REGISTERED COMPANY NUMBEIL. 03411565 (EnglaDd and Wales)
REGISTERED CHAIUTY NUMBER: 1065705
REPORT OF THE TRUSTEES AND
AUDITED FINANCIAL sfATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2023
FOR
SURVIVORS FUND (SURF)
(A COMPANY LIMITED BY GUARAIYTEE)
Preslons & Jacksons Partnership LLP
Statutory Auditors
364 - 368 Cranbrook Road
Ilford
Essex
IG2 6HY

SURVIVORS FUND (SURF)
CONTENTS OF THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2023
Page
Chairman's Report
A note from the Chfief Executive
Report of the Trustees
3 to 33
Report of the Independent AMdfitor8
34 to 36
Statement of FinaneiAI Activities
37
Statement of Flnanefial PosltfioD
38 to 39
StAtemeDt of Cash Flowj
Notes to the Statement of Cash Flows
41
0ts8 to the Finaneial Statement8
42 to 52
Detafiled Statement of FiDancAal Actlvltles
53 to 54

SURVIVORS FUND (SURF)
CHAIRMANIS REPORT
FOR THE YEAR ENDED 31 DECEMBER 2023
As we enter the year of the 30th anniversary of the Genocide against the Tutsi in Rwand4 it is tim¢ly to
reflect upon all that Survivors Fund (SURF) has achieved over the years to help survivors rebuild their
shattered lives and to honour the innocent sou15 who PCTish¢d. SURF has worked tirelessfiy and achieved so
much:
Over 15,000 genocide widows have developed livelihoods through our eviden¢e-based wraparound
support (including livelihoods training, access to finance, counselling, legal support).
Over 5,000 student survivors have accessed entrepreneurship and work readiness training resulting in the
establishment of over 1.500 new businesses.
Over 2,500 women genocide SUTvivors, raped and infected with HIV, have been supported to access
lifesaving antiretroviral treatment.
Over 1,500 young survivors have been supported to access legal support through the AERG Legal and
Counselling Helpline securing a return of assets of over $1 million for young survivors.
Over 850 marginalised youlh born of rape to women survivors have graduated from school as a result of
our education and counselling support.
Over 400 houses have been built for vulnerabl¢ survivors still in need of secure shelter.
Over 40 memorial sites have been constructed, providing decent burial for over 300.000 victims of the
genocide.
SURF has established 4 healthcare centres 5ervi¢ing more than 30,000 people every month.
Over 1,000 SUTVIVOTS have been support¢d through university and many now hold prominent positions in
Rwanda.
And most recently, SURF h&8 been instrumental in opening the Philly's Place children's centre, providing
free education programmes to nearly 1,000 children and serving as a vital community hub in Bugesera.
None of this would have b¢¢n possible without the ongoing support of SURF'S many donors and benefactors.
Your loyalty and support for our cause have been instrumental in enabling SURF to achieve all that it has. It
is important also to recognise the dedication and commitment of the SURF staff who work so tirelessly* day
in, day out. to make this world a better place. Working coll¢¢tiv¢ly, donors, trustees and staff have made
SURF what it is and can be truly proud of all it has a¢hi¢v¢d.
On this 30th anniversary, we honour the memory of the innocent Souls who perished in the genocide and
acknowl¢dg¢ the courage of those who survived. We are humbled by your resilience and dignity and our
thoughts are forever with you during this momentous year of commemoration.
For those interested to learn more, and to support our work further, please do log on to our website at
www.survivors-fund-or
on which there are films which bring to life some of SURF'S projects, as well as
infonnation on how to donate.
Sam Hunt MBE, Chalr
May 2024
Page I

SURVIVORS FUND (SURF)
A NOTE FROM THE CHIEF EXECUTIVE
FOR THE YEAR ENDED 31 DECEMBER 2023
As we reflect on the achievements of the past year, l am d¢cply honored to share with you the progress and
resilience wilnessed among the Survivors of the Genocide against the Tutsi in Rwanda. Despite the immense
challenges they continue to face, their unwavering strcngth and d¢t¢mination have been a source of
inspiration to us all.
In 2023, Survivors Fund (SURF} remained steadfast in its commitment to providing comprehensive support
to survivors, empowering them to rebuild their lives and communities. Through our key projects, we have
made significant strides in addressing the complex needs of survivors and promoting their long-terni
well-being.
One of our flagship projects, the Livelihoods Pro￿aMMe, has continued to empower survivors with
economic opportunities and skills training. Through partnerships with the Charities Advisory Trust, Clifford
Chance, Foundation Rwandffj INSPIRE!afri¢￿ Network for Afric4 Shooling Touch and Southall Trust.
together we have helped survivors gain sustainable livelihoods, fostering self-reliance and economic
independence.
Furtherniore, our Psychosocial Support initiatives have played a crucial role in addressing the trauma and
mental health challenges faced by survivors. By providing counselling services to individual survivors and
community-based support groups, we have ensured that survivors receive the holistic care that they need
to heal and thrive.
None of this would have been possible wiihout the generous support of our donors and partners. I would like
to extend my heartfelt gratitude to all individuals and organisations ¢ontributin8 to our cause. Your
continued generosity and solidarity have made a tangible difference in th¢ lives of survivors, offering hope
and dignity in the face of adversity.
As we look to the future, we remain committed to our mission of empowering survivors and building a more
inclusive and resilient society. Together, we will continue to stsnd with survivors amplifying their voices.
Thank you for your unwavering Support.
With gratitud¢
Samuel Munderere, Chfief Executlve
May 2024
Page 2

SURVWORS YUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2023
The trustees who are also directors of the charity for the purpo%s of the Companies Act 2006, present their
report with the financial statements of the charity for the year ended 31 December 2023. The trustees have
adopted the provisions of Accounting and Reporting by Charities: Statement of Recommended Practice
applicable to charities preparing their accounts in accordance with the Financial Reporting Standard
applicable in the UK and Republic of Ireland (FRS 102) (effectiv¢ l January 2019).
OBJECTIVES AND ACTIVITIES
Publhe beneflt
The trustees confirnl that they have complied with the duty in section 4(1) of the Charities Act 2011 to have
due regard to public benefit guidance published by the Commission in deterniining the activities undertaken
by the Charity.
Page 3

SURVIVORS FUND (SURFI
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2023
STRATECIC REPORT
AcbievemeDI and performance
SUMMARY OF THE YEAR
Here we highlight some of our work in 2023 and flag up some of the work that w¢ plan to undertake in 2024.
Th¢ external environment for fundraising has never been more competitive and difficult, so we're pleased to
have sustained our work in this ¢hallenging environment.
Counselling Enh#n¢ed Reach Project (CERP IID
Survivors Fund (SURF) has developed and delivered an array of mental health projects to support survivors
over the past 20 years. With funding from Clifford Chance through the Cornerstone programme, the
Counselling Extension Response Project (CERP II) enabled SURF, in collaboration with its partners. to
provide access lo phone-based counselling and supplementary support lo vulnerabl¢ survivors of the
genocide, and related vulnerable persons, from April 2021 through to Oclober 2022.
The need and demand for ¢ounselling services made accessible through CERP 11 are greater than ever. in
part due to the reduction in government funding for dedicated counselling s¢rvices for survivors. The take-up
and effectiveness of the helplines and peer counselling made possible by CERP II has prov¢n to be more
impactful than ever due to ￿eater awar¢n¢ss of the support that is available and how to access it.
The Counselling Enhanced Reach Project (CERP III) is realising the ambition and potential of the project to
ensur¢ ihat survivors can continue to access the counselling support that they require, through to the 30th
Anniversary of the Genocide against the Tutsi, and ihen embed the model so that such support continues to
be available beyond the end of Clifford Chance funding. The project commenced on 1st December 2022 and
will run through to 31 st October 2024.
During ihe period of Year l of CERP Ill, the main focus of the interventions has been to continue providing
phone-based and peer counselling support to survivors of the Genocide against the Tutsi in Rwanda across
the country. Support also has been provided to related vulnerable persons, including the children born after
the genocide and oiher members of the survivor's household who have menLal health issues affecting their
well-being.
The counselling support has been particularly important during the commemoralion of the Genocide against
the Tutsi from April to July, as during this time many survivors experience acute trauma which can severely
impact on their abilities to engage in any income generating activities.
Those who have benefited most from the counselling services are members of the local survivors,
organisations in partnership with Survivors Fund (SURF), which include AVEGA (National Association of
Widows of the Genocide), GAERG ftJalional Survivoes Associalion of Graduate Students), AERG
Oqational Studenvs Association of Genocide Survivors) and IBUKA (Nationa] Association of Survivo￿$
Organisations).
The main objective of the project was to support all categories of survivors and related vulnerable persons
who are facing mental health challenges across the country. But during the interventions, in particular the
phone-based counsellin& we have received as well non-survivor5 requesting mental h¢alth supw)rt.
The most significant number of call¢rs to th¢ helpline ￿e elderly widows who are experiencing extreme
trauma. There are many r¢asons for the difficulties that they are experiencin& but these are exacerbated
often by their poor physical health, as many are suffering from chronic discascs related to their experience
during the genocide.
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SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2023
At the beginning of CERP III, we set targets that to achieve at both the output and outcome level, with
sp¢cific indicators. We are happy to report that we are making good progress on many of these targets. &8 we
prepare for the comrnemoration of the 30th Anniversary of the Genocide against the Tutsi in Rwanda from
April 2024. Wc cxpect that there will a grcat demand for mental health support over this time, and as such
w¢ will be concentrating efforts to ensure that we extend awareness of the mental health support available,
by promoting the toll-free helplines to help survivors and non-survivors who are facing metal health
challenges to access the support offered by counsellors.
The partnership has enabled us to handle 11,373 calls to the helpline from l December 2022 to 30th
November 2023. Those calling the helpline were facilitated by counsellors and peer support counsellors. For
this reporting period, 5,923 have called Ihe helpline for the first time, and it is expected that this number will
increase further as we approach the 30th Anniversary of the Genocide. Through funding made possible from
the projecL our partners will be assisted to promote their helplines through radio advertising and social
media.
Our partner organisations have benefiled si￿lfICant1Y from the project. This project has enabled AVEGA to
set up its own Agahozo Call Centre which is helping them to identify other challenges their members are
facing through th¢ calls they are receiving from all over the county. This support from Clifford Chance has
enabled partner5 to discuss and explores way5 of ¢ontinuing providing remote counselling after the project
end. This is through discussions With other partners including the Rwanda National Police, Ministry of
Health, and Rwanda Biomedical Centre. amongst others. Another change is the way professional counsellors
hav¢ been supported to impTove their knowledge and aplitude to deliver more effective counselling through
the training delivered. This has been achieved tl)rough the supervision sessions with a professional
psychologist in quarterly meetings and trainings.
Tn order to help the project to be sustainable, we have decided to increase the number of Peer Support
Counsellors (PSCS) in different comrnunities. to enable them to work closely with Community Health
Officers (CHOS) to identify people in that community who are facing mental health challenges. As per this
reporting period, 384 peer support have been trained on the b&si¢s of mental health and how they will be
reporting to ihe CHOS at the district level. The Irained PSCS have been able to provide a5515tance to 7,390
people in need during this reporting period.
This project has enabled Survivors Fund (SURF) and our partners to train 188 CHOS from across three
regions of the Country, who in turn are then able to inforni and educate the Community Health Workers
{CHWs) that they work with about mental health issues affecting people, especially survivors of the 1994
Genocide against the Tutsi. As a result, 1,430 CHWS are now better inforn]eO and they are working with
community health centr¢s to identify thos¢ who are facing issues of mental health for further support.
Josephine
"My name is Josephine, and I live in the Southern Province of Rwanda. My story is very long and I cannot
narrate it now, but I want to give you a short testimony of how phone-based counselling has changed my life.
During the genocide I lost all my family. including my 8 Children and husband, as well as my father and
mother and siblings. I have suffered from severe Irauma ever since the end of the genocide up to now. People
from my community knew that it was just a matter of time before I would die of this grief. I could not eat or
lake time to talk lo others.
"A friend of mine learned of the helpline. and the number to call, through an advert on radio. She wrote it
down and came to me asking if we can call and ch¢ck if it is true. person￿ly, I could not make any call, but
she helped and call the number. A counsellor responded and asked what the problem is that I hav¢. I could
not t¢ll my story since it was the first time that I would have done so. But w¢ talked for about an hour and
she told m¢ to call again the next day.
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SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2023
"We started that way and we talked every day for at least l O sessions. I started feeling something is changing
into my life, even though I did not know the person who is helping me. The only knowledge I had is she w&8
working under AVEGA, which I know is for genocide widows. After several calls with the counsellor. I
started dev¢loping some positive attitudes, and now I have started taking to others and thinking about my
life. I believe that this is progress and I will continue to try think that way, more positively, about my future.
"l am very grateful for the helpline, and my counsellor, for the support I have received."
Youtb Eeonomic Empowement Projeet (YEEP)
The Youth Economic Empowernient Programme (YEEP) is a partnership between SURF and AERG
(National Student's Association of Genocide Survivors) and GAERG (National Survivor's Association of
Gradwate Students) to deliver entrepreneurship, work readiness and vocational training, and access to finance
and leaming resources. to empower vulnerable youth - specifically young survivors which dropped out of
school and marginalised second-generalion survivors - and enable them to develop secure livelihoods and
sustainable incomes. In so doin& this will alleviate their poverty and improve their well-being and enable
them to better independently support th¢mselves and their hous¢holds.
YEEP launched in July 2021, and wijl run for an initial three years, made possible through support from
Clifford Chan¢¢. The key objective is to empower vulnerable young people in Rwanda through a programme
of entrepren¢urship, work readiness and vocational training, and access to finance, and in so doing to
alleviate their poverty and improve their well-bein& In so doing, the project will specifically address Target
2 of Sustainable Development Goal I: "By 2030. reduce at least by half the proportion of all men, women
and children of all ages living in poverty,, and Target 4 of Global Goal 3: "promote mental health and
well-being"
We understand that young people have different ambitions for their professional Ilfe. Some wish to find
training and capital to start a business, whilst 0lh¢rs would prefer to find steady employment either through a
job or a trade. YEEP seeks to help principally vulnerable and marginalised young people to navigate their
pathway into work - whether that is enlrepreneurism. employment or a vocation. We expect that at least
2,550 young people will be ¢nrolled in and Complete one of the four trainlng components of the programme:
Entrepreneurship training (pathway into self4mploym¢nt)
Work readiness training (pathway into employment)
Internship training programme (pathway into employment)
Vocational training (pathway into employment or self*mployment)
Over the first year of the project implementation, YEEP focused on the three districts of Kigali City. The
second year of the project focuses on Eastern Province across 10 sectors of the three districts, which are:
- Buges¢rn District: Mayange, Ntarami and Nyamata
- Kayonza District: Kabarondo, Mukarange, Nyamirama and Rukara
- Rwamagana District., Fumbwe, Kigabiro and Mwurire.
The support of Clifford Chance has enabled Survivors Fund (SURF) and GAERG to provide access to an
array of opportunilies for young genocide survivors from the Eastern Province to enable them to access
entr¢preneurship training and mi¢rofinan¢e through a Loan Guarantee Fund we have ¢stablished to support
those that choose to PUTsue ventures which require capital to start-up, as well as through access to channels
then enables acce5S to vocational training and internships. And as a result of the second year of the proj¢ct:
Page 6

