This photo-essay describes how the Philippines Homeless People's Federation
was formed, to bring together low-income community organizations that had
developed housing savings groups in many different cities and to encourage
and support the formation of other savings groups. The Federation now has o
ver 20,000 member families who are saving and who are either developing the
ir own homes or seeking ways to do so - for instance, negotiating for secur
e land, forming homeowner associations, identifying sites on which they can
build and exploring sources for loans. In common with similar federations
in other countries (with whom there is constant contact), there is a strong
emphasis oil community-managed savings schemes, community-to-community exc
hanges (so members can learn from each other's experiences and discuss the
best solutions for each particular case) and negotiating with governments w
ith clear, carefully costed proposals that show how much the communities ca
n do for themselves.