Dr Noah Kofi Karley

Dr Noah Karley has been appointed Associate Professor in charge of building our African links, profile and partnerships to raise the awareness and profile of the Faculty of Business and Law and ARU within Africa. He has experience of researching property and urban systems from an interdisciplinary (but predominantly economic) perspective. He has particular skills in assembling economic datasets and analysis of housing market data.

[email protected]

Background

Dr Karley obtained an MPhil and PhD in the field of Land Economy from University of Cambridge in 2002. Prior to that, he graduated in 1992 with BA (Hons) degree in Economics and Geography from University of Science and Technology, Ghana. In 1996, he achieved a First Class Master of Commerce in Economics from University of Zululand, South Africa; and in 2001, he obtained a Certificate for International Housing Finance Programme from Wharton School in the University of Philadelphia in the USA. Dr Karley is a Senior Fellow of the Higher Education Academy, United Kingdom, and Since 2022, a member of Royal Economic Society (RES) of UK Standards of Conduct Committee.

He has a great deal of teaching and research experience in different countries including the United Kingdom (Cambridge University and Heriot Watt), South Africa and Ghana. Since March 2006 he has been a regular visiting lecturer to the Shanghai University of Finance and Economics in China. He is a peer reviewer for the Australian Housing and Urban Research Institute. In the past, he has received research grants from various sources including the Scottish Government, Royal Institution of Chartered Surveyors (RICS), and Office of the Deputy Prime Minister of UK (ODPM), and has published research outputs widely in books and peer reviewed journals.

Spoken Languages

• English
• Deg (Mo)
• Akan

Research interests

• Property/real estate and urban systems
• Housing finance mechanisms and microfinance systems
• Mortgage Backed Securitisation and debt finance
• Economic growth analysis, particularly of developing economies
• International trade and Foreign Direct Investment patterns and mechanisms

Areas of research supervision

• Rationalisation of International Trade and Investment Agreements: Case of East African Community
• Housing Finance and Delivery Constraints in Ghana: The Case of New Juaben Municipality
• An Assessment of inclusive growth mechanisms in Nigeria: Case study of Orumba Communities
• Impact of Economic Growth and Debt on Financial Stability: Case of Selected EU Countries
• The Impact of Sectoral Bank Lending on Economic growth in Nigeria
• A Study of the Impact of Globalisation on Economic Inequality: a Case of Vietnam
• The Determinants of FDI Inflow into China
• Service Logic in Bank Marketing in Sub Sahara Africa: a Case Study of Barclays Bank in Ghana
• Impact of Economic Growth on Inequality: An Empirical Research on South Asia
• Impact of Economic Growth and Debt on Financial Stability: Case of Selected ECOWAS Countries
• Land Administration System and the Provision of Affordable Housing in Ghana
• Transformation towards Sustainable Living under Global Education System - International Students' Experience
• Exploring International Students’ Experiences of Studying in UK Universities: a Narrative Inquiry of Nigerian Students
• Impact of Development Finance on Akwa Ibom State, Nigeria

Teaching

Leading the following:

• International Trade Policy
• supervising postgraduate major projects
• supervising undergraduate dissertations

Qualifications

• Senior Fellow Higher Education Academy, Anglia Learning and Teaching, UK, 2014
• Postgraduate Certificate for Academic Practice, Heriot Watt University, UK, 2004-2005
• PhD Department of Land Economy, University of Cambridge, UK, 1998-2002
• Certificate in International Housing Finance Program, Wharton Real Estate Centre, University of Pennsylvania, Philadelphia, USA, June 2001
• MPhil in Land Economy, University of Cambridge, UK, 1997-1998
• Master of Commerce (Econ), First Class, University of Zululand, South Africa, 1994-1996
• BA (Hons) (Economics & Geography) 2:1 University of Science and Technology, Kumasi, Ghana, 1989-1992

Memberships, editorial boards

• Member of Royal Economic Society (RES) or UK Standards of Conduct Committee, since 2022
• Peer Review Panel Member, Australian Housing and Urban Research Institute (AHURI Housing Research), since 2018
• Executive Committee and editorial board member: West Africa Built Environment Research, since January 2011
• Journal of Housing Studies, reviewer since 2010
• Journal of Financial Management for Property and Construction, reviewer since 2010
• Journal of Institutional Economics, reviewer since 2010
• Associate Member, Royal Institution of Chartered Surveyors (RICS), since 2001
• European Network for Housing Research (ENHR): Member since 2001
• International Union for Housing Finance: Associate Member since 2000

