M U N T A DA (PAID ¥:_ 'lJl I: .() to i.) TRUSTEE&REPPRT & FINANCIAfsTATEMENTS OR THE YEAR ENDED 31 DECEMBER 2021 @ALL RIGHTS RESERVED 2022. MUNTADAAID, FIRST FLOOR, LMC BUSINESS WING, 38- 44 WHITECHAPEL ROAD, E1 1JX REG CHARITY NO: 1157117 EMAIL: INFO@MUNTADAAID.ORG
Table of Contents Chair and GM Message Constitutional Information Who We Are Our Activities and Achievements Risk Management 29 Future Plan 30 Financial Review 31 Compliance with Regulatory Requirements 32 Banking and Regulatory Restrictions 33 Structure, Governance and Management 34 In Preparing the Financial Statements 36 Pension 38 Financial Report 39
IDBI Chair & GM'S Message The year 2021 would be marked as a year of hope and tragedy. The rollout of a successful global vaccine programme, 2021, became a year of triumph of human endurance. We will also remember this year for hundreds of thousands of people worldwide becoming victims of the deadly COVID-19. Amid all of this transition, humanitarian organisations regardless of their size and scope of operations had added responsibilities to reach and deliver aid to vulnerable communities. Muntada Aid was no different. The year 2021 was one of the busiest in our recent history. In 2021, we served over 3 million meals to some of the most vulnerable communities in 17 countries, including Yemen - the biggest humanitarian crisis in a generation. Muntada Aid is in Yemen since 2020 and in last 18 months, we have served over 1.1 million meals to people living at Taiz refugee camp outside the port city of Aden. This year through our Drop of Life project we were able to provide clean drinking water to over 76,000 people in 8 countries. We constructed 375 water projects, including community water station in Africa and desalination plants in Gaza, where 95% of ground water is con- taminated and not suitable for drinking. Despite all the challenges, our team was able to travel and treat 12,00 people for cataract in Niger and Uganda. With your support we were also able to provide education sponsorships for 226 children and emergency relief to people in Gaza and Rohingya refugees in Bangladesh. This was also one of the busiest year for our Little Hearts team. We travelled to three differ- ent countries, carrying out 5 missions and performing 157 life-saving heart operations. Muntada Aid foremost remains a volunteer-led organisation. In 2021, it was no different. We had volunteers help and fundraise through numerous national, regional and local sports events. From cycling to bowling to running to rowing to organising birthday fundraisers, our volunteers helped us raise thousands of people and awareness about our projects.
All of this was possible because you trusted us with your donations and support. Thank you so much for believing in our mission. We remain committed to delivering programmes for which our donors have fundraised or do- nated. We have streamlined the delivery of programmes so that projects can be completed within a set deadline while maintaining quality. We look towards the future with a positive mindset and attitude, with a passion for assisting, developing and helping improve and transform the lives of those in need. We ask Allah to keep us sincere and help us fulfil our promise to serve humanity, Ameen. Thank you so much for believing in our mission. Naif Sheikh. GM Musaed Bin Ajlan. Chair Illli
Constitutional Information MUNTADAAID IS A CHARITABLE COMPANY LIMITED BY GUARANTEE Date Registered as a charity: 4th June 2014 Principal address: First Floor, LMC Business Wing 38-44 Whitechapel Road, London El lJX Charity Registration No: 1157117 Auditors: KWSR & CO 136 Merton High Street London SW19 Company Registration No. 08775742 Trustees: Musaed Bin Ajlan (Chairman) Hisham Bella (Treasurer) Imran Asif (Trustee) Bankers: Barclays Bank I Churchill Place, London E14 5HP General Manager Naif M Sheikh Solicitors: Lee Bolton Monier-william I the Sanctuary, Westminster, London, SVVIP 3JT Registered Off ice: First Floor, LMC Business Wing 38-44 Whitechapel Road, London El lJX URL: www.muntadaaid.org
4thDiihW' Muntada Aid is a UK registered global NGO operating in 30 countries in Africa and Asia. We focus on education and child development. healthcare and wellbeing. water. sanitation and hygiene (WASH). economic empowerment and emergency responses.
Main Objectives To reduce poverty by providing or assisting in the provision of: education, healthcare, WASH and alternative income generation programmes as well as the necessary support required to enable individuals to generate a sustainable income and thus become self-sufficient. The fulfilment of the above objectives is enshrined in our mission statement. Mission Our mission is to develop healthy and sustainable communities worldwide. Through implementing our innovative social, economic, education, and health and wellbeing programmes, we want to empower those denied social justice and human dignity, in order to make a lasting change in the world. Vison A caring and dignified world where everyone is free from poverty and has access to education and healthcare. (Pvalues Guided by the teachings of our Prophet and our Islamic principles, Muntada Aid has adopted the'l CARE, model of values. Inspiring Hope We believe that the world can be a better place, and our hope is that our actions will inspire others to be part of the change. Caring & Compassionate Our work is founded on showing care and compassion to all those that we work with. Accountability & Integrity: For us, having integ- rity means that we take responsibility for our actions and hold ourselves ac- countable in all that we do. Respect & Dignity: We will show respect & preserve the dignity of all those we work with by treating others as we wish to be treated. Excellence In working towards making the world a better place, excel- lence is the standard we set ourselves both in our conduct and our actions.
You Give. We Deliver. How Your Donations Transformed Lives in 2021 Drop of Life Feed the Forgotten Yemen Emergency Water Projects Completed Over Over 1.8 Million 780000 Meals Distributed Meals Distributed Little Hearts Gift of Sight Life-saving Children's Operations Performed Life-Transforming f4 Operations Performed Gaza Emergency Enlightened Smiles Desalination Water Plants Completed Education Sponsorships Rohingya Winter Relief 2021 380 Family Winter Packs 2300 Approx. Beneficiaries
Drop Of Life . Increasing impact of climate change and Covid - 19 have caused a big threat for our ability to pro- vide clean drinking water. However. availability of pure and clean drinking water is vital necessity for socioeconomic development and the very survival of humanity. Over 2 billion people live in countries experiencing high water stress. Access to clean drinking water is also vital for reducing waterborne diseases, improving the global economy and productivity. 785 million people in the world lack access to water close at home. Muntada Aid's Drop of Life initiative is providing life-saving clean water access to those most in need, by installing wells across Africa and Asia. Muntada Aid has provided clean drinking water solutions to over 1.65 million people so far in Asia and Africa. Continuing with our mission of providing clean and safe water, in 2021 Muntada Aid installed 375 water wells benefitting at least over 76,000 people on daily basis with clean water and livelihood support. Lack of access to clean water is one of the major causes of continuous global inequality. It pre- vents millions of children from opportunities that should be available to them everywhere. In many parts of the world. water is still a postcode lottery that allows specific communities to thrive. In contrast, others remain entangled to poverty due to poor access to cleaner water sources.
