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The Tabung Project – Saving together for a better future
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Stories Of Impact

Stories Of Impact

The Tabung Project – Saving together for a better future

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Launched in 2013, the Tabung Project is a simple yet inventive micro-savings programme by the Healthy Start Child Development Centre (HSCDC), a childcare centre by Beyond Social Services serving children from disadvantaged backgrounds.

With generous support from a donor through the Community Foundation of Singapore (CFS), families who take part in the Tabung Project are encouraged to save in an innovative way. The idea is simple: every child brings home a tabung (“savings bank” in Malay) where family members and even the child are encouraged to contribute. Each month, Tabung Counting Days are conducted, and each child’s savings is then poured into a community savings pool.

Through a multiplier strategy, the collective savings are matched by the donor and government, yielding a greater savings deposit. The impact of the programme is that every dollar saved multiplies into much more as a result of this generous funding support. As an initiative which involves the whole family, the Tabung Project also inculcates an appreciation of the importance and benefits of saving together.

Today, over 84% of students at HSCDC are involved in the project. Based on review sessions, 70% of the participating parents have developed a positive mindset and culture of saving. Many of them have also expressed their gratitude for the project, which both motivates and helps them kickstart savings for their children, and enables them to tap the CDA funds for their children’s childcare and healthcare expenses.

“The Tabung Project is a small gesture toward a more inclusive society,” explains Gerard Ee, Executive Director of Beyond Social Services, “For low-income families who find it difficult to meet household expenses let alone save, their children will not have much in their Child Development Account (CDA) to meet their educational and healthcare expenses. This project is trying to help them meet practical expenses for their children’s well-being.”

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Stories Of Impact

Supporting Disadvantaged Students: Assumption Pathway Academy

Assumption Student

The Collective for a Stronger Society aims to uplift, enable and empower lower-income families, and one area of focus is education. Assumption Pathway School (APS) offers an alternative route for students who face barriers to completing mainstream secondary school education. As a specialised school, APS offers vocational programmes accredited by ITE, and foundation and character development programmes developed in collaboration with MOE.

Ms Gan Hui Xin’s life took a turn when she enrolled at Assumption Pathway School (APS) in 2016. Her earlier academic performance had been poor, which led to a waning interest in her studies. During her four-year tenure at APS, however, she discovered a new passion and attained an ITE Skills Certificate (ISC) in Hairdressing. Although unable to continue her education at ITE, she remained determined to continue her pursuit of knowledge.

Transitioning to a two-year work-study programme at Assumption Pathway Academy (APA), Hui Xin embraced the opportunity to learn while earning. At age 17, she switched gears, enrolling in a Culinary Skills course. Starting as a Kitchen Assistant at APS’s in-house restaurant, The ART, she embarked on a journey of hands-on learning, balancing three days of on-the-job training with two days of classroom theory.

Hui Xin’s cheerful demeanor and pleasant personality quickly earned her recognition. Within a year, she moved from Kitchen Assistant to Service Crew and even started coaching new students. With newfound skills and confidence, she took on training attachments at The ACT café and ST Engineering office, showcasing her aptitude for independent work and warm customer service.

After she expressed a desire to further her studies, Hui Xin’s Job Coach guided her toward the ITE Nitec traineeship programme where she was able to secure sponsorship from Holiday Inn Singapore Atrium.

Hui Xin is now an employee at the hotel and continues to excel, garnering praise from her managers.

APA is one of the programmes under The Collective for A Stronger Society. To find out how you can participate, fill in the pledge form and indicate your area of interest.

News

Business Times: Preserving a century-old legacy of giving

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A snapshot of a newspaper Business Times: Preserving a century-old legacy of giving

Following his great-grandmother’s footsteps, Keith Chua set up a charitable fund to carry on his family’s legacy of giving through the generations.

To Keith Chua, the boy, she was the stern matriarch of their large, Peranakan family, to be approached with deference. To the older and bolder teenager, she drew closer – the great-grandmother glad to chat about his day over tea or a shared meal.

