2024-04-05-accounts - The Karim Foundation

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Trustees' Annual Report for the period

	Period start date	Period start date			Period end date	Period end date
	02	04	2023		05	04	2024
From				To

Section A Reference and administration details

Charity name The Karim Foundation

Other names charity is known by Registered charity number (if any) 1191413 Charity's principal address 12 Gurney Way Cambridge Postcode CB4 2ED

Names of the charity trustees who manage the charity

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20	Trustee name	Office (if any)	Dates acted if not for whole year	Name of person (or body) entitled to appoint trustee (ifany)
	Khalku Karim	Treasurer
	Shahidun Rahman	Chair
	Jeandre Hunter	Trustee

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

Name	Dates acted if not for whole year
N/A

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Names and addresses of advisers (Optional information)

Names and addresses of advisers (Optional information)	Names and addresses of advisers (Optional information)	Names and addresses of advisers (Optional information)
Type of adviser Name Address
N/A

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

Section B Structure, governance and management

Description of the charity’s trusts

Type of governing document

Constitution

(eg. trust deed, constitution)

How the charity is constituted

CIO

(eg. trust, association, company)

Trustees appointed on incorporation. There are no other trustees, but any Trustee selection methods new trustees can be selected as stated in the constitution (section 10 and (eg. appointed by, elected by) 11)

Additional governance issues (Optional information)

You may choose to include additional information, where relevant, about:

policies and procedures adopted for the induction and training of trustees;
the charity’s organisational structure and any wider network with which the charity works;
relationship with any related parties;
trustees’ consideration of major risks and the system and procedures to manage them.

The organisation structure and trustees that was set out in the CIO has not changed since our incorporation on September 2020. We are following the Charity Governance Code for assessing governance-for smallcharities and its code, that contained within the essential trustee: what you need to know, what you need to do (CC3) and The Essential Trustee 6 main duties.

We have a partnership with the Cambridge Ethnic Community Forum (CECF), a leading organisation within the voluntary sector in Cambridge that provides support for ethnic minorities including culturally appropriate emergency food. We also work with the Cambridge City Council, Cambridge City Foodbank and Hubs and Cambridge Sustainable Food as part of the Cambridge Food Poverty Alliance.

We have a compliance toolkit to know our donors, manage risk, GDPR, safeguarding, conflict of interest and complaints.

Section C Objectives and activities

We are a Cambridge-based charity that aims to prevent or relieve poverty in Cambridgeshire for the public benefit by:

Summary of the objects of the charity set out in its governing document

providing food, household items and support with domestic costs (e.g., food vouchers/utility top ups/fuel) for individuals in financial hardship including those from groups which face disproportionate disadvantage either through poverty or other status e.g. refugees/asylum seekers, ethnic minorities, residents/migrants, single parents, the disabled, children/young people, the elderly, those who are isolated, or with no recourse to public funds, or facing domestic violence.

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facilitating better partnership work in raising awareness and sharing knowledge of the impact of emergencies like Covid-19 on disadvantage and inequalities, leading to better targeted services.

The Karim Foundation is the only organisation of its kind in Cambridge providing culturally relevant food to support individuals and families in need for all communities. Our main activities are to relieve poverty by providing food, food vouchers, utility top ups and emergency support to individuals and families in need. We have provided diverse food supplies in keeping with the diverse make-up of the Cambridge community. We have delivered food parcels that will be a mixture of dry products, perishables such as meat, fresh fruit and vegetables using a variety of local stores that can either be delivered to households or picked up whichever is suitable for the beneficiaries.

Up to 05/04/24 we have started to move towards supermarket vouchers Summary of the main (10% of our food spend) to give our beneficiaries choice of what to activities undertaken for the purchase. All our beneficiaries are vetted by us, Cambridge City Council public benefit in relation to and CECF. The beneficiaries we have supported are predominantly from these objects (include within the most deprived wards in Cambridge such as the CB2, CB4 and CB5 this section the statutory Postcode areas but we are now working further afield in areas such as declaration that trustees have Waterbeach, Northstowe and Bar Hill where many of the most vulnerable had regard to the guidance have been located. issued by the Charity Commission on public Funds received have gone directly to the beneficiaries for the services benefit) named and our organisation costs are very low. Often, the support is oneoff individual support that is often needed but there are a number of households we have helped regularly with our partners, and this is increasing. Still many families and individuals need one-off support to get them through a particularly difficult and challenging time. Also, those that need repeated help have been supported and signposted to other services they may not have been aware of for a variety of reasons. From our experience when food poverty is identified, other issues are often highlighted that need support from our partners with relevant expertise. The cost-of-living crisis has had a major impact on our beneficiaries and sourcing goods due to the price increase across the board on all items we provide has been a challenge. We are constantly ensuring and striving that we get value for money at all times.

