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Housing financing for the lower middle class
SectorMost major industry classification systems use sources of revenue as their basis for classifying companies into specific sectors, subsectors and industries. In order to group like companies based on their sustainability-related risks and opportunities, SASB created the Sustainable Industry Classification System® (SICS®) and the classification of sectors, subsectors and industries in the SDG Investor Platform is based on SICS.
Corporate and Retail Banking
Business Model Description
Invest in the provision of affordable financing for the acquisition of homes and / or home renovations for low- and middle-income people through:> Private investment> Mixed financing including private sector investments, patient capital and potential for subsidies or financing of foundations and / or government> Tenant ownership scheme
Increase financing alternatives for housing to improve quality of life
Indicative ReturnDescribes the rate of growth an investment is expected to generate within the IOA. The indicative return is identified for the IOA by establishing its Internal Rate of Return (IRR), Return of Investment (ROI) or Gross Profit Margin (GPM).
5% - 10% (in IRR)
Investment TimeframeDescribes the time period in which the IOA will pay-back the invested resources. The estimate is based on asset expected lifetime as the IOA will start generating accumulated positive cash-flows.
Long Term (10+ years)
Market SizeDescribes the value of potential addressable market of the IOA. The market size is identified for the IOA by establishing the value in USD, identifying the Compound Annual Growth Rate (CAGR) or providing a numeric unit critical to the IOA.
USD 50 million - USD 100 million
Direct ImpactDescribes the primary SDG(s) the IOA addresses.
Indirect ImpactDescribes the secondary SDG(s) the IOA addresses.
- (I) (United Nations, 2016) (II) (Cambridge University Press, 2020) (III) (Ministry of Agriculture and Livestock, 2013)
- (1) (Gobierno Nacional, 2019) (2) (Dirección General de Estadística, Encuestas y Censos, 2018) (3) (Vicente Fruet Cardozo & Guzmán A. Muñoz Fernández, 2015) (4) (Ing. Ma. Soledad Núñez et al., 2018) (5) (Ley No 3637 / CREA EL FONDO NACIONAL DE LA VIVIENDA SOCIAL – FONAVIS, 2008) (6) (Banco Interamericano de Desarrollo – BID, s. f.) (7) (Gobierno Nacional, 2014) (8) (REDIEX & Ministerio de Industria y Comercio, 2019) (9) (Banco Central del Paraguay, s. f.) (10) (Ley N° 5638 | Establece normas y mecanismos para el fomento de la vivienda y desarrollo urbano, 2016) (11) (Cambridge University Press, 2020) (12) (ABC Color, 2018) (13) (Antonio Maqueda, 2019) (14) (Ministerio de Industria y Comercio, 2019) (15) (Ley N°861 General de Bancos, Financieras y Otras Entidades de Crédito, 1996) (16) (Extra, 2014) (17) (Ministerio de Urbanismo, Vivienda y Hábitat, 2020) (18) (Ultima Hora, 2017) (19) (Ricardo Bebczuk & Edgardo Demaestri, 2014) (20) (InfoNegocios, 2018) (21) (AFD, S.f.) (22) (Hoy, 2020) (23) (Manuel Fernandini et al., 2019) (24) (Amilcar Ferreira, 2019) (25) (ABC Color, 2020) (26) (La Nación, 2020)