“Mbisi” Project

Welcome to CENFACS’ Online Diary!

 09 October 2024

 

Post No. 373

 

 

The Week’s Contents

 

• 2024 “A la une” (Autumn Leaves of Action for the Upkeep of the Nature in Existence) Campaign and Themed Activities via “Mbisi” Project

• Autumn Matching Organisation-Investor Programme via Farming Charitable Loan – Stage 1: Loan Application Submission

• Making Donations Not Directly with Cash

… And much more!

 

 

Key Messages

 

• 2024 “A la une” (Autumn Leaves of Action for the Upkeep of the Nature in Existence) Campaign and Themed Activities via “Mbisi” Project

 

Our environmental campaign known as “A la une” has already started and is going to last for six weeks.  The main theme of this campaign is still the same, which is Upkeep of the Nature; the sub-theme for this year’s campaign being  Saving the Endangered Fish Species.  This sub-theme will be delivered or conducted via “Mbisi” Project.

As said, this year’s campaign is about the upkeep of endangered fish species.  It is an action to reduce and stop extinction risk and threat that fish species like

Bagrus meridionalis, Treur River barb, Sandfish, Estuarine Pipefish Syngnathus Watermeyeri, Haplochromis granti, Basking Shark, African Wedgefish (Rynchobatus Luebbert) and Barbel spp

are subject to.

These fish species are just a few examples of many more that are threatened and at risk of extinction.

Five of the above-mentioned examples of critically endangered fish species (that is, Bagrus meridionalis, Treur River barb enteronius treurensis, African Wedgefish Rynchobatus Luebbert, Haplochromis granti, and Estuarine Pipefish Syngnathus Watermeyeri) will make up selected composed notes or themed areas of our work; work that we will carry out together to shape the central topic or theme of “A la une” Campaign this Autumn.

We have provided, under the Main Development section of this post, the time frame and titles of these composed notes or themed areas of work.

The first themed area of work is Saving Bagrus Meridionalis; themed area which kicked off from the 7th of October 2024.

For further information about this first note, please read under the Main Development section of this post.

 

 

 

• Autumn Matching Organisation-Investor Programme via Farming Charitable Loan – Stage 1: Loan Application Submission

 

Last week, we explained what Autumn Matching Organisation-Investor Programme via Farming Charitable Loan is about.  In particular, we provided the following briefs:

Matching Project Statement, the Aim of Matching Organisation-Investor via Farming Charitable Loan, Charitable Loan to Small to Medium-sized Farming Businesses/Farmers, What Is a Not-for-profit Investor in Farming Activities/Businesses? and What Is Matching Organisation-Investor via Farming Loan?

This week, we are continuing with the presentation of 4-week Matching Activities, which starts today 09/10/2024.  We shall then deal with the note relating to Stage 1 of this matching process, which is Loan Application Submission.  But, before that let us briefly highlight the matching guidelines, the type of loan involved in this matching process, and what the loan will be used for.

 

• • Matching Guidelines

 

To carry out Autumn Matching Organisation-Investor Programme via Farming Charitable Loan, one needs to know the profile of the organisation that is looking for not-for-profit investment, the specification or description of the not-for-profit farming investor, and identification of possible ways of matching organisation’s profile and investor’s specification.

 

• • What Is the Type of Loan APRCs Will Provide?

 

It is a flexible farming finance in the form of cash injection to small and medium-sized farming activities or businesses for equipment growth and cash flow.  APRC is planning to provide flexible loans at concessional/social rates (that is, short-term loans with less interest to pay) to be used for the following:

 

σ Expansion and growth of farming activities or businesses

σ Equipment (like soil cultivation equipment, seed drills, tractor-pulled transplanter, utility vehicles, etc.) and machinery purchase

σ Farming stock

σ Coverage of one-off business cost

etc.

 

• • What the Loan Will Be Used for

 

Loans, which could be between £100 and £2,000, will help to buy agricultural equipment or investment in a new farming initiative/venture.  They can help smallholder farmers buy the following: a tractor, harrow, transplanter, trailer, rake, backhoe loader, machete, shovel, small farm truck, etc.

 

• • Plan for 4-week Matching Activities

 

As part of CENFACS‘ Matching Organisation-Investor via Farming Charitable Loanwe are running a 4-week matching activities to support both African Poverty Relief Charities (APRCs) and not-for-profit (n-f-p) farming investors.  It is a 4-week work about Impact Advice Service for APRCs and Guidance Service on Impact Investing for not-for-profit farming investors.

To deliver Matching Organisation-Investor via Farming Charitable Loan, we shall refer to the lending or loan life cycle.  By definition, a loan cycle is the period from which a borrower applies for a loan to time it is paid off with interest to the lender.  In other words, the lending life cycle consists of all activities that begin the loan application stage and culminate with the final repayment.

There could be more than four steps or stages in any lending process.  Within the lending literature and jargon, it is said that the average loan cycle consists of five stages.

Because we set up some boundaries by limiting ourselves to deliver this project in four weeks, we have chosen a four-stage model of working with both APRCs and not-for-profit farming investors (n-f-p FIs).  As a result, we have decided to follow the four key stages model of the lending process provided by ‘datagardener.com’ (1); model which includes application submission, application processing, underwriting stage and disbursement.  These stages are included in our Plan for 4-week Matching Activities.

The following is our action plan.

 

Notes to table no. 1:

(*) Match periods are portions of time intended to help discover whether or not investors’ interests match organisations’ needs

(**) Match stages are the four stages lending process at which CENFACS can provide advice to APRCs and guidance to n-f-p FIs in order to maximise their chances to reach an agreement.

 

If you want advice, help and support to find not-for-profit farming investors; CENFACS can work with you under this 4-week Matching Organisation-Investor via Farming Charitable Loan, starting from 09 October 2024.

If you need guidance to outsource charitable organisations and causes in Africa; CENFACS can work with you under the same 4-week Matching Organisation-Investor via Farming Charitable Loan, starting from 09 October 2024.

These matching activities are a great opportunity for charities to realise their Autumn dream  of getting an investment they badly need and an investor who can stand alongside their mission.  They are also a grand aspiration for not-for-profit farming investors to find Autumn fresh peace of mind through a suitable organisation in which to invest in Africa.

Need to engage with Matching Organisation-Investor via Farming Charitable Loan, please contact CENFACS.

 

 

• • 09/10/2024 to 15/10/2024: Matching Organisation-Investor via Farming Charitable Loan –

Stage 1: Matching Organisation-Investor via Loan Application Submission

 

This is the first stage of the loan processing whereby the potential borrower/debtor will fill out the application form to be furnished by APRCS.  After filling out his/her application, he/she will submit it to the lender (here APRCs).

The application will include the following details:

 

∝ Personal information (that is, proof of identity, full name, contact information, address history, etc.)

∝ Financial statements (i.e., balance sheets showing potential borrower’s assets and liabilities, income statements providing insights into revenues and expenses, cash flow statements measuring the amount of cash the borrower’s will generate and spend over a period of time like 6 months to one year)

∝ Credit history (that is, a record of a borrower’s past payment behaviour, credit utilisation and credit inquiries)

∝ and other details for the purpose of the loan application submission.

 

At this stage, which kicks off the matching talks or negotiations, both APRCs and n-f-p FIs are required to well performed in terms of their pitches and facts.

 

• • • What APRCs need to Do at this stage

 

APRC needs to demonstrate that it has in place an organised system and structure of collecting information from the borrower via an application form; whether this information will be directly collected by APRC (e.g., online software form to be furnished with aid by APRC or paper form) or a third party (an agency).  Even if the information is collected by a third party or software/paper form, APRC is required to show that it has control over the lending information collection system.  It also has to provide evidence that it has infrastructure and capacity to carefully and professionally review the information provided to assess borrower’s/debtor’s eligibility and affordability.

Although some the borrowers could be members or project beneficiaries of APRC, the latter needs to prove that it will professionally act according to international lending or credit processing standards when collecting personal information from them.  Failure to do so will provide some doubt from n-f-p FIs in terms of APRC’s competency to deal with lending application submission process.

 

• • • What N-f-p FIs want to know

 

N-f-p FI will check that the way in which APRC will collect facts from potential borrower/debtor and how APRC will assess borrower’s/debtor’s creditworthiness.  In technical parlance, n-f-p FI would like to know whether or not the information to be collected will be relevant, accurate and complete in the context of loan application processing.  N-f-p FI will want to be sure that APRC will check the information collected if they are true and accurate.  It may also anticipate the process by trying to know if APRC will conduct a proper credit analysis in terms of creditworthiness of the borrower in order to mitigate the risk of repayment default.  In this respect, n-f-p FI will want some guarantee on how APRC gather information relating to financial ratio analysis, risk assessment and creditworthiness.

N-f-p FI also would like to be sure that the way credit history information will be collected by APRC will enable a better checking of the key components of credit analysis such as financial statement analysis, credit history evaluation, farming industry and market analysis, other monetary information and records.

There is another reason why n-f-p FI will want to be sure.  This reason is that the micro-loan to be offered by APRC is for the borrower/debtor to produce or run a farming activity/project, not to consume to meet their personal needs.  The micro-loan is indeed a form of borrowing for commercial purposes.  It will be used to start up or support the farming activity or business.  Borrower/debtor will agree to pay it back including interest attached to it over the agreed period of time.

So, the contents of lending application submission form proposed by APRCs need to be approved by n-f-p FIs.  If the latter disagree on any of the information to be collected or contained in this form and the way of collecting them, there could be mismatch between the two (i.e., between application submission form contents and what investor is looking at).  If there is a mismatch, this can open more talks or negotiations or CENFACS‘ intervention.

If these talks result to nothing, then there could be a need to organise a match or fit test.  This scenario could happen if APRC decide that in certain situations borrowers/debtors may not required to go through an established credit history process because of high level of poverty where they live or where the farming charitable loan project will be implemented.  N-f-p FI may or may not agree with APRC as he/she may think that it is very risk to do so.  N-f-p FI may want to see that there is a commercial rate of return on investment in relation to the risk to be taken by APRC.  This is because APRC will be making a loan as an investment.

APRC can challenge n-f-p FI’s argument.  However, APRC will need to prove that it will take reasonable steps to limit its exposure to risk.  If n-f-p FI disagrees, then the talks/negotiations could be subject to match or fit test.

 

 

• • • The Match or Fit Test

 

As part of the match or fit test, n-f-p farming investor’s enquiries and queries must be matched with APRCs’ lending application submission form and process.  In other words, the information to be contained in APRCs’ lending application submission form must successfully respond to the enquiries and queries that n-f-p farming investor may raise about the micro-loan initiative and model of working with local poor people and communities in Africa.

The match can be perfect or close in order to reach an agreement.  If there is a huge or glaring difference between the two (i.e., between the questions from the investor/n-f-p FI and the answers from the investee/APRCs), the probability or chance of having an agreement at this first round of negotiations could be null or uncertain.

However, CENFACS can impact advise APRCs to improve the contents of its lending application submission form and process.  CENFACS can as well guide n-f-p farming investors with impact to work out their expectations (or enquiries and queries) to a format that can be acceptable by potential APRCs.  CENFACS’ impact advice for APRCs and guidance on impact investing for n-f-p farming investor, which are impartial, will help each of them (i.e., investee and investor) to make informed decisions and to reduce the likelihood of any significant losses or misunderstandings or mismatches.

The rule of the game is the more n-f-p farming investors are attracted by APRCs’ lending application submission form and process the better for APRCs.  Likewise, the more APRCs can successfully respond to n-f-p farming investors’ level of enquiries and queries the better for investors.  In this respect, the matching game needs to be a win-win one to benefit both players (i.e., organisation and investor).

The above is the first stage of the Autumn Matching Organisation-Investor via Farming Charitable Loan

Those potential organisations seeking investment to set up a farming charitable loan project to lift their members out of poverty via giving micro-loans to them and n-f-p farming investors looking for organisations that are interested in their investments, they can contact CENFACS to arrange the match or fit test for them.  They can have their fit test carried out by CENFACS’ Hub for Testing Hypotheses.

For any queries and/or enquiries about this first stage of Matching Organisation-Investor via Farming Charitable Loan and/or the programme itself, please do not hesitate to contact CENFACS.

 

 

• Making Donations Not Directly with Cash

How to support CENFACS without directly giving cash

 

Last month, we highlighted ways of supporting CENFACS and of boosting your support.  This week, we are adding ways of backing us without you having to directly give cash to CENFACS as well as to its noble and beautiful causes.  This is all part of improving the way in which you can make an impact on what CENFACS is doing to help reduce poverty and enhance sustainable development.

Indeed, there are many ways that one can use to help CENFACS without directly given cash.  One can unlock barriers to make donations not directly with cash for CENFACS and CENFACS’ noble and beautiful causes.  Those who would like to assist CENFACS by using other means than directly giving cash, they can think of the following.

 

15-themed ways of donating to consider this Autumn and in the lead up to the end of the year:

 

1) Giving unwanted goods and items to CENFACS e-charity store at http://cenfacs.org.uk/shop/

2) Sign up for a Gift Aid Declaration from which CENFACS can earn an extra 25p for every £1 you give

3) Nominate CENFACS for a donation at charity fundraising and donation events

4) Select CENFACS as your preferred charity for donation from advertising revenue

5) Raise free funds for CENFACS with your online shopping or choose CENFACS as a donation recipient of some of the profits raised from online shopping

6) Donate your unwanted and unused points and cashback to CENFACS as your chosen charity from your loyalty shopping rewards or good causes’ gift cards

7) Name CENFACS as your favourite deserving cause if it happens that you have the opportunity to click the online option “donate cashback to charities

8) Donate any unwanted excess points of your loyalty card from apps that may give support to good causes

9) Give away to CENFACS any vouchers received or earned that you do not need or want

10) Hand out to CENFACS any proceeds from unwanted or unneeded prize draw or award you prefer to get rid of

11) If you are a gaming fundraiser, help CENFACS raise money it needs through your gaming fundraising capability

12) Help in online fundraising events (e.g., online or digital tickets selling)

13) If you are gaming as a good causes and fundraising livestream donor, you can also support CENFACS

14) If you are running gaming and livestreaming campaigns, you can remember CENFACS in your campaigns

15) Give cryptocurrency donations or the proceeds of sales of non-fungibles tokens to streamline CENFACS‘ processes of reducing poverty and enhancing sustainable development.

 

The above fifteen-themed ways of not directly donating cash are just the few examples of ways of helping that one can think over or come across with to support CENFACS without having to directly give cash.  However, this does not mean one cannot donate cash.  Of course, they can and if you choose to donate cash, CENFACS will happily accept your cash donations.

To support CENFACS without directly giving cash and or by directly donating cash, just contact CENFACS.

 

 

Extra Messages

 

• Shop at CENFACS Zero-Waste e-charity Store for Your Autumn 2024 Goods Donations and Buys

• The State of Play, Run and Vote 2024

• CENFACS’ be.Africa Forum E-discusses Housing Dilemma in Africa: Housing as a Basic Need for Some versus Housing as Wealth Accumulation for Others

 

 

• Shop at CENFACS Zero-Waste e-charity Store for Your Autumn 2024 Goods Donations and Buys

 

Every season is an opportunity to do something about the environment and poverty.  This Autumn too is a great period to save the environment and relieve poverty.

You can recycle or donate your unwanted or unused goods and presents to do something about the environment and or poverty.

You can also buy goods to meet the same ends.

This Autumn you can shop at CENFACS Zero-waste e-charity store to help the environment and poverty relief.

To support the environment and the poor, you can either shop or supply us with products or goods you no longer want or use so that we can sell and raise the money for the noble and beautiful cause of poverty relief, at http://cenfacs.org.uk/shop/.

 

 

• The State of Play, Run and Vote 2024

 

• • What Is the State of Play, Run and Vote?

 

It is an annual report on the situation of CENFACS’ three All Year Round Projects or Triple Value Initiatives (that is; Play, Run and Vote Projects).  This situation is normally provided by all those who are using these projects or initiatives through the information or data they give on how their individual project is doing.  It is more than just telling us your 3 bests of the year in terms of Play, Run and Vote Projects.

 

• • How to Contribute to This Year’s State of Play, Run and Vote

 

If you are playing CENFACS’ Poverty Relief League as part of your Play project, you could let us know the teams that are in the league, the points each has scored so far, their performance, the top performer, etc.   You could as well update us about any upcoming events relating to your play or reveal any new games/tournaments  you have in mind.

 

If you are Running for Poverty Reduction, you could share with us you state of running which could contain things such as the number of race runners, the popularity of your Run project, out/indoor activities you undertook, your running statistics, the fastest runners for your Run project, etc.  You can mention the benefits of running and running participation as well.

 

If you are in the process of Voting Your International Development and Poverty Reduction Manager of 2024, you could mention the number of voting intentions, the course of actions you are taking to choose among several possible alternative options and competing candidates.  You could also inform us if your votes are rational or irrational, if you use social choice theory, your voting system, the rules of voting and how you will reach your decision on International Development and Poverty Reduction Manager of 2024.

 

If you use blue, brown, green and grey spaces as social prescribings in your Play or Run or Vote project; you could also share this information with us to make the State of Play, Run and Vote 2024.

 

The above exemplifies how one can contribute to this year’s State of Play, Run and Vote.  To share your contribution, please do not hesitate to contact CENFACS.

 

 

• CENFACS’ be.Africa Forum E-discusses Housing Dilemma in Africa: Housing as a Basic Need for Some versus Housing as Wealth Accumulation for Others

 

The perception of housing is not the same for everybody in Africa.  For those who badly need a home, they see housing as a basic need.  For others, they perceive it as a way of accumulating wealth.

 

• • Housing as a Basic Need

 

To understand housing as a basic need, one needs to know what is basic need.

There are many definitions of basic need.  One of them comes from ‘lawinsider.com’ (2), which explains that

“Basic needs means the essentials needed to run a household, including food, housing, transportation, child care, utilities, health and dental care, taxes, rental and life insurance, personal expenses, and savings.”

The ‘basic needs’ concept is also an approach to measuring absolute poverty in terms of absolute minimum resources required for long-term physical well-being through goods consumption.

So, housing or shelter is among the bare necessities of life for anyone’s survival.  The other necessities are food, water, clothing, sleep, education, etc.

 

• • Housing as Wealth Accumulation

 

What is wealth accumulation?  The website ‘smartasset.com’ (3) explains that

“It is the process of increasing your assets and investments over time, with the goal of attaining financial security”.

According to ‘fca.org.uk’ (4),

“Broadly speaking, wealth accumulation (or savings) is the sum of all the assets minus the liabilities of the individual”.

It could be about preparing for financial emergencies, ensuring better retirement, buying a dream home, leaving a legacy for your children, etc.

Examples of wealth accumulation include the contribution to retirement accounts like 401(k)s or IRAs, investing in stocks and real estate, and managing debt.

What this e-discussion is concerned about is property wealth accumulation.  It is about those who use property to accumulate wealth, that is to increase the value of their property assets and investments.  In some situations and contexts, this property wealth accumulation can conflict with the needs of others to access housing ladder to meet their basic needs, particularly if this accumulation is done at the expense of others.  It is a dilemma.  This is the case in some parts of Africa.

 

• • What Is the Housing Dilemma in Africa? 

 

Wealth accumulation can be a problem in many places in Africa where there is large scale poverty and where there is dissymmetrical distribution of the number and quality of housing or accommodation compared to the number of population.  This poses a dilemma if the large majority is poor and is looking for housing as basic need while others are accumulating property wealth.  In other words, you have the vast majority of population looking for housing/accommodation to meet their basic need of shelter while there is a minority who already got accommodation but using housing market to accumulate wealth.  This situation can pose a problem or conflict, which needs to be addressed.

The above is the argument for this week’s discussion.  There could be counterarguments.  CENFACS would like to know what you think.  If you have argument about Housing Dilemma in Africa, please do not hesitate to let CENFACS know.

Those who may be interested in this discussion can join in and or contribute by contacting CENFACS’ be.Africa, which is a forum for discussion on matters of poverty reduction and sustainable development in Africa and which acts on behalf of its members in making proposals or ideas for actions for a better Africa.

To communicate with CENFACS regarding this discussion, please use our usual contact details on this website.

 

 

Message in French (Message en français)

 

• L’État des Jeux, Courses et Votes 2024

• • Qu’est-ce-que l’État des Jeux, Courses et Votes?

Il s’agit d’un rapport annuel sur la situation des trois projets tout au long de l’année ou des initiatives à triple valeur du CENFACS.  Cette situation est normalement fournie par tous/toutes ceux/celles qui utilisent ces projets ou initiatives à travers les informations ou les données qu’ils/elles donnent sur la façon dont leur projet individuel se déroule.  Il ne s’agit pas seulement de nous dire vos 3 meilleurs vainqueurs de l’année en termes de projets Jouer, Courir and Voter.

• • Comment contribuer à l’État des Jeux, Courses et Votes de cette année

Si vous jouez à la Ligue de lutte contre la pauvreté du CENFACS dans le cadre de votre projet Jouer, vous pouvez nous faire savoir les équipes qui sont dans la ligue, les points que chacune a marqués jusqu’à présent, leurs performances, etc.   Vous pouvez également nous tenir au courant de tout événement à venir lié à votre jeu ou révéler les nouveaux jeux/tournois que vous avez en tête.

Si vous courez pour la réduction de la pauvreté, vous pouvez partager avec nous votre état de course qui pourrait contenir des éléments tels que le nombre de coureurs/ses, la popularité de votre projet de course, les activités de plein air que vous avez entreprises, vos statistiques de course, les coureurs/ses les plus rapides pour votre projet de course, etc.  Vous pouvez mentionner les avantages de la course à pied et de la participation à cette course.

Si vous êtes en train de voter pour votre directeur/rice du développement international et de la réduction de la pauvreté de 2024, vous pourriez mentionner le nombre d’intentions de vote, le plan d’action que vous prenez pour choisir parmi plusieurs options alternatives possibles et des candidat(e)s concurrent(e)s.  Vous pouvez également nous dire si vos votes sont rationnels ou irrationnels, si vous utilisez la théorie du choix social, votre système de vote, les règles de vote et comment vous parviendrez à un accord sur le directeur/la directrice du développement international et de la réduction de la pauvreté de 2024.

Si vous utilisez des espaces bleus, bruns, verts et gris comme prescriptions sociales dans votre État des Jeux, Courses et Votes; vous pouvez également partager ces informations avec nous pour faire l’État des Jeux, Courses et Votes 2024.

Ce qui précède illustre comment on peut contribuer à l’édition de l’État des Jeux, Courses et Votes de cette année.  Pour partager votre contribution, n’hésitez pas à contacter le CENFACS.

 

 

Main Development

 

2024 “A la une” (Autumn Leaves of Action for the Upkeep of the Nature in Existence) Campaign and Themed Activities via “Mbisi” Project

 

The following covers the points making this Main Development:

 

 What is “A la une” (Autumn Leaves of Action for the Upkeep of the Nature in Existence)?

∝ “A la une” Campaign Sub-themes

∝ ‘Mbisi’ (that is, Maintaining Bagrus In Situ Inhabitation) as a Focus of Our ‘A la Une’ Campaign 2024 

∝ “A la une” Campaign Calendar

∝ Executing our “A la une” Campaign from Week Beginning 07/10/2024 by Focusing on Saving Bagrus Meridionalis

∝ Add-on Activity of the Week’s Campaign: Workshop on Humans’ Material Dependency on Fishes

 

Before starting the first themed area of this year’s “A la une” Campaign, let us remind those who may not know or remember what is “A la une” Campaign.

 

• • What is “A la une” (Autumn Leaves of Action for the Upkeep of the Nature in Existence)?

 

A la une” is CENFACS‘ well-known household campaign for justice towards for nature in the autumnal season.

 

It is about working together in organised and active way toward the goal of keeping up the nature in (good) existence.

It is about telling those who are in a position to help to fix the overexploitation and end extinction of natural species.

It is about gaining support for species for the benefits and gifts they provide to the nature and in the different areas of human life.

It is CENFACS’ branding or theme that holds to account those who are destroying the nature and its resources as well as it looks forward to positively transforming our relationships with nature while changing the way our society works.

 

Briefly, A la une” Campaign, which has to be differentiated from one-time protest, has three attributes, which are:

 

a) It focuses on a concrete goal of keeping up the nature in (good) existence

b) It has specific outcomes for working with CENFACS‘ users to protect nature or the wilderness/wildlands

c) It helps to add up to similar efforts and work on protecting the nature.

 

A la une” Campaign needs sub-themes to be completed.

 

• •A la une” Campaign Sub-themes

 

Since we started this campaign, there have been many sub-themes or themed activities or projects.  We can mention the four latest ones:

 

Restoration of Ecological Infrastructures in 2020

∝ Safeguard of Crop Wild Relatives in 2021

∝ Mbulu (Mobilising for Birds’ Useful Life for Us) Project in 2022

∝ Niamankeke (Nurture Insects via Adaptive Management for Action on Nature that Keeps the Endangered as Key to our Environment) Project in 2023.

 

We are still working on these four ‘A la Une’ Campaign sub-themes or projects

For example, we are looking at the Banana plant diseases (e.g., banana bunchy top disease and Fusarium wilt Tropical Race 4) which are posing a serious threat to economic growth and sustainable development as well as poverty reduction in Africa.

Those who would like more information about ‘A la Une’ Campaign sub-themes or projects, they can contact CENFACS.

Those who would like support them (that is, these four ‘A la Une’ Campaign sub-themes or projects), they can also contact CENFACS with their support.

This year, the sub-theme we have selected to deliver A la une” Campaign is “Mbisi“.

 

• • ‘Mbisi’ (that is, Maintaining Bagrus In Situ Inhabitationas a Focus of Our ‘A la Une’ Campaign 2024 

 

‘Mbisi’ is an advocacy for the endangered fish species.  ‘Mbisi’ is a new advocacy project planned by CENFACS to help protect critically endangered fish species and keep  them up in their natural habitat in Africa.  The above-named fishes are endangered species because of environmental threats and unregulated fishing activities.  To help protect these fish species, we have drawn up a calendar of work.

 

• • “A la une” Campaign Calendar

 

• • • Six Weeks of Campaign for the Upkeep of the Nature

 

As announced earlier, we have started our 6-week campaign work for the Upkeep of the Nature.  The campaign will help in promoting healthy relationships between humans and nature by taking actions to reduce the decline and extinction threat that some types of Fish Species are facing.  It will also help in the fight against the contributing factors to this decline  or extinction threat.

As outlined earlier, the sub-theme of “A la une” for this year is Saving the Endangered Fish Species delivered via “Mbisi” Project while the “A la une” theme remains the same which is Upkeep of the Nature.

Within these theme and sub-theme, we have composed six notes including monitoring, evaluation and review of the “A la uneCampaign.  These notes are in fact actions that can be taken to Save Endangered Fish Species.

 

• • • “A la une” Campaign Composed Notes or Themed Areas for Action

 

There are five fish themed names and five activities to back this campaign.  During the following periods within this Autumn and “A la une” season, CENFACS’ advocacy on environment will focus on the following fish themed names and activities  from the beginning of every Mondays (starting from 07 October 2024 to 10 November 2024).

 

Note to “A la une” Campaign calendar: (*) WBM means Week Beginning Monday

 

In total, there are five fish themed names which make areas of work and action starting from the 07th of October 2024 and thereafter every Mondays until the 10th of November 2024.   From the 11th to the 17th of November 2024, we shall carry out Impact Monitoring, Evaluation and Review of the “A la une” Campaign and Themed Activities conducted.

The above-mentioned fish themed titles and activities will help us to re-communicate our environmental message for the upkeep of the nature in (good) existence as well as triggering better changes the way in which our community/society works.

As you can notice, besides each of these fish themed names, there are activities to be carried out.  The activities are about how fishes diversely contribute to human life and society than just food.  They are about exploring the intricate web of human-fish relationships.

There are three qualitative activities (i.e., workshop, focus group and e-discussion) and two quantitative ones (i.e., case study and survey) which will be on the gifts that fishes give to the nature and to humans.

The notes are supposed to guide our action since “A la une” Campaign is about actions, not words.  During the run and at the end of these notes and actions, we shall pull impact monitoring and evaluation reports.  We shall as well review the campaign results to see how it performed overall and if we achieved our goal, that is “Mbisi“.

To engage with “A la une” Campaign and themed areas as well as to act for a healthy and wealthy nature, please contact CENFACS.

 

 

• • Executing our “A la une” Campaign from Week Beginning 07/10/2024 by Focusing on Saving Bagrus Meridionalis

 

• • • What is Bagrus Meridionalis?

 

According to ‘speciesconservation.org’ (5),

“Bagrus Meridionali, a catfish in the family Bagridae, is one of the large fish species endemic to Lake Nyasa”.

 

• • • Is Bagrus Meridionalis Critically Endangered?

 

From the assessment made on 23 May 2018 in the International Union for Conservation of Nature’s Red List of Threatened Species (6), Bagrus Meridionalis was classified as critically endangered.  Equally, on the websites ‘rufford.org’ (7) and ”speciesconservation.org’ (op. cit.), there is the same recognition of the critically endangered status of Bagrus Meridionalis.  Recognising this fact is one thing, but doing something to change the status of Bagrus Meridionalis is another.

 

• • • What can be done to save Bagrus Meridionalis

 

There is a number of projects set up to save Bagrus Meridionalis, like those run by ‘rufford.org’ (op. cit.) and ‘speciesconservation.org’ (op. cit.).  Amongst the initiatives stemming from these projects, we can list the following:

 

Reduction of overfishing in the southern part of the lake (i.e., in Malawi and Mozambique)

Restoration of fishery sustainability

Monitoring of fishery and sustainable management of the fish species in this part of lake

Reduction or ending of unsustainable agricultural practices in the lake

Reduction of anthropogenic pollution that affects the population of Bagrus Meridionalis

Improving the quality of its ecological habitat

Promotion and prioritisation species conservation

Spread of conservation education to empower communities on Bagrus Meridionalis

Reduction and end of human activities that threaten biological integrity of the lake’s aquatic species

Removal of poison and forbidden fishing nets in the lake

Improvement of a better understanding between fishermen

End of uncontrolled and illegal fishing in the lake Nyasa in southern Tanzania that enhance the extinction risks of Bagrus Meridionalis

Conducting the inventory of the number of Bagrus Meridionalis harvested by fishermen

Assessment of ecological habitat of Bagrus Meridionalis

Setting up real conservation policies and mechanisms to check the application of these policies to reduce Bagrus Meridionalis extinction danger.

 

Besides the above-mentioned actions, there are other initiatives one can take to help save the Bagrus Meridionalis population.  One of these other actions is to support the good causes working on Bagrus Meridionalis matter.

The above actions will help to reduce extinction risks and threats to Bagrus Meridionalis, which is endangered fish species in Africa.

 

 

• • Add-on Activity of the Week’s Campaign: Workshop on Humans’ Material Dependency on Fishes

 

This workshop is about exploring the complex web of human-fish relationships.  It is a course of study or work for a group of our members on the material dependency of humans on fishes.  It is also about the contribution of fishes to the spectrum of areas of human life.

Documented studies show that fishes contribute to various areas of human life, such as manufacturing and industry sectors, healthcare, technology, musical instruments, tools, weapons, inspiration of human imagination, recreation, etc.

Although the workshop is not directly linked to Bagrus Meridionalis, it will help participants to learn the different contributions that fishes make to human life than just food.

The workshop could also help to explore the extent to which fishes can help us to reduce food poverty and other types of poverty.

Those who may be interested in taking part in this workshop, they can contact CENFACS.

Briefly speaking, the above is our first note of the “A la une” Campaign for this year.

To find out more about this first note and/or the entire “A la une” Campaign, please contact CENFACS.

_________

 

References

 

(1) https://www.datagardener.com/blog/four-stages-of-the-lending-process/# (accessed in September 2024)

(2) https://www.lawinsider.com/dictionary/basic-needs (accessed in October 2024),

(3) https://www.smartasset.com/investing/wealth-accumulation (accessed in October 2024) 

(4) https://www.fca.org.uk/publication/research/research-note-accumulation-of-wealth-in-britain.pdf (accessed in October 2024)

(5) https://www.speciesconservation.org/case-studies-projects/Kampango/33815# (accessed in October 2024),

(6) The IUCN Red List of Threatened Species: Bagrus meridionalis-published in 2019.http:dx.doi.org/10.2305/IUCN.UK.2018-2.RLTS.T60856A155041757.en (accessed in October 2024) 

(7) https://www.rufford.org/projects/farida-mayowela/conservation-initiative-protect-critically-endangered-kampango-bagrus-meridionalis-lake-nyasa-through-community-education-and-empowerment-tanzania (accessed in October 2024)

 

_________

 

 Help CENFACS Keep the Poverty Relief Work Going This Year

 

We do our work on a very small budget and on a voluntary basis.  Making a donation will show us you value our work and support CENFACS’ work, which is currently offered as a free service.

One could also consider a recurring donation to CENFACS in the future.

Additionally, we would like to inform you that planned gifting is always an option for giving at CENFACS.  Likewise, CENFACS accepts matching gifts from companies running a gift-matching programme.

Donate to support CENFACS!

FOR ONLY £1, YOU CAN SUPPORT CENFACS AND CENFACS’ NOBLE AND BEAUTIFUL CAUSES OF POVERTY REDUCTION.

JUST GO TO: Support Causes – (cenfacs.org.uk)

Thank you for visiting CENFACS website and reading this post.

Thank you as well to those who made or make comments about our weekly posts.

We look forward to receiving your regular visits and continuing support throughout 2024 and beyond.

With many thanks.

History of African Woven Loincloth

Welcome to CENFACS’ Online Diary!

 02 October 2024

 

Post No. 372

 

 

 

The Week’s Contents

 

• History Month with Making Memorable Positive Difference Project – In Focus: History of African Woven Loincloth

• Activity/Task 10 of the Transitions (‘t’) Year and Project: Share the History of Poverty Transitions

• Autumn Matching Organisation-Investor Programme via Farming Charitable Loan

 

… And much more!

 

 

Key Messages

 

• History Month with Making Memorable Positive Difference Project – In Focus: History of African Woven Loincloth

 

This year’s Making Memorable Positive Difference (MM+D), which is the 16th one, will remember Woven Loincloth made in Africa by Africans.

Indeed, the history of woven loincloth in Africa goes back very far in the history.  The website ‘britannica.com’ (1) reports that

“From about 3000 BCE Egyptians wore a loincloth (schenti) of woven material that was wrapped around the body several times and tied in front or belted”.

Additionally, ‘afrihepri.org’ (2) explains that

“The word loincloth comes from the Spanish Pãno (pagno), which means ‘piece of cloth’ or piece of fabric.  It is mainly used in Sub-Saharan Africa and among Indians who cover themselves in different ways for example from the belt to the knees or from the torso to the ankles”.

The website ‘afrhepri.org’ also notes that in Africa many kinds of loincloth coexist with materials from the forest, in beaten bark with M’buti motifs by the Pygmies of the Democratic Republic of Congo.

As part of MM+D 2024, we will remember the history of woven loincloth in Africa and the contribution made by skilful weavers in reducing clothing poverty in Africa.  We shall reminisce skilful weavers’ technique of tapa which came from the Pygmies of Central Africa.

MM+D 2024 will therefore provide opportunity to learn about Africa’s weaving techniques and those who inspired these techniques.

We shall look at the history and the technique of making woven loincloth with the view of reducing clothing poverty, although the weavers of the time may or may not have thought about weaving for clothing poverty reduction.  We shall undertake the following two tasks:

 

a) study the skills, techniques and profiles of African weavers of the loincloth history

b) assess of the historical contribution of the woven loincloth industry and weavers in reducing clothing poverty as well as in clothing and creative economy in Africa.

 

Our historical reference point or period of remembrance is from about 3000 BCE when Egyptians wore a loincloth (schenti) of woven material.

Briefly, the focus for this October History Month will be on the History of African Woven Loincloth and how woven loincloth lifted people out of clothing poverty, although at that time weavers of loincloth might not have thought about reducing clothing poverty.  Our work for this year’s MM+D will be about identifying the historical weavers of Africa, their talents, skills and techniques, as well as their contribution to the creative industry and clothing economy in Africa.

For further information on this acknowledgement about the History of African Woven Loincloth, please read under the Main Development section of this post.  

 

 

• Activity/Task 10 of the Transitions (‘t’) Year and Project: Share the History of Poverty Transitions

 

Our Transitions (‘t’) Year and Project has progressed to Activity/Task 10, which is ‘Share the History of Poverty Transitions’.  Indeed, people can transition into and/or out of poverty.  The history of transition into and out of poverty is of poverty transitions.  To share this history, one may need to understand poverty transitions.

 

• • Basic Understanding of Poverty Transitions

 

Poverty transitions can be understood in many ways.  One of its explanations comes from  An Huff Stevens (3) who argues that

“There are two key factors that drive poverty transitions: changes in household structure and changes in labour market attachment at the individual or household level”.

An H. Stevens also adds that

“The number of weeks worked annually by the household head is important determinant of poverty exit, entry, and re-entry probabilities”.

Without being an expert in poverty transitions or economic historian, it is possible for those who might be interested in the Activity/Task 10 of the Transitions (‘t’) Year/Project to work with those in need and share their own experience or what they know about poverty transitions.

 

• • Supporting This Activity/Task

 

Those who would like to proceed with this activity/task by themselves can go ahead.

Those who would to be part of a working group helping in the realisation of this activity/task can let CENFACS know.

For those who need some help themselves before embarking on this activity/task, they can speak to CENFACS.  To speak to CENFACS, they are required to plan in advance or prepare themselves regarding the issues they would like to raise.

For any other queries and enquiries about the ‘t‘ project and this year’s dedication, please contact CENFACS as well.

 

 

• Goal of the Month: Reduction and End of the Historical Causes of Poverty Induced by Higher Living Costs

 

Our work on ending higher living costs continues as we are focussing on the historical causes or root causes of poverty induced by higher living costs.

 

• • Researching on the Historical Causes of Poverty Induced by Higher Living Costs

 

The historical causes of poverty induced by higher living costs can be found in what make living costs higher.  If one focus on the relation between living costs on one hand and earnings and incomes on the other hand, one can clearly notice that when living costs are very higher to the point that some people have no choice than to live below the poverty line, we can start talking about poverty induced by higher living costs.  One can use the international poverty line or any poverty line. 

For example, the UK poverty line is, according to ‘trustforlondon.org’ (4),

“Households are considered to be below the UK poverty line if their income is below 60% of the median household equivalised income after housing costs for that year”.

If a typical household income is below the above mentioned 60% compared to living costs, then the given household could be experiencing poverty.

If higher living costs influence or cause poverty to happen or appear, then there could be a need to reduce or end what makes living costs go higher than earnings and incomes to the point that some people live below the poverty line.

The fact that living costs are higher than wages and incomes is not the problem.  It becomes an issue when these costs push people to live below the poverty line or exacerbate poverty.  In which case, the root causes or historical reasons of this type poverty need to be tackled.

 

• • What Make Living Costs Go Higher

 

What make living costs go higher than earnings and incomes, especially for ordinary households and families, is rising prices of products and services while real household disposable incomes can not keep pace or same speed with rising prices.  It is not a surprise if the Faculty of Public Health (5) in the UK argues that

“Rising prices for food, essential utilities and other consumables, compounded with sub-inflationary wage growth will substantially increase poverty and material deprivation”.

 

• • Reducing or Ending the Historical Causes of Poverty Induced by the Higher Living Costs

 

Historically speaking, there have been many initiatives to root out the historical causes of poverty.  Some of them succeeded while others failed.  In our goal of the month, we are dealing with the historical problem of why widespread price increases of goods and other services often outstrip the price of labour (i.e., wages) or inflation outstrips wage increases.  In other ways, why the price of labour (i.e., wages) cannot be higher all time than widespread price increases of goods and other services in such way of stopping poverty induced by higher living costs to happen?  Resolving this question or issue is our goal of the month.

The above is our poverty reduction goal for this month, which is part of our Autumn 2024 Starting XI Project ‘Help End Higher Living Costs’ and which we are asking to our audiences and supporters to help or promote.

 

 

Extra Messages

 

• Autumn Matching Organisation-Investor Programme via Farming Charitable Loan

• “A la une” (Autumn Leaves of Action for the Upkeep of the Nature) Campaign with Concentration on Critically Endangered Fish Species

• Triple Value Initiatives (or All-year Round Projects) as Brown/Blue/Green/Grey Prescribings

 

 

• Autumn Matching Organisation-Investor Programme via Farming Charitable Loan

 

This Autumn, we have an exciting project from our Matching Organisation-Investor Programme; programme which is part of CENFACS’ Guidance Service to not-for-profit impact investors.  The project makes up our Autumn 2024 Starting XI Campaign.  What is this exciting project about?

 

• • Matching Project Statement

 

The project is a matching opportunity between an African Poverty Relief Charity (APRC) and a prospective investor who may be interested in impact investing in APRC’s plan.  The project is the following one:

APRC is planning to make small charitable loans to small to medium-sized farming businesses/farmers in order to help reduce poverty in Africa while a potential investor is looking to invest in farming activities in Africa via APRC. 

The above project statement is also APRC’s business model.  To better understand this project, let us explain APRC’s plan (charitable loan) and not-for-profit investor’s motivations.

 

• • APRC’s Charitable Loan to Small to Medium-sized Farming Businesses/Farmers

 

It is an approved charitable loan to be made to beneficiaries of the charity, and made in the course of carrying out the purposes of the APRC.  The loan will be made with the view that there will be financial benefit and charitable benefit for APRC while charitable benefit superseding financial benefit.  In other words, the loan or investment will be made to generate a flow of income or capital appreciation to enable APRC to deliver its charitable objects.  There will be an acceptable level of benefit to the charity for the amount to be invested.

To be able to move forward its plan, APRC is looking for a not-for-profit investor to join in by investing with a capital.  APRC is particularly seeking investment from a not-for-profit investor interested in farming activities or businesses.

 

• • What Is a Not-for-profit Investor in Farming Activities/Businesses?

 

A Not-for-profit Investor in Farming Activities/Businesses is a person investing in farming activities or businesses by lifting them out poverty and hardships.  The  n-f-p investor, who is driven by selfless motivations, would invest to reduce poverty.  Although he/she is driven by selfless motivations, he/she would like to see the farming business or activity is a profitable business so that it can achieve its goal of reducing poverty by raising money for it through trading.

As part of CENFACS‘ model of Matching Organisation-Investor Programme, the n-f-p investor’s selfless motivations will be match with APRC’s plan.

 

• • What Is Matching Organisation-Investor via Farming Loan?

 

It is a set of four activities designed to arrange the match/fit test between an APRC planning to provides charitable micro-loans to farming activities or businesses in Africa and a prospective not-for-profit impact investor’s interests in farming activities in Africa.  This project of CENFACS’ Matching Programme will enable the former to find a suitable investor, and the latter to gain an investee in which they can impact invest in.

 

• • The Aim of Matching Organisation-Investor via Farming Charitable Loan

 

The main aim of this project is to reduce poverty (among local poor farmers, businesses and people) through the provision of small charitable loans to small to medium-sized farming activities or businesses in Africa.

