2024-12-31-accounts

Annual Report and Financial Statements for the Year Ended 31 December 2024

Faith In Action

Charity registration number: 293961

Independent Examiners Ltd 2 Broadbridge Business Centre Delling Lane Bosham Chichester West Sussex PO18 8NF

FAITH IN ACTION

CONTENTS

Reference and Administrative Details	1
Trustees' Report	2 to 21
Independent Examiner's Report	22
Statement of Financial Activities	23
Balance Sheet	24
Notes to the Financial Statements	25 to 31

FAITH IN ACTION

REFERENCE AND ADMINISTRATIVE DETAILS

Trustees Mr Brian Carter Mrs Sally Jeffree Mrs Jennifer Ainge Mr Nathaneal Edwards Philip Playfoot (appointed 31 January 2025) Charity Registration 293961 Number Principal Office 14 Gabriel Road Maidenbower Crawley West Sussex RH10 7LG Independent Examiner G W Schulz FCMA Independent Examiners Ltd 2 Broadbridge Business Centre Delling Lane Bosham Chichester West Sussex PO18 8NF Bankers Royal Bank of Scotland Drummond House 1 Redheughs Avenue Edinburgh EH12 9JN

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FAITH IN ACTION

TRUSTEES' REPORT

The trustees present the annual report together with the financial statements of the charity for the year ended 31 December 2024.

Structure, governance and management

Nature of governing document

Faith in Action was established in 1986. It is unincorporated and governed by a trust deed.

Recruitment and appointment of trustees

New trustees are appointed by current trustees. Three of the current trustees have all visited East Africa.

Organisational structure

At the end of the year there were four trustees. One trustee is responsible for the administration. One signatory looks after the accounts. There are no employees, and no payments are made to any trustee, associate or volunteer for work performed. All the projects in Africa are set up and overseen by project co-ordinators working for the church in Africa with whom we communicate regularly.

The administration of the charity is carried out at the registered office in Crawley. Regular communication is maintained with the other trustees who are kept up to date with all significant events and whose advice and agreement is sought with regard to an appropriate response to such events.

Decision making

Most new projects are proposed 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, email and WhatsApp contact between meetings. New projects are also discussed with church leaders in Africa and will only be implemented if they consider them to be appropriate for their needs and current circumstances.

Our experience has shown the importance of working as a united team with church leaders and project co-ordinators in Africa and only funding projects which everyone considers both appropriate and beneficial. This is one reason why we have sought to build strong relationships with church leaders and project co-ordinators in Malawi and to maintain good communication with them.

Information, costs and photographs for our current projects are presented in leaflet form and these leaflets are sent to supporters when there is a request for information. We have recently set up a new website with a new domain name: www.faithinaction.online. Many donations are given for specific 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 trustees after discussion with church leaders and project co-ordinators in Malawi.

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Trustees of Faith in Action should also ensure that:

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

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

3. all current projects are working well and are appropriate and beneficial to communities in Africa;

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

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

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

Risk management

The trustees have assessed the major risks to which the Charity is exposed, in particular those related to the operations and finances of the Charity, and are satisfied that systems and procedures are in place to mitigate exposure to the major risks.

We have taken out public and product liability insurance and employees’ insurance for the benefit of the trustees and volunteers who support our work. We also have management protection insurance. There have been no changes which required any alterations to our risk assessments files for all the activities of the charity.

The charity does not invest any finances in the stock market or own or rent any brick buildings. All projects are funded by sending the finances to the appropriate country by international bank transfer.

Objectives and activities

Objects and aims

The objects of the charity 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 Christ and the building up of His body the church by whatever legally charitable means the Trustees in their absolute discretion think fit.

Location and identified needs

Our work continues 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 insufficient and excessive rain over the last twenty years and this has resulted in poor food security. During the last six years this southern section of the country have faced four devastating cyclones which resulted in widespread destruction and loss of homes, possessions and crops.

The people living in the Lower Shire are mainly subsistence farmers who have few alternative sources of income when their crops fail. There are many orphans in this region and some of these orphaned children are cared for by their grandparents. There are also a large number of elderly widows who struggle to support themselves. Few farmers would be able to afford a Bible, and none are available for sale in the Lower Shire.

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We work with the Faith in Action Church (an unrelated organisation) which has over 600 congregations in Malawi. We therefore have excellent 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 benefit 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 wells giving access to clean drinking water.

3. To increase food security through irrigation schemes and by providing more drought and flood 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. We have recently started to provide support for elderly widows.

6. To provide Christian resources for church congregations and to distribute Bibles and Bible studies.

7. We have a ministry into prisons, providing food and Christian resources.

8. We have a ministry into one of the rubbish dumps on the edge of Blantyre, providing meals for the families who live there, and funding the setting up of businesses so that groups can leave the dump and support themselves financially.

9. We provide emergency relief following natural disasters such as droughts and cyclones.

Public benefit

The trustees confirm that they have complied with the requirements of section 17 of the Charities Act 2011 to have due regard to the public benefit guidance published by the Charity Commission for England and Wales.

