progress report for the period of august …pdf.usaid.gov/pdf_docs/pdaar610.pdf · progress report...
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PROGRESS REPORT
FOR THE PERIOD OF
AUGUST 1978 THROUGH APRIL 1979
AIDotr-G-1 583
JAMAICA
OPERATIONAL PROGRAM GRANT
JAMAICA
I Purpose
The purpose of the OPG is to assist the Government of Jamaica
through the Jamaica Mortgage Bank the Ministry of Housing and the
and the Jamaica Cooperative Credit Union League in the planning developshy
ment and implementation of urban and rural shelter improvement prigrams
II Program Funding
The JMB has contracted a $150 million dollar AID Housing Guaranty
(HG) loan to improve the living conditions of low income urban and rural
families These loan funds are to finance three subprograms I inner
city urban tenement upgrading IIsquatter settlement improvement and
III home improvement in rural areas
III Institutional Responsibility
A Jamaica Mortgage Bank (JMB)
The JMB is the borrower of contracted AID HG $150 milion dollar
loan It is responsible for the monitoring and overall cordination of
the three subprograms
B Ministry of Housing (MOH)
The MOH is now responsible for two subprograms - I) urban upgrading
program and II) squatter improvement program
C Jamaica Coy)erative Credit Union League Ltd (JCCUL)
JCCUL is responsible for development of suLprogram III the rural
home improvement loan program
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IV Program Status
All three subprograms are behind the projected financial and
construction schedules As of the end of the reporting period for
example no loans had been made for subprogram I urban upgrading nor
subprogram III rural home improvement loans In an attempt to remedy
some of the organizational and management problems of subprogram I
the Government of (GOJ) designated that the MOH would be
responsible for it rather than the Ministry of Local Government The
JCCUL requested FCH assistance in analysing the communication needs
for subprogram III in an effort to better promote and develop it
The MOH commenced construction on two projects under subprogram II
The MOH is currently developing additional squatter improvement projects
that are scheduled to be presented for apprival in June 1979
The recent increases in the cost of construction estimated to be
50 and the rate of inflation estimated between 40 to 50 annually
have effected all three subprograms The design of each subprogram
taking into account what the target group can afford is being reviewed
by the responsible institution
V Project Status
In accordance with the current OPG Agreement FCH is to provide
assistance in specific areas to the Jamaican institutions and their
respective subprograms as follows
A Ministry of Local Government (MLG) Subprogram I Urban Upgrading
(This subprogram is now the responsibility of the MOH as of March 1979
1 The development of guidelines for the urban plan taking into
account the physical economic and social data of the target population
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and the urban center where the project is located
Mr Jesse Jones Jr the FCH Resident Technician assisted the
National Urban Upgrading Unit (NUUU) to develop operational guidelines
such as Attachments 1 and 2
(Note The NUUU was transfered from the ML1O to the MOH with the
GOJ assigning the responsibility of subprogram I to the MOH)
2 The development of guidelines for financial management to
(a)maximize the utilization of the funds available to the overall
program (b)to streamline the flow of funds from the financial
institutions to the project beneficiaries in order to maximize the
number of units improved and constructed and (c)maximize inter-minsterial
coordination for providing resources to increase the delivery of social
services to the areas
The FCH Resident Technician assisted the NUUU develop financial
materials and criteria for the subprogram such as Attachment 3
3 The development of guidelines for the review and evaluation of
socio-economic surveys to identify (a)employment generating activities
(b) the need for job training rpograms and (c) income improvement
opportunities
Because of the November 1978 presence in Jamaica of a group of
AID consultants under its Integrated Improvement Program for the Urban
Poor (IIPUP) FCH was requested to postpone any action on this activity
B MOH Subprogram IISquatter Improvement
1 The development of communication guidelines for promoting and
explaining the program
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2 The development and preparation of training guidelines and
material to educate the project social services staff in the use of
the communications guidelines
3 Preparation of material to train the social service staff to
educate the project beneficiaries in the nature of the program community
participation and their roles in the program
FCH consultant Dr Anthony Fisher was in Jamaica in November and
December 1978 and January and February 1979 for a total of eight weeks
to undertake the above work Copies of Dr Fishers reports were
distributed by FCII to all interested parties for their information
C JCCUL - Subprogram III Rural Home Improvement Loans
I Develop parameters for the rural home improvement loan
program
FCH provided this assistance in April 1978
2 Develop forms for the review and approval ot loan applications
for the program
FCH was advised that this type of assistance was not needed and
requested assistance in communications (Attachment 4 and 5) FCH contracted
Dr Fisher to spend approximately five weeks in Jamaica to analyse the
communication needs of the JCCUL and to affiliated rural credit unions
for the program Dr Fisher arrived in Jamaica in mid-April to initiate
his assignment
VI OPG Agreement Amendment
In April Mr Dick Owens FCH Project Manager Jamaica OPG visited
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Jamaica to discuss the role of Mr Jones FCH Resident Technician as the
result of the transfer by the GOH of the responsibility of Subprogram I
to the MOH As the result of his visit a draft OPG Agreement Amendment
was prepared (Attachment 6) The Amendment was agreed to in principle
by the different parties and is to be finalized and signed
The main changes reflected in the Amendment include the following
1 The transfer of the responsibility for subprogram I from the MLG
to the MOH
2 The FCH Resident Technician will be assigned to the JMB instead
of the MLG The FCH Resident Techncian will assist the JMB to monitor
and to coordinate the efforts of the MOH and the JCCUL in the planning
programming implementation and management of their respective subprograms
3 The FCH assistance to the MLG now the MOH in the area of employshy
ment generation was eliminated at the request of the MOH
4 The JCCUL request for assistance in communications was included
in the Amendment
Attachment 1
Notes and Forms for Assessing
the Status of the Program and Developing
a Comprehensive Work Plan
Drafted by Jesse Jones
and
Submitted to the Following
1 Permanent Secretary MLG
2 James Tucker
3 NUUU Staff
4 David Levermore JMB
1 Construction Activities and Work Plan
2 Financial Activities and Work Pian
3 Physical Planning Activities and Work Plan
4 Sociological Activities
5 Flow Chart of Activities for Willing Owners
6 Sample Work Plan for Rehab Activities
7 Flow Chart For Unwilling Owners
8 6raft Work Plan
9 Sample Cost and Loan Information
10 Blank 18 Month Time Chart
Following the suggestions I made in my report of October and
numerous discussions since May that the entire senior staff
participate in specific meetingsto develop a mapping system
or work plan in each work area attached is a series of
draft documents to facilitate that process and also provide
the unit with a tool for assessing where the unit is today
in terms of beginningconstruction
V
In each work area I have listed most of the activities
required to plan implement and to evaluate the progress of
each department in its attempt at reaching the goals of the
program The list is by no means exhaustive In the October
report I made specific reference to the development of the
work plan which could assist the unit in clarifying staff
responsibilities and in specifying and scheduling the person(s)
-2shy
responsible for outstanding issues Central to making the
work plan workable is agreement on the critical requirements
of the program and how staff rcPs relate to each
other a-34 assuming staff responsibilityand in the same
context would be better position to maintain overall control
and determine policy if he participated in the process of
determining the activities listed in each area
After agreeing on the above activities each staff member
individually and collectively could list and define the
resources and time required to accomplish particular task
Since the program has already has a period operation for
planning and many of the actual surveys have been completed
the staff is in a better position to evaluate the work
completed to date and project the actual time requirement
for various activities which remain incomplete
In the Financial Activities Chart I have also listed some of
the forms required for the loan program as well as some of
the itQms which should be included in a monthly reporting
system T circulated an earlier reporting format for reporting
construction activities and it is enclosed for reading
references
Note One apparent problem plaguing the planning and rehabishy
litation section has been the lack of clearly defined areas
dh
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of responsibility for each section which has resulted in
duplication of efforts The planning Iand implementation
activities are clearly separated on the attached format
The listing of activities in each area can also serve as
a guide for assigning staff responsibility and avoiding
unnecessary duplication
Chart
Time chart format only covelan an 18 month period and can
be easily modified or adjusted as revised
In Appendix 1 of methodology ie staff responsibilities
re physical improvements arewere established with the
linkages between the national office and each project office
with corresponding responsibilities The activities chart
does not divide the required activities Determining who
when and how the field staff will interrelate is also a
feasible required aspect of developing the acitivities chart
and assigning various responsibilities
Again the organizational linkages in the unit project level
and external agencies have been discussed but not clarified
Each internal and external agencies should listed andbe staff
assigned accordingly he attached flow chart which was
discussed in the January 10 staff meeting clearly shows that
- 4 shy
the bottlenecks is at level 3 (iedefining willing and
unwilling owners) and until such time stage 3 is qualified
it will be impossible to give an realistic assessment of
project cost and construction period required
The data to date indicates that earlier projection no longer
valid A limiting factor was the size and place of the survey
(Kingston) Again the execution phase is dependent on
establishing and meeting the requirements of the law or using
the estimators to concentrate on obtaining financial informashy
tion in order to determine how much will be spent in each
yard
The Flow Chart of unwilling owners clearly indicates that
without sufficient information on the requirements of the
Housing Law the unit cannot progress pass the seventh (7th)
step Once the Plan is accepted and datlared by the Ministry
of Housing there are additional time constraints and periods
of compliance or non compliance by the owner(s) or persons
responsible for collecting the rent for each premises
NATIONAL URBAN UPGRADING PROGRV1E
CONSTRUCTION ACTIVITIES AND WORK PLAN
CONSTRUCTION ACTIVITIES
1 PHYSICAL SURVEYS- All yards Identify all existing health and safety
conditions measure of building lot size and site plan
2 DETERMINE ALL REQUIRED IFiROVEENTS amp COST
3 EVALUATE amp DETERMINE MINIMUM CONSTRUCTION-
Based on rental or other income information and construction priorities (Economic analysis shy
ability to repay)
4 PREPARE WORKING DRAWINGS-
Per yard with specifications
i) general conditions ii) special conditions
iii) list of materials local and imported
5 PREPARE CONTIACT PACKAGES -
For Tender or Negotiation
6 TENDER OR NEGOTIATE CONTRACT
7 PREPARE CONSTRUCTION CONTRACT amp EXECUTE-
Specify Format
8 CONTRACT SCHEDULE
9 INSPECTION amp MONITORING OF CONSTRUCTION
10 RECOgt1END INTERIM PAYIMiENTS
11 CLOSE OUT CONSTRUCTION
12 RECOKIEND FINAL PAYMENT-
After Retention Period of 28 days
rianicinC Acf~ vff icAqu1vd (1 Loan lVoguan
Activities ake Woita a4ea the det~intiaUons aie madec )Lega)L(Uflg the Aeciplent 06 the Loan and pcuton 04 9~oup tcpo~iibUc doampL Acjpaytnt Key to 4-iNallCiatWCOLIZ pCaii-i6 kniowing att the activtiesC kCctLed
1 Idcinuiy ap)Ccait (puon oIL peOi_ csiinb 6op ya id Tlurke aI~e at Ceast thace (3) poui~fa~ mmhip~z ot tenant pa-ttc-w whi~ch couLCd bec Ampo2ns ibt 6oi assiunn the 61uancWa LcsponJ1(LZUus~ 06 homec ipaouIUCIIL Coui Ini tiC Ca-sCZ 06 flec ind4iet) aged ot Govealtment acztcwLampe Wa4aiicact5 aAe necCezsaa)LYf to
2 Vetuuine the uigih~t -to entcI into a binctbi9 contAnc-t 601L tepayjshymcnt and ownu~tsh1 O4 cont)Lof 06I yjaid o Jle)ie
3 I ncome detchm Lnation - deemnj ine and ve4i6yJ otuicc o6 incomre Whe~tIze XI-L0L9( cmpfoymoiut vc61~ ca ti 4Ientat inrme wi th appicopltiUe baze CVL1aicents -to veii6y] Lents liaubts ( csetz)
4 Vcete~unuiie abitity kep4ay - poocems Cean apication on Zean teo0ld AM Docemin dWposable incomne aga-tinst uapoutt 6tonR~ehab iLtUatio n Sec-tion on a imoptov~cmecnt detaiZas ouu ASicwAed (nlounOLt Vi~posnt - ImaxAitiuim Loan cvwitaut ComipLtcd
5 1Uoti y Rehab Sgc-t~on o6 amonoit tentatampcdy appLoved
6 Nottc(e Seltevh Schiv~cc - ~submit~ppIe1tiviinaiJ docunncitz with SLuppmLting data
7 Execute Loan ajppic~zion (I appkove Zoan conttac-t
8 Issue niobiLPzaitioni kc (che -to ColtIac-toi
9 Apvo~vc in-Lot~m payuints based on ccntf6 catiou 6ov WeAS
10 Chaing e oh dcs oa6 oil contulac-t atutholizatiol
11 Sulblli~ 6(iat COOPtwCt doc(enlt6 to SCNCL SCAice basecd on7 Coluvf onl Ccii cate 06~ WOUIin MOOc - issui 6IVA paymenrt appiovatC 6oai job I I Izowttdc1 on Vtaun un iia Znong11 tuii Loan with OWncuteuwJtt and SetlCA Seaiice
1 fRCqCLC5t made 2 Recquest aiicCy4cc1 3 Sftaiu~l 0 ACque4-)t
IlnobU~iza-tioji 6ccm-~s
4 5 To~iiL cfunufa tive
TzadczAn~U Iao anid Sc Cte Scv cc 3 7l5sae muid lmiii LW(12 palplic11(tCCh t~ijc0C4 Putchaw5c oqdeAi6 and iiLct o6 goot5 Lqw~5 7sMtc pajawn ts to couzactc- 6o- dcnmo-Uxonl6 AwipLe aymnint6 to cctaftj oi tic 66nihcd 7 Maintaini invi~toy and stock coltntot
NATIONAL URBAN UPGRADING PROGRAMME
DRAFT WORK PLAN - PHYSICAL GUIDELINES FOR EACH PROJECT AREA
PHYSICAL PLANNING
1 OVERALL BOUNDARY MP-
Prepare in house using input from Town Planning Department Sites and Services or Windshield Survey
2 PREPARE MAP amp PRELIMINARY PLAN-
According to specifications from MOH
3 DECLARE AREA UNDER MOH LAWS
4 REVIEW AND ANALYSE EXISTING CONDITIONS
5 REVIEW FACILITIES AND SET PLANNING OBJECTIVES-
Public sewer water electrical services streets sidewalks community facilities commercial development demolition and construction of new housing transitional centre temporary housing
Select necessary contractors or consultants to survey area where inadequate Government surveys are available
6 DETERMMINE AND RECOMMEND ALL IMPROVEMENTS -
Demolitions and construction to meet physical and social objectives of the Programme Input required from Sociologist amp Physical Planner
7 ESTIMATE OF COST FOR ALL ABOVE-
Submit to Financial Controller
8 PREPARE FINAL PLAN-
With aboveand all improvements to yards submit to Minister of Housing for declaration of Area for review
9 SLPERVISE AND MONITOR EXECUTION OF PLAN
NTIOAL URBAN UPCRADTNG PROGRA2
DAF WOLK PLAN - 8fiSICAL GUIDELIES
_________________PUNIG
2 RPAM amp PR-ZLTXN~ARY PLAS
3 -LA RFA NDE- XOPMI LAWS
4AALYSE EXISTING
FOR EACH PROJECT AREA
23 314 I
l __ __f
51 6 7
__ __
8I9
I
10nl
r
r
FIO=S112113 14 15
1
__I__ 1-7
16liii
17 18
RE FACILITIES amp SET PL
o___ __-___I
6DZErYINE amp ECO21D ALL
NING
1_ fII
-F-__---
i __ _
7
_ I i i i
17 ESTIKA7 COST i I I
JJJ 3179
Socio-Economic - Activities required for Target Area
1 Preliminary indentification of area based on inpllt from
census chart Windshield surveys tgeneral knowledge
about major urban areas - time frame expected shy
mon th s
2 Train enumerators Select and train local groups to
conduct surveys of each project area The period of
training is normally one week while the selecting and
recruitment may take as long as one month
3 Start Socio-Economic survey - expected time frame less
than one month for collecting raw data
4 Preliminary data extracted and submitted to Rehabilitation
Coordinator ie income rentals ownership patterns
number of premises with special needs (the problem of
securing adequate information on income ofowner has been
identified but no-workable solution has been found The
exploration of alternative approaches to this problem is
critical to development
5 Coding information from surveys - todate this process
has been accomplished by hand Although providing additional
labor input for the program this process is time consuming
and thoughts should be given toward developing precoded
surveys
6 Socio-Economic Profile developed
7 Analysis and recommendations An assessment of and
establishing criteria for cojnmu1nit-y facilities and
services for the project area List new or improved
services need ie required seats for various school
categories health facilities (need for basic clinic or
other categories) In assessing delivery of services to
the community - ie how can services be improved shy
funds staffing location is better government coordinashy
tion required Can the unit participate in joint planning
with agency responsible for delivering the services at
what functional level does the unit relate to external
agencies
8 Develop Plans Liase with Community Coordinator physical
Planner and other governmental and private agencies to
develop overall plan (social) for target area
9 Assist in implementing plan
a) Assess survey and survey techniques to determine if
data provided methods used are adequate to provide
information required thefor program
b) Informational resources to Community Coordinator and
Field Personnel
c) Monitoring and evaluation of field staff
r- 13 Vl AO QILIN
CD
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S
cj
LP
Cz
UlMilloti
---- --
__ __ _ __ __ __ ___ __ __ __ __
NATIONAL UBAN UPCRADING PROGRAy
CONSTUCTION ACTIVITIES IOT PLAN
I I ONTPS
3 4 F5 6 71 2 8 9 1o 11 12 1 14 15 1 17 18
E DOV - Samp COSTD T--- flR- CO STRUCTIO N I k---I - - - ----- -- - I IiI ~___ _ o~t DIV G -[EAR I II--- II 1ff
5 R-E- COTsRCTO c-ACzAc-rc ---- OR__ A I II
12 or ii j Ij ~ ~ i ishy rT-
TA CT SC u --iI I I I I 9 c O ~ T R s c F c s n c OI A T I I0RE ZE~ D EIP IJ [ I_ _ __ _ __ _ __ _-----__ _ __ _ _ _
mcr 12 -~J-c i
- IJ~~s-16 M4A9
p -Z as i
_________
NATIONAL URBAN UPGRADING PROGRANE
13 v I Y I t8 7
__0MNTHS[2 1 I I 13 4 5 6 9 o0_ 1 12 114 15 1 6 17 18__ _ _ _ __I _ __ __ _ _ __ __ __
(r _LI _ I | - _ _ __ _ _ _ __ _ _ _ _ I ____
Q L IQ MMamp__ t Or _ _ __ _I tI F I I 1 1 - ____ f
NATIONAL URBAN UPGRADING PROGRAMME
3112 7 _0
ONTHS
12 13 14 15 16 17 18
1
I J
F I
I_
_ __
_ ___ _ _ _ __ _ _ __
_ _ _ _ _ _ _ _ _ __
t -
ANNEX A CSTRUCTdC dCOST VARIOUS LOAN -OUNT AT 12 PER ANU 14ONTHLv DAY NTS YEARS amp
C -jTc C SLO ICO amp PERCENTAGE OF INCO-NDT(R ACARDLESS OF SOUCE)
CQ=Plete Enclosure for Kitchen
with sink - 10 - 1 0 -8s X 8
x8 6 x a
Sanitary F-riilities6 fixtures at S23001
i e -oile t _ (2 )Lavatr7 (2)
Shoer (27 Lineas
2500 0020000
200000 160000
16a000
luo0 L2 Lini
Ft Ft
100000
200000
3C000
400000
5C0000
5 vrs jo vrs
14 32223 1435
4449 2870
6674 4305
889s 5739
11123 7174
-
15vrs1c_00
1201
2401
3601
4801
6001
20 vrs(Hosic-
Act0)225 1102 5000
2203 1000
0
3304 15000
4405
20
1000
000
2000
3000
3500
25
1250
250
2500
3-750
4175
50 75
3500 3750
3500 750
3SO90 7500
750o ]125C
850 13425 61 5506 200 0 400 5C0I0050
Shower Star
Ro (Peair]
3x4j 150000
600000
700000
13347 8609
15572 1C29
7202
8402
6607
7708
Z--130 per sq ft
Paving (Yar - area 100per sq ft Stand Pipe poundsu_
6000 10000 COmplete
A vorage CO StcAverag- -Stc ee c-a-
ya d witn e ~ ~~ ~j T o meet t h e mi nim=um u e ts o a ty c l
mwieur estarird- revqtn a total consirdenti oncost of approxi-7ate- 4 49 which would necessitate
Montly payments f a-roxl-aelv S5 r year period for a 20
The lanquage in up to 20 years tc
-ec--ing Act gives a period r repa- for compulsory work
Attachment 2
FOUNDATION FOR COCPERATIVE HOUSING 2101 L STREET NW WASHINGTON DC 20037 bull (202) 857-4100
To James Tucker Director DATE September 28 1978
FROM Jesse Jones FCH
SUBTECT Overall Plan for Each Area
This memo is an extention of my previously suggested draft plan for developing the upgrading plan for specific areas and should be considered as a working document to assist the Unit in definshy
the ingphysical planning process This memo also attempts to pinshypoint graphically the total community concept
The layout or graphic display selected may vary but the essential point is to provide in a Central location a visual display of the area which could include
A) Description of upgrading area
1 Boundaries with a clear defined landuse map
a) Housing
b) Comrmercial
c) Industries (small shops)
d) Vacant buildings and land
2 Public institutions and Community Facilities Map
a) Government Offices - Local Representatives
b) Police stations
c) Post office
d) Public library
e) Health Clinics or hospital
f) Schools i) Basic ii) Day Care
iii) Secondary iv) Trade Training Center
g) Home for Elderly
h) Recreation facilities i) Play Field ii) Park
2
~M E M 0 R A N DUMIFH DATE
TO
FROM
SUBJECT
3 1
~1~-~j~udi
t
t _[UMM R N U ME 0 A D
F0DATE 2 ~7
TO
FROM
SUBJECT
fu
L L -
L I
I A
Uf I)Tc -)
-LL zIT s Nlth rfC
i( I r(2iz 3 t
--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
C) li L c ( ltcc o
Qc C
J--
L4icLStE am shy CI If
-C ~r F~~~~DlA cL
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
OPERATIONAL PROGRAM GRANT
JAMAICA
I Purpose
The purpose of the OPG is to assist the Government of Jamaica
through the Jamaica Mortgage Bank the Ministry of Housing and the
and the Jamaica Cooperative Credit Union League in the planning developshy
ment and implementation of urban and rural shelter improvement prigrams
II Program Funding
The JMB has contracted a $150 million dollar AID Housing Guaranty
(HG) loan to improve the living conditions of low income urban and rural
families These loan funds are to finance three subprograms I inner
city urban tenement upgrading IIsquatter settlement improvement and
III home improvement in rural areas
III Institutional Responsibility
A Jamaica Mortgage Bank (JMB)
The JMB is the borrower of contracted AID HG $150 milion dollar
loan It is responsible for the monitoring and overall cordination of
the three subprograms
B Ministry of Housing (MOH)
The MOH is now responsible for two subprograms - I) urban upgrading
program and II) squatter improvement program
C Jamaica Coy)erative Credit Union League Ltd (JCCUL)
JCCUL is responsible for development of suLprogram III the rural
home improvement loan program
-2-
IV Program Status
All three subprograms are behind the projected financial and
construction schedules As of the end of the reporting period for
example no loans had been made for subprogram I urban upgrading nor
subprogram III rural home improvement loans In an attempt to remedy
some of the organizational and management problems of subprogram I
the Government of (GOJ) designated that the MOH would be
responsible for it rather than the Ministry of Local Government The
JCCUL requested FCH assistance in analysing the communication needs
for subprogram III in an effort to better promote and develop it
The MOH commenced construction on two projects under subprogram II
The MOH is currently developing additional squatter improvement projects
that are scheduled to be presented for apprival in June 1979
The recent increases in the cost of construction estimated to be
50 and the rate of inflation estimated between 40 to 50 annually
have effected all three subprograms The design of each subprogram
taking into account what the target group can afford is being reviewed
by the responsible institution
V Project Status
In accordance with the current OPG Agreement FCH is to provide
assistance in specific areas to the Jamaican institutions and their
respective subprograms as follows
A Ministry of Local Government (MLG) Subprogram I Urban Upgrading
(This subprogram is now the responsibility of the MOH as of March 1979
1 The development of guidelines for the urban plan taking into
account the physical economic and social data of the target population
-3shy
and the urban center where the project is located
Mr Jesse Jones Jr the FCH Resident Technician assisted the
National Urban Upgrading Unit (NUUU) to develop operational guidelines
such as Attachments 1 and 2
(Note The NUUU was transfered from the ML1O to the MOH with the
GOJ assigning the responsibility of subprogram I to the MOH)
2 The development of guidelines for financial management to
(a)maximize the utilization of the funds available to the overall
program (b)to streamline the flow of funds from the financial
institutions to the project beneficiaries in order to maximize the
number of units improved and constructed and (c)maximize inter-minsterial
coordination for providing resources to increase the delivery of social
services to the areas
The FCH Resident Technician assisted the NUUU develop financial
materials and criteria for the subprogram such as Attachment 3
3 The development of guidelines for the review and evaluation of
socio-economic surveys to identify (a)employment generating activities
(b) the need for job training rpograms and (c) income improvement
opportunities
Because of the November 1978 presence in Jamaica of a group of
AID consultants under its Integrated Improvement Program for the Urban
Poor (IIPUP) FCH was requested to postpone any action on this activity
B MOH Subprogram IISquatter Improvement
1 The development of communication guidelines for promoting and
explaining the program
-4shy
2 The development and preparation of training guidelines and
material to educate the project social services staff in the use of
the communications guidelines
3 Preparation of material to train the social service staff to
educate the project beneficiaries in the nature of the program community
participation and their roles in the program
FCH consultant Dr Anthony Fisher was in Jamaica in November and
December 1978 and January and February 1979 for a total of eight weeks
to undertake the above work Copies of Dr Fishers reports were
distributed by FCII to all interested parties for their information
C JCCUL - Subprogram III Rural Home Improvement Loans
I Develop parameters for the rural home improvement loan
program
FCH provided this assistance in April 1978
2 Develop forms for the review and approval ot loan applications
for the program
FCH was advised that this type of assistance was not needed and
requested assistance in communications (Attachment 4 and 5) FCH contracted
Dr Fisher to spend approximately five weeks in Jamaica to analyse the
communication needs of the JCCUL and to affiliated rural credit unions
for the program Dr Fisher arrived in Jamaica in mid-April to initiate
his assignment
VI OPG Agreement Amendment
In April Mr Dick Owens FCH Project Manager Jamaica OPG visited
-5-
Jamaica to discuss the role of Mr Jones FCH Resident Technician as the
result of the transfer by the GOH of the responsibility of Subprogram I
to the MOH As the result of his visit a draft OPG Agreement Amendment
was prepared (Attachment 6) The Amendment was agreed to in principle
by the different parties and is to be finalized and signed
The main changes reflected in the Amendment include the following
1 The transfer of the responsibility for subprogram I from the MLG
to the MOH
2 The FCH Resident Technician will be assigned to the JMB instead
of the MLG The FCH Resident Techncian will assist the JMB to monitor
and to coordinate the efforts of the MOH and the JCCUL in the planning
programming implementation and management of their respective subprograms
3 The FCH assistance to the MLG now the MOH in the area of employshy
ment generation was eliminated at the request of the MOH
4 The JCCUL request for assistance in communications was included
in the Amendment
Attachment 1
Notes and Forms for Assessing
the Status of the Program and Developing
a Comprehensive Work Plan
Drafted by Jesse Jones
and
Submitted to the Following
1 Permanent Secretary MLG
2 James Tucker
3 NUUU Staff
4 David Levermore JMB
1 Construction Activities and Work Plan
2 Financial Activities and Work Pian
3 Physical Planning Activities and Work Plan
4 Sociological Activities
5 Flow Chart of Activities for Willing Owners
6 Sample Work Plan for Rehab Activities
7 Flow Chart For Unwilling Owners
8 6raft Work Plan
9 Sample Cost and Loan Information
10 Blank 18 Month Time Chart
Following the suggestions I made in my report of October and
numerous discussions since May that the entire senior staff
participate in specific meetingsto develop a mapping system
or work plan in each work area attached is a series of
draft documents to facilitate that process and also provide
the unit with a tool for assessing where the unit is today
in terms of beginningconstruction
V
In each work area I have listed most of the activities
required to plan implement and to evaluate the progress of
each department in its attempt at reaching the goals of the
program The list is by no means exhaustive In the October
report I made specific reference to the development of the
work plan which could assist the unit in clarifying staff
responsibilities and in specifying and scheduling the person(s)
-2shy
responsible for outstanding issues Central to making the
work plan workable is agreement on the critical requirements
of the program and how staff rcPs relate to each
other a-34 assuming staff responsibilityand in the same
context would be better position to maintain overall control
and determine policy if he participated in the process of
determining the activities listed in each area
After agreeing on the above activities each staff member
individually and collectively could list and define the
resources and time required to accomplish particular task
Since the program has already has a period operation for
planning and many of the actual surveys have been completed
the staff is in a better position to evaluate the work
completed to date and project the actual time requirement
for various activities which remain incomplete
In the Financial Activities Chart I have also listed some of
the forms required for the loan program as well as some of
the itQms which should be included in a monthly reporting
system T circulated an earlier reporting format for reporting
construction activities and it is enclosed for reading
references
Note One apparent problem plaguing the planning and rehabishy
litation section has been the lack of clearly defined areas
dh
-3 shy
of responsibility for each section which has resulted in
duplication of efforts The planning Iand implementation
activities are clearly separated on the attached format
The listing of activities in each area can also serve as
a guide for assigning staff responsibility and avoiding
unnecessary duplication
Chart
Time chart format only covelan an 18 month period and can
be easily modified or adjusted as revised
In Appendix 1 of methodology ie staff responsibilities
re physical improvements arewere established with the
linkages between the national office and each project office
with corresponding responsibilities The activities chart
does not divide the required activities Determining who
when and how the field staff will interrelate is also a
feasible required aspect of developing the acitivities chart
and assigning various responsibilities
Again the organizational linkages in the unit project level
and external agencies have been discussed but not clarified
Each internal and external agencies should listed andbe staff
assigned accordingly he attached flow chart which was
discussed in the January 10 staff meeting clearly shows that
- 4 shy
the bottlenecks is at level 3 (iedefining willing and
unwilling owners) and until such time stage 3 is qualified
it will be impossible to give an realistic assessment of
project cost and construction period required
The data to date indicates that earlier projection no longer
valid A limiting factor was the size and place of the survey
(Kingston) Again the execution phase is dependent on
establishing and meeting the requirements of the law or using
the estimators to concentrate on obtaining financial informashy
tion in order to determine how much will be spent in each
yard
The Flow Chart of unwilling owners clearly indicates that
without sufficient information on the requirements of the
Housing Law the unit cannot progress pass the seventh (7th)
step Once the Plan is accepted and datlared by the Ministry
of Housing there are additional time constraints and periods
of compliance or non compliance by the owner(s) or persons
responsible for collecting the rent for each premises
NATIONAL URBAN UPGRADING PROGRV1E
CONSTRUCTION ACTIVITIES AND WORK PLAN
CONSTRUCTION ACTIVITIES
1 PHYSICAL SURVEYS- All yards Identify all existing health and safety
conditions measure of building lot size and site plan
2 DETERMINE ALL REQUIRED IFiROVEENTS amp COST
3 EVALUATE amp DETERMINE MINIMUM CONSTRUCTION-
Based on rental or other income information and construction priorities (Economic analysis shy
ability to repay)
4 PREPARE WORKING DRAWINGS-
Per yard with specifications
i) general conditions ii) special conditions
iii) list of materials local and imported
5 PREPARE CONTIACT PACKAGES -
For Tender or Negotiation
6 TENDER OR NEGOTIATE CONTRACT
7 PREPARE CONSTRUCTION CONTRACT amp EXECUTE-
Specify Format
8 CONTRACT SCHEDULE
9 INSPECTION amp MONITORING OF CONSTRUCTION
10 RECOgt1END INTERIM PAYIMiENTS
11 CLOSE OUT CONSTRUCTION
12 RECOKIEND FINAL PAYMENT-
After Retention Period of 28 days
