Annual Report - 2010

Working Together
SINDA Annual Report 2010
Coming together is a beginning. Keeping together is progress. Working together is success.

Henry Ford
SINDAs Annual Report in 2008 was themed as Coming Together. In 2009, the theme was Keeping Together. After rallying support from the community to come together to join hands with SINDA in our mission, when the nation (and the rest of the world) faced the economic downturn in 2009, we kept together and built the resilience of the community. In 2010, the community and SINDA worked together to spur Indian children and families towards greater aspirations. We now have new building blocks in the form of fresh initiatives.
SINDAs vision is to build a strong and vibrant Singaporean Indian community together. Each core programme of SINDA is a brick and each type of service a building block. You our volunteers and partners are the builders who work together with SINDA to lay these building blocks in their place. As each of us lay these blocks, the parts become a whole to make SINDAs vision a reality.
contents
02 Presidents Message Board of Trustees & Executive Committee 2010 at a Glance Maximising Educational Opportunities for all Nurturing More Enlightened Families Strengthening Partnerships, Community Engagement and Outreach Educational Indicators 2009 Financial Statements
Vision
05 06 12 20 34
To build a strong and vibrant Singaporean Indian community together.
Mission
To build a well-educated, resilient and confident community of Indians that stands together with the other communities in contributing to the progress of multi-racial Singapore.
44 52
2010
The Singapore Indian Development Association (SINDA) is a self-help group that works to uplift the Singapore Indian Community. SINDAs key thrusts within this annual report are each represented by a unique colour blue for education, green for family services, and orange for active collaboration.
MAXIMISING EDUCATIONAL OPPORTUNITIES FOR ALL Number of students who attended SINDAs tuition programmes* Number of students who enrolled in STEP programme Number of students who enrolled in Project Teach Number of students who received full or partial subsidies for tuition programmes
4,558
3,020
1,085
974
NURTURING MORE ENLIGHTENED FAMILIES Total number of Straits Times School Pocket Money Fund, SINDA and preschool bursaries disbursed Number of enquiries received at SINDAs Career Development and Resource Centre Number of families assisted by SINDA Family Service Centre
1,753
Total amount raised through Project Give
1,011
Number of households SINDA connections was distributed to
425
Number of festive gift packs distributed
STRENGTHENING PARTNERSHIPS, COMMUNITY ENGAGEMENT AND OUTREACH
$1.14 Million
65,000
1,200
* Includes STEP, Project Teach, Collaborative Tuition Programme, June Holiday Programme, STU-STAR, NUSTLS A Level Tuition Programme- Saadhana and Math Centres
ANNUAL REPORT 2010
Presidents Message
On 26 October 2010, I was appointed President of SINDAs Executive Committee. This was not the usual appointment at the beginning of a new term. Rather, I was parachuted in mid-term after the sad and untimely passing of Dr balaji Sadasivan, Senior Minister of State for Foreign Affairs, who held the post of President before his demise.
REMEMbERING DR bALAJI Dr balaji took over as SINDAs President in March 2009, when Singapore was well into the economic downturn following the global financial crisis. Under his guidance and leadership, SINDA devised an effective response plan to help those most affected by the recession, whilst expanding its programmes in the area of tuition, family support, employment and skills upgrading, strengthening partnerships and community engagement, fundraising and leveraging on national resources. He introduced new ideas and initiatives to broaden SINDAs outreach to engage the community and more importantly, to the students who needed help the most. Dr balaji was an exemplary leader selfless, dedicated and fully committed to the duties he undertook. He did not let his illness deter him. I recall several SINDA events he attended which, with the benefit of hindsight, we now know was when he was receiving treatment at the height of his illness. However, he did not let it show and he carried out his duties in the same calm and insightful manner as always. He is sorely missed, but his work continues to bear fruit and we are glad for that. The best way to honour our friend and former President is to build on his legacy and take SINDA to new heights. COMING ON bOARD AS NEw PRESIDENT Since accepting this appointment, many have asked me why I accepted it when I already have many other tasks on my plate. That is a good question. The answer is that after I thought about it long and hard, I realised that being asked to take on the post of SINDA President is one of those rare moments in life when one is presented with an opportunity to make a significant positive difference in the lives of others. The official raison detre of SINDA is to help Indian students level up in terms of education so that they will be on par with the national average for major national exams. In truth however, SINDAs mission is much more exciting than that which is to transform lives through education, empower young Indians, shape their futures, and help the Indian community grow in strength and confidence so that it can continue to be a strong pillar of Singapore. When I thought about it in those terms, I realised that this was not an appointment I could turn down. So I said yes. Let me now turn to SINDAs report card for 2010. EDUCATION In 2010, SINDA continued to support students in financial need so that they could progress in their studies. About 21% of our students received partial or full tuition subsidies. Preschool Bursaries SINDA gave out Preschool bursaries to help Indian children from lowincome families to build a strong educational foundation before entering Primary 1. 230 children benefited from the Preschool bursaries totalling $65,361.33. SINDA Bursaries and Straits Times School Pocket Money Fund (SPMF) SINDA continued to disburse bursaries from SPMF as well as its own bursaries to eligible full-time primary to pre-university students enrolled in government schools/ education institutions and independent schools. In 2010, SINDA disbursed 890 SPMF worth $381,435 and 633 SINDA bursaries worth $423,525. STEP and Project Teach STEP and Project Teach continued to be our core programmes. These programmes were enhanced with new initiatives like flexible choice of tuition subjects, allowing students to choose the subjects they needed the most help in instead of taking fixed subject combinations. MATHS AND SCIENCE STATISTICS MOE statistics show that the percentage of Indian students with at least 3 O level passes has increased from 87.2% in 2000 to 91.8% in 2009. Those with 5 O level passes increased from 66.2%
MAXIMISING EDUCATIONAL OPPORTUNITIES FOR ALL PRESIDENTS MESSAGE 03
to 73% in 2009. This is good progress, but there is still room for improvement, which we will work to achieve. YOUTH SINDA Youth Club (SYC) Launched on 28 August 2010, SYC has reached out to 900 youths via youth workshops and high quality dialogue sessions with prominent community leaders and outstanding industry practitioners from various fields. The SINDA Young Leaders Programme aims to develop a network of young leaders among promising youths aged between 17-25 years. COMMUNITY ENGAGEMENT SINDAs task of raising the level of educational performance of Indian students cannot be accomplished by SINDA alone. Without community participation and support, we cannot succeed.
SINDA Volunteers SINDA has the privilege of a large pool of dedicated volunteers drawn from the community. They make a positive difference by teaching young children, mentoring youth, befriending families, imparting IT skills, providing legal advice to families, tutoring under-performing students and generally encouraging and inspiring the people they work with. In 2010, 2,713 volunteers contributed their time to SINDA and we are greatly indebted to them. SINDA-NARPANI ENGAGEMENT FORUM SINDA and Narpani Pearavai, the Peoples Association Indian Activity Executive Committees Coordinating Council (PA IAEC) held an engagement forum titled Achievements and Aspirations in February 2010. Dr balaji was the Guest-of-Honour.
The forum reviewed the progress made under the 2009 Memorandum of Understanding (MOU) between Narpani Pearavai and SINDA, pursuant to which the two organisations addressed the skills training and employment issues faced by the Indian community, and collaborated on other initiatives. TALkS AND ROADSHOwS Talks and roadshows were also held at schools and religious and grassroots organisations. Emphasis was placed on the importance of a good foundation in education and the need for parents to play an active role in their childrens education. PROJECT GIVE CHARITY SHOW The fund-raising Project Give Charity Show 2010 Kai Kodupom was jointly organised by SINDA and Vasantham on 27 November 2010. It featured
ANNUAL REPORT 2010
popular Vasantham personalities, and showcased SINDA beneficiaries and their families to reinforce the message that bringing about a brighter future for those in need is a task for the entire community. Innovative fund-raising techniques, the assistance of our partners and volunteers and the generosity of donors and the public raised $1.14 million for Project Give 2010, all of which will be disbursed to students in need. SINDA 20TH ANNIVERSARY (S2020) 2011 is SINDAs 20th Anniversary. This is a watershed year for us, to take stock and chart our future strategic direction. S2020 Review To this end, SINDA is undertaking a major review of its past work, and planning its future direction. Four committees have been set up to study different areas: Review Committee chaired by Dr N Varaprasad Data Analysis Team chaired by Mr Ravi Menon Education Study Team chaired by Mr Puvan Ariaratnam Family Study Team chaired by Mr Shabbir Hassanbhai
The review will look at statistical data gathered from the Ministries as well as qualitative information and ground feedback collected through 14 Focus Group Discussions (FGDs) and two Dialogue Sessions with key stakeholders such as students, parents, teachers, tutors, facilitators, volunteers, organisations and professionals. The feedback and data will be collated into a Review Report, which will serve as a foundational document for future SINDA work plans, programmes and services. It will also be a strategic archival document for the progress of the Indian community in the Singapore landscape. Community Forum A Community Forum will be organised for members from the various community organisations and leaders from our partner organisations. About 400 participants are expected to attend the Forum. Community EventFamily Day A Community Event will be held together with Narpani Pearavai to commemorate 20 years of the communitys progress.
SINDA 20th Anniversary Book A commemorative SINDA 20th Anniversary book will capture the history of SINDA, with anecdotes and stories from beneficiaries and individuals who played a significant role in SINDAs development and programmes, and outline the challenges ahead of us. SINDA 20th Anniversary Dinner The S2020 activities will culminate in a dinner at which the 20th Anniversary book will be launched. CONCLUSION I would like to conclude by thanking all those who have helped and supported SINDA in the past years, especially the board of Trustees, the EXCO and the executive and management team, as well as our volunteers and partners, for their service and dedication. we have much to do in 2011, and this is the year in which we will lay the groundwork for SINDAs direction in the next 10 years. It is a challenging but exhilarating endeavour.
Ms Indranee Rajah President, SINDA
President Ms Indranee Rajah believes everyone in the Indian community has a role to play in building the foundations for a bright future for the Singapore Indian community.
MAXIMISING EDUCATIONAL OPPORTUNITIES FOR ALL
05
PATRoN
Prime Minister Lee Hsien Loong
BoARD oF TRuSTEES
CHAIRMAN Mr Tharman Shanmugaratnam LIFE TRuSTEES Professor S Jayakumar Mr S Dhanabalan Mr S Chandra Das Mr J Y Pillay Mr Sat Pal khattar Mr Tharman Shanmugaratnam Mr K Shanmugam Dr N Varaprasad
ExECuTIVE CoMMITTEE
ExECuTIVE CoMMITTEE President Dr balaji Sadasivan (March 2009 - September 2010) Ms Indranee Rajah (October 2010 - Present)
Vice-President Mr Viswa Sadasivan Secretary Mr Shabbir Hassanbhai, PbM Treasurer Mr R Subramaniam Iyer
TERM TRuSTEES Mr Inderjit Singh Ms Indranee Rajah Mr Haider M Sithawalla Mr bobby Chin Yoke Choong Mr M Rajaram Mr V Shankar Mr Ravi Menon Mr R Jayachandran Mr Hsieh Fu Hua Mr Girija Pande Mr Gautam banerjee bG Ravinder Singh
MEMBERS oF ExECuTIVE CoMMITTEE Mr V P Jothi Mr R Rajaram Mr Predeep K Menon Mr Puvan Ariaratnam Mr Naseer Ghani Mr P Thirunal karasu, bbM Mr Aaron Maniam
Chief Executive officer Mr T Raja Segar
ADVISoRS Dr Vivian balakrishnan Mr S Iswaran Mr Hri kumar Nair
AuDIT REVIEw CoMMITTEE MEMBERS Mr Haider M Sithawalla Chairman Mr Shabbir Hassanbhai Mr K V Rao Mr Sarjit Singh Mr Vinodh Sabesan Coomaraswamy
RESouRCE PANEL MEMBERS Mr K V Rao Dr Joshua V M Kuma Ms M Nirmala Mr P b Desai Dr Sivasankaran Subramaniam Mr Mohamed Abdul Jaleel Ms Sabanitha Shanmugasundram Mr Sajen G Aswani Mr Sarjit Singh
AuDIToRS kPMG LLP
ANNUAL REPORT 2010
26 FEb SINDA-ITE ROADSHOW 300 students from all ITE colleges gathered at the ITE College East campus to take part in a roadshow, titled, Secrets of Success. The roadshow aimed to motivate and convince students to remain in ITE, and complete their course of study. Popular Vasantham celebrity, Vadivalagan PVSS, hosted the roadshow while performances from other Vasantham artistes, motivational videos and sharing sessions with former ITE students kept students engaged.
IN CONVERSATION SERIES (ICS) The SINDA Youth Club organises the ICS for students to have a better understanding of various professions. This will help them make informed choices on their careers. Mr Palani Pillai, CEO of Crush Advertising, entertained and inspired more than 50 students from various pre-university institutes with insights into the nuts and bolts of the advertising industry.
2010
10 MAR
MAXIMISING EDUCATIONAL OPPORTUNITIES FOR ALL 2010 AT A GLANCE 07
DISTINGUISHED SPEAkER SERIES (DSS) A flagship event of the SINDA Youth Club, the DSS, brings prominent individuals from diverse walks of life to share their experiences with youths. Mr Gautam banerjee, ex-Nominated Member of Parliament and Executive Chairman, PricewaterhouseCoopers Singapore, spoke on The Global Game of Change. More than 80 young professionals and undergraduates were enthralled by Mr banerjees talk which addressed two key issues; the key drivers of change and leadership attributes needed in a modern world. 5 MAY
SINDA CHAIRMANS VISIT TO PROJECT VICTORY CENTRE Minister for Finance and Chairman, SINDA, Mr Tharman Shanmugaratnam, visited Jurong Primary Project Victory Centre where he interacted with students and participated in the classroom activities.
8 MAY
ANNUAL REPORT 2010
14-23 JUN HOLIDAY PROGRAMMES The annual June holiday programmes reached out to students sitting for their PSLE and GCE O level examinations. These programmes focused on enhancing academics and had a motivational element in getting students to set goals. More than 100 students benefited from these programmes. MOTIVATE ME! SEMINAR A seminar titled Motivate Me! was organised for the first time this year as part of the June holiday programme line up for PSLE students. Students picked up key skills in time management, exam stress management and realistic target setting.
Some 60 students participated in the seminar conducted by Mr Vijayan Nambiar. While the kids attended the Motivate Me! seminar, 29 parents were involved at a dialogue session on how they can play a more impactful role in their childrens education and motivation.
EAGLES EYE PROGRAMME SINDA together with Raffles Institution (RI) embarked on the Eagles Eye Programme. This new programme is aimed at identifying and grooming potential students in Primary 5 to excel in PSLE and to subsequently gain entry into the Institution through mentorship by current RI students. In 2010, 7 students were selected for the Eagles Eye programme.
JUL
2010 AT A GLANCE 09 MAXIMISING EDUCATIONAL OPPORTUNITIES FOR ALL
17 JUL VOLUNTEERS TEA The biennial Volunteers Tea was held at DMarquee, Downtown East. 92 awards were given away at the event for various categories including 8 Years Gold Award, 5 Years Silver Award, Friends of SINDA Award and Group Awards for Reading Centres. Two new awards were also introduced this year; the Volunteer Leader Award and Volunteer Rookie Award.
28 AUG SINDA YOUTH CLUb (SYC) SYC started in late 2009 and has since organised various youth workshops and dialogue sessions with prominent community leaders and outstanding industry practitioners from various fields. 28 August saw the official launch of SYC. It was an eventful day filled with fringe activities and a launch event. Deputy Prime Minister (DPM) and Minister for Defence Mr Teo Chee Hean was the Guest-of-Honour.
JOINT TUITION AWARDS To recognise the star students who have made significant improvements at major examinations, the four Self-Help Groups (SHG) jointly organised the SHGs Joint Tuition Awards Ceremony at Nanyang Polytechnic. 473 students from the Chinese Development Assistance Council (CDAC), Eurasian Association (EA), SINDA and Yayasan Mendakis tuition programmes received awards at the ceremony. 31 JUL
SINDA EXCELLENCE AwARDS 407 students were lauded for their achievements in the academic categories ranging from PSLE to University levels as well as non-academic areas such as sports and arts at the SINDA Excellence Awards ceremony held on 25 September 2010, at the Nanyang Polytechnic Auditorium. Minister Lim Swee Say graced the ceremony as the Guest-of-Honour.
25 SEP
ANNUAL REPORT 2010
2 OCT HERITAGE TRAILS Heritage Trails aim to bring Indian permanent residents and Singaporean Indians to bond through different activities. On 2 October, 13 local and permanent resident families took part in the Heritage trail by the Singapore River. Two other similar trails also took place on 10 July and 28 August for students. 147 students took part in these trails.
