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How much does a Singapore household need for a basic standard of living?
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Opinion

How much does a Singapore household need for a basic standard of living?

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In a study of household budgets by Dr Ng Kok Hoe (Lee Kuan Yew School of Public Policy), A/P Teo Youyenn (Nanyang Technological University), Dr Neo Yu Wei (National University of Singapore), Dr Ad Maulod (Duke-NUS), Dr Stephanie Chok and Wong Yee Lok (LKYSPP), a basic standard of living means “…more than just, housing, food, and clothing. It is about having opportunities to education, employment, and work-life balance, as well as access to healthcare. It enables a sense of belonging, respect, security, and independence. It also includes choices to participate in social activities, and the freedom to engage in one’s cultural and religious practices.”

To date, a total of two household budget studies were conducted using the Minimum Income Standards (MIS) as a research method for establishing the incomes needed for a basic standard of living in Singapore. In 2019 the study[1] targeted seniors and in 2021 the study[2] extended this work to the needs of households. The results helped to establish a living wage level, a wage that allows people to afford a decent standard of living and embodies the values and principles that the public identifies with across a range of domains.

So, if I have a wish for, for next year and of course beyond…. it is to have a greater conversation around wages and people’s living standards that are based on principles like these – people’s needs, what is decent, what is basic, and what will allow people to not feel excluded from society.

Recognising the importance of research on the needs of households living in poverty, the Community Foundation of Singapore collaborated with the research team to invite 25 leaders from the social service sector to learn about the opportunities and trade-offs in applying MIS in Singapore, as well as to compare income standards in different countries. It was a process to understand about the living standards from ground up experiences which demonstrated what Singaporeans see as necessary and important to thrive while living in Singapore. Without such a process to unpack the lived experiences of individuals and communities, narratives often reinforce the worldview of the dominant and are unable to account for the real habits and practices of ordinary members of society. 

The session with the social leaders was held in August 2022 and it opened up possibilities to incorporate MIS findings to review and enhance the delivery of programmes and services for marginalised communities and families.

This is an interesting discussion – we need more of these sessions for paradigm shifts within the sector itself. Social justice is one of the core principles in social work but what is “just” and is it the same as “fair”? Just or fair to who?

Participant’s reflection

The workshop invited attending social leaders to anticipate how society is changing and ask about the relevance of MIS and how it challenges or contributes to current income policies, assistance schemes, eligibility criteria for assistance and practices to ensure a minimum socially acceptable standard of living. It is also helpful for leaders from different fields to come together and share their assumptions, priorities, and values that may impact their assessment of clients’ needs and support provided.

It inspires me to imagine that when we talk about families no longer being in poverty, it is not just about being earning above a certain income (e.g., poverty line) but being able to achieve a basic standard of living. This has tremendous implications and guidance on how we think about measuring and evaluating the outcomes and impacts of our work.

In the discussions, the participants found it crucial to include multiple stakeholders such as donors and funders who will fund these programmes and dictate expected processes and outcomes. As a follow-up, another session will be facilitated to gain their perspectives and ensure the conversation goes deeper, and generates aligned perspectives.

Through these sessions, we hope to push the boundary of thinking to inspire different stakeholders. Donors can play an important role in encouraging greater giving and I hope the next session will allow even deeper conversations

This article was written by Joyce Teo, an executive director of Centre for Applied Philanthropy. Joyce leads the CAP team and works with donors and non-profit organisations to address the critical gaps in strategic philanthropy in Singapore.

References

[1] 2019 Household Budget Study: What older people need

[2] 2021 Household Budget Study: What people need in Singapore

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Stories Of Impact

Supporting ITE Students through COVID

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As many as 80 percent of ITE students come from low-income families and are receiving bursaries from the government. Kintan Teo is one of them. Her family of four survived on just $800 a month before COVID-19 struck. Her mother, the sole breadwinner, was working as a cleaner.

When Kintan’s mother lost her job in April, the family had to use whatever meagre savings they had to get by. While Kintan’s mother sold baked and cooked food to generate some
income, her earnings were still insufficient to cover their utilities and other bills. Kintan, a Business Studies student at ITE, tried working part-time to supplement the family income but gave it up after a few months. She had to work four to five days a week for up to seven hours daily as a team leader at a chicken wing restaurant.

