REGISTERED COMPANY NUMBER: I)3411565 (England alld Wales)
REGISTERED CHARITY NUMBER: 1065705
REPORT OF THE TRUSTEES AND
AUDIIID FINANCIAL sTATEME￿Ts FOR THE YEAR ENDED 31 DECEMBER 2022
FOR
SURVIVORS FUND (SURF)
(A COMPANY LIMITLD B Y GUARANfEE)
Prestons & Jacksons Partnership LLP
Sthtutory Auditors
364 - 368 Crdnbrwk Road
llford
F.ssex
IG2 6HY

SURVIVORS FUND (SURF)
CONTENTS OF THE FINANCIAL STATEMEwrs
FOR THE YEAR ENDED 31 DECEMBER 2022
Page
ChairnaD's Report
A note from the Chief Executive
Rewrt of the Trustees
3 to 30
Report of the llldepeDdenl Auditors
31 to 33
StstemeDt of Fillallcial A¢tivitie$
Statement of Fin*llei*l Po5i¢ion
35 to 36
Statement of Cash Flows
37
Notes to the St3tement of Cxsb TrIow5
38
Notes to the FIDancial Statements
39 10 49
Detailed Statement ofFin•neial Actii'ities
50 to 51

SURVIVORS FUND (SURF)
CHAIRMAN'S REPORT
FOR THE YEAR ENDED 31 DECEMBER 2(122
Thi5 has kcn a motn¢ntQU5 ycar for Survivors Fund ISURF). C¢l¢brntittgSURFs 25th anniv¢rsary has given
us the oprrt)rtunity to reflect upon th¢ many. achievements of the orgallisation since its founding by the
inspirational Mary Kayitesi Blewitt OBE, but also to re-assess the mytiBd of challenges facing survivors of
the 1994 GetLocide against the Tutsi ID Rwanda both now and in the future.
Non¢ of what SURF achi¢vcd in thc last 25 years would have been ￿SsI1)Ie without the ollgoing support
of SURF'S many donors and bencfactors. Your generosity, advocacy and kli¢f in our ¢ause have bcc
int¢gtal to SURFS success. MaDy, many liv¢s havc b¢¢n IraTLsformcd bcL2use of you. You have shown those
wbo have felt so abandoned by the world, there are people who do care dewly. You have given
survivors the greaiesi gift -that of hope and for this wc arc ctcrnally ￿tefUl.
I would also lik¢ to re¢ognize the ¢nomious ¢ontribulion mad¢ by our trustees. both past and prescnt. You
have frcely givcn of your time. effort and skill to CDsurc that. through robust governance, SURF has
withstood thc test of lime and gone from sttetlgth to strength. Thank you for everything you havc done aThl
contsnue to do to cnsure SURF continucs to flourish.
And now to the wonderful sthff of SURF. both past and prcsenL The d¢dicAtion and commitment sho￿￿ by
all of SURF'S stsff, day in day out, often iD such trying and challenging circumstances, is tThly inspirational.
SURF is nothing wiihout you and wc arc truly privilcgcd to work with you. Watching you work so tirelcssly
to transform th¢ Iiv¢s of Tnany people who have suffeTed so much 19 truly humbling. The trne impa¢t of
your work will pcrbaps never bc known. but it is immeasurable.
Working Collectively, donors, trnstees and staff have made SURF what it is. As individuals we cannot
changc the eniiTe world, but wc can ccrtainly changc thc entire world of other individuals. And this is what
you have done for couniless individuals in Rwanda. l thank you from th¢ bottom of tny h¢an!
Wc hoT)OUT the memory of the innocent souls ￿'hO perished in the genocide and acknowledging the brav¢ry
of those who surYiYed. Thcir courage. their Tcsili¢n¢¢, thcir di￿llY and ￿.711 to SU￿1ve and to strive for a
ountry wh¢r¢ this n¢ver happen5 again, is an inspiration io us all. Thc 5un'ivors show us th¢ v¢ry best of
what it means to be human. We honour and salute YO￿ And we at SURF vow io never forget them.
SaJD Hunt MBE, Chair
April 2023
Page I

SURVIVORS FUND (SURF)
A NOTE FROM THE CHIEF EXECUTIVE
FOR THE YEAR ENDED 31 DECEMBER 2022
Th¢ year 2022 was a year of converging global challenges. including th¢ effects of the COVID-19 pandemic,
rising costs of living, an incrcase in conflict, and soaring povcrty and bUD￿r worldwidc - all worscned by
th¢ impact of the climate crisis and global conflicts. These ititetwtiug crises have deepend the in¢quity
survivors face daily aud thr¢a*n to reverse progress made towards self-reliaDCe. This tnakes the work
undertaken by SuTrivors Fund (SURF) more iTnPOrt8nt than ever before.
During this ycar w¢ havc bccn able to Scale up IN￿ youth ecoDoInic progrJm5, rnental health projects and
livelihood work and I would lik¢ to thank my collwes and our paTtnci orgaDisatioT]s for thcir commilmcnt
lo support in thc implementation of ih¢se programs. Their passion and energy demonstrate how much they
caic a￿ut the well-being of genocidc survivors. Tbank you also to the tllembers of the SuTrivor5 Fund
(SURF) Board. I'rn honored for the opw)rtunity to be able ￿ ¢ontinue to lead the work of Survivors Fund
(SURF) with their sUp￿t
Lastly, we want to thank all our donoT5 and SUPFQrtcrs. This work could DOI be tM)ssible without th¢ ¢riti¢al
funding we rcceive from donors including Clifford Chance, Chariti¢s Advisory Tn￿( Foundation
Rwanda, Network for Africa. ]nspir¢ Afri￿ Addax & Oryx Foundation. Shooting Touch and the many
individual donors around the world. Thank you all for the In￿t youlTe sho￿￿ in cotjtinuing lo SUp￿}rt our
work and growth over so mally y¢ars. And wc look forward to CODlinuiDg this journey ahead with you too.
As you read through this Annual R¢port, I hopc you ffel inspired by the many great accomplishments that
have b¢¢n achicvcd in thc facc of adversity. Again. ibank you to our dedicated dothor5, SUPPOrters, ln￿tee5.
as wett as all of our team and parth¢rs ith Rwauda who make possible this worL
For ihosc intcrcstcd to learn Tnore, and to suptKTrrt our work furthcr. plcase do log oll to our w¢bsit¢ at
Ivw.survivors-fund-or .uk on which there are filnLS whicb bring to life some of SURFS projects, as well as
infomrdtion on how to dunat¢.
With gratI￿de.
Samuel Munderere, Cbief Exeeutive
April 2023
Page 2

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2022
The trustees who ar¢ also direclors of tbe chtlrity for the purposes of the CuJtJpanies A¢1 2(K)6. present their
report with the financial staiemenls of the charity for the ycar ended 31 Dtxernber 2022. The tnjstees have
adopted th¢ provisions of Accounting at￿ Reporting by Chariti¢s: Ststetnent of Recommcndcd Practice
apphcable to charities prepatitig th¢ir accounts in accordance with the Financial R¢porting Standard
applicable in the UK and Republic of Ireland (FRS 102) (effective l January 2019)-
ORIECTIVES AND ACTIVITIES
Public benefit
Thc irusi¢¢s confimi that they havc complied with the duly in section 4(1) of the Charitics Acl 2011 to have
due regard to public bcncfit guidance published by the CotUmiS5ion in determinillg tbe aCti￿ticS undcrtakcn
by the Charity.
Pagc 3

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2022
STRATEGIC REPORT
Achlevement and performance
SUMMARY OF THE YEAR
H¢re we highlight sorn¢ of our work in 2022 and flag up of the w(Mk that we plan to undertake in 2023.
The ¢xt¢tnal etlvirotllnent for fijndraising ha5 never been mor¢ ¢omWJ"tiv¢ and difficulL and the financial
climate challenging a5 a result of the hi￿ inflation ralc in Rwanda, so we're pleased to hav¢ su5tain¢d our
work in thi5 challcnging envirotllnettt aud to have grown ti itt bon)¢ key are&%.
Coun5clling Extenslon Response Projttt (CERP 11)
Suryivors Fund (SURF) has developed 3md delivered all arrny of mental health projects to SUPM survivors
over the pasi 20 ycars. Some of our mental health work 15 delivered through conducting counselling groups
across the country through our local partn¢r orgdnisations.
With funding from Clifford Chance through the Comerstone progrdmffte. thc Counselling Extension
Resp)nse Projcct (CERP 11) is enabling SURF, in ¢ollaboratson witb its partners, to p[0￿de access to
phonc-based counselling and supplcmentary supp)rt to iwtneFabl¢ suThryvors of ihe genocide, and related
vulnerable p¢rsons, from the April 2021 throu8b io October 2022.
The main focus of tbc work has been to sustaiD access to phonc-bascd and peer support wu[￿lI1￿g lo
urvivors of ihe geuocid¢ against the Tutsi: and retated vulnerable pewns (principally their children born
after genocide. or other members of thesr ho￿Sehold) across th¢ county. Specifically. we wer¢ fo¢￿$¢d on
cllsuring access to such support thiring the commemoration period of thE g¢nocidc (April to July) and in the
aftemiath of th¢ COVID-19 pandemic.
B¢n¢ficiaries Principally are members of the parthcr organisations of Survivors Fund (SURF) which includc
AVEGA (National Association of Wtdows of the Genocide), GAERG (National Suryii'or's AssociatlQD of
Graduat¢ Students), AERG (Natiollal Styd¢ut's A550ciation of Genocide Survivors) and IBUKA (National
Membership Body ofsurvivovs Organisaiions). The project aimed to support all caicgories of surNivors and
relai¢d ￿lnerable persons who are suff¢ring from mcntsl hcalth problenLS, through rdising awar¢nc5s and
providing acr£ss lo mcntal health sUp￿rt.
The nwjorily of those accessing the support are elderly (and oft¢n I￿USeboUndl genocide widows and
younger survivors (without familial support).
At the outset of the projeLt. w¢ have set targets for key output atKI outcome indi¢aiots. Jn almost a]1 cascs we
met or ¢xcceded those targets- with ihc exception of a STnall undcrdchievcment io new callers to th¢ hclpliTh¢
and participants rec¢iNing support from a PSC due to a grea￿r emph&5is on proN'idiDg more in-depth and
extend¢d r¢peat support to those most ill need through the courif of the project las op￿8¢￿ to lightcr touch
one-off support, which would havc increased these nuM￿rs, but not n￿5$an]Y to the bcnefit of those the
project is inicnded to most support, Mthich th¢ most vulncrablc).
Over the duration of the project 25,288 calls wcrc rcswTrndcd to by counsellots and P¢cr Support Counsellors
(PSCS) through the helplines. There were 4.651 new callers to the helplincs, wbo were accessiDg suppori
through thc phone-based couns¢lling for ihc r￿st tim¢. In addition: trainin8 and resources have been
exlended to ihe 48 Peer sUp￿rt Counsellors w.ho ar¢ ¥olunteeis ￿tK) have been equipped with th¢
knowledge and funding to proi'ide assisrance 10 5,582 PLU)ple in need ihrough ihc projccl, in tum enabling
thcm to improve thcir well-being through mental health 5upporL
From the eDdtine survey we conduct¢d:
Page 4

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2022
- 98•/0 of res￿ndeThtS re￿rted that they hav¢ f¢lt supported by having access io th¢ pl￿￿e-baSed counselling
Ibrougb the helpline. and will use it again if available.
- 89 /0 of re8p)ndents rep)rted that thc helpline tnade a p)sitivc cootrilNJlion to improving their psychosocial
condition as a result of thc scryices rnad¢ available through IL
91•/o of respondents r¢port¢d that the helpline was ¢ffe¢tive in helping to address the issues aTrM)ut which
they called.
- 8IY/o of respondents us¢d th¢ helpliDC again after using it for th¢ first time. evidencing thc ongoing nced
and value that is placed in the serrio¢.
- 55 /0 ofrespond¢nts pr¢f¢r phone-ba5ed counsellitig as the way lo acccss such supp)rt.
An estimated 225,(X)O ￿0P[e have bccn rcached through radio adverts, SFK>t jingl¢s and social mcdill
(based on channel audience figurcs) who have better understanding of and confidence in thc mental health
support tbat is available to and greater knowledge as lo how to recogni5e and cope ￿ryth mental health
challenges.
The need alld detnand for th¢ counselling serytces made accessible thtougb CERP ll are grealer than ever, in
part due to the reduction in government funding for dedicated counselling seTViC¢S for suryivors. The tak¢-up
and effectiveness of the h¢lplincs and peer counselling made tM)ssiblc by CERP ll has proven to be more
impactful than ever (significantly increasing 5in¢c CERP) du¢ to grcatcr awa￿n¢&5 of th¢ support that is
available aud how to arr¢ss it.
As a rcsuli Clifford Chance a￿d a new grant for the Counselling Enhancoj Rcach Projcct (CERP 111)
which will run from December 2022 through to Octob¢r 2024, which int¢nds to tralise thc ambition and
potential of the pruject io ensure that survivors can continue to access the counselling support that they
require, thn)ugh to the 31hh Annivcrsary of thc Gcnocidc against the Tutsi. and then cmbed the model so that
su¢h 8UPPOrt Continues lo be availablc bcyond thc cnd of CliffoTd Chance fijnding.
Marie
"Personally. l ihank God very much aknut thc supikn I have received for my mental health through
telephone. During the g¢n￿ld¢ of 1994 againsi Tutsi in Rwanda 11051 all my cbildren and busban(L as well
as properties. Since then, I have serious trauma which migbt noi Cottle to an end soon. l uscd to TDCCt a
counsellor often for advi¢¢ gnd support b¢for¢ COVID-19. During thc pandemic I was hopclcss, and l am
sure there are so many survivors who are like me. I started thiDking how I will surviv¢ with£￿t mc¢ting oihcr
people for moral support. I was not able lo call tbe counsellor using airtin￿. as I could not afford the cosL
and I attempted killing myself thn)ugh suicide. My neighbour saved me. Orh¢¢ J M'as list¢ning lo radio, I
heard a radio spot mcntionsng thc numbcr to b¢ call¢d ￿h¢n you Dccdcd mcntal health supp)rt. l called the
number and I swk¢ with a ¢ouns¢llor who has helped me over a number of different sessions. I have called
many tiTnes to speak to the counsellor and she calls me to follow up. l am noiv feeling happy. and I have
joined other WOTncn in a saiing and loan5 group to participat¢ in incom¢ generating activitics to help myself
by starting small business of a boutique. l thank you very much for the project which has SUPPQrt¢d us during
the hard times of pandemic. Many could have been died if the helpliue was not estsblished".
Youth E¢onoml¢ Empowement Project (YEEP)
Th¢ Youth Economic EmpowernKDt ProgramnK (YEEP) is a partncrship between SURF and AERG
(NalLQlldl Student's Associalion of Geno¢ide Sur¥'ii'ors} and GAERG (National Survivorfs AssLKialion of
Graduate Students) to deliver entrepreneurship, IVOTk readiness and vocational trdining. and access to finance
and learning r¢sourccs. to cmpois'cr wlncrable youth specifically young survivors which dropped out of
school and marginalised second-oeneration surYi%'ors - and enable them to d¢Tr¢lop s¢our¢ livelihoods and
sustainable iDcomes. In so doino this will alleviate their FrfTri'erty and in)prove their well-being and enable
them to b¢tt¢r ind¢p¢ndcntly support th¢msclv¢s and their households.
Page 5