Drip of life Providing water solutions worldwide Global Water Crisis 785 million people lack access to clean water. The average woman in rural Africa walks 6 kilometres every day to haul 40 pounds of water. Every day, more than 800 children under 5 dies from diarrhoea caused by contaminated water. What is Muntada Aid Doing. We aim to provide clean water solutions to people within their communities and ease off their burden of daily searching for freshwater resources.ln last decade we have provided clean drinking water to approx. 1.7 million people worldwide. ¥rfl.- 11 (EIAID Drip of life Latif Family, Amaan & Aleesa '¥é Pakistan12021 10
Drop of Life - Impact 2021 Countries 375 Water Projects 76,525 Beneficiaries (Approx. No.) i. Since 2012 Provided clean drinking I water to approx. I 1.7 million people worldwide 11 Drtp of Ilfe
Little Hea Little Hearts is Muntada Aid's flagship project. A since April¥ e have ried out 31 missions in various_countries. During these mis onstsw have over 2200 cardiac interventiohs >nd surgeries. Muntacfa Ai tarted cardiac projert in Bangladesh in 201 E. And, so far, we have carried out o surgeries and interventions. car- rhed man nt 00 heart An estimated 15"rhillion children die or are cr'ppled annu ble heart disease in low- and middle-incomp couTrtries. ble or prevent Little Hearts provides free life-saving heart surgeries to chil ren with congenital heart defects from underprivileged backgrounds irrespertive of gender, race or religion. Our long-term aim is to build capacity and provide the necessary training requir dby doctors and other support staff, to conduct similar operations on children in Africa and Asia. '12
Littl, HEAfiT5 EVERY HEART DESERVE TO BEAT Congenital Heart Defect Crisis Each Year an estimated 1.5 million children are born with congenital heart defects and 150,000 of them do not live to see their first birthday. Thousands more die before they reach adulthood. Most of these conditions are treatable. What is Muntada Aid Doing. Our Little Hearts project provides free life-saving heart surgery to babies and children with Congenital Heart Defects from underprivileged families irrespective of gender, race or religion. 4*--rf. / ' tit4.É). c-:.. . 13
Little Hearts - Impact 2021 Countries Missions Life- Saving Children's I Operations Little Hearts Programme Impact 12 Countries 36 Missions a> Life- Saving Children's i Operations 14
The Art of Giving How Your Donations Saved Safiya Safiya (5) loves to pose for a frame. But, behind this addictive smile lies years of pain and lost childhood. She was first diagnosed with a Congenital Heart Defect when she was just 2-months old. But due to a lack of financial resources and specialised medical care not available in the country, her parents could not provide her with the treatment she needed. A local hospital in Libya recently informed her parents about our upcoming deployment in Tripoli country's capital. And after the initial assessment, she was operated on Monday for a medical condition known as an atrial septal defect (ASD). According to our team in Libya, her procedure went well, and she now has the opportunity to live and enjoy a healthy childhood. Thank you so much for making us the vessel to support children like Safiya. WHY LIBYA? Despite substantial oil reserves, Libya is facing economic collapse, political instability, and on- going conflict between violent militias that has forced most of its medical professionals to leave the country in recent years. Most of the children in Libya suffering from this crippling disease lack access to specialist care due to the ongoing conflict and poor socio-economic family situations. We aim to provide quality and free access to such treatments to as many children as possible. This is Muntada Aid's 39th Little Hearts mission overall. Over the years, we have saved thou- sands of children from Congenital Heart Defects. 15
For Musa. It's Always the Reds The Liverpool Football club holds a special place in Musa Hamad's heart. But his 9-year-old heart suffers from a congenital condition known as Pulmonary Stenosis. Running and scoring goals like Mohamed Salah only happens in dreams- the actual football pitch is out of bounds at the moment for Musa. He is also a darling of his three elder sisters and a Mama's boy. "His three sisters love him to bits. He is a very obliging child and a great help when it comes to household chores, said his mother during her conversation with Kabir Miah, programmes manager, Muntada Aid at Coast General hospital Mombasa where our team is currently on deployment. Our team of internationally renowned paediatric cardiac surgeons treated Musa on the third day of their mission. His procedure went well, and hopefully, in the future, he will be scoring goals for his local team and one day for Liverpool FC. About Kenya Deployment: The mission started on the 13th of December and finished on the 17th of December. We were able to treat over 40 children during the course of this deployment. During our first deployment in Kenya, our team carried out 35 interventions earlier in July 2021. "During our first mission, we found that there is a greater need for such deployments in Kenya. Mombasa is home to over a million people with no paediatric interventional care available to children. Our long~term objective is to build human resources capacity in Kenya so that local doctors can carry out these interventions, ' said Kabir Miah, Programmes Man- ager at Muntada Aid. 16
Do You Know? Each year an estimated 1.5 million children are born with Congenital Heart Defects. 10% of babies born with CHD out of 1.5 million do not survive their first year of life About Little Hearts Programme Our Little Hearts project provides free life-saving heart surgery to babies and children with Congenital Heart Defects from underprivileged families irrespective of gender, race or reli- gion. Impact Since 2012, the Little Heart team has travelled to 10 different countries carrying out over 22,00 operations and interventions on children. The mission to Kenya is our 35th deploy- ment. HEAftT5 HEART Littl• . HEAftTS - HEART LTttI• HEArl HEfiftTS f(EAfiT5 HEART /3.1 Little rfEART5 OE HEAR DESERk'ES DESERVES JESERVES I IIAR , MBEA EVERY DESERI,EÉ TO BEAT TO BEAT TO BEAT , TO BEAT HEART OESERVES TQBEAT
WeDidlt- Hijrah Ride 1443 "It was never easy. Every stage of this Hijrah Ride obstacles were thrown in our way," said emotional and very tired Shamsul Abdin after a gruelling day of cycling; the team fi- nally reached at the gates of Al-masjid an-Nabawi in Medina. The H&K Cycle Club team members are used to hostile terrains during the annual 3 Cities Tour. Still, the desert heat, humidity and wind speed that hits them every day during Hijrah Ride have tested their stamina and resolve throughout this challenge. "It was like being in an air-fryer and sandblast simultaneously," said Soifur Rahman. ¢WAIQ CC HI.JPfjH PIDF The cyclists from the H&K CC team par- ticipated in the UK'S first Hijrah Ride to support children suffering from con- genital heart defects living in Asia and Africa. The London based club has been one of the most dedicated and passionate supporters of Muntada Aid's Little Hearts project. We have carried out three missions in Bangladesh, Kenya, and Egypt with their support. IOTHto18TH MARCH I Kc Over the last three years, the team has raised close to £200,000 for this project alone. They are also supporting an edu- cation programme in East Africa. SUPPORTING LITTLE HEARTS EVERY HEAR T DESERVES TO BEAT REGCHARITY IK>.1157117 WL. hNFO 18