Charity’s strategies for achieving stated objectives

Development projects: Most donations for projects are given by churches or individuals who have been supporting our charity for many years.

Funds are sent to Malawi by international bank transfer. Project co-ordinators in Malawi set up the projects and send reports, receipts, and photographs back to the UK. Where possible materials 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 finances which have been transferred to Africa and how these funds have been distributed during the preceding period. We aim to include photographs where these are available.

We have also set up a WhatsApp Broadcast which includes more information about our work, including videos of some of the beneficiaries of our projects.

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Details of significant activities

Our current and potential projects are as follows:

1. We provide funds for Bibles and other Christian resources in local languages.

2. 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 agreement 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.

3. We provide funding for the construction of boreholes.

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

5. 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 significantly higher yields for farmers.

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

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

8. We provide funds for mosquito nets. These funds have been invested in a longterm high-interest account in Malawi which pays interest every 30 days. The interest is used to purchase mosquito nets for families to protect them from malaria. Each family is provided with three nets. We have also started a second high-interest account, the interest from which will be used for purchasing Bibles.

9. We have a ministry in a rubbish dump on the outskirts of Blantyre. We have provided meals for the whole community who live in this dump scavenging for rubbish to sell. We also provide funds for setting up businesses, most of which enable a group of five people to leave the dump and to provide themselves with an income and accommodation.

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 benefit communities. We continually review the effectiveness of our projects and prioritise as appropriate. We are continuing to reevaluate what projects to support in future given that most of them did not survive the very destructive nature of recent cyclones. We need therefore to adapt current projects so that they are less vulnerable to flood damage [e.g. constructing irrigation schemes and boreholes on higher ground], or fund new projects which will not be so affected by adverse weather conditions.

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Achievements and Performance

Achievements : During the year from 1st January to 31st December 2024, we made a total of nineteen fund transfers to Malawi for a grand total of £150,980. These funds transfers including funding for the following purchases and projects.

1. Boreholes: We made six transfers during the year totalling £87,278 for the construction of 18 boreholes. These boreholes were in Mbobo, Kalaundi, Chimwembere, Mtantha, Likisoni, Lambwe, Maya, Vile, Nsaliva, Rosi, Chinsomba, Jimu, Kalupsa, Moffat, Dausi, Moses, and Changa villages in Malawi, and one in Mozambique.

Well in Likisoni Village

Well in Mtantha Village

2. Masika Maize Seeds : We made four fund transfers during the year for a total of £12,175 for 450 x 10kg packets of Masika maize seeds.

We sent a total of £3,015 on 18[th] March and 8[th] April for the purchase of 137 x 10 kg packets of Masika maize seeds, following the rains stopping early in some areas in the Lower Shire and the resultant crop failure in those areas.

Distribution of Seeds in Pastor Ntontha’s Area Sep/Nov Distribution of Seeds

We sent a total of £9,160 on 13[th] September and 4[th] November for the purchase of 313 x 10kg packets of Masika maize seeds before the rains were due to start, because following the crops’ failure during the year, families would lack seeds to plant.

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3. Conference and visits to Malawi : We sent a total of £7,285 for two visits to Malawi as follows:

On 7th May, we sent a total of £4,000 to provide funds for a conference which was held in the Lower Shire from 17-19 June. These funds provided transport for those attending to travel to the conference and food for the 200 people who attended these meetings for the three days.

On 13th September, we sent £3,267 to provide for the needs relating to a trip to Malawi during the first two weeks of October. These funds provided food and accommodation in the Lower Shire, which were both necessary because of the destruction caused by recent cyclones, together with transport, the hire of a vehicle and fuel. We also provided £209 for Bibles, exercise books and biros for those attending the meetings in Blantyre.

4. Medical Treatment: During the year we sent a total of £7,213 for the following medical treatments:

Maliseni Sandlamu: During January, we sent £900 for his medical treatment, £650 for the donut business, and £450 for three months’ rental and food. Mr Sandlamu had developed Elephantiasis in both his legs and feet. Elephantiasis is a painful condition where nematode worms are transmitted through bites of infected mosquitoes and then mature in the lymph system, blocking it and causing extreme enlargement of the affected area.

Area Pastor Winsted Golasi's wife: On 21[st] February, we sent £500 for medical treatment and £45 for walking sticks for Pastor Golasi’s wife who was bitten by a poisonous snake.

Pastor Alimiso: On 26th June, we sent £839 for Pastor Alimiso to have an operation to remove a brain tumour. This sum included funds for a specialist surgeon to travel 400 miles from Lilongwe to perform this operation, and a small amount to enable his wife to join him. This operation was successful, and we have received a video in which he thanks us for the wonderful support.

Amani Trinta: On 11th July, we sent a total of £1,229 to provide an operation, physiotherapy, transport, hospitality and a pair of crutches for Amani Trinta who is suffering from muscle atrophy in his legs and arms, and malnutrition. His father was trained to continue with physiotherapy when he returned home. After the medical treatment, we sent £650 to provide him with nourishing food for six months.

