2020-12-31-accounts

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Faith in Action
Working in Partnership with the Church in Africa
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Faith in Action, 14 Gabriel Road, Maidenbower, Crawley, West Sussex  RH10 7LG
Telephone:  [phone]   Registered Charity No:  293961

Website:  www.faithinaction.uk.com   Email:  [e-mail]

TRUSTEES’ REPORT AND FINANCIAL STATEMENTS FOR THE YEAR ENDED 31st DECEMBER 2020

Reference and Administrative Details

Charity Name:  Faith in Action

Charity Registration Number: 293961

Legal Information:  Faith in Action was estab-
lished in 1986. It is unincorporated and gov-
erned by a trust deed.

Address of Registered Of�ice:

14 Gabriel Road Maidenbower, Crawley,
West Sussex RH10 7LG

Charity’s Trustees:

Mr Frank James Rumball
Mrs Sally Jane Jeffree
Mrs Jennifer Ruth Ainge
Mr Brian Norman Carter

Governance and Management

Constitution and Organisational Structure : At

the end of the year there were four trustees.
Martin Jeffree died on 27th July 2019 and Brian
Carter was appointed a fourth trustee at a Zoom
trustees’ meeting held on 13th May 2020.  One
trustee is responsible for the administration. We
have one associate who is also a signatory for
cheques etc. One further signatory looks after
the accounts and Brian Carter co-ordinates our
container consignments. There are no employ-
ees and no payments are made to any trustee,
associate or volunteer for work performed. At
the end of the year there were four voluntary
groups of people in England who prepare and
pack the relief consignments on their own prem-
ises. All the projects in Africa are set up and

overseen by project co-ordinators working for
the church in Africa with whom we communi-
cate regularly.

The administration of the charity is carried out
at the registered of�ice in Crawley. Regular com-
munication is maintained with the other trus-
tees who are kept up-to-date with all signi�icant
events and whose advice and agreement is
sought with regard to an appropriate response
to such events.

Appointment and Training of Trustees: New
trustees are appointed by current trustees.
Three of the current trustees have all visited
East Africa.

Decision Making: Most new projects are pro-
posed in response to current circumstances and
needs in Africa but they are presented to and
agreed by trustees before implementation.
Sometimes a pilot project will be set up to test
the viability of any proposal before a project is
accepted for further funding. Trustees meet two
to four times during the year but stay in regular
telephone and email contact between meetings.
During this year �ive of the six trustees’ meeting
were done on Zoom. New projects are also dis-
cussed with church leaders in Africa and will
only be implemented if they consider them to be
appropriate for their needs and current circum-
stances. We have also been able to meet with
church leaders in Malawi on Zoom as we were
not able to visit Malawi this year.

Our experience has shown the importance of
working as a united team with church leaders

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and project co-ordinators in Africa and only
funding projects which everyone considers both
appropriate and bene�icial. This is one reason
why we have sought to build strong relation-
ships with church leaders and project co-
ordinators in Malawi and to maintain good com-
munication with them.

Information, costs and photographs for our cur-
rent projects are presented in lea�let form and
these lea�lets are sent to supporters when there
isarequestforinformation.Wealso have a web-
site which provides information about our pro-
jects. As a result, many donations are given for
speci�ic projects although some funds are given
more generally for projects in Malawi. Decisions
about the designation of funds given generally
for Malawi are made by one or more of the trus-
tees after discussion with church leaders and
project co-ordinators in Malawi.

Identi�ied Risks: We have taken out public and
product liability insurance. We have also drawn
our insurers’ attention to one 20ft shipping con-
tainer which is used for storage purposes. We
have taken out employees’ insurance for the
bene�it of the volunteers who support our work.
There have been no changes which required any
alterations to our risk assessments �iles for all
the activities of the charity.

The charity does not invest any �inances in the
stock market or own or rent any brick buildings.
Our relief consignments contain mainly second-
hand items and thus have little commercial val-
ue. All projects are funded by sending the �i-
nances to the appropriate country by interna-
tional bank transfer.