! p¥:- Food IT IS SHOCKING THAT IN A WORLD, WHERE WE PRODUCEfN FOOD THAT MILLIONS OF PEOPLE STILL GO TO BED EMPTY ACH EACH NIGHT. Each year Muntada Aid through its Feed the Forgotten (tncluding, Qurbani campaign) programme provides food assistance to thor*- sands of people in some of the most vulnerable areas. Our programme operates in 23 countries with a permanent project in Yemen; one of the worst humanitarian crisis in a generation. Through Feed the Forgotten, we provide people with meals and food packs that provide food to a family of 5 for up to a month. During the course of Ramadan, our teams in these countries provide Iftar meals and food assistance to people in need. Our Ramadan food parcels constitute wheat or rice (dependent on the country), pulses, cooking oil, dry milk powder, salt and sugar. 19
FEED;FORGOTTEN Global Hunger Crisis 30 million more people were affected by hunger as a result of the coronavirus pandemic in 2020. 11N9 2.37BN People did not have access to enough safe and nutritious food in 2020. People globally are hungry or under-nourished About our Programme Our Feed the Forgotten programme is providing food to families living in conflict zones, economically poor, and people living areas affected by climate change. Our progr- amme operates in 23 countries with a permanent project in Yemen; one of the worst humanitarian crisis in a generation. Through Feed the Forgotten, we provide people with meals and food packs that provide food to a family of 5 for up to a month. 20
Muntada Aid Impact In 2021 kq 18 Countries Over 1.8 Million Meals Shared Since 2020 23 Countries Over 3 Million Meals Shared 21
I'JJ IE Yemen Emergency Yemen remains one of the largest humanitarian crises in the world, with around 21 million people in need of humanitarian assistance, including more than 11 million children. What is Muntada Aid Doing. Muntada Aid is in Yemen since 2020 providing food assistance at Taiz Refugee camp. Most of the people living at this camp are from the port city of Hodeidah after fighting erupted between the warring factions in 2018. 22
Muntada Aid Impact 2021 We Distributed Over 750,000 Meals at Taiz Refugee Camp in 2021. AUAMAM TOMATO PASTE 4• Since July 2020 We Have Distributed Over l.l Million Meals 23
GIFT OF SIGHT PROVIDING LIFE-TRANSFORMING CATARACTS OPERATIONS Cataract Blindness Crisis An estimated 5 million people are blinded by cataract each year. Blindness affects more than 4% of the population in parts of sub-saharan Africa. WJKTIIII A NIGE 4 1 ryi What is Muntada Aid Doing. Our missions are uncomplicated, but their impact on individuals, families and communities is life transforming. Each successful cataract operation means independence, freedom of movement, working and seeing the faces of the family again. In 2021, we performed 1200 life transforming eye operations in Niger and Chad. We organized these missions in partnership with IHH, Istanbul and Alliance of International Doctors, Istanbul. 24
M U NT ADA )AID i- IT WASSIX YEARS Q WAITING FOR MARYAM TO SEE RAHMAN It Was Six Years of Waiting for Maryam to See Rahman Maryam Salah is 60 years old, and her husband Abdul Rahman Al Hassan is touching his 90s. They live a peaceful life with their children and grandchildren in Tasaq, some l 00 kilometres from the town of Tahoua in the south of Niger. We met them on the third day of our ongoing Gift of Sight mission in Niger. They were resting after doctors had removed their eye patch earlier in the day. Both could see us through their dark sunglasses, but that has not been the case. They have been waiting for this opportunity to see each other for over six years. Maryam developed cataracts on both eyes six years ago. Abdul Rahman could not see from his left eye due to a cataract, and his vision had deteriorated further as this cloud was now shad- owing his right eye. He is the father of my children, and they are a part of him. So, the first person I wanted to see was him after my sight." said Maryam. Due to the lack of public health infrastructure, the couple had been waiting for their interven- tions for years. Niger is one of the poorest countries in the world. According to the United Na- tions, they rank lowest on their global development index. Muntada Aid is in Niger organising missions where people living in remote areas are treated for this crippling condition. Since 2020, we have operated on nearly 3000 people blinded or par- tially blinded by cataracts. This August, we will operate on at least l 000 people living in and around Tahoua, some 350 kilometres south of Niamey, the country's capital city. They heard about our mission on the radio and decided to take the 100-kilometre-long journey with the help of Abdul Rahman's sister. If this camp did not happen, we would have lived blind, but we would have still thanked Allah," said Maryam. 25
Muntada Aid-lmpact 2021 1200 Life-Transforming Eye OPERATIONS ffl 11 26
GAZA Emergency The people of Gaza continue to suffer. The blockade and the war have caused years of suffering. The public infrastructure and services are badly damaged. According to various reports 95 % of the ground water in Gaza is "well above" the guidelines for safe drinking water. About 50 percent of Gaza's children suffer from water-related infections. The recent conflict has had a far-reaching and devastating impact on children's wellbeing, according to a new report by Euro-med Human Rights Monitor, 90 % of the children in Gaza suffer from PTSD. Muntada Aid In Gaza 4 To help people overcome this diabolical situation in Gaza, ',y l Muntada Aid is installing water desalination plants and also providing Emergency Psycholo- gical Support to children in Gaza. Impact 2021 Desalination Plants Eid Gifts to Children Emergency Aid Providing Psychological Suport to Children 27
CriLi9hLcncd Some 750 million adults- two thirds of them women- remained illiterate in 2016.Half of the global illiterate population lives in South Asia, and a quarter live in sub-saharan Africa. More than half of children that have not enrolled in school live in sub-saharan Africa, and more than 85 per cent of children in sub- Saharan Africa are not learningthe minimum. In 10 low and middle-income countries, children with disabilities were 19percent less likely to achieve minimum proficiency in reading than those without disabilities. Impact 2021 sponsored 226 Children With Education 28
Risk Management: The major strategic and operational risks Muntada Aid exposed are being monitored and managed by Senior Management Team. The assessment is reviewed by Finance Team and pass to the Board of Trustees for their consideration. The process identify the types of risk that the charity faces and then record them on the Strategic Risk Register, followed by prioritisation of risks in terms of likelihood of occurrences and their potential impact. 29