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2022
YEEP launchcd in July 2021. and will nm for an initial three years, made p)sgible tbrough support from
Clifford Chance. The key objectivc is to CmpOw￿ vulncrablc youDg people in Rwanda through a programme
of entr¢prcncurship, work readiness and vocational training. and a¢ttss io financ¢, in so doing to
alleviate their pov¢ny and improve iheir well-being. In so &)ing, the proj¢ct will S￿cIfIcallY address Target
2 of Sustsillable Developmeni Goa] l.. 'By 2030. rcducc at least by h￿f the proportion of all men, women
and children of alt ag¢5 living in poverty," and Targct 4 of Global Goal 3.. "promote mental health and
well-beillg"
We undcrstand that young people have different ambitsons for tbeir professional life. Some wisb to fll
training and capital to start a busin￿5, whilst othets would prefer io find steady eTTylo￿nett( either through a
job or a trode. YEEP seeks to help principally vuln¢rabl¢ and Inargina￿"5cd young people to navigate their
pathway into work - wheth¢r that is enlrepreneurism, etnployment or & V￿atiOn. W¢ cxpcct that at Icast
2,550 young p¢opl¢ will bc cnrollcd in and complete olle of the four training cornponents of the programme:
- Entrepr¢T]eurship training (pathway into self-employm¢nt)
- Work readiness trdining Ipathway into emplo￿nt}
- Internship training programmc (pathway into etnploynknt)
- Vocational trainiug Ipathway into employment or self-eMplo￿t)
In Year I, YEEP h&8 beett itnplementcd in all thc thrcc districts of ihe City of Kigali wher¢ 13.601 young
survivors wcrc identified to be jobless. Ten geowdpbical St¢￿r5 wer¢ identified to be part of the project
implementaiion namely KiTniTOTbkv, BumiM)go, Kiny]nyL Nder4 Gthnga. Masak4 Gthanga, Magcragere,
Kigali, Nyamirambo.
A m¢morandum of understanding was signed between Sur¥'ivors FUNI (SURF) and Goshen Finance to
enable GAERG m¢mbcrs to acccss loaTLS through the YEEP LGF faciliiy. following asscssm¢nt of their
busincss prowsals by loan officers alld project staff. As a resuI(68 projeci participants have been abl¢
to acce&s loau5 to start th¢ir lGA5.
Thirty-on¢ (31) mentoring groups have been crcatcd in 10 sectors of Kigali City. through which the CBD
Assistants conduct training on elltrepreneutship. The smaller groups ¢nable participants to be more involv¢d
and ¢ngag¢d in the training. with the culmination being the development of a busillcs5 plan. The 31 groups
attended regular sessions for entrepT¢ncurship training ovcr o peri¢yJ of 3 months, where different topics
were taught including training from Goshen microfinance on fmancial litcrdcy. business development and
planning.
One hundred youth have joincd locational training to acqllirc different skills across a range of diffcrcnl
tradcs, ￿'￿]ch enables ihetn to compete the local job matket. Atnong the Project tdrticipajits. who attended
vocational training, 80 of theTn ￿aduaTe(L whilst 10 have started small b￿SIneSSeS of thcir own after
¢omplcting tTaining in different are&8 such &s baking and ttiloTin
This project h&5 helped GAERG to maintain th¢ir online ¢ottkmunica(ions, especially its website, by
uploading new content to raisc awarcncss of thc program[r￿. The site is ￿l$It¢d by many pcople who are
interestcd in learning how to access the 5UPWbrt and resources tnadc available ihrough the progrdtt]mc. Work
is currently undcrway to make aN'ailable content from the Com￿DentS of ¢he pro¥ramtne online, and the
InÉernshtp Officer is working hard to pr¢paTe thai for upI(wl tt) the site. Over the course of th¢ pasi year,
20,350 ￿0P1¢ have Trisitcd the website.
Th¢ Itttcrnships Officer, in partnership with GAERG managemenL identified 634 (261 Male and 373
female) youth io be a part of the YEEP internship program. All have enrollcd and attendcd training, in which
thcy discussed different topics including CV wriling. intcrvl¢￿. prcparalion and twhlliqu¢, workplace
b¢haviour and conduct among others.
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SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2022
AmoDg project participants, 61 have currently secured inter￿Ship pla¢eTwIts across diff¢rent companies ajkd
organizdtions, both private seclor and gov¢rnmenL Out of which 9 of them have subsequently secur
pernianent jobs.
Antolnette"
Antoinette is a 29-year-old young survivor of th¢ 1994 gen(Kide against Tlltsi who lives in Kicukiro District.
ADtoinette is a participant in thc eDtrepreneursbip training COllWDent of YEEP. Shc dccidcd io start a small
business from her own savings amounting to RWF 350.(XKI (around £280) from wbicb sbe start¢d a fresh
frnits bubiness in th¢ Nyaru¥cngc District MarkeL
Frotn this business, ADtoin¢ttc says she is now able to cover her basic living necd5 aftcr covuing thc costs of
the business. Beside& she has been able to CODtrTrbu* savings all￿Unting to Rwf 60.000 (around £40) to her
savings a￿1 ¢redit group.
Sh¢ h&$ built up her busin¢ss confidence because of tbe entrepreneurial skills she a¢quir¢d through the
trdining and believes that her business will grow. and in so doing enable her to overcome extreme poverty
and provide support to her family. and others in need.
She is very thankful for ihc support she has received from YEEP through GAERG and SURF, and for being
able to transfom) her life through setting up her own business. In fvtur¢, she is planning to tske a soft loan
frorn our Microfith￿¢¢ partncr, Goshcn Financc. and incrcasc hcr invcstoKnt lo scal¢ up thc business fiwth¢r.
Her business is currently valued at alx)ve R WF 500,(th (around £400).
Empowerillg Vulnerable Genocide ￿ld0￿5 in Karongi and Rutsiro Distric15 to Alleviate Extrejne
Poverty (EVKREP) Project
Survivors Fund (SURF), in partncrship with AVEGA Ag'ahozo, was awardcd a grant of S93,61H for at)
18-month project from July 202110 December 2022 by the Addax & Oryx FoundatiOD.
The Empowerlng Vulnerable Genocide Widows in Katongi and Rutsiro Districts to Alleviate Extreme
Povcrty IEVKRF.P) projccl will CTnEN)wer 400 ivln¢rabl¢ gen￿ld¢ widows •]d 1,200 of theiT dependeThts i
Kan)ngi and Rutsiro District of Rwanda's Weslcrn Province to-.
l. Alleviate their pol'erty by ensuring tbe), have the skil]s. resourLes and confidence to generale in¢ome.
This will achieN'ed by forniing and training Income Gcncrating ACti￿1t1es (IGA) groups to start saving.
develop Niable businesses, and access capital to set up and scale businesses.
2. ReduLe vulnerabilily. build tbe confidence and improve lh¢ wcllbeing by emtx)wering participants to take
great¢r colltr(Il of their lives and io PdrtiClPdt¢ Tnor¢ lully in the proj¢ct Uch￿ille5 through coun5clling
support.
3. Itnprov¢ r(Trod $￿uritY and sustainable enetgy for the most vulnerdble, in parlicular thosc who atc cld¢rly
and affected by HIV. tknrough provision and trdining in subsisience gardeos, solar lamps at]d (lean
¢￿kStoVes.
EVKREP was an extsnsion ol the Empowering Vulnerable Gen(Kide Widows in Karongi District to
Allcviaie Extrctne Povcrty (EVKEP) Project ihat was also funded by thc Addax & Oryx Foundation
(2019-20). It proved that IGA group training, ncw busincss dcvelopment. incentiwsing sai'ings and providing
cess to loans. iogether sustaitthly generates incom¢ ¢N'¢D for vul￿rable gen(Kide widows. EVKREP
extendcd support to new participants in Kar()ngi thai had not been able to benefit from EVKF.P. as ￿.¢11 as
new participants in Rutsiro District.
Pagc 7

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2022
To pro¢eed, SURF worked with AVEGA to develop all JGA m(Mlel using business sch(M)I students as
Coopcrative Business t)cvcloptnent Assistsnts (CBDs} wbo tiain and supw)rt the wrydows to dev¢lop and
strengthen ih¢ir busincss plans, enhan¢¢ access to capitsl iu partnershtp with a microfinance bank parther.
Urwcgo Bank Ltd, and launch their Yentures io b¢ sustainable and pmfitable. This network of CBDS was
supported through a community-bdscd model of 13 teams of paired voluDte¢r5 to cover 26 scctors across
Karongi and Ruisiro to d¢liv¢r supplementary sw)port to widows. The roic olthe volunteers were:
l. Communlty Yolunteers will undertake homc visits to withws. rrfording and r¢poTting on their status,
and providing a&sisÈanc¢ in particular in how to exploit sUbsi5tCr￿ gardcning for small income and good
nutrition.
2. Volunteer Cou￿Se110rS ttained in basic COUTL8elling iechniques who suprK>rt AVEGAs profcssional
counsellor to SUPFK>rt thc mcntal health of widows, which has proven lo be criticaI in secutiDg the ¢ffecliv¢
participation of widows iti IGAS.
The evidencc-based approach to all¢viat¢ povety and strcngthen resilience serves a% th¢ rorc of this projecl.
Ibe volunteer nctwork of slronger widows As a co5t-¢ff¢ciive llMKlel of outreach to deliver peer support and
training to cmpower partiLipanis to develop a livelihood. improve their meDtal health and address their
immediate babir nccds (to ensure their f(K)d and energy s¢¢urity).
The project rearhcd 559 vulnerable genocide survivors atmf 1.21M (489 males and 715 fen￿les) depclldcnts
who were ideniified ar the beginning of the project Among the￿ 120 {22 males and 98 females)
beneficiarics have received loans from Unvego Bank to Start thcir small businesses to generat¢ incomc lo bc
able to bcttcr support their familie5. The total amount of loans thar are euttently b¢iDg borrowed (and will be
repaid, if Lh¢ I￿0/0 repayment rdte is maintained) amounts ￿ Rwf16.295.450 (S15,071)
Project staff continuc to monitor the participants frotn EVKEP, as w¢ll as continuittg to SUPPOrt the new
groups from EVKREP. And as a rcsulL 1,129 ￿Ople benefiied from Éhe SUPPOTt and ihe total amount saved
by ¢redit and savings groups amounLs io Rwf 80,930.150 (S74,850) which is bcing used by project
bcncficiaries io fund thcir small b￿￿1￿¢&$C5, as well as to help those in nced to address any hardship issues.
All thes¢ achicvcments could not happen without th¢ support of Addax & Oryx Foundation.
Collnbclling 5UPPOrt was offered in order io ￿aUre thc trauma amongsl the genocidc survivors. Both group
and individual counKlling thcrapy has bccn conducted and 225 beneficiari¢s have benefited from iodividual
ounsclling, while 380 have participated in group counseLting.
Victorine
Victorinc is 66 yeats old a￿d a g¢nocid¢ widow in tDcmbership of AVEGA. She participated in the EVKREP
entrepren¢uFship training and applied for loans from Unvego Bank to 510rt a business. Also, sh¢ is any)ng thc
projcct beneficiartes who recciv¢d a kii¢hen gardcn.
Page 8

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2022
"Bcforc joining this project, I wa5 amongst the poor women from this collununity. I had nothiDg to do to
gen¢rat¢ income for my family, and life was ￿0t easy at alE. After joining we had a very us¢ful training on
entrepreneurship where we weTe tsught aFM)ut starting business and I came up wilh an id&i of setting up a
small boutiqu¢ as a business. I participated acti￿[Y in a savings group m.hile atiet]ding Ira?ning. I pcrsonally
benefited from joining this project &s I had experienced trauma b￿ause of thc poY¢rty in which I w&s li￿llg,
and because I was always thiDking aErfiut the p￿1. But with thc coun5clliDg supp)rt I felt comfortable enou¥h
to be able to apply for a loan of Rwf 2￿,INKI (S185) which I was award¢d which enabl¢d me io implement
my id¢a. l DOW am gcncrating monthly profit after exp¢ns¢s of betW￿n Rwf 45,(W to Rwf 50,(MKI ($4045).
I bave reLeived 2 Lhickens as well at th¢ oulset olthe projecl and I now have I l ¢hi¢k¢ns. l am able to eal
and 5cII cggs to gct tnoncy to 5UPtK>rt my business by selling surplus c￿S. which has improved my li￿ng
standards. On top of thai I have received some mon¢y to sd up a k]"tch¢n garden, which is very impottsnt to
my family. We u5cd to buy vegetables at the market. but now l am able to grow everything I need at homc.
Victorinc 15 very thankful for the achievenwnts througb the project and believing her life has changed in a
significani way due io the supp)rt she has rK¢ivd during the lifcspan of the project. She will continue to
work hard by adding mor¢ itctns in her trf)ulique.
Young Survivor5 Counselling Project
Thousands of youthful surtriyors of the 1994 geEK￿lde are only now confronting the horror of seeing their
families murdered. They struggle to make ends meeL alone and NTrthicrHble. prone to deprcssion and
hop¢lessncss.
Through support from our partner Network for Africa (N4A) w¢ at¢ workingwith AERG to train ¢ou]Js¢llors
who in trdin local people to become counsellors. The coul￿]10[S themselves survivors who have
¢ndllr¢d trauTna. 80 th¢y ar¢ familiar with th¢ chAll¢nges fa¢¢d by p¢ople with depression and oth¢r m¢ntal
health issues. The counsellors are coordinated by SURF Senior Kcy Workcr, Emilienne Kambibi.
At the beginning of 2022, 273 progrdmme participants were recruited by SURFS counsellors (140 men and
133 womcn}, from thc South¢rn and Eastcrn provinccs. Th¢y fornJ¢d th¢rns¢lvc5 into 12 rKcr counsclling
groups ond s¢l¢¢t¢d 24 Peer Support Counsellors (PSCS) - I man and I WO￿ per wup. The PSCs' role
was to implement and m(Kleratc counsclling scssions. and refer indivtduals to thc counscllors for cxtra
support if ncedcd. They mei as peer support groups every weeks. The PSCS were also the 'eyes and ears,
ol the ￿0Up particlpants. and offered extra support e.g. home visits wbere needed and alerted SURF'S
¢ounsellors to dny i&sues that needed their illie￿ention. The PSCS received 4 days, training in traun
coun8clling and quarterly supervision for support ￿1th difficuli cases.
Amon¥ ihe extra support they offered participants was prepardtion for the genoLide memorial
onuncmorations in April - for l O participants it W￿￿ the firsi time they had felt able io takc part. It is a
difficult tirne for surYivoTs, and 64 participants experienced wfsD, including 2 complicated cases that were
rcf¢rrcd to health cclllres. Ov¢r th¢ Coursc of th¢ year, 114 participallts {35 m¢n, 79 ￿'0￿¢Th) rcc¢iv¢d
individu%LI couns¢lling (842 counselling sessions in iotal)- 298 panicipants (88 men, 210 women) wer¢
visitcd at home and 15 family conflicts wcre resolved as a rc5ult of hom¢ visits.
In addition, the counsellors carried out psychiFeducatlOD covering psycbological wounds and healing, the
importance of commemoraiion. forgiveness. resilicDCC, paticnc¢ and a¢¢cptance. the effect of choice, family
plat￿Ing, drug abuse and planning for the future. In addition to rcc¢iTring SU￿rvIsion every two months,
SURF'S counsellors also received trait)ing ID Ibe CODncction b¢twc¢n connj'ct and mental disorders., drug
abuse and mcntal hcalth., writing and ￿]Ling rcporL%' non-violent communicition- thcrn￿ut1C mcthods,. and
enxitional freedom techniques.
Page 9

