Lafarge affordable housing nov (1)
- 2. Affordable Housing Our definition Housing for people who do not have access by usual financial ways to decent housing Emerging countries: 4 billion people (Base of the pyramid) Developed countries: 150 million people without decent house conditions Our objective: build new markets for Lafarge and improve housing conditions Part of our 2015 Innovation & Transformation Programme Part of our Sustainability ambitions: improving housing conditions for 2 million people by 2020 A dedicated team in Paris and local projects embedded within the marketing teams of Lafarge subsidiaries 2 A business and social opportunity A unique business initiative across the industry which improved the housing conditions of 120,000 people in 2013
- 3. Our 4 types of business initiatives 3 MICROFINANCE EARTH&CEMENT SLUM REHABILITATION MASS AFFORDABLE HOUSING Customer issue: Individual home builders access to finance Our solution, based on our cement bags retailers network: Providing access to credits & technical assistance (catalogues of house designs and bill of quantities,) Customer issue: looking for durable solution without concrete Our solution: Mix of cement and soil to produce non burnt clay bricks, keeping asthetic and thermal inertia of earth construction Customer issue: looking for good waterproof solution Our solution: Bagged concrete supplied to small customers in informal settlements Customer issue: quality & speed of large scale projects Our solution: Lafarge works with developers to improve quality & speed of construction.
- 4. 18 countries with Affordable Housing projects 4
- 5. 5 Affordable Housing Microfinance offer - Zambia
- 6. Housing Microfinance 6 A Complete Housing Solution for Individual Home Builders Access to financing Technical assistance Access to Retailers Construction solutions Site Visits & Building Plans Complete Housing Solution Professional advice from Architects Concrete blocks offer Modular houses for bit-by-bit construction Roofing solutions Trained & competitive Microfinance Institutions For home extensions & renovation For new homes or bit-by-bit construction Pick-up of materials Availability of products & prices checked Trained to basic construction technical assistance Cost estimates (Bill of Quantities)
- 7. Funding and / or technical assistance Customer Microloans Loan officers Promotion Technical assistance Partner Retailers LAFARGE Loanstoretailers Benefits for Lafarge Creates a new market Contributes to the social development of low income families Benefits for the Customer Access to top quality technical assistance, Ability to generate new income A more comfortable life Benefits for the MFI Introduces to customers a needed and financially- beneficial product Creates a strong positive impact Provides product diversification New customers carefully selected Our approach of Housing Microfinance Creating projects in partnership with MFIs and building material retailers In September 2013, Lafarge Zambia launched its Program for Housing Microfinance, with BancABC as the first partner Materials including Lafarge cement bags Partner (Microfinance) Bank
- 8. Achievements Achievements Project Launch September 2013 Number of Micro Credits to date 819 Financial Partners BancABC Madison Finance ZNBS Client Profile Name: Kelvin Kanyumbu Married with 2 children Borrowed for completion of House and building of a small shop Kelvin is a security officer and wife is a trader Our first client
- 10. Mass Affordable Housing Innovative construction system for multiple storey housing allowing construction modularity Project currently developed with a municipality near Bordeaux, a social housing promoter and an architect. Support from Lafarge to the architect on technical specifications. Development of such new construction systems could take the form an investment in architects 10 New social housing in developed economies: e.g. in France
- 11. Mass Affordable Housing Situation Government & developers are looking for new construction solutions to Build faster Social Housing projects Improve the quality & perception of such projects (aesthetic, durability) Lafarge approach Identification & test of construction systems to optimize cost, speed, quality and durability Research Center in France & Construction Development Labs Facilate implementation of such projects Lafarge Construction Specialists in countries Ready-mix business line 11 Addressing the needs for Social Housing in emerging countries Illustrations Integrated structural formwork
- 12. 12 Roll out Model Lafarge Zambia Find an adequate technology to make houses affordable Build Employee houses as proof of concept Roll out to the rest of the country