Future Plan: The Board of Trustees and the GM are aware of the challenges Muntada Aid faces are committed to resolving these in order to ensure that Muntada Aid can continue support those it works with. However, in this challenging environment it may take longer than expected. The Board and the GM have committed to a new strategicoplan (2022- 2027) to guide Muntada Aid through the next 5-year phase with a focus on serving our end users within a financially sustainable model. To make the organisation more sustainable, we have embarked in- novative fundraising and cost management initiatives. Importantly, the Board has recently approved a detailed review of the finances and organisational re-design. The objective is to ensure that there are robust systems of internal control and financial management in place enabling Muntada Aid to achieve its strategic objectives. The Charity is committed to building on the progress and continue its endeavour of improving efficiency. Last year Muntada Aid introduced a more robust partner selection process, frequent site visits, monitoring documents, enhanced due diligence, recruitment of qualified staff and stronger oversight on all aspects of the functions of the charity by senior management team. In 2021 we successfully recruited few fundraising and implementing partners following the new partner selection process and proce- dure. The strategic plan will reinforce Muntada Aid's declared objective of 'serving humanity, through transforming lives with our unique set of programmes focused on empowering the poorest and most margin- alised. The strategic plan is based on the results of a wide ranging consultation at all levels within the charity. 30
Financial Review: Muntada Aid recognises the challenges ahead in terms of particular risks in relation to achieving a sustainable financial model of its cost base, increas- ing unrestricted fund income level and improving business process efficien- cies and their cumulative impact on charity's strategic plan. Due to Trustee's decision to adopt full cost recovery model in 2020, Muntada Aid managed to secure enough un-restricted funds in 2021 to cover fundraising, governance and support costs which was not possible in 2020. We will continue to implement full cost recovery model to further strength- en Muntada Aid financially so the organisation is able to full fill donor's trust, deliver programmes efficiently. This will allow the organisation to grow and implement programmes for those in need around the world. OK
Compliance with Regulatory Requirements: Muntada Aid has invested in a compliance function to ensure all aspects of compliance and standards are being managed effectively to continue to build public trust and to drive transparency and governance within the or- ganisation. All fundraising activities go through a stringent process to ensure a business case proposal is submitted with rationale of the event, ex- penditure, income projection, programme, communication and press & media requirements- as well as relevant due diligence on stakeholders in line with our policy. We work very closely with all stakeholders (internal and external) and review compliance, branding, and legal queries as required for the betterment of the organisation. As part of our GDPR compliance process, we have established a security-con- scious workflow and adequate administrative data & technical measures to protect personal data. We are establishing thorough controls over the entire IT infrastructure, building healthier data protection workflows, and stream- lining security monitoring to better manage what is going on across our net- work. The GDPR process enabled us to build a better level of relationship with donors that are keen to hear from us and receive updated information about our campaigns and how they can be part of ourjourney by supporting us as required. As donors are becoming more and more con- scious about how their data is being handled, we have been transparent and have taken a proactive approach to build trust in our brand. 32
Banking and Regulatory Restrictions: One of the risks is considered to be restrictions on fund transfers to certain countries and the potential loss of banking facilities. Mitigation measures included strength- ening relationships with banks, being sensitive to their concerns, awareness of changes in overseas transfer requirements and developing multiple payment options. The Board of Trustees have established an Internal Audit and Compliance Committee that includes non-executive experts that oversees risk, f inance, and audit from a strategic and governance perspective. The committee aimsto conduct periodical audit and random check in order to ensure that the charity is compliant with its risk management policy. 33
Structure. Governance and Managemen The charitywas incorporated on 14 November 2013 a company limited by guarantee. The charity is governed by its memorandum and articles of association approved in November 2013. The charity was registered with charity commission as a charity on 4 June 2014. 34
Organisational Structure: A change process was competed injune 2021 giving rise to operational alignment and greater efficiencies. The trustees have delegated the day to day running of the charity to the Chief Executive Officer who is accountable to the trustees. The trustees have regular meeting to assess the performance of the charity. The Board of Trustees also works with key stakeholders and makes sure that we satisfy the regulatory requirements on us as a charity. The CEO engages actively with the Senior Management of the Charity in order to improve Muntada Aid's abili- ty to respond to disasters and develop continuous development programmes. Systems for line management, appraisals, staff development and supervision are in place, together with an accountability framework, and grievance and complaints procedures. Reports are sub- mitted to the Charity Commission and Companies House by the Trustees, as required by law. Pay Policy for Senior Staffr. Payfor senior staff is reviewed annually. During Financial year 2021, there were no staff members who received a salary of more than £60.000. Board of Trustees: The Board of Trustees comprised of three trustees. They are responsible for all matters pertaining to governance of the charity and policy making. They are also responsible to provide adequate guidance and strategic dirertions to the manage- ment of the charity so that they can implement programmes and projerts in an efficient and transparent manner, within its policy framework, thus fulfilling the stated aims and objectives of the charity. Trustees, responsibilities in relation to the financial statements: The Trustees are responsible for keeping adequate accounting records that are sufficient to show and explain the Charitys transartions and disclose with reasonable accuracy at any time the financial position of the Charity and enable them to ensure that the financial state~ ments comply with the Charities Act 2011. The Trustees are responsible for preparing the Trustees, Report and the financial state- ments for each financial year in accordance with the law applicable to charities in England & Wales. The Trustees have elected to prepare the financial statements in accordance with United Kingdom Generally Accepted Accounting Prartice (United Kingdom Accounting Standards) and applicable law, and in accordance with Accounting and Reporting by Chari- ties: Statement of Recommended Prartice (Charities SORP- FRS102). 35
