2020-12-31-accounts

Trustees' Annual Report for the period

Period start date Period end date

Day Month Year Day Month Year From 01 01 2020 To 31 12 2020

Section A Reference and administration details

Charity name Al-Zohra Education Trust

Other names charity is known by

Registered charity number (if any) 1133160

Charity's principal address[137 CHALVEY GROVE]

CHALVEY SLOUGH Postcode SL1 2TD

Names of the charity trustees who manage the charity

----- Start of picture text -----
Dates acted if not for whole Name of person (or body) entitled
Trustee name Office (if any)
year to appoint trustee (if any)
Mrs Shahnaz Chair person &
1
Akhtar Acting Treasurer
Miss Tabindah
2
Akhtar
3 Mrs Zaida Parveen
Mrs Shahnaz
4
Sadiq
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
----- End of picture text -----

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

Name Dates acted if not for whole year

April 2009

TAR

1

Names and addresses of advisers (Optional information)

----- Start of picture text -----
Type of adviser Name Address
Accountant Tim O’Brien CA The Green, Datchet Berkshire, SL3 9AS
Bank RBS PO Box 5479, 1 Spinningfields Square, Manchester, M61
0NH
----- End of picture text -----

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

Section B Structure, governance and management

Description of the charity’s trusts

Trust Deed Type of governing document (eg. trust deed, constitution) Trust How the charity is constituted (eg. trust, association, company) Appointed by existing trustees Trustee selection methods (eg. appointed by, elected by)

Additional governance issues (Optional information)

• Induction & Training of Trustees

• You may choose to include additional information, where Prior to appointment, potential trustees are required to demonstrate a

• relevant, about: strong commitment to the Trust’s work, for example through regular

•  policies and procedures involvement in our work. adopted for the induction and training of trustees; Following appointment, all trustees are required to participate in an

•  the charity’s organisational induction workshop to familiarise themselves with our Trust Deed. This workshop is led by the existing trustees.

• structure and any wider network with which the charity works; Each trustee has specific responsibilities according to their individual skills, however we all work closely together to share knowledge and

•  relationship with any related experience where required.

• parties;

•  trustees’ consideration of Risks major risks and the system and procedures to manage The trustees are satisfied that systems are in place to manage the them. identified risks.

As part of the Trust’s work involves working in close proximity to children (at the Slough supplementary school), the following measures have been implemented to ensure their protection:

• Disclosure and Barring Service (DBS) checks of all trustees and staff;

• • Child Protection Policy with which all staff are required to be familiar;
• • Training of key staff members in basic first aid and food hygiene.

April 2009

TAR

2

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)

The objects of the charity are set out in our Trust Deed as follows: - To relieve poverty and sickness of persons suffering in the UK and overseas. - To advance the education of persons in the UK. - To relieve persons in need from the Muslim community in the UK, particularly by advice and support services. - To promote and advance the religion of Islam.

The Trust carries out a range of activities in pursuit of our charitable objects as outlined above. Our activities assist beneficiaries within our areas of operation in addition to the wider community, in compliance with the requirements of section 4 of the Charities Act 2006 i.e. to have due regard to public benefit. In 2020, Covid-19 and the associated lockdown restrictions had a significant impact on our charitable activities from the cancellation of classes and fundraising events to the running of our regular projects. Supplementary School (Slough) The Trust first offered Islamic Studies classes in 2004 at hired facilities within the Slough area. Since 2013, the Chair Person has provided the Trust with the use of a premises free of charge until such time that the Trust is able to raise sufficient funds to purchase its own building. From March 2020, due to Covid-19, all classes at the premises were temporarily suspended. In July, when it became apparent that lockdown may be a longer term situation, the Trust decided to hold classes over Zoom where possible. The following classes took place until March 2020:  Weekly Tajweed (recitation of the Holy Qur’an) classes, free of charge, attended by over 25 women.  Islamic Studies classes for children aged 7-13 years, for which a one off admission charge and monthly fees were charged. Approximately twenty nine students attended classes four times per week.  Weekend Qur’an and Hadith class for girls aged 12-14. From July 2020, the following classes took place over Zoom:  Weekly_Tafsir_(interpretation of the Holy Qur’an) classes, free of charge, attended by approximately ten women.  Islamic Studies classes for children aged 7-13 years. Approximately nine students attended two times per week on Zoom, free of charge. Unfortunately, the special events that would normally take place throughout the year to coincide with significant religious events in the Islamic calendar had to be cancelled due to lockdown restrictions. Use of premises  Following the completion of the extension to the premises in 2016, the Trust continued to make extensive use of the additional facilities for classes in early 2020.