Mrs Wezi Msamange: On 15th August, we sent £750 to provide for medical consultation, tests and physiotherapy for Wesley’s wife, Wezi. They had spent a whole day at the Queen Elizabeth Hospital, trying to see a doctor. Eventually they were able to meet a nurse who suggested that it might be peripheral neuropathy. She said blood tests and other tests were needed and a magnetic resonance imaging test which is not available at Queens.

5. Maize Flour : During the year, we sent a total of £5,653 for the provision of 196 x 50kg bags and 200 x 20kg bags of maize flour as follows:

On 15th January we sent £2,275 for the purchase of 124 x 50kg bag of maize flour.

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This flour was distributed in Mbangu village. Wesley wrote that this maize flour was welcomed with a smile as they would be able to feed their families.

Distribution of Maize Flour in Mbangu Village

On 7[th] May we provided £1,814 to give the 200 conference attendees a 20kg bag of maize flour to take home to their families.

On 30[th] December we sent a further £1,564 for the purchase of 72 x 50kg bags of maize flour. This flour was distributed to Faith in Action churches in Malawi where Mozambican refugees had fled to following unrest in Mozambique.

6 . Printing Bible Studies: During the year, we sent a total of £4,882 for printing 6,882 Bible studies as follows: On 15th January, 18th March, and 8th April, we sent a total of £2,382 for printing 3,500 studies. On 13[th] September, we sent a further £2,500 for printing 3,382 studies.

7. Irrigation: On 8[th] April, we sent £4,853 for the construction of a smaller solar irrigation system together with the purchase of 35 x 10 kg packets of Masika maize seeds and 45 x 50 kg bags of fertilizer.

8. Monthly Gratuities for Church Leadership Team: At a trustees’ meeting held on Wednesday 23[rd] October, it was agreed that we would provide £500 each month to support the leadership team in Blantyre, and that we would discuss setting them up with an income-generating project in six months’ time. Following this agreement, we sent three payments at the end of October, November and December totaling £1,516. [One payment was increased to £516 to round up the total fund transfer figure.] We were also given a gift of £3,000 specifically for the leadership team which was sent to Malawi on 6[th] August.

9. Bibles: During the year, we sent a total of £4,359 for the provision of 411 Bibles. These funds were sent in five transfers as follows: on 15th January, 18th March, and 8th April, we sent a total of £2,338 for the purchase of 245 Bibles. On 13[th] and 23[rd] September, we sent a total of £2,020 for the purchase of a further 166 Bibles.

10. Ministry to Elderly Ladies: We have started a ministry to elderly ladies, mainly widows but also unmarried women, who are being accused of being witches who have murdered their children, just because they are now living alone. These accusations also extend to them being beaten and even killed, and we have been told by local pastors that this abuse in widespread. Because of their age, many of these ladies also find it

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difficult to work in their fields and therefore lack food. We are providing them with care and with food, so that these accusations and abuse stop. We are also planning to visit markets etc. to sensitise local people to the wrong of behaving in this way.

During the year we sent a total of £3,597 as follows: On 4th November, we sent £2,021 to provide food for a group of elderly ladies in the Chinsomba area. On 19[th] December, we sent a further £1,577 to provide 1,000 meals for elderly ladies in four different areas.

11. Scripture Sheets: It is hard for us to imagine a situation with few of the privileges that we enjoy in the UK. Subsistent farmers cannot afford a Bible, and none are available in the Lower Shire. Many of the new pastors do not own a Bible. We distributed Bibles in an area where 8 churches were sharing just 2 Bibles. We have provided over £77,000 for Bibles, but most of these will have been swept away during the cyclones, and even if Church members have a Bible, very few would have a concordance or a phone to find appropriate scriptures. With this in mind, we sent £1,500 on 6[th] August to print 12,000 A3 size sheets of Bible passages in Chichewa which were distributed to 40 families in each of 300 churches, and on 4[th] November, we sent £1,448 for a further 12,000 sheets.

During the year we sent a total of £2,948.00 for the printing of 24,000 A3-size Scripture sheets.

12 . Church Administration Equipment and Training : On 4[th] November, we sent a total of £2,089 to provide equipment and training for church administration as follows: £1,363 for 3 laptops, £158 for 3 Windows 11 software, £66 for 3 Microsoft Office software, £151 for one printer/scanner and £351 for computer training.

13. Goats: During the year we sent a total of £1,439 for the purchase of 42 goats. These funds were sent in two fund transfers: the first on 15th January for £358 for the purchase of 12 goats. The second on 27[th] November for £1,081 for the purchase of 30 goats.

14. Municipal Rubbish Dump Ministry: On 19[th] December, we sent £946 for the provision of 600 Christmas meals in the municipal rubbish dump on the outskirts of Blantyre.