rianicinC Acf~ vff icAqu1vd (1 Loan lVoguan
Activities ake Woita a4ea the det~intiaUons aie madec )Lega)L(Uflg the Aeciplent 06 the Loan and pcuton 04 9~oup tcpo~iibUc doampL Acjpaytnt Key to 4-iNallCiatWCOLIZ pCaii-i6 kniowing att the activtiesC kCctLed
1 Idcinuiy ap)Ccait (puon oIL peOi_ csiinb 6op ya id Tlurke aI~e at Ceast thace (3) poui~fa~ mmhip~z ot tenant pa-ttc-w whi~ch couLCd bec Ampo2ns ibt 6oi assiunn the 61uancWa LcsponJ1(LZUus~ 06 homec ipaouIUCIIL Coui Ini tiC Ca-sCZ 06 flec ind4iet) aged ot Govealtment acztcwLampe Wa4aiicact5 aAe necCezsaa)LYf to
2 Vetuuine the uigih~t -to entcI into a binctbi9 contAnc-t 601L tepayjshymcnt and ownu~tsh1 O4 cont)Lof 06I yjaid o Jle)ie
3 I ncome detchm Lnation - deemnj ine and ve4i6yJ otuicc o6 incomre Whe~tIze XI-L0L9( cmpfoymoiut vc61~ ca ti 4Ientat inrme wi th appicopltiUe baze CVL1aicents -to veii6y] Lents liaubts ( csetz)
4 Vcete~unuiie abitity kep4ay - poocems Cean apication on Zean teo0ld AM Docemin dWposable incomne aga-tinst uapoutt 6tonR~ehab iLtUatio n Sec-tion on a imoptov~cmecnt detaiZas ouu ASicwAed (nlounOLt Vi~posnt - ImaxAitiuim Loan cvwitaut ComipLtcd
5 1Uoti y Rehab Sgc-t~on o6 amonoit tentatampcdy appLoved
6 Nottc(e Seltevh Schiv~cc - ~submit~ppIe1tiviinaiJ docunncitz with SLuppmLting data
7 Execute Loan ajppic~zion (I appkove Zoan conttac-t
8 Issue niobiLPzaitioni kc (che -to ColtIac-toi
9 Apvo~vc in-Lot~m payuints based on ccntf6 catiou 6ov WeAS
10 Chaing e oh dcs oa6 oil contulac-t atutholizatiol
11 Sulblli~ 6(iat COOPtwCt doc(enlt6 to SCNCL SCAice basecd on7 Coluvf onl Ccii cate 06~ WOUIin MOOc - issui 6IVA paymenrt appiovatC 6oai job I I Izowttdc1 on Vtaun un iia Znong11 tuii Loan with OWncuteuwJtt and SetlCA Seaiice
1 fRCqCLC5t made 2 Recquest aiicCy4cc1 3 Sftaiu~l 0 ACque4-)t
IlnobU~iza-tioji 6ccm-~s
4 5 To~iiL cfunufa tive
TzadczAn~U Iao anid Sc Cte Scv cc 3 7l5sae muid lmiii LW(12 palplic11(tCCh t~ijc0C4 Putchaw5c oqdeAi6 and iiLct o6 goot5 Lqw~5 7sMtc pajawn ts to couzactc- 6o- dcnmo-Uxonl6 AwipLe aymnint6 to cctaftj oi tic 66nihcd 7 Maintaini invi~toy and stock coltntot
NATIONAL URBAN UPGRADING PROGRAMME
DRAFT WORK PLAN - PHYSICAL GUIDELINES FOR EACH PROJECT AREA
PHYSICAL PLANNING
1 OVERALL BOUNDARY MP-
Prepare in house using input from Town Planning Department Sites and Services or Windshield Survey
2 PREPARE MAP amp PRELIMINARY PLAN-
According to specifications from MOH
3 DECLARE AREA UNDER MOH LAWS
4 REVIEW AND ANALYSE EXISTING CONDITIONS
5 REVIEW FACILITIES AND SET PLANNING OBJECTIVES-
Public sewer water electrical services streets sidewalks community facilities commercial development demolition and construction of new housing transitional centre temporary housing
Select necessary contractors or consultants to survey area where inadequate Government surveys are available
6 DETERMMINE AND RECOMMEND ALL IMPROVEMENTS -
Demolitions and construction to meet physical and social objectives of the Programme Input required from Sociologist amp Physical Planner
7 ESTIMATE OF COST FOR ALL ABOVE-
Submit to Financial Controller
8 PREPARE FINAL PLAN-
With aboveand all improvements to yards submit to Minister of Housing for declaration of Area for review
9 SLPERVISE AND MONITOR EXECUTION OF PLAN
NTIOAL URBAN UPCRADTNG PROGRA2
DAF WOLK PLAN - 8fiSICAL GUIDELIES
_________________PUNIG
2 RPAM amp PR-ZLTXN~ARY PLAS
3 -LA RFA NDE- XOPMI LAWS
4AALYSE EXISTING
FOR EACH PROJECT AREA
23 314 I
l __ __f
51 6 7
__ __
8I9
I
10nl
r
r
FIO=S112113 14 15
1
__I__ 1-7
16liii
17 18
RE FACILITIES amp SET PL
o___ __-___I
6DZErYINE amp ECO21D ALL
NING
1_ fII
-F-__---
i __ _
7
_ I i i i
17 ESTIKA7 COST i I I
JJJ 3179
Socio-Economic - Activities required for Target Area
1 Preliminary indentification of area based on inpllt from
census chart Windshield surveys tgeneral knowledge
about major urban areas - time frame expected shy
mon th s
2 Train enumerators Select and train local groups to
conduct surveys of each project area The period of
training is normally one week while the selecting and
recruitment may take as long as one month
3 Start Socio-Economic survey - expected time frame less
than one month for collecting raw data
4 Preliminary data extracted and submitted to Rehabilitation
Coordinator ie income rentals ownership patterns
number of premises with special needs (the problem of
securing adequate information on income ofowner has been
identified but no-workable solution has been found The
exploration of alternative approaches to this problem is
critical to development
5 Coding information from surveys - todate this process
has been accomplished by hand Although providing additional
labor input for the program this process is time consuming
and thoughts should be given toward developing precoded
surveys
6 Socio-Economic Profile developed
7 Analysis and recommendations An assessment of and
establishing criteria for cojnmu1nit-y facilities and
services for the project area List new or improved
services need ie required seats for various school
categories health facilities (need for basic clinic or
other categories) In assessing delivery of services to
the community - ie how can services be improved shy
funds staffing location is better government coordinashy
tion required Can the unit participate in joint planning
with agency responsible for delivering the services at
what functional level does the unit relate to external
agencies
8 Develop Plans Liase with Community Coordinator physical
Planner and other governmental and private agencies to
develop overall plan (social) for target area
9 Assist in implementing plan
a) Assess survey and survey techniques to determine if
data provided methods used are adequate to provide
information required thefor program
b) Informational resources to Community Coordinator and
Field Personnel
c) Monitoring and evaluation of field staff
r- 13 Vl AO QILIN
CD
ELLU-t
S
cj
LP
Cz
UlMilloti
---- --
__ __ _ __ __ __ ___ __ __ __ __
NATIONAL UBAN UPCRADING PROGRAy
CONSTUCTION ACTIVITIES IOT PLAN
I I ONTPS
3 4 F5 6 71 2 8 9 1o 11 12 1 14 15 1 17 18
E DOV - Samp COSTD T--- flR- CO STRUCTIO N I k---I - - - ----- -- - I IiI ~___ _ o~t DIV G -[EAR I II--- II 1ff
5 R-E- COTsRCTO c-ACzAc-rc ---- OR__ A I II
12 or ii j Ij ~ ~ i ishy rT-
TA CT SC u --iI I I I I 9 c O ~ T R s c F c s n c OI A T I I0RE ZE~ D EIP IJ [ I_ _ __ _ __ _ __ _-----__ _ __ _ _ _
mcr 12 -~J-c i
- IJ~~s-16 M4A9
p -Z as i
_________
NATIONAL URBAN UPGRADING PROGRANE
13 v I Y I t8 7
__0MNTHS[2 1 I I 13 4 5 6 9 o0_ 1 12 114 15 1 6 17 18__ _ _ _ __I _ __ __ _ _ __ __ __
(r _LI _ I | - _ _ __ _ _ _ __ _ _ _ _ I ____
Q L IQ MMamp__ t Or _ _ __ _I tI F I I 1 1 - ____ f
NATIONAL URBAN UPGRADING PROGRAMME
3112 7 _0
ONTHS
12 13 14 15 16 17 18
1
I J
F I
I_
_ __
_ ___ _ _ _ __ _ _ __
_ _ _ _ _ _ _ _ _ __
t -
ANNEX A CSTRUCTdC dCOST VARIOUS LOAN -OUNT AT 12 PER ANU 14ONTHLv DAY NTS YEARS amp
C -jTc C SLO ICO amp PERCENTAGE OF INCO-NDT(R ACARDLESS OF SOUCE)
CQ=Plete Enclosure for Kitchen
with sink - 10 - 1 0 -8s X 8
x8 6 x a
Sanitary F-riilities6 fixtures at S23001
i e -oile t _ (2 )Lavatr7 (2)
Shoer (27 Lineas
2500 0020000
200000 160000
16a000
luo0 L2 Lini
Ft Ft
100000
200000
3C000
400000
5C0000
5 vrs jo vrs
14 32223 1435
4449 2870
6674 4305
889s 5739
11123 7174
-
15vrs1c_00
1201
2401
3601
4801
6001
20 vrs(Hosic-
Act0)225 1102 5000
2203 1000
0
3304 15000
4405
20
1000
000
2000
3000
3500
25
1250
250
2500
3-750
4175
50 75
3500 3750
3500 750
3SO90 7500
750o ]125C
850 13425 61 5506 200 0 400 5C0I0050
Shower Star
Ro (Peair]
3x4j 150000
600000
700000
13347 8609
15572 1C29
7202
8402
6607
7708
Z--130 per sq ft
Paving (Yar - area 100per sq ft Stand Pipe poundsu_
6000 10000 COmplete
A vorage CO StcAverag- -Stc ee c-a-
ya d witn e ~ ~~ ~j T o meet t h e mi nim=um u e ts o a ty c l
mwieur estarird- revqtn a total consirdenti oncost of approxi-7ate- 4 49 which would necessitate
Montly payments f a-roxl-aelv S5 r year period for a 20
The lanquage in up to 20 years tc
-ec--ing Act gives a period r repa- for compulsory work
Attachment 2
FOUNDATION FOR COCPERATIVE HOUSING 2101 L STREET NW WASHINGTON DC 20037 bull (202) 857-4100
To James Tucker Director DATE September 28 1978
FROM Jesse Jones FCH
SUBTECT Overall Plan for Each Area
This memo is an extention of my previously suggested draft plan for developing the upgrading plan for specific areas and should be considered as a working document to assist the Unit in definshy
the ingphysical planning process This memo also attempts to pinshypoint graphically the total community concept
The layout or graphic display selected may vary but the essential point is to provide in a Central location a visual display of the area which could include
A) Description of upgrading area
1 Boundaries with a clear defined landuse map
a) Housing
b) Comrmercial
c) Industries (small shops)
d) Vacant buildings and land
2 Public institutions and Community Facilities Map
a) Government Offices - Local Representatives
b) Police stations
c) Post office
d) Public library
e) Health Clinics or hospital
f) Schools i) Basic ii) Day Care
iii) Secondary iv) Trade Training Center
g) Home for Elderly
h) Recreation facilities i) Play Field ii) Park
2
~M E M 0 R A N DUMIFH DATE
TO
FROM
SUBJECT
3 1
~1~-~j~udi
t
t _[UMM R N U ME 0 A D
F0DATE 2 ~7
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FROM
SUBJECT
fu
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I A
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-LL zIT s Nlth rfC
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--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
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L4icLStE am shy CI If
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-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
-2-
IV Program Status
All three subprograms are behind the projected financial and
construction schedules As of the end of the reporting period for
example no loans had been made for subprogram I urban upgrading nor
subprogram III rural home improvement loans In an attempt to remedy
some of the organizational and management problems of subprogram I
the Government of (GOJ) designated that the MOH would be
responsible for it rather than the Ministry of Local Government The
JCCUL requested FCH assistance in analysing the communication needs
for subprogram III in an effort to better promote and develop it
The MOH commenced construction on two projects under subprogram II
The MOH is currently developing additional squatter improvement projects
that are scheduled to be presented for apprival in June 1979
The recent increases in the cost of construction estimated to be
50 and the rate of inflation estimated between 40 to 50 annually
have effected all three subprograms The design of each subprogram
taking into account what the target group can afford is being reviewed
by the responsible institution
V Project Status
In accordance with the current OPG Agreement FCH is to provide
assistance in specific areas to the Jamaican institutions and their
respective subprograms as follows
A Ministry of Local Government (MLG) Subprogram I Urban Upgrading
(This subprogram is now the responsibility of the MOH as of March 1979
1 The development of guidelines for the urban plan taking into
account the physical economic and social data of the target population
-3shy
and the urban center where the project is located
Mr Jesse Jones Jr the FCH Resident Technician assisted the
National Urban Upgrading Unit (NUUU) to develop operational guidelines
such as Attachments 1 and 2
(Note The NUUU was transfered from the ML1O to the MOH with the
GOJ assigning the responsibility of subprogram I to the MOH)
2 The development of guidelines for financial management to
(a)maximize the utilization of the funds available to the overall
program (b)to streamline the flow of funds from the financial
institutions to the project beneficiaries in order to maximize the
number of units improved and constructed and (c)maximize inter-minsterial
coordination for providing resources to increase the delivery of social
services to the areas
The FCH Resident Technician assisted the NUUU develop financial
materials and criteria for the subprogram such as Attachment 3
3 The development of guidelines for the review and evaluation of
socio-economic surveys to identify (a)employment generating activities
(b) the need for job training rpograms and (c) income improvement
opportunities
Because of the November 1978 presence in Jamaica of a group of
AID consultants under its Integrated Improvement Program for the Urban
Poor (IIPUP) FCH was requested to postpone any action on this activity
B MOH Subprogram IISquatter Improvement
1 The development of communication guidelines for promoting and
explaining the program
-4shy
2 The development and preparation of training guidelines and
material to educate the project social services staff in the use of
the communications guidelines
3 Preparation of material to train the social service staff to
educate the project beneficiaries in the nature of the program community
participation and their roles in the program
FCH consultant Dr Anthony Fisher was in Jamaica in November and
December 1978 and January and February 1979 for a total of eight weeks
to undertake the above work Copies of Dr Fishers reports were
distributed by FCII to all interested parties for their information
C JCCUL - Subprogram III Rural Home Improvement Loans
I Develop parameters for the rural home improvement loan
program
FCH provided this assistance in April 1978
2 Develop forms for the review and approval ot loan applications
for the program
FCH was advised that this type of assistance was not needed and
requested assistance in communications (Attachment 4 and 5) FCH contracted
Dr Fisher to spend approximately five weeks in Jamaica to analyse the
communication needs of the JCCUL and to affiliated rural credit unions
for the program Dr Fisher arrived in Jamaica in mid-April to initiate
his assignment
VI OPG Agreement Amendment
In April Mr Dick Owens FCH Project Manager Jamaica OPG visited
-5-
Jamaica to discuss the role of Mr Jones FCH Resident Technician as the
result of the transfer by the GOH of the responsibility of Subprogram I
to the MOH As the result of his visit a draft OPG Agreement Amendment
was prepared (Attachment 6) The Amendment was agreed to in principle
by the different parties and is to be finalized and signed
The main changes reflected in the Amendment include the following
1 The transfer of the responsibility for subprogram I from the MLG
to the MOH
2 The FCH Resident Technician will be assigned to the JMB instead
of the MLG The FCH Resident Techncian will assist the JMB to monitor
and to coordinate the efforts of the MOH and the JCCUL in the planning
programming implementation and management of their respective subprograms
3 The FCH assistance to the MLG now the MOH in the area of employshy
ment generation was eliminated at the request of the MOH
4 The JCCUL request for assistance in communications was included
in the Amendment
Attachment 1
Notes and Forms for Assessing
the Status of the Program and Developing
a Comprehensive Work Plan
Drafted by Jesse Jones
and
Submitted to the Following
1 Permanent Secretary MLG
2 James Tucker
3 NUUU Staff
4 David Levermore JMB
1 Construction Activities and Work Plan
2 Financial Activities and Work Pian
3 Physical Planning Activities and Work Plan
4 Sociological Activities
5 Flow Chart of Activities for Willing Owners
6 Sample Work Plan for Rehab Activities
7 Flow Chart For Unwilling Owners
8 6raft Work Plan
9 Sample Cost and Loan Information
10 Blank 18 Month Time Chart
Following the suggestions I made in my report of October and
numerous discussions since May that the entire senior staff
participate in specific meetingsto develop a mapping system
or work plan in each work area attached is a series of
draft documents to facilitate that process and also provide
the unit with a tool for assessing where the unit is today
in terms of beginningconstruction
V
In each work area I have listed most of the activities
required to plan implement and to evaluate the progress of
each department in its attempt at reaching the goals of the
program The list is by no means exhaustive In the October
report I made specific reference to the development of the
work plan which could assist the unit in clarifying staff
responsibilities and in specifying and scheduling the person(s)
-2shy
responsible for outstanding issues Central to making the
work plan workable is agreement on the critical requirements
of the program and how staff rcPs relate to each
other a-34 assuming staff responsibilityand in the same
context would be better position to maintain overall control
and determine policy if he participated in the process of
determining the activities listed in each area
After agreeing on the above activities each staff member
individually and collectively could list and define the
resources and time required to accomplish particular task
Since the program has already has a period operation for
planning and many of the actual surveys have been completed
the staff is in a better position to evaluate the work
completed to date and project the actual time requirement
for various activities which remain incomplete
In the Financial Activities Chart I have also listed some of
the forms required for the loan program as well as some of
the itQms which should be included in a monthly reporting
system T circulated an earlier reporting format for reporting
construction activities and it is enclosed for reading
references
Note One apparent problem plaguing the planning and rehabishy
litation section has been the lack of clearly defined areas
dh
-3 shy
of responsibility for each section which has resulted in
duplication of efforts The planning Iand implementation
activities are clearly separated on the attached format
The listing of activities in each area can also serve as
a guide for assigning staff responsibility and avoiding
unnecessary duplication
Chart
Time chart format only covelan an 18 month period and can
be easily modified or adjusted as revised
In Appendix 1 of methodology ie staff responsibilities
re physical improvements arewere established with the
linkages between the national office and each project office
with corresponding responsibilities The activities chart
does not divide the required activities Determining who
when and how the field staff will interrelate is also a
feasible required aspect of developing the acitivities chart
and assigning various responsibilities
Again the organizational linkages in the unit project level
and external agencies have been discussed but not clarified
Each internal and external agencies should listed andbe staff
assigned accordingly he attached flow chart which was
discussed in the January 10 staff meeting clearly shows that
- 4 shy
the bottlenecks is at level 3 (iedefining willing and
unwilling owners) and until such time stage 3 is qualified
it will be impossible to give an realistic assessment of
project cost and construction period required
The data to date indicates that earlier projection no longer
valid A limiting factor was the size and place of the survey
(Kingston) Again the execution phase is dependent on
establishing and meeting the requirements of the law or using
the estimators to concentrate on obtaining financial informashy
tion in order to determine how much will be spent in each
yard
The Flow Chart of unwilling owners clearly indicates that
without sufficient information on the requirements of the
Housing Law the unit cannot progress pass the seventh (7th)
step Once the Plan is accepted and datlared by the Ministry
of Housing there are additional time constraints and periods
of compliance or non compliance by the owner(s) or persons
responsible for collecting the rent for each premises
NATIONAL URBAN UPGRADING PROGRV1E
CONSTRUCTION ACTIVITIES AND WORK PLAN
CONSTRUCTION ACTIVITIES
1 PHYSICAL SURVEYS- All yards Identify all existing health and safety
conditions measure of building lot size and site plan
2 DETERMINE ALL REQUIRED IFiROVEENTS amp COST
3 EVALUATE amp DETERMINE MINIMUM CONSTRUCTION-
Based on rental or other income information and construction priorities (Economic analysis shy
ability to repay)
4 PREPARE WORKING DRAWINGS-
Per yard with specifications
i) general conditions ii) special conditions
iii) list of materials local and imported
5 PREPARE CONTIACT PACKAGES -
For Tender or Negotiation
6 TENDER OR NEGOTIATE CONTRACT
7 PREPARE CONSTRUCTION CONTRACT amp EXECUTE-
Specify Format
8 CONTRACT SCHEDULE
9 INSPECTION amp MONITORING OF CONSTRUCTION
10 RECOgt1END INTERIM PAYIMiENTS
11 CLOSE OUT CONSTRUCTION
12 RECOKIEND FINAL PAYMENT-
After Retention Period of 28 days
rianicinC Acf~ vff icAqu1vd (1 Loan lVoguan
Activities ake Woita a4ea the det~intiaUons aie madec )Lega)L(Uflg the Aeciplent 06 the Loan and pcuton 04 9~oup tcpo~iibUc doampL Acjpaytnt Key to 4-iNallCiatWCOLIZ pCaii-i6 kniowing att the activtiesC kCctLed
1 Idcinuiy ap)Ccait (puon oIL peOi_ csiinb 6op ya id Tlurke aI~e at Ceast thace (3) poui~fa~ mmhip~z ot tenant pa-ttc-w whi~ch couLCd bec Ampo2ns ibt 6oi assiunn the 61uancWa LcsponJ1(LZUus~ 06 homec ipaouIUCIIL Coui Ini tiC Ca-sCZ 06 flec ind4iet) aged ot Govealtment acztcwLampe Wa4aiicact5 aAe necCezsaa)LYf to
2 Vetuuine the uigih~t -to entcI into a binctbi9 contAnc-t 601L tepayjshymcnt and ownu~tsh1 O4 cont)Lof 06I yjaid o Jle)ie
3 I ncome detchm Lnation - deemnj ine and ve4i6yJ otuicc o6 incomre Whe~tIze XI-L0L9( cmpfoymoiut vc61~ ca ti 4Ientat inrme wi th appicopltiUe baze CVL1aicents -to veii6y] Lents liaubts ( csetz)
4 Vcete~unuiie abitity kep4ay - poocems Cean apication on Zean teo0ld AM Docemin dWposable incomne aga-tinst uapoutt 6tonR~ehab iLtUatio n Sec-tion on a imoptov~cmecnt detaiZas ouu ASicwAed (nlounOLt Vi~posnt - ImaxAitiuim Loan cvwitaut ComipLtcd
5 1Uoti y Rehab Sgc-t~on o6 amonoit tentatampcdy appLoved
6 Nottc(e Seltevh Schiv~cc - ~submit~ppIe1tiviinaiJ docunncitz with SLuppmLting data
7 Execute Loan ajppic~zion (I appkove Zoan conttac-t
8 Issue niobiLPzaitioni kc (che -to ColtIac-toi
9 Apvo~vc in-Lot~m payuints based on ccntf6 catiou 6ov WeAS
10 Chaing e oh dcs oa6 oil contulac-t atutholizatiol
11 Sulblli~ 6(iat COOPtwCt doc(enlt6 to SCNCL SCAice basecd on7 Coluvf onl Ccii cate 06~ WOUIin MOOc - issui 6IVA paymenrt appiovatC 6oai job I I Izowttdc1 on Vtaun un iia Znong11 tuii Loan with OWncuteuwJtt and SetlCA Seaiice
1 fRCqCLC5t made 2 Recquest aiicCy4cc1 3 Sftaiu~l 0 ACque4-)t
IlnobU~iza-tioji 6ccm-~s
4 5 To~iiL cfunufa tive
TzadczAn~U Iao anid Sc Cte Scv cc 3 7l5sae muid lmiii LW(12 palplic11(tCCh t~ijc0C4 Putchaw5c oqdeAi6 and iiLct o6 goot5 Lqw~5 7sMtc pajawn ts to couzactc- 6o- dcnmo-Uxonl6 AwipLe aymnint6 to cctaftj oi tic 66nihcd 7 Maintaini invi~toy and stock coltntot
NATIONAL URBAN UPGRADING PROGRAMME
DRAFT WORK PLAN - PHYSICAL GUIDELINES FOR EACH PROJECT AREA
PHYSICAL PLANNING
1 OVERALL BOUNDARY MP-
Prepare in house using input from Town Planning Department Sites and Services or Windshield Survey
2 PREPARE MAP amp PRELIMINARY PLAN-
According to specifications from MOH
3 DECLARE AREA UNDER MOH LAWS
4 REVIEW AND ANALYSE EXISTING CONDITIONS
5 REVIEW FACILITIES AND SET PLANNING OBJECTIVES-
Public sewer water electrical services streets sidewalks community facilities commercial development demolition and construction of new housing transitional centre temporary housing
Select necessary contractors or consultants to survey area where inadequate Government surveys are available
6 DETERMMINE AND RECOMMEND ALL IMPROVEMENTS -
Demolitions and construction to meet physical and social objectives of the Programme Input required from Sociologist amp Physical Planner
7 ESTIMATE OF COST FOR ALL ABOVE-
Submit to Financial Controller
8 PREPARE FINAL PLAN-
With aboveand all improvements to yards submit to Minister of Housing for declaration of Area for review
9 SLPERVISE AND MONITOR EXECUTION OF PLAN
NTIOAL URBAN UPCRADTNG PROGRA2
DAF WOLK PLAN - 8fiSICAL GUIDELIES
_________________PUNIG
2 RPAM amp PR-ZLTXN~ARY PLAS
3 -LA RFA NDE- XOPMI LAWS
4AALYSE EXISTING
FOR EACH PROJECT AREA
23 314 I
l __ __f
51 6 7
__ __
8I9
I
10nl
r
r
FIO=S112113 14 15
1
__I__ 1-7
16liii
17 18
RE FACILITIES amp SET PL
o___ __-___I
6DZErYINE amp ECO21D ALL
NING
1_ fII
-F-__---
i __ _
7
_ I i i i
17 ESTIKA7 COST i I I
JJJ 3179
Socio-Economic - Activities required for Target Area
1 Preliminary indentification of area based on inpllt from
census chart Windshield surveys tgeneral knowledge
about major urban areas - time frame expected shy
mon th s
2 Train enumerators Select and train local groups to
conduct surveys of each project area The period of
training is normally one week while the selecting and
recruitment may take as long as one month
3 Start Socio-Economic survey - expected time frame less
than one month for collecting raw data
4 Preliminary data extracted and submitted to Rehabilitation
Coordinator ie income rentals ownership patterns
number of premises with special needs (the problem of
securing adequate information on income ofowner has been
identified but no-workable solution has been found The
exploration of alternative approaches to this problem is
critical to development
5 Coding information from surveys - todate this process
has been accomplished by hand Although providing additional
labor input for the program this process is time consuming
and thoughts should be given toward developing precoded
surveys
6 Socio-Economic Profile developed
7 Analysis and recommendations An assessment of and
establishing criteria for cojnmu1nit-y facilities and
services for the project area List new or improved
services need ie required seats for various school
categories health facilities (need for basic clinic or
other categories) In assessing delivery of services to
the community - ie how can services be improved shy
funds staffing location is better government coordinashy
tion required Can the unit participate in joint planning
with agency responsible for delivering the services at
what functional level does the unit relate to external
agencies
8 Develop Plans Liase with Community Coordinator physical
Planner and other governmental and private agencies to
develop overall plan (social) for target area
9 Assist in implementing plan
a) Assess survey and survey techniques to determine if
data provided methods used are adequate to provide
information required thefor program
b) Informational resources to Community Coordinator and
Field Personnel
c) Monitoring and evaluation of field staff
r- 13 Vl AO QILIN
CD
ELLU-t
S
cj
LP
Cz
UlMilloti
---- --
__ __ _ __ __ __ ___ __ __ __ __
NATIONAL UBAN UPCRADING PROGRAy
CONSTUCTION ACTIVITIES IOT PLAN
I I ONTPS
3 4 F5 6 71 2 8 9 1o 11 12 1 14 15 1 17 18
E DOV - Samp COSTD T--- flR- CO STRUCTIO N I k---I - - - ----- -- - I IiI ~___ _ o~t DIV G -[EAR I II--- II 1ff
5 R-E- COTsRCTO c-ACzAc-rc ---- OR__ A I II
12 or ii j Ij ~ ~ i ishy rT-
TA CT SC u --iI I I I I 9 c O ~ T R s c F c s n c OI A T I I0RE ZE~ D EIP IJ [ I_ _ __ _ __ _ __ _-----__ _ __ _ _ _
mcr 12 -~J-c i
- IJ~~s-16 M4A9
p -Z as i
_________
NATIONAL URBAN UPGRADING PROGRANE
13 v I Y I t8 7
__0MNTHS[2 1 I I 13 4 5 6 9 o0_ 1 12 114 15 1 6 17 18__ _ _ _ __I _ __ __ _ _ __ __ __
(r _LI _ I | - _ _ __ _ _ _ __ _ _ _ _ I ____
Q L IQ MMamp__ t Or _ _ __ _I tI F I I 1 1 - ____ f
NATIONAL URBAN UPGRADING PROGRAMME
3112 7 _0
ONTHS
12 13 14 15 16 17 18
1
I J
F I
I_
_ __
_ ___ _ _ _ __ _ _ __
_ _ _ _ _ _ _ _ _ __
t -
ANNEX A CSTRUCTdC dCOST VARIOUS LOAN -OUNT AT 12 PER ANU 14ONTHLv DAY NTS YEARS amp
C -jTc C SLO ICO amp PERCENTAGE OF INCO-NDT(R ACARDLESS OF SOUCE)
CQ=Plete Enclosure for Kitchen
with sink - 10 - 1 0 -8s X 8
x8 6 x a
Sanitary F-riilities6 fixtures at S23001
i e -oile t _ (2 )Lavatr7 (2)
Shoer (27 Lineas
2500 0020000
200000 160000
16a000
luo0 L2 Lini
Ft Ft
100000
200000
3C000
400000
5C0000
5 vrs jo vrs
14 32223 1435
4449 2870
6674 4305
889s 5739
11123 7174
-
15vrs1c_00
1201
2401
3601
4801
6001
20 vrs(Hosic-
Act0)225 1102 5000
2203 1000
0
3304 15000
4405
20
1000
000
2000
3000
3500
25
1250
250
2500
3-750
4175
50 75
3500 3750
3500 750
3SO90 7500
750o ]125C
850 13425 61 5506 200 0 400 5C0I0050
Shower Star
Ro (Peair]
3x4j 150000
600000
700000
13347 8609
15572 1C29
7202
8402
6607
7708
Z--130 per sq ft
Paving (Yar - area 100per sq ft Stand Pipe poundsu_
6000 10000 COmplete
A vorage CO StcAverag- -Stc ee c-a-
ya d witn e ~ ~~ ~j T o meet t h e mi nim=um u e ts o a ty c l
mwieur estarird- revqtn a total consirdenti oncost of approxi-7ate- 4 49 which would necessitate
Montly payments f a-roxl-aelv S5 r year period for a 20
The lanquage in up to 20 years tc
-ec--ing Act gives a period r repa- for compulsory work
Attachment 2
FOUNDATION FOR COCPERATIVE HOUSING 2101 L STREET NW WASHINGTON DC 20037 bull (202) 857-4100
To James Tucker Director DATE September 28 1978
FROM Jesse Jones FCH
SUBTECT Overall Plan for Each Area
This memo is an extention of my previously suggested draft plan for developing the upgrading plan for specific areas and should be considered as a working document to assist the Unit in definshy
the ingphysical planning process This memo also attempts to pinshypoint graphically the total community concept
The layout or graphic display selected may vary but the essential point is to provide in a Central location a visual display of the area which could include
A) Description of upgrading area
1 Boundaries with a clear defined landuse map
a) Housing
b) Comrmercial
c) Industries (small shops)
d) Vacant buildings and land
2 Public institutions and Community Facilities Map
a) Government Offices - Local Representatives
b) Police stations
c) Post office
d) Public library
e) Health Clinics or hospital
f) Schools i) Basic ii) Day Care
iii) Secondary iv) Trade Training Center
g) Home for Elderly
h) Recreation facilities i) Play Field ii) Park
2
~M E M 0 R A N DUMIFH DATE
TO
FROM
SUBJECT
3 1
~1~-~j~udi
t
t _[UMM R N U ME 0 A D
F0DATE 2 ~7
TO
FROM
SUBJECT
fu
L L -
L I
I A
Uf I)Tc -)
-LL zIT s Nlth rfC
i( I r(2iz 3 t
--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
C) li L c ( ltcc o
Qc C
J--
L4icLStE am shy CI If
-C ~r F~~~~DlA cL
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
-3shy
and the urban center where the project is located
Mr Jesse Jones Jr the FCH Resident Technician assisted the
National Urban Upgrading Unit (NUUU) to develop operational guidelines
such as Attachments 1 and 2
(Note The NUUU was transfered from the ML1O to the MOH with the
GOJ assigning the responsibility of subprogram I to the MOH)
2 The development of guidelines for financial management to
(a)maximize the utilization of the funds available to the overall
program (b)to streamline the flow of funds from the financial
institutions to the project beneficiaries in order to maximize the
number of units improved and constructed and (c)maximize inter-minsterial
coordination for providing resources to increase the delivery of social
services to the areas
The FCH Resident Technician assisted the NUUU develop financial
materials and criteria for the subprogram such as Attachment 3
3 The development of guidelines for the review and evaluation of
socio-economic surveys to identify (a)employment generating activities
(b) the need for job training rpograms and (c) income improvement
opportunities
Because of the November 1978 presence in Jamaica of a group of
AID consultants under its Integrated Improvement Program for the Urban
Poor (IIPUP) FCH was requested to postpone any action on this activity
B MOH Subprogram IISquatter Improvement
1 The development of communication guidelines for promoting and
explaining the program
-4shy
2 The development and preparation of training guidelines and
material to educate the project social services staff in the use of
the communications guidelines
3 Preparation of material to train the social service staff to
educate the project beneficiaries in the nature of the program community
participation and their roles in the program
FCH consultant Dr Anthony Fisher was in Jamaica in November and
December 1978 and January and February 1979 for a total of eight weeks
to undertake the above work Copies of Dr Fishers reports were
distributed by FCII to all interested parties for their information
C JCCUL - Subprogram III Rural Home Improvement Loans
I Develop parameters for the rural home improvement loan
program
FCH provided this assistance in April 1978
2 Develop forms for the review and approval ot loan applications
for the program
FCH was advised that this type of assistance was not needed and
requested assistance in communications (Attachment 4 and 5) FCH contracted
Dr Fisher to spend approximately five weeks in Jamaica to analyse the
communication needs of the JCCUL and to affiliated rural credit unions
for the program Dr Fisher arrived in Jamaica in mid-April to initiate
his assignment
VI OPG Agreement Amendment
In April Mr Dick Owens FCH Project Manager Jamaica OPG visited
-5-
Jamaica to discuss the role of Mr Jones FCH Resident Technician as the
result of the transfer by the GOH of the responsibility of Subprogram I
to the MOH As the result of his visit a draft OPG Agreement Amendment
was prepared (Attachment 6) The Amendment was agreed to in principle
by the different parties and is to be finalized and signed
The main changes reflected in the Amendment include the following
1 The transfer of the responsibility for subprogram I from the MLG
to the MOH
2 The FCH Resident Technician will be assigned to the JMB instead
of the MLG The FCH Resident Techncian will assist the JMB to monitor
and to coordinate the efforts of the MOH and the JCCUL in the planning
programming implementation and management of their respective subprograms
3 The FCH assistance to the MLG now the MOH in the area of employshy
ment generation was eliminated at the request of the MOH
4 The JCCUL request for assistance in communications was included
in the Amendment
Attachment 1
Notes and Forms for Assessing
the Status of the Program and Developing
a Comprehensive Work Plan
Drafted by Jesse Jones
and
Submitted to the Following
1 Permanent Secretary MLG
2 James Tucker
3 NUUU Staff
4 David Levermore JMB
1 Construction Activities and Work Plan
2 Financial Activities and Work Pian
3 Physical Planning Activities and Work Plan
4 Sociological Activities