Statement of Trustees’ Responsibilities: The
law applicable to charities in England and Wales
requires the trustees to prepare �inancial state-
ments for each �inancial period which give a
true and fair view of the incoming resources and
the application of the resources of the charity
during the year, and of its state of affairs at the
end of the year. In preparing those �inancial
statements, the trustees are required to:

• select suitable accounting policies and then apply them consistently;

• make judgements and estimates that are reasonable and prudent;

• state whether applicable accounting standards and statements of recommended practice have been followed, subject to any material departures disclosed and explained in the �inancial statements;

• prepare the �inancial statements on the going concern basis unless it is inappropriate to presume that the charity will continue in operation.

The trustees are responsible for keeping proper
accounting records which disclose with reason-
able accuracy at any time the �inancial position
of the charity and which enable them to ensure
that the �inancial statements comply with the
Charities Act 2011 and 2018. They have general
responsibility for taking such steps as are rea-
sonably open to them to safeguard the assets of
the charity and to prevent and detect fraud and
other irregularities.

Trustees of Faith in Action should also ensure
that:

• all projects are within the permitted objects as laid down in the governing instrument;

• all funds are used according to the donors’ expressed designation;

• all current projects are working well and are appropriate and bene�icial to communities in Africa;

• all funds sent to Africa are spent according to the agreed designations;

• good communication is maintained with church leaders and project co-ordinators in Africa;

• reports are received on the distribution and setting up of all projects.

Objectives and Activities

Objects of the Charity: The objects of the chari-
ty as given on the governing instrument are as
follows:

• a The relief of persons who are in conditions of poverty need hardship or distress and the relief of the aged and of the sick in Africa.

• b The advancement of the Christian religion by the proclamation of the gospel of Jesus

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Christ and the building up of His body the
church by whatever legally charitable
means the Trustees in their absolute dis-
cretion think �it.

Location and Identi�ied Needs: Our work con-
tinues to be focused mainly, but not exclusively,
on an area in southern Malawi called the Lower
Shire. This area is located south of Blantyre. It is
separated from the rest of the country by a
1,000 metre escarpment. This area has faced
both insuf�icient and excessive rain over the last
�ifteen years and this has resulted in poor food
security.

The people living in the Lower Shire are mainly
subsistence farmers who have few alternative
sources of income when their crops fail. There
are a large number of orphans in this region and
many orphaned children are cared for by their
grandparents. Few farmers would be able to af-
ford a Bible and none are available for sale in
the Lower Shire.

We work with the Faith in Action Church (an
unrelated organisation) which has about 600
congregations in Malawi. We therefore have ex-
cellent access into rural communities through
these church congregations. This same church
also has congregations in Mozambique, Zambia
and Zimbabwe and we have occasionally given
funding to some of these countries. With these
facts in mind, our aims are as follows:

Charity’s Public Bene�it Aims ( Social and Investment Policies) :

• 1 Our primary aim is to set up sustainable projects which will help rural communities to provide for themselves on a long-term basis and thus to reduce their need for emergency aid when their crops fail.

• 2 To provide access to clean drinking water.

• 3 To increase food security through irrigation schemes and also by providing more drought and �lood resistant crops.

• 4 To support families who foster orphaned children and to enable communities to set up orphan day-care centres for children who lack younger foster parents.

• 5 To provide Christian resources for church congregations and to distribute Bibles and Bible studies in prisons.

• 6 We have started a ministry into one of the

rubbish dumps on the edge of Blantyre,
providing meals for the families who live
there, and funding loans for the setting up of
businesses.

• 7 To send consignments of good quality - mainly second-hand - relief aid, consisting primarily of clothing items.

Charity’s Strategies for achieving Stated Objectives :

Relief Consignments: These are performed by
groups of people in England which collect, pre-
pare and pack good quality second-hand items
on their own premises.

Development projects: Most donations for pro-
jects are given by churches or individuals who
are in some way associated with our packing
groups.

Funds are sent to Malawi by international bank
transfer. Project co-ordinators in Malawi set up
the projects and send reports, receipts, and pho-
tographs back to the UK. Where possible materi-
als are purchased in Malawi so that spare parts
are available locally. Where it is appropriate,
training is given on maintaining and/or using
the equipment and materials received.

