THE PATH TOWARDS

DIVERSE PROGRAMMING
Session with EMEA countries, March 7, 2019
 LEARNING ABOUT…

Macedonia Country strategy and program

portfolio:
The past, present AND FUTURE.

Diversity in a HFH country program:

Microfinance, energy efficiency, residential
management, construction, advocacy…

Establishing separate legal entities as a

model to increase sustainability and
impact.
Session with EMEA countries: Habitat Macedonia
 PORTFOLIO 2005-2010

Construction

Home Roma Financing Energy

Improv. Housing Water New Efficient
Fund Fund Supply Builds Advocacy Homes
(micro (micro & Sanit. Veles
loans) loans) Capacity dev.
Since Since Since Since Volunteer eng. Since
July July June Sep. June
2005 2007 2008 2008 2009
Community dev.

Session with EMEA countries: Habitat Macedonia

 PORTFOLIO 2010-2016

Construction

Financing Housing
Three Housing Improv. Legaliz.
EU for Energy of for
funded former Efficien. Informal Advocacy people
projects Kosovo Homes with
for refugees Capacity dev. disabil.
Roma
Since
2011 2012 2011 2012
Volunteer eng. Sep.
to to to To 2012
2016 2013 2015 2015 Community dev.

Session with EMEA countries: Habitat Macedonia

 PORTFOLIO 2016-2019

HFH MK LLC – existing SPV Society

RBMC – Residential buildings management LLC
HFC – Housing finance LLC

Sector

Community
IL MB

RL MFI Moznosti HFHM LLC IL DIGH

RL MFI Horizonti JF

MS RBMC

C PUC/SC IL

RL HFC IL MEDF

CM V HSS REERF IS IL A R/T AR V

HFH Macedonia NGO

D
CM – construction management IL – institutional lending A – advocacy AR – awareness raising V – volunteers MS – management services
RL – retail lending HSS – housing support services R/T – research/training JF – joint fund IS – institutional support

Session with EMEA countries: Habitat Macedonia

 MICROFINANCE
Housing microfinance introduced to ECA in
2005:
Capital mobilization through creating
joint revolving funds in partnerships
with two MFIs.

3255 clients served,

As of Dec. 2018,
9.65M US$ disbursed, with
zero days and zero US$ in arrears in
14 years.
Session with EMEA countries: Habitat Macedonia
 PARTNERSHIP MODEL

Approved partner families/clients

CONSTRUCTION JOINT FUND FINANCIAL

ADVICE & LOAN APPROVAL MONITORING &
MONITORING Joint Credit Committee REPAYMENT

MFI
NEED ASSESSMENT
FUNDS CONTRIBUTION
PRODUCT DEVELOPMENT
CREDITWORTHINESS ANALYSIS
WHOLESALE LOAN
TRAINING
TECHNICAL SUPPORT Housing loan applications

Session with EMEA countries: Habitat Macedonia

 NEW BUILDS & GV
The traditional New Builds program includes
5 completed multi-family
buildings,
with the 6-th being under construction,
hosting 1624 volunteers so far,
organized in
109 GV teams,
with overall evaluation score of over

95%
Session with EMEA countries: Habitat Macedonia
 NEW BUILDS & GV

Session with EMEA countries: Habitat Macedonia

 NEW BUILDS & GV

Session with EMEA countries: Habitat Macedonia

 ENERGY EFFICIENCY

Session with EMEA countries: Habitat Macedonia

 BEFORE & AFTER

Session with EMEA countries: Habitat Macedonia

 REE WORK RESULTS

EE reconstructions carried out on more than

60 apartment buildings in
Macedonia with over
1900 apartments,
resulting in overall annual energy savings of

7910 MWh
and annual reductions of

CO2 emissions of 3670 t.

Session with EMEA countries: Habitat Macedonia
 EU FUNDING
Several housing rights and social
inclusion projects received EU funding in
total amount of
€ 413000
during the period 2011-2016.
The projects are consequential in terms of
results and impact in the
Roma communities,
and also beneficial for other marginalized
groups living in poverty housing.
Session with EMEA countries: Habitat Macedonia
 LEGALIZATION
During the period 2011 to 2015 there were
1200 micro loans approved to
the most vulnerable families in 13
municipalities for the purpose of
legalization of their homes in the
informal Roma settlements.

Session with EMEA countries: Habitat Macedonia

 MIGRANT CRISIS
In late 2015 and early 2016, more than

1 million migrants
were assisted in Habitat Macedonia’s shelter
at the Greek-Macedonian border.