In preparing the financial statements the trustees are required to: Selert suitable accounting policies Observe the methods and principles in the Charities SORP (FRS102). Make judgments and accounting estimates that are reasonable and prudent. State whether applicable accounting standards have been followed, subject to any material departures disclosed and explained in the financial statements. Prepare the financial statements on the going concern basis unless it is appropriate to presume that the charity will continue its operation smoothly. Under Companies/Charity Law the Trustees must not approve the financial statements unless they are satisfied that they give a true and fair view of the state of affairs of the Charity, its income and application of resources of the Charity for that period. Trustees are also responsible for safeguarding the assets of the Charity and hence for taking reasonable steps for the prevention and detertion of fraud and other irregularities. So far as each of the Trustees at the date of this report is aware, there is no relevant audit information of which the charitys auditor is unaware. Each Trustee has taken all the steps that he/she ought to have taken as a trustee in order to make himself aware of any relevant audit information and to establish that the charitys auditor is aware of that information. The Trustees have exercised due diligence and care in protecting the integrity of the Charity and its repu- tation. The Trustees take this opportunity to thank Muntada Aid stakeholders, in particular our generous donors and benefactors and staff for their support and faith in Muntada Aid's commitment and ability to deliver relief and development programmes where needed most. 36
Governance code: The Charity Governance Code sets out the principles and recommended practice for good governance within the sertor. The charity is reviewing its current governance arrangements against the principles within the code annually and address any issues raised. Public Benefit: The Trustees confirm that they abide bythe Charity Commission's general guidance on public benefit in accordance with the Charities Act 2011 to have due regard to public benefit in pursuance of the Charitys aim as described above in"PUBLIC STATEMENT,. Risk and Audit Committee: The Board of Trustees have established an Internal Audit and Compliance Committee that in- cludes non-executive experts that oversee risk, finance, and audit from a strategic and gov- ernance perspertive. The committee aims to conduct periodical audits and random checks to ensure we always comply with our risk management policy. The Key Duties of the Committee: Review the Charitys financial statements before submission to the Board. Investigate any artivity, its effertiveness within its systems for the integrity of the Charitys internal financial controls, and assessing the effertiveness of the risk management framework. Seek any information that it requires from any employees of the charity. Oversee the internal control and risk management function within the Charity including procedures for deterting fraud, monitoring the effertiveness of the systems for the integrity of the Charity's internal financial controls and assessing the effectiveness of the risk man- agement framework. Obtain outside legal or independent professional advice, at the Charity's expense, if necessary. The Committee also considers the financial plans and performance of Muntada Aid and the cost effective and efficient operation of the Charity. 37
Roles of the CEO /General Manager and Senior Management: The Trustees delegate the day-to-day running of the charityto the CEO and the Senior Management Team (SMT). The CEO reports to the chair of the Board on a biweekly basis and the Trustees sit for formal meetings three times a year. The organisation is made up of structured departments function- ing as independent units with clear reporting lines. Systems for line management, appraisals, staff de- velopment and supervision are in place, together with an accountability framework, and grievance and complaints procedures. O Trustee induction and recruitment: To make sure we benefit from a professional, appropriate board, we provide trustees with compre- hensive induction and on-going training in new or emerging areas or responsibility. New trustees receive a full overview of our strategic and operational functions, as well as welcome pack which includes a copy of the Memorandum and Articles of Association, the financial statements, Board minutes and the Charity Commission guidance The Essential Trustee,. Trustees are encouraged to identify theirtraining needs. The General Manager (GM) keeps trustees up to date with changes in regulatory standards and training possibilities. The Board of Trustees receives regular performance reports, annual financial reports, plans and budgets. Muntada Aid shall develop and maintain a skills matrix to identify and recruit trustees and in selerting individuals for appointment as charity trustees, shall have regard to the benefits of diversity among the trustees and the skills, knowledge and experience needed for the effective administration of the Charity. o Key Management Personnel and Remuneration Policy: The organisation is made up of structured departments functioning as independent units with clear reporting lines. Systems for line management, appraisals, staff development and supervision are in place, together with an accountability framework as well as grievance and complaints procedures. The Senior Leadership Team (SLT) is considered to be key management personnel and consists of the CEO / GM, heads of each Departments. Remuneration for all senior staff is based on annual appraisals carried out bythe CEO / GM or Chairman and then reviewed by an appropriate committee. The review of pay takes into consideration roles and responsibilities together with relevant market rates. {( Pension: The charity has complied with auto-enrolment legislation. Since 2017 employees has been offered an employerfs contribution of1 % against a 1 % employee's contribution. In 2021 the employerfs contributed has raised to 3 % against a 4% employee's contribution. 38
Indlvldual Income Tax Return 21 •0 go lo IP• c a • t*xJ b¢yn t>rfcn 2. Iwg ty•. •t¢ Attxh FtyYr4s) w.2 Ac •Olfw•a VfyxfW•d.: lotp. 10• FINANCIA REPORT 39
INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS AND TRUSTEES OF MUNTADAAID We have audited the financial statements of Muntada Aid for the year ended 31 December 2021 which comprise a Statement of Financial Activities, Balance Sheet and related notes. The financial reporting framework that has been applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice). Respective Responsibilities of the Governors and Auditors The Governors as Trustees (who are also the dirertors of the charitable company for the pur- pose of company law) are responsible for preparation of the financial statements and for being satisfied that they give a true and fairview. Our responsibility is to audit and express an opinion on the financial statements in accordance with applicable law and International Standards on Auditing (UK & Ireland). Those standards require us to comply with the Audit- ing Practices Board's Ethical Standard for Auditors. Scope of the Audit An audit involves obtaining evidence about the amount of disclosures in the financial state- ments sufficient to give reasonable assurance that the financial statements are free from material misstatement, whether caused by fraud or error. This includes an assessment of: whether the accounting policies are appropriate to the companls circumstances and have been consistently applied and adequately disclosed; the reasonableness of significant ac- counting estimates made bythe Governors; and the overall presentation of the financial statements. Opinion on the Financial Statements In our opinion the financial statements: give a true and fairview of the state of the companls profit or loss for the year ended 31 December 2021; have been properly prepared in accordance with United Kingdom Generally Accepted Accounting Practice; and have been prepared in accordance with the requirements of the Companies Art 2006 and the Charities Act 2011.