We produce a regular newssheet which gives
information about all the �inances which have
been transferred to Africa and how these funds
have been distributed during the preceding pe-
riod. We aim to include photographs where
these are available.

Details of Signi�icant Activities: Our current
and potential projects are as follows:

• 1 We send relief consignments to Malawi containing mainly second-hand clothing.

• 2 We provide funds for Bibles and other Christian resources in local languages and a machine called a Proclaimer which has a chip holding the text of the whole Bible in a variety of languages, including Chichewa. This Proclaimer can be operated using solarpower or by hand-winding. We are also providing some Bible study booklets. We are providing Bibles and Bible study booklets in prisons.

• 3 We provide loans for irrigation projects. Each system enables two crops to be grown each year instead of one which has often failed. The loan is offered with the agree-

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ment of farmers to give 50% of their crops to
be sold and the funds thus raised to be used
for community projects in the local area. This
scheme has been very successful, although
the strength of the wind has increased in re-
cent years resulting in increased mainte-
nance costs. We have therefore started to
construct solar-powered systems instead of
wind-pump systems. These are more expen-
sive but irrigate 200 acres of land instead of
50.

• 4 We provide funding for the construction of wells.

• 5 We provide funds for the purchase of goats for families who foster orphaned children.

• 6 We provide funding for a variety of seeds, cuttings and suckers for crops which mature faster and/or require less rain than the local maize upon which they currently depend. We also provide fertilizer which has produced signi�icantly higher yields for farmers.

• 7 We provide funds through the church in Malawi for interest-free loans which enable families with skills to set up small family businesses.

• 8 We provide funds for bicycle ambulances which can take sick people to hospital from rural areas over rough terrain.

• 9 We provide funds for mosquito nets. These funds have been invested in a long-term high-interest account in Malawi which pays interest every 30 days. The interest is used to purchase mosquito nets for families in order to protect them from malaria. Each family is provided with three nets.

• 10 We have started a ministry in a rubbish dump on the outskirts of Blantyre. We have provided meals for the 350 people who live in this dump scavenging for rubbish to sell. We also provide loans for setting up businesses which will enable families to leave the dump and to provide themselves with an income and accommodation.

• 11 Main Objectives for the Period : During the period under review we have provided funds for many, but not all, of the current projects as listed above as these projects appear to be working well and to bene�it communities.

We continually review the effectiveness of
our projects and prioritise as appropriate.
During the year, we have also provided re-
sources for protecting people from the Covid
19 virus.

Achievements and Performance

Achievements: Our income for the current year
was considerably lower than for the previous
year, mainly - we believe - as a result of the
Covid 19 pandemic. The funds have been ex-
pended in accordance with the donors’ ex-
pressed wishes and in line with the charity’s ob-
jectives. During the year we spent £24.72 of the
surplus from previous years.

We include below details of the relief consign-
ments which were sent to Malawi and also the
projects which were funded during the year.

• 1 CONTAINER CONSIGNMENTS : We did not send any relief consignments to Malawi during the year, but we did send £316 at the beginning of the year to enable boxes sent the previous year to be collected from Salima.

• 2 TRANSLATING AND PRINTING BIBLE STUDIES: During the year we sent a total of £20,920 for printing 14,237 Bible studies. 13,037 of these studies were given to church congregations in Malawi and the remaining 1,200 were distributed in Dedza Prison. The sum of £326 was included in this sum for the

Distribution of Bible Studies

Bible Society in Malawi to translate a third
set of studies into Chichewa.

• 3 SOLAR IRRIGATION SYSTEMS : During the year, we sent a total of £11,863 to complete the second stage of our second solar irrigation project which was constructed in

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Chinsamba Village at the end of the previous
year. As these solar irrigation systems irri-
gate 200 acres instead of just 50 acres, as ir-
rigated by the wind-pump systems, we pro-
vide for these solar systems in two stages:

First, for the system itself and second, for
seeds and fertilizer etc. for the �irst crop. This
£11,863 provided for 80kg of Masika maize
seeds, 80kg of Soya seeds, 40 x 30kg of
ground nut seeds, 20,000kg of fertilizer,
sacks, stationery and accountancy training.