But only years after, as an established entrepreneur with a family of his own, did Mr Chua truly feel the impact of her life on his own, thanks to the impact Mrs Lee Choon Guan had had on others.

“It was a rediscovery,” Mr Chua says, about encountering in the pages of a 1920s history book a side to his great-grandmother that he had not known, years after her death in 1978.

Growing up, naturally, he had heard stories from his mother. One of these, about Mrs Lee’s role in raising funds to contribute a fighter plane to the World War 1 effort, made it into a school composition of his on “A Person You Most Admire”.

But it was not till the mid-1980s, after being appointed as a co-trustee to the Mrs Lee Choon Guan Trust Fund his mother started that Mr Chua read for himself the book she had spoken so much about.

Discovering a legacy of giving

“It became quite clear that she was a pioneer in many ways,” Mr Chua, 65, says.

In One Hundred Years’ History of the Chinese in Singapore, he learnt of how, as one of the few Chinese girls to get an English education and a member of high-society, Mrs Lee sought to open doors for other women in the early 1900s.

Also known as Madam Tan Teck Neo, she was the founding president of the Chinese Ladies Association (now the Chinese Women’s Association), running classes for young women and raising funds for charities.

Women and children, healthcare and education – these were causes Mrs Lee cared deeply for. She gave out numerous scholarships to girls, donated to the building of the St Andrew’s Hospital for Women and Children, and funded the activities of the Society for the Protection of Women and Children. For her volunteer work and giving during the First World War, she was the first Chinese woman to be made a Member of the Order of the British Empire in 1918.

Moved by the glimpses of her trailblazing giving recorded in the book, Mr Chua has since acquired an autographed edition that is now a treasured possession for what it symbolises – a legacy of giving to be kept alive.

“To me, the process of discovery, rediscovery, has been a continuing one,” says Mr Chua. The family is still adding to what they know of Mrs Lee’s life and legacy, “all these little pockets of seeds that were planted”. Such as the family giving funds in 1924 to start Katong Girls’ School (today’s Kuo Chuan Presbyterian Primary School) – a fact they only recently stumbled upon.

Among other causes, the trust fund supports tertiary-level programmes on philanthropy at the NUS Business School’s Asia Centre for Social Entrepreneurship and Philanthropy (ACSEP).

Down through the generations
In 2011, he set up the Mrs Lee Choon Guan Fund with the Community Foundation of Singapore (CFS) to carry on his family’s legacy of giving through the generations. Managed as an endowment, the fund’s principal amount is invested and income earned is then given to various causes.

The aim is not merely to build historical knowledge, but to perpetuate the legacy of giving. “I have the opportunity, at this point in time, to put some thought and action into encouraging the continuation of her legacy. So that, hopefully, it will continue with some degree of active participation by future generations,” says Mr Chua.

“In continuing the legacy of my great-grandmother, I looked at how she approached philanthropy in her time and tried to include some of her practices in what I’m doing today. It has indeed come full circle.”

Some of the causes the fund supports today bear the mark of Mrs Lee’s charitable interests – education and healthcare initiatives. Others reflect evolving needs in society that Mr Chua himself is passionate about.

Indeed, Mr Chua is known as much these days for his work in philanthropic circles as he is in business ones.

The executive chairman of ABR Holdings, which owns Swensen’s and Chilli Padi among other food and beverage brands, Mr Chua is also managing director of the Alby group of companies in Singapore and Australia. He hails from a line of businessmen too – his grandfather, the late Chua Cheng Liat, is one of the Chua brothers behind car dealership Cycle & Carriage.

Today, actively involved in various community, church and missions agencies, he sits on the boards of the National Council of Social Service and CFS.

“Part of why I’m doing this today, is in the hope that the wider family, beyond just my siblings and children through to my cousins, my nephews and nieces, and their children, will come to appreciate the legacy that my great-grandmother has left for all of us.”

Apart from his great-grandmother, Mr Chua cites the influence of his parents’ generosity and his Christian faith as two other defining forces behind his philanthropy journey.

