Informal Settlements
An informal settlement is a residential area that develops without formal legal ownership of land, building permits, or full access to services like piped water, sewage systems, or electricity, often built by residents themselves out of necessity when formal affordable housing is scarce. Roughly a quarter of the world's urban population lives in informal settlements or slum-like conditions today, concentrated heavily in cities across Africa and Asia, and while conditions vary enormously between and within settlements, most residents face real gaps in services, safety, or legal security of tenure.
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