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2024-12-31-accounts

Charity number: 1119600 Malawl Relief Fund UK Trustees, report and audited financial statements for the year ended 31 December 2024

Malawi Relief Fund UK Contents Page Legal and administratNe information Trustees report Auditors report Statement of financial activities 10 Balance sheet Notes to the financial statements 12-15

Malawi Relief Fund UK Legal and admlnistrative information Charity number 1119600 Address 63-65 Victoria Street Blackburn Lancashire B8160N Trustees Faruk Ibrahim Bharucha Ismail Valli Zunaid A Saeed Chunara Qari16mail Secret8ry Mohammed Yusuf Mangera Chairman Faruk Ibrahim Bharuch8 Auditor Ilyas Patel (Accountants) Limited Chartered Certified Accountanls Soloman House Belgrave Court Fulwood Preston Lancashire PR2 9PL Bankers Ma￿e$l Bank Pic King William Street Blackburn Lancashire BB17DJ

ort of the trustees for the ear ended 31 December 2024 The Trustees have pleasure in presenting their report for the year ended 31 December 2024. This report is prepared in accordance with the Statement of Recommended Practice Accounting and reporting by the Charities and complies with applicable law. status and admlnistration The charity started its operations in 2004 and is constituted under a 2007 constitution and registered with The Charity Commissioners under charty number 1119600. MRF is registered as an NGO in Malawi. Charlty objects The objectives of the charity are: To advance, support and deliver humanitarian relief aid in Malawi (central Africa) to help relieve poverty and respond to natural disasters. To support, and improve access to education and healthcare, and clean water and sanitation. Develop and support livelihood and sustainability programmes. Activltles and Achlevements The charity is run by volunteers. Members offer thelr seNices as trustees and committee members. The programs are focused on alleviating poverty and our priorities are.. Providing Humanitarian Aid Improving Access to Education and Healthcare and clean water Improving skills and promoting empowerment and economic development initiatives Providing decent homes The charity has been successful in developing effective working partnerships with organisations (NGO'S) based in Malawi with similar objectives as ourselves to deliver a range of projects and programs or by way of providing funds to them to further their work in achieving our objectives. Trustees Report for Year Ended Deeember 2024 Access to Heallhcare- Prvviclecl Free lieallh Lwre lo 23,000 Access to healthcare remains a critical challenge in many rural areas of Malawi, where labour shortages, inadequate infrastructure, povertyi and long travel distances make it difficult for people to receive proper medical care. Our Shukran Clinic in Chia, a community-driven initiative, is working to address these barriers at their core. Since opening in May 2023, the clinic has provided vital healthcare seNices to over 46,000 patients, including 13,500 children under the age of five. Recognizing the growing need for specialised care, we are moving forward with plans to establish an Under 5's Clinic and a Maternity Unit, ensuring tailored support for mothers and young children in the community. IMPACT Improved access to healthcare Reduced travel distance for healthcare Improved Health and wellbeing Reduce infant mortality Provided free healthcare to 23,000 patlents

Gift of Sight Progromme.. Delivered 5,377 Cotorart Operations Malawi faces a serious public health challenge. with one of the highest rates of preventable blindness in the world. Over 160,000 Malawians suffer from vision impairment due to cataracts-an entirely treata ble condition requiring a simple, low-cost surgical procedure. However, financial and 8eographical barriers make this life-changing treatment inaccessible for many. The Gift of Sight Programme is dedicated to clostng this gap, ensuring that cataract surgeries are available to those who need them most, By providing free procedures, MRF restores visson, dignity, and hope, transforming lives and creating new opportunities. Through this powerful yet simple intervention, MRF is notjust restoring sight it is unlocking potential, empowering individuals, and fostering a brighter future for communities across Malawi. IMPACT Improved quallty of life Regaln their Independence Improved mobllity for daily chores Able to work and sustaln thelr famllles Dellvered 5,377 cataract operatlons Access to Clean Water.. 170 Water polnts providlng woterAor over 30,000 people Over 5.6 million people In rural Malawi lack access to clean and safe water, leaving them vulnerable to waterborne diseases. This crisis affects health, limits education and economic opportunities, and undermines overall community well-being. Each year, approximately 3,000 children under five die from preventable water-related illnesses such as diarrhoea and dysentery. Over the past year, MRF has made significant progress in tackling these challenges, providing clean water to nearly 8,000 people and constructing latrines for 600 households, These efforts not only improve health and hygiene but also create safer living conditions and reduce the spread of waterborne diseases. IMPACT Clean water access for nearly 8,000 people, 610 households equipped with latrlnes and washrooms. Reduced dlstances to water polnts, Improved hyglene and sanitatlon. Enhanced health and well- belng, Livellhood Programmes.. 120 Benellciaries supported Our sustainability programme continues to drive a diverse range of educational and vocational training, business support and enterprise initiatives, empowering households and communities to achieve food and nutrition securityi generate income, secure employment, sustain their business and enhance rural livelihoods. IMPACT Equlp beneflclarles wlth essentlal vocatlonal, buslness and Ilfe 5kllls. Address the skilled workforce shortage. Improve access to tralning and resources for marglnallsed and hard-to- reach groups Through these efforts, we play a crucial role in fostering long-term well-being and resilience.