5 Flow Chart of Activities for Willing Owners
6 Sample Work Plan for Rehab Activities
7 Flow Chart For Unwilling Owners
8 6raft Work Plan
9 Sample Cost and Loan Information
10 Blank 18 Month Time Chart
Following the suggestions I made in my report of October and
numerous discussions since May that the entire senior staff
participate in specific meetingsto develop a mapping system
or work plan in each work area attached is a series of
draft documents to facilitate that process and also provide
the unit with a tool for assessing where the unit is today
in terms of beginningconstruction
V
In each work area I have listed most of the activities
required to plan implement and to evaluate the progress of
each department in its attempt at reaching the goals of the
program The list is by no means exhaustive In the October
report I made specific reference to the development of the
work plan which could assist the unit in clarifying staff
responsibilities and in specifying and scheduling the person(s)
-2shy
responsible for outstanding issues Central to making the
work plan workable is agreement on the critical requirements
of the program and how staff rcPs relate to each
other a-34 assuming staff responsibilityand in the same
context would be better position to maintain overall control
and determine policy if he participated in the process of
determining the activities listed in each area
After agreeing on the above activities each staff member
individually and collectively could list and define the
resources and time required to accomplish particular task
Since the program has already has a period operation for
planning and many of the actual surveys have been completed
the staff is in a better position to evaluate the work
completed to date and project the actual time requirement
for various activities which remain incomplete
In the Financial Activities Chart I have also listed some of
the forms required for the loan program as well as some of
the itQms which should be included in a monthly reporting
system T circulated an earlier reporting format for reporting
construction activities and it is enclosed for reading
references
Note One apparent problem plaguing the planning and rehabishy
litation section has been the lack of clearly defined areas
dh
-3 shy
of responsibility for each section which has resulted in
duplication of efforts The planning Iand implementation
activities are clearly separated on the attached format
The listing of activities in each area can also serve as
a guide for assigning staff responsibility and avoiding
unnecessary duplication
Chart
Time chart format only covelan an 18 month period and can
be easily modified or adjusted as revised
In Appendix 1 of methodology ie staff responsibilities
re physical improvements arewere established with the
linkages between the national office and each project office
with corresponding responsibilities The activities chart
does not divide the required activities Determining who
when and how the field staff will interrelate is also a
feasible required aspect of developing the acitivities chart
and assigning various responsibilities
Again the organizational linkages in the unit project level
and external agencies have been discussed but not clarified
Each internal and external agencies should listed andbe staff
assigned accordingly he attached flow chart which was
discussed in the January 10 staff meeting clearly shows that
- 4 shy
the bottlenecks is at level 3 (iedefining willing and
unwilling owners) and until such time stage 3 is qualified
it will be impossible to give an realistic assessment of
project cost and construction period required
The data to date indicates that earlier projection no longer
valid A limiting factor was the size and place of the survey
(Kingston) Again the execution phase is dependent on
establishing and meeting the requirements of the law or using
the estimators to concentrate on obtaining financial informashy
tion in order to determine how much will be spent in each
yard
The Flow Chart of unwilling owners clearly indicates that
without sufficient information on the requirements of the
Housing Law the unit cannot progress pass the seventh (7th)
step Once the Plan is accepted and datlared by the Ministry
of Housing there are additional time constraints and periods
of compliance or non compliance by the owner(s) or persons
responsible for collecting the rent for each premises
NATIONAL URBAN UPGRADING PROGRV1E
CONSTRUCTION ACTIVITIES AND WORK PLAN
CONSTRUCTION ACTIVITIES
1 PHYSICAL SURVEYS- All yards Identify all existing health and safety
conditions measure of building lot size and site plan
2 DETERMINE ALL REQUIRED IFiROVEENTS amp COST
3 EVALUATE amp DETERMINE MINIMUM CONSTRUCTION-
Based on rental or other income information and construction priorities (Economic analysis shy
ability to repay)
4 PREPARE WORKING DRAWINGS-
Per yard with specifications
i) general conditions ii) special conditions
iii) list of materials local and imported
5 PREPARE CONTIACT PACKAGES -
For Tender or Negotiation
6 TENDER OR NEGOTIATE CONTRACT
7 PREPARE CONSTRUCTION CONTRACT amp EXECUTE-
Specify Format
8 CONTRACT SCHEDULE
9 INSPECTION amp MONITORING OF CONSTRUCTION
10 RECOgt1END INTERIM PAYIMiENTS
11 CLOSE OUT CONSTRUCTION
12 RECOKIEND FINAL PAYMENT-
After Retention Period of 28 days
rianicinC Acf~ vff icAqu1vd (1 Loan lVoguan
Activities ake Woita a4ea the det~intiaUons aie madec )Lega)L(Uflg the Aeciplent 06 the Loan and pcuton 04 9~oup tcpo~iibUc doampL Acjpaytnt Key to 4-iNallCiatWCOLIZ pCaii-i6 kniowing att the activtiesC kCctLed
1 Idcinuiy ap)Ccait (puon oIL peOi_ csiinb 6op ya id Tlurke aI~e at Ceast thace (3) poui~fa~ mmhip~z ot tenant pa-ttc-w whi~ch couLCd bec Ampo2ns ibt 6oi assiunn the 61uancWa LcsponJ1(LZUus~ 06 homec ipaouIUCIIL Coui Ini tiC Ca-sCZ 06 flec ind4iet) aged ot Govealtment acztcwLampe Wa4aiicact5 aAe necCezsaa)LYf to
2 Vetuuine the uigih~t -to entcI into a binctbi9 contAnc-t 601L tepayjshymcnt and ownu~tsh1 O4 cont)Lof 06I yjaid o Jle)ie
3 I ncome detchm Lnation - deemnj ine and ve4i6yJ otuicc o6 incomre Whe~tIze XI-L0L9( cmpfoymoiut vc61~ ca ti 4Ientat inrme wi th appicopltiUe baze CVL1aicents -to veii6y] Lents liaubts ( csetz)
4 Vcete~unuiie abitity kep4ay - poocems Cean apication on Zean teo0ld AM Docemin dWposable incomne aga-tinst uapoutt 6tonR~ehab iLtUatio n Sec-tion on a imoptov~cmecnt detaiZas ouu ASicwAed (nlounOLt Vi~posnt - ImaxAitiuim Loan cvwitaut ComipLtcd
5 1Uoti y Rehab Sgc-t~on o6 amonoit tentatampcdy appLoved
6 Nottc(e Seltevh Schiv~cc - ~submit~ppIe1tiviinaiJ docunncitz with SLuppmLting data
7 Execute Loan ajppic~zion (I appkove Zoan conttac-t
8 Issue niobiLPzaitioni kc (che -to ColtIac-toi
9 Apvo~vc in-Lot~m payuints based on ccntf6 catiou 6ov WeAS
10 Chaing e oh dcs oa6 oil contulac-t atutholizatiol
11 Sulblli~ 6(iat COOPtwCt doc(enlt6 to SCNCL SCAice basecd on7 Coluvf onl Ccii cate 06~ WOUIin MOOc - issui 6IVA paymenrt appiovatC 6oai job I I Izowttdc1 on Vtaun un iia Znong11 tuii Loan with OWncuteuwJtt and SetlCA Seaiice
1 fRCqCLC5t made 2 Recquest aiicCy4cc1 3 Sftaiu~l 0 ACque4-)t
IlnobU~iza-tioji 6ccm-~s
4 5 To~iiL cfunufa tive
TzadczAn~U Iao anid Sc Cte Scv cc 3 7l5sae muid lmiii LW(12 palplic11(tCCh t~ijc0C4 Putchaw5c oqdeAi6 and iiLct o6 goot5 Lqw~5 7sMtc pajawn ts to couzactc- 6o- dcnmo-Uxonl6 AwipLe aymnint6 to cctaftj oi tic 66nihcd 7 Maintaini invi~toy and stock coltntot
NATIONAL URBAN UPGRADING PROGRAMME
DRAFT WORK PLAN - PHYSICAL GUIDELINES FOR EACH PROJECT AREA
PHYSICAL PLANNING
1 OVERALL BOUNDARY MP-
Prepare in house using input from Town Planning Department Sites and Services or Windshield Survey
2 PREPARE MAP amp PRELIMINARY PLAN-
According to specifications from MOH
3 DECLARE AREA UNDER MOH LAWS
4 REVIEW AND ANALYSE EXISTING CONDITIONS
5 REVIEW FACILITIES AND SET PLANNING OBJECTIVES-
Public sewer water electrical services streets sidewalks community facilities commercial development demolition and construction of new housing transitional centre temporary housing
Select necessary contractors or consultants to survey area where inadequate Government surveys are available
6 DETERMMINE AND RECOMMEND ALL IMPROVEMENTS -
Demolitions and construction to meet physical and social objectives of the Programme Input required from Sociologist amp Physical Planner
7 ESTIMATE OF COST FOR ALL ABOVE-
Submit to Financial Controller
8 PREPARE FINAL PLAN-
With aboveand all improvements to yards submit to Minister of Housing for declaration of Area for review
9 SLPERVISE AND MONITOR EXECUTION OF PLAN
NTIOAL URBAN UPCRADTNG PROGRA2
DAF WOLK PLAN - 8fiSICAL GUIDELIES
_________________PUNIG
2 RPAM amp PR-ZLTXN~ARY PLAS
3 -LA RFA NDE- XOPMI LAWS
4AALYSE EXISTING
FOR EACH PROJECT AREA
23 314 I
l __ __f
51 6 7
__ __
8I9
I
10nl
r
r
FIO=S112113 14 15
1
__I__ 1-7
16liii
17 18
RE FACILITIES amp SET PL
o___ __-___I
6DZErYINE amp ECO21D ALL
NING
1_ fII
-F-__---
i __ _
7
_ I i i i
17 ESTIKA7 COST i I I
JJJ 3179
Socio-Economic - Activities required for Target Area
1 Preliminary indentification of area based on inpllt from
census chart Windshield surveys tgeneral knowledge
about major urban areas - time frame expected shy
mon th s
2 Train enumerators Select and train local groups to
conduct surveys of each project area The period of
training is normally one week while the selecting and
recruitment may take as long as one month
3 Start Socio-Economic survey - expected time frame less
than one month for collecting raw data
4 Preliminary data extracted and submitted to Rehabilitation
Coordinator ie income rentals ownership patterns
number of premises with special needs (the problem of
securing adequate information on income ofowner has been
identified but no-workable solution has been found The
exploration of alternative approaches to this problem is
critical to development
5 Coding information from surveys - todate this process
has been accomplished by hand Although providing additional
labor input for the program this process is time consuming
and thoughts should be given toward developing precoded
surveys
6 Socio-Economic Profile developed
7 Analysis and recommendations An assessment of and
establishing criteria for cojnmu1nit-y facilities and
services for the project area List new or improved
services need ie required seats for various school
categories health facilities (need for basic clinic or
other categories) In assessing delivery of services to
the community - ie how can services be improved shy
funds staffing location is better government coordinashy
tion required Can the unit participate in joint planning
with agency responsible for delivering the services at
what functional level does the unit relate to external
agencies
8 Develop Plans Liase with Community Coordinator physical
Planner and other governmental and private agencies to
develop overall plan (social) for target area
9 Assist in implementing plan
a) Assess survey and survey techniques to determine if
data provided methods used are adequate to provide
information required thefor program
b) Informational resources to Community Coordinator and
Field Personnel
c) Monitoring and evaluation of field staff
r- 13 Vl AO QILIN
CD
ELLU-t
S
cj
LP
Cz
UlMilloti
---- --
__ __ _ __ __ __ ___ __ __ __ __
NATIONAL UBAN UPCRADING PROGRAy
CONSTUCTION ACTIVITIES IOT PLAN
I I ONTPS
3 4 F5 6 71 2 8 9 1o 11 12 1 14 15 1 17 18
E DOV - Samp COSTD T--- flR- CO STRUCTIO N I k---I - - - ----- -- - I IiI ~___ _ o~t DIV G -[EAR I II--- II 1ff
5 R-E- COTsRCTO c-ACzAc-rc ---- OR__ A I II
12 or ii j Ij ~ ~ i ishy rT-
TA CT SC u --iI I I I I 9 c O ~ T R s c F c s n c OI A T I I0RE ZE~ D EIP IJ [ I_ _ __ _ __ _ __ _-----__ _ __ _ _ _
mcr 12 -~J-c i
- IJ~~s-16 M4A9
p -Z as i
_________
NATIONAL URBAN UPGRADING PROGRANE
13 v I Y I t8 7
__0MNTHS[2 1 I I 13 4 5 6 9 o0_ 1 12 114 15 1 6 17 18__ _ _ _ __I _ __ __ _ _ __ __ __
(r _LI _ I | - _ _ __ _ _ _ __ _ _ _ _ I ____
Q L IQ MMamp__ t Or _ _ __ _I tI F I I 1 1 - ____ f
NATIONAL URBAN UPGRADING PROGRAMME
3112 7 _0
ONTHS
12 13 14 15 16 17 18
1
I J
F I
I_
_ __
_ ___ _ _ _ __ _ _ __
_ _ _ _ _ _ _ _ _ __
t -
ANNEX A CSTRUCTdC dCOST VARIOUS LOAN -OUNT AT 12 PER ANU 14ONTHLv DAY NTS YEARS amp
C -jTc C SLO ICO amp PERCENTAGE OF INCO-NDT(R ACARDLESS OF SOUCE)
CQ=Plete Enclosure for Kitchen
with sink - 10 - 1 0 -8s X 8
x8 6 x a
Sanitary F-riilities6 fixtures at S23001
i e -oile t _ (2 )Lavatr7 (2)
Shoer (27 Lineas
2500 0020000
200000 160000
16a000
luo0 L2 Lini
Ft Ft
100000
200000
3C000
400000
5C0000
5 vrs jo vrs
14 32223 1435
4449 2870
6674 4305
889s 5739
11123 7174
-
15vrs1c_00
1201
2401
3601
4801
6001
20 vrs(Hosic-
Act0)225 1102 5000
2203 1000
0
3304 15000
4405
20
1000
000
2000
3000
3500
25
1250
250
2500
3-750
4175
50 75
3500 3750
3500 750
3SO90 7500
750o ]125C
850 13425 61 5506 200 0 400 5C0I0050
Shower Star
Ro (Peair]
3x4j 150000
600000
700000
13347 8609
15572 1C29
7202
8402
6607
7708
Z--130 per sq ft
Paving (Yar - area 100per sq ft Stand Pipe poundsu_
6000 10000 COmplete
A vorage CO StcAverag- -Stc ee c-a-
ya d witn e ~ ~~ ~j T o meet t h e mi nim=um u e ts o a ty c l
mwieur estarird- revqtn a total consirdenti oncost of approxi-7ate- 4 49 which would necessitate
Montly payments f a-roxl-aelv S5 r year period for a 20
The lanquage in up to 20 years tc
-ec--ing Act gives a period r repa- for compulsory work
Attachment 2
FOUNDATION FOR COCPERATIVE HOUSING 2101 L STREET NW WASHINGTON DC 20037 bull (202) 857-4100
To James Tucker Director DATE September 28 1978
FROM Jesse Jones FCH
SUBTECT Overall Plan for Each Area
This memo is an extention of my previously suggested draft plan for developing the upgrading plan for specific areas and should be considered as a working document to assist the Unit in definshy
the ingphysical planning process This memo also attempts to pinshypoint graphically the total community concept
The layout or graphic display selected may vary but the essential point is to provide in a Central location a visual display of the area which could include
A) Description of upgrading area
1 Boundaries with a clear defined landuse map
a) Housing
b) Comrmercial
c) Industries (small shops)
d) Vacant buildings and land
2 Public institutions and Community Facilities Map
a) Government Offices - Local Representatives
b) Police stations
c) Post office
d) Public library
e) Health Clinics or hospital
f) Schools i) Basic ii) Day Care
iii) Secondary iv) Trade Training Center
g) Home for Elderly
h) Recreation facilities i) Play Field ii) Park
2
~M E M 0 R A N DUMIFH DATE
TO
FROM
SUBJECT
3 1
~1~-~j~udi
t
t _[UMM R N U ME 0 A D
F0DATE 2 ~7
TO
FROM
SUBJECT
fu
L L -
L I
I A
Uf I)Tc -)
-LL zIT s Nlth rfC
i( I r(2iz 3 t
--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
C) li L c ( ltcc o
Qc C
J--
L4icLStE am shy CI If
-C ~r F~~~~DlA cL
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
-4shy
2 The development and preparation of training guidelines and
material to educate the project social services staff in the use of
the communications guidelines
3 Preparation of material to train the social service staff to
educate the project beneficiaries in the nature of the program community
participation and their roles in the program
FCH consultant Dr Anthony Fisher was in Jamaica in November and
December 1978 and January and February 1979 for a total of eight weeks
to undertake the above work Copies of Dr Fishers reports were
distributed by FCII to all interested parties for their information
C JCCUL - Subprogram III Rural Home Improvement Loans
I Develop parameters for the rural home improvement loan
program
FCH provided this assistance in April 1978
2 Develop forms for the review and approval ot loan applications
for the program
FCH was advised that this type of assistance was not needed and
requested assistance in communications (Attachment 4 and 5) FCH contracted
Dr Fisher to spend approximately five weeks in Jamaica to analyse the
communication needs of the JCCUL and to affiliated rural credit unions
for the program Dr Fisher arrived in Jamaica in mid-April to initiate
his assignment
VI OPG Agreement Amendment
In April Mr Dick Owens FCH Project Manager Jamaica OPG visited
-5-
Jamaica to discuss the role of Mr Jones FCH Resident Technician as the
result of the transfer by the GOH of the responsibility of Subprogram I
to the MOH As the result of his visit a draft OPG Agreement Amendment
was prepared (Attachment 6) The Amendment was agreed to in principle
by the different parties and is to be finalized and signed
The main changes reflected in the Amendment include the following
1 The transfer of the responsibility for subprogram I from the MLG
to the MOH
2 The FCH Resident Technician will be assigned to the JMB instead
of the MLG The FCH Resident Techncian will assist the JMB to monitor
and to coordinate the efforts of the MOH and the JCCUL in the planning
programming implementation and management of their respective subprograms
3 The FCH assistance to the MLG now the MOH in the area of employshy
ment generation was eliminated at the request of the MOH
4 The JCCUL request for assistance in communications was included
in the Amendment
Attachment 1
Notes and Forms for Assessing
the Status of the Program and Developing
a Comprehensive Work Plan
Drafted by Jesse Jones
and
Submitted to the Following
1 Permanent Secretary MLG
2 James Tucker
3 NUUU Staff
4 David Levermore JMB
1 Construction Activities and Work Plan
2 Financial Activities and Work Pian
3 Physical Planning Activities and Work Plan
4 Sociological Activities
5 Flow Chart of Activities for Willing Owners
6 Sample Work Plan for Rehab Activities
7 Flow Chart For Unwilling Owners
8 6raft Work Plan
9 Sample Cost and Loan Information
10 Blank 18 Month Time Chart
Following the suggestions I made in my report of October and
numerous discussions since May that the entire senior staff
participate in specific meetingsto develop a mapping system
or work plan in each work area attached is a series of
draft documents to facilitate that process and also provide
the unit with a tool for assessing where the unit is today
in terms of beginningconstruction
V
In each work area I have listed most of the activities
required to plan implement and to evaluate the progress of
each department in its attempt at reaching the goals of the
program The list is by no means exhaustive In the October
report I made specific reference to the development of the
work plan which could assist the unit in clarifying staff
responsibilities and in specifying and scheduling the person(s)
-2shy
responsible for outstanding issues Central to making the
work plan workable is agreement on the critical requirements
of the program and how staff rcPs relate to each
other a-34 assuming staff responsibilityand in the same
context would be better position to maintain overall control
and determine policy if he participated in the process of
determining the activities listed in each area
After agreeing on the above activities each staff member
individually and collectively could list and define the
resources and time required to accomplish particular task
Since the program has already has a period operation for
planning and many of the actual surveys have been completed
the staff is in a better position to evaluate the work
completed to date and project the actual time requirement
for various activities which remain incomplete
In the Financial Activities Chart I have also listed some of
the forms required for the loan program as well as some of
the itQms which should be included in a monthly reporting
system T circulated an earlier reporting format for reporting
construction activities and it is enclosed for reading
references
Note One apparent problem plaguing the planning and rehabishy
litation section has been the lack of clearly defined areas
dh
-3 shy
of responsibility for each section which has resulted in
duplication of efforts The planning Iand implementation
activities are clearly separated on the attached format
The listing of activities in each area can also serve as
a guide for assigning staff responsibility and avoiding
unnecessary duplication
Chart
Time chart format only covelan an 18 month period and can
be easily modified or adjusted as revised
In Appendix 1 of methodology ie staff responsibilities
re physical improvements arewere established with the
linkages between the national office and each project office
with corresponding responsibilities The activities chart
does not divide the required activities Determining who
when and how the field staff will interrelate is also a
feasible required aspect of developing the acitivities chart
and assigning various responsibilities
Again the organizational linkages in the unit project level
and external agencies have been discussed but not clarified
Each internal and external agencies should listed andbe staff
assigned accordingly he attached flow chart which was
discussed in the January 10 staff meeting clearly shows that
- 4 shy
the bottlenecks is at level 3 (iedefining willing and
unwilling owners) and until such time stage 3 is qualified
it will be impossible to give an realistic assessment of
project cost and construction period required
The data to date indicates that earlier projection no longer
valid A limiting factor was the size and place of the survey
(Kingston) Again the execution phase is dependent on
establishing and meeting the requirements of the law or using
the estimators to concentrate on obtaining financial informashy
tion in order to determine how much will be spent in each
yard
The Flow Chart of unwilling owners clearly indicates that
without sufficient information on the requirements of the
Housing Law the unit cannot progress pass the seventh (7th)
step Once the Plan is accepted and datlared by the Ministry
of Housing there are additional time constraints and periods
of compliance or non compliance by the owner(s) or persons
responsible for collecting the rent for each premises
NATIONAL URBAN UPGRADING PROGRV1E
CONSTRUCTION ACTIVITIES AND WORK PLAN
CONSTRUCTION ACTIVITIES
1 PHYSICAL SURVEYS- All yards Identify all existing health and safety
conditions measure of building lot size and site plan
2 DETERMINE ALL REQUIRED IFiROVEENTS amp COST
3 EVALUATE amp DETERMINE MINIMUM CONSTRUCTION-
Based on rental or other income information and construction priorities (Economic analysis shy
ability to repay)
4 PREPARE WORKING DRAWINGS-
Per yard with specifications
i) general conditions ii) special conditions
iii) list of materials local and imported
5 PREPARE CONTIACT PACKAGES -
For Tender or Negotiation
6 TENDER OR NEGOTIATE CONTRACT
7 PREPARE CONSTRUCTION CONTRACT amp EXECUTE-
Specify Format
8 CONTRACT SCHEDULE
9 INSPECTION amp MONITORING OF CONSTRUCTION
10 RECOgt1END INTERIM PAYIMiENTS
11 CLOSE OUT CONSTRUCTION
12 RECOKIEND FINAL PAYMENT-
After Retention Period of 28 days
rianicinC Acf~ vff icAqu1vd (1 Loan lVoguan
Activities ake Woita a4ea the det~intiaUons aie madec )Lega)L(Uflg the Aeciplent 06 the Loan and pcuton 04 9~oup tcpo~iibUc doampL Acjpaytnt Key to 4-iNallCiatWCOLIZ pCaii-i6 kniowing att the activtiesC kCctLed
1 Idcinuiy ap)Ccait (puon oIL peOi_ csiinb 6op ya id Tlurke aI~e at Ceast thace (3) poui~fa~ mmhip~z ot tenant pa-ttc-w whi~ch couLCd bec Ampo2ns ibt 6oi assiunn the 61uancWa LcsponJ1(LZUus~ 06 homec ipaouIUCIIL Coui Ini tiC Ca-sCZ 06 flec ind4iet) aged ot Govealtment acztcwLampe Wa4aiicact5 aAe necCezsaa)LYf to
2 Vetuuine the uigih~t -to entcI into a binctbi9 contAnc-t 601L tepayjshymcnt and ownu~tsh1 O4 cont)Lof 06I yjaid o Jle)ie
3 I ncome detchm Lnation - deemnj ine and ve4i6yJ otuicc o6 incomre Whe~tIze XI-L0L9( cmpfoymoiut vc61~ ca ti 4Ientat inrme wi th appicopltiUe baze CVL1aicents -to veii6y] Lents liaubts ( csetz)
4 Vcete~unuiie abitity kep4ay - poocems Cean apication on Zean teo0ld AM Docemin dWposable incomne aga-tinst uapoutt 6tonR~ehab iLtUatio n Sec-tion on a imoptov~cmecnt detaiZas ouu ASicwAed (nlounOLt Vi~posnt - ImaxAitiuim Loan cvwitaut ComipLtcd
5 1Uoti y Rehab Sgc-t~on o6 amonoit tentatampcdy appLoved
6 Nottc(e Seltevh Schiv~cc - ~submit~ppIe1tiviinaiJ docunncitz with SLuppmLting data
7 Execute Loan ajppic~zion (I appkove Zoan conttac-t
8 Issue niobiLPzaitioni kc (che -to ColtIac-toi
9 Apvo~vc in-Lot~m payuints based on ccntf6 catiou 6ov WeAS
10 Chaing e oh dcs oa6 oil contulac-t atutholizatiol
11 Sulblli~ 6(iat COOPtwCt doc(enlt6 to SCNCL SCAice basecd on7 Coluvf onl Ccii cate 06~ WOUIin MOOc - issui 6IVA paymenrt appiovatC 6oai job I I Izowttdc1 on Vtaun un iia Znong11 tuii Loan with OWncuteuwJtt and SetlCA Seaiice
1 fRCqCLC5t made 2 Recquest aiicCy4cc1 3 Sftaiu~l 0 ACque4-)t
IlnobU~iza-tioji 6ccm-~s
4 5 To~iiL cfunufa tive
TzadczAn~U Iao anid Sc Cte Scv cc 3 7l5sae muid lmiii LW(12 palplic11(tCCh t~ijc0C4 Putchaw5c oqdeAi6 and iiLct o6 goot5 Lqw~5 7sMtc pajawn ts to couzactc- 6o- dcnmo-Uxonl6 AwipLe aymnint6 to cctaftj oi tic 66nihcd 7 Maintaini invi~toy and stock coltntot
NATIONAL URBAN UPGRADING PROGRAMME
DRAFT WORK PLAN - PHYSICAL GUIDELINES FOR EACH PROJECT AREA
PHYSICAL PLANNING
1 OVERALL BOUNDARY MP-
Prepare in house using input from Town Planning Department Sites and Services or Windshield Survey
2 PREPARE MAP amp PRELIMINARY PLAN-
According to specifications from MOH
3 DECLARE AREA UNDER MOH LAWS
4 REVIEW AND ANALYSE EXISTING CONDITIONS
5 REVIEW FACILITIES AND SET PLANNING OBJECTIVES-
Public sewer water electrical services streets sidewalks community facilities commercial development demolition and construction of new housing transitional centre temporary housing
Select necessary contractors or consultants to survey area where inadequate Government surveys are available
6 DETERMMINE AND RECOMMEND ALL IMPROVEMENTS -
Demolitions and construction to meet physical and social objectives of the Programme Input required from Sociologist amp Physical Planner
7 ESTIMATE OF COST FOR ALL ABOVE-
Submit to Financial Controller
8 PREPARE FINAL PLAN-
With aboveand all improvements to yards submit to Minister of Housing for declaration of Area for review
9 SLPERVISE AND MONITOR EXECUTION OF PLAN
NTIOAL URBAN UPCRADTNG PROGRA2
DAF WOLK PLAN - 8fiSICAL GUIDELIES
_________________PUNIG
2 RPAM amp PR-ZLTXN~ARY PLAS
3 -LA RFA NDE- XOPMI LAWS
4AALYSE EXISTING
FOR EACH PROJECT AREA
23 314 I
l __ __f
51 6 7
__ __
8I9
I
10nl
r
r
FIO=S112113 14 15
1
__I__ 1-7
16liii
17 18
RE FACILITIES amp SET PL
o___ __-___I
6DZErYINE amp ECO21D ALL
NING
1_ fII
-F-__---
i __ _
7
_ I i i i
17 ESTIKA7 COST i I I
JJJ 3179
Socio-Economic - Activities required for Target Area
1 Preliminary indentification of area based on inpllt from
census chart Windshield surveys tgeneral knowledge
about major urban areas - time frame expected shy
mon th s
2 Train enumerators Select and train local groups to
conduct surveys of each project area The period of
training is normally one week while the selecting and
recruitment may take as long as one month
3 Start Socio-Economic survey - expected time frame less
than one month for collecting raw data
4 Preliminary data extracted and submitted to Rehabilitation
Coordinator ie income rentals ownership patterns
number of premises with special needs (the problem of
securing adequate information on income ofowner has been
identified but no-workable solution has been found The
exploration of alternative approaches to this problem is
critical to development
5 Coding information from surveys - todate this process
has been accomplished by hand Although providing additional
labor input for the program this process is time consuming
and thoughts should be given toward developing precoded
surveys
6 Socio-Economic Profile developed
7 Analysis and recommendations An assessment of and
establishing criteria for cojnmu1nit-y facilities and
services for the project area List new or improved
services need ie required seats for various school
categories health facilities (need for basic clinic or
other categories) In assessing delivery of services to
the community - ie how can services be improved shy
funds staffing location is better government coordinashy
tion required Can the unit participate in joint planning
with agency responsible for delivering the services at
what functional level does the unit relate to external
agencies
8 Develop Plans Liase with Community Coordinator physical
Planner and other governmental and private agencies to
develop overall plan (social) for target area
9 Assist in implementing plan
a) Assess survey and survey techniques to determine if
data provided methods used are adequate to provide
information required thefor program
b) Informational resources to Community Coordinator and
Field Personnel
c) Monitoring and evaluation of field staff
r- 13 Vl AO QILIN
CD
ELLU-t
S
cj
LP
Cz
UlMilloti
---- --
__ __ _ __ __ __ ___ __ __ __ __
NATIONAL UBAN UPCRADING PROGRAy
CONSTUCTION ACTIVITIES IOT PLAN
I I ONTPS
3 4 F5 6 71 2 8 9 1o 11 12 1 14 15 1 17 18
E DOV - Samp COSTD T--- flR- CO STRUCTIO N I k---I - - - ----- -- - I IiI ~___ _ o~t DIV G -[EAR I II--- II 1ff
5 R-E- COTsRCTO c-ACzAc-rc ---- OR__ A I II
12 or ii j Ij ~ ~ i ishy rT-
TA CT SC u --iI I I I I 9 c O ~ T R s c F c s n c OI A T I I0RE ZE~ D EIP IJ [ I_ _ __ _ __ _ __ _-----__ _ __ _ _ _
mcr 12 -~J-c i
- IJ~~s-16 M4A9
p -Z as i
_________
NATIONAL URBAN UPGRADING PROGRANE
13 v I Y I t8 7
__0MNTHS[2 1 I I 13 4 5 6 9 o0_ 1 12 114 15 1 6 17 18__ _ _ _ __I _ __ __ _ _ __ __ __
(r _LI _ I | - _ _ __ _ _ _ __ _ _ _ _ I ____
Q L IQ MMamp__ t Or _ _ __ _I tI F I I 1 1 - ____ f
NATIONAL URBAN UPGRADING PROGRAMME
3112 7 _0
ONTHS
12 13 14 15 16 17 18
1
I J
F I
I_
_ __
_ ___ _ _ _ __ _ _ __
_ _ _ _ _ _ _ _ _ __
t -
ANNEX A CSTRUCTdC dCOST VARIOUS LOAN -OUNT AT 12 PER ANU 14ONTHLv DAY NTS YEARS amp
C -jTc C SLO ICO amp PERCENTAGE OF INCO-NDT(R ACARDLESS OF SOUCE)
CQ=Plete Enclosure for Kitchen
with sink - 10 - 1 0 -8s X 8
x8 6 x a
Sanitary F-riilities6 fixtures at S23001
i e -oile t _ (2 )Lavatr7 (2)
Shoer (27 Lineas
2500 0020000
200000 160000
16a000
luo0 L2 Lini
Ft Ft
100000
200000
3C000
400000
5C0000
5 vrs jo vrs
14 32223 1435
4449 2870
6674 4305
889s 5739
11123 7174
-
15vrs1c_00
1201
2401
3601
4801
6001
20 vrs(Hosic-
Act0)225 1102 5000
2203 1000
0
3304 15000
4405
20
1000
000
2000
3000
3500
25
1250
250
2500
3-750
4175
50 75
3500 3750
3500 750
3SO90 7500
750o ]125C
850 13425 61 5506 200 0 400 5C0I0050
Shower Star
Ro (Peair]
3x4j 150000
600000
700000
13347 8609
15572 1C29
7202
8402
6607
7708
Z--130 per sq ft
Paving (Yar - area 100per sq ft Stand Pipe poundsu_
6000 10000 COmplete
A vorage CO StcAverag- -Stc ee c-a-
ya d witn e ~ ~~ ~j T o meet t h e mi nim=um u e ts o a ty c l
mwieur estarird- revqtn a total consirdenti oncost of approxi-7ate- 4 49 which would necessitate
Montly payments f a-roxl-aelv S5 r year period for a 20
The lanquage in up to 20 years tc
-ec--ing Act gives a period r repa- for compulsory work
Attachment 2
FOUNDATION FOR COCPERATIVE HOUSING 2101 L STREET NW WASHINGTON DC 20037 bull (202) 857-4100
To James Tucker Director DATE September 28 1978
FROM Jesse Jones FCH
SUBTECT Overall Plan for Each Area
This memo is an extention of my previously suggested draft plan for developing the upgrading plan for specific areas and should be considered as a working document to assist the Unit in definshy
the ingphysical planning process This memo also attempts to pinshypoint graphically the total community concept
The layout or graphic display selected may vary but the essential point is to provide in a Central location a visual display of the area which could include
A) Description of upgrading area
1 Boundaries with a clear defined landuse map
a) Housing
b) Comrmercial
c) Industries (small shops)
d) Vacant buildings and land
2 Public institutions and Community Facilities Map
a) Government Offices - Local Representatives
b) Police stations
c) Post office
d) Public library
e) Health Clinics or hospital
f) Schools i) Basic ii) Day Care
iii) Secondary iv) Trade Training Center
g) Home for Elderly
h) Recreation facilities i) Play Field ii) Park
2
~M E M 0 R A N DUMIFH DATE
TO
FROM
SUBJECT
3 1
~1~-~j~udi
t
t _[UMM R N U ME 0 A D
F0DATE 2 ~7
TO
FROM
SUBJECT
fu
L L -
L I
I A
Uf I)Tc -)
-LL zIT s Nlth rfC
i( I r(2iz 3 t
--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
C) li L c ( ltcc o
Qc C
J--
L4icLStE am shy CI If
-C ~r F~~~~DlA cL
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
-5-
Jamaica to discuss the role of Mr Jones FCH Resident Technician as the
result of the transfer by the GOH of the responsibility of Subprogram I
to the MOH As the result of his visit a draft OPG Agreement Amendment
was prepared (Attachment 6) The Amendment was agreed to in principle
by the different parties and is to be finalized and signed
The main changes reflected in the Amendment include the following
1 The transfer of the responsibility for subprogram I from the MLG
to the MOH
2 The FCH Resident Technician will be assigned to the JMB instead
of the MLG The FCH Resident Techncian will assist the JMB to monitor
and to coordinate the efforts of the MOH and the JCCUL in the planning
programming implementation and management of their respective subprograms
3 The FCH assistance to the MLG now the MOH in the area of employshy
ment generation was eliminated at the request of the MOH
4 The JCCUL request for assistance in communications was included
in the Amendment
Attachment 1
Notes and Forms for Assessing
the Status of the Program and Developing
a Comprehensive Work Plan
Drafted by Jesse Jones
and
Submitted to the Following
1 Permanent Secretary MLG
2 James Tucker
3 NUUU Staff
4 David Levermore JMB
1 Construction Activities and Work Plan
2 Financial Activities and Work Pian
3 Physical Planning Activities and Work Plan
4 Sociological Activities
5 Flow Chart of Activities for Willing Owners
6 Sample Work Plan for Rehab Activities
7 Flow Chart For Unwilling Owners
8 6raft Work Plan
9 Sample Cost and Loan Information
10 Blank 18 Month Time Chart
Following the suggestions I made in my report of October and
numerous discussions since May that the entire senior staff
participate in specific meetingsto develop a mapping system
or work plan in each work area attached is a series of
draft documents to facilitate that process and also provide
the unit with a tool for assessing where the unit is today
in terms of beginningconstruction
V
In each work area I have listed most of the activities