Irrigation System, showing Solar Panel
and Reservoir in Chinsamba Village

• 4 MATERIALS FOR COVID 19 : During the year we sent a total of £8,466 for the provision of 25,425 bars of soap, 1,175 buckets with a tap at the base, and 1,000 masks.

We have also sent a document which gives
information about this virus, how it is spread,
how they can protect themselves, and also
encouraging village communities to come to-
gether to look after each other—such as
fetching water for each other - so that any
family who has symptoms is able to self-

Two Children Washing their Hands
using a Bucket with a Tap

isolate. This has been translated into Chiche-
wa and Portuguese and circulated round vil-
lages in Malawi and Mozambique.

• 5 WELLS : During the year we sent a total of £5,620.71 for the construction of two wells. The �irst was constructed in Mkhutche Village and the second in Genti Village. Both villages were chosen because their communities were having to walk a very long way for water. In Genti Village the nearest water source was 5 kilometres away.

Well in MkhutcheVillage

• 6 BUSINESSES FROM RUBBISH DUMP : During the year we sent a total of £4,378.95 to provide funds for setting up three trading centres. The �irst two were set up in Malawi so that two groups of �ive members of the community who live in the rubbish dump on the outskirts of Blantyre could provide an income for themselves and leave the rubbish dump. The second was for the church in Zimbabwe, to provide an income for the church.

Second Trading Centre in Malawi

These businesses are based on our charity
shops, but adapted to be appropriate for Afri-
ca. In this shop, families can raise funds by
selling items which they no longer need.

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These items are then available for sale in
much the same way as we buy items in our
charity shops. A commission of 20% is
charged on each sale and a changing room is
provided to try on clothing.

• 7 MEALS IN PRISON AND RUBBISH DUMP : During the year we sent a total of £3,625.00 to provide 350 Christmas meals for the inhabitants of the rubbish dump on the outskirts of Blantyre and 2,400 Christmas meals for the inmates and guards in Dedza Prison.

Christmas Meal provided for Families
living on the Rubbish Dump

• 8 MOTORBIKES : We sent a total of £2,810.53 for the purchase of two second-hand motorbikes and this included funds for two certi�icates of road worthiness and insurance for the �irst year, and two secure shelters to keep them safe and dry. This also included funds for a poultry project which will provide income for fuel and maintenance of the bike for one of the owners of these bikes.

Amayi Chrissie Khembo
with her Motobike

• 9 GOATS: During the year we sent a total of £2,735.52 for the purchase of 75 goats, which were distributed to 25 foster families who had each fostered one orphan in 9 villages.

Goat in GondwaVillage

• 10 BIBLES : During the year we sent a total of £1,567.37 for the purchase of Bibles. 41 of these were distributed in Dedza Prison and the rest to church congregations.

• 11 LAPTOPS AND ROUTERS : During the year we provided a total of £1,508.15 for 3 laptops and 3 routers. Two of these laptops and routers remained in Malawi and one was given to church leaders in Mozambique.

• 12 MEDICAL TREATMENT : During the year we provided a total of £1,100.00 for a follow-up visit to South Africa and medical check.

• 13 AMAY CHIKOTI FUND : Following an operation to remove a cancerous tumour, the wife of Area Pastor Chikoti started to visit her local hospital having prepared a meal for some of the patients. As she gave them this meal, she also shared her testimony of how her life had been saved. The cost of providing this food would have been a real sacri�ice for them as their own resources would have been very limited.

Amayi Chikoti (centre)

During October, we offered to provide funds
to support this ministry which she had start-
ed and also to provide her husband with a
second-hand motor-bike that would enable

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them to visit hospitals which were further
away.

On 28th October, we sent £736.84 for four-
month’s provision of food and fuel. It also in-
cluded funds for accommodation when they
travel to an area where there is no local
church congregation with whom they can
stay.

• 14 COLLECTING BOXES FROM SALIMA : We did not send any relief consignments during 2020, but we did send £315.79 to provide funds for collecting a consignment from Salima, which left the UK towards the end of the previous year.