Moone Vocationol Training Centre.. Trained 263 Students Maone Technical College is a specialized, forward-thinking vocationa l institution dedicated to equipping skilled artisans with the expertise needed to meet industry demands. Our mission is to provide high-quality vocational traininE and support to both young people and adults, by creating pathways to self-reliance and empowering them with the skills, confidence, and mindset to succeed in the workforce and contribute to their communities. IMPACT Equlp students wlth workforce-ready skllls. Address the skilled labour shortage. Strengthen constructlon Industry expertlse. Expand access for marginallsed communities. Our programmes include bricklaying, carpentry and joinery, plumbing, and electrical installation, with plans to expand into ICT, Horticulture, and Early Years education. Beyond formal trainingp we offer tailored courses for marginalised individuals-particu larly those in rural areas who lack the qualifications for formal education-helping them gain practical skills and secure meaningful employment. Teacher Tralnlng Scholarshlp.. 150 Women Supportedfor Teacher Troininq A critical shortage of qualified teachers has left many schools understaffed, resulting in overcrowded classrooms that hinder effective learning. This shortage not only affects education quality but also contributes to high dropout rates, with only 38% of children transitioning to secondary education. Recognlzing the urgency of these challenges, MRF is activety working to improve education standards by supporting teacher training initiatives that empower women, increase the number of qualified educators, and create better learning environments for children across Malawi. IMPACT Empowered 150 Women. Expanded employment opportunltles. I mproved Ilfe prospects. Strengthened familv sustalnability Addressed Malawl's teacher shortage Enhanced educatlon standards Through our sponsorship of 150 women at Mariam Girls Teacher Training College, we are helpin8 to bridge the gap in teacher availability, ensuring more children receive a quality education and brighter future. Talha Scholarshlps- 158 beneficiarie5 recelved Scholarshlps Malawi has one of the lowest tertiary education enrolment rates globally, with financial constraints, gender inequality, and geographic barriers preventing many-especially those from marginalised and underrepresented groups-from pursuing higher education. IMPACT Expanded acces5 to hlgher educatlon for dlsadvanta8ed Students. Empowered Indlvlduals to reach their full potential. Removed barriers to unlversitv educatlon. Promoted gender equallty and Incluslon. Strengthened Malawi's socio- economic development. MRF'S Scholarship Programme is designed to address these challenges, providing disadvantaged individuals with the opportunity to access university education. By breaking down Systemic ba rriers, this initiative empowers students to realise their potential, build brighter futures, and contribute to Malawi's socio-economic development."

Early Years Childhood Development (ECD)- 300 children at 6 centers Research shows that the first eight years of life are critical for child's development. Providing early learning in a safe, nurturing environment is essential for fostering physical, socioemotional, cognitive, spiritual, and moral growth. This year, we opened two new Early Childhood Development IECDI centres in Zomba, bringing the total to six in rural areas, ensuring more children receive a strong foundation for primary schooling. With three additional centres set to open in 2025, we remain committed to expanding access to quality early education IMPACT Enhance school readlness. Foster social, emotlonal, and spiritual development. Break the cycle of poor education In rural communitles. Bulld a strong foundation for Ilfelong learnlng. Shukran Academy Jall Complex- 90 Children at Academy Established in 2012 in Zomba, Shukran Academy has grown into a well-managed institution dedicated to supporting children, particularly orphans. In August 2023, we opened our fla8ship Jali complex, relocating children from Zomba to a purpose-built facility offering qualitv boarding accommodation, earlv vears and primary education, Islamic studies, and additional support services. The centre also serves as a vital community hub, featuring a women's development centre, an earlv vearfs child development centre, an education block, and a place of worship. The children are provided intellectual, spiritual, social and emotional support, empowerin8 them to thrive and build brighter future. IMPACT Provlded safei purpose-bullt boardlng facllitles for orphaned chlldren, Ensured access to quallty early years and prlmary educatlon for the community. Strengthened Intellectual, splrltual, soclal, and emotlonal development. Created a communlty hub offerln8 addltlonal Support servlces. Supported chlldren Into secondary schools. Dirert Support Programmes- 450 beneficiarles supported every month Our Direct Support Programme {DSP) is a vital part of our social protection strategy, addressing poverty and food insecurity in remote villages. Each month, vulnerable households receive essential food and supplies, with financial assistance provided when urgent needs arise. IMPACT Enhanced quality of Ilfe for vulnerable households. Improved health and overall well-being. Strengthened food security for those most In need Currently supporting over 450 households, the programme serves as a critical lifeline, helping families Sustain themselves and improve their quality of life. The beneficiaries are the elderly, sick widows and the disabled.

