In 2000, Federal Ministry of the Federal Capital Territory (MFCT), Abuja launched a mass housing scheme (MHS) under
the platform of a public-private partnership (PPP).This paper reports an evaluation of this reform in order to understand
the scheme’s impact on the cohort of low-income group (LIG) in Abuja, Nigeria. The study explores the multiple data
sources available, including literature and policy material and empirical evidence collected through structured and
semi-structured questionnaires. The findings of the study suggest that the scheme did not significantly improve the housing
status of LIG. The research suggests that the cohorts’ history of exclusion in housing delivery in the Abuja deepened
further due to partly an inadequate mortgage infrastructure to support their participation. Moreover, with poor scheme
implementation, it is clear that the scheme strengthened the polarised position of the Abuja with respect to housing
which runs counter to the stated policy objective to provide all Nigerians with decent and affordable housing. The paper
concludes by showing the wider implication of the contemporary approach of the housing strategy in Abuja and Nigeria
Keywords: Nigeria, Mass Housing Scheme, Low-Income Group, Exclusion, Organised Private Sector.
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