The Housing of Good Intentions: The Naya Pakistan Housing Program

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See all articles by Usman W. Chohan

Usman W. Chohan

UNSW Business School; Critical Blockchain Research Initiative (CBRI); Centre for Aerospace & Security Studies (CASS)

Date Written: January 7, 2020


This paper briefly seeks to identify the primary challenge facing the public value-creation efforts of the Naya Pakistan Housing Program (NPHP) as of 2019. The NPHP is an affordable housing project initiated by the Government of Pakistan to provide 5 million houses in five years. This paper highlights the legal-structural arrangements, favorable to borrowers but disfavorable to lending institutions, as the main dissuading factor to bank and non-bank financial institutions entering into public-private partnerships (PPPs) in the NPHP. The rationale for this and the counter-argument is explored, suggesting that public value trade-offs must be revisited in order to foster PPPs in the affordable housing segment.

Keywords: housing policy, housing, developing countries, emerging markets, Pakistan, PTI

Suggested Citation

Chohan, Usman W., The Housing of Good Intentions: The Naya Pakistan Housing Program (January 7, 2020). Available at SSRN:

Usman W. Chohan (Contact Author)

UNSW Business School ( email )

UNSW Business School
High St
Sydney, NSW 2052

Critical Blockchain Research Initiative (CBRI) ( email )

Centre for Aerospace & Security Studies (CASS) ( email )


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