"... the unfinished house is a common sight in sub-Saharan Africa. These structures are not on their way down, but on their way up. Without access to finance, millions of families build homes literally one brick at a time. It's a self-designed installment plan: when liquid, families invest in cement bricks, which, over years, will be sufficient to complete a modest home. Safer than cash, a 'halfway house' is an unusual savings instrument. Brick by brick, even the very poor are doing their level best to build assets"
- Dayo Olopade,
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