required to plan implement and to evaluate the progress of
each department in its attempt at reaching the goals of the
program The list is by no means exhaustive In the October
report I made specific reference to the development of the
work plan which could assist the unit in clarifying staff
responsibilities and in specifying and scheduling the person(s)
-2shy
responsible for outstanding issues Central to making the
work plan workable is agreement on the critical requirements
of the program and how staff rcPs relate to each
other a-34 assuming staff responsibilityand in the same
context would be better position to maintain overall control
and determine policy if he participated in the process of
determining the activities listed in each area
After agreeing on the above activities each staff member
individually and collectively could list and define the
resources and time required to accomplish particular task
Since the program has already has a period operation for
planning and many of the actual surveys have been completed
the staff is in a better position to evaluate the work
completed to date and project the actual time requirement
for various activities which remain incomplete
In the Financial Activities Chart I have also listed some of
the forms required for the loan program as well as some of
the itQms which should be included in a monthly reporting
system T circulated an earlier reporting format for reporting
construction activities and it is enclosed for reading
references
Note One apparent problem plaguing the planning and rehabishy
litation section has been the lack of clearly defined areas
dh
-3 shy
of responsibility for each section which has resulted in
duplication of efforts The planning Iand implementation
activities are clearly separated on the attached format
The listing of activities in each area can also serve as
a guide for assigning staff responsibility and avoiding
unnecessary duplication
Chart
Time chart format only covelan an 18 month period and can
be easily modified or adjusted as revised
In Appendix 1 of methodology ie staff responsibilities
re physical improvements arewere established with the
linkages between the national office and each project office
with corresponding responsibilities The activities chart
does not divide the required activities Determining who
when and how the field staff will interrelate is also a
feasible required aspect of developing the acitivities chart
and assigning various responsibilities
Again the organizational linkages in the unit project level
and external agencies have been discussed but not clarified
Each internal and external agencies should listed andbe staff
assigned accordingly he attached flow chart which was
discussed in the January 10 staff meeting clearly shows that
- 4 shy
the bottlenecks is at level 3 (iedefining willing and
unwilling owners) and until such time stage 3 is qualified
it will be impossible to give an realistic assessment of
project cost and construction period required
The data to date indicates that earlier projection no longer
valid A limiting factor was the size and place of the survey
(Kingston) Again the execution phase is dependent on
establishing and meeting the requirements of the law or using
the estimators to concentrate on obtaining financial informashy
tion in order to determine how much will be spent in each
yard
The Flow Chart of unwilling owners clearly indicates that
without sufficient information on the requirements of the
Housing Law the unit cannot progress pass the seventh (7th)
step Once the Plan is accepted and datlared by the Ministry
of Housing there are additional time constraints and periods
of compliance or non compliance by the owner(s) or persons
responsible for collecting the rent for each premises
NATIONAL URBAN UPGRADING PROGRV1E
CONSTRUCTION ACTIVITIES AND WORK PLAN
CONSTRUCTION ACTIVITIES
1 PHYSICAL SURVEYS- All yards Identify all existing health and safety
conditions measure of building lot size and site plan
2 DETERMINE ALL REQUIRED IFiROVEENTS amp COST
3 EVALUATE amp DETERMINE MINIMUM CONSTRUCTION-
Based on rental or other income information and construction priorities (Economic analysis shy
ability to repay)
4 PREPARE WORKING DRAWINGS-
Per yard with specifications
i) general conditions ii) special conditions
iii) list of materials local and imported
5 PREPARE CONTIACT PACKAGES -
For Tender or Negotiation
6 TENDER OR NEGOTIATE CONTRACT
7 PREPARE CONSTRUCTION CONTRACT amp EXECUTE-
Specify Format
8 CONTRACT SCHEDULE
9 INSPECTION amp MONITORING OF CONSTRUCTION
10 RECOgt1END INTERIM PAYIMiENTS
11 CLOSE OUT CONSTRUCTION
12 RECOKIEND FINAL PAYMENT-
After Retention Period of 28 days
rianicinC Acf~ vff icAqu1vd (1 Loan lVoguan
Activities ake Woita a4ea the det~intiaUons aie madec )Lega)L(Uflg the Aeciplent 06 the Loan and pcuton 04 9~oup tcpo~iibUc doampL Acjpaytnt Key to 4-iNallCiatWCOLIZ pCaii-i6 kniowing att the activtiesC kCctLed
1 Idcinuiy ap)Ccait (puon oIL peOi_ csiinb 6op ya id Tlurke aI~e at Ceast thace (3) poui~fa~ mmhip~z ot tenant pa-ttc-w whi~ch couLCd bec Ampo2ns ibt 6oi assiunn the 61uancWa LcsponJ1(LZUus~ 06 homec ipaouIUCIIL Coui Ini tiC Ca-sCZ 06 flec ind4iet) aged ot Govealtment acztcwLampe Wa4aiicact5 aAe necCezsaa)LYf to
2 Vetuuine the uigih~t -to entcI into a binctbi9 contAnc-t 601L tepayjshymcnt and ownu~tsh1 O4 cont)Lof 06I yjaid o Jle)ie
3 I ncome detchm Lnation - deemnj ine and ve4i6yJ otuicc o6 incomre Whe~tIze XI-L0L9( cmpfoymoiut vc61~ ca ti 4Ientat inrme wi th appicopltiUe baze CVL1aicents -to veii6y] Lents liaubts ( csetz)
4 Vcete~unuiie abitity kep4ay - poocems Cean apication on Zean teo0ld AM Docemin dWposable incomne aga-tinst uapoutt 6tonR~ehab iLtUatio n Sec-tion on a imoptov~cmecnt detaiZas ouu ASicwAed (nlounOLt Vi~posnt - ImaxAitiuim Loan cvwitaut ComipLtcd
5 1Uoti y Rehab Sgc-t~on o6 amonoit tentatampcdy appLoved
6 Nottc(e Seltevh Schiv~cc - ~submit~ppIe1tiviinaiJ docunncitz with SLuppmLting data
7 Execute Loan ajppic~zion (I appkove Zoan conttac-t
8 Issue niobiLPzaitioni kc (che -to ColtIac-toi
9 Apvo~vc in-Lot~m payuints based on ccntf6 catiou 6ov WeAS
10 Chaing e oh dcs oa6 oil contulac-t atutholizatiol
11 Sulblli~ 6(iat COOPtwCt doc(enlt6 to SCNCL SCAice basecd on7 Coluvf onl Ccii cate 06~ WOUIin MOOc - issui 6IVA paymenrt appiovatC 6oai job I I Izowttdc1 on Vtaun un iia Znong11 tuii Loan with OWncuteuwJtt and SetlCA Seaiice
1 fRCqCLC5t made 2 Recquest aiicCy4cc1 3 Sftaiu~l 0 ACque4-)t
IlnobU~iza-tioji 6ccm-~s
4 5 To~iiL cfunufa tive
TzadczAn~U Iao anid Sc Cte Scv cc 3 7l5sae muid lmiii LW(12 palplic11(tCCh t~ijc0C4 Putchaw5c oqdeAi6 and iiLct o6 goot5 Lqw~5 7sMtc pajawn ts to couzactc- 6o- dcnmo-Uxonl6 AwipLe aymnint6 to cctaftj oi tic 66nihcd 7 Maintaini invi~toy and stock coltntot
NATIONAL URBAN UPGRADING PROGRAMME
DRAFT WORK PLAN - PHYSICAL GUIDELINES FOR EACH PROJECT AREA
PHYSICAL PLANNING
1 OVERALL BOUNDARY MP-
Prepare in house using input from Town Planning Department Sites and Services or Windshield Survey
2 PREPARE MAP amp PRELIMINARY PLAN-
According to specifications from MOH
3 DECLARE AREA UNDER MOH LAWS
4 REVIEW AND ANALYSE EXISTING CONDITIONS
5 REVIEW FACILITIES AND SET PLANNING OBJECTIVES-
Public sewer water electrical services streets sidewalks community facilities commercial development demolition and construction of new housing transitional centre temporary housing
Select necessary contractors or consultants to survey area where inadequate Government surveys are available
6 DETERMMINE AND RECOMMEND ALL IMPROVEMENTS -
Demolitions and construction to meet physical and social objectives of the Programme Input required from Sociologist amp Physical Planner
7 ESTIMATE OF COST FOR ALL ABOVE-
Submit to Financial Controller
8 PREPARE FINAL PLAN-
With aboveand all improvements to yards submit to Minister of Housing for declaration of Area for review
9 SLPERVISE AND MONITOR EXECUTION OF PLAN
NTIOAL URBAN UPCRADTNG PROGRA2
DAF WOLK PLAN - 8fiSICAL GUIDELIES
_________________PUNIG
2 RPAM amp PR-ZLTXN~ARY PLAS
3 -LA RFA NDE- XOPMI LAWS
4AALYSE EXISTING
FOR EACH PROJECT AREA
23 314 I
l __ __f
51 6 7
__ __
8I9
I
10nl
r
r
FIO=S112113 14 15
1
__I__ 1-7
16liii
17 18
RE FACILITIES amp SET PL
o___ __-___I
6DZErYINE amp ECO21D ALL
NING
1_ fII
-F-__---
i __ _
7
_ I i i i
17 ESTIKA7 COST i I I
JJJ 3179
Socio-Economic - Activities required for Target Area
1 Preliminary indentification of area based on inpllt from
census chart Windshield surveys tgeneral knowledge
about major urban areas - time frame expected shy
mon th s
2 Train enumerators Select and train local groups to
conduct surveys of each project area The period of
training is normally one week while the selecting and
recruitment may take as long as one month
3 Start Socio-Economic survey - expected time frame less
than one month for collecting raw data
4 Preliminary data extracted and submitted to Rehabilitation
Coordinator ie income rentals ownership patterns
number of premises with special needs (the problem of
securing adequate information on income ofowner has been
identified but no-workable solution has been found The
exploration of alternative approaches to this problem is
critical to development
5 Coding information from surveys - todate this process
has been accomplished by hand Although providing additional
labor input for the program this process is time consuming
and thoughts should be given toward developing precoded
surveys
6 Socio-Economic Profile developed
7 Analysis and recommendations An assessment of and
establishing criteria for cojnmu1nit-y facilities and
services for the project area List new or improved
services need ie required seats for various school
categories health facilities (need for basic clinic or
other categories) In assessing delivery of services to
the community - ie how can services be improved shy
funds staffing location is better government coordinashy
tion required Can the unit participate in joint planning
with agency responsible for delivering the services at
what functional level does the unit relate to external
agencies
8 Develop Plans Liase with Community Coordinator physical
Planner and other governmental and private agencies to
develop overall plan (social) for target area
9 Assist in implementing plan
a) Assess survey and survey techniques to determine if
data provided methods used are adequate to provide
information required thefor program
b) Informational resources to Community Coordinator and
Field Personnel
c) Monitoring and evaluation of field staff
r- 13 Vl AO QILIN
CD
ELLU-t
S
cj
LP
Cz
UlMilloti
---- --
__ __ _ __ __ __ ___ __ __ __ __
NATIONAL UBAN UPCRADING PROGRAy
CONSTUCTION ACTIVITIES IOT PLAN
I I ONTPS
3 4 F5 6 71 2 8 9 1o 11 12 1 14 15 1 17 18
E DOV - Samp COSTD T--- flR- CO STRUCTIO N I k---I - - - ----- -- - I IiI ~___ _ o~t DIV G -[EAR I II--- II 1ff
5 R-E- COTsRCTO c-ACzAc-rc ---- OR__ A I II
12 or ii j Ij ~ ~ i ishy rT-
TA CT SC u --iI I I I I 9 c O ~ T R s c F c s n c OI A T I I0RE ZE~ D EIP IJ [ I_ _ __ _ __ _ __ _-----__ _ __ _ _ _
mcr 12 -~J-c i
- IJ~~s-16 M4A9
p -Z as i
_________
NATIONAL URBAN UPGRADING PROGRANE
13 v I Y I t8 7
__0MNTHS[2 1 I I 13 4 5 6 9 o0_ 1 12 114 15 1 6 17 18__ _ _ _ __I _ __ __ _ _ __ __ __
(r _LI _ I | - _ _ __ _ _ _ __ _ _ _ _ I ____
Q L IQ MMamp__ t Or _ _ __ _I tI F I I 1 1 - ____ f
NATIONAL URBAN UPGRADING PROGRAMME
3112 7 _0
ONTHS
12 13 14 15 16 17 18
1
I J
F I
I_
_ __
_ ___ _ _ _ __ _ _ __
_ _ _ _ _ _ _ _ _ __
t -
ANNEX A CSTRUCTdC dCOST VARIOUS LOAN -OUNT AT 12 PER ANU 14ONTHLv DAY NTS YEARS amp
C -jTc C SLO ICO amp PERCENTAGE OF INCO-NDT(R ACARDLESS OF SOUCE)
CQ=Plete Enclosure for Kitchen
with sink - 10 - 1 0 -8s X 8
x8 6 x a
Sanitary F-riilities6 fixtures at S23001
i e -oile t _ (2 )Lavatr7 (2)
Shoer (27 Lineas
2500 0020000
200000 160000
16a000
luo0 L2 Lini
Ft Ft
100000
200000
3C000
400000
5C0000
5 vrs jo vrs
14 32223 1435
4449 2870
6674 4305
889s 5739
11123 7174
-
15vrs1c_00
1201
2401
3601
4801
6001
20 vrs(Hosic-
Act0)225 1102 5000
2203 1000
0
3304 15000
4405
20
1000
000
2000
3000
3500
25
1250
250
2500
3-750
4175
50 75
3500 3750
3500 750
3SO90 7500
750o ]125C
850 13425 61 5506 200 0 400 5C0I0050
Shower Star
Ro (Peair]
3x4j 150000
600000
700000
13347 8609
15572 1C29
7202
8402
6607
7708
Z--130 per sq ft
Paving (Yar - area 100per sq ft Stand Pipe poundsu_
6000 10000 COmplete
A vorage CO StcAverag- -Stc ee c-a-
ya d witn e ~ ~~ ~j T o meet t h e mi nim=um u e ts o a ty c l
mwieur estarird- revqtn a total consirdenti oncost of approxi-7ate- 4 49 which would necessitate
Montly payments f a-roxl-aelv S5 r year period for a 20
The lanquage in up to 20 years tc
-ec--ing Act gives a period r repa- for compulsory work
Attachment 2
FOUNDATION FOR COCPERATIVE HOUSING 2101 L STREET NW WASHINGTON DC 20037 bull (202) 857-4100
To James Tucker Director DATE September 28 1978
FROM Jesse Jones FCH
SUBTECT Overall Plan for Each Area
This memo is an extention of my previously suggested draft plan for developing the upgrading plan for specific areas and should be considered as a working document to assist the Unit in definshy
the ingphysical planning process This memo also attempts to pinshypoint graphically the total community concept
The layout or graphic display selected may vary but the essential point is to provide in a Central location a visual display of the area which could include
A) Description of upgrading area
1 Boundaries with a clear defined landuse map
a) Housing
b) Comrmercial
c) Industries (small shops)
d) Vacant buildings and land
2 Public institutions and Community Facilities Map
a) Government Offices - Local Representatives
b) Police stations
c) Post office
d) Public library
e) Health Clinics or hospital
f) Schools i) Basic ii) Day Care
iii) Secondary iv) Trade Training Center
g) Home for Elderly
h) Recreation facilities i) Play Field ii) Park
2
~M E M 0 R A N DUMIFH DATE
TO
FROM
SUBJECT
3 1
~1~-~j~udi
t
t _[UMM R N U ME 0 A D
F0DATE 2 ~7
TO
FROM
SUBJECT
fu
L L -
L I
I A
Uf I)Tc -)
-LL zIT s Nlth rfC
i( I r(2iz 3 t
--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
C) li L c ( ltcc o
Qc C
J--
L4icLStE am shy CI If
-C ~r F~~~~DlA cL
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
Attachment 1
Notes and Forms for Assessing
the Status of the Program and Developing
a Comprehensive Work Plan
Drafted by Jesse Jones
and
Submitted to the Following
1 Permanent Secretary MLG
2 James Tucker
3 NUUU Staff
4 David Levermore JMB
1 Construction Activities and Work Plan
2 Financial Activities and Work Pian
3 Physical Planning Activities and Work Plan
4 Sociological Activities
5 Flow Chart of Activities for Willing Owners
6 Sample Work Plan for Rehab Activities
7 Flow Chart For Unwilling Owners
8 6raft Work Plan
9 Sample Cost and Loan Information
10 Blank 18 Month Time Chart
Following the suggestions I made in my report of October and
numerous discussions since May that the entire senior staff
participate in specific meetingsto develop a mapping system
or work plan in each work area attached is a series of
draft documents to facilitate that process and also provide
the unit with a tool for assessing where the unit is today
in terms of beginningconstruction
V
In each work area I have listed most of the activities
required to plan implement and to evaluate the progress of
each department in its attempt at reaching the goals of the
program The list is by no means exhaustive In the October
report I made specific reference to the development of the
work plan which could assist the unit in clarifying staff
responsibilities and in specifying and scheduling the person(s)
-2shy
responsible for outstanding issues Central to making the
work plan workable is agreement on the critical requirements
of the program and how staff rcPs relate to each
other a-34 assuming staff responsibilityand in the same
context would be better position to maintain overall control
and determine policy if he participated in the process of
determining the activities listed in each area
After agreeing on the above activities each staff member
individually and collectively could list and define the
resources and time required to accomplish particular task
Since the program has already has a period operation for
planning and many of the actual surveys have been completed
the staff is in a better position to evaluate the work
completed to date and project the actual time requirement
for various activities which remain incomplete
In the Financial Activities Chart I have also listed some of
the forms required for the loan program as well as some of
the itQms which should be included in a monthly reporting
system T circulated an earlier reporting format for reporting
construction activities and it is enclosed for reading
references
Note One apparent problem plaguing the planning and rehabishy
litation section has been the lack of clearly defined areas
dh
-3 shy
of responsibility for each section which has resulted in
duplication of efforts The planning Iand implementation
activities are clearly separated on the attached format
The listing of activities in each area can also serve as
a guide for assigning staff responsibility and avoiding
unnecessary duplication
Chart
Time chart format only covelan an 18 month period and can
be easily modified or adjusted as revised
In Appendix 1 of methodology ie staff responsibilities
re physical improvements arewere established with the
linkages between the national office and each project office
with corresponding responsibilities The activities chart
does not divide the required activities Determining who
when and how the field staff will interrelate is also a
feasible required aspect of developing the acitivities chart
and assigning various responsibilities
Again the organizational linkages in the unit project level
and external agencies have been discussed but not clarified
Each internal and external agencies should listed andbe staff
assigned accordingly he attached flow chart which was
discussed in the January 10 staff meeting clearly shows that
- 4 shy
the bottlenecks is at level 3 (iedefining willing and
unwilling owners) and until such time stage 3 is qualified
it will be impossible to give an realistic assessment of
project cost and construction period required
The data to date indicates that earlier projection no longer
valid A limiting factor was the size and place of the survey
(Kingston) Again the execution phase is dependent on
establishing and meeting the requirements of the law or using
the estimators to concentrate on obtaining financial informashy
tion in order to determine how much will be spent in each
yard
The Flow Chart of unwilling owners clearly indicates that
without sufficient information on the requirements of the
Housing Law the unit cannot progress pass the seventh (7th)
step Once the Plan is accepted and datlared by the Ministry
of Housing there are additional time constraints and periods
of compliance or non compliance by the owner(s) or persons
responsible for collecting the rent for each premises
NATIONAL URBAN UPGRADING PROGRV1E
CONSTRUCTION ACTIVITIES AND WORK PLAN
CONSTRUCTION ACTIVITIES
1 PHYSICAL SURVEYS- All yards Identify all existing health and safety
conditions measure of building lot size and site plan
2 DETERMINE ALL REQUIRED IFiROVEENTS amp COST
3 EVALUATE amp DETERMINE MINIMUM CONSTRUCTION-
Based on rental or other income information and construction priorities (Economic analysis shy
ability to repay)
4 PREPARE WORKING DRAWINGS-
Per yard with specifications
i) general conditions ii) special conditions
iii) list of materials local and imported
5 PREPARE CONTIACT PACKAGES -
For Tender or Negotiation
6 TENDER OR NEGOTIATE CONTRACT
7 PREPARE CONSTRUCTION CONTRACT amp EXECUTE-
Specify Format
8 CONTRACT SCHEDULE
9 INSPECTION amp MONITORING OF CONSTRUCTION
10 RECOgt1END INTERIM PAYIMiENTS
11 CLOSE OUT CONSTRUCTION
12 RECOKIEND FINAL PAYMENT-
After Retention Period of 28 days
rianicinC Acf~ vff icAqu1vd (1 Loan lVoguan
Activities ake Woita a4ea the det~intiaUons aie madec )Lega)L(Uflg the Aeciplent 06 the Loan and pcuton 04 9~oup tcpo~iibUc doampL Acjpaytnt Key to 4-iNallCiatWCOLIZ pCaii-i6 kniowing att the activtiesC kCctLed
1 Idcinuiy ap)Ccait (puon oIL peOi_ csiinb 6op ya id Tlurke aI~e at Ceast thace (3) poui~fa~ mmhip~z ot tenant pa-ttc-w whi~ch couLCd bec Ampo2ns ibt 6oi assiunn the 61uancWa LcsponJ1(LZUus~ 06 homec ipaouIUCIIL Coui Ini tiC Ca-sCZ 06 flec ind4iet) aged ot Govealtment acztcwLampe Wa4aiicact5 aAe necCezsaa)LYf to
2 Vetuuine the uigih~t -to entcI into a binctbi9 contAnc-t 601L tepayjshymcnt and ownu~tsh1 O4 cont)Lof 06I yjaid o Jle)ie
3 I ncome detchm Lnation - deemnj ine and ve4i6yJ otuicc o6 incomre Whe~tIze XI-L0L9( cmpfoymoiut vc61~ ca ti 4Ientat inrme wi th appicopltiUe baze CVL1aicents -to veii6y] Lents liaubts ( csetz)
4 Vcete~unuiie abitity kep4ay - poocems Cean apication on Zean teo0ld AM Docemin dWposable incomne aga-tinst uapoutt 6tonR~ehab iLtUatio n Sec-tion on a imoptov~cmecnt detaiZas ouu ASicwAed (nlounOLt Vi~posnt - ImaxAitiuim Loan cvwitaut ComipLtcd
5 1Uoti y Rehab Sgc-t~on o6 amonoit tentatampcdy appLoved
6 Nottc(e Seltevh Schiv~cc - ~submit~ppIe1tiviinaiJ docunncitz with SLuppmLting data
7 Execute Loan ajppic~zion (I appkove Zoan conttac-t
8 Issue niobiLPzaitioni kc (che -to ColtIac-toi
9 Apvo~vc in-Lot~m payuints based on ccntf6 catiou 6ov WeAS
10 Chaing e oh dcs oa6 oil contulac-t atutholizatiol
11 Sulblli~ 6(iat COOPtwCt doc(enlt6 to SCNCL SCAice basecd on7 Coluvf onl Ccii cate 06~ WOUIin MOOc - issui 6IVA paymenrt appiovatC 6oai job I I Izowttdc1 on Vtaun un iia Znong11 tuii Loan with OWncuteuwJtt and SetlCA Seaiice
1 fRCqCLC5t made 2 Recquest aiicCy4cc1 3 Sftaiu~l 0 ACque4-)t
IlnobU~iza-tioji 6ccm-~s
4 5 To~iiL cfunufa tive
TzadczAn~U Iao anid Sc Cte Scv cc 3 7l5sae muid lmiii LW(12 palplic11(tCCh t~ijc0C4 Putchaw5c oqdeAi6 and iiLct o6 goot5 Lqw~5 7sMtc pajawn ts to couzactc- 6o- dcnmo-Uxonl6 AwipLe aymnint6 to cctaftj oi tic 66nihcd 7 Maintaini invi~toy and stock coltntot
NATIONAL URBAN UPGRADING PROGRAMME
DRAFT WORK PLAN - PHYSICAL GUIDELINES FOR EACH PROJECT AREA
PHYSICAL PLANNING
1 OVERALL BOUNDARY MP-
Prepare in house using input from Town Planning Department Sites and Services or Windshield Survey
2 PREPARE MAP amp PRELIMINARY PLAN-
According to specifications from MOH
3 DECLARE AREA UNDER MOH LAWS
4 REVIEW AND ANALYSE EXISTING CONDITIONS
5 REVIEW FACILITIES AND SET PLANNING OBJECTIVES-
Public sewer water electrical services streets sidewalks community facilities commercial development demolition and construction of new housing transitional centre temporary housing
Select necessary contractors or consultants to survey area where inadequate Government surveys are available
6 DETERMMINE AND RECOMMEND ALL IMPROVEMENTS -
Demolitions and construction to meet physical and social objectives of the Programme Input required from Sociologist amp Physical Planner
7 ESTIMATE OF COST FOR ALL ABOVE-
Submit to Financial Controller
8 PREPARE FINAL PLAN-
With aboveand all improvements to yards submit to Minister of Housing for declaration of Area for review
9 SLPERVISE AND MONITOR EXECUTION OF PLAN
NTIOAL URBAN UPCRADTNG PROGRA2
DAF WOLK PLAN - 8fiSICAL GUIDELIES
_________________PUNIG
2 RPAM amp PR-ZLTXN~ARY PLAS
3 -LA RFA NDE- XOPMI LAWS
4AALYSE EXISTING
FOR EACH PROJECT AREA
23 314 I
l __ __f
51 6 7
__ __
8I9
I
10nl
r
r
FIO=S112113 14 15
1
__I__ 1-7
16liii
17 18
RE FACILITIES amp SET PL
o___ __-___I
6DZErYINE amp ECO21D ALL
NING
1_ fII
-F-__---
i __ _
7
_ I i i i
17 ESTIKA7 COST i I I
JJJ 3179
Socio-Economic - Activities required for Target Area
1 Preliminary indentification of area based on inpllt from
census chart Windshield surveys tgeneral knowledge
about major urban areas - time frame expected shy
mon th s
2 Train enumerators Select and train local groups to
conduct surveys of each project area The period of
training is normally one week while the selecting and
recruitment may take as long as one month
3 Start Socio-Economic survey - expected time frame less
than one month for collecting raw data
4 Preliminary data extracted and submitted to Rehabilitation
Coordinator ie income rentals ownership patterns
number of premises with special needs (the problem of
securing adequate information on income ofowner has been
identified but no-workable solution has been found The
exploration of alternative approaches to this problem is
critical to development
5 Coding information from surveys - todate this process
has been accomplished by hand Although providing additional
labor input for the program this process is time consuming
and thoughts should be given toward developing precoded
surveys
6 Socio-Economic Profile developed
7 Analysis and recommendations An assessment of and
establishing criteria for cojnmu1nit-y facilities and
services for the project area List new or improved
services need ie required seats for various school
categories health facilities (need for basic clinic or
other categories) In assessing delivery of services to
the community - ie how can services be improved shy
funds staffing location is better government coordinashy
tion required Can the unit participate in joint planning
with agency responsible for delivering the services at
what functional level does the unit relate to external
agencies
8 Develop Plans Liase with Community Coordinator physical
Planner and other governmental and private agencies to
develop overall plan (social) for target area
9 Assist in implementing plan
a) Assess survey and survey techniques to determine if
data provided methods used are adequate to provide
information required thefor program
b) Informational resources to Community Coordinator and
Field Personnel
c) Monitoring and evaluation of field staff
r- 13 Vl AO QILIN
CD
ELLU-t
S
cj
LP
Cz
UlMilloti
---- --
__ __ _ __ __ __ ___ __ __ __ __
NATIONAL UBAN UPCRADING PROGRAy
CONSTUCTION ACTIVITIES IOT PLAN
I I ONTPS
3 4 F5 6 71 2 8 9 1o 11 12 1 14 15 1 17 18
E DOV - Samp COSTD T--- flR- CO STRUCTIO N I k---I - - - ----- -- - I IiI ~___ _ o~t DIV G -[EAR I II--- II 1ff
5 R-E- COTsRCTO c-ACzAc-rc ---- OR__ A I II
12 or ii j Ij ~ ~ i ishy rT-
TA CT SC u --iI I I I I 9 c O ~ T R s c F c s n c OI A T I I0RE ZE~ D EIP IJ [ I_ _ __ _ __ _ __ _-----__ _ __ _ _ _
mcr 12 -~J-c i
- IJ~~s-16 M4A9
p -Z as i
_________
NATIONAL URBAN UPGRADING PROGRANE
13 v I Y I t8 7
__0MNTHS[2 1 I I 13 4 5 6 9 o0_ 1 12 114 15 1 6 17 18__ _ _ _ __I _ __ __ _ _ __ __ __
(r _LI _ I | - _ _ __ _ _ _ __ _ _ _ _ I ____
Q L IQ MMamp__ t Or _ _ __ _I tI F I I 1 1 - ____ f
NATIONAL URBAN UPGRADING PROGRAMME
3112 7 _0
ONTHS
12 13 14 15 16 17 18
1
I J
F I
I_
_ __
_ ___ _ _ _ __ _ _ __
_ _ _ _ _ _ _ _ _ __
t -
ANNEX A CSTRUCTdC dCOST VARIOUS LOAN -OUNT AT 12 PER ANU 14ONTHLv DAY NTS YEARS amp
C -jTc C SLO ICO amp PERCENTAGE OF INCO-NDT(R ACARDLESS OF SOUCE)
CQ=Plete Enclosure for Kitchen
with sink - 10 - 1 0 -8s X 8
x8 6 x a
Sanitary F-riilities6 fixtures at S23001
i e -oile t _ (2 )Lavatr7 (2)
Shoer (27 Lineas
2500 0020000
200000 160000
16a000
luo0 L2 Lini
Ft Ft
100000
200000
3C000
400000
5C0000
5 vrs jo vrs
14 32223 1435
4449 2870
6674 4305
889s 5739
11123 7174
-
15vrs1c_00
1201
2401
3601
4801
6001
20 vrs(Hosic-
Act0)225 1102 5000
2203 1000
0
3304 15000
4405
20
1000
000
2000
3000
3500
25
1250
250
2500
3-750
4175
50 75
3500 3750
3500 750
3SO90 7500
750o ]125C
850 13425 61 5506 200 0 400 5C0I0050
Shower Star
Ro (Peair]
3x4j 150000
600000
700000
13347 8609
15572 1C29
7202
8402
6607
7708
Z--130 per sq ft
Paving (Yar - area 100per sq ft Stand Pipe poundsu_
6000 10000 COmplete
A vorage CO StcAverag- -Stc ee c-a-
ya d witn e ~ ~~ ~j T o meet t h e mi nim=um u e ts o a ty c l
mwieur estarird- revqtn a total consirdenti oncost of approxi-7ate- 4 49 which would necessitate
Montly payments f a-roxl-aelv S5 r year period for a 20
The lanquage in up to 20 years tc
-ec--ing Act gives a period r repa- for compulsory work
Attachment 2
FOUNDATION FOR COCPERATIVE HOUSING 2101 L STREET NW WASHINGTON DC 20037 bull (202) 857-4100
To James Tucker Director DATE September 28 1978
FROM Jesse Jones FCH
SUBTECT Overall Plan for Each Area
This memo is an extention of my previously suggested draft plan for developing the upgrading plan for specific areas and should be considered as a working document to assist the Unit in definshy
the ingphysical planning process This memo also attempts to pinshypoint graphically the total community concept
The layout or graphic display selected may vary but the essential point is to provide in a Central location a visual display of the area which could include
A) Description of upgrading area
1 Boundaries with a clear defined landuse map
a) Housing
b) Comrmercial
c) Industries (small shops)
d) Vacant buildings and land
2 Public institutions and Community Facilities Map
a) Government Offices - Local Representatives
b) Police stations
c) Post office
d) Public library
e) Health Clinics or hospital
f) Schools i) Basic ii) Day Care
iii) Secondary iv) Trade Training Center
g) Home for Elderly
h) Recreation facilities i) Play Field ii) Park
2
~M E M 0 R A N DUMIFH DATE
TO
FROM
SUBJECT
3 1
~1~-~j~udi
t
t _[UMM R N U ME 0 A D
F0DATE 2 ~7
TO
FROM
SUBJECT
fu
L L -
L I
I A
Uf I)Tc -)
-LL zIT s Nlth rfC
i( I r(2iz 3 t
--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
C) li L c ( ltcc o
Qc C
J--
L4icLStE am shy CI If
-C ~r F~~~~DlA cL
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
1 Construction Activities and Work Plan
2 Financial Activities and Work Pian
3 Physical Planning Activities and Work Plan
4 Sociological Activities
5 Flow Chart of Activities for Willing Owners
6 Sample Work Plan for Rehab Activities
7 Flow Chart For Unwilling Owners
8 6raft Work Plan
9 Sample Cost and Loan Information
10 Blank 18 Month Time Chart
Following the suggestions I made in my report of October and
numerous discussions since May that the entire senior staff
participate in specific meetingsto develop a mapping system
or work plan in each work area attached is a series of
draft documents to facilitate that process and also provide
the unit with a tool for assessing where the unit is today
in terms of beginningconstruction
V
In each work area I have listed most of the activities
required to plan implement and to evaluate the progress of
each department in its attempt at reaching the goals of the
program The list is by no means exhaustive In the October
report I made specific reference to the development of the
work plan which could assist the unit in clarifying staff
responsibilities and in specifying and scheduling the person(s)
-2shy
responsible for outstanding issues Central to making the
work plan workable is agreement on the critical requirements
of the program and how staff rcPs relate to each
other a-34 assuming staff responsibilityand in the same
context would be better position to maintain overall control
and determine policy if he participated in the process of
determining the activities listed in each area
After agreeing on the above activities each staff member
individually and collectively could list and define the
resources and time required to accomplish particular task
Since the program has already has a period operation for
planning and many of the actual surveys have been completed
the staff is in a better position to evaluate the work
completed to date and project the actual time requirement
for various activities which remain incomplete
In the Financial Activities Chart I have also listed some of
the forms required for the loan program as well as some of
the itQms which should be included in a monthly reporting
system T circulated an earlier reporting format for reporting
construction activities and it is enclosed for reading
references
Note One apparent problem plaguing the planning and rehabishy
litation section has been the lack of clearly defined areas
dh
-3 shy
of responsibility for each section which has resulted in
duplication of efforts The planning Iand implementation
activities are clearly separated on the attached format
The listing of activities in each area can also serve as
a guide for assigning staff responsibility and avoiding
unnecessary duplication
Chart
Time chart format only covelan an 18 month period and can
be easily modified or adjusted as revised
In Appendix 1 of methodology ie staff responsibilities
re physical improvements arewere established with the
linkages between the national office and each project office
with corresponding responsibilities The activities chart
does not divide the required activities Determining who
when and how the field staff will interrelate is also a
feasible required aspect of developing the acitivities chart
and assigning various responsibilities
Again the organizational linkages in the unit project level
and external agencies have been discussed but not clarified
Each internal and external agencies should listed andbe staff
assigned accordingly he attached flow chart which was
discussed in the January 10 staff meeting clearly shows that
- 4 shy
the bottlenecks is at level 3 (iedefining willing and
unwilling owners) and until such time stage 3 is qualified
it will be impossible to give an realistic assessment of
project cost and construction period required
The data to date indicates that earlier projection no longer
valid A limiting factor was the size and place of the survey
(Kingston) Again the execution phase is dependent on
establishing and meeting the requirements of the law or using
the estimators to concentrate on obtaining financial informashy
tion in order to determine how much will be spent in each
yard
The Flow Chart of unwilling owners clearly indicates that
without sufficient information on the requirements of the
Housing Law the unit cannot progress pass the seventh (7th)
step Once the Plan is accepted and datlared by the Ministry
of Housing there are additional time constraints and periods
of compliance or non compliance by the owner(s) or persons
responsible for collecting the rent for each premises
NATIONAL URBAN UPGRADING PROGRV1E
CONSTRUCTION ACTIVITIES AND WORK PLAN
CONSTRUCTION ACTIVITIES
1 PHYSICAL SURVEYS- All yards Identify all existing health and safety
conditions measure of building lot size and site plan
2 DETERMINE ALL REQUIRED IFiROVEENTS amp COST
3 EVALUATE amp DETERMINE MINIMUM CONSTRUCTION-
Based on rental or other income information and construction priorities (Economic analysis shy