Through this project, it is hoped that the APRC will meet its dream not-for-profit (n-f-p) impact investor.  It is as well expected that the n-f-p impact investor will find the right organisation to invest in for impact.  Where the two parties experience difficulties  in matching their project proposals or ambitions, CENFACS will organise the match test for them.  To enable the two parties to reach an agreement, there will be four weeks of talks or negotiations or matching activities.

 

• • 4-week Matching Activities Starting from 09/10/2024

 

As part of CENFACS‘ Matching Organisation-Investor via Farming Charitable Loanwe are running a 4-week matching activities to support both APRC and not-for-profit farming investors.  It is a 4-week work about Impact Advice Service for APRC and Guidance Service on Impact Investing for not-for-profit farming investors.

As already said, the matching process will be run for four weeks, starting from Monday 09 October 2024. 

 

• • • How the Matching Process Will Be Run

 

This talking process is based on loan life cycle.  There are various types of loan life cycle with their own steps or stages.  In the context of this project of our matching programme, we have limited ourselves to a four steps/stages model of loan life cycle.

One of these models is provided by ‘datagardener.com’ (6).  The model by ‘datagardener.com’ includes four key stages of the lending process, which are: application submission, application processing, underwriting stage and disbursement.

From the perspective of ‘datagardener.com’, application submission is the initial step, application processing is the attention lenders put to detail, underwriting stage is the assessment of the risk involved in giving loan, and disbursement is the finalising aspect of the loan agreement.  In other words, loan applications need to be submitted, processed, registered and issued.

To deliver Matching Organisation-Investor via Farming Loan, we shall follow the above-mentioned four steps of the lending process.

The above is the key note of the Matching Organisation-Investor via Farming Charitable Loan

Those potential organisations seeking investment to realise their farming loan project and n-f-p farming investors looking for organisations that are interested in their capital can contact CENFACS to arrange the talks and match or fit test for them.  They can have their fit test carried out by CENFACS’ Hub for Testing Hypotheses.

For any queries and/or enquiries about the Matching Organisation-Investor via Farming Charitable Loan, please do not hesitate to contact CENFACS.

 

 

• “A la une” (Autumn Leaves of Action for the Upkeep of the Nature) Campaign with Concentration on Critically Endangered Fish Species

 

“A la une” takes Save Fauna, Flora and Funga advocacy to the next level of CENFACS‘ environmental communications and awareness raising.  It will be concentrated on Critically Endangered Fish Species.  We shall focus on saving endangered fishes through our new initiative called ‘Mbisi’.  What do we mean by endangered?

 

• • Meaning of Endangered

 

Endangered can be defined from the Oxford Dictionary of Environment and Conservation written by Chris Park (7) as

“A species that is in danger of *extinction if existing pressures on it (such as over-harvesting or habitat change) continue, and which is therefore likely to disappear if it is not offered adequate protection” (p. 147)

As said above, we shall focus on saving endangered fishes through our new initiative called ‘Mbisi’. 

 

 

• • ‘Mbisi’ (that is, Maintaining Bagrus In Situ Inhabitation) as a Focus of Our ‘A la Une’ Campaign 

 

‘Mbisi’ is an advocacy for the endangered fish species.  ‘Mbisi’ is a new advocacy project planned by CENFACS to help protect critically endangered fish species and keep  them up in their natural habitat in Africa.  Fishes like Bagrus Meridionalis, Treur River barb, Sandfish, Estuarine Pipefish Syngnathus Watermeyeri, Haplochromis granti, Basking Shark, African Wedgefish (Rynchobatus Luebbert) and Barbel spp are endangered species because of environmental threats and unregulated fishing activities.

In the coming weeks, we are embarking on a campaign to help save critically threatened fishes by extinction in Africa.   It is a campaign to help save the above-mentioned fish species and similar species threated by extinction.

This Autumn campaign to help save fishes will be featured by a number of notes to be written to make up the theme of the campaign.  There will five notes which will be related to five of the above-mentioned fishes.

They are endangered species.  The ‘Mbisi’ project will help to advocate for a safe life for these fishes.

To support “A la une” campaign and “Mbisi” project, please contact CENFACS.

 

 

• Triple Value Initiatives (or All-year Round Projects) as Brown/Blue/Green/Grey Prescribings

 

Our work on brown, grey, green and blue spaces continues as we are trying to get the views of those of our members using Triple Value Initiatives as brown or blue or green or grey prescriptions.  CENFACS is looking into the possibility of how their undertakings of these initiatives can be fitted into brown, blue or green or grey prescriptions.

Social prescribing nature-based activities are known as those ones that support the health and well-being of the community.  These activities can be land-based (green prescribing), water-based (blue prescribing), grey-based (grey prescribing), and brown-redeveloped (brown prescribing).

The National Academy for Social Prescribing (8) describes social prescribing as

“Being about helping people getting more control over their healthcare to manage their needs in a way that suits them”.

For those who have been using the Triple Value Initiatives, it would be a good idea to share with us their experience in terms of health and well-being benefits so that we know how green or blue or grey or brown prescribing these initiatives can be.

The more people respond, the more we would know about the health and well-being outcomes from these initiatives, the more we could be recommending people or blue/green/grey/brown prescribing them to use these initiatives.

Their responses will as well help prepare CENFACS’ State of Play, Run and Vote.

To support CENFACS’ State of Play, Run and Vote as well as our work on blue/green/grey/brown prescribings, please let us know your personal experience on Triple Value Initiatives in terms of health and well-being results.

 

 

Message in French (Message en français)

 

• Activité/Tâche 10 de l’Année des Transitions (‘t’) et Projet: Partager l’histoire des transitions de la pauvreté

Notre année et notre projet Transitions (‘t’) sont passés à l’activité/tâche 10, qui est «Partager l’histoire des transitions de la pauvreté».  En effet, les gens peuvent basculer dans la pauvreté et/ou en sortir.  L’histoire de la transition vers et hors de la pauvreté est celle des transitions de la pauvreté.  Pour partager cette histoire, il faut comprendre les transitions de la pauvreté.

• • Compréhension de base des transitions de la pauvreté

Les transitions de la pauvreté peuvent être comprises de plusieurs façons.  L’une de ses explications vient d’An Huff Stevens (3) qui soutient que

«Deux facteurs clés sont à l’origine des transitions vers et loin de la pauvreté: les changements dans la structure des ménages et les changements dans la participation au marché du travail au niveau individuel ou du ménage».

An H. Stevens ajoute également que

«Le nombre de semaines travaillées chaque année par le chef de ménage est un déterminant important des probabilités de sortie, d’entrée et de réintégration de la pauvreté».

Sans être un expert en transitions de la pauvreté ou un historien de l’économie, il est possible pour ceux ou celles qui pourraient être intéressé(e)s par l’activité/la tâche 10 de l’année/du projet Transitions (‘t’) de travailler avec ceux ou celles qui en ont besoin et de partager leur propre expérience ou ce qu’ils/elles savent des transitions de la pauvreté.

• • Soutenir cette activité/tâche

Ceux ou celles qui souhaitent poursuivre cette activité/tâche par eux(elles)-mêmes peuvent aller de l’avant.

Ceux ou celles qui souhaiteraient faire partie d’un groupe de travail aidant à la réalisation de cette activité/tâche peuvent le faire savoir au CENFACS.

Pour ceux ou celles qui ont eux(elles)-mêmes besoin d’aide avant de se lancer dans cette activité/tâche, ils/elles peuvent s’adresser au CENFACS.  Pour s’adresser au CENFACS, ils/elles sont tenu(e)s de planifier à l’avance ou de se préparer aux questions qu’ils/elles souhaitent soulever.

Pour toute autre question ou demande de renseignements sur le projet «t» et le dévouement de cette année, veuillez également contacter le CENFACS.

 

 

Main Development

 

History Month with Making Memorable Positive Difference Project – In Focus: History of African Woven Loincloth

 

The following items make up the contents of this year’s focus of Making Memorable Positive Difference Project:

 

∝ What Is Making Memorable Difference Project (MM+D)? 

∝ What Is This Year’s MM+D? 

∝ MM+D Days 

∝ MM+D Timeline

 

Let us look at each of these contents.

 

• • What Is MM+D? 

 

MM+D is

 

 a two-day event of Awareness, Thought and Recognition set up by CENFACS in 2009 to celebrate the Black History Month in our own way and feeling while preserving the tradition linked to this remembrance and standing on the shoulders of similar celebrations

 a history project of collective memory about works carried out, heritage and legacies left by Africans

 all about collectively telling, acknowledging, studying and learning that everyday Africans wherever they are (in Africa) or elsewhere (in the UK-Croydon and the world) are striving to improve the quality of their lives and of others. Through their historically valuable works, they are making memorable positive difference and the world a better place for everybody, including the generations to come.

∝ a celebration of African Abilities, Talents, Skills, Techniques, Gifts and Legacies to Africa and the world.

 

• • What Is This Year’s MM+D? 

 

This year’s dedicated two days (27 and 28 October 2024) are days of historical study, analysis, skill recognition and celebration of the legacies left by Africans in Woven Loincloth in Africa.

Historically speaking, Woven Loincloth in Africa is the fabric of the great opportunities and grandiose ceremonies as well as being part of beauty and elegance.  Woven fabrics are cultural symbols used for traditional ceremonies and occasions such as weddings and other celebrations.  For some African customs, loincloths can be a means of payment as they represent part of dowry.

This year’s MM+D is a celebration of …

 

√ traditional skills of loincloth weaving, weaving techniques and raw materials used in the context of woven loincloth

√ teamwork between men and women (women for designing the grounds and men for beating the grounds; women weaving the unleashed cotton by hand and men decorating the fabric with wooden spatulas and natural paints like in the case of the Benufo communities in Côte d’Ivoire)

√ the specificity of ethno-linguistic groups through their weaving techniques

√ the history of fashion via woven loincloth

√ inspired work of loincloth patterns by rituals and religious ceremonies

√ the input of textile fibres like cotton, silk, raffia and wool in woven loincloth and dress making

√ the reduction of clothing poverty

√ any contribution made by woven loincloth to the clothing and creative economic development industry in Africa.

 

So, this year’s MM+D is a celebration of African Abilities, Talents, Skills, Techniques, Gifts and Legacies to Africa and the world in terms of Woven Loincloth.

 

• • MM+D Days

 

There will be Two Days of the History of African Woven Loincloth as follows:

 

∝ One day of identifying and profiling African Weavers of the History

∝ One day of assessing the historical contribution of woven loincloth in reducing clothing poverty and in creative economic development industry in Africa.

Let us summarise the contents of each day’s work.

 

 

• • • Heritage/Patrimony/Weavers’ Day (27 October 2024): History of African Weavers of the Loincloth History

 

On the first day of our MM+D, we shall remember those talented and skilful African weavers of the loincloth history for their remarkable weaving skills and techniques which were passed on to many generations of weavers.  It is the day of learning a brief outline or sketch in terms of their profiles and their historical work.

Through the study of their profiles and weaving work, it will be possible to know the kind of role they played or did not play in the weaving loincloth field.  They are part of Africa’s heritage and patrimony as they represent Africa’s historic weaving traditions and Africa’s wealth,  that transcends many eras and was passed on to other generations.  Their techniques are now inherited by contemporary and today’s weavers.

 

 

• • • Legacies and Gifts Day (28 October 2024): The Historical Contribution of Woven Loincloth in Reducing Clothing Poverty and in the Creative Economy in Africa

 

During the Legacies and Gifts Day of MM+D, we shall learn what was handed on to the current generations in terms of woven loincloth knowledge/techniques or what the weavers of the past left.  We shall as well recollect in our memory what these past weavers gave to today’s knowledge-based economic activities.  In other words, we shall study the legacies and gifts of woven loincloth industry in reducing clothing poverty and creating wealth in Africa, although the weavers of the past time might or might not have thought about reducing clothing poverty.

The day will also assist in uncovering if the weaving of loincloth was income-generating potential at that time or just a cultural activity or both.

The above is this year’s MM+D theme.  To engage with this theme and or support this project, please contact CENFACS on this site. 

Because we are talking about history, let us remember the history of CENFACS‘ MM+D through timeline.

 

• • Making Memorable Positive Difference Timeline

 

MM+D has a history and timeline.  The following is the timeline of MM+D since its inception.

 

2009CENFACS recognised environmental sustainability.

2010: We acknowledged and honoured sports contributions and history in relieving collective poverty and improving community lives beyond fitness and beyond individualistic achievements.

2011: We recollected, remembered and revered caregiving talents and legacies of young carers in enhancing human development (their own development and other people’s development) by reducing the burden of poverty.

2012: We dedicated our historical recognition to Africa’s Global Game Runners and the Science of Running.

2013: Our two days were about the Memorable Positive Difference Made and brought by Working Poor (Miners & Factory Workers) in relieving poverty. We consecrated them to the historical study of The Role of Working Poor Miners and Factory Workers of Natural Resources and Extractive Industries in the Poverty Relief in Africa since the Berlin Conference (1884-5).

2014: We celebrated the place of the African Music and Dance in the pre– and post-colonial eras, the late 1950s and the early 1960s.  This celebration focused on the African History of Singing and Dancing and their Impacts on Liberation and Freedoms.

2015: Making Memorable Positive Difference focused on African Negotiators of the History. 

2016: We remembered the Protectors and Guardians of the African History and Heritage. 

2017: We acknowledged the Communicators of the African History 

2018: We learnt about African Communications and Oral History

2019: We searched on the African Health History

2020: We celebrated African Sculpture and Representation of African Historical Figures of the Pre-independence Era (i.e. Period before the 1960s)

2021: We recognised and celebrated of the legacies left by Africans in danceparticularly the Congolese Rumba

2022: We acknowledged the gifts left by Africans in Infrastructures to Reduce Poverty, particularly the Management and Maintenance of These Infrastructures.

2023: We remembered Cottage Industries in Africa or Household-based Industries in their capacity and capability of lifting people out of poverty.

For further details about these past MM+D events, please contact CENFACS. 

_________

 

 References

 

(1) https://www.britannica.com/topic/puttee (accessed in September 2024)

(2) https://www.afrihepri.org/en/origin-and-history-of-the-loincloth/ (accessed in September 2024)

(3) Stevens, An Huff, ‘Poverty Transitions’, in Philip N. Jefferson (ed.), The Oxford Handbook of the Economics of Poverty, Oxford Handbooks (2012; online edn, Oxford Academic, 28 Dec. 20120), available at https://doi.org/10.1093/oxfordhb/9780195393781.013.0016 (accessed in September 2024)

(4) https://www.trustforlondon.org/data/poverty-thresholds/# (accessed in September 2024)

(5) https://www.fph.org.uk/media/3578 (accessed in September 2024)

(6) https://www.datagardener.com/blog/four-stages-of-the-lending-process/# (accessed in September 2024)

(7) Park, C., (2011), Oxford Dictionary of Environment and Conservation, Oxford University Press, Oxford & New York 

(8) https://socialprescribingacademy.org.uk/about-us/what-is-socialpresscribing/ (accessed in October 2023)

_________

 

 Help CENFACS Keep the Poverty Relief Work Going This Year

 

We do our work on a very small budget and on a voluntary basis.  Making a donation will show us you value our work and support CENFACS’ work, which is currently offered as a free service.

One could also consider a recurring donation to CENFACS in the future.

Additionally, we would like to inform you that planned gifting is always an option for giving at CENFACS.  Likewise, CENFACS accepts matching gifts from companies running a gift-matching programme.

Donate to support CENFACS!

FOR ONLY £1, YOU CAN SUPPORT CENFACS AND CENFACS’ NOBLE AND BEAUTIFUL CAUSES OF POVERTY REDUCTION.

JUST GO TO: Support Causes – (cenfacs.org.uk)

Thank you for visiting CENFACS website and reading this post.

Thank you as well to those who made or make comments about our weekly posts.

We look forward to receiving your regular visits and continuing support throughout 2024 and beyond.

With many thanks.

 

End Higher Living Costs

Welcome to CENFACS’ Online Diary!

 25 September 2024

 

Post No. 371

 

The Week’s Contents

 

• Autumn ‘Fresh Start’ Help and Resources, In Focus for 2024 Edition: End Higher Living Costs

• Campaign to End Poverty Induced by Rising Costs of Living

• Evaluation of 2023 Libya-Morocco Joint Influence Appeal

 

… And much more!

 

 

Key Messages

 

• Autumn ‘Fresh Start’ Help and Resources, In Focus for 2024 Edition: End Higher Living Costs

 

To facilitate the reading and understanding of 2024 Edition of Autumn ‘Fresh Start’ Help and Resources, we are going to briefly explain Help and Resources for a Fresh Start as well as the focus for this year’s Fresh Start.  Fresh Start and End Higher Living Costs are key words and contextual framework of CENFACS‘ Autumn poverty reduction work.

 

• • Autumn ‘Fresh Start’ Help and Resources

 

Autumn ‘Fresh Start’ Help and Resources strikes or kicks off our Autumn programme and Starting XI Campaign.  It is our Autumn project striker.  Autumn ‘Fresh Start’ Help and Resources are made of fresh start skills, tips, hints, tweaks, hacks, etc.; help and resources designed to overcome poverty and hardships.  They are indeed activities to turn endings of Summer to new beginnings, to manage new beginnings and plans for the future.

Our advice- and guidance-giving month of September continues as planned and will end next month.  Advice- and guidance-giving services are part of our Help and Resources for Autumn Fresh Start.  Although we put particular emphasis on advice-giving activity in our September engagement, other aspects of Autumn Fresh Start or striker are equally important and will continue beyond September.

Autumn ‘Fresh Start’ Help and Resources comes with a bundle of Fresh Autumn Start (FASResources and Setup Services.  The highlights of the 2024 Edition of FAS, which are given below, take into account and focus on Ending Higher Costs of Living.  The resources provided in FAS are non-financial help to end higher living costs and poverty.  In this respect, the focus will be on what help that is available for users and what resources they can have in order for them to end higher living costs and the effects of these costs on them.

 

• • End Higher Living Costs as a Focus for This Year’s Autumn ‘Fresh Start’ Help and Resources

 

End Higher Living Costs is basically a process of making it easier or possible – via support and setup services – for CENFACS members and project beneficiaries to stop higher living costs happening or impacting them.  To end higher living costs, one may need a plan of action to achieve the overall goal of ending higher living costs.

However, CENFACS does not have the power to stabilise prices, costs and bills for its members or members of the public.  CENFACS has rather a voice to speak and can help through its voice so that those who can influence the economic factors and indicators (like inflation, interest rate, wages, etc.) do their best to stabilise prices, improve the welfare system and raise wages to match prices.

Also, there are people who are succeeding in their fight against the adverse effects of higher living costs or the cost-of-living crisis.  There are others, who could be the majority, who are failing to win this battle.

For those who are not winning the fight against higher living costs, they may need to rethink or improve the ways they are tackling the enduring cost-of-living crisis, especially as many experts believe that the cost-of-living will last until real household disposable incomes increase and inflation drops back to meet the UK Government’s 2 per cent CPI (Consume Prices Index) inflation target.

For those failing this battle, they may need help to improve the way they are tackling the cost-of-living crisis.  In this process, those who are failing in their fight against the cost-of-living crisis are not left alone. They will receive help and support.  That is why we call it Autumn Help to End Higher Living Costs.  Autumn Help will assist them to start freshly, to reset or change the systems or ways they are trying to end higher living costs or the impacts of these costs on them.

Autumn Help to End the Higher Costs of Living is a resource containing new information, tips, tools and hints to help the community find ways of ending higher living costs or the impacts of these costs on them.

So, to end higher living costs, they need to freshly start or reset or change their settings.  There is a say that every day is a fresh start.  In this Autumn of the enduring cost-of-living crisis, fresh start is even more relevant than at any time to restore life.  They need to freshly start since they could be still dealing with the lingering socio-economic effects of the cost-of-living crisis.  They need to freshly start to end higher living costs or their effects on them.

Further details about the above key words and contextual framework are given below under the Main Development section of this post.

To ask for ‘Fresh Start’ Help and or access ‘Fresh Start’ Resources and Setup Services to End Higher Living Costs, please contact CENFACS.

 

 

• Campaign to End Poverty Induced by Rising Costs of Living

 

Campaign to End Poverty Induced by Rising Costs of Living, which started in October 2022, is one of CENFACS Starting IX Projects for this Autumn 2024.  In order to get a basic understanding of it, it is better to define it, to highlight the kind of poverty this campaign is trying to address, to spell out the types of actions making it, and to explain its phases or steps.

 

• • What This Campaign Is about

 

The Campaign to End Poverty Linked to Rising Costs of Living is an organised series of actions to gain support for the cost-of-living poor so that something can be done for them.  These actions need to result in change, particularly the reduction and end of poverty led by the cost-of-living crisis. 

The cost-of-living poverty is linked to the fall in living standards.  The campaign tries to address the root causes of the cost-of-living crisis.  Amongst the causes is the mismatch of highly rising prices and slow wage/income growth of the cost-of-living poor.

The cost-of-living crisis is now a barrier for many poor.  To tackle this barrier, one may need to understand poverty linked to the cost of living.

 

 

• • Basic Understanding of Poverty Attached to the Cost of Living

 

For anyone to understand poverty due to high costs of living, it is better to define the cost of living.  The website ‘ben.org.uk’ (1) defines the cost of living as

“The amount of money needed to cover basic expenses such as housing, food, taxes, and healthcare in a certain place and time period”.

From the above definition, it is possible to argue that those who are poor, because of rising cost of living like at the moment, are those who are failing or totally struggling to meet this rise.  The rise includes hikes in energy bills, food prices, taxes, interest rates, rent, fares, etc.  In economic parlance, it is the rise of headline inflation (that is, all the changes in the values of things).  At the moment, inflation has decreased to nearing the UK Government target of 2%,  But, prices are still slowly growing.  Wages cannot keep pace with this slow growth of prices; let alone prices which were already fast increased.

In order to deal with this rise, actions need to be taken to support or work with the cost-of-living poor so that they can reduce and eventually end poverty linked to rising costs of living.

 

• • Actions or Ways of Working with the Community to Reduce and Possibly to End Poverty Linked to Higher Costs of Living

 

There are those who believe that to end poverty linked to high costs of living, earnings and incomes or any benefits received by the poor have to be uprated to the rates of inflation.  However, CENFACS as a charity does not have the means or power to adjust its members’ incomes or earnings or benefits for inflation.  Instead, what CENFACS can do is to work with them in a series of actions or activities so that they can navigate their way out of poverty induced by the cost-of-living crisis.  What are these actions or activities?

 

• • • Actions to be taken with the community

 

It takes a long time for a crisis like the cost-of-living crisis to end.  Normally, this crisis ends when real household disposable incomes are able to match the level of headline inflation in the economy.  Because of that, it is better to have short-, medium- and long-term actions; actions that can stemmed from a strategy to end crisis.

Since it is difficult to know the duration of the cost-of-living crisis, we prefer to have an open strategy or plan which will run for the duration of the crisis.  In this open strategy or plan, we can conduct short-, medium- and long-term actions.

Since this campaign was launched in October 2022, we had short-term or immediate actions (from October 2022 to until March 2023) and medium-term actions (from October 2022 to October 2024).  At the end of October 2024, medium-term actions will be totally covered while we are still the long-term horizon or actions of this campaign. The long-term actions are explained below.

 

• • • Long-term actions

 

These actions go from 2 to 10 years.  The aim of this third level of actions is to avoid that the cost-of-living crisis leads to intergenerational poverty; that is the transmission of poverty linked to high cost of living to future generations.

At this level, the actions to be undertaken could be those listed below:

 

• Help beneficiaries improve their productivity and capacity to earn or generate income

• Support them to consume green and local so that they are less exposed to the volatility of the international prices of goods and services

• Find ways of scaling down repressive or punitive market dictatorship on them.

 

On 2 November 2022, we put in place a long-term service or a programme between 2 and 10 years to accompany our community members for the duration of the cost-of-living crisis.  The current cost-of-living crisis may not last for 10 years.  However, we organised this service because we thought that even if the cost-of-living crisis ends, its effects will be still around for a while.  Depending on service beneficiaries’ experience, some of them may need the service, others may not.  There is at least a provision or service for the community should anyone needs it.

Furthermore, the above-mentioned actions are just a selection amongst the ones we hope to take with the community.  They will be taking them via what we called ‘GARSIA‘ (that is Guidance, Advice, Referrals, Signposting, Information and Advocacy) services.

Because there are phases or steps in any campaign, these actions will be taken according to the phases of our campaign.

 

 

• • Phases/Steps in the Campaign to End Poverty Induced by High Costs of Living

 

Any crisis has some phases or cycle to take or follow.  Because of that, our campaign will follow the cycle of a typical crisis.  We use the adjective typical because we do not exactly how the cost-of-living crisis will evolve.  What we know so far, there has been a crisis (the cost-of-living crisis).  And if we use the generic model of this typical crisis, we can guestimate that there will be de-escalation, stabilisation and resolve phases of the current crisis.

In each phase of our model of crisis curve, there will be actions to be taken.  However, actions from each phase should not be treated separately without considering actions before and after each phase.  This is because there could be communicating vessels between the two phases.

So, the phases or steps of our Campaign to End Poverty Induced by High Costs of Living will be aligned with the above-named phases (i.e., de-escalation, stabilisation and resolve).  At the moment, our Campaign is between the crisis phase and the de-escalation phase.

The above is the summary of our Campaign to End Poverty Induced by High Costs of Living.  To enquire and or support our campaign, please contact CENFACS.

 

 

• Evaluation of 2023 Libya-Morocco Joint Influence Appeal

 

• • What This Evaluation Is about

 

This evaluation is on the influencing appeal that CENFACS made in September 2023 for the Earthquake-stricken Peoples of Morocco and Floods-affected Populations of Libya.

The appeal was about asking to those who were in the position of power to put their influence on those who had the keys in the humanitarian operations and life-saving mission so that every victim of these two crises could get help and support they needed in the short, medium and long term (including the reconstruction and restoration efforts or phases of these crises).

One year on, one could ask if the victims of these two crises had the support they needed or need.  These actions to be taken were those to save lives, alleviate suffering and maintaining human dignity during and after these two crises.

 

• • What We Are Looking at through This Evaluation

 

We are looking at if the Positive Influence donated contributed to the provision of assistance (such as food, healthcare and shelter) and the protection of the victims from earthquake-induced poverty in Morocco and poverty caused by floods in Libya.

Besides that we are evaluating some of the humanitarian projects or actions or programmes supported or conducted by CENFACS‘ Africa-based Sister Organisations during these crises and their outcomes so far.

 

• • What the Evaluation Will Help to Achieve

 

The evaluation will help to know if the victims had the support they needed/need.  The evaluation will also assist in drawing out lessons with the broader view of improving policy, practice and responses/appeals for future crises.  It will briefly contribute to the prevention and preparation of any future humanitarian action and response by influential donors or persons while enhancing our donor development and stewardship programme.

For those influential donors or persons who have not yet shared with us their influencing work or contribution  they made or are making and their outcomes on behalf of the peoples of Libya and Morocco, this is the time to share.

To share the story of your influencing work or contribution to the peoples of Libya and Morocco, please contact CENFACS.

To engage with this evaluation, please also communicate with CENFACS.

Thank you in anticipation for your willingness to participate in this evaluation.

 

Extra Messages

 

• Financial Plan Updates for Households – In Focus from Wednesday 25/09/2024: Retirement Planning

Brown Spaces-focused Note for Week Beginning 25/09/2024: Integration between the Redevelopment of Brown Spaces and Other Spaces in the Process of Poverty Reduction

•  Save Flora, Fauna and Funga 

 

 

• Financial Plan Updates for Households – In Focus from Wednesday 25/09/2024: Retirement Planning

 

Our 4-series of Financial Plan Updates for Households reaches its last serial of these updates.  This last or fourth serial is planning for retirement or Retirement Planning.  To start this last serial, let us explain the meaning of retirement planning.

 

• • What Is Retirement Planning?

 

A retirement planning can be defined in many ways.  According to ‘financestrategists.com’ (2),

“A retirement planning is the process of learning about, selecting, and executing financial solutions that will allow you to prepare sufficient funds for a comfortable and secure retirement”.

Another definition comes from ‘smartasset.com’ (3) which argues that

“A retirement plan is a financial strategy that combines both savings and investments and plans for distributions to pay for retirement”.

In both definitions, there is need for those planning to retire to save and invest in their retirement plans or projects.  To do that, they need to identify the retirement plans that are suitable for them.

 

• • Retirement Plans

 

Within the literature and practice about retirement planning, there are many options.  In the context of the brief notes, we would like to limit ourselves to two commonly known pension plans: defined contribution plan (or employer-sponsored retirement plan) and defined benefit plan.

Whatever the retirement plan chosen, it is better for households to bear in mind the retirement factors and steps.

 

• • • Retirement planning factors

 

Factors to include in planning your retirement include retirement spending needs, time horizon, risk tolerance, investment goals, after-tax rate of investment returns, estate planning, etc.  With the knowledge of these factors, one can use their retirement plan to assess the income they will need during retirement and properly invest their retirement funds.

 

• • • Retirement planning steps

 

There are many steps one can take to plan their retirement.  Briefly, one can limit themselves by following these four steps: determination of your retirement goals, calculation of how much you need to save, setting up a retirement savings plan and investing your money in your retirement plan.

There are households capable of doing this planning.  There are other ones needing help of a retirement specialist or financial advisor.  Although CENFACS is not a charity specialised in retirement matter, we can however work with households in the context of these Financial Plan Updates to guide them.

 

• • Working with Households on Retirement Planning

 

CENFACS can work with those households interested in the following:

 

how they can save and invest a portion of their salary for retirement purposes

estimating and checking together if households are on track to meet their retirement goals

identifying their sources of their retirement incomes

determination of their retirement number (e.g., 80% of their current income)

checking with them which retirement programmes or pension schemes (e.g., defined benefit, defined contribution) suit them

development of savings programme

set up a policy to manage their assets and risks (e.g., inflation, market volatility)

how to build their own retirement portfolio and how much portfolio to draw their money

briefly how they can support their post-retirement needs.

 

Those who may be interested in updating their Retirement Plan can contact CENFACS for further details.

If you do not have a financial advisor but need support with your Retirement Plan Updates, please do not hesitate to communicate with CENFACS.

 

• • Last Word on 4-series of Financial Plan Updates for Households

 

Financial Plan for Households covers many aspects, although we limit our to four updates (of household financial action plan, investment planning, estate planning, and retirement planning).

The other aspects of these updates could include financial goals; net worth statement; cash flow projections; short-, medium- and long-term budgets; debt management plan; insurance plan; children’s future planning; education planning; tax planning; etc.

To be consistent with themselves, households need to monitor, review and update their financial plan.  They can do it every six months or on a yearly basis.  Alternatively, they can choose a particular time or event to do it (for instance, change of season, beginning of a new year, life event like moving into a new home or having a new baby or a new job, etc.).

For those households needing to dive deep into any of the above-mentioned aspects of Financial Plan Updates, they should not hesitate to contact CENFACS.

For any other queries and/or enquiries about any of the aspects of the Financial Plan Updates presented this September 2024, please let CENFACS know.

 

 

Brown Spaces-focused Note for Week Beginning 25/09/2024: Integration between the Redevelopment of Brown Spaces and Other Spaces in the Process of Poverty Reduction

 

The Redevelopment of Brown Spaces can be integrated with other spaces (Grey, Green and Blue Spaces) in the process of reducing poverty and enhancing sustainable development.  Before looking at how this integration can help in poverty reduction, let us briefly explain these spaces.

 

• • Understanding Brown, Grey, Green and Blue Spaces

 

Let us start with brown space, also known as brownfield.  According to ‘gosolve.co.uk’ (4),

“Brownfield land refers to previously developed sites that have become underutilised or abandoned, often due to changing industrial practice or contamination from former use”.

Adversely, the website ‘eli.org’ (5) argues that there could be benefits deriving from the redevelopment of brown spaces.

Our understanding of grey space comes from Oren Yiftachel (6) who argues that

“The concept of ‘gray space’ refers to developments, enclaves, populations and transactions positioned between the ‘lightness’ of legality/approval/safety and the ‘darkness’ of eviction/destruction/death.  Gray spaces are neither integrated nor eliminated, forming pseudo-permanent margins of today’s urban regions, which exist partially outside the gaze of state authorities and city plans” (p. 243)

Our notion of green space is given by what Abigail Isabella McLean (7) argues about it, which is

Green space refers to the many types of green land, ranging from parks to natural areas.  Hence, the green spaces … will encompass naturally occurring green spaces, such as forests, but also space created within human-made means such as green roofs and tree-lined streets”.

As to blue space, its definition comes from what the ‘environmentagency.blog.go.uk’ (8) states about it, which is

Blue spaces are outdoor environments – either natural or manmade – that permanently feature water and are accessible to people.  In short – the collective term of rivers, lakes or the sea”.

The above-mentioned definitions can be served as basis for exploring integration between the four spaces in the process of poverty reduction.

 

 

• • Spaces Integration and Poverty Reduction

 

When looking for ways of reducing poverty, it could be useful to work out how each space (brown, grey, green and blue) can be a more or less contributing factor to poverty reduction.  Taking this integrative approach can be worthwhile in judging each of spaces on their own merit.

The merits of green and blue spaces in enhancing health and wellbeing are already known and even undisputable.  Those who are suffering from poor health can use the opportunities of green and blue spaces to improve their health.

As grey space provides the bases for self-organisation, negotiation and empowerment; its merit for poverty reduction can depend on its capacity to help people to move from darkness to lightness.  This is despite many studies recognise that the development of grey space could result in harmful impact on health and the wellbeing of those living in and around this space.

Concerning brown spaces, Joseph W. Dorsey (9) explains that

“Brownfield initiatives are deeply intertwined with community economic development and job creation, and they are also important aids in health and safety issues, neighbourhood restoration, and the reuse of urban space to counter suburban sprawl into green, open spaces”.

It would be useful in search for solutions to poverty to consider the four spaces.  For example, Yaella Depietri and Timon McPhearson (10) suggest a hybrid approach which combines both blue, green and grey approaches for reducing hazards in the urban context.  They argue that

“Cities should rely on a mix of grey, green and blue infrastructure solutions, which balance traditional built infrastructures with more nature-based solutions” (p. 106)

However, they warn against turning easily to grey  infrastructures as the default solution.

Writing a note about the above-mentioned integration is not the end of the theme of the redevelopment of brown spaces.  The real aim here is how CENFACS can work with the communities in the UK and in Africa to empower these communities to use the merits of each space to escape from poverty.

 

• • Working with Communities to Access the Benefits Provided by Brown, Grey, Green and Blue Spaces through Their Integration

 

There are ways of working with communities to make the integration between the redevelopment of brown, greygreen and blue spaces work for them.

For example, if green and blue spaces can help reduce loneliness and stress, and loneliness and stress are seen as forms of poverty; then CENFACS can work with those members of its community who feel poor because of loneliness in order to alleviate this type of poverty.

Likewise, if the blue space can assist in reducing inequality, then CENFACS can work with those of its members who suffer from inequality, to tackle the matter via for example access to a river, lake, stream, etc.

Additionally, if grey space can be a principle  on which an agreement can be based or made, we can work with those members of our community who are suffering from the effects of grey space to engage grey space to negotiate while empowering them.

As to brown space, after the clean-up process, there is a need to ensure that the Redevelopment of Brown Spaces does not bring injuries, liabilities or additional hazards.  It does not pose any health and safety risks to the community.

In short, if one of our members needs brown, greyblue or green prescription, we can work with them on this matter through advice, information, guidance, signposting and social prescribing.

The above is our last note about the theme of brown space which we hope you have enjoyed.  We also expect that through this theme, one will be able tackle brown spaces-induced poverty and -threats to sustainable development. 

Saying that the above is our last note does not mean that we stopped working on brown spaces or space framework.  We are still working on it even though we will not produce any further note for the rest of the days of September 2024.  We are continuing with the brown, greygreen and blue frameworks to analyse poverty reduction and sustainable development.

For those who would like more information about any of the notes developed throughout this month about brown spaces as well as those who need a brown, greyblue or green prescription; they are free to contact CENFACS.

For those who would like to support the theme of brown spaces and our work on poverty reduction using space analysis, they should not hesitate to contact CENFACS with their support.

 

 

•  Save Flora, Fauna and Funga 

 

Save Flora, Fauna and Funga projects will continue our advocacy work on the protection of plants, animals and fungi while we are carrying on to implementing new ways of working with local people and organisations in Africa to help save flora, fauna and fungi.

 

• • What is Save Flora, Fauna and Funga? 

 

Save Flora, Fauna and Funga as an initiative is one of our Starting XI Projects.  Through this Starting XI Project, we are continuing to advocate for the protection of animal, plant and fungi species in Africa and elsewhere in developing world.  Animals get killed, traded and extinct to such extent that some animal species are at the brink of disappearing.  Some plants are also threatened and disappearing.

 

• • Save Fauna

 

We continue to advocate for the protection of animals in Africa and elsewhere in developing world whereby animals get killed, traded and extinct to such extent that some species are at the brink of disappearing.

Our fauna advocacy aims at dealing with ways of tackling the threats to survival in the wild facing by the world’s big cats (such as monkey, lion, tiger, leopard, jaguar, cheetah, snow leopard, puma, clouded leopard, etc.), the world’s majestic animals and symbols of power and courage.

Animals such as jaguars, tigers, elephants, snakes, alligators, rhinoceroses, etc. are under threat.  There are several reasons about it which include: hunting, illicit and illegal trade, over-harvesting, habitat loss, climate change, poaching, etc.  Birds like African Grey Parrots, Congo Peafowl, African Green Broadhill, etc. are endangered species as well.  Insects like Brenton Blue Butterfly, Chlorocypha spp, Eriksson’s Copper, Pheidole spp, African Dung Beetle, etc. are endangered species.

CENFACS’ Save Animals or Fauna advocacy is to advocate for the re-enhancement of protection of endangered, threatened and vulnerable animal species.

In this process, we are as well interested in efforts made to protect animals from diseases including the .  For example, people can still remember how tuberculosis killed elephants in South Africa, a few years ago.

 

• • Save Flora

 

We are as well extending our advocacy to other species in danger like trees, plans and flowers (flora).  It is about advocating to save these species that are threatened with extinction.

For example, the New Phytologist Foundation (11) argues that 35% of the species are threatened with extinction.  They include maize, potato, bean, squash, chilli pepper, vanilla, avocado, husk tomato and cotton crops.

 

• • Save Funga

 

This year, we have added fungi since they comprise a separate kingdom.  Examples of fungi like mushrooms, moulds, mildews, and yeasts are also threatened.

If this threat is true and continues, then one needs to protect and build forward better these threatened species.

In the light of the above, what would be the contents of our Save Flora, Fauna and Funga for this Autumn.   

 

• • This Autumn Advocacy about ‘Save Flora, Fauna and Funga’

 

This year’s advocacy for flora, fauna and funga will include two actions as follows.

 

1) Life-saving action against new forms of exploitation and trafficking of animal and plant species

 

This is an action to protect animal species in Africa from new forms of wildlife exploitation and trafficking, including kidnapping of animals from their natural sanctuary.  Those who exploit and traffic animal and plant species try to change their strategies and tactics.  It makes sense to adjust our actions to deal with their new exploitative strategies and trafficking tactics.

 

2) Life-saving action against the cost-of-living crisis on flora, fauna and funga

 

The enduring cost-of-living crisis has put enormous pressure on humans, particularly the poorest ones.  One could be afraid that fauna, flora and funga could be neglected or simply forgotten or abandoned since mankind cannot cope with their own pressure of facing soaring costs of living.

This action is about making sure that, plant, animal and fungi species regain, restore, rebuild and thrive their lives while humans are trying to deal with the cost-of-living crisis.  In other words, the action is about to ensure that the cost-of-living crisis does not lead to flora , fauna and funga crises since we depend on them in order to come out of the cost-of-living crisis.

 

• • Save Fauna, Flora and Funga to “A la une” Campaign

 

Save Fauna, Flora and Funga is only an iceberg of the wide campaign for the protection of nature run by CENFACS.  CENFACS’ Save Fauna, Flora and Funga is run this week and will be soon after followed or taken over by our Autumn environmental umbrella campaign, “A la une” (Autumn Leaves of Action to the Upkeep of the Nature in Existence) project.

“A la une” will take Save Fauna, Flora and Funga advocacy to the other level of environmental communications and awareness raising.  It will focus on Critically Endangered Fish Species.  We shall focus on saving endangered insects through our new initiative called ‘Mbisi’ (that is, Maintaining Bagrus ISitu Inhabitation).  It is an advocacy for the endangered fish species.

Mbisi is a new advocacy project planned by CENFACS to help protect critically endangered fish species and keep  them up in their natural habitat in Africa.  Fishes like Bagrus, Boyoma Falls Upside Down Catfish, the Ruwenzori Lampeye, the Line-spotted Ufipa Barb, the Arnegard Electric Fish, the Kunungu Air-Breathing Catfish, African Wedgefish (Rynchobatus Luebbert) and the Angel Squeaker are endangered species because of environmental threats and unregulated fishing activities.

The above is our highlights for Save Flora, Fauna and Funga.  To advocate and raise your voice to save endangered plant, animal and fungi species, please contact CENFACS.

 

 

Message in English-French (Message en anglais-français)

 

End-of-Month Special Offer with Translation Day on 30/09/2024

• Offre spéciale de fin de mois avec Journée de traduction le 30/09/2024

As part of CENFACS’ Translation Service and the United Nations’ International Translation Day, CENFACS’ in-house bilingual translators will be offering special translation service on 30/09/2024 in French to English and vice versa.

Dans le cadre du Service de traduction du CENFACS et de la Journée Internationale de la Traduction des Nations Unies, les traducteurs (rices) bilingues internes du CENFACS offriront un service de traduction spécial le 30/09/2024 du français vers l’anglais et vice versa.

If you have texts, documents, projects and stories to be translated from English to French and vice versa, please grab the unique opportunity of the end of the month and the beginning of the Autumn season to get your work translated.

Si vous avez des textes, des documents, des projets et des histoires à traduire de l’anglais vers le français et vice versa, saisissez l’occasion unique de la fin du mois et du début de la saison d’automne de faire traduire votre travail.

Translation is free service that we offer to our community.  However, we do not mind a voluntary donation or gift to keep this service running and the machinery of CENFACS.

La traduction est un service gratuit que nous offrons à notre communauté.  Cependant, nous ne sommes pas contre un don volontaire ou un cadeau pour maintenir ce service et l’appareillage du CENFACS

Should anyone need translation; they can let us know before the Translation Day so that we could plan ahead.

Si quelqu’un a besoin d’une traduction; ils peuvent nous le faire savoir avant la Journée de la Traduction afin que nous puissions planifier à l’avance. 

Please do not hesitate to contact CENFACS beforehand should you need translation, and we hope you will join us on the Translation Day.

N’hésitez pas à contacter le CENFACS à l’avance si vous avez besoin d’une traduction, et nous espérons que vous vous joindrez à nous lors de la Journée de la Traduction.

 

Main Development

 

Autumn ‘Fresh Start’ Help and Resources, In Focus for 2024 Edition: End Higher Living Costs

 

The following two items cover the presentation of Autumn ‘Fresh Start’ Help and Resources: 

 

∝ Making Autumn Start and Season Easier 

∝ Key Summaries of FAS 2024 Edition.

 

Let us look at these items.

