RIAL
Annual Report and Accounts
The Helen Loewenstein Memorial Trust
The year ending 31st March 2022
(Charity number 1181595)
Page
Contents
2-10
li
12
13
Trustees, annual report
Independent examiner's report
Receipts & payments account
Statement of assets & liabilities
Notes to the accounts
14
The Helen Loewenstein Memorial Tru5t-Annual Report and Account5 April 2021 to March 2022
Page I

The Helen Loewenstein Memorial Trust
Trustees, annual report
for the year ended 31 March 2022
Full name The Helen Loewenstein Memorial Trust
Organisation Type Charitable Incorporated Organisation
Registered charlty number 1181595
Principal address
22 Larwood Grove
Nottingham
NG5 3JD
Trustees
Aicha Daffé
Carol Susan Mccormick
Celia Jane Knight
Charmaine Melissa Daley
George Arthur Mayor
Joseph Harvey Goodman,
Treasurer
Nicholas Robert Loewenstein
Peter Loewenstein. Chairperson
Philippa Mary MacKeith
Roger Williams
Stella Alys Louise Nickolay
William Robert Badham luntil
21104/20221
Independent examiner
John O'Brien, employee of Community Accounting Plus, Units l & 2 North West, 41
Talbot Street, Nottingham, NGI 5GL
Governance and management
The charity is operated under the rules of its constitution adopted 1610112019.
When appointing new trustees, criteria are set by current trustees and, on that basis,
known people are canvassed and interviewed if interested.
Objectives and artivitie5
The object of the CIO is the advancement of education, for the public benefit, in
particular but not exclusively, by making grants to trainee midwives in Liberia who
would not otherwise have sufficient funds to undertake their training to become
qualified midwives.
Public benefit statement
The Trustees confirm that they have complied with the duty in section 17 of the
Charities Act 2011 to have due regard to the Charity Commission's general guidance
on public benefit. 'Charities and Public Benefit,.
The Helen Loewenstein Memorial Tru5t-Annual Report and Account5 April 2021 to March 2022
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A year in which HLMT steadily moved forward
The year from April 2021 to March 2022 was once again overshadowed by the Covid-19 pandemic.
This limited the number of events we and our supporters were able to organise and affected midwifery
training in Liberia too. The Helen Loewenstein Memorial Trust and its supporters nonetheless took
many positive steps forward..
Four more midwifery students were offered grants to cover their fees and essential expenses at
the Esther Bacon School of Nursing and Midwifery, bringing the total to 6 students receiving
HLMT grants. This was largely down to the generosity of supporters
Brilliant supporters continued to back HLMT with donations and standing orders, the lifeblood of
the organisation
Events run by HLMT and its supporters included a live music evening, plant and craft stalls, cake
and biscuit sales. These raised over £4000 for the trust
As part of our long-term sustainability strategy, HLMT invested its first £46,000 in ethical market
shares. As investments grow, they will guarantee HLMT student grants each year
HLMT redesigned an improved website and also launched social media platforms on Facebook,
Instagram and Twitter
Our online Et5y and Ebay shops have sold over £1750 of crafts and other merchandise, with many
HLMT supporters producing cards, cushion covers, bags, bunting, lavender baES etc.
HLMT Trustees have continued to do magnificent work, some attending seminars and meetings
and others writing journal articles
While on a private visit to Liberia in March 2022, HLMT trustees Pete Loewenstein and Stella
Nickolay were able to meet and strengthen links with a range of key Liberian agencies, and were
able to see first-hand the excellent work of both staff and Students at Esther Bacon.
In total, we have also managed to raise over £28,500 during the year, thanks mainly to generous
donations by supporters and friends, fundraising events and our online sales of merchandise. Details
about all of this and more are in the report.
Mission
The Helen Loewenstein Memorial Trust's mission is very simple.. to support initial midwifery training
in Liberia by making grants to cover course-fees and essential study expenses to student midwives
who would not otherwise have sufficient funds to train to become qualified midwives.
In order to achieve this mission, its key goals are..
to raise funds to pay for the grants through donations, standing orders, bequests, grants and
events
to fund the training of a small number of trainee midwives in Liberia, and to increase that number
as funds and working arrangements with partners in Liberia grow and develop.