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2023
503 young survivors (130 male and 373 female) have been receiving entrepreneurship training. Whereby,
after training they forn]ed 23 small savings ￿0uPS to enable them to start saving together in small groups, as
well as to be able to access loans from our microfinance partner, Goshen. Cumulative savings across all
ups to date amount to over FRW 35 million (around £25.000). An Income Generating Activilie5 (JGA)
Officer is helping them to develop their business plans in order to submit them to Goshen for consideration
for loans, further to a joint assessment by the Goshen and YEEP project team. Those who are illegible will
be provided access to loans through the Loan Guarant¢¢ Fund.
50 young genocid¢ survivors have been enrolled in technical and vocational training education (TVET)
across an array of different fields to help them to develop skills so that they are better positioned to secure a
job in a trade after completing their training. The training they are receiving encompasses a variety of trades
and crafts including hairdressing, car driving, ¢s)okin& bakin& filmmakin& as well as tailoring. The duration
of the TVET training ranges from 3 to 12 months; tuition fees and scholastic materials are covered by SURF
through funding from YEEP,
430 young survivors have participated in the work readin¢ss pro￿arnMe which helps them to wri1¢
application letters and Cvs and prepare for job interviews. And to date, 80 young survivors have a¢¢¢ssed
internships and 20 have secured jobs this year with different institutions across the private sector and
government, through networking and jobs infonnation sharing.
Year 2 has also focused on ensuring continued follow-up and support to Year I participants in Kigali, in
particular those who have accessed loans through the Loan Guarantee Fund. The YEEP project leam
continues to provide advice, guidance, and help to them to ensure they repay back the loans. The total
amount of loans disbursed to Year I participanls to date is 50,006,714 RWF (£36,140).
Jean Claude '
"My name is Jean Claude Musabyeyezu, a 30-year￿Id young survivor of the Genocide against the Tutsi in
1994. Currently. I am running a business selling men's shoes and clothes in Nyamirambo Sector, Nyarugenge
District. l am a participant in the Youth Ewnomic Empowernient Project (YEEP) of GAERG, supported by
Survivors Fund (SURF).
"Through this project, I received entrepreneurship training which opened my mind to creale an Income
Generating Activity. Previously, I faced hopelessness due to lack of job opportunities and ¢ollat¢ral to access
loans. However, after joining YEEP, I gained the necessary skills and developed the idea for my business.
With the support of GAERG and SURF, I received a loan of Rwf 400,000 (£270) to start my business in July
2022.
"After completing the payment of first loan, I have applied for the second loan equivalent to Rwf 900,000
(£605). Since then, my business has been growing steadily and is now valued at Rwt" 6 million (£4,050). 1
earn a monthly income ranging from Rwf 300.000 to Rwf 400,000 (£200 - £270), which covcrs my basic
needs such as food. rent of house, and clothing and other social expcnses. I have also provided jobs to two
other people, that are now earning Salaries valued around Rwf 80.000 (£55) per month. I thank so much
GAERG and SURF for their support."
Page 7

sUR￿VORs FUND (SURW)
REPORT OF THE TRUSTEES
FOR THE YEAR EIYDED 31 DECEMBER 2023
STRATEGIC REPORT
Achievement 2nd performan¢e
Summary of Financlal Revleiv
Young Survivors Counselling Projeet
Thousands of youthful survivors of the 1994 genocide are only now confronting the horror of seeing their
families murdered. They struggle lo make ends meeL alone and vulnerable, prone to depression and
hopelessness.
Through support from our partner Network for Africa (N4A) we are working with AERG to train counsellors
who in turn train local people to become counsellors. The counsellors are themselves survivors who have
endured traum4 so they are familiar with the challeng¢s faced by people with depression and olher mental
health issues. The counsellors are coordinated by SURF Senior Key Worker, Emilienne Kambibi.
During 2023, 345 young survivors (132 male. 213 female) from the eastern and southern provinces were
supported through 240 ￿0Up counselling sessions. 142 of ihese also received individual counselling from
SURPS project counsellors. At the start of the year, 24 survivors were selected to become peer support
counsellors (PSCS) and trained in trauma counselling, before leading the group couns¢lling sessions. They
participated in 4 clinical supervision sessions during the year.
All 345 counselling participants, and 749 community members, received psychoeducation on types of mentsl
health issues e.g. trauma, depression, substanc¢ addictionlabuse. We also conducted 177 home visits during
the year, providing family therapy, help to resolve family conflicts, and psycho-education.
Our counsellors supported the participants lo prepare mentally for the 29th Commemoration of the Genocide
against the Tutsi in Rwanda. This support meant that some people felt able to take part in genixide
commemoration activities for the first lime. During the commemoration event, the counsellors &ssisted 55
survivors with post-traumatic stress disorder (PTSD), of whom I I needed to be transferred to health
facililies - they have all since r¢cov¢r¢d and have been discharged.
In 2024, SURF has started 12 new peer ¢ounselling groups in the east (Rwamagana District) and souih
(Huye District), consisting of 300 people ( 110 male, 190 female). So far, the wups have had 3 or 4 sessions
each. and a baseline study has been conducted with a sample of 60 participants.
M*
K.M is a young woman living in Gah¢ngeri sector of Rwamagana in the E&stern province. She is married and
h&$ two children. She was born into a family of five children, including herself, where her parents were
killed during the Genocide against the Tutsi in 1994. She survived with only one sister, who later passed
away when K.M was I l years old. Due lo her difficultie4 she was unable to complete her studies and
dropped out of school in the second ￿ade of secondary school.
At the beginning of the counselling ￿0uP, K.M didn't talk or laugh. When asked how she feels, she only
cried. During individual ¢ounselling, she was able to talk about her problems. She said, "If I see happy
people laughing, it makes m¢ very sad. I feel like I don't have any reason to be happy. When I was ready to
get married, I refused to have a wedding because I have no one to share that happiness with. J sleep less often
becaus¢ I sp¢nd timc thinking about how someone lives without having a falnily. I hear voices telling me that
l am nothing, l easily get angry, which makes me unabl¢ to soGialise with others. I have no friends, and I like
being alone. I don't see my future. I feel less important in the community. I joined the group counselling
because I was told that I can be helped and at least be able to raise my childr¢n."
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SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2023
STRATEGIC REPORT
Achievement and performance
K.M is being &gsisted in individual and group ¢ounselling sessions to awaken positive resources within
herself. For instance, She is reminded that she already has a family stemming from her, and she h&8 a
husband whom she Cares for. Additionally. she has been encourag¢d to visit the health cenlre to obtain
medication for depression.
Youtb EDtrepreneurshlp Tr4lnlng Programme IYETP)
49 survivors who had participated in the Young Survivors Counselling Project during 2021 and recruited for
the entrepreneurship programme in 2022, continued to be supported by SURF in 2023. N4A provided a loan
guarantee fund of RWF 5,000,000 (approx. £3,115) through Goshen Microfinance.
Of the 49 programme participants, 43 submitted business proposals, 19 have received loans from Goshen, of
whom 4 have completed repayments. Goshen has disbursed RWF 6,500,000 (approx. £4,050) to date.
Th¢ small number of loan recipients is not only because of the siz¢ of the guarante¢ fund, but also because
the National Bank of Rwanda imposes penalties on institutions whose default rate is above a certain level,
and Goshen requires & guarantor for loan applicants.
Due lo these restrictions, the low number of loan recipients, plus ihe need to embed the programme and
trainin& it was decided not to recruit new participants to the enlrepreneurship programme in 2023.
To mitigate the low rate of microloan recipients, SURF successfully transferred 15 of these participants onto
its Youth Economic Empowennent Project (YEEP), funded by Clifford Chance, which gave them access to
microloans for their business plans - taking the total number who have received loans to 34. Meanwhile, all
49 participants received refresher trainin& during which loan recipients exchanged experiences with others
and dis¢us5 the main challenges their businesses are facing.
In addition to the entrepreneurship, in November 2023, 8 participants had short-teTm vocational training in
driving. 4 successfully passed their test, while the remaining 4 will r¢tak¢ it in 2024. These training sessions
will help them find job5. improve their livelihoods. and fight trauma associated with poverty and
unemployment.
Finally* 250 PSC project participants receAved work readiness training, of whom 240 received training in
entrepreneurial skills, and 218 have started small businesses with their own savings. SURF has assisled peer
counselling groups in starting savings, and in total group members saved RWF 1.853,000 in 2023 (approx.
£1,155}. 9 project participants received business support from the Ministry of National Unity and Civic
Engagement - RWF 500,000 (approx. £310) person to start a small business.
Rachel *
Rachel is 29 years old. She is an orphan, and a single mother, with a daughter who is four years old. She is
on¢ of the Mwurile group couns¢lling mcmbcrs.
Rachel dropped out of school in S.5 as a result of an unexp￿ted pregnancy. Du¢ to serious ¢motional
ch￿lengeS resulting from her life experience she joined the counselling group.
Pag¢ 9