15. Bicycle Ambulance: On 15[th] January we sent £344 for the purchase of one bicycle ambulance which has been located in Makanjira village.

16. High-Interest Account for Bibles and Mosquito Nets: During the year we sent a total of £442 to be paid into these two high interest accounts. We sent this sum in small amounts to round up our fund transfers to Malawi to a round figure. Also, if the exchange rate changes during the transfer of the funds, church leaders can take money from this proposed designation to meet their Malawi Kwacha requirements.

17. Distribution: During the year we sent a total of £748 to facilitate the distribution of the various items purchased.

18. Bank Charges in Malawi: During the year we sent a total of £213 for bank charges in Malawi for 19 fund transfers.

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Performance:

1. Boreholes: Recent cyclones have led the government to encourage communities who live in the lower areas of the Lower Shire to move to higher ground which is less likely to flood but where there will be no supply of clean drinking water. These wells have been constructed in these higher areas so that they are less likely to be damaged by flood water in the future.

Dan has reported that this whole project has been very successful and the community in the villages where wells were constructed are thankful and very excited. They have promised to take care of these wells and have formed committees who have been trained in how to maintain them when they are broken and will be overseeing the maintenance. The chief in each village takes the role of patron.

Borehole in Lambwe Village Borehole in Vile Village

2. Masika Maize Seeds : The 137 x 10 kg packets of Masika maize seeds which we provided during March and April, were planted in land beside the River Shire where they can water them with water from the river and hopefully produce a small replacement crop. This provision is limited to land which is close enough to the River Shire. There are many rivers which flow into the River Shire, but they usually dry up during the dry period from April to October.

Wesley wrote following the first distribution: “ We were able to go to Pastor Ntontha’s area. We were warmly welcomed. Pastor Ntontha thanked us and said that the seeds will go a long way in helping the people get a harvest. The President has declared several districts including Nsanje and Chikwawa as disaster areas due to hunger following low or no rain fall.

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Distribution of Seeds in Pastor Ntontha’s Area Sep/Nov Distribution of Seeds

3. Conference and visits to Malawi : After visiting the Lower Shire, my observations were that although I understand that water covered the entire area during Cyclone Freddy, some areas look relatively untouched while there are swathes which were utterly destroyed, as with Vile Village shown below.

Vile Village: Destroyed by Cyclone Freddy After the Meeting in Nsaliva Village

4. Medical Treatment: During the year we sent a total of £7,213 for the following medical treatments:

Maliseni Sandlamu: Wesley wrote: we have taken Mr. Maliseni Sandlamu to the hospital this afternoon. He was overjoyed at receiving such news. He wept tears of joy that someone could care for him in such a way. He was all praises and thanks to you for such love. His family as well were left speechless and overjoyed.

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Area Pastor Winsted Golasi's wife: Wesley wrote: “We travelled well and have arrived in Blantyre. She is quite weak but responsive and thankful. Pastor Golasi is very thankful and asked me to pass on the message. Thank you for your love and care. The doctor suggested that when she is discharged, we might need to get her walking sticks as she might struggle to walk till the wound fully heals. The bite was near the heal and so it could disturb her walking for a while.”

Pastor Alimiso: This operation was successful, and we have received a video in which he thanks us for the wonderful support.

Amani Trinta: All this medical treatment was successful, but he will need continued physiotherapy to make a full recovery. Doctors are hopeful that he will be able to walk in time. Once again, Wesley sent us a video in which his father thanked us for this help.

Mrs Wezi Msamange: We understand she is much better following her treatment.

All this medical treatment was successful but with Maliseni Sandlamu, Area Pastor Winsted Golasi's wife, and Amani Trinta, the complete healing would take several weeks or months.

Pastor Alimiso (left), after the operation Amani Trinta is in the Wheelchair

5. Maize Flour : The purchase of 124 x 50kg bag of maize flour purchased during January was distributed in Mbangu village. Wesley wrote that this maize flour was welcomed with a smile as they would be able to feed their families.

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The 200 x 20kg bag of maize flour provided in May was given to the attendees of the conference in June to take home to their families. They knew that they had been eating while their families were not, following the failed harvest and the current food shortages.

Following the distribution of maize flour for Mozambican refugees at the end of the year and during the new year, we received a report later from Dan Nkhandwe that 200 of these Mozambican refugees have already chosen to receive Jesus Christ as their Lord and Saviour following the love which they have received from these churches as they were provided with accommodation and food, and they are currently being baptised.

Distributing Maize Flour after Conference Distribution of Maize Flour for Refugees

6. Printing Bible Studies: We received two reports following the distribution of Bible studies during the year as follows:

First Report : Wesley wrote: “ I would like to thank you and the entire UK team for the love that has been given by the spiritual food. Pastor Mandala of Sorjin spoke on behalf of the other Pastors and asked us to thank you for the Bibles and Bible studies. He said that this is very important as it helps to quench the thirst for spiritual material. As we distributed the Bibles and Studies, there was joy in the church. The ladies ululated with joy, and we were repeatedly asked to say a big thank you to our friends in the UK.