Bicycle Ambulance in Chataika Village

• 15 BICYCLE AMBULANCES : During the year we sent £210.53 for a bicycle ambulance which has been located in Chataika Village. We received a report saying that the community are very thankful for this as they were facing considerable dif�iculty transporting sick people to the nearest clinic, especially at night time. The provision of this bicycle ambulance has eased this problem.

Mosquito Nets in Robi Village

• 16 MOSQUITO NETS : During the year we provided a total of £87.67 to be paid into a high interest account held in Malawi. We regular-

ly send small amounts in order to round up
our fund transfers to Malawi. The current
total in this account is £10,544.

• 17 PROJECT SETTING UP COSTS : During the year we provided a total of £1,847.60 for the costs involved in transporting the items provided to their destination.

Performance

• 2 TRANSLATING AND PRINTING BIBLE STUDIES: We received a report from church leaders in Malawi saying that the distribution of these studies to church congregations had helped to quench the huge demand that they had received for them. One area pastor had telephoned to say that these studies have been blessing believers when they are confused and sometimes fearful due to Covid 19. Another area pastor said that he was so thankful that his prayers for these studies had been answered. Two other area pastors phoned to say that they had heard from other pastors about the positive impact that they had had in their churches and were inquiring if they had any more which they could receive. Pastors in Zimbabwe have also being asking for some copies.

The distribution of Bibles and Bible studies in
Dedza Prison was also very well received
with the prison chaplain saying that these
would complement hugely with their efforts
to reform prisoners and to receive these spir-
itual resources was just overwhelming.

• 3 SOLAR IRRIGATION SYSTEMS : These irrigation projects are expensive but the bene�its for the whole village, and even the surrounding villages, is signi�icant. The fact that our �irst solar irrigation system in Chimphepo Village has now made three loan repayments of MK3,650,000, MK3,350,000 and MK3,450,000 which totals £11,359 with the current exchange rate, proves the huge �inancial bene�its of this scheme.

Also, once the initial loan has been repaid,
this income can be used by the local commit-
tee overseeing the project to set up other
projects in the area, thus enabling them to be
donors and not just bene�iciaries. This will
have a huge impact on enabling them to see
themselves in a less vulnerable and less de-
pendent way.

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We have received this report from Malawi:
“The solar irrigation system has been highly
rated in Malawi and the government has rec-
ommended it as the only system of irrigation
that can lift the living standards of the local
villagers. The Lower Shire has more ad-
vantages due to more sunshine most of the
time.

The local farmers are very keen to keep aside
the funds for any eventualities like mainte-
nance, seeds and fertilizers. The projects are
doing very well, and all the farmers are ex-
tremely motivated.”

• 4 MATERIALS FOR COVID 19 : We received the following report from Malawi: The response has been very positive to the extent that two chiefs got in touch through Pastor Nyachikadza and Pastor Gia. Word reached the chiefs of the distribution of buckets and soap, and they followed up and were overwhelmed with joy as they say that Faith in Action is doing a tremendous job in this time of the epidemic and teaching people to conduct themselves in order to stay safe is a great help to the chiefs .

We received a second report following the
second distribution of these Covid 19 re-
sources: “It really was a joyful moment for us
as we reached out to the areas with the clean-
ing materials and masks. This has been very
timely as Faith in Action is playing a very im-
portant role in the �ight against Covid. At the
same time, it is also complementing Govern-
ment’s efforts in the �ight against this virus.

Masks which we provided being worn
during the Distribution of Buckets, Soap

Once again Pastors received the materials with
excitement and appreciation as this will help
keep their members safe and also in the long

run keep the communities safe. They were also
very thankful for the masks as they were in di-
lemma following Governments announcement
that wearing masks be mandatory in public.

• 5 WELLS : We received a report from Malawi following the construction of the well in Mkhutche Village to say that the construction of this well had gone well and the community were very grateful. The second well was constructed during the Covid 19 pandemic, and we received the following report after its construction.