 

• • Making Autumn Start and Season Easier 

           

In order to make Autumn Start and Season Easier it is better to understand Fresh Autumn Start and its context.

 

• • • What is Fresh Autumn Start (FAS)

 

FAS is a continuation of our Summer Support projects into the Autumn season.  It is a building block or additional handy back up of useful survival tips and hints to embrace Autumn as smoothly and trouble-freely as possible.

It includes real life situations that users may face when and as they return from their Summer break or season on one hand, and possible leads to proffer solutions to their arising Autumn needs on the other hand.

This FAS resource is not exhaustive or an end itself.  It needs other resources as complement.  It is a good basic insight into a Fresh Start as it provides helpful advisory tools for a Fresh Start and confidence building from the beginning to the end of Autumn season.  It could also be used as a reference for users to engineer their own idea of Fresh Start and the sustained management of autumn needs.

At the end of this resource, there are some websites addresses/directories for help and support.  In this post, we have not included these websites addresses/directories.  Those who would be interested in them, they need to request them from CENFACS.  These sources of help and support are not exhaustive.  We have mainly considered third sector organisations and service providers as well as social enterprises.

For further or extended list of service providers for Autumn needs, people can contact their local authorities and service directories (both online and in print).

 

• • • Fresh Autumn Start in the Context of Slow Rising Costs of Living

 

This Autumn, we are approaching Fresh Start Help from the perspective and context of Rising Prices at a slower pace.  It is the context in which prices of goods and services are slowly rising and sometimes going up and down in a sinusoidal way.  Yet, incomes are not still in position to catch up with slow rising costs or prices.

It is still the context of cost-of-living crisis since real household disposable incomes have not really increased although inflation is nearing the UK Government target of 2%.  In this typical context, the most sufferers are those living in poverty as they cannot afford any rising prices and bills whether they are  small or slow.

A context like the one we have depicted needs a response so that our users and members can meet their needs and navigate their way out of the cost-of-living crisis and poverty.  Our users and members need help and support to improve the ways they are tackling the enduring cost-of-living crisis.  Our users and members would like to see the end of higher living costs happening.  We can work with them so as they can get the help they need in order to meet basic life-sustaining needs and requests.

Briefly speaking, Fresh Start Help is the first line of support in the process of ending higher living costs or their impact.  The second line of support is Fresh Start Resources.

 

• • Key Summaries of FAS 2024 Edition

 

The key summaries of FAS 2024 Edition can be found under the contents below.

 

• • • Contents for FAS 2024 Edition

 

The contents for 2024 Edition of FAS include:

 

 Autumn scenarios and actions to take

 Examples of Summer break expenses track record and Autumn budget

 People needs and Autumn leads

 Integration of threats and risks

Ending Higher Living Costs

 What you can get from CENFACS

 Autumn online and digital resources.

 

Let us briefly explain each of these contents.

 

• • • • Imaginable Autumn Scenarios and Possible Actions

 

When returning from Summer break and/or season, people can find themselves in a variety of situations depending on their own individual circumstances and life experiences.  This variety of situations may require or be expected to be matched with a diversity of responses in order to meet people’s Autumn needs.

These variable circumstances and diverse responses or a course of actions can take the different shapes as well as can be framed in order to take into account the continuing adverse impacts of the enduring cost-of-living crisis.  One of these shapes could be to contextualise and customise back-to-relief, fresh start and build-forward-better support.  This is what CENFACS tries to do via the advice service.

 

 

• • • • Examples of Summer Break Expenses Track Record and Autumn Budget

 

Tracking down and reassessing summer break/season expenses are a positive step to put one through an optimistic start of the Autumn season.  As part of this positive step, FAS is packed with an example of Summer Break Expenses Track Record.

Budgeting Autumn items and needs is also good for a Fresh Start and for overall control over the start and rest of autumn season expenses.  Since our focus is on ending higher living costs, one can write a budget that deals with the shape and direction of the rise of the costs of living.

To write a comprehensive budget, one needs to include in their budget possible projections or forecasting or even scenarios regarding key indicators or adjustment factors like interest rate, inflation, indexes of goods and services, etc.  Such a budget will help in costing the activities planned in the process of improving ways and coming out of the cost-of-living crisis.

One of the precautions to take in your Autumn budget is to check affordability of your budget.  In other words, you need to make sure that any budgeted outgoings match budgeted incomings, any actual outgoings balance with actual income.  A positive difference means your budget is affordable, while a negative one signifies it is unaffordable.

To support this financial control, FAS contains two examples of budgets: Autumn budget adjusted for the cost-of-living index and fresh start budget.   

 

• • • • People’s Needs and Autumn Leads 

 

Variable circumstances can obviously result in multiple needs.  One of these circumstances is the enduring cost-of-living crisis.  To meet those needs, we may have to gather resources, tools and institutions to guide us.  The 2024 Edition of FAS provides a table that gives an idea of the likely leads to satisfy people’s needs or just to guide them.

 

• • • • Integrating Threats and Risks from the Adverse Impacts of Various Factors into FAS

 

The FAS 2024 edition integrates the damaging impacts of economic factors or variables such as interest rate change, inflation, the cost-of-living index, policy changes, geo-economic tensions, etc.

It also considers the probable evolution of these factors or variables in the medium term.  Likewise, the probable adverse impacts of climate change are nevertheless taking into account and unavoidable.

This integration is at the levels of possible Autumn scenarios, Autumn budget and arising needs.  It is the integration of both life-sustaining needs and other factors (like economic, social, climate, geo-economic, etc).

 

 

• • • • Ending Higher Living Costs

 

It is about making it easier or possible – via CENFACS‘ support and setup services – for CENFACS‘ members to stop higher living costs happening to them or the impacts of these costs.  Perhaps, the best way of understanding this is to explain what is the cost of living, the importance of ending higher living costs, what causes higher living costs and responses to higher living costs.

 

 

• • • • • What is the cost of living?

 

There are many explanations of the cost of living.  According to ‘britannica.com’ (12),

“The cost of living is a monetary cost of maintaining a particular standard of living, usually measured by calculating the average cost of a number of specific goods and services required by a particular group.  The goods and services used as indexes may be the minimum necessary to preserve health or may be what is considered average for a given income group, depending on the purpose of the index”.

The same ‘britannica.com’ explains that

“Measurement of the cost of a minimum standard of living is essential in determining relief payments, social-insurance benefits, family allowances, tax exemptions, and minimum wages.  Measurements of change in the cost of living are important in wage negotiations.  It is difficult, however, to make precise comparisons over time, because consumer tastes and the availability of products change”.

For instance, on 25 August 2024 the website ‘kanan.co’ (13) provided the measure of the cost of living in the UK as follows:

“The cost of living in UK per month for a family of four in UK is $3,135 (£2,268) without rent and  for students in UK is $900 (£651) without rent”.

Living costs can go up and down or remain stationary.  In recent years, they tend to go up than the other way.  For example, according to ‘statista.com’ (14),

“As of July 2024, 45 percent of households in Great Britain reported that their cost of living had increased in the previous month, compared with 51 percent in late June”.

What the 2024 Edition of FAS is concerned about is higher living costs (or living costs going or staying up).  Living costs are higher when they exceed the real household disposable incomes (RHDI).  The latter measures the total household earnings (like wages and benefits) after tax and accounting for inflation.

When living costs stay higher than RHDI for a long-term period, one can start to speak about the cost-of-living crisis, like it is happening now.

 

• • • • • Why ending higher living costs matters

 

It matters because increasing living costs can exacerbate poverty and create a cycle that keeps people trapped in hardships.   Higher living costs can become a crisis in the long run.  When higher living costs settle in for the long term, they can pose systemic and structural issues to ride off them.  If they exacerbate poverty, exacerbated poverty can lead to intergenerational one if higher living costs continue through different generations.  There are factors that cause higher living costs.

 

• • • • • What causes higher living costs

 

Living costs remain high because high inflation led to the average price of goods and services increasing faster than people’s wages and income.

For example, in the UK the ‘commonslibrary.parliament.uk’ (15) notes that

“The UK inflation rate, as measured by the Consumer Price Index, rose almost continuously from under 1% in early 2021 to 11.1% in October 2022.  The inflation rate then declined, dropping to 2.0% in May 2024”.

Although inflation is nearing 2% (as per the UK Government target), bills and costs are still growing slowly.  Higher living costs are still felt from previous record inflation and slowly growing prices of food shopping, energy, housing, rent, mortgage costs, etc.  There are and have been responses to higher costs of living.

 

• • • • • Responses to higher living costs

 

These responses came and are coming from the people victims of higher living costs, charities and voluntary organisations/churches, the National Government and local authorities.

The people who are the victims of the higher living costs responded by taking a number of initiatives like spending less on non-essential items, shopping around before buying, using less energy at home, etc.

Charities, voluntary organisations and churches stepped up their support in various ways like food banks, debt advice, all sorts of giving to back those in most need.

The National Government took a number of steps or measures to deal with the higher costs of living.  For example, the elements of tax credit were thought to be inflation-linked via the household support fund.

Some local authorities made discretionary payments to people in most need to help with rising cost of food, energy and water bills.

Are all these responses ended the impacts of higher living costs?  It is difficult to answer this question.

 

• • • • • What it takes to end higher living costs

 

If one looks at the living cost equation, to end living costs being higher it requires equalising costs and earnings/incomes.  Because we live in a market economy, it will be unlikely possible to fix the prices of goods and services; although in some strategic sectors like energy there is cap.  Because of that, actions can be taken to deal with the other side of the equation, that is earnings/incomes.  Actions are needed for wage growth and welfare state system that feels the gap.

Regarding these actions on earnings/incomes, there have been some proposals in the UK – from mostly charities, non governmental organisations, social enterprises and churches (16) – to improve earnings and incomes so that they can match increasing living costs.  Among the proposals are the following:

 

Reforming the welfare system in the UK

Essentials guarantee to enable people to afford the basics they need to live on

Increasing wages across the board

Reforming the rental market

Transitioning away from means-tested benefit system to needs-tested system as a way of meeting basic needs

Essential occupation as insurance for transfer payments to meet basic needs

etc.

 

These proposals or propositions are also what can be done in order to end poverty induced by the cost-of-living crisis.  However, arguing about these proposals it does not mean one should abandon the efforts undertaken so far to tackle the cost-of-living crisis and poverty.  One should continue to improve their ways of tackling the cost-of-living crisis and poverty.

 

• • • • • Improving ways of tackling the cost-of-living crisis and poverty to end higher living costs

 

It is about making better the means or manner of dealing with the cost-of-living crisis and poverty.  To make it better, it could imply proceeding with the following initiatives:

 

σ conducting a brand refresh used or taking a process of adjusting the brand in the fight against the cost-of-living crisis

(if you are one of our members, your brand will be the make you are using to tackle the cost-of-living crisis)

σ getting updates with the latest information, data and knowledge about this crisis

(for example, knowing the current index of the cost of living can help in improving one’s way of tackling the cost-of-living crisis and poverty)

σ fixing projects, activities and programme areas which are not working or where there are bugs

(for instance, users can review their Autumn budget 2023 and decide whether or not to keep any of the non essential expenses)

σ reviewing some of the fundamentals

(e.g., reassessing factors such as Ukraine-Russia conflict, market power of companies, wage growth, productivity growth, the evolution of inflation and interest rates, etc. can help)

σ refreshing values from an improved perspective

(e.g., if your accounting value is any expense has to comply to the spending limit you set up, you can re-evaluate this limit/value) 

σ taking refresher training to close the gaps in knowledge in the way of tackling the cost-of-living crisis

(any crisis comes along with it with new jargon and tools to deal with it. If there is a need to learn these jargon and tools, then a refresher training can be required)

σ  ameliorating your leadership abilities in whatever you do as the cost-of-living crisis endures

(any crisis can change the way one leads their life or household as well as it can provide the opportunity to improve one’s leadership skills) 

σ  enhancing the culture of your household or community

(to better deal with the cost-of-living crisis and poverty, it may require some improvements or adjustments in one’s household culture or simply way of doing things)

etc.

 

All the above means will help in improving ways of tackling the cost-of-living crisis and poverty.

 

 

• • • What You Can Get from CENFACS in Autumn under Autumn Help to End Higher Living Costs

 

The set of helps provided in the FAS 2024 is part of CENFACS’ UK arm of services and additional services we set up to overcome the negative side effects of crises and risks (like the coronavirus, the cost-of-living crisis, climate crisis, etc.).  In this respect, FAS 2024 include ‘Fresh Start‘ activities or services that can be aligned with the typical phases of crisis after the crisis phase.  These typical phases include de-escalation, stabilisation, post-crisis and resolve phases.  What are these activities?

There are three activities we would like to mention, which are:

 

a) activities to turn endings to new beginnings

a) activities to manage new beginnings

b) activities to manage plans for the future.

 

• • • • Fresh Start Activities as Those to Turn Endings to New Beginnings

 

These are the activities to return to where people were before the living costs increased with changes rather than against them, this Autumn.  People can now move on with change and transition.  They include:

 

tasks to manage transition (from Summer to Autumn, from when living costs started to increase to where they are now)

tasks relating to wellbeing economy, inclusiveness and safety to manage the process of ending higher living costs.

 

• • • • Fresh Start Activities as Those to Manage New Beginnings

 

The activities relating to the management of new beginnings will help to work with the community to achieve the following:

 

 set up new goals with them

 identify new opportunities and threats at the current time of the enduring cost-of-living crisis.

 

We shall work with them through advice, tips and hints in order for them to manage the new beginnings.

 

• • • • Fresh Start Activities as Those to Manage Plans for the Future

 

Fresh Start activities could be those of managing the future as well.  By using  futuring and visioning methods and techniques, it is possible to develop scenarios, horizon scanning and trend monitoring/analysis to help them not only improve and navigate their way out of the cost-of-living crisis; but to minimise the likely harmful impacts of future risks and crises as well.

Besides the above-mentioned provision, FAS 2024 Edition further takes into account specific needs of people that may require specialist organisations and or institutions to deal with them.  In which case CENFACS can signpost or refer the applicants to those third parties.

 

• • • Autumn Online and Digital Resources

 

As explained earlier, FAS 2024 Edition contains a list of organisations and services that can help users in different areas covering basic needs.  Most the provided resources, which are from the charity and voluntary sector, are online and digital.  The list gives their contact details including the kinds of support or service they provide.

We hope that the basic tips and hints making the contents of FAS 2024 Edition will help you in some aspects of your Autumn needs, and you will find the relief you are looking for.

We would like to take this opportunity of the beginning of the new season to wish you a Happy and Healthy Autumn, as well as good luck in your efforts to End Higher Living Costs and Their impacts on You!

_________

 

 References

 

(1) https://www.ben.org.uk/how-we-help/for-me/articles/reduce-your-living-costs/ (accessed in September 2024)

(2) https://www.financestrategists.com/retirement-planning (accessed in September 2024)

(3) https://www.gosolve.co.uk/brown-grey-green-field-land-development (accessed in September 2024)

(4) https://www.eli.org/brownfields-program/brownfields-basics# (accessed in September 2024)

(5) https://smartasset.com/retirement/what-is-a-retirement-plan (accessed in September 2024)

(6) Yiftachel, O. (2009), Critical Theory and ‘gray space’ Mobilisation of the Colonized at https://www.researchgate.net/publication/248930381_critical_theory_and_’gray_space’_Mobilisation_of_thecolonized (accessed in September 2023)

(7) McLean A. I., at https://peopleknowhow.org/wp-content/uploads/2019/01/what-are-the-benefits-of-green-and-blue-space.pdf (accessed in September 2022)

(8) https://environmentagency.blog.go.uk/2021/08/04/blue-space-the-final-frontier/ (accessed in September 2022)

(9) Dorsey, J. W. (2003). Brownfields and Greenfields: The Intersection of Sustainable Development and Environmental Stewardship. Environmental Practice, 5(1), 69-76, https://doi.org/10.1017/S1466046603030187 (accessed in September 2024)

(10) Depietri, Y. & McPhearson, T.,  (2017), Nature-based Solutions to Climate Change Adaptation in Urban Areas, Theory and Practice of Urban Sustainability Transitions, N. Kabisch et al. (eds.), DOI 10.1007/978-3-319-56091-5_6

(11) https://nph.onlinelibrary.wiley.com/doi/full/10.1002/ppp3.10225 (accessed September 2022)

(12) https://www.britannica.com/money/cost-of-living (accessed in September 2024)

(13) https://www.kanan.co>blog>cost-of-living-in-uk (accessed in September 2024)

(14) https://www.statista.com/statistics/1300280/great-britain-cost-of-living-increase/ (accessed in September 2024)

(15) https://www.commonslibrary.parliament.uk/research-briefings/cbp-9428/ (accessed in September 2024)

(16) https://www.bigissue.com/news/social-justice/uk-poverty-the-facts-figures-effects-solutions-cost-living-crisis/# (accessed in September 2024)

 

_________

 

 Help CENFACS Keep the Poverty Relief Work Going This Year

 

We do our work on a very small budget and on a voluntary basis.  Making a donation will show us you value our work and support CENFACS’ work, which is currently offered as a free service.

One could also consider a recurring donation to CENFACS in the future.

Additionally, we would like to inform you that planned gifting is always an option for giving at CENFACS.  Likewise, CENFACS accepts matching gifts from companies running a gift-matching programme.

Donate to support CENFACS!

FOR ONLY £1, YOU CAN SUPPORT CENFACS AND CENFACS’ NOBLE AND BEAUTIFUL CAUSES OF POVERTY REDUCTION.

JUST GO TO: Support Causes – (cenfacs.org.uk)

Thank you for visiting CENFACS website and reading this post.

Thank you as well to those who made or make comments about our weekly posts.

We look forward to receiving your regular visits and continuing support throughout 2024 and beyond.

With many thanks.

 

Starting XI Campaign 2024

Welcome to CENFACS’ Online Diary!

 18 September 2024

 

Post No. 370

 

 

The Week’s Contents

 

• Autumn 2024 Fresh Start: With a Focus on Finding Ways of Ending the Cost-of living Crisis  

• Starting XI Campaign 2024

• Financial Plan Updates for Households – In Focus from Wednesday 18/09/2024: Estate Planning

… And much more!

 

 

 

Key Messages

 

• Autumn 2024 Fresh Start: With a Focus on Finding Ways of Ending the Cost-of-living Crisis

 

• • What Is Autumn about for CENFACS and Its Community?

 

It is about Freshness.  Autumn is the time of natural recycling process of plants and trees.  Leaves change colour and fall.  Without reinventing the wheels, we can say that Autumn of Freshness at CENFACS is the season after the long sunny weather and break of Summer; season during which our body and mind naturally recycle and engage in renewed energy, strength and thoughts.

Autumn of Freshness is the season of

 

 making fresh start after returning back from Summer to resume our life routine, work, education and voluntary work, particularly poverty relief one

restarting after having some life and/or work experience (e.g., voluntary work or experience over the Summer, project visits, holiday trips, family sojourns, tourism, travel/expeditions of all kinds, etc.)

 beginning to apply or introduce and share those new experiences, ideas and discoveries we had during the Summer break or holiday

slowing down some types of things while slowly setting up new ones from small to big sizes

 novelty, creativity and innovation to try to resolve the old, new, challenging and emerging issues of poverty and hardships.

 

Will this Autumn be same as the previous ones?

 

• • Autumn of Freshness 2024

 

This Autumn 2024, we are going to try find ways forward to end the cost-of-living crisis.  It is not easy.  One can even think it is overambitious.  However, the cost-of-living crisis cannot keep indefinitely going on with its damages on poor people.

Finding ways of ending the cost-of-living crisis is also about answering these questions: How does economic crisis end? Does it end itself following the business or trade cycle model or fluctuations in the level of economic activity (that is, depression,  recovery, boom, recession and so on)?  Does it end through an intervention in the form of economic policy response?

There are different responses to these questions.  For instance, the website ‘econofact.org’ (1) argues that

“History suggests two ingredients are needed to stanch the acute phase of an economic crisis: a resolution of the underlying cause and a dramatic economic policy response that mitigates the economic damage and causes a shift in the sentiment”.

Although the cost-of-living crisis is not comparable to the economic shocks of 1929 and 2008 or the 2019 coronavirus disaster with its economic ramifications, it is possible to find ways of ending the cost-of-living crisis.  Economically speaking, it will be possible when real disposable incomes match the level of prices.  One needs to find new ways forward for this match to happen.

To find new ways forward, we may need to keep refreshing the methods, approaches, theories, systems, practices and tools we have been using to tackle the cost-of-living crisis.  Why do we need to find ways of ending the cost-of-living crisis?

Many economic analysts and expert bodies (like the Institute of Chartered Accountants in England and Wales, the Resolution Foundation, chief economists at World Economic Forum, etc.) think that the cost-of-living crisis will last until the end of 2024, when household real disposable incomes will increase and inflation drop back.  Although, the inflation in the UK is nearing government target of 2%, prices are still slowly rising and wages are still failing to meet them.  Some even predict that the cost-of-living crisis will carry on up to 2027/2028.

If this is the case or scenario, one may need to find way of ending the cost-of-living crisis or refreshing their autumnal way through which they are dealing with the cost-of-living crisis.  Let alone the economic theory they are using.  Ways forward to end the cost-of-living crisis and refreshing are needed within CENFACS, between CENFACS and its community for the following reasons:

 

σ to conduct a brand refresh used or take a process of adjusting the brand in the fight against the cost-of-living crisis

σ to update with the latest information and knowledge about this crisis

σ to fix projects, activities and programme areas which are not working or where there are bugs

σ to review some of the fundamentals

σ to refresh values from an improved perspective

σ to take refresher training to close the gaps in knowledge in the way of tackling the cost-of-living crisis

σ to stay in tune with changing project beneficiaries’ tastes and technological innovation causing new services to emerge which may supersede existing ones

σ briefly to keep control on the life cycle (that is launch, growth, maturity and decline) of CENFACS‘ products/services while finding a new way forward to end the cost-of-living crisis.

 

All these reasons will help find new way forward to end the cost-of-living crisis, which has been tackled since inflation went far ahead wages.  They will also assist in dealing with other enduring polycrises like climate crisis.

However, we have to admit that CENFACS does not have the capacity to end the cost-of-living crisis.  CENFACS can however work with those affected by the lingering effects of the cost-of-living crisis to reduce or end these harmful effects on them.  As the ‘verywellmind.com’ (2) puts it when referring to trauma:

“Fortunately, there are healthy ways to cope with a crisis and get to the other side”.

CENFACS will continue to work with those stricken by the cost-of-living crisis and its lingering effects so that they can get to the other side of the crisis.

So, the key words and phrases for our sharing and engaging contents over this Autumn are Finding or Refreshing or Reviving Ways of Ending the Cost-of-living Crisis; words and phrases which will underpin all our work over this period.

 

 

• Starting XI Campaign in 2024: Autumn Programme with Starting XI Projects to Find Ways of Ending the Cost-of-living Crisis

 

Autumn of Freshness is about working together with our users, project beneficiaries, members and stakeholders through a helpful bundle of Fresh Start projects blended together to give a contemporary and targeted relief, thanks to a good knowledge of users’ and members’ needs and expectations.

These projects will help implement new and improved ways of working with local people to meet changing needs mainly led by the lingering effects of the last crises (e.g., the coronavirus disaster) and the enduring cost-of-living crisis in the Year of Transitions; a year of transitionary skills to meet poor people’s needs in a new era and landscape of poverty reduction and development policies.  These projects make up our Autumn 2024 Fresh Start Programme.

 

• • What Is Included in the Autumn 2024 Fresh Start Programme?

 

The Autumn 2024 Fresh Start Programme is made of

 

(a) Skills, tips, hints, tweaks, tools and hacks to find ways to end or refresh ways of ending the cost-of-living crisis

(b) Transformative and transitionary experiences

(c) The Season’s appeal to stand up again against poverty and hardships

(d) A Slice and feast of Africa’s history

(e) A Campaign to end the stubborn cost-of-living crisis

(f) A Spatial analysis of poverty via brown, blue, green and grey spaces

(g) Blue and green realignments of initiatives to the principles of greenhouse gas emissions reduction goals and targets

(h) Thoughts and inspirations to finish the unfinished work of building forward from previous crises.

 

All this is flavoured with hopes, dreams and reasons to believe in the future; a poverty-free, sustainable, net zero and crisis-free world.

So, the line-up for CENFACS’ Starting XI Projects and Campaign to find ways forward to end the cost-of-living crisis and other crises for this Autumn is as follows:

 

(1) Women, Children and Transitionary Skills to Transition from Ways of Tackling to Ending Crises – NEW

(2) Data Storytelling and Communications Skills for Households – UPGRADED

(3) African Charities’ Investment Management Project – NEW

(4) Making Memorable Difference through Africa’s Woven Loincloth

(5) Save Flora, Fauna and Funga

(6) Leaves-based Advice with Impact

(7) “A la Une” (Autumn Leaves of Action for the Upkeep of the Nature in Existence) with a Focus on Critically Endangered Fish Species

(8) Advice for Africa-based Sister Organisations and Guidance for Not-for-profit Impact Investing in Africa 

(9) Autumn Help to End the Higher Costs of Living

(10) Campaign to End Poverty Induced by Rising the Costs of Living

(11) Autumn Humanitarian Assistance and Disaster Relief Appeals.

 

For more on these projects, please read below under the Main Development section of this post.

 

 

• Financial Plan Updates for Households – In Focus from Wednesday 18/09/2024: Estate Planning

 

Our 4-series of Financial Plan Updates for Households continues this week as we are working on the third serial of these updates, which is Estate Planning.  Before going any further, let us explain the meaning of estate planning.

 

• • What Is Estate Planning?

 

According to Smart Assets (3),

“Estate planning is the series of preparation tasks that dictate how your assets will be dispersed upon your incapacity or death”.

Smart Assets also explains that

“Estate planning entails for more than just creating a will.  It may include: assigning a power of attorney and healthcare proxy to make decisions on your behalf, creating trusts, establishing guardians for living dependents, appointing or updating beneficiaries on life insurance plans and retirement accounts, making funeral arrangement, preparing for estate taxes, potentially by scheduling annual gifting”.

Many of CENFACS users and members, especially those living on low or modest income may think that the above-mentioned areas of estate planning do not matter for them.  Yet, they do matter.  This is why CENFACS is running this initiative to work with them.  Also, CENFACS runs planned gifting as a giving option for potential donors/funders who may be interested in inserting a giving aspect in the estate planning.

 

• • Working with Households on Estate Planning

 

CENFACS can work with those households interested in the following:

 

σ Creating their estate plan (which will include the inventory of their assets, potential beneficiaries of their assets)

σ Drawing their will and testament (CENFACS can signpost or refer them to appropriate services catering for will and testament matters)

σ Assigning powers on their health and financial decisions

σ Choosing an executor to administer their assets and final wishes

σ Dealing with aspects of their life linked to estate and inheritance taxes, etc.

 

Estate planning is important for all members making the CENFACS Community.  As Smart Assets (op. cit.) puts it,

“Estate planning is crucial no matter your age or level of wealth.  You want to have a say in where your assets end up and ensure your loved ones are adequately cared for should something happen to you”.

There are households capable of creating their own estate planning.  There are others needing support on this matter.  CENFACS can work with those needing support.  Where CENFACS‘ capacity is limited, CENFACS can signpost them to agencies or professionals on estate planning (e.g., estate planners, financial advisor or attorney) offering the services they are looking for.

Those who may be interested in updating their Estate Plan can contact CENFACS for further details.

If you need support with your Estate Plan Updates, please do not hesitate to communicate with CENFACS.

 

 

Extra Messages

 

• Brown Spaces-focused Note for Wednesday 18/09/2023: Bringing New Opportunities 

• Summer 2024 Humanitarian Appeal Projects: Only Four Days to Go!

• Starting or Renewing Your Involvement with CENFACS’ Work This Autumn 2024

 

 

Brown Spaces-focused Note for Wednesday 18/09/2023: Bringing New Opportunities 

 

Our understanding of sustainable planning and redevelopment of brown spaces in terms of their benefits continue this week.  It carries on as we are looking at how some of the interventions to revitalise brown spaces in a sustainable way can socially, economically and environmentally benefit people, particularly end-users.  One of the benefits is the creation of new opportunities.

 

• • New Opportunities to Be Brought by the Redevelopment of Brown Spaces

 

Where brown spaces have been successfully redeveloped, there could be new opportunities for local people in terms of employment, education, housing, health, business, recycling, etc.  It could be even desirable if these new opportunities lift local people out of poverty.

Speaking about benefits from redeveloped brown spaces, the website ‘epa.gov’ (4) notes that

“Revitalising brownfields provides new economic and social benefits to communities, in addition to improving environmental conditions”.

The website ‘epa.gov’ also argues that there are steps to take in order for any redevelopment can bring benefits.  Additionally, the community has to position itself to successfully reap the benefits from brown spaces redevelopment.  In other words, there is no direct link between what brown spaces redevelopers would bring in terms of new opportunities and the benefits that people (where this redevelopment is taking place) would grab from the window of opportunities brought.  People have to do something to capture these opportunities.

 

• • Working with the Community on New Opportunities Stemming from the Brown Spaces Redevelopment

 

It is about supporting our community members in the following ways:

 

> how to grab new opportunities arising from any redevelopment of brown spaces

> how not to be left behind of any opportunities created  by the redevelopment of brown spaces

> how they can better position themselves to embrace the new opportunities to be created

> how they can back or not back brown space projects with their favourable or unfavourable opinions

etc.

 

For those of our members who would like to work with us on new opportunities stemming from the redevelopment of brown spaces, they are welcome to work with us.

For those members who would like to share their experience in terms of new opportunities resulting from the redevelopment of brown spaces and how they seized them; they are also invited to share it with us.

For those who would like to further discuss with us any other matters or insights relating to the the New Opportunities from the Redevelopment of Brown Spaces, they should not hesitate to contact CENFACS.

 

 

• Summer 2024 Humanitarian Appeal Projects: Only Four Days to Go!

 

There are only four days to go before our Summer Humanitarian and Fundraising Campaign ends.

 

All poor, unprotected children, undervalued young carers and those poor suffering from the lack of opportunities in sport development and sustainable development; they all are asking for support to reduce and or end the type of poverty they are experiencing.

 

Their requests are summarised inside the 2024 Edition of CENFACS’ Summer Humanitarian Appeal Projects.

The projects making this appeal include the following:

 

Cover Basic Spending for the Distressed Children in Africa

√ All Gifts for All Poor 

√ International Networking and Protection against Crises

√ Iconic Young Carer 

√ ELCLASSICO International.

 

The above five projects require donation or funding or influence.

You can donate money and / or give in kind or influence.

Please remember, the fundraising and influencing campaign for these projects will end by 22 September 2024.

CENFACS will accept any support given during and beyond the duration of this campaign.

Please do not wait to donate or influence as the needs are pressing and urgent NOW.

To support and or enquire about these humanitarian relief appeal projects, please contact CENFACS.

Thank you for your generosity.

 

 

• Starting or Renewing Your Involvement with CENFACS’ Work This Autumn 2024

 

The beginning of every season is an opportunity either to continue to do the things we always do as they work or to think of taking on new initiatives in the new season or to do both.  Likewise, in time of enduring cost-of-living crisis there are not only worries and stresses; there are as well new opportunities and possibilities to do things differently.  One can use the opportunity of the enduring cost-of-living crisis to review or change things.  One way of doing is to start or continue to look forward.  There are many ways in which one can look forward this Autumn.

For example, one can use the opportunity of the enduring cost-of-living crisis and rethink on the types of organisations and projects they support.  One may find appropriate to start or increase or even reduce their support to a particular development or poverty relief cause.  One could also think of getting involved in CENFACS’ work or renewing their commitment to it if they have ever got involved in it before.  The decision is theirs.

We have spelled out below various ways in which one can enhance CENFACS’ noble and beautiful cause of poverty reduction, and make a useful impact on poverty reduction with us.

 

 

• • Getting the Most of Your Involvement with CENFACS into Poverty Reduction Work from Autumn 2024 and Beyond

 

The following points provide ways through which one can get involved with CENFACS‘ noble and beautiful cause of poverty reduction.

 

• • • Where to start: Sign up!

√ Register with us and or update us with your contact details

√ Respond to our communications and communicate with us when occasion arises

 

• • • Stay in touch with our…

√ Newsletter and other paper and free-paper communication materials

√ Regular updated and upgraded resources (e.g., fact sheets) and supporting information

 

• • • Involve us in raising awareness of the poverty relief issue

√ Advertise with us for helpful good and deserving causes

√ Pass our relief messages on to interested third parties

 

• • • Share your transformative experience

√ Tell us what you think and or your development story

√ Help us improve with your voices, comments, reports and feedbacks

 

• • • Boost your support

√ Support us according to your means and limits as every support counts

√ Add value to your support, if you can, by improving your support to us to support you and or others

 

• • • Get noticed to go further with your involvement

√ Register and keep up to date with information about your event, project, activity and so on

√ Join up our network of poverty relief and development work

 

• • • Stay ahead of the game with us

√ Communicate with us before hands and when the needs arise

√ Often read our news alerts, tweets and switch to our new developments

 

• • • Deliver on your promises 

√ If you promise to do something for or with CENFACS and others, please do it

√ If you can’t do it, please let us know.  Don’t just stay silent!

 

• • • Make our communications with you to be a two-way process and multi-channel approach

√ Talk to CENFACS and CENFACS will talk to you as well and vice versa

√ Help us improve the flow of information on poverty relief and development using a variety of channels and platforms

 

• • • Be contactable and present via

√ E-mail, (tele or mobile) phones, physical address and social media platforms

√ Word-of-mouth recommendations, outreach and other means of contact (like video calls)

 

• • • Get the word out on your communication channels

√ Spread words about CENFACS’ work on your social media links

√ Promote CENFACS’ work in what and where you think we can fit in

 

• • • Keep your involvement with CENFACS digitally and on papers

√ Up-to-date information on to your mobile by our free text alerts and messages

√ Check CENFACS’ website and make enquiries online 24 hours 7 days a week

 

• • • Act upon information received from us

√ Don’t just read or hear them and do nothing about them.  Please react and be vocal!

√ If they are irrelevant to you, please pass them onto an interested and committed party

 

• • • Build and protect standards of trust in CENFACS

√ Correct inaccuracies and misinformation, stop the spread of false information about CENFACS and its community/network

√ Tackle with us the pollution of information, disinformation and distrust about our poverty reduction work and initiatives

 

• • • Ask for help and support

√ Seek help if you need it before getting involved with CENFACS

√ Find support when you need it in order to get involved with CENFACS

 

• • • Continue the legacy of CENFACS’ work

√ It is now 22 years and two months that CENFACS has been working on poverty relief and sustainable development since it was registered in 2002.  You can continue this legacy with us.

√ You can be the face of CENFACS to those who are looking for a lifeline of support from us.

The above ways of getting involved in CENFACS’ work may not be exhaustive.  Should you have any other way, please let us know.

To get involved with CENFACS into poverty reduction work, just let us know.

 

 

Message in French (Message en français)

 

• Mises à Jour du Plan Financier pour les Ménages – Point de mire à partir du mercredi 18/09/2024: Planification Successorale

Notre série de 4 mises à jour du plan financier pour les ménages se poursuit cette semaine; semaine pendant laquelle nous travaillons sur la troisième série de ces mises à jour, qui porte sur la planification successorale.  Avant d’aller plus loin, expliquons le sens de la planification successorale.

• • Qu’est-ce que la planification successorale?

Selon Smart Assets (3),

«La planification successorale est la série de tâches de préparation qui dictent la répartition de vos actifs en cas d’incapacité ou de décès.»

Smart Assets explique également que

« La planification successorale ne se limite pas à la création d’un testament.  Il peut s’agir de l’attribution d’une procuration et d’une procuration en matière de soins de santé pour prendre des décisions en votre nom, de la création de fiducies, de l’établissement de tuteurs pour les personnes à charge vivantes, de la nomination ou de la mise à jour des bénéficiaires des régimes d’assurance-vie et des comptes de retraite, de l’organisation des funérailles, de la préparation des droits de succession, éventuellement en planifiant les dons annuels.

De nombreux bénéficiaires et membres du CENFACS, en particulier ceux qui vivent avec un revenu faible ou modeste, peuvent penser que les domaines de la planification successorale mentionnés ci-dessus n’ont pas d’importance pour eux.  Pourtant, ils comptent.  C’est pourquoi le CENFACS mène cette initiative pour travailler avec eux.  De plus, le CENFACS demande des dons planifiés comme option de don pour les donateurs/rices ou les bailleurs/resses de fonds potentiels qui pourraient être intéressé(e)s à intégrer un aspect de don dans la planification successorale.

• • Travailler avec les ménages sur la planification successorale

Le CENFACS peut travailler avec les ménages intéressés par ce qui suit:

σ Création de leur plan successoral (qui comprendra l’inventaire de leurs biens, bénéficiaires potentiels de leurs biens)

σ Rédiger son testament

σ Attribuer des pouvoirs sur leurs décisions sanitaires et financières

σ Choisir un exécuteur testamentaire pour administrer ses biens et ses dernières volontés

σ Gérer les aspects de leur vie liés aux droits de succession, etc.

La planification successorale est importante pour tous les membres qui composent la communauté CENFACS.  Comme Smart Assets (op. cit.) le dit,

« La planification successorale est cruciale, peu importe votre âge ou votre niveau de richesse.  Vous voulez avoir votre mot à dire sur l’endroit où se retrouvent vos actifs et vous assurer que vos proches sont pris en charge de manière adéquate si quelque chose vous arrive.

Il existe des ménages capables de créer leur propre planification successorale.  Il y en a d’autres qui ont besoin d’aide à ce sujet.  Le CENFACS peut travailler avec ceux qui ont besoin d’aide.  Lorsque la capacité de CENFACS est limitée, CENFACS peut les orienter vers des agences (par exemple, des planificateurs successoraux, un conseiller financier ou un avocat) offrant les services qu’ils recherchent.

Les personnes qui pourraient être intéressées à mettre à jour leur plan successoral peuvent contacter le CENFACS pour plus de détails.

Si vous avez besoin d’aide pour la mise à jour de votre plan successoral, n’hésitez pas à communiquer avec le CENFACS.

 

Main Development

 

Starting XI Campaign 2024: Autumn Programme with Starting XI Projects to Find Ways of Ending the Cost-of-living Crisis

 

The following two items provide the main idea of our Starting XI Campaign 2024:

 

∝ What Is Starting XI Campaign?

∝ Starting XI Projects to Find Ways of Ending the Cost-of-living Crisis

 

Before highlighting the projects making the Starting XI Campaign 2024, let us explain this campaign.

 

• • What Is Starting XI Campaign?

 

It is an organised series of actions and operations designed to help achieve the goal of poverty reduction during the autumnal season.  Normally, there are eleven projects that make these actions to gain support for poverty reduction and build up opposition to practice that keeps poverty.   The list of eleven projects will help work with the communities here in the UK and Africa to freshly start Autumn.  These projects are our Fresh Start ones, which will help beneficiaries to cope with the lingering effects of the cost-of-living crisis.  What are these projects?

 

• • Starting XI Projects to Find Ways of Ending or to Refresh Ways of Tackling Crises

 

The XI projects we are talking about will allow us to start our overall Autumn Season’s poverty reduction campaign.  This is why we call them as Starting XI Projects or Campaign.

 

11 PROJECTS TO FIND WAYS OF ENDING THE COST-OF-LIVING CRISIS: 11 WAYS OF HELPING TO REDUCE AND END POVERTY THIS AUTUMN 2024

Please find below key highlights of projects making CENFACS’ Autumn 2024 of Finding Ways of Ending the Cost-of-living Crisis, including the month each of these projects is supposed to start.

 

• • • Key Highlights of Starting XI Projects 

 

September 2024

 

(5) Save Flora, Fauna and Funga projects (including the Big Beasts sub-advocacy)

These projects will continue our advocacy work on the protection of plants, animals and fungi, while we are carrying on to implementing new ways of working with local people and organisations in Africa to help save flora, fauna and funga. (Advocacy)

(6) Leaves-based Advice with Impact 

It is a step forward within the framework of the advice service we provide to the community.  The leaves element within our local advice package, which marked CENFACS’ 2021 Year of Leaves, will continue to feature the advisory process of helping the community to reduce poverty.  In 2023, we included impact to this package.  Advice with impact means that advice will be given with an impact strategy to maximise outcomes for the beneficiaries.   (Advice)

(7) A la Une (Autumn Leaves of Action for the Upkeep of the Nature in Existence)

‘A la Une’ will include our sub-advocacy work on nature, which is Sustainable Trajectories for the Nature.  This year, A la Une project will focus on Endangered Fish Species.  

In the last week of September 2024, we shall focus on saving endangered fish through our new initiative called ‘Mbisi’ (that is, Maintaining Bagrus ISitu Inhabitation).  It is an advocacy for saving the endangered fish species.

Mbisi is a new advocacy project planned by CENFACS to help protect critically endangered fish species and keep  them up in their natural habitat in Africa.  Fishes like Bagrus, Boyoma Falls Upside Down Catfish, the Ruwenzori Lampeye, the Line-spotted Ufipa Barb, the Arnegard Electric Fish, the Kunungu Air-Breathing Catfish, African Wedgefish (Rynchobatus Luebbert) and the Angel Squeaker are endangered species because of environmental threats and unregulated fishing activities.

The ‘Mbisi project, which has already kicked off, will help us to advocate for a safe life for fish species.  (Campaign)

 

October 2024

 

(11) Autumn Humanitarian Assistance and Disaster Relief Appeals 

These appeals are a renewed engagement with supporters via appeals to deal with the exacerbation of poverty by climate change, the enduring cost-of-living crisis and any spotted lingering effects of coronavirus as well as the emergence of new threats brought by Mpox and other diseases in Africa.  These humanitarian relief and emergency appeals, which will help people and communities in most desperate situation, will include as well

~ short-term environmental strikes and disasters linked to climate change cycles (like in the cases of Morocco-Safi earthquake and Libya deadly floods and landslides in 2023)

~ long-term environmental storms and catastrophes (e.g., the risk of freshwater sources to be contaminated in some parts of Africa by viruses, germs, parasites and pollutants creating water scarcity)

~ short-term crises and armed conflicts and disputes (e.g., the probable intensification of violence and worsening of humanitarian crisis in the African Sahel)

~ wars linked to economic trends and business cycles (e.g., the geo-economic tensions between Africa’s trading bloc and other economic blocs)

~ and long-running and permanent wars and structural warfare (e.g., the deterioration of the security situation in African countries where there have been military coups d’état like in Niger, Guinea  with the possibility of long-running civil wars). (Humanitarian appeals)

(4) Making Memorable Difference (MMD)

The focus for this October History Month will be on Africa’s Woven Loincloth in lifting people out of poverty.  Our work for this year’s MMD will be about identifying the historical figures (and families) of Africa in Woven Loincloth making. (History project)

(10) Campaign to End Poverty Induced by Rising Costs of the Living

It is an organised series of actions to gain support for the cost-of-living poor so that something can be done for them.  These actions need to result in change, particularly the reduction and end of the cost-of-living poverty.  The latter is now a barrier for many poor.