The Helen Loewenstein Memorial Tru5t-Annual Report and Account5 April 2021 to March 2022
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All of the Trust's endeavours and activities have been directed at achieving its mission and goals.
Trustees- taking HLMT forward
The Helen Loewenstein Memorial Trust has twelve trustees, who have worked as a united team to
take forward the work of the Trust. The trustees have worked in the private, public and third sectors
and bring a formidable range of skills and experience to the Trust. All of them have been actively
involved in the work of HLMT during the year, organising and running events, making and distributing
items for sale, making funding bids, developing website content, drafting policies and procedures and
giving talks.
The trustees have met four times via Zoom during the year to discuss and take forward the work of
the Trust,. on 21st April (also the AGMI, 14th july, 29th September and 19th January.
On a practical level the trustees have overseen the development of the HLMTwebsite,' circulated three
newsletters to supporters and set up a supporters, database,. produced HLMT greetings cards and
purchased Liberian artefacts and materials for sale. One wrote an article for the journal of the
Association of Radical Midwives, others delivered and attended seminars on International Midwives
Day in May, meetings of a Rotary Club in March.
The chair and treasurer ensured that HLMT accounts were independently examined by Debbie
Seaborne, who very generously offered to do this free of charge,. and submitted the HLMT annual
report and accounts for 2020 to 2021 to the Charity Commission. They also set up digital account-
keeping via Quickfire software, which enables Trustees to receive regular reports on the Trust's
The Helen Loewenstein Memorial Tru5t-Annual Report and Account5 April 2021 to March 2022
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finances. When Virgin Money Giving informed charities that they would cease trading in November
2021, trustees decided to move to People's Fundraising for HLMT'S online fundraising platform.
Trustees continue to be supported by a very skilled volunteers, Alex Mottier, who has maintained and
developed the excellent HLMT website that she set up, www.hlmt.org.uk,. Charlotte Christine, who set
up and has developed HLMT'S Etsy and Ebay online shops Iwhich can be found at
htt
www.eba .co.uk
usr
hlmtrnerchandise
and htt
HLMTMerchandise l and Russell Taylor, who offered to
coordinate and has developed HLMfs social media presence..
•dW.ets .com
sho
Facebook htt
w%vw.facebook.com
HLMemorial
Instagram- @HLMT_Charity
Twitter- @HLMT_Charity
Supporters - our lifeblood
From the outset, HLMT supporters have been the backbone of the Trust. Many of them have
continued to make donations, sign standing orders, buy HLMT merchandise and attend online events.
A couple of supporters have indicated that HLMT is included in their wills. Supporters who contribute
regular monthly or annual standing orders ensure that HLMT has a regular income stream.
Supporters also make craft products and merchandise, and staff a mix of HLMT stalls and events.
The trustees would like to say a huge "thank you" to HLMT supporters and urge them to continue to
support the Trust's work over the next year.
Activities and achievements April 2021 to March 2022
a) Developments in Liberia - 4 additional students sponsored by HLMTI
HLMT and the Esther Bacon School of Nursing and Midwifery IEBSNMI in Zorzor negotiated and agreed
a Memorandum of Understanding in 2020. The first two midwifery students sponsored by HLMT,
Aminata Sumanie and Suah Valai, began their three-year training course in january 2021.
As a result of very generous donations by some HLMT supporters, we were able to support an
additional four stLJdents in 2021-2022. In September 2021 a very thorough entrance-exam-and-
interview process resulted in Bernetta Kesselly, Dorcus Akoi, Janet Davis and Victoria Ballah being
awarded HLMT grants. The interview panel included Esther Bacon teachers and HLMT representative,
Abdul-rahman Bah, a Liberian colleague and friend of Helen Loewenstein with a master's degree in
Public Health from Nottingham Trent University. Huge thanks go to Abdul from HLMT for this selection
work.
