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Bugembe cent construction labour demographic characteristics economic educational level engagement in urban engaging in housing ethnic groups female house owners female non-owners female ownership formal financial institutions funds to purchase gendered social structures hence housing development process housing finance husbands income influence Informal sector inherited land Jinja Municipal Council Knowledge of sources land titles Lee Smith length of stay length of urban less level of education Loans from formal location for building male and female marital status marriage men's and women's Obbo obstacles obtain building occupational certificates participation in urban personal savings primary education problems in raising process of acquiring processes and relations purchase an urban purchase land real property reproductive status Republic of Uganda respondents rural areas societal socio-economic and demographic socio-institutional phenomena Soga and Ganda sources of funds spouses statistically significant differences Table Total urban areas urban housing development urban plot urban residence women inherited women's engagement