4 DEC bACK TO SCHOOL FESTIVAL AND INDIAN COMMUNITY bURSARY AwARDS CEREMONY On 4 December, as part of the annual back to School Festival (bTSF), over 600 students received a kit worth $100 comprising of a school bag, bATA shoe vouchers, EC-House hair cutting vouchers and POPULAR bookstore vouchers. PROJECT GIVE CHARITY SHOW 2010 SINDA and Vasantham joined hands once again to organise the Project Give Live charity show Kai Kodupom. The event featured Vasantham artistes as well as SINDAs beneficiaries. Project Give 2010 raised $1.14 million. This will be used to support bursaries and other educational needs of children from low income families. Concurrently, 80 students received bursaries at the Indian Community bursary Awards Ceremony (ICbAC).
27 NOV
2010 AT A GLANCE 11 MAXIMISING EDUCATIONAL OPPORTUNITIES FOR ALL
11 DEC DRAMATHS Dramaths is a new initiative fusing drama elements into solving problem sums. The one-day camp empowered students to visualise problems in real-time context as well as enabled them to be more vocal on social platforms. The programme focused on Mathematics and motivation. bRIDGING PROGRAMME This programme is offered to children from low-income families who have not attended pre-school or have attended pre-school but are not ready for primary school. The programme seeks to improve the literacy, numeracy and social skills of these children to prepare them for Primary 1. The programme was jointly organised by the four Self-Help Groups (SHGs) and supported by the Ministry of Education (MOE). In 2010, the SHGs extended their outreach beyond the PAP Community Foundation (PCF) kindergartens by inviting all non-profit kindergartens to identify children for the programme. 13 primary schools hosted this programme. 224 children of all races benefited from it in 2010. Of these, 25 were Indian children.
17 DEC
MAxIMISING EDuCATIoNAL oPPoRTuNITIES FoR ALL
SINDA annual report 2009
SINDAs core thrust is Maximising Educational Opportunities for All. This is aligned to the overarching goal of ensuring that Singapore Indian children have ready access to educational opportunities to maximise their potential. SINDA, in partnership with schools and community organisations, enlightens and enables Indian students and their families to get the most out of these opportunities. We continue to help Indian students level up with the national average at landmark examinations like the PSLE, GCE O levels and GCE A levels.
The Indian community is at the crossroads of the best opportunity to realign itself towards greater success in education.
Minister Tharman Shanmugaratnam, Minister of Finance and Chairman, SINDA
ANNUAL REPORT 2010
Improving Academic Performance
Maximising Educational Opportunities For All
SINDA offers quality tuition programmes at heavily subsidised rates. In 2010, 4,558 students enrolled in the programmes. Of these students, 974 students received full or partial waiver of the already subsidised fees. SINDA TUTORIALS FOR ENHANCED PERFORMANCE (STEP) STEP is a holistic tuition programme that helps primary and secondary students in English, Mathematics and Science. The programme has been enhanced significantly since its launch in 1992. Highly subsidised fees and the location of 21 STEP centres islandwide make STEP a choice for many Indian families. In 2010, 3,020 students benefited from the programme. Of these students, 604 received full or partial waiver of fees.
Key features of the programme: Small class size of between 12 and 15, which enables teachers to provide individualised attention to students, Six hours of tuition per week from January to October, MOE-trained or experienced teachers, Target-setting guidance that helps students to achieve their goals, Regular tests / Centre level exams, Curriculum materials & assessment books, Flexible choice of subjects, Reading programme, Holiday programmes, and Refreshments.
HOUSEHOLD INCOME STEP Students
665 22%
557 18.4%
465 15.4%
700 23.2%
633 21%
Number of Households
3020
$1,000 and below $1,001 - $1,500 $1,501 - $2,000
$2,001 - $2,500 $2,501 and above
2010 STEP CENTRES bowen Secondary School bukit View Primary School Chua Chu Kang Secondary School Clementi Primary School East View Secondary School Fajar Secondary School Farrer Park Primary School First Toa Payoh Primary School Henderson Secondary School Jurong West Secondary School Marsiling Primary School Mayflower Secondary School North View Secondary School Pasir Ris Primary school Ping Yi Secondary School Pioneer Secondary School Sembawang Secondary School Seng Kang Secondary School Shuqun Primary School Yishun Primary School Woodlands Ring Primary School
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BEFORE jOINING STEP
Impact of StEp (2009) English 45.6% scored a B grade or better 18.8% failed Mathematics 28.8% scored a B grade or better 55.6% failed Science 58.8% scored a C grade or better 41.2% failed Mathematics 24.3% scored a B grade or better 62.7% failed
AFTER jOINING STEP
hOUSEhOLD INCOME Project Teach students
Primary 5 Exams
English 63.3% scored a B grade or better 4.5% failed Mathematics 42.3% scored a B grade or better 32.1% failed Science 77.8% scored a C grade or better 22.2% failed Mathematics 40.8% scored a B grade or better 31.1% failed PSLE
309 28.5%
160 14.7%
247 22.8% 147 13.5% 222 20.5% Number of households
Secondary 4 Exams
O LEVEL
1085
$1,000 and below $1,001 - $1,500 $1,501 - $2,000
$2,001 - $2,500 $2,501 and above
PROjECT TEACh Project Teach is a school-based programme launched in 2001. The programme aims to help Indian students in primary schools to perform better in English, Mathematics and Science. Experienced tutors conduct the programme either before or after school hours. The tutor-to-pupil ratio is one to seven; hence, students get individualised attention. The tutors motivate students and see to their different learning needs. Parents are also engaged through workshops to encourage them to play an active role in maximising their childrens potential. Project Teach was conducted in 51 schools in 2010. 1,085 Indian students from these schools benefited from the programme. 330 students received full or partial fee waivers.
SINDA CEO with Project Teach students
Minister Tharman at a STEP Centre
ANNUAL REPORT 2010
2010 PROJECT TEACH SCHOOLS Anderson Primary Ang Mo Kio Primary balestier Hill Primary bendemeer Primary boon Lay Garden Primary bukit Panjang Primary Canossa Convent Primary CHIJ (Katong) Primary CHIJ Our Lady Of Good Counsel CHIJ Our Lady Of the Nativity Chua Chu Kang Primary Compassvale Primary Concord Primary Edgefield Primary Evergreen Primary Farrer Park Primary First Toa Payoh Primary NEW INITIATIVES TO ENHANCE STEP AND PROJECT TEACH Reading Programme This fun-filled structured programme was introduced in 2009 for Primary 1 and 2 students attending STEP and Project Teach. In 2010, 333 students engaged in games and other activities to improve on their reading skills through this programme. Curriculum Materials Generally, all students attending both STEP and Project Teach receive curriculum materials. This will include published materials and assessment books for each subject taken. Gan Eng Seng Primary Greenridge Primary Greenwood Primary Haig Girls School Huamin Primary Jiemin Primary Lakeside Primary Lianhua Primary Marsiling Primary Marymount Convent Meridian Primary Montfort Junior New Town Primary Ngee Ann Primary North View Primary Pasir Ris Primary Pei Tong Primary Customised materials for Mathematics were prepared for upper Secondary students in the Normal Academic and Express streams. Students use these materials during lessons. Flexible Choice of Subjects Unlike previous years, in 2010, we allowed STEP and Project Teach students to choose only the subjects in which they required help. Previously, students had to enrol for two or three subjects. This new initiative applied across all levels. 845 students chose to enrol in just the specific subjects they needed help in. Primary 3 Science Science has been introduced to Primary 3 students at STEP and Project Teach centres mainly for two reasons; to be aligned with MOE and to also give students an early start in the subject. Qihua Primary Sembawang Primary Shuqun Primary Si Ling Primary Stamford Primary Saint Anthonys Primary Tanjong Katong Primary Teck Ghee Primary west Grove Primary white Sands Primary Woodlands Ring Primary Xingnan Primary Yew Tee Primary Yio Chu Kang Primary Yishun Primary Yuhua Primary Zhangde Primary In 2010, 312 STEP and Project Teach students took Primary 3 Science. June Holiday Revision Classes and Enrichment Classes In 2010, a total of 2,055 STEP and Project Teach students attended the June holiday classes which included academic or enrichment programmes. These were conducted at STEP centres and Project Teach schools. MORE FOCUS ON MATHS Maths Kits for Primary Students Maths Kits were first introduced in 2008 for STEP and Project Teach students to help students understand key Mathematics concepts through interactive and fun hands-on activities during the STEP and Project Teach classes.
I got a grade E for my PSLE Science. However, since I started STEP tuition, Ive been scoring bs for Science.
Joyce d/o Thomas, STEP Student
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mr Sat pal Khattar at the Eagles Eye programme
In 2010, the following Maths Kits were rolled out: Primary 1: Numbers Primary 2: Fractions Primary 3: Weights Primary 4: Volume In all, 1,931 students used these kits. maths Interactive Kits for Secondary students The Algebra kit was introduced as a tutor resource to motivate students to learn concepts in a fun manner. Tutors used the kit to teach Algebra to lower Secondary students. Some 400 students benefited from these kits. Primary 6 Intensive Maths Revision In 2010, we embarked on a pilot project for a group of Primary 6 students from STEP who almost failed the subject in their mid-year examinations. The intensive maths revision was conducted over eight Sundays leading up to the PSLE. This group of students showed significant improvement in the landmark examinations. Intensive mathematics programme The first Mathematical/Scientific programme for O level students was established at woodlands Secondary School. It rolled out a 10-week intensive programme that reinforces
Mathematics and Science concepts. 44 students benefited from the programme in 2010. Mathematics Centres were first introduced in 2009 through collaboration with Radin Mas Indian Activities Executive Councils (IAECs) and Yishun Secondary School. Vedic Maths In 2010, SINDA introduced a new medium for learning Mathematics known as Vedic Maths. 25 students aged between 10 to 14 years were coached on basic skills of Vedic Maths. MOTIVATION/ ENRICHMENT Study Smart Series workshop (NEw) Students helping students that is the underlying philosophy behind a series of workshops piloted in 2010. Raffles Institution Junior College (RIJC) students coached 40 students from Primary 5 and 6 levels in English, Mathematics and Science. both Primary 5 and 6 students attended four weeks of workshops each. These students were from Project GuidE. Through this collaboration with RIJC Indian Cultural Society, SINDA aims to help upper Primary students who need additional
support as well as provide a meaningful platform for RIJC students to contribute to the community. winning Strategies Primary 5 and 6 students enjoyed the Winning Strategies in PSLE Maths 2010 workshop, organised by SINDA. Mr Vijayan Nambiar, a wellknown motivator and MOE-trained educator took the students through the main PSLE Mathematics topics, as well as strategies to enhance their Mathematics skills. The 241 students who attended the seminar went back with a winning mindset. SINDA STEP Futsal SINDAs inaugural STEP Futsal Challenge was held on 26 June 2010 at the Indian Association. The objective of the Futsal Challenge was to cultivate sportsmanship amongst STEP students. The event has proved to be a vibrant platform for the holistic development of students beyond the classroom setting. 11 teams, involving 77 students, from seven STEP centres participated in the event.
ANNUAL REPORT 2010
ENGAGING STEP & PROJECT TEACH TUTORS tutor orientation programme SINDA organised its annual Tutor Orientation Programme (TOP) on 23 January 2010 at Umar Pulavar Tamil Language Centre for STEP and Project Teach tutors. SINDAs CEO briefed 173 tutors on SINDAs mission and goals. He also elaborated on why it is important for tutors to Teach the child and not just the subject. He engaged STEP Centre Principals in a dialogue session about improving the performance of Indian students. Tutors were informed of SINDAs new initiatives and were also engaged through interactive discussions with curriculum writers and distinguished educationists. MAP the MIND A Training Session for Tutors Organised as part of the training sessions for STEP and Project Teach tutors, the programme helped tutors learn how to impart mind mapping skills to their students. The session, conducted by Mr Atraju kanan Ramdas, Centre Principal of Sembawang STEP Centre and Ms Sunu Ghani, a Senior Teacher at Sembawang Secondary School, saw active participation from 25 tutors. Passion with Purpose Dialogue Session with Presidents Award Teachers Two Presidents Award Teachers, Mrs Mohana Eswaran (HOD Mathematics, Regent Secondary School) and Mr Devindra Sapai
(Dean, Pupil Development, Seng Kang Primary School) shared their teaching experiences and secrets to effective teaching with 40 STEP and Project Teach tutors. MAGIK Life coach Reena Nath conducted MAGIK, a self-awareness programme for 26 tutors on 13 November 2010. The tutors were inspired by the programme and were keen on conducting a similar programme to motivate their students and peers. On 20 November, Reena engaged 18 students from Secondary schools through the MAGIK workshop. REACHING OUT Project GuidEGuiding to Excel A pilot initiative in 2010, Project GuidE identifies students who underperform in Mathematics, English and Science, and do not have any tuition assistance. A close collaboration with Tamil language teachers is instrumental in making this project a success. Students from Primary 5 and 6 are identified in this programme. In 2010, 60 Tamil language teachers identified more than 400 students. About 200 students benefited from the Examination Peak Performance Seminar run by Adam Khoo Learning Technologies Group. Coined as an extension of Project GuidE, the seminar was to impart study skills and confidence building tactics amongst students.
P1 Starters The P1 Starters Programme was conducted on 22 May 2010 at OnePeople. sg. 40 parents benefited from the expert advice of professionals in the relevant fields. The workshop covered life skills that children will need when entering primary school. The 31 children who attended were engaged through Mathematics-based activities. OTHER TUITION PROGRAMMES collaborative tuition programme (ctp) The four Self-Help Groups Chinese Development Assistance Council, the Eurasian Association, Yayasan Mendaki and SINDA jointly run 65 CTP centres islandwide. With these centres, tuition classes are more accessible to students of all ethnic groups. In 2010, about 173 Indian students benefited from this joint effort. STuSTAR Programme Singapore Teachers Union (STU) has been running the Special Tutorial and Revision (STAR) programme for Primary 4 to 6 students since 2007. There are 12 centres offering tuition classes in English, Mathematics and Science. SINDA provided subsidies of up to 50% of the total tuition fees for deserving students. In 2010, 59 students benefited from this programme. community tuition fee Subsidy Scheme 64 students from SINDA benefited from the Community Tuition Fee Subsidy Scheme in 2010. First piloted in 2008 by 20 Residents Committees, the fee subsidy is co-funded by the four Self-Help Groups and the North West Community Development Council (CDC). In May 2009, 139 RCs and 26 CCs participated in this scheme.
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Kip McGrath OnePeople.sg, the national body championing Racial Harmony, has set up a Multi-Racial Education Centre (MREC), in collaboration with the Self-Help Groups, Central Singapore Community Development Council (CSCDC) and Kip McGrath Worldwide Education Centre (KMWEC). This initiative helps underachieving students from low-income families as well as strengthening bonds between children from the various ethnic groups. Six students from SINDA took part in 2010. NuSTLS A Level tuition programmeSaadhana Saadhana is a non-profit project run by the National University of Singapore Tamil Language Society (NUSTLS). With qualified tutors and a small class size, Saadhana provides quality tuition for all core A level subjects at affordable rates. This project is supported by the Singapore Indian Education Trust (SIET), and SINDA. In 2010, the tuition sessions
were conducted from May to October at Yio Chu Kang Secondary School. 77 students enrolled in Saadhana in 2010. Students were given additional fee subsidies based on their household income. SCHOLARSHIP Institutional Scholarships SINDA offers a range of scholarships in collaboration with well-known organisations and institutions. In 2010, SINDA partnered four organisations to jointly award 10 scholarships for diploma and certificate courses. The institutions were: Management Development Institute of Singapore (MDIS), Informatics Academy Pte Ltd, Singapore Airlines (SIA), and Singapore Institute of Materials Management.
In 2010, SINDA, Singapore Indian Chamber of Commerce and Industry (SICCI) and Nanyang Technological University (NTU) awarded a scholarship for the Global Immersion Programme (GIP). Ng Lao Chik-SINDA Secondary Study (NLC SSS) Awards The Ng Lao Chik-SINDA Secondary Study (NLC SSS) Award, introduced in 2009, is attributed to Mr Ng Siak Heng. Mr Ng donated $5,000 towards this new study awards scheme. The study award is for deserving Indian students from mainstream secondary schools, who are doing well in education as well as in sports or the arts. In 2010, 10 students were awarded the NLC SSS awards.
project teach students participating during a lesson
SINDA Excellence Awards 2010
NuRTuRING MoRE ENLIGHTENED FAMILIES
SINDA annual report 2009 Nurturing More Enlightened Families is SINDAs second thrust. SINDA attends to the needs of low-income families, jobseekers, and families who may struggle with strained relationships, emotional burdens and other challenges. We also help families benefit from national schemes that address these issues. This is to ensure that students from disadvantaged family backgrounds do not lose out in todays competitive arena. SINDA assists the family to become a cohesive unit capable of supporting the educational pursuits of the child.
While community organisations like SINDA can play an important role in the development of a child, I . . . stress that nurturing a child in need of help also falls on the family.
President S R Nathan
ANNUAL REPORT 2010
Helping Families Achieve Personal and Financial well-being