We shall continue our alignment of this campaign with the typical phases of crisis (i.e., crisis, de-escalation, stabilisation, resolve and post-crisis) as set it up in October 2022.  We shall as well continue to offer the three services (short-, medium- and long-term services) linked to this campaign. (Poverty-relieving campaign)

 

November 2024

 

(9) Autumn Help to End the Higher Costs of Living

CENFACS does not have the power to stabilise prices, costs and bills for its members or members of the public.  CENFACS has, however, voice to speak and can help through its voice so that those who can influence the economic factors and indicators (like inflation, interest rate, wages, etc.) do their best to stabilise prices and raise wages to match prices.

Also, there are people who are succeeding in their fight against the adverse effects of the cost-of-living crisis.  There are others, who could be the majority, who are failing to win this battle.

For those who are not winning this fight, they may need to rethink or improve the ways they are tackling the enduring cost-of-living crisis, especially as many experts believe that the cost-of-living will last until real household disposable incomes increase and inflation drops back to meet the UK Government’s 2 per cent CPI (Consume Prices Index) inflation target. 

For those failing this battle, they may need help to improve the way they are tackling the cost-of-living crisis.

Autumn Help to End the Higher Costs of Living, which will be a resource, will contain new information, tips and hints to help the community transition out of the cost-of-living crisis.  This initiative or resource could start or be published before November 2024.  (Resource)

(1) Women & Children FIRST Development Day

This year, our Development Day will still be about skills that can be learnt and developed in order to freshly start Autumn 2023.  It will be about Women, Children and Transitionary Skills to Transition from Ways of Tackling to Ending Crises.

In the last four years, the Development Day has been designed to resonate with the November month of Skills Development within CENFACS.  This year’s Development Day will too reverberate with the Skills Development Month within CENFACS(Thoughts)

(8) Advice to Africa-based Sister Organisations (ASOs) and Guidance for Not-for-profit Impact Investing in Africa

Our support to Africa-based Sister Organisations via advice will continue to operate to help these organisations to overcome many challenges they face such as changing climate, the coronavirus and the cost-of-living crisis.  We have added to the advice service the guidance we give to those who would like to not-for-profit invest with impact in Africa.

Under CENFACS‘ Guidance for Investing in African Not-for-profit Organisations and Causes in Africa, we run a programme to support not-for-profit investors in Africa.  For both ASOs and not-for-profit investors, we have planned to conduct more activities this coming November 2024. (Advice & Guidance)

(2) Data Storytelling and Communications Skills for Households

Data are deeply embedded in households. Households need appropriate communications and storytelling skills about data to properly express by themselves what is behind data.  To better communicate the story behind their data households, they do not need to be data scientists.

The initiative will aim at empowering user households with skills to tell and visualise data (i.e., words and numbers) as well as get explained information that run their life.  It will help them to have control over their data and life. (Data and Insight Advocacy & Skills)

(3) African Charities’ Investment Management Project (ACIMP)

ACIMP is an advisory management project designed by CENFACS to work together with Africa-based Sister Organisations looking to plan and manage their investments so that they can realise their mission with peace of mind without to worry to much about investment issues.  The project will help to avoid investment mistakes while tolerating risk at fairly acceptable level.

Through this project, organisations will build generational investment management capacity and wealth that will help them and their beneficiaries to escape from intergenerational poverty.  (Support and Resource) 

 

Note:

As said earlier, the above XI projects will allow us to start our overall Autumn Season’s poverty reduction campaign.  This is why we call them as Starting XI Projects or Campaign.

Although they are scheduled for Autumn 2024, we may slightly alter our initial plan and or introduce occasional initiatives to cope with the reality of the unpredictability and complexity of development situations (e.g., side effects of the cost-of-living crisis, humanitarian and emergency situations), in which case we shall let you know as early as we can.

________

 

• References

 

(1) https://econofact.org/how-do-economic-crises-end (accessed in September 2024)

(2) https://www.verywellmind.com/cope-with-a-crisis-or-trauma-3144525# (accessed in September 2024)

(3) https://smartasset.com/retirement/estate-planning (accessed in September 2024)

(4) https://www.epa.gov/sites/2019-06/documents/final_community_actions_that_drive_brownfield_development_6-3-19_508_compliant.pdf# (accessed in September 2024)

 

_________

 

 Help CENFACS Keep the Poverty Relief Work Going This Year

 

We do our work on a very small budget and on a voluntary basis.  Making a donation will show us you value our work and support CENFACS’ work, which is currently offered as a free service.

One could also consider a recurring donation to CENFACS in the future.

Additionally, we would like to inform you that planned gifting is always an option for giving at CENFACS.  Likewise, CENFACS accepts matching gifts from companies running a gift-matching programme.

Donate to support CENFACS!

FOR ONLY £1, YOU CAN SUPPORT CENFACS AND CENFACS’ NOBLE AND BEAUTIFUL CAUSES OF POVERTY REDUCTION.

JUST GO TO: Support Causes – (cenfacs.org.uk)

Thank you for visiting CENFACS website and reading this post.

Thank you as well to those who made or make comments about our weekly posts.

We look forward to receiving your regular visits and continuing support throughout 2024 and beyond.

With many thanks.

 

Reduction of Back-to-school Poverty to Improve the Quality of Life

Welcome to CENFACS’ Online Diary!

 11 September 2024

 

Post No. 369

 

 

The Week’s Contents

 

• Reduction of Back-to-school Poverty to Improve the Quality of Life

• Coming in Autumn 2024: The 85th Issue of FACS which Will Be Titled as Pension Fund Management and Poverty Reduction by African Charities

• Financial Plan Updates for Households – In Focus from Wednesday 11/09/2024: Household Investment Planning

… And much more!

 

 

Key Messages

 

• Reduction of Back-to-school Poverty to Improve the Quality of Life

 

Back to school is a challenging time for many families and parents, especially for those on low-income brackets or those living in poverty.  It is even harder for many of them as they are trying to strike a delicate balance between building forward educational life for children and still dealing with the lingering effects of the polycrises, particularly of the cost-of-living crisis.  It is deeply demanding for them during this painful time of the enduring cost-of-living crisis as the expenses of sending back their children to school are fiercely competing with high living costs.  Amongst these challenges, the greatest one for these families is back-to-school poverty, which has to be reduced and ended.  

 

• • Reduction of Back-to-school Poverty

 

Back-to-school poverty is what we are trying to help reduce or eradicate within our back-to-relief programme and campaign this Autumn 2024, if one wants to lay down the foundations for improving the quality of life.  In our latest posts, we explained what we mean by back-to-school poverty.  In this post, we shall go beyond the reduction of this type of poverty.

Indeed, the reduction of back-to-school poverty should not be the end of road or an end itself.  We need to go far in our way of working with the back-to-school poor so that they can improve the quality of their life.  But, what do we mean by improving the quality of life for the back-to-school poor?

 

• • Meaning of Improving Quality of Life

 

To express improving quality of life, let us first explain the term ‘quality of life’.  Our explanation of ‘quality of life’ comes from the World Health Organisation (WHO) quoted by Sarah Sperber on the website ‘berkeleywellbeing.com’ (1).  The WHO’s explanation is

“The quality of life refers to an individual’s perception of their position in life in the context of the culture and value systems in which they live and in relation to their goals, expectations, standards and concerns”.

As one can notice that the concept of ‘quality of life’ is a subjective measure of one’s wellbeing.  But, it can also be an objective measure.  It all depends on whether one sees it as an subjective or objective measure.  What is mostly interesting is that ‘quality of life’ comes with factors, namely basic factors (such as being well-nourished, free of disease and having income) and complex factors (like self-respect, dignity and community engagement).  These factors are the ones that need to be improved or ameliorated to produce a good quality of life for the back-to-school children and their families.

So, by working to reduce back-to-school poverty we are as well trying to help improve the quality of life.  However, there is no direct relationship between the reduction of back-to-school poverty and the improvement of the back-to-school quality of life, unless one shows it in the way they are tackling back-to-school poverty.

In CENFACS‘ case, we are trying to help reduce back-to-school poverty while assisting in the improvement of the quality of life of the same back-to-school poor.   We are doing it through the implementation of back-to-relief programme and services.

For more on the Reduction of Back-to-school Poverty to Improve the Quality of Life, please read under the Main Development section of this post.

 

 

• Coming in Autumn 2024: The 85th Issue of FACS which Will Be Titled as Pension Fund Management and Poverty Reduction by African Charities

 

Like their counterparts in the other regions of the world, African charities can accumulate capital in the form of pension for their employees to be paid to them in their retirement.  However, the possibility of this accumulation depends on the practices and history of pension funds management in Africa.

Historically and practically, pension assets compared to the Gross Domestic Product remains below 60% on average in most African countries.  In this regard, Bright Africa (2) notes that

“In line with global trends, most retirement income in Africa is funded by its governments, but pension coverage on the continent remains low compared to the rest of the world”.

This low pension assets can be a problem both in terms of the management of pension funds and of reducing poverty among the elderly.  Nevertheless, this weakness of pension assets sends a clear message to African charities and their pension fund managers on the area of pension fund management regarding the support in retirement plans they can provide to their employees, especially the poor ones.  This weakness also makes the focus of the 85th Issue of FACS.

The 85th Issue will deal with pension funds management carried out by Africa charities, particularly those working with CENFACS – Africa-based Sister Organisations (ASOs).  Essentially, it will focus on the practice of pension funds management done by ASOs.  Although it will deal with practice, it will also consider the theories of pension fund management.  In particular, it will consider both the financial theory of defined benefit pension schemes and that of defined contribution pension schemes.  It will reconcile these theories with practices since the knowledge of a particular theory can lead to better choices in terms of investment options.

The 85th Issue will mostly put emphasis on ASO-based pension schemes and defined contribution schemes while considering pension funding risks in Africa.  An example of pension funding risk could be the shortfall in contribution remittances to schemes like it happened during the coronavirus crisis.

The 85th Issue will make some proposals and explore grounds on which ASOs can affect the debate and practice over pension fund management in Africa.  For example, proposals and explorations will be on ways of improving pension fund management so that poor charity sector employees and other poor pensioners (like those from informal economy) can feel the real helpful difference in their retirement time.

Without providing specialist advice on pension fund management to African charities, the Issue No. 85 is a general advice clinic for those ASOs that would like to take pension fund management seriously to accumulate capital to be paid out as pension for their employees when they retire at the end of their careers.

To get inside scoop on the Issue No. 85 or to reserve a copy before its publication, please contact CENFACS.

 

 

• Financial Plan Updates for Households – In Focus from Wednesday 11/09/2024: Household Investment Planning

 

Our 4-series of Financial Plan Updates for Households carries on this week as we are looking into the second serial of these updates, which is on Household Investment Planning.  Before going any further, let us explain the meaning of investment planning.

 

• • What Is Investment Planning?

 

According to the blog on ‘jupiter.money’ (3),

“Investment planning is the process of identifying your financial goals and devising a strategy to achieve them.  It involves aligning your goals with your financial resources and risk profile to find the best investment products that suit you”.

In simple terms, it is a strategy to make your money work for you and grow your money.  It is a component of financial planning. Rich or poor, many households may need to develop a process or a future plan to grow their money.  However, economic conditions and their own personal circumstances do change.  This change can affect their investment plans.  Because of that, they may need to update their investment planning in the light of changing conditions and circumstances.

There are financial literate households having the capacity to update their investment plans.  There are other ones not having this capacity and experiencing challenges to update their investments.  For the latter ones, they can work with CENFACS, if they want, to navigate ways of redeveloping and renewing their investment plans as well as executing them.

 

• • Working with the Community on Investment Planning

 

Working with households to get their investment planning get organised or renewed include the following:

 

σ needs assessment of their financial situation and investment plan update

σ determination and review of their financial goals and investment plan if they have one

σ assessing their risk tolerance and appetite

σ exploring different investment options or horizons according to their household financial situation

σ determination their asset allocation in relation to asset classes (e.g., equity, debt, gold, real estate, green bonds and government securities)

σ building their investment portfolio

σ dealing with investment diversification (spreading investments across asset classes)

σ monitoring and evaluation of their investment portfolios

etc.

 

Additionally, we can look at the impact of different scenarios of economic events, difficult economic situations (e.g., downturns) and the volatility of capital markets on their investment planning.  In the light of this information, we can work together to update their investment plan.

Those who may be interested in updating their Investment Plan can contact CENFACS for further details.

If you need support with your Investment Plan Updates, please do not hesitate to communicate with CENFACS.

 

Extra Messages

 

• Brown Spaces-focused Note from Wednesday 11/09/2024: The Elimination of Health and Safety Hazards

• Summer 2024 Reporting in Your Own Words, Numbers, Voices and Information Graphics

• Taking Climate Protection and Stake for African Children at the Implementation Level with Initial Implementation Sub-phase (Phase 3.3): Stocktaking Activity on COP28 and Discussion on Plans for COP29

 

 

Brown Spaces-focused Note from Wednesday 11/09/2024: The Elimination of Health and Safety Hazards

 

The second note of the Redevelopment of Brown Spaces is about the health and safety benefits of the Redevelopment Brown Spaces.  It deals with healthier and cleaner environment relating to the Redevelopment of Brown Spaces after clean-up.

The note shows that there is a need to make sure that the Redevelopment of Brown Spaces reduce or better eliminate health or environmental threats to neighbourhoods.  Before going any further, it is better to clarify what health and safety hazards are.

 

• • What Are Health and Safety Hazards?

 

Health hazards can be explained in many ways.  One of its definitions comes from ‘publichealthontario.ca’ (4) which states that

“Health hazards are chemical, physical or biological factors in our environment that can have negative impacts on our short- or long-term health”.

As to safety hazards, Chris Park (5) explains that

“Safety is freedom from danger or risk” (p. 391)

The same Park says that

“Hazard is a source of danger or disruption” (p. 206)

So, safety hazard is freedom from source of danger or disruption or risk.  There should be any health and safety hazards in any Redevelopment of Brown Spaces.  There are benefits deriving from  Redeveloped Brown Spaces without health and safety hazards.  They can improve mood like green spaces do, as well as enhance mental health.

Additionally, there are studies about the association between depression and brownness.  These studies, like the one conducted by Nazif-Munoz et al. (6) show that a brown environment can affect cognition and mental health.  Nazif-Munoz et al. conclude that

“Greater presence of brown space in neighbourhoods embedded in desert-like environments may be associated with lower levels of depression, when controlling for individual level confounders”.

Arid pervious natural settings without vegetation (or brownness) can impact health.

After the clean-up process, there is a need to ensure that the Redevelopment of Brown Spaces does not bring injuries, liabilities or additional hazards.  It does not pose any health and safety risks to the community.  It also means working with the community so that it can be aware of any health and safety hazards, if any.

 

• • Working with the Community on Health and Safety Issues Linked to the Brown Spaces Redevelopment

 

It is about supporting our community members in the following ways:

 

> how to get involved in any redevelopment of brown  spaces that may affect their lives

> how to provide their comments and feedbacks in a sensible way on health and safety issues that may affect them

> how they can support themselves in face of the redevelopment of brown spaces

> how they can back or not back brown space projects with their favourable or unfavourable opinions

etc.

 

For those of our members who would like to work with us on health and safety issues relating to the redevelopment of brown spaces, they are welcome to work with us.  Amongst those who can work with us are those who have been consulted to give their opinion about a particular redevelopment of brown spaces near where they live.

For those members who would like to share their experience in terms of the health and safety benefits resulting from the redevelopment of brown spaces on their lives; they are also invited to share it with us.

For those who would like to further discuss with us any other matters or insights relating to the the Elimination of Health and Safety Hazards, they should not hesitate to contact CENFACS.

 

 

• Summer 2024 Reporting in Your Own Words, Numbers, Voices and Information Graphics

 

Last week, we started to unlock or unpack our Summer holiday data and to prepare to tell our Summer holiday stories.  This week, we are going further in putting into practice our unlocked or unpacked data in support of Summer experiences or stories.

 

 

• • Summer 2024 Experiences Reporting as an Additional Opportunity

 

From this week until Wednesday the 25th of September 2024, we are simply asking to those who can, to share with us and others their Summer experiences; experiences about what they did during the Summer break and think that it is useful for sharing.

The 2024 Summer Experiences Reporting activity is a further opportunity for reporting, sharing, learning and development for those who have not yet informed us about the outcomes of projects; projects pending for reporting, personal experiences to be shared, lessons to learn and development trends to spot.

 

• • Sharing Development Experiences, Stories, Tales and Reports about Summer 2024

 

As we are nearing the end of Summer 2024, we would like our users. members and supporters as well as those who sympathise with CENFACS’ cause to share with us and others their experiences, stories and reports about the initiatives mentioned below.

 

a) Run, Play and Vote projects (Triple Value Initiatives 2024)

You can feedback the outcomes or Action-Results of your RunPlay and Vote projects.

 

b) Volunteering and Creation Stories

You can also share your volunteering stories with us and others if you did volunteer during the Summer break.

 

c) Summer Programmes: Happiness, Healthiness and  Wellness Projects as well as Appeal Projects

You may prefer to report on your use of Happiness, Healthiness and Wellness projects and your response to our Humanitarian Relief Appeal projects.

 

d) August 2024 Trending Activities

You can as well report on your experience of following the direction of poverty reduction through Aquatic Foods.

 

e) Transitions Year’s Activities/Tasks

As we are in CENFACS’ Transitions Year, we would be more than happier to hear from you any uplifting stories related to this year’s dedication.

 

f) Journal of Happiness, Healthiness and Wellness

You can share the contents of your journal of happiness, healthiness and wellness relating to happy, healthy, good and trustful Summer 2024; as well as help build a better Summer holiday experience.

 

g) Other Experiences and Memorable Stories Reporting

You can feedback on any moving experience or transitionary story you have had during Summer 2024.

 

You can report your experience via e-mail, over phone and through social media networks or channels of communication (e.g., Twitter).

Thank you for supporting us with your Summer 2024 experience, story and report in Your Own Words, Numbers, Voices and Information Graphics.

 

 

• Taking Climate Protection and Stake for African Children at the Implementation Level with Initial Implementation Sub-phase (Phase 3.3): Stocktaking Activity on COP28 and Discussion on Plans for COP29 

 

Under the Initial Implementation sub-phase (phase 3.3) of Taking Climate Protection and Stake for African Children at the Implementation Level (TCPSACI), we are continuing our preparations to follow COP29 (7) which will be convened in Baku, Azerbaijan.  The slogan for this follow-up is: Baku Implements It for Children!

In the lead-up to COP29 to be convened in Baku, Azerbaijan, from 11 to 22 November 2024, we are carrying two activities/exercises:

 

1) Stocktaking exercise on what was agreed at COP28 in Dubai

2) Discussion on some of the key points made at Bonn climate session (8) in June 2024.

 

• • Stocktaking of What Was Agreed or Discussed at COP28 in Dubai

 

Amongst the points to be revisited or assessed are the following ones:

 

σ Call on parties to transition away from fossil fuels in energy systems to achieve net zero by 2050

σ The operationalisation of the work programme on just transition pathways

σ The adoption of a framework for implementing the Global Goal on Adaptation (GGA)

σ The establishment of a new work programme on indicators for measuring progress towards the targets defined in the GGA framework.

 

The revisit or assessment of the above-mentioned points will be about how they could contribute to our key demand of the protection of children and future generations from adverse climate change impacts.

 

• • Discussion on Some of the Key Points Made at Bonn Climate Session

 

Our discussion will deal with the following matters:

 

σ The new Collective Quantified Goal on Climate Finance to be decided at COP29

σ How to reduce the burden of climate debt to be passed on to future generations

σ A global climate-smart food system to reduce food insecurity and poverty

σ New Nationally Determined Contributions to be submitted by all Parties to the Paris Agreement

σ Energy transition goals agreed in Dubai.

 

The above points for discussion will be looked if they fit into our climate demand of giving a stake to children and future generations.

To join in the stocktaking and discussion activities/exercises, and to support CENFACS’ TCPSACI and its sub-phase 3.3, please contact CENFACS.

 

 

Message in French (Message en français)

 

• À paraître cet automne 2024: Le 85e numéro du FACS qui s’intitulera ‘Gestion des Fonds de Pension et Réduction de la Pauvreté par les Charités Africaines’

À l’instar de leurs homologues des autres régions du monde, les organisations caritatives africaines peuvent accumuler du capital sous forme de pension pour leurs employé(e)s qui leur seront versé(e)s à la retraite.  Cependant, la possibilité de cette accumulation dépend des pratiques et de l’histoire de la gestion des fonds de pension en Afrique.

Historiquement et pratiquement, les actifs des retraites par rapport au Produit Intérieur Brut restent inférieurs à 60% en moyenne dans la plupart des pays africains.  A cet égard, Bright Africa (2) note que

«Conformément aux tendances mondiales, la plupart des revenus de retraite en Afrique sont financés par les gouvernements, mais la couverture des retraites sur le continent reste faible par rapport au reste du monde».

Cette faiblesse des actifs de retraite peut être un problème à la fois de gestion des fonds de pension et de réduction de la pauvreté des personnes âgées.  Néanmoins, cette faiblesse envoie un message clair aux organisations caritatives africaines et à leurs gestionnaires de fonds de pension dans le domaine de la gestion des fonds de pension concernant le soutien dans les plans de retraite qu’elles peuvent apporter à leurs employé(e)s, en particulier les plus pauvres.  Cette faiblesse est également au centre du 85e numéro du FACS.

Le numéro 85 traitera de la gestion des fonds de pension assurée par les organisations caritatives africaines, en particulier celles qui travaillent avec le CENFACS – Organisations Sœurs  basées en Afrique (OSA).  Essentiellement, il se concentrera sur la pratique de la gestion des fonds de pension effectuée par les OSA.

Bien qu’il s’agisse de la pratique, il examinera également les théories de la gestion des fonds de pension.  En particulier, il examinera à la fois la théorie financière des régimes de retraite à prestations définies et celle des régimes de retraite à cotisations définies.  Il s’agira de réconcilier ces théories avec les pratiques puisque la connaissance d’une théorie particulière peut conduire à de meilleurs choix en termes d’options d’investissement.

Le 85e numéro mettra principalement l’accent sur les régimes de retraite basés sur les OSA et les régimes à cotisations définies, tout en examinant les risques de financement des retraites en Afrique.  Un exemple de risque de financement des retraites pourrait être l’insuffisance des versements de cotisations aux régimes, comme cela s’est produit pendant la crise du coronavirus.

Le 85e numéro présentera des propositions et explorera les raisons pour lesquelles les OSA peuvent influencer le débat et la pratique de la gestion des fonds de pension en Afrique.  Par exemple, les propositions et les explorations porteront sur les moyens d’améliorer la gestion des fonds de pension afin que les employé(e)s pauvres du secteur caritatif et d’autres retraité(e)s pauvres (comme ceux/celles du secteur informel) puissent ressentir la véritable différence utile dans leur temps de retraite.

Sans fournir de conseils spécialisés sur la gestion des fonds de pension aux organisations caritatives africaines, le numéro 85 est une clinique de conseil général pour les OSA qui souhaitent prendre au sérieux la gestion des fonds de pension afin d’accumuler un capital à verser à titre de pension pour leurs employé(e)s lorsqu’ils/elles prendront leur retraite en fin de carrière.

Pour en savoir plus sur le numéro 85 ou pour en réserver un exemplaire avant sa publication, veuillez communiquer avec le CENFACS.

 

 

Main Development

 

Reduction of Back-to-school Poverty to Improve the Quality of Life

In order to approach back-to-school poverty and the improvement in the quality of life, the following items will be considered:

 

∝ Back-to-school Challenge

∝ Back-to-school Disrupted by the Enduring Cost-of-living Crisis

∝ Back-to-school Poverty

∝ Back-to-school Support at CENFACS with Back-to-school Clinics

∝ Back-to-school Budget Adjusted for Inflation 

∝ Extra Investment Linked to Back-to-school Preparation and Children’s Education 

∝ Back to School is NOT a One-day Event 

∝ Go Net Zero in Your Approach to Back to school

∝ Improving Quality of Life.

 

Let us summarise each of these elements explaining our way of approaching back-to-school poverty reduction.

 

• • Back-to-school Time as a Challenging Period for a Basic Human Right and a Deserving Cause

 

For some, back to school/college is a normal time to prepare and do normal purchase whether it is for school uniforms or books or even any other school items.  However, for those who are struggling to make ends meet, back-to-school time could be a very challenging moment as they may not always have enough financial resources or support to cope with the requirements of the start of the new school year.  Yet, education is a basic human right and a deserving need for children and all society.

Back to school/college for the poor is characterised by the following:

 

∝ The struggle to afford the educational costs linked to school/college

∝ The inability to meet basic life-sustaining needs (including of education, food, fuel, shelter, skills development, clothes, bedding, etc.)

∝ Deprivation of cleaning and disinfecting household items

∝ The financial inability for children to access after school clubs 

∝ The lack of resources to deal with hygiene poverty 

∝ The lack of or poor access to internet broadband

Etc.

 

This year’s back to school/college is still painful as the cost-of-living crisis is posing disruptions to many low-income or poor families and households.  Already, many of them have been struggling to come out of the legacies of the recent crises.  Now, this struggle has increased with the enduring cost-of-living crisis, which still is complicating and disrupting the back-to-school organisation as well as the start of academic year for most of these families and households.

 

• • Back to School Disrupted by the Enduring Cost-of-living Crisis

 

The rise in the prices of food, energy, water, rent and other basic necessities of life can only bring a lot of pain for those who are already struggling to make ends meet.  Back-to-school preparation and delivery are not exempted by this pain.

Back to school has been disrupted in many aspects and respects because educational life is linked to the satisfaction of other life-sustaining needs.  This is because without food, energy, water, home, hygiene, transport and health; all operation of back to school and even afterwards can be jeopardised.

If there is any help to cover some of the costs of back to school, it would be great if this help could make up the difference linked to the cost-of-living crisis.  Otherwise, the needs relating to back to school would not be met.  Failing to meet those needs could even be worse where there is a situation of back-to-school poverty.

 

• • Back-to-school Poverty

 

As we defined it in our last post (9), Back-to-school poverty is the inability to afford the educational requirements of the start of the new school year.  But how do we measure it?

 

 

• • • Indicators of back-to-school poverty

 

The following cases can indicate that there could be a situation of back-to-school poverty and hardships:

 

∝ If parents or carers of children going back to school do not have enough money or support to cover the expenses linked to back to school

∝ If households spend more than a certain percentage (let say 40 to 50 percent) of their incomes in back-to-school preparation and delivery compared to other items in their budget

∝ If households borrow money to cover expenses relating to back-to-school preparation and delivery

∝ If back-to-school expenses fiercely competing against other living expenses in household budgets.

 

Not having enough money, spending more in back-to-school expenses compared to other household expenses and borrowing money to prepare back to school for children are all indicators of back-to-school poverty and hardships.  When this type of poverty or hardship is intense and deep, it is even a serious problem.  There could be more indicators than the above mentioned.

These indicators (like household expenditure on back-to-school preparations), if they are not good, can express the inability for parents and carers to meet the basic life-sustaining needs of education for their children in terms of purchasing school items (such as uniforms, clothes, books, electronics, etc.) and providing the basic infrastructures and necessities (whether it is at home or outside) to support the education and learning of their children.

This incapacity can include other expenses that compete against or with educational materials; expenses that are school fees, living expenses to start a new school year, transport cost to travel to schools, food, a place to study at home, family relocation, adequate meal to study, a proper bed to sleep well, basic healthcare and hygiene at home, etc.

 

• • • Back to school for families and parents living in poverty

 

Families and parents living in poverty or on a tight family budget may not be able to afford these additional expenses budget.  They are forced to currently deal with two types of poverty: back-to-school poverty and hygiene poverty.

The first type of poverty is related to the start of the new school year whereas the second is caused by the lack of hygiene.

Since we have already considered back-to-school poverty, we are going to only explain hygiene poverty.

 

• • • • Explaining hygiene poverty

 

To elucidate hygiene poverty, we are referring to what ‘povertyimpactnetwork.com’ (10) argues about that which is:

“Hygiene poverty is an inability to afford everyday hygiene products, such as shampoo, toilet paper, grooming products, dish soap, etc.”

On the website ‘povertyimpactnetwork.com’, it is further stated that

“Children who grow up in hygiene poverty households can struggle to end the cycle of poverty through successful employment after starting life on rocky ground”.

There could be support for them for some of the vital educational and hygiene needs to be met; just as there is no support for others.

 

 

• • Back-to-school Support at CENFACS with Back-to-school Clinics

 

Any type of poverty needs response.  As far as CENFACS is concerned, we can support those falling into back-to-school poverty trap by providing advice through our advisory package under the back-to-relief programme and campaign.  This package includes services such as advice, advocacy, information, guidance, signposting, referrals, etc.

During the coronavirus pandemic, we enhanced health and safety aspects in this programme.  In 2022, we included in this programme the advice service for the impacted of the cost-of-living crisis.  In 2023, we set up Back-to-school Clinics.  This year, we have added Measures of Quality of Life via ‘Surgeries for Improving Quality of Life’ to our Clinics.

Although our support to fight both back-to-school poverty and the cost-of-living poverty is small and limited, it can nevertheless help beneficiaries to get something and keep moving towards of a BIG relief.

Our Back-to-school Support or Clinics can be accessed as follows:

 

√ Virtually and in-person on a one-to-one basis or as a group

√ Over phone 

√ Via e-mail 

√ and by filling the contact form on our website saying the type of support you need.

 

Where beneficiaries have access to video technology, we can arrange a meeting via a video scream.

Where in-person meeting with beneficiaries is the preferred or unavoidable option, an appointment needs to be made for this meeting to happen.  Also, extra precautionary health and safety measures will be taken before the advice can happen.

To seek advice or support regarding your back-to-school poverty or hardships, please contact CENFACS.  To enquire about Surgeries for Improving Quality of Life, please also communicate with CENFACS.

 

 

 

• • Back-to-school Budget Adjusted for Inflation 

 

The 2024/2025 Back-to-school Budget would include the cost-of-living crisis for many parents and families as they have to cost and integrate the rise in the costs of living into the educational budget of their children.  They are forced to do so since the costs of living are still higher despite some falls in inflation.  Their budget is also that of building forward from the lingering effects of the cost-of-living crisis.

For those parents and families who are struggling to write their back-to-school budget, we can help them to do that.  We can as well advise on some of the aspects related to the back-to-school budget preparation and delivery.  Furthermore, we can lead them to specific advice services related to back-to-school matters.

For those parents and families who are executing their back-to-school budget, but they are struggling in this execution; we can review their budget downwards or upwards depending on the case.

For those parents and families who have already executed their back-to-school budget, but they need monitoring and evaluation for learning and development purpose; we can as well help.

To seek advice or support regarding your back-to-school budget, please contact CENFACS.

 

• • Extra Investment Linked to Back-to-school Preparation and Children’s Education 

 

There are some levels of investment that parents and families may have to do to keep the education of their children to an internationally agreed standard.  They may have to proceed with the following initiatives:

 

 Invest in distance learning technologies (such as tablets, laptops, mobile phones, etc.)

 Improve their access to internet and broadband supplies

 Reorganise space at home to create an office-like desk environment for remote learning and video calling for the educational purpose of their children

∝ Find money and budget for children’s access to after school activities

 Improve or upgrade existing home infrastructures for e-education.

 

All these types of investment will create additional costs in the back-to-school plans, although some of these costs will not be at the start of the school.  Unfortunately, many poor families would struggle to meet this extra investment.

 

• • Back to School is NOT a One-day Event 

 

Back to school is not a one-day event of the day children going back to school.  Back-to-school expenses and needs can last longer until parents and carers are able to complete the expenses relating to the return of their children to school and their stay at school, until children are settled in their school.

For poor families and parents, it is even more difficult for them to keep the educational level of their children to a good standard unless they get financial support to their back-to-school budget.  Only a few of them are able to complete the requirements of back to school on time.  Many of them would not have other choice than to spread back-to-school expenses over months in order to complete the back-to-school plan and requirements.

 

• • Go Net Zero in Your Back-to-school Approach

  

Back to school in 2024 is also subject to the requirements of greenhouse gas emissions reduction goals and targets as well as clean environment.  It means that for parents and children whether well-off or less well-off, they need to make sure they take an eco-friendly path in the back-to-school preparation and delivery.  This path will contribute to a better quality of life for their children and the rest of the society.

In climate terms, it connotes going net zero.  What is net zero?

The Institute for Government (11) argues that

“Net zero refers to achieving a balance between the amount of greenhouse gas emissions produced and the amount removed from the atmosphere. There are two different routes to achieving net zero, which work in tandem: reducing existing emissions and actively removing greenhouse gases”.

In practical terms, it signifies that in parents’ and carers’ preparation and delivery of back to school, there should be a zero-waste consumption, recycling items, following the principles of circular economic model, avoiding depleting the environment, etc.  Likewise, in their approach to reduce back-to-school poverty, it is better for them to adopt nature-based solutions to back-to-school poverty; solutions that do not adversely affect the nature and environment.  These solutions will improve the quality of life and the environment.

 

 

• • Improving Quality of Life

 

As said in the Key Messages, the reduction of back-to-school poverty should not be the end of road or an end itself.  We need to go far in way of working with the back-to-school poor so that they can improve the quality of their life. 

There are many constructs relating to improving the quality of life.  To work with the back-to-school poor, we shall refer to the capability approach as theorised by Armathya Sen (12).  This approach is also found in the Oxford Dictionary of Sociology (13) in these terms:

“Capability approach suggests that the quality of life each person leads correspond to the freedom that he or she has to live one kind of life rather than another.  This is reflected in the combination of doings and beings (‘functionings’) that are possible, ranging from elementary matters such as being properly nourished and healthy, through to much more complex functionings such as having self-respect, preserving human dignity, and taking part in the life of the wider community” (p. 619)

For example, ‘verywellmind.com’ (14) explains that

“Healthy relationships, adequate sleep, and regular physical activity can all contribute to an improved quality of life.  A person can also improve life quality by finding meaning in their work, resolving energy drains, and making time for things they like to do”.

The same ‘verywellmind.com (15) adds the following in terms of building resilience and coping strategies relating to back to school:

“Transition periods can be overwhelming for parents; building resilience and adopting effective coping strategies can make a significant difference in navigating the challenges of the back-to-school period.  Practising self-care can be an effective way to reduce stress and improve quality of life”.

Sarah Sperber (op. cit.) goes further by arguing that

“The US News and World Report determined their list of the quality of life for countries based on the following categories: affordable, a good job market, economically stable family friendly, income equality, politically stable, safe, well-developed public education system and well health system”.

Although US News and World Report speak about countries, countries are made and built by human beings.  Therefore, all these indicators of the quality of life are related to or represent human beings.  Improving the quality of life is thus enhancing these indicators for the back-to-school poor if one wants to go beyond back-to-school poverty reduction.

For example, ending the psychological toll of the financial difficulties that families of back-to-school poor children are facing can provide the signs of improving the quality of life, especially but not exclusively, for those families with children struggling with the cost of going back to school.

These approaches to improving the quality of life provides CENFACS the opportunity to develop its own approach and agenda in working with the back-to-school poor and families.  We shall be working with them via Surgeries for Improving Quality of Life.

 

• • • Surgeries for Improving Quality of Life

 

S4IQoL are a set time during which CENFACS can be consulted by its members and members of sister communities on issues relating to improving the quality of life.  S4IQoL will be held during CENFACS’ Back-to-school Clinics hours.  S4IQoL deal with measures relating to needs and resources of the back-to-school poor and their families.

In particular, S4IQoL cover a spectrum of measures or issues relating to health and access to healthcare, employment and working conditions, education and skills development, housing, security of life and property, environment and nature, recreation and culture, economic resources (like income, wealth, property and other assets).  These measures are designed to support the back-to-school poor families beyond the need of back-to-school poverty reduction.

The above is our message for reducing back-to-school poverty and hardships as well as improving quality of life.

To support CENFACS’ sustainable development initiative relating to back-to-school poverty reduction to improve the quality of life, please also contact CENFACS.

_________

 

 References

 

(1) https://www.berkeleywellbeing.com/quality-of-life.html (accessed in September 2024)

(2) https://www.brightafrica.riscura.com/sources-of-capital-on-the-continent/pension-funds/africas-pension-fund-assets/# (accessed in September 2024)

(3) https://jupiter.money/blog/investment-planning (accessed in September 2024)

(4) https://publichealthontario.ca/en/Health-Topics/Environment (accessed in September 2024)

(5) Park, C. (2011), Oxford Dictionary of Environment and Conservation, Oxford University Press, Oxford & New York  

(6) Nazif-Munoz  H, Cedeno Laurent J G, Browning M, Spengler J, Olvera Alvarez HA. Green, Brown, and Gray: Associations between Different Measurements of Land Patterns and Depression among Nursing Students in El Paso, Texas. Int.-Environ Res Public Health.2020 No. 4; 17(21): 8146. doi: 10.3390/ijerph 17218146. PMID: 33158170; PMCID: PMC7662514 

(7) https://cop29.az (accessed in September 2024)

(8) https://climate.ec.europa.eu/news-your-voice/news/baku-bonn-un-climate-change-conference-2024-06-14_en (accessed in September 2024) 

(9) cenfacs.org.uk/blog/September04, 2024 (accessed in September 2024)

(10) https://www.povertyimpactnetwork.com/blog/hygiene-poverty/what-is-hygiene-poverty# (accessed in September 2023)

(11) https://www.instituteforgovernment.org.uk/explainers/net-zero-target (accessed in September 2023)

(12) Jacobson, T. & Chang, L. (2019), Sen’s Capabilities Approach and the Measurement of Communication Outcomes in Journal of Information Policy. 9:111-131, available at https://doi.org/10.5325/jinfopoli.9.2019.0111 (accessed in August 2024) 

(13) Oxford Dictionary of Sociology (2009), eds. Scott, J. & Marshall, G., Oxford University Press, Oxford & New York

(14) https://www.verywellmind.com/how-to-maintain-a-high-quality-of-life-3144723# (accessed in September 2024)

(15) https://www.verywellmind.com/getting-through-back-to-school-stress-free-8702279# (accessed in September 2024)

_________

 

 Help CENFACS Keep the Poverty Relief Work Going This Year

 

We do our work on a very small budget and on a voluntary basis.  Making a donation will show us you value our work and support CENFACS’ work, which is currently offered as a free service.

One could also consider a recurring donation to CENFACS in the future.

Additionally, we would like to inform you that planned gifting is always an option for giving at CENFACS.  Likewise, CENFACS accepts matching gifts from companies running a gift-matching programme.

Donate to support CENFACS!

FOR ONLY £1, YOU CAN SUPPORT CENFACS AND CENFACS’ NOBLE AND BEAUTIFUL CAUSES OF POVERTY REDUCTION.

JUST GO TO: Support Causes – (cenfacs.org.uk)

Thank you for visiting CENFACS website and reading this post.

Thank you as well to those who made or make comments about our weekly posts.

We look forward to receiving your regular visits and continuing support throughout 2024 and beyond.

With many thanks.

 

Back-to-relief Programme 2024

Welcome to CENFACS’ Online Diary!

04 September 2024

 

Post No. 368

 

 

Welcome back Message

 

Before starting the contents of the blog and post of this first Wednesday of September 2024, we would like to welcome back all those who are returning this month.

We are welcoming back the following:

∝ Our users, project beneficiaries supporters, members, representatives of Africa-based Sister Organisations, audiences and other stakeholders who came back from Summer break and school holiday

∝ Those who are or have been working during the Summertime

∝ Those who lost touch with us for various reasons and would like to come back.

This welcoming back message also applies to those using or helping or supporting our UK and Africa Development programmes.

 

Welcome back to all of you for a happy, healthy and good return! 

 

 

The Week’s Contents

 

• Back-to-relief Programme 2024: Programme for Pre-autumn Season 2024

• Goal of the Month: Reduction of Back-to-school Poverty in 2024

• Activity/Task 9 of the Transitions (‘t’) Year and Project: Guide People Who Are Transitioning

… And much more!

 

 

Key Messages

 

The key message from our weekly communication and menu, which is often made of three courses, is as follows.

 

• Back-to-relief Programme 2024: Programme for Pre-autumn Season 2024

 

To smooth the understanding of this key message, let us briefly explain back-to-relief programme, September as advice- and guidance-giving month within CENFACS, the particularity of this year’s programme, the potential beneficiaries of this programme, and the possible needs of these beneficiaries.

 

• • What Is Back-to-relief Programme?

 

Back-to-relief Programme is a set of related activities and services with an aim of reducing poverty (particularly back-to-school poverty but not exclusively) amongst multi-dimensional poor children, young and families (MDPCYPFs) by working with them to meet their needs after summer break and/or school holiday so that they can start September 2024 without or with less hardship.

The programme is made of a number of supportive elements like the following:

Capacity and skills development, advice, advocacy, translation, information, guidance, support to child educational needs in Africa, signposting, etc. 

The programme is generally run around September and can be extended to October depending on the needs and demand in the community and available resources.

 

 

• • September: Advice- and Guidance-giving Month

 

We run Advice service as part of our activities throughout the year.  However, Advice is CENFACS’ main theme in September and in the back-to-school season.  Because of that, it is more pronounced in September and the back-to-school season compared to other months of the year.  In other words, we invest more resources in advice in September than at any other times of the year.

We provide generalist advice to both individuals and organisations as mentioned above.  We also give specialist advice on matters relating to the fields of poverty reduction and Africa’s development.

Where both individuals and organisations need specialist advice in other matters than poverty reduction or Africa’s development, we guide them.  We can as well signpost beneficiaries to other organisations/individuals providing specialist advice if beneficiaries’ request for advice is beyond or outside our advice capacity and resources.

Advice and Guidance can be given in the context of Back-to-Relief Programme and outside this context.  When Advice and Guidance are given in the context of Back-to-Relief Programme, they become constituent part of this programme like other elements making this programme.

The programme is particular in its kind as it targets certain types of returnees and what these returnees may need.

 

• • The Particularity of This Year’s Programme

 

The Back-to-relief 2024 programme is designed to include the needs of these returnees.  It is also conceptualised to anticipate any changes of economic situation.

Our Back-to-relief 2024 programme will be delivered in the current context of the UK economy; context in which the current bank rate is 5% (1), the consumer prices index including owner occupiers’ housing costs rose by 3.1% (2) and the rise of 10% on average (3) from 1 October 2024 for the price to be paid for gas and electricity by most households.

These three indicators (that is, the bank rate, consumer prices index and energy price) affect or will affect the real household disposable income and the cost of living.  The latter is still higher at the moment.  Besides that, we shall factorise in this programme other events (like the lingering effects of the polycrises, changing climate, etc.).  This year’s programme has been specifically designed to take account of these indicators.

 

• • Types of Returnees Who May Need This Year’s Programme

 

At the end of this Summer 2024 and during this September, we may have three types of returnees, who are:

 

√ MDPCYPFs who already planned what they want to do and how they will continue to manage the above-mentioned indicators and their other aspects of life

√ MDPCYPFs who already planned their start of September and the end of Summer 2024, but they may need some help to carry on with their plan or family project

√ MDPCYPFs who could not plan because they could be overwhelmed by the impact of these factors/indicators or poverty and may need advice or guidance in terms of coping strategies during this September

√ MDPCYPFs struggling with back-to-school transitions and change from Summer holiday to school return

√ MDPCYPFs who need transitionary skills and transitioning back-to-school programme to adjust to life cycle transition.