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2022
Social ncttvorking bcttvccn participants increased ronfidence and trusi E*tween the group members. and saw
some of thcm carrying out extrd a¢iivilies such as building toilets for gmup m¢mb¢rs and helping with
¢ultivating crops and vegetable gardens. In addition to the Obvio￿ benefits of group counsellins th¢
tArticipants mentioned the benefiLS of slwiug their individual eXFrricn￿ and a reduction in isolation which
gave them hop¢ lor the future. Local governtn¢utllcaders noted positive changes in the parttcipants, for
exampl¢ a reduclioll in drng use and staTting income generdiing activities. This was tthoed by community
Jn¢tnbers who notcd a rcduction in conflict and positiv¢ behaviour change.
N4A are extending th¢ir sUPPOrt in 2023, and 341 new participants hav¢ be¢n enrolled on the prograttune
132 m¢0, 209 women. They are from Rwdma¥ana District in the FAs￿n Province (Mwurire, Gahangeri.
Rubona and Muyaga SectOT5) and from Ruhango District in th¢ Southern Provincc (Ruhango, Byimana,
Bweramana and Ntongwe Sectors).
K.V*
K.V is a 38-year-old marricd man with 3 children. H¢ liv¢s in Ruhango district, ByimaDa sector. He was the
young¢st of 6 children but W&5 th¢ 501¢ surrib'or in his family. He was only 12 years old during the g¢nocid¢
when h¢ saw his entire family killed.
K.V does not show happIr￿SS is bis eyts allymor¢. "My happiness comes only after drinking a lot of alcohol,
I hav¢ seen bad things during genocide, and I am not sure if I will be happy one day like others."
K.V is always conflicting with his n¢ighbours saying that they hate hinL Ile h&$ thought aknut sui¢id¢ nwiy
times and tried to take his life. But the rope snappe(L and he survived. He was very saddened by his sister
who was 15 years old durin¥ gen(Kide. They were hiding together in the bush. The killers took hcr whilc he
was waiching, and 4 men raped her. Flis sistcrfs irnagc alway5 comc into his mind. He is very sad because he
doesnt know wh¢r¢ th¢y killed her, amd he has nevei found her iN)dy ITh ord¢i to giv¢ hcr a dccent burial."
In his daily lif¢. he presents insomni4 irritsbiliry, aggressive behawours l)opeles5ness. lonelines8
avoidancc, nightmares, negative thinkn"ng, suicidal ideation, alcohol addiciioll, ant15ocial b¢haviours like
family confiicts a[￿ relationship problems.
Counsellors have started helping the client through both group and individual thcrapy. And different
relaxation tec])niques ar¢ bcing us¢d in order to activale positive resources. He will keep attending
counselling scssions until the end of this year. 2023.
Youth E￿trePreneursbip Training Progr*mme (YETP)
In March 2022, 49 graduatcs (22 ly0￿￿n and 27 men) of the Network for Africa (N4A) Youih Counselling
Programme were recruited 415 a new Lohort of our YETP made FM)ssiblc by fijnding from N4A and lh¢ Allan
& Ncsta Feiguson Charilablc Trust. Selcciion of participants was based on the individuals, busincss
expericncc and presentatiou of bu5in¢ss id¢a5.
The programme h&5 been d¢signcd io build the confidence in and knowlcdgc of inc4)me-£encrating actii'itics
through training and supp)rt, exposure to small, successful busine￿¢$ and to provide a nM)re rigorous
understanding of all aspects of the business cycle. The trdining look pla¢¢ onue a week over N'o months and
covered topics such as support groll￿, savings. writing business propNls, how to work with financial
institutions, market analysis. customer care, competition and tnatketing.
Page 10

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER2022
After the trnining, the parttcipants. with 5UPP)rt from thc IDCOMC Gcncrating Officer. wrote their b￿SIneSS
pldns in readittess for submission to Goshen Mi¢rofiDanc¢. 43 participattts decidcd to apply for loans, and 6
decided not to, but instead used their new-found training ski115 lo start STnall businesses. 24 participants have
alrcady started small businesses using their savings an<L and 25 are doing 50tnc fam)ing activities, whilst
waitiEhg for a d￿lsiOn regarding the micro l(Trans. If succcssfid. of them may use th¢ loans lo expand
th¢ir existing in¢ome generating activities rather than starting new ones.
N4A provided the loan guardntec fund of £5,000 to Gosbcn Finance, and so far. 14 loans have been
disbursd. Busincss¢s that have so far b¢¢n awardcd loans iThclude those ￿'ork1.ng on sorghum soft drinks.
chicken fannin& frnit farniing: carpenty.. opening a b￿. llK)bile money. pig farming" a boutiqu¢. and selling
crops. N4A arc extending their support into 2023 to ensure that there is effcctivc folluw-up of those project
participants who have received loans, as well as SUp￿rt to th05¢ that Ivill hopefvlly receive loans over the
y¢ar ahea(L
Peter .
Petcr is a marri¢d man with three children. He is the sole sur¥ivoT frorn hi5 farnily of eight children. After
graduating from high schiK>l in 2011. he secured a job as a t¢acher. He Work￿ for ¢ight months, and he
started Saving for his futur¢ busin¢ss¢s. He managed io save only I￿.1￿￿￿ Rwf (arouTKI £75) but wanted to
start bis small busincsscs. H¢ r¢S1￿¢d from his work aDd started up a busincss of selling shoes in diffcrent
markets in his community. His iovesim¢nt was not enough for him to continu¢ hk5 business. Peter joincd
¢ounselling ￿0upS where he attended all the cowis¢11ing sessions. He was chosen among th¢ young
survivors to bcncfit from entreprencurship iraining and the Loan Guarantcc FuThJ through Goshen Finaucc,
and he has received 51)0,(MNJ Rwf (£750) lo continu¢ his business.
"Before joining the group counselling se&%ions. I had iTauma symptOn￿ ￿thICh made it difficujt to operate my
business well. But after att¢nding counselling sessions, Ihings bavc changed in my mind, I t]ow fecl very
positive about th¢ futur¢, which made me start thinking that I ll¢¢d￿ to continue my busincss in ordcr to
fecd my family. 15ecured a loan of 500,(MMI Rwf (£750) to not only susta]Th. but 10 5cal¢ up my business atid
now cvcrything is goiDg well. I started making a profit, and now my monihly profit is beM'een 40 fo 50,000
Rwf (£30-35) after expenses."
Peter is very stable after accessing the loans aDd Sthning his business. He confirnied thai what has
contributed to his suc¢css is his attendance ai counscling scssions befor¢ ac£essing loans. Petcr has started
paying back rh¢ loans and he has a plan tskc out a larger loan after repayiThg his cU￿ent one..
Good Gifts Project
Through funding from the Good Gifts Catalogue, an initiativ¢ of th¢ CharitiC5 Advisory Trust, we havc
xtCDdcd our support to thousands of widows and orphans thai are beneficiaries of our ongoing livelihoods
progran4 enabling them io become I￿re indcp¢nd¢ni and sell-sufficienL
Survivor% Fllnd (SURF) aims to alleviate the impact of ￿vertY on vulrnerable survivors by str¢ngth¢ning
their lamilies to secure Triablc livclihoods. The fimding from G(x)d Gif￿. h¢lps to set up income generating
proj¢cts whirh wipowei communitics to fight povcrty and take more active role in detemiining their lives.

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEKS
FOR THE YEAR ENDED 31 DECEMBER 2022
Many surviv4)rs have been support¢d. rccciving livrst￿L agricultural materials, ￿lar lights and cookers,
mcals for schoolchildreEL and mucb mor¢. The support froTn GIK)d Gifts has playcd a significant role in
enabling u5 to empower vulnerable survivors and thcir dependents. The livelihoods programme has helped
beneficiaries io improve their lives. For exa[￿1¢. those havc r¢c¢ived solat lights and cl¢an cookstOV¢5
are mtiktng savings for their hous¢holds as tbey at¢ no loDger spending on kerosene. as well as saving time
used to coll￿1 firewoo(L For that $llp￿rt they. and we. are E￿allY apprrfiative.
Amongst the gifts we have donated this ytrar arc:
Clean Water for Children
The lack of ace¢sS to clean water is one of the principal causes of ￿)Vety and inequality in many d¢v¢loping
countries duc to the harnthd and fatal itnplicatiODS for health. Bugesern district in the Eastern Province of
Rwanda is one Of the districts that face the challcngc5 of access to clean waicr in villages and schools.
Through the support of Good Gifts, we have provided two water tanks to the Cyugaro Prinwy School to
help stud¢nt5 get water that is treated and used for drinktng as well as for prep#ring 5ch4x)I mcals without
haying the childrcn go to collect water from th¢ borehole which is far from their school. a]Ml likely to hav¢
contaminaicd waicr.
Th¢ H¢adteacher of Cyugarv Primary school com￿￿nted. "We are very knppy ftsr the support of Good Gifts
lo buy and install these water tanks. As you know, UK>St of thc gO￿.crnMCnt schools have a feeding progta
which requircs preparing food for stud¢nts to ¢al at midday. We ￿￿ed to fa¢¢ ¢halleng¢s of getting water and
this has itnpacted the time available for tedLhillg, as well as the health of our studenLs. Childrcn used to go
fetch water, and sometimes they would bring dirty water which might cause diffLYent Problcms including
diseases. But DOW. since we have receii'ed thes¢ wat¢r tal￿$. we are no longer face5 such probl¢tns. Child￿￿
are ¢ating on litne and tearhers prepare their le&sons without pr¢ssur¢'.
Univcrsi
'I'hrough the support of Good Gifts. CariDe Ishim￿,e. who is aged 22, Iws bccn acccpted and enrollcd in a
university UDdergraduate COUTse, Studying Public Health at ihc University of Mount Kenya, Kigali campus.
Public bcalth covers a raogc of fields, everything from fighting outbr¢aks of infectious diseases across th¢
globe to d¢v¢loping and presenting w¢llne&ts programs in local communilies. Helping Carinc to access a
higher education prograrntnc in public health will help her attain h¢r drcam of t*coming a health worker.
Carinc comments-. "Sinc¢ my childhood, I have a5Pited to work in the hcalth sector, but after my high s¢hool,
I could not get the chan¢¢ as I did not have giM)d enough grades to b¢ awardcd a scholarship from the
Government of Rwanda. I thou￿)1 that the opportunity to fulfill n7y dream etmled there. But l thank Survivors
Fund (SURF) for helping m¢ to pursuc my studies in public bealth aDd tak¢ Inc a stcp c105er lo realizing my
dream of b¢roming a heatth worker. l am alnKbSt finish¢d my studies. This is my final year and I b¢lievc aftcT
s¢'hool I will Ee dh1¢ to hclp pcople in communities by helping in epidemic prevention, as well as improving
nutrition, health and wcllknin&"
Public healib a]so prepares prof¢ssioTvals ￿'hO can teach vulnerable communities and th¢ gcncral public how
to better care for thctnselves. It promotes better living habits likc exercis¢ and regular medical ￿Sits.
Mobile Libi
The mobile library brings resources outsidc of thc library's fixed localioD to use[5 who otherwise may ￿t get
a chance to b¢n¢fit frotn thenL li also effectively extends th¢ r¢ach of the library's safe leaming and so¢ial
d¢velopment areas.
Page 12

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2022
Aftcr a successful mobil¢ library pilot, Good Gifts helped Survivots Fund (SURF) compleie another
milestone, where a new mobile library was intr￿￿eed to the Tefugce canws in Rwand& SURF is partsiering
with Impact Hope, a non-profit empowering refugcc youth, by educating thcm into self-suffici¢ncy at safe
boarding s¢h(bols. This mobile ITbrary is scrving the young childr¢n from the refugee camp by promoting
Teading during 5rhool and aft¢r school.
The Director of Impa¢t Hopc cornn￿n￿d. "I thank GIKI for this good and impactful parth¢rthip b¢tw¢en
Survivors Fund {SURF.) and Impact Hop¢ to promote readitig in differ¢nt s¢bTh)Is of the refugee camp. As
you know, the young Children here are not able to access diffcrent books. for Ttading. But this library Mqll
serve answer to problems we have io provide a quality cducation. This library will serye more than 10
schools during both the school Icmi time, and holidays, wb¢r¢ childrcn will bo￿OW book5 for r¢ading aDd
retum th¢tn. It will also improve the culture for rcading and enable youThg ttople lo rnake the most of their
time at both s¢hool and during the holidays".
Foundation Rwanda Programme
Through funding fron) Foundation Rwand4 Survivors Fund (SURF) is Cu￿e￿IlY wjdressing the education
and counselling nccds" of young pcoplc conceived through rdpc during and ￿der cir¢umsfAn¢es dir¢¢tly
rclatcd to the 1994 gcnocide committed against TutsÉ in Rwanda. Th¢ cha]Icngc for thc affccicd mothcrs and
children is that FARG. th¢ govcrnmcnt body that assists wjlnerable survivors of the geno¢id¢, does not
consider these young p¢opl¢ eligible for sUPW)rt bccause they ￿'ere EK)rn after genocide and thus are not by
definition suryivors. Howcvcr. thcy are recogniscd to be a particu]arly Vlllnerable and mar￿￿￿11$¢d
population.
Since Foundation Rwanda's incepiion in 2(K17, Survivors Fund (SURF) has ￿￿en the key partner in providing
life-¢h2nging services to the Foundation Rwanda families, ￿.hICh has helped ￿N}re than 1,700 womcn aDd
their offspring.
UnemploY￿llt is ai a high ralc in Rwanda. &specially among young p&)ple. Technical and Vocational
Lducation and Training (TVETI has been a principal 501utlQD to adthcss youth unemployment because
grad￿41t¢S with a trade are more easily able to start rheir own businesses, create job OPPUFtUTJitics and Subtain
th¢TTrsclves and their families financially. In 2022, 80 new youth wer¢ SuP￿ne￿ to access TVET through
nding for rclcvant courscs and programn￿.
Even though Foundation Rwanda have supp)rted many young people to attemd TVET cour5¢s at)d over 4
of them have gtaduat¢d with adequate knO￿.1cdgt a￿1 skills. many of thosc ￿aduate,8 face unemployrnent
challeng¢ and do llot have the capital to stan (heir own businesses.
To address this challenge, Foundation Rwanda htLS S¢t up i Small Business Innovation Fund programme to
provide capital to youth who want to start small busincsscs. In 2022, 12 youth have been s￿￿50[ed to Start
their own busitte5ses and ihere is d plan to support mot¢ youth in th¢ Dear luiure.
The students who have Erown into inspiring, hopeful young adults now facc the challenge of secuting jobs or
attending univcrsity while ￿appling with the Circums￿nceS of iheir binh and ihe Icgjacy ol- trauma. SURF
remains Lottunitted to continue impletDeDting Foundation Rwanda's progrdms with our local parthcr
organizalions. Solace Ministries, Kanyatwanda, and AVEGA Agabozo.
Page 13

SURVIVORS FUND {SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2022
M.C*
M.C is 28 years old. "I havc had psychological problcms IiDked to how I was bom. l Jnanaged io find out
who w&8 my fathcr when I was a child. Bui I did not have opportuntty to talk io hittL Whcn I grew up, I
wanted to have talk with him, but be refLLsed to give me the opportut]ity. He denied that I was his child,
saying that he had no relationship with my mothcr. This bas made m¢ suff¢r b¢caw ￿0P1¢ v￿d to sqy that I
was as wicked as my father. Later he passed away. I wantcd to talk to him before he die4 but had no
OppOr￿nIty.
My poini was to lell him that be is a heartless father. who could not recognize his child, as everyone knew
that I am his daughter. I have a lasting psycELological wound du¢ to having such a hcartless father like him. I
live with my mothcr and young brothers. However, what is hurting a lot is ihe behaviour of tny brother wh
is a street boy using dru&s. This is increasing the trduma symptoms of my Tnother that she still experienccs as
a result of rape.
The ne8ativ¢ thoughts l always bave had has impact¢d my perfornwice at sch￿1 as well as my health. I feel
V¢ry sick most of ibe time, but thc diagnosis shows thai I am not sick. Though I hay¢ somc 5ymptom4 like
self-isolation, 8Utoimmunc diseases. headaches. sleep deprivation, and r¢pctitive h)yertension.
Belore coming into youth comp. my life was in danger. as I had no hopc for thc future and could noi plan for
tny life. Bui youth camp has supported me lo have sclf-awareness tbrough sharing my bad history and
feelings about my faiher with others for ad￿Ce aDd 5upporL I l¢amt a lot about drng ab￿se from counsellors
and testimonies from my peers. so I might be able Io SUPFrt)rt my brother. Aft¢F thi5. 1 found that my brother
was living With traunla which we could now realise in order to hclp him.
As a result, I havc taken my brother to the l)ealth centre for ¢oun5elling sessions. and now I have stsrted
feeling Lomfortabl¢ because we have peace at home. My brother has stopped using drugs while my mother is
attending counselling sessions as w¢ll. Attending youth camp has hclpcd me (o kttow more about mcntal
health issues affecting famili¢4 which mak&s me waDI lo help my farnily to att¢nd counselling sessions for
their r¢licf too.
Comjnunity Counselling Initlative (CCI)
Through couu5¢11ing for women victinLS of genocide rape, Sulvivors Fuud (SURF) and Foundation Rwanda
have provided counselling in a well-structured peer suppon appn)ach io over 8￿ ￿OtherS through our
Community Counsclling Initiaiive. Of the￿. a further 80 received coums¢lling during 2022.
The proj¢rt includes in-depth moniloring and evaluation, surveying the women before, during and aftcr
working in the counselling groups. Thi5 proiides the ability to track the chang¢s in their circumstanccs and
monitor th¢iT wellnc5s, whilst also providing feedback to ensure that thc counselling gtOUP5 are hal'ing a
p)sitiYe impact and arc help￿1 to the women.
These women, who wcrc previously marginaliscd. siigmalised and alone in their trauma. can build their
confidcncc and self-eStee￿, inor¢as¢ th¢ir knowlcdgc, ctthancc positive en)()tions and reducc shame. The
counsellATh8 groupb also helped to improve re1￿10n$￿ipS with their children and family.
Since 2016. wc have extended the approach of group rounsclling to dci'elop conllnurrity ¢outts¢llillgJ for the
hildren of the wvm¢n survivors too. as youth born olrape face gteat challenges reldted to trauma and S￿la[
stigni¢i as well. They are descr]l￿d as corricrs of "dcviant gcnes" and are ofien marginaliwd in theiT familics
and communiti¢8. In instances occurring during wartime. many societies hav¢ adopted haieful labeb- surh as
"children of shame" oi"childr¢n of bad mcmory".
Page 14

