2023-05-31-accounts

Trustees' Annual Report for the period

	Period start date	Period start date			Period end date
**From **	1st	June	2022	To	31st May	2023

Section A Reference and administration details

Charity name Supporting Tanzanian Orphans and Widows Other names charity is known by STOW Registered charity number (if any) 1112424 Charity's principal address Acorn Cottage, Main Road, Kelsale

Saxmundham Suffolk Postcode IP17 2QY

Names of the charity trustees who manage the charity

1 2 3 4 5 6 7 8 9 10	Trustee name	Office (if any)	Dates acted if not for whole year	Name of person (or body) entitled to appoint trustee(if any)
	Marie Adams	Chairperson
	JeremyAdams	Secretary
	Martin Stevens	Treasurer
	Richard Wills Crisp
	Vivienne Wills Crisp
	Joan Craighead
	Linda Potter
	Robin Potter
	Donald McGregor

Names of the trustees for the charity, if any, (for example, any custodian trustees)

Name Dates acted if not for whole year

Names and addresses of advisers (Optional information)

Type of adviser Name Address

Name of chief executive or names of senior staff members (Optional information)

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Section B Structure, governance and management

Description of the charity’s trusts

Constitution Type of governing document (eg. trust deed, constitution) Unincorporated Association How the charity is constituted

• (eg. trust, association, company)

Elected from membership at AGM or appointed by trustees between Trustee selection methods AGMs.

• (eg. appointed by, elected by)

Section C Objectives and activities

Summary of the objects of the charity set out in its governing document Summary of the main activities undertaken for the public benefit in relation to these objects (include within this section the statutory declaration that trustees have had regard to the guidance issued by the Charity Commission on public benefit)

(i)The relief of poverty hardship and distress among children in Tanzania and other African countries who have lost one or both parents through AIDS and among women widowed as a result of AIDS by provision of advice, support and such financial or material assistance as the trustees shall from time to time determine. (ii) The advancement of education among children in Tanzania and other African countries who have lost one or both parents through AIDS by such exclusively charitable means as the trustees shall from time to time determine.

We have, as at 31.5.23, 180 members and have raised – through donations, membership subscriptions, child sponsorship, events, and gift aid – the sum of £49,538. Newsletters were sent to all members in October 2022 and March 2023. All our past and present newsletters, as well as membership forms, are available on our website: www.stowcharity.org. The trustees had meetings in June, September and November 2022, and in March and May 2023. They were in frequent contact between these meetings. They were all re-elected at the AGM on 4th September 2022. The Chairperson made monitoring visits to Tanzania in conjunction with our partner NGO, TUMAINI, in Sept/Oct 2022 and Jan/Feb 2023. In Sept/Oct they visited 7 older students in colleges in 3 locations outside Tanga: Moshi, Arusha, and Dar-es-salaam. In Jan/Feb they visited students and schools in Tanga, Morogoro and Dar-es-salaam. On this latter trip, they saw 33 students in Tanga Region, 1 in Ruvu and 1 in Dar. They visited 8 schools (including 1 primary) and 2 A-level colleges. They made 8 home visits and met with some of the widows to discuss their progress in setting up and running small businesses for which STOW had provided them with loans. The trustees have had regard to the guidance issued by the Charity Commissiononpublic benefit.

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Summary of the main achievements of the charity during the year

Through grants to our Tanzanian partner NGO, TUMAINI, we have supported 62 students: 1 at primary school, 31 at secondary, 22 in further education/university and 8 in vocational training.

For this period, our support to the children and families in Tanga amounted to £60,000. This included a grant of £56,500 to TUMAINI to cover budgeted educational costs, plus extra help to students and families of £3,500 covering rent, bed nets, textbooks, food parcels, bedding, bikes, and small business start-up grants.

.

STOW brought forward £66,722 from the last financial year. We raised £49,538 and spent £62,213. This means we had £54,047 in hand at the financial year’s end (31.5.23).

Section E Financial review

Brief statement of the charity’s policy on reserves

Our pledged continuing income has increased in recent years and, after due consideration and 18 years’ experience, the Trustees feel that we can reduce our reserves to 6 months of ongoing commitment. I.e. we will hold in reserve sufficient funds to keep all the students we have taken on in education or training for 6 months even if STOW is unable to raise any more money for whatever reason.

Details of any funds materially in deficit

Further financial review details (Optional information)

You may choose to include additional information, where relevant about:

• the charity’s principal sources of funds (including any fundraising);

• how expenditure has supported the key objectives of the charity;

• investment policy and objectives including any

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ethical investment policy adopted.

Section F Other optional information

Section G Declaration

The trustees declare that they have approved the trustees’ report above.