“[With my parents], it wasn’t so much them saying, ‘This is how you do it.’ It was watching them in action, responding generously to requests for help, seeing how they lived their lives,” says Mr Chua.

And that was the starting point for him and his wife too: sharing with their four children what they do and why, modelling a life of giving in the hope that their children would themselves see the value of giving.

One reason Mr Chua decided to set up the fund with CFS was to ensure that future generations would be able to continue the family’s philanthropic work. He says, “The objective of CFS flowed nicely with ours of wanting to continue the legacy of giving. It allows family members to be involved and ensure that funds for the community will carry on.”

Taking it a step further, he has been intentional about involving his children, whose ages now range between 22 and 32, in his philanthropic engagements. In recent years, this has included trips across Southeast Asia to learn from and explore partnerships with non-profits, charities and social entrepreneurs.

Having sown those seeds, he has since had the satisfaction of watching each child “doing something in their own way”, whether via professional or personal pursuits, to give to the community.

An evolving philosophy of giving
Mr Chua says his own approach to philanthropy has evolved over the years.

From viewing philanthropy primarily as responding to appeals for monetary gifts, he began getting involved with charities and volunteering his time. That involvement got him thinking about how he could make a difference with his own skills.

“Coming from a business, finance background, I felt I was able to bring that to the area of social entrepreneurship to encourage entrepreneurship, and help to share business models, my personal experiences,” says Mr Chua.

Asked what he has gained from years of intentional giving, Mr Chua is first introspective: “I would like to think that the engagement in all these years of philanthropy has gradually moved me from thinking more of myself, to thinking more of others.”

“Along with that, of course, is that it brings a wonderful feeling if you can bring joy and help someone else,” he adds.

“I believe everyone can give. Whether in terms of resources, time or talent… I would embrace all forms of participation. The most important thing for me is to encourage others to take that first step, whatever that first step is.”

Looking forward, Mr Chua says, “The seed of philanthropy was planted by the generations before me. Now, with the structure of CFS, the funds will carry on past my lifetime. Once you’ve set certain things in place, you can bring the next generation along for the ride, and trust them with the responsibility when it’s their turn.”

After all, Mrs Lee Choon Guan’s first steps into philanthropy led to her leaving a century-old legacy of giving that has spanned four generations and, if Mr Chua has his wish, countless more to come.

Source: Business Times © Singapore Press Holdings Limited. Permission required for reproduction.

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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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News

Fewer homeless people sleeping on S’pore streets last year; city area has highest number

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The number of homeless people in Singapore fell slightly last year, at a time when homelessness was on the rise in many countries amid the Covid-19 pandemic.

But the issue of homelessness also became less visible, as more people who would have slept on the streets went to stay at temporary shelters.
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.

The second nationwide street count of the homeless here found 1,036 people last year – 7 per cent less than the 1,115 people during the first such count in 2019.

That first nationwide street count has been described as a landmark study of an issue that was hidden from public discourse until recent years.

While the overall number has fallen slightly, where the homeless make their bed for the night has also changed.

The second street count found that those sleeping on the streets fell by 41 per cent from 1,050 in 2019 to 616 last year, while those staying at a temporary shelter for the homeless shot up from 65 to 420 in the same time period.

Dr Ng Kok Hoe, a senior research fellow at the Lee Kuan Yew School of Public Policy, led a team of researchers at the school’s Social Inclusion Project to do the street count. They were aided by over 200 volunteers who pounded the streets, including combing 12,000 blocks of flats, late at night between February and April last year to count the number of people sleeping in public spaces.

The data on the number staying at temporary shelters for the homeless, which was provided by the Ministry of Social and Family Development (MSF), was included for the first time in last year’s count for a fuller understanding of the state of homelessness here.

The 78-page report was released on Thursday (Aug 11). The project was not commissioned by the Government and was funded by the Community Foundation of Singapore, Dr Ng said.

