Also i doubt Tanzania has the code/zoning insanity of the US. You build your hut for cheap and quickly, then you put your concrete house next to it and build it over 10 years as you get money. Probably shared across a larger family. In places like US this impossible; you can only build 1 house on most plots and permits aren't amenable to slow progress so you need a loan and a gigantic pile of money all at once.

Zoning concerns wouldn't apply to a country without functioning state institutions and a monopoly on violence either way.