Signed on behalf of the charity’s trustees

Signature(s) J Adams Full name(s) Jeremy Arthur Adams Position (eg Secretary, Chair, Secretary etc) Date 18/7/2023

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Supporting Tanzanian Orphans and Widows

1112424

Receipts and payments accounts CC16a For the period Period start date Period end date To from 1st June 2022 31st May 2023

Section A Receipts and payments	Section A Receipts and payments	Section A Receipts and payments
A1 Receipts	Unrestricted funds to the nearest £ 1,681 25,856 15,622 4,918 1,297 164 49,538 - - - 49,538		Restricted funds to the nearest £ - - - - - - - - - - - - -		Endowment funds to the nearest £ - - - - - - - - - - - - -		Total funds to the nearest £ 1,681 25,856 15,622 4,918 1,297 164 49,538 - - - 49,538		Last year to the nearest £
Members subscriptions	1,681								1,666
Donations	25,856								28,388
Child sponsorship	15,622								10,975
Gift Aid	4,918								4,916
Fundraisingevents	1,297								1,074
Bank interest on deposit account	164								-
Sub total(Gross income for AR)	49,538								47,019
A2 Asset and investment sales, (see table).
	-
	-								-
Sub total	-								-
Total receipts A3 Payments
									47,019
Cost of fundraising			-		-		-		-
Public and employee liability insurance (1 year'spremium)	348		-		-		348		322
Costs of monitoring visits to Tanzania - 1 flight,2 visas	1,199		-		-		1,199		1,254
Grants to Tanzanian NGO for the support of 1 orphan at primary school, 31 at secondary school, 30 in further education (including vocational training and university).	56,500		-		-		56,500		48,000
Grant to Tanzanian NGO for 2 rainwater tanks	-						-		2,000
Grant to Tanzanian NGO In June 2021 for Further Education fees for 2021-2022 academicyear	-						-		6,000
Other grants to Tanzanian NGO including rent, bed nets, textbooks, food parcels, bedding, bikes, small business start-up grants.	3,500		-		-		3,500		2,500
Printingcosts for 2 newsletters	496		-		-		496		398
Bank charges	95		-		-		95		45
Stationeryandpostage	75		-		-		75		84
			-		-		-
**Sub total **	62,213		-		-		62,213		60,603

A4 Asset and investment
purchases, (see table)
	-		-			-		-
	-		-			-		-
**Sub total **	-		-			-		-		-
Total payments	62,213		-			-		62,213		60,603
Net of receipts/(payments)	- 12,675		-			-		- 12,675		- 13,584
A5 Transfers between funds	-		-		-			-		-
A6 Cash funds last year end	66,722		-		-			66,722		80,306
Cash funds this year end	54,047		-			-		54,047		66,722

CCXX R1 accounts (SS)

29/06/2023

1

Section B Statement of assets and liabilities at the end of the period

Categories Signed by one or two trustees on behalf of all the trustees B5 Liabilities B3 Investment assets B2 Other monetary assets B4 Assets retained for the charity’s own use B1 Cash funds	Details Details Total cash funds (agree balances with receipts and payments account(s)) HSBC Community account Details Details Details Signature JeremyAdams	Unrestricted funds Restricted funds to nearest £ to nearest £ 54,047 - - - 54,047 - OK OK Unrestricted funds Restricted funds to nearest £ to nearest £ - - - - - - - - - - - - Fund to which asset belongs Cost (optional) - - - - - Fund to which asset belongs Cost (optional) - - - - - - - - - Fund to which liability relates Amount due (optional) - - - - - Print Name JeremyAdams	Endowment funds to nearest £
			-
			-
			-
			OK
			Endowment funds to nearest £
			-
			-
			-
			-
			-
			-
			Current value (optional)
			-
			-
			-
			-
			-
			Current value (optional)
			-
			-
			-
			-
			-
			-
			-
			-
			-
			When due (optional)
			Date of approval
	JeremyAdams	JeremyAdams	27/07/2023

CCXX R2 accounts (SS)

29/06/2023

2

Independent examiner's report on the accounts

Section A Independent Examiner’s Report

Report to the trustees/ Supporting Tanzanian Orphans and Widows members of

On accounts for the year 31[st] May 2023 Charity no 1112424 ended (if any)

Set out on pages

(remember to include the page numbers of additional sheets)

Respective The charity's trustees are responsible for the preparation of the accounts. responsibilities of The charity’s trustees consider that an audit is not required for this year trustees and examiner under section 144 of the Charities Act 2011 (the Charities Act) and that an independent examination is needed. It is my responsibility to:

• examine the accounts under section 145 of the Charities Act,

• to follow the procedures laid down in the general Directions given by the Charity Commission (under section 145(5)(b) of the Charities Act, and

• to state whether particular matters have come to my attention.

Basis of independent examiner’s statement

Independent examiner's statement

• My examination was carried out in accordance with general Directions given by the Charity Commission. An examination includes a review of the accounting records kept by the charity and a comparison of the accounts presented with those records. It also includes consideration of any unusual items or disclosures in the accounts, and seeking explanations from the trustees concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in an audit, and consequently no opinion is given as to whether the accounts present a ‘true and fair’ view and the report is limited to those matters set out in the statement below.

In connection with my examination, no matter has come to my attention

1. which gives me reasonable cause to believe that in, any material respect, the requirements:

2. to keep accounting records in accordance with section 130 of the Charities Act; and

3. to prepare accounts which accord with the accounting records and comply with the accounting requirements of the Charities Act

4. have not been met; or

5. to which, in my opinion, attention should be drawn in order to enable a proper understanding of the accounts to be reached.

Signed: J P Wagg Date: 21/7/23 Name: Jeremy Paul Wagg Relevant professional qualification(s) or body (if any): Address: 9 North Warren

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Aldeburgh

Suffolk IP15 5QF

Section B Disclosure

Only complete if the examiner needs to highlight material problems.

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Give here brief details of any items that the examiner wishes to disclose .

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