Additional details of objectives and activities (Optional information)

You may choose to include further statements, where relevant, about:

policy on grantmaking;
policy programme related investment;
contribution made by volunteers.

Grant making: As we are the only charity in Cambridge providing culturally relevant food to support individuals and families in need, working with established and experienced partners such as CECF and Cambridge City Council has been essential in identifying those in need who have been already carefully vetted. We have a grant making policy for beneficiaries and those that come to us for support are predominantly from our partners and networks. As we have become more established and well known, those in need are starting to come to us directly with support through those channels already mentioned. The situation with beneficiaries are complex and need a multi-facetted approach but by working in partnerships with many groups, we are making a real difference.

Section D Achievements and performance

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Section D Achievements and erformance p Up to 05/04/24, The Karim Foundation has delivered hundreds of food Summary of the main packages to all beneficiaries successfully during this period. Almost all our achievements of the charity food packages are time limited, and we deliver them within 24-48 hours during the year from initial point of contact to delivery of food items. We source the best available ethnically diverse food from local stores within the city and online, but prices have gone up significantly, especially rice and meat. About 60% of all the food purchased was bought from local independent stores in Cambridge and the rest from supermarkets. We have continued to make stakeholders in the city understand the need for food diversity that wasn’t always well understood. We are engaging with Food Hubs to ensure the diversity of provision is distributed appropriately. We have continued to champion this, and diverse food provision is no longer being seen as an unmet need that cannot be actioned or achieved. Our local knowledge and expertise of cultural sensitivities and requirements has been a benefit for all. We are also better able to signpost our beneficiaries to other services they may not have been aware of for a variety of reasons. With household bills rising, struggling families and individuals in Cambridge have felt the impact of the cost of living crisis. In April, we responded by relaunching our Cambridge Ramadan Appeal, raising funds for locals in desperate need of emergency food and fuel support. Thanks to people’s kindness and generosity, we collectively raised over £1,450. In May, it was an honour to be invited to Parker’s Piece for a community feast to celebrate the Coronation of King Charles III. We were delighted to return to the Arbury Carnival for the second year running in June, and we really enjoyed chatting with so many about what we do. We thank all those who visited us on the day. We thank AlAnsaar, a Cambridge-based community group who donated £100 by raising funds at a charity football event where eleven local sevena-side football teams challenged for the 2023 AlAnsaar Cup on a thrilling day at the Bottisham Sports Centre. We also opened our first soup kitchen at the Meadows Community Centre in the north of the city that ran for 4 months (third Sunday of every month). We were very pleased to be working with Al-Amin Stores to provide a friendly space for anyone in need of a hot meal, good company, reassurance and support. A focus has also shifted to supporting wellness, not just by providing food support. We supported the Women’s Wellness Day at Cambridge Central Mosque that was a free event and open to all, dedicated to educating and supporting women with their health needs. In December, we loved meeting many new and familiar faces at the Mill Road Winter Fair at Petersfield Gardens. Thousands of people, wrapped up in their many layers from across Cambridge and beyond, made the journey to immerse themselves in a joyous day of winter festivities at one of the city’s most diverse and vibrant streets. A huge thank you to everyone who stopped by to visit and for kindly supporting us! A huge thank you to everyone who supported us this year.

Section E Financial review

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Brief statement of the charity’s policy on reserves

Up to 05/04/24 we have a healthy £6268 and looking forward to Ramadan 2025, face to face activities and fundraisers and securing further grants.

Details of any funds materially in deficit

None

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.

The principal source of funding is donations through JustGiving and also direct donations to the charity account. https://karimfoundation.co.uk/donate/

We have had no grant funding this year but were given funds by Cambridge Central Mosque for a Ramadan spend for our beneficiaries and other supporters who donated to us.

The expenditure has supported the key objectives already described. The annual return breakdown shows all donations to financial year as £6579 (a drop of 10% from 22-23) where 86.7% was spent on food parcels and 8.7% on utility top ups (gas and electric) and supermarket food vouchers for Cambridge beneficiaries. About 60% of all the food purchased was bought from local independent stores in Cambridge and rest from supermarkets. Only 4.5% was spent on clothes or other essential household items. Our admin costs have broadly been the same. More spend has gone on attending events and greater public engagement. However, our running costs are low (e.g. webhosting and we will continue to run the Charity with as minimal running costs as possible.

We have no investments.

