Edwin David Asante, Glover Evam Kofi, Glover Edinam K
Faculty of Social Sciences, University of Helsinki, FI- 00014 Helsinki, Finland.
School of Allied Health Sciences, University for Development Studies, Tamale Campus, Box TL 1883 Tamale, Ghana.
Heliyon. 2023 Jun 26;9(7):e17646. doi: 10.1016/j.heliyon.2023.e17646. eCollection 2023 Jul.
, posits that landed property and access to formal credit are directly related. Whether landed property improves access to formal credit or not has been at the centre of the debate, with varying practical evidence, especially for the Global South. Another related dimension of the debate concerns the implications of family-help-mortgage arrangements using intra-family transfer of land as collateral to support a member's mortgage by placing a charge on the collective property. This paper investigates the use of landed property as collateral to access formal credit from financial institutions for housing development in the Tamale Metropolitan Area (TMA) in the Northern Region of Ghana. The primary research question is: formal documentation of landed property as collateral help in accessing formal credit for housing development in TMA? The study involves the use of in-depth interviews to investigate the opinions of estate developers, credit officers of universal banks, and land title holders on the relative importance of landed property and access to credit for housing development. The data are analysed by means of thematic content analysis. The findings indicate that even though landed property may contribute to the decision to grant formal credit, it is not a turn-key solution easily accepted in the final lending decision. This study adds to the body of knowledge primarily by evaluating the effects of reforms to increase credit access with landed property as collateral in Ghana, investigating the implications of family-help mortgage arrangements, including the use of intra-family assets as collateral in obtaining loans for investment at the micro-level in Ghana. The paper concludes that while formal documentation of land rights matters in the broad scheme of estate financing, it is not sufficient to bring about more immediate access to credit, especially for those who lack regular or reliable systems of income that could be critical in ensuring the payback of loans contracted using landed property as collateral for housing development.
有人认为，土地财产与获得正规信贷直接相关。土地财产是否能改善获得正规信贷的机会一直是争论的焦点，有各种不同的实际证据，尤其是在全球南方地区。这场争论的另一个相关方面涉及家庭帮助抵押贷款安排的影响，即利用家庭内部土地转让作为抵押品，通过对集体财产设定押记来支持成员的抵押贷款。本文研究了在加纳北部地区塔马利都会区（TMA），将土地财产用作抵押品以从金融机构获得用于住房开发的正规信贷的情况。主要研究问题是：土地财产作为抵押品的正式文件是否有助于在TMA获得用于住房开发的正规信贷？该研究采用深入访谈的方式，调查房地产开发商、全能银行信贷专员和土地产权持有人对土地财产以及获得住房开发信贷的相对重要性的看法。通过主题内容分析法对数据进行分析。研究结果表明，尽管土地财产可能有助于做出给予正规信贷的决定，但它并非最终贷款决定中容易被接受的万能解决方案。这项研究主要通过评估加纳以土地财产作为抵押品增加信贷获取机会的改革效果、调查家庭帮助抵押贷款安排的影响，包括在加纳微观层面利用家庭内部资产作为抵押品获取投资贷款的影响，为知识体系增添了内容。本文得出结论，虽然土地权利的正式文件在房地产融资的总体计划中很重要，但它不足以带来更直接的信贷获取机会，特别是对于那些缺乏正规或可靠收入系统的人来说，而这种收入系统对于确保偿还以土地财产作为住房开发抵押品所签订的贷款可能至关重要。