“The job was physically and emotionally draining. It was difficult for me to work and study at the same time. I didn’t have time to rest as I had to report for work immediately after my lessons and during weekends,” explained Kintan. Left with only five hours of sleep a day, Kintan was constantly tired and found it hard to wake up and stay focused in school. She also didn’t have enough time to do revision and her grades were affected.

Studies Come First
Like Kintan, Passenger Services student Siti Raudhah is struggling to cope with work and studies. Her mother, who works as a cleaner, is the sole breadwinner of her family of five. Since young, Siti has been aware of her family’s financial difficulties. After completing her ‘O’ Levels, she took on part-time jobs in banquet services and retail to supplement her family income.

Siti is currently working part-time at a clothing retail store but is clear that her studies always come first. “Working and studying at the same time is tough. As a slow-learner, I took a
break from my part-time job to catch up on my studies before resuming work. This is how I balance my studies and work,” explained Siti.

Help On the Way
More than 1,000 needy students are dependent on ITE for meals when they are in school. During the Circuit Breaker period, the Recess@Home scheme through the Sayang Sayang Fund made it possible for these students to continue receiving meals. More than $650,000 was contributed, enabling students across primary to tertiary levels to have at least one decent meal a day while on home-based learning.

In addition, some students like Siti receive additional aid under the Special Student Assistance Scheme (SSAS)-Covid, which provides emergency relief for students who are badly affected by the Covid-19 situation. With the help of the $100,000 donation from the Mind The Gap – Knowledge Funds, Siti and others like her have some emergency funds to fall back on to help them tide through this difficult period.

“The additional financial aid has helped my family. My mother is able to buy groceries and I am able to set aside some money for school and other necessities,” said Siti.

Photo credit: ITE

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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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Opinion

Giving mental health a boost – why it matters

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When the pandemic hit, seemingly overnight, daily routines and livelihoods were forever changed. Children could no longer play outdoors; youths saw lost time with friends, school, graduations and more; while adults straddle an ever-changing array of challenges – from coping with loss of work to additional care-giving duties. 

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Stories Of Impact

International Women’s Forum: From seeding bursaries to expanding horizons for young women

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Grit. Confidence. Passion. When it comes to long-term success, these qualities matter.

For Chen Si, an awardee of the International Women’s Forum Singapore (IWF) Education Grant, her pursuit to become a psychologist was driven by a personal conviction. “Two of my close friends almost lost their lives to depression. I’m convinced mental health is a serious issue and I hope to be there for those who struggle in the dark,” says Chen.

Started in 2014 and managed by the Community Foundation of Singapore (CFS), the IWF Education Fund has been supporting young women from financially-challenged backgrounds during their tertiary education. To date, the IWF Education Grant has disbursed over $150,000 to 60 young women from 12 local tertiary institutions.

But beyond affirming academic excellence, the grant has also aimed to nurture women of ‘steel’ – individuals with the character and commitment to achieve in their chosen field. Applicants for the education grant are personally screened by IWF, whose panel includes some of Singapore’s top women business leaders, to recognise young women with the potential to excel and give back to society.

For Chen Si, receiving the IWF Education grant has been a great encouragement. “It affirms the work I do and spurs me to achieve excellence in what I believe in”, she says.

With CFS’s facilitation, the IWF Education Grant has in recent years expanded to more tertiary institutions, including the Nanyang Academy of Fine Arts (NAFA) and LASALLE College of the Arts, thus supporting women who wish to pursue alternative career paths.

The IWF Education Grant has also grown to include a mentorship programme, in collaboration with the Young Women’s Leadership Connection (YWLC). All recipients of the IWF Education Grant are eligible to apply for the IWF-YWLC Mentorship programme, which opens doors for these young women to benefit from connections to successful women mentors, whether it’s building confidence, valuable industry contacts, or a role model they can learn from.

Celeste Marie Jacob, previously an opera student at NAFA, and who now teaches voice at a local music school, received the IWF Education Grant and took part in the IWF-YWLC Mentorship Programme. She was delighted to find that her mentor, despite coming from a business background, helped her to address her career concerns as an arts practitioner.

“It was important for me to think outside my job scope and have interactions with people from different backgrounds,” says Celeste. “As an opera student, my mentor opened my eyes to see new possibilities and opportunities to use my skills.” As a result of the mentorship, Celeste began emceeing for concerts and productions, which has benefited her through the additional income.

