Stories Of Impact
#MyGivingJourney x Nadia Ahmad Samdin: Changing the game for giving  
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Stories Of Impact

Stories Of Impact

#MyGivingJourney x Nadia Ahmad Samdin: Changing the game for giving  

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CFS’s #MyGivingJourney series portrays extraordinary women and their efforts in philanthropy. This story features Nadia Ahmad Samdin, CFS’s legacy giving ambassador and a woman who wears many hats. 

Many who donate to charity often ask: For every dollar they give, what good actually comes of it? Nadia Ahmad Samdin believes increasingly, we will be able to answer that. In a world where tracking usage is commonplace – from our phone use to carbon footprint– a data-driven approach to philanthropy could be a game-changer. The Community Foundation of Singapore (CFS) aligns with Nadia’s belief and strives to be a trustworthy organisation that is transparent and accountable.  

Nadia is Counsel & Project Leader at Tri-Sector Associates, a pioneering social enterprise that is finding innovative ways to solve complex social problems. In June 2021, Tri-Sector launched the first Social Impact Guarantee (SIG) with the Lorinet Foundation, TL Whang Foundation and the YMCA for its Vocational and Soft Skills Programme, which helps empower vulnerable youths. But here’s what’s pivotal: the SIG offers donors a money-back guarantee if targets are not met. This outcomes-based funding is relatively new but is gaining traction with impact-minded donors who focus on what works and are willing to provide capacity building support to charitable organisations, Nadia says.   

Community has defined Nadia’s life from a young age. She began volunteering when she was in secondary school and by her 20s, her calendar was full serving with community initiatives such as the Singapore Council of Women’s Organisations, Lembaga Biasiswa Kenangan Maulud (an IPC), the South East Community Development Council and the National Youth Council. 

After graduating from Singapore Management University, Nadia embarked on a career at TSMP Law Corporation. Her six years in corporate law taught her to “bridge divides, come up with creative solutions and put myself in others’ shoes to work towards outcomes which are mutually agreed upon”, she says.   

In 2020, she became a member of parliament for Ang Mo Kio GRC, making the 31-year-old one of Singapore’s youngest parliamentarians. Nadia has also served as a panel adviser to the Youth Court and worked with girls who have done reformative training. These diverse experiences have made her an authentic voice on issues close to her heart such as youths at risk, mental health, inequality and the environment.  During her free time, she also participates in marine clean-ups, including as a volunteer diver with Our Singapore Reefs, a ground-up initiative formed by marine biologists with an interest in coral conservation.   

Nadia is also a legacy giving ambassador for CFS’s A Greater Gift campaign, which is rallying Singaporeans to leave a legacy through planned charitable gifts. CFS works with donors to structure their giving so that people can leave insurance monies, CPF savings, marketable securities and even tangible assets to the causes they care deeply about.   

You don’t need to have very deep pockets to make a transformative and lasting impact, Nadia emphasises. “As someone who went to school with the help of financial assistance, I know how precious it is to be given an opportunity by someone who believes in you,” she says. “Everyone can make a difference,” says this young changemaker. “Start where you are, Use what you have, Do what you can.” 

Begin your own journey of giving with CFS. Read more stories about the #MyGivingJourney series here.  

This article was written by Sunita Sue Leng, a former financial analyst and journalist, who believes that the written word can be a force for good. She hopes to someday write something worth plagiarising. 

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Events

Collaborative Giving to build Community Mental Health Champions

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The Community Mental Health Champions Initiative, a collaborative project by the Community Foundation of Singapore (CFS) and Empact and supported by our corporate partner. It aims to recruit, train and retain 1,000 community mental health champions. Through this initiative, we will build a pool of mental health champions. These champions will actively support the sandwiched generation with a listening ear and signposting to professional services when needed – helping more people prevent or access support for mental health issues. 

The Community Mental Health Champions Initiative is carried out in two phases – Design Phase and Implementation Phase. During the design phase, eleven organisations will come together for a series of workshops to share their knowledge and build a collaborative understanding on issues regarding mental health and how to equip these champions. These eleven organisations are Be Kind SG, Bettr Lives, Caregivers Alliance, Community of Peer Support Specialists, Growthbeans, Loving Heart, O’Joy, Psychological Initiative, SG Assist, Singapore Anglican Community Services, Singapore University of Social Sciences. 

These workshops enable the organisations to align a common vision – mental health promotion intervention – and create opportunities for shared knowledge. Started on 9 July, the first workshop began by defining the Sandwiched Generation. Last week during the second workshop, the organisations shared about mapping and understanding the overall mental health support ecosystem. 

Find out more about how you can be part of this initiative or about collaborative giving here.

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Events

CFS Change Matters Series: Mens, Manus and Machina – How AI Empowers People, Institutions & the City in Singapore

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Artificial intelligence (AI) will be a disruptive influence on society, for good as well as ill – and there is a duty to provide a sense of hope, upfront, that humans will be able to prevail.