Opinion on other matters prescribed by the Companies Act 2006 In our opinion the information given in the Trustees Report for the financial year for which the financial statements are prepared is consistent with the financial statements. Matters on which we are required to report by exception We have nothing to report in respect of the following matters where the Companies Act 2006 requires us to report to you if, in our opinion: Adequate accounting records have not been kept; or • Certain disclosures of trustees, remuneration specified by law are not made; or • We have not received all the information and explanations we require for audit; or • The Trustees were not entitled to prepare the financial statements in accordance with the Small Companies regime and take advantage of the Small Companies Exemption in pre paring the Report of the Trustees. On behalf of KWSR & Co.: Susan Rahman. Bsc FCA (Senior StatutoryAuditor) KWSR & Co. Chartered Accountants & Registered Auditors 136 Merton High Street, London SW19 1 BA 22nd September 2022 41
MUNTADAAID STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 31 DECEMBER 2021 Notes Unrestricted Funds Restricted Endowment Funds Funds Total 2021 Total 2020 INCOME FROM Donations and legacies 323,279 1,035,646 1,358,925 1,448,722 Job Retention Scheme Grant 70,471 70,471 65,210 Total income 393.750 1.035.646 1.429.396 1.513.932 EXPENDITURE ON Raising funds Property management costs 41,537 152,379 193,916 191,627 24,150 Expenditure on charitable activities Emergency Relief Education 9,809 32,039 147,623 244,392 18,210 242,817 173,728 239,211 254,201 50,249 390,440 173,728 239,211 421,493 73,232 228,769 65,894 387,051 Healthcare WASH Religious Dues Total Charitable expenditure 189.471 918.358 1,107.829 1.176.439 Total expenditure 231.008 1.070.737 1.301.745 1.392.216 Net income / (expenditure) and net movement in the funds for the year 162,742 (35,091) 127,651 121,716 Net Movement in funds 162.742 (35.091) 127.651 121.716 Reconciliation of funds Funds balances brought forward (136,686) 369,751 2,010,826 2,243,891 2,122,175 Funds balances carried forward 26.056 334.660 2.010.826 2.371.542 2.243.891 Hisham Bella Trustee & Treasurer 42
MUNTADA AID BALANCE SHEET FOR THE YEAR ENDED 31 DECEMBER 2021 Notes Total 2021 Total 2020 FIXED ASSETS Tangible assets 3,125,143 3,128,188 3,125,143 3,128,188 CURRENT ASSETS Debtors 107,293 206,472 24,340 163,877 Cash at bank and in hand 313.765 188.217 Creditors: falling due within one year (52,720) (57,868) Net current assets 261.045 130.349 Total assets less current liabilities Creditors: falling due after more than 1 year 3,386,188 3,258,537 (1,014,646) (1,014,646) Net assets 2.371.542 2.243.891 THE FUNDS OF THE CHARITY: Unrestricted income funds General funds Designated funds Restricted income funds Endowment funds 19,033 7,023 334,660 2,010,826 (146,754) 10,068 369,751 2,010,826 Total charity funds 11 2.371.542 2.243.891 Hisham Bella Trustee & Treasurer 43
MUNTADAAID CONSOLIDATED STATEMENT OF CASH FLOWS FOR THE YEAR ENDED 31 DECEMBER 2021 2021 2020 CASH FLOW STATEMENT Net cash inflow from operating activities Payments to acquire tangible fixed assets 45,061 (2,466) 72,890 (7,399) Increase in cash in the year 42.595 65.491 NOTE TO THE CASH FLOW STATEMENT Reconciliation of chan in net funds to net cas operating activities es in movement inflow from Movement in net funds Add: Depreciation Decrease / (Increase) in debtors Increase / (Decrease) in creditors 127,651 5,511 (82,953) (5,148) 121,716 6,384 (24,126) (31,084) Net cash inflow / (outflow) from operating activities 45.061 72.890 Analysis of change in net funds Opening balance 01 January 2021 Closing balance 31 December 2021 Cash Flow Movement Cash at bank and in hand 163.877 42.595 206.472 Hisham Bella 44
MUNTADA AID NOTES TO THE FINANCIAL STATEMENT FOR THE YEAR ENDED 31 DECEMBER 2021 (I) SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (a) General information and basis of preparation Muntada Aid is a registered charitable company limited by guarantee in England & Wales. In the event of the charity being wound up, the liability in respect of the guarantee is lim- ited to £ 1 per member of the charity. The address of the registered office is given in the charity information on page 4 of these financial statements. The nature of the charity's operations and principal activities are development of education, child development, de- velopment of healthcare & wellbeing, development of water &sanitisation, and hygiene facilities, economic empowerment and emergency response. The charity constitutes a public benefit entity as defined by FRS102.The financial state- ments have been prepared in accordance with 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 issued in October 2019, the Financial Reporting Standard applicable in the in the United Kingdom and Republic of Ireland (FRS 102),the Charities Act 2011, the Companies Act 2006 and UK Generally Accepted Accounting Practice. The financial statements are prepared on a going concern basis under the historical cost convention, modified to include certain items at fair value. The financial statements are presented in sterling which is the functional currency of the charity .The significant ac- counting policies applied in the preparation of these financial statements are set out below. These policies have been consistently applied to all years presented unless other- wise stated. (b) Funds Unrestricted funds are available for use at the discretion of the trustees in furtherance of the general objectives of the charity and which have not been designated for other pur- poses. Designated funds comprise unrestricted funds that have been set aside by the trustees for particular purposes. The aim and use of each designated fund is set out in the notes to the financial statements Restricted funds are funds which are to be used in accordance with specific restrictions imposed by donors or which have been raised by the charity for particular purposes. The cost of raising and administering such funds are charged against the specific fund. The aim and use of each restricted fund is set out in the notes to the financial statements. En- dowment funds represents those assets which must be held permanently by the charity. Income arising on the endowments funds can be used in accordance with the objectives of the charity and is included as unrestricted income. Any capital gains or losses arising on the investments form part of the fund. Investment management charges and legal advice relating to the fund are charged against fund. 45