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER2022
Many nKbthers are startlng to speak out against th¢ n¢g8tiv¢ per¢¢ptions and stigma &ssociated with children
of rape and disc105ing to their children the circumstances leading to their birtFL Many moth¢rs attest that
8ft¢r dis¢losurc the cbildrcn now youth. n¢¢d psy¢hologi¢al support.
The youth r¢tr¢ais in 2022 brought together 70 youth to r¢¢eive group Cow￿l1]ng, reproductive hcalth
training and carccr gwdancc. This has providcd vttal support a￿1 assists￿e otheTWiSe unavailabl¢ to thenL
Claire"
"I was 14 years old during the gen(Kide and we were 7 childTen in my family but xll of them in addition to
my parents wcre slaughtcrcd. I was rn[￿ by a numELY of men until I wish I would bc killcd instead I
thought that to survivc was imp)ssibl¢, bui 15urYivcd by rhance. When genocidc w&5 over. I was a homeless
p¢rson like many other survivors.
Then, I was taken io an orphanage that was cstablished by the Catholi¢ nuns. But after threc months the nuns
found out thai I was p￿g[wIt.
To mc, I did not know that I was pr¢Enant. After knowing this, I feli Un&￿Y and J rndde several suicide
atternpts but the nuns always watchcd mc closcly. After Son￿ time, I gai'c birth to a child in th¢ orphanage
and told the Duns that as they preveni¢d me from commiiting suicide. they would also prevent me from
brcastf¢¢ding ihe child of perpetrators. They asked mc for thc child'b name. and I said. Urwibutso Rubi (a
bad memory). Aftcr that thcy k¢pt looking after me and my child. The nutLS ttK>k ¢ar¢ of the child as J wanted
to show everyon¢ thai I had llo baby from PCTP¢trators and fc¢ling thal, to noi know thc fathcr of th¢ baby is
an opportunity for me. A time came and I was ubliged io leave the orpbanage. ￿'hICh mcans I had io take my
baby me. Though I felt I took someone elsc's baby. l ¢ouldnl accept that the baby is mine. My IM)y is
now grown up, and there have bccn a bad relatiQll5hip beN'een him and mysclf, until l joined a counselling
oup for the first tim¢.
After gcnocidc, lif¢ k¢pt being hard. I IivLyJ a miscrdble life with my baby kny. I lost IM)pe and made many
more suicid¢ attempts. What made me cry all th¢ lim¢ is the way that I was not neither a woman, nor singlc,
which makcs me feel that l 8Tn nothing in the society. I was alway5 ill without why, as all my body
was painful.
I gol a chanL¢ to be belected as one of the counselling gtoup members for a periiN] of six months. I fclt that it
WI￿ impossible to help me. bascd on how I was always prone to llKMKI sw'ings. I thought no one would
tolerate to livc with m¢ for 6 ujonths except my child who only did so because he had no other choice. I
¢learly saw that my child ￿'aS to blam¢ for the bad living conditions that I havc ￿¢d.
I thought that I WLS the only one who was rapcd during genocide bcfore we started the couosclliT]g scssions. I
have not met other womcD b¢fore iu my same situaiion and ￿,¢ tslked aknut what happened to us during thc
gcn(Kidc until we started the counselling gruup. The counsellillg sessions have helped mc a lot, to th¢ potnt
that I noiv feel thai I have a placc in society. Other women startcd slw.ing ihcir tC5tiTnoni¢s, and feeling that I
afft not alone, I was glad io have found a family.
Group counsclling has made me a new persou. 1 5tartcd luving my EM)y which could not have happencd
bclore joining counselling scssions. l Tnanaged to tell my FM)y the truth of V4-hat happcncd and now we are
tog￿elher as a family. I lov¢ him. Now I have friends and a n¢w family. WheD I have problem, I have fricnd
Ivith whom I can talk about il Wlthoui crying alone. After 28 years. I feel genocide I￿S ended now, a5 1 have
rinally started a new lifc."
Page 15

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2022
Legil Counselling Helpline
Th¢ Legal and Couns¢llinE Helpline (Helpline) was established ID August 2013 as a partnership between
Survivors Fund (SURF) and AERG io fill th¢ gap in sUPPOrt for young survivors of the genocide against th¢
Tutsi with legal and mental health rhallcng¢& and other related vulll¢rable young Ftrwns, so that they can
access 5UPPOrt regardless of where th¢y ar¢ localed in RM'and& Funding for the Helpline ha5 been
contributed principally by tNSPtRE!africa.
By providing legal alld couns¢lling 5UPPOrt scrvices countywide, the Helpline filled a necessary gap ID
support for vulnerable young people with outstsnding legal disputes or suffcrin¥ froTn trau￿. This i5 one of
the only free and accessible servi¢¢s for thosc unablc lo afford to take their legal cases to ci)urt or lacking thc
confidence or ability to find someone io talk to about a tn¢ntal hcalth issue. ]n addition to providing
telephone-based support, th¢ h¢lplin¢ also has field stsff who conduct outreach and provide supp)rt lo
clients through le¥al educatlOD and orientstion. adV￿¢Y and repr(xnUion in court.
The Flelplin¢ was launched with the Atitention of prunarily providing tC1¢phon¢-b&s￿ 5UPPQrt. How¢v¢r, du¢
to th¢ dctnand for legal and a ¢ouns¢lling SUPPOTL th¢ helplit]e has grown from a small pilol lelephone-based
service to an it￿0vatiVe, all*ncompassing legal and counselllng support servi¢e. whi¢h includcs outrca¢h
isits lo schools and universiti¢s to rai5c awaren￿ of Icgal rights, as well as thc scrviccs available Ihrough
the helplin¢, to young people across Rwanda. Since its laun¢b in 2013. the serni¢e Iw supported over 2.845
young people to reclaiTll a5SCts with a valuc of ov¢r Rwf 970.110.320 (around £7tK),000).
Shootlng Touch
Shooting Touch, in collaboration with Survivors Fund (SURF) and Uyisenga n'manzi, is using the power of
sport Ibaskctball} to impn)ve Rwaod2n individuab, knowledge and management of Ttkenthl health illnesses,
while striving to rcduce the existing stI￿aS. on an individual, family, and community level, around the
understanding and treatment of such illnesses.
bwided by Comic Relief, the thr¢¢-year pwjecL which launched in 2021. is delivering the following..
l. Women. boy& and girls suffering from mentsl illness(es) rq)ort a gr￿er awareness of their mental heglth
status_
2. Iller¢as￿ acce&s to and utilization of mental health s¢tvices for ai-risk (defined a5 an individual with a
m¢ntsl health concern) women, boys, and girls.
3. Incrcascd knowlcdge surrounding mental health illnesses. coping Strategies, aEKI availabl¢ 5crviccs for
staff, participauts, faujilics, ¢otntnunity Membe￿ and healih workers.
4. De¢re#b¢d social stiwas surrounding mental health illnesses and treattnent amongsi paTti¢ipants, fatnilics,
nd fcllow community rncmbcrs.
5. Incrcascd sense of self-worth, arc¢ptance. and knoWI￿ge to live IKalthi¢r and happier lives amongst
at-risk participants.
The project focuscs on Kay0[￿ DI￿rict in thc Eastern Province of Rwanda. The parthetship strdt¢gically
Cotnbines sw)Ns-based approaches ivith quAlity mentAI hcalth suppott. li provides menlal health education,
physical activity, and expanded acce&s to counselling services. The app(Traeh is to move into a new village
caeh year, whil¢ also sustaining cxisting participanis. cnabliDg us to scn'e as many as 520 at-risk Rwandan
women and youth in each villabFe. engage over htrdlthcare profexsiolla15 with up to 4 coaches. and
educate approximalely 4.0￿ communit), members.
Pagc 16

SiIRVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DEcEI￿BER 2022
Reaching Rivanda
Sandhurst SclMN)I has b¢¢n running its ground-breaking Rea¢hing Rwajhda pmject in partllership with
Survivors Fw)d (SURF) since 2008. Pioneered by the Sandhurst School D¢puty Head SaTTHntha Hunt, who is
also Chair of SURF, lh¢ Reaching Rwanda projfxi has worked extensively in Rwanda by linking UK School
students with survivors.
Th¢ projcct has three ￿￿1n aims:
To inforn) studenis about the Genocide againsi the Tutsi ID RwaTh]a and of thc continued plight of
survivors today.
- To connect students with gcnocide survivors and ¢Dable them to become friends.
- To enable students to become actively Tnvolved in improving the life chances of genocide suNivors and to
see the difference their efforts Ttth.
The young people of SJndhurst School are higbly engaged in SUPEX)rting survivoTS of the 1994 Rwandan
gen￿lde thanks to the efforts of Samantha and its dedicated teachers.
Sandhurst School Sixih Fom stud¢nts and local community volunieers have n]ade eight visits to Rwat
through the projecL An enduring relation5bip for survivors and the s¢hool 18 now in plocc with rcgular skypc
a115 bctwccn the students and th¢ survivors. Students havc so movd thrOll￿ ihcir expcricllcc and havc
supported the project rnising approacbing £300,IXK) for 8eDorid¢ orphan&
Devoted to impioNing education and livelihiM)ds across Rwanda thc woj¢¢t has in particular supported
iarama Survivors Village. in Buge5er4 East¢rn Province.
After two years of planning. finally the long-awaited seventh Reaching Rwanda visit arriv¢d in Kigali in July
2022. SURF Chair. Sam Huni MBE, who develop¢d th¢ ¢ducational wogrdmmc and lcd the first visit in
2010 in her professional rol¢ as D¢puty Ilcadteacher of Satkdburst sch￿], acrompanid by 23 students
and t¢a¢h¢rs frum the school. as well as members of the Ii)cal cortununiiy who have long-supp)rt¢d SURF
and the Reaching Rwanda projcct.
Each person brought with them gifts donated by other swdenLS and well-wi51Kr& including toys. educational
materials, and toiletries which were distributed io hundrcds of children that the project supports. As wcll, thc
group visited Philly'% Place. a uniquc childrcn's ccntre which has madc possiblc through the funding
and 5UPPOrt of donors to Reachillg RwaDda. PhIlI￿S Placc offers free tuition in Kinyanfywida, English, tnath5
and s¢i¢nce, &% well as weekly pr0grdMn￿S in ao dAnLt, music, SI￿. drama and clothes tailoring io
approximately 600 local children of all ag¢s. Thc ccntre is over run every w¢ek aod is kcoTning an
itnportant community hub.
The buccess of the visiL can be summed up by the iestimoniol of onc of the tthrticipants, Alfie:
"Rwanda was one of the most unfathomably ph¢nomcnal cxpcricnce5 1 have had in my lif¢. The thiDg5 W¢
witnessed, the ihings iv¢ di(L and the people we meL M'ere so incredible Ihilt I can't usc words to adequately
dcscribe it. It didn't hit m¢, until soon aftci we arrivcd back. that ￿'e had changed so tnany indiwdual livcs,
and affectcd 50 many pcople to the extent that H'e did. I call def￿ltelY say. withoui hesitaiion, we made an
imporiant difference to these peopl¢. and ihosc p¢ople hai'e made an enonnous diff¢r¢nce to us."
Page 17

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2022
Education
Education is a fUl￿a￿ental right tlkat enables people to bT¢ak the cycle of dwrivation aTMI poverty. Survivors
Fund {SURF) supports access to university education to 15 students, and funding for school materials for
further 45 students, b¢ing broughi up by genocide Wido￿.5 ihrougb fi￿ding by fNspiRElafrica and th¢
Reaching Rwanda proje¢t. In addition, through funding principally from Foundation Rwanda we ar¢
providing l 80 young ￿0P]C with access to Technical and Vo¢ational Educauon and Training (TVET). This
r¢licves the burden of widows, who struggle to bring up and provide financia] support to th¢ young people in
their care. Also, many young heads-of-households have drop&￿d oui of scbool to look after their younger
siblings and we give them a chanc¢ to att¢nd school.
Many studcnts have no school or untvmity rnafrriaIs. m051 of them hav¢ io walk long dislanccs to atknd
their pLaces of study, som¢times hungry b¢cause they cannot afford rent near unii'ersity and meals. It is
iTnportallt to provide allowances for ttansport and Tncals foi such Sthde￿ts. Education remains the most
important route out of poverty. Foundation Rwanda is providing support for accommodation and mcals lo 10
stu(knts in need.
Shelter
A home is a safe place to be for nK>St p¢opl¢. Many survivors lost thcir hom¢s during thc gcnocidc, many
rec¢iv¢d houses from govenunent and NGOS after the bFenocide. 28 yearb after the genocide. many of the
houses are now dilapidated and in dire need of renovation.
In order to r¢build a scr￿ of dignity and to provtde a pcaccful environment tbat enables survivors to deal
wilh their day-to-day needb., during the year Survivors Fund (SURF) r¢novated 2 houses for widows and
youth-head¢d houscholds with Sup[￿ from INSPJRE!africa and Foundation Rwanda.
Christinc, a forty-nine-year-old survivor and a Foundation Rwanda nKJther of four has. seen some of the
darkest days imaginable atKI was in desperllte need of help. She w&% Iwenty-tw(Tr yeAirs uld durin¥ the
genocidc and was ra[￿d rcpcatcdly by counilcss mcn resulting in a broken back leaving her in chronic pain.
Shc has carried on bravely in th¢ fac¢ of a failcd 5paDal surg¢ry r¢sultillg in ￿latiC n¢rv¢ damag¢. Kvcrc pain
and paralysis for a year. Christine has been unable to work and has stNggled in the darkness of tothl poverty.
At one p)int. the only safe accom￿0datltsn 5hc could find for h¢r faTnily was in a ncighbour's Outho￿$¢
where shc fillcd the toilet hole w'ith dÈrt alld covered tbe latrine so she could lay a sn]all mattress for her and
four C￿'Id[en to sleep at night. As a fatnily of fiv¢. they slept in th¢ outhous¢ for a ycar until it collaps¢d
during the rainy season (while they were in it) and they became bomele&s.
Christine's dream in life was to have a safe place to call home for her childten. "I ha￿e be¢n rUt￿l￿g from
house to house with this broken spine and my children for 27 years. M), health situation is in great danger.
But l am afraid to die because l am worti¢d my children would go on the Stsrct if J dic."
With great thanks to many g¢nerous supporters of Fowidaiion Rwanda, ov¢r S20:(MK) was raised through a
GoFulldMc campaign enabling Christine's dream of having a safe place io call home to come trne! Christine
commented:
"l am uvcrwhelmed by the support and love people have slK)wn me. I don't have words to express how
grate￿1 l am. I felt grateful since ihe day you told me aknui this campaign. Th¢ thought its¢lf, mad¢ me
realiz¢ thal pwple think and care aErf)ut me. I felt wonhy ever since. Thank you so much!"
Page 18

