Opinion
Teach a man to fish — and pay for the rod too
wavy line banner

Opinion

Opinion

Teach a man to fish — and pay for the rod too

Picture of John Doe
John Doe
Black silhouette of a woman fishing

We have all heard the popular proverb, “give a man a fish and you feed him for a day; teach a man to fish and you feed him for a lifetime”. Everyone agrees, but few pay for the fishing rod.

Successful businesses invest in skills, people and infrastructure. In the same vein, donors need to fund these areas for charities to deliver social impact.

The challenge for charities
Donors often prefer funding programmes that support individual recipients directly over charitable overhead* expenses. This leads to negotiations for lower overhead costs or unwillingness to support programmes with high overhead costs. Many charities cave in to such expectations for fear of losing a potential funder.

Understandably, all donors want to achieve maximum impact for their gift, but reducing overheads is only good up to a point where the sustainability of the charity is not affected. All organisations incur manpower, training, rental and administrative costs at the very least. If charities are pressured to keep overhead costs unsustainably low, they will operate at sub-par levels and enter a vicious cycle of starvation.

At the Community Foundation of Singapore, we have learnt that when charities receive limited funding to cover overhead, service delivery is affected because charities have to divert resources to fundraise for the shortfall.

Honest conversations
There is growing recognition that efficiency is not determined by low overhead costs alone. Depending on the type of services or programmes, overhead can vary greatly across charities. For instance, a charity that distributes food rations via volunteers will have far lower overhead than a nursing home that hires skilled staff round-the-clock to provide care.

CFS works with its charity partners to present the true programme costs needed for social impact. With that in mind, we also work with donors to map out sustainable and impactful ways of giving.

We need to continue to have such conversations about true costs; the funding of overhead is just the tip of the iceberg in our search for sustainable social solutions.

Joyce Teo
Deputy CEO
Community Foundation of Singapore

*Overhead typically includes manpower, training, rental and administrative expenses.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.Lorem ipsum dolor sit amet consectetur adipiscing elit dolor

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”。

Picture of admin bluecube
admin bluecube

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Opinion

How to tackle homelessness in Singapore? Try some empathy for a start

Picture of John Doe
John Doe
A man sleeping on a bench in a subway station.

By Joyce Teo

Early last year, when a call for volunteers came for the first nationwide street count of the homeless in Singapore, I was probably one of the fastest to sign up.

As a grant-maker at the Community Foundation of Singapore, I often receive requests to fund research on social issues leading to the presentation of academic papers or journals. I find it hard to translate these into practical application towards solving critical social problems.

So I became a volunteer, partly to find out more on the state of homelessness in Singapore and partly, to figure out if philanthropy can play a role in making sense of research that enables us to do good in practice.

The study opened my eyes to a different side of Singapore. It drove home the point that the facts and statistics we read about the homeless from time to time are not mere digits but fellow persons in our shared space and humanity.

For the study, I had to cover downtown Singapore, thinking it would be an easy job as it did not seem that there would be many sleeping around buildings and shopping malls with security cameras.

But what was supposed to be a two-hour walk one night turned to five, due to the sheer number of people sleeping on the streets.

I could not keep up with having to type the individual description as required in the study and had to resort to grouping them in order to complete the area in time.

As indicated in the study, downtown Singapore is a hot zone with over 100 people found sleeping there.

Many were in work uniforms. In fact, they slept within close proximity to each other as if there’s safety in numbers.

These were the ones with the least comfort, usually with just a cap or towel covering their eyes.

Some, who are cleaners, even slept with their cleaning carts right in front of them as a guard for privacy.

The sheer number of people I found and the fact that most of them looked to be Singaporeans were a huge shock to me.

I wondered what led so many of them to sleep in the open instead of going home after work.

What is the impact of this on their health and mental well-being? Do they get to see their families and loved ones?

The results of the survey provide a clearer and better understanding of the definition of being homeless. It is more than home ownership, as some of the interviewees do own residential properties.

The results also provide some insights into the causes of homelessness here – unemployment, irregular work, low income and family relationship problems.

This is a good start. But more needs to be done.

The fact that half of those surveyed have been on the street for about five years shows that homelessness is a chronic and systemic issue that affect not only the 1,050 homeless people the study found, but also their families.

Homelessness today is no longer about begging or being a public nuisance. Many homeless people do have means of subsistence, however fragile.

Taking an enforcement approach towards homelessness will not address the deeper issues related to employment, income levels or family ties.

The homeless have a very real fear of the Destitute Persons Act and how it has been enforced.

They sleep in fear of losing their freedom. Under the Act, homeless people may be admitted into welfare homes as a last resort.

