As an offshoot of traditional microfinance, housing microfinance institutions (HMFIs) provide loans for constructing an incremental step in a house build, or for a small addition (such as a room rental or other home-based income).  

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As a value-add service, construction technical assistance (CTA) often accompanies these loans, which significantly raises the building quality and asset value of the house, leading to longer term, interrelated outcomes on health, education and wellbeing.

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This paper examined the macro-economic and micro determinants that enable/disable HMFIs from providing CTA as a value-add service, and how more HMFIs might be able to increase adoption.