formalisation of informal settlements in rundu enhancement...and katima mulilo • development...
TRANSCRIPT
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Formalisation of Informal settlements in Rundu
By: Maria MarealleTown Management ExpertLux DevelopmentProject NAM/343
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Project NAM/343
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Title: Formalisation of informal settlements and extension of water and sanitation networks in Rundu and Katima Mulilo
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Development ObjectiveDevelopment Objective::
To contribute to the improvement of Rundu and Katima Mulilo inhabitants’
living conditions by increasing the proportion of people with secure tenure and upgrading the water and sanitation network (MDG 11)
••
StartStart::
December 2006 End: September 2011••
BudgetBudget::
9’900’000 Euro
••
CounterpartCounterpart::
Ministry of Regional and Local Government, Housing and Rural Development
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What is formalisation ?
1. Layout Planning2. Surveying of Town Land3. Socio-economic Survey & Pricing Policy4. Registration of Owners5. Provision of services (water & sanitation – Kehemu &
Sauyemwa ONLY)6. Land Delivery Approvals – NAMPAB/TS Board/SGO7. Plot owner Verification and Vetting8. Confirmation of Plot Ownership 9. Payment of Plot into Formalisation Revolving Fund
Accounts10.Signing Agreements of Sale11.Debt Management12. Issue of Title Deeds
Land delivery through -
Township Establishment
Subdivision
Applicatio n to
Council
for:1)Subdivisio n;2)Township Est
Council ApprovalCouncil Approval
ApplicaApplica tion to tion to
thetheMinisteMiniste
rr
NAMPAB /NAMPAB /Townships Townships
BoardBoardSurvey
Approval by Surveyor- General
Registration by the
Registrar Deeds
Certificate of
Registered Title
Sec 5 of Ord 11 of 1963Sec 10 of Ord 11 of
1963 Sec 5 of Ord 11 of 1963
Sec 11 of Ord 11 of 1963 Sec 12 of Ord 11 of
1963
ProclamationBy the
Minister Sec 13 of Ord 11 of
1963
Existing ervenApplication to Council1
Council Approval2
Application to the
Minister3
Payment ofPurchase
Price7
Signing Deed of
Sale4
Applicant informed
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Minister Approval
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Registratio n
8Title Deed
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Private Treaty/NegotiationPrivate Treaty/Negotiation
Development Control
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1. Layout Planning
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Stakeholders’ Layout Consultation
Land Pricing and Sales Policy
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A Joint Initiative of RTC and KMTC
Highlights:
• Selling Price N$10/m2 for those with incomes <N$3’000• Town Council’s rates for those with incomes >N$3’000/year• 0% Interest for first 24 months and thereafter 10% interest per year• 10 years repayment period• No re-sale within 10 years. In case of sale town council has first preference
DOCUMENTS MAPDOCUMENTS MAPDOCUMENT
BIND THE 3 PARTIES TO COOPERATE IN SET UP & RUNNING REVOLVING FUND
PARTIES PURPOSE
JOINT VENTURE JOINT VENTURE AGREEMENT AGREEMENT -- JVAJVA
LD; MRLGHRD & KMTC or RTC
LD; MRLGHRD;KMTC/RTC; DBTHC;LHRF & LADC
MEMORANDUM OFMEMORANDUM OFUNDERSTANDINGUNDERSTANDING
BIND THE 6 PARTIES IN A GOOD WILL SOCIAL COMPACT WITH CLEAR ROLES
BINDS THE 3 PARTIES TO LAND SALE THROUGH LOAN OVER 10 YRS
LOAN ADMINISTRATION LOAN ADMINISTRATION MANUALMANUAL
STAFF OF KMTC & RTC
GUIDELINE TO ADMINISTER FUND
KMTC/RTC; LHRF;BENEFICIARY