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2022
Group Analysis Training
Over the course of 2022. a group of professional counscllors ID Rwanda had th¢ opportUDity to participate in
a special iDt¢rnational course deliver¢d by the InsiitUEe of Group Analysis (IGA). Convened by Ann¢
Morgan. with the support Of JustlD Phipps and MJ Maher. all of whom arc eKpcricnccd Group Analysts. the
LOUTbe hds dcv¢lopcd ihc skills and capa¢ity of thc local counsellors to use group analysis in their mental
hcalth interventions.
The participants ar¢ all m¢nto1 health professionals from 9 diff¢rcnl organisations including ARCT-Ruhuk4
s￿l0th¢rapY and SURFS local partner Organisatio￿ AVEGA Agahozo. Thc training wlll hclp the
participants to use groups to h¢lp people with ￿￿￿tal h¢alih and emotional ¢on¢¢ms ￿rO$S different parts of
the ¢ountry wh¢r¢ these organisations are op¢raiing- Participants are now ablc to:
- R¢cognise thc cffcct of group dynamics upon self and othcrs
Have increased Self-aW￿￿¢S5 alld self-reflexiyity
- Understalld gruup dynamics from a Group Analyti¢ ￿rSp¢¢tlve
- Recognise how group dynamics rclatc to the context of the setting
- Recognis¢ ond usc thcorciical language and concepts 5p¢cific to Group Analysis
- Understand th¢ m¢aningF of fundamental Gn)up ADal)tic temi
- UDdcrstand psychoanalytic theory in Telation to group development
- Understand how context irnpacis upon group dynamics in clinical alld ￿a￿lSaIlo￿al settings
- Link Group Analytic theory wilh practice
Group Analysis is a power￿] therapeuiic n￿dIUM that focuses on thc relationship bctwcen the individual
and the group, ¢mphasising the essentially social J)ature of the hutnau ex￿ri￿¢¢. A5 a m¢thod of trcatrncnt,
group analysis offers an approach that reLogmizes how emotional, behaviourdl and psychological phenomena
cmcrgc in th¢ context of our social groups. Carefully constkLut¢d 8nal)ti¢ groups haN¢ a lotkg r¢cord of
hclping people with personal problcms and in prornoling Personal dei'elopmenc.
The need for psychological support in Rwando is great as a result of the genocide and yet there is a limited
number of qualified and experienced psychologrists. This trdining has ¢nablcd thc counscllors to acquirc
skills that will itnprove their meDial hcalth support servicas to the p￿pIe of Rwand4 and in parti¢ular
survivors of the gellocide.
I'his is one of a number of courscs that the IGA ha5 d¢livcrcd in Rwanda since our partnership began in
Noi'¢mb¢i 2014 aftcr it was identified thal psychologists and professionals working in ment31 he¢ilth would
benefit Irom iraining in thcrapcutic grows. To datc. 30 participants have complcicd ihe ICsA Foundation
Coursc. of which 10 haye subsequenily completed the Interniediate Course.
Page 19

SURVIVORS FUND {SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2022
STRATEGIC REPORT
Financlal review
Summary
D¢spite the conttnuing challenges of fimdraising, 2022 proved anoihcr positive ycarfinancially for Sulvivors
Fund (SURF), as we leverngcd our grassr(M)ts t]eiwork of local parlDcfs to demonstrdt¢ that we can deliver
projects which res￿nd to the neeiLs of the ￿05t Trithicrablc, even in difficult lirn¢s.
Income
Our inconr ID 2022 was £730.911 (2021: £740.134). Thc njajor 50UTCC5 of illcome w¢r¢".
£37,859 from the Addax & Oryx Foundaiion for the Empowering Vulnerable Genocide Widows in
Karongi and Rutsiro Districts to AlleTrikte Extreme Povcrty (EVKREP) Projcct.
- £70,807 from the Charities Advisory Trnsl, through its GIK>d Gifts Catslogue, which has proved ¢riticd in
providing livelih(x)d projeLts and scholaTShips in Rwand&
£153,360 from Clifford Chance for our Counselling Extension Resrminse Project (CERP IJ) and Youth
Economic Empow¢rnKDt Proj¢ct (YEEP). which SUPFrf)rted phone-based counselling for Nvlnerable
survivors across RwaThJa. as well &s employment and enirepreneurial opp)rtunities for young survivors.
£110.911 frotn Foundation R￿'allda for our cducation progrdmme supporting young people born of
genocidc rapc. as well as community counselling and youth camps.
£30,634 from INSPIRElafrica for our Youth Entrcpreneurship Training Programme. Legal and
Ci)unselling Helpline as well as various educational and shelter projects for survivors.
£37,426 from Nctwork for Africa for our Young Survivors Counsclling Progran]me &5 weil as a ncw
cohort for our Youth Entrepreneurship Training Prowdmme (YETP).
- £20,290 from thc Allan & Nesta Ferguson Cbaritable Trusl to C￿ru￿1 with Network for Africa the new
cohurt for our Youth Entrepreneurship Training Programme {YETP).
£30,041 from Shooting Touch through fimding from Comic Rclicf to support the mctital health through
sports project itl Kayonze District.
Expenditllre
Wc maintained our expenditu￿ on k¢y projccts proportionate to th¢ i￿0￿¢ rKcivcd for thcllL a5 w¢ll as
controlled ()ur expenditure on our core costs to £80:081. Tbis ID part was due to coniinuing strong exchange
rate gains which we acuu¢d over thc ycar.
Fundraising Effectiveness
Wr do not have any fundrai.ging sperf os wc undertake no marketin& paid-for advertising or dirc¢t ttthil.
This is quitc cxccptional for a charity that generates over £500,000 ik income. Though we do ieceive a
Google GiaDI, which provid¢5 US with free adv¢rtising on Googl¢ with an cquiN'alent monetary value of
£2,611 in 2022.
Financial For¢¢ast
Tbe year ahead is promisillg to be even better than last year for SURF. We begin the year with a very
I0￿.-cO51 bas¢, and good rcscrves. We will continue to reccivc funding from major donors over the year
ahead.. Charities Advisory Trust, Clifford Chance, Foundation Rwanda, INSPIIiLlafvica, Network for Africa
and Shooling Touch.
Future Income
We hdd 5¢¢ured approximately £380.000 of income at the start of the year. includiDg £225,000 fmm Clifford
Chance, £50,000 frotn Foundation Rwanda, £30,IKKI frotn FNSPtRElafn"cL £30.000 from Network for
Afri¢a, £15.0￿ from Shooiing"I'ouch. and £30,0￿ from an anonymous In￿1.
Page 20

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2022
STRATEGIC REPORT
New gTant proposals are In develop￿￿nI with several trusts for n¢w projects. and wc continue to seek to
identify indepcndently additional funding opportunities with tnjsts atld foundatioD5 in the UK, and in thc
USA in partnership wilh Foundation Rwand& Continued emphasis will k placed on supporting our partD¢r
orgTanisJtiOll5 to develop and secure fi￿dIng for projects directly. which will result in less income being
channelled through SURF ov¢r titnc.
Future Expendlture
We are committed to keeping our ¢OSLs as low as possible in and outside of Rwdnda in 2023. SURF now
only rctains a part-timc consultant in the UK with no oNerheth. W¢ haye no plans to recrnit any more staff
in the UK, and the number of SLqff in Rwanda will be directly rela￿d to project fvnding.
Following a salary review of staff in Rwanda. we awardcd an incrc&se of 50/0 for staff. just aTr*)v¢ the Icv¢l of
infiatÉon in Rwanda, in January and June 2022.
We plan to Continue to tnaintain the level of grdnt eX￿)ditUre in 2023 LS our income allows, ensuring that
wc ty to rnaintain a small surplus d¢spit¢ th¢ challcnging fiEwicial environrrKnl.
Reserves pollcy
Thc policy agrccd by the trnstccs is that the minimum arnount to ￿ held as res¢rY¢ 15 now set at 5 month's
op¢raling ¢xp¢nditur¢. By ihe end of 2022. our reserves amounted to £173.520, of which £99,694 was
designated as free reserves (equivaleni io eighi Tnonth's opeTatin¥ cxpcnditure).
Page 21

SURVtVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2022
STRATEGIC REPORT
FUTURE PLANS
Ev¢ry three years. the pat￿er￿, bwtees and stsff of Survivors Fund (SURF) undertake a reiqew of our work
to date, and d¢vclop a stratcgic plan for our work abead. We discuss what ar¢ thc priorities for survivors now
and likcly in the tbree-year ￿ri(KI and what resources we have as an organisation to help address
Our Strategic Plan accounts lor the en￿rgIng cbanges affecting survivors of th¢ g¢D(Kide against the Tutsi ill
Rwanda, and the changing environm¢ni in which SURF works. We developed a new three-year Strategi
Plan at the end vf 2020 whicb sets out the aims. targets and actions for SURF and its parthers wotk from
2021 to 2023. and which forni the basis for opcrational prioritics. It explains IM)w SURF intends to assist
partncrs to achieve th¢ir own plans and prioritie&
It sets out a demanding but exciting agenda of support to our partners. It will deliver greater impaci for those
we aT¢ seeking to help. By balancing our progratll￿. advocacy work and Capacily building with our
fundraising, ￿OnitOring and ¢valuation we will increase oui reach and build greater support for our work.
The Strategic Plan will be Continuously I￿)￿1t0T￿ to infortn the futurc direction and dcvclopment of
Survivors Fund (SURF).
Our key th¢m¢s and targets for 2021- 2023 are..
Direet support ¢0 rebuild lives.
- Sust41inable liveliho(Kls for sutvivors and related ￿NInerable persons ibrouO1 a focus on incom¢ g¢nerating
a¢iiviti¢s. entrepreneurship and employtt*nt.
Improve thc ￿.¢11-bc1ng of surviN'ors and related vulnerdble ￿0UpS thmugb a fo¢￿$ on mental health
provision, memoriatisatioll and physical health cducalion.
- Redu¢¢ the vulnerability of survivoTS and related vulnerable persons through a focw on decent hO￿81ng,
food sccurity and elderly ¢ar¢.
Advo¢ac)' and Capacity Building to sustain support.
- Improve the enfoF¢¢mcnl of rights and legal represenlation of 5ufvivoT5 and related vulnerable pcrsons in
Rwanda.
- Enable sustainability of survivor organisation5 in Rwanda over the long tern].
Wc look forward to reporting on our progress ahcad.
STRUCTURE, GOVERNANCE AND MAYAGEMENT
Governing document
Thc charity IS CODtiollcd by its goi'erning document. a deed of tru￿, and constitutes a limited company,
limitcd by guarantee. as defined by the CoTnpanies Act 2￿6.
Page 22

SURVIVORS FUND {SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2022
STRUCI'URL GOVERNANCE AND MANAGEMENT
HOW SURF IS RUN
Surbivvrs Fund (silliF) is a charitable company. regisiered in Engla￿j Wales with Ix)th the Charity
Commission (1065705) and Companies House (04311565).
This structure, which is Used by many cbarities allows ws to have all the advdntages of chaTitable status, and
SiTnultan¢ously to limit th¢ trustees, liability through the companys 'limit¢d' siaMs. As a charity and a
company limited by guaraniee, Suryivors Fulld (SURF) ha% share capital and thcrcfor¢ cannot be 0￿￿ed
by anyone.
The charity Is govcrned by its Mcmoranthim and Articlcs of Association, dated 30 July 1997. SURF is
headed by a Board of Trustees. For company-law purposes, tbe trnslees arc also thc directors of Survivors
Fund (SURF) Ltd.
Day-to4ay tnaDagement of the organi5ation 15 undertakeD by th¢ Chief Executive in Rwanda.
THL BOARD OF TRUSTEES
The Board of TLWStees has authority over and restK)nsibility for the organisation and acts as its legal
guarantors. Thc cff¢ctive in¥olv¢mcnt of the Bvdrd of Trustres 18 con.4idered crucial to the success of SURF
and ts dq)endcnt on shared goals. Ihe developmeni of Sound and creatii'c ￿.0[killg pra¢ti¢¢s and significant
time cotDmttments.
Thc Board tnccis at lcast four tim¢s a year, io assess the charity's progre&s since the previous meeting, and t
s¢t tnilestones to be achieved by the next meeting. The Chief Lxcculivc attcnds cach Board mecting either in
person. or vinually from R￿alld4 and prvvidcs an updat¢ to th¢ Trust¢￿ on the charily's pmgress and assisls
in the betting of goal.%. Tnstees also provide valuable assistance to the Chief Executive aTKI other metnbers
of staff when necessary.
TRUSTEE LLECTIOIN, INDUCTION AN'D RE-ELECTIONS
Trustccs ar¢ clcctd at th¢ Annual General Meeting IAGM) by the members of Survivors Fund (SURF). The
members include all the trustees. In betw'een AGMS, T￿￿teeS tnay be appoiuted iem]M>rarily by the general
agreell￿nt of the existing tnLStccs. How¢vcr, such app)inthients are only valid until the next AGM.
Afier appointment, TNstees are prcsented with a copy of our nTr051 recent annual re]x)rt" the charity's
gov¢ming documents, and the minutes of the No most recent Board meetings. They are also abk¢d to study
the principlcs of thc Charity Commission's Esscntial TnLsiee booklet and are invited io speak with the Chief
Ex¢cutiv¢ aud Chair to disCUS5 the Lharity's position and operation.
At cvcry AGM, one-third of the Board of Trusiees is requircd io rcsign.. Ihough thcy can thcn bc rc-clccted
for a further three-year terni. There are no icrni limits, with the organisation re£ognssing the value of
illstilutional kno￿.]￿ge hcld by long-servill¥ tnL¥'tees.
CURRENf TRUSTEES
Ten tn￿te￿ selved the entire year. They are:
Page 23

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2022
STRucfuRE, COVERNANCE AND MANAGEMENT
Sam Hunt MBE (Chair) - Sam is D￿llty Headteacher ai Sandhurst Sch(N)l. She is a winner of the Secondary
Sch￿] Teachcr of the Ycar award, the Anne Frank Award for Inspirdiional Educator of the Year and has
bcen re£ognised as a Sue Ryder 'Woman of Achievement", the"Prid¢ ofBracknell" and an honorary fellow
of the University of Wincbester. Sbe is a voluntc¢r cducator for the Hol￿aust Educatio[￿] Trust an
academic advisor for Remembering Sr¢br¢ni¢a. She has bcen a tN8tee sincc 2(Kl8, elected as Chair in 2013,
and was awarded pn MBE in 2020 in recognition of her voluntary work with SURF.
Josephine Uwafftariya (Vice-cbair) - Josepbine setved as Country Dire¢tor of ActionAid International
Rwanda from 2010, bcfore retiring in 2022. She is a S￿la] workcr by profcssion and has an MBA from the
Maastricht Sch{￿1 of MaDag¢menL specialising in Project Man2getneDL
Da￿d Chaney (Vic¢-Chair) - Da￿d oNms and nms a full-setvice public accounting prdctice, representing
over 200 elients including a number of chariti¢s. H¢ r¢gularly visits Ru'anda aDd has workcd to str¢ngthen
the financial ￿ana8¢m¢nI of SURF partners. He lives in Housto￿ T¢xas.
Adrian Veale (Tr¢&8urer)- Adrian is an accountant and has worked in the field for over 30 years. Fle also has
expcrienee as an auditor of charitable organisation5. He hLs support¢d the work of Survivo[5 Fund (SURF)
sin¢¢ 2011 through volunteering with Project Umubano.
Alphonsine KabaEabo- Alphonsinc was a trustee for SURF from 21XII to 2W6 and returned to the board in
2013. Sh¢ is a survivor of the genocide. She is Diiector of Wotnen for R¢fugc¢ WotTren and was forn]erly
Regional Director for Africa World knociation of Gtrl Guides and Girl Scouts.
Liliane Umubycyi - Liliane has been a trustee of SURF sAnce 21K>4. She is a surnivor of th¢ g¢no¢ide and
mov¢d to the UK in 2000. For her work ￿'1Ib SURF, Liliane won the Uiti]natr Woll￿￿ of the Year Award for
Best Campaigncr from CosmotK)litan Mk agazine in 2(K17. She rctircd as Co-chairat the 2012 AGM, aft¢r five
yeArs in post.
Jeanette Kagabo - Jeanette ha8 been a trustee Since 2004. She is o survivor of the genocide and moved to the
UK in 2002. She is an advocate for the eausc of suThivors, speaking at an array of national and rcgional
eyents since 2003.
Will Goimlhand - Will is Chief Jnnovation Officer and Founder at GoiMJMore Global. an international
research agcncy. He M'as a Conservative Party Parliam¢ntary Candidat¢ in 2015 and bas supportcd the work
of Survivots Futtd (SURS) sincc 2(K)9 ihrough numerous visits with Project Umubano.
Samantha Lakin - Samantha is an advanced PhD student at Thc Strdssler Center for Ilolocaust and Genocide
Studics, Clark Univetsity and a Grdduat¢ R¢scarch F¢llow at HaThwd Law School. She was fonnerly a
Fulbright Scholar in RwaDd& Her research focuses on buman securily in pist-conflict societies,
m¢morialization prn¢ti¢¢s initiated by stalcs and SUTYivof5.
Philomene Uwamaliya - PhiloJn¢uc ba5 been a regis*red nuT5C since 21M)6 and specialises in mental health
nursing for those with complex problems, re￿geeS and asylum seekers. Shc is a Scnior Lccturer in Mclltal
Hcalth Nursing at John Moor¢s Univcr5ity in Liverpool.
VOLUYTEFRS AIYD KEY SUPPORTERS
Our work is helped by the contribution of many indivtdual volunteers, who make up thc SURF Projc¢ts
Team. Their work is i'ital in cxtending ihe reach of SURF.
Page 24

SURVtVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2022
STRUCTURE, GOVERNANCE AND MANAGEMENT
We would like to record special mention of SURF Chair, Sam Hunt MBE. who works tir¢lessly to help
SURF taise funds through the Reaching Rwanda project which she cstablished to rdise funds thruugh
schools and communiry groups. As well Is Dr Noam SchimmeL who WO￿ tirelcssly to advo¢ate for the
ause of Survivors, in particulat through hi5 acad¢mic r￿¢￿￿h, publications and teaching.
W¢ also want to thank Joy Childs for hcr unstinling support of Survivors F￿￿1 (SURF) and the fuDdin¥ that
she has raiscd through tcaching art and organising fundraising events among her network, and Kathy
Shanklin and Rebecca Tinsley wbo support many stud¢nts and vllln¢rable suThivors in Rwanda.
PARTf*ERS
SURF is forttll)ate to have a number of partners that Sup1￿ our work and make it tKbssibl¢ b)th in the UK
and Rwanda.
Our work is supported by on array of fundcrs whose support is invaluable. kn 2022 our fimders included the
Addax & Oryx Foundation. Allan & Nesta Ferguson Charitable Tn￿1, Charities AdNi50ry TrusL Clifford
Chance, Foundation Rwanda. INSPIRElafrica. Nctwork for Africa and Shooting Touch. We would like also
to thank an aTrny of aaonymous donors.
SURE." has rcccivcd guidanc¢ and advic¢ frotll individuals and organisations trx) numerous to mcntioN but wc
would like to acknowledge the contribution of ihctn all.
SURF h&s worked with the following swyivors, organisations in Rwanda during 2021..
AVEGA A ahozo - AS￿latIon of Widows of the Genocide | AERG - Sun.Ll'ors' Ass(Kiation of Stu(knts
Istn
dnd Pupilq | GAERG - Survivors, Associaiion of Graduate S￿dents | Nknanzi - Asso¢iaiion of
HIV+ Orphan-hcaded Flouscholds | Solace Ministri¢s
Christian Asso¢iation of Genocide SunTivors |
anda- thnocide SuThiYors Association dcfeDding hwnan rights
Page 25

SURVIVORS FUND {SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 3] DECEMBER 2022
STRucfuRE, GOVERNANCE AND MANAGEMENT
STAFF
The CEO of Survivors Fund (SURF), Samu¢l MUndere￿. is the prirnary point of contact belwccn the
truslccs of SURF, and th¢ SURF team in Rwand4 as well Ls with thc partner organisations and donors. Sam
dirccts and coordinates all artiYiti¢s of SURF supported by David Russell, who serves as the UK
Coordinator and Company Secretary. SaTn is sUP￿rted in Rwanda by o core team which includes Emilienne
Kambibi. Raban Havugimana, Liliane Pari Umuhoza and Vinccni Nyauma all of whom play vital rolcs in
cnsuring our work progr￿ses as wcll as it has done to date.
Samuel Munderere, CEO - Sam has w(Kked with SURF since 21XM. and b&s experience in managing
counsclling and educarion projects, helping to set up our FoUnd￿lOn Rwanda proj¢ct in 2008. Sam holds a
MA in Intemational Developm¢nt Manag¢men¢ from the University of Westminsicr and a BA degree in
So¢ial Worker and Social Administratioll from Bllgema University-
Emilienne Kambibi, Scnior Key Worker - Emilienne is a traind coun5elloi and social worker and has led
our Community Couns¢lling Initiativ¢ to 5UPPOrt women survivors with children born of rape since 2011.
She has a PGCert in counselling from the G)Il¢ge of M￿lc1n¢ and Hcalth Sci¢necs and a BA in Sociology.
Before joining SURF, sh¢ work¢d with AVEGA Agahozo and African Rights.
Raban Havugiman& Progratrune Manager - Raban joined SURF in 2012 and helped to set up our
entreprcncurship projects with AERG, where he w&s fomierly 8 memb¢r, and helps to lead on th¢ rnonitoring
and evaluation of our liveliho￿ d¢v¢lopmcnt Pro￿amMLs. Hc has an MA in Dei'clopment Studies from
Mount Kenya Unii'ersity.
Vincent Nyaum4 Accountant - Vincent joiu¢d SURF. in 21KI9 to tnanagc our accounts and supervises the
audit of the financial r¢porting of partne¢s progrdmmes funded throuth SURF. He ig a Certified Public
Accounlant in Rwanda and Kenya. He holds degr¢es frovn UNISK Strathmore and Moi Universities.
Dr Jemma Flogw(rf Clinical Psyrhologisi Advisor - J¢mma ha5 a Lkniordtc in Clinical Psychology from
Unl￿'e[SitY Coll¢g¢ London and is regtsiered to practice as a Clinical P5yLholo¥ist in the UK and Rwandd.
She has been ￿'￿TkIT)¥ With SURF sincc 2010, hclping to Sct up many of our counselling projects. and
conlinucs to provide SU￿rvIsion to counsellors on a consultancy basis.
The office team ill Rwanda is supported by the following sthftT:
- Claudine Muknkalisa. Office Assistant
- Gilbert l)usabimana, Securiiy Guard
In the UK, our office is managed by:
David Russell. UK Coordinator - David bas been working with SURF since 2004, first as a consultant, and
thcn seryes the CEO from 2009 to 2013. Fle continucs to hclp managc the finances and as Company
Secrctsry also thc governance ol the Organisatio￿ supporting the ieam in R￿7nd3 on communicalions and
progrdmme d¢v¢loptnent_ He has an MA Irom New York Unii'ersity and Cambridge University.
Our team is 5UPPOrted internationally by Liam Dempscy of Ibdcsign (online) a￿1 Drew Sutton and Rachel
Collingwood of Central Studios (filtn and photography). and w¢ ar¢ thaTthI for their coThtinuing support.
Page 26

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2022
STRucfuRE, GOVERNANCE AND MANAGEMEiYr
Risk m*DagetDen¢
I￿Ve10f
impa¢t LlltelihoD
Risk
Category
Rlsk Tltle
(1-5)
d(1-5)
Potential Impact
Steps to mitigate risk
Ext¢rnal
Clitnactic
Events such as
Ensure that the risks ar¢
heavy rnin5.
id¢ntifi¢d, and wh¢rc
volocanic
urgently required advocacy
eruptions in
is undcrtakcn wilh
Rubayu and
stakcboldcrs who could
earthquakes coum potcutially address th¢m.
hav¢ a major
itnpact on housing
of bcncficiaries.
Financial
Ex¢hallg¢
rate
The weakening of We are monitoring thi5 for
thc rKTrund will
projLxts with a fixcd
haN'e an adi'er5e
exchange rdt¢ Isuch as
impact on our
Clifford Chance) and will
finances if that
cnsurc thai a lowcr
falls cvcn fi]rthcr
exchangc in used for
as Mill iesult in
futur¢ year5 of funding.
exchallge rate
Though currently at 1307
losses.
(713r23)
Operational Loss of key
staff
Polcnlial threat to
delivery of
projects becaLLse
of a deficit of
institutional
knowl¢dgc
Ensure thai.8taff are
propcrly supported, and that
there are sufficient
dci'clopmenl opportllnities.
Ensure that there arc
appropriate Lonsultllnts to
add supp)rt if and when
Opcrational Safeguarding
Hann to
beneficiaries and
repulational
damage io SURF
Ensurc that our
safeguarding wlici¢s arc
Includ￿ in our partner
re￿rtIng rcquirctllCDts and
thai beneficiaries know
about whi5tlc blowing
policies so thai ihey know
who ihcy can reN>rt abuse
to.
Pagc 27

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2022
STRUCTUR[ GOVERNANCE A￿D MANACEMENT
Ext¢rnal
RwandalDR
Fear among
Work with survivors,
C conflict
sur¥ivors of
organisations to extend our
Interdhamwc from mentsl health work in the
DRC killing
districts Dear the FM)rder
people especially
with DRC.
thos¢ in Giscnyi
and Musanzc ncar
the Gollla IK)rder
posL
Operational Coronoyirus
"Restrialo￿5 have
been reduced
SI￿lfICant1Y in
&% a result
Groups are now able to
rneet for trdinings and
COUDseUiDg.
ofthc
mpl¢tn¢ntaiioD of
preventstive
measures.
Financial
Lack of
nding
opportunities
tA)￿ of income
Regularly review
nd ability to
prograTnme5 to ensure
SUp￿rt are&areas
they're relevant to cutrent
of wurk whiLh
donor focu5 while
particulaAy may
mitigating against "mission
result as a result of drift", kccp abrcast ofdonor
the reduction of
and d¢v¢lopment tr¢nds'
UK Aid Budget
include full cost recovery
budgcts when opportunities
do arise.
REFERENCE ADMINISTRATIVE DETAIiS
Re%istered Compan). number
03411565 {England and Wales)
Registered Charity numbeT
1065705
Page 28

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2022
Registered office
4 Hcathfield Road
Bushey
WD23 2LJ
T￿SteeS
Sam Hunt MBE (Chatr)
Josepbine UwaTnariya (Vice£hair)
David Chancy (Vice-chair)
Adrian Veal¢ (Tr¢asurcr)
Alphonsine Kabagatrm)
Liliane Umubycyi- Resigned on 26th April 2023
Jcancttc Kagabo
Will Gwdhand
Samantha Lakin
Philomen¢ Uwamaliya
Compally Secretary
David R￿$$¢11
Chief Executive
Samuel Mundcrcr¢
Founder
Mary Kayit¢si Blcwitt OBE
BaDker5
Co-OP¢Tdtivc Bank
l Balloon Street
Manch¢5t¢r M60 4EP
Auditors
Pr¢stons & Jacksons Parniership LLP
Statutory Allditi)rs
364- 368 Cranbrook Road
Ilford
Essex
IG2 6HY
ST ATEMEN"I' OF TRUSTEES. RESPOt%SlBILITIES
The Iruslccs {who arc also thc directors of Survivors Fund (SURF) for thc PUryM)ses of company law) are
rcsponsiblc for preparing the Annual Rcport and the financial statcrncnts in accordance with applicable law
and United Kingdom Accountittg Stdndards. (United Kingdom Generally Accepted Accounting Pvdctice)
including Financial R¢tK)rtin¥ StdTthid 102 "The Fitwcial Re￿>rtIllg Standard appli￿ble in the UK and
Republic of Ircland"
Page 29

SURVIVORS FifND {SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR EYDED 31 DECEMBER 2022
STATEMENT OF TRUSTELS, RESPONSIBILrriES- Continued
CoTnp(Iny law requires the tsust¢¢s to prcpare financial statements for each financial year which givc a true
and fair Niew of th¢ state of affairs of the charitsble company and of ihc incoming iesources and application
of resourccs, including the incorne aud ¢xp¢nth"ture. of the charitsble company for that pcrio(L In preparing
those finan¢ial slatetnents. the trustees are required to
seleci suitablc accounting p)licies and then apply them con5isl¢ntly-
obKrvc the metho￿. and principl¢s in the cE￿ilY SORP.
make judgeTn¢nts and cstimates that are reasonablc and pntd¢nt'
stht¢ whether applicable accounting standards hav¢ bccn followc4 5ubjcct to any material dcpartures
disclosed and explained in the financial slatenLents-
pr¢p2r¢ the financial statements on (he going ¢onc¢rn b&sis unless il is inappropriate to presume that the
charitable ¢OTnpany will continue in business.
The trustees at¢ r¢swnsible for keeping prO￿r accounting records. ￿'hiCh disclose with reasonable accuracy
at any time the financial posiiion of the charitable LOTllPally 8nd to cnabl¢ th¢Tn to en%ure that the findn¢ial
Staten￿llt$ Comply with the Companies Act 2(￿￿. They are also responsible for safeguarding (he assets of
the charitablc company and hence for taking rea8oDable st¢P5 for th¢ pr¢v¢ntlQD aDd detection of fraud alld
other irregularitieb.
In so far as the trustces arc awarc:
th¢r¢ is no relevant audit information of which the charitable CoMpan￿S auditors are unaware. and
th¢ trusiees have taken all steps that they ought to havc taken IO tnake thcmselv¢s awar¢ of any r¢l¢vant
audit infonnation and to establish thai the auditors are aware of that illfotlljation.
AUDITORS
The auditors, Prcstons & Jacksons Partnersbip LLP, will be proposed for re-ap￿lnIMent at the fortbcoming
Annual General M¢¢ting.
Report of the tr￿4tee5, incorporating 3 strategic rq)ort. approv￿ by OTdcr of thc board of tn￿te¢s, as ihc
Cotnpany directors, on ........18th Septetnber2023
. and signed on the Ix)ard's b¢half by:
Trustce
Pagc 30

REPORT OF THE INDEPENDENT AUDITORS TO THE TRUSTEES OF
SURVIVORS FUND (SURF)
Opinion
W¢ havc audited the financial statcmcnls of SurYivor5 Fund (SURF) (th¢ 'cbaritable Compan￿) for the year
ended 31 Decemkr 2022 which compris¢ the Swement of Financial Acti￿l¢le5, the Statement of Finall¢ial
Position, the Statement of Cash Flows and notes to the financial Staten￿n[S. I￿luding a S￿￿mary of
significdnt a¢¢ounting policies. The financial r¢p)rning framework that has bcen applicd in thcir preparation
is applicabl¢ law and Uniied Kingdom Accounting Standard5 IUDited Kingdom Gellerally Acceptcd
Accounting PraGlir¢). including Financial R¢portiDg Stamdard 102 The Financial ReFK)rting Standord
applicable in the UK and Republic of Ircland,.
In our opinion the financial staiem¢nts'.
iv¢ a tru¢ and fair view of the stare of the charttablc COTnpan￿s affairs as #t 31 Ikccmbcr 2022 and of its
incuming rcsources and application of rcsources. including its income and expenditurc, for the year th¢n
end￿.,
hav¢ been properly prepared itt a¢¢ordance with Uniled Kingdom Generally Accepted Accounting
Practice, includinL. Financial RcFrf>rting Siandard 102 The Financial Rep)rting SvdndLrd applicable in the
UK and Republic of Ircland and
have been pr¢par¢d in accordance with the requ1￿Ments of th¢ Companies Act 2(M)6.
Bas15 for opinion
We conducted our audit in accordancc with ]nternatAonal Standards oll Auditing (UK) IISAS (UK)) and
applicable law. Our resp)nsibilities under those slandards. are fiuth¢r described in the Auditor5,
responsibilititri for the audit of thc financial ststements section of our report. We are independent of the
charitable company in accordance with the ethical r¢quircm¢nts that arc Tclcianl to our audit of the financial
statement5 in th¢ UK, including th¢ FRC'S Eihical s￿]dard. and we have fulfilled our other ethicdl
restK)nsibilities in accordance with these requir¢mcnts. Wc bclicve that the audit evidence we have obtained
is sufficicnt and appropriate to provide a basis for our opinioll.
Conclusions relating to going concern
In auditing thc fi[k￿claI statcments, we have concluded ihat the trnstees, usc of the going con¢¢rn basis of
accounting in the preparation of the fjnanciai 5tatetnents is appropriatc.
Based on the work we have perfornied. we haN'e noi id¢ntifi¢d any Tnatcrial unccrtainiies relating to events or
onditions that, individually or collcctiycly. may casi significani doubl on the charitabl¢ company's ability lo
conlinue as a goillg conr¢rn for a ￿ri(KI of ai Icast twclvc tnonths from when (be fmancial statemenis are
auihorised for issue.
Our rcsponsibilities and the responsibilities of the trustees with respect to going concern are described in the
relevant se¢tions of tknis report.
Other informatio
-rh¢ ttust¢cs ar¢ responsibl¢ for the other inforn￿tI0D. The other inforn]ation comprise5 lh¢ informativn
included in the A[￿U¢ll Report, other than th¢ finallcial statcmcnts and our Rqx)rt of the Independ¢nt
Auditors ihereon.
Our opinion On the financial statements does not cover ihe otber infommtion arKI. except to the extent
oiherwiw explicitly stalcd in our report. we do not cxpress any forni of assurance conclusion thcrcon.
In CO[￿ectIOn with our audit of tbe financial staiements. our responsibiliiy is io read the other infOrn￿tIon
nd, in doing so, ¢onsideT wheth¢r thc otheT informttion is Tnateri8tly inconsistcni with the financial
stat¢menls or our knowlcdgc obiained in the audit or otherwisc appcajy to bc mal¢rially misstated. If w¢
dcntify su¢h ￿￿ÈtrIal inconsiSt¢nci¢s or apparcnt tnai¢rial misstat¢meDts. we are r¢quiied to det¢rmin¢
wherher this giveb Tise to a maietial misstatemeT]t in the financial statements themselvcs. If, based on the
work w¢ have perfomed. wc concludc that there is a material mlsstalen￿nt of this other infornution, w¢ are
required io T¢port thai fact. Wc havc nothing to i¢wbrt itt this t¢gard.
Page31