MUNTADA AID NOTES TO THE FINANCIAL STATEMENT FOR THE YEAR ENDED 31 DECEMBER 2021 (c) Income recognition All incoming resources are included in the Statement of Financial Activities (SOFA) when the charity is legally entitled to the income after any performance conditions have been met, the amount can be measured reliably and it is probable that the income will be re- ceived. For donations to be recognised the charity will have been notified of the amounts and the settlement date in writing. If there are conditions attached to the donation and this requires a level of performance before entitlement can be obtained then income is de- ferred until those conditions are fully met or the fulfilment of those conditions is within the control of the charity and it is probable that they will be fulfilled. Donated facilities and donated professional services are recognised in income at their fair value when their economic benefit is probable, it can be measured reliably and the charity has control over the item. Fair value is determined on the basis of the value of the gift to the charity. For example, the amount the charity would be willing to pay in the open market for such facilities and services. A corresponding amount is recognised in ex- penditure. No amount is included in the financial statements for volunteer time in line with the SORP. Further detail is given in the Trustees, Annual Report. Where practicable, gifts in kind donated for distribution to the beneficiaries of the charity are included in stock and donations in the financial statements upon receipt. If it is im- practicable to assess the fair value at receipt or if the costs to undertake such a valuation outweigh any benefits, then the fair value is recognised as a component of donations when it is distributed and an equivalent amount recognised as charitable expenditure. Fixed asset gifts in kind are recognised when receivable and are included at fair value. They are not deferred over the life of the asset. For legacies, entitlement is the earlier of the charity being notified of an impending distri- bution or the legacy being received. At this point income is recognised. On occasion lega- cies will be notified to the charity however it is not possible to measure the amount ex- pected to be distributed .On these occasions, the legacy is treated as a contingent asset and disclosed. Income from trading activities includes income earned from fundraising events and trad- ing activities to raise funds for the charity. 46
MUNTADA AID NOTES TO THE FINANCIAL STATEMENT FOR THE YEAR ENDED 31 DECEMBER 2021 (c) Income recognition Income is received in exchange for supplying goods and services in order to raise funds and is recognised when entitlement has Occurred. Income from government and other grants are recognised at fair value when the charity has entitlement after any performance conditions have been met, it is probable that the income will be received and the amount can be measured reliably. If entitlement is not met then these amounts are deferred. Investment income is earned through holding assets for investment purposes such as shares and property. It includes dividends,interest and rent. Where it is not practicable to identify investment management costs incurred within a scheme with reasonable ac- curacy the investment income is reported net of these costs. It is included when the amount can be measured reliably. interest income is recognised using the effective interest method and dividend and rent income is recognised as the charitys right to receive payment is established. Other income includes the conversion of endowment funds into income which arises when capital funds are released to an income fund from expendable endowments or when a charity has authority to adopt a total return approach to its permanent endow- ment fund. It also includes other income such as gains on disposals of tangible fixed assets. (d) Expenditure recognition All expenditure is accounted for on an accruals basis and has been classified under head- ings that aggregate all costs related to the category. Expenditure is recognised where there is a legal or constructive obligation to make payments to third parties, it is probable that t the settlement will be required and the amount of the obligation can be measured reliably. It is categorised under the following headings: * Cost of raising funds includes Printing, Mailing, Digital Marketing, Advertising, Sponsor- ship and merchandise, Treks and challenges Expenditure on charitable activities includes economic empowerment, emergency relief, education, healthcare, wash and religious Due Other expenditure represents those items not falling into the categories above. 47
MUNTADA AID NOTES TO THE FINANCIAL STATEMENT FOR THE YEAR ENDED 31 DECEMBER 2021 (d) Expenditure recognition Irrecoverable VAT is charged as an expense against the activity for which expenditure arose. Grants payable to third parties are within the charitable objectives. Where unconditional grants are offered, this is accrued as soon as the recipient is notified of the grant, as this gives rise to a reasonable expectation that the recipient will receive the grants. Where grants are conditional relating to performance then the grant is only accrued when any unfulfilled conditions are outside of the control of the charity. (e) Support cost allocation Support costs are those that assist the work of the charity but do not directly represent charitable activities and include office costs, governance costs, administrative payroll costs. They are incurred directly in support of expenditure on the objects of the charity and include project management carried out at Headquarters. Where support costs cannot be directly attributed to particular headings they have been allocated to cost of raising funds and expenditure on charitable activities on a basis consistent with use of the resources overheads have been allocated on the basis of full cost recovery method based on expenditure proportion of each project and fundraising cost. Fund-raising costs are those incurred in seeking voluntary contributions and do not in- clude the costs of disseminating information in in support of the charitable activities. The analysis of these costs is included in notes (4, 5, 6,14,15 & 16) (n Tangible fixed assets Tangible fixed assets are stated at cost (or deemed cost) or valuation less accumulated depreciation and accumulated impairment losses. Cost includes costs directly attributa- ble to making the asset capable of operating as intended. Depreciation is provided on all tangible fixed assets, at rates calculated to write off the cost, less estimated residual value, of each asset on a systematic basis over its expected useful life as follows: IT equipment 25 % Straight line basis. The method has been changed from this year. ( Last year 25 % reducing balance basis ) . 48
