Stories Of Impact
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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News

CFS Receives National Award – COVID-19 Resilience Certificate

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National Awards COVID-19 Investee: Celebrating outstanding achievements during the pandemic.

CFS has been awarded the COVID-19 Resilience Certificate, which recognises the contributions of organisations that played a vital role in addressing the challenges posed by COVID-19. Our CEO, Catherine Loh, received the award at the Ministry of Culture, Community and Youth (MCCY) Family National Day COVID-19 Investiture on October 10, 2023.

How We Pooled Resources for Singapore

As COVID-19 cases began to rise in February 2020, a member of the CFS board was deeply disturbed by reports of mistreatment towards healthcare workers. Anticipating the imminent health and economic challenges that lay ahead, CFS quickly recognised that action was needed.

“On February 11, 2020, we launched a Community Impact Fund which we named the “Sayang Sayang Fund”,” said Catherine Loh, CEO. “We felt this was the best and fastest way to respond to emerging needs as the crisis unfolded. It provided an easy way for donors to support those in need while CFS worked with sector partners to determine the type of support each community needed.”

The amount of support that poured in was heartening. We attained our initial target of $500,000 in just 10 days, and ultimately received $9.7 million from over 5,000 donors.

Thanks to our generous donors, we were able to collaborate with charities, ministries and social service agencies to deliver urgent assistance to those in need.

Making a Positive Impact on Affected Communities

In response to rapidly shifting circumstances, CFS acted through a wide array of initiatives and programmes, disbursing $9.7 million to aid 401,000 beneficiaries and 276 community organisations between 2020 to 2023. Here’s a glimpse into our efforts:

Healthcare Workers: Our initial action was to lift the spirits of nurses, doctors and ancillary healthcare workers by providing taxi vouchers and care packages sponsored by donations from the public and transport companies, ComfortDelGro, Gojek and Grab.

Elderly: When social distancing measures were mandated, the Sayang Sayang Fund (SSF) provided funds to several charity programmes to ensure the well-being of the elderly. These included educating them on infection control, reducing loneliness among elderly living alone, and ensuring low-income seniors had access to food despite disruptions in the supply chain.

Students: During school closure and home-based learning, students on financial assistance lost access to subsidised school meals. In partnership with the Ministry of Education, the SSF supplemented their allowances to ensure they continued to receive proper nutrition.

Migrant Workers: During the circuit breaker period, the SSF distributed mobile phone top-ups to migrant workers in lockdown who had insufficient balances in their accounts, so they could stay in contact with their families.

Rough Sleepers: Funds were disbursed to AMKFSC Community Services, Good News Community Services, Methodist Welfare Services, and New Hope Community Services to establish more shelters and assist in relocating rough sleepers to safe accommodations.

Learn more about the Sayang Sayang Fund.

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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

Fresh off the press

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Annual report 2018
In financial year 2018, CFS received a total of $9.7 million in donations. We disbursed $12.4 million worth of grants to 186 charitable organisations supporting various causes. This year’s annual report also showcases CFS’s latest donor advised funds, grantmaking highlights, collaborative giving initiatives and recent events.
Download your copy here.

A Call for Collaborative Giving
This first Colabs publication – a collaboration between CFS and NVPC – sheds light on the challenges disadvantaged young persons face at home, and the impact of the family environment on educational attainment and social mobility. The guide offers suggestions on collaborative action to help givers close the gap for these individuals.
Download your copy here.

Speaking after the association’s annual general meeting at Kallang Netball Centre on Friday, Liang-Lin, a fund manager for a US$7 billion (S$9.5 billion) firm focused on green real estate investments in Asia, hopes to bring her expertise to the table and increase the amount of financial support for Singapore netball during her four-year term.

The 53-year-old took over from Deputy Speaker of Parliament Jessica Tan, who has been the association’s president since 2012. Tan had reached the end of her tenure, which saw the national team make several breakthroughs, including a gold medal at the 2015 SEA Games in Singapore.

Liang-Lin holds various appointments such as being Singapore’s representative to the G20 for Women appointed by the Ministry of Finance. She is also a board member of the Community Foundation of Singapore, which promotes philanthropy through facilitating the establishment of charitable funds.

She said: “One of the things that is overlooked when we look at philanthropy and fundraising is that sport is not really part of the things that people will automatically think about.

“Less than one per cent of the funds that we raise in the Community Foundation goes to sport. The values that sport brings need to be amplified more, so that corporates… see the need to support sport. I think that link needs to be stronger so that we get not just more corporate sponsors, but also they can come in for longer periods of time.”