April 2009

TAR

3

• The Chair Person continued to allow the Trust to use the premises free of charge (inclusive of utility bills) for a seventh year running.

Supplementary School (Birmingham)

In early 2020, classes continued to be held on a monthly basis at the home of a local student. The classes were put on hold from February 2020 for the remainder of the year due to lockdown restrictions.

Events

This year, our regular annual events, including fundraisers and the 5 / 10k sponsored walk, were cancelled due to Covid-19 with a significant impact on fundraising.

Charitable Projects (UK)

Each year, the Trust donates Christmas hampers to the homeless Look Ahead hostels in Slough and Maidenhead. In 2020, due to Covid-19 and lockdown restrictions, our volunteers were unable to deliver this project.

Charitable Projects (Overseas)

The Trust funds a number of long term poverty relief initiatives in Pakistan in partnership with local registered NGOs. The following activities were undertaken:

• Zakat distribution (a form of specific charitable giving, regulated in accordance with the Qur’an). In previous years, we have invested in micro-finance initiatives, including start up funds and interest free loans for small businesses in partnership with the Saylani Welfare Trust International (registration no. 1145851). In 2013, we awarded 50 families with auto rickshaws worth around £1200 each on an interest free loan basis. Recipients were required to make a small initial deposit followed by 24 monthly interest free payments. A number of recipients have now repaid their loans and own the rickshaws outright. In 2014, we froze additional investment in the microfinance initiatives to focus on the new Orphan Sponsorship Programme, however ongoing repayments have continued to sustain the auto rickshaw scheme.

• Qurbani (sacrifice of livestock during Eid ul-Adha and distribution of meat to the poor). This year, we received donations for over eighty nine livestock which were distributed to the beneficiaries in Africa through our charity partner, the Al-Khair Foundation (UK registration no. 1126808). This was an increase of almost a third on the previous year.

• Orphan Sponsorship Programme . The Orphan Sponsorship Programme in Pakistan was established in 2015 in partnership with the local and highly reputable NGO, Sweet Homes Pakistan (Registered Foundation No. 1302/4). In 2019, we awarded a further grant to sponsor 100 orphan girls, funding their education, accommodation and welfare needs for the next two to three years. The girls continued to excel in their education with a number of students continuing their studies at one of Pakistan’s top private schools following scholarship awards.

April 2009

TAR

4

Advice & Support Services

• The Trust is a place where local women frequently drop in for a friendly chat and personal advice. Until lockdown, the Trust continued to provide confidential advice to women on family matters.

Policy on Grantmaking

We regularly receive donations from the public for the following:

• Charitable projects in the UK

• Poverty relief work overseas

• Zakat

• Sadaqah

• Qurbani

Our policy on grantmaking is based on utilising donations as effectively and transparently as possible. Each year, we hold an annual event to which donors are invited to view progress with our projects in Pakistan, including a film documenting progress of the Orphan Sponsorship Programme.

Overseas, we only work alongside established and registered organisations that are locally based, which in previous years have included Islamic Relief, Save the Children and the Saylani Welfare Trust International. Until 2018, the Chair Person would make a self-funded trip You may choose to include to Pakistan annually to oversee the Ramadan project and the Orphan further statements, where Sponsorship Programme. relevant, about:

• policy on grantmaking;

• policy programme related investment;

• contribution made by volunteers.

In the UK, prior to awarding a grant, at least two trustees visit the applicant to verify information provided on the application and confirm alignment with the Trust’s objectives.

Contribution by Volunteers

Since the charity’s establishment in 2004, a core team of volunteers regularly donate all of their time free of charge, often in the evenings and at weekends. Our volunteers also contribute to their own expenses and to those of the Trust, providing free supplies for the day to day running of the charity.

We have an expenses policy in order to reimburse volunteers for reasonable expenses incurred on the charity’s behalf. The expenses are covered using funds raised from the sale of homemade food, fairtrade goods and school fees. This allow 100% of donations to go towards projects whilst ensuring that financial constraints do not prevent volunteers from participating in our work.

April 2009

TAR

5

Section D Achievements and performance

Summary of the main achievements of the charity during the year

The main achievements of the charity during 2020 are summarised below:

• Ongoing use of Slough premises for classes, free of charge to the Trust.

• Classes for 7-13 year olds regularly attended by twenty nine students four days per week until March 2020 when, due to Covid, classes were suspended. When classes re-commenced over Zoom, nine students attended regularly two times per week.