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2023
STRATEGIC REPORT
Achievement and performance
Before joining thc ￿0UP* Rachel was unemployed and had no source of income. She lives in Rwamagana
District. Mwurile Sector, in the Eastern Province of Rwanda. She participated in our entrepreneurship skills
trnining programme, where she learned about starting a business using either savings or taking a loan from
the bank or microfinance institutions. After completing the trainin& she developed a business plan and
secured a loan from G05hen Finance of 300,000 Rwf (£200) to implement her business idea of Setting up a
boutique to sell clothes and shoes for women.
Rachel is very happy that she has started her business, and it is going well despite the business challenges.
'l am very happy that today I have a business which is generating income for my family. After dropping out
of ￿h0o1 I thought my life was fjnished unlil I started attending the ¢ounselltng groups with other young
survivors. l always had in mind a business idea, bul I could not implement it due to lack of funds. After
attending the entrepreneurship training and being given a chance to be selected for a loan, I was very happy.
l am not worried about repaying the loan. My business is generating good revenue and I have hope in . the
future that I will generate enough profit. My plan ahead is to work hard and expand my business in the
future..
Rachel's business is promising. She is generating 120,000 Rwf (£80) per month as net profit after deducting
all the expenses. She started repaying the loan, and she is on track to repay all her loan in good time. Her
business is now valued at around 900,000 Rwf (£600).
Sustaining the Empowerment of Vulnerable Genoeide Wldows In Western Rwanda to Alleviate
Extreme Poverty (SEVWEP)
In January 2023, Survivors Fund was awarded a grant from the Southall Trust for the Sustaining the
Empowerment of Vulnerable Genocide Widows in Weslern Rwanda to Alleviate Extreme Poverty
(SEVWEP) Volunteer Network Support Project. This support has enabled Survivors Fund (SURF) and our
principal partner AVEGA Agahozo (Association of Widows of the Genocide) to keep helping our
beneficiarie5 Ihrough the work of volunte¢TS. The volunt¢¢rs visit survivors who we have helped to start
businesses, helping them to generate income and repay loans. They also follow up the work of counsellors to
help those who are living with extreme trauma and provide advice on kitchen gardens to help improve food
security, as well as reporting to the AVEGA Head Office on the status of genocide survivors in their
communities.
In the initial planning we intended to assist 200 genocide survivors across 33 sectors of two districts of the
Western Province of Rwanda through home visits, to support their income-gen¢rating activities, assist with
counselling as well as provide guidance on kitchen gardens. By th¢ conclusion of the project, we have
managed to help over 350 beneficiaries from the areas where the project operates. The majority of
b¢neficiaries are women survivors of genocide rape, many of them living with HIVIAIDS and living in
extreme povety. This grant has enabled them to access support from volunteers for critical assistance.
The highlights of the project as a whole, which this volunteer network has supported, include:
1,120 vulnerable genocide survivors trained on entrepreneurship, of which 350 ac¢¢ssed 102ns from
Urwego Bank to enable them to start their small businesse5 and gen¢ratc incornc.
Among the 1,120 trained on entrcprcn¢urship, 420 g¢nocide survivors have started small businesses using
their own saving and borrowing from the saving groups. As such, collectively this ￿ant has enabled 770
individuals to start their small businesses to support their families.
460 beneficiaries benefited from ¢ouns¢lling sessions made by the counselling volunteers who were
trained on trauma and mental health basics.
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120 bcneficiaries have been visited to help them establish and improve their kitchen gardens to increase
the nutrition in their diet.
I beneficiary was awarded a home after a long time of being homeless through the advocacy of Community
volunteers.
87 b¢neficiaTies who were suffering with mental health issues have been referred to hospitals for further
support. Of them 80 are now doing better, while 7 are slill under treatment.
There8e
Theres¢ is one of the SEVWEP beneficiaries, living in the Western Province of Rwanda. She is 58 years old.
Therese found hope and empowennent through enlrepreneurship training skills and access to finance. She is
a member of the DuhoL4nye (Lets comfort each other) income generating activity group. She attended
entrepreneurship and self41evelopment skills training, and together Therese and the other group members
have pooled their resources together to start helping each other. Group members started saving, whtch helps
them financially to slart small income generating activities and boosler their economic growth within the
communities.
Therese chose the business of making banana juice and banana beer. She started with a loan of 200,000 Rwf
(£130) from Urwego BanK which she repaid back with interest, enabling her to secure a follow-on loan of
300,000 Rwf (£195). The business continues to grow and as such Therese has managed to buy livestocL 3
goals. The life of Therese and her family has changed sI￿Aficant1y.
"I dony know how I can express my positive feelings. Before this project, I w&8 hopeless and ready to die
any time. Getting food was very difficult for most of the genocide survivors in our community, but we thank
God for the project. We attended training with no confidence of getting money to start something to generate
income. But during the training our minds began changing on a daily basis, and we started saving small
amounts as startup capital. We learnt a lot. like investment, savings, money management and conflicl
management. I personally took a loan of 200,000 Rwf and started buying bananas from the local market and
making juice and beer from them. This business g¢n¢rates a lot of income, and I have managed to buy
livestock. l am now able to fully financially support my children who are attending school by providing them
with all ihe school materials they need, as well a5 meeling all the basic needs of my family.
Good Gifts Project
Through funding from the Good Gifts Catalogue, an initiative of the Charities Advisory Trusl, we have
extended our sUPPOrt to thousands of widows and orphans that are beneficiaries of our ongoing livelihoods
program, enabling them to become more independent and self-sufficient.
Survivors Fund (SURF) aims to alleviate the impact of poverty on vulnerable survivors by strengthening
their families to secure viable livelihoods. The fijnding from Good Gifts helps to set up income generating
projects which empower communities to fight poverty and take tnore active role in deterniining th¢ir liv¢s.
Many survivors have b¢¢n supported, receiving livestocL agricultural materials, solar lights and cookers.
meals for schoolchildren and much more. Th¢ sUPPOrt from Good Gift5 has played a significant role in
enabling us to empower vulnerable survivors and their dependents. The livelihoods programme has helped
beneficiaries to improve their lives. For example, those that have received solar lights and clean cookstoves
are making savings for their households as they are no longer spending on kerosene. &8 well as saving time
used to collect firewood. For that support they, and we, are greatly appreciativ¢.
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Amongst the gifts we have donated this year are:
Solar Li
ts for Survivors
Solar lights are important in Rwand4 as they play a crucial role in improving the lives of Rwandans and
promoting sustainable developm¢nt. Rwanda like other many other developing countries faces challenges in
providing reliable access to electricity for its entire population. Solar Lights provide an off-grid lighting
solution that doesntt rely on a centralized power, making them accessible to people in remote areas.
Rachel is one among hundreds of genocide survivors who received solar lights lasl year through the support
of Good Gifts.
"l am very cheerful to be among the beneficiaries to receive solar lighls from Survivors Fund (SURF). In our
community we don't have electricity and there is no plan to have it soon due to the fact that we are living in a
very remote area. This solar light will help me in many ways. I nornially use a lot of money to buy paraffin
for lighting in the house. l also pay money for mobile phone charging, and I have to walk a long dislance to
the shop where I can Charge my phone."
The solar lights will improve the educational attainment of the children in the community through enabling
students to study after school, which is particularly benefjcial in rural areas where many students do not have
access to electricity so cannot study in ihe evenings. As a result, this will lead to better academic
p¢rforn)ance and educational outcome5 for those living in the households of the beneficiaries.
The solar lights will also be used as an income generating activity, through enabling the beneficiaries to
harg¢ th¢ phones for other members of the community.
This solar light will also help r¢duce health risks caused by using kerosene and paraffin which produces
harn]ful fumes and pose fire hazards. This will reduce the eye and breathing complaints that often arise from
those using those traditional lighting sour¢¢s.
Agnes, another beneficiary of the pro￿amMe commented:
"Sincerely speakin& we are very happy for this solar light which we have received today. We are poor and to
get paraffln was not Possible to do for lighting every day. Sometimes we used to enter into the house when it
was very dark without any lighting at all. It has not even been possible to get firewood, as it is so much more
expensive these days. This solar light will help our children to study for their lessons freely and at any time
into the evenin& whereas before this was not possible to do. Thank you for this precious gift..
Solar lights are important in Rwanda because they address critxcal issues related to energy access, educalio
healtlL economic development and environmental sustainability.
Mobile Health Education Clini¢
Bugesera District is a district in the Eastern Province which has many remote areas. Survivors Fund (SURF)
has partnered with Ntarama Health Centre, one of the health centres run by our local partner AVEGA. to
provide a Mobile Health Clinic, especially in areas that are difficult to reach.
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Th¢ Mobile Health Clinic is very important in improving health education access, delivery and outcomes in
the remote parts of the county. Rwanda's geography includes many remote and hard to reach areas. which
can make it difficult for people to access health education facilities. The Mobile Health Clinic can bridge
this gap by bringing health education service5 directly to these underserved communities, especially in the
rural areas.
Demilrie Mukandashimye is the director of the Ntarama Health Centre. She confirnled that this Mobile
Health Clinic is very important to them. They have many people that walk up to 20 kilometres to come to
their health centre to attend education sessions on reproductive health/farnily planning* and many women
that come to vaccinate their children. The mobile clini¢ will help take both the health education and the
vaccination programme direct to the people that need it mosL and otherwise 8truggled the most to access it.
"We are very happy today to receive Ihis Mobile Health Clinic, which is going to help us to deliver health
support to more people than ever. This will help in particular those people who currently com¢ from far
away to the Health Centre, as we are now in a position to take our work directly into their ¢ommunittes with
all the materials needed to ensure that we can deliver the support that they need.
"During our health education campaigns, Ihe Mobile Healih clinic will help u5 Wjth our outreach and to
transport all the essential materials, We used to have to rent cars to bring medication to this Health Centre
from the District Office, but now we will be using this electric vehicle which will save & lot of money that
otherwise wc had to pay.
"We have 88 community health workers who are helping people in the villages. We will be working with
them to arrange field outreach activities together. Before receiving this support, we used to provide services
to less than 10,000 people a month. But due to this support, we will be able to deliver help to more than
30,000 people per month providing an array of different services to a much ￿eater population, including
those most in n¢ed of our health support in hard-to-reach rural communities."
The Mobile Health Clinic is very essential because il addresses the unique healthcare challenge of accessing
remote communities with limited healthcare infrastructure, and the need to improve access. This will play a
big role in advancing healthcare access, improving h¢alth outcomes, and promoting the overall wellbeing of
the population.
Banana Beer
Traditional beer, known as Urwagwa in Rwanda, is a popular and culturally significant alcoholic beverage in
the countryside. It is made from ferniented bananas and has been consumed for centuries as part of Rwandan
traditions and rituals. Through the support of Good Gifts, Habimfura Felicien who is 54 years old living in
the Southern Province of Kamonyi district, has been supported to start a business of making and selling
banana beer in the community.
"I thank you very much for this SUPPOrt. I have a family of 8 children who I need to support to pay for their
school fees and school materials to enable them attend school regularly. After receiving the support from
Good Gifts to set up a small business producing and selling Urwagw4 I now make banana beer five times a
week and can produce up to four jerry cans each round. l am very sure that my family life will be changed
for the better, as l arn now able to generate income of Rwf 20,000 (£15} per week as net profit with which I
am now able to meet the essential needs of my family."
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Banana beer has a cultwal significance. especially in ceremonial use where it h&8 ritual significance in
Rwanda. It is often used in Iraditional ceremonies. such as wedding59 birthday celebrations, and other
important events. Sharing Urwagwa is a way for Rwandans to bond and build sooial connections. Not only at
ceremonies, but also offering Urwagwa to elders is a SI￿ of respect to them.
Traditional banana beer plays a central role in Rwanda culture. connecting people, preserving traditions and
celebrating life's important moments. While the process may vary slightly from one region to another and
among differenl Rwandan communities, the cultural significance of Urwagwa remains strong throughout the
county.
Universii
onsorsh.
The support from Good Gifts enables Survivors Fund (SURF) to sponsor students at inslitutions of high
learning. Currently we are sponsoring seven Universiiy swdents. This year three students graduatrd and
Claire is one of them. She graduated wilh a Bachelor's Degree in Finance.
Claire used to work and study in order to pay her sch¢)ol fees and support her family. It was too much a
responsibility that she dropped out of school in order to support her mother and young brothers. The support
from Survivors Fund (SURF) mad¢ possible by Good Gifts has helped Claire to continue her education, to
return to pursue her studies and ultimately to pursue her dream.
'The scholarship connected me with a vibrant and supportive community of fellow pKholars. I have been
anted the privilege of interacting with fellow students and this ha5 enriched my social and intellectual life.
J feel a strong sense of responsibility to make the most out this opportunity I have been given. I want to
honour the faith that SURF has placed in m¢ by excelling academically and giving back to my community."
Claire plans to continue her studies through Pursuing a Master's De￿e¢ in Public Health Policy and
Planning. She is currently working as an office coordinator for one of the health facilities in Kigali.
Foundation RJY4nda Programme
Through funding from Foundation Rwand4 Survivors Fund (SURF) is currently addressing the education
and counselling needs of young people conceived through rape during and under circumstances directly
related to the 1994 genocide committed against Tutsi in Rwanda. The challenge for the affected mothers and
children is that FARG, the government body that assists vulnerable survivors of the genocide, does not
consider these young people eligible for support because they were bom after genocide and thus are not by
definition survivors. However, they are recognised to be a particularly vulnerable and marginalised
population.
Since Foundation Rwanda's inceplion in 2007, Survivors Fund (SURF) has been the key Pa￿er in providing
lifc-changing services to the Foundation Rwanda families, which h&s h¢lped more than 1,700 women and
their offsprin&
Unemployment is at a high rat¢ in Rw8nd4 especially among young peopl¢. Technical and Vocational
Education and Training (TVET) has been a principal solution to address youth unemployment because
graduates with a trade are more easily able to start their own businesses, create job opportunities 8nd sustain
themselves and their families fmancially. In 2022, 80 new youth were supported to access TVET through
funding for relevant courses and pro￿arnMe$.
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Even though Foundation Rwanda have supported many young people to attend TVET courses and over 400
of them have graduated with adequate knowledge and skills. many of those graduate's face unemployment
challenge and do not have the capital to start their own business¢s.
To address this challenge, Foundation Rwanda has set up a Small Business Innovation Fund programme to
provide capital to youth who want to start small businesses. In 2023. 17 youth have been sponsored to start
their own businesses and there is a plan to support more youth in the near future.
The students who have grown into inspiring, hopeful young adults now face the challenge of securing jobs or
attending university while ￿appling with the circumslances of their birth and the legacy of trauma. SURF
remains committed to continue implementing Foundation Rwanda's prO￿aMS with our local partner
organizAtions, Solace Ministries, Kanyarwand4 and AVEGA Agahozn.
u.c
"I grew up living with my mother, who was often sick without knowing the reasons for her chronic disease.
When l tried to ask her about my father, her health status wors¢n¢d significantly. Sometimes she would cry,
become verbally aggressiv¢, or even beat rn¢, which hurt m¢ d¢¢ply.
"I was fortunate to receive support from Foundation Rwanda when I was in Grade 5 of primary school. l am
grateful that, as a child born out of rape without a father to pay my school fees. Foundation Rwanda covered
my primary and secondary education. During this time, I studied Literature, Swahili, and English.
"During my secondary school studies, my mother joined a counselling group and began addressing me in a
non-violent way. As a result, conflicts between us started to reduce. It was during this time that she sal down
with me and told me about the circumstances of my birth; I was born from rape during the 1994 Genocide
against the Tutsi. After I found out, it was hard to accept and live with. Subs¢quently> I started isolating
myself, feeling hopeless, having difficulty sleepin& easily becoming angry, and feeling ashamed of being
born from an unknown criminal, a perpetrator of genocide. He remains unknown because my mother lold me
that she had been raped by many perpetrators and was unable to identify the one responsible. I reached a
point of hating myself. losing the sense of life.
"All of this came to an end, and l accepted whatever happened when I went to a youth camp and met with
other youths with whom I shared a common life story. Then, I realised I was not alone. After ￿aduating
from secondary school, I found myself in the devastating situation of being raped and becoming pregnant.
Cohabiting with the man became necessary so thaL at the very least, my child would know his father and not
be like me.
'[ lived with my husband in a state of conflict and emotional abuse, feeling because I was born from a killer
or perpetrator. This situation worsened when I received a university scholarship because he had not
graduated from school. he wanted to prevent me from pursuing my studies. However, I refused to give up on
my education, and as a result, we separated. l attended university and pursued a degree in hospitalily under a
scholarship from CNLG (the Ministry of National Unity and Civics Engagement), leaving my child with my
mother. I successfully ￿aduated and obiained an Advanced Diplom&
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"After ¢ompleting my university studies, I struggled to find a job. However, due to my responsibilities of
aring for my child and my mother, I decided to work as a housemaid for a Kenyan employer.
Simultaneously, l undertook a one-year short course in driving and mechanics with the support of
Foundation Rwand4 which I consider to be like a faiher figure to me, Now, I hold a Category B driving
licens¢, l am a mother to a 5-yeaT-old boy? and l am employed at a 3-star hotel. My role involves working as
a waitress during the day, and because l also have a driving license, l am able to work as a driver at nighL
transporttng Customers who are unable to drive themselves due to alcohol consumption.
'All of this is possible due to the support of Foundation Rwanda. I live independently, paying rent and
school fees for my child. From the depths of my heart, I want to express my sincere gratitude to Foundation
Rwanda for helping us build our resilience through education, paving the way for a brighter future. Thank
you so much."
Communlty Counselllng Infitlatfive (CCD
Through counselling for women victims of genocide rape, Survivors Fund (SURF) and Foundation Rwanda
have provided counselling in a well-structured peer support approach to over 800 mothers through our
Community Counselling Initiative. Of these, a further 50 received counselling during 2023.
The project includes in-depth monitoring and evaluation, surveying the women before, during and after
working in the counselling groups. This provides the ability to track the changes in their circumstances and
monitor their wellness, whilst also providing feedback to ensure that the counselling groups are having a
positiv¢ impact and ar¢ helpful to the women.
These women, who were previousty marginalised, stigmatised and alone in th¢ir trauma, can build their
¢onfiden¢e and self-esteem, increase their knowledge, enhance POSAtive emotions and reduce shame. The
counselling ￿0up$ also helped to improve relationships with their children and family.
Since 2016, we have extended the approach of group counselling to develop community counselling foT the
children of the women survivors too, as youth born of rape face great challenges related to trauma and social
stigma as well. They are described as carriers of "deviant genes" and are often marginalised in their families
and communities. In instances occurring during wartime, many societies have adopted hateful labels such as
"¢hildren of shame" or "children of bad memory"
Many mothers are starting to speak out against the negative perceptions and stiwa associated with children
of rape and disclosing to their children the circumstances leading to their birth. Many moth¢rs attest that
after disclosure the children now youth, need psychological support.
The youth retreats in 2023 brought together 30 youth to receive group counselling, reproductive health
training and carecr guidancc. This has provided vitsl support and assistance otherwise unavailable to them.
LC*
M.C is a 29-yearvold woman living in Gasabo district. Kigali City. She is the firstborn in a family of 5
Children. She has shar¢d with others during the youlh camp that her recovery journey began with online
counsellin& continued with individua] counsellin& and pro￿esSed through Phases I and Il of the Youth
Camp in 2023.
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She said, "l am the mother of a 7-year-old child. I was legally married, but after 3 year5, 15eparaled from my
husband due to his drunkennes5 and inability to effectively fulfil his family responsibilities as a man. On the
other hand, l used to experience headaches, anger, difficulty sleepin& isolation, and a feeling of being tired
with life, E¢ading to three suicide attempts.
"After the separation, I went back to live wilh my mother and her husband. The situation worsened in our
family, with persistent conflicts often resulting from my anger to the point where blood emerged from my
ears at times. This continued to the extent that I was on the verge of madness, and it was then that I started
calling the SURF/Foundation Rwanda Counsellor who helped me online. Thereafter, I continued to have
individual face-to-face counselling sessions with her. Through her help, I came to realise the causes of the
conflicts and the reasons our marriage failed, which were due to my own wounds, but also because my
husband was carrying wounds as a survivor of the 1994 Genocide against the Tutsi. I was advised that both
my husband and I needed more psychological support. which is why I wa5 referred to a psychialrist. even
though we wer¢ already separated.
'The support I received through individual ¢ounselling enabled me to approach my husband and ask him to
seek medical care for a better life. I attended the Youth Camp after I had 5taTted receiving treatment from a
psychiatrist. Initially, l thought I was lh¢ only one separated from my husband. but I found others with
similar cases,
"Meeting With others who shared similar problems and life experience5 and learning about the roles of each
partner in creating a happy and safe family> helped me accept what had happened and decide to reunite with
my husband once again. My husband appreciated the counselling services I received, which indirectly
affected him. He now sometimes advises his alcoholic friends to seek help from mental health professionals
to prevent the harniful effects of alcohol.
L*gal and Coullselllng Helplllle
TheLe
al and Counsellin i Hel line (Helpline) was established in August 2013 as a partnership between
Survivors Fund (SURF) and AERG to fill the gap in support for young survivors of the genocide against th¢
Tutsi with legal and mental health challenges, and other relaled vulnerable young persons, so that they can
access support regardless of where they ar¢ located in Rwanda. Funding for the Helpline has been
contributed principally by ￿SPIRE!afriCa.
By providing legal and counselling sUPPOrt services countrywide. the Helpline filled a necessary gap in
support for vulnerable young people with outstanding legal disputes or suffering from trauma. This is one of
the only free and accessible services for those unable to afford to take their legal Cases to court or lacking the
confidence or abiEity to find someone to talk to about a mental health issue. In addition to providing
telephone-based support, the helpline also has field staff who conduct outreach and provide support to clients
through legal education and orientation, advocacy and representation in court.
The Helpline was launched with the intention of primarily providing telephone-based support. However, due
to the demand for legal and a counselling support. the helpline has ￿Own from a small pilot telephone-based
service to an innovative, all-encompassing legal and counselling support service, which includes outreach
visits to schools and universities to raise awareness of legal rights. &8 well as the services available through
the helpline, to young p¢opl¢ acros5 Rwanda. Since its13unch in 2013, the service h&5 SUPPOrted over 3,000
young people to reclaim assets with a value of over Rwf I billion (around £750,000).
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Shooling Touch
Shooting Touch, in collaboration with SurvivoT5 Fund (SURF) and Uyisenga n'manzi, is using the power of
sport (basketball) to improve Rwandan individuals, knowledge and management of mental health illn¢sse4
while striving to reduce the existing stigmas. on an individual, family. and community level. around the
understanding and treatment of such illnesses.
Funded by Comic Relief, the three-year projecl, which launched in 2021, will deliver the following:
l. Women. boys. and girls suffering from mental illness(es) report a great¢r awareness of their mental health
status.
2. Increased access to and utili7ation of mental health services for at-risk (defined as an individual with a
mental health concern) women, boys, and girls.
3. Increased knowledge surrounding mental health illnesses, coping strategies, and available services for
staff, participants. families, community members, and health workers,
4. Decreased social stigmas surrounding mental health illnesses and treatment amongst participants, families,
and fellow community mcmbers.
5. Increased sense of self-worth, acceptance, and knowl¢dge lo live healthier and happier lives amongst
at-risk participants.
The project focuses on Kayonza Districl in the Eastern Province of Rwanda. The partnership slrategically
combines sports-based approaches with quality mental health support. It provides mental health education,
physical activity, and expanded access to counselling services. The approach is to move into a new village
ea¢h year, while also sustaining existing participants, enabling us to serve as many as 520 at-rlsk Rwandan
women and youth in each village, engage over 100 healthcare professionals with up to 4 coaches, and
educate approximately 4,000 community members.
Cbantal *
For many years, Chantal's life was very difficult. Employed as a houseworker, Chantal was the sole ¢arner in
her family, whilst also being expected to cook, clean and look after three children. This marital dynamic is
quite common in rural Rwanda. Chantal's husband offered no support at home whilst retaining complete
fmancial control - often spending Chantal's wages without consulting her. To add to these pressures. her
husband's family, who did not approve of their marriage, would opeTJly insult her in the village.
Now, she is a leader with an inspiring message to share. Back then, Chantal was in a lot of pain and unable
to see a way out:
"My husband's family didn't love me. They would call me bad names, whatever they wanted. Even my
neighbours hated me because of them. Because of the way K was treated, I felt helpless."
But then Shooting Touch arrived in Chantal's village. It uses the power of sport to help whole communities
tackle the effects of povety. health and gender inequ￿lty. A basketball court was set up and Chanlal, excited
to play* signed up immediately - continuing ¢v¢n as some people harassed her for it.
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Over the course of the programme, Chantal learnt about her rights as a woman, and about how gender norn]s
were negatively impacting the community. Finding her voice, Chantal decided to speak up for herself and
challenged her husband's behaviour. "I went home and I asked my husband 'Why don't you help? I'm tired. I
do everirthing. If you don't help me, I will go., He listened., Although resistant at first, Chantal's husband
began to appreciate what she was saying. And one day she came home from work to find a clean hom¢ and a
cooked dinner. Long-terni, their partnership has now improved significantly, and the pair have expanded
theAr fanning business, benefitin8 the enlire farnily.
Chantal h&s gone from slrength to strength and was recently elected to be a Community Health Worker for
the village. Her role includes distributing mosquito nets, educating others about health and working with
children under five. She also played a huge role during the Covid-19 pandemic. informing her community
about the virus and administering the vaccine.
"I was elect¢d to b¢ a Gommunity health Worker. They saw that I have potential., Chantal is now more
motivated than ever and describes her family as happy and thriving. "My plan is to work hard for my family
and for my children to study well and make a livin& and for me to move forward. I want to keep movin8
forward every day."
'The message I would give to other women is that they should be bold.,
Reacbing RwAnda
Sandhurst School has been running its ground-breaking Reaching Rwanda project in partnership with
Survivors Fund (SURF) since 2008. Pioneered by the Sandhurst School Deputy Head Samantha Hunt, who is
also Chair of SURF, the Reaching Rwanda project has worked extensively in Rwanda by linking UK school
students with sU￿1VOrS.
The proje¢t has three main aims:
To inforni students about the Genocide against th¢ Tutsi in Rwanda and of the continued plight of
survivors today.
To COTfftect student5 With genocide survivor5 and enable them to become friends.
To enable smdents to become actively involved in improving the life chances of genocide survivors and to
see the dlfference their efforts make.
The young people of Sandhurst School are highly engaged in supporting survivors of the 1994 Rwandan
genocide thanks to the efforts of Samantha and its dedicated teachers.
Sandhurst School Sixth Form students and local community volunteers have made eight visits to Rwanda
through the project. An enduring relationship for survivors and the school is now in place with regular skype
calls between the students and the survivors. Studenls have been so moved through their exp¢ri¢n¢¢ and have
supported the project raising approaching £300.000 for genocide orphans.
Devoted to improving education and livelihoods across Rwanda the project has in particular supported
Ntsrama Survivors Village, in Bugeser4 Eastern Province.
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Acbievement and performance
In July 2023, the 8th Reaching Rwanda visjt arrived in Kigali. SURF Chair. Sam Hunt MBE, who developed
the educational prO￿amMe and led the first visit in 2010 in her professional role as Deputy Headteacher of
Sandhurst School, w&$ accompanied by I I supporters from the UK and the USA who have long-supported
SURF and the Reaching Rwanda project.
Each person brought with them gifts donated by themselves and well-wishers, including toys, educational
materials, and toiletries which were dislributed to hundreds of children that the project supports. As well, the
group visited Philly's Place. a unique children's Cenlre which opened in 2020 through the funding and
support of donors to Reaching Rwanda, The Centre is equipp¢d with 2.5 tonnes of the best educational
equipment from the United Kingdom, including 4,300 books, donated through the Reaching Rwanda project.
It is currently operating from temporary rented premises in Nyamats whilst awaiting completion of ihe
construction of the pernianent site in Ntarama.
Philly's Place offers free tuition in Kinyarwanda, English, maths and science, technology, art, music, dram
sport and dance, as well as teaching valuabl¢ skills lik¢ sewin& knitting and bead¢Taft to approximately 600
local children of all ages. The aim is to provide fun, leaTning experience5 for children in th¢ Bug¢s¢ra ar¢a in
after school prO￿ammeS as well as every Saturday and throughout school holidays in order to support
children's learning by providing excitin& enriching experiences to children of all ages. All services are
provided to the children free of charge. The Centre is over run every week and As becoming an important
community hub.
Work is underway to complete th¢ Construction of a new pennanent centre for Philly's Place. which
hopefully will be open by 2025.
Edueatlon
Education is a fundamental right that enables people to break the cycle of deprivation and poverty. Survivors
Fund (SURF) sUPPOrts acces5 lo university education to 5 students. and funding for school materials for a
further 40 student5, being brought up by genocide widows through funding by lNSPIRE!africa and the
Reaching Rwanda project. In addition, through funding principally from Foundation Rwanda we are
providing 87 young people with acces5 to Technical and Vocational Education and Training (TVET). Thxs
relieves the burden of widows. who struggle to bring up and provide financial support to the young people in
their care. Also, many young heads-of-households have dropped out of school to look after their younger
siblings and w¢ give them a chance to attend school.
Many students have no school or university materials, most of them have to wall( long distances to attend
their places of study, sometimes hungry because they cannot afford rent near university and meajs. It is
important to provide allowances for transport and meals for such students. Education remains the most
important route out of poverty. Foundation Rwanda is providing support for accommodation and meals to 10
stud¢nts in need.
Shelter
A home is a safe place to b¢ for most peopl¢. Many survivors lost their homes during the genocide, many
received houses from government and NGOS after the genocide. Nearly 30 years after the genocide, many of
the houses are now dilapidated and in dire need of renovation.
Page 20