The Helen Loewenstein Memorial Tru5t-Annual Report and Account5 April 2021 to March 2022
Page 5

EREltNNI￿WKl￿lI1
Plpi
Dorcus Akoi
Janet Davis
Suah Valai and Aminata Sumanie
The Helen Loewenstein Memorial Tru5t-Annual Report and Account5 April 2021 to March 2022
Page 6

Benetta Kesselly
Victoria Ballah
Willimai Weetol-Geninyan, Director EBSNM
The Helen Loewenstein Memorial Tru5t-Annual Report and Account5 April 2021 to March 2022
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All the students met the HLMT criteria.. they had the appropriate academic qualifications and they
required sponsorship in order to enrol on the midwifery course. All the students have indicated a
desire to pursije their careers in the rural areas where they grew up, once they qualify.
As a result of supporters, donations, HLMT will pay their tuition fees, accommodation, initial
equipment and fees for their professional registration exam. We are receiving regular feedback on the
progress being made by the students. We are delighted to report that, according to Esther Bacon
reports, all six HLMT students are progressing really well.
b) Events
All the events organised during the year by HLMT and its supporters were really successful, and down
to the hard work of those who volunteered to help run them. By way of illustration these three events
demonstrate how funds and awareness of HLMT are raised.
Plant and Craft Stall 17th April 2021
On a sunny day on 27th April, HLMT trustees Carol Mccormick, Charm Daley, Pippa MacKeith, Roger
Williams and a number of brilliant supporters held a really successful stall. It attracted dozens of
buyers and raised over £1500, sufficient to fund a trainee midwife's training fees for two yearsl
8UWtLINeTON AOAD
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An evening of live muslc
HLMT organised a crackinE night of music on 27th November. Three bands - Ajar, The Strawberry
Jammers and Lowered Tones- played three great sets with Nick Loewenstein doing a professional job
on SOLJnd. On a raw cold night 50+ hardy supporters were treated to a night of high-c13ss, varied music.
As a result a really good night was had by all and just over £700 raised.
The Helen Loewenstein Memorial Tru5t-Annual Report and Account5 April 2021 to March 2022
Page 8

I Iir,IWlli I
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Cake Sale by Nottingham City Hospital Maternity Unit Staff, 7th December, 2021
Staff from the maternity team
receptionists, doctors, support workers and midwives
raised
£438.87 for The Helen Loewenstein Memorial Trust. They contributed to the buying and selling of
cakes, some paying £10 for a small cookie, in order to raise funds for the Trust. The staff all work in
the maternity unit where Helen Loewenstein was a midwife for much of her midwifery career. The
event was organised by Jennifer Ross and Steve Allen, facilitated by Sarah Daley, all of whom had
worked with Helen. What a brilliant result for a one-day cake salel The amount raised sufficient to pav
half a year's course fees for a Liberian trainee midwife.
The Helen Loewenstein Memorial Tru5t-Annual Report and Account5 April 2021 to March 2022
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c) Investing some HLMT funds to ensure long-term sustainability
If HLMT were to simply spend all the funds raised on grants to students, within a very few years our
funds would dry up and the trust would have to be wound upl In order to ensure that grants can
continue to be made into the future, HLMT trustees agreed on a policy of investing a chunk of its funds
in ethical financial market investments. The first £46,000 was invested in October 2021 with the aim
of not dipping into any profits from investments for at least five years in order to let these grow. If,
for the sake of argument, HLMT invests over time, say, £200,000 then at a rate of return of 5¥. (lower
on our cautious ethical investments than high-risk open-market investments) HLMT will have £10,000
to use for student grants each year. This yearfs initial investment is the beginning of thi5 proces5.
In the meantime, we will continue to rely on supporters, donations and events, etc. Having established
a successful mode of operation in Liberia over the past two years, we are looking to support future
students through grants from grant-making trusts. Trustee George Mayor agreed to head this effort,
supported by a small grants team.
Plans for the coming year
The trustees plan to continue and build on the work of the past year. Our hope is to provide grants for
further midwifery students at Esther Bacon, while continuing to support the existing six students.
HLMT will continue to urge its supporters and others to make donations in various ways, organise and
support activities and events 3nd approach grant-making trusts for support. As the grip of Covid
lessens, the Trust will once again run a range of events and we encourage supporters to do likewise.
Planned events include..