ability to repay)
4 PREPARE WORKING DRAWINGS-
Per yard with specifications
i) general conditions ii) special conditions
iii) list of materials local and imported
5 PREPARE CONTIACT PACKAGES -
For Tender or Negotiation
6 TENDER OR NEGOTIATE CONTRACT
7 PREPARE CONSTRUCTION CONTRACT amp EXECUTE-
Specify Format
8 CONTRACT SCHEDULE
9 INSPECTION amp MONITORING OF CONSTRUCTION
10 RECOgt1END INTERIM PAYIMiENTS
11 CLOSE OUT CONSTRUCTION
12 RECOKIEND FINAL PAYMENT-
After Retention Period of 28 days
rianicinC Acf~ vff icAqu1vd (1 Loan lVoguan
Activities ake Woita a4ea the det~intiaUons aie madec )Lega)L(Uflg the Aeciplent 06 the Loan and pcuton 04 9~oup tcpo~iibUc doampL Acjpaytnt Key to 4-iNallCiatWCOLIZ pCaii-i6 kniowing att the activtiesC kCctLed
1 Idcinuiy ap)Ccait (puon oIL peOi_ csiinb 6op ya id Tlurke aI~e at Ceast thace (3) poui~fa~ mmhip~z ot tenant pa-ttc-w whi~ch couLCd bec Ampo2ns ibt 6oi assiunn the 61uancWa LcsponJ1(LZUus~ 06 homec ipaouIUCIIL Coui Ini tiC Ca-sCZ 06 flec ind4iet) aged ot Govealtment acztcwLampe Wa4aiicact5 aAe necCezsaa)LYf to
2 Vetuuine the uigih~t -to entcI into a binctbi9 contAnc-t 601L tepayjshymcnt and ownu~tsh1 O4 cont)Lof 06I yjaid o Jle)ie
3 I ncome detchm Lnation - deemnj ine and ve4i6yJ otuicc o6 incomre Whe~tIze XI-L0L9( cmpfoymoiut vc61~ ca ti 4Ientat inrme wi th appicopltiUe baze CVL1aicents -to veii6y] Lents liaubts ( csetz)
4 Vcete~unuiie abitity kep4ay - poocems Cean apication on Zean teo0ld AM Docemin dWposable incomne aga-tinst uapoutt 6tonR~ehab iLtUatio n Sec-tion on a imoptov~cmecnt detaiZas ouu ASicwAed (nlounOLt Vi~posnt - ImaxAitiuim Loan cvwitaut ComipLtcd
5 1Uoti y Rehab Sgc-t~on o6 amonoit tentatampcdy appLoved
6 Nottc(e Seltevh Schiv~cc - ~submit~ppIe1tiviinaiJ docunncitz with SLuppmLting data
7 Execute Loan ajppic~zion (I appkove Zoan conttac-t
8 Issue niobiLPzaitioni kc (che -to ColtIac-toi
9 Apvo~vc in-Lot~m payuints based on ccntf6 catiou 6ov WeAS
10 Chaing e oh dcs oa6 oil contulac-t atutholizatiol
11 Sulblli~ 6(iat COOPtwCt doc(enlt6 to SCNCL SCAice basecd on7 Coluvf onl Ccii cate 06~ WOUIin MOOc - issui 6IVA paymenrt appiovatC 6oai job I I Izowttdc1 on Vtaun un iia Znong11 tuii Loan with OWncuteuwJtt and SetlCA Seaiice
1 fRCqCLC5t made 2 Recquest aiicCy4cc1 3 Sftaiu~l 0 ACque4-)t
IlnobU~iza-tioji 6ccm-~s
4 5 To~iiL cfunufa tive
TzadczAn~U Iao anid Sc Cte Scv cc 3 7l5sae muid lmiii LW(12 palplic11(tCCh t~ijc0C4 Putchaw5c oqdeAi6 and iiLct o6 goot5 Lqw~5 7sMtc pajawn ts to couzactc- 6o- dcnmo-Uxonl6 AwipLe aymnint6 to cctaftj oi tic 66nihcd 7 Maintaini invi~toy and stock coltntot
NATIONAL URBAN UPGRADING PROGRAMME
DRAFT WORK PLAN - PHYSICAL GUIDELINES FOR EACH PROJECT AREA
PHYSICAL PLANNING
1 OVERALL BOUNDARY MP-
Prepare in house using input from Town Planning Department Sites and Services or Windshield Survey
2 PREPARE MAP amp PRELIMINARY PLAN-
According to specifications from MOH
3 DECLARE AREA UNDER MOH LAWS
4 REVIEW AND ANALYSE EXISTING CONDITIONS
5 REVIEW FACILITIES AND SET PLANNING OBJECTIVES-
Public sewer water electrical services streets sidewalks community facilities commercial development demolition and construction of new housing transitional centre temporary housing
Select necessary contractors or consultants to survey area where inadequate Government surveys are available
6 DETERMMINE AND RECOMMEND ALL IMPROVEMENTS -
Demolitions and construction to meet physical and social objectives of the Programme Input required from Sociologist amp Physical Planner
7 ESTIMATE OF COST FOR ALL ABOVE-
Submit to Financial Controller
8 PREPARE FINAL PLAN-
With aboveand all improvements to yards submit to Minister of Housing for declaration of Area for review
9 SLPERVISE AND MONITOR EXECUTION OF PLAN
NTIOAL URBAN UPCRADTNG PROGRA2
DAF WOLK PLAN - 8fiSICAL GUIDELIES
_________________PUNIG
2 RPAM amp PR-ZLTXN~ARY PLAS
3 -LA RFA NDE- XOPMI LAWS
4AALYSE EXISTING
FOR EACH PROJECT AREA
23 314 I
l __ __f
51 6 7
__ __
8I9
I
10nl
r
r
FIO=S112113 14 15
1
__I__ 1-7
16liii
17 18
RE FACILITIES amp SET PL
o___ __-___I
6DZErYINE amp ECO21D ALL
NING
1_ fII
-F-__---
i __ _
7
_ I i i i
17 ESTIKA7 COST i I I
JJJ 3179
Socio-Economic - Activities required for Target Area
1 Preliminary indentification of area based on inpllt from
census chart Windshield surveys tgeneral knowledge
about major urban areas - time frame expected shy
mon th s
2 Train enumerators Select and train local groups to
conduct surveys of each project area The period of
training is normally one week while the selecting and
recruitment may take as long as one month
3 Start Socio-Economic survey - expected time frame less
than one month for collecting raw data
4 Preliminary data extracted and submitted to Rehabilitation
Coordinator ie income rentals ownership patterns
number of premises with special needs (the problem of
securing adequate information on income ofowner has been
identified but no-workable solution has been found The
exploration of alternative approaches to this problem is
critical to development
5 Coding information from surveys - todate this process
has been accomplished by hand Although providing additional
labor input for the program this process is time consuming
and thoughts should be given toward developing precoded
surveys
6 Socio-Economic Profile developed
7 Analysis and recommendations An assessment of and
establishing criteria for cojnmu1nit-y facilities and
services for the project area List new or improved
services need ie required seats for various school
categories health facilities (need for basic clinic or
other categories) In assessing delivery of services to
the community - ie how can services be improved shy
funds staffing location is better government coordinashy
tion required Can the unit participate in joint planning
with agency responsible for delivering the services at
what functional level does the unit relate to external
agencies
8 Develop Plans Liase with Community Coordinator physical
Planner and other governmental and private agencies to
develop overall plan (social) for target area
9 Assist in implementing plan
a) Assess survey and survey techniques to determine if
data provided methods used are adequate to provide
information required thefor program
b) Informational resources to Community Coordinator and
Field Personnel
c) Monitoring and evaluation of field staff
r- 13 Vl AO QILIN
CD
ELLU-t
S
cj
LP
Cz
UlMilloti
---- --
__ __ _ __ __ __ ___ __ __ __ __
NATIONAL UBAN UPCRADING PROGRAy
CONSTUCTION ACTIVITIES IOT PLAN
I I ONTPS
3 4 F5 6 71 2 8 9 1o 11 12 1 14 15 1 17 18
E DOV - Samp COSTD T--- flR- CO STRUCTIO N I k---I - - - ----- -- - I IiI ~___ _ o~t DIV G -[EAR I II--- II 1ff
5 R-E- COTsRCTO c-ACzAc-rc ---- OR__ A I II
12 or ii j Ij ~ ~ i ishy rT-
TA CT SC u --iI I I I I 9 c O ~ T R s c F c s n c OI A T I I0RE ZE~ D EIP IJ [ I_ _ __ _ __ _ __ _-----__ _ __ _ _ _
mcr 12 -~J-c i
- IJ~~s-16 M4A9
p -Z as i
_________
NATIONAL URBAN UPGRADING PROGRANE
13 v I Y I t8 7
__0MNTHS[2 1 I I 13 4 5 6 9 o0_ 1 12 114 15 1 6 17 18__ _ _ _ __I _ __ __ _ _ __ __ __
(r _LI _ I | - _ _ __ _ _ _ __ _ _ _ _ I ____
Q L IQ MMamp__ t Or _ _ __ _I tI F I I 1 1 - ____ f
NATIONAL URBAN UPGRADING PROGRAMME
3112 7 _0
ONTHS
12 13 14 15 16 17 18
1
I J
F I
I_
_ __
_ ___ _ _ _ __ _ _ __
_ _ _ _ _ _ _ _ _ __
t -
ANNEX A CSTRUCTdC dCOST VARIOUS LOAN -OUNT AT 12 PER ANU 14ONTHLv DAY NTS YEARS amp
C -jTc C SLO ICO amp PERCENTAGE OF INCO-NDT(R ACARDLESS OF SOUCE)
CQ=Plete Enclosure for Kitchen
with sink - 10 - 1 0 -8s X 8
x8 6 x a
Sanitary F-riilities6 fixtures at S23001
i e -oile t _ (2 )Lavatr7 (2)
Shoer (27 Lineas
2500 0020000
200000 160000
16a000
luo0 L2 Lini
Ft Ft
100000
200000
3C000
400000
5C0000
5 vrs jo vrs
14 32223 1435
4449 2870
6674 4305
889s 5739
11123 7174
-
15vrs1c_00
1201
2401
3601
4801
6001
20 vrs(Hosic-
Act0)225 1102 5000
2203 1000
0
3304 15000
4405
20
1000
000
2000
3000
3500
25
1250
250
2500
3-750
4175
50 75
3500 3750
3500 750
3SO90 7500
750o ]125C
850 13425 61 5506 200 0 400 5C0I0050
Shower Star
Ro (Peair]
3x4j 150000
600000
700000
13347 8609
15572 1C29
7202
8402
6607
7708
Z--130 per sq ft
Paving (Yar - area 100per sq ft Stand Pipe poundsu_
6000 10000 COmplete
A vorage CO StcAverag- -Stc ee c-a-
ya d witn e ~ ~~ ~j T o meet t h e mi nim=um u e ts o a ty c l
mwieur estarird- revqtn a total consirdenti oncost of approxi-7ate- 4 49 which would necessitate
Montly payments f a-roxl-aelv S5 r year period for a 20
The lanquage in up to 20 years tc
-ec--ing Act gives a period r repa- for compulsory work
Attachment 2
FOUNDATION FOR COCPERATIVE HOUSING 2101 L STREET NW WASHINGTON DC 20037 bull (202) 857-4100
To James Tucker Director DATE September 28 1978
FROM Jesse Jones FCH
SUBTECT Overall Plan for Each Area
This memo is an extention of my previously suggested draft plan for developing the upgrading plan for specific areas and should be considered as a working document to assist the Unit in definshy
the ingphysical planning process This memo also attempts to pinshypoint graphically the total community concept
The layout or graphic display selected may vary but the essential point is to provide in a Central location a visual display of the area which could include
A) Description of upgrading area
1 Boundaries with a clear defined landuse map
a) Housing
b) Comrmercial
c) Industries (small shops)
d) Vacant buildings and land
2 Public institutions and Community Facilities Map
a) Government Offices - Local Representatives
b) Police stations
c) Post office
d) Public library
e) Health Clinics or hospital
f) Schools i) Basic ii) Day Care
iii) Secondary iv) Trade Training Center
g) Home for Elderly
h) Recreation facilities i) Play Field ii) Park
2
~M E M 0 R A N DUMIFH DATE
TO
FROM
SUBJECT
3 1
~1~-~j~udi
t
t _[UMM R N U ME 0 A D
F0DATE 2 ~7
TO
FROM
SUBJECT
fu
L L -
L I
I A
Uf I)Tc -)
-LL zIT s Nlth rfC
i( I r(2iz 3 t
--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
C) li L c ( ltcc o
Qc C
J--
L4icLStE am shy CI If
-C ~r F~~~~DlA cL
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
-2shy
responsible for outstanding issues Central to making the
work plan workable is agreement on the critical requirements
of the program and how staff rcPs relate to each
other a-34 assuming staff responsibilityand in the same
context would be better position to maintain overall control
and determine policy if he participated in the process of
determining the activities listed in each area
After agreeing on the above activities each staff member
individually and collectively could list and define the
resources and time required to accomplish particular task
Since the program has already has a period operation for
planning and many of the actual surveys have been completed
the staff is in a better position to evaluate the work
completed to date and project the actual time requirement
for various activities which remain incomplete
In the Financial Activities Chart I have also listed some of
the forms required for the loan program as well as some of
the itQms which should be included in a monthly reporting
system T circulated an earlier reporting format for reporting
construction activities and it is enclosed for reading
references
Note One apparent problem plaguing the planning and rehabishy
litation section has been the lack of clearly defined areas
dh
-3 shy
of responsibility for each section which has resulted in
duplication of efforts The planning Iand implementation
activities are clearly separated on the attached format
The listing of activities in each area can also serve as
a guide for assigning staff responsibility and avoiding
unnecessary duplication
Chart
Time chart format only covelan an 18 month period and can
be easily modified or adjusted as revised
In Appendix 1 of methodology ie staff responsibilities
re physical improvements arewere established with the
linkages between the national office and each project office
with corresponding responsibilities The activities chart
does not divide the required activities Determining who
when and how the field staff will interrelate is also a
feasible required aspect of developing the acitivities chart
and assigning various responsibilities
Again the organizational linkages in the unit project level
and external agencies have been discussed but not clarified
Each internal and external agencies should listed andbe staff
assigned accordingly he attached flow chart which was
discussed in the January 10 staff meeting clearly shows that
- 4 shy
the bottlenecks is at level 3 (iedefining willing and
unwilling owners) and until such time stage 3 is qualified
it will be impossible to give an realistic assessment of
project cost and construction period required
The data to date indicates that earlier projection no longer
valid A limiting factor was the size and place of the survey
(Kingston) Again the execution phase is dependent on
establishing and meeting the requirements of the law or using
the estimators to concentrate on obtaining financial informashy
tion in order to determine how much will be spent in each
yard
The Flow Chart of unwilling owners clearly indicates that
without sufficient information on the requirements of the
Housing Law the unit cannot progress pass the seventh (7th)
step Once the Plan is accepted and datlared by the Ministry
of Housing there are additional time constraints and periods
of compliance or non compliance by the owner(s) or persons
responsible for collecting the rent for each premises
NATIONAL URBAN UPGRADING PROGRV1E
CONSTRUCTION ACTIVITIES AND WORK PLAN
CONSTRUCTION ACTIVITIES
1 PHYSICAL SURVEYS- All yards Identify all existing health and safety
conditions measure of building lot size and site plan
2 DETERMINE ALL REQUIRED IFiROVEENTS amp COST
3 EVALUATE amp DETERMINE MINIMUM CONSTRUCTION-
Based on rental or other income information and construction priorities (Economic analysis shy
ability to repay)
4 PREPARE WORKING DRAWINGS-
Per yard with specifications
i) general conditions ii) special conditions
iii) list of materials local and imported
5 PREPARE CONTIACT PACKAGES -
For Tender or Negotiation
6 TENDER OR NEGOTIATE CONTRACT
7 PREPARE CONSTRUCTION CONTRACT amp EXECUTE-
Specify Format
8 CONTRACT SCHEDULE
9 INSPECTION amp MONITORING OF CONSTRUCTION
10 RECOgt1END INTERIM PAYIMiENTS
11 CLOSE OUT CONSTRUCTION
12 RECOKIEND FINAL PAYMENT-
After Retention Period of 28 days
rianicinC Acf~ vff icAqu1vd (1 Loan lVoguan
Activities ake Woita a4ea the det~intiaUons aie madec )Lega)L(Uflg the Aeciplent 06 the Loan and pcuton 04 9~oup tcpo~iibUc doampL Acjpaytnt Key to 4-iNallCiatWCOLIZ pCaii-i6 kniowing att the activtiesC kCctLed
1 Idcinuiy ap)Ccait (puon oIL peOi_ csiinb 6op ya id Tlurke aI~e at Ceast thace (3) poui~fa~ mmhip~z ot tenant pa-ttc-w whi~ch couLCd bec Ampo2ns ibt 6oi assiunn the 61uancWa LcsponJ1(LZUus~ 06 homec ipaouIUCIIL Coui Ini tiC Ca-sCZ 06 flec ind4iet) aged ot Govealtment acztcwLampe Wa4aiicact5 aAe necCezsaa)LYf to
2 Vetuuine the uigih~t -to entcI into a binctbi9 contAnc-t 601L tepayjshymcnt and ownu~tsh1 O4 cont)Lof 06I yjaid o Jle)ie
3 I ncome detchm Lnation - deemnj ine and ve4i6yJ otuicc o6 incomre Whe~tIze XI-L0L9( cmpfoymoiut vc61~ ca ti 4Ientat inrme wi th appicopltiUe baze CVL1aicents -to veii6y] Lents liaubts ( csetz)
4 Vcete~unuiie abitity kep4ay - poocems Cean apication on Zean teo0ld AM Docemin dWposable incomne aga-tinst uapoutt 6tonR~ehab iLtUatio n Sec-tion on a imoptov~cmecnt detaiZas ouu ASicwAed (nlounOLt Vi~posnt - ImaxAitiuim Loan cvwitaut ComipLtcd
5 1Uoti y Rehab Sgc-t~on o6 amonoit tentatampcdy appLoved
6 Nottc(e Seltevh Schiv~cc - ~submit~ppIe1tiviinaiJ docunncitz with SLuppmLting data
7 Execute Loan ajppic~zion (I appkove Zoan conttac-t
8 Issue niobiLPzaitioni kc (che -to ColtIac-toi
9 Apvo~vc in-Lot~m payuints based on ccntf6 catiou 6ov WeAS
10 Chaing e oh dcs oa6 oil contulac-t atutholizatiol
11 Sulblli~ 6(iat COOPtwCt doc(enlt6 to SCNCL SCAice basecd on7 Coluvf onl Ccii cate 06~ WOUIin MOOc - issui 6IVA paymenrt appiovatC 6oai job I I Izowttdc1 on Vtaun un iia Znong11 tuii Loan with OWncuteuwJtt and SetlCA Seaiice
1 fRCqCLC5t made 2 Recquest aiicCy4cc1 3 Sftaiu~l 0 ACque4-)t
IlnobU~iza-tioji 6ccm-~s
4 5 To~iiL cfunufa tive
TzadczAn~U Iao anid Sc Cte Scv cc 3 7l5sae muid lmiii LW(12 palplic11(tCCh t~ijc0C4 Putchaw5c oqdeAi6 and iiLct o6 goot5 Lqw~5 7sMtc pajawn ts to couzactc- 6o- dcnmo-Uxonl6 AwipLe aymnint6 to cctaftj oi tic 66nihcd 7 Maintaini invi~toy and stock coltntot
NATIONAL URBAN UPGRADING PROGRAMME
DRAFT WORK PLAN - PHYSICAL GUIDELINES FOR EACH PROJECT AREA
PHYSICAL PLANNING
1 OVERALL BOUNDARY MP-
Prepare in house using input from Town Planning Department Sites and Services or Windshield Survey
2 PREPARE MAP amp PRELIMINARY PLAN-
According to specifications from MOH
3 DECLARE AREA UNDER MOH LAWS
4 REVIEW AND ANALYSE EXISTING CONDITIONS
5 REVIEW FACILITIES AND SET PLANNING OBJECTIVES-
Public sewer water electrical services streets sidewalks community facilities commercial development demolition and construction of new housing transitional centre temporary housing
Select necessary contractors or consultants to survey area where inadequate Government surveys are available
6 DETERMMINE AND RECOMMEND ALL IMPROVEMENTS -
Demolitions and construction to meet physical and social objectives of the Programme Input required from Sociologist amp Physical Planner
7 ESTIMATE OF COST FOR ALL ABOVE-
Submit to Financial Controller
8 PREPARE FINAL PLAN-
With aboveand all improvements to yards submit to Minister of Housing for declaration of Area for review
9 SLPERVISE AND MONITOR EXECUTION OF PLAN
NTIOAL URBAN UPCRADTNG PROGRA2
DAF WOLK PLAN - 8fiSICAL GUIDELIES
_________________PUNIG
2 RPAM amp PR-ZLTXN~ARY PLAS
3 -LA RFA NDE- XOPMI LAWS
4AALYSE EXISTING
FOR EACH PROJECT AREA
23 314 I
l __ __f
51 6 7
__ __
8I9
I
10nl
r
r
FIO=S112113 14 15
1
__I__ 1-7
16liii
17 18
RE FACILITIES amp SET PL
o___ __-___I
6DZErYINE amp ECO21D ALL
NING
1_ fII
-F-__---
i __ _
7
_ I i i i
17 ESTIKA7 COST i I I
JJJ 3179
Socio-Economic - Activities required for Target Area
1 Preliminary indentification of area based on inpllt from
census chart Windshield surveys tgeneral knowledge
about major urban areas - time frame expected shy
mon th s
2 Train enumerators Select and train local groups to
conduct surveys of each project area The period of
training is normally one week while the selecting and
recruitment may take as long as one month
3 Start Socio-Economic survey - expected time frame less
than one month for collecting raw data
4 Preliminary data extracted and submitted to Rehabilitation
Coordinator ie income rentals ownership patterns
number of premises with special needs (the problem of
securing adequate information on income ofowner has been
identified but no-workable solution has been found The
exploration of alternative approaches to this problem is
critical to development
5 Coding information from surveys - todate this process
has been accomplished by hand Although providing additional
labor input for the program this process is time consuming
and thoughts should be given toward developing precoded
surveys
6 Socio-Economic Profile developed
7 Analysis and recommendations An assessment of and
establishing criteria for cojnmu1nit-y facilities and
services for the project area List new or improved
services need ie required seats for various school
categories health facilities (need for basic clinic or
other categories) In assessing delivery of services to
the community - ie how can services be improved shy
funds staffing location is better government coordinashy
tion required Can the unit participate in joint planning
with agency responsible for delivering the services at
what functional level does the unit relate to external
agencies
8 Develop Plans Liase with Community Coordinator physical
Planner and other governmental and private agencies to
develop overall plan (social) for target area
9 Assist in implementing plan
a) Assess survey and survey techniques to determine if
data provided methods used are adequate to provide
information required thefor program
b) Informational resources to Community Coordinator and
Field Personnel
c) Monitoring and evaluation of field staff
r- 13 Vl AO QILIN
CD
ELLU-t
S
cj
LP
Cz
UlMilloti
---- --
__ __ _ __ __ __ ___ __ __ __ __
NATIONAL UBAN UPCRADING PROGRAy
CONSTUCTION ACTIVITIES IOT PLAN
I I ONTPS
3 4 F5 6 71 2 8 9 1o 11 12 1 14 15 1 17 18
E DOV - Samp COSTD T--- flR- CO STRUCTIO N I k---I - - - ----- -- - I IiI ~___ _ o~t DIV G -[EAR I II--- II 1ff
5 R-E- COTsRCTO c-ACzAc-rc ---- OR__ A I II
12 or ii j Ij ~ ~ i ishy rT-
TA CT SC u --iI I I I I 9 c O ~ T R s c F c s n c OI A T I I0RE ZE~ D EIP IJ [ I_ _ __ _ __ _ __ _-----__ _ __ _ _ _
mcr 12 -~J-c i
- IJ~~s-16 M4A9
p -Z as i
_________
NATIONAL URBAN UPGRADING PROGRANE
13 v I Y I t8 7
__0MNTHS[2 1 I I 13 4 5 6 9 o0_ 1 12 114 15 1 6 17 18__ _ _ _ __I _ __ __ _ _ __ __ __
(r _LI _ I | - _ _ __ _ _ _ __ _ _ _ _ I ____
Q L IQ MMamp__ t Or _ _ __ _I tI F I I 1 1 - ____ f
NATIONAL URBAN UPGRADING PROGRAMME
3112 7 _0
ONTHS
12 13 14 15 16 17 18
1
I J
F I
I_
_ __
_ ___ _ _ _ __ _ _ __
_ _ _ _ _ _ _ _ _ __
t -
ANNEX A CSTRUCTdC dCOST VARIOUS LOAN -OUNT AT 12 PER ANU 14ONTHLv DAY NTS YEARS amp
C -jTc C SLO ICO amp PERCENTAGE OF INCO-NDT(R ACARDLESS OF SOUCE)
CQ=Plete Enclosure for Kitchen
with sink - 10 - 1 0 -8s X 8
x8 6 x a
Sanitary F-riilities6 fixtures at S23001
i e -oile t _ (2 )Lavatr7 (2)
Shoer (27 Lineas
2500 0020000
200000 160000
16a000
luo0 L2 Lini
Ft Ft
100000
200000
3C000
400000
5C0000
5 vrs jo vrs
14 32223 1435
4449 2870
6674 4305
889s 5739
11123 7174
-
15vrs1c_00
1201
2401
3601
4801
6001
20 vrs(Hosic-
Act0)225 1102 5000
2203 1000
0
3304 15000
4405
20
1000
000
2000
3000
3500
25
1250
250
2500
3-750
4175
50 75
3500 3750
3500 750
3SO90 7500
750o ]125C
850 13425 61 5506 200 0 400 5C0I0050
Shower Star
Ro (Peair]
3x4j 150000
600000
700000
13347 8609
15572 1C29
7202
8402
6607
7708
Z--130 per sq ft
Paving (Yar - area 100per sq ft Stand Pipe poundsu_
6000 10000 COmplete
A vorage CO StcAverag- -Stc ee c-a-
ya d witn e ~ ~~ ~j T o meet t h e mi nim=um u e ts o a ty c l
mwieur estarird- revqtn a total consirdenti oncost of approxi-7ate- 4 49 which would necessitate
Montly payments f a-roxl-aelv S5 r year period for a 20
The lanquage in up to 20 years tc
-ec--ing Act gives a period r repa- for compulsory work
Attachment 2
FOUNDATION FOR COCPERATIVE HOUSING 2101 L STREET NW WASHINGTON DC 20037 bull (202) 857-4100
To James Tucker Director DATE September 28 1978
FROM Jesse Jones FCH
SUBTECT Overall Plan for Each Area
This memo is an extention of my previously suggested draft plan for developing the upgrading plan for specific areas and should be considered as a working document to assist the Unit in definshy
the ingphysical planning process This memo also attempts to pinshypoint graphically the total community concept
The layout or graphic display selected may vary but the essential point is to provide in a Central location a visual display of the area which could include
A) Description of upgrading area
1 Boundaries with a clear defined landuse map
a) Housing
b) Comrmercial
c) Industries (small shops)
d) Vacant buildings and land
2 Public institutions and Community Facilities Map
a) Government Offices - Local Representatives
b) Police stations
c) Post office
d) Public library
e) Health Clinics or hospital
f) Schools i) Basic ii) Day Care
iii) Secondary iv) Trade Training Center
g) Home for Elderly
h) Recreation facilities i) Play Field ii) Park
2
~M E M 0 R A N DUMIFH DATE
TO
FROM
SUBJECT
3 1
~1~-~j~udi
t
t _[UMM R N U ME 0 A D
F0DATE 2 ~7
TO
FROM
SUBJECT
fu
L L -
L I
I A
Uf I)Tc -)
-LL zIT s Nlth rfC
i( I r(2iz 3 t
--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
C) li L c ( ltcc o
Qc C
J--
L4icLStE am shy CI If
-C ~r F~~~~DlA cL
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
-3 shy
of responsibility for each section which has resulted in
duplication of efforts The planning Iand implementation
activities are clearly separated on the attached format
The listing of activities in each area can also serve as
a guide for assigning staff responsibility and avoiding
unnecessary duplication
Chart
Time chart format only covelan an 18 month period and can
be easily modified or adjusted as revised
In Appendix 1 of methodology ie staff responsibilities
re physical improvements arewere established with the
linkages between the national office and each project office
with corresponding responsibilities The activities chart
does not divide the required activities Determining who
when and how the field staff will interrelate is also a
feasible required aspect of developing the acitivities chart
and assigning various responsibilities
Again the organizational linkages in the unit project level
and external agencies have been discussed but not clarified
Each internal and external agencies should listed andbe staff
assigned accordingly he attached flow chart which was
discussed in the January 10 staff meeting clearly shows that
- 4 shy
the bottlenecks is at level 3 (iedefining willing and
unwilling owners) and until such time stage 3 is qualified
it will be impossible to give an realistic assessment of
project cost and construction period required
The data to date indicates that earlier projection no longer
valid A limiting factor was the size and place of the survey
(Kingston) Again the execution phase is dependent on
establishing and meeting the requirements of the law or using
the estimators to concentrate on obtaining financial informashy
tion in order to determine how much will be spent in each
yard
The Flow Chart of unwilling owners clearly indicates that
without sufficient information on the requirements of the
Housing Law the unit cannot progress pass the seventh (7th)
step Once the Plan is accepted and datlared by the Ministry
of Housing there are additional time constraints and periods
of compliance or non compliance by the owner(s) or persons
responsible for collecting the rent for each premises
NATIONAL URBAN UPGRADING PROGRV1E
CONSTRUCTION ACTIVITIES AND WORK PLAN
CONSTRUCTION ACTIVITIES
1 PHYSICAL SURVEYS- All yards Identify all existing health and safety
conditions measure of building lot size and site plan
2 DETERMINE ALL REQUIRED IFiROVEENTS amp COST
3 EVALUATE amp DETERMINE MINIMUM CONSTRUCTION-
Based on rental or other income information and construction priorities (Economic analysis shy
ability to repay)
4 PREPARE WORKING DRAWINGS-
Per yard with specifications
i) general conditions ii) special conditions
iii) list of materials local and imported
5 PREPARE CONTIACT PACKAGES -
For Tender or Negotiation
6 TENDER OR NEGOTIATE CONTRACT
7 PREPARE CONSTRUCTION CONTRACT amp EXECUTE-
Specify Format
8 CONTRACT SCHEDULE
9 INSPECTION amp MONITORING OF CONSTRUCTION
10 RECOgt1END INTERIM PAYIMiENTS
11 CLOSE OUT CONSTRUCTION
12 RECOKIEND FINAL PAYMENT-
After Retention Period of 28 days
rianicinC Acf~ vff icAqu1vd (1 Loan lVoguan
Activities ake Woita a4ea the det~intiaUons aie madec )Lega)L(Uflg the Aeciplent 06 the Loan and pcuton 04 9~oup tcpo~iibUc doampL Acjpaytnt Key to 4-iNallCiatWCOLIZ pCaii-i6 kniowing att the activtiesC kCctLed
1 Idcinuiy ap)Ccait (puon oIL peOi_ csiinb 6op ya id Tlurke aI~e at Ceast thace (3) poui~fa~ mmhip~z ot tenant pa-ttc-w whi~ch couLCd bec Ampo2ns ibt 6oi assiunn the 61uancWa LcsponJ1(LZUus~ 06 homec ipaouIUCIIL Coui Ini tiC Ca-sCZ 06 flec ind4iet) aged ot Govealtment acztcwLampe Wa4aiicact5 aAe necCezsaa)LYf to
2 Vetuuine the uigih~t -to entcI into a binctbi9 contAnc-t 601L tepayjshymcnt and ownu~tsh1 O4 cont)Lof 06I yjaid o Jle)ie
3 I ncome detchm Lnation - deemnj ine and ve4i6yJ otuicc o6 incomre Whe~tIze XI-L0L9( cmpfoymoiut vc61~ ca ti 4Ientat inrme wi th appicopltiUe baze CVL1aicents -to veii6y] Lents liaubts ( csetz)
4 Vcete~unuiie abitity kep4ay - poocems Cean apication on Zean teo0ld AM Docemin dWposable incomne aga-tinst uapoutt 6tonR~ehab iLtUatio n Sec-tion on a imoptov~cmecnt detaiZas ouu ASicwAed (nlounOLt Vi~posnt - ImaxAitiuim Loan cvwitaut ComipLtcd
5 1Uoti y Rehab Sgc-t~on o6 amonoit tentatampcdy appLoved
6 Nottc(e Seltevh Schiv~cc - ~submit~ppIe1tiviinaiJ docunncitz with SLuppmLting data
7 Execute Loan ajppic~zion (I appkove Zoan conttac-t
8 Issue niobiLPzaitioni kc (che -to ColtIac-toi
9 Apvo~vc in-Lot~m payuints based on ccntf6 catiou 6ov WeAS
10 Chaing e oh dcs oa6 oil contulac-t atutholizatiol
11 Sulblli~ 6(iat COOPtwCt doc(enlt6 to SCNCL SCAice basecd on7 Coluvf onl Ccii cate 06~ WOUIin MOOc - issui 6IVA paymenrt appiovatC 6oai job I I Izowttdc1 on Vtaun un iia Znong11 tuii Loan with OWncuteuwJtt and SetlCA Seaiice
1 fRCqCLC5t made 2 Recquest aiicCy4cc1 3 Sftaiu~l 0 ACque4-)t
IlnobU~iza-tioji 6ccm-~s
4 5 To~iiL cfunufa tive
TzadczAn~U Iao anid Sc Cte Scv cc 3 7l5sae muid lmiii LW(12 palplic11(tCCh t~ijc0C4 Putchaw5c oqdeAi6 and iiLct o6 goot5 Lqw~5 7sMtc pajawn ts to couzactc- 6o- dcnmo-Uxonl6 AwipLe aymnint6 to cctaftj oi tic 66nihcd 7 Maintaini invi~toy and stock coltntot
NATIONAL URBAN UPGRADING PROGRAMME
DRAFT WORK PLAN - PHYSICAL GUIDELINES FOR EACH PROJECT AREA
PHYSICAL PLANNING
1 OVERALL BOUNDARY MP-
Prepare in house using input from Town Planning Department Sites and Services or Windshield Survey
2 PREPARE MAP amp PRELIMINARY PLAN-
According to specifications from MOH
3 DECLARE AREA UNDER MOH LAWS
4 REVIEW AND ANALYSE EXISTING CONDITIONS
5 REVIEW FACILITIES AND SET PLANNING OBJECTIVES-
Public sewer water electrical services streets sidewalks community facilities commercial development demolition and construction of new housing transitional centre temporary housing
Select necessary contractors or consultants to survey area where inadequate Government surveys are available
6 DETERMMINE AND RECOMMEND ALL IMPROVEMENTS -
Demolitions and construction to meet physical and social objectives of the Programme Input required from Sociologist amp Physical Planner
7 ESTIMATE OF COST FOR ALL ABOVE-
Submit to Financial Controller
8 PREPARE FINAL PLAN-
With aboveand all improvements to yards submit to Minister of Housing for declaration of Area for review
9 SLPERVISE AND MONITOR EXECUTION OF PLAN
NTIOAL URBAN UPCRADTNG PROGRA2
DAF WOLK PLAN - 8fiSICAL GUIDELIES
_________________PUNIG
2 RPAM amp PR-ZLTXN~ARY PLAS
3 -LA RFA NDE- XOPMI LAWS
4AALYSE EXISTING
FOR EACH PROJECT AREA
23 314 I
l __ __f
51 6 7
__ __
8I9
I
10nl
r
r
FIO=S112113 14 15
1
__I__ 1-7
16liii
17 18
RE FACILITIES amp SET PL
o___ __-___I
6DZErYINE amp ECO21D ALL
NING
1_ fII
-F-__---
i __ _
7
_ I i i i
17 ESTIKA7 COST i I I
JJJ 3179
Socio-Economic - Activities required for Target Area
1 Preliminary indentification of area based on inpllt from
census chart Windshield surveys tgeneral knowledge
about major urban areas - time frame expected shy
mon th s
2 Train enumerators Select and train local groups to
conduct surveys of each project area The period of
training is normally one week while the selecting and
recruitment may take as long as one month
3 Start Socio-Economic survey - expected time frame less
than one month for collecting raw data
4 Preliminary data extracted and submitted to Rehabilitation
Coordinator ie income rentals ownership patterns
number of premises with special needs (the problem of
securing adequate information on income ofowner has been
identified but no-workable solution has been found The
exploration of alternative approaches to this problem is
critical to development
5 Coding information from surveys - todate this process
has been accomplished by hand Although providing additional
labor input for the program this process is time consuming
and thoughts should be given toward developing precoded
surveys
6 Socio-Economic Profile developed
7 Analysis and recommendations An assessment of and
establishing criteria for cojnmu1nit-y facilities and
services for the project area List new or improved
services need ie required seats for various school
categories health facilities (need for basic clinic or
other categories) In assessing delivery of services to
the community - ie how can services be improved shy
funds staffing location is better government coordinashy
tion required Can the unit participate in joint planning
with agency responsible for delivering the services at
what functional level does the unit relate to external
agencies
8 Develop Plans Liase with Community Coordinator physical
Planner and other governmental and private agencies to
develop overall plan (social) for target area
9 Assist in implementing plan
a) Assess survey and survey techniques to determine if
data provided methods used are adequate to provide
information required thefor program
b) Informational resources to Community Coordinator and
Field Personnel
c) Monitoring and evaluation of field staff
r- 13 Vl AO QILIN
CD
ELLU-t
S
cj
LP
Cz
UlMilloti
---- --
__ __ _ __ __ __ ___ __ __ __ __
NATIONAL UBAN UPCRADING PROGRAy
CONSTUCTION ACTIVITIES IOT PLAN
I I ONTPS
3 4 F5 6 71 2 8 9 1o 11 12 1 14 15 1 17 18
E DOV - Samp COSTD T--- flR- CO STRUCTIO N I k---I - - - ----- -- - I IiI ~___ _ o~t DIV G -[EAR I II--- II 1ff
5 R-E- COTsRCTO c-ACzAc-rc ---- OR__ A I II
12 or ii j Ij ~ ~ i ishy rT-
TA CT SC u --iI I I I I 9 c O ~ T R s c F c s n c OI A T I I0RE ZE~ D EIP IJ [ I_ _ __ _ __ _ __ _-----__ _ __ _ _ _
mcr 12 -~J-c i
- IJ~~s-16 M4A9
p -Z as i
_________
NATIONAL URBAN UPGRADING PROGRANE
13 v I Y I t8 7
__0MNTHS[2 1 I I 13 4 5 6 9 o0_ 1 12 114 15 1 6 17 18__ _ _ _ __I _ __ __ _ _ __ __ __
(r _LI _ I | - _ _ __ _ _ _ __ _ _ _ _ I ____
Q L IQ MMamp__ t Or _ _ __ _I tI F I I 1 1 - ____ f
NATIONAL URBAN UPGRADING PROGRAMME
3112 7 _0
ONTHS
12 13 14 15 16 17 18
1
I J
F I
I_
_ __
_ ___ _ _ _ __ _ _ __
_ _ _ _ _ _ _ _ _ __
t -
ANNEX A CSTRUCTdC dCOST VARIOUS LOAN -OUNT AT 12 PER ANU 14ONTHLv DAY NTS YEARS amp
C -jTc C SLO ICO amp PERCENTAGE OF INCO-NDT(R ACARDLESS OF SOUCE)
CQ=Plete Enclosure for Kitchen
with sink - 10 - 1 0 -8s X 8
x8 6 x a
Sanitary F-riilities6 fixtures at S23001
i e -oile t _ (2 )Lavatr7 (2)
Shoer (27 Lineas
2500 0020000
200000 160000
16a000
luo0 L2 Lini
Ft Ft
100000
200000
3C000
400000
5C0000
5 vrs jo vrs
14 32223 1435
4449 2870
6674 4305
889s 5739
11123 7174
-
15vrs1c_00
1201
2401
3601
4801
6001
20 vrs(Hosic-
Act0)225 1102 5000
2203 1000
0
3304 15000
4405
20
1000
000
2000
3000
3500
25
1250
250
2500
3-750
4175
50 75
3500 3750
3500 750
3SO90 7500
750o ]125C
850 13425 61 5506 200 0 400 5C0I0050
