Factors Determining Cooperative Societies’ Housing Finance Acceptance in Gombe, Nigeria

Deborah Garba, Nneoma Iroaganachi, Ishiyaku Bala


Housing finance in developing countries is not readily available, and access to which is increasingly becoming difficult. The government has not been able to tackle the problem of housing shortages, especially in cities, as caused by population growth and increased urbanisation rate. There is, therefore, the need for interest groups like cooperative societies to come in. The study aimed at assessing the factors determining cooperative societies’ housing finance acceptance in Gombe to identify the descriptive levels of variables, adopting the Theory of Planned Behaviour. Using stratified random sampling, close-ended structured questionnaires designed in 5-point Likert Scale were used to get a total of 283 valid questionnaires used for the analysis. The findings supported the fitness of the traditional variables of TPB in predicting willingness to accept the present (study’s) housing financing model. The levels of the research model’s constructs were very high performance based on their mean and standard deviation. Thus, all the constructs can fit into the research model. The study recommends a further analysis to determine the statistical relationship among the model’s constructs to validate the TPB in this domain.


housing finance; cooperative societies; Theory of Planned Behaviour; Gombe; Nigeria


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