Research grants, consultancy, knowledge exchange

• Between 2003 and 2013: Contributed towards various Urban Studies groups’ research contracts and obtained research awards from various sources including Joseph Rowntree Foundation, Scottish Government, ESRC, O.D.P.M. etc. as member of research team at the Institute of Housing, Urban Real Estate Research at Heriot-Watt University, Scotland. Contributed towards various Urban Studies groups’ research contracts (about £4m)
• These have led 14 Outputs delivered at conferences and then published in peer reviewed journals (listed below) and some also entered into various RAE and REFs
• Collaborative research grant of £8,000 in 2012 from KNUST to study students housing quality measurement. Output published in a peer review journal, Urban Study Research, 2013
• Internship Award (2014): UK Homeownership Scheme. Appeared in the media including BBC Television, Look East to discuss UK Government housing subside scheme
• 2008: Received £14,000 from Royal Institution of Chartered Surveyors to study Physical Planning and Flooding in Accra, Ghana
• 2007: Received £4,426 from Royal Institution of Chartered Surveyors to study Prospects of Ghana real estate market
• 2004: Received £17,500 from Scottish Executive Education Department to assess effect of Homeownership on Educational Attainment of children in deprived neighbourhoods

Selected recent publications

Books

Transforming places: Housing investment and neighbourhood market change. York: Joseph Rowntree Foundation, 2007 (ISBN: 978 1 85935 575 6).

Lending to Higher Risk Borrowers: Sub-prime credit and sustainable home ownership, York: Joseph Rowntree Foundation, 2005 (ISBN 1 85935 334 7) (With M Munro, J. Ford and C Leishman).

Book Chapter

Affordability, need and the intermediate market: Responding to the challenges in pressured regions’, In P Boelhouwer, J. Doling and M Elsing (eds.) Home ownership, Housing & Urban Policy Studies, Delft Printing Press, 2005:95-112, ISBN 0926-6240; 29 0r 90-407-2594-2 (With G. Bramley).

‘Home ownership, poverty and educational achievement’, In P Boelhouwer, J. Doling and M Elsing (eds.) Home ownership, Housing & Urban Policy Studies, Delft Printing Press, 2005:161-181, ISBN 0926-6240; 29 0r 90-407-2594-2 (with G. Bramley).

Peer reviewed journals and others

Karley, N. K., Osman, M., Mahmoud, A. F. H., Mosa, L., & Eltawil, H. (2024). The Trajectory of Social Housing Finance and Provision in Egypt. Journal of Commercial and Environmental Studies, 15(4), 7085–7136. https://journals.ekb.eg/article_413012_f110579f7c949c315ed364da509a3681.pdf; https://doi.org/10.21608/jces.2024.41301.

Investigating Finance-Growth Nexus: Further Evidence from Nigeria. International Journal of Economics and Finance; Vol. 10, No. 9; 2018 ISSN 1916-971XE-ISSN 1916-9728 Published by Canadian Center of Science and Education (With A. Y. Ayebowale).

Assessing the Role of Housing Microfinance in the Low-income. Journal of Poverty, Investment and Development. Vol. 28, 2016.

Determinants of Office Rents in Accra, Ghana. Housing Finance International Journal, Spring 2016: 24-31, Vol. XXX No. 1. ISSN: 2078-6328 Developing Student. Housing Quality Scale in Higher Institutions of Learning: A Factor Analysis Approach. In Urban Studies Research, (2013) (with F. Bondinuba and S.G. Numako).

Remittances to Ghana: Benefits to the Housing Sector and impact of financial Crisis. Journal of Civil Engineering and Architecture, Volume 6, Number 10, October 2012 (Serial Number 59).

An outcome-based allocation model for local education services in Wales. Environment and Planning C: Government and Policy 2011, volume 29, pages 848 - 871 (With G Bramley and D Watkins).

Flooding and physical planning in urban areas in West Africa: situational analysis of Accra, Ghana. Theoretical and Empirical Research in Urban Management, Volume No. 4 (13) November, 2009:25-41.

Ghana Residential Property Delivery Constraints and Affordability Analysis. Housing Finance International Journal, VolXXII No. 4, June 2008 pp 22-2.

Home-ownership, Poverty and Educational Achievement: School Effects and Neighbourhood Effects. Housing Studies, Vol. 22 No. 5, September, 2007:693-722. (with G. Bramley).

How Much Extra Affordable Housing is needed in England? Housing Studies, Vol. 20 N0. 5 September 2005: 685–715 (with G. Bramley).

Impediments to Mortgage Borrowing for the Under-Served Urban Household in South Africa. Journal of Social Development, Vol. 19 No 1 (2004) ‘Challenges in Mortgage Lending for the Underserved in South Africa. Housing Finance International, Vol. XVIII/No.1: 27-33, September 2003.

Alternative Options to Mortgages in Ghana. Housing Finance International, Vol. XVII /No.2: 26-30, December 2002.

The Mortgage Backed Securities (MBS) market in the UK: Developments over the last few Years. Housing Finance International, Vol. XVII/ No. 2: 31-36, December 2002 (with Christine Whitehead).

Government Investment Growth and Employment in South Africa. Journal of Social Development, Vol. 15 No 1 (2000).