Shower Star
Ro (Peair]
3x4j 150000
600000
700000
13347 8609
15572 1C29
7202
8402
6607
7708
Z--130 per sq ft
Paving (Yar - area 100per sq ft Stand Pipe poundsu_
6000 10000 COmplete
A vorage CO StcAverag- -Stc ee c-a-
ya d witn e ~ ~~ ~j T o meet t h e mi nim=um u e ts o a ty c l
mwieur estarird- revqtn a total consirdenti oncost of approxi-7ate- 4 49 which would necessitate
Montly payments f a-roxl-aelv S5 r year period for a 20
The lanquage in up to 20 years tc
-ec--ing Act gives a period r repa- for compulsory work
Attachment 2
FOUNDATION FOR COCPERATIVE HOUSING 2101 L STREET NW WASHINGTON DC 20037 bull (202) 857-4100
To James Tucker Director DATE September 28 1978
FROM Jesse Jones FCH
SUBTECT Overall Plan for Each Area
This memo is an extention of my previously suggested draft plan for developing the upgrading plan for specific areas and should be considered as a working document to assist the Unit in definshy
the ingphysical planning process This memo also attempts to pinshypoint graphically the total community concept
The layout or graphic display selected may vary but the essential point is to provide in a Central location a visual display of the area which could include
A) Description of upgrading area
1 Boundaries with a clear defined landuse map
a) Housing
b) Comrmercial
c) Industries (small shops)
d) Vacant buildings and land
2 Public institutions and Community Facilities Map
a) Government Offices - Local Representatives
b) Police stations
c) Post office
d) Public library
e) Health Clinics or hospital
f) Schools i) Basic ii) Day Care
iii) Secondary iv) Trade Training Center
g) Home for Elderly
h) Recreation facilities i) Play Field ii) Park
2
~M E M 0 R A N DUMIFH DATE
TO
FROM
SUBJECT
3 1
~1~-~j~udi
t
t _[UMM R N U ME 0 A D
F0DATE 2 ~7
TO
FROM
SUBJECT
fu
L L -
L I
I A
Uf I)Tc -)
-LL zIT s Nlth rfC
i( I r(2iz 3 t
--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
C) li L c ( ltcc o
Qc C
J--
L4icLStE am shy CI If
-C ~r F~~~~DlA cL
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
- 4 shy
the bottlenecks is at level 3 (iedefining willing and
unwilling owners) and until such time stage 3 is qualified
it will be impossible to give an realistic assessment of
project cost and construction period required
The data to date indicates that earlier projection no longer
valid A limiting factor was the size and place of the survey
(Kingston) Again the execution phase is dependent on
establishing and meeting the requirements of the law or using
the estimators to concentrate on obtaining financial informashy
tion in order to determine how much will be spent in each
yard
The Flow Chart of unwilling owners clearly indicates that
without sufficient information on the requirements of the
Housing Law the unit cannot progress pass the seventh (7th)
step Once the Plan is accepted and datlared by the Ministry
of Housing there are additional time constraints and periods
of compliance or non compliance by the owner(s) or persons
responsible for collecting the rent for each premises
NATIONAL URBAN UPGRADING PROGRV1E
CONSTRUCTION ACTIVITIES AND WORK PLAN
CONSTRUCTION ACTIVITIES
1 PHYSICAL SURVEYS- All yards Identify all existing health and safety
conditions measure of building lot size and site plan
2 DETERMINE ALL REQUIRED IFiROVEENTS amp COST
3 EVALUATE amp DETERMINE MINIMUM CONSTRUCTION-
Based on rental or other income information and construction priorities (Economic analysis shy
ability to repay)
4 PREPARE WORKING DRAWINGS-
Per yard with specifications
i) general conditions ii) special conditions
iii) list of materials local and imported
5 PREPARE CONTIACT PACKAGES -
For Tender or Negotiation
6 TENDER OR NEGOTIATE CONTRACT
7 PREPARE CONSTRUCTION CONTRACT amp EXECUTE-
Specify Format
8 CONTRACT SCHEDULE
9 INSPECTION amp MONITORING OF CONSTRUCTION
10 RECOgt1END INTERIM PAYIMiENTS
11 CLOSE OUT CONSTRUCTION
12 RECOKIEND FINAL PAYMENT-
After Retention Period of 28 days
rianicinC Acf~ vff icAqu1vd (1 Loan lVoguan
Activities ake Woita a4ea the det~intiaUons aie madec )Lega)L(Uflg the Aeciplent 06 the Loan and pcuton 04 9~oup tcpo~iibUc doampL Acjpaytnt Key to 4-iNallCiatWCOLIZ pCaii-i6 kniowing att the activtiesC kCctLed
1 Idcinuiy ap)Ccait (puon oIL peOi_ csiinb 6op ya id Tlurke aI~e at Ceast thace (3) poui~fa~ mmhip~z ot tenant pa-ttc-w whi~ch couLCd bec Ampo2ns ibt 6oi assiunn the 61uancWa LcsponJ1(LZUus~ 06 homec ipaouIUCIIL Coui Ini tiC Ca-sCZ 06 flec ind4iet) aged ot Govealtment acztcwLampe Wa4aiicact5 aAe necCezsaa)LYf to
2 Vetuuine the uigih~t -to entcI into a binctbi9 contAnc-t 601L tepayjshymcnt and ownu~tsh1 O4 cont)Lof 06I yjaid o Jle)ie
3 I ncome detchm Lnation - deemnj ine and ve4i6yJ otuicc o6 incomre Whe~tIze XI-L0L9( cmpfoymoiut vc61~ ca ti 4Ientat inrme wi th appicopltiUe baze CVL1aicents -to veii6y] Lents liaubts ( csetz)
4 Vcete~unuiie abitity kep4ay - poocems Cean apication on Zean teo0ld AM Docemin dWposable incomne aga-tinst uapoutt 6tonR~ehab iLtUatio n Sec-tion on a imoptov~cmecnt detaiZas ouu ASicwAed (nlounOLt Vi~posnt - ImaxAitiuim Loan cvwitaut ComipLtcd
5 1Uoti y Rehab Sgc-t~on o6 amonoit tentatampcdy appLoved
6 Nottc(e Seltevh Schiv~cc - ~submit~ppIe1tiviinaiJ docunncitz with SLuppmLting data
7 Execute Loan ajppic~zion (I appkove Zoan conttac-t
8 Issue niobiLPzaitioni kc (che -to ColtIac-toi
9 Apvo~vc in-Lot~m payuints based on ccntf6 catiou 6ov WeAS
10 Chaing e oh dcs oa6 oil contulac-t atutholizatiol
11 Sulblli~ 6(iat COOPtwCt doc(enlt6 to SCNCL SCAice basecd on7 Coluvf onl Ccii cate 06~ WOUIin MOOc - issui 6IVA paymenrt appiovatC 6oai job I I Izowttdc1 on Vtaun un iia Znong11 tuii Loan with OWncuteuwJtt and SetlCA Seaiice
1 fRCqCLC5t made 2 Recquest aiicCy4cc1 3 Sftaiu~l 0 ACque4-)t
IlnobU~iza-tioji 6ccm-~s
4 5 To~iiL cfunufa tive
TzadczAn~U Iao anid Sc Cte Scv cc 3 7l5sae muid lmiii LW(12 palplic11(tCCh t~ijc0C4 Putchaw5c oqdeAi6 and iiLct o6 goot5 Lqw~5 7sMtc pajawn ts to couzactc- 6o- dcnmo-Uxonl6 AwipLe aymnint6 to cctaftj oi tic 66nihcd 7 Maintaini invi~toy and stock coltntot
NATIONAL URBAN UPGRADING PROGRAMME
DRAFT WORK PLAN - PHYSICAL GUIDELINES FOR EACH PROJECT AREA
PHYSICAL PLANNING
1 OVERALL BOUNDARY MP-
Prepare in house using input from Town Planning Department Sites and Services or Windshield Survey
2 PREPARE MAP amp PRELIMINARY PLAN-
According to specifications from MOH
3 DECLARE AREA UNDER MOH LAWS
4 REVIEW AND ANALYSE EXISTING CONDITIONS
5 REVIEW FACILITIES AND SET PLANNING OBJECTIVES-
Public sewer water electrical services streets sidewalks community facilities commercial development demolition and construction of new housing transitional centre temporary housing
Select necessary contractors or consultants to survey area where inadequate Government surveys are available
6 DETERMMINE AND RECOMMEND ALL IMPROVEMENTS -
Demolitions and construction to meet physical and social objectives of the Programme Input required from Sociologist amp Physical Planner
7 ESTIMATE OF COST FOR ALL ABOVE-
Submit to Financial Controller
8 PREPARE FINAL PLAN-
With aboveand all improvements to yards submit to Minister of Housing for declaration of Area for review
9 SLPERVISE AND MONITOR EXECUTION OF PLAN
NTIOAL URBAN UPCRADTNG PROGRA2
DAF WOLK PLAN - 8fiSICAL GUIDELIES
_________________PUNIG
2 RPAM amp PR-ZLTXN~ARY PLAS
3 -LA RFA NDE- XOPMI LAWS
4AALYSE EXISTING
FOR EACH PROJECT AREA
23 314 I
l __ __f
51 6 7
__ __
8I9
I
10nl
r
r
FIO=S112113 14 15
1
__I__ 1-7
16liii
17 18
RE FACILITIES amp SET PL
o___ __-___I
6DZErYINE amp ECO21D ALL
NING
1_ fII
-F-__---
i __ _
7
_ I i i i
17 ESTIKA7 COST i I I
JJJ 3179
Socio-Economic - Activities required for Target Area
1 Preliminary indentification of area based on inpllt from
census chart Windshield surveys tgeneral knowledge
about major urban areas - time frame expected shy
mon th s
2 Train enumerators Select and train local groups to
conduct surveys of each project area The period of
training is normally one week while the selecting and
recruitment may take as long as one month
3 Start Socio-Economic survey - expected time frame less
than one month for collecting raw data
4 Preliminary data extracted and submitted to Rehabilitation
Coordinator ie income rentals ownership patterns
number of premises with special needs (the problem of
securing adequate information on income ofowner has been
identified but no-workable solution has been found The
exploration of alternative approaches to this problem is
critical to development
5 Coding information from surveys - todate this process
has been accomplished by hand Although providing additional
labor input for the program this process is time consuming
and thoughts should be given toward developing precoded
surveys
6 Socio-Economic Profile developed
7 Analysis and recommendations An assessment of and
establishing criteria for cojnmu1nit-y facilities and
services for the project area List new or improved
services need ie required seats for various school
categories health facilities (need for basic clinic or
other categories) In assessing delivery of services to
the community - ie how can services be improved shy
funds staffing location is better government coordinashy
tion required Can the unit participate in joint planning
with agency responsible for delivering the services at
what functional level does the unit relate to external
agencies
8 Develop Plans Liase with Community Coordinator physical
Planner and other governmental and private agencies to
develop overall plan (social) for target area
9 Assist in implementing plan
a) Assess survey and survey techniques to determine if
data provided methods used are adequate to provide
information required thefor program
b) Informational resources to Community Coordinator and
Field Personnel
c) Monitoring and evaluation of field staff
r- 13 Vl AO QILIN
CD
ELLU-t
S
cj
LP
Cz
UlMilloti
---- --
__ __ _ __ __ __ ___ __ __ __ __
NATIONAL UBAN UPCRADING PROGRAy
CONSTUCTION ACTIVITIES IOT PLAN
I I ONTPS
3 4 F5 6 71 2 8 9 1o 11 12 1 14 15 1 17 18
E DOV - Samp COSTD T--- flR- CO STRUCTIO N I k---I - - - ----- -- - I IiI ~___ _ o~t DIV G -[EAR I II--- II 1ff
5 R-E- COTsRCTO c-ACzAc-rc ---- OR__ A I II
12 or ii j Ij ~ ~ i ishy rT-
TA CT SC u --iI I I I I 9 c O ~ T R s c F c s n c OI A T I I0RE ZE~ D EIP IJ [ I_ _ __ _ __ _ __ _-----__ _ __ _ _ _
mcr 12 -~J-c i
- IJ~~s-16 M4A9
p -Z as i
_________
NATIONAL URBAN UPGRADING PROGRANE
13 v I Y I t8 7
__0MNTHS[2 1 I I 13 4 5 6 9 o0_ 1 12 114 15 1 6 17 18__ _ _ _ __I _ __ __ _ _ __ __ __
(r _LI _ I | - _ _ __ _ _ _ __ _ _ _ _ I ____
Q L IQ MMamp__ t Or _ _ __ _I tI F I I 1 1 - ____ f
NATIONAL URBAN UPGRADING PROGRAMME
3112 7 _0
ONTHS
12 13 14 15 16 17 18
1
I J
F I
I_
_ __
_ ___ _ _ _ __ _ _ __
_ _ _ _ _ _ _ _ _ __
t -
ANNEX A CSTRUCTdC dCOST VARIOUS LOAN -OUNT AT 12 PER ANU 14ONTHLv DAY NTS YEARS amp
C -jTc C SLO ICO amp PERCENTAGE OF INCO-NDT(R ACARDLESS OF SOUCE)
CQ=Plete Enclosure for Kitchen
with sink - 10 - 1 0 -8s X 8
x8 6 x a
Sanitary F-riilities6 fixtures at S23001
i e -oile t _ (2 )Lavatr7 (2)
Shoer (27 Lineas
2500 0020000
200000 160000
16a000
luo0 L2 Lini
Ft Ft
100000
200000
3C000
400000
5C0000
5 vrs jo vrs
14 32223 1435
4449 2870
6674 4305
889s 5739
11123 7174
-
15vrs1c_00
1201
2401
3601
4801
6001
20 vrs(Hosic-
Act0)225 1102 5000
2203 1000
0
3304 15000
4405
20
1000
000
2000
3000
3500
25
1250
250
2500
3-750
4175
50 75
3500 3750
3500 750
3SO90 7500
750o ]125C
850 13425 61 5506 200 0 400 5C0I0050
Shower Star
Ro (Peair]
3x4j 150000
600000
700000
13347 8609
15572 1C29
7202
8402
6607
7708
Z--130 per sq ft
Paving (Yar - area 100per sq ft Stand Pipe poundsu_
6000 10000 COmplete
A vorage CO StcAverag- -Stc ee c-a-
ya d witn e ~ ~~ ~j T o meet t h e mi nim=um u e ts o a ty c l
mwieur estarird- revqtn a total consirdenti oncost of approxi-7ate- 4 49 which would necessitate
Montly payments f a-roxl-aelv S5 r year period for a 20
The lanquage in up to 20 years tc
-ec--ing Act gives a period r repa- for compulsory work
Attachment 2
FOUNDATION FOR COCPERATIVE HOUSING 2101 L STREET NW WASHINGTON DC 20037 bull (202) 857-4100
To James Tucker Director DATE September 28 1978
FROM Jesse Jones FCH
SUBTECT Overall Plan for Each Area
This memo is an extention of my previously suggested draft plan for developing the upgrading plan for specific areas and should be considered as a working document to assist the Unit in definshy
the ingphysical planning process This memo also attempts to pinshypoint graphically the total community concept
The layout or graphic display selected may vary but the essential point is to provide in a Central location a visual display of the area which could include
A) Description of upgrading area
1 Boundaries with a clear defined landuse map
a) Housing
b) Comrmercial
c) Industries (small shops)
d) Vacant buildings and land
2 Public institutions and Community Facilities Map
a) Government Offices - Local Representatives
b) Police stations
c) Post office
d) Public library
e) Health Clinics or hospital
f) Schools i) Basic ii) Day Care
iii) Secondary iv) Trade Training Center
g) Home for Elderly
h) Recreation facilities i) Play Field ii) Park
2
~M E M 0 R A N DUMIFH DATE
TO
FROM
SUBJECT
3 1
~1~-~j~udi
t
t _[UMM R N U ME 0 A D
F0DATE 2 ~7
TO
FROM
SUBJECT
fu
L L -
L I
I A
Uf I)Tc -)
-LL zIT s Nlth rfC
i( I r(2iz 3 t
--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
C) li L c ( ltcc o
Qc C
J--
L4icLStE am shy CI If
-C ~r F~~~~DlA cL
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
NATIONAL URBAN UPGRADING PROGRV1E
CONSTRUCTION ACTIVITIES AND WORK PLAN
CONSTRUCTION ACTIVITIES
1 PHYSICAL SURVEYS- All yards Identify all existing health and safety
conditions measure of building lot size and site plan
2 DETERMINE ALL REQUIRED IFiROVEENTS amp COST
3 EVALUATE amp DETERMINE MINIMUM CONSTRUCTION-
Based on rental or other income information and construction priorities (Economic analysis shy
ability to repay)
4 PREPARE WORKING DRAWINGS-
Per yard with specifications
i) general conditions ii) special conditions
iii) list of materials local and imported
5 PREPARE CONTIACT PACKAGES -
For Tender or Negotiation
6 TENDER OR NEGOTIATE CONTRACT
7 PREPARE CONSTRUCTION CONTRACT amp EXECUTE-
Specify Format
8 CONTRACT SCHEDULE
9 INSPECTION amp MONITORING OF CONSTRUCTION
10 RECOgt1END INTERIM PAYIMiENTS
11 CLOSE OUT CONSTRUCTION
12 RECOKIEND FINAL PAYMENT-
After Retention Period of 28 days
rianicinC Acf~ vff icAqu1vd (1 Loan lVoguan
Activities ake Woita a4ea the det~intiaUons aie madec )Lega)L(Uflg the Aeciplent 06 the Loan and pcuton 04 9~oup tcpo~iibUc doampL Acjpaytnt Key to 4-iNallCiatWCOLIZ pCaii-i6 kniowing att the activtiesC kCctLed
1 Idcinuiy ap)Ccait (puon oIL peOi_ csiinb 6op ya id Tlurke aI~e at Ceast thace (3) poui~fa~ mmhip~z ot tenant pa-ttc-w whi~ch couLCd bec Ampo2ns ibt 6oi assiunn the 61uancWa LcsponJ1(LZUus~ 06 homec ipaouIUCIIL Coui Ini tiC Ca-sCZ 06 flec ind4iet) aged ot Govealtment acztcwLampe Wa4aiicact5 aAe necCezsaa)LYf to
2 Vetuuine the uigih~t -to entcI into a binctbi9 contAnc-t 601L tepayjshymcnt and ownu~tsh1 O4 cont)Lof 06I yjaid o Jle)ie
3 I ncome detchm Lnation - deemnj ine and ve4i6yJ otuicc o6 incomre Whe~tIze XI-L0L9( cmpfoymoiut vc61~ ca ti 4Ientat inrme wi th appicopltiUe baze CVL1aicents -to veii6y] Lents liaubts ( csetz)
4 Vcete~unuiie abitity kep4ay - poocems Cean apication on Zean teo0ld AM Docemin dWposable incomne aga-tinst uapoutt 6tonR~ehab iLtUatio n Sec-tion on a imoptov~cmecnt detaiZas ouu ASicwAed (nlounOLt Vi~posnt - ImaxAitiuim Loan cvwitaut ComipLtcd
5 1Uoti y Rehab Sgc-t~on o6 amonoit tentatampcdy appLoved
6 Nottc(e Seltevh Schiv~cc - ~submit~ppIe1tiviinaiJ docunncitz with SLuppmLting data
7 Execute Loan ajppic~zion (I appkove Zoan conttac-t
8 Issue niobiLPzaitioni kc (che -to ColtIac-toi
9 Apvo~vc in-Lot~m payuints based on ccntf6 catiou 6ov WeAS
10 Chaing e oh dcs oa6 oil contulac-t atutholizatiol
11 Sulblli~ 6(iat COOPtwCt doc(enlt6 to SCNCL SCAice basecd on7 Coluvf onl Ccii cate 06~ WOUIin MOOc - issui 6IVA paymenrt appiovatC 6oai job I I Izowttdc1 on Vtaun un iia Znong11 tuii Loan with OWncuteuwJtt and SetlCA Seaiice
1 fRCqCLC5t made 2 Recquest aiicCy4cc1 3 Sftaiu~l 0 ACque4-)t
IlnobU~iza-tioji 6ccm-~s
4 5 To~iiL cfunufa tive
TzadczAn~U Iao anid Sc Cte Scv cc 3 7l5sae muid lmiii LW(12 palplic11(tCCh t~ijc0C4 Putchaw5c oqdeAi6 and iiLct o6 goot5 Lqw~5 7sMtc pajawn ts to couzactc- 6o- dcnmo-Uxonl6 AwipLe aymnint6 to cctaftj oi tic 66nihcd 7 Maintaini invi~toy and stock coltntot
NATIONAL URBAN UPGRADING PROGRAMME
DRAFT WORK PLAN - PHYSICAL GUIDELINES FOR EACH PROJECT AREA
PHYSICAL PLANNING
1 OVERALL BOUNDARY MP-
Prepare in house using input from Town Planning Department Sites and Services or Windshield Survey
2 PREPARE MAP amp PRELIMINARY PLAN-
According to specifications from MOH
3 DECLARE AREA UNDER MOH LAWS
4 REVIEW AND ANALYSE EXISTING CONDITIONS
5 REVIEW FACILITIES AND SET PLANNING OBJECTIVES-
Public sewer water electrical services streets sidewalks community facilities commercial development demolition and construction of new housing transitional centre temporary housing
Select necessary contractors or consultants to survey area where inadequate Government surveys are available
6 DETERMMINE AND RECOMMEND ALL IMPROVEMENTS -
Demolitions and construction to meet physical and social objectives of the Programme Input required from Sociologist amp Physical Planner
7 ESTIMATE OF COST FOR ALL ABOVE-
Submit to Financial Controller
8 PREPARE FINAL PLAN-
With aboveand all improvements to yards submit to Minister of Housing for declaration of Area for review
9 SLPERVISE AND MONITOR EXECUTION OF PLAN
NTIOAL URBAN UPCRADTNG PROGRA2
DAF WOLK PLAN - 8fiSICAL GUIDELIES
_________________PUNIG
2 RPAM amp PR-ZLTXN~ARY PLAS
3 -LA RFA NDE- XOPMI LAWS
4AALYSE EXISTING
FOR EACH PROJECT AREA
23 314 I
l __ __f
51 6 7
__ __
8I9
I
10nl
r
r
FIO=S112113 14 15
1
__I__ 1-7
16liii
17 18
RE FACILITIES amp SET PL
o___ __-___I
6DZErYINE amp ECO21D ALL
NING
1_ fII
-F-__---
i __ _
7
_ I i i i
17 ESTIKA7 COST i I I
JJJ 3179
Socio-Economic - Activities required for Target Area
1 Preliminary indentification of area based on inpllt from
census chart Windshield surveys tgeneral knowledge
about major urban areas - time frame expected shy
mon th s
2 Train enumerators Select and train local groups to
conduct surveys of each project area The period of
training is normally one week while the selecting and
recruitment may take as long as one month
3 Start Socio-Economic survey - expected time frame less
than one month for collecting raw data
4 Preliminary data extracted and submitted to Rehabilitation
Coordinator ie income rentals ownership patterns
number of premises with special needs (the problem of
securing adequate information on income ofowner has been
identified but no-workable solution has been found The
exploration of alternative approaches to this problem is
critical to development
5 Coding information from surveys - todate this process
has been accomplished by hand Although providing additional
labor input for the program this process is time consuming
and thoughts should be given toward developing precoded
surveys
6 Socio-Economic Profile developed
7 Analysis and recommendations An assessment of and
establishing criteria for cojnmu1nit-y facilities and
services for the project area List new or improved
services need ie required seats for various school
categories health facilities (need for basic clinic or
other categories) In assessing delivery of services to
the community - ie how can services be improved shy
funds staffing location is better government coordinashy
tion required Can the unit participate in joint planning
with agency responsible for delivering the services at
what functional level does the unit relate to external
agencies
8 Develop Plans Liase with Community Coordinator physical
Planner and other governmental and private agencies to
develop overall plan (social) for target area
9 Assist in implementing plan
a) Assess survey and survey techniques to determine if
data provided methods used are adequate to provide
information required thefor program
b) Informational resources to Community Coordinator and
Field Personnel
c) Monitoring and evaluation of field staff
r- 13 Vl AO QILIN
CD
ELLU-t
S
cj
LP
Cz
UlMilloti
---- --
__ __ _ __ __ __ ___ __ __ __ __
NATIONAL UBAN UPCRADING PROGRAy
CONSTUCTION ACTIVITIES IOT PLAN
I I ONTPS
3 4 F5 6 71 2 8 9 1o 11 12 1 14 15 1 17 18
E DOV - Samp COSTD T--- flR- CO STRUCTIO N I k---I - - - ----- -- - I IiI ~___ _ o~t DIV G -[EAR I II--- II 1ff
5 R-E- COTsRCTO c-ACzAc-rc ---- OR__ A I II
12 or ii j Ij ~ ~ i ishy rT-
TA CT SC u --iI I I I I 9 c O ~ T R s c F c s n c OI A T I I0RE ZE~ D EIP IJ [ I_ _ __ _ __ _ __ _-----__ _ __ _ _ _
mcr 12 -~J-c i
- IJ~~s-16 M4A9
p -Z as i
_________
NATIONAL URBAN UPGRADING PROGRANE
13 v I Y I t8 7
__0MNTHS[2 1 I I 13 4 5 6 9 o0_ 1 12 114 15 1 6 17 18__ _ _ _ __I _ __ __ _ _ __ __ __
(r _LI _ I | - _ _ __ _ _ _ __ _ _ _ _ I ____
Q L IQ MMamp__ t Or _ _ __ _I tI F I I 1 1 - ____ f
NATIONAL URBAN UPGRADING PROGRAMME
3112 7 _0
ONTHS
12 13 14 15 16 17 18
1
I J
F I
I_
_ __
_ ___ _ _ _ __ _ _ __
_ _ _ _ _ _ _ _ _ __
t -
ANNEX A CSTRUCTdC dCOST VARIOUS LOAN -OUNT AT 12 PER ANU 14ONTHLv DAY NTS YEARS amp
C -jTc C SLO ICO amp PERCENTAGE OF INCO-NDT(R ACARDLESS OF SOUCE)
CQ=Plete Enclosure for Kitchen
with sink - 10 - 1 0 -8s X 8
x8 6 x a
Sanitary F-riilities6 fixtures at S23001
i e -oile t _ (2 )Lavatr7 (2)
Shoer (27 Lineas
2500 0020000
200000 160000
16a000
luo0 L2 Lini
Ft Ft
100000
200000
3C000
400000
5C0000
5 vrs jo vrs
14 32223 1435
4449 2870
6674 4305
889s 5739
11123 7174
-
15vrs1c_00
1201
2401
3601
4801
6001
20 vrs(Hosic-
Act0)225 1102 5000
2203 1000
0
3304 15000
4405
20
1000
000
2000
3000
3500
25
1250
250
2500
3-750
4175
50 75
3500 3750
3500 750
3SO90 7500
750o ]125C
850 13425 61 5506 200 0 400 5C0I0050
Shower Star
Ro (Peair]
3x4j 150000
600000
700000
13347 8609
15572 1C29
7202
8402
6607
7708
Z--130 per sq ft
Paving (Yar - area 100per sq ft Stand Pipe poundsu_
6000 10000 COmplete
A vorage CO StcAverag- -Stc ee c-a-
ya d witn e ~ ~~ ~j T o meet t h e mi nim=um u e ts o a ty c l
mwieur estarird- revqtn a total consirdenti oncost of approxi-7ate- 4 49 which would necessitate
Montly payments f a-roxl-aelv S5 r year period for a 20
The lanquage in up to 20 years tc
-ec--ing Act gives a period r repa- for compulsory work
Attachment 2
FOUNDATION FOR COCPERATIVE HOUSING 2101 L STREET NW WASHINGTON DC 20037 bull (202) 857-4100
To James Tucker Director DATE September 28 1978
FROM Jesse Jones FCH
SUBTECT Overall Plan for Each Area
This memo is an extention of my previously suggested draft plan for developing the upgrading plan for specific areas and should be considered as a working document to assist the Unit in definshy
the ingphysical planning process This memo also attempts to pinshypoint graphically the total community concept
The layout or graphic display selected may vary but the essential point is to provide in a Central location a visual display of the area which could include
A) Description of upgrading area
1 Boundaries with a clear defined landuse map
a) Housing
b) Comrmercial
c) Industries (small shops)
d) Vacant buildings and land
2 Public institutions and Community Facilities Map
a) Government Offices - Local Representatives
b) Police stations
c) Post office
d) Public library
e) Health Clinics or hospital
f) Schools i) Basic ii) Day Care
iii) Secondary iv) Trade Training Center
g) Home for Elderly
h) Recreation facilities i) Play Field ii) Park
2
~M E M 0 R A N DUMIFH DATE
TO
FROM
SUBJECT
3 1
~1~-~j~udi
t
t _[UMM R N U ME 0 A D
F0DATE 2 ~7
TO
FROM
SUBJECT
fu
L L -
L I
I A
Uf I)Tc -)
-LL zIT s Nlth rfC
i( I r(2iz 3 t
--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
C) li L c ( ltcc o
Qc C
J--
L4icLStE am shy CI If
-C ~r F~~~~DlA cL
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
rianicinC Acf~ vff icAqu1vd (1 Loan lVoguan
Activities ake Woita a4ea the det~intiaUons aie madec )Lega)L(Uflg the Aeciplent 06 the Loan and pcuton 04 9~oup tcpo~iibUc doampL Acjpaytnt Key to 4-iNallCiatWCOLIZ pCaii-i6 kniowing att the activtiesC kCctLed
1 Idcinuiy ap)Ccait (puon oIL peOi_ csiinb 6op ya id Tlurke aI~e at Ceast thace (3) poui~fa~ mmhip~z ot tenant pa-ttc-w whi~ch couLCd bec Ampo2ns ibt 6oi assiunn the 61uancWa LcsponJ1(LZUus~ 06 homec ipaouIUCIIL Coui Ini tiC Ca-sCZ 06 flec ind4iet) aged ot Govealtment acztcwLampe Wa4aiicact5 aAe necCezsaa)LYf to
2 Vetuuine the uigih~t -to entcI into a binctbi9 contAnc-t 601L tepayjshymcnt and ownu~tsh1 O4 cont)Lof 06I yjaid o Jle)ie
3 I ncome detchm Lnation - deemnj ine and ve4i6yJ otuicc o6 incomre Whe~tIze XI-L0L9( cmpfoymoiut vc61~ ca ti 4Ientat inrme wi th appicopltiUe baze CVL1aicents -to veii6y] Lents liaubts ( csetz)
4 Vcete~unuiie abitity kep4ay - poocems Cean apication on Zean teo0ld AM Docemin dWposable incomne aga-tinst uapoutt 6tonR~ehab iLtUatio n Sec-tion on a imoptov~cmecnt detaiZas ouu ASicwAed (nlounOLt Vi~posnt - ImaxAitiuim Loan cvwitaut ComipLtcd
5 1Uoti y Rehab Sgc-t~on o6 amonoit tentatampcdy appLoved
6 Nottc(e Seltevh Schiv~cc - ~submit~ppIe1tiviinaiJ docunncitz with SLuppmLting data
7 Execute Loan ajppic~zion (I appkove Zoan conttac-t
8 Issue niobiLPzaitioni kc (che -to ColtIac-toi
9 Apvo~vc in-Lot~m payuints based on ccntf6 catiou 6ov WeAS
10 Chaing e oh dcs oa6 oil contulac-t atutholizatiol
11 Sulblli~ 6(iat COOPtwCt doc(enlt6 to SCNCL SCAice basecd on7 Coluvf onl Ccii cate 06~ WOUIin MOOc - issui 6IVA paymenrt appiovatC 6oai job I I Izowttdc1 on Vtaun un iia Znong11 tuii Loan with OWncuteuwJtt and SetlCA Seaiice
1 fRCqCLC5t made 2 Recquest aiicCy4cc1 3 Sftaiu~l 0 ACque4-)t
IlnobU~iza-tioji 6ccm-~s
4 5 To~iiL cfunufa tive
TzadczAn~U Iao anid Sc Cte Scv cc 3 7l5sae muid lmiii LW(12 palplic11(tCCh t~ijc0C4 Putchaw5c oqdeAi6 and iiLct o6 goot5 Lqw~5 7sMtc pajawn ts to couzactc- 6o- dcnmo-Uxonl6 AwipLe aymnint6 to cctaftj oi tic 66nihcd 7 Maintaini invi~toy and stock coltntot
NATIONAL URBAN UPGRADING PROGRAMME
DRAFT WORK PLAN - PHYSICAL GUIDELINES FOR EACH PROJECT AREA
PHYSICAL PLANNING
1 OVERALL BOUNDARY MP-
Prepare in house using input from Town Planning Department Sites and Services or Windshield Survey
2 PREPARE MAP amp PRELIMINARY PLAN-
According to specifications from MOH
3 DECLARE AREA UNDER MOH LAWS
4 REVIEW AND ANALYSE EXISTING CONDITIONS
5 REVIEW FACILITIES AND SET PLANNING OBJECTIVES-
Public sewer water electrical services streets sidewalks community facilities commercial development demolition and construction of new housing transitional centre temporary housing
Select necessary contractors or consultants to survey area where inadequate Government surveys are available
6 DETERMMINE AND RECOMMEND ALL IMPROVEMENTS -
Demolitions and construction to meet physical and social objectives of the Programme Input required from Sociologist amp Physical Planner
7 ESTIMATE OF COST FOR ALL ABOVE-
Submit to Financial Controller
8 PREPARE FINAL PLAN-
With aboveand all improvements to yards submit to Minister of Housing for declaration of Area for review
9 SLPERVISE AND MONITOR EXECUTION OF PLAN
NTIOAL URBAN UPCRADTNG PROGRA2
DAF WOLK PLAN - 8fiSICAL GUIDELIES
_________________PUNIG
2 RPAM amp PR-ZLTXN~ARY PLAS
3 -LA RFA NDE- XOPMI LAWS
4AALYSE EXISTING
FOR EACH PROJECT AREA
23 314 I
l __ __f
51 6 7
__ __
8I9
I
10nl
r
r
FIO=S112113 14 15
1
__I__ 1-7
16liii
17 18
RE FACILITIES amp SET PL
o___ __-___I
6DZErYINE amp ECO21D ALL
NING
1_ fII
-F-__---
i __ _
7
_ I i i i
17 ESTIKA7 COST i I I
JJJ 3179
Socio-Economic - Activities required for Target Area
1 Preliminary indentification of area based on inpllt from
census chart Windshield surveys tgeneral knowledge
about major urban areas - time frame expected shy
mon th s
2 Train enumerators Select and train local groups to
conduct surveys of each project area The period of
training is normally one week while the selecting and
recruitment may take as long as one month
3 Start Socio-Economic survey - expected time frame less
than one month for collecting raw data
4 Preliminary data extracted and submitted to Rehabilitation
Coordinator ie income rentals ownership patterns
number of premises with special needs (the problem of
securing adequate information on income ofowner has been
identified but no-workable solution has been found The
exploration of alternative approaches to this problem is
critical to development
5 Coding information from surveys - todate this process
has been accomplished by hand Although providing additional
labor input for the program this process is time consuming
and thoughts should be given toward developing precoded
surveys
6 Socio-Economic Profile developed
7 Analysis and recommendations An assessment of and
establishing criteria for cojnmu1nit-y facilities and
services for the project area List new or improved
services need ie required seats for various school
categories health facilities (need for basic clinic or
other categories) In assessing delivery of services to
the community - ie how can services be improved shy
funds staffing location is better government coordinashy
tion required Can the unit participate in joint planning
with agency responsible for delivering the services at
what functional level does the unit relate to external
agencies
8 Develop Plans Liase with Community Coordinator physical
Planner and other governmental and private agencies to
develop overall plan (social) for target area
9 Assist in implementing plan
a) Assess survey and survey techniques to determine if
data provided methods used are adequate to provide
information required thefor program
b) Informational resources to Community Coordinator and
Field Personnel
c) Monitoring and evaluation of field staff
r- 13 Vl AO QILIN
CD
ELLU-t
S
cj
LP
Cz
UlMilloti
---- --
__ __ _ __ __ __ ___ __ __ __ __
NATIONAL UBAN UPCRADING PROGRAy
CONSTUCTION ACTIVITIES IOT PLAN
I I ONTPS
3 4 F5 6 71 2 8 9 1o 11 12 1 14 15 1 17 18
E DOV - Samp COSTD T--- flR- CO STRUCTIO N I k---I - - - ----- -- - I IiI ~___ _ o~t DIV G -[EAR I II--- II 1ff
5 R-E- COTsRCTO c-ACzAc-rc ---- OR__ A I II
12 or ii j Ij ~ ~ i ishy rT-
TA CT SC u --iI I I I I 9 c O ~ T R s c F c s n c OI A T I I0RE ZE~ D EIP IJ [ I_ _ __ _ __ _ __ _-----__ _ __ _ _ _
mcr 12 -~J-c i
- IJ~~s-16 M4A9
p -Z as i
_________
NATIONAL URBAN UPGRADING PROGRANE
13 v I Y I t8 7
__0MNTHS[2 1 I I 13 4 5 6 9 o0_ 1 12 114 15 1 6 17 18__ _ _ _ __I _ __ __ _ _ __ __ __
(r _LI _ I | - _ _ __ _ _ _ __ _ _ _ _ I ____
Q L IQ MMamp__ t Or _ _ __ _I tI F I I 1 1 - ____ f
NATIONAL URBAN UPGRADING PROGRAMME
3112 7 _0
ONTHS
12 13 14 15 16 17 18
1
I J
F I
I_
_ __
_ ___ _ _ _ __ _ _ __
_ _ _ _ _ _ _ _ _ __
t -
ANNEX A CSTRUCTdC dCOST VARIOUS LOAN -OUNT AT 12 PER ANU 14ONTHLv DAY NTS YEARS amp
C -jTc C SLO ICO amp PERCENTAGE OF INCO-NDT(R ACARDLESS OF SOUCE)
CQ=Plete Enclosure for Kitchen
with sink - 10 - 1 0 -8s X 8
x8 6 x a
Sanitary F-riilities6 fixtures at S23001
i e -oile t _ (2 )Lavatr7 (2)
Shoer (27 Lineas
2500 0020000
200000 160000
16a000
luo0 L2 Lini
Ft Ft
100000
200000
3C000
400000
5C0000
5 vrs jo vrs
14 32223 1435
4449 2870
6674 4305
889s 5739
11123 7174
-
15vrs1c_00
1201
2401
3601
4801
6001
20 vrs(Hosic-
Act0)225 1102 5000
2203 1000
0
3304 15000
4405
20
1000
000
2000
3000
3500
25
1250
250
2500
3-750
4175
50 75
3500 3750
3500 750
3SO90 7500
750o ]125C
850 13425 61 5506 200 0 400 5C0I0050
Shower Star
Ro (Peair]
3x4j 150000
600000
700000
13347 8609
15572 1C29
7202
8402
6607
7708
Z--130 per sq ft
Paving (Yar - area 100per sq ft Stand Pipe poundsu_
6000 10000 COmplete
A vorage CO StcAverag- -Stc ee c-a-
ya d witn e ~ ~~ ~j T o meet t h e mi nim=um u e ts o a ty c l
mwieur estarird- revqtn a total consirdenti oncost of approxi-7ate- 4 49 which would necessitate
Montly payments f a-roxl-aelv S5 r year period for a 20
The lanquage in up to 20 years tc
-ec--ing Act gives a period r repa- for compulsory work
Attachment 2
FOUNDATION FOR COCPERATIVE HOUSING 2101 L STREET NW WASHINGTON DC 20037 bull (202) 857-4100
To James Tucker Director DATE September 28 1978
FROM Jesse Jones FCH
SUBTECT Overall Plan for Each Area
This memo is an extention of my previously suggested draft plan for developing the upgrading plan for specific areas and should be considered as a working document to assist the Unit in definshy
the ingphysical planning process This memo also attempts to pinshypoint graphically the total community concept
The layout or graphic display selected may vary but the essential point is to provide in a Central location a visual display of the area which could include
A) Description of upgrading area
1 Boundaries with a clear defined landuse map
a) Housing
b) Comrmercial
c) Industries (small shops)
d) Vacant buildings and land
2 Public institutions and Community Facilities Map
a) Government Offices - Local Representatives
b) Police stations
c) Post office
d) Public library
e) Health Clinics or hospital
f) Schools i) Basic ii) Day Care
iii) Secondary iv) Trade Training Center
g) Home for Elderly
h) Recreation facilities i) Play Field ii) Park
2
~M E M 0 R A N DUMIFH DATE
TO
FROM
SUBJECT
3 1
~1~-~j~udi
t
t _[UMM R N U ME 0 A D
F0DATE 2 ~7
TO
FROM
SUBJECT
fu
L L -
L I
I A
Uf I)Tc -)
-LL zIT s Nlth rfC
i( I r(2iz 3 t
--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
C) li L c ( ltcc o
Qc C
J--
L4icLStE am shy CI If
-C ~r F~~~~DlA cL
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
1 fRCqCLC5t made 2 Recquest aiicCy4cc1 3 Sftaiu~l 0 ACque4-)t
IlnobU~iza-tioji 6ccm-~s
4 5 To~iiL cfunufa tive
TzadczAn~U Iao anid Sc Cte Scv cc 3 7l5sae muid lmiii LW(12 palplic11(tCCh t~ijc0C4 Putchaw5c oqdeAi6 and iiLct o6 goot5 Lqw~5 7sMtc pajawn ts to couzactc- 6o- dcnmo-Uxonl6 AwipLe aymnint6 to cctaftj oi tic 66nihcd 7 Maintaini invi~toy and stock coltntot
NATIONAL URBAN UPGRADING PROGRAMME
DRAFT WORK PLAN - PHYSICAL GUIDELINES FOR EACH PROJECT AREA
PHYSICAL PLANNING
1 OVERALL BOUNDARY MP-
Prepare in house using input from Town Planning Department Sites and Services or Windshield Survey
2 PREPARE MAP amp PRELIMINARY PLAN-
According to specifications from MOH
3 DECLARE AREA UNDER MOH LAWS
4 REVIEW AND ANALYSE EXISTING CONDITIONS
5 REVIEW FACILITIES AND SET PLANNING OBJECTIVES-
Public sewer water electrical services streets sidewalks community facilities commercial development demolition and construction of new housing transitional centre temporary housing