HOUSEHOLD INCOME SINDA FSC Clients
23 5.41% 14 3.29% 9 2.12%
Nurturing More Enlightened Families
SINDA FAMILY SERVICE CENTRE (FSC) SINDA FSC provides social work and counselling services to individuals and families experiencing difficulties in their personal, marital and family lives. Experienced and professionally-trained officers assess problems, conduct home visits, and provide the necessary assistance. SINDA FSC also assists those who seek information and assistance regarding national assistance schemes and plans. Clients are referred to the appropriate agencies where necessary.
73 17.18% 306 72.0%
SINDA FSC handled 425 cases in 2010. Of these cases, 296 (69.65%) involved female clients, and 129 (30.35%) involved male clients.
425
PRObLEMS PRESENTED Financial Shelter/Housing Family Youth Marital Employment Mental health Counselling Interpersonal Elderly Others Total
NO. OF CASES 310 34 23 17 9 8 6 5 2 1 10 425
% 72.94 8.00 5.41 4.00 2.12 1.88 1.41 1.18 0.47 0.24 2.35 100
EDUCATION LEVEL No formal education Primary Secondary Post-Secondary University Total
NO. OF CASES 14 131 232 38 10 425
% 3.29 30.82 54.60 8.94 2.35 100
$1,000 and below $1,001 - $1,500 $1,501 - $2,000
$2,001 - $2,500 $2,501 and above
SINDA FSC provides social work and counselling services to individuals and families experiencing difficulties in their personal, marital and family lives. Experienced and professionally-trained officers assess problems, conduct home visits, and provide the necessary assistance.
NURTURING MORE ENLIGHTENED FAMILIES
23
HOUSEHOLD INCOME SPMF Recipients