The Act defines a destitute person as one who is creating a nuisance due to begging, or who is found in a public place without means of subsistence or place of residence.

In practice, homeless people are usually persuaded to admit themselves voluntarily into the homes. But once admitted, they may not legally leave without permission.

This palpable fear can be clearly seen in one of the interviews I conducted with a homeless man.

Throughout the interview, he kept glancing around warily, as if someone would come and take him away despite my repeated assurance that I was a volunteer doing some research.

Once the interview ended, he immediately left and I felt quite regretful having robbed his sleeping place although I managed to score a data point for the research.

As part of the study questionnaire, we offered the homeless an opportunity for social workers to contact them for assistance if they are open to it. Perhaps not surprisingly, hardly anyone agreed, as they thought they would risk losing their ‘’freedom’’ if they did so.

Instead, the question most often asked when I approached them for requests to interview was – ‘Are you hock-lee-por eh lang?’ (Hokkien for social welfare department) and they would try to move away while asking.

How philanthropy can help

I hope that philanthropists can fund initiatives that help to change public perception of homelessness as well as more in-depth research that enables deeper understanding of the homeless issue.

The research could take an ethnographic approach similar to that taken by sociologist Teo You Yenn in her book “This is what inequality looks like’’.

In the book, she gave numerous case studies that demonstrated the different facets of inequality and poverty in a way that we can relate to. She also suggested that readers ask questions about poverty and how to overcome it in different ways, and to see themselves as part of the problems and potential solutions.

We need to better understand the different profiles of the homeless people, so as to appreciate their problems better and find different solutions for the different groups – those with employment, those without a home, those with broken family ties, and those who are senior and frail. We need to hear the voice of the rough sleepers themselves and co-create solutions with them. Not for them.

The homelessness issue in Singapore is complex and requires each of us to play our part if we want to resolve it.

For example, if you are a resident of a neighbourhood with a rough sleeper who is not a nuisance, you may want to think twice about calling the police. Instead, you could consider making an effort to speak to the person.

Empathy, rather than mere enforcement, is a good start to help identify root causes and solutions to the issue.

About the author

Joyce Teo is the Deputy CEO and Head of Philanthropy and Grants at the Community Foundation of Singapore, a non-profit organisation founded in 2008 to encourage and enable philanthropy in Singapore.

Source: TODAY

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.Lorem ipsum dolor sit amet consectetur adipiscing elit dolor

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”。

Picture of admin bluecube
admin bluecube

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Opinion

5 Critical gaps in caring for vulnerable seniors in Singapore

Picture of John Doe
John Doe
two young people helping an elderly

Singapore is fast reaching superaged status. Life expectancy is going up while the birth rate is heading south. By 2030 – not many years from where we are today – one in four Singaporeans will be 65 years or older. More worryingly, a fifth of that cohort will be over 80 (Population in Brief 2021). 

Ageing well and quality of life are huge concerns for our elderly. The biggest challenges centre on health: physical frailty or disability, sensory impairment such as hearing loss, or chronic conditions such as dementia or diabetes. However, ageing is not just a matter of biophysical health. It is also about bolstering psychological, emotional and community support. 

Mental wellness issues, such as depression and loneliness, are a real threat to the older demographic. On top of this, many older Singaporeans worry about financial security, due to escalating care costs, inadequate retirement income and limited earning opportunities. 

Many people prefer to age at home but that too has its challenges. In this article, we highlight the critical gaps in caring for vulnerable seniors and what can be done to support them so that ageing can be enabling, empowering and meaningful.

#1 Funding rising healthcare needs

Singapore’s healthcare expenses could jump tenfold between 2016 and 2030 to over $66 billion1. Family is typically the first line of support but families are getting smaller and relationships may be estranged. Income caps also mean not everyone qualifies for government aid. 

Even when fees are subsidized, low-income seniors may struggle with costs. Women, in particular, face more financial insecurity as they tend to have interrupted employment or be in low-wage or unpaid care work. Women also tend to outlive men and are more likely to be single, widowed or divorced in old age. 

The burden lands on welfare organisations to meet the shortfall. However, causes that help the elderly don’t attract as much funding as say, education, which in Singapore receives the lion’s share of donations: in 2019, they accounted for 52.9% of total receipts of $20.8 billion (Commissioner of Charities 2020).

#2 Access to home care and assisted living

Letting people age at home or in the community and delaying institutional care is a universal goal. But as the number of seniors with mobility issues or age-related ailments increases, demand for home nursing, home therapy, meal deliveries, assistive devices and home safety and modification services (to prevent falls) will rise. There will also be a much bigger role for centre-based eldercare, such as day care, and initiatives for assisted living.