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2023
STRATEGIC REPORT
Acbievement and perform2nte
In order to rebuild a sense of dignily and to provide a peaceful environment that enable5 survivors to deal
with their day-to-day needs, during the year Survivors Fund (SURF) Tenovated 2 houses for widows and
youth-headed households with support from INSPIRE!africa and Foundation Rwanda.
Group Analy$is Tralnlng
Over the ¢ourse of 2022, a group of professional counsellors in Rwanda had the opportunity to participate in
a special international course delivered by the Institute of Group Analysis (IGA). Convened by Anne
Morgan, with the support of Justin Phipps, MJ Maher, Krisna Cat5aras and Frederic Brooks, all of whom are
experienced Group Analysts, the course has developed the skills and capacity of the local counsellors to us¢
group analysis in their mental health interventions.
The participants ar¢ all mental health professionals from 9 different organisations including ARCT-Ruhuk
Sociotherapy and SURF'S local partner organisation, AVEGA Agahozo. The training will help the
participants to use groups to help people with mental health and emotional concerns across different parts of
the country where these organisations are operating. Participants are now able to:
- Re¢ognise the effect of group dynamics upon self and others
Have increased self-awareness and self-reflexivity
- Understand group dynamics from a Group Analytic perspective
Recognise how group dynamics relate to the context of the setting
Recognise and use theoretical language and concepts specific to Group Analysi5
- Understand the meaning of fundamental Group AnaJyli¢ tern]
- Understand psychoanalytic theory in relation to group development
Understand how context impacts upon group dynamics in clinical and organisational settings
Link Group Analytic theory with practice
Group Analysis is a powerful therapeutic medium that fo¢us¢s on the relationship between th¢ individual and
the group, emphasising the essentially social nature of the human experience. As a method of treatment,
group analysis offers an approach that recognizes how emotional, behavioural and psychological phenomena
emerge in the context of our social groups. Carefully constituted analytic groups have a long record of
helping people with personal problems and in promoting personal development,
The for ￿p￿rt in Rwand
Ic
is ￿eat as a result of the genocide and yet there is a limited
number of qualified and experienced psychologists. This training has enabled the counsellors to acquire
skills that will improve their mental healih support services to the people of Rwanda. and in particular
survivors of the genocide.
This is one of a number of courses that the IGA has delivered in Rwanda since our partnership began in
November 2014 after it was identified that psychologists and professionals workRnE in mental health would
benefit from training in therapeutic groups. To date, 73 participants have completed the IGA Foundation
Cours¢, of which 20 have subsequently completed the Intennediate Course and 4 are doing the qualify
cours¢.
Page 21

