## **Trustees’ Annual Report for the period** **From 6[th] April 2024 To 5[th] April 2025** ## **Charity name: Women Without Roofs - Nepal** ## **Charity registration number: 1132931** ## **Objectives and Activities** ||SORP reference|| |---|---|---| |Summary of the purposes of
the charity as set out in its
governing document|Para 1.17|The relief of financial hardship among
adults and their children living in Nepal by
providing such persons grants of money to
provide or pay for items, services or facilities
they could otherwise not afford through lack
of means.
To relieve sickness and promote and protect
the good health of the people in Nepal.| |Summary of the main
activities in relation to those
purposes for the public
benefit, in particular, the
activities, projects or services
identified in the accounts.|Para 1.17 and
1.19|Our principal activity remains providing funds
so that the women we support can pay their
rent and, therefore, have the security of a
place to live. In addition, we provide a child
benefit allowance per child to their carers
(Mother or Grandmother). We also provide
support for medical bills for all our women
and their families.
We continue to support two women’s homes.
Women are referred to us by pastors, by
the women we already help or by a Nepali
charity, Koshish, which seeks to rehabilitate
women with mental illness and provided they
meet our criteria they are eligible for our
support.| |Statement confirming
whether the trustees have
had regard to the guidance
issued by the Charity
Commission on public
benefit|Para 1.18|The Trustees have given due regard to the
Charity Commission guidance on public
benefit when making financial and other
decisions.| ## **Additional information (optional)** You may choose to include further statements where relevant about: ||SORP reference| |---|---| ||Para 1.38| |Policy on grant making|| ||Para 1.38| |Policy on social investment|| including program related investment Para 1.38 Contribution made by volunteers Other ## **Achievements and Performance** ||SORP reference|| |---|---|---| |Summary of the main
achievements of the charity,
identifying the difference the
charity’s work has made to
the circumstances of its
beneficiaries and any wider
benefits to society as a
whole.|Para 1.20|The Trustees have been very grateful for
the continued regular support from
numerous individuals and groups whose
donations have enabled us to continue with
our support of 75+ women in Nepal.
We continue to rent two homes, which
together house around one-fifth of the
women we support. Mahima Griha (Glory
House) houses older women and some
younger ones who are unable to care for
themselves in their own room (usually due to
mental health problems). This year we had
to relocate the women from Mahima Griha to
a new home on higher ground after flooding
and damage to the former home as a result
of exceptional rainfall. We raised a
Significant Incident with the Charity
Commission because of this (details below).
A further house, Sahas Ghar (House of
Strength), is leased in response to local
authorities' requirements. This home houses
women who can live more independently
without needing the care provided at
Mahima Griha.
We have continued to maintain our links with
Koshish, an internationally recognised
Nepali-run charity that seeks to rescue
women from the streets who are suffering
from mental illness, a condition that state
agencies virtually ignore.
We have been able to maintain our support
of a tithe of our income, paid this year to a
research-led charity focused on helping
Nepali women leave situations of sex
trafficking.
Obtaining citizenship papers remains a| difficulty for many of our women. Having citizenship papers would enable them to receive some State support. We continue to assist our women with their individual cases. We have again been pleased and impressed with the way our staff have coped with and organised the increased workload, particularly the ever-increasing requirements of the annual registration application and the house move in October. Our financial position has enabled the Trustees to continue to contribute to our fund to be used as a significant gift to our staff on their retirement or when they choose to leave working for WWR. Our staff and Nepali Board members continue to have good relations with the local Nepali authorities and again have had a very successful official review by them. However, the authority tends to make requests affecting how the charity works and uses its funds. Their requirements often appear impractical and often change the next year without the previous requirements being followed up, which makes it difficult for our staff and Trustees to decide how much resource should be devoted to these requirements. Our practice is to demonstrate that we are implementing these requirements, but over a longer time period. ## **Additional information (optional)** You may choose to include further statements where relevant about: |Achievements against
objectives set|Para 1.41|| |---|---|---| |Performance of fundraising
activities against objectives
set|Para 1.41|| |Investment performance
against objectives|Para 1.41|| |Other||In October 2024, we raised a Significant
Incident Report with the Charity
Commission.