Select necessary contractors or consultants to survey area where inadequate Government surveys are available
6 DETERMMINE AND RECOMMEND ALL IMPROVEMENTS -
Demolitions and construction to meet physical and social objectives of the Programme Input required from Sociologist amp Physical Planner
7 ESTIMATE OF COST FOR ALL ABOVE-
Submit to Financial Controller
8 PREPARE FINAL PLAN-
With aboveand all improvements to yards submit to Minister of Housing for declaration of Area for review
9 SLPERVISE AND MONITOR EXECUTION OF PLAN
NTIOAL URBAN UPCRADTNG PROGRA2
DAF WOLK PLAN - 8fiSICAL GUIDELIES
_________________PUNIG
2 RPAM amp PR-ZLTXN~ARY PLAS
3 -LA RFA NDE- XOPMI LAWS
4AALYSE EXISTING
FOR EACH PROJECT AREA
23 314 I
l __ __f
51 6 7
__ __
8I9
I
10nl
r
r
FIO=S112113 14 15
1
__I__ 1-7
16liii
17 18
RE FACILITIES amp SET PL
o___ __-___I
6DZErYINE amp ECO21D ALL
NING
1_ fII
-F-__---
i __ _
7
_ I i i i
17 ESTIKA7 COST i I I
JJJ 3179
Socio-Economic - Activities required for Target Area
1 Preliminary indentification of area based on inpllt from
census chart Windshield surveys tgeneral knowledge
about major urban areas - time frame expected shy
mon th s
2 Train enumerators Select and train local groups to
conduct surveys of each project area The period of
training is normally one week while the selecting and
recruitment may take as long as one month
3 Start Socio-Economic survey - expected time frame less
than one month for collecting raw data
4 Preliminary data extracted and submitted to Rehabilitation
Coordinator ie income rentals ownership patterns
number of premises with special needs (the problem of
securing adequate information on income ofowner has been
identified but no-workable solution has been found The
exploration of alternative approaches to this problem is
critical to development
5 Coding information from surveys - todate this process
has been accomplished by hand Although providing additional
labor input for the program this process is time consuming
and thoughts should be given toward developing precoded
surveys
6 Socio-Economic Profile developed
7 Analysis and recommendations An assessment of and
establishing criteria for cojnmu1nit-y facilities and
services for the project area List new or improved
services need ie required seats for various school
categories health facilities (need for basic clinic or
other categories) In assessing delivery of services to
the community - ie how can services be improved shy
funds staffing location is better government coordinashy
tion required Can the unit participate in joint planning
with agency responsible for delivering the services at
what functional level does the unit relate to external
agencies
8 Develop Plans Liase with Community Coordinator physical
Planner and other governmental and private agencies to
develop overall plan (social) for target area
9 Assist in implementing plan
a) Assess survey and survey techniques to determine if
data provided methods used are adequate to provide
information required thefor program
b) Informational resources to Community Coordinator and
Field Personnel
c) Monitoring and evaluation of field staff
r- 13 Vl AO QILIN
CD
ELLU-t
S
cj
LP
Cz
UlMilloti
---- --
__ __ _ __ __ __ ___ __ __ __ __
NATIONAL UBAN UPCRADING PROGRAy
CONSTUCTION ACTIVITIES IOT PLAN
I I ONTPS
3 4 F5 6 71 2 8 9 1o 11 12 1 14 15 1 17 18
E DOV - Samp COSTD T--- flR- CO STRUCTIO N I k---I - - - ----- -- - I IiI ~___ _ o~t DIV G -[EAR I II--- II 1ff
5 R-E- COTsRCTO c-ACzAc-rc ---- OR__ A I II
12 or ii j Ij ~ ~ i ishy rT-
TA CT SC u --iI I I I I 9 c O ~ T R s c F c s n c OI A T I I0RE ZE~ D EIP IJ [ I_ _ __ _ __ _ __ _-----__ _ __ _ _ _
mcr 12 -~J-c i
- IJ~~s-16 M4A9
p -Z as i
_________
NATIONAL URBAN UPGRADING PROGRANE
13 v I Y I t8 7
__0MNTHS[2 1 I I 13 4 5 6 9 o0_ 1 12 114 15 1 6 17 18__ _ _ _ __I _ __ __ _ _ __ __ __
(r _LI _ I | - _ _ __ _ _ _ __ _ _ _ _ I ____
Q L IQ MMamp__ t Or _ _ __ _I tI F I I 1 1 - ____ f
NATIONAL URBAN UPGRADING PROGRAMME
3112 7 _0
ONTHS
12 13 14 15 16 17 18
1
I J
F I
I_
_ __
_ ___ _ _ _ __ _ _ __
_ _ _ _ _ _ _ _ _ __
t -
ANNEX A CSTRUCTdC dCOST VARIOUS LOAN -OUNT AT 12 PER ANU 14ONTHLv DAY NTS YEARS amp
C -jTc C SLO ICO amp PERCENTAGE OF INCO-NDT(R ACARDLESS OF SOUCE)
CQ=Plete Enclosure for Kitchen
with sink - 10 - 1 0 -8s X 8
x8 6 x a
Sanitary F-riilities6 fixtures at S23001
i e -oile t _ (2 )Lavatr7 (2)
Shoer (27 Lineas
2500 0020000
200000 160000
16a000
luo0 L2 Lini
Ft Ft
100000
200000
3C000
400000
5C0000
5 vrs jo vrs
14 32223 1435
4449 2870
6674 4305
889s 5739
11123 7174
-
15vrs1c_00
1201
2401
3601
4801
6001
20 vrs(Hosic-
Act0)225 1102 5000
2203 1000
0
3304 15000
4405
20
1000
000
2000
3000
3500
25
1250
250
2500
3-750
4175
50 75
3500 3750
3500 750
3SO90 7500
750o ]125C
850 13425 61 5506 200 0 400 5C0I0050
Shower Star
Ro (Peair]
3x4j 150000
600000
700000
13347 8609
15572 1C29
7202
8402
6607
7708
Z--130 per sq ft
Paving (Yar - area 100per sq ft Stand Pipe poundsu_
6000 10000 COmplete
A vorage CO StcAverag- -Stc ee c-a-
ya d witn e ~ ~~ ~j T o meet t h e mi nim=um u e ts o a ty c l
mwieur estarird- revqtn a total consirdenti oncost of approxi-7ate- 4 49 which would necessitate
Montly payments f a-roxl-aelv S5 r year period for a 20
The lanquage in up to 20 years tc
-ec--ing Act gives a period r repa- for compulsory work
Attachment 2
FOUNDATION FOR COCPERATIVE HOUSING 2101 L STREET NW WASHINGTON DC 20037 bull (202) 857-4100
To James Tucker Director DATE September 28 1978
FROM Jesse Jones FCH
SUBTECT Overall Plan for Each Area
This memo is an extention of my previously suggested draft plan for developing the upgrading plan for specific areas and should be considered as a working document to assist the Unit in definshy
the ingphysical planning process This memo also attempts to pinshypoint graphically the total community concept
The layout or graphic display selected may vary but the essential point is to provide in a Central location a visual display of the area which could include
A) Description of upgrading area
1 Boundaries with a clear defined landuse map
a) Housing
b) Comrmercial
c) Industries (small shops)
d) Vacant buildings and land
2 Public institutions and Community Facilities Map
a) Government Offices - Local Representatives
b) Police stations
c) Post office
d) Public library
e) Health Clinics or hospital
f) Schools i) Basic ii) Day Care
iii) Secondary iv) Trade Training Center
g) Home for Elderly
h) Recreation facilities i) Play Field ii) Park
2
~M E M 0 R A N DUMIFH DATE
TO
FROM
SUBJECT
3 1
~1~-~j~udi
t
t _[UMM R N U ME 0 A D
F0DATE 2 ~7
TO
FROM
SUBJECT
fu
L L -
L I
I A
Uf I)Tc -)
-LL zIT s Nlth rfC
i( I r(2iz 3 t
--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
C) li L c ( ltcc o
Qc C
J--
L4icLStE am shy CI If
-C ~r F~~~~DlA cL
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
NATIONAL URBAN UPGRADING PROGRAMME
DRAFT WORK PLAN - PHYSICAL GUIDELINES FOR EACH PROJECT AREA
PHYSICAL PLANNING
1 OVERALL BOUNDARY MP-
Prepare in house using input from Town Planning Department Sites and Services or Windshield Survey
2 PREPARE MAP amp PRELIMINARY PLAN-
According to specifications from MOH
3 DECLARE AREA UNDER MOH LAWS
4 REVIEW AND ANALYSE EXISTING CONDITIONS
5 REVIEW FACILITIES AND SET PLANNING OBJECTIVES-
Public sewer water electrical services streets sidewalks community facilities commercial development demolition and construction of new housing transitional centre temporary housing
Select necessary contractors or consultants to survey area where inadequate Government surveys are available
6 DETERMMINE AND RECOMMEND ALL IMPROVEMENTS -
Demolitions and construction to meet physical and social objectives of the Programme Input required from Sociologist amp Physical Planner
7 ESTIMATE OF COST FOR ALL ABOVE-
Submit to Financial Controller
8 PREPARE FINAL PLAN-
With aboveand all improvements to yards submit to Minister of Housing for declaration of Area for review
9 SLPERVISE AND MONITOR EXECUTION OF PLAN
NTIOAL URBAN UPCRADTNG PROGRA2
DAF WOLK PLAN - 8fiSICAL GUIDELIES
_________________PUNIG
2 RPAM amp PR-ZLTXN~ARY PLAS
3 -LA RFA NDE- XOPMI LAWS
4AALYSE EXISTING
FOR EACH PROJECT AREA
23 314 I
l __ __f
51 6 7
__ __
8I9
I
10nl
r
r
FIO=S112113 14 15
1
__I__ 1-7
16liii
17 18
RE FACILITIES amp SET PL
o___ __-___I
6DZErYINE amp ECO21D ALL
NING
1_ fII
-F-__---
i __ _
7
_ I i i i
17 ESTIKA7 COST i I I
JJJ 3179
Socio-Economic - Activities required for Target Area
1 Preliminary indentification of area based on inpllt from
census chart Windshield surveys tgeneral knowledge
about major urban areas - time frame expected shy
mon th s
2 Train enumerators Select and train local groups to
conduct surveys of each project area The period of
training is normally one week while the selecting and
recruitment may take as long as one month
3 Start Socio-Economic survey - expected time frame less
than one month for collecting raw data
4 Preliminary data extracted and submitted to Rehabilitation
Coordinator ie income rentals ownership patterns
number of premises with special needs (the problem of
securing adequate information on income ofowner has been
identified but no-workable solution has been found The
exploration of alternative approaches to this problem is
critical to development
5 Coding information from surveys - todate this process
has been accomplished by hand Although providing additional
labor input for the program this process is time consuming
and thoughts should be given toward developing precoded
surveys
6 Socio-Economic Profile developed
7 Analysis and recommendations An assessment of and
establishing criteria for cojnmu1nit-y facilities and
services for the project area List new or improved
services need ie required seats for various school
categories health facilities (need for basic clinic or
other categories) In assessing delivery of services to
the community - ie how can services be improved shy
funds staffing location is better government coordinashy
tion required Can the unit participate in joint planning
with agency responsible for delivering the services at
what functional level does the unit relate to external
agencies
8 Develop Plans Liase with Community Coordinator physical
Planner and other governmental and private agencies to
develop overall plan (social) for target area
9 Assist in implementing plan
a) Assess survey and survey techniques to determine if
data provided methods used are adequate to provide
information required thefor program
b) Informational resources to Community Coordinator and
Field Personnel
c) Monitoring and evaluation of field staff
r- 13 Vl AO QILIN
CD
ELLU-t
S
cj
LP
Cz
UlMilloti
---- --
__ __ _ __ __ __ ___ __ __ __ __
NATIONAL UBAN UPCRADING PROGRAy
CONSTUCTION ACTIVITIES IOT PLAN
I I ONTPS
3 4 F5 6 71 2 8 9 1o 11 12 1 14 15 1 17 18
E DOV - Samp COSTD T--- flR- CO STRUCTIO N I k---I - - - ----- -- - I IiI ~___ _ o~t DIV G -[EAR I II--- II 1ff
5 R-E- COTsRCTO c-ACzAc-rc ---- OR__ A I II
12 or ii j Ij ~ ~ i ishy rT-
TA CT SC u --iI I I I I 9 c O ~ T R s c F c s n c OI A T I I0RE ZE~ D EIP IJ [ I_ _ __ _ __ _ __ _-----__ _ __ _ _ _
mcr 12 -~J-c i
- IJ~~s-16 M4A9
p -Z as i
_________
NATIONAL URBAN UPGRADING PROGRANE
13 v I Y I t8 7
__0MNTHS[2 1 I I 13 4 5 6 9 o0_ 1 12 114 15 1 6 17 18__ _ _ _ __I _ __ __ _ _ __ __ __
(r _LI _ I | - _ _ __ _ _ _ __ _ _ _ _ I ____
Q L IQ MMamp__ t Or _ _ __ _I tI F I I 1 1 - ____ f
NATIONAL URBAN UPGRADING PROGRAMME
3112 7 _0
ONTHS
12 13 14 15 16 17 18
1
I J
F I
I_
_ __
_ ___ _ _ _ __ _ _ __
_ _ _ _ _ _ _ _ _ __
t -
ANNEX A CSTRUCTdC dCOST VARIOUS LOAN -OUNT AT 12 PER ANU 14ONTHLv DAY NTS YEARS amp
C -jTc C SLO ICO amp PERCENTAGE OF INCO-NDT(R ACARDLESS OF SOUCE)
CQ=Plete Enclosure for Kitchen
with sink - 10 - 1 0 -8s X 8
x8 6 x a
Sanitary F-riilities6 fixtures at S23001
i e -oile t _ (2 )Lavatr7 (2)
Shoer (27 Lineas
2500 0020000
200000 160000
16a000
luo0 L2 Lini
Ft Ft
100000
200000
3C000
400000
5C0000
5 vrs jo vrs
14 32223 1435
4449 2870
6674 4305
889s 5739
11123 7174
-
15vrs1c_00
1201
2401
3601
4801
6001
20 vrs(Hosic-
Act0)225 1102 5000
2203 1000
0
3304 15000
4405
20
1000
000
2000
3000
3500
25
1250
250
2500
3-750
4175
50 75
3500 3750
3500 750
3SO90 7500
750o ]125C
850 13425 61 5506 200 0 400 5C0I0050
Shower Star
Ro (Peair]
3x4j 150000
600000
700000
13347 8609
15572 1C29
7202
8402
6607
7708
Z--130 per sq ft
Paving (Yar - area 100per sq ft Stand Pipe poundsu_
6000 10000 COmplete
A vorage CO StcAverag- -Stc ee c-a-
ya d witn e ~ ~~ ~j T o meet t h e mi nim=um u e ts o a ty c l
mwieur estarird- revqtn a total consirdenti oncost of approxi-7ate- 4 49 which would necessitate
Montly payments f a-roxl-aelv S5 r year period for a 20
The lanquage in up to 20 years tc
-ec--ing Act gives a period r repa- for compulsory work
Attachment 2
FOUNDATION FOR COCPERATIVE HOUSING 2101 L STREET NW WASHINGTON DC 20037 bull (202) 857-4100
To James Tucker Director DATE September 28 1978
FROM Jesse Jones FCH
SUBTECT Overall Plan for Each Area
This memo is an extention of my previously suggested draft plan for developing the upgrading plan for specific areas and should be considered as a working document to assist the Unit in definshy
the ingphysical planning process This memo also attempts to pinshypoint graphically the total community concept
The layout or graphic display selected may vary but the essential point is to provide in a Central location a visual display of the area which could include
A) Description of upgrading area
1 Boundaries with a clear defined landuse map
a) Housing
b) Comrmercial
c) Industries (small shops)
d) Vacant buildings and land
2 Public institutions and Community Facilities Map
a) Government Offices - Local Representatives
b) Police stations
c) Post office
d) Public library
e) Health Clinics or hospital
f) Schools i) Basic ii) Day Care
iii) Secondary iv) Trade Training Center
g) Home for Elderly
h) Recreation facilities i) Play Field ii) Park
2
~M E M 0 R A N DUMIFH DATE
TO
FROM
SUBJECT
3 1
~1~-~j~udi
t
t _[UMM R N U ME 0 A D
F0DATE 2 ~7
TO
FROM
SUBJECT
fu
L L -
L I
I A
Uf I)Tc -)
-LL zIT s Nlth rfC
i( I r(2iz 3 t
--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
C) li L c ( ltcc o
Qc C
J--
L4icLStE am shy CI If
-C ~r F~~~~DlA cL
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
NTIOAL URBAN UPCRADTNG PROGRA2
DAF WOLK PLAN - 8fiSICAL GUIDELIES
_________________PUNIG
2 RPAM amp PR-ZLTXN~ARY PLAS
3 -LA RFA NDE- XOPMI LAWS
4AALYSE EXISTING
FOR EACH PROJECT AREA
23 314 I
l __ __f
51 6 7
__ __
8I9
I
10nl
r
r
FIO=S112113 14 15
1
__I__ 1-7
16liii
17 18
RE FACILITIES amp SET PL
o___ __-___I
6DZErYINE amp ECO21D ALL
NING
1_ fII
-F-__---
i __ _
7
_ I i i i
17 ESTIKA7 COST i I I
JJJ 3179
Socio-Economic - Activities required for Target Area
1 Preliminary indentification of area based on inpllt from
census chart Windshield surveys tgeneral knowledge
about major urban areas - time frame expected shy
mon th s
2 Train enumerators Select and train local groups to
conduct surveys of each project area The period of
training is normally one week while the selecting and
recruitment may take as long as one month
3 Start Socio-Economic survey - expected time frame less
than one month for collecting raw data
4 Preliminary data extracted and submitted to Rehabilitation
Coordinator ie income rentals ownership patterns
number of premises with special needs (the problem of
securing adequate information on income ofowner has been
identified but no-workable solution has been found The
exploration of alternative approaches to this problem is
critical to development
5 Coding information from surveys - todate this process
has been accomplished by hand Although providing additional
labor input for the program this process is time consuming
and thoughts should be given toward developing precoded
surveys
6 Socio-Economic Profile developed
7 Analysis and recommendations An assessment of and
establishing criteria for cojnmu1nit-y facilities and
services for the project area List new or improved
services need ie required seats for various school
categories health facilities (need for basic clinic or
other categories) In assessing delivery of services to
the community - ie how can services be improved shy
funds staffing location is better government coordinashy
tion required Can the unit participate in joint planning
with agency responsible for delivering the services at
what functional level does the unit relate to external
agencies
8 Develop Plans Liase with Community Coordinator physical
Planner and other governmental and private agencies to
develop overall plan (social) for target area
9 Assist in implementing plan
a) Assess survey and survey techniques to determine if
data provided methods used are adequate to provide
information required thefor program
b) Informational resources to Community Coordinator and
Field Personnel
c) Monitoring and evaluation of field staff
r- 13 Vl AO QILIN
CD
ELLU-t
S
cj
LP
Cz
UlMilloti
---- --
__ __ _ __ __ __ ___ __ __ __ __
NATIONAL UBAN UPCRADING PROGRAy
CONSTUCTION ACTIVITIES IOT PLAN
I I ONTPS
3 4 F5 6 71 2 8 9 1o 11 12 1 14 15 1 17 18
E DOV - Samp COSTD T--- flR- CO STRUCTIO N I k---I - - - ----- -- - I IiI ~___ _ o~t DIV G -[EAR I II--- II 1ff
5 R-E- COTsRCTO c-ACzAc-rc ---- OR__ A I II
12 or ii j Ij ~ ~ i ishy rT-
TA CT SC u --iI I I I I 9 c O ~ T R s c F c s n c OI A T I I0RE ZE~ D EIP IJ [ I_ _ __ _ __ _ __ _-----__ _ __ _ _ _
mcr 12 -~J-c i
- IJ~~s-16 M4A9
p -Z as i
_________
NATIONAL URBAN UPGRADING PROGRANE
13 v I Y I t8 7
__0MNTHS[2 1 I I 13 4 5 6 9 o0_ 1 12 114 15 1 6 17 18__ _ _ _ __I _ __ __ _ _ __ __ __
(r _LI _ I | - _ _ __ _ _ _ __ _ _ _ _ I ____
Q L IQ MMamp__ t Or _ _ __ _I tI F I I 1 1 - ____ f
NATIONAL URBAN UPGRADING PROGRAMME
3112 7 _0
ONTHS
12 13 14 15 16 17 18
1
I J
F I
I_
_ __
_ ___ _ _ _ __ _ _ __
_ _ _ _ _ _ _ _ _ __
t -
ANNEX A CSTRUCTdC dCOST VARIOUS LOAN -OUNT AT 12 PER ANU 14ONTHLv DAY NTS YEARS amp
C -jTc C SLO ICO amp PERCENTAGE OF INCO-NDT(R ACARDLESS OF SOUCE)
CQ=Plete Enclosure for Kitchen
with sink - 10 - 1 0 -8s X 8
x8 6 x a
Sanitary F-riilities6 fixtures at S23001
i e -oile t _ (2 )Lavatr7 (2)
Shoer (27 Lineas
2500 0020000
200000 160000
16a000
luo0 L2 Lini
Ft Ft
100000
200000
3C000
400000
5C0000
5 vrs jo vrs
14 32223 1435
4449 2870
6674 4305
889s 5739
11123 7174
-
15vrs1c_00
1201
2401
3601
4801
6001
20 vrs(Hosic-
Act0)225 1102 5000
2203 1000
0
3304 15000
4405
20
1000
000
2000
3000
3500
25
1250
250
2500
3-750
4175
50 75
3500 3750
3500 750
3SO90 7500
750o ]125C
850 13425 61 5506 200 0 400 5C0I0050
Shower Star
Ro (Peair]
3x4j 150000
600000
700000
13347 8609
15572 1C29
7202
8402
6607
7708
Z--130 per sq ft
Paving (Yar - area 100per sq ft Stand Pipe poundsu_
6000 10000 COmplete
A vorage CO StcAverag- -Stc ee c-a-
ya d witn e ~ ~~ ~j T o meet t h e mi nim=um u e ts o a ty c l
mwieur estarird- revqtn a total consirdenti oncost of approxi-7ate- 4 49 which would necessitate
Montly payments f a-roxl-aelv S5 r year period for a 20
The lanquage in up to 20 years tc
-ec--ing Act gives a period r repa- for compulsory work
Attachment 2
FOUNDATION FOR COCPERATIVE HOUSING 2101 L STREET NW WASHINGTON DC 20037 bull (202) 857-4100
To James Tucker Director DATE September 28 1978
FROM Jesse Jones FCH
SUBTECT Overall Plan for Each Area
This memo is an extention of my previously suggested draft plan for developing the upgrading plan for specific areas and should be considered as a working document to assist the Unit in definshy
the ingphysical planning process This memo also attempts to pinshypoint graphically the total community concept
The layout or graphic display selected may vary but the essential point is to provide in a Central location a visual display of the area which could include
A) Description of upgrading area
1 Boundaries with a clear defined landuse map
a) Housing
b) Comrmercial
c) Industries (small shops)
d) Vacant buildings and land
2 Public institutions and Community Facilities Map
a) Government Offices - Local Representatives
b) Police stations
c) Post office
d) Public library
e) Health Clinics or hospital
f) Schools i) Basic ii) Day Care
iii) Secondary iv) Trade Training Center
g) Home for Elderly
h) Recreation facilities i) Play Field ii) Park
2
~M E M 0 R A N DUMIFH DATE
TO
FROM
SUBJECT
3 1
~1~-~j~udi
t
t _[UMM R N U ME 0 A D
F0DATE 2 ~7
TO
FROM
SUBJECT
fu
L L -
L I
I A
Uf I)Tc -)
-LL zIT s Nlth rfC
i( I r(2iz 3 t
--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
C) li L c ( ltcc o
Qc C
J--
L4icLStE am shy CI If
-C ~r F~~~~DlA cL
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
Socio-Economic - Activities required for Target Area
1 Preliminary indentification of area based on inpllt from
census chart Windshield surveys tgeneral knowledge
about major urban areas - time frame expected shy
mon th s
2 Train enumerators Select and train local groups to
conduct surveys of each project area The period of
training is normally one week while the selecting and
recruitment may take as long as one month
3 Start Socio-Economic survey - expected time frame less
than one month for collecting raw data
4 Preliminary data extracted and submitted to Rehabilitation
Coordinator ie income rentals ownership patterns
number of premises with special needs (the problem of
securing adequate information on income ofowner has been
identified but no-workable solution has been found The
exploration of alternative approaches to this problem is
critical to development
5 Coding information from surveys - todate this process
has been accomplished by hand Although providing additional
labor input for the program this process is time consuming
and thoughts should be given toward developing precoded
surveys
6 Socio-Economic Profile developed
7 Analysis and recommendations An assessment of and
establishing criteria for cojnmu1nit-y facilities and
services for the project area List new or improved
services need ie required seats for various school
categories health facilities (need for basic clinic or
other categories) In assessing delivery of services to
the community - ie how can services be improved shy
funds staffing location is better government coordinashy
tion required Can the unit participate in joint planning
with agency responsible for delivering the services at
what functional level does the unit relate to external
agencies
8 Develop Plans Liase with Community Coordinator physical
Planner and other governmental and private agencies to
develop overall plan (social) for target area
9 Assist in implementing plan
a) Assess survey and survey techniques to determine if
data provided methods used are adequate to provide
information required thefor program
b) Informational resources to Community Coordinator and
Field Personnel
c) Monitoring and evaluation of field staff
r- 13 Vl AO QILIN
CD
ELLU-t
S
cj
LP
Cz
UlMilloti
---- --
__ __ _ __ __ __ ___ __ __ __ __
NATIONAL UBAN UPCRADING PROGRAy
CONSTUCTION ACTIVITIES IOT PLAN
I I ONTPS
3 4 F5 6 71 2 8 9 1o 11 12 1 14 15 1 17 18
E DOV - Samp COSTD T--- flR- CO STRUCTIO N I k---I - - - ----- -- - I IiI ~___ _ o~t DIV G -[EAR I II--- II 1ff
5 R-E- COTsRCTO c-ACzAc-rc ---- OR__ A I II
12 or ii j Ij ~ ~ i ishy rT-
TA CT SC u --iI I I I I 9 c O ~ T R s c F c s n c OI A T I I0RE ZE~ D EIP IJ [ I_ _ __ _ __ _ __ _-----__ _ __ _ _ _
mcr 12 -~J-c i
- IJ~~s-16 M4A9
p -Z as i
_________
NATIONAL URBAN UPGRADING PROGRANE
13 v I Y I t8 7
__0MNTHS[2 1 I I 13 4 5 6 9 o0_ 1 12 114 15 1 6 17 18__ _ _ _ __I _ __ __ _ _ __ __ __
(r _LI _ I | - _ _ __ _ _ _ __ _ _ _ _ I ____
Q L IQ MMamp__ t Or _ _ __ _I tI F I I 1 1 - ____ f
NATIONAL URBAN UPGRADING PROGRAMME
3112 7 _0
ONTHS
12 13 14 15 16 17 18
1
I J
F I
I_
_ __
_ ___ _ _ _ __ _ _ __
_ _ _ _ _ _ _ _ _ __
t -
ANNEX A CSTRUCTdC dCOST VARIOUS LOAN -OUNT AT 12 PER ANU 14ONTHLv DAY NTS YEARS amp
C -jTc C SLO ICO amp PERCENTAGE OF INCO-NDT(R ACARDLESS OF SOUCE)
CQ=Plete Enclosure for Kitchen
with sink - 10 - 1 0 -8s X 8
x8 6 x a
Sanitary F-riilities6 fixtures at S23001
i e -oile t _ (2 )Lavatr7 (2)
Shoer (27 Lineas
2500 0020000
200000 160000
16a000
luo0 L2 Lini
Ft Ft
100000
200000
3C000
400000
5C0000
5 vrs jo vrs
14 32223 1435
4449 2870
6674 4305
889s 5739
11123 7174
-
15vrs1c_00
1201
2401
3601
4801
6001
20 vrs(Hosic-
Act0)225 1102 5000
2203 1000
0
3304 15000
4405
20
1000
000
2000
3000
3500
25
1250
250
2500
3-750
4175
50 75
3500 3750
3500 750
3SO90 7500
750o ]125C
850 13425 61 5506 200 0 400 5C0I0050
Shower Star
Ro (Peair]
3x4j 150000
600000
700000
13347 8609
15572 1C29
7202
8402
6607
7708
Z--130 per sq ft
Paving (Yar - area 100per sq ft Stand Pipe poundsu_
6000 10000 COmplete
A vorage CO StcAverag- -Stc ee c-a-
ya d witn e ~ ~~ ~j T o meet t h e mi nim=um u e ts o a ty c l
mwieur estarird- revqtn a total consirdenti oncost of approxi-7ate- 4 49 which would necessitate
Montly payments f a-roxl-aelv S5 r year period for a 20
The lanquage in up to 20 years tc
-ec--ing Act gives a period r repa- for compulsory work
Attachment 2
FOUNDATION FOR COCPERATIVE HOUSING 2101 L STREET NW WASHINGTON DC 20037 bull (202) 857-4100
To James Tucker Director DATE September 28 1978
FROM Jesse Jones FCH
SUBTECT Overall Plan for Each Area
This memo is an extention of my previously suggested draft plan for developing the upgrading plan for specific areas and should be considered as a working document to assist the Unit in definshy
the ingphysical planning process This memo also attempts to pinshypoint graphically the total community concept
The layout or graphic display selected may vary but the essential point is to provide in a Central location a visual display of the area which could include
A) Description of upgrading area
1 Boundaries with a clear defined landuse map
a) Housing
b) Comrmercial
c) Industries (small shops)
d) Vacant buildings and land
2 Public institutions and Community Facilities Map
a) Government Offices - Local Representatives
b) Police stations
c) Post office
d) Public library
e) Health Clinics or hospital
f) Schools i) Basic ii) Day Care
iii) Secondary iv) Trade Training Center
g) Home for Elderly
h) Recreation facilities i) Play Field ii) Park
2
~M E M 0 R A N DUMIFH DATE
TO
FROM
SUBJECT
3 1
~1~-~j~udi
t
t _[UMM R N U ME 0 A D
F0DATE 2 ~7
TO
FROM
SUBJECT
fu
L L -
L I
I A
Uf I)Tc -)
-LL zIT s Nlth rfC
i( I r(2iz 3 t
--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
C) li L c ( ltcc o
Qc C
J--
L4icLStE am shy CI If
-C ~r F~~~~DlA cL
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
7 Analysis and recommendations An assessment of and
establishing criteria for cojnmu1nit-y facilities and
services for the project area List new or improved
services need ie required seats for various school
categories health facilities (need for basic clinic or
other categories) In assessing delivery of services to
the community - ie how can services be improved shy
funds staffing location is better government coordinashy
tion required Can the unit participate in joint planning
with agency responsible for delivering the services at
what functional level does the unit relate to external
agencies
8 Develop Plans Liase with Community Coordinator physical
Planner and other governmental and private agencies to
develop overall plan (social) for target area
9 Assist in implementing plan
a) Assess survey and survey techniques to determine if
data provided methods used are adequate to provide
information required thefor program
b) Informational resources to Community Coordinator and
Field Personnel
c) Monitoring and evaluation of field staff
r- 13 Vl AO QILIN
CD
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UlMilloti
---- --
__ __ _ __ __ __ ___ __ __ __ __
NATIONAL UBAN UPCRADING PROGRAy
CONSTUCTION ACTIVITIES IOT PLAN
I I ONTPS
3 4 F5 6 71 2 8 9 1o 11 12 1 14 15 1 17 18
E DOV - Samp COSTD T--- flR- CO STRUCTIO N I k---I - - - ----- -- - I IiI ~___ _ o~t DIV G -[EAR I II--- II 1ff
5 R-E- COTsRCTO c-ACzAc-rc ---- OR__ A I II
12 or ii j Ij ~ ~ i ishy rT-
TA CT SC u --iI I I I I 9 c O ~ T R s c F c s n c OI A T I I0RE ZE~ D EIP IJ [ I_ _ __ _ __ _ __ _-----__ _ __ _ _ _
mcr 12 -~J-c i
- IJ~~s-16 M4A9
p -Z as i
_________
NATIONAL URBAN UPGRADING PROGRANE
13 v I Y I t8 7
__0MNTHS[2 1 I I 13 4 5 6 9 o0_ 1 12 114 15 1 6 17 18__ _ _ _ __I _ __ __ _ _ __ __ __
(r _LI _ I | - _ _ __ _ _ _ __ _ _ _ _ I ____
Q L IQ MMamp__ t Or _ _ __ _I tI F I I 1 1 - ____ f
NATIONAL URBAN UPGRADING PROGRAMME
3112 7 _0
ONTHS
12 13 14 15 16 17 18
1
I J
F I
I_
_ __
_ ___ _ _ _ __ _ _ __
_ _ _ _ _ _ _ _ _ __
t -
ANNEX A CSTRUCTdC dCOST VARIOUS LOAN -OUNT AT 12 PER ANU 14ONTHLv DAY NTS YEARS amp
C -jTc C SLO ICO amp PERCENTAGE OF INCO-NDT(R ACARDLESS OF SOUCE)
CQ=Plete Enclosure for Kitchen
with sink - 10 - 1 0 -8s X 8
x8 6 x a
Sanitary F-riilities6 fixtures at S23001
i e -oile t _ (2 )Lavatr7 (2)
Shoer (27 Lineas
2500 0020000
200000 160000
16a000
luo0 L2 Lini
Ft Ft
100000
200000
3C000
400000
5C0000
5 vrs jo vrs
14 32223 1435
4449 2870
6674 4305
889s 5739
11123 7174
-
15vrs1c_00
1201
2401
3601
4801
6001
20 vrs(Hosic-
Act0)225 1102 5000
2203 1000
0
3304 15000
4405
20
1000
000
2000
3000
3500
25
1250
250
2500
3-750
4175
50 75
3500 3750
3500 750
3SO90 7500
750o ]125C
850 13425 61 5506 200 0 400 5C0I0050
Shower Star
Ro (Peair]
3x4j 150000
600000
700000
13347 8609
15572 1C29
7202
8402
6607
7708
Z--130 per sq ft
Paving (Yar - area 100per sq ft Stand Pipe poundsu_
6000 10000 COmplete
A vorage CO StcAverag- -Stc ee c-a-
ya d witn e ~ ~~ ~j T o meet t h e mi nim=um u e ts o a ty c l
mwieur estarird- revqtn a total consirdenti oncost of approxi-7ate- 4 49 which would necessitate
Montly payments f a-roxl-aelv S5 r year period for a 20
The lanquage in up to 20 years tc
-ec--ing Act gives a period r repa- for compulsory work
Attachment 2
FOUNDATION FOR COCPERATIVE HOUSING 2101 L STREET NW WASHINGTON DC 20037 bull (202) 857-4100
To James Tucker Director DATE September 28 1978
FROM Jesse Jones FCH
SUBTECT Overall Plan for Each Area
This memo is an extention of my previously suggested draft plan for developing the upgrading plan for specific areas and should be considered as a working document to assist the Unit in definshy
the ingphysical planning process This memo also attempts to pinshypoint graphically the total community concept
The layout or graphic display selected may vary but the essential point is to provide in a Central location a visual display of the area which could include
A) Description of upgrading area
1 Boundaries with a clear defined landuse map
a) Housing
b) Comrmercial
c) Industries (small shops)
d) Vacant buildings and land
2 Public institutions and Community Facilities Map
a) Government Offices - Local Representatives
b) Police stations
c) Post office
d) Public library
e) Health Clinics or hospital
f) Schools i) Basic ii) Day Care
iii) Secondary iv) Trade Training Center
g) Home for Elderly
h) Recreation facilities i) Play Field ii) Park
2
~M E M 0 R A N DUMIFH DATE
TO
FROM
SUBJECT
3 1
~1~-~j~udi
t
t _[UMM R N U ME 0 A D
F0DATE 2 ~7
TO
FROM
SUBJECT
fu
L L -
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I A
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--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
C) li L c ( ltcc o
Qc C
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-C ~r F~~~~DlA cL
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
r- 13 Vl AO QILIN
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cj
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Cz
UlMilloti
---- --
__ __ _ __ __ __ ___ __ __ __ __
NATIONAL UBAN UPCRADING PROGRAy
CONSTUCTION ACTIVITIES IOT PLAN
I I ONTPS
3 4 F5 6 71 2 8 9 1o 11 12 1 14 15 1 17 18
E DOV - Samp COSTD T--- flR- CO STRUCTIO N I k---I - - - ----- -- - I IiI ~___ _ o~t DIV G -[EAR I II--- II 1ff
5 R-E- COTsRCTO c-ACzAc-rc ---- OR__ A I II
12 or ii j Ij ~ ~ i ishy rT-
TA CT SC u --iI I I I I 9 c O ~ T R s c F c s n c OI A T I I0RE ZE~ D EIP IJ [ I_ _ __ _ __ _ __ _-----__ _ __ _ _ _
mcr 12 -~J-c i
- IJ~~s-16 M4A9
p -Z as i
_________
NATIONAL URBAN UPGRADING PROGRANE
13 v I Y I t8 7
__0MNTHS[2 1 I I 13 4 5 6 9 o0_ 1 12 114 15 1 6 17 18__ _ _ _ __I _ __ __ _ _ __ __ __
(r _LI _ I | - _ _ __ _ _ _ __ _ _ _ _ I ____
Q L IQ MMamp__ t Or _ _ __ _I tI F I I 1 1 - ____ f
NATIONAL URBAN UPGRADING PROGRAMME
3112 7 _0
ONTHS
12 13 14 15 16 17 18
1
I J
F I
I_
_ __
_ ___ _ _ _ __ _ _ __
_ _ _ _ _ _ _ _ _ __
t -
ANNEX A CSTRUCTdC dCOST VARIOUS LOAN -OUNT AT 12 PER ANU 14ONTHLv DAY NTS YEARS amp
C -jTc C SLO ICO amp PERCENTAGE OF INCO-NDT(R ACARDLESS OF SOUCE)
CQ=Plete Enclosure for Kitchen
with sink - 10 - 1 0 -8s X 8
x8 6 x a
Sanitary F-riilities6 fixtures at S23001
i e -oile t _ (2 )Lavatr7 (2)
Shoer (27 Lineas
2500 0020000
200000 160000
16a000
luo0 L2 Lini
Ft Ft
100000
200000
3C000
400000
5C0000
5 vrs jo vrs
14 32223 1435
4449 2870
6674 4305
889s 5739
11123 7174
-
15vrs1c_00
1201
2401
3601
4801
6001
20 vrs(Hosic-
Act0)225 1102 5000
2203 1000
0
3304 15000
4405
20
1000
000
2000
3000
3500
25
1250
250
2500
3-750
4175
50 75
3500 3750
3500 750
3SO90 7500
750o ]125C
850 13425 61 5506 200 0 400 5C0I0050
Shower Star
Ro (Peair]
3x4j 150000
600000
700000
13347 8609
15572 1C29
7202
8402
6607
7708
Z--130 per sq ft
Paving (Yar - area 100per sq ft Stand Pipe poundsu_
6000 10000 COmplete
A vorage CO StcAverag- -Stc ee c-a-
ya d witn e ~ ~~ ~j T o meet t h e mi nim=um u e ts o a ty c l
mwieur estarird- revqtn a total consirdenti oncost of approxi-7ate- 4 49 which would necessitate
Montly payments f a-roxl-aelv S5 r year period for a 20
The lanquage in up to 20 years tc
-ec--ing Act gives a period r repa- for compulsory work
Attachment 2
FOUNDATION FOR COCPERATIVE HOUSING 2101 L STREET NW WASHINGTON DC 20037 bull (202) 857-4100
To James Tucker Director DATE September 28 1978
FROM Jesse Jones FCH
SUBTECT Overall Plan for Each Area
This memo is an extention of my previously suggested draft plan for developing the upgrading plan for specific areas and should be considered as a working document to assist the Unit in definshy
the ingphysical planning process This memo also attempts to pinshypoint graphically the total community concept
The layout or graphic display selected may vary but the essential point is to provide in a Central location a visual display of the area which could include
A) Description of upgrading area
1 Boundaries with a clear defined landuse map
a) Housing
b) Comrmercial
c) Industries (small shops)
d) Vacant buildings and land
2 Public institutions and Community Facilities Map
a) Government Offices - Local Representatives
b) Police stations
c) Post office
d) Public library
