一份新报告发现,联合贷款可以帮助低收入的肯尼亚人,特别是妇女购买房屋。 Joint loans may help low-income Kenyans, especially women, buy homes, a new report finds.

联合贷款账户可以提高肯尼亚的房屋所有权,特别是对低收入者而言,Sasra、FSD Kenya和KMRC在一份报告中发现了这一点。 Joint loan accounts could boost home ownership in Kenya, especially for low-income earners, a report by Sasra, FSD Kenya, and KMRC finds. 大多数借款人每月收入低于100 000瑞郎,使传统的抵押贷款难以获得,但通过共同账户将收入合并可能会增加负担能力和批准机会。 Most borrowers earn under Sh100,000 monthly, making traditional mortgages hard to obtain, but combining incomes through joint accounts may improve affordability and approval chances. 男女的贷款业绩相似,偿还率几乎相同,表明风险没有增加。 Loan performance is similar for men and women, with nearly identical repayment rates, indicating no increased risk. 然而,由于Sacco女性成员较少、文化规范和不同风险态度,妇女获得的贷款不到所有贷款的一半。 Yet women receive less than half of all loans, due to lower female Sacco membership, cultural norms, and differing risk attitudes. 报告建议扩大联合抵押贷款产品,以支持双收入家庭,并增加低收入群体的财产所有权。 The report recommends expanding joint mortgage products to support dual-income households and increase property ownership among low-income groups.