One ofour women’shomes,Mahima Griha,| suffered extensive flooding and damage. Although we quickly identified a new home and moved the women there, the funds we raised and sent to Nepal to cover the additional costs were delayed by Standard Chartered Bank for three weeks. We suspect that banks in Nepal ran out of cash as bank customers rushed to withdraw funds in the aftermath of the floods, although this has not been confirmed. The significant incident has been resolved, and we are in the process of opening a second bank account in Nepal to hold emergency funds. ## **Financial Review** |**Financial Review**||| |---|---|---| |Review of the charity’s
financial position at the end
of the period|Para 1.21|Our end-of-year balance is c£42K, which is
Almost identical to the previous year.
The charity has thus met its objectives
purely on income for the year. We
We received donations from the USA, which
accounts for approx. 6% of our income.
This money is transferred directly from a
bank account in the USA to the charity in
Nepal. A balance statement for our dollar
funds can be found at the bottom of our
accounts.| |Statement explaining the
policy for holding reserves
stating why they are held|Para 1.22|The charity holds sufficient reserves to
cover legal rental costs during a notice of
termination period and to provide our
Nepali staff with a planned pension pot.
Our reserves are held with Charity Bank,
which has an advantageous interest rate and
no fees.| |Amount of reserves held|Para 1.22|£10,000| |Reasons for holding zero
reserves|Para 1.22|N/a| |Details of fund materially in
deficit|Para 1.24|N/a| |Explanation of any
uncertainties about the
charity continuing as a going
concern|Para 1.23|The Trustees have no financial concerns
about the charity’s ability to continue as the
source of funds is widespread and has
proved very reliable. The only potential
concern is if the Nepali authorities make
operation impossible or ban non-Nepali
charities.| |**Additional information (optional)**|**Additional information (optional)**|| |---|---|---| |You may choose to include further statements where relevant about:||| |||The charity’s normal source of the major| |||portion of funding continues to be through| |The charity’s principal||regular and ad hoc giving from individuals| |sources of funds (including|Para 1.47|and groups.| |any fundraising)||We participated in The Big Give Christmas| |||Challenge which is a welcome boost to our| |||funds.| |**Additional information (optional)**
You may choose to include further statements where relevant about:|**Additional information (optional)**
You may choose to include further statements where relevant about:|**Additional information (optional)**
You may choose to include further statements where relevant about:| |---|---|---| |The charity’s principal
sources of funds (including
any fundraising)|Para 1.47|The charity’s normal source of the major
portion of funding continues to be through
regular and ad hoc giving from individuals
and groups.
We participated in The Big Give Christmas
Challenge which is a welcome boost to our
funds.| |Investment policy and
objectives including any
social investment policy
adopted|Para 1.46|The Charity has no investments.| |A description of the principal
risks facing the charity|Para 1.46|The major risks are
envisaged as:
- Insufficient Ongoing Funding to maintain
expenditure levels. The Reserves policy
manages our legal requirements. As a
Christian organisation, the charity relies on a
combination of prudent financial use
and a proven faith thatGod provides| sufficient resources. - Financial or Operational Mismanagement in Nepal. All major financial and management decisions are made by the Trustees, there is regular and frequent electronic (email, Zoom) communication with our main worker, accounts of financial expenditure in Nepal are provided, regular visits are made to Nepal by one or more Trustees when all aspects of the work are checked and discussed with our staff. WWR operates three bank accounts in the UK, one holds the charity’s funds and the other holds only small amounts for emergency use only. Only the latter account can be accessed by staff in Nepal via ATM. The third account holds our reserve funds as mentioned above. - Incompatibility with Nepali Law. A Nepali board and constitution have been registered with Nepali authorities, ensuring that the charity's presence and operations within Nepal are acceptable and legal. - Theft of Money in Transit. All money transfers to Nepal are made by direct inter bank transfer. Money for general WWR use is transferred by Bank Transfer to the account of the Nepali Board. - Capability of Trustees to continue serving the charity. Our existing trustees have faithfully assisted the charity for many years. We appointed a younger member to join our board so knowledge and experience can be passed on. - Environmental. Given the flooding event this year, we have taken steps to ensure our women and assets are situated in favourable locations where flooding is unlikely. Other ## **Structure, Governance and Management** |Description of charity’s
trusts:||| |---|---|---| |Type of governing document
(trust deed, royal charter)|Para 1.25|Trust Deed| |How is the charity
constituted?