e) Health Clinics or hospital
f) Schools i) Basic ii) Day Care
iii) Secondary iv) Trade Training Center
g) Home for Elderly
h) Recreation facilities i) Play Field ii) Park
2
~M E M 0 R A N DUMIFH DATE
TO
FROM
SUBJECT
3 1
~1~-~j~udi
t
t _[UMM R N U ME 0 A D
F0DATE 2 ~7
TO
FROM
SUBJECT
fu
L L -
L I
I A
Uf I)Tc -)
-LL zIT s Nlth rfC
i( I r(2iz 3 t
--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
C) li L c ( ltcc o
Qc C
J--
L4icLStE am shy CI If
-C ~r F~~~~DlA cL
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
---- --
__ __ _ __ __ __ ___ __ __ __ __
NATIONAL UBAN UPCRADING PROGRAy
CONSTUCTION ACTIVITIES IOT PLAN
I I ONTPS
3 4 F5 6 71 2 8 9 1o 11 12 1 14 15 1 17 18
E DOV - Samp COSTD T--- flR- CO STRUCTIO N I k---I - - - ----- -- - I IiI ~___ _ o~t DIV G -[EAR I II--- II 1ff
5 R-E- COTsRCTO c-ACzAc-rc ---- OR__ A I II
12 or ii j Ij ~ ~ i ishy rT-
TA CT SC u --iI I I I I 9 c O ~ T R s c F c s n c OI A T I I0RE ZE~ D EIP IJ [ I_ _ __ _ __ _ __ _-----__ _ __ _ _ _
mcr 12 -~J-c i
- IJ~~s-16 M4A9
p -Z as i
_________
NATIONAL URBAN UPGRADING PROGRANE
13 v I Y I t8 7
__0MNTHS[2 1 I I 13 4 5 6 9 o0_ 1 12 114 15 1 6 17 18__ _ _ _ __I _ __ __ _ _ __ __ __
(r _LI _ I | - _ _ __ _ _ _ __ _ _ _ _ I ____
Q L IQ MMamp__ t Or _ _ __ _I tI F I I 1 1 - ____ f
NATIONAL URBAN UPGRADING PROGRAMME
3112 7 _0
ONTHS
12 13 14 15 16 17 18
1
I J
F I
I_
_ __
_ ___ _ _ _ __ _ _ __
_ _ _ _ _ _ _ _ _ __
t -
ANNEX A CSTRUCTdC dCOST VARIOUS LOAN -OUNT AT 12 PER ANU 14ONTHLv DAY NTS YEARS amp
C -jTc C SLO ICO amp PERCENTAGE OF INCO-NDT(R ACARDLESS OF SOUCE)
CQ=Plete Enclosure for Kitchen
with sink - 10 - 1 0 -8s X 8
x8 6 x a
Sanitary F-riilities6 fixtures at S23001
i e -oile t _ (2 )Lavatr7 (2)
Shoer (27 Lineas
2500 0020000
200000 160000
16a000
luo0 L2 Lini
Ft Ft
100000
200000
3C000
400000
5C0000
5 vrs jo vrs
14 32223 1435
4449 2870
6674 4305
889s 5739
11123 7174
-
15vrs1c_00
1201
2401
3601
4801
6001
20 vrs(Hosic-
Act0)225 1102 5000
2203 1000
0
3304 15000
4405
20
1000
000
2000
3000
3500
25
1250
250
2500
3-750
4175
50 75
3500 3750
3500 750
3SO90 7500
750o ]125C
850 13425 61 5506 200 0 400 5C0I0050
Shower Star
Ro (Peair]
3x4j 150000
600000
700000
13347 8609
15572 1C29
7202
8402
6607
7708
Z--130 per sq ft
Paving (Yar - area 100per sq ft Stand Pipe poundsu_
6000 10000 COmplete
A vorage CO StcAverag- -Stc ee c-a-
ya d witn e ~ ~~ ~j T o meet t h e mi nim=um u e ts o a ty c l
mwieur estarird- revqtn a total consirdenti oncost of approxi-7ate- 4 49 which would necessitate
Montly payments f a-roxl-aelv S5 r year period for a 20
The lanquage in up to 20 years tc
-ec--ing Act gives a period r repa- for compulsory work
Attachment 2
FOUNDATION FOR COCPERATIVE HOUSING 2101 L STREET NW WASHINGTON DC 20037 bull (202) 857-4100
To James Tucker Director DATE September 28 1978
FROM Jesse Jones FCH
SUBTECT Overall Plan for Each Area
This memo is an extention of my previously suggested draft plan for developing the upgrading plan for specific areas and should be considered as a working document to assist the Unit in definshy
the ingphysical planning process This memo also attempts to pinshypoint graphically the total community concept
The layout or graphic display selected may vary but the essential point is to provide in a Central location a visual display of the area which could include
A) Description of upgrading area
1 Boundaries with a clear defined landuse map
a) Housing
b) Comrmercial
c) Industries (small shops)
d) Vacant buildings and land
2 Public institutions and Community Facilities Map
a) Government Offices - Local Representatives
b) Police stations
c) Post office
d) Public library
e) Health Clinics or hospital
f) Schools i) Basic ii) Day Care
iii) Secondary iv) Trade Training Center
g) Home for Elderly
h) Recreation facilities i) Play Field ii) Park
2
~M E M 0 R A N DUMIFH DATE
TO
FROM
SUBJECT
3 1
~1~-~j~udi
t
t _[UMM R N U ME 0 A D
F0DATE 2 ~7
TO
FROM
SUBJECT
fu
L L -
L I
I A
Uf I)Tc -)
-LL zIT s Nlth rfC
i( I r(2iz 3 t
--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
C) li L c ( ltcc o
Qc C
J--
L4icLStE am shy CI If
-C ~r F~~~~DlA cL
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
mcr 12 -~J-c i
- IJ~~s-16 M4A9
p -Z as i
_________
NATIONAL URBAN UPGRADING PROGRANE
13 v I Y I t8 7
__0MNTHS[2 1 I I 13 4 5 6 9 o0_ 1 12 114 15 1 6 17 18__ _ _ _ __I _ __ __ _ _ __ __ __
(r _LI _ I | - _ _ __ _ _ _ __ _ _ _ _ I ____
Q L IQ MMamp__ t Or _ _ __ _I tI F I I 1 1 - ____ f
NATIONAL URBAN UPGRADING PROGRAMME
3112 7 _0
ONTHS
12 13 14 15 16 17 18
1
I J
F I
I_
_ __
_ ___ _ _ _ __ _ _ __
_ _ _ _ _ _ _ _ _ __
t -
ANNEX A CSTRUCTdC dCOST VARIOUS LOAN -OUNT AT 12 PER ANU 14ONTHLv DAY NTS YEARS amp
C -jTc C SLO ICO amp PERCENTAGE OF INCO-NDT(R ACARDLESS OF SOUCE)
CQ=Plete Enclosure for Kitchen
with sink - 10 - 1 0 -8s X 8
x8 6 x a
Sanitary F-riilities6 fixtures at S23001
i e -oile t _ (2 )Lavatr7 (2)
Shoer (27 Lineas
2500 0020000
200000 160000
16a000
luo0 L2 Lini
Ft Ft
100000
200000
3C000
400000
5C0000
5 vrs jo vrs
14 32223 1435
4449 2870
6674 4305
889s 5739
11123 7174
-
15vrs1c_00
1201
2401
3601
4801
6001
20 vrs(Hosic-
Act0)225 1102 5000
2203 1000
0
3304 15000
4405
20
1000
000
2000
3000
3500
25
1250
250
2500
3-750
4175
50 75
3500 3750
3500 750
3SO90 7500
750o ]125C
850 13425 61 5506 200 0 400 5C0I0050
Shower Star
Ro (Peair]
3x4j 150000
600000
700000
13347 8609
15572 1C29
7202
8402
6607
7708
Z--130 per sq ft
Paving (Yar - area 100per sq ft Stand Pipe poundsu_
6000 10000 COmplete
A vorage CO StcAverag- -Stc ee c-a-
ya d witn e ~ ~~ ~j T o meet t h e mi nim=um u e ts o a ty c l
mwieur estarird- revqtn a total consirdenti oncost of approxi-7ate- 4 49 which would necessitate
Montly payments f a-roxl-aelv S5 r year period for a 20
The lanquage in up to 20 years tc
-ec--ing Act gives a period r repa- for compulsory work
Attachment 2
FOUNDATION FOR COCPERATIVE HOUSING 2101 L STREET NW WASHINGTON DC 20037 bull (202) 857-4100
To James Tucker Director DATE September 28 1978
FROM Jesse Jones FCH
SUBTECT Overall Plan for Each Area
This memo is an extention of my previously suggested draft plan for developing the upgrading plan for specific areas and should be considered as a working document to assist the Unit in definshy
the ingphysical planning process This memo also attempts to pinshypoint graphically the total community concept
The layout or graphic display selected may vary but the essential point is to provide in a Central location a visual display of the area which could include
A) Description of upgrading area
1 Boundaries with a clear defined landuse map
a) Housing
b) Comrmercial
c) Industries (small shops)
d) Vacant buildings and land
2 Public institutions and Community Facilities Map
a) Government Offices - Local Representatives
b) Police stations
c) Post office
d) Public library
e) Health Clinics or hospital
f) Schools i) Basic ii) Day Care
iii) Secondary iv) Trade Training Center
g) Home for Elderly
h) Recreation facilities i) Play Field ii) Park
2
~M E M 0 R A N DUMIFH DATE
TO
FROM
SUBJECT
3 1
~1~-~j~udi
t
t _[UMM R N U ME 0 A D
F0DATE 2 ~7
TO
FROM
SUBJECT
fu
L L -
L I
I A
Uf I)Tc -)
-LL zIT s Nlth rfC
i( I r(2iz 3 t
--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
C) li L c ( ltcc o
Qc C
J--
L4icLStE am shy CI If
-C ~r F~~~~DlA cL
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
_________
NATIONAL URBAN UPGRADING PROGRANE
13 v I Y I t8 7
__0MNTHS[2 1 I I 13 4 5 6 9 o0_ 1 12 114 15 1 6 17 18__ _ _ _ __I _ __ __ _ _ __ __ __
(r _LI _ I | - _ _ __ _ _ _ __ _ _ _ _ I ____
Q L IQ MMamp__ t Or _ _ __ _I tI F I I 1 1 - ____ f
NATIONAL URBAN UPGRADING PROGRAMME
3112 7 _0
ONTHS
12 13 14 15 16 17 18
1
I J
F I
I_
_ __
_ ___ _ _ _ __ _ _ __
_ _ _ _ _ _ _ _ _ __
t -
ANNEX A CSTRUCTdC dCOST VARIOUS LOAN -OUNT AT 12 PER ANU 14ONTHLv DAY NTS YEARS amp
C -jTc C SLO ICO amp PERCENTAGE OF INCO-NDT(R ACARDLESS OF SOUCE)
CQ=Plete Enclosure for Kitchen
with sink - 10 - 1 0 -8s X 8
x8 6 x a
Sanitary F-riilities6 fixtures at S23001
i e -oile t _ (2 )Lavatr7 (2)
Shoer (27 Lineas
2500 0020000
200000 160000
16a000
luo0 L2 Lini
Ft Ft
100000
200000
3C000
400000
5C0000
5 vrs jo vrs
14 32223 1435
4449 2870
6674 4305
889s 5739
11123 7174
-
15vrs1c_00
1201
2401
3601
4801
6001
20 vrs(Hosic-
Act0)225 1102 5000
2203 1000
0
3304 15000
4405
20
1000
000
2000
3000
3500
25
1250
250
2500
3-750
4175
50 75
3500 3750
3500 750
3SO90 7500
750o ]125C
850 13425 61 5506 200 0 400 5C0I0050
Shower Star
Ro (Peair]
3x4j 150000
600000
700000
13347 8609
15572 1C29
7202
8402
6607
7708
Z--130 per sq ft
Paving (Yar - area 100per sq ft Stand Pipe poundsu_
6000 10000 COmplete
A vorage CO StcAverag- -Stc ee c-a-
ya d witn e ~ ~~ ~j T o meet t h e mi nim=um u e ts o a ty c l
mwieur estarird- revqtn a total consirdenti oncost of approxi-7ate- 4 49 which would necessitate
Montly payments f a-roxl-aelv S5 r year period for a 20
The lanquage in up to 20 years tc
-ec--ing Act gives a period r repa- for compulsory work
Attachment 2
FOUNDATION FOR COCPERATIVE HOUSING 2101 L STREET NW WASHINGTON DC 20037 bull (202) 857-4100
To James Tucker Director DATE September 28 1978
FROM Jesse Jones FCH
SUBTECT Overall Plan for Each Area
This memo is an extention of my previously suggested draft plan for developing the upgrading plan for specific areas and should be considered as a working document to assist the Unit in definshy
the ingphysical planning process This memo also attempts to pinshypoint graphically the total community concept
The layout or graphic display selected may vary but the essential point is to provide in a Central location a visual display of the area which could include
A) Description of upgrading area
1 Boundaries with a clear defined landuse map
a) Housing
b) Comrmercial
c) Industries (small shops)
d) Vacant buildings and land
2 Public institutions and Community Facilities Map
a) Government Offices - Local Representatives
b) Police stations
c) Post office
d) Public library
e) Health Clinics or hospital
f) Schools i) Basic ii) Day Care
iii) Secondary iv) Trade Training Center
g) Home for Elderly
h) Recreation facilities i) Play Field ii) Park
2
~M E M 0 R A N DUMIFH DATE
TO
FROM
SUBJECT
3 1
~1~-~j~udi
t
t _[UMM R N U ME 0 A D
F0DATE 2 ~7
TO
FROM
SUBJECT
fu
L L -
L I
I A
Uf I)Tc -)
-LL zIT s Nlth rfC
i( I r(2iz 3 t
--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
C) li L c ( ltcc o
Qc C
J--
L4icLStE am shy CI If
-C ~r F~~~~DlA cL
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
NATIONAL URBAN UPGRADING PROGRAMME
3112 7 _0
ONTHS
12 13 14 15 16 17 18
1
I J
F I
I_
_ __
_ ___ _ _ _ __ _ _ __
_ _ _ _ _ _ _ _ _ __
t -
ANNEX A CSTRUCTdC dCOST VARIOUS LOAN -OUNT AT 12 PER ANU 14ONTHLv DAY NTS YEARS amp
C -jTc C SLO ICO amp PERCENTAGE OF INCO-NDT(R ACARDLESS OF SOUCE)
CQ=Plete Enclosure for Kitchen
with sink - 10 - 1 0 -8s X 8
x8 6 x a
Sanitary F-riilities6 fixtures at S23001
i e -oile t _ (2 )Lavatr7 (2)
Shoer (27 Lineas
2500 0020000
200000 160000
16a000
luo0 L2 Lini
Ft Ft
100000
200000
3C000
400000
5C0000
5 vrs jo vrs
14 32223 1435
4449 2870
6674 4305
889s 5739
11123 7174
-
15vrs1c_00
1201
2401
3601
4801
6001
20 vrs(Hosic-
Act0)225 1102 5000
2203 1000
0
3304 15000
4405
20
1000
000
2000
3000
3500
25
1250
250
2500
3-750
4175
50 75
3500 3750
3500 750
3SO90 7500
750o ]125C
850 13425 61 5506 200 0 400 5C0I0050
Shower Star
Ro (Peair]
3x4j 150000
600000
700000
13347 8609
15572 1C29
7202
8402
6607
7708
Z--130 per sq ft
Paving (Yar - area 100per sq ft Stand Pipe poundsu_
6000 10000 COmplete
A vorage CO StcAverag- -Stc ee c-a-
ya d witn e ~ ~~ ~j T o meet t h e mi nim=um u e ts o a ty c l
mwieur estarird- revqtn a total consirdenti oncost of approxi-7ate- 4 49 which would necessitate
Montly payments f a-roxl-aelv S5 r year period for a 20
The lanquage in up to 20 years tc
-ec--ing Act gives a period r repa- for compulsory work
Attachment 2
FOUNDATION FOR COCPERATIVE HOUSING 2101 L STREET NW WASHINGTON DC 20037 bull (202) 857-4100
To James Tucker Director DATE September 28 1978
FROM Jesse Jones FCH
SUBTECT Overall Plan for Each Area
This memo is an extention of my previously suggested draft plan for developing the upgrading plan for specific areas and should be considered as a working document to assist the Unit in definshy
the ingphysical planning process This memo also attempts to pinshypoint graphically the total community concept
The layout or graphic display selected may vary but the essential point is to provide in a Central location a visual display of the area which could include
A) Description of upgrading area
1 Boundaries with a clear defined landuse map
a) Housing
b) Comrmercial
c) Industries (small shops)
d) Vacant buildings and land
2 Public institutions and Community Facilities Map
a) Government Offices - Local Representatives
b) Police stations
c) Post office
d) Public library
e) Health Clinics or hospital
f) Schools i) Basic ii) Day Care
iii) Secondary iv) Trade Training Center
g) Home for Elderly
h) Recreation facilities i) Play Field ii) Park
2
~M E M 0 R A N DUMIFH DATE
TO
FROM
SUBJECT
3 1
~1~-~j~udi
t
t _[UMM R N U ME 0 A D
F0DATE 2 ~7
TO
FROM
SUBJECT
fu
L L -
L I
I A
Uf I)Tc -)
-LL zIT s Nlth rfC
i( I r(2iz 3 t
--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
C) li L c ( ltcc o
Qc C
J--
L4icLStE am shy CI If
-C ~r F~~~~DlA cL
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
ANNEX A CSTRUCTdC dCOST VARIOUS LOAN -OUNT AT 12 PER ANU 14ONTHLv DAY NTS YEARS amp
C -jTc C SLO ICO amp PERCENTAGE OF INCO-NDT(R ACARDLESS OF SOUCE)
CQ=Plete Enclosure for Kitchen
with sink - 10 - 1 0 -8s X 8
x8 6 x a
Sanitary F-riilities6 fixtures at S23001
i e -oile t _ (2 )Lavatr7 (2)
Shoer (27 Lineas
2500 0020000
200000 160000
16a000
luo0 L2 Lini
Ft Ft
100000
200000
3C000
400000
5C0000
5 vrs jo vrs
14 32223 1435
4449 2870
6674 4305
889s 5739
11123 7174
-
15vrs1c_00
1201
2401
3601
4801
6001
20 vrs(Hosic-
Act0)225 1102 5000
2203 1000
0
3304 15000
4405
20
1000
000
2000
3000
3500
25
1250
250
2500
3-750
4175
50 75
3500 3750
3500 750
3SO90 7500
750o ]125C
850 13425 61 5506 200 0 400 5C0I0050
Shower Star
Ro (Peair]
3x4j 150000
600000
700000
13347 8609
15572 1C29
7202
8402
6607
7708
Z--130 per sq ft
Paving (Yar - area 100per sq ft Stand Pipe poundsu_
6000 10000 COmplete
A vorage CO StcAverag- -Stc ee c-a-
ya d witn e ~ ~~ ~j T o meet t h e mi nim=um u e ts o a ty c l
mwieur estarird- revqtn a total consirdenti oncost of approxi-7ate- 4 49 which would necessitate
Montly payments f a-roxl-aelv S5 r year period for a 20
The lanquage in up to 20 years tc
-ec--ing Act gives a period r repa- for compulsory work
Attachment 2
FOUNDATION FOR COCPERATIVE HOUSING 2101 L STREET NW WASHINGTON DC 20037 bull (202) 857-4100
To James Tucker Director DATE September 28 1978
FROM Jesse Jones FCH
SUBTECT Overall Plan for Each Area
This memo is an extention of my previously suggested draft plan for developing the upgrading plan for specific areas and should be considered as a working document to assist the Unit in definshy
the ingphysical planning process This memo also attempts to pinshypoint graphically the total community concept
The layout or graphic display selected may vary but the essential point is to provide in a Central location a visual display of the area which could include
A) Description of upgrading area
1 Boundaries with a clear defined landuse map
a) Housing
b) Comrmercial
c) Industries (small shops)
d) Vacant buildings and land
2 Public institutions and Community Facilities Map
a) Government Offices - Local Representatives
b) Police stations
c) Post office
d) Public library
e) Health Clinics or hospital
f) Schools i) Basic ii) Day Care
iii) Secondary iv) Trade Training Center
g) Home for Elderly
h) Recreation facilities i) Play Field ii) Park
2
~M E M 0 R A N DUMIFH DATE
TO
FROM
SUBJECT
3 1
~1~-~j~udi
t
t _[UMM R N U ME 0 A D
F0DATE 2 ~7
TO
FROM
SUBJECT
fu
L L -
L I
I A
Uf I)Tc -)
-LL zIT s Nlth rfC
i( I r(2iz 3 t
--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
C) li L c ( ltcc o
Qc C
J--
L4icLStE am shy CI If
-C ~r F~~~~DlA cL
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
Attachment 2
FOUNDATION FOR COCPERATIVE HOUSING 2101 L STREET NW WASHINGTON DC 20037 bull (202) 857-4100
To James Tucker Director DATE September 28 1978
FROM Jesse Jones FCH
SUBTECT Overall Plan for Each Area
This memo is an extention of my previously suggested draft plan for developing the upgrading plan for specific areas and should be considered as a working document to assist the Unit in definshy
the ingphysical planning process This memo also attempts to pinshypoint graphically the total community concept
The layout or graphic display selected may vary but the essential point is to provide in a Central location a visual display of the area which could include
A) Description of upgrading area
1 Boundaries with a clear defined landuse map
a) Housing
b) Comrmercial
c) Industries (small shops)
d) Vacant buildings and land
2 Public institutions and Community Facilities Map
a) Government Offices - Local Representatives
b) Police stations
c) Post office
d) Public library
e) Health Clinics or hospital
f) Schools i) Basic ii) Day Care
iii) Secondary iv) Trade Training Center
g) Home for Elderly
h) Recreation facilities i) Play Field ii) Park
2
~M E M 0 R A N DUMIFH DATE
TO
FROM
SUBJECT
3 1
~1~-~j~udi
t
t _[UMM R N U ME 0 A D
F0DATE 2 ~7
TO
FROM
SUBJECT
fu
L L -
L I
I A
Uf I)Tc -)
-LL zIT s Nlth rfC
i( I r(2iz 3 t
--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
C) li L c ( ltcc o
Qc C
J--
L4icLStE am shy CI If
-C ~r F~~~~DlA cL
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
~M E M 0 R A N DUMIFH DATE
TO
FROM
SUBJECT
3 1
~1~-~j~udi
t
t _[UMM R N U ME 0 A D
F0DATE 2 ~7
TO
FROM
SUBJECT
fu
L L -
L I
I A
Uf I)Tc -)
-LL zIT s Nlth rfC
i( I r(2iz 3 t
--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
C) li L c ( ltcc o
Qc C
J--
L4icLStE am shy CI If
-C ~r F~~~~DlA cL
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
t _[UMM R N U ME 0 A D
F0DATE 2 ~7
TO
FROM
SUBJECT
fu
L L -
L I
I A
Uf I)Tc -)
-LL zIT s Nlth rfC
i( I r(2iz 3 t
--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
C) li L c ( ltcc o
Qc C
J--
L4icLStE am shy CI If
-C ~r F~~~~DlA cL
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
--
M EMORANDU M F HC= DATE m -
TO - L
FROM f 7 -
SUBJECT
sjjV c3~Al
C) li L c ( ltcc o
Qc C
J--
L4icLStE am shy CI If
-C ~r F~~~~DlA cL
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
-2shy
3 Housing Condition Map
a) Standard (no repair necessary)
b) Substandard
Minor Repair
Moderate
Major (extensive rehabilitation)
c) Demolitions or Clearance
4 Services Map - Conditions
a) Public Sewage - adequate - inadequate
b) Water
c) Electrical
d) Transportation
As you can see from this outline it will take input from the entire senior development and program staff to put a compreshyhensive plan together The general land use map can be developedwith a visual survey of each area using the plan-o-metric maps as the base document Of course the map describing housing conditions can only be completed after the rehabilitation section has completed the yard by yard physical surveys You could use the data collected by the sociologist and economic planners to provide a narrative which includes a description of the social and econimic characteristics of the area
After each department reviews its data one or two overlays over the existing land use maps could be produced showing the new or proposed community facilities transitional center or new housing and the various stages of implementing the upgrading work
Let us discuss this documentation at the earliest possible time
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
Attachment 3
Financial Activities reCUired for Loan Program
Activities are similar after the determinatioinsrecipient are made regarding theof the loan and person or group reSponsibleKey to for repaymenfinancial work plan is knowing all the activities required
I Identify applicant person or persons responsible for yardThere are at least three (3) possible ownershippatterns which or tenantcould be responsible for assuming the financialresponsibiIities of home improvement loanindigent aged In the case of theor Government alternative arrangements arenecessary to provide prudent financial safeguards without being
overly cautious
2 Determine the right to enter into a binding contract for repaymentand ownership or control of yard or premises
Income determination shy3 determine and verify source of incomewhether through employment verification rental income withappropriate lease arrangements to verify rents grants (assets)
4 Ability to pay for a home loan - should result from an analysisof existing income minus expenses plus additional cost of loanWhether you are dealing with owners or tenants the followingitems should be reviewed
1) Income
a) Wages - Amount and when paid - wdekly bi-weekly monthly etc
b) Other sources of income
i) working spouse ii) Rental income
iii) Pension iv) Others - (Subtract taxes - while you require information
on gross pay - the net is more important in determining ability to repay)
2) Expenses
a) Housing mortgage shy taxes water insurance cost to provideservices
b) Personal - Medical credit obligations insurance school c) Others - savings - credit unions partners etc
3) Determine disposable income - ie 2 -7 equal to current disposable income
Secund Draft 11979 JJ
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
-2shy
4) Using cost information from physical surveys which include an overall listing of all items - decide level of construction which owner can afford Analysis should be computed by taking the cost of existing debt obligation or expenses plus additional cost of construction and debt burden - Note ie new monthly mortgage or loan figures compiled at 12 interest plus original expenses compiled in step 3 above will leave loan dollars (Note in an open coimtercial loan market = loan are not made cases where the overall cost of housing exceeds a to 13 of ones gross income
Assets Analysis of any asset - additional real estate or current value of existing property In most cases the value of property (land and building will exceed the cost of the improvements) It may be possible to arrange to secure a second mortgage with a time period exceeding the terms of a regular home improvement loan
Tax Records - Valuation The owner and tax information on each yard as reported from Land Valuation could possibly serve as alternate method of verifying title information
Aged Age should not be a negative determinant to approving a loan If the house is mortgaged or loan is granted the survivor will assume the debts
5 Notify Rehab Section of amount tentatively approved
6 Notify Seller Service - submit perliminary documents with supporting data
7 Execute loan application or apprve loan contract
8 Issue mobilization fee (checks on approval to contractors)
9 Approve interim payments based on certification for Rehab
10 Change orders or fluctuations on contract authorization
11 Submit change order or variation certificate to JMBSeller Service
12 Submit final Contract documents to Seller Service based on Completion Certificate of Work in place
13 Secure confirmation - work completed to owners satisfaction after the retention period after satisfaction certificate signed
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
- 3shy
14 Issue final checks to contractor
15 Convert short term home improvement loan with all changes and accumulated interest to long term mortgage or home improvement loan
16 AdvisSellerServicer or JMB through certification of final termS
17 Duration - payments - legal etc
Monthly Reports Format - individual for loan
1 Request made 2 Request analysed 3 Status of request in progressmobilization fees issued first
interim payment and second or third interim payments 4 Total this month 5 Total comulative
Internal - External and other Government Agencies which may have additional requirement shy
1 Financial Controller - ILG 2 Auditor General 3 Jf-B 4 Ministry of Housing (Rent Tribunal) 5 Seller Servicer
6 Contractors 7 Department of Supply 8 Trade Administrator 9 Coop Credit Union League
10 USAID
Financial Activities re - Contractors
1 Verify estimated cost per yard - supervision of material 2 Verify the cost of construction contracts for accuracy 3 Authorise and arrange for purchase of material with JMB
Trade Administrator and Seller Service 4 Issues purchase orders and receipt of goods received 5 Issue payments to contractors for demolition 6 Maintain inventory and stock control records maintain individual
financial files and contract files
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
-4-
Forms
Some of the forms required to process activities ]isted above are as follows
1 Loan worksheet 2 Loan application form 3 Verification of rental income (lease) 4 Employment verification
5 Request for employment verification 6 Self employed verification 7 Request for check 8 Certificate of completed work 9 Title or tax verification
10 Assets request
11 Requesc for payment - mobilization interim final
12 Hire purchase of credit verification
13 Loan agreement
14 Variation in price - request for an increase
15 Certification of cost
16 Transfer of assets - co-maker
17 Lien request
18 Declaration or verification of lien file in Crown Court 19 Note - Promissory Note
20 Mortgage
21 Verification of work in place
22 Invoice - Contractor
23 Verification of loan amount approved for construction 24 Repayment schedule (payment vouchers)
25 Notification to owner person responsible for collecting rentals 26 Loan document - check list
27 Close out document
28 Request for disbursement to JMB for material purchase
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
--
Attachment 4
April 5v 1979
Mr John Miller Regional Housing Officer Department of State AD Washington DC 20532 USA
Dear John
Re USAID H G Loan 010 - Rural Home Improvement Scheme - Sub-Programme III - Jamaica Cooperative Credit Union League Limited
The Technical Assistance Agreement with the Foundation for Co-operativeHousing in connection with the captioned loan provides inter alia for assistance in thedevelopment of forms to be used by Credit Unionsin their part of the programmeMr Stanley Moore Executlve Director of the Jamaic a Co-operative Credit UnionLeague Limited has indicated that since it has been agreed that the forms usually used by credit unions will be maintained this type of assistance from FCH will no longer be required
Mr Moore however is requesting assistance in their communichtion system and it is their understanding that it is possible to obtain the assistance of aconsultant in this area In the circmnstances the request has been made to the Jamaica Mortgage Bank for the provision above to be transferred to this area
The JMB fully supports the request by the JCCUL in an effort to get this aspect of the loan programme moving Accordingly formal application is now beingmade to AIDWaslngton and the Foundation of Co-operative Housing in this regard
Your quick response will be appreciated
With kind regards
Yours very truly
D M Levermore
General Manager
c c MrRichard Owens - Foundation of Co-operative Housing v-Mr Paul Wenger - USAD Kingston Mr Jesse Jones - FCH Consultant Kingston
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
Attachment 5
DAN(fJAAAICAYMO TGAG_ 11 Oxford Road PO Box 950 Kingston 5 JamaicaWI Telephones 9366322 - 3 93-61688 Cables JA
Our Ref
Your Ref April 19 191
Mr Stanley Moore Executive Director Ja Co-operative Credit Union League Ltd 2a Manhattan Road Kingston 5
Dear Mr Moore
Re USAID H G 010 - Rural Home Improvement Scheme Sub-Programme I1
Further to your letter of April 3 1979 in connection with the request made for assistance in your communication system re the captioned matter I am to inform you that AlD concurs with your request
The Foundation for Cooperative Houshg Assistance for the establishm of a communication system in the Jamaica Cooperative Credit Union League Ltd to promote Subprogram EIfof the Loan 532-HG-010 replaces assistance in the preparati of loan forms as identified in the Technical Assistance Agreement
Mr Anthony Fisher FCH consultant has already arrived in the i to carry out the assignment He will be in touch vith you
With kind regards
Yours very truly
D M Levermore General hanager
Cc Dr Donor Lion - USAID Kingston cc Mr Jesse Jones - FCIl Consultant
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
Attachment 6
AMENDMENT TO AGREEMENT
Purpose of Amendment
This Amendment to the Agreement is entered into because
of the decision of the GOJ to transfer the responsibility
of the urban settlement upgrading program frorathe MLG
to the NOH The MOH will therefore be responsible for
that program in addition to the squatter settlement
upgrading program and the JCCUL and its affiliated rural
credit unions will continue to be responsible for the
rural home improvement loan program
This Amendment modifies the sections in the Agreement as
follows
I The Agreement
No changes
II Program Description
Delete and replace with-
FCH will provide technical assistance to the JDIB to
assist it to monitor and coordinate the efforts of
the National Upgrading Unit and the Sites and Serviccs
Division of MOH and the JCCUI and its affiliated
Credit Union (CUs) in the planning programming
imp1ementaLion and of respectivemanagement their subshy
programs to be financed by a US$l5oan000 lo
(
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
-2shy
(AID-IIG Loan) This assistance will enable these Jamaican institutions to improve their capacity to undertake shelter programs for lowr income families
on a continuous national basis
XII Responsibilities of the Parties
The responsibilities of the parties to this Agreement
are as follows
A FCH Responsibilities
Delete and replace withshy
1 PCH will provide a resident technician in Jamaica
for a period of eighteen (18) months commencing
upon his arrival (27th April 1978) and short-term
advisors and consultants as determined by FCH MOH
JMB JCCUL and AID to assist the JMB in monitoring
and coordinating the efforts of the DIOI and the
JCCUL in- the planning programming implementation
and management of their respective sub-programs
2 The FCH assistance to the 101 will assist it
principally in the following
- development of guidelines for- prtparinj Ilm
urban plan for specific areas taking into
account physical economic and social data of
the yard area and the urban center in which it
is located
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
-3shy
- development of guidelines for financial
management aspects of the program to maximize
the utilization of available funds including
guidelines acceptable to traditional funding
institutions which would increase the particishy
pation of low income tenant families guidelines
to streamline the flow of funds from JMU to
NUUU or a Seller Servicer to maximize number of
units improvedguidelines to assist the NUUU
to maximize the resources of other agencies to
support the delivery of social and physical
services to the target area and guidelines to
prepare cost analysis of existing structures to
determine their reuse
- development of communication guidelines and techshy
niques for promoting and explaining the program
- development of training guidelines and materials
and preparation and conduct of training sessions
to educate the beneficiaries in the nature of the
program community participation- and their roles
in the program
3 The FCH assistance to the JCCUL will assist it
principally in the following
- development of parameters for the program taking
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
-4shy
into consideration such matters as size of
rooms maLerials cost and type of
cons truction
analysis of the cozmunication needs of the
JCCUL and its affiliated rural credit unions
develop guidelines techniques and materials
and train JCCUL and selected credit union
staff in the use of same
4 No change
5 FCHi will submit quarterly reports and an end of
service report to the JMB and will submit reports
of the work of the FCH short-term technicians and
consultants to the JMB and the respective institushy
tion to which the services are provided FCH
will also submit copies of all reports to AID
B JMB Responsibilities
Delete and replace withshy
1 JMB will provide the necessary funding from the
AID-HG loan for the urban tenement upgrading
the squatter settlement upgrading anld the rural
home improvement sub-programs
2 The JMB will assign the necessary staff to monitor
and coordinate the efforts of the MOHI and the
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
JCCUL in the planning programming and implemenshy
tation of their respective sub-programs
3 JMB will provide the FCH resident technician and
short-term technicians and consultants fo- t1e
program with the following goods and service
a) office space required to carry out the terms of
this agreement
b) office equipment and supplies as needed to carry
out the terms of this agreement
c) secretarial services as required
d) a vehicle and driver as needed for project related
activities
C MLG Responsibilities
Delete and replace with- No further responsibilities
D MOII Responsibilities
Delete and replace with
1 MOIl will pursue the development and implementation
of the urban and squatter settlement upgrading
sub-programs on a high priority basis
2 No change
3 No change
E JCCUL Iesponsibi1[ tics
1 No change
2 No change
3 No change
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
-6-
F AID Responsibilities
1 Same
2 AID will provide the FC technicians and consulshy
tants funded by the aforementioncd OPG with the
basic administration support such as renewing of
visas and obtaining of driving licenses and license
plates normally provided by AID contract employees
while said technicians and consultants are in
Jamaica
IV General
1 Same
2 Same
3 The timing and length of assistance will be
determined by AID FCIu and the respective
institutions
JAMAICA
By
Name
Title
for the Ministry of Local Covurminnit
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle
-7-
By
Name
Title
for the Ministry of Housing
Agreement
UNITED STATES OF AMERICA
By
Name
Title
for US Agency for International Development
JAMAICA MORTGAGE BANK
By
Name
Title
JAMAICA COOPERATIVE CREDIT UNION LEAGUE LIMITED
By
Name
Title
FOUNDATION FOR COOPERATIVE HOUSING
By
Name
Ti tle