 

• • What These Returnees May Need

 

Because we are dealing with MDPCYPFs, who are supposed to be poor or in need, they could ask for some support in the form of information, advice and guidance to cope or manage their transition problems.

They could even require further advisory support during this September as many of them would face the pressure linked to the end of Summer and the start of Autumn, in particular those families having to deal with the financial pressure of the start of the new academic year for their children.

They need advice and guidance to cope with poverty in which they are already living, to deal with the on-going cost-of-living crisis and the financial pressure to send back to school their children for those having children at schooling age.  This is why we have assembled and blended activities and services (that is; the Back-to-relief Programme) to work with them.

For more details on CENFACS’ Back-to-relief Programme, please read the details under Main Development section of this post.

 

• Goal of the Month: Reduction of Back-to-school Poverty in 2024

 

Our goal for the month of September 2024 is the reduction of back-to-school poverty.  To deliver this goal, we need to understand it and work with those who may likely experience back-to-school poverty.

 

• • What Is Back-to-school Poverty?

 

Back-to-school poverty is the inability to afford the educational requirements of the start of the new school year.  It is the incapability or incapacity for parents and carers to meet the basic life-sustaining needs of the education for their children in terms of purchasing school items (such as uniforms, clothes, books, electronics, etc.) and providing the basic infrastructures and necessities (whether it is at home or outside) to support the education of their children.

This incapacity can include other expenses that compete against or with educational materials; expenses that are school fees, living expenses to start a new school year, transport cost to travel to schools, food, a place to study at home, family relocation, adequate meal to study, a proper bed to sleep well, health costs, basic healthcare and hygiene at home, etc.

As Walden University (4) puts it,

“It [poverty] pervades multiple areas of life – and for parents whose income is below the poverty line, it often means sending their children to school hungry, along with other disadvantages, both academic and otherwise”.

For back-to-school poor children, back-to-school poverty or deprivations could be their inability to cope with changes, new routines and meeting new people.

Back-to-school poverty can be tackled.  This is why during this September we will be working with those suffering or may suffer from back-to-school poverty so that they can find the tools and means to navigate their way out of this type of poverty.

 

• • Back-to-school Clinics to Help Tackle Back-to-school Poverty

 

CENFACS does not provide money to tackle back-to-school povertyCENFACS can however work with parents of children going back to school in sessions whereby they can have social prescription or the tools to transition or navigate their way out of the back-to-school poverty.

CENFACS can work with the community through its advice service and other services so that the members of its community can find their way out of this type of poverty.  Particularly and specifically, CENFACS’ Back-to-school Clinics can work with them to tackle back-to-school poverty or deprivations in the following ways:

 

√ Reducing the competition between living expenses and educational expenses within the household budget coverage

√ Exploring potential supporters to help them with educational costs for their children education

√ Budgeting with them their living expenses for a better start of the academic year

√ Examining together any issues relating to transport cost to travel to schools or places of education while advising them on net zero CO2 emitting means of transport

√ Discussing ways of saving on energy use, food and meals relating to educational purposes

√ Looking into school catchment area for those looking for a place to study

√ Working on a feasible and realistic plan when studying at home

√ Re-examining back-to-school spending and income budgets for households

√ Supporting family relocation matters (e.g., accommodation in the vicinity of schools and working places for parents)

√ Working with them to tackle hygiene poverty and learning poverty to keep children better engaged with their education and learning

√ Managing transitionary changes from the Summer schedule and routines to the school schedule

Etc.

 

The above is our poverty reduction goal for this month, which is part of our back-to-school campaign and which we are asking to our audiences and supporters to help or promote.

 

 

• Activity/Task 9 of the Transitions (‘t’) Year and Project: Guide People Who Are Transitioning

 

Our Transitions (‘t’) Year and Project has reached its 9th Activity/Task which is ‘Guide People Who Are Transitioning’.

 

• • What This Guidance Activity/Task Is about?

 

This Activity/Task is about guiding and supporting the people with transition problems by providing them practical tips and resources for transitions and change.  It is about leading, directing and showing the way to those who are struggling with transitions and who need help, advice or counselling.

 

• • Supporting This Activity/Task

 

Those who would like to proceed with this activity/task by themselves can go ahead.

Those who would to be part of a working group helping in the realisation of this activity/task can let CENFACS know.

For those who need some help themselves before embarking on this activity/task, they can speak to CENFACS.  To speak to CENFACS, they are required to plan in advance or prepare themselves regarding the issues they would like to raise.

For any other queries and enquiries about the ‘t‘ project and this year’s dedication, please contact CENFACS as well.

 

 

Extra Messages

 

• Financial Plan Updates for Households – In Focus from Wednesday 04/09/2024: Household Financial Action Plan

• Happiness, Healthiness and Wellness Journal – It is time to share the contents of your creative activity

• Unlock Your Summer 2024 Holiday Data and Tell Your Story

 

 

• Financial Plan Updates for Households – In Focus from Wednesday 04/09/2024: Household Financial Action Plan

 

Like any couple who would like to have a baby needs to plan, households too need to plan and update their finances if they want to have a financial security and peace of mind in the future. 

As part of a 4-series of Financial Plan Updates for Households we are working with households making our community and wanting to update their financial plan.  The first serial of these updates is on Household Financial Action Plan.  Before going any further, let us explain the meaning of financial plan.

 

• • What Is a Financial Plan?

 

Financial plan can be defined in many ways.  In this first serial of our Financial Plan Updates for Households, we are referring to the definition given by ‘financestrategists.com’ (5), which argues that

“A financial plan is a written statement of your current financial condition, intended financial state, a timeline for achieving [your financial] goals, and the steps you will take to get there”.

The same ‘financestrategists.com’ explains that

“Your current financial condition is the foundation for all financial planning and the goals you hope to achieve.  It will involve adding up your income, estimating expenses, creating a budget, managing debt load, savings and investment inventory, and the like”.

Although ‘financestrategists.com’ clearly speaks about businesses in their definition of financial plan, their definition can be applied to households with some adjustments.  Indeed, households need to clarify their financial goals and roadmap in the form of plan to indicate where they want go and to be in six months, one year, two years, etc.  As ‘creditkarma.com'(6) puts it,

“With a financial plan, you can start and grow your savings, ensure you are prepared for emergencies, improve your quality of life, and set yourself up for a financially stable future”.

There are households which are skilful enough and capable of writing their own financial plan.  Likewise, there are online resources and platforms that can help in producing financial plan.  There are other households that need some help and support.  Amongst them are the household members of the CENFACS Community.

Because we are also talking about financial action plan, we need to explain what an action plan is.

 

• • What Is an Action Plan?

 

The website ‘vennage.com’ (7) states that

“An action plan is a meticulously structured strategy that pinpoints specific steps, tasks and resources vital to turning a goal into reality… It is the strategic map that outlines every step, decision and pitstop needed to reach your ultimate decision”.

From this definition of action plan, it is possible to argue that a financial action plan is a meticulously structured strategy that applies to one’s finances.  In the design of this strategy, one needs to include the above-mentioned definition of financial plan into their financial action plan.  It is this financial action plan which is the focus of our work with the community this week.

 

• • Working with the Community on Financial Action Plan

 

There are many models of financial planning or steps.  In our plan to work with the community, we are going to use the following model of eight components of financial planning as explained by ‘financestrategists.com’ (op. cit.):

 

1) Financial goals (what households hope to achieve with their money)

2) Net worth statement (a snapshot of their financial health)

3) Cash flow projections (a detailed estimate of their income and expenses)

4) Short-, medium- and long-term budget (a plan of 6 months to 2 years,  2 to 5 years, 5 to 10 years or more  on how they are going to earn and spend their money)

5) Debt management plan (a thought-out arrangement on how they are going to pay their creditors/lenders)

6) Investment plan (a strategy to make their money work for them and grow their money)

7) Insurance plan (a cover for life, health and disability)

8) Retirement plan (assurance that they will have enough money to live on during the retirement).

 

To the above eight points, we can add children’s future planning, education planning, tax planning, etc.  To be consistent with themselves, households need to monitor and review their financial plan.

So, our work with them will be about reviewing their financial plan and updating it in the light and in line with new data in their life circumstances and changing economic climate.  Financial planning will help them deal with economic variables (like inflation, interest rate), contingency emergencies, enjoy a better standard of living, increase their savings, and have a financial peace of mind.  It is finally about getting their finances organised.

Those who may be interested in updating their Financial Action Plan can contact CENFACS for further details.

If you need support with your Financial Plan Updates, please do not hesitate to communicate with CENFACS.

 

 

• Happiness, Healthiness and Wellness Journal – It is time to share the contents of your creative activity

 

After six weeks of journaling, it is time to start sharing the contents of your journal.  Indeed, during the last six weeks of Summer, some of you have been journaling on one of the six predictors that explain happiness and healthiness, which are: income, social support, healthy life expectancy, generosity, freedom, and trust.  They have been also journaling on the components of wellness.

As previously said, the contents of these journals could be shared with the community at the end of Summer 2024 as a Summer memory or souvenir.  Although Summer is not yet over, those who have created their Happiness, Healthiness and Wellness Journal can start to share with the community.  However, in order to share their contents they may need a strategy and tools as well as to monitor their social performance.

 

• • Content Sharing Strategy

 

You need to plan or strategize yourself the way in which you want to share your content. In other words, you need to have a process of or planning and conducting some content sharing tasks.

 

• • Content Sharing Tools

 

You also need implements or instruments to deliver your content to us and others.

For example, if you want to share you content online you can refer to online tools to do it.  Let say you use Twitter.  You can use Twitter feed to share your content to a range of platforms.  You can go online to share your content.  You can use online tools to do it.  You can share it multiple times.  You need to have social sharing plugins on.

 

• • Monitoring Your Social Performance

 

You can monitor your performance in content sharing. 

For example, you can monitor the traffic you get to your posts relating to Happiness, Healthiness and Wellness Journal, whether it is online or offline.

Please share with the community your experience of happy, healthy and good Summer through the contents of your journal to help build a better Summer holiday experience and memory.

 

 

• Unlock Your Summer 2024 Holiday Data and Tell Your Story

 

In our July and August 2024 communications, we asked everybody to store and keep their Summer data so that when we all return in September, we can report back or share parts of our Summer experiences that are shareable and spreadable.

Now some of you are back, we can try to feedback our poverty-reduction and development experiences of using Happiness, Healthiness and Wellness projects and of any other similar activities over the Summer period.  To feedback, you may need ways of unlocking your summer data.

 

• • Ways of Unlocking Your Summer Data

 

To unlock your Summer data, one can proceed with the following:

 

σ Have your holiday records updated, complete and accurate

σ Know where your data is stored or sitting (e.g., mobile phone camera, laptop, tablet, etc.)

σ Extract your data including images from sources where they are stored

σ Use technology or manual means to unlock them

etc.

 

• • What You Can Report Back or Story You Can Tell

 

Apart from the above-mentioned experiences, one can feedback any creations, any other experiences, any community practices and any volunteering stories, if they volunteered, they had over the last two months.

One can report back a personal Summer experience as well.

Likewise, one can combine their Summer journal (about predictors that explain happiness and healthiness) and this reporting back exercise into a single or all-in-one Summer report.

For those who managed to store their Summer data and who would like to share their experiences, this is the time to start unlocking their Summer data and preparing to tell their Summer story.

 

• •  The Good Thing about Sharing Your Experiences

 

Sharing your experiences with us helps to keep the CENFACS Community active, engaged, connected and grow together.  It also contributes in carrying out prescriptive analytics that enables to use smart data discovery capabilities to predict market developments, trends and insights to help relieve or possibly end poverty and hardships within our community and beyond.

Please share your poverty-relieving and development experiences and contents with us; parts of your experiences and contents that you think are shareable and perhaps spreadable.

Should anyone have any concern about data protection issues regarding the sharing of their information, please let CENFACS know.  We will be able to assist.

 

 

Message in French (Message en français)

 

• Examen de la performance financière

Ce qui suit est le récapitulatif de nos encaissements et paiements pour l’exercice se terminant le 30 juin 2024.

Du côté des paiements, les effets persistants du coût de la vie se sont poursuivis.  En raison de ces effets, nos coûts ont augmenté, sauf pour les bénévoles et les comptes de ravitaillement.  Nous avons fourni des rafraîchissements à faible coût et couvert des dépenses très raisonnables pour les bénévoles.

Trois comptes (c’est-à-dire timbres-poste, transports et voyages, et bureaux divers) ont affiché une augmentation énorme.

En ce qui concerne les comptes postaux, nous devions maintenir des moyens d’impliquer nos usagers et les bénéficiaires de projets qui étaient encore attachés au courrier imprimé et papier.  Cependant, le prix de l’affranchissement de première classe d’une lettre pesant de 0 à 100g est passé de 1,25 £ en 2023 à 2,70 £ en 2024. Cette augmentation a eu un impact sur notre compte de timbres-poste.

Concernant les transports et les déplacements, nous avons continué à travailler en mode hybride.  Nous avons continué à investir dans des moyens de travail en ligne et virtuels afin d’améliorer l’efficacité de l’ensemble du CENFACS.  Mais, cela ne nous a pas empêché d’améliorer nos contacts en personne avec les intervenants. Cependant, l’augmentation du prix des transports et des services connexes a entraîné une augmentation de nos transports et de nos déplacements en raison des réunions en personne, du réseautage et du travail de sensibilisation.

Pour ce qui est des articles divers du bureau, nous avons dépensé un montant raisonnable pour répondre aux besoins de l’administration du bureau à la suite des économies que nous avons réalisées l’année précédente sur ce compte.  Ces dépenses diverses de bureau étaient destinées à nous couvrir contre l’incertitude de l’économie.

Les autres comptes qui ont connu une augmentation sont l’impression et la photocopie (54%), la papeterie et les livres (26%), les abonnements informatiques (10%), la téléphonie mobile et l’internet (34%). En effet, pour répondre aux préférences des usagers et aux évolutions technologiques, nous avons dû maintenir un niveau de stock de papeterie relativement adéquat.  Cela nous a permis d’éviter les ruptures de stock.  De même, le prix des cartouches d’encre était plus élevé. Pourtant, les estampes étaient toujours populaires parmi nos utilisateurs.  En outre, les frais d’hébergement Web et de large bande ont été augmentés; ce qui signifie que notre abonnement informatique ne pouvait pas rester le même.

En ce qui a trait à la collecte de fonds et aux recettes, il restait à relever le défi de recueillir les fonds nécessaires pour répondre aux besoins de la communauté.  Cela pourrait s’expliquer en partie par l’effet cumulatif des effets persistants de la crise du coût de la vie et de l’incertitude économique qui a continué à susciter des hésitations ou des réticences à l’égard de nombreux donateurs et bailleurs de fonds individuels.

Nous devons admettre que nous avons encore des demandes de financement pour lesquelles nous n’avons pas encore reçu de réponses de donateurs/bailleurs de fonds/bailleurs de fonds potentiels.  Cela signifie qu’il y a des raisons de croire qu’il est encore possible d’obtenir des réponses positives de leur part ou de générer des fonds.

A propos de fonds de trésorerie, nos fonds de trésorerie ont maintenu leurs tendances ascendantes.  Au cours de l’exercice 2023/2024, nous avons enregistré la même augmentation (12%) que lors de l’exercice 2022/2023.  D’un point de vue comptable, nous avons réussi à augmenter nos recettes par rapport aux paiements, car nos recettes ont presque souligné une augmentation de 12 %.  Nous avons continué à faire des économies sur le budget à l’étranger, les frais de bénévolat, les rafraîchissements, la publicité et l’annonce, la traduction, le matériel et le mobilier de bureau, les bénéficiaires des projets, la recherche et le développement et les coûts de collecte de fonds.  Cette augmentation et les économies réalisées sur les paiements ont donné lieu à un solde net positif de notre compte des recettes et des paiements pour l’exercice.

Nous espérons que le rebond de nos fonds de trésorerie se poursuivra régulièrement et sera même perceptible au cours de l’exercice 2024/2025. Nous pouvons également nous attendre à ce que les fruits de nos efforts de collecte de fonds apparaissent pleinement au cours du nouvel exercice financier (2024/2025) et au-delà.

Nous pouvons nous attendre à ce que les nouvelles politiques gouvernementales en matière de financement des organismes de bienfaisance ouvrent une nouvelle fenêtre de possibilités pour accroître le soutien financier à notre noble et belle cause de la réduction de la pauvreté.

Nous avons hâte que la communauté fasse davantage de dons à mesure que l’économie et la situation financière s’améliorent.

Merci.

 

 

Main Development

 

Back-to-relief Programme 2024: Programme for Pre-autumn Season 2024

 

The following covers our programme for this pre-autumnal season:

 

∝ Back-to-relief Projects

∝ Open Days under Back-to-Relief Programme

∝ Support for Crises-impacted Children in Africa 

∝ Back to the Upkeep of the Nature This September 2024

∝ Back to Advisory Support this September 2024

∝ Back to the Upkeep of the Nature with the Theme of “Brown Spaces”

Brown Spaces-focused Note for Week Beginning 04/09/2024

 

Let us briefly explain these contents.

 

 

• • Back-to-relief Projects 

 

As previously mentioned, most of our projects and programmes are organised to take into account the lives and needs of our beneficiaries, supporters as well.  Some of them will be back this week after Summer break.  They are back for the New Academic Year and New Relief, year for which we have prepared projects and programmes to work with them so that they can meet their existing, challenging, changing and emerging needs – the back-to-relief projects and programmes.

Amongst the back-to-relief projects and programmes, there are these two ones:  Open Days and Support to Children.

 

• • Open Days under Back-to-Relief Programme

 

Since we set up hybrid way of delivering service as a legacy of the coronavirus, we continue to operate virtually/online and in-person.  There are reasons we operate both ways.

One of these reasons is that it is not always easy for people, especially those who have some physical handicaps and parents with small kids, to in-person move and meet service providers if this service provision cannot physically come to them even if the need is pressing.

Where we are in a position to in-person organise the service requested, users can in-person access the given service prior to arranging an appointment.

So, our open days will be both virtual and in-person.  They are virtual days to enable those in need but cannot move physically to access services.  They are in-person for those who prefer in-person open days.  For the latter ones, they need to book an appointment for in-person open day to happen.

 

• • • What are virtual and in-person open days?

 

Virtual and In-person Open Days (VIODs) are days and hours when CENFACS Community members and the members of sister communities can have real chance or taste of poverty reduction experience with CENFACS.  They are part of a back-to-relief initiative or campaign organised by CENFACS during this September 2024 to enable people in need to access our advice service and other similar services in order to reduce or end poverty linked to their situations or conditions of life.

 

• • • How VIODs work

 

Our Virtual Open Day, which will be every Fridays of September 2024, will be held from 10 am to 2 pm.

You can access VODs by contacting CENFACS.

You do not need to register with us.

Every Fridays, you can either email or phone or even text between 10 am and 2 pm.

Our In-person Open Day, which will also be every Fridays of September 2024, will be held from 10 am to 2 pm.   An appointment needs to be booked to have in-person open day.

For more on CENFACS’ Virtual and In-person Open Hours and Days as well as how they work, please contact us.

 

 

• • Support for Crisis-impacted Children in Africa 

 

Another back-to-relief initiative for this September 2024 is Support for Crisis-impacted Children in Africa, particularly the Children of Conflict-stricken and Climate Change-affected Areas of Africa in this September and beyond. The majority of these children may not start school or return to school this September because of the following events:

 

> the outbreak of fighting internally displacing them (like the Eastern part of the Democratic Republic of Congo)

> violence against them as it is happening in the Central Sahel region of Africa

> severe weather conditions (e.g., flooding in Sudan)

> severe acute malnutrition (e.g., in East Africa)

etc.

 

As a result of these events on children not starting or returning to school this September, we shall revisit the following eight humanitarian appeals, which are:

 

Libya-Morocco Joint Influence Appeal

√ Support Children Impacted by Crisis in Africa

√ Giving Hope for the Humanitarian Needy of the Democratic Republic of Congo in 2024

√ Halving Children Poverty in the G5 Sahel

√ Lighting a Blaze of Hope for the Rain-hit and Food Insecure in Chad, Congo and the Democratic Republic of Congo

√ The New Internally Displaced Persons of Insecurity in Eastern Democratic Republic of Congo Need Lighting a Blaze of Hope

√ Burundi’s Flood Victims Ask for Your Aid

√ The Conflict- and Natural Disaster-related Internally Displaced Persons in Africa Need Your Influence Now!

 

These appeals were launched under the Light projects.

The people on whose behalf these appeals were made included children. Children were amongst displaced persons, the victims of conflict, the impacted of natural events and food insecure as part of appeal beneficiaries.

While one can still ask the progress made to save and rebuild these crises-impacted lives, one can also question about the support that the children affected by these crises are receiving and/or received, especially at this challenging time of the pressures of the costs of living.

This questioning is relevant as we are in September when a new school or academic year starts in many parts of the world and of Africa.  This questioning is even founded at this time when many parents will struggle to provide school uniforms and equipment to send their children back to school.

Parents and children have another battle where school infrastructures and buildings were destroyed because of events like wars and natural disasters, or simply occupied as refuges by the war and climate change victims.

These negative effects are even greater for children from poor places in developing countries (like of Africa) where educational opportunities have been denied to many of them regardless of the current global economic situation.

So, during this September we will be working on this back-to-relief initiative to explore ways of keeping education alive for these unfortunate children living in those parts of Africa in crisis.  Through this initiative, we will help get education and learning back on track for these children.

For further details about this initiative, please contact CENFACS.

 

  Back to the Upkeep of the Nature This September 2024

 

September is also the month we resume our advocacy work on the upkeep of the nature.  Normally, this advocacy starts from the protection and care of animals in Africa from illegal killings, extinction and poaching.  In the last week of September 2024, we shall focus on saving endangered fish through our new initiative called ‘Mbisi’ (that is, Maintaining Bagrus In Situ Inhabitation).  It is an advocacy for the endangered fish species.

Mbisi is a new advocacy project planned by CENFACS to help protect critically endangered fish species and keep  them up in their natural habitat in Africa.  Fishes like Bagrus, Boyoma Falls Upside Down Catfish, the Ruwenzori Lampeye, the Line-spotted Ufipa Barb, the Arnegard Electric Fish, the Kunungu Air-Breathing Catfish, African Wedgefish (Rynchobatus Luebbert) and the Angel Squeaker are endangered species because of environmental threats and unregulated fishing activities.

The ‘Mbisi project, which has already kicked off, will help us to advocate for a safe life for fish species.

Another initiative featuring this September 2024 is our advocacy on lands which will be conducted under the theme of “Brown Spaces“.  Brown Spaces take stock of the advocacy on spaces which we worked on since September 2019.

In September 2019, we worked on the Protection of the Oceans (particularly the waters surrounding Africa and the rivers and lakes in Africa).  In September 2020, we carried on with the advocacy on waters through the theme of “Blue Spaces”.  In September 2021, we had a 3-week work on sea level rise as notes for the “Blue Spaces”.  In September 2022, we had three weeks and five days of advocacy work on safe, inclusive and accessible Green spaces.  In September 2023, we continued our space analysis and advocacy with the theme of “Grey Spaces” and space implications for poverty reduction and sustainable development.

This September 2024, we are advocating about Brown Spaces, the redevelopment of these spaces (that is, brown space or brownfield redevelopment).   The notes for this new advocacy which are on “the Redevelopment of Brownfields or Brown Spaces” start from the 4th of September 2024.

To conclude the month, we will have some e-discussions on circular economy.

Briefly, Back to the Upkeep of the Nature this September 2024 will include the “Mbisi advocacy project, access to natural spaces with the theme of “Brown Spaces” and an e-discussion on circular economy (on how to improve circularity inside your household).

 

• • Back to Advisory Support This September 2024

 

As above mentioned, Advice is CENFACS’ main theme for September.  We provide advice to both individuals and organisations.

 

 

• • • Advice Service for Individuals

 

Some of you are aware that most of CENFACS services in the UK are designed to support multi-dimensional poor children, young people and families (CYPFs).  After the summer break, many of them will come back to start their life again.  From September onward, they will go back to school for CYPs and to work and training for parents and guardians. 

They may need or ask for support to restart or look for occupational opportunity or even just resume their routine activity in September.  Their needs could include the following:

 

∝ Finding a new school or a nursery for children

∝ Registration to health services

∝ Finding accommodation or relocating

∝ Accessing training opportunity or employment

∝ Looking for a new occupation to deal with the economic effects of the costs of living 

∝ Finding help to adjust their life after Summer break or any period of inactivity

∝ Looking for direction to overcome the lingering effects of the cost-of-living crisis 

∝ Finding ways of resetting or changing their systems of living

Etc.

 

Besides the above main menu, we shall have Transitioning Back-to-school Programme.  This is a new experiment or experience of working with parents or families who may struggle to manage back-to-school transitions for children suffering from mobility to cope with changes, new routines and meeting new people.

We can provide advisory support to them. Where our capacity is limited, we can refer and/or signpost them to relevant specialist services and organisations to help them meet their needs.

We do it under CENFACS’ Capacity Advice Service which was established since 2004 (through CENFACS’ Capacity Advice and Development project for Croydon’s African and Minority Ethnic People) to help individuals gain various types of help.

 

The types of help we provide include:

 

√ Translation (English to French and vice versa)

√ Interpreting

√ Generalist advice

√ Guidance

√ Signposting

√ Referral

√ Advocacy

Etc.

 

As we are in a digital era, we adapted the provision of the above listed help while still retaining its essence. Three years ago, we introduced leaves in this service to make it Leaves-based Advice Service.

You can contact CENFACS for the range of issues included in this service and to find out if your problem can be dealt with.

Regarding Translation service, we would like to remind everybody that the 30th of September 2024 is the International Translation Day.  For those who need a translation service, they can contact us on the day for translation.  But, they need to let us know at least three days before so that we can include their request in our plan.

 

 

• • • Advice Service for Organisations 

 

The same advice service applies to overseas and Africa-based Sister Organisations. 

Under our international advice service, we can advise them on the following matters:

 

√ Capacity building and development

√ Project planning and development

√ Poverty reduction within the context of Africa Continental Free Trade Area

√ Not-for-profit investment and development

√ Absorption capacity development

√ Fundraising and grant-seeking leads

√ Income generation and streams

√ Sustainable development

√ Not-for-profit investment and impact investing

√ Monitoring and evaluation

Etc. 

 

Again, where our capacity to advise is limited, we can refer and or signpost them to relevant international services and organisations. This advisory support for Africa-based Sister Organisations is throughout the year and constituent part of our work with them.  However, they can take advantage of our advice-giving month to seek further advice on any of the above matters.

To access advice services, please contact CENFACS.  To register for or enquire about advice services, go to www.cenfacs.org.uk/services-activities.

 

 

• • Back to the Upkeep of the Nature with the Theme of “Brown Spaces”

  

The following will help deal with this theme: theme statement and key notes covering this theme.

 

• • • Theme statement 

 

The theme of “Brown Spaces” under the back to the upkeep of the nature (which is part of our back-to-relief programme) is about making the redevelopment of brown spaces benefit from blue and green spaces in a safe, inclusive and accessible way.   It is also about working for this redevelopment of brown spaces brings new opportunities to those in need to reduce poverty and enhance sustainable development.

To help achieve poverty reduction and sustainable development in the redevelopment brown spaces, there could be a need to mainstream conservation and sustainable use of biodiversity, to ensure biodiversity-inclusive urbanisation and to improve the health and well-being of the potential beneficiaries of this redevelopment.

Therefore, we are going to look at how the redevelopment of brown spaces can benefit the people in need.  Before looking at it, let us define brown spaces.

 

• • • What Is a Brown Space?

 

Within the literature about spaces, brown spaces or brownfields are underdeveloped green spaces found in both urban and rural areas.  There are many definitions about these spaces which have a common denominator.

According to ‘gosolve.co.uk’ (8),

“Brownfield land refers to previously developed sites that have become underutilised or abandoned, often due to changing industrial practice or contamination from former use”.

The website ‘safetyculture.com’ (9) takes even a hard line of reasoning to define brownfield as

“A piece of land or property that has been previously used for industrial or commercial purposes and is suspected to have been contaminated, such as soil contamination due to toxic waste.  Put simply, a brownfield is a piece of land that has been contaminated with dangerous substances and may pose a risk to the people who will be using it in the future when it is not properly cleaned up”.

Adversely, the website ‘eli.org’ (10) argues that there could be benefits deriving from the redevelopment of brown spaces.  In particular, ‘eli.org’ explains that

“When owners or developers clean up brownfields and put them to new uses, many people benefit.  Clean ups address environmental problems.  Redevelopment can bring new jobs and higher tax revenues.  Revitalised brownfields can breathe new life into neighbourhoods”.

It is the number of benefits deriving from the redevelopment or clean up of brownfields, in particular but not limited to the poor, which makes the substance of our work on brown spaces and their redevelopment.  To work on them, we have organised ourselves in the manner indicated below.

 

• • • Four key notes to work on Brown Spaces

 

To materialise what we have said above, we have planned four key notes or topics (as shown on the above figure relating to brown space theme) which include:

 

1) The benefits from the redevelopment of Brown Spaces to the community

2) Elimination of health and safety hazards

3) Bringing new opportunities (e.g., jobs into the community, impact investing)

4) Interaction between the redevelopment of Brown Spaces, Blue Spaces, Green Spaces and Grey Spaces in the Process of Poverty Reduction and Sustainable Development.

 

The notes or topics will be the vehicle by which we shall illustrate the central theme or message of the redevelopment of Brown Spaces.   Through these notes, we hope users in their journey with us to undergo change in the long term in the way they approach Brown Spaces.

Let’s now summarise the first note or topic of our September 2024 work on Brown Spaces; note which started from 04 September 2024.

 

 

• • Brown Spaces-focused Note from Wednesday 04/09/2024: The Benefits from the Redevelopment of Brown Spaces to the Community

 

Cleaning up and reusing a site which once was brown one can result in a number of benefits as the literature on brown spaces shows.  What are these benefits?

 

• • • Benefits arising from the Redevelopment of Brown Spaces

 

The literature on the Redevelopment of Brown Spaces provides a number of benefits.  Amongst the benefits, are

 

> the creation of goodwill for the community

> the reduction of the likelihood of contaminated property

> the decrease in liabilities for the environment

> addressing the challenges of growing populations

> dealing with urbanisation issue

> optimization of the use of land

etc.

 

It is this kind of benefits that we are dealing with.

 

• • • Making the redevelopment benefits reach the poor

 

It would be desirable that these benefits go to the poor (for example, a social housing development stemming from the Redevelopment of Brown Spaces benefiting the poor as long as it is safe and healthy for human occupation).  If these benefits do not trickle down to the poor, then there is a problem that needs to be addressed in terms of fair distributional effects resulting from the redevelopment of brownfields or brown spaces.

There is more to argue and prove about the benefits from the Redevelopment of Brown Spaces to the Community.

 

• • • Working with CENFACS Community members to capture the redevelopment benefits

 

What we are interested in here is whether or not these benefits go to the poor, especially our community members.  We are as well interested in the experience that our members had with the redevelopment of Brown Spaces in terms of poverty reduction and sustainable development.

Those of our members living nearby the areas of the redevelopment of brown spaces may or may not know what they can do.  They may not be aware that they could be consulted to provide their opinion about the redevelopment.  They may or may not be informed if there have been health and safety tests on the site.  

By working together with them, they can improve the way they can participate in the decision-making process relating the go-ahead about the redevelopment of brown spacesBy working together, we can identify areas of unmet needs within our community and generate projects or activities to help satisfy those unmet needs.

So, this note will help us to work together with the community members on ways of finding the bases for self-organisation, negotiation, empowerment and providing their opinion in the decision-making process relating to the redevelopment of brown spaces, should they get consulted.

For those of our members who would like to work with us on how they can self-organise, negotiate and empower themselves, they are welcome to work with us.  Amongst those who can work with us are those who have been consulted to give their opinion about a particular redevelopment of brown spaces near where they live.

For those members who would like to share their experience in terms of the benefits resulting from the redevelopment of brown spaces regarding their safety, inclusivity and accessibility to services offered as well as effects on their lives; they are also invited to share it with us.

For those who would like to further discuss with us any other matters or insights relating to the redevelopment of Brown Spaces, they should not hesitate to contact CENFACS.

Finally, those who have any queries and enquiries about this year’s Back-to-relief Programme and Projects 2024, they can let CENFACS know them.

_________

 

 References

 

(1) https://www.bankofengland.co.uk/monetary-policy-summary-and-minutes/2024/august-2024 (accessed in September 2024)

(2) https://www.ons.gov.uk/economy/inflationandpriceindices (accessed in September 2024)

(3) https://www.ofgem.gov.uk/energy-price-cap (accessed in September 2024)

(4) www.waldenu.edu/progressas/education/resource/what-is-poverty-and-what-role-does-it-play-in-our-school (accessed in September 2023)

(5) https://www.financestrategists.com/financial-advisor/financial-plan/ (accessed in September 2024)

(6) https://www.creditkarma.com/financial-planning (accessed in September 2024)

(7) https://vennage.com/blog/action-plan/# (accessed in September 2024)

(8) https://www.gosolve.co.uk/brown-grey-green-field-land-development (accessed in September 2024)

(9) https://www.safetyculture.com/topics/brownfields/ (accessed in September 2024)

(10) https://www.eli.org/brownfields-program/brownfields-basics# (accessed in September 2024)

 

_________

 

 Help CENFACS Keep the Poverty Relief Work Going This Year

 

We do our work on a very small budget and on a voluntary basis.  Making a donation will show us you value our work and support CENFACS’ work, which is currently offered as a free service.

One could also consider a recurring donation to CENFACS in the future.

Additionally, we would like to inform you that planned gifting is always an option for giving at CENFACS.  Likewise, CENFACS accepts matching gifts from companies running a gift-matching programme.

Donate to support CENFACS!

FOR ONLY £1, YOU CAN SUPPORT CENFACS AND CENFACS’ NOBLE AND BEAUTIFUL CAUSES OF POVERTY REDUCTION.

JUST GO TO: Support Causes – (cenfacs.org.uk)

Thank you for visiting CENFACS website and reading this post.

Thank you as well to those who made or make comments about our weekly posts.

We look forward to receiving your regular visits and continuing support throughout 2024 and beyond.

With many thanks.

CENFACS Annual Review 2023/2024

Welcome to CENFACS’ Online Diary!

28 August 2024

 

Post No. 367

 

 

The Week’s Contents

 

• CENFACS Annual Review 2023/2024

• The Internally Displaced Persons of Kwilu Need Your Support

• Following the Direction of Poverty Reduction This Summer via Aquatic Foods – Trending Topic in Focus from Wednesday 28/08/2024: Low-cost Technologies and Innovations Associated with Aquatic Foods

… And much more!

 

COMING THIS SEPTEMBER 2024:

 

Key Messages

 

• CENFACS Annual Review 2023/2024

 

CENFACS Annual Review 2023/2024 is a snapshot of what we did between 1 July 2023 and 30 June 2024.  As it is stated, it is neither a statutory annual report nor an annual return.

It is a summary of the year 2023/2024 in the life of CENFACS that reports back to our supporters, users, project beneficiaries, members and other stakeholders the impact we have made; impact through stories, quantitative and qualitative data.

The review highlights accomplishments made and recollects milestones for the above stated year. It uncovers trends and insights about the changes that affected our noble and beautiful cause of poverty reduction.

It outlines some highlights from our 2023 Year-in-review Report while including our achievements made by the end of June 2024.

It is as well a performance review and annual review story of our finances.

It is finally the impact story of building forward better together cleaner, greener, inclusively, safer and climate-resilient in the era of system reset and change.

For more on this review, please read under the Main Development section of this post.

 

• The Internally Displaced Persons of Kwilu Need Your Support

 

The humanitarian situation in the health districts of Bagata and Kikongo in the province of Kwilu (Democratic Republic of Congo) is worsening as 62,000 people have been displaced because of militia and armed fighting, according to the Congolese news agency ‘actualite.cd’ (1).  Amongst these internally displaced persons are children, women and the elderly.

As said by the same ‘actualite.cd’, this crisis has affected the villages of Beno, Manzasay, Sampiere, Siemsiem and the main town of Bagata.  According to the same source of information, the number of the internally displaced persons includes the following:

 

• 4,740 men

• 14,776 women

• 9,569 girls

• 5,934 boys.

 

These numbers can grow as the crisis lasts.  These internally displaced persons need safe drinking water, food, sanitation, health and hygiene products.  As the return to school is approaching this September 2024, many of the internally displaced children may miss their school return.  Five classrooms in Manzasay have been used as accommodation by the displaced persons.

The internally displaced persons of Kwilu (IDPK) need your support.

Those who wish to support the IDPK can donate money and/or donate in kind or their influence.

Please donate or influence immediately as the needs are pressing and urgent NOW.

To support or enquire about this humanitarian appeal, please contact CENFACS.

The IDPK are looking forward to your generous support to make a meaningful difference to their lives.

Thank you for your generosity.

 

 

• Following the Direction of Poverty Reduction This Summer via Aquatic Foods – Trending Topic in Focus from Wednesday 28/08/2024: Low-cost Technologies and Innovations Associated with Aquatic Foods

 

The last episode of our trending series in following the direction of poverty reduction via aquatic foods is Low-cost Technologies and Innovations Associated with Aquatic Foods.  In this last direction of poverty reduction, we are going to briefly comment on technologies/innovations linked to aquatic foods and the way of following the direction of poverty reduction via these technologies.

 

• • Low-cost Technologies or Innovations Linked to Aquatic Foods

 

Technologies can support sustainable aquaculture intensification and expansion to meet the growing demand for aquatic foods.  It is not a surprise if the Food and Agriculture Organisation of the United Nations argues (2) that

“The consumption of whole fish provides important essential nutrients – in particular omega-3 fatty acides, minerals and vitamins – and is relatively affordable for low-income populations, ensuring their access to nutritious foods.  During processing, many parts considered not edible are often discarded.  These parts are rich in micronutrients, and adoption of simple low-cost technology such as drying, smoking, fermentation and nulling can transform them into affordable and nutritious products” (p. xxv)

Similarly, the World Fish Centre (3) explains that

“Low-cost accessible innovations ensure continuous flow of food availability and reduce chances of nutrition and economic losses throughout aquatic food supply chains.  Innovative accessible technologies and better practices cut aquatic food loss and waste, providing multiple wins across the sustainable development agenda by increasing the amounts of food available for consumption, protecting vulnerable workers from lost incomes and improving the sustainability of food systems”.

For example, in low- and middle-income countries where cold storage is limited, preservation of fish through smoking is a common technology (enhanced fish smoking technology).

Another example is the FAO-Thiaroye fish processing technique or FTT.

A further example is is the Women Business in Gillnet Project in Bangladesh (4).  The project, which enables the dissemination of low-cost gill-net technology, aims to make fish harvesting more accessible to women and increased household consumption of nutritious fish species.

So, low-cost technologies and innovations relating to aquatic foods would help increase aquatic food availability, especially for those who rely on small-scale aquatic food systems for their livelihoods.  Low-cost technologies and good practices help in the following:

 

σ cutting aquatic food loss and waste

σ increasing aquatic food availability

σ protecting vulnerable workers

σ improving the sustainability of food systems.

 

It is good to know and learn these low-cost technologies and innovations and their benefits with regard to aquatic foods.  It is as well desirable to follow the direction of poverty reduction via these technologies and innovations.

 

• • How Can You Help in Following the Direction of Poverty Reduction via Low-cost Technologies and Innovations Associated with Aquatic Foods?

 

Each of our members and supporters can follow the direction of poverty reduction via low-cost technologies and innovations associated with aquatic foods.

For those of our members, supporters and audiences interested in this trending topic, they can enquire, collect or find more examples of the benefits of low-cost technologies and innovations towards aquatic foods.

For those who have stories with hard evidence on this matter, they can as well add their inputs by contacting CENFACS with their stories and or data.

For example, those who may have opportunity to talk to low-income households about their experience of technologies and innovations linked to aquatic foods, they can share their findings with us.  This is the same for those who have been involved in or running any pieces of research in the form of focus discussion group, a pilot research project, a survey, etc.

To follow the direction of poverty reduction via aquatic foods with us, please contact CENFACS.

 

• • Concluding Note on Our Summer 2024 Trending Series

 

To conclude this Summer series of trending work, let us say that Following the Direction of Poverty Reduction via Aquatic Foods has improved our understanding on the role of aquatic foods and sector in reducing poverty and enhancing sustainable development.

Aquatic foods have many features or properties.  They are nutritious and can be affordable and available for low-income households.  They generate low-climate impact compared to other types of foods. They can be used to reduced to poverty.  They come with low-cost technologies to produce them.  Efforts can be deployed to increase their reach to low-income households and families, especially those suffering from aquatic food poverty.

 

Extra Messages

 

• Following the Direction of Poverty Reduction This Summer via Aquatic Foods  – Impact Monitoring, Evaluation, Learning, Development and Action Plan 

• Happiness, Healthiness and Wellness Journal – Creative Activity No. 6: Create Your Journal of Freedom to Choose and Capabilities

• Financial Plan Updates for Households

• Following the Direction of Poverty Reduction This Summer via Aquatic Foods –

Impact Monitoring, Evaluation, Learning, Development and Action Plan 

 

Any activity or action to be successful needs impact monitoring and evaluation to know that it has been executed as planned and the changes that may happen over time as a result of this activity or action.  In order to know the progress and achievements made as well as to examine our performance against objectives, we are carrying out two exercises:

 

a) Impact Monitoring and Evaluation

b) Learning Development and Action Plan.

 

Let us explain what these two exercises are about.

 

• • Impact Monitoring and Evaluation of Following the Direction of Poverty Reduction This Summer via Aquatic Foods

 

We are now carrying on with the systematic process of observation, recording, collection and analysis of information regarding our 4-week work on Following the Direction of Poverty Reduction this Summer via Aquatic Foods in order to get its impact or at least its output.  This routing process will help to examine the activities developed and identify bottlenecks during the process to see if they are in line with objectives we defined.

To monitor our Trending Activities, we have been routinely gathering information on all aspects when we have been following the Direction of Poverty Reduction via Aquatic Foods.  We are now examining what these follow-up actions have achieved or will achieve in relation to the aims and objectives we set up for them.  This monitoring has enabled us to keep an eye on the progress made so far.  In our approach to impact monitoring and evaluation, we included the four actions took or directions of poverty reduction taken in relation to Aquatic Foods.

Besides this impact monitoring activity, we are as well conducting evaluation for learning purpose.  This impact evaluation will help us to learn something from these actions.  It will also assist to check the actual outcomes against the objectives we set up for trending activities.  When this evaluation for learning is completed, we shall carry out an impact evaluation to find out how working with the community would have some influences in the long term on them regarding the aquatic foods in order to reduce poverty and or get more results on poverty reduction.

We are undertaking the sporadic activity to draw conclusion regarding the relevance and effectiveness of the four directions of poverty reduction.  This activity will contribute to the determination of the value judgement regarding the performance level and attainment of defined objectives for Following the Direction of Poverty Reduction This Summer via Aquatic Foods.

The findings from this Impact Monitoring and Evaluation will help to figure out what has been achieved through this work and give us some flavour about the future direction of our trending activities.

