Building Solidarity Across Europe & Reclaiming Finance

Or What We Learned from Switzerland’s Cooperative Housing Ecosystem & Vice Versa

For the week surrounding this year’s International Day of Cooperatives, we went to Switzerland to deepen relationships with those that have spent decades in the guts of one of the world’s strongest cooperative housing ecosystems. The exchanges were focused on coop housing ecosystem building, collaborative housing finance and international cooperative solidarity.

We spent the week visiting Geneva’s housing cooperatives and meeting its residents – including CODHA, Archipel, Équilibre and SCHG. We learned of the different ways they use external and internal capital to develop new projects and support members, of how their origins, scale and residents affect their priorities. We also met with Philea, a non-profit coop that facilitates access to credit. In Zurich, we met Hans Rupp (former ABZ and Kraftwerk1 CEO), Andreas Wirz (WBG Zurich), and Franz Horvath (WBG Swizerland) to use our collective intelligence to pinpoint what makes coop housing in Switzerland work as a fundamental part of the housing system – and to identify new ways of moving forward with building a new reality for cooperative housing in Central and South-Eastern Europe. 

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RurALL’s Multi-Stakeholder Governance Model

Rural areas are experiencing complex challenges of depopulation, population ageing, declining public services, shrinking local economies, and an increasing number of (rarely mapped) vacant and deteriorating buildings. The RurALL project consortium looked at vacant and deteriorating buildings from a different angle and saw them as an opportunity to address these intersecting challenges and pave the way for revitalising participating territories through the buildings’ mapping and reuse.

This required different forms of knowledge, resources, actors, levels of governance and modes of engagement to come together. And our consortium set out to lay out the practical tools and actionable steps to guide communities and municipalities through the process of creating inclusive and sustainable governance structures. As the project is finishing, we are sharing the MSGM manual as one of the central outputs of our cooperation.

Browse through or download the Multi-Stakeholder Governance Model manual here and watch a video presentation here. If you’re curious about the whole picture, browse the full project library here.

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Coming full circle & closing the RurALL project in Beltinci

On 20–21 May 2026, we closed the RurALL project – an Interreg Danube Region cooperation exploring how vacant and deteriorating buildings can become starting points for wider processes of rural revitalisation. The project kicked off 2 and a half years ago in the same Slovenian Municipality of Beltinci, our exemplary lead partner. This closing conference was a 2-day gathering of municipalities, development agencies, research institutions, civil society organisations, experts and students from 11 Danube-region countries (with all 5 MOBA countries among them!), and this is the work we did:

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Finding our place at World Urban Forum in Baku

Last week we spent at the vastness of the World Urban Forum in Baku. We presented MOBA’s work in the region on bridging the gap in coop housing finance with our cooperatively owned financing mechanism the Accelerator, reflected on the bruises and breakthroughs we’ve experienced on the way, joined community-led housing friends and allies at the Habitat Village, and found genuine understanding among EU-level decision-makers at the UN Habitat Arena. 

Inspiration, hope and celebration – of increasing recognition of the importance of centering care and imagining new financial architecture to support it, the resilience of initiatives such as Slum Dwellers International who celebrated their 30th anniversary, 40 years of World Habitat Awards, gradual shifts and hard-won victories across contexts globally – mixed with the uneasy feeling of being faced with what we’re up against: top-down, market-driven housing actors who shape and exploit narratives, with platforms much, much bigger than ours.

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European Alliance for Collaborative Housing gathers key actors in Brussels

From February 24-26, the European Alliance for Collaborative Housing organised an event in Brussels that marked a pivotal moment in its ongoing advocacy – we gathered collaborative housing actors from across Europe and key decision-makers to further push for the European Affordable Housing Plan to centre long-term affordability at a stage when the Commission is moving towards its implementation. 

The Alliance is formed by MOBA, World Habitat, European CLT Network, urbaMonde, European Student Cooperative Housing Alliance, NETCO, Red Vivienda Cooperativa and Sostre Civic and advocates for “collaborative” or community-led housing – models based on long-term affordability and community stewardship, with a focus on housing cooperatives and community land trusts.

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New member joins MOBA!

Only getting younger!
We have a new member: Foundation for Housing the Youth (FHY) – Fiatalok Közösségi Lakhatásáért Alapítvány, from Budapest!

The Foundation has been created by the legendary College for Advanced Studies in Social Theory (TEK), a unique student organisation that gave rise to numerous civil society organisations and social movements in Hungary. And so, we expect things to shake up in MOBA as well.

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MOBA 2025 Annual Report

Our wish for 2025 was strong communities and resilient enthusiasm – and this is precisely what we were lucky to have.

In 2025, MOBA:

• Brought the Accelerator, our community-owned revolving fund, to the final stages of development

• Advocated extensively for cooperative and community-led housing to be recognised in the European Affordable Housing Plan

• Supported territorial partners in the Danube region through the RurALL Interreg project, analysing vacancy mapping data and contributing to governance and business model development for the participatory transformation of mapped buildings

• Participated in the International Social Housing Festival, the Global Social and Solidarity Economy Forum, the Responsible Housing Finance Summit, and more

• Strengthened our capacities in targeted areas of cooperative law, sociocratic decision-making, and facilitation

This work continues into 2026, with some cooperations and processes only just beginning.

We are glad to be kicking off the new year as part of a consortium working to reduce inequalities and strengthen participation by bridging the gaps between grassroots housing solutions and policymaking through local and regional forums on community-led housing.

Read our full annual report for 2025 below!

RurALL project: Tools for Rural Municipalities in the Danube Region

Many rural communities face a shared challenge: empty and deteriorating buildings that lose value over time, while they struggle with depopulation, limited services, and fewer local opportunities. The RurALL project addresses this challenge by helping rural municipalities identify vacant buildings, engage local stakeholders, and develop realistic renovation concepts supported by governance and financing solutions, aligned with the principles of the New European Bauhaus.

Now in its fourth project period, MOBA contributes expertise in cooperative and impact-oriented real-estate, mutli-stakeholder governance, business model development, and financial planning. Within RurALL, MOBA focuses on translating these approaches into tools that municipalities can realistically apply—and download below!

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Policy recommendations: cooperative and community-led housing within the European Affordable Housing Plan

The European Commission launched a Public Consultation for the European Affordable Housing Plan in July (until 17 October), and we submitted our contribution, hopeful that the European Commission will use this historic opportunity to prioritise support for existing solutions that address the root causes of the varying manifestations of the housing crisis.

In this post we share the full text of our regionally-focused policy recommendations.

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