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National Housing Fund Policy and Sustainable Housing: A Study of Ministry of Culture, Information and Creative Economy, 2019-2025

Alli, Wekinetu, R. Onya PhD, E.P. Ogele PhD

Abstract

This study investigates the effectiveness of the National Housing Fund policy in providing sustainable housing for workers in the Ministry of Culture, Information, and Creative Economy, Port Harcourt, from 2019 to 2025, through the lens of Public Choice Theory. The theory contextualizes how institutional incentives, bureaucratic behavior, and individual decision- making shape policy outcomes. Using a descriptive survey design, data were collected from 300 permanent staff across four agencies NCMM, NGA, NICO, and NFVCB achieving 269 valid responses (89.7% response rate) via total enumeration. The National Housing Fund Policy and Sustainable Housing Questionnaire (NHFPSHQ) captured demographic information, policy implementation, housing satisfaction, access challenges, and socio-economic factors. Reliability was confirmed through test-retest and Cronbach’s alpha (α = 0.88). Descriptive statistics (frequencies, percentages, mean scores) addressed research questions, while Pearson Product Moment Correlation tested hypotheses at a 0.05 significance level using SPSS version 25. Results indicate that NHF policy implementation was moderately effective but limited by bureaucratic inefficiencies, informal networks, and insufficient alignment of loan values with regional housing costs. The study recommends policy adjustments including differentiated loan ceilings, streamlined administrative procedures, enhanced transparency, and stronger institutional accountability to improve housing access and sustainability for public sector workers. These findings contribute to understanding the intersection of housing policy, institutional behavior, and workforce welfare in Nigeria’s public sector.

Keywords

National Housing Fundsustainable housingpublic sector workerspolicy effectivenessPublic Choice TheoryNigeria #

References

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