• Approximately forty five adults continued to attend classes at our supplementary schools in Slough and Birmingham until March 2020. Thereafter, ten to fifteen students attended weekly classes held on Zoom.

• Ongoing partnership with charitable organisation, Sweet Homes Pakistan, with continued funding of the Orphan Sponsorship Programme for 100 orphan girls.

• Ongoing partnership with UK based registered charity Al-Khair Foundation to distribute Qurbani meat to low income families. More than eighty nine livestock distributed in Africa, an increase of more than a third on the previous year.

• Pakistan based micro-finance project providing auto rickshaws on an interest free loan basis continued to self-fund itself.

April 2009

TAR

6

Section E Financial review

Whilst the Trust does not have a formal policy on reserves, one of our Brief statement of the main forms of fundraising is the collection of Sadaqah (the Islamic charity’s policy on reserves principle of voluntary donations to charity). This ensures that sufficient reserve funds are always available for unplanned projects such as emergency disaster relief work.

Details of any funds materially in deficit

N/A.

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 ethical investment policy adopted.

Principal Sources of Funds

The charity’s main source of funding is through donations from the public. Our sources of regular income are donations, Zakat , Sadaqah and Qurbani (refer to section C for further details). Funds for specific projects are raised through activities and events (refer to section C for further details) and, if necessary, supplemented by the aforementioned sources of income.

Expenditure

The Trust has a policy to assess all potential projects against the charity objectives prior to approval. The trustees will only approve funds for a project that meet one or more of these objectives, thus ensuring that expenditure is directly aligned with the aims of the Trust.

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)

Full name(s)[TABINDAH AKHTAR ] Position (eg Secretary, TRUSTEE Chair, etc) Date 31/10/21

April 2009

TAR

7

REGISTERED CHARITY NUMBER: 1133160

Report of the Trustees and

Unaudited Financial Statements for the Year Ended 31 December 2020

for

Al - Zohra Education Trust

Tim O'Brien CA The Green Datchet Berkshire SL3 9AS

Al - Zohra Education Trust

Contents of the Financial Statements for the Year Ended 31 December 2020

		Page
Report of the Trustees		1
Independent Examiner's Report		2
Statement of Financial Activities		3
Balance Sheet		4
Notes to the Financial Statements	5	to	8
Detailed Statement of Financial Activities		9

Al - Zohra Education Trust

Report of the Trustees

for the Year Ended 31 December 2020

The trustees present their report with the financial statements of the charity for the year ended 31 December 2020. 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) (effective 1 January 2019).

STRUCTURE, GOVERNANCE AND MANAGEMENT Governing document

The charity is controlled by its governing document, a deed of trust and constitutes an unincorporated charity.

REFERENCE AND ADMINISTRATIVE DETAILS Registered Charity number

1133160

Principal address

137 Chalvey Grove Slough Berkshire SL1 2TD

Trustees

Miss T Akhtar Mrs Z Muzzam Mrs S Sadiq

Independent Examiner

Tim O'Brien ACA Tim O'Brien CA The Green Datchet Berkshire SL3 9AS Approved by order of the board of trustees on ............................................. and signed on its behalf by: 31/10/21

Tabindah Akhtar

........................................................................ Miss T Akhtar - Trustee

Page 1

Independent Examiner's Report to the Trustees of Al - Zohra Education Trust

Independent examiner's report to the trustees of Al - Zohra Education Trust

I report to the charity trustees on my examination of the accounts of Al - Zohra Education Trust (the Trust) for the year ended 31 December 2020.

Responsibilities and basis of report

As the charity trustees of the Trust you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 ('the Act').

I report in respect of my examination of the Trust's accounts carried out under section 145 of the Act and in carrying out my examination I have followed all applicable Directions given by the Charity Commission under section 145(5)(b) of the Act.

Independent examiner's statement

I have completed my examination. I confirm that no material matters have come to my attention in connection with the examination giving me cause to believe that in any material respect:

1. accounting records were not kept in respect of the Trust as required by section 130 of the Act; or

2. the accounts do not accord with those records; or

3. the accounts do 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.

I 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.

Tim O'Brien ACA Tim O'Brien CA The Green Datchet Berkshire SL3 9AS

27/09/21 Date: .............................................