MUNTADA AID NOTES TO THE FINANCIAL STATEMENT FOR THE YEAR ENDED 31 DECEMBER 2021 (g) Debtors and creditors receivable / payable within one year Debtors and creditors with no stated interest rate and receivable or payable within one year are recorded at transaction price. Any losses arising from impairment are recog- nised in expenditure. (h) Loans and borrowings Loans and borrowings are initially recognised at the transaction price including transac- tion costs. Subsequently, they are measured "at amortised cost using the effective inter- est rate method, less impairment. If an arrangement constitutes a finance transaction it is measured at present value. ( l ) Provisions Provisions are recognised when the charity has an obligation at the balance sheet date as a result of a past event, it is probable that an outflow of economic benefits will be re- quired in settlement and the amount can be reliably estimated. 49
MUNTADA AID NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021 Donations and legacies 2021 Unrestricted 2021 Restricted Total 2021 2020 Unrestricted 2020 Restricted Tota I 2020 Received in UK 302,649 968,210 1,270,859 381,551 842,588 1,224,139 302.649 968.210 1.270.859 381.551 842.588 1.224.139 Gift Aid - tax claim 20,630 67,436 88.066 28,237 71,456 99,693 Gift in Kind 190,100 190,100 323.279 1.035.646 1.358.925 409.788 1.104.144 1.513.932 50
MUNTADA AID NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021 Expenditure On Direct Costs Human Resources Support Costs Total 2021 Costs Tota I 2020 Costs Raising Funds Property management costs 88,528 89,251 16,137 193.916 191,627 24,150 Charitable activities Emergency Relief Education 172,918 49,763 31,520 254.201 421,495 34,181 9,837 6,231 50.249 73,232 Healthcare 265,594 76,434 48,413 390.441 228,768 WASH 118,177 34,009 21,541 173.727 65,894 Religious Dues 162,721 46,827 29,663 239.211 387,050 Total Charitable activities 753.591 216.870 137.368 1.107.829 1.176.439 Total resources expended 842.119 306.121 153.505 1.301.745 1.392.216 Support costs Office Costs Finance & IT Costs Governance Costs Total 2021 Tota I 2020 Raising Funds 12,967 1,345 1,825 16.137 12,779 Charitable activities Emergency Relief Education 25,327 2,628 3.565 31,520 40,576 5,006 520 705 6,231 7,050 Healthcare 38,901 4,037 5,475 48,413 22,023 WASH 17,309 1,796 2,436 21,541 6,343 Religious Dues 23,835 2,473 3,355 29,663 37,261 Total Support costs 123.345 12.799 17.361 153.505 126.032 51
MUNTADA AID NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021 5 Governance Costs 2021 2020 Audit Fees 5,000 6,626 5,511 224 5,000 9,887 6,384 Legal And Professional Fees Depreciation Trustee's Meeting & Expense Total Charitable activities 17.361 21.271 6 Staff cost and number of employees 2021 2020 The average monthly numbers of employees in the UK during the year were: Permanent Part time Employment costs 2021 2020 Gross Pay Employer's national insurance Employer's pension costs 277,253 312,295 23,246 4,707 29,445 5,468 305.206 347.208 No employee earned more than £60,000 during theyear (2020.. None). 52
MUNTADA AID NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021 7 TANGIBLE FIXED ASSETS Freehold Property IT Equipment Charity Total Cost At 01 January 2021 Additions 3,118,120 25,531 2,466 3,143,651 2,466 Disposals As at 31 December 2021 3.118.120 27.997 3.146.117 Depreciation At 01 January 2021 Charge for the year Disposals As at 31 December 2021 15,463 5,511 15,463 5,511 20.974 20.974 Net book values As at 31 December 2021 3.118.120 7.023 3.125.143 As at 31 December 2020 3.118.120 10.068 3.128.188 DEBTORS AND PREPAYMENTS 2021 2020 Trade Debtors 93,793 13,500 10,626 13,714 Other Debtors 107.293 24.340 CREDITORS: AMOUNTS FALLING DUE WITHIN ONE YEAR 2021 2020 Trade Creditors 44,250 7 ,400 1 ,070 49,398 7,400 1,070 Taxation and Social Security NEST (Pension Provider) 52.720 57.868 10 CREDITORS: AMOUNTS FALLING DUE AFTER MORE THAN 1 YEAR 2021 2020 Loan for propety purchase 1,014,646 1,014,646 1,014,646 1.014.646 53
MUNTADA AID NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021 11 RESTRICTED FUNDS AND UNRESTRICTED FUNDS Asat 01 Jan 2021 Incoming Resources Resources Expended Transfers Asat 31 Dec 2021 Restricted funds Emergency Relief Education Healthcare 88,849 51,928 161,922 67,052 259,329 30,690 481,877 103,139 160,611 (281,887) (22,898) (316,422) (189,482) (260,048) (11,508) (7,792) (99,428) 19,291 99,437 54.783 51.928 227.949 WASH Religious Dues Total Restricted funds 369.751 1.035.646 (1.070.737) 334.660 Endowment fund 2.010.826 2.010.826 Unrestricted funds Programme funds General fund Designated funds (fixed assets) 56,463 (203,217) 10,068 184,044 209,706 (209,741) (21,267) (30,766) 33,811 (3,045) 19.033 7.023 Total Unrestricted funds (136.686) 393.750 (231.008) 26.056 Total funds 2.243.891 1.429.396 (1.301.745) 2.371.542 12 NET ASSETS BY FUNDS Unrestricted Restricted Total Tangible fixed assets Net current assets 7,023 19,033 3,118,120 (772,634) 3.125.143 (753,601) 26.056 2.345.486 2.371.542 13 ANALYSIS OF CHANGE IN NET FUNDS Opening balance 1 Januar 202 Closing balance 31 December 2021 Cash flow movement Cash at bank and in hand 163,877 42,595 206.472 54
MUNTADA AID NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021 14 Auditor's remuneration Total 2021 Total 2020 Fees payable to the charity's auditor for the audit of the charity's annual account 5,000 5,000 5.000 5,000 15 Trustees, and key management personnel remuneration and expenses Total 2021 Total 2020 The trustees neither received nor waived any remuneration during the year The total amount of employee benefit received by key management personel Number of trustees are accruing pension arrangements during the year The trustees did not have any epenses reimbursed during the year Nil 16 Interest payable and similar expenses Total 2021 Total 2020 Interest on bank loans and overdrafts during the year 17 Related party transactions 2021 2020 Related party transactions during the year 55
The Trustees Declare that they have read, understood and approved the report. Signed on behalf of the trustees.. Hisham Bella Treasurer The Board of Trustees @ALL RIGHTS RESERVED 2022. MUNTADAAID, FIRST FLOOR, LMC BUSINESS WING, 38- 44 WHITECHAPEL ROAD, E1 1JX REG CHARITY NO: 1157117 EMAIL: INFO@MUNTADAAID.ORG 56