#3 Depression and suicide

Aside from physical ill health, many seniors grapple with loneliness, loss of loved ones or dependence on others. The number of elderly living alone doubled to 63,800 in 2020 from a decade ago and is set to hit 83,000 by 2030 (Singapore Department of Statistics). 

According to the Samaritans of Singapore, the number of people aged 60 and above who took their own lives reached a high at 154 deaths in 2020. That’s a 26% increase from the year before and is the highest elderly suicide death rate since 19912. There is an urgent need to support charities that connect with seniors, organise social outings or wellness activities for them, offer intergenerational bonding or assist beneficiaries with their healthcare needs such as medical appointments and screenings. 

#4 Dementia support

Dementia is our nation’s most prevalent neurodegenerative disease today, affecting one in 10 seniors. By 2030, the number of dementia patients is set to reach 92,000 – a doubling from 2015 (Dementia in the Asia Pacific Region). Dementia additionally imposes a huge burden on caregivers, many of whom are ageing themselves. We need more funding to support early diagnosis and intervention, community dementia care services such as exercise and cognitive activities as well as training and support for caregivers.

#5 End of life care

Discussions about death or end of life remain taboo. There is insufficient advance care planning as well as a lack of healthcare workers and expertise in the palliative care system. Better awareness and improved options for inpatient, home or day care hospice services are needed.

How CFS helps you do more with your giving

If you would like to help seniors who have fallen through the cracks or would like to make ageing more empowering and inclusive, we at CFS can align your giving goals with the needs of this community. We are a cause-neutral organisation that supports grantmaking to a wide range of charitable areas in Singapore. Of the 400-plus charities we evaluate and make grants to, close to 30% work with seniors. We partner with charities that focus on clearly identified problem areas or social gaps that are under-supported. Charities must also demonstrate measurable outcomes and good stewardship of funds.

A simple and cost-effective way to contribute to a variety of causes in Singapore is by setting up a Donor-Advised Fund (DAF). A DAF can be set up by an individual, a beneficiary of a will, a trust, or a family office. CFS will handle all fund administration and leverage our unparalleled insight into Singapore’s charitable landscape to provide philanthropy advice that ensures your giving is targeted, accountable and impactful. CFS strives to ensure that every grant that goes out creates positive change.

As a donor, you will save on legal expenses and enjoy upfront tax deductions at the prevailing rate on eligible donations. Donors will also receive regular statements tracking incoming donations to the DAF and outgoing disbursements to charities. CFS has an established track record when it comes to setting up DAFs and our DAF payout rates outperformed the entire US DAF industry by 12% and their community foundations by 2 times. 

If you would like to begin your giving journey with CFS, get in touch with us.

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.

1 https://www.asiaone.com/health/elderly-health-costs-rise-tenfold-2030-report

2 https://www.sos.org.sg/pressroom/singapore-reported-452-suicide-deaths-in-2020-number-of-elderly-suicide-deaths-highest-recorded-since-1991

Picture of admin bluecube
admin bluecube

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

News

Charitable funds boost donations in a tough year for giving

Picture of John Doe
John Doe
"Explore The Straits Times charity news page, highlighting philanthropic efforts and inspiring stories."

SINGAPORE – More wealthy people are setting up charitable funds that give at least six-figure sums to their chosen causes.

There were 143 donor-advised funds set up with the Community Foundation of Singapore (CFS), disbursing $20.2 million to charitable causes in the non-profit organisation’s financial year that ended in March.

This is double the 70 funds giving out $11.7 million in the financial year that ended in March 2015.

Donors pledge at least $200,000 to set up a donor-advised fund with the CFS, which manages the money, advises donors on the various needs in the community and disburses it according to the donor’s wishes.

Its chief executive officer, Ms Catherine Loh, told The Straits Times there is a greater awareness of the CFS’ work and preference to give through donor-advised funds, which allows donors to give in a more informed, structured and sustained manner over time. And donors get to name their fund.

For example, the donated sum can be held at the foundation in perpetuity and invested, with invested returns going to the charitable causes over time.

Ms Loh said more people are also setting up legacy funds, like those in memory of a late loved one, adding to the rise in donor-advised funds. Or donors may set up a fund to be disbursed after their deaths.

So far, the largest sum donated to start a fund has been $24 million, set up by a family in their late father’s name, Ms Loh said without giving more details.

She noted that such funds have been especially needed during the current Covid-19 pandemic, where more people are in need and many charities say donations are falling.

Since February, the CFS’ donor-advised funds have given out about $1.2 million for purposes related to Covid-19, such as topping up phone cards for migrant workers and buying masks for charities caring for seniors.

Many donor-advised funds, however, are set up to give to specific causes that donors and their families care about.