As part of this Impact Monitoring and Evaluation exercise, we would like to ask to those who have been working with us throughout the last four weeks to share with us their feelings and thoughts about these two areas:

 

(a) The overall “Following the Direction of Poverty Reduction This Summer via Aquatic Foods

(b) Any initiative taken by you in the way of helping to Follow the Direction of Poverty Reduction This Summer via Aquatic Foods.

 

You can share your feelings and thoughts with us by:

 

∝ Phoning

∝ Texting

∝ E-mailing

∝ Completing the contact form with your feelings and thoughts.

 

• • Learning Development and Action Plan from Following the Direction of Poverty Reduction This Summer via Aquatic Foods

 

As part of keeping the culture of continuous learning and professional development within CENFACS, we are examining what the running of Trending Activities have brought and indicated to us.  We are particularly looking at the learning and development priorities and initiatives.  In this exercise, we are considering the action points and plan we may need to make in order to improve or better change the way in which we deliver our services and work with users.

For those who have been following the running of the Trending Month with us, this is the time or opportunity they can add their inputs to our learning and development experience so that we can know the knowledge gap that need to be filled up.  They can as well have their own action plans on how they would like to take forward the contents of Trending Activities month.  And if they have a plan and want us to look at it, we are willing to do so.

Have an action plan for your trending activity and want CENFACS to look at it, please do not hesitate to contact us.  To add your input to our exercise on learning, development and action plan; just contact CENFACS.

 

• • Views from Those Who Have Been Acting with Us and/or Following Us

 

One of the monitoring and evaluation indicators/tools we are using is to collect the views from those who have been acting with us and/or those who have been following us.  In this respect, we would like to ask them to tell us their feelings about the four actions taken relating to the four directions of poverty reduction as highlighted in the following simple questions.  They can provide their feelings in the form of a review or feedback or testimony.  The results of their feelings will help to improve future trending activities.

Those participating to this survey can tick one box (ranging from 0 to 10) for each trending activity.  Ticking the box will indicate to us how satisfied they are with the delivery experience about each action taken.  All the completed survey forms should be sent to CENFACS by mid-September 2024.

Those who want to provide feelings and would like to request the details about these activities prior to their response, they are free to make their request to CENFACS.

Thank you for considering our demand of feelings and for your support.

It will be good that those who would like to provide their feelings to do them by mid-September 2024.

 

• Happiness, Healthiness and Wellness Journal – Creative Activity No. 6: Create Your Journal of Freedom to Choose and Capabilities

 

The last episode of our Summer series of Journal of Happiness, Healthiness and Wellness is about Freedom to Choose and Capabilities.  It is about writing on the things that have expanded your freedoms (i.e., liberty or independence) and opened more choices for you to find your own development paths according to socially acceptable values rather than being prescribed to follow a particular path.  As Armarthya Sen (5) explains in the following words:

“Freedom implies not just to do something but the capabilities to make it happen”.

Yet, personal circumstances and external factors (e.g., extreme temperatures, higher costs of living) have restricted the freedom to choose, incapacitated people, and limited the choice one can make about their happiness, healthiness and wellness over Summer 2024.

Despite these restrictions, limitations and incapabilities; one can create or write a journal of freedom or unfreedom to choose to reflect their conditions and circumstances of life brought by the lingering effects of these circumstances and factors.

Before embarking on writing this journal, it is better to get some clues about the relationships between happiness and freedom, between healthiness and freedom, between wellness and freedom.

Equally, it is better to understand the relationships between happiness and capabilities, between healthiness and capabilities, between wellness and capabilities.

 

• • Relationships between Happiness and Freedom, between Healthiness and Freedom, between Wellness and Freedom

 

• • • Relationships between Happiness and Freedom

 

There could be a link between happiness and freedom.  Ruut Veenhoven (6) explains that

“Freedom is the possibility to choose, and involves both the opportunity and capability to choose…  Freedom does not always contribute to happiness, but it does not destroy it either.  The data strongly suggest that economic freedom leads to happiness, especially for those in conditions of poverty and low capability.  The effect that political and private freedom can add to happiness has been restricted to rich and capable countries”.

One can use Veenhoven’s view or other views on the relationship between happiness and freedom to narrate their experiences, feelings and thoughts in terms of happiness and freedom over this Summer.

 

• • • Relationships between Healthiness and Freedom

 

The pursuit of healthiness can lead to some degree of freedom.  For some people, healthiness can facilitate freedom and be dependent on a personal orientation towards freedom.  For other ones (like the neo-liberals who value individual responsibility), they blame the health victims.  From this blame perspective, De Jong et al. (7) explain that

“Freedom is understood from an individualistic, neoliberal point of view, which is characterised by voluntarily demonstrating individual responsibility, prudence, health consciousness, health commitment and productivity regarding the construction of one’s healthiness”.

One can use the argument of De Jong et al. or other arguments regarding the relationship between healthiness and freedom to write their experiences, feelings and thoughts in terms of healthiness and freedom over this Summer.

 

• • • Relationships between Wellness and Freedom

 

Let us first explain wellness.  Di Martino et al. (8) quotes Prilleltenskj to define wellness in psychology as

“A positive state of affairs brought about by the simultaneous and balanced satisfaction of diverse objective and subjective needs of individuals, relationships, organisations and communities”.

This positive state of affairs can lead to freedom.  In return, freedom (e.g., freedom of movement and occupation) can contribute to well-being.

One can use the link between the positive state of affairs and freedom to journal their experiences, feelings and thoughts in terms of wellness and freedom over this Summer.

 

• • Relationships between Happiness and Capabilities, between Healthiness and Capabilities, between Wellness and Capabilities.

 

Capability can be related to happiness, healthiness and wellness.  But, what is capability?

According to ‘cloudassess.com’ (9),

“A capability represents a blend of personal and technical skills, knowledge and behaviours that allow an individual or an organisation to perform effectively.  For individuals, it is about the potential to apply skills and knowledge in different situations”.

Armarthya Sen goes further in its capabilities approach by pairing functionings and capabilities.  Tom Jacobson and Leanne Chang (10) refer to Sen’s capabilities approach and write this:

“Capabilities refer to real opportunities citizens have to enjoy a functioning rather than to the actual enjoyment of the functioning”.

Still for Jacobson and Chang, Sen believes that development must focus on a range of doings and beings, or functionings, which are much broader than material well-being.

One can refer to the definition of capability by ‘cloudassess.com’ and Sen’s capabilities approach or any other perspective on capabilities, and journal their experiences, feelings and thoughts in terms of the relationships between capability and happiness, between capability and healthiness, between capability and wellness over this Summer.

 

• • Create or Write a Journal of Freedom or Unfreedom to Choose and Capabilities for Any Life Circumstance

 

To reflect the above-mentioned restrictions or limitations or even incapabilities as well as relationships, one can create or write a journal of freedom or unfreedom for the things that have made them to feel happy, healthy, well, capable and free during this Summer 2024.  Alternatively, one can consider journaling the things that have made them unhappy, unhealthy, unwell, incapable and confined this Summer 2024.

Since, the work of CENFACS is on poverty reduction, one can as well think of writing a journal that explains the freedom and ability they have to choose solutions to reduce or end poverty and hardships.  Such a journal can include things like being able to choose items within the basic necessities of life (e.g. kinds of food, shelter, education, information, health, etc.).

For example, one can write about fostering their own or people’s competence to make their own choices to exercise their own agency or about the freedom to meet their own needs.  One can as well write on deficit in freedom to choose.

You can create your journal for any aspects of Summertime linked to freedom to choose.  You can explain your experiences, feelings and thoughts in terms of happiness, healthiness and wellness about freedom to choose and capabilities over this Summer.

In short, you can create or write a journal of the following:

 

 Things that have made you to feel happy, healthy, well, free and capable over this Summer 2024

∝ Things that have made you unhappy, unhealthy, unwell, incapable and confined over this Summer 2024

∝ Explaining the freedom and capability you have to choose solutions to reduce or end poverty and hardships over this Summer 2024.

 

• • Impact Record and Share of Your Journal of Freedom to Choose and Capabilities

 

You can impact record your thoughts, feelings, experiences, souvenirs and memories in relation to happiness and healthiness regarding the freedom to choose and capabilities.  This can be recorded in your journal and be shared by the end of Summer 2024.

To impact share the contents of your journal of happiness, healthiness and wellnesss relating to happy, healthy, good, capable and free livelihoods during this Summer 2024 as well as to help build a better Summer holiday experience, you can contact CENFACS.

 

 

• Financial Plan Updates for Households

 

Last week in the 2024 Edition of Summer Financial Updates (SFU), we said that every Summer we conduct financial updates of our work and of our users and project beneficiaries.  What do we mean by financial update?

A financial update is, according to ‘financestrategists.com’ (11),

“A regular review of your financial strategies to keep them on track and adjust them as needed to achieve your objectives.  The primary objectives of updating a financial plan are to adapt to changes in personal circumstances, respond to economic and market changes, and reassess financial goals and strategies”.

Next week, we shall start working with those who want on their financial plan update.  The following indicates the themes we shall cover from every Wednesday starting from 04/09/2024:

 

04/09/2024: Household Financial Plan

∝ 11/09/2024: Household Investment Planning

∝ 18/09/2024: Estate Planning

∝ 25/09/2024: Retirement Planning

 

The work with participants will consist of reviewing the above-planned areas of their financial plan and adjust them in the light of new information or data, and in line with  the current development landscape and near future economic realities.

Those who may be interested can contact CENFACS for further details.  If you need support with your financial plan updates, please do not hesitate to communicate with CENFACS.

 

Message in French (Message en français)

 

• Test de connaissances sur le football africain organisé par le Forum ‘Une Afrique Meilleure’ de CENFACS

Dites au Forum ‘Une Afrique Meilleure’ de CENFACS, ce que vous savez du foot africain!

1. Quelles étaient les trois équipes africaines qui ont participé à la première Coupe d’Afrique des Nations de la CAF au Soudan en 1957?

. le Cameroun, le Ghana et le Mali

. l’Algérie, le Soudan et le Maroc

. l’Égypte, le Soudan et l’Éthiopie

2. Lequel des trois joueurs a marqué un record de 9 buts lors d’une Coupe d’Afrique des Nations?

. Mohammed Zidane (Égypte)

. Didier Drogba (Côte d’Ivoire)

. Ndaye Mulamba (RD Congo)

3. Quelle équipe africaine a remporté 7 fois et trois titres consécutifs de la Coupe d’Afrique des Nations (CAN) depuis sa création?

. l’Égypte             . le Ghana        . le Cameroun

. le Nigéria          . l’Algérie         . l’Afrique du Sud

4. Quels sont les deux pays africains qui étaient qualifiés pour la Coupe du monde féminine de football 2007?

. la Mauritanie et le Ghana          . le Niger et la Tunisie

. le Nigéria et la Sierra Leone      . le Nigéria et le Ghana

5. Qui a été le premier footballeur africain de l’année en 1973?

. Raymond Kopa        . Tshimen Bwanga          . Salif Keita

. Roger Milla               . Frédéric Kanoute          . Marcel Desailly

6. Quel a été le premier pays africain à remporter un tournoi mondial de la FIFA?

. le Cameroun           . le Ghana

. l’Égypte                    . le Nigéria

7. Lequel de ces pays africains a participé à la Coupe du monde de football en 2006 en Allemagne?

. l’Angola           . la Namibie              . la Côte d’Ivoire

. le Ghana         . l’Afrique du Sud     . le Zimbabwe

8. Quel a été le premier pays africain à participer à la coupe du monde en 1934?

. l’Afrique du Sud         . l’Égypte

. l’Éthiopie                     . le Cameroun

Vous pouvez dire au Forum ‘Une Afrique Meilleure’ de CENFACS ce que vous savez sur les questions mentionnées ci-dessus.

Le Forum ‘Une Afrique Meilleure’ de CENFACS est un réseau de discussion sur les questions et thèmes de réduction de la pauvreté et de développement durable en Afrique et qui agit au nom de ses membres en faisant des propositions ou des idées d’actions pour une Afrique meilleure.

Pour communiquer avec le CENFACS au sujet du test ci-dessus et de ses discussions, veuillez utiliser nos coordonnées habituelles sur ce site.

 

Main Development

 

CENFACS Annual Review 2023/2024

 

This review aims at those who are interested in the work that CENFACS does to get a glimpse of what happened during the financial year 2023/2024.  It is a summary of our activities, performance, achievements and accounts for the financial year 2023/2024.

The following contents make this review:

 

∝ Theme of CENFACS’ 2023/2024 Annual Review

∝ Annual Review Summary 2023/2024.

 

Let us uncover these contents.

 

• • Theme of CENFACS’ 2023/2024 Annual Review

 

The theme for this review is building forward better together to a greener, cleaner, safer, inclusive and climate-resilient future.

 

• • Annual Review Summary 2023/2024

 

The summary of our annual review 2023/2024 is presented under the following four headings:

 

∝ Activities Review

∝ Key Produce or Achievements of the Year

∝ Financial Performance Review

∝ Thank you

 

Let us review the activities, achievements and financial performance of the year.

 

 

• • • Activities Review

 

The Activities Review highlights what we did via the following undertakings:

 

pension and the reduction of old age poverty in Africa, financial inclusion for the needy, private homeownership and secure land tenure in Africa, charity trade and investment, data and insight skills to manage your households,  system reset and change stories, grey spaces-focussed and spacing analysis, building forward better relationship with nature, self-efficacy skills, creative and innovative ideas for actions for a better Africa, matching organisation-investor programme, financial control for households, nature and nature-based solutions to poverty, financial resilience programme for households, and making influence work for humanitarian relief in Africa.

 

Let us look back each of these activities we did.

 

• • • • Key Takeaways of the Year

 

The points or facts to remember about 2023/2024 from within and around CENFACS are as follows.

∝) 2023-2024 as a year of raising awareness about private homeownership and

secure land tenure to reduce poverty in Africa

 

Many of Africa-based Sister Organisations (ASOs) noticed that the level of poverty due to homeless and landless was high in their areas of operations in Africa.  ASOs worked with these homeless and landless people by helping them to find inclusive, safe, resilient and sustainable settlements so that they could transition out of poverty linked to the lack of homeownership and secure land tenure.

 

∝) 2023-2024 as a year of charity trade and investment

 

2023-2024 was also the year of working with poor and vulnerable beneficiaries in trying to create usable means to live off and push poverty away via trade and investment.  It was the financial year of working with ASOs that wanted to invest and make the most of their long-term funds and protect their charities’ income against economic events (such as the impact of inflation, geo-economic crisis).  It was about working with them so that they could find investment channels to generate better returns than simply holding cash with them.

 

∝) 2023-2024 as a year of helping in reducing old age poverty

 

Many ASOs faced the issue of working with the elderly to get away from overlapping crises in Africa (including pension crisis) and protect their insurance.  Together with ASOs we worked to help reduce old age poverty in Africa, in particular by exploring ways of improving the financial inclusion of the elderly.

 

∝) 2023-2024 as a year of financial inclusion of those in need

 

Financial inclusion of those in need can face constraints on both sides of the market (demand and supply).  By looking at the demand-side constraints on the financially excluded, together with users we worked through experimental approach and deliberative practices ways of making these excluded included.

 

∝) 2023-2024 as a year of following the direction of poverty reduction via marine and coastal ecosystem services

 

This follow-up enabled our users to understand how marine and coastal ecosystem services could help reduce poverty, particularly through provisioning and regulating services they provide.   The majority of those who followed our trending activities with us shared their findings and data after talking to coastal poor communities about the impacts of Marine and Coastal Ecosystem Services  on these communities.  This was the same for those who were involved in or running some pieces of research on these services.

 

∝) 2023-2024 as a year of the reduction of grey spaces-induced poverty

 

The last quarter of 2023 was a great time of engaging space to deal with poverty induced or linked to grey space.  It was a time of addressing spatialisation of poverty.  We explored with grey space poor ways of reducing or ending this type of poverty.  Additionally, we deployed efforts with them navigating sustainable ways of reducing health hazards from grey spaces.

 

∝) 2023-2024 as a year of learning and developing self-efficacy skills to refresh ways of tackling crises

 

Because the nature of crises and risks is changing, there was a need to refresh ways of tackling crises through three Self-efficacy skills – resilience, flexibility and agility.  These skills started to help beneficiaries to bounce back from the lingering effects of the polycrises of recent years (like the coronavirus and the enduring cost-of-living crisis) and to grab any job opportunities that were available.

 

∝) 2023-2024 as a year of advocacy for the world’s smallest creatures via Niamankeke project

 

Through the ‘Niamankeke‘ project and ‘A la une‘ (Autumn Leaves of Action for the Upkeep of the Nature) campaign, we tirelessly worked with the community and others outside our community to raise awareness of the upkeep of endangered insect species like Erikssonia Acraeina (Eriksson’s Copper), Adetomyrma Venatrix (Dracula Ant), Dawn Jewel (Chlorocypha Aurora), African Dung Beetle and Brenton Blue Butterfly.

 

∝) 2023-2024 as a year of data and insight skills to manage your households

 

Using free frontline tools of poverty reduction from CENFACS‘ poverty reduction box, we conducted basic data analytics and empowered user households with data and insight skills.  Through Data and Insights Advocacy and Skills project, we came together with these households to build data collection, organisation, storing, and sharing skills.  We were as well able to develop descriptive, diagnostic, predictive and prescriptive insight skills.

 

∝) 2023-2024 as a year of system reset and change stories 

 

Amongst the stories received, we had 2 great stories of changing our mindsets, 4 remarkable stories of seeing wholes, 3 amazing stories of understanding connections, 2 moving stories of building a genuine connection and one memorable story of creating a new system of poverty reduction.

 

∝) 2023-2024 as a year of matching organisation-investor programme

 

2023-2024 will be remembered as a year of working with Africa-based Sister Charitable Organisations and Not-for-profit Investors to help them match project planning for the first and investment life cycle for the second.  In doing so, the former could find the investment they were looking for and the latter the organisation to invest in.

 

 

∝ 2023-2024 as year of making influence work for humanitarian relief in Africa 

 

Making influence support endangered and, in some circumstances, destroyed lives as war and disastrous natural events were unfolding in some places in Africa is another takeaway.  Further to these events, together with those stricken by them or their representatives we made the following appeals:

 

√ Libya-Morocco Joint Influence Appeal

√ Support Children Impacted by Crisis in Africa

√ Giving Hope for the Humanitarian Needy of the Democratic Republic of Congo in 2024

√ Halving Children Poverty in the G5 Sahel

√ Lighting a Blaze of Hope for the Rain-hit and Food Insecure in Chad, Congo and the Democratic Republic of Congo

√ The New Internally Displaced Persons of Insecurity in Eastern Democratic Republic of Congo Need Lighting a Blaze of Hope

√ Burundi’s Flood Victims Ask for Your Aid

√ The Conflict- and Natural Disaster-related Internally Displaced Persons in Africa Need Your Influence Now!

 

With the support of the community in terms of data and stories from these places or areas of CENFACS‘ operation, we made together appeal so that lives and livelihoods could be saved from civil violence, attacks, gender-based violence, severe climate conditions, other life-threatening and destroying conditions (such as the coronavirus, Ebola) and the cost-of-living crisis. 

 

In total, we launched eight humanitarian relief appeals.  As a result of these appeals, there have been some support to the sufferers of these events while there is still much to be done. 

There are many good and positive results to take away from this financial year, although we limit ourselves to the above key takeaways mentioned.

 

 

• • • 2023/2024 Key Produce or Achievements

 

2023/2024 was a notable year of wins in poverty reduction produce or accomplishments.  It will be known as the year of the three key achievements below.

 

1) 2023-2024 was an unforgettable year of advocacy for the protection of small creatures through ‘Niamankeke’ project.  It is the year during which we tried to campaign for the protection of the critically endangered insects and invertebrates.

2) 2023-2024 also was a memorable matching year as we set up a new impact programme – Matching Organisation-Organisation Programme – of working with ASCOs that are looking for not-for-profit investors to invest in them and not-for-profit investors who would like to invest in such organisations.

3) The Tricennial Celebration or the Tricennium, which kicked off last March 2024, is a celebration of the remarkable journey of CENFACS as an idea for good.  It is also part of 2023/2024 achievements.

 

• • •  Financial Performance Review

 

The following is the summary of our receipts and payments for the year ending 30 June 2024.

On the payments side, the lingering effects of the costs of living continued.  As result of these effects, our costs increased except for volunteers and refreshments accounts.   We provided low-cost refreshments and covered very reasonable expenses for volunteers.

Three accounts (that is, postage stamps, transport and travel, and office miscellaneous) displayed a huge increase.

Regarding the postage accounts, we needed to maintain ways of engaging our users and project beneficiaries who were still attached to print and paper mail.  However, the price of the first class postage rate of a letter weighting 0 to 100g did dramatically move from £1.25 in 2023 to £2.70 in 2024.  This increase impacted our postage stamps account.

Concerning transport and travel, we continued to work in hybrid fashion.  We carried on investing in online and virtual means of working to deliver efficiencies across CENFACS.  But, we enhanced our in-person contacts with stakeholders.  However, the increase in the price of transport and related services meant that our transport and travel went up due to in-person meetings, networking and outreach work.

As to the office miscellaneous items, we spent a reasonable amount to meet office administration needs following the savings we made in the previous year on this account.  These office miscellaneous expenses were meant to cover ourselves against the uncertainty in the economy.

The other accounts that experienced increase were printing and photocopy (54%), stationery and books (26%), IT subscriptions (10%), tele/mobile phone and internet (34%).  Indeed, to respond to users’ preferences and technological changes, we had to maintain a relatively adequate level of stationery stock.  This enabled us to prevent items running out of stock.  Likewise, the price of ink cartridges was higher.  Yet, prints were still popular among our users.  In addition, the charge of web hosting service and broadband was increased; meaning that our IT subscription could not stay the same.

On the fundraising and receipts side, the challenge to raise the funds needed to meet the level of needs in the community remained.  This could be partly explained by the cumulative effect of the lingering impacts of the cost-of-living crisis and the economic uncertainty which continued to drive hesitations or reluctance to many individual donors/funders. 

We have to admit that we have still funding applications which we have not yet received replies from potential donors/funders/grant makers.  This means there is a reason to believe that there is still possibility for positive replies from them or to generate funds.

Concerning the cash funds account, our cash funds kept their ascending trends.  During the financial year 2023/2024, we registered the same increase (12%) like in the financial year 2022/2023.  In accounting terms, we managed to increase our receipts over payments as our receipts nearly underscored an increase of 12%.  We continued to make savings on overseas budget, volunteer costs, refreshments, publicity and advertising, translation, office equipment and furniture, project beneficiaries, research and development, and fundraising costs.  This increase and the savings made on payments resulted in a positive net balance of our receipts and payments account for the year.

We hope that the rebound of our cash funds will steadily continue and be even noticeable in the financial year 2024/2025.  We can as well expect that the fruits of our fundraising efforts will fully appear in the new financial year (2024/2025) and beyond. 

We can anticipate that the new Government Policies for charity funding will open a new window of opportunities for increasing financial support to our noble and beautiful cause of poverty reduction. 

We look forward to the community to donate more as the economy and their financial situation improve.

 

• • • Thank you

 

The work of CENFACS is a collective endeavour that relies upon the voluntary contribution of others, a key to our success.  As such, there is a number of people and organisations who contributed to the realisation of our financial year 2023-2024.

We would like to indiscriminately acknowledge them.  Without their helpful and altruistic support, we would not be able to achieve the above.  We are grateful to our volunteers, users, project/programme beneficiaries, members, website/blog readers and supporters.

We would like to thank all of them for their unwavering commitment and impactful support for helping us to voice and bring once again our poverty reduction message into the world in development, especially at the very daunting time of the lingering effects of the polycrises.

Many thanks for making 2023-2024 another deservingly memorable year at CENFACS and for being there with us for those in need.

More details about CENFACS Annual Review 2023/2024 can be requested.

_________

 

 References

 

(1) https://actualite.cd/2024/08/21/kurlu-plus-de-62-000-nouveaux-deplaces-en-detresse-dans-les-zones-de-sante-de-bagata-et#google_vignette (accessed in August 2024)

(2) FAO. 2024. The State of World Fisheries and Aquaculture. 2024. Blue Transformation in action. Rome 

(3) https://www.worldfishcenter.org/blog/5-innovations-reducing-loss-and-waste-aquatic-food-system (accessed in August 2024)

(4) https://www.worldfishcenter.org/blog/low-cost-technology-boosts-womens-livelihoods-amidst-pandemic-bangladesh/ (accessed in August 2024)

(5) https://asiancenturyinstitute.com/development/333-armartya-sen-on-deveptas-freedom (accessed in August 2023)

(6) Veenhoven, R. (2000). Freedom and happiness. A comparative study in forty-four nations in the early 1990s. In E. Diener & E. M. Such (Eds.), culture and subjective well-being (pp. 257-288). The MIT Press 

(7) De Jong, M., Collins, A. & Plüg (2019), “To be free”: how discourses of freedom are used to constraint healthiness among young South African adults, in International Journal of Qualitative Studies on Health and Well-being 2019, Vol. 14, 1603518, available at https://doi.org/10.1080/17482631.2019.1603518 (accessed in August 2024)

(8) Di Martino, S., Scarpa, M.P. & Prilleltensky, I. (2022). Between wellness and fairness: The mediating role of autonomous human choice and social capital in OECD countries. Journal of Community Psychology, 50, 3156-3180. 10.1002/jcop. 22822, available at https://www.ncbi.nim.nih.gov/pmc/articles/PMC9544613/ (accessed in August 2024)

(9) https://cloudassess.com/blog/skill-vs-capability-vs-competency (accessed in August 2024)

(10) Jacobson, T. & Chang, L. (2019), Sen’s Capabilities Approach and the Measurement of Communication Outcomes in Journal of Information Policy. 9:111-131, available at https://doi.org/10.5325/jinfopoli.9.2019.0111 (accessed in August 2024) 

(11) https://www.financestrategists.com/financial-advisor/financial-planning/financial-plan-updates (accessed in August 2024)

 

_________

 

 Help CENFACS Keep the Poverty Relief Work Going This Year

 

We do our work on a very small budget and on a voluntary basis.  Making a donation will show us you value our work and support CENFACS’ work, which is currently offered as a free service.

One could also consider a recurring donation to CENFACS in the future.

Additionally, we would like to inform you that planned gifting is always an option for giving at CENFACS.  Likewise, CENFACS accepts matching gifts from companies running a gift-matching programme.

Donate to support CENFACS!

FOR ONLY £1, YOU CAN SUPPORT CENFACS AND CENFACS’ NOBLE AND BEAUTIFUL CAUSES OF POVERTY REDUCTION.

JUST GO TO: Support Causes – (cenfacs.org.uk)

Thank you for visiting CENFACS website and reading this post.

Thank you as well to those who made or make comments about our weekly posts.

We look forward to receiving your regular visits and continuing support throughout 2024 and beyond.

With many thanks.

Financial Choices Made by the Poor

Welcome to CENFACS’ Online Diary!

21 August 2024

 

Post No. 366

 

 

The Week’s Contents

 

• Financial Updates – In Focus for 2024 Edition: Financial Choices Made by the Poor

• End Mpox: An Influence Appeal for Health Emergency, Prevention, Preparedness and Response to the Monkey Pox Disease

• Following the Direction of Poverty Reduction This Summer via Aquatic Foods, Trending Topic in Focus from Wednesday 21/08/2024: Aquatic Food Poverty Reduction

And much more!

 

 

Key Messages

 

• Financial Updates – In Focus for 2024 Edition: Financial Choices Made by the Poor

 

Every Summer, we conduct financial updates of our work and of our users and project beneficiaries.  A financial update is, according to ‘financestrategists.com’ (1),

“A regular review of your financial strategies to keep them on track and adjust them as needed to achieve your objectives.  The primary objectives of updating a financial plan are to adapt to changes in personal circumstances, respond to economic and market changes, and reassess financial goals and strategies”.

The 2024 Edition of Summer Financial Updates (SFU) is both a review and adjustment about the financial choices made by the poor.  This 2024 Edition of SFU focusses on the role of choice that can play in financial matter for those who have little or no financial choice to make because of poverty they experience.

Choice is the act of choosing between two or more possibilities.  To have financial choices, it means having financial knowledge and decision-making skills to decide on your financial matters, according to ‘consumerfinance.org’ (2).  Do poor people have financial choices?  Like rich people, they certainly have.  However, their financial choice could be very limited because of poverty and other factors beyond their control.  It is this limitation in terms of financial choice that makes this 2024 Edition of SFU.

 

• • What This Edition Is about

 

The 2024 Edition of SFU is about the following:

 

∝ understanding the process inherent in financial decision-making for the poor

∝ working with those who have little or no choice to make when it comes to financial matter

∝ helping them to make good financial choices or decisions about their finances, however little they may be

∝ supporting them in the process of making financial decisions by evaluating different options while selecting the best one based on their financial conditions and circumstances.

 

For those members of our community who may be interested in the 2024 Edition of SFU, they are welcome to enquire to CENFACS  about it.  We have provided key highlights about the 2024 Edition of SFU under the Main Development section of this post.

 

• End Mpox: An Influence Appeal for Health Emergency, Prevention, Preparedness and Response to the Monkey Pox Disease

 

As the World Heath Organisation (3) announces the highest level of alert for Mpox (monkey pox) and World Health Organisation’s Director-General declares Mpox outbreak a public health emergency of international concern, CENFACS  is launching this Influence Appeal for Health Emergency, Prevention, Preparedness and Response to the Monkey Pox Disease.

Like any major infectious and deadly disease of this kind, Mpox has already claimed its victims.  According to the World Health Organisation (4),

“Last year, reported cases increased significantly, and already the number of cases [of Mpox]  reported so far this year has exceeded last year’s total with more than 15,600 cases [of Mpox] with 537 deaths [in the Democratic Republic of Congo].

Still regarding the Democratic Republic of Congo (DRC), ReliefWeb (5) adds that

“The North Kivu province in east DRC, already facing many years of armed violence between the DRC armed forces and various armed groups, as well as an unprecedented humanitarian crisis, now faces a rapidly spreading Mpox outbreak“.

The cases of Mpox are also being found in countries such as Kenya, Rwanda, Uganda, Central African Republic, Liberia, Cameroon, Cote d’Ivoire, etc.

Mpox requires a global and gigantic response in terms of infrastructure, vaccines and research.  There is also the need of practical responses to stop the spread of the disease and to support its victims.  Amongst practical responses is the current influence appeal – End Mpox.

 

• • What Is End Mpox?

 

End Mpox is about exercising a positive influence to combat the forces that are leading to the outbreak of Mpox in Africa and else where.  You can use your influence on the factors holding the key to the outbreak and spread of the infectious disease caused by the monkey pox virus.

Your Positive Influence can deliver meaningful tangible and life-saving outcomes than what you may not think.

 

• • What Your Positive Influence Can Achieve for the Victims of Mpox

 

Your Positive Influence can help

 

√ back health emergency to safe lives against Mpox crisis

√ support the humanitarian response to the life-threatening and -destroying impacts of Mpox disease  

√ preparedness efforts to prevent, contain and eradicate Mpox virus

√ in the improvement of awareness-raising activities about Mpox among the population

√ prevent the socio-economic rampant ramifications of Mpox crisis to cause social and economic crises like the coronavirus did

√ establishing surveillance and early warning systems to control the spread of infection

√ setting up care facilities and information/direction points for the needy

√ protect the environment from any depletion of environmental health and resources due to the spread of Mpox or ways of tackling it

√ enhance the implementation of life-saving responses and precautionary measures

√ briefly alleviate the suffering of the vulnerable and affected by Mpox and its distributional detrimental effects.

 

• • Who Your Positive Influence Will Benefit

 

The beneficiaries of your Positive Influence or Influencing Donation will be

 

√ those who are bearing the brunt of this life-threatening and -destroying disease

√ those who lost a loved one to the disease

√ those who are already struggling without basic necessities

√ those at high risk of catching the epidemic spreading (e.g., vulnerable children, young people)

√ those who are without or with limited access to basic services such as water, sanitation, hygiene and basic infrastructure to protect themselves from the damaging effects of Mpox

√ those who could be the victims of the impacts of the disease (e.g., internally displaced persons living in camps)

√ those who are suffering from increased vulnerability and eroded livelihoods because of the Mpox strike

√ in brief, the Mpox-stricken lives, communities and areas.

 

You can donate your Positive Influence to reduce health poverty in Africa; poverty induced by Mpox disease.

To donate, please contact influential persons (or those having the keys) to reduce or solve the life-threatening effects from Mpox strike and make these influential persons reduce or end these damaging effects on people, communities and areas.

You can as well influence the things or factors that play in the continuity of this infectious disease or crisis in order to create lasting favourable conditions for Mpox-affected people, communities and areas.

Please also let CENFACS know about your influencing work or contribution  you are or will be making and its outcomes on behalf of the people of Africa.

To let us know, you can contact CENFACS as follows:

 

*over phone

*via email

*through text

*by filling the contact form on this site. 

 

On receipt of the outcome of your influencing donation, CENFACS will contact you for record and thank you for any influencing donation made.  However, should you wish your influencing support to remain anonymous; we will respect your wish.

Thank you in anticipation for your willingness to give your Positive Influence to end or alleviate the suffering that Mpox is inflicting on people, communities and areas without means to successfully and completely defend against Mpox disease.

 

 

• Following the Direction of Poverty Reduction This Summer via Aquatic Foods, Trending Topic in Focus from Wednesday 21/08/2024: Aquatic Food Poverty Reduction

 

This week, we are continuing to follow the direction of poverty reduction via Aquatic Foods by looking at Aquatic Food Poverty Reduction.  In order to carry out this follow up, let us first explain what we mean by Aquatic Food Poverty.

 

• • What Is Aquatic Food Poverty?

 

Let us start with food poverty.  According to ‘devinit.org’ (6),

“Food poverty is lacking the means to obtain enough food to live a healthy life.  People living in food poverty have an income or expenditure that is less than the amount needed to consistently afford a basket of food with minimum recommended nutritional intake.  The cost of this basket is called a food poverty line (FPL) – people living below the FPL are not able to afford the cost of food necessary for good health and are in danger of malnutrition, disease or ill health”.

Knowing what is food poverty, it is possible to elucidate aquatic food poverty.  Aquatic food poverty is simply the lack of means to obtain enough aquatic foods to live a healthy life.  Yet, aquatic foods are nutritious and supposed to increase food availability and affordability for low-income households.

Aquatic food poverty can be reduced.  Its reduction is any effort deployed to bring the number of people in aquatic food poverty down.  This is the direction of poverty reduction we are following this week.

 

• • Following the Direction of Poverty Reduction via Aquatic Food Poverty Reduction

 

Aquatic food systems provide opportunities to enhance food security, improve nutrition, eradicate poverty, etc.  They play a role in addressing hunger, malnutrition and poverty.  There could be concern within these systems if there is an issue of aquatic food poverty.

Indeed, Tigchelaar et al. (7) note the following:

“Inadequate management and competing demands for aquatic foods by wealthier consumers threatens access to food for low-income consumers as well as food and income for the majority of small-scale actors in wild-caught aquatic food systems”.

These inadequacy and competition can lead to aquatic food poverty for low-income consumers.

Additionally, climate-related hazards may compromise the ability to provide the benefits linked to aquatic foods.  These are the benefits that billions of people worldwide draw from aquatic foods from marine and freshwater systems.  This is another factor for concern that can cause aquatic food poverty amongst the low-income households.

Furthermore, there could be negative impacts of aquaculture on poor people’s livelihoods.  For example, private governance through certification can be an issue as there is the possibility of excluding poorer producers from global value chains and associated implications for poverty alleviation.

For all the above-mentioned reasons, there is a need to follow the direction of poverty reduction via aquatic food poverty reduction.  Aquaculture can be used as a strategy to reduce poverty of a targeted group.   There could be conflicting views on this matter.  Some think that aquaculture exacerbates poverty while others argue it alleviates it.  By following the direction of poverty reduction one can find some answers to these competing views.

 

• • • How can you help in following the direction of poverty reduction via Aquatic Food Poverty Reduction?

 

Each of our members and supporters can follow the direction of poverty reduction via aquatic food poverty reduction.

For those of our members, supporters and audiences interested in this trending topic, they can enquire during this Summer to the people around them if there is any evidence or case of  aquatic food poverty reduction.

For those who have stories with hard evidence on this matter, they can as well add their inputs by contacting CENFACS with their stories and or data.

For example, those who may have opportunity to talk to low-income households about their experience of aquatic food poverty, they can share their findings with us.  This is the same for those who have been involved in or running any pieces of research in the form of focus discussion group, a pilot research project, a survey, etc.

To follow the direction of poverty reduction via aquatic foods with us, please contact CENFACS.

 

 

Extra Messages

 

• Happiness, Healthiness and Wellness Journal – Creative Activity No. 5: Create Your Journal of Trust

• Summer 2024 Activities, Projects and Programmes: Help, Support and Assistance are AVAILABLE!

• Summer Triple Pack Is Still Running

 

 

• Happiness, Healthiness and Wellness Journal – Creative Activity No. 5: Create Your Journal of Trust

 

Polycrises of recent years may have perhaps made some people to be sceptical or lose trust in poverty reduction.  Yet, there is a need or reason to keep faith in the reduction and end of poverty.  There are grounds to believe that happiness, healthiness and wellness can always happen to those who are looking for them.

You can create your journal for any aspects of Summertime linked to trust.  You can explain your experiences, feelings and thoughts in terms of happiness, healthiness and wellness about trust over this Summer.  You can use surveys, metrics and data about trust to write your journal.

Your journal of trust can cover any of the following three areas: trust in poverty reduction, trust in people/communities/institutions and initiatives that build, develop and sustain trust.  Let us give some examples of what one can include in each of these journals.  But, before that it is better to highlight the relationships between happiness and trust, between healthiness and trust, between wellness and trust.

 

• • Relationships between Happiness and Trust, between Healthiness and Trust, between Wellness and Trust

 

• • • Relationships between Happiness and Trust

 

There could be link between happiness and trust.  There is a number of resources that mention this link.  One of them is ‘happyondemand.com’ (8) that explains this:

“Studies indicate that trust is a primary prediction of relationship satisfaction and happiness.  When trust is present in a relationship, individuals feel safe, secure, and valued.  This fosters a positive emotional environment that contributes to happiness and well-being”.

From this explanation, one can explain their experiences, feelings and thoughts in terms of happiness about trust over this Summer.

 

• • • Relationships between Healthiness and Trust

 

There are many real life stories showing that the relationships between healthiness and trust can happen.

For example, Nguyen and Pervan (9) in the literature review and hypothesis development regarding ‘The Relationship between Food Healthiness, Trust and the Intention to Reuse Food Delivery Apps’ written by Kyung-A Sun and Joonho Moon, they explain that food healthiness (i.e., consumers’ perceptions of whether food in the market promotes health conditions) can be associated with consumer trust (that is, assessment of consumer perception of corporate social responsibility).

From the above example and other ones, one can explain their experiences, feelings and thoughts in terms of healthiness about trust over this Summer.

 

• • • Relationships between Wellness and Trust

 

There is evidence on the association between trust and individual well-being.  Trust plays an important role in promoting well-being.

One can provide evidence by explaining their experiences, feelings and thoughts in terms of wellness about trust over this Summer.

One can go further in their journal of trust by writing on poverty reduction, people and communities they belong to, initiatives to develop trust, projects to build forward together trust, etc.

 

• • Journal of Trust in Poverty Reduction

 

You can record your thoughts, feelings, experiences, souvenirs and memories about the following:

 

promoting trust where trust is lost; dealing with disinformation and distrust about poverty reduction; struggling to cope with trust in poverty reduction, etc.

 

• • Journal of Trust in People and Communities

 

You can record your thoughts, feelings, experiences, souvenirs and memories about the following:

 

correcting inaccuracies and misinformation; stopping the spread of false information or the pollution news within your community/network; building trust with people through transparency; speaking about the most trusted person in your community; talking about faith in your social networks (e.g., family and friends), etc.

 

• • Journal of Initiatives to Develop Trust

 

You can record your thoughts, feelings, experiences, souvenirs and memories about the following:

 

building and protecting standards of trust; rebuilding trust in each other; explaining interactive initiatives you have taken to protect trust; monitoring and collecting feedbacks to track changes in trust, etc.

 

• • Journal of Projects to Build Forward Together Trust

 

You can record your thoughts, feelings, experiences, souvenirs and memories about the following:

 

not supporting a return to the endemic structural disadvantages and inequalities; transforming your relationship with nature; dismantling structures of discrimination that disadvantage poor people; and building on the moral and legal framework of human rights that places human dignity at the heart of policy and action, etc.

 

The above four areas are just an example of the many about trust and journals of trust.  If you have a different area of interest in trust that you would like to write on for your Summer journal, please feel free to do it.

 

• • Impact Record and Share of Your Journal of Trust

 

You can impact record your thoughts, feelings, experiences, souvenirs and memories in relation to happiness, healthiness and wellness about trust over this Summer.  This can be recorded in your journal and be shared by the end of Summer 2024.

To impact share the contents of your journal of happiness, healthiness and wellness relating to happy, healthy, good and trustful Summer 2024; as well as to help build a better Summer holiday experience, you can contact CENFACS.

 

 

• Summer 2024 Activities, Projects and Programmes: Help, Support and Assistance are AVAILABLE!

 

We believe that everybody is enjoying their Summer break wherever they are and whatever they are doing, despite the lingering effects of the polycrises, extreme temperatures and the cost-of-living crisis.

We also hope that those who are working over this Summer are getting on well with their work while finding some space to accommodate and enjoy the good weather of Summer.

We finally trust that Summer 2024 Happiness, Healthiness and Wellness Projects, including other Summer activities and programmes we have offered so far, are meeting the community’s need to well, happily and healthily pass this Summer.

For those who need any help, support and assistance regarding any of the aspects of the Happiness, Healthiness and Wellness Projects or any other Summer activities or programmes which are on offer, they should not hesitate to contact CENFACS.

We would like to reiterate our wish to all multi-dimensional Poor Children, Young People and Families of Happy, Healthy, Good, Vulnerability-free, Peaceful, Safe and Sustainable Summer Days.

 

 

• Summer Triple Pack Is Still Running

 

Our Summer Triple Pack made of TrackTrip and Trending continues this week.  The key message we would like to get across this Triple Pack is to try to help reduce poverty by undertaking any of these three activities: running, visiting projects and analysing trends.  Let us make some reminding points about each of them.

 

• • Healthy, Safe and Net Zero Track to Help Reduce Poverty

 

This activity (Transition Activity 8.1) of the pack is about Safely, Healthily and Net Zero Run 2.5 miles (nearly 4 km) with people in need to create user-generated information giving opportunity while talking to them during the run and supporting them to improve their coping strategies for their good wellness

For those who have completed their 2.5 miles of running with people, please do not hesitate to share with us your experience.  This activity is also performed under August 2024 Transition Year/Project (Activity 8.1).

For those who are deprived to physically run, they can virtually run to help reduce poverty with CENFACS.  Among them are people who may be experiencing handicap to do physical activity of running to help reduce poverty.  One could include the following in their list:

 

People or parents caring for very young children, pregnant women, elderly people, disable people, those who are not physically fit or mobile to run, those who do not have opportunity to physically run, etc. 

