• Dr. Chafia Ferhat
• March 6, 2013
• Ponder
• Dr. Chafia Ferhat, housing shortage, housing the need, public housing
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 When I was doing research for my Ph.D on housing policies in Algeria some 25 years ago, I predicted based on existing case studies in other countries, that they will never succeed in solving the problem because of 3 main reasons; Firstly, the financial system and financial models were not engaged in the process and are not real contributors to …