I also received a request from the youth leaders of Nkhate, Msusa, Osiyana and Fatima for Bibles and Bible studies funds permitting. They also gave an update on the youth ministry. They are meeting twice a month where they worship God in song, preaching, meditation, Bible study and encourage one another on challenges they go through. They suggested that these Bibles and studies could be kept in the church as a library, and they could share them when they meet.”

Second Report : Wesley wrote: “Pastor Gama spoke on behalf of other leaders and said that the spiritual food uplifts the church and even the pastors as they too need to be fed to feed the flock. He once again thanked the UK team for the love and care you show to the people of Malawi.”

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March Distribution of Studies September Distribution of Studies

7 . Irrigation: A smaller solar irrigation system has recently been produced which irrigates 35 acres instead of the 200-acre system which we have been providing. It is considerably cheaper. We thought that it would be advantageous to provide more, smaller systems which could be spread more widely over the Lower Shire. We therefore provided funds for this as a pilot project. The cost was subsidized because it was part of a promotion.

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Construction of Brick Pillar
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Installing the Solar Panels

9. Bibles: Wesley wrote following the first distribution: “ The distribution of the Bibles and studies continues to be a blessing to the church as the spiritual food uplifts the people. The pastors were very thankful and passed on their thanks. I was blessed to hear a testimony from one of the new pastors, Pastor Genti, who said this was in fact the first time for him to own a Bible. He said that he will be able to minister better as he has now been equipped with Bible study and Bible.”

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Wesley wrote following the distribution of Bibles in September: we invited several leaders from neighbouring churches so as to distribute the 150 bibles among different groups. The excitement was just overwhelming. Several of these leaders had not received a Bible before. Pastor Mapinga spoke on behalf of everyone and thanked us and in a special request asked us to pass their appreciation to the UK team for such love.

First Distribution of Bibles September Distribution of Bibles

10 . Ministry to Elderly Ladies: Following the first distribution of food, Wesley reported: “ We have been having a wonderful and time with the elderly women. It is very important to consider the abuse they get once they are old. The belief that once they are old, they become witches is very unpleasant and puts them at risk. As we have visited the different areas, the story is the same and one that brings tears to our eyes. The elderly women were so happy and thankful that they are being thought about in a positive way and the love shown through this provision of food. They have never received such a kind gesture in their elderly state. The pastors were very happy with this love shown to the elderly and asked us to thank the entire UK team for remembering them.

Pastor Basiyao called me to say that the word has gone round about the love shown to the ladies. The local councilor of the area came to see him to hear more, and he was amazed as that has never happened in the area. Pastor Ndaona also called to share that many people in the area are asking him about the food for the elderly women as they just never expected anyone to do that for the elderly.”

Following the distribution of Christmas meals, Wesley wrote: Firstly, I would like to thank you for the provision of the meals for the elderly ladies. This indeed has been a great encouragement to them that despite the tough times and being looked down upon and considered to be witches, they have been shown love and remembered. The meals were provided in Kalumbi and Tengani areas. We were able to also meet the chiefs and share with them the importance of sensitizing the communities on love towards the elderly.

We expressed our desire as a church to work hand in hand with them to ensure that elderly women are treated right and respected and safeguarded. The response from the community leaders was very positive. They were very thankful for the meals as

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they said most of these elderly women go hungry for several days and most of them are not strong enough to go to the fields. They also encouraged us to continue to engage members of the community and to preach love and this would in the long run help to curb the violence against the elderly women. The elderly women were very very happy and excited. They said that in their many years, they have never experienced such a gesture love towards them.

First Provision of Food for Elderly Ladies Second Provision of Food for Elderly Ladies

11. Scripture Sheets: Following our first distribution of Scripture Sheets, Wesley wrote: Once again, we were warmly welcomed, and the scriptures continue to bless many. We met an elderly man who was not too well who said that it would be important to ask Sally for scriptures to do with health and God restoring health.

Pastor Yonas Khembo with a Box of Sheets, A3 size Sheet of Bible Verses in Chichewa

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13 . Goats: The 12 goats provided in January were given to 4 foster parents who had each fostered one orphan in Nsantu Village. Each family received one male and two female goats.

The 30 goats provided in November were given to 10 foster families who had each fostered one orphan in Moffat, Tinala, and Dola villages.

Goats in Nsantu Village Goats in Tinala Village

14. Municipal Rubbish Dump Ministry: Following the distribution of these Christmas meals, Wesley wrote: These meals brought so much joy to the people. They really enjoyed them, and some said they were their gifts for Christmas. A certain man said that he does not even remember when he last had chicken. One of the leaders in his thanksgiving speech asked us to thank our friends in the UK for providing these meals. It was so fulfilling to see the happy faces enjoying their meals.

