This book investigates the systemic failure of formal financial institutions to provide adequate housing credit to low-income populations in developing nations. Authors Gareth A. Jones and Kavita Datta analyze the structural barriers that prevent traditional banks from serving non-middle-income clients. By examining the intersection of public policy and private lending, the authors argue that current institutional models are insufficient for addressing the housing needs of the global poor, particularly women. The text synthesizes case studies and institutional analysis to propose that alternative, community-based financial models are necessary to bridge the gap in housing accessibility.

Experts recognize this work as a critical examination of the limitations inherent in traditional development finance models. Readers frequently note the academic density of the prose, which serves as a foundational text for students and practitioners in urban development and international economics.