 

If you are organising this kind of virtual activity or event, let us know.  It is also better to advise us that the people participating in the virtual run are the physically deprived ones we have listed above or they have a serious handicap prohibiting them from undertaking any physical engagement.

 

• • Virtual or In-person Trips or Tours of 3 Influencing Projects or Activities

 

As part of Transition Year’s/Project Activities of the month and Transition Activity 8.2, we have suggested to Undertake Virtual or In-person Visits or Tours of 3 Transition projects or activities; projects or activities based on transition facts, information and skills acquired through experience or education, and which use transition methodology and tools to support people this Summer 2024.

These virtual visits are not only online recreational activities.  They are also a learning and development opportunity in terms of understanding the following:

 

√ The way in which people or communities living with the lingering effects of the polycrises, particularly those who are undertaking coping and survival strategies, are dealing with these effects as well as poverty and vulnerability induced by other crises

√ What is needed to help them transition away from the problems they have

√ What lessons that can be learnt and shared from their sensory experiences and knowledge-based projects to improve future actions, planning and decision-making processes

√ The demand in terms of policy development and response to meet similar needs in the future.

 

Furthermore, Virtual Trip as part of our Summer Triple Pack includes field work research in Africa and anywhere else in the context of poverty relief and sustainable development projects.

For those who are having or have had these experiences and results of field work research, please do not hesitate to share them.

 

• • Online Trending Activity by Following the Direction of Poverty Reduction via Aquatic Foods

 

As part of CENFACS’ Transition Year and Project and Activity 8.3, we have asked to those who can to carry out online search to find 6 Trends in poverty reduction for projects that are helping people to transition out of poverty.

The above mentioned Summer Triple Pack  can be contextualised by considering the lingering impacts of the polycrises, extreme temperatures and the damaging effects of the squeeze in household expenditure.

 

 

Message in French (Message en français)

 

• Retours d’information tout-en-un avec impact: Rapport sur les rapports

Le mois dernier était notre mois de l’Analytique et de l’Impact.  Dans le cadre du mois de l’Analytique et de l’Impact, nous avons demandé à certain(e)s d’entre vous de nous faire part de leurs expériences concernant les projets et programmes que nous avons mis en œuvre au cours du dernier exercice financier.

Nous avons demandé deux retours d’expérience: les commentaires d’individus en tant que soutiens et utilisateurs de programmes et de projets, ainsi que les commentaires d’organisations (organisations sœurs basées en Afrique).  Certain(e)s d’entre vous ont répondu et d’autres n’ont pas répondu.  Nous tenons à remercier ceux et celles qui ont répondu.

Pour ceux et celles qui ont répondu et nous ont donné leurs coordonnées, ils/elles seront contacté(e)s et recevront une copie du rapport mentionné ci-dessus.

Nous profitons de l’occasion pour les remercier encore une fois pour leur soutien témoignant et expérientiel.

 

Main Development

 

Financial Updates – In Focus for 2024 Edition: Financial Choices Made by the Poor

 

The 2024 Edition of Summer Financial Updates (SFU) is concerned with how users and project beneficiaries choose among the alternatives available to them.  It deals with scarcity, opportunity cost and choices made by the poor regarding their financial matter.

To enable readers extirpate the contents of this edition, we have provided below the key highlights about financial choices made by the poor.

 

• • Key Highlights of This Year’s Edition of Summer Financial Updates 

 

The following headings contain the main points highlighted in this Year’s SFU:

 

∝ What is financial choice?

∝ Financial strategic choice

∝ Working with those without or with very little financial choice

∝ Guidance, tips and hints to make a good financial choice

∝ Evaluation of financial choices/options

∝ Selection of the best financial option

∝ Relationships between happiness and financial choice, between healthiness and financial choice, between wellness and financial choice

∝ Improving the relationship between financial choice and poverty reduction

∝ Working with users to empower them with financial choice tools and achieve the goal of financial poverty reduction

 

Let us unpack the above headings.

 

• • What Is Financial Choice?

 

To explain financial choice, it is better to start with choice.

Choice theory, which was developed by the psychiatrist William Glasser quoted by ‘chopra.com’ (10), says that people have direct control over the acting and thinking components of their behaviour.

To this explanation of choice, we can add the philosophical view of choice given by ‘britannica.com’ (11), which is

“Choice, in philosophy, is the supposed ability to freely decide between alternatives.  Choice is a corollary of the tradition notion of free will, understood as the supposed power or capacity of humans to make decisions or perform actions independently of any prior event in or state the universe”.

Choice can also be financial.  Financial choice refers to the process of making decisions related to money and investments.  It involves evaluating options and selecting the best course of action based on financial goals and circumstances.

The above-mentioned definitions of choice are all summarised in the 2024 Edition of SFU.  This Edition is a resource that supports project beneficiaries as they act to decide what they want from a set of financial options.   They may want to undertake a financial strategic choice.

 

• • Financial Strategic Choice

 

To make a financial choice, one may need strategic analysis linked to their financial choice.  Financial strategic choice is thus the strategy chosen out of available alternatives for attaining users’/project beneficiaries’ objectives.

For instance, ‘kfknowledgebank.kaplan.co.uk’ (12) explains that there are 3 techniques for evaluating specific options for organisations, which are:

 

a) Generation of strategic options

b) Evaluation of the options to assess their relative merits and feasibility

c) Selection of the strategy or option that the organisation will pursue.

 

These techniques can be adapted to individuals and be applied by our users/project beneficiaries.  In this respect, CENFACS can work with them to generate financial strategic options that are suitable, acceptable and feasible for them.

 

• • Working with Those Without or With Very Little Financial Choice

 

To have financial choices, it means having financial knowledge and decision-making skills to decide on your financial matters.  Do poor people have the required financial knowledge and decision-making skills they need to decide?  This is a controversial question.  For some, they have them.  For others, they have not.  For other more, the answer is 50-50.

For the members of the CENFACS Community who have problems to make a financial choice, CENFACS can work with them so that they can acquire the skills they need to make a better financial choice or they can improve their existing financial choice skills and capacity.  This is because poverty can be also the lack of skills or capacity to make a good financial choice.

 

 

• • Guidance, Tips and Hints (GTH) to Make a Good Financial Choice

 

GTH includes help, advice, counselling, signposts, referrals and pieces of useful information that CENFACS can provide to its members/users/project beneficiaries so that they can make a good financial choice.

For example, if we refer to ways of improving people’s financial decision making given by ‘newretirement.com’ (13), GTH could be about the following:

 

σ how to choose a financial plan that suits you to make a good financial decision

σ choosing rationality

σ opting for the right algorithm for your financial decision (e.g., the New Retirement Planner that helps make a good financial choice)

σ having a system of choices before making a financial decision

σ foresight of various possible outcomes

σ considering your ‘regret’ attitude before choosing

etc.

 

GTH also includes information on decision support technologies.  These are technologies for supporting people to make decisions or choices.

For those members of our community, users and project beneficiaries who are in need of guidance, tips and pieces of information about a good financial choice, they can contact CENFACS.

For those who would like to access the GTH about their financial choice, they are welcome to communicate with CENFACS.

 

• • Evaluation of Financial Choices/Options

 

Financial choices or options need to be evaluated.  What does this evaluation involve?  According to ‘wallstreetmojo.com’ (14),

“Evaluating financial choices or options involves financial data evaluation like funding sources, cash flows and investment opportunities to understand the existing financial situation”.

For example, one can refer to the tool suggested by the ‘consumerfinance.gov’ (15), the financial empowerment self-assessment tool to better understand their own financial knowledge, skills, and overall confidence.

 

• • Selection of the Best Financial Option

 

To select the best financial option, it requires knowing the financial decision-making process.  But, what is a financial decision-making process?

According to ‘financestrategists.com’ (16),

“The financial decision-making process refers to the series or steps that individuals or businesses undertake to identify, evaluate, and select among different financial alternatives or options.  Steps in the financial decision-making process include: identification of financial goals, gathering relevant financial information, analysis of financial data, development of alternative solutions, selection of the best financial strategy, implementation of the selected strategy, monitoring and evaluation of the decision”.

This process will enable individuals (here the poor) to decide what they want from a set of financial options.

 

 

• • Relationships between Happiness and Financial Choice, between Healthiness and Financial Choice, between Wellness and Financial Choice

 

Financial choices we make can leave us happy or unhappy.  They can keep us healthy or unhealthy.  They can make us feel well or unwell.  Because of the consequences of our financial choices, it is worth for us o explore the relationships between happiness and financial choice, between healthiness and financial choice, between wellness and financial choice.  In simple terms, we may try to answer the following questions:

 

Q1: How happy are we about the financial choices we have made or not made?

Q2: How healthy do we feel further to the financial choices we have made?

Q3: How well do we feel after making some financial choices?

 

If we feel happy, healthy and well after making financial choices, we could argue that there are correlations between happiness and financial choice, between healthiness and financial choice, between wellness and financial choice.  If we feel unhappy, unhealthy and unwell; there are reasons to believe there are no correlations.  However, we may need our own data to explain these three examples of correlations.

We can work with our members or users or project beneficiaries on the above-mentioned relationships.

 

• • Improving the Relationship between Financial Choice and Poverty Reduction

 

The study of the way in which people make their financial choices can help to understand or to get insights if there is any relationship between their choices and the financial difficulties they are experiencing.  In other words, it is about establishing if there is any correlation between their financial choices and efforts to reduce financial poverty they are undergoing.  In this study, the attempt is to improve the relationship between financial choices of our members and their efforts to come out financial poverty.

Through the types of financial choices they make, CENFACS will work with them to explore ways of improving this relationship between their choices and the efforts they are deploying to reduce poverty.

For example, if one is experiencing poverty as loneliness due to their financial choices, then there are ways of improving their financial choices to reduce poverty as loneliness.  Likewise, if one is has impulsive buying attitude, it is possible to improve their attitude to choose financial option away from this attitude.

 

 

• • Working with Users to Empower them with Financial Choice Tools and Achieve the Goal of Financial Poverty Reduction

 

The all purpose of SFU is not to provide theories or descriptions or even assumptions.  Instead, SFU as a resource is designed to capacitate the CENFACS Community to address challenging issues they face.  In this case, the challenging issue is how to make a good financial choice to reduce poverty.

In this exercise of addressing challenges, our members are not let alone.  CENFACS can work with them to enhance financial choice-making skills so that they can make the right and best possible choice from a wide range of options.

CENFACS can work with them to accomplish specific tasks to deal with their financial choice, in particular to accompany them in their financial decision-making journey so that they can better identify, evaluate, and select amongst the different financial alternatives or options.

CENFACS can conduct needs assessment with them and find out whether we can employ financial choice tools that can enable them to make conscious financial choices.  One of these tools is provided by ‘financialgym.com’ (17), which is the wealth nourishment pyramid.  According to ‘financialgym.com’,

“Wealth nourishment pyramid is an intuitive model or tool that helps the different areas of our lives that we want to infuse with energy.  It is about wealth viewed in four ways: our needs, our well-being, our treats and our gifts”.

We can as well utilise key performance indicators such as life happiness index, financial independence number, net worth, financial health index, etc. to support them make a consciously good financial choice in their life.

For those who need help with their financial choices, we can work together towards their financial strategic analysis and support them to choose the best financial option.

The above highlights are just a selection of some of matters raised in this year’s SFU

For those who need help to sort out their financial choice-making process, they are welcome to contact CENFACS

Likewise, those who want to read this year’s resource of SFU beyond the aforementioned highlights, they can as well contact CENFACS.

_________

 

 References

 

(1) https://www.financestrategists.com/financial-advisor/financial-planning/financial-plan-updates (accessed in August 2024)

(2) https://www.consumerfinance.gov/consumer-tools/educator-tools/youth-financial-education/learn/financial-knowledge-decision-making-skills/ (accessed in June 2024)

(3) https://www.who.int (accessed in August 2024)

(4) https://www.who.int/news/item/14-08-2024-who-director-general-declares-mpox-outbreak-a-public-health-emergency-of-international-concern (accessed in August 2024)

(5) https://reliefweb.int/report/democratic-republic-congo/irc-launches-emergency-response-mpox-outbreak-drc-spreads (accessed in August 2024) 

(6) https://devinit.org/resources/food-poverty-global-regional-and-national/ (accessed in August 2024),

(7) Tigchelaar, M., Cheung, W. W. L., Mohammed, E. Y. et al. Compound climate risks threaten aquatic food system benefits. Nat Food 2, 673-682 (2021) available at https://doi.org/10.1038/s43016-021-00368(accessed in August 2024)

(8) https://happyondemand.com/happiness-in-relationships/ (accessed in August 2024) 

(9) https://www.mdpi.com/2304-8158/13/6/890 (accessed in August 2024)

(10) https://chopra.com/blogs/personal-growth/the-psychology-behind-choice-making-and-how-it-can-help-you-reach-your-goals (accessed in August 2024)

(11) https://www.britannica.com/topic/choice (accessed in August 2024)

(12) https://kfknowledgebank.kaplan.co.uk/business-strategy/strategic-choice (accessed in August 2024)

(13) https://www.newretirement.com/retirement/financial-decision-making/ (accessed in August 2024)

(14) https://www.wallstreetmojo.com/financial-decision-making/ (accessed in August 2024),

(15) https://files.consumerfinance.gov/f/documents/cfpb_your-money-your-goals-_fin-empowerment_tool_2018-IT.pdf (accessed in August 2024)

(16) https://www.financestrategists.com/financial-advisor/financial-planning/financial-decision-making-process (accessed in August 2024),

(17) https://financialgym.com/blog/2020/11/18/how-to-make-conscious-financial-choices (accessed in August 2024)

_________

 

• Help CENFACS Keep the Poverty Relief Work Going This Year

 

We do our work on a very small budget and on a voluntary basis.  Making a donation will show us you value our work and support CENFACS’ work, which is currently offered as a free service.

One could also consider a recurring donation to CENFACS in the future.

Additionally, we would like to inform you that planned gifting is always an option for giving at CENFACS.  Likewise, CENFACS accepts matching gifts from companies running a gift-matching programme.

Donate to support CENFACS!

FOR ONLY £1, YOU CAN SUPPORT CENFACS AND CENFACS’ NOBLE AND BEAUTIFUL CAUSES OF POVERTY REDUCTION.

JUST GO TO: Support Causes – (cenfacs.org.uk)

Thank you for visiting CENFACS website and reading this post.

Thank you as well to those who made or make comments about our weekly posts.

We look forward to receiving your regular visits and continuing support throughout 2024 and beyond.

With many thanks.

African Charities Investment Management and Poverty Reduction

Welcome to CENFACS’ Online Diary!

14 August 2024

 

Post No. 365

 

 

The Week’s Contents

 

• FACS Issue No. 84, Summer 2024: African Charities Investment Management and Poverty Reduction

• Following the Direction of Poverty Reduction This Summer via Aquatic Foods, Trending Topic in Focus from Wednesday 14/08/2024: Low-climate Impact of Aquatic Foods

• Happiness, Healthiness and Wellness Journal 2024, Creative Activity 4: Create Your Journal of Real Disposable Incomes

 

… And much more!

 

 

Key Messages

 

• FACS Issue No. 84, Summer 2024: African Charities Investment Management and Poverty Reduction

 

Like any charity, Africa-based charities make investment decisions.  However, they would act within their charity power to invest and according to their governing documents (i.e., articles of association).  It is this type of investment that their investment managers are able to decide and make that the 84th Issue of FACS is concerned with.

The Issue 84 deals with strategy to manage investment risks; strategy that consists of spreading investments across asset classes and industries. In doing so, this strategy allows to balance returns on investment and concerns on the same investments.

The Issue 84 is also be a story of Africa-based charities’ care and skills in investment decisions.  In particular, emphasis is put on investment managers of these charities, on how they manage portfolio and deal with investment policies while supporting their organisations to measure risk tolerance relating to investments and reduce the impact of adverse economic change on portfolios and to continue to meet the needs of the poor.  They can advise their organisations to invest in mixed assets funds or national equity funds or global equity funds or fixed interest funds or property and cash funds or green bonds.

Because we are talking about charities, investment management is looked at in its capacity of helping these charities to achieve their charitable mission, particularly but not limited to poverty reduction.  This is so crucial in challenging times like of those systemic crises namely the health disaster (e.g., coronavirus) and other major shocks such as debt crisis in Africa.  In these exceptional times, a good investment management can provide the foundations for resilience against these systemic crises or shocks.

To achieve their mission via investment management, CENFACS‘ Africa-based Sister Organisations have investment options from which they can choose.  The 84th Issue explores these options together the fund management houses in Africa, in particular how they can be helpful in responding to Africa-based Sister Organisations’ (ASOs’) investment strategic plan.

Without providing specialist advice on investment management to African charities, the Issue No. 84 is a general advice clinic for those ASOs that would like to take investment management path seriously to help them achieve their mission without having to continuously worry if they have some lump of sum kept away from present expenditure in the hope to receive a reward.

To get inside scoop on the Issue No. 84, please read under the Main Development section of this post the key summaries we have provided about them.

 

 

• Following the Direction of Poverty Reduction This Summer via Aquatic Foods, Trending Topic in Focus from Wednesday 14/08/2024: Low-climate Impact of Aquatic Foods

 

The second trending topic will be approached by briefly explaining low-climate impact and highlighting the role of aquatic foods in climate action.

 

• • Brief Explanation of Low-climate Impact

 

Climate impacts are the phenomena or events like storms, floods, extreme heat, droughts, and wildfires.  The repercussions of these events can be high, moderate and low.  Low-climate impacts provide the opportunities to avoid or reduce greenhouse gas emissions.

For example, small pelagic fish such as anchovies, sardines and low trophic level species generate fewer greenhouse gases.  Because of the fewer greenhouse gases emission from this type of fish, particular attention can be put on fisheries and aquaculture.  Indeed, sustainable and climate-resilient fisheries and aquaculture management can help limit the impacts of climate change.  Foods coming from fisheries and aquaculture can play a role in climate action.

 

• • The Role of Aquatic Foods in Climate Action

 

Aquatic foods (foods which derived from marine animals, plants and algae) play an active role in climate action as many studies show.  Aquatic foods provide critical climate solutions.  It is important to integrate these solutions in any strategy to reduce food poverty.

Because the work of CENFACS is on poverty reduction, we are interested in the second trending topic, mostly in the aspects or attributes constituting the role of aquatic foods in climate action; aspects or attributes that relate to poverty reduction.  In particular, we are following the direction of poverty reduction via aquatic foods in their role in climate action or low-climate impact.

So, aquatic food sector is a key to the low-carbon transition as it has a low-climate impact.  Aquatic ecosystems offer promising solutions to the climate crisis and poverty reduction.

The above is our trending work from Wednesday 14 to 20/08/2024.

To follow with us the direction of poverty reduction via aquatic foods, please contact CENFACS.

 

 

• Happiness, Healthiness and Wellness Journal 2024, Creative Activity 4: Create Your Journal of Real Disposable Incomes

 

There are relationships between happiness and income, between healthiness and income, between wellness and income.  One can express these relationships through the production of a journal.  Before embarking on journaling, let us briefly explain these relationships.

 

• • Relationship between Happiness and Income

 

Regarding this relationship, Laura Kudrna and Kostadim Kushlev (1) explain the following:

“More income provides people with opportunities and, sometimes, capabilities to consume more and thus satisfy more of their preferences, meet their desires and obtain more of what they want and need.  These are all reasons to assume that higher income will bring greater happiness – or, at least, that low income will bring low happiness”.

Kudrna and Kushlev also argue that

“Some research challenges the assumption that earning more should lead to greater happiness”.

One can use the explanation and argument of Kudrna and Kushlev to journal their own experiences, feelings and thoughts in terms of the relationship between happiness and their income.

 

• • Relationship between Healthiness and Income

 

There are many studies about the relationship between health and income.  One of them was by ‘health.org.uk’ (2) in 2021, which explained that

“44% of people on the lowest income rate their health as fair, bad or very bad (less than good).  In the middle (the fifth income decile) this figure is 25% and for people on the highest incomes the figure is 12%.  Across the income spectrum, higher incomes are associated with better self-reported health”.

Likewise, ‘healthaffairs.org’ (3) talking about the USA case argues that

“There is an extensive body of research examining the relationship between income and health, and this evidence, both correlational and causal, predominantly finds that higher income is associated with better health.  Findings from large-scale observational studies indicate that people with lower incomes have shorter lifespans and greater morbidity relative to those with higher incomes and that these health risks are greatest amongst people living in poverty”.

From the explanation of ‘health.org.uk’, ‘healthaffairs.org’ and other ones, one can write about their own experiences, feelings and thoughts in terms of the relationship between their health and income.

 

• • Relationship between Wellness and Income

 

To explain this relationship, let us first define wellness.  One of its definitions comes from the Global Wellness Institute (4), which argues that

“Wellness is the active pursuit of activities, choices and lifestyles that lead to a state of holistic health”.

There could be links between the choices we make about our lives and holistic health, between our lifestyles and holistic health, between the activities we undertake and holistic health.

Those who would like to narrate their own experiences, feelings and thoughts in terms of their wellness and income, they can journal their perspective.

When speaking about income, we mean real disposable income.  But, what is real disposable income?

 

• • Understanding Real Disposable Income to Create Your Journal of Happiness, Healthiness and Wellness

 

Generally, income is any earning in the form of wages and salaries, the return of investments, pension contributions, and other receipts (such as profit, interest, dividend, rent, capital gains, royalties, etc.).  This income can be real disposable.  What is a real disposable income?

Using the definition provided by ‘tutor2u.net’ (5), real disposable income is

“The amount of money an individual or household has available to spend or save after accounting for taxes and adjusting for inflation.  It is a key measure of the purchasing power and economic well-being of individuals or households”.

One can refer to this definition of real disposable income to create their Journal of Happiness, Healthiness and Wellness.

 

• • An Example of Way of Creating a Journal of Real Disposable Income

 

One can explain how with restricted or limited income they have been able to meet Summer 2024 holiday expenses or simply do the things they wanted or planned to do with happiness, healthiness ad wellness.  They can as well include in their journal any efforts they undertook to make extra income to meet their Summer living costs or improve their economic well-being.  They could finally impact share their story if they received or given any financial help.

 

• • Impact Record and Share of Your Journal of Real Disposable Income

 

They can impact record their thoughts, feelings, experiences, souvenirs and memories in relation to real disposable income and income-generating capacity or opportunities.  They can impact share with the community their experience of happiness, healthiness and wellness with income.  This can be recorded in their journal and be shared by the end of Summer 2024.

To impact share the contents of their happiness, healthiness and wellness journal relating to real disposable income and income-generation, to happy, healthy and good financial life via income, and help build a better Summer holiday experience; they can contact CENFACS.

 

 

Extra Messages

 

• Online TRACK to CENFACS Zero-Waste e-charity Summer Shop for Summer Goods Donations and Buys: Turn Your Waste into Relief for Others

• Virtual and In-person Trips for Fieldwork Research

• CENFACS’ be.Africa Forum e-discusses Sports World Order and Poverty Reduction in Africa

 

 

• Online TRACK to CENFACS Zero-Waste e-charity Summer Shop for Summer Goods Donations and Buys: Turn Your Waste into Relief for Others

 

Every season is an opportunity to do something about the environment and poverty.

You can recycle or donate your unwanted or unused goods and presents to do something about the environment and or poverty.

You can also buy goods to meet the same ends.

This Summer you can online track CENFACS e-charity shop to help the environment and poverty relief. You can turn your waste into relief for those in need.

If you are a fun of online tracking and shopping, you can take an online course of action or online path or even course of travel to save the environment and reduce poverty with CENFACS.

Instead of you in-person going to physically shop or donate your goods, you can from the comfort of your home buy or donate goods to CENFACS e-charity shop to help the beautiful and noble cause of poverty relief and sustainable development.

To support us either by shopping or supplying us with products or goods you no longer want or use so that we can sell and raise the money for the beautiful cause of poverty relief, please go to http://cenfacs.org.uk/shop/

 

 

• Virtual and In-person Trips for Fieldwork Research

 

Trips to the local need this week include as well those travels made or to be made to conduct fieldwork research in Africa and anywhere else in the context of poverty relief and sustainable development projects.

We recommend to those who want do trips for fieldwork research to take extra care in terms of health and safety.  Where health risks are nullified or minor, people can in-person visit local projects and those running them.  These trips can also be done virtually.

When in-person visiting projects and people, it is in the interest of everybody that they should take care of the following:

 

They have to be fully vaccinated and or negatively tested against any diseases that may threaten them

They should wear appropriate personal protective equipment to protect themselves and others against the coronavirus if the latter is still a major threat to health where they go

They should follow local, national and international rules related to the protection against any threatening disease or epidemic symptoms.

 

These fieldwork researches or practical experiences to gain knowledge and skills could be of varying forms such as observation and collection of raw data, interviews, focus group discussions, practical activities to support overseas development projects, etc.

If you are a researcher and did or are doing some fieldwork research on sustainable development and poverty reduction, and think that your work can enhance CENFACS’ work, you could share with us your experience, research findings or outcomes.

To share the experiences and results of your fieldwork research, just contact CENFACS and CENFACS will get back to you.

 

 

• CENFACS’ be.Africa Forum e-discusses Sports World Order and Poverty Reduction in Africa

 

Sports World Order can provide opportunities and openings for Africa, in particular to reduce poverty and enhance sustainable development.  In our programme of the discussion for the August 2024, we are dealing with the impacts of the World Order in sports on Africa, specifically on the reduction of poverty in Africa.

To tackle this e-discussion, one may need to know the meaning of sports world order.

 

• • What Is Sports World Order?

 

A way of explaining this is to start with the understanding of world order.  The website ‘pesd.princeton.edu’ (6) states that world order is both analytical and prescriptive concept.  According to ‘pesd.princeton.edu’,

“Analytically, world order refers to the arrangement of power and authority that provides the framework for the conduct of diplomacy and world politics on a global scale.  Prescriptively, world order refers to a preferred arrangement of power and authority that is associated with the realisation of such values as peace, economic growth and equity, human rights, and environmental quality and sustainability”.

From these definitions of world order, it is possible to argue that sports world order is prescriptively an arrangement of power and authority that is associated with the realisation of the values of peace, poverty reduction, friendship and equity in sports.  We have included poverty reduction as we believe that sports is also the vehicle to reduce poverty.  If this is the case, what can the sports world order do for the poor?

 

• • Sports World Order and Poverty Reduction

 

Sports World Order can work with Africa to further reduce poverty in Africa.  In other words, the arrangement of power and authority in terms of sports need to accompany the poor in Africa so that a big number of them can be lifted out of poverty.  The geopolitics and geo-economics of sports need to further integrate the needs and demands of the poor.  The organisation of sports systems and programmes should not limit itself to cultural and sport values.  It needs to cross the boundaries to be embodied by poverty reduction goals and targets without loosing its nature or essence.

The above is the terms of reference for our discussion.  Those who may be interested in this discussion of August 2024 can join in and or contribute by contacting CENFACS’ be.Africa, which is a forum for discussion on matters of poverty reduction and sustainable development in Africa and which acts on behalf of its members in making proposals or ideas for actions for a better Africa.

To communicate with CENFACS regarding this discussion, please use our usual contact details on this website.

 

 

Message in French (Message en français)

 

FACS Numéro 84, Été 2024: Gestion des investissements des organisations caritatives africaines et réduction de la pauvreté

Comme toute organisation caritative, les organisations caritatives basées en Afrique prennent des décisions d’investissement.  Cependant, elles agiraient dans le cadre de leur pouvoir d’investir et conformément à leurs documents constitutifs (c’est-à-dire les statuts de l’association).  C’est ce type d’investissement que leurs gestionnaires d’investissement sont en mesure de décider et de faire qui fait l’objet de la 84e édition de la FACS.

Le numéro 84 traite de la stratégie de gestion des risques d’investissement; stratégie qui consiste à répartir les investissements entre les classes d’actifs et les secteurs. Ce faisant, cette stratégie permet d’équilibrer les retours sur investissement et les préoccupations sur les mêmes investissements.

Le numéro 84 est également une histoire sur le soin et les compétences des organisations caritatives basées en Afrique dans les décisions d’investissement.  En particulier, l’accent est mis sur les gestionnaires d’investissement de ces organisations caritatives, sur la façon dont ils gèrent les portefeuilles et gèrent les politiques d’investissement, tout en aidant leurs organisations à mesurer la tolérance au risque liée aux investissements et à réduire l’impact des changements économiques négatifs sur les portefeuilles et à continuer à répondre aux besoins des pauvres.

Ils peuvent conseiller à leurs organisations d’investir dans des fonds d’actifs mixtes, des fonds d’actions nationales, des fonds d’actions mondiales, des fonds à intérêt fixe, des fonds immobiliers et de trésorerie ou des obligations vertes.

Comme il s’agit d’organismes de bienfaisance, la gestion des placements est considérée dans sa capacité d’aider ces organismes à réaliser leur mission de bienfaisance, en particulier, mais sans s’y limiter, la réduction de la pauvreté.  C’est tellement crucial en période difficile comme celle des crises systémiques, à savoir la catastrophe sanitaire (par exemple, le coronavirus) et d’autres chocs majeurs tels que la crise de la dette en Afrique.  En ces temps exceptionnels, une bonne gestion des investissements peut jeter les bases de la résilience face à ces crises ou chocs systémiques.

Pour réaliser leur mission par le biais de la gestion d’investissements, les organisations sœurs de CENFACS basées en Afrique disposent d’options d’investissement parmi lesquelles elles peuvent choisir.  Le numéro 84 explore ces options avec les sociétés de gestion de fonds en Afrique, en particulier comment elles peuvent être utiles pour répondre au plan stratégique d’investissement des organisations sœurs basées en Afrique (OSA).

Sans fournir de conseils spécialisés sur la gestion des investissements aux organisations caritatives africaines, le numéro 84 est une clinique de conseil général pour les OSA qui souhaitent prendre au sérieux la voie de la gestion des investissements pour les aider à réaliser leur mission sans avoir à s’inquiéter continuellement de savoir si elles ont une somme importante conservée à l’écart des dépenses actuelles dans l’espoir de recevoir une récompense.

Pour en savoir plus sur le numéro 84, veuillez contacter le CENFACS.

 

Pour soutenir, veuillez contacter le CENFACS.

Main Development

 

FACS Issue No. 84, Summer 2024: African Charities Investment Management and Poverty Reduction

 

The contents and key summaries of the 84th Issue of FACS are given below.

 

• • Contents and Pages

 

I. Key Terms Relating to the 84th Issue of FACS (Page 2)

II. Africa-based Sister Organisations (ASOs) and Advice on Investment Management (Page 2)

III. ASOs and Infrastructure Investment Management (Page 3)

IV. ASOs and Investment Policy Statement (Page 3)

V. ASOs and the Quantification of Their Investment Aims (Page 3)

VI. ASOs and Investment Priorities (Page 4)

VII. ASOs and Diversified Portfolio (Page 4)

VIII. Les Organisations sœurs basées en Afrique (OSA) et évaluation des risques d’investissement (Page 5)

IX. Les Organisations sœurs basées en Afrique et leurs objectifs d’investissement (Page 5)

X. Les Organisations sœurs basées en Afrique et leur sélection d’investissements (Page 6)

XI. Les Organisations sœurs basées en Afrique et le suivi de leurs investissements (Page 6)

XII. Survey, Testing Hypotheses, E-questionnaire and E-discussion on Charity Investment Management (Page 7)

XIII. Support, Tool and Metrics, Information and Guidance on Investment Management (Page 8)

XIV. Workshop, Focus Group and Booster Activity about Charity Investment Management and Poverty Reduction  (Page 9)

XV. Giving and Project (Page 10)

 

• • Key Summaries

 

Please find below the key summaries of the 84th Issue of FACS from page 2 to page 10.

 

• • • Key Terms Relating to the 84th Issue of FACS (Page 2)

 

There are five terms used in the context of this Issue of FACS.  These terms are financial investment, African charity investment management, risk tolerance, investment manager and poverty reduction.  Let us briefly explain these key terms.

 

• • • • Financial Investment

 

The 84th Issue of FACS deals with financial investment.  Financial investment is about investing with the ultimate objective of making money by one or both of the following: generating income from an investment and increasing the value of an investment (capital growth).

Like their counterparts in the other regions of the world, African charities can undertake the following financial investments: renting out a building or property, buying shares, and placing cash on deposit.  All depends on the legislation of the African countries where they operate or they want to undertake investment management.

 

• • • • African Charity Investment Management

 

Let us first start by explaining investment management.  To explain it, let us refer to what ‘nerdwallet.com’ (7) says about it, which is

“Investment management is the maintenance of an investment portfolio, or a collection of financial assets.  It can include purchasing and selling assets, creating short – or long-term investment strategies, overseeing a portfolio’s asset allocation and developing a tax strategy.  Portfolio management and asset management are other terms that also broadly refer to services that provide oversight of a client’s investments”.

From this definition of investment management, we can argue that African charity investment management is simply investment management that applies to or carried out by African charities.  However, let us emphasis that charity investment decisions in the UK are undertaken to further charity’s purposes, according to the UK Government (8).  In the UK Government’s spirit, it means that trustees are required to do what will best help their charity to carry out its purposes, both now and for the future.  African charities, particularly CENFACS‘ Africa-based Sister Organisations, can do the same depending on what the rules of the African government where they operate say.

 

 

• • • • Risk tolerance

 

Investment comes with risk that investor may or may not tolerate.  Risk tolerance is defined by ‘corporatefinanceinstitute.com’ (9) as

“The amount of loss an investor is prepared to handle while making an investment decision”.

The website ‘forbes.com’ (10) goes further by arguing that

“Risk tolerance is a measure of your comfort in assuming risk.  The more comfortable you are with risk, the less likely you are to be risk averse in investment decision-making and lower investment returns”.

Those who deal with investments (e.g., trustees or investment managers) in charity will be required to make a good judgement on the level of risk that the charity can tolerate.  They can as well use online risk tolerance calculator to guide them.

 

• • • • Investment manager

 

Investment management can be done independently or with an investment manager’s help or expertise.  Those Africa-based Organisations that will choose to have an investment manager, they need to be aware about what an investment manager can do for them (that is, investment manager’s job description and person specification).  They are required to know what an investment manager is.

According to ‘dbs.com’ (11),

“An investment manager is an individual or organisation who invests in security, portfolio on behalf their clients.  Also known as fund or asset managers”.

Investment managers for funds are broadly classified into three types: a) personal fund managers b) business fund managers c) corporate fund managers.

Investment managers in the context of the 84th Issue are charity fund managers.  They can give advice about planning and managing charity’s investments (advisory management).  They can as well have some powers to make investment decisions on charity’s behalf (discretionary management).

ASOs that can afford would employ an investment manger as part of their staff or hire outside investment manager.

 

• • • • Poverty reduction

 

Poverty reduction is any measure or effort to decrease this state in which resources are lacking.  It can be viewed from various angles.  Looking at poverty reduction from the monetary perspective, Y. A. Bununu (12) thinks that

“Poverty reduction can be considered as the improvement of an individual’s or group’s monetary expenditure to an amount above the poverty line while improving access to education, healthcare, information, economic opportunities, security of land-tenure, all the other deprivations associated with it”.

Taking a historical and intertemporal view of poverty reduction, the website ‘borgenproject.org’ (13) argues that poverty reduction is evolving concept.  It evolves from a simple to complex concept throughout the time to mean the following:

 

σ financial contributions to governments of poverty-stricken nations

σ achieving the goal of lifting as many people above the poverty line as possible

σ the extended relief programmes and education programmes focusing on sustainability in target communities.

 

The goalposts of poverty reduction keep moving depending on the types of hardship people face at a particular time of the history.

 

The above-named definitions shape the contents of the 84th Issue of FACS.  

 

• • • Africa-based Sister Organisations (ASOs) and Advice on Investment Management (Page 2)

 

ASOs can manage their investments by themselves (through their trustees or in-house investment managers) or seek advice on investment management from a third party (outside investment managers).

If they choose to hire outside investment managers, the latter will provide them with advice including advice on investment risk tolerance.  There are a number of organisations in Africa that are specialised in providing advice on investment management.  African Capital Alliance (14) is one of them.

Within CENFACS we can as well source advisory support for those ASOs looking for advice on how to manage investments.  This can done under CENFACS’ International Advice Service.  For those ASOs that are needing this sort of advice, they should hesitate to contact CENFACS.

 

• • • ASOs and Infrastructure Investment Management (Page 3)

 

For those ASOs that would like to get involved in infrastructure investment management activities, they can invest in private equity infrastructure funds and long-term institutional unlisted equity.

There are sectors in Africa in which they can hopefully invest in infrastructure projects.  These promising sectors include digital revolution (e.g., smart phone and mobile internet, cloud and fibre technologies), urbanisation (with many people moving to cities in Africa and looking for accommodation and other infrastructures to meet their needs), energy transition (with the need to electrify Africa’s huge population without electricity).

There are African infrastructure investment organisations working on these sectors and issues.  ASOs can approach these organisations to explore the possibility of investing.  Among them is African Infrastructure Investment Managers (15).

 

• • • ASOs and Investment Policy Statement (Page 3)

 

To invest, ASOs could be required to set up an investment policy statement if they do not have one or to revisit it if they have it.  Their investment policy statement needs to indicate where they want to go in terms of investments.  If ASOs can craft this policy by themselves is OK.  If they cannot, they can seek support from investment managers working with charities.

The policy and investment arrangements need to state the position of ASOs with regard to risk tolerance.  They are also required to indicate the suitability of investments in line with their strategy and income/capital return targets.  As ‘rathbones.com’ (16) puts it:

“An investment policy statement sets out a charity’s investment objectives and how it intends to achieve them, which in turn enables the trustees to demonstrate they have complied with their duties.  It also provides investment managers with a framework to make informed investment decisions within the charity’s parameters”.

 

• • • ASOs and the Quantification of Their Investment Aims (Page 3)

 

It is worth for ASOs to have quantified aims.  Whether ASOs work independently on investment management or use external investment managers, they need to set up the following:

 

∝ annual investment income

∝ a quantified risk budget

∝ meaningful targets to track and measure progress

∝ expected average total return over the long-term period

∝ the volatility of return to be experienced or the level of volatility tolerance

etc.

 

The above-mentioned quantified aims will equip them to monitor the performance of their investment management drive.

 

• • • ASOs and Investment Priorities (Page 4)

 

ASOs need to decide what they want to prioritise when investing or dealing with investment management.  They can choose between the different options.  They can prioritise income (how much income they would like to achieve), total return (the amount of yearly return they can expect from their investments) and relative risk (how much risk they are willing to take for the level of investment they are prepared to commit themselves).

So, prioritisation in terms of investing or investment management will enable those working on investment management for ASOs to better focus on what to work on and facilitate ASOs to accomplish their mission.  It means they will put in place a schedule for immediate investments which they can focus upon.

 

• • • ASOs and Diversified Portfolio (Page 4)

 

With a sound investment management, ASOs that have not already done so can build a diversified collection of financial securities comprising of short, medium and long term earnings.  The choice of portfolio will depend on the mix of income and capital growth that ASOs expect.  This will enable them to spread the risk associated to portfolio.  Such portfolio will provide to them the possibility of bearing a minimum amount of risk for a certain level of investment return.  No matter the size of ASOs, it is good for ASOs that have not diversified their portfolio to start doing it.

So, regardless of their size, ASOs can build and diversify their financial portfolio to meet their objectives, values and in line with their risk profile.  They can do it by themselves if they have the competency and capacity in portfolio management or they can appoint an portfolio/asset class specialist.

 

• • •  Les Organisations sœurs basées en Afrique (OSA) et évaluation des risques d’investissement (Page 5)

 

Tout investissement comporte des risques.  Il est bon d’évaluer ce risque avant de se lancer dans l’investissement.  Les ASO peuvent utiliser le cycle d’évaluation des risques pour gérer leur investissement.  Il peut s’agir de différents types.

Par exemple, au Royaume-Uni, le gouvernement (17) a adopté le modèle d’évaluation des risques suivant pour les organismes de bienfaisance, qui consiste en

 

∝ Identifier, évaluer et hiérarchiser les risques

∝  Concevoir des systèmes et des procédures pour atténuer les risques

∝  Former le personnel et mettre en œuvre des systèmes et des procédures

∝  Surveiller et examiner les performances.

 

En fonction de l’endroit où chaque ASO intervient en Afrique et de ses compétences, elles peuvent appliquer le modèle d’identification, de quantification, d’évaluation et de gestion des risques et incertitudes potentiels qui leur convient et qui répond aux besoins locaux.

 

• • • Les Organisations sœurs basées en Afrique et leurs objectifs d’investissement (Page 5)

 

Pour investir, les ASO peuvent définir clairement leurs objectifs d’investissement.  Les objectifs d’investissement définissent la direction que ces organisations souhaitent prendre.  Comme le dit ‘bestrategicplanning.com’ (18)

“Les objectifs d’investissement font référence aux objectifs ou aspirations financières spécifiques que les individus, les entreprises et les investisseurs se fixent tous pour leurs entreprises d’investissement.  Ces objectifs aident à établir un sentiment d’orientation et de but dans le domaine de l’investissement, en guidant les décisions sur où et comment investir de l’argent”.

Ainsi, les ASO qui ont besoin d’investir ou de maintenir leurs investissements, elles doivent également développer des objectifs d’investissement clairs et essayer d’adapter ces objectifs à la réalité du marché et du monde de la réduction de la pauvreté.

 

• • • Les Organisations sœurs basées en Afrique et leur sélection d’investissements (Page 6)

 

Comme toute organisation, les ASO ont leur vision, leur mission, leurs buts et objectifs.  Lorsqu’il s’agit d’identifier et de choisir les types d’investissements qu’elles aimeraient entreprendre, il est préférable pour elles de sélectionner ceux qui correspondent à leur vision, à leur mission, à leurs buts et à leurs objectifs.

Cette sélection minutieuse permettra d’éviter les conflits entre la sélection de leurs investissements et leur vision, leur mission, leurs buts et objectifs.  Cela les aidera également dans la manière dont elles s’engagent avec les différentes parties prenantes impliquées dans leur campagne d’investissement.  Cette sélection inclura également le niveau de tolérance qu’elles ont pour un risque donné.

 

• • • Les Organisations sœurs basées en Afrique et le suivi de leurs investissements (Page 6)

 

Le suivi de la performance d’un investissement au fil du temps est crucial pour les ASO.  Ce suivi doit être un processus continu.  C’est aussi le processus d’évaluation de la performance du portefeuille d’investissement.  Cependant, ce processus n’aura de valeur que s’il s’aligne sur la mission, les objectifs financiers et la tolérance au risque des ASO.

Le suivi collectera et enregistrera régulièrement des informations sur les investissements en fonction du temps que les ASO fixent pour suivre leurs investissements.

Il y a des organismes de surveillance des investissements qui sont familiers avec ce type d’exercice de surveillance ou de suivi des investissements, en particulier ceux qui ont mis en place un système à cet effet.  Pour ceux qui ne sont pas familiers avec le suivi des investissements, il n’est pas tard pour demander de l’aide.

 

 

• • •  Survey, Testing Hypotheses, E-questionnaire and E-discussion on Charity Investment Management (Page 7)

 

• • • • Survey on investment and their substitution effect

 

Charity investment can be a viable option for African charities to generate extra income or grow their capital from financial investment to achieve their mission.

