| Abstract | Few would disagree that public housing programs offer conditions that never suit the people for whom they are meant Our past experience is evidence of the futility of such housing programs. primary reasons of our past failure are three:
(1) Misconception of housing itself, the belief that a house
is a "product" rather than an environment;
(2) Misunderstanding about people\\\\\\'s priorities, how they
The change with the stages of urban settlement process and what kind of housing they can afford; and
(3) Underestimation of people\\\\\\'s potentials for self housing.
The first part of the thesis deals with housing and establishing
the urban settlement process in Bangkok. A model of urban settlement process, contrary to established models, is presented.
The second part of the study deals, particularly, with popular
housing areas of Bangkok.
The study areas were selected on tenure security criteria, prevalent in various settlements.
A comparative study of the components of environmental security and housing input in each study area was made to have an idea under what conditions what amount of effort people have put into their housing. Not only this
people\\\\\\' s efforts and under-efforts at settlement and city level were estimated.
It was found out that under prevalent environmental
security, about 90 million that are being underinvested by the people into their housing.
To have an idea about the preconditions for the stimulation of people\\\\\\'s domestic resources into their housing, various components of environmental security i .e. , tenure security, employment security,
physical security and t heir variables, were analyzed in a multiple regression in order with the dependent variable of housing input to determine which variable(s) explain greater proportion of the variance
in housing input. It is believed that the results are of great importance to the officials and agencies dealing with the low-income housing problem in order to implement a pol icy to determine how and under what
conditions people would be encouraged to invest their domestic resources into their housing. The last part of the study deals with people\\\\\\'s potential saving systems-how people save, how much they can save, and which are their
recognized saving systems .
An analytical study of "Chaergame" is made with respect to the saving systems of people in other countries like Pakistan and South Korea.
Some recommendations are made for the improvement and widespread use of this system as a tool to finance people \\\\\\'s housing. |