A Zumbathon fundraiser on 7th May
A HLMT Plant and Craft stall on 14th May
Singer-songwriter Louise Jordan, supported by Paul Carbuncle
music on 28th May 7.30 p.m.
an evening of wonderful
Sherwood Street Market- HLMT stall on 20th August
Ana Gonzalez running the Comrades Marathon155 mile511 in S Africa for HLMT on 28th August
HLMT stall at the Nottingham Green Festival onllth September
Boots Orchestra Nottingham - concert for HLMT on 19th November
HLMT will work to develop and strengthen relationships with key Liberian stakeholders in order to
steadily increase the number of Liberian trainee midwives it sponsors who otherwise could not afford
to undertake their studies.
Signed on behalf of the twstees of The Helen Loewenstein Memoriol Trust..
Date 20 May 2022
Peter Loewenstein- ChuiTrpetson
The Helen Loewenstein Memorial Tru5t-Annual Report and Account5 April 2021 to March 2022
Page 10

Independent examiner's report to the trustees of
The Helen Loewenstein Memorial Trust
for the year ended 31 March 2022
I report to the trustees on my examination of the accounts of The Helen Loewenstein
Memorial Trust Ithe charity) for the year ended 31 March 2022.
Responslbllltles and basls of report
As the trustees of the charity you are responsible for the preparation of the accounts in
accordance with the requirements of the Charities Act 20111'the Act'l.
I report in respect of my examination of the charity's accounts carried out under section 145
of the 2011 Act and in carrying out my examination I have followed all the applicable
Directions given by the Charity Commission under section 14515llbl of the Act.
Independent examinerfs statement
I have completed my examination. I confirm that no matters have come to my attention in
connection with the examination giving me cause to believe that in any material respect..
accountinE records were not kept in respect of the charity as required by section
130 of the Act; or
2. the accounts do not accord with those records.
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.
Signed
Dote
2310512022
John O'Brien MSC, FCCA, FCIE
Employee ol CommunltyAccountlng Plus
The Helen Loewenstein Memorial Tru5t-Annual Report and Account5 April 2021 to Ma￿h 2022
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The Helen Loewenstein Memorial Trust
Receipts & payments account
for the year ended 31 March 2022
2021
2022
Note
Receipts
19847 Grants & donations
Fu￿raisIng
898 Sales & fees
1110
Events and actiwties
Sundry receipts
21855 Total receipts
21998
389
4249
1784
265
28685
Payments
General Purchases
1052 Studentfees
100
subs & other subscriptions
Admin expenses
Insurances
Purchase of investment
Investment charges
Promotional materials
Student internriew expenses
Event expenses
330 Accountancy
70 Sundry payments
1552
Total payments
2691
730
35
146
46000
750
34
180
10
50583
20303
Net receiptsl{payments}
42656 Cash funds at start ofthis period
62959 Cash funds at end of this period
121898)
62959
41061
The Helen Loewenstein Memorial Tru5t-Annual Report and Account5 April 2021 to March 2022
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The Helen Loewenstein Memorial Trust
Statement of assets and liabilities
at 31 March 2022
2021
2022
Cash assets
Bank accounts
Note
62959
62959
41061
41061
Other monetary assets
Prepayrnents- Insurance
Investments
95
44570
44665
Liabilities
Creditors- Independent examination fee
300
(3001
Thesefinancialstatements are accepted on behalf of the charity by..
Signed
Date 20 May 2022
Peter Loewenstein- Chuirperson
The Helen Loewenstein Memorial Tru5t-Annual Report and Account5 April 2021 to March 2022
Page 13

The Helen Loewenstein Memorial Trust
Notes to the accounts
for the year ended 31 March 2022
1. Receipts & payments accounts
Receipts and payments accounts cont3in a summary of money received and money spent during
the period and a list of assets and liabilities at the end of the period. Usually, cash received and
cash spent will include transactions through bank accounts and cash in hand.
2. Grants & donations
Gift Aid
Sundry grants & donations
4705
17293
21998
3. Trustees, remuneration
Trustees received no expenses, remuneration or benefits in this period.
4. Glossary of terms
Creditors: These are amounts owed by the charity, but not paid during the accounting
period.
Prepayments: These are services that the charity has paid for in advance, but not used
during the accounting period.
The Helen Loewenstein Memorial Tru5t-Annual Report and Account5 April 2021 to March 2022
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