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15 . Bicycle Ambulance: This bicycle ambulance which was located in Makanjira Village was provided at the time when the people in this village were facing serious problems with cholera patients needing to be taken to the nearest clinic and for carrying the dead bodies from the hospitals to their homes for burial.

Bicycle Ambulance in Makanjira Village

16 . High-Interest Account for Bibles and Mosquito Nets:

BIBLE ACCOUNT : The current total in this account for Bibles is MK1,872,280 (£843 at the current exchange rate of £1 = MK2,220).

MOSQUITO NET ACCOUNT : The current total in this account for mosquito nets is MK4,987,215 (£2,246 at the current exchange rate).

The current totals for these two accounts have been greatly reduced. We have paid £10,544 into the mosquito net account and £1,244 into the Bible account. This is the result of the devaluation of the Malawi Kwacha since 2008. Since 2008, when we first invested in the high interest account for mosquito nets, the Malawi Kwacha has devalued from MK285 to MK2,260 to £1.

However, we have still made a very substantial profit from this mosquito net account. In the 16 years from 2008 to the end of 2023, we have been able to purchase 12,712 nets with interest paid from this account, and these have been given to 4,890 families in 308 villages. The cost for these 12,712 nets, which averaged at £5 each, is therefore £63,560.

INTEREST FROM MOSQUITO NET ACCOUNT: The interest received for the months of January to March this year was MK1,350,000. These funds were used to purchase 90 mosquito nets at MK15,000 each. They were distributed in Magoti Village where 3 nets were given to 30 families. The interest received for the months of April to September was MK3,150,000. These funds were used to buy 210 Mosquito nets which was distributed to a total of 70 families in Kailedzi and Chikhawo villages. Each net cost MK15,000. [Prices in Malawi have doubled or tripled since the beginning of this year. The price for mosquito nets has risen from MK8,000 in January to MK15,000.]

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FAITH IN ACTION

TRUSTEES' REPORT (CONTINUED)

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Distribution of Nets in Magoti Village Distribution of Nets in Chikhawo Village

INTEREST FROM BIBLE ACCOUNT: The interest received this year was MK 1,400,000 which purchased 50 bibles in December last year. The high interest account has been able to meet the people's spiritual need in Ntcheu. Pastor Chawiya took us to an area called Nsipe where the 50 bibles were distributed. The team that received these were very thankful for the Bibles and they asked us then to thank Faith in Action UK for their love.

Future Plans:

1. Goal : Our goal has always been to enable communities to prosper in the longterm by setting up sustainable income-generating projects. However, this goal has been delayed - especially during the recent eight years - by cyclones, Covid 19, crops failures, and political unrest and ISIS attacks which produced refugees which needed caring for.

As a Christian charity, we believe that the way out of poverty is complex and is not resolved with the provision of finances alone. When communities have faced a lifetime of poverty and crises, they often see themselves as weak and expect projects to fail. Thus, if projects are to succeed, communities need to believe in their ability to prosper. This can be achieved by encouraging them to think more positively about themselves and their abilities. They can also learn to think more positively about their future by studying God’s Word and believing in the wonderful promises included in it.

2 . Inexpensive Income-Generating Projects : Our solar irrigation projects have been very successful, but they are expensive to set up and are therefore limited in number. Also, following recent cyclones, we have recently been constructing them on higher ground where they are less likely to be destroyed, and this also limits where

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FAITH IN ACTION

TRUSTEES' REPORT (CONTINUED)

they can be located.

We therefore need to find income-generating projects which are less expensive to set up, and which can withstand destructive weather conditions. We have been providing alternative crops for several years which can withstand less severe weather conditions, but none of them can withstand a severe cyclone.

3 . Bamboo : We are currently investigating the planting of bamboo. Bamboo has many environmental benefits including water conservation as well as providing income through the sale of wood as firewood, charcoal briquettes, house construction materials, or furniture. Also, as the Lower Shire was severely de-forested when about a million Mozambican refugees sought refuge in Malawi in the late 1980’s. The area therefore needs to be re-forested.

However, bamboo can produce problems, especially through its invasive nature. It is therefore important to choose clumping rather than running varieties but even clumping varieties can spread if it is not managed well. They also need to be watered well until they are established.

4. Church Leadership Support : In the past we have provided support for the church leadership team through a variety of different income-generating projects. These were successful for a time but ultimately failed because of a lack of reinvestment. When church communities lack food after crops failures, money which should have been used for re-investment was spent on food.

We have been providing a temporary gratuity of £500 each month, but this is not sufficient to provide for the needs required to care for over 600 churches and will not provide long-term help. We have also encouraged churches to give some of their tithes to the leadership team, but this is not sufficient to provide what is needed. We would therefore like to find an appropriate income-generating project during this current year which would provide them with the finances that they need to care for all these churches.

Financial review

Income for the year amounted to £148,006 (2023: £84,180) and expenditure £153,613 (2023: £99,018). The deficit was added to funds brought forward, with general funds being £6,912 at the year end.