8 1% 52 5.8% 138 15.5% 389 43.7%
SINDA bURSARY SINDAs bursaries are for deserving full-time students from primary to pre-university levels, enrolled in government schools/educational institutions and independent schools. SINDA bursaries complement other financial schemes such as the Kindergarten Financial Assistance Scheme and pre-school bursaries. STRAITS TIMES SCHOOL POCKET MONEY FUND (SPMF) Just like all FSCs, SINDA FSC too leverages on government schemes to assist low-income families. We disburse SPMF to deserving clients. Recipients of both SINDA bursary and SPMF are eligible for subsidised tuition at SINDA STEP centres. Case officers also assess if the bursary recipients families need other assistance such as Neu PC, financial assistance and support for job placement/job upgrading. In 2010, SINDA disbursed 633 SINDA bursaries worth $423, 525 and 890 SPMF worth $381, 435.
303 34% Number of Households
890
HOUSEHOLD INCOME SINDA bursary Recipients

15 21 2.4% 3.3%
118 18.6% 283 44.7%
Recipients of both SINDA bursary and SPMF are eligible for subsidised tuition at our STEP centres. Case officers also assess if the bursary recipients families need other assistance such as Neu PC, financial assistance and support for job placement/job upgrading.
633
$1,000 and below $1,001 - $1,500 $1,501 - $2,000
$2,001 - $2,500 $2,501 and above
ANNUAL REPORT 2010
Helping Families Achieve Personal and Financial well-being
PRESCHOOL bURSARY SINDA provides Preschool bursaries to help Indian children from low-income families build a strong foundation in basic learning skills before entering Primary 1. This bursary is in addition to the Centre based Financial Assistance Scheme and other subsidies provided by the Ministry of Community Development, Youth and Sports (MCYS). Low-income families with children, aged 18 months to six years, enrolled in non-profit childcare centres are eligible for the Preschool bursary. To qualify, the mothers must be willing to seek employment to supplement the family income. In 2010, 230 children benefited from the Preschool bursary Scheme, amounting to $65,361.33.
bEFORE AND AFTER SCHOOL CARE (bASC) SUbSIDY SINDA provides financial assistance to parents who enrol their children in non-profit before and After School Care (bASC) centres. The bASC subsidy, provided to low-income families with children aged 7 to 14, augments the subsidies provided by MCYS, Community Development Councils and Student Care Centres. In 2010, 160 children benefited from bASC subsidies amounting to $41,030.07.
In 2010, 230 children benefited from the Preschool bursary Scheme, amounting to $65,361.33.
$1,000 and below $1,001 - $1,500 $1,501 - $2,000 $2,001 - $2,500 $2,501 and above
HOUSEHOLD INCOME Preschool bursary Recipients