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2023
STRATEGIC REPORT
Financial review
Summary
Despite the continuing challenges of fundraisin& 2023 proved the financial Tesilien¢e of Survivors Fund
(SURF), as we ensured to control our expenditure in light of falling income, whilst stilE delivering the same
level of support through our network of local survivor's organisations with which we partner.
In¢ome
Our income in 2023 was £535.742. The major sources of income were:
0 £45,899 from the Charities Advisory Trusl, through its Good Gifts Catalogue, which has proved critical in
providing livelihood projects and scholarships in Rwanda.
0 £221,198 from Clifford Chance for our Counselling Enhanced Reach Project (CERP 111) and Youth
Economic Empowem]ent Project (YEEP), which supported phone-based counselling for vulnerable
survivors across Rwand& as well as employment and entrepreneurial opportunities for young survivors.
0 £33,952 from Foundation Rwanda for our education programme supporting young people born of g¢nocide
rape, as well as community counselling and youth camp5.
£30,759 from INSPIRE!africa for our Youth Entrepreneurship Training PrO￿arnMe, Legal and
Counselling Helpline &5 well as various educational and sheller projects for survivors.
0 £46.004 from Network for Africa for our Young Survivors Counselling Programme as well as a new cohort
for our Youth Entrepreneurship Training Programme (YETP).
0 £36,426 from Shooting Touch through funding from Comic Relief to support the mental health through
sports project in Kayonze District.
0 £3,000 from the Southall Trust to fund the Sustaining ihe Empowemient of Vulnerable Genocide Widows
in Western Rwanda to Alleviate Extreme Poverty (SEVWEP).
Expendlture
We maintained our expenditure on key projects proportionate to the income received for them, as well as
controlled our expenditure on our core costs to £98,411. This in part was due to continuing strong exchange
rate gains which we accrued over the year.
FuDdrai$ing Effe¢tivene*J
We do not have any fundraising spend, as we undertake no marketin& paid-for advertising or direct mail.
This is quite exceptional for a charity thal generates over £500,000 in in¢ome. Though we do receive a
Google Grant. which provides us with free adv¢rtising on Google with an equivalent monetary value of $866
in 2023.
Financial Foreeast
The year ahead 15 promising to be equivalent to the past eyar for SURF. We begin the year again with a very
low-cost b&se, and good reserves. We will continue to receive funding from major donors over the year
ahead: Charities Advisory Trust, Clifford Chan¢e. Foundation Rwand4 INSPlRE!africa and Network for
Africa. In addition. we have been awarded a BBC Radio 4 Appeal which will generate extra funds.
Future Income
We had secured approximately £265,000 of income at the start of the year, including £150,000 from Clifford
Chance, £25,000 from Foundation Rwand4 £30,000 from tNSPIRE!afri¢a, £30,000 from Ndwork for
Afric4 and £30,000 from an anonymous trust.
Page 22

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2023
STRATEGIC REPORT
We continue to seek to identify independently additional funding opportunities with trusts and foundations
in the UK, and in the USA in partnership with Foundation Rwanda. Continued emphasis will be placed on
supporting our partner organisations to develop and secure funding for projects directly, which will result in
less income being channelled through SURF over time.
Future Expenditure
We are committed to keeping our costs as low &8 possible in and outside of Rwanda in 2024. SURF now
only retains a part-time consultant in Ihe UK, with no overheads. We have no plans to recruit any more staff
in the UK, and the number of staff in Rwanda will be directly related to project funding.
Following a salary review of staff in Rwanda, we awarded an increase of 5 % for Staff, around the level of
inflation in Rwanda, in January and June 2023.
We plan to ¢ontinue to maintain the level of grant expenditure in 2024 as our income allows, ensuring that
w¢ ty to maintain a small surplus despite the challenging financtal environment.
Reserves pollcy
The policy agreed by the trustees is that the minimum amount to be held as reserve is now sel at 5 month's
operating expenditure. By the end of 2023, our reserves amounted to £79.351, of which £25,652 was
designated as free reserves (equivalent to three month's operating expenditure, which has been built back up
above the five month level of free reserves with income s¢¢ured in the first quarter of 2024).
Page 23

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2023
STRATEGIC REPORT
FUTURE PLANS
Every three years, the partners, trustees and Staff of Survivors Fund (SURF) undertake a review of our work
to date, and develop a slrategic plan for our work ahead. We dis¢uss what are the priorities for survivors now
and likely in the three-year period ahead, and what resources we have as an organisation to help address
them.
Our Strategic Plan accounts for the emerging changes affecting survivors of the genocide against the Tutsi in
Rwand￿ and the changing environment in which SURF works. We developed a new five-year Strategic Plan
at the end of 2023 which sets out the aims, targets and actions for SURF and its parlners work from 2024 to
2028. and which forn) the basis for operational priorities. It explains how SURF intends to assist partners to
achieve their own plans and priorities.
It sets out a demanding but exciting agenda of support to our partners. It will d¢liver greater impact for those
we are seeking to help. By balancing our programmes, advo¢a¢y work and capacity building with our
fundraisin& monitoring and evaluation we will in¢r¢as¢ our reach and build greater support for our work.
The Strategic Plan will be continuously monitored to inforni the future direction and development of
Survivors Fund (SURF).
Our key themes and targets for 2024 - 2028 are:
Direct support for rehabilitation
Secure sustainabl¢ livelihoods for survivors and related vulnerable persons through a focus on income
generating activilies, entrepreneurship and employment.
Improve the well-being and resilience of survivors and related vulnerabl¢ groups through a focus on
mental health provision. physical health inforniation and commetnoralion.
Reduce the vulnerability of survivors and related vulnerable perJons through a focus on decent housing,
food security, renewable energy sources and elderly care.
OrgaDlY4tional Support for regeneratlon
- Empower survivor organisations in Rwanda to advocate for justice and security for survivors and related
vulnerable persons.
- Enable survivor organisations in Rwanda to be more sustainable over the long-tern].
We look forward to reporting on our progress ahead.
STRucfuRE, GOVERNANCE AF4D MANAGEMENT
Governing dorumenl
The charity is controlled by its govcrning documenL a deed of trust, and ¢onstitutes a limited wmpany.
limited by guarantee. as defmed by the Companies Act 2006.
Page 24

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2023
STRucfuRE, GOVERNANCE AND MANAGEMENT
HOW SURF IS RUN
Survivors Fund (SURF) is a charitable company• registered in England and Wales with both the Charity
Commission {1065705) and Companies House (04311565).
This stTUCture, which is used by many charilies, allows us to have all the advantages of charitable status, and
simultaneously to limit the trustees, liability through the company's 'limited' status. As a charity and a
company limited by guarantee, Survivors Fund (SURF) h&$ no Share capital and therefore cannol be owned
by anyone.
The charily is governed by its Memorandum and Articles of Association, dated 30 July 1997. SURF is
headed by a Board of Trustees. For company-law purpose4 the trustees are also the directors of Survivors
Fund (SURF) Ltd.
Day-lo￿aY managernent of the organisation is undertaken by the Chief Executive in Rwanda.
THE BOARD OF TRUSTEES
The Board of Trustees has authority over and responsibility for the organisation and acts as its legal
guarantors. The effectiv¢ involvement of the Board of Trustees is considered crucial to the success of SURF
and is dependent on shared goals. the development of sound and creative working practices and significant
time commitments.
The Board meets ai least four times a year. to asses5 the charity's progress since the previous meeting, and to
set milestones to be achieved by the next meeting. The Chief Executive attends each Board meeting either in
person, or virtually from Rwanda, and provides an update to the Trustees on the Charity's progress and assists
in the setting of goals. Trustees also provide valuable assistance to th¢ Chief Executive and other members
of staff when necessary.
TRUSTEE ELECTION. INDUCTION AND R￿ELECTIONs
Trustees ar¢ elected at the Annual General Meeting (AGM) by the members of Survivor5 Fund (SURF). Th¢
members include all the trustees. In b¢tw¢en AGMS, Trustees may be appointed temporarily by the general
agreement of the existing trustees. However, such appointh]ents are only valid until the next AGM.
After appointment, Trustees are presented with a copy of our most recent annual report: the charity's
governing documents, and the minutes of the two most recent Board meetings. They are also &sked to study
the principles of the Charity Commission's Essential Trustee booklet and are invited to speak with the Chief
Executive and Chair to discuss the charity's position and operation.
At every AGM, one-third of the Board of Trustees is required to resign, though they can then be re*lected
for a further three-year tern). There are no tenn limits, with the orggnisation recognising the value of
institutional knowledge held by long-serving trustees.
Page 25

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2023
STRUCTURE, GOVERNANCE AND MANAGEMENT
CURRENT TRUSTEES
Eight trustees served the entire year. They are:
Sam Hunt MBE (Chair) - Sam is Deputy Headteacher at Sandhurst School. She is a winner of the Secondary
School Teacher of the Year award, the Anne Frank Award for Inspirational Educator of the Year and has
been reCO￿lSed as a Sue Ryder "Woman of Achievement" the "Pride of Bracknell" and an honorary fellow
of the University of Winchester. She is a volunteer educator for the Holocaust Educational Trust and an
academic advisor for Remembering Srebrenica. She has been a truste¢ since 2008. elected as Chair in 2013,
and was awarded an MBE in 2020 in recognition of her voluntsry work with SURF.
Josephine Uwamariya (Vice-chair) - Josephine served as County Director of ActionAid International
Rwanda from 2010. before retiring in 2022. She is a social worker by profession and has an MBA from the
M&2stricht School of Management, specialising in Project Management.
David Chaney (Vi¢e-Chair) - David owns and runs a full-service public accounting practice, representing
over 200 clients including a number of charities. He regularly visits Rwanda and has worked to strengthen
the financial management of SURF partners. He lives in Houston, Texas.
Adrian Veale (Treasurer) - Adrian is an accountant and has worked in the field for over 30 years. He also has
experience as an auditor of charitable organisation5. He has supported th¢ work of Survivors Fund (SURF)
since 2011 through volunteering with Project Umubano.
Jeanette Kagabo - Jeanette has been a trustee since 2004. She is a survivor of th¢ genocide and moved to the
IJK in 2002. She is an advocate for the cause of survivors. speaking at an array of national and regional
events since 2003.
Will Goodhand - Will is Chief Innovation Officer and Founder at Goodmore Global, an int¢rnational
research agency. He was a Conservative Party Parliamentary Candidate in 2015 and has support¢d the work
of Survivors Fund (SURF) since 2009 through numerous visits with Project Umubano.
Samantha Lakin - Samantha is an advanced PhD student at The Strassler Cent¢r for Holocaust and Genocide
Studies, Clark University and a Graduate Research Fellow at Harvard Law School. She was fornierly a
Fulbrighl Scholar in Rwanda. Her research focuses on human security in post-conflict societies,
memoriali7Ation prYÉCtices initiated by states and survivors.
Philomene Uwamaliya - Philomene has been a registered nurse since 2006 and specialises in mental health
nursing for those with complex problems, refugees and &8ylum seekers. She is a Senior Lecturer in Mental
Health Nursing at John Moores University in Liverpool.
After serving ten years on the board. Alphonsine Kabagabo retired as a trustee at our September AGM.
Alphonsine served a number of years as our Vice-chair and continues to advocate for the cause of survivors.
We thank h¢r dearly for her dedication and commitment over that time.
After serving for more than 15 years, Liliane Umubyeyi also retired as a trustee in 2023. Liliane served a
number of years also as our Vice-chair and continues to champion the work of SURF. We also thank her for
all the tireless work she has undertak¢n to assisl SURF over the years.
In 2024, w¢ have welcomed to the board four new member5:
Page 26

