A rapidly increasing number of urban dwellers in Africa live in poverty and reside in overcrowded slums which lack the essentials to sustain even a modest living. Housing cooperatives have become a means of dealing with the challenges of over-urbanization in Kenya. Several initiatives by the government, UN-HABITAT, and the private sector are underway to establish cooperatives; there has also been a mushrooming of micro financing institutions to enable their formation and sustainability. These cooperative societies also play a significant role in a country's economic growth; the UN estimated that in 1994 the livelihood of half the world's population was made secure by cooperative enterprises. This study examines the development of housing cooperatives and SACCOs (savings and credit cooperatives) in Kenya--their organization, management and evaluation.--Publisher's description.