REPORT OF THE INDEPENDENf AUDITORS TO THE TRUSTEES OF
SURVIVORS FLryD (SURF)
Matters on which we are requlred to report bv cxception
We have nothing to report in respeci of the following mattcTS wh¢rc the Charities (Accounts and Reports)
Regulations 2008 requires to report to you if, ID our opinion:
the infornHtion given in the Rei)th of th¢ TnLS*¢S i5 I￿On51stent in any nmterial restrtt with the
financial statements. or
thc charitable Company has not kq)t adequate accounting record5. or
th¢ financial statements ate DQt in ag￿¢ll￿nI with thc accounting rttorits and returns" or
we have not reLeived all tbe inforn]allon and explanations we requÈre for our audit.
The Trustees were noi eniiiled to PTepaT¢ the finan¢ial statcmcnts in accordance with the small companies
rcgime and tak¢ adyantagc of thc small companies, exenyions in preparing thc trustccs, rcport and from the
requir¢m¢nt to prepare a strategic re￿rt.
R(*ponsibilities of trustees
As explain¢d more fully in the Statement of Tnstees, Responsibilities. the trustccs (who arc also the
directors of the ¢harit¢Lbl¢ ¢OTnpany for the PUTwbses of company law) ar¢ r¢s￿)nsIble for the prepardtion of
the financial statements and for being satisfied that ihey give a truc and fair view. and for such inicrnal
control as the trustees determine 15 nec¢ssary to ¢nabl¢ th¢ pr¢paration of financial statements that arc fre¢
from material missiatement, whether due to fraud or e￿or.
In pr¢paring the financial statemen1% the I￿￿teeS are resp)nsible for asscssing the charitable coMpan￿S
ability to continu¢ as a going Conc¢￿ disclosing. a5 applicabl< n￿ll¢r$ related to going concern and using
the guing concern basis of accounting unless the trustees eith¢r iotend to liquidate the charitable company or
to ccase 0￿rationS, or havc no rcalistt¢ altcrnattvc bul to do so.
Our rtspollsibilities for the audit of the financial statements
We have b¢¢n appointcd as auditor5 undcr Scction 144 of thc Charitics Act 2011 and r¢p)rt in accordance
th the Act and relevant regulations made or having effect ihereunder.
Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are fr¢¢
from mat¢rial misstatcmcnt, whether duc to fraud or crror, and io TSSUC a Rcport of th¢ Indwndcnt Audiiors
that includcs our opinion. Reasonable assurance is a high lei'el of assurdniy, bul is not a guarantcc ihat an
audit ¢onducted in accordance wilh ISAS (UK) will always delect a Tnaterial misstAtement when it exists.
Mi551atements can aris¢ from fraud OT ¢rtor and aTe considered material if, individually or in the aggregatc,
they could r¢asonably be cxpectcd to influcncc th¢ cconomic dccisions of users tsken on the bas15 of these
financial statements.
Thc cxtcnt to which our proc¢dures are capable of detecting irrcgularitics, including fraud is detailed below:
We obtained an undeTStsnding of the legal and regulatory fram¢wot* appli¢abl¢ to the ¢ntiiy and how the
entity is complying with that framework by discussing with Managen￿nt and checking compliancc with
regulators.
A further de%cription of our rcsTx>nsibilitics for thc audit of the financial statements is loCa￿d on the
Financial Reporting Council's ls'cbsitc at wTrTrw.frc.or&uk/auditorsresy)nsibiliiies. This description fornis
part of our R¢port of the Independent A￿dI￿rS.
Page 32

REPORT OF THE IIWEPENDENT AUDITORS TO THE TRUSTEES OF
SURVIVORS FUND (SURF)
Use of our report
This repon is solely to the charithbl¢ compangs tnL8tees, &s a Ix)dy. in accordance with Part 4 of the
Charities (Accoiints and Rew>rts) Regulatio￿5 2￿8. Our audit work has been uudertaken so thal wc might
state to th¢ charitable company's trustees th¢)se matters we are required to state to them in an auditors, [c￿rt
and for no other purw)se. To (be fullest extent pemiiited by l&w, we do TJOI accept or assume responsibility ¢0
anyon¢ other than thc charitable company and the charitablc companls trnstees as a body, foi our audit
Work. for this repory or For the opiDions we have forn￿d.
for and on behalf of Prestons & Jacksons Parn¢rship LLP
Statutory Auditors
Eliwblc to act an auditor in tcnrLS of Section 1212 of the Companies Act 2006
364 - 368 Crnnbrook Rodd
Ilfurd
Essex
IG2 6HY
Dale:
Page 33

SURVIVORS FUND (SURF)
STATEMENT OF FINANCIAL ACTIVITIES
NCORPORATING AN INCOME AND EXPENDITURE ACCOUNT)
FOR THE YEAR ENDED 31 DECEMBER 2022
31.12.22
Total
funds
31.12.21
Totsl
funds
Unrestricted Restricted
fimd
Notes
INCOME AND ENDOWMEiYfs FROM
Donations
33,720
5V53
91,973
72,570
Charitable activities
Charitable Activity
41.494
530,183
571,677
663.893
Other tncoming Rcsources
4,793
62.468
67.201
3,671
Tot41
80,007
650,904
7311,911
740.134
EXPENDITURE ON
Charitable actiTritie5
Clwitable Adivity
730.506
797,055
611,851
NET INCOMEI(EXPEiNDITURE)
13.458
(79,602)
(6&144)
128,283
RECONCILIATION OF Fu￿￿}s
Total funds brought fonyard
86236
153,428
239,6(A
111,381
TOTAL Fuf4DS CARRIED Tr"ORW'ARD
99,694
73,826
173.520
239,664
The notes fomi part of ihese fjnancial sthtcments
Page 34

SURVIVORS FUND {SURF)
STATEMELYf OF FINANCIAL POSITION
31 DECEMBER 2022
31.12.22
31.12.21
Notes
FIXED ASSETS
Tangible assets
13
41J48
40248
CURREiYf ASSETS
DebtL7rs
C&sh at bank and in hand
14
21,726
138,921
14.382
211,437
160,647
225.819
CREDITORS
Amounts falling due within one y¢ar
15
{2&675)
(26,403)
LYET CURRENT ASSETS
131,972
199,416
TOTAL ASSETS LESS CURRENT
LIABILITIES
173,5211
239,664
P*ET ASSETS
173,520
239.664
Fuf%DS
Unrestricted fi￿ds.
General fund
RestriLied funds..
Rcslrictcd Funds
17
99,694
86,236
73.826
153.428
TOTAL FUTrIDS
173520
239,664
The ¢hatitabl¢ coinpally is entitlcd to ex¢mption from audil under S¢¢iion 477 of the Companies Act 2(X)6
for the year ended 31 De¢mber 2022.
'I'he metnbers have not deposited notice, pursuant to Section 476 of the Companies Act 2006 requiring an
audit of these fLnancial ststements.
The trustCC5 acknowledge iheir reswnsibilitics for
(a)
Cll5urin¥ that the charitable Lumpany k¢¢ps a¢counling r¢¢ords that comply with Sections 386 and 387
of the Companies Aci 21KI6 and
(b) preparing financial statcm¢rEts which give a true and fair view of thc 5tatr of affairs of thc charitablc
company as at the end of eaLh financial year and of its sU￿lUS or deficit for each f￿a￿LIa1 Ye￿ in
accordance with ihe requirements of Sectio￿$ 394 and 395 and which otherHise comply with the
requiremcnts of the Companies Act 2(K)6 relaiing to financial statements, so far as applicable to the
charitable Lompany.
These finan¢ial statcm¢nts hav¢ been audited under the requirements of Scction 145 of the Chariiies Act
2011.
The notes forni part of these financial statements
Page 35
continued...

SURVIVORS FUND {SURF)
STATEMENT OF FtNANCIAL POSITION - continued
31 DECEMBER 2022
The financial statements were approycd by the Board of Tn￿(eeS and authoris¢d for issue on
18th Septetnber 2023
. and were signed on its b¢half by:
Tn]stee
TnLSte¢
The notes fomi part ofthese financial statements
Pagc 36

SURVIVORS FUND (SURF)
STATEMENT OF CASH FLOWS
FOR TEtE YEAR ENDED 31 DECEMBER 2022
31.1222
31.12.21
Notes
Ca$h fl•w$ from Dpernting actii'ities
Clqh gener￿e￿ from operations
(61￿1>
183,145
N¢i ¢ash (used invprovided by 0￿ratIng activiti&s
(61I21}
183,145
Co$h flows from investing aetivities
Purchasc of tangible fixcd &￿etS
(10,695)
(20,780)
Net ¢#sh used in illvesting aciivities
(10ffi9
(20,780)
Ch*nge in cash and cash equiYalent$
in the reporting period
Cash and cash equii'alents at the
beginning of the reporting period
(72,516)
162,365
211,437
49.072
Cllsh c*sh equii'alents at the end
of the reporting periiMI
138,921
211,437
The notes fonn part of thcsc financial statements
Page 37

SURVIVORS FUND (SURF)
NOTES TO THE STATEME￿ OF CASH FLOWS
FOR THE YEAR ENDED 31 DECEMBER 2022
RECONCILIATION OF NET (EXPENDITUREYINCOME TO NET CASH FLOW FROM
OPEIi4TING ACTITr]TIES
31.12.22
31.12.21
Net (expenditure)lineome for the reporting period (as the
Statement of Financial A¢tivltles)
Adjustments for:
Depreciation charges
Other
(Incrcase)Idecrease in debtors
Incr¢Jsc in creditors
(66,144)
125,283
10,998
(1,603)
(7J44)
2,272
4.714
631
46,656
2.861
Net ¢a$h (used in)Iprnvided b). operations
(61,821)
183,145
ANALYSIS OF CHAINGES NF.T FUNDS
At 111122 Cash flow At31112122
Net cash
C&sh at bank and in hand
211,437
(72,516)
138,921
211.437
(72.516)
138.921
'rotal
211,437
(72,516)
138,921
Thc llotC5 forni part of these financial statements
Paoe 38

SURVtVORS FttND (SURF)
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2022
ACCOUIYTING POLICIES
Basis of preparing the financial 5ta¢ements
The flnancial statements uf the Chatitable COTnpaDy. which is a public b¢nefit entity under FRS 102,
have been prepaTed in accordance wilh the Charities SORP (FRS 10?) 'Accounting and Reporting by
Charities". Statcment of Recommended Practicc applicable to charities preparing their accounts in
acrordanee with the Finanrial Rcporting Standard applicable in thc UK and Republic of I￿laDd (FRS
1021 (effective l January 2019).. Financ￿1 R¢porting Strnilard 102 The Financial Reporting Standard
appli¢abl¢ in the UK and R¢public of Ireland, and tbc Companics Act 2(K)6. The financial stat¢m¢nts
have been prepar￿ under the bistorical cost conveiiti(Trn.
The charity constituies a public benefit entity as defin￿ by FRSIO2.
Going Con¢ern and Impa¢t of Cov5d 19
With restricuons eased off ill March 2021 and vaccination programme organised and rolled out by the
Govcmment of Rwanda, SURF has successfvlly minimised the impact of the PandLxnic on their
charitablc objwtiv¢s. The organisation further secured sU￿]CteD¢ fimdings to opcrate for thc next
twelvc Tnonths. As such, the Board of trustees are confident thai they would b¢ in a position to
out their clwitablc activities in the coming year.
As, a result ol this. tbe Irusiees consider ibat there are no material uncertainties about the charitys
abilily to ¢ontinu¢ as a going ¢on¢ern.
Income
All InC(￿ne is reco¥ni5ed in thr Stat¢Tnent of Findncial ActiNiti¢s vncc the charity has entitl¢menl tv
the funds, it is probable that the incomc will be r(￿1Ved and the amount can mcasured rcliably.
Donations are reCO￿lSed when the charity has been notified ITJ writing of the amount dnd
settlcment date. In the event thal a donation is subjccl to conditions that require a level of
perfomL4nce before the charity is entitled io ihc funds, thc incomc is deferred and not recognised until
either those conditions are fully m¢L or lh¢ fulfilmcnt of thosc CODditlOD is wholly ￿'11h1n the control
of thc charity ¢￿d is prvb¢Lble that those conditions will be ￿Lfilled in the reporting pctiod.
Incotn¢ frotn goi'ernment and other grants. H.hether "capital. grants or"reN'enuc" grants is recognised
wh¢n the clwi(y has entitlement to the funds. any peifornwice condiiions attacbed to the grdnts have
bccn met, it is probablc that ihe income will be received and ihe amount Can ￿ mcgsured reliably and
is not defetred.
Donated qervice8 recognised in the fmancial slatements would include those provided by an
individual or entity as part of ihcir tradc or prof¢ssioD for fr¢¢. kn quivalent amount is included as
expcnditur¢.
Expenditure and irrecoi'erable vat
Liabiliti¢s arc rccogniscd as expenditure as s￿n as there is a legal or CQDSlru¢tiv¢ obligation
¢ommitting the cbarity to that expenditure. it is probablc thai a tTrnsfer of economic benefits will be
requiTed in scttlcmcnt and th¢ amouni of the obligation can be mwurcd rcliably. Expcnditurc is
accouthtd for on an accruals basis and has EKcn classificd under heading5 that aggregate all cost
related to ihe category. Whcrc costs cannot be direcily atttibuted to particular headin¥s they hav¢
been allocated to activitics on a basis consistent with the of resOu￿¢s.
Tecoverable VAT is chargcd as a ¢ost against the activity for wbi¢h thc cxpenditure was incurred.
Page 39
continued...