Recent presentations and conferences

Presented a paper at the Kumasi City Hall, Ghana Housing week Forum on the topic: Housing for the Elderly: Challenges and Solutions, 17 December 2021.

Delivery of series of lectures on housing development and finance to Lagos Architects Forum members on 2 December 2021, organised by the Nigerian Institute of Architects, Lagos State Chapter.

‘The title of presentation ‘Impact of transport cost on housing’ at Kwame Nkrumah University of Science and Technology, Ghana Seminar series 8-9 November 2021.

Organised and hosted an Interdisciplinary Collaborative Research Conference with Special Relevance to Developing Countries on behalf of Department of Economics and International Business from 23-25 November 2017 in Hughes Hall, Cambridge. This conference was attended by participants from over 16 different countries.

Presented a paper on ‘International Trade and Brexit’ at a Seminar in Copenhagen Business School, Copenhagen, Denmark, International event from 21-23 February 2017. Topic of presentation ‘UK Options outside the EU’.

Presented a paper on ‘Implications of Financial instability and Public Debt on Economic Growth’ at the 2016 Global Development Finance Conference and Networking Cocktail event from 22-24 November 2016 at the Gateway Hotel in Durban South Africa.

Presented a paper on ‘Service Logic in Bank Marketing in Sub Saharan Africa: case of Barclays bank Ghana’, at the 2016 Global Development Finance Conference and Networking Cocktail event from 22-24 November 2016 at the Gateway Hotel in Durban South Africa.

Presented a paper on ‘Determinants of Office Rents in Accra, Ghana’ at the West Africa Built Environment Research (WABER) Conference, in Accra from August 10-12 August 2015.

Participated in a discussion as a guest speaker at a seminar organised by the Urban Land Institute Asia Pacific on the topic The New ‘’Normal’’ and the Real Estate Market. The venue was the 11F PWC Centre 2, Corporate Avenue 202 HuBin Road Huangpu, Shanghai, China, April 2015.

Presented a lecture series on real estate development to CONSTRAD 2013 – The International Trade Show and Expo coming from 31st October to 2nd November 2013 at Lantana & Orchid Halls, Expo Centre of Eko Hotel & Suites, Victoria Island, Lagos, Nigeria.

Presented a series of lectures to Lagos Architects Forum 2013 organized by the Nigerian Institute of Architects, Lagos State Chapter, held from Wednesday 14th – Saturday 18th May 2013, at the Jasmine and Zinnia Halls, Expo Centre of the Eko Hotel & Suites, Victoria Island, Lagos.

Presented a paper on “Remittances to Ghana: Benefits to the Housing Sector and impact of financial Crisis”, West Africa Built Environment Research (WABER) Conference, Abuja 24-26 July 2012.

Presented a paper on ‘Flooding and physical planning in Accra, Ghana at the American Real Estate and Urban Economics Association (AREUEA) International conference from 11-14 July 2009 in Los Angeles.

Presented a paper on ‘Overview and the prospects of the Ghana Real estate Sector’ at the American Real Estate and Urban Economics Association (AREUEA) International conference from 11-14 July 2008 in Shanghai, China.

Presented a paper on ‘Ghana Residential Property Delivery Constraints and Affordability Analysis’ at the American Real Estate and Urban Economics Association (AREUEA) International conference in Macau July 2007.

Presented a paper on Homeownership and Educational Attainment of Children at International Symposium on Urban Economy & Land Policy, Shanghai University of Finance & Economics, 24 March 2007.

Presented paper at Housing Advocacy Seminar on “Developing Real Estate Mortgage Data in Developing Countries” From 13-17 March 2006, London.

Since 2006: Reviewer of Housing Studies Journal.

Presented paper at Housing Advocacy Seminar on “Developing Real Estate Mortgage Data in Developing Countries” From 13-17 March 2006, London.

Joint presentation with G. Bramley at International Conference, “Inside Poverty Areas” Cologne, Germany, 2-4 December 2004.

Presentation of “Home-ownership, poverty and educational achievement: school effects as neighbourhood effects” with G. Bramley at the ENHR conference in Cambridge (2-7 July, 2004) on ‘Home ownership and educational attainment’.

Presented a paper at the ENHR conference in Vienna (1-5 July, 2002) on ‘Impediments to Mortgage lending in South Africa’.

Fannie Mae, International Housing Finance Symposium (9-13 Oct 2000), Washington, DC.

Media experience

Quoted in January 2014 in the Cambridge Evening News on economic issues facing the city of Cambridge; ‘City’s success story but at what price?’.

Interviewed by BBC Look East on ‘Help to Buy Scheme’ when the Prime Minister visited Bedford to promote the scheme.

On 18 March 2014 speaking about the March 2014 Budget implication for Home Ownership aspiration.

Cambridge Evening News coverage of contribution in a story date 15 August 2014 on Time spent by people buying a home.

Quoted in August 2014 in the Cambridge Evening News about impact of cost of living on causing families to cut down on food to pay for food.