While national agency Sport Singapore provides funding to netball, corporates can also do their part, she added.

She said: “If we play our cards correctly, we can get corporates to come in and hopefully support them, to see the wider purpose of sport and bring the nation together.”

She also hopes the association can be proactive in looking for financial support, adding: “We must work more strategically with governing bodies on educating corporates on the importance of really supporting sport.”

The former netball player also made references to the recent Women’s World Cup for football, noting the “ability for a game that focuses on women in the sport to bring global attention”.

She said: “I want that kind of trajectory of the limelight going to women’s sport. I think that is a trend that will continue, and I hope that netball will be part of that trend.”

Meanwhile, Tan was satisfied that she has achieved the three objectives she had set out to do when she came on board – to improve quality of play, build a fan base and create an ecosystem which involves coaches and players.

The 57-year-old added: “As much as I do feel sad about having to step down, but at the same time, leadership renewal is very important.

“I think Trina will help to galvanise the team together, and bring a lot of new perspectives and quality to the association.”

Join us in making an impact on Singapore sports scene! Reach out to us for more information.

Source: The Straits Times © SPH Media 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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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

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

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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”。

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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.

Stories Of Impact

2020 Goh Soon Tioe Centenary Award winner Natalie Koh: A talented musician with a heart for children with special needs

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John Doe
A woman gracefully plays the violin, showcasing her talent, dressed in a captivating blue gown.

Natalie’s first steps towards becoming a professional musician weren’t the easiest. Although she began learning violin at the tender age of five at her mother’s behest, Natalie barely passed her ABRSM exams in the fledgling years of learning the instrument. Nevertheless, it was her love for classical music and the violin that allowed her to persevere in her music-learning journey.

It was in her secondary and junior college years that she started developing a more well-rounded education in music.

‘I was in my school’s Higher Music Programme and Concert Band, instead of the obvious choice of String Ensemble. I also decided to involve myself in playing more orchestra and chamber music. I believe these experiences ultimately contributed to my growth as an aspiring musician, and allowed me to be more creative and expressive,’ Natalie explains.

Consequently, it was to her delight that Natalie successfully auditioned into Yong Siew Toh Conservatory back in 2016, where she spent four fruitful and rewarding years.

It was through the Yong Siew Toh Conservatory that the young musician broadened her horizons interacting with children with special needs. The Conservatory was working on a joint project with Superhero Me, an inclusive arts organisation that harnesses the creativity of art to empower children with and without special needs.

‘I realised that there were so many people whom I did not know about and that I did not interact with enough,’ says Natalie.

‘I felt compelled to learn more about the special needs community and connect with them more through art. Hence, I’ve been working primarily with Superhero Me since 2017 to facilitate art workshops and conduct music workshops. This December 2020, we are looking to stage a multi- sensory theatre production for children with autism, of which I am the composer and live musician.’

Whilst pursuing her undergraduate degree, Natalie received opportunities to perform in Japan and Canada in 2019 and 2020; two of the most memorable ones being the Chofu International Music Festival and the Musical Chairs Chamber Music Festival. The Chofu International Music Festival is led by renowned conductors Masaaki Suzuki and Masato Suzuki, and comprising professional musicians from top Japanese orchestras, like the NHK Symphony Orchestra and Yomiuri Nippon Symphony Orchestra.

‘I was thoroughly inspired and motivated by the high calibre of orchestra playing, and working side-by-side with professional musicians was unforgettable. The Musical Chairs Chamber Music Festival was held earlier this year in Montreal, Canada and was also coincidentally my last ‘live’ and most memorable performance before the COVID-19 restrictions,’ says the 22 year old musician.

Winning the 2020 Goh Soon Tioe Centenary Award is a great honour for the young musician, and has definitely provided her with a boost of confidence. With the prize money, Natalie plans to fund part of her graduate studies in September 2021.

‘As a recipient of the Award, I will also have the opportunity to perform my own recital. I was supposed to have one as my graduation recital in April 2020 but alas, because of COVID-19 this was not meant to be,’ says Natalie regretfully.

‘I am glad that this opportunity to perform one last time is given to me, before I leave Singapore to pursue my further studies. After completing my Masters, I will return to Singapore and continue to teach the violin. I plan to start my own studio, and continue to perform as a freelancer in orchestras. I also hope to grow my portfolio as a community artist, to continue to share my passion for music with the special needs community and with people from all walks of life.’

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.

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