Food Pocks.. 42,OOOfood packs dlstributed and over200,000 cooked meals provided Food security is a major challenge in Malawi. In an attempt to mitigate hunger due to food shortage, we provided food packs to over 42,000 families reaching some of the most remote and hard to reach areas of the country. IMPACT Improved Food Security for vulnerable communltles durlng Ramadhan Cooked Meals to break the fast Improved health and well- being We also provided cooked meals during the blessed month at over 250 centres providing a hot meal to between 40 to 100 people every night. Shelter Housing Project: 612 new homes built with washrooms and toilets In rural Malawi, where 82% of the population resides, many families live in substandard mud homes with thatched roofs, leaving them vulnerable to extreme weather. These unsafe conditions contribute to poverty, poor health, and instabilitv. Our shelter programme is dedicated to improving living conditions by constructing durable, weather-resistant homes that offer security and protection. Additionally, we address sanitation needs by providing washrooms and latrines, promoting hygiene and preventing disease. By integrating housing and sanitation solutions, we aim to break the cycle of inadequate living conditions and foster healthier, more resilient communities. IMPACT Provlded safe, durable homes, Improvlng Ilvlng condltlon Enhanced health and well- belng Smproved Sanltation and hy8lene standards, Improved quallty of Ilfe Bullt 542 houses offerlng securlty and stablllty ELIFF I IJNU IS LIE FUNL) Strm

Rlsk Management The currenl account funds are held with a leading bank to minimise disruption to activities and reduce risk. All investment decisions are made to achieve a reasonable return from acceptable sources according to Islamic Jurisprudence whilst minimising the risk. Trustees. Responsibilities Law applicable to charilies in England and Wales requires the trustees to prepare financial statements for each financial year which give a true and fair view of charity and of the incoming resources and application of resources of the charity for that year. In preparing these financial statements the tfLlStees are required to.. • select suitable accounting policies and then apply them consistently: observe the methods and principles in the Charities SORP., make judgements and estimates that are reasonable and prudent., slate whether applicable UK Accounting Standards have been followed, subject to any material departures disclosed and explained in the financial slatem&nls', and prepare the financial statements on the going concern basis unless it is inappropriate to presume that the charity will continue in operation. The trustees are responsible for keeping proper accounting ￿COrdS which disclose with r8asonable accuracy at any time the financial portion of the charily and enable them to ensure that the financial statements comply with the Charities Act 2011 and the Charity (Accounts and Reports) Regulations 2008. They are also responsible for safeguarding the assets of Ihe charty and hence for taking reasonable steps for the prevention and detection of fraud and olher irregularities. On behalf of Ihe board Ismail Valli Trustee Faruk Ibrahim Bharucha Chairman Date: ,I,,i?oJ<

Auditors Re ort Independent auditor's report to the trustees of Malawi Relief Fund UK Opinion We have audited the financial statements of Malawi Relief Fund UK for the year ended 3151 December 2024 which are set out on pages 10 lo 15 and notes to the financial statements. including a summary of significant accounting policies. The financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including Financial Reporting Standard 102.. The Financial Reporting Standard applicable in the UK and Republic of Ireland (United Kingdom Generally Accepted Accounting Praclice). In our opinion, the financial statements: give a true and fair view of the state of the Charity's affairs, of its income and expenditure for the year then ended. • have been properly prepared in accordance with United Kingdom Generally Accepted Accounting Practice. have been prepared in accordan￿ with the requirements of the Charities Act 2011 Basis for opinlon We conducted our audit in accordance with International Standards on Auditing (UK) (ISAS-UK) and applicable law. Our responsibilities under those standards are further described in the Auditorfs responsibilities for the audit of the financial statements section of our report. We are independent of the Charity in accordance with the ethical requirements that are ￿levant to our audit of the financial statements in the UK, and we have fulfilled our other ethical responsibilities in accordance with these requirements. Vle believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion. Conclusions relating to going concern We have nothing to report in respect of the following matters in relation to which the ISAS (UK) require us to report to you where.. the trustees, use of the going concern basis of accounting in the preparation of the financial statements is not appropriate,. or the trustees have not disclosed in the financial statements any identified material uncertainties that may cast significant doubt about the Charity's ability to continue to adopt the going cOn￿rn basis of accounting for a period of at least twelve months from the date when the financial statements are authorised for issue. Other information The trustees are responsible for the other informab'on. The other information comprises the information included in the annual report other than the financial statements and our auditorfs report thereon. Our opinion on the fi'nancial slaternents does not cover the other information and, except to the extent otherwise explicitly stated in our report, we do not express any ft)rm of assuran￿ conclusion thereon. In connection with our audit of the financial statements, our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the fi'nancial statements, or our knowledge obtained in the audit or othetwise appears to be materially misstated. Ifwe identify such material inconsistencies or apparent material misstatements. we are required to determine whether there is a material misstatement in the financial statements or a material misstatement of the other information. if, based on the work we have performed. we conclude that there is a material misstatement of this other information, we are required to report that fact. We have nothing to report in this regard.