“This well has really helped the community to
get safe water which they can use for washing
their hands with soap. Since the government
ordered the people to wash their hands, the
water has been a challenge in so many villag-
es. If more wells can be provided, the cases of
Covid-19 will be greatly reduced. The people
are very thankful to the provision of this well.”

The Well with a Brick Surround
constructed in Genti Village

• 6 BUSINESSES FROM RUBBISH DUMP : We received this report from Malawi on the success of the �irst trading centre: “ The trading centre is proving to be a success. We are receiving lots of enquires about the centre from people who have heard through advertisements. This concept is very good for Malawi. We are seeing that so many people have clothes that are too small and no longer in use, and at the same time, do not have enough money to buy new clothes. These clothes are being brought into the shop . We are also receiving new customers with electrical appliances. So, I am very encouraged as we are seeing many happy faces from satis�ied customers. Everyone is very thankful for the vision to set up the Trading Centre.”

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• 7 MEALS IN PRISON AND RUBBISH DUMP : We received the following reports about the success of these two venues: our trip to the rubbish dump went well and everyone was really happy and enjoyed the meal. The chairman speci�ically asked us to thank you for meeting their request for a Christmas meal. The trip to Dedza prison was a huge success. The Of�icer in charge was so happy and told us that this was the �irst time for the prisoners to have a Christmas lunch and for many of them, they will not have had chicken for several years.

• 8 MOTORBIKES : One of the motorbikes was given to the last of twelve project coordinators to be provided with this means of transport to facilitate their ability to travel around their area, and the second was given to Area Pastor Chikoti to enable him and his wife to travel further in their hospital ministry.

• 9 GOATS: Each female goat should produce two kids twice a year. Two female goats should therefore produce eight kids each year and these can be sold for about £304. However, if they choose not to sell all of their female kids and to add one extra breeding female each year, then after ten years their annual income could be increased to about £1,674. These �igures are based on the current value of a goat and the exchange rate. We received a report from Malawi to say that this project for the provision of goats for foster families has been very helpful and supportive.

• 11 LAPTOPS AND ROUTERS : We are using these laptops to enable us to communicate using ‘Zoom’. The routers are rechargeable and provide an internet connection which is not affected by the frequent power cuts. This enables us, in the UK, to talk to church leaders in Malawi very cheaply and from our own homes. It also enables church leaders in Malawi to communicate with Faith in Action Church leaders in Mozambique. We plan to provide them for FIAC leaders in Zimbabwe and Zambia when funds are available.

• 12 MEDICAL TREATMENT : A medical check was necessary following an operation which was performed in 2019 to correct the very unusual condition where one of Area Pastor Harry Khembo’s grandchildren was born with both male and female genitalia. This had caused serious rejection for the family within their village and even the father left Harry’s daughter and child. This hospital treatment was successful and she is now a girl.

• 15 BICYCLE AMBULANCES : These bicycle ambulances are made by a project run by the Anglican Church in Malawi, and they provide signi�icant help to communities, enabling them to take sick people to clinics and hospitals from villages where only bicycles are available. They also limit the transfer of disease, which is common when communities have no option but to tie the patient to a chair and to carry them.

• 17 MOSQUITO NETS : This account yields a high rate of interest which is used to purchase mosquito nets. The interest paid during the months of December 2019 through to the end of December 2020 totalled MK3,000,000 (approximately £3,115. The exchange rate changes daily and so it is dif�icult to calculate an exact sterling value) These funds were used to purchase 600 mosquito nets which were given to 200 families in 5 villages. Each family receives three nets.

We only use the interest to buy mosquito
nets and so the capital remains untouched.
Over the thirteen years from 2008 to the end
of December 2020, we have been able to pur-
chase 11,137 nets, which have been given to
4,365 families in 300 villages, using the inter-
est alone.

We received a report from Malawi to say that
they are thankful that they are now able to
talk to and see each other in this way, which
is something that they have never done be-
fore.

