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Start-up Nicaragua, Ghana

INURBA has been created to facilitate the availability of housing, in the form of carefully designed communities, for the new middle class. The need for proper housing is epidemic in the world and the numbers are staggering. INURBA will focus on emerging economies that are stable, by removing barriers that do not allow for home ownership of the middle class.


More than a billion people in the world live in slums and that number is growing rapidly. The inhabitants of these slums are, contrary to what we often think, people with a decent job and a steady income. An interest rate on mortgages in many of these emerging economies is thirty percent. There is not a community development profession and little interim financing for infrastructure. Therefore, these and other barriers shut the emerging middle class out of appropriate housing. INURBA’s goal is to remove these barriers.


In early 2012 Enviu and Rick Holt started INURBA to fulfill the promise that Open Source House offered. INURBA will deliver affordable and sustainable housing in the form of complete communities to the emerging middle class. The houses are provided with infrastructure that includes clean water, sanitation facilities, and power.

INURBA will be working together with local banks, business partners, universities, and government. It will offer buyers mortgages with an interest rate that will vary between five and ten percent, charming communities that are sustainable, and affordable housing that is designed to be culturally and climate sensitive.


By the end of 2020, we intend to provide 100,000 families with housing. Our first project will start fall of 2012 in Nicaragua, followed closely by a project planned for Ghana. In 2013 we intend to house 240 families and by 2014, an additional 440 in healthy communities.

Proper urban development has an accelerating effect on a society’s stability. It offers a wide range of long-term impacts that touch on many needs. These needs are often being responded to in a fragmented fashion that may offer only a short-term solution. As the community infrastructure is installed, clean water, proper sanitation, and electrical power must be provided as a common necessity. Through these facilities, we can support and ensure long-term health, hygiene, safety, security and, a much lighter environmental footprint.

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