Mr Lien Ber Luen gave $200,000 in 2018 to set up the Lien Shih Sheng Foundation, which gives to educational causes among others, in memory of his late grandfather, the editor-in-chief of Chinese newspaper Nanyang Siang Pau. Mr Lien Shih Sheng was a literary pioneer here, involved in many arts, education and cultural activities, his grandson said.

The Lien Shih Sheng Foundation has funded scholarships at Raffles Institution for children from low-income families and it will also support a new programme to give financial aid to children from underprivileged families to attend preschool regularly.

Mr Lien, who is in his 40s, works in a local asset management firm and is married with two children, said: “He was a doting grandfather and a role model for me. I set up this fund to remember him and to continue his legacy of contributing to the community.”

Like Mr Lien, over half of the funds at the CFS were set up by donors aged between 40 and 60, ranging from working professionals to those with inherited wealth, Ms Loh said.

While supporting education and helping the sick and the poor are evergreen favourites, causes relating to environmental and sustainability issues are also becoming more popular. Donors are also more savvy.

She said: “We have seen donors asking more questions and moving away from just chequebook philanthropy over the years.”

Instead, they are keen to understand the root causes of social problems and to find ways to tackle them, instead of simply handing over their money.

Besides the CFS, the SymAsia Foundation, which is established by private bank Credit Suisse for its clients, also offers donor-advised funds.

The SymAsia Foundation did not reveal the number of such funds, but said its clients “typically make a commitment of $1 million for donations”.

Ms Young Jin Yee, CEO of SymAsia Foundation, added: “I would say no other cause has brought our donors together like the current Covid-19 pandemic.”

She said about a third of its donors from across the Asia-Pacific region have stepped up to alleviate the difficulties brought about by the virus. This includes giving financial aid to students in Singapore whose families were affected by Covid-19, and supporting the development of a vaccine for the coronavirus being jointly developed by the Duke-NUS Medical School and an American pharmaceutical firm.

Source: The Straits Times

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.Lorem ipsum dolor sit amet consectetur adipiscing elit dolor

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”。

Picture of admin bluecube
admin bluecube

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

News

Berita Harian: Programme to prepare youths for the workplace launched

Picture of John Doe
John Doe
A group of friends making drinks

Read more.

Translation:

Two programmes to help disadvantaged youths transition from school to work were launched yesterday in conjunction with the opening of the A.P.T.I.T.U.D.E Centre at ITE College Central.

Launched by the Singapore Youth Impact Collective (the ‘Collective’), the initiative is the first of its kind in Singapore that uses the collective impact model and allows donors and non-profit organisations to solve complex social issues together.

CFS deputy CEO Joyce Teo explained further: “This approach recognises the value of collaboration in addressing complex social issues that requires the coordinated efforts of multiple entities, often from different sectors.”

The Collective wants to increase the ability of youths from underprivileged backgrounds to succeed in the workforce through training and skills development.

The Collective comprises six members, namely Changi Foundation, the Community Foundation of Singapore (CFS), Credit Suisse, Octava Foundation, SHINE Children and Youth Services (SHINE) and TOUCH Community Services (TOUCH). To date, the funders have pledged close to $1 million towards the programmes.

The programmes, A.P.T.I.T.U.D.E Centre at ITE College Central and Youth Forte, aim to encourage young people to get their education qualifications, to develop their socio-emotional skills and provide them with access to job opportunities.

For example, A.P.T.I.T.U.D.E which is run by TOUCH in collaboration with ITE will offer structured programmes.

TOUCH youth coaches will work closely with the ITE-identified classes and help students work hard towards achieving their dreams

The Youth Forte programme targets youths 17 to 21 years’ old who are not in school or not working more than six months, and are facing difficulties entering the workforce.

Conducted by SHINE, the programme guides these young people through various stages including assessment, individual guidance, socio-emotional training, job skills training, practical training and vocational training that provides WSQ certification.

Talking about leveraging on the collaboration, Anita Low-Lim, Senior Director (Children and Youth Group), TOUCH, said, “This is a great opportunity for TOUCH to work with similar-minded partners who want to improve the work of youth development work and develop better training programmes.”

Benjamin Teo, Centre Director for Yishun Centre, SHINE, agreed:“The collective impact model allows non-profits to tackle operational challenges together with the donors. I’m positive this will help us in making a greater in the lives of these youths and their families.”

The Collective’s programmes are for youths aged 17 to 25 who may need support in school or after graduation as they seek employment.

Their aim is to empower 230 youths to be work-ready over the next three years.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.Lorem ipsum dolor sit amet consectetur adipiscing elit dolor

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”。

Picture of admin bluecube
admin bluecube

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Trending Stories

Scroll to Top