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INCOME, EXPENDITURE AND PROJECTS PIE CHARTS

INCOME PIE CHART

99.12% Donations

 0.83% Payments for Container
Transport, Packing Materials and
Nappies

 0.05%  Bank Interest

EXPENDITURE PIE CHART

97.88%  Projects  in Malawi
 0.75%  Container Transport Costs
 1.08%  Insurance

 0.29% Newssheets and Lea�lets

S.O.F.A. PIE CHART

30.75% Bible Studies

 4.13% Motobikes

 0.46% Collecting Boxes

17.43% Irrigation Systems

12.44% Covid 19 Materials

 4.02% Goats
 2.30% Bibles

 0.31% Bicycle Ambulances
 0.13% Mosquito Nets

 8.26% Wells

 6.44% Loan Businesses

 5.33% Meals in Prison and Dump

 2.22% Laptops & Routers 2.72% Setting Up Costs
 1.62% Medical Treatment 0.22% Bank Charges UK
 1.08% Amayi Chikoti Fund 0.14% Bank Charges Malawi

Signed(1)

(2)

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Sally J. Jeffree, Trustee
Jennifer R. Ainge, Trustee

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FAITH IN ACTION

STATEMENT OF FINANCIAL ACTIVITIES for the year ended 31st December 2020

						Year to
			Year 2020			2019
		Unrestricted Restricted			Total	Total
	Note	Funds	Funds		Funds	Funds
		£	£		£	£
INCOMING RESOURCES
Charitable Donations		10,417	33,980		44,397	86,674
Contributions for Transport,
Packing Materials and Nappies		-	370		370	4,503
Investment Income
Bank Interest		22	-		22	41
Total Incoming Resources		£10,439	£34,350		£44,789	£91,218
RESOURCES EXPENDED
Direct Charitable Expenditure
Direct Charitable Expenditure	4	-	68,040		68,040	79,180
Transport, Packing Materials
and Nappies		-	520		520	4,452
Governance Costs
Insurance		754	-		754	755
Newssheets & Leaflets		200	-		200	0
Total Resources Expended		£954	£68,560		£69,514	£84,387
NET DEFICIT FOR THE YEAR
(2019—Surplus in Resources
for the year)		-	-	-	£24,725	£6,831

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FAITH IN ACTION

BALANCE SHEET AS AT 31st DECEMBER 2020

31st DECEMBER 2020 Note £ £ Current Assets Debtors and Prepayments 3 1,071 Stock in Hand 2 242 Bank and Cash Balances 12,709 14,022 Less: Current Liabilities – amounts due within one year Packing Groups 5,096 Total Assets less Current Liabilities £8,926 REPRESENTED BY FUNDS:- Balance brought forward1st January 33,651 Less Deficit for the year (2019—Add Surplus) -24,725 Balance carried forward 31st December £8,926	31st DECEMBER 2020 £ £ 1,071 242 12,709 14,022 5,096	31st DECEMBER 2019 £ £ 363 344 36,600 37,307 3,656 £33,651 26,820 6,831 £33,651
	£8,926

We, as Trustees, have examined these accounts and approved them:

Signed(1). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .       Frank J. Rumball, Trustee
(2). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .       Sally J. Jeffree, Trustee
(3). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .       Jennifer R. Ainge, Trustee
(4). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Brian N. Carter, Trustee
Date:. . . . . . . . . . . . . . . .. . .. . . . . . . . . . . . . . . . . . .

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FAITH IN ACTION NOTES TO THE ACCOUNTS for the year to 31st December 2020

(1) Accounting Policies

Basis of preparation of accounts.  The financial statements have been prepared un-
der the historical cost convention and comply with applicable accounting standards and
with the Charities Statement of Recommended Practice (SORP 2005), applied as fol-
lows.  The trustees have taken advantage of the exemption of Financial Reporting
Standard No.1 from including a cash flow statement on the grounds that the charity is
classified as small.

Funds.  The charity maintains a general unrestricted fund which may be expended at
the discretion of the trustees to further the charity’s objects.  Restricted funds represent
Incoming Resources and Resources Expended on specific projects within the charity
where the donor has specified that the funds may only be used for a particular purpose.

Stocks.  Stocks are stated at the lower of cost and net realisable value, after making
due allowance for obsolete and slow moving items.

