11/7/94: 1.3 :Electr.installa!ion StarterSol. : 5200.00: 257.66: 4942.34: 6245649.00: : :
.., .!:: iJ .·: :::L: : J ::::::-1::::. ::: L::::: ~·: := .E:l:::::::. ~~3·:.::::::::::l=.:::::::l=:::::::
3rd/94 : n : 11/7/94: 1.3 :Builderstartersolution ; 1987.40: 0.00: 1987.40: 6253702.82: ; ;
= !.::~:lll~L!blE.:§::fE.,~::L:::::::;.~L=::: ,~i:::: 2l3= ~~L :: :: : ±:::::::::: 1 ::::::::::::
: 85 : 11/7/94: 1.3 :Waterconnection : 450.00: 0.00 450.00: 6260352.79: : :
3rd/94 l ·:::: :.l:::: : ~:f ·.:·:: :! :.-.-f :~ ::~ ::~ ::~ ·::::::::::::f-.-:::::::: 2:: f-_-::::::::::::.:·::. ~:~· : : ::::. 2~~ 1:::::::. = f ·:::::::.:·:::::::f · :::::::::f · :::::::::::
3rd/94 : 90 : 11/7/94: 1.3 :Builderstartersolution : 2981.10; 0.00: 2981.1<r. 6266503.09: ; ;
3rd/94 '. .." e1 "" ) """ 1117194) """". 1.3.)Builderstartersolution """."...."""" ) """"."".". 1987.08) ".""""""..""""."""" o.~ .............. 1987.oa!.. ...... 6268490.17; ................ ) """"""""""""""" ) ____ ,
3rd/94: 92 : 11/7/94: 1.3 ;Purchase of building materials ; 6956.83; 471.89: 6484.94: 6274975.11: ; ;
3rd/94 : .... 93 "" ! ... 11 /7194.L "" 1.3 ... 1Purchase of buildin_g materials .. l "."""""" JB78.33l """"""""""""""" 583.56l ............. 7294. nT ....... 6282269.BBl ................. l """"""".""....."" l.. ............... .
3rd/94 : 94 : 11/7/94= 1.3 :Builderstartersolution : 991.80: 0.00: 991.80: 6263261.66: : :
~:!::·,~+ ~l = lt: !~31~?: ! =;~! ::::: :::q§ ::=:=;~::::::::~~ ::: l ==: : :::: l = ~:::
3rd/94 : 106· : 29/7/941 1.3 \\Builderstartersolution l 826.sol o.ro. 826.50: 6305726.42( l l
3rd/94. r .. 107. r .. 29/7194l ""." 1.3 ." .lPurchase of buildin_g materials " .l ......... 9412.76l """""".""""".." 651.611 ............. 8761. 15T ....... 6314487.571 ................. L ............... L ............... .
3rd/94 l 108 l 29/7/94" 1.3 :Builderstartersolution : 1088.70: 0.00: 1088.701 6315576.27: : :
3rd/94 ~ 109 "" ; """. 29/7/94!.. ." 1.3 . ..!Purchase of building materials ." !.. "..."...""" 18.26!.. """"""""""".."". 1.81!.. ."""""."""""."" 16.45~ ........ 6315592.72!.. ............... !.. ............... !.. """""""".""."...
; 110 ; 29/7/94: 1.3 :Purchaseofbuildingmaterials l 1437.09: 106.45: 1330.64: 6318923.36: : :
3rd/94 : "" 111 "" L.2917/94! .... 1.3 """ !Builder starter solution ".""."".""." ! """"""""" 1653.oo! """""".""""""""""" o.~ ............. 1653.ool.. """""" 6318576.36! ................ ! ................ ! ................
3rd/94: 112 : 29/7/94: 1.3 :7Waterconnections : 4506.00: 0.00: 4506.00: 6323084.36: 103694.76; 4998.04< 98696.72
3rd/94: 114 ; 2917194: 1.4 :Devolutionof50%retention : 6750.00: 334.46= 6415.54: 6349255.78: 28281.79: 2110.39: 26171.40
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3rd/94 i 101 E 15/7/94: 2.2 :Ldvlpmnt-Cert.1/Kh·1430 : 93832.70: 2545.38: 91287.32( 6909127.78: 576016.21: 16144.19: 559872.02
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3rd/94 : 104 : 20/7/94: 2.3 :Revision of roval 59 ; "2964.85: 0.00: -2964.85: m3654.35: 912746.95: 48220.311: 864526.57
3rd/94: 105 : 29/7/94( 5.1 (CorrectionstovideoNo2 i 7098.451 703.45E 6395.00: TTB0049.35l i i
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3rd/94 i 115 i 29/7/94: 5.2 :tnfoleaflets : 119.88: 11.ss: 108.ool TT80257.35: 7318.33: 715.33: 6603.00
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