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2023
STRucfuRE, GOVERNANCE AND IVIANAGEMENT
Pam Goddard - Pam is a Citizcn's AdviseT, a CoTnmunity first Rcsponder, a voluntary driver/tre&8urer for
Good Neighbours and a volunteer for Debra. the buttertly skin charity. She last visited Rwanda in 2023 and
is an active supporter of Philly's Place.
Norn)a Hewins - Nornia is currently a Head TeacheT (NPQHT) of a primary school in North London. She
be¢n the head foT 10 years at her current school and has been in education foT over 30 years in lotal. She
last visited Rwanda in 2023 and is an active supporter of Philly's Place.
Jean Bosco Ngabonzima- Bosco is a forn)er Chair of the West Midlands Rwandese Community Association
and a long-terni champion and spokesperson for the cause of survivors of the Genocide againsi the Tutsi in
Rwanda.
Stephanie Kayirangwa - Stephanie is a fonner Chair of the Rwandan Community Portsmouth and Advisor to
the National Association for Rwandese Communities in the UK (NARC-UK). She speaks to raise awareness
of the situation of survivors of the Genocide againsi ihe Tutsi in Rwanda.
VOLUIYTEERS AND KEY SUPPORTERS
Our work is helped by the Contribution of many indAvidual volunteers, who mak¢ up the SURF Projects
Team. Their work is vital in extending the reach of SURF.
We would like to record special mention of SURF Chair, Sam Hunt MBE, who works lirelessly to help
SURF raise funds through the Reaching Rwanda project which she established to raise funds through schools
and community groups. As well as Dr Noam Schimmel, who works tirelessly to advocate for the cause of
survivors, in particular through his academic research, publications and teaching.
We also want to thank Joy Childs for her unstinting support of Survivors Fund (SURF) and the funding that
she has raised through teaching art and organising fundraising events among her network, and Kathy
Shanklin and Rebecca Tinsley who support many students and vulnerable survivors in Rwanda.
PARTNERS
SURF is fortunate to have a number of partners that support our work and make it possible both in the UK
and Rwanda.
Our work is supported by an array of funders whose support is invaluable. In 2023 our funders included the
Charitie5 Advisory Trust, Clifford Chance, Foundation Rwand￿ INSPIRE!africa, Network for Afric
Shooting Touch and the Southall Trust. We would like also to thank an array of anonymous donors.
SURF h&8 received guidance and advice from individuals and 0rgantsatio￿S too numerous to mention, but we
would like to acknowledge the contribution of them all.
SURF has worked with the following survivors, organisations in Rwanda during 2023:
AVEGA A
hozo - Association of Widows of the Genocide | ￿AER - Survivors, Association of Sludents
and Pupils | GAERG - Survivors, Association of Graduate Students | La N'manzi - Association of
Isen
HIV+ Orphan-headed Households | Solace Ministries
Christian Association of Genocid¢ Survivors |
Kan
arwanda - Genocide Survivors Association defending human rights
Page 27

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR KNDED 31 DECEMBER 2023
STRUCTURE, GOVERNAI¥4CE AND MANACEMENT
STAFF
The CEO of Survivors Fund (SURF), Samuej Munderere, is th¢ primary point of contact between the
tn￿tee5 of SURF, and the SURF team in Rwanda, as well as with the partner organisations and donors. Sam
directs and coordinates all activities of SURF supported by David Russell, who serves as the UK
Coordinator and Company Secretary. Sam is supported in Rwanda by a core team which includes Emilienne
Kambibi, Raban Havugimana and Vincent Nyauma, with advisory from Dr Jemma Hogwood, all of which
play Vit￿ roles in ensuring our work progresses as well as it has done to date.
Samuel Munderere, CEO - Sam h&$ worked with SURF since 2004, and has experience in managing
counselling and education projects. helping to set up our Foundation Rwanda project in 2008. Sam holds a
MA in International Development Management from the University of Westminster and a BA degree in
Social Worker and Social Administration frorn Bugema Universily, and a Msc in Global Mental Health from
Kings College London and the London School of Hygiene & Tropical Medicine,
Emilienne Kambibi, Senior Key Worker - Emilienne is a trained counsellor and social worker and has led
our Community Counselling Initiative to support women survivors with children born of rape since 2011.
She has a PGCert in counselling from the College of Medicine and Health Sciences and a BA in Sociology.
Before joining SURF, she worked with AVEGA Agahozo and African Rights.
Raban Havugimana, l¥ogramm¢ Manager
Raban joined SURF in 2012 and helped lo set up our
entrepreneurship projects with AERCT, wher¢ h¢ was fornierly a member, and helps to lead on the monitoring
and evaluation of our livelihood development programmes. He has an MA in Development Studies from
Mount Kenya University.
Vincent Nyauma, Accountant - Vincent joined SURF in 2009 to manage our accounts and supervises the
audit of the financial reporting of partner's programmes funded through SURF. He is a Certified Public
Accountant in Rwanda and Kenya, He holds degrees from UNISA. Strathmore and Moi Universities.
Dr Jemma Hogwood, Clinical Psychologist Advisor - Jemma has a Doctorate in Clini¢al Psychology from
University College London and is registered to practice as a Clinical Psychologist in th¢ UK and Rwanda.
She has been Working with SURF since 2010, helping to set up many of our counselling proj¢¢ts, and
continues to provide supervision to our counsellors on a consultancy basis.
The office team in Rwanda is supported by the following staff:
- Claudine Mukakalisa, Office Assistant
- Gilbert Dusabirnana, Security Guard
In the UK. our office is managed by:
David Russell, UK Coordinator - David has been working with SURF since 2004, first as a consultant, and
then served as the CEO from 2009 to 2013. He continues to help manage the finances and as Company
Secretary also the governance of the organisation, supporting the team in Rwanda on communications and
programme development. He has an MA from New York University and Cambridge University.
Our team is supported internationally by Liam Dempsey of Ibdesign (online) and Drew Sutton and Rachel
Collingwood of eco2 (film and photography), and we are that￿1 for their continuing support.
Page 28

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2023
STRUCTURE, COVERNANCE AND MANAGEMENT
Risk maDagemeDt
We have ¢xamined the major risks to which the charity is exposed and review them at each Board meetin
Systems and procedures have been put in place to manage those risks.
The Risk Register is maintained by the Chief Executive and UK Coordinator, under the supervision of the
Board. Below is an overview of the major financial and operational risks we were facing at the time of our
most recent board meeting (March 2024).
elof
Impact Likelihoo
Ctttegory
Risk Title
(1-5)
d(1-5)
Potentlal Impact
Steps to mfitlgate rtsk
External
Climactic
risks
Events such as
Ensure that the risks are
hea￿ rains,
id¢ntifi¢d, and where
volocanic
urgently required advocacy
eruptions in
is undertaken with
Rubavu and
stakeholders who could
earthquakes could potentially address them.
have a major
impact on housing
of beneficiaries.
Financial
Inflation in
Rwanda
Some costs on
Continue to monilor and
fixed budgets will
increase projected Costs in
increase (such as
new budgets. Monitor fix¢d
transport and
budgets to ensur¢ that we
food) and thus will have additional funding to
require additional
maintain activities as
Contribution to
planned.
Cover - unless
grants increase.
Operational Loss of key
staff
Potential threat to
delivery of
projects beuuse
of a deficit of
institutional
knowledge
Ensure that staff are
properly supported, and that
there are sufficient
development opportunities.
Ensure that there are
appropriate ¢onsullants to
add support if and when
necessary.
Page 29

SURVIVORS FUIW {SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2023
STRUCTURE, GOVERNANCE AND MANAGEMENT
Operational Safeguarding
Harn) to
beneficiaries and
reputational
damage to SURF
Ensure thal our
safeguarding policies are
included in our partner
reporting requircm¢nts and
that beneficiaries know
about whistle blowing
policies so that they know
who they can report abuse
to.
External
RwandalDR
C conflict
Fear among
survivors of
Interahamwe from
DRC killing
op1¢ especially
those in Gisenyi
and Musanze near
the Goma border
post.
Work with survivors,
organisations to extend our
mental health work in the
districts near the border
with DRC.
External
Genocidal
Ideology/
Denial
Potential threat to
vulnerable
survivors, in
particular from
released
perpetrators.
Downplaying the
importance of the
Genocide against
the Tutsi.
Monitor the situation, and
where required advocale to
the Government of Rwanda
to take action (through
Ibuka).
Financial
Lack of
fundlng
opportunities
Lo&$ of income
Regularly review
and ability to
programmes to ensure
support area/are&s
they're relevant to current
of work which
donor focus while
particularly may
mitigating against "mission
result as a result of drift keep abreast of donor
the reduction of
and development trends:
UK Aid Budget
include full cost recovery
budgets when opportunilies
do arise.
Page 30

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2023
STRUCTURE, GOVERTrIANCE AND MANAGEMEIYT
REFERENCE AND ADMINISTRATIVE DETAILS
Registered Company number
03411565 (England and Wales)
Registered Charity number
1065705
Registered offi¢e
4 Heathfield Road
Bushey
WD23 2LJ
Trustees
Sam Hunt MBE (Chair)
Josephine Uwamariya (Vice•Chair)
David Chaney (ViceQhair)
Adrian Veale (Treasurer)
Alphonsine Kabagabo - Resigned on 24th Sept 2023
Liliane Umubyeyi - Resigned on 26th April 2023
Jeanette Kagabo
Will Goodhand
Samantha Lakin
Philomene Uwamaliya
Noma Hewins - Appointed 22nd January 2024
Pam Goddard - Appointed 22nd January 2024
Stephanle Kayirangwa- Appointed 22nd June 2024
Jean Bos¢o Ngabonzima - Appoint¢d 22nd June 2024
Company Secretary
David Russell
Chlef Executlye
Samuel Munderere
Founder
Mary Kayitesi Blewitt OBE
Bankers
Co-operative Bank
l Balloon Street
Manchester M60 4EP
Page 31

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR EISDED 31 DECEMBER 2023
REFERENCE AND ADMINISTRATJVE DETAILS
Auditors
Prestons & Jacksons Partnership LLP
ststutory Auditors
364 - 368 Cranbrook Road
Ilford
Essex
IG2 6HY
STATEMENT OF TRUSTEES, RESPONSIBILITIES
The trustees (who are also the directors of Survivors Fund (SURF) for the purposes of company law) are
responsible for Preparing the Annual Report and the financial statements in accordance with applicable law
and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice)
including Financial Reporting Standard 102 "The Financial Reporting Standard applicable in the UK and
Republic of Ireland
Company law requires the trustees to prepare financial statements for each financial year which give a true
and fair view of the state of affairs of the charitable ¢ompany and of the incorning resources and application
of resour¢es. including the income and expenditure, of the charitable company for that period. In preparing
those financial statements, the trustees are required to
select suitable accounting policies and then apply them consistentlyi
observe the method5 and principles in the Charity SORP;
make judgements and estimates that are reasonable and prudent;
state whether applicable accounting standards have been followed, subject to any material departure5
disclosed and explained in the financial statements.
prepare the financial statements on the going con¢ern basis unless it is inappropriate to presume that the
charitable company will continue in business.
The trustees are responsible for keeping proper accounting records which disclose with reasonable ￿¢Ur&CY
at any titne the financial position of the charitable company and to enable them to ensure that the financial
statements comply with the Companies Act 2006. They are also responsible for safeguarding the assets of
the charitable company and hence for taking reasonable steps for ihe prevention and detection of fraud and
other irregularities.
In so far as the tnistees are aware..
there is no relevant audit infomation of which the charitable company's auditors are unaware. and
the trustees have taken all steps that they ought to have taken to make themselves aware of any relevant
audit inforniation and to establish that the audilors are aware of that inforniation.
AUDITORS
The auditors, Prestons & Jacksons Partnership LLP. will be proposed for re-appointment at the forthcoming
Annual General Meeting.
Page 32

