Purpose
The purpose of this paper is to investigate the relationship between housing finance institutional related variables and financial related variables of low-income earners in Bauchi Local Government Area, Bauchi, Nigeria.
Design/methodology/approach
In this study, quantitative research approach was adopted. Self-administered structured questionnaires were used to collect information from 500 primary school teachers in Bauchi Local Government Area, Bauchi, Nigeria. A correlation analysis was carried out to find the relationship between housing finance institutional contexts and finance contexts to low-income earners in the study area using SPSS Version 23 software.
Findings
The findings shows that the low-income earners were more concerned with the accessibility and affordability on housing ownership, and it also showed that performance and effectiveness of the housing finance institutions were of paramount importance to housing ownership for the low-income earners in the study area.
Practical implications
The finance institutions are the prime consumer of these research findings. The participants in the finance institutions are going to benefit from the low-income earners’ housing ownership development.
Originality/value
The paper also emphasized that the finance institutions should make the housing finance loan accessible and affordable to the low-income earners to meet their dream to sustainable housing ownership.
Abstract:Moulds have been reported to destroy volumes of timbers in buildings annually. As a result, timber components within the built environment decline and fail to fulfill their basic requirements. This research focused on the isolation and evaluation of the prevalence and effects of deteriorating moulds in the rain forest and swampy rain forest regions of Nigeria where the water activity is as high as 0.7. To accomplish this, decayed timber samples were aseptically collected on buildings from six strategic locations. The samples were serially diluted and inoculated onto Sabouraud Dextrose Agar medium in Petri dishes. The Petri dishes were incubated for 72 h at 30 °C. Thereafter, moulds were isolated through visual and microscopic observations. The commonly encountered moulds were evaluated and analyzed. It was observed that, prevalence of moulds on buildings used for non residential purpose were higher. There was no significant difference between the prevalence on the components located inside the building and those outside the building. Ceiba pentandra exhibited highest degradation while Masonia altissima resisted most. The most deteriorating moulds were Aspergillus, Mucor, Rhizopus and Gliocladium. The deteriorations of Ceiba pentandra, Afzelia africana, Lophira alata, Anogessus leocarpus and Gossweilerodendron balsamiferum timbers under Aspergillus attack were projected.
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