(e.g unincorporated
association, CIO)|Para 1.25|Trust| |Trustee selection methods
including details of any
constitutional provisions e.g.
election to post or name of
any person or body entitled
to appoint one or more
trustees|Para 1.25|Appointed by existing trustees| ## **Additional information (optional)** You may choose to include further statements where relevant about: Policies and procedures adopted for the induction and Para 1.51 training of trustees The charity’s organisational structure and any wider Para 1.51 network with which the charity works Relationship with any related Para 1.51 parties Other ## **Reference and Administrative details** |Charity name|Women Without Roofs–Nepal| |---|---| |Other name the charity uses|WWR| |Registered charity number|1132931| |Charity’s principal address|79 Green Park,
Manor Road,
Bournemouth,
BH1 3HR| ||| **Names of the charity trustees who manage the charity** |1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20|**Trustee name**|**Office (if any)**|**Dates acted if not for whole**
**year**|**Name of person (or body) entitled**
**to appoint trustee (if any)**| |---|---|---|---|---| ||Anna Townsend|Chair||| ||Nic Hopkinson|||| ||Jan Mitchell|||| ||Marilyn Jaques|||| ||Annie Skett||26thApril 2024 -present|Existingtrustees| |||||| |||||| |||||| |||||| |||||| |||||| |||||| |||||| |||||| |||||| |||||| |||||| |||||| |||||| |||||| – Corporate trustees names of the directors at the date the report was approved **Director name** Name of trustees holding title to property belonging to the charity **Trustee name Dates acted if not for whole year** ## **Funds held as custodian trustees on behalf of others** Description of the assets held in this capacity Name and objects of the charity on whose behalf the assets are held and how this falls within the custodian charity’s objects Details of arrangements for safe custody and segregation of such assets from the charity’s own assets ## **Additional information (optional)** ## **Names and addresses of advisers (Optional information)** **Type of Name Address adviser** **Name of chief executive or names of senior staff members (Optional information)** ## **Exemptions from disclosure** Reason for non-disclosure of key personnel details ## **Other optional information** ## **Declarations** **The trustees declare that they have approved the trustees’ report above.** **Signed on behalf of the charity’s trustees** **Signature(s)** ~~jaws fe~~ **Full name(s)** Anna Townsend **Position (eg Secretary,** Chair of Trustees **Chair, etc) Date** 25th July 2025 ## **Women Without Roofs - Nepal 2023/24** |**2023 -24**
**£45,889.78**
5,067.70
£
2,852.23
£
365.00
£
1,562.34
£
-
£
**9,847.27**
**£**
2,644.00
£
25,873.96
£
**28,517.96**
**£**
360.00
£
-
£
**360.00**
**£**
**-**
**£**
**6,855.14**
**£**
**45,580.37**
**£**
Coop A/c|**UK FUNDING**
**2024 -25**
**Opening Balance**
**£42,363.53**
**INCOME**
**One-off donations**
Individuals
2,941.42
£
Organisations2
2,420.17
£
Collecting Tins
20.00
£
Other Fundraising
127.79
£
The Big Give (including Gift Aid claimed on our behalf)
8,476.36
£
**Total**
**13,985.74**
**£**
**Regular Sponsorship**
Family groups & churches
4,564.00
£
Individuals2
21,940.24
£
**Total**
**26,504.24**
**£**
**Events**
Event Income
468.99
£
Event Costs
-
£
**Total**
**468.99**
**£**
**Interest**
**384.33**
**£**
**Gift Aid Rebate1**
**6,503.50**
**£**
**TOTAL NET UK INCOME**
**47,846.80**
**£**
**OUTGOINGS**
**Nepal Expenditure**| |---|---| ||| |6,656.05
£