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) Shahida Rahman Jeandre Hunter Position (eg Secretary, Trustee Chair, etc)[Chair of Trustees ] Date 28/01/25

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	The Karim Foundation	The Karim Foundation	The Karim Foundation	No (if any)	CC16a
	Receipts andpayments accounts
	For the period from	02/04/2023	To	05/04/2024

Section A Receipts and payments
A1 Receipts	Unrestricted funds to the nearest £	Restricted funds to the nearest £	Endowment funds to the nearest £	Total funds to the nearest £
Donations	6,580	-	-	6,580	-
Grants	-	-	-	-	-
	-	-	-	-	-
	-	-	-	-	-
	-	-	-	-	-
	-	-	-	-	-
	-	-	-	-	-
	-	-	-	-	-
*Sub total*(Gross income for AR)	6,580	-	-	6,580	-
A2 Asset and investment sales, (see table).
	-	-	-	-
	-	-	-	-	-
*Sub total*	-	-	-	-	-
*Total receipts* A3 Payments
	6,580	-	-	6,580	-

Foodpurchases	7,453	-	-	7,453	-
Admin/Events	1,563	-	-	1,563	-
Phone line	84	-	-	84	-
Web hosting	340	-	-	340	-
Accountatnt	60	-	-	60	-
Cash Withdrawal(pettycash)	-	-	-	-	-
	-	-	-	-	-
	-	-	-	-	-
	-	-	-	-	-
**Sub total **	9,500	-	-	9,500	-

A4 Asset and investment purchases, (see table)
	-	-	-	-
	-	-	-	-
**Sub total **	-	-	-	-	-
*Total payments* *Net of receipts/(payments)* A5 Transfers between funds A6 Cash funds last year end *Cash funds this year end*
	9,500	-	-	9,500	-

	- 2,920	-	-	- 2,920	-
	-	-	-	-	-
	9,188	-	-	9,188	-
	6,268	-	-	6,268	-

Section B Statement of assets and liabilities at			the end of the period
Categories Signed by one or two trustees on behalf of all the trustees B1 Cash funds B2 Other monetary assets B4 Assets retained for the charity’s own use B5 Liabilities B3 Investment assets	Details		Unrestricted funds to nearest £	Restricted funds to nearest £
	None		-	-	-
			-	-	-
			-	-	-
	*Total cash funds* (agree balances with receipts and payments account(s)) Details		-	-	-
			Agreement Error	OK
			Unrestricted funds to nearest £	Restricted funds to nearest £
	None		-	-	-
			-	-	-
			-	-	-
			-	-	-
			-	-	-
			-	-	-
	Details		Fund to which asset belongs	Cost (optional)
	None			-	-
				-	-
				-	-
				-	-
				-	-
	Details		Fund to which asset belongs	Cost (optional)
	None			-	-
				-	-
				-	-
				-	-
				-	-
				-	-
				-	-
				-	-
				-	-
	Details		Fund to which liability relates	Amount due (optional)
	None			-
				-
				-
				-
				-
	Signature		Print	Name
					Date of approval
			Kal	Karim	26/01/2025
	~~1~~		Jeandr	e Hunter	26/01/2025

CCXX R1 accounts (SS)

f 11 fiitr1 Section B Disclosure Only complete if the examiner needs lo highlight material matters of conrn (see CC32, Independent examination of charity accounts. dirertions and guidance for examiners). Giv8 here brief details of any items that thè examiner wishes to disclose. IER Oct 2018

CHARITY COMMISSION FOR ENGLAND AND WALES Independent examiner's report on the accounts Section A Independent Examiner's Report Report to the trustees1 membors of The Karim Foundation On accounts for the year ended 05-04- Charity no (if any) 1191413 Set out on pagos I report to the trustees on my examination of the aGGounts of the above charity ('the Trust'} for the year ended I I MM I YY, Responsibilitles and basis of report As the charity's trustees, 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 Garried out under section 145 of the 2011 Act and in carrying oul my examination, I have followed all the applicable Directions given by the Charity Commission under section 145151(b) of the Act. Independent examinerfs statement I have completed my examination. I confimi that no material matters have come to my attention in connection with the examination (other than that disclosed below ') which gives me Gause to believe that in, any material respect.. the accounting records were not kept in accordan with section 130 of the Charities Act., or the accounts did not accord with the accounting records., or the accounts did not comply with the applicable requirements GOnrning the form and content of accounts set out in the Charities (A¢counts and Reports) Regulations 2008 other than any reqLtirement that the aGGounts give a 'true and fair, view which is not a matter considered as part of an independent examination. I have no concems and have come across no other matters in connection with Ihe examination lo which attention should be drawn in this report in order to enable a proper LAnderstanding of the accounts to be reached. Please delete the words in the brackets if they do not apply. Signed: Date: Name: Relevant professional qualification(s) or body lif any): Address: k41 rl Kl IER Oct 2018