IDB – Challenges of affordable housing finance in Islamic development bank member countries using Islamic Modes and this document by Nasim Shah Shirazi, Muhammad Zulkhibri, Salman Syed Ali, Occasional Paper No.13, Islamic Research and Training Institute, a member of IDB Group, SHAPE Financial Corp., 2012. Housing is one of the basic needs. It is linked with many other sectors of the economy and any change in it affects the whole economy and sometimes the whole world – the case of the US subprime crisis. Promoting this sector consequently promotes employment, consumption, and investment in the economy. Although housing is of tremendous importance for families, society, and for the economy at large, the fact remains that all the developing countries including the IDB.