SURVIVORS FUND {SURF)
NOTES TO THE FINANCIAL STATEMENTS- continued
FOR THE YEAR ENDED 31 DECEMBER 2022
ACCOU￿￿[NG POLICIES- continued
Expenditure and irrecoverable vat
Giants offered subject to conditions which havc noi b¢¢n met at the year end datr are noted &s a
Commitment but not accrued as expenditUTe.
TAngible rued assets
Deprc¢iation is provided ai the following annual rdtcs in or(kr to ￿Tite off each a5S¢t ov¢r its
C5timated useful life.
Leasehold Land
Plant and machincry
Motor vehicles
not provid(xl
250/0 on cost
250/0 on ¢ost
Tangible fixLxi assets are stst¢d at histori¢al rost l¢ss accumul￿￿ depreciation atKI any accumulated
impairn]ellt losscs. Historical cost includes expenditure that 15 directly attributsble to brillgiThg the
a55et to ihe location and condilion necessary for il tv be capable of operJting in the mallller illtend¢d
by managcmcnt.
No d¢pr¢ciation is charged on the value of land but any improVen￿nt costs ar¢ depre¢iat&J.
Taxation
The charity is cxempt from corporation tax on its clwitable actiNities.
Fund accounting
Unrestrictcd lunds can be used in accordance with the c]Mritsble objectives at the dis¢￿(10￿ of the
trustees.
Restricted fiEnds can only b¢ us¢d for particular TC5trictcd purpos¢s within the objecls of the charily.
Restrictiot15 arise when specified by the donor or ￿'hen funds are rdised for parti¢ulaF resiricled
purposes.
Further explanation of th¢ nalurc aThJ purrM)sc of cach futKI is iDcluded in the notes to the f￿anCIal
siatcments.
oreign curreneies
A55ets and liabilities in foreign ¢utren¢ies a￿ translat￿ In￿ steiling at the rates of exchange ruliug at
the tstateTnent of futancial position date. Transactions in foreign currcncies a￿ translated into st¢rling
at the rate of exchange ruling at the date of transaction. ExchaDg¢ diff¢r¢nc¢s taken into account
ill arriving at thc opcrnting resulL
Debtors
Basic financial assets, including trade and other debtors, are iTtili411y rccow]ised at transaction price,
unlcss thc arrangement constitutes a financing transaction, where the transaction is me&sured at the
present value of ihe futur¢ r¢ccipts discount￿ al a mark¢i raie of interesi. Such assets arc
subsequently catTied ai anM)rtised cosi using th¢ eff¢¢tiv¢ inier¢si methu( less any in]pairnJent.
Page 40
continued...

SURV￿oRs FUND (SURF)
NOTES TO THE FINANCIAL STATEMENIS - continued
FOR THE YEAR ENDED 31 DECEMBER 2022
ACCOUNTif4G POLICtES- CODtinued
Creditors
Basic financial liabilities. including trade aThl other creditors, loans from thiTd parties and loans froTn
r¢lated parties, are initially recogDiS¢d at transaction price, unless the arrangement ¢onsiitutes a
fmdncing transaction. H'here the debi instnllnent is measured at th¢ prcS¢Dt N'alue of the futur¢
payments discounted at a market rdte of interest. Such iDstnDnents are subsequ¢nLiy carried at
amoniscd cost using the effective intcrest mcthod. Icss any impairni¢ni.
Flnsneial Instruments
Thc charity only has financial asscts and financial li#bilittCS of a kind that qualify as basic fiTwn¢i&l
instruments. Basic financial iDstruments initially recognised ai transaction value and subsequently
measured at th¢ir settlement value.
DONATIONS
31.1222
31.12.21
Donations
CFifi aid
Donatcd serrices and facilitics
80225
9,137
2,611
61,M7
7.786
3,337
91,973
72.570
OTHER INCOMIP*'G RESOURCES
31.12.22
31.12.21
Ag¢ncy Income
Int¢r¢st inmTne
62,468
4,793
3.491
180
67261
3,671
Page 41
continued...

SURVIVORS FUND (SURF)
NOTES TO THE FINANCIAL STATEMENfs- Continued
FOR THE YEAR ENDED 31 DECEMBER 2022
INCOME FROM CHAIiITABLE ACTIVITIES
31.12.22
31.12.21
Activity
Charttable Activity
Grdnts
571,677
663,893
Grants received, includd ID th¢ ab)ve, are as follows:
31.1222
31.12.21
Foundation Rwanda
TNSPIRElafrica
Anonymous
Charities Advisory T￿￿1 (G(M)d Gifts)
Comi¢ R¢licf (Shooting Touch)
Charities Aid Foundation (CAF) Amcrica
Neiwork for Afri¢a
Allan & Nesta Ferguson Charitabl¢ TnL5t
Addax & Oryx FoundatlOD
Clifford Chance
UK Foreign. Commonwealth and Developtnent Office (EmwTrw¢ring
Vulnerable Genocide Widows in Wesiern Rwanda to All¢viat¢
Extreme Poverty (EVWEP) proj￿t)
110,9] I
30,634
71,929
Yo￿07
30,041
8,420
37,426
20,290
37,859
153J60
86.272
36,707
50,000
93,843
20,454
807
36,634
29,834
239,147
70,195
571,677
663,893
CHARtTABLE ACTIVITIES COSTS
Grant
funding of
actiiities
(see noie
6}
Support
costs (see
note 7)
Direct
Cosis
Totals
Charitable Activity
79,113
637J61
80,D81
797,055
GRANfs PAYABI.E
31.12.22
31.12.21
Charitable Activity
637,861
455,669
Page 42
continued...

SURVIVORS FUND (SURF)
NOTES TO THE FINANCIAL STATEMENTS- Continued
FOR THE YEAR ENDED 31 DECEMBER 2022
GRANTS PAYABLE- continued
The iotal ￿allts paid to institulions during the year was as
follows..
31.1222
31.12.21
Commw]ity Projttis (Sbcltcr}
Foundation RI￿anda
Youth Entr¢pren¢urship Training Program￿￿ (YErp)
Community Counselling Initiativc (CCD
G(M)d Gifts Project
Ra￿hing Rwanda Project
Univcrsity Studcnt sUp￿rt Progrdmn
Network 4 Africa
Empowering Vulnerable Genocide Widows in Western RwaDda
Allcviatc Extrcmc Povcrty ￿VwEP} projcct.
Empowering Vulllerable Genocide WidO￿S in KaroE)gi and Ruisiro
District to Allcvialc Extrcmc Povcrty (F.VKREP) project.
Oth¢r Agcncy Costs
Counselling Extension Response Projtti ICERP II)
Youth Economi¢ Empowcrmcnt Proj¢ct (YEEP)
4,946
62,448
2,958
122.853
102.871
57,699
3232
13,714
2,694
44.611
78,539
43,658
1,034
7.138
89.822
39,184
63￿16
57J27
99.475
23,528
3,129
36,807
131,847
637,861
455,669
SUPPORT COSTS
Premises
Costs
Management Finance
Charitable Activity
54,068
1,449
16J32
Other
Overheads
Csovernance
costs
Totals
Charitabl¢ Activity
2.611
5.021
80,1181
Page 43
conlinued...

SURVIVORS FUND (SURF)
NOTES TO THE FtNANCIAL STATEMENTS- continued
FOR THE YEAR ENDED 31 DECEMBER 2022
NET INCOMEI(EXPENDITURE)
Net ill¢omel(cX￿￿d1tUre) is stated aft¢r cIwgin￿(cred1t1Ag).
31.1122
31.12.21
Auditors, r¢muncration
Depreciation- owned asse
5,021
10,997
4,800
4,636
TRUSTEES, REMUNERATION AND BEh'EFITS
Th¢rc were no tr￿Slees. rwnun¢ration or other benefits for the y¢4r ended 31 December 2022 nor for
the yeat ended 31 December 2021.
T￿Stee5, expenses
Th¢r¢ were Tho trnstees, expen8es paid for thc endcd 31 tkcernber 2022 nor for the year ended
31 DeC¢T[￿¢r 2021.
10. STAFF COSTS
31.12.22
31.12.21
Wages and sa]aries
Social s¢¢urity costs
58,088
5,983
74,633
5,131
64,071
79,764
The average moDthly number of employees during the year was as follow5:
31.12.22
31.12.21
Charitable Aciiviiies
mana￿mellt and AdmiDistrdtion
No cmployees received ¢moluTnents in cAcc5s of £60.(KIO.
Page 44
continued...

SURVIVORS FUND (SURF)
NOTES TO THE FINANCIAL STATEMENfS - continued
FOR THE YEAR ENDED 31 DECEMBER 2022
11. COMPARATIVES FOR THE sTATEmE￿'T OF FINANCIAL ACTIVITIES 31.12.2021
Unrestricted Restricted
Total
fimd
fi￿d
funds
INCOMI E AND ENDOWMENTS FROM
Donations
44,074
28.496
72.570
Charitable Jetivities
Charitable Activiiy
20,01
643,893
663,893
Other Incoming Rtsources
180
3,491
3,671
Total
64,254
675.880
740,134
EXPENDITURE ON
Charitable acti￿.111C5
Charitable Activity
56,624
555,227
611,851
NET INCOME
7,630
120,653
128,283
RECONCILIATION OF FUNDS
Total fijnds brought fonvord
78.606
32.775
111,381
TOTAL FU￿￿￿5 CARRIED
FORWARD
86.236
153.428
239,664
12. KLY MAh'AGEMENf PERSONNEL
The Key Management Pers()nn¢l compris¢d of tbe Board of Tn￿lees.
Page 45
continued...

SURVIVORS FUND (SURF)
NOTES TO THE FINANCIAL sTATE￿NTS- eontinued
FOR THE YEAR ENDED 31 DECEMBER 2022
13. TANGIBLE FIXED ASSETS
l£asehold Plant and
tand
macbincry
Motor
vehicles
Totals
COST
At l January 2022
Additions
Exchange differ¢n¢es
14,1196
64,709
10,043
1,046
12258
652
(180)
91,063
10,695
1,602
736
At 31 D¢ceTnber 2022
14,832
75,798
12,730
103J60
DEPRECIATION
At l January 2022
Charge for year
46,033
7,770
3,819
3,227
50,815
10,997
At 31 Dec¢mb¢r 2022
53,803
61,812
NET BOOK VALUE
At 31 December 2022
13J69
21995
41￿48
At 31 Dccembcr 2021
13,133
18.676
8,439
40,248
14. DEBTORS: AMoufiTS FALLING DUE WITHtN OYE YEAR
31.12.22
31.12.2
Trade debtors
Other d¢biors
9,110
12,616
7,786
6,596
21,726
14,382
Page 46
continued...

SURVIVORS FUND (SURF)
NOTES TO THE FINANCIAL STATEMENTS- continued
FOR THE YEAR ENDED 31 DECEMBER 2022
IS. CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YKAR
31.12.22
31.12.21
Social s¢wity and othcr tsxcs
(hher creditors
3,086
25589
3,733
22,670
28,075
26,403
16. ANALYSIS OF NET ASSETS BETWEEN FUNDS
31.1222
Total
funds
31.12.21
Total
fijnds
Unrestricted Restricted
fund
fimd
Fixed asscis
Cu￿ent asscts
Curr¢nt liabiliii¢s
19.553
108.816
(28,675)
21.995
51J3J
41,548
160.647
{28,6751
40,248
225,819
(26,403)
99.694
73P6
173.520
239,664
17. MOVEMENT IN FUNDS
Nel
movemenl
in funds
At
31112r22
At 111122
Uurestri¢ted funds
Gcn¢ral (und
86236
13,458
99,694
Restrictcd funds
RestriLted Funds
153,428
(79,602)
73,826
TOTAL FUNDS
239,664
166,144}
173,520
Nct tnoY¢m¢nt in fundts., included in Ihe above arc as follows..
Incoming Resources Movement
r¢sources
expcnded
in funds
Unrestricted fund5
Gencral fund
80,iN17
(66,549)
13,458
Rcstrieted funds
Restricted Funds
650,904
(730506)
{79,6021
TOTAL Tr"UNDS
730,911
(797,055)
{66,144)
Page 47
continucd...

SURVIVORS FUND (SURF)
NOTES TO THE FINAIYCIAL STATEMENTS- continued
FOR THE YEAR ENDED 31 DECEMBER 2022
17. MOVEMENT IN FUNDS- Continued
Comp3r¥tives for movement in fuDd5
Net
movement
in fi￿d5
At
31112121
At 111121
Unrestricted fund$
General fund
78.606
7.630
86236
Restricted funds
R¢stricted Funds
32.775
120.653
153.428
TOTAL FUNDS
11 lJ81
128,283
239.664
Comparatlve net movettteni in funds, iticluded itt the aknve are as follows..
Incoming Resources Movement
resouTces expended
in funds
Unrestricted fuDd$
Gcneral fund
64.254
(56,624)
7.630
Restricted funds
Rcsiricted Funds
675,880
(555,227)
120,653
TOTAL FUNDS
740,134
(611,8511
128,283
Analysis of Restrieted ReserTres
31.12.2022 31.12.2021
Youth l¢onomic EmpOw￿n¢nt Projcct (YEEP)
73,826
71,638
Counselling Extension ReSpO￿￿e Project (CERP ID
43,084
Foundation Rwanda
38,706
73,826
153,428
Page 48
continued...

SURVIVORS FUND (SURF)
NOTES TO THE FINANCIAL STATEMENTS- colltinued
FOR THE YEAR ENDED 31 DECEMBER 2022
18. RELATED PARTY DISCLOSURES
David Russell who is ihe Company Sccretary of SURF, is also the Chair of Network for Africa and
Charilics Advisory Trnst. During ihc year donations loialling £37.426 (2021= £36,634) ￿'¢[c received
fmm Network for Africa and £70,807 (2021: £93.843) from Charities Advisory TnLSt.
ring the year. the Tn￿tC(S donated £2,335 (2021.. £5.635) to the orgdnisation.
DurirLg the year, SURF donated £12,307 iowards the cOnS￿CLi0ll of PhilI￿S Place ChildreJ)'s Centr¢
ID Rwanda. The building is CU￿¢￿tIY owned by a rnb¢r of the of trustccs.
19. LEGAL STATUS OF THE TRUST
The charity is a company limited by guarante¢ 2nd has Tr) Share capital.
20. WIliDILSG UP OR DISSOLUTION OF THE CHARITY
If upon winding up or dissolution of th¢ charity, there remaitt as5et5, after th¢ satisfaction of all
debts and liabilities, the ass¢ts r¢prc5ented by the accumUl￿ed fulld shall be irdnsferred to some other
charitable body or bodies haling Similar objccts to the charity.
Pagc 49

SURVtVORS FUND (SURF)
DETAILED STATEMENT OF FINANCLiL ACTIVITIES
FOR THE YEAR ENDED 31 DECEMBER 2022
31.12.22
31.12.21
tNCOME Al￿ ENDOWMENrs
Donations
Donations
Gift aid
Do￿ted servi¢¢s and fa¢Alities
80.225
9,137
2,611
61.447
7,786
3,337
91,973
72.570
Other Ineomlng Resouree$
Agcncy Income
Inierest inLome
62,468
4,793
3,491
180
67,261
3,671
Charitable actiTrTrties
Granls
571,677
663,893
Total ineomlng resources
730,911
740,134
EXPENDITURE
Charitable actii'ities
Wagcs
Social security
Netwvrkin¥ and Advi>cacy
Intcrnct Expcnses
Depreciation of tangibl¢ f￿ed a55eis
Projeci Costs
58,088
5,983
2,528
1,516
10,998
637,861
74,633
5,131
594
1,864
4.714
455.669
716,974
542,605
Support ¢o$ts
Management
Training und Wclfar¢
Travel and Subslstence
Consuliancy Services
&102
IlJ,539
36,027
15,895
7,715
25,61MI
54,668
49,210
Fingn¢e
Fortiw Lxchang¢ Difference
Carried forwtird
713
713
(5,682)
(5,682)
This pagc does not forn) part of the statutory fin￿KIal statements
Page 50

SURVIVORS FUND (SURF)
DETAILED STATEMENT OF FINANCIAL ACTIVITIES
FOR THE YEAR ENDED 31 DECEMBER 2022
31.12.22
31.12.21
Finance
Brought forward
Ballk Lharges
713
736
(5,682}
707
1,449
(4,975)
Premises Cosls
Rent
Light and Heal
Telcphonc
Postagc and slationery
Cl¢aning
9,589
758
1,9S3
1,614
2,418
8,953
866
1,977
3,167
1,911
16J32
16,874
Other Overheads
Advertising
2,611
3,337
Governance eosts
Auditors, rcmun¢ration
5,021
4,800
Total resources expcnded
797.055
611,851
Net (expenditure)fincome
(6fi144)
128,283
This pagc does noi fonn part of the statutory fIn￿la1 statements
Page51