Unlike people in the west, most africans can't use their houses as collateral because
a) they do not have houses
b) they have no concept of property
c) they live in government housing
d) they do not have legal title proving ownership

Unlike people in the West, most Africans can't use their houses as collateral because they do not have legal title proving ownership.

Option D

Explanation:

Most of the people in Africa do not possess legal documents of having their own house or land. They do so in the belief that the land is belonging to them as they have been residing there for millennium. The other belief is that their identity belongs to a group and not to be an individual.

So, they believe that the land belongs to the group where they built houses for their own but individuality is not the concept. So, the Africans do not use their houses as collateral because of the fact that they do not possess legal title over the houses or land for proof of ownership.

the idealization of the rural landscape ; admiration for the beauty of nature ; focus on an individual's inner concerns