14%
4,082.93
£
8%
17,268.18
£
36%
1,555.91
£
3%
3,368.01
£
7%
2,973.01
£
6%
769.97
£
2%
4,957.76
£
10%
6,710.94
£
14%
**48,342.76**
**£**
**605.00**
**£**
**158.86**
**£**
**49,106.62**
**£**
**3,526.25**
**-£**
**42,363.53**
**£**
10,010.00
£
32,353.53
£
880.00
€
728.35
£|Women's Homes Rent
6,769.47
£
14%
Women's Homes Running Costs
3,860.96
£
8%
Women's Rent
15,983.15
£
34%
Medicine
1,116.83
£
2%
Other inc Subsistence
4,062.53
£
9%
Education
3,139.35
£
7%
Compliance
1,206.85
£
3%
Tithe to other Orgs
4,558.00
£
10%
Wages & Admin in Nepal
6,900.86
£
14%
**Total**
**47,598.00**
**£**
**Bank Charges**
**305.00**
**£**
**UK memberships and admin**
**137.36**
**£**
**TOTAL NET UK OUTGOINGS**
**48,040.36**
**£**
**Net Gain**
**193.56**
**-£**
**Closing Balance Total**
**42,169.97**
**£**
Closing Balance Earmarked Funds
15,915.24
£
Closing Balance General Funds
26,254.73
£
**Notes to the UK Accounts**
1Excluding Gift Aid claimed on our behalf by The
Big Give
2Income from Individuals and Churches in the EU
1,605.00
€
1,375.96
£
included above| |---|---| ||| |**2023 -24**
**518.48**
**$**|**US FUNDING**
**2023 -24**
**Opening Balance**
**532.98**
**$**| ## **INCOME** |**One-off donations**||| |---|---|---| |Individuals|$|165.00
| |**Total**|**$**|**165.00**
| |**Regular Sponsorship**||| |Individuals|$|3,242.00| |**Total**|**$**|**3,242.00**
| |**TOTAL US INCOME**|**$**|**3,407.00**| |||**One-off donations**|**One-off donations**| |---|---|---|---| |912.85
$ 559.96
$ 2,368.25
$ 243.39
$ 561.91
$ 407.73
$ 50.53
$ 604.99
$ 920.37
$|2,791.80
$ **2,791.80**
**$**
3,927.68
$ **3,927.68**
**$**
**6,719.48**
**$**
Coop A/c
**14.50**
**$**|Individuals
165.00
$ **Total**
**165.00**
**$**
**Regular Sponsorship**
Individuals
3,242.00
$ **Total**
**3,242.00**
**$**
**TOTAL US INCOME**
**3,407.00**
**$**|| ||||| |||**OUTGOINGS**
**Nepal Expenditure**
Women's Homes Rent
317.71
$ Women's Homes Running Costs
181.21
$ Women's Rent
730.14
$ Medicine
52.42
$ Other inc Subsistence
190.67
$ Education
147.34
$ Compliance
56.64
$ Tithe to other Orgs3
672.00
$ Wages & Admin in Nepal
323.87
$ **Total**
**2,672.00**
**$**
**Bank and Paypal Charges**
**223.63**
**$**
**TOTAL US OUTGOINGS**
**2,895.63**
**$**
**Net Gain**
**511.37**
**$**
**Notes to the US Accounts**|| |**6,629.98**
**$**
**75.00**
**$**
**6,704.98**
**$**|||| ||||| 3 Given to the American Leprosy Mission which works in Nepal ## **FINANCIAL STATEMENT - £** |£|38,336.84
|||Opening Balances - Current Account|£|32,297.72
||| |---|---|---|---|---|---|---|---|---| |£|55.81
|||Cash Account|£|55.81
||| |£|7,497.13
|||HSBC Account|£|-
||| |£|-
|**£**|**45,889.78**
|Charity Bank|£|10,010.00
|**£**|**42,363.53**
| |||-£|3,526.25
|Net Gain/(Loss)|||-£|193.56
| |£|32,297.72
|||Closing Balances - Current Account|£|31,719.83
||| |£|55.81
|||Cash Account|£|55.81
||| |£|-
|||HSBC Account|£|-
||| |£|10,010.00
|**£**|**42,363.53**
|Charity Bank|£|10,394.33
|**£**|**42,169.97**
| |||||HSBC Account closed 4th August 2024||||| |||||Charity Bank Account opened 10th July 2024||||| |||||**FUNDS HELD IN USA - $**||||| |**$**|**518.48**
|||Opening Balance|**$**|**532.98**
||| |$|6,719.49
|||Income from Individuals|$|3,407.00
||| |||$|6,704.99
|Outgoings|||$|2,895.63
| |||$|14.50
|Net Gain/(Loss)|||$|511.37
| |**$**|**532.98**
|||Closing Balance|**$**|**1,044.35**