11 5% 13 6% 43 18%
HOUSEHOLD INCOME bASC Recipients

9 5%
29 18% 101 44% 76 48% 46 29% Number of Households Number of Households
62 27%
230
160
25
NEU PC PROGRAMME SINDAs objective is to place a computer in every low-income Indian home. SINDA has collaborated with the Infocomm Development Authority of Singapore from 1998 to enable Indian students and their families to own personal computers with affordable Internet connection. These families are encouraged to attend basic IT training, which helps to make the entire family computer literate. Since the start of the programme, more than 4,151 new PCs have been placed in homes. In 2010, 269 families benefited from the programme.
LEGAL CLINIC The Legal Clinic is an initiative where volunteer lawyers offer free legal advice to low-income Indian families. These free sessions are held once a month at SINDA. Lawyers help to explain to clients the legal procedures and terms and also highlight legal costs that may be incurred in resolving issues. In 2010, 19 families attended and sought the services of the Legal Clinic.
HOUSEHOLD INCOME Neu PC Programme beneficiaries
31 12% 45 16%
110 41%
83 31%
269
Since the start of the programme, more than 4,151 new PCs have been placed in homes. In 2010, 269 families benefited from the programme.
$1,000 and below $1,001 - $1,500
$1,501 - $2,000 $2,001 - $2,500
ANNUAL REPORT 2010
Equipping Families and Youth with Skills
FAMILY AND YOUTH PROGRAMMES Project Victory (PV) and Senior Victory (SV) PV and SV are school-based motivational programmes. PV is for Primary 4 to Primary 6 pupils while SV is for Secondary students. both programmes enhance the self-esteem of students through fun and interactive activities which also spur them towards better academic performance. They also encourage the practice of positive life skills. Trained facilitators run the sessions; they customise the sessions to cater to the specific needs of students. The programmes are conducted weekly in two hour sessions for a maximum period of six months. The facilitators also continually update parents on their childrens progress and address the concerns that parents may have. In 2010, 422 students benefited from PV and SV. HOUSEHOLD INCOME PV students
6 3.5% 25 14.6% 81 47.4% 60 23.9% 59 34.5% Number of Households 73 29.1% Number of Households 49 19.5%
2010 PRoJECT VICToRY CENTRES bedok west Primary Farrer Park Primary Jiemin Primary Jing Shan Primary Jurong Primary Xingnan Primary Zhonghua Primary
2010 SENIoR VICToRY CENTRES bartley Secondary bendemeer Secondary bukit View Secondary Deyi Secondary East View Secondary Green Ridge Secondary Ping Yi Secondary Riverside Secondary Yishun Secondary Yuan Ching Secondary Yuhua Secondary
HOUSEHOLD INCOME SV students
69 27.5%
171
251
$1,500 and below $1,501 - $2,000
$2,001 - $2,500* $2,501 and above*
* Admitted under special circumstances including large family size
As we interact with them, we help them process life experiences so they can grow emotionally and gain inner strength to stand on their own.
Lolita Pillai, Senior Victory Facilitator
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YOUTH EMPOWERMENT PROGRAMME (YEP) YEP is a mentorship programme, reaching out to upper Primary and Secondary students, to boost their confidence and self-esteem. Volunteer mentors are paired with students on an individual or group basis for about eight months. The mentors give a listening ear to the students and advise them on the issues that these students may be facing. Peer pressure and relationship issues are among the typical problems they face. All mentors are screened and trained by SINDA. In 2010, 98 volunteers mentored 175 students in the programme. HOUSEHOLD INCOME YEP students
SINDA YOUTH CLUb (SYC) The idea for SYC was mooted in 2008 and initiatives were rolled out in late 2009. SYC was officially launched on 28 August 2010 by Deputy Prime Minister Mr Teo Chee Hean at Republic Polytechnic. SYC provides Indian youth with developmental and enrichment programmes with a strong educational agenda that inspires them to have positive aspirations. Since its inception, SYC has organised various youth programmes including workshops and dialogue sessions with prominent community leaders and outstanding industry practitioners from various fields. SYC has reached out to more than 900 youths to date. SYC aims to: Nurture vibrant Indian youths aged 13-35 with esteem and confidence to contribute to their community and nation, Involve Indian youth in a range of meaningful enrichment activities that keep them engaged and proactive in their studies and/ or professional lives,
16 9% 47 27% 68 39%
build a sense of mutual support and community spirit among participants through various activities and programmes, and
44 25%
Provide Indian youth with access to networks of mentors, role models and other sources of positive reinforcement.
175
$1,500 and below $1,501 - $2,000
$2,001 - $2,500* $2,501 and above*
Students at the SINDA Youth Club Launch
ANNUAL REPORT 2010
Some signature programmes organised by SYC include: Pathways Workshops The workshops enlighten youth in Junior College, Institute of Technical Education,Polytechnic or University on the future academic and career paths they can pursue, In-Conversation Series The sessions are led by industry experts. They share about the career opportunities in their industries and their own experiences in the field. Industries which are traditionally not popular among Indian youth (e.g. Advertising, Graphic Designing) are introduced to encourage them to consider economicallyviable careers, Distinguished Speaker Series At SINDAs Distinguished Speaker Series, distinguished professionals engage Indian undergraduates and working professionals through a dialogue session, and SINDA Young Leaders Programme (SYLP) is an experiential programme to develop a network of young leaders among Indians. The programme is targeted at promising youth aged 17 to 25, who have the conviction and commitment to be a catalyst in our community and inspire other youth to be active contributors to society.
INFORMATION TECHNOLOGY (IT) LIFESTYLE The IT Lifestyle programme encourages families to gain basic IT literacy and benefit from IT in their daily lives. It mainly targets families who have acquired a personal computer through a Neu PC scheme. As part of the programme, volunteers visit the homes of these families once a week for an hour to teach children basic PC skills such as how to use the Internet, operate Microsoft Office applications and set up email accounts. In 2010, 32 students benefited from the programme. IT wORkSHOPS In 2010, SINDA started IT workshops to enhance the IT skills of adults and senior citizens. Volunteers conduct the classes at Community Centres to teach basic PC skills such as using the Internet and operating Microsoft Office applications. Such training enables adults to assist their children/ grandchildren with school work that requires the use of a PC. In 2010, 160 Indian adults benefited from 10 workshops.
PROGRAMME AND OUTREACH Thought Leadership Series Pathways Workshops for Junior Colleges Pathways Workshop for Institute of Technical Education(ITE) SINDA Young Leaders Programme Networking Session Futsal knockout 2010 Play, Stop, Imagine Sports Activity Heritage Trail Official Launch
NO. OF YOUTHS 171 42 35 26 16 120 50 66 400
HOUSEHOLD INCOME Information Technology

4 12.5%
(In Conversation Series, Ministerial Dialogue and Distinguished Speaker Series)
15 46.9% 13 40.6% $1,500 and below Number of Households
32
$1,501 - $2,000 $2,001 - $2500
Total programmes
Total youths
926
Students interacting with the minister at SYc
29
Project Athena
PROJECT ATHENA Project Athena empowers single mothers to be confident individuals. The project provides a support network for mothers and increases their employability through skills upgrading. Their childrens educational needs are met as well. Project Athena also helps them to benefit from many enrichment activities.
EDuCATIoN LEVEL oF THE MoTHERS Primary Secondary Post-Secondary Total
No. 17 27 3 47
EDuCATIoN LEVEL oF THE CHILDREN Primary Secondary Post-Secondary Total
No. 84 22 106
HOUSEHOLD INCOME Project Athena

