A Critical Assessment of the Nature of Service Delivery of the Federal Mortgage Bank of Nigeria, Kano Branch from 2020 to 2024

This study examines the challenges affecting the implementation of the National Housing Policy (NHP) by the Federal Mortgage Bank of Kano Branch (FMBKB) between 2020 and 2024. The research explores key obstacles such as funding limitations, bureaucratic delays, high costs of building materials, inadequate infrastructure, and the lack of skilled personnel, as well as their impact on housing service delivery. A mixed- methods approach, combining quantitative surveys and qualitative focus group discussions (FGDs), was used to collect data from FMBKB staff, contractors, and stakeholders involved in the NHP. The findings reveal that bureaucratic bottlenecks and the high cost of building materials are the most pressing issues, followed by funding shortages and delays in processing housing loan applications. Challenges such as insufficient stakeholder collaboration and low public awareness of the NHP also emerged as significant factors impeding the program’s effectiveness. The study concludes with recommendations aimed at increasing funding, reducing bureaucratic inefficiencies, enhancing training and capacity building, and fostering better collaboration among stakeholders to improve the implementation of the NHP and address Nigeria’s growing housing deficit. The findings underscore the need for comprehensive reforms to enhance the FMBKB's capacity in delivering affordable housing solutions.