||| **2023/24 Income and Outgoings across all countries - £** Using exchange rates at time of transactions **Total Income** |130,000
₹
6,719.49
$ 130,000
₹
6,704.99
$|45,580.37
£
UK
47,846.80
£
674.93
£
Individuals in Nepal (NOT included above)
-
₹
-
£
5,315.57
£
USA
3,353.37
$ 2,714.88
£
**51,570.87**
**£**
**50,561.68**
**£**
**Total Outgoings**
49,106.62
£
UK
48,040.36
£
674.93
£
Nepal
-
₹
-
£
5,304.10
£
USA
2,842.00
$ 2,300.88
£
**55,085.65**
**£**
**50,341.24**
**£**| |---|---| **----- Start of picture text -----**
Coop A/c Outgoings Sheet
**----- End of picture text -----**
**----- Start of picture text -----**
Coop A/c Outgoings Sheet
**----- End of picture text -----**
**----- Start of picture text -----**
| FOR ENGLAND AND WALES ;
ina] CHARITY COMMISSION
a Independent examiner's report on the
| “_
Section A Independent Examiner’s Report
SSS eee ee ae
Report to the trustees CharityName _ . .
WOMEN WiTdovT Reors —~-NEPAL
aOn (aee as
accounts for theendedyear l Charity(if any)no 1132- a1 S ]
eee ee eee ee eee
Set out on pages $46 (remember to include the page numbers of additional sheets)
es ee SS ES eS
| report to the trustees on my examination of the accounts of the above
charity (“the Trust’) for the year ended BP!I/OM/YYYY. & 2025
Responsibilities and basis As the charity's trustees, you are responsible for the preparation of the
of report accounts in accordance with the requirements of the Charities Act 2011
(“the Act”).
| report in respect of my examination of the Trust's accounts carried out
under section 145 of the 2011 Act and in carrying out my examination, |
have followed all the applicable Directions given by the Charity
Commission under section 145(5)(b) of the Act.
Independent examiner's
statement
ofapplicable-listed-_body}].Delete-jfnet-appiicable-
| have completed my examination. | confirm that no material matters
have come to my attention in connection with the examination (other
han that disclosed below *) which gives me cause to believe that in,
any material respect:
* the accounting records were not kept in accordance with section
130 of the Charities Act; or
* the accounts did not accord with the accounting records; or
* the accounts did not comply with the applicable requirements
concerning the form and content of accounts set out in the
Charities (Accounts and Reports) Regulations 2008 other than
any requirement that the accounts give a ‘true and fair’ view
which is not a matter considered as part of an independent
examination.
| have no concerns and have come across no other matters in
connection with the examination to which attention should be drawn
in this report in order to enable a proper understanding of the
accounts to be reached.
eS * Please delete the words in the brackets if they do not apply.
[eaeSigned:ee[hteoa STa Fonea eeDoes]
PoSS [Names] eee| WK GREGORYaFRANCIS eeREEVE
Relevant professionalee ne a eee
qualification(s) or body (if
any):
re ee ee ee |
2 CRUNUS CLOSE, WES ErdD
Section B Disclosure
**----- End of picture text -----**
Only complete if the examiner needs to highlight material matters of concern (see CC32, Independent examination of charity accounts: | **----- Start of picture text -----**
directions and guidance for examiners).
**----- End of picture text -----**
Give here brief details of any items that the examiner wishes to disclose. a) \ | Wi **----- Start of picture text -----**
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