01   Regardless of new units being created by the private sector or subsidized houses being continued due of political demands, incremental growth is where the bulk of transformation has been and is happening and can be scaled up most dramatically by combining loans with investments by the state.

02  In cities and especially smaller towns where houses are bigger, households don’t face eviction threats, the possibility of building toilets inside houses is possible. Similarly, slum settlements where housing is of better quality, may choose not to rebuild houses but take loans to upgrade houses. SSNS has begun to lend to these communities for the last several years.