Incoming Resources.  Donations are accounted for as they are received.

Resources Expended.  These are included on an accruals basis.  There are no trus-
tees’ remuneration or expenses, and there are no staff costs for accommodation, sala-
ries or fund raising.  The only Resources Expended are direct charitable expenses and
governance costs.

Taxation.  As a result of the allowances available to charities, there is no liability to tax-
ation on its income.

	ation on its income.
		31st Dec 2020	31st Dec 2019
		£	£
(2)	Stock in Hand
	Packing Materials	168	148
	Nappies and Accessories	74	196
	Total per Balance Sheet	£242	£344
(3)	Debtors and Prepayments
	Gift Aid Recoverable	914	217
	Insurances Prepaid	157	146
	Total per Balance Sheet	£1,071	£363

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FAITH IN ACTION

NOTES TO THE ACCOUNTS (CONTINUED)

for the year to 31st December 2020

• (4) Funds in transit are represented by Donations received late in the year and disbursed after Balance Sheet Date.

(5) Direct Charitable Expenditure Translating and Printing Bible Studies Irrigation Systems Materials for Covid 19 Wells Businesses from Rubbish Dump Meals in Prison and Rubbish Dump Motorbikes Goats Bibles Laptops and Routers Medical Treatment Amayi Chikoti Fund Collecting Boxes from Salima Bicycle Ambulances Mosquito Nets Seeds Solar charging for Tablets House Rebuilding Water Tank Eco-Stove and Briquette Businesses Project Setting up Costs Church Vehicle and Repayments Bank Charges in UK Bank Charges in Malawi TOTAL per S.O.F.A.	2020 £ 20,920 11,863 8,466 5,621 4,379 3,625 2,811 2,735 1,567 1,508 1,100 737 316 211 88 - - - - - 1,848 - 150 95 £68,040		2019 £ 11,361 23,124 - 5,413 8,114 1,875 - 2,770 4,945 - 4,082 - 775 428 119 5,615 3,289 3,209 2,385 1,645 303 -520 150 98
			£79,180

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FAITH IN ACTION

Independent Examiner’s Report to the Trustees of Faith in Action

I report on the Accounts and Notes of the Trust
 for the year ended 31[st]. December 2020 as set out on pages 11 to 14.

Respective responsibilities of Trustees and Independent Examiner

The charity’s Trustees are responsible for preparing the accounts.  The charity’s Trustees con-
sider that an audit is not required for this year under section 144 of the Charities Act 2011 (the
2011 Act) and that an independent examination is needed.

It is my responsibility to :

• Examine the accounts under section 145 of the 2011 Charities Act

• Follow the procedures laid down in general directions given by the Charity Commission (under section 145(5)(b) of the 2011 Charities Act and

• state whether particular ma�ers have come to my a�ention.

Basis of Independent Examiner’s Statement

My examination was carried out in accordance with the General Directions given by the
Charity Commission.  An examination includes a review of the accounting records kept by
the charity and a comparison of the accounts presented with those records.  It also includes
consideration of any unusual items or disclosures in the accounts and seeking explanations
from the Trustees concerning any such ma�ers.  The procedures undertaken do not provide
all the evidence that would be required in an audit, and consequently no opinion is given as
to whether the accounts present a ‘true and fair view’ and the report is limited to those
ma�ers set out in the statement below.

Independent Examiner’s Statement

I have completed my examination. I confirm that no material ma�ers have come to my
a�ention in connection with the examination giving me cause to believe that in any material
respect:

• (i) accounting records were not kept in respect of the Trust as required by section 130 of the Act; or

• (ii) the accounts do not accord with such records; or

• (iii) the accounts do not comply with the applicable requirements concerning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a ‘true and fair view’ which is not a ma�er considered as part of an independent examination.

I have no concerns and have come across no other ma�ers in connection with the examina-
tion to which a�ention should be drawn in this report in order to enable a proper under-
standing of the accounts to be reached.

………………………………………. J. E. Peck,  FCA.

40 Cranbrook Drive, Maidenhead,  Berks,  SL6 6SB

Dated …………………………………………………..

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