Page 2

Al - Zohra Education Trust

Statement of Financial Activities for the Year Ended 31 December 2020

		31.12.20	31.12.19
		Unrestricted	Total
		fund	funds
	Notes	£	£
INCOME AND ENDOWMENTS FROM
Donations and legacies		36,894	48,959
Investment income	2	-	5
Total		36,894	48,964
EXPENDITURE ON
Raising funds	3	390	390
Charitable activities
Donations to educational charities		8,075	40,294
Total		8,465	40,684
NET INCOME		28,429	8,280
RECONCILIATION OF FUNDS
Total funds brought forward		21,793	13,513
TOTAL FUNDS CARRIED FORWARD		50,222	21,793

The notes form part of these financial statements

Page 3

Al - Zohra Education Trust

Balance Sheet

31 December 2020

		31.12.20	31.12.19
		Unrestricted	Total
		fund	funds
	Notes	£	£
CURRENT ASSETS
Cash at bank		50,222	21,793
NET CURRENT ASSETS		50,222	21,793
TOTAL ASSETS LESS CURRENT
LIABILITIES		50,222	21,793
NET ASSETS		50,222	21,793
FUNDS	6
Unrestricted funds		50,222	21,793
TOTAL FUNDS		50,222	21,793

The financial statements were approved by the Board of Trustees and authorised for issue on ............................................. and were signed on its behalf by: 31/10/21

Tabindah Akhtar

............................................. T Akhtar - Trustee

The notes form part of these financial statements

Page 4

Al - Zohra Education Trust

Notes to the Financial Statements

for the Year Ended 31 December 2020

1. ACCOUNTING POLICIES

Basis of preparing the financial statements

The financial statements of the charity, 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 1 January 2019)', Financial Reporting Standard 102 'The Financial Reporting Standard applicable in the UK and Republic of Ireland' and the Charities Act 2011. The financial statements have been prepared under the historical cost convention.

Income

All income is recognised in the Statement of Financial Activities once the charity has entitlement to the funds, it is probable that the income will be received and the amount can be measured reliably.

Expenditure

Liabilities are recognised as expenditure as soon as there is a legal or constructive obligation committing the charity to that expenditure, it is probable that a transfer of economic benefits will be required in settlement and the amount of the obligation can be measured reliably. Expenditure is accounted for on an accruals basis and has been classified under headings that aggregate all cost related to the category. Where costs cannot be directly attributed to particular headings they have been allocated to activities on a basis consistent with the use of resources.

Grants offered subject to conditions which have not been met at the year end date are noted as a commitment but not accrued as expenditure.

Taxation

The charity is exempt from tax on its charitable activities.

Fund accounting

Unrestricted funds can be used in accordance with the charitable objectives at the discretion of the trustees.

Restricted funds can only be used for particular restricted purposes within the objects of the charity. Restrictions arise when specified by the donor or when funds are raised for particular restricted purposes.

Further explanation of the nature and purpose of each fund is included in the notes to the financial statements.

2. INVESTMENT INCOME

INVESTMENT INCOME
	31.12.20	31.12.19
	£	£
Deposit account interest	-	5

continued...

Page 5

Al - Zohra Education Trust

Notes to the Financial Statements - continued for the Year Ended 31 December 2020

3. RAISING FUNDS

Raising donations and legacies

Raising donations and legacies
	31.12.20	31.12.19
	£	£
Support costs	390	390

4. TRUSTEES' REMUNERATION AND BENEFITS

There were no trustees' remuneration or other benefits for the year ended 31 December 2020 nor for the year ended 31 December 2019.

Trustees' expenses

There were no trustees' expenses paid for the year ended 31 December 2020 nor for the year ended 31 December 2019.

5. COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES

INCOME AND ENDOWMENTS FROM	Unrestricted fund £
Donations and legacies	48,959
Investment income	5
Total	48,964
EXPENDITURE ON
Raising funds	390
Charitable activities
Donations to educational charities	40,294
Total	40,684
NET INCOME	8,280
RECONCILIATION OF FUNDS
Total funds brought forward	13,513
TOTAL FUNDS CARRIED FORWARD	21,793

continued...

Page 6

Al - Zohra Education Trust

Notes to the Financial Statements - continued for the Year Ended 31 December 2020

6. MOVEMENT IN FUNDS

MOVEMENT IN FUNDS
	Net
	movement	At
At 1.1.20	in funds	31.12.20
£	£	£
Unrestricted funds
General fund 21,793	28,429	50,222
TOTAL FUNDS 21,793	28,429	50,222
Net movement in funds, included in the above are as follows:
Incoming resources £ Unrestricted funds	Resources expended £	Movement in funds £
General fund 36,894	(8,465)	28,429
TOTAL FUNDS 36,894	(8,465)	28,429
Comparatives for movement in funds
At 1.1.19 £ Unrestricted funds	Net movement in funds £	At 31.12.19 £
General fund 13,513	8,280	21,793
TOTAL FUNDS 13,513	8,280	21,793
Comparative net movement in funds, included in the above are as follows:
Incoming resources £ Unrestricted funds	Resources expended £	Movement in funds £
General fund 48,964	(40,684)	8,280
TOTAL FUNDS 48,964	(40,684)	8,280

continued...