The purpose of this survey is to collect information from a sample of our Africa-based Sister Organisations and community members regarding their perception on charity investment and their substitution effect compared to other ways of raising funds.

Participation to this survey is voluntary.

As part of the survey, we are running a questionnaire which contains some questions.  One of these questions is:

 

Q: Is investment management the best option for African charities looking to maintain a financial portfolio and collection of financial assets that align with their poverty reduction goals?

 

You can respond and directly send your answer to CENFACS.

 

 

• • • • Testing hypotheses about charity investments to poverty reduction

 

According to the Scottish Charity Regular (19),

“Charity’s investments can involve a range of assets, such as a building from which you receive rental income, cash placed on deposit which generated interest, a portfolio of stocks, shares and other assets, or a right to income from other asset, for example royalty income arising from owning the copyright to a book”.

Considering this spectrum of investments, one can conduct the following test:

 

∝ Null Hypothesis (Ho): There is a correlation between charity’s return on investments and its contribution to its cause.

∝ Alternative Hypothesis (H1): There is not a correlation between charity’s return on investments and its contribution to its cause.

 

The above test is for those of our members who would like to dive deep into charity’s investments and their impact on its cause.  In order to conduct these tests, one needs data on charity’s return on investments and to know the charity cause they are talking about.

 

• • • • E-question on your view about charity financial investment

 

Financial investment is about investing with the ultimate objective of making money.  Any money made via this way is called a financial return.  This can raise the following question:

Q: Is charity financial investment helpful in furthering charity’s purposes or simply moving charities away from their founding mission?

Any of our readers and users can answer the above-mentioned question.  You can provide your answer directly to CENFACS.

For those answering any of this question and needing first to discuss charity investment management, they can contact CENFACS.

 

• • • • E-discussion on risk tolerance

 

The e-discussion is about one’s ability to endure savings in investment returns and stock market fluctuations.  This is because many of our members have their own view about risk tolerance.  Some of them can assume high risk to invest.  Others are risk averse no matter the level of investments.  Others more can take average risk depending on circumstances.

For those who may have any views or thoughts or even experience to share with regard to this matter, they can join our e-discussion to exchange their views or thoughts or experience with others.

To e-discuss with us and others, please contact CENFACS.

 

 

• • • Support, Tool and Metrics, Information and Guidance on Investment Management (Page 8)

 

• • • • Ask CENFACS for Guidance regarding the reduction of poverty via investment management

 

An investment management, that is aligned with a charity’s mission and goal of poverty reduction, can help to narrow the wealth gap and build generational wealth to escape from intergenerational poverty.

For those ASOs who would like find out how they can align their investment management with their goals of poverty reduction, they can contact CENFACS.

CENFACS can work with them to explore ways of aligning their investment management strategy with their mission.

We can work with them under our International Advice-, Guidance- and Information-giving Service.  We can as well signpost them to organisations working on charity investment management matter.

Need advice, guidance and information; please contact CENFACS for support.

 

• • • • Tools and metrics of the 84th Issue of FACS

 

The 84th Issue of FACS is concerned with four types of tools or metrics which are: return on investment, surplus margin, earned income and poverty gap ratio.

Let us briefly explain these tools or metrics.

 

 

• • • • • Investment tool and metrics: Return on Investment

 

The 84th Issue utilises as tool Return on Investment. This return on investment (ROI) does not necessarily to be financial (income).  It can be capital growth, social or environmental return, happiness and so on.

If one chooses financial ROI, then they need to explain what it means and how to measure it.  Definitions of ROI tend to overlap.

For example, ‘corporatefinanceinstitute.com’ (20) defines ROI as

“A performance measure used to evaluate the returns of an investment or to compare the relative efficiency of different investments”.

Another definition comes from ‘forbes.com’ (21) that states

“ROI is a metric used to understand the profitability of an investment”.

There is also online ROI calculator for those who will be interested in it.

Because charities exist to delivery public benefit not profit, the 84th Issue is also interested in non-financial ROI.  Furthermore, the 84th Issue considers the impact of your investments on poverty reduction.  In other words, it deals with impact investing.  According to ‘renewcapital.com’ (22),

“Impact investing allows you to invest in Africa in a way that makes a positive social or environmental difference while seeking a financial return on investment”.

 

• • • • • Surplus margin

 

The second metrics that the 84th Issue uses is Surplus Margin.  What is it?

It is the following measure:

 

(Net income/Total income) x 100

 

The website ‘cranfieldtrust.org’ (23) explains that

“Generating a surplus allows a charity to invest in the improvement/expansion of charitable activities.  If the surplus marginal overall is positive, you have made a surplus and your reserves will be boosted”.

For example, this measure can be used to find out the surplus margin of ASO investors and their investment portfolios.

Additionally, one could consider the number of charitable organisations that are investors and the types of their investments.

Alternatively, one could try to find answers to the following questions:

 

Q1: Do they invest in mixed assets funds or national equity funds or global equity funds or fixed interest funds or property and cash funds or green bonds?

Q2: What do their investment portfolios look like?

Q3: Do they achieve a surplus margin?

Q4: What is the profile of their margins?

 

• • • • • Earned to unearned income ratio

 

The 84th Issue also employs the ratio of earned to unearned income.  This ratio can be written as follows:

 

Earned Income / Unearned Income

 

The website ‘cranfieldtrust.org’ (op. cit.) argues that

“The ratio of earned to unearned income helps to show that the charity has developed diversified income as it has evolved.  It is useful for donors and funders”.

For example, our ASOs that would like to invest can utilise this ratio to compare income earn from investments to incomes from unearned sources.

 

• • • • • Poverty gap ratio

 

This is an interesting metrics of poverty as it measures the intensity of poverty.

The online ‘marketbusinessnews.com’ (24) explains that

“The poverty gap ratio or poverty gap index is the average of the ratio of the poverty gap to the poverty line.  Economists and statisticians express it as a percentage of the poverty line for a region or whole country…The poverty gap ratio considers how far, on the average, poor people are from poverty line”.

 

The above tools and metrics can be used in dealing with charity investment and poverty reduction in Africa.  For example, one can use the poverty gap ratio to measure the average shortfall of the income of the poor women and youth in Africa from the poverty line.

 

 

• • • • Information and guidance on charity investment management and poverty reduction

 

Information and Guidance include two types areas of support via CENFACS, which are:

 

a) Information and guidance on charity investment management and poverty reduction

b) Signposts to improve Users’ Experience about impact investing and poverty reduction.

 

• • • • • Information and guidance on charity investment management and poverty reduction

 

Those Africa-based Sister Organisations (ASOs) that are looking for information and guidance on charity investment management and that do not know what to do, CENFACS can work with them (via needs assessment conducted under CENFACS’ International Advice Service) or provide them with leads about other organisations, institutions and services that can help them.

 

• • • • • Signposts to improve Users’ Experience about impact investing and poverty reduction

 

For those who are looking for whereabout to find help about impact investing queries, we can direct them to the relevant services and organisations.

More tips and hints relating to the matter can be obtained from CENFACS‘ Advice-giving Service and Sessions.

Additionally, you can request from CENFACS a list of organisations and services providing help and support in the area of charity investment management, although the Issue 84 does not list them.  Before making any request, one needs to specify the kind of organisations they are looking for.

To make your request, just contact CENFACS with your name and contact details.

 

 

• • • Workshop, Focus Group and Booster Activity about Charity Investment Management and Poverty Reduction  (Page 9)

 

 

 

• • • • Mini themed workshop on investment management skills to reduce poverty 

 

Boost your knowledge and skills about the reduction of poverty via investment management skills with CENFACS.

The workshop aims at supporting those without or with less information and knowledge about investment management skills and knowledge while improving the quality of their lives.  The workshop will provide recommendations for actions with options and opportunities for the participants.

To enquire about the boost, please contact CENFACS.

 

 

• • • • Focus group on impact investing

 

The focus group will deal with how to invest not only to realise a good return on your investment, but also to create a lasting impact.  Impact investing will be approached from the perspective of win-win.

To take part in the focus group, group that will use deliberative practice strategies, please contact CENFACS.

 

• • • • Summer activity: Consulting Investment Managers

 

This user involvement activity revolves around the answers to the following questions:

 

Q1: Do you consult an investment manager or fund/asset manager for your investment decisions? 

Q2: Do you have an investment account with an investment manager? 

 

Those who would like to answer these two questions and participate to our Consulting Investment Managers Activity, they are welcome.

To take part in this activity, please contact CENFACS.

 

• • • Giving and Project (Page 10)

 

• • • • Readers’ giving

 

You can support FACSCENFACS bilingual newsletter, which explains what is happening within and around CENFACS.

FACS also provides a wealth of information, tips, tricks and hacks on how to reduce poverty and enhance sustainable development.

You can help to continue its publication and to reward efforts made in producing it.

To support, just contact CENFACS on this site.

 

• • • • African Charities Investment Management Project (ACIMP)

 

ACIMP is an advisory management project designed by CENFACS to work together with Africa-based Sister Organisations looking to plan and manage their investments so that they can realise their mission with peace of mind without to worry to much about investment issues.  The project will help to avoid investment mistakes while tolerating risk at fairly acceptable level.

Through this project, organisations will build generational investment management capacity and wealth that will help them and their beneficiaries to escape from intergenerational poverty.

To support or contribute to ACIMP, please contact CENFACS.

For further details including the implementation plan of the ACIMP, please contact CENFACS.

The full copy of the 84th Issue of FACS is available on request.

For any queries and comments about this Issue, please do not hesitate to contact CENFACS.

_________

 

 References

 

(1) Kudrna, L. & Kushlev, K. (2022), Money Does Not Always Buy Happiness, but Are Richer People Less Happy in Their Daily Lives?  It Depends on How You Analyse Income, available at https://www.frontiersin.org/journals/psychology/articles/10.3389/fpsyg.2022.883137/full (accessed in August 2024)

(2) https://www.health.org.uk/evidence-hub/money-and-resources/income/relationship-between-income-and-health (accessed in August 2024)

(3) https://www.healthaffairs.org/doi/10.1377/hlthaff.2022.00846 (accessed in August 2024)

(4) https://globalwellnessinstitute.org/what-is-wellness/ (accessed in July 2024)

(5) https://www.tutor2u.net/economics/reference/what-is-disposable-income (accessed in August 2023)

(6) https://pesd.princeton.edu/node/696 (accessed in August 2024)

(7) https://www.nerdwallet.com/article/investing/what-is-investment-management (accessed in August 2024)

(8) https://www.gov.uk/government/publications/charities-and-investment-matters-a-guide-for-trustees-cc14/charities-and-investment-matter-a-guide-for-trustees#:~:text=Trustee%20oversightYou (accessed in August 2024)

(9) https://corporatefinanceinstitute.com/resources/wealth-management/risk-tolerance/ (accessed in August 2024)

(10) https://www.forbes.com/advisor/investing/what-is-your-risk-tolerance/ (accessed in August 2024)

(11) https://www.dbs.com/in/treasures/investment-manager (accessed in August 2024)

(12) Bununu, Y. A. (2020). Poverty Reduction: Concept, Approaches, and Case Studies. In: Leal Filho, W., Azul, A., Brandli, L., Özuyar, P., Wall, T. (eds) Decent Work and Economic Growth. Encyclopedia of the UN Sustainable Development Goals. Springer. Cham. https://doi.org/10.1007/978-3-319-71058-7_31-1 (accessed in April 2024)

(13) https://borgenproject.org/what-is-poverty-reduction/ (accessed in April 2024)

(14) https://acagp.com (accessed in August 2024)

(15) https://aiimafrica.com (accessed in August 2024)

(16) https://www.rathbones.com/sites/rathbones.com/files/imce/final_what_to_include_in_an_Investment_policy_statement.pdf (accessed in August 2024)

(17) https://assets.publishing.service.gov.uk/government/uploads/system/uploads/system/uploads/attachment_data/file/550688/Tool_1.pdf (accessed in August 2024)

(18) https://bestrategicplanning.com/investment-goals (accessed in August 2024)

(19) https://www.oscr.org.uk/guidance-and-forms/charity-investments-guidance-and-good-practice/2-what-is-an-investment/# (accessed in April 2024)

(20) https://corporatefinanceinstitute.com/resources/accouting/what-is-return-on-investment-roi/ (accessed in April 2024)

(21) https://www.forbes.com/advisor/investing/roi-on-investment/ (accessed in April 2024)

(22) https://renewcapital.com/newsroom/charitable-investment-options-for-benevolent-investors (accessed in August 2024)

(23) https://www.cranfieldtrust.org/articles/top-10-financial-ratios-forcharities (accessed in April 2024)

(24) https://marketbusinessnews.com/information-on-credit/gap-ratio–definition-meaning (accessed in August 2023)

_________

 

 Help CENFACS Keep the Poverty Relief Work Going This Year

 

We do our work on a very small budget and on a voluntary basis.  Making a donation will show us you value our work and support CENFACS’ work, which is currently offered as a free service.

One could also consider a recurring donation to CENFACS in the future.

Additionally, we would like to inform you that planned gifting is always an option for giving at CENFACS.  Likewise, CENFACS accepts matching gifts from companies running a gift-matching programme.

Donate to support CENFACS!

FOR ONLY £1, YOU CAN SUPPORT CENFACS AND CENFACS’ NOBLE AND BEAUTIFUL CAUSES OF POVERTY REDUCTION.

JUST GO TO: Support Causes – (cenfacs.org.uk)

Thank you for visiting CENFACS website and reading this post.

Thank you as well to those who made or make comments about our weekly posts.

We look forward to receiving your regular visits and continuing support throughout 2024 and beyond.

With many thanks.

Trend Analysis Month with Summer 2024 Triple Pack Made of Track, Trending and Trip

Welcome to CENFACS’ Online Diary!

07 August 2024

 

Post No. 364

 

 

The Week’s Contents

 

• Trend Analysis Month with Summer 2024 Triple Pack Made of Track, Trending and Trip 

• Activity/Task 8 of the Transition (‘t’) Year and Project: Run or Walk with or Visit the People in Need Making Transition

• Goal of the Month: Reduction of Mineral Poverty

 

… And much more!

 

 

Key Messages

 

• Trend Analysis Month with Summer 2024 Triple Pack Made of Track, Trending and Trip 

 

Last month, we carried out the historical analysis of the programmes, projects and activities we ran during the financial year 2023-2024.  Having this historical analysis in our mind set, we can now start looking at patterns and highlights.  To do that, we are going to approach August month as a Trend Analysis Month with a focus on Triple Pack Made of Track, Trending and Trip.

 

• • August as a Trend Analysis Month

 

After dealing with the Impact Analytics and Data Insights for the 2023-2024 Programmes, Projects and Activities in July 2024; we are now undertaking Trend Analysis this August 2024.  This is because August is the month we conduct trend analysis on our work.  In other words,  we are now using and will be using the results of the 2023-2024 Impact Analytics and Data Insights to carry out Trend Analysis.

Trend analysis has to be understood and defined in a technical way.  Trend analysis can be approached in many ways.  One of its approaches comes from ‘ideascale.com’ (1) which defines it as

“A statistical and analytical technique used to evaluate and identify patterns, trends, or changes in data over time.  It involves the examination of historical data to uncover insights into the direction or tendencies of a particular phenomenon”.

By referring to this definition, we are going to systematically examine historical data to identify patterns, tendencies, or changes over 2023-2024 and the previous financial years.  Using the key performance indicators or metrics, CENFACS trend analysts are going to capture the essence of the trends they are investigating.

 

• • August as the Month of Focus on Track, Trending and Trip

 

August is also the month we focus on CENFACS’ Track, Trending and Trip.  What do we mean by that?  We mean that we are on the track of poverty reduction, we walk to meet those in need and we follow the direction of poverty reduction.  Let us briefly explain these key concepts or activities of the month making our triple pack (i.e., track, trending and trip).

 

• • • On the Track of Poverty Reduction

 

We are on the Track of poverty reduction as we are looking for relief for ourselves and other people.  We do Track at CENFACS as we think that every one of us can undertake basic physical activity of running or racing to help reduce poverty.  In this process of tracking, we also try to reduce or eliminate poverty due to being on the wrong side of the tracks.

To basically run or race, one does not need to be part of field event.  For those who cannot in-person run, they can do it virtually or online.  Our project known as Run to Reduce Poverty is designed to meet that end.

This Summer, we are going to do Tracking while taking into account the treble context of lingering impacts of the cost of living crisis, extreme temperatures and the damaging effects of the other polycrises.

 

• • • Trips or Walks to CENFACS’ Projects

 

August is also the month during which we carry out some Trips to our projects.  We visit our projects all over the year, but August is the time we highlight this.  We do a short journey to one of the places in need.  It is the month of the year we walk again and reach out to the need, to the people, communities, organisations and livelihoods in need.

This Summer, we are going to undertake both Virtual or In-person Trips depending on the circumstances prone to the rising costs of living, changing climate and lingering effects of the other polycrises.  We can work alone or use our social network or social wayfinding or even social trail.

 

• • • Trendy Development

 

We thirdly deal with Trending in August as we spend time looking at what is popular at CENFACS in the context of poverty reduction as well as what is the current general movement or tendency in poverty reduction.  This is what we can call Trendy Development; that is a development process following the latest fashions in terms of poverty reduction.

Trending in Poverty Reduction helps us to follow the direction of poverty reduction. This August we are going to follow this direction or tendency of poverty (or poverty reduction) via aquatic foods.  In other words, we are going to find out how aquatic food systems and sector are helping in lifting people out of poverty.

What are aquatics foods? According to the Food and Agriculture Organisation of the United Nations (2),

“Aquatic foods are all foods for human consumption grown in, or harvested from, water.  They include foods from all types of algae and aquatic animals (fish, crustaceans, molluscs and other aquatic animals, with the exception of aquatic mammals and reptiles)” (p. 220)

Aquatic foods help to reduce poverty and can even lift more people out of poverty.  We are interested in the specific benefits of Aquatic Foods to poverty reduction.  We are going to follow this direction in-person.  Where we have problem to follow it in-person, we shall do it via online, video, phone, screen and digital technological means of communication and on papers (print).

More details about Trend Analysis Month and CENFACS’ Track, Trending and Trips for this year are given under the Main Development section of this post.

 

 

• Activity/Task 8 of the Transition (‘t’) Year and Project: Run or Walk with or Visit the People in Need Making Transition

 

As part of CENFACS’ Transition Year and Project, the activity or task to be carried out for this month is to undertake the physical activity of running or walking with the people in need.  In the process of running and/or walking, one can try to positively support their transition strategies as they are transitioning out of poverty.

Alternatively, one can in-person visit the people in need and try to discover the barriers to transition they are facing and discuss with them the types of solutions they would like to be put in place.

Briefly, one can Run or Walk with or Visit the people in need while these people are undergoing or navigating the 3 stages of transition through change, which are accept the ending, live in the neutral zone and reach your new beginning.

The following examples can help illustrate these activities.

 

 

• • Examples of August 2024 Transition Activities

 

To put into practice CENFACS’ Transitions Year and Project and of the month of Track, Trip and Trending; one can proceed with either of the following Transition Activities:

 

• • • Transition Activity 8.1: Safely and Healthily Run 2.5 miles (nearly 4 km) with people in need to create user-generated information giving opportunity while talking to them during the run and supporting them to improve their coping strategies for their good wellness

 

• • • Transition Activity 8.2: Undertake Virtual or In-person Visits or Tours of 3 Transition projects or activities; projects or activities based on transition facts, information and skills acquired through experience or education, and which use transition methodology and tools to support people this Summer 2024

 

• • • Transition Activity 8.3: Carry out online search to find 6 Trends in poverty reduction for projects that are helping people to transition out of poverty.

 

The above three examples of Transition-based Activities are our way of linking our ‘t’ Year/Project and the month of Trend Analysis as well as of Track, Trip and Trending together.

These run, walk and visit can also be done virtually if there are problems to conduct them in-person.

The above if the activity or task for the ‘t’ Year/Project for those who are interested in carrying it out.  For those who want any clarification of any aspects of the activity or task, they can contact CENFACS.

 

 

• Goal of the Month: Reduction of Mineral Poverty

 

This month, we are also interested in mineral poverty and how to reduce it.  What is mineral poverty?

 

• • Basic Understanding of Mineral Poverty

 

Mineral poverty is understood from the definition of D. M. Frank et al. (3) as

“A state of mineral insecurity associated with poverty.  Mineral poverty may limit access to vital infrastructure and services such as housing, transport and energy, and is interconnected with the other material dimensions of poverty”.

The same D. M. Frank et al. explain that

“Mineral security exists when all people have sufficient and affordable access to the minerals necessary for human development, including for shelter, mobility, communication, energy and sustenance.  Mineral security also implies access to the beneficiation and transformation necessary to turn minerals into usable commodities”.

These understandings of mineral and mineral security can have some implications for our work on poverty reduction in the month of Trend Analysis and the Season of Happiness, Healthiness and Wellness.

 

• • Reduction of Mineral Poverty in the Month of Trend Analysis and the Season of Happiness, Healthiness and Wellness

 

If we consider the loose definition of mineral, not its geological meaning (that is a solid naturally occurring inorganic substance with a definite chemical composition), it is possible to argue that those who struggle to have access to substance obtained by mining such as fossil fuels (e.g., coal, natural gas and petroleum) may experience some difficulties to reduce poverty if this substance is the only means they have available, affordable and accessible.  They can experience poverty linked to the inaccessibility to this substance, even though the global climate community would like them to transition away from fossil fuels.

So, providing security to mineral or any substance obtained by mining can help to reduce poverty.  However, for this reduction to happen the benefits of this security have to be directed to the poor or those in need.

The above is our poverty reduction goal for this month, which we are asking to our audiences and supporters to help or promote.

 

 

Extra Messages

 

• Happiness, Healthiness and Wellness Journal 2024, Creative Activity No. 3: Create Your Journal of Happy, Healthy and Good Life Expectancy

• Impact Capture and Record Your Summer Telling Moments to Report Back and Build Forward 

• CENFACS’ be.Africa Forum E-discusses This Question: Are Energy Transition Minerals the Keys to Poverty Reduction in Africa?

 

 

• Happiness, Healthiness and Wellness Journal 2024, Creative Activity No. 3: Create Your Journal of Happy, Healthy and Good Life Expectancy

 

To create a Summer Journal of Happy, Healthy and Good Life Expectancy, one may need to understand what is a happy, healthy and good life expectancy.

 

• • Understanding Happy, Healthy and Good Life Expectancy

 

Happiness can be associated with longer life.  According to the psychologist and epidemiologist Andrew Steptoe quoted by Helen Fields (4),

“The research shows that good moods are correlated with long life, but it is not proof that happiness makes people live longer… People’s life circumstances are also relevant”.

One can use the association that Steptoe made between happiness and longer life to create their journal of Happy Life Expectancy.

As to healthy life expectancy, the website ‘verywellhealth.com’ (5) explains that

“Healthy life expectancy is indicative of years of wellness, not total years of life.  Health-adjusted life expectancy is the average number of years that a person can expect to live in full health – that is, not hampered by disability illnesses or injuries.  Commonly referred to as healthy life expectancy, it is a measurement used by the World Health Organisation in assessing the health and well-being of a country”.

One can refer to the definition of healthy life expectancy to write a journal of healthy life expectancy (or disability-free life expectancy).

Regarding a good life expectancy, the website ‘britannica.com’ (6) states that

“It is the average number of years a person is expected to live in good health or without disability, given current age-specific mortality rates and disease and disability prevalence rates”.

One can apply the view of ‘britannica.com’ on good life expectancy and create a journal of good life expectancy.

In one’s journal, one can write things like the types of steps they can take to increase their years in good health, such as carrying out regular physical exercise, eating more plant-based foods, keeping routine doctor appointments, etc.  They can as well use reliable statistics to check their life expectancy calculation (e.g., via life expectancy calculator).

One can even go further in combining happiness, healthiness and wellness to create an all-in-one journal about them. To do that one needs to understand factors determining life expectancy.

 

• • Factors Determining Life Expectancy

 

Amongst these factors are socio-economic status, lifestyle, ethnicity, migrant status and education.  One can use one or a combination of these factors and write a journal on how the selected factor(s) is/are contributing to their happiness, healthiness and wellness, therefore to their life expectancy this Summer 2024.

So, as part of Summer of Happiness, Healthiness and Wellness, one can create a journal for the things that and people who are bringing or have brought expectation of living a happy, healthy and good life during this Summer 2024.

 

• • Impact Capturing and Reporting Your Thoughts, Feelings, Souvenirs and Memories about Life Expectancy

 

They can impact capture and record their thoughts, feelings, experiences, souvenirs and memories in relation to their life expectancy or the expectation of it.  They can share with the community their experience of happy, healthy and good life expectancy.  This can be recorded in their journal and be shared by the end of Summer 2024.

To share the contents of their happiness, healthiness and wellness journal relating to happy, healthy and good life expectancy, and help build a better Summer holiday experience, they can contact CENFACS.

 

 

• Impact Capture and Record Your Summer Telling Moments to Report Back and Build Forward 

 

Whether one has a Summer break or is working over this Summer, it is always a good idea to impact capture and record your memorable moments or just what you are doing.

 

• • Impact Capture and Record Your Summer Telling Moments as They Happen

 

Capture and record Summer activities (e.g., engagement activities where the people in your experience are engaged) that can lead to impact.  You can look for impact when capturing and recording your Summer moments.

However, impact can be difficult to track, in particular for those who do not have experience for impact capturing and recording.  You can keep track of the people who are participating in your Summer experiences. 

For those who are not familiar with impact capturing and recording, they can take these basic actions:

 

∝ Look for different types of impact

∝ Use various leads and mediums of finding and mapping impact

∝ Appeal to indicators for impact

∝ Refer to impact capturing and recording tools

∝ Decide what you need to track for your impact

etc.

 

These basic actions will enable them to create an impact record.

After Summer, we often ask our project beneficiaries or the community to impact report their Summer experience back.  If you impact record what you are doing this Summer, after Summer it will be easier to share what you may judge is a shareable part of your Summer experience or story.

 

• • Do not Forget to Take Photos and Pictures, Make a Video, Record Your Voice, Podcast, etc.!

 

If you decide to impact capture and record your Summer activities or experiences, please do not forget to take photos and pictures, make a video, record your voice, podcast, etc.    It is also useful to write down dates, places and names of people involved in your Summer projects or experiences.  You can plan the way you want to impact report back, whether you want to use words or numbers or voices or information graphics (e.g. tables or graphs, figures, etc.).

Before including people around you in your recorded experience, please take care of General Data Protection Regulations.  This extra care will help to protect yourself and others.  If necessary, please check the policy on handling people’s information and data, including update on this policy.

 

• • Impact Reporting Back Your Summer Experiences to Build Forward Better Together

 

Impact reporting back your experiences can sometimes inspire others, especially if your experiences contain poverty-relieving features or outcomes.  Sometimes what you may think is not important in your life experience could be very useful or even life-saving for others in the community.  Your experiences could help to build forward better together cleaner, greener, inclusively, safer and climate-resilience.

We hope you will seriously take our message of impact capturing and recording to impact report back and build forward better together.

Thank you!

 

 

• CENFACS’ be.Africa Forum E-discusses This Question: Are Energy Transition Minerals the Keys to Poverty Reduction in Africa?

 

This e-discussion is the continuation of the one we had in April 2024, which was on Energy Transition Minerals and Poverty in Africa.  We are dealing with energy transition minerals since they are needed for energy transition to happen. 

Indeed, the narratives that shape the role of minerals in development and poverty reduction are that energy transition are needed to move to net zero world and to reduce poverty in Africa.  If these minerals are required for transition, are they also the keys to poverty reduction in Africa.  To discuss if they are keys or not to poverty reduction in Africa, it is better to understand them.

 

• • Brief Understanding of Energy Transition Minerals

 

The United Nations Environment Programme (7) explains that

“Energy transition minerals are naturally occurring substances, often found in rocks, that are ideal for use in renewable technology… Lithium, nickel and cobalt are components of batteries, like those that power electric vehicles”.

These minerals of energy transition can fasten energy transition.  They are technological innovations developed to support energy transition.  They include cobalt, copper, lanthanum, lithium, for electric vehicles; platinum, palladium, rhodium for fuel cells; copper, neodymium, terbium for wind energy transitions, etc.

They are found in many countries including Indonesia and the Democratic Republic of Congo.  However, if these minerals are important for energy transition, does this also mean they are the keys to poverty reduction in Africa?

 

• • Energy Transition Minerals as Keys to Poverty Reduction in Africa

 

The word ‘key’ here has to be understood as something that provides an answer or solution, a means of achievement, according to Chambers’ Combined Dictionary Thesaurus (8).  In other words, these minerals can be an answer to the success of poverty reduction in Africa.  However, for minerals to be an answer, there are other conditions that need to be put in place for energy transitions play their role of poverty reduction in Africa.

During our e-discussion, we shall try to answer to the above made question while exploring the enabling conditions and circumstances that will enable energy transition minerals to play their role in poverty reduction.  There is a need to investigate and discuss the conditions and circumstances that make or will make energy transition minerals as the keys to poverty reduction in Africa.

Those who may be interested in this discussion can join in and or contribute by contacting CENFACS’ be.Africa, which is a forum for discussion on matters and themes of poverty reduction and sustainable development in Africa and which acts on behalf of its members in making proposals or ideas for actions for a better Africa.  They can contact us at our usual address on this site.

 

 

Message in French (Message en français)

 

• Projets de l’Appel Humanitaire de l’Été 2024

Les projets d’appel humanitaire de l’été 2024 résument les besoins de tous les pauvres, des enfants pauvres, des jeunes aidants et des familles qui ont besoin de votre don, de votre financement ou même de votre influence.

Tous les enfants pauvres et sans protection, les jeunes aidants sous-évalués et les pauvres souffrant du manque d’opportunités en matière de développement du sport et de développement durable; ils demandent tous de l’aide pour réduire ou mettre fin au type de pauvreté qu’ils vivent.

Leurs demandes sont résumées dans l’édition 2024 des Projets d’Appel Humanitaire d’Été duCENFACS.

Les projets à l’origine de cet appel sont les suivants:

√ Couvrir les dépenses de base pour les enfants en détresse en Afrique

√ Tous les dons pour tous les pauvres

√ Réseautage et protection international contre les crises

√ Jeune aidant emblématique

√ ELCLASSICO International ou le projet de responsable du développement sportif.

Les cinq projets ci-dessus nécessitent des dons, des financements ou de l’influence.

Ceux/celles qui souhaitent soutenir les bénéficiaires mentionnés ci-dessus peuvent donner de l’argent et/ou donner en nature ou leur influence.

N’oubliez pas que cette campagne de collecte de fonds et d’influence pour eux se terminera le 22 septembre 2024.

Le CENFACS acceptera tout soutien apporté pendant et au-delà de la durée de cette campagne.

S’il vous plaît, n’attendez pas pour faire un don ou influencer car les besoins sont pressants et urgents MAINTENANT.

Pour soutenir ou vous renseigner sur ces projets d’appel humanitaire, veuillez contacter le CENFACS.

Nous nous réjouissons de votre généreux soutien pour faire une différence utile pour tous les pauvres, les enfants pauvres, les jeunes aidants et les familles dans le besoin en Afrique.

Merci de votre générosité.

 

 

Main Development

 

Trend Analysis Month with Summer 2024 Triple Pack Made of Track, Trending and Trip 

 

Our systematic examination of historical data that shaped our 2023-2024 programmes, projects and activities is taking place as we are trying to identify patterns, tendencies, or changes from them.  While we are doing this, we are focussing on our thematic model of Summer of Happiness, Healthiness and Wellness through the three activities of…

 

1) TRACK to help reduce poverty

2) Virtual or In-person TRIPS to projects and locals

3) TRENDING in poverty reduction by following the direction of poverty reduction via aquatic foods.

 

The following headings provide the contents summaries of the Trend Analysis and the above-mentioned activities of the month making our triple pack (i.e., track, trending and trip):

 

∝ Trend Analysis Month 2024

 Track, Trip and Trending 2024 Activities

∝ August 2024 Trending Activities/Programme

 In Focus from Wednesday 07/08/2024: Aquatic Foods and Their Affordability for Low-income Households.

 

Let us uncover what is inside these headings.

 

• • Trend Analysis Month 2024

 

Our August 2024 trend analysis consists of tracking data for the services we provided during the financial year 2023-2024 to identify seasonal trends or changes in project beneficiaries’ preferences.  It is also about examining historical poverty reduction rates where our Africa-based Sister Organisations operate to discover trends and understand the improvement made in the conditions of those living in poverty there.

During this analysis, we shall use metrics (like performance against mission, growth of our services, opt-in growth, user happiness, impact, giving methods of donors, business basics, etc.).  We will look at trends from supporters, users and beneficiaries.  We will measure services, project beneficiaries’ and users’ perception.  We will check that we are meeting our targets, programme outcomes and stakeholder/volunteer engagement.  We shall examine that we are keeping supporters, beneficiaries and users informed and engaged in CENFACS‘ work.

Based on the 2023-2024 and past performance or behaviour of our charitable work, we can make informed decisions and predictions.

 

• • Track, Trip and Trending 2024 Activities

 

• • • Track to Help Reduce Poverty 

 

This is delivered through the project Run to Reduce Poverty, Gaming to Reduce Poverty and Vote Your African Manager of Poverty Reduction. These are All Year-Round Projects or Triple Value Initiatives.

However, because of the weather conditions (sunshine) and nature of August (holiday time for many of our project beneficiaries and supporters) we put a particular emphasis on the Run aspects of these all year-round projects, over this month.  One can do physical run out and indoor while bearing in mind the lingering effects of the health risk and rising temperatures.

We expect those who sign up to the Run element to take actions and run it by themselves while following to letter any health and safety rules (e.g. Protection against the lingering effects of any health risk) relating to this element.  After summer or at any convenient time before the end of the year, they can all report back our individual Run activity and achievements.

 

• • • Virtual or In-person TRIPS to Projects and Locals 

 

This is the second aspect of our Summer 2024 Triple Pack or part of work over the month of August at CENFACS.  We expect and advise our supporters to visit some of our projects and initiatives whether in the UK or in Africa during and around the month of August.

For those who cannot in-person or physically visit projects on the grounds, arrangements can be made between the prospective visitors and the organisations to be visited so that they can organise a virtual trip, tour or viewing.

This requires that the visitors and visiting organisations have the technology that enables this virtual tour to happen.  If this is possible, we expect and advise our supporters to virtually visit some of projects and initiatives whether in the UK or in Africa during and around the month of August.

 

a) Visits to Projects/Initiatives within the UK

 

Trip to the needs or Visit this year will help to see how events such as extreme temperatures, the polycrises and the high costs of living have affected local people and local needs.  During the Visit, we shall have the opportunity to see in real life how these people are strategically coping to manage these events.

 

b) Trips to Projects/Initiatives in Africa

 

Trip to the need and project includes some of the experiences undertaken by CENFACS’ All-in-Development Volunteers through field work involvements and project visits, to reach out to unreached, underserved and unserved people and communities, particularly those living in remote areas of Africa.  It is the kind of experiences or expeditions or study tours that we recommend to future invertebrate and vertebrate volunteers to have and report back in September or after.  When reporting back, they can evaluate and assess the effectiveness of field trips.

These trip activities, which can be in-person or virtual, also help us to check if we are on the right track at helping to reduce poverty and at tracking our records for the work on the ground.

Because the theme of trending for this Summer is about Aquatic Foods, we are going to link Trip to the need on the ground in terms of what services aquatic foods and sector provide to reduce poverty and enhance sustainable development.

 

• • • TRENDING in Poverty Reduction by Following the Direction of Poverty Reduction via Aquatic Foods

 

Sustainable development does not need to be trendy, but we can follow the latest fashions in sustainable development and poverty reduction.

This August, we are dealing with Trending in poverty reduction by following the direction of poverty reduction via Aquatic Foods and Sector and their capacity in lifting people out poverty. We mean by that we are following the direction of poverty reduction via aquatic foods.

In order to make sense of our trending activity, let us briefly explain aquatic foods and their relationship with poverty reduction.

 

• • • • Basic Understanding of Aquatic Foods

 

What are aquatics foods?

Aquatic foods are defined by the Food and Agriculture Organisation of the United Nations (op. cit.) as

“All foods for human consumption grown in, or harvested from, water.  They include foods from all types of algae and aquatic animals (fish, crustaceans, molluscs and other aquatic animals, with the exception of aquatic mammals and reptiles)” (p. 220)

This understanding will help to study the direction of poverty reduction via aquatic foods and sector, including the relationship of aquatic foods to poverty reduction and sustainable development.

 

• • • • Relationship between Aquatic Foods and food poverty reduction

 

There is a relationship between aquatic foods and poverty reduction.  Indeed, poverty which is defined by ‘worldpopulationreview.com’ (9) as “a state of being in which a person lacks the income (or other means of support) to reliably meet their basic personal needs, such as food, shelter, and clothing” can be reduced by aquatic foods.

To be more precise, let us use the definition of food poverty.  According to the ‘commonslibrary.parliament.uk’ (10),

“A household can broadly be defined as experiencing food poverty or household food insecurity if they cannot (or are uncertain about whether they can) acquire an adequate quality or sufficient quantity of food in socially acceptable ways”.

Aquatic foods can help bring down the number or percentage of the population or households living below the food poverty line.

For example, in Africa there are millions of people who rely on aquatic foods for their daily meal and diet.  If these peoples are poor, then one could argue that aquatic foods help them to move away from food poverty.

 

 

• • August 2024 Trending Activities or Programme

 

August 2024 Trending Activities or Programme will be about following the direction of poverty reduction via aquatic foods by focussing on four variables as follows:

 

1) The price (affordability of aquatic foods)

2) The environment (low-climate impact of aquatic foods)

3) The consumption (aquatic food and consumption poverty reduction)

4) The technology/production (low-cost technology to produce aquatic foods).

 

The above four variables are also the four directions we would like to take to follow poverty reduction.

To follow them, we need a plan.

 

 

• • • August 2024 Working Plan about Aquatic Foods

 

The above-crafted table summarises our August 2024 plan of work from every Wednesday of August 2024.  The focus for the first direction of poverty reduction which starts from today Wednesday 07/08/2024 is given below.

 

 

• • In Focus from Wednesday 07/08/2024: Aquatic Foods and Their Affordability for Low-income Households

 

The first focus of 2024 Summer trending activities is about following the direction of poverty reduction via the price of aquatic foods.  In other words, we are going to follow the price of aquatic foods and their affordability for low-income households.  To do that, we are going to deal with fisheries and aquaculture prices and the properties of aquatic foods in terms of their affordability, availability and accessibility for the same households.

 

• • • Fisheries and aquaculture prices

 

According to the Food and Agriculture Organisation of the United Nations (op. cit.),

“Fisheries and aquaculture prices declined in 2023 and are expected to continue falling slightly in both nominal and real terms until 2025-2027 before then increasing” (p. 215 & p. 217)

The outcomes from the same Food and Agriculture Organisation of the United Nations’ projections are:

“Prices are expected to grow moderately in nominal terms from 2022 to 2032, driven on the demand side by improved income, population growth and higher meat prices.  Prices of farmed aquatic species will increase owing to higher fish meal and fish oil prices” (p. 217)

The Food and Agriculture Organisation of the United Nations further concludes that prices are expected to decline in real terms, even thought they will increase in nominal terms.

It is possible to find more information about aquatic foods and see if they are affordable for low-income households.

 

• • • Affordability, availability and accessibility of aquatic foods

 

Many people cannot afford a healthy diet.  However, because of the properties of aquatic foods of being affordable, available and accessible; they can be alternative to rely on.

If one takes the affordability feature of aquatic foods, it is a matter of fact that fish is relatively affordable for low-income households, especially for those of them looking for affordable healthy diets.  Canned tunas are affordable proteins that are convenient for preparation and storage.

If aquatic foods are affordable, they need to be available (that is, ready to be obtained or used) and accessible (i.e., able to be reached easily) for those low-income households that have made them their staples of choice.  If they are not, this could be an area of interest in following the direction of poverty reduction.

 

• • • Following the Direction of Poverty Reduction via Aquatic Foods and Their Affordability for Low-income Households

 

From the price history and projections of aquatic foods, one can follow the evolution or trends of a particular area and of a specific aquatic food product for a certain period.   They can as well check whether or  not this product is affordable, available and accessible for low-income households.

Equally, one can follow the direction of the two other properties of aquatic foods to find out if they are available and accessible.  There are many ways of finding out this information which include:

 

√ Visiting projects

√ Speaking to households in the community

√ Researching information online

√ Participating in research on this matter

etc.

 

Briefly, it is possible to observe or follow the journey of prices of aquatic foods and check how they are affordable and helping to reduce poverty.  In this observation and journey, it is better to consider aquatic products as they come from the water.  This way, one can better seize their impact on poverty reduction and on the food poor people.

The above is our trending work from Wednesday 07 to 13/08/2024; work which has already started.

To follow with us the direction of poverty reduction via aquatic foods, please contact CENFACS.

_________

 

References

(1) https://ideascale.com/blog/what-is-trend-analysis/ (accessed in August 2024)

(2) FAO. 2024. The State of World Fisheries and Aquaculture. 2024. Blue Transformation in action. Rome 

(3) Frank, D. M., Keenan, J. & Hailu, D. Mineral security essential to achieving the Sustainable Development Goals. Nat Sustain 6, 21-27 (2023). https://doi.org/10.1038/s41893-022-00967-9 (accessed in August 2024)

(4) https://www.science.org/content/article/happiness-associated-longer-life (accessed in August 2024)

(5) https://www.verywellhealth.com/understanding-healthy-life-expectancy-2223919 (accessed in August 2024)

(6) https://www.britannica.com/science/life-expectncy (accessed in August 2024)

(7) https://www.unep.org/news-and-stories/story/what-are-energy-transition-minerals-and-how-can-they-unlock-clean-energy-age (accessed in April 2024)

(8) Chambers’ Combined Dictionary Thesaurus, edited by Manser, M. & Thomson, M., Chambers Harrap Publishers Ltd 1999

(9) https://worldpopulationreview.com/country-rankings/poverty-rate-by-country (accessed in August 2024)

(10) https://commonslibrary.parliament.uk/research-briefings/cbp-9209/ (accessed in August 2024)

 

_________

 

 Help CENFACS Keep the Poverty Relief Work Going This Year

 

We do our work on a very small budget and on a voluntary basis.  Making a donation will show us you value our work and support CENFACS’ work, which is currently offered as a free service.

One could also consider a recurring donation to CENFACS in the future.

Additionally, we would like to inform you that planned gifting is always an option for giving at CENFACS.  Likewise, CENFACS accepts matching gifts from companies running a gift-matching programme.

Donate to support CENFACS!

FOR ONLY £1, YOU CAN SUPPORT CENFACS AND CENFACS’ NOBLE AND BEAUTIFUL CAUSES OF POVERTY REDUCTION.

JUST GO TO: Support Causes – (cenfacs.org.uk)

Thank you for visiting CENFACS website and reading this post.

Thank you as well to those who made or make comments about our weekly posts.

We look forward to receiving your regular visits and continuing support throughout 2024 and beyond.

With many thanks.