That was the core message of the inaugural CFS Change Matters Series talk, “Mens, Manus and Machina – How AI Empowers People, Institutions & the City in Singapore”. It was delivered on 21 June 2023 by Professor Jinhua Zhao, Associate Professor of Transportation and City Planning at the Massachusetts Institute of Technology (MIT).

“Mens”, “manus” and “machina” are Latin for “mind”, “hand”, and “machine” respectively, and the title plays on MIT’s motto, “mens et manus”. The title of the talk is also the name of a multi-disciplinary collaborative project between MIT and Singapore’s National Research Foundation. The collaboration is co-led by Prof Zhao, and aims to address the following questions:

  1. How will we design technology and train humans to build the skills and habits for human success in a robotics-heavy environment?
  2. How will we adapt our social and business institutions to create the incentives and protections for innovation and human welfare?

In his talk, Prof Zhao shared four key insights into AI.

1. AI will transform, rather than reduce, demand for workers

Enablement, not elimination, of workers

The aftermath of the Industrial Revolution (1760-1840) saw the rise of the machine, leading to a major change in the way we worked. This did not, however, reduce overall demand for workers.

Citing economist James Bessen, 1 Prof Zhao noted that the number of ATMs in the USA grew rapidly from the 1970s, when the first ATMs were installed in banks. However, the role of the bank teller was not eliminated, but enabled. Bank tellers now focused on value-added services centered on human interactions, which could not be replaced by ATMs. As such, the number of bank tellers increased.

Employment grows along with automation

While automation has led to displacement and job loss, there has historically not been a fall in overall employment. Increased productivity from automation, as well as the growth of new human desires over time, have created entirely new jobs and industries.

This has led to an overall increase in employment; in fact, the 2018 US Census counted that more than 60% of jobs in 2018 had not yet been “invented” in 1940.

2. AI is not all the same

Expert versus Learning Systems

AI systems generally fall into two categories: expert systems and learning systems.

  • Expert systems rely on predefined rules and a knowledge base to mimic the expertise of specialists.
  • Learning systems, such as machine learning, mimic the way the brain learns and processes information.

Discriminative versus Generative Models

In addition, AI systems mainly adopt either a discriminative or a generative model in relation to their inputs.

  • Discriminative models classify or discriminate between different inputs, based on their features.
  • Generative models learn the patterns and relationships within the data input to generate new samples that resemble the original data.

The ubiquitous ChatGPT, for example, is a Large Language Model, an example of a generative model AI that can produce human-like chat responses.

3. The real impacts of AI on society

AI will replace white-collar jobs, not blue-collar jobs

While the Industrial Revolution replaced manual workers, AI’s superior analytic and generative skills enable it to replace white-collar jobs like office workers and scientists.

For example, a Google-developed AI known as AlphaFold was able to significantly outperform human scientists in the field of protein structure prediction – a feat normally requiring decades of expertise from humans.

As such, it is “highly skilled” white-collar jobs that may be at risk from AI – a concerning proposition for developed economies that depend heavily on these jobs.

The response of social institutions will determine the impacts of AI

The impact of AI does not occur in a vacuum. Tapping the beneficial impacts of AI on living standards depends on how successfully social institutions can take advantage of it. For example, society must continue to be responsible for providing financial safety nets for those displaced by AI, and for caring for seniors who may find it harder to adapt.

These institutions must also respond to not just the economic challenges, but the social challenges of AI. Citing the intellectual Yuval Noah Harari, Prof Zhao noted that generative AI, for example, could destroy the ability for people to have meaningful conversations – and undermine democracy in the process.2

4. Science, government, and individuals can respond to AI productively

Science can help us control AI

Science must solve the alignment problem3 in order to develop beneficial AI – which takes only actions that achieve human objectives and preferences. Otherwise, AI could unintentionally act in a way that is destructive and harmful to humanity.

Governments can educate humans to fill areas that AI cannot

While AI is powerful, it is not superior to humans in all areas. Humans are better than AI at:

  • Creativity: being able to apply knowledge from one area to another area
  • Dexterity: tasks involving manual dexterity
  • Social intelligence: conducting “social negotiations” with humans, such as knowing when it is safe to turn while driving
  • Long-term planning: being able to break long-term plans (e.g. a 5-year plan) into shorter increments

With that in mind, governments should focus education on creativity and communication, as well as critical thinking: the ability to judge, and to ask the right questions. This prepares students to become evaluators, directors and planners, instructing AI to act on their goals.

The role of teachers will also change as AI evolves and becomes deployable at scale as an individual, customized teaching assistant. AI will enhance students’ learning and help teachers understand students; teachers will be tasked with socially engaging, empathizing with, and supervising students, rather than merely delivering content.