He said government agencies and volunteers reached out to those sleeping rough during the circuit breaker in 2020 to refer them to shelters and many of the homeless, who were also concerned about their health and safety, decided to go into one.

Some religious and charity groups opened their premises for the homeless for the night, as demand for places in such Safe Sound Sleeping Places soared. Two new transitional shelters, which offer a longer stay, also started operation in January last year, the report said.

These factors led to more staying at shelters and fewer on the streets, Dr Ng said.

From the second street count, the homeless were found sleeping in most parts of Singapore, from Bedok to Jurong West to Yishun. But more of them were found in larger, older and poorer neighbourhoods.

Some 72 persons were found sleeping in the City area, or downtown, which has the largest number of homeless persons.

The city area, or downtown, has the largest number of homeless people, though it fell last year from the 2019 count.

Most of the homeless are elderly men and the report pointed out that few women sleep on the streets due to safety concerns.

Last year’s count found a sharp decline in those sleeping rough in commercial buildings, like shopping malls and office blocks, and more slept at places like void decks, parks and playgrounds.

The report pointed out that while the pandemic triggered their admission into a shelter, the homeless person’s housing woes started long before Covid-19 struck.

Highly subsidised public rental housing will always be the last safety net for the most vulnerable, Dr Ng said.

However, he singled out the design of the Joint Singles Scheme, which is under the public rental housing scheme, as a “significant contributing factor to homelessness”. This is because two singles, who are often strangers, share a tiny HDB rental flat which usually have no bedrooms, and the lack of privacy or personal space may lead to conflict.

And some would rather sleep on the streets instead, he said.

The HDB and the Ministry of National Development (MND) recognise the challenges some have applying for or sharing a rental flat and they have been reviewing and adjusting the Joint Singles Scheme in recent years, the MSF said in a statement in response to the street count.

For example, since December last year (2021), the HDB and MND started a pilot scheme where social service agencies match tenants with similar preferences and habits to share a flat. Under this pilot, singles can apply for a public rental flat by themselves, without having to find a flatmate first.

Flats under this pilot come with partitions installed

Applicants’ eligibility and rent are assessed individually.

The HDB and MND are assessing the effectiveness of this pilot project to see whether to scale it up over time, the statement said.

The MSF said there has been a steady and collective progress in whole-of-society efforts to reach out to and support rough sleepers, to help them off the streets and into shelters.

It cited the 57-member Partners Engaging and Empowering Rough Sleepers (Peers) Network, which comprises government agencies, religious groups and charities working together to ensure better coordination and synergy in the delivery of services to help the homeless.

The network’s partners have set up Safe Sound Sleeping Places. There are now about  20 such Places, which shelter about 100 homeless individuals. In addition, there are currently six transitional shelters serving families and about 270 individuals.

Since April 2020, over 680 homeless individuals who stayed at the various shelters have moved on to longer-term housing.

And since April this year, the MSF has been working with partners from the Peers Network and academic advisers to plan regular street counts. The first such coordinated street count will take place by the end of the year.

It said: “The street count will help us to collectively better understand the scale and geographical spread of rough sleeping in Singapore and render coordinated support to rough sleepers in need.”

Who were the homeless during the pandemic

Long-term homeless (those who were homeless before the pandemic) Newly homeless (those who had not slept rough before the pandemic) Transnational homeless (Singaporeans who live in Indonesia and Malaysia but travel to Singapore for work)
Sex  More men than women • Mix of men and women • Almost all men
Age • From 30s to 70s • From 30s to 70s • Mostly in their 50s
Family relationships • Almost all divorced, separated or never married • Having past conflict and estrangement, with many having lost contact with their family • Almost all divorced, separated or never married • Family relationships distant and strained, but connection remains • Long-term drift and overseas travel • Some had a spouse and young children in their adoptive countries whom they are still connected to
Work and finances • Low-wage and insecure jobs • Extreme poverty • Low-wage and insecure jobs, with a few having had better paying jobs in the past • Difficulty meeting basic needs • Regular border crossings for low-wage and insecure jobs in Singapore • A few did informal work outside Singapore • Low income
Housing histories • Lost matrimonial home or never purchased housing • Encountered barriers in public rental system • Episodes of low- cost market rentals • Lost matrimonial home or never purchased housing • Moved frequently to stay with family, friends • In low-cost market rental units • Lived in Malaysia or Indonesia • Encountered difficulties obtaining public housing in Singapore for non-citizen family members
Rough sleeping • From a few months to many years • No more than a few days when displaced during the pandemic • A mix of experiences, from rough sleeping to staying in homeless shelters
How they entered a shelter* • Found by volunteers or field workers while rough sleeping during pandemic • Some self-referrals • Self-referrals when pandemic disrupted housing arrangements • Most were stopped at immigration checkpoints and directed to a shelter after border closures**