SALES & LOAN SALES & LOAN AGREEMENTAGREEMENT
KMTC/RTC; LHRF;BENEFICIARY
BINDS THE 3 PARTIES TO CASH LAND SALE
LEGALLY BINDS BENEFICIARY TO REPAY LOAN TO LHRF
MORTGAGE BONDMORTGAGE BOND CONVEYANCER;LHRF, BENEFICIARY
CASH SALESCASH SALESAGREEMENTAGREEMENT
MANAGEMENT PLAN_1
INSTITUTIONAL FRAMEWORK FOR FORMALISATION REVOLVING FUND
LUX DEVELOPMENTMRLGHRD
KMTC/RTC
DBTHC
LADC
TDF SUBURBCOMMITTEES
SDFN
BENEFICIARIES IN THE INFORMAL SETTLEMENTS
BANKS
MANAGEMENT PLAN_2ADMINISTRATION PROCESS FLOW DIAGRAM
APPLICANT FILLS FORMSUBMITS TO DBH OFFICER AT TOWN COUNCIL
OPEN LOAN FOLDER & REGISTER
SUBMIT APPLICATION TO DBTHC
APPLICANT FILLS COMPLETESLOAN & BOND AGREEMENTS
FORM CHECKED Not OK
OK
Not OK
NOTIFYAPPLICANTGIVINGREASONS
REAPPLY
END
APPROVAL ADVICE TO APPLICANT
BENEFICIARY ACCEPTS OFFER
OK
LOAN SALE
CASH SALE APPLICANT FILLS CASH SALEAGREEMENT
APPLICANT PAYS DEPOSIT & TRANSFER FEES
BOND REGISTRATION IN DEEDS OFFICE
LOAN REPAYMENTS UP TO 10 YEARS
FULL PURCHASE PRICE PAID
DEFAULT PAYMENTS
DEFAULT CORRECTED
PAYMENT OF TRANSFER FEES& FULL PURCHASE PRICE
ACQUIRE TITLE DEED
FULL OWNERSHIP WITH TITLE DEED
DEFAULT PERSISTS
NEW APPLICANTS
PRE-SCREENEDAPPLICANTS
REPOSESSION THROUGH DBTHC GUIDELINES
MANAGEMENT PLAN_3FINANCIAL FLOW DIAGRAM
FUNDS INFLOW
BENEFICIARY
FUNDS OUTFLOW
FORMALISATION REVOLVING FUND ACCOUNT
REQUEST CONSIDERED BY DBTHC
BANK
RTC/KMTCREVENUEOFFICE
EITHER
OR
1. Individual accounts at bank2. Regular reconciliations to DBTHC
EXPENDITURE MOTIVATION
NOT OK END
ACCOUNTING OFFICERPREPARES MOTIVATIONAND SUBMITS TO MRLGHRD FOR APPROVAL
OK
NOT OK
OK
ACCOUNTING OFFICER PREPARESCHEQUE FOR SIGNING BY CEO
END
REVIEW
DISBURSEMENT COMPLETE
REVIEW
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2. Surveying of Town Land
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3. Registration of Plot Owners
Plot Verification & Vetting
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Complete in Kehemu, Kaisosi & Kasote
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PLOT OWNER CONFIRMATIONKehemu
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4. Provision of services
Some Formalisation Facts• After more than 12 months, the 778 residential plots
in phase 1 yet to be fully allocated. 14’996 plots to be allocated in total. By contrast, 3’407 of the 3’663 plots formalised in KMTC now allocated (93%).
• A mere N$34’000 has accumulated in the RTC Revolving Fund accounts compared to nearly N$340’000 in KMTC
• No Agreements of Sale signed to date• No Debt management system in place
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Concerns and Challenges• Relatively poor performance attributed to:
a. Lack of cohesion & unity of purpose between:a. RTC Councillors & Officialsb. RTC and Communityc. RTC and Project
b. Lack of human capacity in RTC to spearhead certain project roles. CMO, CLO, CFs took the lead until Community started to resist. PMU not established as agreed
c. Political/Traditional/Church leadership interference feigning ignorance & de-campaigning the project
d. Sluggish change in management culture 21
Way Forward• Phase-out Plan introduced to enhance effective
closure of project activities. Critical aspects include:– Building RTC capacity to institutionalise project by
employing the CLO and CFs for continuity. – RTC Councillors to create enabling environment
through eradication of confusion among beneficiaries– RTC’s presence in community should be felt to avoid
some people taking advantage on land sales
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THANK YOU
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