Individuals can change their mindsets to be resilient in the face of AI

Finally, the impact of AI, and job displacement, on individuals will not purely be economic. It will be personal as well, given how central work is to our social and emotional lives, and to our sense of purpose.

Individuals can make the following mindset changes, in order to be resilient:

  • Adopting a lifelong learning mindset: this means developing new skills while working, rather than focusing on academic learning as preparation for work.
  • Adopting a flexible mindset: understanding that while change is the new normal, humans have always had the capacity to adapt. This is especially important for youths.

Final thoughts: how philanthropy can respond to AI

Philanthropists reading this may wonder: how do I respond to the challenges posed by AI? CFS is Singapore’s first community foundation, with 15 years of experience and a network of over 400 charity partners. We leverage our experience and grantmaking expertise to identify and evaluate key opportunities for individual and corporate donors to make greater impact.

We think the following giving approaches may be valuable to respond to AI:

  • Supporting seniors to age well in the community, so they remain cared for and are not left behind.
  • Enabling youths to access quality education, through schools and Institutions of Higher Learning, and prepare for the AI-empowered future.
  • Funding efforts to improve employability, so that individuals develop the skills they need to keep working.
  • Ensuring that mental wellbeing is supported, to help individuals build the resilience to cope with changes.
  • Tackling climate and environment issues, to mitigate and adapt to this additional source of negative disruption.

To find out more about CFS and our leading role in Singapore’s philanthropy ecosystem, please click here.

CFS would like to extend our heartfelt gratitude to our donors Oliver Kwan and Helen He from the Evergreen Changemaker Fund for their invaluable support and extending the invitation to Prof Zhao, which made this event possible.

References

1 Bessen, James. “Toil and Technology.” Finance & Development 52, no. 1 (March 2015): 16–19. https://www.imf.org/external/pubs/ft/fandd/2015/03/pdf/bessen.pdf.

2 “Yuval Noah Harari Argues That AI Has Hacked the Operating System of Human Civilisation,” The Economist, April 28, 2023, https://www.economist.com/by-invitation/2023/04/28/yuval-noah-harari-argues-that-ai-has-hacked-the-operating-system-of-human-civilisation.

3 The problem of aligning AI with humans’ objectives and values.

The competition was organised by City Harvest Community Services Association and received support from FUN! Fund, a Community Impact Fund jointly established by the Community Foundation of Singapore and the Agency for Integrated Care, with the aim of addressing social isolation among the elderly.

Senior Minister of State, Ministry of Communications and Information & Ministry of National Development Mr Tan Kiat How attended the event. He encouraged the elderly to stay physically and mentally well, as well as urging them to participate in community activities and enjoy their golden years together.

Learn more about FUN! Fund at https://www.cf.org.sg/fun-fund/.

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‘I thought I couldn’t go through any more of it’: Cancer patient gets help after insurer says ‘no’ to $33k bill

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Good Samaritans have stepped forward to help a cancer patient, who hopes to spend more quality time with her 15-year-old daughter while keeping the disease at bay.

The drug that Ms Koh Ee Miang, 45, needs to control the spread of her cancer is expensive, and her insurance company has refused to pay for it – leaving her with an outstanding bill of more than $33,000 for treatment carried out between November and January.

Hard-pressed to pay for the drug, she stopped the treatment in January and reverted to basic chemotherapy. Her cancer markers jumped 50 per cent and her tumour grew.

Her oncologist, Dr Choo Su Pin of Curie Oncology, put her back on the targeted therapy treatment and offered to let her pay in instalments. Said Dr Choo: “The treatment works. Do I stop her medicine?”

The drug not only slows the spread of the cancer, it also reduces pain and has fewer side effects than chemotherapy.

Both patient and doctor were in a quandary over the high cost of the treatment after insurers rejected the claim.

Ms Koh is a housewife who says she hopes to take her 15-year-old daughter on a holiday to leave her with “happy memories” since the prognosis for her cancer, which is fourth stage, is not good – with only 2 per cent surviving five years.

The story of her plight in The Straits Times has resulted in several offers of help.

The Community Foundation of Singapore, set up in 2008 to encourage and enable philanthropy, reached out to the Emma Yong Fund – named after one of the stars of the musical cabaret group Dim Sum Dollies, who died of stomach cancer at the age of 36 – for help.

The Fund agreed to pay the $33,000 bill that was outstanding.

Fund administrator Selena Tan said though the fund was set up to help theatre practitioners, she was happy to extend the help to Ms Koh.

“Knowing Emma’s legacy and desire to help patients with cancer, it felt right to help cover 100 per cent of Ms Koh’s medical bills so that she can focus on her treatment and recovery, and not feel distressed by her bills,” she said.

Several readers also offered smaller sums to help defray the cost.