*Homelessness counts usually include both rough sleepers (primary homelessness) and persons in homeless shelters (secondary homelessness).

**Those entering Singapore from Malaysia just before the borders were closed were identified as having no housing and referred for assistance so they could comply with Covid-19 rules on staying indoors

Table: STRAITS TIMES GRAPHICS  Source: LEE KUAN YEW SCHOOL OF PUBLIC POLICY

If you would like to know more about the Sayang Sayang Fund, please visit here. 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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Stories Of Impact

#MyGivingJourney x Trina Liang-Lin: Investing in a sustainable future 

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#MyGivingJourney is a series by CFS to celebrate inspiring women and their work in the philanthropy sector. We are proud to feature Trina Liang-Lin, Managing Director at Templebridge Investments and Board of Director at CFS. 

Trina had a back to nature, farm to table experience growing up. Right up to the late 80s, her father’s family-owned farms in Lim Chu Kang, raising chickens, ducks and cultivating vegetables. That gave her a front row seat to the benefits of producing our own food and using natural resources thoughtfully.  

Today, Trina is investing her time and resources to push eco-consciousness to the top of our agenda. In November 2021, she led the launch of Women in Sustainability and Environment (WISE), the first women’s society in Singapore to focus concerted gender action towards Singapore’s Green Plan 2030 and the United Nations’ Sustainable Development Goal 12. 

WISE hopes to educate and empower a community of women who, in their roles as consumers, business owners and professionals, can move the needle on creating a greener world. This will be done through lectures, mentorships and awards. “Climate change disproportionately affects women and girls around the world so it is important for women to be represented in eco leadership circles and in green economy jobs. We need greater participation, inclusiveness and visibility of key female stakeholders in sustainability and climate advocacy,” says Trina, who works for a US$5 billion global fund where she focuses on clean energy investments in Southeast Asia. 

Trina has been elbow-deep in social and community work for much of her professional life. The causes she champions are decidedly diverse: she has given her time and expertise to uplift women, the arts, education and animal welfare. She helped found the Financial Women’s Association Singapore, which offers women in finance a support network, and was a past-President of UN Women (Singapore). She is currently Singapore’s representative to the G20 for Women.  

Her giving journey has seen her serve on the boards of the National Volunteer and Philanthropy CentreSingapore Council of Women’s Organisations and Sentosa Development Corporation. In line with her passion for conserving wild species and their habitat, she currently volunteers on the boards of the World Wildlife Fund for Nature (WWF-Singapore) and the Society for the Prevention of Cruelty to Animals. That’s not all: Trina is also a board member of Victoria Junior College and the Singapore Repertory Theatre.  

For their 20th wedding anniversary in 2016, Trina and her husband Edmund Lin established a foundation to give back in a more strategic and effective way. They explored different avenues but opted to go with CFS as it works closely with over 400 charities across a wide spectrum and can establish philanthropic funds seamlessly and quickly. Their Lin Foundation has supported causes that resonate with them, such as education, where they fund scholarships at Singapore Management University.   

“We decided to start giving back relatively early as we want to start making an impact now rather than later,” says Trina. “This is a long-term commitment for us and with CFS expertly guiding us in managing a foundation and making grants, our giving is optimised and can be scaled up further.” 

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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