For Chen Si, the mentorship programme has offered support in a time of transition to work life, “My mentor reminded me to stay rooted in my values and beliefs and strive for excellence with confidence. With this confidence, I am now better able to face the uncertainties of the future and take things in my stride.”

Goh Swee Chen, President of the IWF Grant Committee Singapore said, “Over the last five years, it has been a joy to see the IWF Education Grant blossom and become a catalyst for personal and professional growth for these talented young women. Empowering women is not merely about supporting them financially, but exposing them to opportunities, networks and career options as they make this critical transition from student to working life. CFS’s facilitation has played a pivotal role, helping to establish a strong foundation that has enabled us to develop collaborations and increase our impact over time.”

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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.

Stories Of Impact

10th Anniversary Edition – S R Nathan Education Upliftment Fund: How recipients turned their lives around with the gift of education

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2021 marks a monumental turn of a chapter for the S R Nathan Education Upliftment Fund (SRNEUF). The fund that was set up by the late former president S R Nathan enters its 10th year of fruition and continues to fulfill its purpose of providing students financial ease to allow them to flourish in their studies. 

To celebrate this anniversary, students Arshad Supa’at and Danish Said shared how their lives changed for the better through the gift of education. 

Arshad, 33 years old, is currently an undergraduate at the Singapore University of Social Sciences, majoring in Social Work. He was originally studying in Millenia Institute (MI) but dropped out of school in his first year to find a job to support his family’s finances. At that time, his father, Supa’at Sarajoo, suffered from kidney failure, which resulted in him no longer being able to work. 

After completing his national service and GCE ‘O’ level examination, Arshad enrolled in the Institute of Technical Education (ITE) and started work as part-time as a food deliveryman to help with expenses. Unfortunately, he was involved in a road accident and had to quit his job. With only his mother holding a part-time job to support the family, he could not turn to his family to support his education and living expenses.

His turning point came when he received assistance from the SRNEUF. The monthly allowance it provided allowed Arshad to supplement his school and daily expenses, allowing him to continue his studies whilst he recovered from the accident. He eventually went on to graduate from ITE, receiving the Tay Eng Soon Award and the Lee Kuan Yew Scholarship for Encouraging Improvement (LKY-STEP) in 2013. The SRNEUF has changed his life, allowing him to complete his education in ITE when he most needed help.

Arshad shared, “I strongly believe and am confident that education can make us equal on a social level. Regardless of your background or your social or family background, if you do your best, education can open doors for you.”

Danish is another student who has managed to turn his life around due to the aid provided by the SRNEUF.

Danish, 25 years old, had always wanted to do something related to finance, as it is an issue close to his heart. Danish enrolled in ITE at a later age compared to most of his peers as he had previously dropped out from his studies at the Republic Polytechnic when he was younger. He recounted how he had never fully focused on his education then and felt that he had unfinished business with his educational journey. Thus, he wished to prove to himself that he could do it as long as he had the right mindset. 

As the youngest in the family, he feels lucky to have been offered the SRNEUF which provides him with a monthly allowance. This allowed him to focus more on his schoolwork instead of worrying about having his parents bearing his expenses. In fact, he has taken this chance to work part-time as a food deliveryman to cover his own expenses, as well as to help his parents in managing their finances.  Danish aspires to work on his skills needed to be a financial advisor, fund manager or financial analyst, to be able to provide quality advice to help those in difficulty to manager their financial decisions. 

“My interest in finance started when I was little because my family always had to struggle just to meet our daily needs. It made me interested because I wanted to know how I could manage my finances better,” said Danish.

Throughout the years, the SRNEUF has worked with ITE to provide assistance to underprivileged students who require financial help. Since 2012, the SRNEUF has supported needy students in ITE, with a total of 1,848 bursaries disbursed over the years with a cumulative grant total of $2.47 million.

“President Nathan’s life epitomises the spirit of generosity, caring and giving. He was a tireless giver. Known to come from humble beginnings himself, he was always known to have a heart for the less privileged in society. In 2011, Mr Nathan established the S R Nathan Education Upliftment Fund (SRNEUF) to provide financial support to students for their education,” said Mr Bobby Chin, the Chairman of the Grant Advisory Committee of the S R Nathan Education Upliftment Fund.

He firmly believed that education was an important social leveller which provides students from disadvantaged backgrounds an opportunity to seek a better life for themselves and their families,” he continued.

To transform lives with your giving, get in touch with us at contactus@cf.org.sg or read more about it here.

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