Abstract:
This study mainly identified factors influencing access to possession of private house for
low and middle income government employees of Bahir Dar City. A total sample of 124
were selected through systematic random sampling method from four organizations .The
study employed questionnaire, interview, FGD and observation to collect data for the
study. The analysis was done by using frequency, percentage, and chi-square tests and
binary logistic regression analysis in order to measure and describe the relationship
between dependent variable and explanatory variables. Results of logit indicated that
factors such as marital status, monthly income, availability of credit, monthly
expenditure, educational level, saving, household size, affordability of building materials,
and availability of land are the main determinants of the tenure status of employees it
explained 94.5% of variation and correctly classified 83.1% of cases. From all variables,
tenure structure is made a relatively strong association with income and saving .To
overcome the problem, giving plots of land for housing, condominium housing scheme
should be taken a special attention and using local building materials to make low- and
middle- income employees homeowners. Controlling mechanism need to be established
by Bahir Dar City municipality to solve the problem of land delivery system and financial
institutions should be available for housing loan with appropriate criteria with low
interest rate and long time for the repayment of the amount of the loan. Moreover, social
institutions like Equb need to be promoted for middle-and low-income employees to
improve the habit of saving