6 13%
AGE GRouP 19 and below 20-29 30-39 40-49 50-59 Total
No. oF MoTHERS 8 25 12 2 47
% 17 53 26 4 100
MARITAL STATuS Divorced Separated widowed Spouse Imprisoned Unwed Total
No. oF MoTHERS 29 6 7 4 1 47
% 62 13 15 8 2 100
47
$1,500 and below
$2,001 - $2,500*
MP Hri Kumar Nair and Minister Tharman Shanmugaratnam at Project Athena visit
ANNUAL REPORT 2010
Equipping Families and Youth with Skills
PROJECT SPARK Project SPARk (Successful Parents and Resilient kids) is a collaborative effort between Temasek Cares (a charity arm of Temasek Holdings) and the four Self-Help Groups. It is a holistic and integrated intervention programme to help single parents rebuild their lives, and overcome their challenges. Temasek Cares provided Self-Help Groups with $600,000 to support single mothers through this project. In 2010, 30 mothers participated in the programme. PROJECT READ Project Read, a volunteer-driven programme, equips Indian children aged four to eight with basic reading skills and inculcates the reading habit in them at an early age. Each child is matched to a volunteer, who visits the childs home for an hour each week for up to six months. Most of the children on Project Read are pre-schoolers facing reading difficulties. They are mainly from low-income families. In 2010, 208 children benefited from Project Read. HOUSEHOLD INCOME Project Read beneficiaries
5 9 2.4% 4.3%
45 21.6% 149 71.7%
208
$1,500 and below $1,501 - $2,000
$2,001 - $2,500* $2,501 and above*
Project Read, a volunteerdriven programme, equips Indian children aged four to eight with basic reading skills and inculcates the reading habit in them at an early age.
Project Read
31
Volunteer befrienders are matched to a family for six months to offer support and encouragement.
GROUP-bASED READING PROGRAMME The group-based reading programme is a school-based initiative targeted at Indian students in pre-schools. A group of volunteers reach out to these students and equip them with basic reading skills and inculcate the reading habit in them at an early stage. 44 students from The Global Indian International School (Queenstown campus) volunteered to read to students at the Saraswathy Kindergarten, Vithya Junior City and Jamiyah Childcare Centre.
bEFRIENDERS PROGRAMME Families that have challenges and are unable to run their lives in a positive manner benefit from the befrienders programme. The programme also assists them in setting realistic goals and attaining them. Volunteer befrienders are matched to a family for six months to offer support and encouragement. In 2010, 17 families benefited from this programme.
HOME-bASED TUITION SINDAs Home-based Tuition programme is offered to primary and secondary students from less-privileged families. These students are unable to travel to STEP classes and their schools do not offer Project Teach. They are considered on a case-by-case basis. Unlike STEP and Project Teach which are conducted by paid tutors, Homebased Tuition is conducted by volunteer tutors. These volunteers visit the students homes once a week for an hour and tutor them for a minimum of six months. 39 students benefited from this programme in 2010.
Group-Based Reading Programme
ANNUAL REPORT 2010
Bringing Jobseekers one Step Closer to Skills upgrading and Gainful Employment
CAREER DEVELOPMENT AND RESOURCE CENTRE (CDRC) SINDAs CDRC serves as a onestop information and referral service centre for skills upgrading and career advancement for lowskilled adult Indian workers. CDRC underscores the importance SINDA places on skills upgrading and continuous learning. From January to December 2010, 1,011 enquiries were made at the CDRC. In all 469 job seekers received referrals for employment placement, of which 180 were successfully placed in jobs. Another 189 clients were referred to other agencies for training. The following services are available at the CDRC: Training Referral, Job Referral,
Practical Guide on Interview Skills and Personal Effectiveness Workshop, Job Preparation Exercises, Industry Previews, and Career and Training Roadshows. PARTNERS CDRCs partners include: Singapore Workforce Development Agency (WDA), Community Development Councils (CDC), The Peoples Association Indian Activity Executive Committees Co-ordinating (PAIAEC) Council, National Trades Union Congress (NTUC), Employment and Employability Institute (e2i),
CareerLink Plus (CLP), Other Self-Help Groups(SHG), National Environment Agency (NEA), Little India Shopkeepers and Heritage Association (LISHA), NTUC Union for Casual & Contract workers (NTUC-UCCw), Ministry of Manpower, Central Provident Fund (CPF) board, and Singapore Manufacturers Federation (SMa). SCHEMES AVAILAbLE AT CDRC Employability Skills System (ESS), Workforce Skills Qualification (WSQ), Surrogate Employer Scheme (SEP), and Place & Train Scheme (P&T). CAREERLINK PLUS (CLP) Careerlink Plus, funded by the Workforce Development Agency (WDA) and run by the Self-Help Groups, is a job matching and placement service to help the long term unemployed. This programme has been part of the holistic client-centric assistance that is provided by SINDA, Yayasan Mendaki, Chinese Development Assistance Council (CDAC), Eurasian Association (EA) and Association of Muslim Professionals (AMP).
AGE RANGE 20-30 31-40 41-50 51-60 61 and above Total
No. oF PLACEMENTS 57 44 43 28 8 180
EDuCATIoN Primary Secondary N/O level A level Diploma Degree ITE Total
No. oF PLACEMENTS 37 45 62 1 11 7 17 180
33
Jobseekers at the SINDA- Narpani Career Roadshow
STRENGTHENING PARTNERSHIPS, CoMMuNITY ENGAGEMENT AND ouTREACH
SINDA annual report 2009
SINDA cannot improve Indian students academic performance on its own. We act as a catalyst by drawing on the communitys resources and partnering several organisations in this collective effort. SINDA actively collaborates with schools, grassroots organisations, Indian Activity Executive Committees, self-help groups and other civic organisations to reach out to students, families and the community at large. Through direct ground outreach as well as mass media, the Internet and social networking platforms, we inform the community about our programmes and services.
The Community cannot rest until the Mission [of leveling up results at landmark exams] is accomplished
action committee on Indian Educations (acIE) letter to members of parliament, 1991
ANNUAL REPORT 2010
working with Individuals who are willing to Lend a Helping Hand
Strengthening Partnerships, Community Engagement and Outreach
SINDA VOLUNTEERS Its been another busy and successful year for the Volunteer Relations Department (VRD). Tasked with promoting volunteerism and providing support to volunteers, we have made positive strides by developing innovative resources and providing meaningful volunteer opportunities that our beneficiaries and the community seek. Volunteers make a positive difference in many lives by nurturing the love for reading among young children, mentoring youth, befriending a family, imparting IT skills to both the youth and the adults, providing legal advice to families and tutoring under-performing students. None of this would be possible without the tireless dedication and commitment of our volunteers. Key Information on SINDA Volunteers: In 2010, 2,713 volunteers contributed their time to SINDA, 555 new volunteers registered with SINDA in 2010, 1,285 volunteers contributed to our ad hoc projects, activities and events. On an average, each volunteer contributed about 9 hours throughout the whole year, 428 volunteers were engaged in long term programmes in 2010; contributing an average of 24 hours each in the year, 52.8% of volunteers engaged in long term programmes are aged 30 years and below, 46.8% are degree or higher degree holders, and 460 appointed volunteers served on board, Executive Committee, various sub-committees and as SINDA liasion officers and school coordinators.
Volunteers make positive differences in many lives by nurturing the love for reading among young children, mentoring youth, befriending a family, imparting IT skills to both the youth and the adults
minister tharman Shanmugaratnam presenting an award at Volunteers tea 2010
37
I remember my mum used to read to me and I wanted to bring that experience to another kid.
Sushmitha Changroth, recipient of the Outstanding Volunteer Rookie Award at the Volunteers Tea 2010
I feel happy when I see the children reading better.