Matters on which we are required to report by exception In the light of the knowledge and understanding of the Charity and its environment obtained in the course of the audit, we have not identified material misstatements in the Trustees, Annual Report. We have nothing to report in respect of the following matters in relation to which the Charities Act 2011 requires us to report to you if, in our opinion.. sufficient accounting records have not been kept,. the financial statements are not in agreement with the accounting records and returns- or we have not obtained all the information and explanations necessary for the purposes of our audit. Responsibilities of the trustees As explained more fully in the trustees, responsibilities statement set out on page 7. the trustees are responsible for the preparation of the financial statements and for being satisfied that they give a true and fair view, and for such internal control as they determine is necessary to enable the preparation of financial statements that are free from material misstatement. whether due to fraud or error. In preparing the financial statements, the trustees are responsible for assessing the Charity'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 Charity or to cease operations, or have no realistic alternative but to do so. Our responsibilities for the audit of the financial statements Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error. and to issue an auditor's report that includes our opinion. Reasonable assurance is a high level of assurance, but it 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 users taken on the basis of these financial statements. Use of our report This report is made solely to the Charity's trustees, as a body. in accordance with section 144 of the Charities Act 2011 and the regulations made under section 154 of that Act. Our audit work has been undertaken so that we might state to the Charity's trustees those matters we are required to state to them in an auditor's report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the Charity's trustees as a body, for our audit work. for this report, or for the opinions we have formed. Signed: Date: (s4 WJ tsvi Ilyas Patel (FCCA) Senior Statutory Auditor For and on behalf of Ilyas Patel (Accountants) Ltd Registered Auditors Chartered Certified Accountants Soloman House Belgrave Court Preston Lancashire PR2 9PL

Statement of Fillaucial. Activities foy the year ended 31st December 2024 2024 UAY¢Mri¢ttd th￿￿5 RrAtTiet 2023 Total Tpl41 Intoniin resources lllcomlrtg testsurces frorn gener1￿ Volunl¥ry In¢omÈ 108.634 2.766.638 2.875.272 3.630.572 TotAI lueomlng resoiirtes 108.634 • 766.638 2.875 ?72 3.630,57? Resoui'ces ex ended Charitable A¢iiviiies 2.350.810 2.350.810 3.907,434 Support Cosis 109,173 109.173 95.681 Tot#1 reAouYtts ￿pert0¢d 109.17J 2.350.810 2.459,983 4,003.115 Net lA¢Ort￿n$ Rtjourtts beforeTr•xf¢r (5391 415,828 41 5,289 {372.54Jl Net Movem¢*t IN (539) 415.828 415.289 {372.543) Total Funds Brought FonvArd 183,749 205.641 389.390 761,933 TotAI F¥Dd$ CArri¢d Fotivanl 183,21Q 621.169 804.679 189.390 10

Balance Sheet as at 31st December 2024 Rttlrlcted 2024 2023 Tolnl Fix¢d Asset Tangible assets 95.717 95.717 114.441 Tolal Fkned Assrts 95.717 95.717 Current Assets Debtors 62.213 62.283 69,061 Cash at bahk and in h&rtd 2A.?10 621.469 650,179 213.348 Totsl thryeot kntts 90,993 621.469 712,462 Cr¢ditor8- ollbounls falllns due withth ont yt#r 3,500 3,500 7.460 Nel Currenl Asscts 87,493 621,469 708.962 274.949 Nel kniets 183,210 621.469 804,679 389,190 unds of the Charlt IleslriGkd fun(Ls 621,469 621.469 205.641 Unr¢siricled funds 183,210 183,210 181,749 Toixl Funds 183,210 621,169 804,079 389,390 Slglled by two ol iht ¢rus¢¢u on beh•lf of All Ihe (nmttts: F4ruk Ibrahim Bha￿(bO. Ismnil Valli D￿e..

