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Swedish cooperative organizations have received significant state support since the
1950s, when housing subsidies were applied equally to all forms of tenure,
including cooperatives. 94 The Swedish legislation 95 provides a clear legal
framework for the operation of housing cooperatives by defining the legal status of
the relevant associations, such as the Savings and Construction Association of
Tenants (HSB) and the cooperative housing organization known as Riksbyggen, and
of the tenant owners. Additional rules and regulations are adopted by the
associations themselves with tenant majority approval.
50. In Latin America, a successful example of housing cooperatives on a national
scale is the mutual aid cooperatives in Uruguay, which are promoted by the
Federation of Mutual Aid Housing Cooperatives. The Uruguayan legislation
recognizes collective tenure, and the regulation of the housing cooperatives is
encompassed in the 1992 General Cooperative Law. Since 1965, around 600
Federation cooperatives have been consolidated in Uruguay, and around 20,000
families are living in houses and apartments built through mutual aid. Mutual aid
cooperatives have been introduced and adapted in 14 Latin American and Caribbean
countries over the past 20 years through various initiatives. 96
51. A recent form of cooperatives combining finance and building are community
funds, which have been developed in Africa and Asia. 97 These funds work with
group loans and/or savings in order to assist communities in financing land
regularization and acquisition, infrastructure and service provision, and home
improvements. 98 The Asian Coalition for Community Action programme has
promoted community funds in Asia from 2009 to 2011, carrying out 111 housing
projects in 15 countries, at a total cost of almost $4 million; collective agreements
were used in 36 of the projects. 99
52. A collective organization enables cooperatives to take on complex housing and
infrastructure projects that would otherwise not be possible for an individual
household. Community funds provide financial and technical support for the
purchase of land parcels and communal infrastructure (such as roads, drainage,
water and sanitation). 100 The process typically involves negotiations with other
stakeholders, such as the original owners of the parcel and the Government. 101 In
the Scandinavian model, the “mother” (also known as “parent” or “secondary”)
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However, in recent years State support for cooperative housing has weakened as part of a
housing commodification process. See Sukumar, “Enabling housing cooperatives” (see footnote
92 above), p. 374.
The 1991 Cooperative Housing Act, the 1987 Cooperative Societies Act and the 1930 TenantOwnership Act.
M. Solanas, “La Transferencia del Cooperativisimo Uruguayo de Vivienda por Ayuda a Otras
Latitudes: una Experiencia de Cooperación Internacional”, Revista Vivienda Popular de la
Facultad de Arquitectura de Montevideo (2011).
According to reply received from Thailand in response to the questionnaire on security of tenure
sent by the Special Rapporteur on 22 March 2013, in reference to the Baan Mankong National
Collective Housing Program that has benefited 600,000 households between 2003-2007.
UN-Habitat, Financing Urban Shelter (see footnote 25 above), p. 99.
S. Boonyabancha, “Baan Mankong: going to scale with ‘slum’ and squatter upgrading in
Thailand”, Environment and Urbanization, vol. 17, No. 1 (April 2005); UN-Habitat, Affordable
Land and Housing in Asia (Nairobi, 2011).
UN-Habitat, Financing Urban Shelter (see footnote 25 above), p. 99.
Nilsson, “Overview of financial systems” (see footnote 31 above), p. 19; Erlend Sigvaldsen,
“Key issues in housing microfinance” (Oslo, Nordic Consulting Group, 2010), pp. 16-17.
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