Sarada Nair, recipient of the Silver Award at the Volunteers Tea 2010
Launch of Volunteers- our Shining Stars book at Volunteers Tea 2010
ANNUAL REPORT 2010
Reaching out to the Community
Strengthening Partnerships, Community Engagement and Outreach
OUTREACH EFFORT SINDa connections The SINDA connections newsletters are circulated three times a year to some 65,000 households that contribute to the SINDA CPF Fund. The newsletters were also distributed to various educational institutions, Indian organisations, community and grassroots leaders, the Community Development Councils (CDCs), National Library board (NLb) branches and religious organisations. Advertisement support was solicited from various advertisers for both the June and November 2010 editions to help defray the cost of designing and printing the newsletter. television Interstitials SINDA produced 10 two-minute television interstitials in 2010. The interstitials based on family themes were broadcast on Mediacorps Vasantham channel from February to July 2010. Two interstitials were televised weekly. The interstitials aimed to educate and equip parents with responsible parenting skills and create positive relationships within the family. In addition, another 10 separate twominute thematic interstitials, carrying key educational and social messages, were aired on Vijay TV from August to December 2010. These dramatised segments featured popular television celebrity Vadivalagan PVSS communicating the message. Radio Programme From September to December 2010, SINDA commissioned a radio programme on Oli 96.8FM, entitled Family Tips. These were one-minute message capsules with family-based themes that provided families with simple tips on parenting styles. This programme was aired three times a day, five times a week. The Radio Jockey (RJ) elaborated on the themes through the use of interesting anecdotes. It was also a platform to publicise key SINDA programmes. Media Coverage The role of the media in SINDAs outreach efforts was significant in 2010. Through SINDAs collaboration with the broadcast and print media, SINDA received more than 140 mentions in the year. SINDAs programmes and services were brought to the attention of the public through the use of new media. Advertorials From May to September 2010, SINDA placed advertorials on tabla! to feature our events, programmes and initiatives. tabla! is a weekly newspaper that reports news from India and Singapore, catering particularly to ethnic Indian readers. The full-page advertorials were published every fortnight, featuring SINDAs programmes, as well as parenting and education tips. eNewsletter Since January 2010, SINDA has engaged more than 2,000 individuals through a monthly eNewsletter. It served to keep the public aware of SINDAs programmes and services. In addition, this eNewsletter was a good platform to highlight upcoming events and invite participation from students, youths and adults.
Since January 2010, SINDA has reached out to more than 2,000 individuals through a monthly eNewsletter. It served to keep the public aware of SINDAs programmes and services.
39
Project Give offers a wonderful opportunity for organisations and individuals to come together with a common spirit of community and purpose to ensure that no childs education is compromised due to financial constraints.
PROJECT GIVE 2010 Project Give is SINDAs annual fundraising campaign to raise funds to support the educational needs of school-going children from lowincome families. Initiated in 2001 as a community-wide effort, Project Give offers a wonderful opportunity for organisations and individuals to come together with a common spirit of community and purpose to ensure that no childs education is compromised due to financial constraints. SINDA and Vasantham jointly organised the Project Give Charity Show 2010 Kai Kodupom on 27 November 2010. The charity show featured several popular Vasantham personalities. It also showcased SINDAs beneficiaries and NETwORkING SESSIONS One of SINDAs key objectives is to bring its educational agenda to the Indian community at large and ensure buy-in for its programmes and services from the community. In line with this, SINDA held several networking sessions with Indian religious organisations and other sub-ethnic communities. Through these sessions, SINDA was also able to collaborate with various organisations to reach out to a greater number of Indians, build partnerships and identify the issues faced by Indians.
families to convey the message that the entire community needs to work in unison to bring about a brighter future for those who need help. The innovative fund-raising techniques, the assistance of our partners and volunteers, along with the generosity of the public helped SINDA raise $1.14 million for Project Give 2010. FESTIVE GIFT PACKS This year, 1,200 festive gift packs were distributed by volunteers and organisations to low-income families during the Hari Raya Puasa, Deepavali and Christmas seasons.
Project Give Live Charity Show
festive Gift packs presentation during Hari Raya puasa
ANNUAL REPORT 2010
Vadi PVSS interacts with the students at the SINDA-ITE Roadshow
41
SINDA is doing Narpani and Narpani Pearavai is doing its part in Indian development. In a large and practical way we overlap considerably. This partnership is powerful!
Mr T Raja Segar, CEO, SINDA
* Narpani means Working for the common good
SINDA-NARPANI ENGAGEMENT FORUM SINDA and Narpani Pearavai, the Peoples Association Indian Activity Executive Committees Coordinating Council held an engagement forum titled Achievements and Aspirations on 20 February at the Grassroots Club. The late Dr balaji Sadasivan, Senior Minister of State for Foreign Affairs, President of SINDA and Advisor to Narpani Pearavai, graced the event as the Guest-of-Honour. The forum reviewed the progress made with regards to the Memorandum of Understanding (MOU) that was signed between Narpani Pearavai and SINDA in 2009. The MOU paved the way for the two organisations to address the continuous skills training and employment issues faced by the Indian community.
SINDA-ITE ROADSHOW SINDA and the Institute of Technical Education (ITE) jointly organised the SINDA-ITE Roadshow on 26 February 2010 at ITE College East campus. Titled Secrets to Success, the road show was targeted at first-year ITE students to motivate them to believe in themselves, set high goals and most importantly, complete their ITE education. This road show was first held in 2009 and helps create an avenue for students to understand the advantages that an ITE education accords and gave them tips on how to persevere through their stint in ITE.
MOTIVATIONAL TALKS SINDA partnered schools and IAECs to organise motivational talks for parents and students regularly. To ensure that the topics are relevant to the needs of the Indian community, topics were revised to include more talks on Mathematics and the resource speaker pool was widened. OTHER OUTREACH EFFORTS As a part of its outreach efforts, SINDA set up booths at partner organisations events and provided information on SINDAs programmes, services and initiatives as well as details to Indian families at these events.
ANNUAL REPORT 2010
Students seated at the Indian Community Bursary Awards Ceremony
INDIAN COMMUNITY bURSARY AWARDS CEREMONY (ICbAC) AND bACK TO SCHOOL FESTIVAL (bTSF) SINDA held its annual ICbAC and bTSF on 4 December. Dr Vivian balakrishnan, Minister for Community Development, Youth and Sports, graced the event as the Guest-of-Honour. The ICbAC was held in collaboration with the Singapore Indian Education Trust (SIET) and Tamils Representative Council (TRC). Of 1,000 bursary recipients, 80 students received their awards at the ceremony. As part of the bTSF, 600 back to School kits were distributed to needy students to prepare them for the school year ahead. Each kit, worth $100, contained a school bag, bATA vouchers for shoes and socks, POPULAR bookstore vouchers for stationery and books. The students who received the back to School kits came from families with a per capita income of between $250 and $350. During the festival, workshops on parenting, nutrition and arts were also held. Several games and activities such as penalty strike, dunking machines and carnival games were organised to make the day fun and memorable for the students. More than 1,000 parents and students attended the event.
LETS REACH OUT From May to September 2010, SINDA volunteers reached out to over 200 students through Lets Reach Out. SINDA engaged students through motivational talks, workshops, and seminars, as well as house visits by trained volunteers. The aim was to get more students to enrol in SINDAs educational programmes. We also engaged the parents of SINDA bursary recipients who came to SINDA for the mid-year bursary review exercise in June. We encouraged them to enrol their children in STEP. MOE-SINDA SEMINAR The MOE-SINDA seminar aims to help parents and children cope with the transition from kindergarten to primary school. The seminar on primary school education featured a Parent Ambassador, School Principal and a Master Mathematics Teacher who shared their expertise. Held at the MOE Edutorium, 91 parents attended the event.
CORPORATE SERVICES DIVISION (CSD) CSD provides the back end administrative, human resource, IT, logistical and building maintenance supports to SINDA. Cost savings and Cost avoidanCe Mindful that the delivery of direct financial and indirect aid to our beneficiaries in our community should be at maximum level, CSD strives hard to save on all costs and/or avoid costs altogether. A key strategy adopted by SINDA to minimise operating costs is to constantly strive to leverage on national resources and review its systems and processes to achieve greater productivity. In 2010, SINDA achieved $259,000 in terms of cost avoidance and savings. These savings/avoidance were channelled back into our programmes and services.
43
SINDA would like to thank all our partners, donors and volunteers for their valuable contributions in 2010.
ANNUAL REPORT 2010
EDuCATIoNAL INDICAToRS 2009

Source: Ministry of Education
EDUCATIONAL INDICATORS 2009
45
PERCENTAGE OF STUDENTS wHO PASSED PSLE
100 91.6 90 80
95.8
96.7 93.7 93.2
96.3
95.0
97.2
95.5
97.4
96.1 97.8
95.9
97.7
96.2 97.7
95.5
97.1
95.0
97.1
70
60
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
Percentages are based on all students. The first batch of students under the adjustment of the promotion criteria from P5 to P6 sat for PSLE in 2001.
PERCENTAGE OF PSLE STUDENTS WHO SCORED A* C IN STANDARD ENGLISH LANGUAGE

99.4 98.9 98.2 97.6 98.7 98.5 97.5 98.3 97.5 98.2 97.5
100
97.9
97.5 97.5
98.0
97.5
98.6 97.9
98.0 97.5
90 80
70
60
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
The first batch of students under the adjustment of the promotion criteria from P5 to P6 sat for PSLE in 2001.
Indian
Overall
ANNUAL REPORT 2010
Educational Indicators 2009
PERCENTAGE OF PSLE STUDENTS WHO SCORED A* C IN STANDARD MOTHER TONGUE LANGUAGE
100
96.4
98.7
95.5
97.8
97.0 98.3
97.0 98.1
96.6 97.9
96.4 98.0
96.8 98.0
97.1 98.0
96.7 98.1
97.1 97.6
90 80
70
60
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
PERCENTAGE OF PSLE STUDENTS WHO SCORED A* C IN STANDARD MATHEMATICS

100
90 80 72.3 70
86.5 82.8 83.0 83.3 73.7 83.2
83.9 74.7
84.1
83.2 74.0
83.1 76.3 72.9
83.8
69.0
69.6
72.4
73.2
60
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
Indian
Overall
47
PERCENTAGE OF PSLE STUDENTS WHO SCORED A* C IN STANDARD SCIENCE
100 93.3 90 80 87.7 84.1 90.5 85.4 91.4 86.2 91.3 85.5 90.9 85.5 90.7 84.8 90.5 84.4 90.3 85.8 90.9 86.6 90.8
70
60
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
PERCENTAGE OF GCE O LEVEL STUDENTS WITH AT LEAST 3 O LEVEL PASSES

100 92.3 90 80 87.2 93.5 89.1 90.1 94.2 91.8
94.7 91.3
95.0
92.6
95.4
92.9
95.2 91.3
94.7
94.8 91.3
95.1 91.8
70
60
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
Figures from 2005 onwards exclude IP students.
Indian
Overall
ANNUAL REPORT 2010
PERCENTAGE OF GCE O LEVEL STUDENTS WITH AT LEAST 5 O-LEVEL PASSES
100
90 80 77.8 70.3 66.2 80.0 71.3 80.0 73.5 81.6 73.7 82.7 81.1 72.9 75.0 82.0 80.8 72.6 73.0 81.3 73.0 81.9
70
60
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
PERCENTAGE OF GCE O LEVEL STUDENTS WHO PASSED MOTHER TONGUE LANGUAGE

100 89.2 96.2 96.7 96.5 97.1 97.4 96.0 95.5 96.1 96.0 96.5 98.1 96.8 97.6 96.3 97.5 96.7 97.1
94.6
93.5
90 80
70
60
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
Indian
Overall
49
PERCENTAGE OF GCE O LEVEL STUDENTS WHO PASSED ENGLISH LANGUAGE
100 88.5 81.4 84.1 89.9 85.0 92.2 86.0 92.4 86.5 90.3 86.1 90.2 86.8 91.1 86.9
90 83.7 80
87.1 79.8 76.3
86.1
70
60
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
PERCENTAGE OF GCE O LEVEL STUDENTS WHO PASSED MATHEMATICS

100 89.0 88.3 79.0 75.9 88.4 88.9
90 80 73.3 70
87.1
86.6
87.5
87.7
87.0 77.6
87.8
73.5
75.6
76.1
77.3
76.8
77.7
60
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
Indian
Overall
ANNUAL REPORT 2010
PERCENTAGE OF GCE A LEVEL STUDENTS WITH AT LEAST 3 A/H2 PASSES AND PASS IN GENERAL PAPER OR kNOwLEDGE AND INQUIRY
100 88.6 84.2 87.8
90 80 80.6 81.6
85.8 84.8 81.1
85.2
87.3 87.2
86.6
87.2 81.6
87.0 82.2
87.1 82.7
87.6
85.4
70
60
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
Figures from 2007 and 2008 include students taking either the new or old syllabus.
PERCENTAGE OF GCE A LEVEL STUDENTS WHO PASSED GENERAL PAPER OR KNOWLEDGE AND INQUIRY
100 92.1 90 80 87.1 93.0 89.3 94.0 90.8 96.5 91.9
95.5
94.2
94.0 93.2
94.3
92.2
91.4 91.4
92.7 91.9
94.3
92.3
70
60
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
Indian
Overall
51
PERCENTAGE OF GCE A LEVEL STUDENTS WHO PASSED MOTHER TONGUE LANGUAGE AT AO/H1 LEVEL
100 92.6 90 80
96.2
93.6
96.2
96.2 96.7
96.7 97.6 93.1
96.6 89.0
94.7
91.7
94.6
95.9 92.2
92.8
95.4 90.6
94.9
70
60
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
PERCENTAGE OF P1 COHORT ADMITTED TO POST-SECONDARY INSTITUTIONS