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Voluiilun inenime Ilii¥uiri¢t¢d RNfri¢ltil fiinds 211?4 •D23 Tot#1 4.902 4.902 Aqiqali J.37.5 3,37.5 1,340 269.37) 269.37) 287.1 iQ 62.283 6l),U()I Ittsri,, lidi'al Kafara 40.743 4¢J,743 59,77! ProJLYI Delivtry Supw)rt 41.449 41.444 Q)i)rb3ni 35.31) iio.uyu 2.147,9•1 2.8.18.7Q4 lQ8.634 1.766.63 2.874.27: (.'Iiirll8blt A¢llvlllt IU24 Tolil 202J Ilt¥ii'l¢iril ii¢ner#l •4),OyJ 4?,OY3 471,hg5 1fj.88? S8,148 58,148 IVTr l)74 ()iirbJtti J4.713 193.174 193,174 1.81)9,800 2.3$0.1110 2.340.810 .7.lJ117.4 J4 13

-Siiiiyorl C.'uJis 2024 Tfri#l Ilb)restritted R¢sir4rf¢11 500 500 5(1(> ¢T]In Clur8L'& 1.773 1.773 1.800 1.800 5.480 BRyik C'.Iuir¥v 3,171 1.8)5 1.855 DLI)fLcialion 19.45J 19.453 19.447 I:xilwn8e RArL DiiTLience5 5.1)7Q J97 397 642 1.440 1.44ll 1.4(>2 Uffice Adiniii 8upporl 40.80(b 40.8UII Paypftl Fets lJriTrliii¥. %IAiithiery Ad￿￿￿1el￿l PR, Murk"¥xIRg for Iiinilrai%in8 Pr(ije¢l IX.liieiy L'osi$ 56 56 551 12.325 12.325 10.59() 21.51J5 21.SU5 195 ¥80 81)ndrv L.xi)eii%&% I'rnv¢lliiiu F..¥rKIi8¢5 109,173 ¢lfiil of cei#in ileini ol. e%ibtndltui 'I'ruxi¢eS n¥L' noi iLM1in¢fd￿d for Ih¢ir.wi'i¢es bui ilieir oui oi'w¢kd ¢%penscs werc wid ili15 Y￿r. .2 littl for rludli of iliL #C¢￿11￿1 2024 Aucliiofy Ices (or ttyonin£ M lh¢ iLLoiints OihL'r lees pnid iii Ili¢ iiiileiitndtni i¥aniiJier ¢)r audiior 3.00 3,450 50 J,%oii 14

Plaiii & equipiiLII Vbhi¢lLS Caji At 311)¥¢LIMlw 202J diiiiins J.395 729 75.471 13,575 14),44¥ 729 4.124 75.4711 193 177 Ai il l)eLimber 1073 liiirge for t1￿ i¢Jr Ai 31 D¢L¢ii)bei W?4 Jo.190 7.547 37.717 45.431 78.007 19.453 i48 2.Y14 50,789 '¢1 ltrtstsk v#lue At 31 TYrtCiii￿r •074 i J I l)¢i¢mbtr fj0Tr3 1.19 l.(K19 J7.741 45.2SS 94.717 68.144 l)fbli&i¥: ￿￿1¢ll￿tI fylllttx dut wllhlli one IlJ24 Toil 21JZJ Uhresirlcted Rcslrirltd otherd¢￿￿4 (i! ?8J C'iwdili)fis.' hmvtsiii¥ fllllng due wlllilfv one yer 2T124 2023 Ilnre%irl¢itd Ri%¢rltied 7,4(>U 3.500 Reltrltted fuiidj Resli¢Ligii fiinils ii¥rpris¥$ ol'donJiii)n8 bTIYL'll b). 111& 8cn¢Thl pulili¢ fi>r Ihc pun)05L' o1.51ippI)fiin¥ lh¢ klusliin% aiiLI Ili¢ dt.4¢ilUlL Miiqliiiis i)I' M¥laivi lind Iiiitre%l Rrteived iviiicli Cann￿ be u%d ity i1￿.$0¢1¢¢> oilier iliNtl li) l)Lly Ilitt IioDI'. TlJcrL' 18 iits rL'l*ieJ party Il&b15ThCIIOII. 15