Going concern

After making appropriate enquiries, the trustees have a reasonable expectation that the charity has adequate resources to continue in operational existence for the foreseeable future. For this reason they continue to adopt the going concern basis in preparing the financial statements.

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Statement of Responsibilities

The trustees are responsible for preparing the trustees' report and the financial statements in accordance with the United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice) and applicable law and regulations. The law applicable to charities requires the trustees to prepare financial statements for each financial year which give a true and fair view of the state of affairs of the charity and of the incoming resources and application of resources of the charity for that period. In preparing these financial statements, the trustees are required to:

• select suitable accounting policies and then apply them consistently;

• observe the methods and principles in the Charities SORP;

• make judgements and 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; and

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

The trustees are responsible for keeping proper accounting records that disclose with reasonable accuracy at any time the financial position of the charity and enable them to ensure that the financial statements comply with the Charities Act 2011, the Charities (Accounts and Reports) Regulations 2008, and the provisions of the constitution. The trustees are also responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

The annual report was approved by the trustees of the charity on 4 July 2025 and signed on its behalf by:

......................................... ......................................... Mrs Sally Jeffree Mrs Jennifer Ainge Trustee Trustee

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FAITH IN ACTION

INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF FAITH IN ACTION

I report to the trustees on my examination of the accounts of Faith In Action for the year ended 31 December 2024.

Responsibilities and basis of report

As the charity trustees of Faith In Action 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 Faith In Action'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 145(5)(b) of the Act.

Independent examiner’s statement

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

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

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

3. the accounts do not comply with the accounting requirements concerning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a ‘true and fair view' which is not a matter considered as part of an independent examination.

I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the accounts to be reached.

...................................... G W Schulz FCMA Independent Examiners Ltd 2 Broadbridge Business Centre Delling Lane Bosham Chichester West Sussex PO18 8NF

4 July 2025

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FAITH IN ACTION

STATEMENT OF FINANCIAL ACTIVITIES FOR THE YEAR ENDED 31 DECEMBER 2024

Note Unrestricted funds £ Income and Endowments from: Donations and legacies 2 26,106 Investment income 3 298 Total income 26,404 Expenditure on: Charitable activities 4 2,348 Total expenditure 2,348 Net income/(expenditure) 24,056 Gross transfers between funds (29,663) Net movement in funds (5,607) Reconciliation of funds Total funds brought forward 12,519 Total funds carried forward 9 6,912	Restricted funds £ 121,602 - 121,602 151,265 151,265 (29,663) 29,663 - - -	Total 2024 £ 147,708 298 148,006 153,613 153,613 (5,607) - (5,607) 12,519 6,912	Total 2023 £ 83,990 190
			84,180
			99,018
			99,018
			(14,838) -
			(14,838) 27,357
			12,519

The notes on pages 25 to 31 form an integral part of these financial statements. Page 23

FAITH IN ACTION

BALANCE SHEET AS AT 31 DECEMBER 2024

Note Current assets Debtors 7 Cash at bank and in hand Creditors: Amounts falling due within one year 8 Net assets Funds of the charity: Unrestricted income funds Unrestricted funds Total funds 9	2024 £ 1,330 6,242 7,572 (660) 6,912 6,912 6,912	2023 £ 291 12,858
		13,149 (630)
		12,519
		12,519
		12,519

The financial statements on pages 23 to 31 were approved by the trustees, and authorised for issue on 4 July 2025 and signed on their behalf by:

......................................... Mrs Sally Jeffree Trustee

......................................... Mrs Jennifer Ainge Trustee

The notes on pages 25 to 31 form an integral part of these financial statements. Page 24

FAITH IN ACTION

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2024

1 Accounting policies

Statement of compliance

The financial statements have been prepared in accordance with the second edition of the Charities Statement of Recommended Practice issued in October 2019, the Financial Reporting Standard applicable in the United Kingdom and Republic of Ireland (FRS 102) and the Charities Act 2011.

Basis of preparation

Faith In Action meets the definition of a public benefit entity under FRS 102. The accounts (financial statements) have been prepared under the historical cost convention with items recognised at cost or transaction value unless otherwise stated in the relevant note(s) to these accounts.

Going concern

The trustees consider that there are no material uncertainties about the charity's ability to continue as a going concern.

Income and endowments

Voluntary income including donations, gifts, legacies and grants that provide core funding or are of a general nature is recognised when the charity has entitlement to the income, it is probable that the income will be received and the amount can be measured with sufficient reliability.

Donations and legacies

Donations and legacies are recognised on a receivable basis when receipt is probable and the amount can be reliably measured.

Gift aid

Income tax recoverable in relation to donations received under Gift Aid or deeds of covenant is recognised at the time of the donation.

Interest receivable

Interest on funds held on deposit is included when receivable and the amount can be measured reliably by the charity; this is normally upon notification of the interest paid or payable by the institution with whom the funds are deposited.

Expenditure

All expenditure is recognised once there is a legal or constructive obligation to that expenditure, it is probable settlement is required and the amount can be measured reliably. All costs are allocated to the applicable expenditure heading that aggregate similar costs to that category.

