Programa de Vivienda Popular

The Unión de Colonos, Inquilinos y Solicitantes de Vivienda de Veracruz (UCISV-VER) incremental housing programme in Veracruz, Mexico, helps low-income families build or improve homes when they have no access to formal credit. It combines family savings, traditional “tanda” group savings, and micro-loans. Construction is done in stages, so families are not overburdened financially. Families help design their own homes through community workshops and receive training in self-build techniques.
Since 1997, the program has supported 684 families. Most participants are women, who lead 83% of family groups. The approach strengthens community ties, builds savings habits, and boosts women’s confidence and leadership. Families typically earn less than three minimum salaries, so this is often their only chance to own a safe, durable home.
The process begins with families pooling savings in groups of seven to buy land. They then start phased construction, often beginning with a single large room, terrace, and toilet, with the option to expand later. A demonstration house shows what savings can achieve, using traditional local design with a patio, washing area, and a natural plant-based drainage system.
The programme promotes environmentally friendly building by using bamboo, dry toilets, and plant-based water filtration, though some families are hesitant to adopt new methods. Training in construction has also helped some participants increase their income.
The total programme cost so far is about $960,000, mostly funded through a revolving community fund, state support, and family contributions. Beyond housing, the initiative has improved social cohesion, raised political awareness about housing needs, and provided skills that benefit both families and their neighbourhoods.