SURVIVORS FUND (SURF)
REPORT OF THE TRUSTEES
FOR THE YEAR ENDED 31 DECEMBER 2023
Report of the truslees, incorporating a stralegic T¢pofL approved by order of th¢ board of inJste¢s. a5 the
company directors, on l.k..ks¢.knl.*V ..￿.￿+. and signed on the board's behalf by:
Trustee
kWJ
5YaHfifiJTrtA HKJ
Difoc&rg
Page 33

REPORT OF THE INDEPEIYDENT AUDITORS TO THE TRUSTEES OF
SURVIVORS FUND (SURF)
Oplnlon
We have audited the flnancial statements of Survivors Fund (SURF) (the '¢haritable company) for the year
ended 31 December 2023 which comprise the Statement of Financial A￿1VItieS. the Statement of Financial
Position. the Statement of Cash Flows and notes lo the financial statements, including a summary of
significant accounting ￿?]IcIes. The financial Teporting framework that has been applied in their preparation
is applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted
Accounting Practice), including Financial Reporting Standard 102 The Financial Reporting Standard
applicabl¢ in the UK and Republic of Ireland,.
In our opinion the financial ststements:
give a true and fair view of the state of the charitable cOmpan￿S affairs as at 31 December 2023 and of its
incoming resources and application of resources. including its income and expenditure, for the year then
have been properly prepared in accordance with United Kingdom Generally Accepted Accounting
Practice, including Financial Reporting Slandard 102 'The Financial Reporting Standard applicable in the
UK and Republic of Ireland,; and
have been prepared in accordance with the requirements of the Companies A¢1 2006.
Basfis for oplDlon
We conducted our audit in accordance with International Standards on Auditing (UK) (ISAS (UK)) and
applicable law. Our r¢sponsibilities under those standards are further described in the Auditors,
responsibilities for the audil of the financial statements section of our report. We are independent of the
charitable Company in a¢¢ordance with the ethical requirernents that are relevant to our audit of the financial
statsments in the UK, including the FRC'S Ethical Standard, and we have fulfilled our other ethical
responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained
is sufficient and appropriate to provide a basis for our opinion.
Conclu8lon• relating to golng CODcern
In auditing the financial statemenls, we have concluded that the trustees, use of the going concern basis of
accounting in the preparation of the financial slatements is appropriate.
Based on the work we have perfomed, we have not identified any material uncertainties relating to evenls or
conditions that, individually or ¢ollectively> May cast significant doubt on the charitable company's ability to
continue as a going concern for a period of at least tw¢lve m4)nths from when the financial stat¢m¢nts are
authorised for issue.
Our responsibilities and the responsibilities of the trustees with respect to going concern are described in the
relevant sections of this report.
Olber IDform4tion
Th¢ trustees are Tesponsible for the other infonnation. The other infonnation comprises the inforniation
included in the Annual Report, oiher than the fjnanctal statements and our R¢port of the Independent
Auditors thereon.
Our opinion on the financial statements does not cover the other inforn)ation and, except to the exlent
otherwise explicitly stated in our reporL we do nol express any forni of assurance conclusion thereon.
In connection with our audit of the financial statements, our responsibility is to read the other inforn)ation
and. in doing so, consider whether the other infornlation is materially inronsistent with the financial
statements or our knowledge obtained in the audit or otherwise appears to be materially misstated. If we
identify such material inconsistenci¢s or apparent material misstatements, we are r¢quired to detern)in¢
wh¢theT this gives rise to a material misstatement in the financial statements therns¢lves. If, b&scd on the
work we have perfonned, we conclude that there is a material misslatement of this other inforn]ation, we are
required to report that fact. We have nothing to report in this regard.
Page 34

REPORT OF THE INDEPENDENT AUDITORS TO THE TRUSTEES OF
SURVIVORS FUND (SURF)
Use of our report
This report is made solely to the charitable company's trustees, as a body, in accordance with Part 4 of the
Charities (Accounts and Reports) Regulalions 2008. Our audit work has been undertaken so that we might
state to the charitable company's trustees those matters we are required to state to them in an auditor5, report
and for no other purpose. To the fullest extent perniitted by law, we do not accept or assume responsibility to
anyone other than the charitable company and the charitable company's trustees a5 a body> for our audit
work, for this report, or for the opinions we have fornied.
for and on behalf of Prestons & Jacksons Partnership LLP
Statutory Auditors
Eligible to act as an auditor in ternis of Section 1212 of the CL)mpanies Act 2006
364 - 368 Cranbrook Road
Ilford
Essex
IG2 6HY
Dat¢: .....
Page 36

REPORT OF THE INDEPENDENf AUDITORS TO THE TRUSTEES OF
SURVIVORS FUND (SURF)
Matters on which we are required to report by exeeption
We have nothing to report in respcct of the following matters where the Charities (Accounts and Reports)
Regulations 2008 requI￿S us to report to you if, in our opinion:
the Inforn￿tiOn given in the Report of the Trustecs is inconsistent in any material respect with the
financial statements; or
the charitable company has not kept adequate accounting records. or
the financial statements are not in agreement with the accounling records and returns. OT
we have not received all the infonnation and explanations we require for OUT audit,
The Trustees were not entitled to prepare the financial statements in accordance with the small companies
regime and take advantage of the small companies, exemptions in preparing the trustees, report from the
requirement to prepare a strategic report.
Re8ponsfibilitie8 of truytees
As explained more fully in the Statement of Trustees, Responsibilities, the trustees (who are also the
directors of the charitable company for the Purposes of company law) are responsible for the preparation of
the financial statements and for being satisfied that Ihey give a true and fair view, and for such internal
control as the trustees detcrn]ine is necessary to enable the preparation of financial Statements that are free
from material misstatement, whether due to fraud OT e￿Or.
In preparing the financial statements, the trustees are responsible for a55e5sing the charitable company's
ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using
the going concern basis of accounting unless the trustees either intend to liquidate the charitable company or
to cease operations. OT have no realistic alternative but to do so.
Our responsibilitles for tbe audit of the finanei%l statements
We have been appointed as auditors under Section 144 of the Charities Act 201 l and report in accordance
with the Act and relevant regulations mad¢ or having effect thereunder.
Our objectives are to obtain reasonable assurance about whether th¢ financial statements as a whole are free
from material misstatement, whether due to fraud or error, and to issue a Report of the Independent Auditors
that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an
audit conducted in accordance with ISAS (UK} will always detect a material misstatement when it exists.
Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate,
they could reasonably be expected to influence the economic decisions of user5 taken on the basis of these
financial statements.
The extent to which our procedures are capable of detecling irregularilies, including fraud 15 detailed below:
We obtsined an understanding of the legal and regulatory framework applicable to the entity and how the
entity is complying with that framework by discussing with management and checking compliance with
regulators.
A further dcscription of our responsibilities for the audit of the financial statements is located on the
Financial Reporting Council's website at www.frc.org.uklauditOTsT¢sponsibilities. This description fornis
part of our Report of the Independent Auditors.
Page 35

SURVIVORS FUND (SURF)
STATEMENT OF FINANCIAL ACTIVITIES
(INCORPORATING AN ll¥COME AND EXPEL¥DITURE ACCOUNT)
FOR THE YEAR ENDED 31 DECEMBER 2023
31.12.23
TotAI
funds
31.12.22
Total
funds
Unrestricted Restricted
fund
fund
Notes
INCOME AND ENDOWMENTS FROM
Donations
31?21
55,942
87263
91,973
Charltable actlvltiej
Charitable Activity
3,000
444,672
447,672
571,677
Other Incoming Resources
938
558
1,496
67,261
Total
35,259
501,172
536,431
730,911
EXPETqDITURE ON
Charllable actlvltles
Charitable Activity
109JOI
521299
630,600
797,055
NET INCOMEI(EXPENDITURE)
(74,042)
(20,127)
(94,169)
(66,144)
RECONCILIATION OF FUNDS
Total funds brought forward
99,694
73,826
173,520
239,664
TOTAL FUNDS CARRIED FORWARD
25,652
53,699
79,351
173,520
The notes forni part of these financÈal statements
Page 37

SURVIVORS FUND (SURF)
STATEMENT OF FINANCIAL POSITION
31 DECEMBER 2023
31.12.23
31.12.22
Notes
FIXED ASSETS
Tangible assets
13
27,129
41,548
CURRENT ASSETS
Debtors
Cash at bank and in hand
14
23,126
57J09
21,726
138,921
80,435
160,647
CREDITORS
Amounts falling due within one year
15
{2&213)
(28,675)
NET CURRENT ASSETS
52222
131,972
TOTAL ASSETS LESS CURRENT
LIABILITIES
79J51
173,520
NET ASSETS
79J51
173,520
FUNDS
Unrestricted funds:
General fund
Restricted funds..
Restricted Funds
17
25,652
99,694
53.699
73,826
TOTAL FUNDS
79J51
173,520
The charilable company is entitled to exemption from audit under Sedion 477 of the Companies Act 2006
for the year ended 31 December 2023.
The members have not deposited notice. pursuant to Section 476 of the Companies Act 2006 requiring an
audit of these financial statements.
The trustees acknowledge their responsibilities for
(a) ensuring that the charitable company keeps accounting records that comply with Sections 386 and 387
of the Companies Act 2006 and
(b) preparing financial statement5 which give a true and fair view of th¢ state of affair5 of the charitable
company as at the end of each financial year and of its surplus or defjcit for each financial year in
accordance with the requirements of Sections 394 and 395 and which otherwise comply with the
requirements of the Companies Act 2006 relating to financial statements, so far as applicable to the
charitable company.
These financial statements have been audi*d under the requirements of Section 145 of the Charities Act
2011.
The notes forni part of these financial statements
Page 38
continued...

SURVIVORS FUND {SURF)
STATEMENT OF FINANCIAL POSITION- CODtinued
31 DECEMBER 2023
The financial statements were approved by the Board of Truslees and authorised for issue on
were si8ned on its behalf by:
&+Etv
Truste¢
'B IroLEGr=
f114nrwftlA
Truslee
,￿lfoL&Y*
The notes form part of these financial statements
Page 39

SURVIVORS FUND {SURF)
STATEMENT OF CASH FLOWS
FOR THE YEAR EIYDED 31 DECEMBER 2023
31.12.23
31.1222
Notes
Casb flows from operatlng activitie#
C&%h generated from operations
{81,612)
(61,821)
Net cash used in operating activities
<81,612)
(61,821)
CA8h flows from InvestlDg actlvltles
Purchase of iangible fixed assets
(10,695)
Net cash provided byl(used in) investing activities
(10,695)
Ch¥4nge ID cash and eash equlvaleDts
ID the reporting perlod
Cash and cash equlvalents at tbe
begSDnlng of the reporting period
(81,612)
(72,516)
138,921
211,437
CA8h and cgsh equival¢ntJ at the end
of Ihe reportlllg period
57a09
138,921
The notes form part of these financial ststements
Page 40

SURVIVORS FUND (SURF)
NOTES TO THE STATEMENT OF CASH FLOWS
FOR THE YEAR ENDED 31 DECEMBER 2023
RECONCILIATION OF NET EXPENDITURE TO NET CASH FLOW FROM OPERATING
ACTIVITIES
31.12.23
31.12.22
Net expenditure for the reporting period (as per tbe Staternent
of FinAnclal Activiti¢8)
Adjuslments for:
Depreciation charges
Losses on FA
Increase in debtors
(De¢rease)/increase in creditors
(94.169)
(66,144)
8,680
5,739
(1,400)
(462)
10,998
(1,603)
(7.344)
2272
Net Cash uyed in operationj
(81,612)
(61,821)
ANALYSIS OF CHANCES IN NET FUNDS
At 111123 Cash flow At 31112123
Net cish
Cash at bank and in hand
138,921
(81,612)
57009
138,921
(81,612)
57 J09
Tot41
138,921
(81,612)
57J09
The notes forn] part of these financial statements
Page 41

SURVWORS FUND (SURF)
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2023
ACCOUNTING POLICIES
Basis of preparing the flnaneial statements
The financial statemcnts of the charitable ¢ompany, which is a public benefit entity under FRS 102.
have been prepared in accordance with the Charities SORP (FRS 102) 'Accounting and Reporting by
Charities: Statement of Recommended Practice applicable to charities preparing their accounts in
accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS
102) (effective l January 2019),, Financial Reporting Slandard 102 The Financial Reporting Standard
applicable in the UK and Republic of Ireland, and the Companies Act 2006. The financial statements
have been prepared under the historical cost convention.
The charity constitutes a public benefit entity as defIned by FRSI 02.
Gofing Concern
The organisation further secured sufficient fundings to operate for the next twelve months. As such,
the Bo&rd of truste¢s are confident that they would be in a position to carry out their charitable
activities in th¢ Coming year.
As a result of this, the trustees consider that there are no material uncertainties about the charity's
ability to continue as a going concern.
IDeome
All income is recognised in the Statement of Financial Activities once the charity has entitlement to
the funds, il is probable that the income will be received and the amount can be mea5UTed reliably.
Donations are recognised when the charity has been notified in writing of both the amount and
settlement date. In the event ihal a donation is subject to conditions that require a level of
perfornlance before the charity is entitled to ihe fijnds, the income is deferred and not recognised until
either those conditions are fully met, or the fulfilment of those condition is wholly within the control
of the charity and is probable that those conditions will be fulfilled in the reporting period.
Income from government and other grants, whether 'capiial" gants or "revenue" grants is recognised
when the charity has entitlement to the fund5, any perforniance ¢ondilions attached to the grants have
been met, it is probable that the Ancome will be received and the amount can be measured reliably and
is not deferred.
Donated services recognised in Ihe financial statements would include those provided by an individual
or entity as part oftheir trade or profession for free. An equivalent amount is included as expenditure.
ExpeDditure and irrecoverable vat
Liabilities are recognised as expenditure as soon as there is a legal or constructive obligation
Committing the charity to that expenditure. it is probable ihat a transfer of economic benefits will be
required in settlement and the amount of the obligation Can bc m¢asured reliably. Expenditure is
accounted for on an accruals basis and ha5 be¢n classified und¢r headings that aggregale all cost
relaled to the category. Where costs cannot be directly attributed to particular headings they have been
allocal¢d to activities on a basis consistent with the use of resources.
trr¢cov¢rabl¢ VAT is Charged as a cost against the activity for which the expenditure was incurred.
Grants offered subject to conditions which have not been met at the year end date ar¢ noted as a
mmitment but not accrued as expenditure.
Page 42
continued...

