The Senegal Housing Bank (Bhs) and the Social Housing Funds (Fhs) formalized, on Tuesday, February 3, 2026, a strategic partnership around a financial instrument dedicated to the sector informal. The objective is to transform diffuse savings into loans structured for the construction of decent housing.

The agreement between the Senegal Housing Bank and The Social Housing Fund aims to structure the savings of non-employed households and to strengthen public intervention in favor of supervised housing, accessible and in line with national development guidelines urban. This initiative is part of a dynamic of strengthening public instruments at the service of social and economic housing. She is resting on a logic of institutional complementarity intended to transform individual savings in effective financing capacity for construction of decent housing.

This device aims to integrate the informal sector in public housing policies, taking into account the absence of formalized earnings. It is based on a gradual approach based on savings discipline and the real capacity of beneficiaries to contribute.

Public authorities have reaffirmed that the expansion of access to credit should be accompanied by a strict supervision of the housing supply. The Social Housing Fund intervenes through a mechanism combining public guarantee and subsidy interest rates. This intervention makes it possible to reduce banking risk and to lower the cost of credit for beneficiaries.