And AstraZeneca, the pharmaceutical company that produces the Enhertu drug she now needs, has offered to provide her with it. It costs about $10,000 per treatment. However, this is subject to certain compliance issues, which Dr Choo is hoping to resolve.

A grateful Ms Koh said: “Their kindness helps me feel less alone. And just when I thought I couldn’t go through anymore of it (it has been two years of chemotherapy treatment and its side effects), they help me push on in spite of weariness.”

She would like to thank all the “generous people whom I’ve never met” for their kind offers. She will not be accepting their offers, since help from the Emma Yong Fund and AstraZeneca is enough for her to continue with the treatment.

Ms Koh suffers from a rare cancer – human epidermal growth factor receptor 2 positive (HER2+) bile duct cancer – which afflicts about one in 3,500 cancer patients.

After it was diagnosed in June 2020, Dr Choo first put Ms Koh on standard chemotherapy treatment. When she stopped responding to the treatment, a second choice was used, but this too was not able to stop the spread of the cancer.

Oncologists say there are no standard treatments beyond this.

Dr Choo decided to put her on a drug that targets the HER2 protein, which causes cancers to spread much faster, to try to contain the disease. It worked.

But Great Eastern, the insurer with whom Ms Koh has a private hospital as-charged Integrated Shield Plan (IP), as well as a rider that pays the full cost of her portion of the bill, refused to pay for the new treatment.

GE said the IP contract has a clause saying it covers only drugs that have been approved for specific illnesses. The drug she was put on has only been approved by the Health Sciences Authority for HER+ breast cancer, and not for bile duct cancer.

More than a dozen oncologists The Straits Times spoke to said it is difficult to conduct large scale clinical trials for rare cancers – since patient numbers are low. And all said they do use drugs “off-label” – meaning the drug has been approved here, but not for that specific cancer, especially for the less common cancers.

Drug companies often feel the returns are not worth the cost and work required to seek approvals from regulators for such low numbers.

Dr Choo, who was chief of Gastrointestinal Oncology at National Cancer Centre Singapore before leaving for private practice in 2018, said there are some small-scale studies showing that the drug does work on the type of cancer Ms Koh has.

Insurers offering IP plans, which are integrated with MediShield Life, are divided on coverage of drugs which doctors think might help, but which are not specifically approved by the HSA.

At least three – AIA, Income and AXA – say they would cover such drugs. The Ministry of Health (MOH) said the basic MediShield Life national health insurance would also pay, subject to a monthly cap of $3,000.

This article was originally published in The Straits Times here. Source: The Straits Times © SPH Media Limited. Permission required for reproduction.

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Let us continue to sayang our community

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We have been overwhelmed by the generous show of support for our community-driven Sayang Sayang Fund; from private individual and corporate donors who donated to the fund directly or set up their own fund-raising pages, we have far surpassed our initial target.

We have given out transportation vouchers to hospitals and polyclinics and are now looking to support vulnerable communities especially impacted by COVID-19’s precautionary measures.

Like the seven thousand children from low-income families who are now at risk from losing access to meals provided in school with the implementation of home-based learning. That is our focus now.

And that is why the Sayang Sayang Fund remains open: to help make sure no one falls by the wayside during this challenging period.

We aim to achieve this by:

  • Supporting community-based emergency response funds for marginalised communities adversely affected by the COVID-19 situation.
  • Providing innovation solutions and research to better combat COVID-19.
  • Building capabilities that support charities’ operational and/or business continuity processes.

Your heart-warming outpouring of love truly brings to life the community spirit of the Sayang Sayang Fund. Thank you for your continuing support.

*The Sayang Sayang Fund is a community impact fund to care for the vulnerable in our community during times of national crises. To support the Fund, please visit giving.sg or email contactus@cf.org.sg.You can also donate via PayNow. All donations above $50 are tax deductible.

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The competition was organised by City Harvest Community Services Association and received support from FUN! Fund, a Community Impact Fund jointly established by the Community Foundation of Singapore and the Agency for Integrated Care, with the aim of addressing social isolation among the elderly.

Senior Minister of State, Ministry of Communications and Information & Ministry of National Development Mr Tan Kiat How attended the event. He encouraged the elderly to stay physically and mentally well, as well as urging them to participate in community activities and enjoy their golden years together.

Learn more about FUN! Fund at https://www.cf.org.sg/fun-fund/.

 

The programme provides the children with a non-threatening platform to connect with peers and have positive conversations. In addition, it exposes them to different people who can assist to broaden their perspectives.

L.S., a volunteer with the Reading Odyssey programme @ Spooner Road

中心“常胜将军”胡锦盛:比赛限时反应要快

现年92岁的胡锦盛是最年长的参赛者。自2017年退休后,他几乎每天都到活跃乐龄中心报到,从此爱上了玩拉密,每次可玩上三个小时,在中心是“常胜将军”。

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