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Nearly one half of the world's urban population lives in poverty and about 800 million people occupy substandard housing. This housing crisis has continued unabated despite over 20 years of research and policy. At the forefront of new policy initiatives, confirmed by recent conferences such as Habitat II in Istanbul, is an inititiative to afford greater priority to finance, yet, with the expediation that the provision of small quantities of finance to low-income households will bring real improvements to the quality and quantity of housing provision.