As most of the housing shortage is in the low-income segment, the poor need empowerment through housing finance.
Institutional Housing Finance is either non-existent or in the infancy stages in most of the Muslim World (Afghanistan and some African Countries). Slightly advanced in some others (Malaysia, Turkey, Egypt, Morocco, Indonesia, Pakistan, and Saudi Arabia).
The regulatory Framework is also quite similar.
Additional challenges include:

Role and responsibilities of Specialized Housing Finance Institutions (HFIs) and Commercial Banks (CBs). Long-Term Liquidity Facility Institutions and Instruments.