Session with EMEA countries: Habitat Macedonia

 ADVOCACY
Range of engagements, from co-authoring
National RP&SE Strategy to providing
key inputs for local governments in creation
of municipal EE policies.
Playing key role in amending the Housing
law, creating Social Housing law and
participating in creation of Energy
Efficiency law.
All activities supported by the
Parliamentary group for supporting
housing, initiated by Habitat Macedonia.
Session with EMEA countries: Habitat Macedonia
 TRANSITION 2015-2018
PLOB 1 PLOB 2 PLOB 3
Housing Market Housing & Social
Community Development
Development Development
NB RL HSS MFP RBMC HFC RABA PHAP VM

NB: New builds MFP: Microfinance partnerships RABA: Register of apartment

RL: Retail lending (HIF & RHF) buildings and apartments
HSS: Housing support services RBMC: Residential buildings PHAP: Poverty housing alleviation
management company platform
HFC: Housing finance company VM: Volunteer mobilization

NBV HIF RHF EEH SP/ADV

NB RL HSS MFP RBMC HFC RABA PHAP VM

BUSINESS PLAN 2016-2018 Session with EMEA countries: Habitat Macedonia

 MULTIPLE ENTITIES

General low income

Roma
NGO
Disabled/orphans org.
HFHM LLC/CC MFIs/companies
RBMC Homeowners & HAs
HFC
Public sector
VALUE Donors/supporters
PROPOSITIONS
CUSTOMER SEGMENTS

Session with EMEA countries: Habitat Macedonia

 BUILDING MANAGEMENT

Investment based on business canvas

modeling, organized as
separate legal entity (LLC), licensed by the
national Regulatory Commission for
Housing:
108 multi-family apartment buildings with
2621 apartments under management
Session with EMEA countries: Habitat Macedonia
 NEW LICENSINGS
Licensed construction activities already
transferred to the separate construction
company (named Finnerty).
Separation of the lending (credit) activities,
including the licensing of the financial
company planed for later in 2019.
The NGO and the three licensed
entities are planned to provide services to
each other, as well as to the housing
market.
Session with EMEA countries: Habitat Macedonia
 TCIS SUPPORT MODEL
SELECTION CRITERIA
ADDED VALUE
• Commercial linkages with LIH
• Sustainability
• Willingness to invest in relations with LIH ROLE FOR HABITAT MACEDONIA
of the model
• Financial strength to make investment (% • Habitat Macedonia & its
• Existing
in financial participation) subsidiaries to provide
program
• Ability to compete in end markets support in reaching LIH
portfolio
• Potential to influence other LFs
safeguarded
• Track record & business reputation

SELECTION MONITORING & IMPACT

OF LEAD COACHING INVESTMENT RESULTS AND
FIRMS MEASUREMENT RETURN

LFs INVESTMENT PROPOSAL

SELECTION PROCESS
• % of financial participation ROLE FOR HABITAT MACEDONIA
• Public invitation
• Higher participation to be • Loans & equity investments
• Application
given priority for increasing LFs
• Evaluation
• Option to get loan or equity participation
• Approval
to increase participation

Session with EMEA countries: Habitat Macedonia

 GOOD GOVERNANCE
Habitat Macedonia has been one of the
rare HFHI NOs with

100% local board members.

all initial/founding members

After 14 years
are gradually replaced with
new ones.
However, the board is being committed like
it was at the very beginnings of the
organization.
Session with EMEA countries: Habitat Macedonia
 FUTURE

ASSEMBLY

GOVERNING BOARD HFC SB CC SB RBMC SB

ND

DDP DDFA HFCM CCM RBCM

PM1 RTF PM2 RDCM FM ODCM

PJM1 PJM2 OHRM 2CS DM

PS PS VC PDRS FS FS AS ICS FS/CS FS FS

P RDC FA
AA

NGO HFC CC RBM

Session with EMEA countries: Habitat Macedonia
 TEAM BUILDING
Biggest NO office in the smallest HFH
country in Europe and central Asia, with
minimum staff turnover:
ND and 3 managers are there
since the first year (2005),
DDP is there for 10 years,
another 5 managers were promoted
or joined in the past 9 years.
In 14 years of existence,
only 1 manager left the organization.
Session with EMEA countries: Habitat Macedonia
Thank you.
Session with EMEA countries: Habitat Macedonia