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FAITH IN ACTION

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2024 (CONTINUED)

Charitable activities

Charitable expenditure comprises those costs incurred by the charity in the delivery of its activities and services for its beneficiaries. It includes both costs that can be allocated directly to such activities and those costs of an indirect nature necessary to support them.

Debtors

Trade and other debtors are recognised at the settlement amount after any trade discount offered. Prepayments are valued at the amount prepaid net of any trade discounts due.

Cash and cash equivalents

Cash and cash equivalents comprise cash on hand and call deposits, and other short-term highly liquid investments that are readily convertible to a known amount of cash and are subject to an insignificant risk of change in value.

Liabilities

Liabilities are recognised when there is an obligation at the Balance Sheet date as a result of a past event, it is probable that a transfer of economic benefit will be required in settlement, and the amount of the settlement can be estimated reliably.

Liabilities are recognised at the amount that the charity anticipates it will pay to settle the debt or the amount it has received as advanced payments for the goods or services it must provide.

Fund structure

Unrestricted income funds are general funds that are available for use at the trustees discretion in furtherance of the objectives of the charity.

Restricted income funds are those donated for use in a particular area or for specific purposes, the use of which is restricted to that area or purpose.

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NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2024 (CONTINUED)

2 Income from donations and legacies

Donations and legacies; Donations Gift aid reclaimed 3 Investment income Interest receivable and similar income; Interest receivable on bank deposits	Unrestricted funds General £ 24,334 1,772 26,106 Unrestricted funds General £ 298	Restricted funds £ 119,451 2,151 121,602 Restricted funds £ -	Total 2024 £ 143,785 3,923 147,708 Total 2024 £ 298	Total 2023 £ 79,835 4,155
				83,990
				Total 2023 £ 190

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FAITH IN ACTION

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2024 (CONTINUED)

4 Expenditure on charitable activities

Note Cyclone relief Irrigation systems Translating and rinting Bible studies Goats Bibles Prison ministry Rubbish dump ministry Wells Masika Maize Seeds Medical treatment Other project expenditures Project setting up costs Conference and visits to Malawi Maize Flour Gratuities for Church Leadership Team Ministry to Elderly Ladies Bank charges in Malawi Bank charges in UK Allocated support costs 5	Unrestricted funds General £ - - - - - - - - - - - - - - - - - - 2,348 2,348	Restricted funds £ - 4,853 4,882 1,439 4,359 - 946 87,278 12,175 7,213 5,823 748 7,285 5,653 4,516 3,597 213 285 - 151,265	Total 2024 £ - 4,853 4,882 1,439 4,359 - 946 87,278 12,175 7,213 5,823 748 7,285 5,653 4,516 3,597 213 285 2,348 153,613	Total 2023 £ 13,245 14,067 3,869 2,881 2,964 7,286 23,932 9,250 9,789 - 6,649 2,347 - - - - 120 135 2,484
				99,018

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FAITH IN ACTION

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2024 (CONTINUED)

5 Support costs

Note Insurance Independent examination Marketing/promotion Software 4	Unrestricted funds General £ 1,102 660 346 240 2,348	Restricted funds £ - - - - -	Total 2024 £ 1,102 660 346 240 2,348	Total 2023 £ 1,154 630 508 192
				2,484

6 Trustees remuneration and expenses

No trustees, nor any persons connected with them, have received any remuneration from the charity during the year.

No trustees have received any reimbursed expenses from the charity during the year.

7 Debtors

Other debtors 8 Creditors: amounts falling due within one year Accruals	2024 £ 1,330 2024 £ 660	2023 £ 291
		2023 £ 630

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FAITH IN ACTION

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2024 (CONTINUED)

9 Funds

Unrestricted funds General General Funds Restricted funds Project fund Total funds Unrestricted funds General General Funds Restricted funds Project fund Total funds	Balance at 1 January 2024 £ 12,519 - 12,519 Balance at 1 January 2023 £ 27,357 - 27,357	Incoming resources £ 26,404 121,602 148,006 Incoming resources £ 22,157 62,023 84,180	Resources expended £ (2,348) (151,265) (153,613) Resources expended £ (2,484) (96,534) (99,018)	Transfers £ (29,663) 29,663 - Transfers £ (34,511) 34,511 -	Balance at 31 December 2024 £ 6,912 -
					6,912
					Balance at 31 December 2023 £ 12,519 -
					12,519

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FAITH IN ACTION

NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2024 (CONTINUED)

10 Analysis of net assets between funds

10 Analysis of net assets between funds
Current assets Current liabilities Total net assets Current assets Current liabilities Total net assets	Unrestricted funds General £ 7,572 (660) 6,912 Unrestricted funds General £ 13,149 (630) 12,519	Total funds at 31 December 2024 £ 7,572 (660)
		6,912
		Total funds at 31 December 2023 £ 13,149 (630)
		12,519

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