Page 7

Al - Zohra Education Trust

Notes to the Financial Statements - continued for the Year Ended 31 December 2020

6. MOVEMENT IN FUNDS - continued

A current year 12 months and prior year 12 months combined position is as follows:

		Net
		movement	At
	At 1.1.19	in funds	31.12.20
	£	£	£
Unrestricted funds
General fund	13,513	36,709	50,222
TOTAL FUNDS	13,513	36,709	50,222

A current year 12 months and prior year 12 months combined net movement in funds, included in the above are as follows:

Unrestricted funds	Incoming Resources resources expended £ £	Movement in funds £
General fund	85,858 (49,149)	36,709
TOTAL FUNDS	85,858 (49,149)	36,709

7. RELATED PARTY DISCLOSURES

There were no related party transactions for the year ended 31 December 2020.

Page 8

Al - Zohra Education Trust

Detailed Statement of Financial Activities
for the Year Ended 31 December 2020
	31.12.20	31.12.19
	£	£
INCOME AND ENDOWMENTS
Donations and legacies
Gifts	36,894	48,959
Investment income
Deposit account interest	-	5
Total incoming resources	36,894	48,964
EXPENDITURE
Charitable activities
Grants to institutions	8,075	40,294
Support costs
Governance costs
Accountancy	390	390
Total resources expended	8,465	40,684
Net income	28,429	8,280

This page does not form part of the statutory financial statements

Page 9

lrtde ndeni Examinels Re Al- 7.iihrJ F. 'dtiiin Tru%t to the Trtjs￿S of Independent examiner's report to the trusttts of Al- ZohrA Educalion Trust I rcpN)rt io the charitN trusiees on mi. examination ol-the acLM)unts of Al- Zohrd Educion TNSI lthe Trust) for the year LndL￿d 31 DeLLmLKY 20?0. Re5POlJ5ibilitits and ba51$ of report As the chai'ii> truste￿ ot Ihe Trust you are resFonsible for the preparation of the ac￿￿nts in acLx>rdance ivith the requirements ol-the Charities Aa 2011 Ilhe Aa.). I rL'rort in respeLt ot. m%, Lxamination of ￿ Tn￿L's tiLLJ)unts carried oui undLY SLYtion 145 of the ALL and in e￿in8 out examirtaiion I have folloi¥eLI all tsppli(xble DI￿10￿$ giien Ch¥il)' Commissiort urtder seciii)n 14515KlJl i)f the ALt. Independent examlner's stAtemtnt I haiL LomplLtLd m!. LKaminaiion. l LOt)lum thai no marial m&iers hai'e come ￿ m). auention in conneclion ￿lth the e￿I￿allOn giving me cause io klithe that in an) Materi￿ rts￿l.. aLLvunting records ii'ere not kcpt in r¢srKLI of the'l'ruA &$ required iTr' seciion 130 of the Acl., or the acLounts do noi accord i%'ith iknse records= or thL aLLDunts do not Lomplk ￿1[h ihc applicable re4uirements eonceming the and eontrni of accounLS se( out in th¢ C'hariii¢s IA¢¢ounis and R¢wrtsl R¢gulations ?(K)8 (Nh¢r than an!. r¢quir¢m¢nL tha( th¢ a¢o)unts gi￿¢ a (rue and lair i ilw iihiLh is noi J maiiLr c(bnsidLYL￿ as part oran ]ndLV￿£￿nl Lxamina(ion. I hai'c nn L()nLcrn% and hai'L come acr￿$ no othcT mailers in coThncthion ii'ith Ihc cNaminaiion lo ￿'hILh ￿IlL￿tI￿n %li(iuld , Jrawn in thi% r¢￿rt in ordl'r 10 ¢mabl¢ a pn)rKr undLYsthndin&y of￿. aewunis ￿ k. rLachLXI. im (YllriLn AC"A im ()'IlriLn CA 'hL' (ifLL'n IILrkshire 1.3 DalL'. 27109121 Page 2