SURVIVORS FUND (SURF)
NOTES TO THE FINANCIAL STATEMENTS - continued
FOR THE YEAR EIWED 31 DECEMBER 2023
ACCOUNTING POLICIES - Continued
Tangible fixed a￿ets
Depreciation is provided at the following annual rates in order to write off each asset over its
eslimated useful life.
Leasehold Land
Plant and machinery
Motor vehicles
not provided
250/0 on cost
250/0 on cost
Tangible fixed assets are stated at historical Cost less accumulated depreciation and any accumulated
impairnient losses. Historical Cost includes expenditure that is directly attributable to bringing the
asset to the location and condilion necessary for it to be capable of operating in the manner intended
by managemtnt.
No depreciation is ¢harg¢d on the value of land but any improvement costs are depreciated.
Taxgtfion
The charity is exempt from corporation t&x on its eharitable activities.
FuDd accounting
Unrestricted funds can be used in accordance with the charitable objectives at the discretion of the
trust¢¢s.
Restricted funds can only be used for particular reslricled purposes within the objects of the charity.
Restrictions arise when specified by the donor or when funds are ratsed for particular restricted
purposes.
Further explanalion of the nature and purpose of ¢a¢h fund is included in the notes to the financial
statements.
Forelgn currencies
Assets and liabilities in foreign currencies are translated into sterling at the rates of exchange ruling at
the statement of financial position date. Transactions in foreign currencies are translaled into sterling
at the rate of exchange ruling at the date of transaction. Exchange differences are taken into account
in arriving at the operating result.
Debtors
Basic financial assets, including trade and other debtors, are initially recognised at transaction price,
unless th¢ aTrangernent constitutes a financing transaction, where the transaction is measured at the
present value of the future receipts discounted at a market rate of interest. Such assets are
subsequently carried al amortised cost using the effective interest Method, less any impairnient.
Creditors
Page 43
continued..

SURVIVORS FUND (SURF)
NOTES TO THE FINANCIAL STATEMENTS - continued
FOR THE YEAR ENDED 31 DECEMBER 2023
ACCOUNTING POLICIES - Continued
B&8ic financial liabilities, including trade and other creditors, loan5 from third parties and loans from
related parties, are initially recognised at transaction price, unless the arrangement constitutes a
fmancing transaction, wher¢ the debt instrument is measured at the present value of the future
payments discounted al a market rate of interest. Such instruments are subsequently carried at
amortised Cost using the ¢ff¢ctive interest method, less any impaimi¢nt.
FIDaDclal Instruments
The charity only has financial assets and financial liabililies of a kind that qualify as basic financial
instruments. Basic financial instruments are initially recognised at transaction value and subsequently
measured ai their settl¢m¢nt value.
DONATIONS
31.12.23
31.12.22
Donations
Gift aid
Donated services and facilities
74,056
12,518
689
80.225
9,137
2,611
87363
91,973
OTHER INCOMING RESOIIRCES
31.12.23
31.12.22
Agency Income
Interest income
558
938
62,468
4,793
J,496
67,261
Page 44
continued...

SURVIVORS FUND (SURF)
NOTES TO THE FIIYANCIAL STATEMENTS - continued
FOR THE YEAR ENDED 31 DECEMBER 2023
INCOME FROM CHARITABLE ACTIVITIES
31.12.23
31.12.22
Activity
Charitable Activity
Grants
447,672
571,677
Grants received, included in the above, are as follows:
31.12.23
31.12.22
Foundation Rwanda
INSPIRE!afri¢a
Anonymous
Charities Advisory Trust (Good Gifts)
Comic Relief (Shooting Touch)
Charities Aid Foundation (CAF) America
Network for Africa
Allan & Ne5ta Ferguson Charitable Trust
Add￿ & Oryx Foundation
Clifford Chance
Southall Trust
33.952
30,759
30,000
45,899
36,426
434
46,004
110,911
30,634
71,929
70,807
30,041
8,420
37,426
20,290
37,859
153.360
221,198
3,000
447,672
571.677
CHARITABLE ACTIVITIES COSTS
Grant
funding of
activities
(see note
Support
costs (see
not¢ 7)
Direct
Costs
6)
Totals
Charitable Activity
58,All
473J89
99.100
630,600
GRANTS PAYABLE
31.12.23
31.12.22
Charitable Activity
473,389
637,861
Page 45
ontinued...

SURVIVORS FUND (SURF)
NOTES TO THE FINANCIAL STATEMENTS - Continued
FOR THE YEAR ENDED 31 DECEMBER 2023
CRANTS PAYABLE - continued
The total ￿antS paid to institutions during th¢ year was as
follows:
31.12.23
31.12.22
Community Projects (Shelter)
Foundation Rwanda
Youth Entrepreneurship Training PrO￿amMe (YETP)
Community Counselling Initiative (CCI)
Good Gifts Project
Reaching Rwanda Project
University Student Support Programme
Network for Africa Entrepreneurship Project
Empowering Vulnerable Genocide Widows in Western Rwanda to
Alleviat¢ Extreme Poverty (EVWEP) project.
Empowering Vulnerable Genocide Widow5 in Karongi and Rutsiro
District to Alleviate Extreme Poverty (EVKREP) project.
Other Agency Costs
Counselling Extension Response Project (CERP III)
Youth Economic Empowerment Project (YEEP)
6,962
49,128
4,946
62,448
2,958
122,853
102,871
57,699
3,232
13,714
112,340
83,159
69,092
7,533
7.138
39,184
63,816
57,527
99,475
217
74,107
70,851
473,389
637,861
SUPPORT COSTS
Premises
Costs
Management Finance
Charitable Activity
18,266
19,112
Other
Overheads
Governance
costs
Totsls
Charitable Activity
5,280
99,100
Page 46
ontinued...

SURVIVORS FUIYD (SURF)
NOTES TO THE FINANCIAL STATEMENTS - eontinued
FOR THE YEAR EIYDED 31 DECEMBER 2023
NET INCOMEI(EXPENDITURE)
Net income/(expenditure) is stated after chargingl(crediting):
31.12,23
31.12.22
Auditors, remuneration
Depreciation - owi]ed assets
5,280
8,680
5,021
10,997
TRUSTEES, REMUPIERATION AND BENEFITS
There were no Irustees, remuneration or other benefits for the year ended 31 December 2023 nor for
the year ended 31 December 2022.
Trustees, expenses
There were no trustees, expenses paid for the year ended 31 De¢emb¢r 2023 nor for the year ended
31 December 2022.
10. STAFF COSTS
31.12.23
31.12.22
Wages and salaries
Social security Costs
42,986
5,141
58,088
5,983
48,127
64.071
The average monthly number of employees during the y¢aT was as follows".
31.12.23
31.12.22
Charitable Activities
Management and Administration
No employees received emoluments in excess of £60,000.
Page 47
continued..

SURVIVORS FUIYD (SURF)
NOTES TO THE FINANCIAL STATEMENTS - continued
FOR THE YEAR ENDED 31 DECEMBER 2023
11. COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES 31.12.2022
Unrestricted Restricted
Total
fund
fund
funds
INCOME AND ENDOWMENTS FROM
Donations
33,720
58,253
91,973
Charltable actfvl¢fjes
Charitable Activity
41,494
530,183
571,677
Other Incoming Resources
4,793
62,468
67,261
Total
80,007
650,904
730,911
EXPENDITURE ON
Charltable aetivities
Charitable Activity
66,549
730,506
797.055
NET INCOMEI(EXPENDITURE)
13,458
(79,602)
(66,144)
RECONCILIATION OF FUNDS
Total funds brought forward
86,236
153,428
239,664
TOTAL FUNDS CARRIED
FORWARD
99,694
73,826
173,520
12. KEY MANAGEMENT PERSONNEL
The Key Management Personnel comprised of the Board of Trustees.
Page 48
continued...

SURVIVORS FUND (SURF)
IYOTES TO THE FIIYANCIAL STATEMENTS - continued
FOR THE YEAR EI¥DED 31 DECEMBER 2023
13. TANGIBLE FIXED ASSETS
Leasehold Plant and
Land
rnachin¢ry
Motor
vehicles
Totals
COST
At l January 2023
Exchange differences
14032
(2,781)
75,798
(1,869)
12,730
(1,089)
103J60
(5,739)
At 31 December 2023
12,051
73,929
11,641
97,621
DEPRECIATION
At l January 2023
Charge for year
963
53,803
6,049
7,046
2,631
61,812
8,680
At 31 December 2023
963
59,852
9,677
70,492
NET BOOKVALUE
At 31 December 2023
11,088
14,077
1,964
27,129
At 31 December 2022
13,869
21,995
5.684
41,548
14. DEBTORS: AMOUNTS FALLING DUE WITHJN ONE YEAR
31.1223
31.12.22
Trad¢ debtors
Other debtors
9,110
12,616
23,126
23,126
21,726
15. CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR
31.12.23
31.12.22
Social se¢urity and other taxes
Other creditors
5,008
23,205
3,086
25,589
28,213
28,675
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continued...

SURVIVORS FUND (SURF)
NOTES TO THE FINANCIAL STATEMEIYTS - continued
FOR THE YEAR EIYDED 31 DECEMBER 2023
16. ANALYSTS OF NET ASSETS BETWEEN FUIIDS
31.12.23
Total
funds
31.12.22
Total
funds
Unrestricted Restricted
fund
fund
Fixed assets
Current assets
Current liabilities
13,052
40,813
(28,213)
14,077
39,622
27,129
80,435
(28,213)
41,548
160,647
(28,675}
25,652
53,699
79J51
173,520
17. MOVEMENT IN FUNDS
Net
movement
in funds
At
31112123
At 111123
Unrejtrlcted funds
General fund
99,694
(74,IM2)
25.652
Restricted fund8
Restricted Funds
73,826
(20,127)
53,699
TOTAL FUNDS
173,520
(94,169)
79J51
Net movement in funds, included in the above are as follows:
Incoming R¢sources Movernent
r¢sources
expended
in funds
Unrejtrieted fuDds
General fund
35,259
(109JOI)
(74,042)
Restricted funds
Restricted Funds
501,172
(521,299}
(20,127)
TOTAL FUNDS
536,431
(630,61)0)
(94,169)
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continued...

sUR￿VORs FUND (SURF)
NOTES TO THE FINANCIAL STATEMENTS - Continued
FOR THE YEAR ENDED 31 DECEMBER 2023
17. MOVEMENT IN FUNDS - continued
ComparAtlves for movement ID funds
Net
movement
in funds
At
31112122
At 111122
Unrestricted fundg
General fund
86,236
13,458
99,694
Restrleted funds
Restricted Funds
153,428
(79,602)
73,826
TOTAL FUTIDS
239,664
(66,144)
173,520
Comparative net movement in fLfftds, included in the above a￿ as follows:
Incoming Resources Movement
resources
expended
in funds
Unrestricted funds
General fund
80,007
(66,549)
13,458
Rejlricted funds
Restricled Funds
650.904
(730,506)
(79,602)
TOTAL FUNDS
730,911
(797,055)
(66,144)
Anatysis of Restrieted Reservej
31.12.2023 31.12.2022
Youth Economic Empowernient Project (YEEP)
53,699
73,826
53,699
73,826
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continued...

SURVIVORS FUND (SURFI
NOTES TO THE FINANCIAL STATEMENTS - continued
FOR THE YEAR ENDED 31 DECEMBER 2023
18. RELATED PARTY DISCLOSURES
David Russell who is the Company Secretary of SURF, is also the Chair of Nthork for Africa and
Charitie5 Advisory Trust. I)uring the year donations totalling £46,004 (2022.. £37,426) were received
from Network for Africa and £45,899 (2022: £70,807) from Charities Advisory Trust.
During the year, the Trustee5 donated £12,416 (2022: £2,335) to the organisation.
During the year. SURF donated £20,8(M) {2022: £12,307) towards the construction of Philly's Place
Children's Centre in Rwanda. The building is currently owned by a member of the board of trustees,
with a deed of trust that on her deaih th¢ lan<L property and all assets in the building will b¢
transferred to Survivors Fund (SURF).
19. LEGAL STATUS OF THE TRUST
The charity is a company limited by guarantee and has no share capital.
20. WINDING UP OR DISSOLUTION OF THE CHARITY
If upon winding up or dissolulion of the charity. there remain any assets, after the satisfaction of all
debts and liabilities, the assets represented by the accumulated fund shall be transferred to some other
charitable body or bodies having similar objects to the charity.
Page 52