100 89.5 85.1 84.9 91.0 85.9 90.4 86.6 91.2 92.6 89.8 89.5 92.6
90 83.8 80 74.9 70 77.7
86.2 80.1
87.6 82.0
88.0
60
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
Junior Colleges, Centralised Institute, Polytechnics, ITE, LaSalle College of the Arts, Nanyang Academy of Fine Arts and other private educational institutions offering courses at post-secondary level. Figures for 2005 2009 are preliminary. Figures include participation in LaSalle College of the Arts, Nanyang Academy of Fine Arts and other private educational institutions, and also take into account students who have left the country.
Indian Overall
ANNUAL REPORT 2010
General Information
53
Financial Statements
Year ended 31 December 2010
54
AnnuAl RepoRt 2010
Income at a glance
total Income 2010

Donations CPF Scheme Donations/sponsorships Government subvention MCYS Funding/NCSS & STB FSC Grant/SPMF Tuition Programme fees received Interest income $6,911,805 $1,471,512 $1,700,000 $2,739,070 $308,981 $215,318
13% 11% 21%
2% 2%
52%
total Income
13,346,686
total Income 2009
Donations CPF Scheme Donations/sponsorships Government subvention MCYS Funding/NCSS & STB FSC Grant/SPMF Tuition Programme fees received Interest income $6,338,121 $1,376,753 $1,700,000 $2,684,687 $416,967 $10,437
11% 14% 51% 21% 3%
total Income
12,526,965
Independent auditors report
55
Expenditure at a glance
Total Expenditure 2010

9% 13%
Education Family and Youth Development/ Volunteer Relations

54%
$7,030,607 $3,201,142 $1,678,592 $1,218,142
Corporate Communications & Community Engagement Other operating costs
24%
Total Expenditure
13,128,483
Total Expenditure 2009
7% 16%
Education Family and Youth Development/ Volunteer Relations

57%
6,873,513 2,331,047 1,951,038 806,858
Corporate Communications & Community Engagement Other operating costs
19
Total Expenditure
11,962,456
56
AnnuAl RepoRt 2010
Statement by President, Chief Executive Officer and the Treasurer
We, Indranee T. Rajah, T. Raja Segar and R. Subramaniam Iyer, do hereby state that in our opinion: (a) the financial statements of the Singapore Indian Development Association (the Association) set out on pages 59 to 92 are properly drawn up to present fairly in all material respects, the state of affairs of the Association as at 31 December 2010 and the income and expenditure, changes in funds and cash flows of the Association for the year ended on that date in accordance with the Singapore Financial Reporting Standards; and (b) at the date of this statement, the Association will be able to pay its debts as and when they fall due. The Executive Committee has, on the date of this statement, authorised these financial statements for issue.
On behalf of the Executive Committee
Indranee T. Rajah
President
T. Raja Segar
Chief Executive Officer
R. Subramaniam Iyer
Treasurer 8 March 2011
57
Members of Singapore Indian Development Association (Registered under the Charities Act, Chapter 37 and the Societies Act, Chapter 311)
Report on the financial statements

We have audited the accompanying financial statements of Singapore Indian Development Association (the Association), which comprise the balance sheet as at 31 December 2010, statement of comprehensive income, statement of changes in funds and cash flow statement for the year then ended, and a summary of significant accounting policies and other explanatory information, as set out on pages 59 to 92. Executive Committees responsibility for the financial statements The Executive Committee is responsible for the preparation and fair presentation of these financial statements in accordance with the provisions of the Charities Act, Chapter 37 (the Act) and Singapore Financial Reporting Standards, and for such internal control as the Executive Committee determines is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error. Auditors responsibility Our responsibility is to express an opinion on these financial statements based on our audit. We conducted our audit in accordance with Singapore Standards on Auditing. Those standards require that we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatement. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditors judgement, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the entitys preparation and fair presentation of these financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the entitys internal control. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of accounting estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion. Opinion In our opinion, the financial statements of the Association present fairly, in all material respects, of the state of affairs of the Association as at 31 December 2010, and of its income and expenditure, changes in funds and cash flows of the Association for the year then ended in accordance with Singapore Financial Reporting Standards.
KpMG llp
16 Raffles Quay #22-00 Hong Leong Building Singapore 048581
Telephone +65 6213 3388 Fax +65 6225 0984 Internet www.kpmg.com.sg
58
AnnuAl RepoRt 2010
Independent auditors report (Cont.)
Report on other legal and regulatory requirements

In our opinion: (a) the accounting and other records required by the regulations enacted under the Societies Act to be kept by the Association have been properly kept in accordance with those regulations; and (b) the fund-raising appeal held during the year ended 31 December 2010 has been carried out in accordance with Regulation 6 of the Societies Regulations issued under the Societies Act, Chapter 311 and proper accounts and other records have been kept of the fund-raising appeal. During the course of our audit, nothing has come to our attention that cause us to believe that: (a) The Association did not comply with the requirements of Regulation 15 of the Charities (Institutions of a Public Character) Regulations 2007. (b) The donation monies have not been used in accordance with the objectives of the Association as an Institute of a Public Character.
KpMG llp
Public Accountants and Certified Public Accountants
Singapore
8 March 2011
Balance Sheet
59
Balance sheet
As at 31 December 2010
Note Non-current asset Property, plant and equipment Current assets Government Subvention receivable Donations receivable Central Provident Fund Board Scheme Donations receivable Singapore Totalisator Board Deposits, prepayments and other receivables Financial assets Investments Cash and cash equivalents
2010 $ 598,856
2009 $ 587,750
12
5 6 7
1,700,000 593,993 1,025,000 826,157 24,930,684 5,225,408 34,301,242 34,900,098
1,700,000 544,184 500,000 844,245 20,575,049 5,816,338 29,979,816 30,567,566
Total assets Representing: Funds Unrestricted funds Accumulated fund Sinking fund
9 10
7,658,427 1,000,308 8,658,735 20,891,108 29,549,843
7,301,853 1,074,619 8,376,472 19,309,387 27,685,859
Endowment fund Total funds Current liabilities Other payables and accrued expenses Unutilised specific grants/donations Total liabilities Total liabilities and funds
11
871,907 4,478,348 5,350,255 34,900,098
962,511 1,919,196 2,881,707 30,567,566
The accompanying notes form an integral part of these financial statements.
60
AnnuAl RepoRt 2010
Statement of comprehensive income
--------------------- Unrestricted Funds ----Financial activities/Income and expenditure Note Incoming resources Incoming resources from generated funds (i) Voluntary income: Donation- Central Provident Fund (CPF) Contribution Donation from Singapore Totalisator Board (STB) Donations/Sponsorships Other donations Income from School Pocket Money Fund (SPMF) (ii) Investment income: Dividend income Interest income - debt securities - fixed deposits and bank balances Incoming resources from charitable activities (i) Income from approved projects: Tuition programme fees (ii) Government Grants: Ministry of Community Development, Youth and Sports (MCYS), Temporary Occupation Licence (TOL) Fee Grant Government Subvention GST Offset Package Grant National Council of Social Service - STB Funding Grant from Central Singapore Community Development Council (CSCDC) MCYS Family Services (FS) Funding Other Funding MCYS Additional Funding Jobs Credit Scheme Temasek Care Funding Other incoming resources Investment gains/(losses): Net gain on disposal of trading securities Exchange loss Unrealised gain on trading securities Total incoming resources The accompanying notes form an integral part of these financial statements. Accumulated Fund $
6,911,805 525,000 810,924 135,588 381,435
51,981 3,062 4,233
308,981
13 12
431,270 1,700,000 162,000 467,981 470,357 333,528 78,580 360,000 46,792 7,127
93,137 62,905 13,346,686
Statement of Comprehensive Income
61
-------------------------------------- Sinking Fund $
----------------------------------------- Endowment Funds-------------------------------------------- General Vijay and Padma and Hari Harilela Endowment Fund Amar Trust Fund Scholarship Fund $ $ $
2010 Total $
6,911,805 525,000 810,924 135,588 381,435
15,595 916 734
273,705 10,016 571
14,676 864
4,384 258
360,341 15,116 5,538
308,981
431,270 1,700,000 162,000 467,981 470,357 333,528 78,580 360,000 46,792 7,127
27,942 18,873 64,060
578,857 (360,827) 997,485 1,499,807
26,296 22,534 64,370
7,854 5,048 17,544
734,086 (360,827) 1,106,845 14,992,467
62
AnnuAl RepoRt 2010
Statement of comprehensive income (Cont.)
--------------------- Unrestricted Funds ----Resources Expended Cost of generating funds Cost of generating voluntary income: CPF Agency Charges Charitable activities: Education programmes Family and Youth Development/Volunteer Relations Corporate Communications & Community Engagement School Pocket Money Fund (SPMF) programme Governance costs Administrative expenses Total resources expended Net surplus of income over expenditure Other comprehensive income for the year, net of income tax Total comprehensive income for the year Note Accumulated Fund $
108,826
13 13 13
6,649,172 3,201,142 1,678,592 381,435
13
1,109,316 13,128,483 218,203 218,203
63
-------------------------------------- Sinking Fund $
2010 Total $
108,826
6,649,172 3,201,142 1,678,592 381,435
64,060 64,060
1,499,807 1,499,807
64,370 64,370
17,544 17,544
1,109,316 13,128,483 1,863,984 1,863,984
64
AnnuAl RepoRt 2010
Statement of comprehensive income
--------------------- Unrestricted Funds ----Financial activities/Income and expenditure Note Incoming resources Incoming resources from generated funds (i) Voluntary income: Donation- Central Provident Fund (CPF) Contribution Donation from Singapore Totalisator Board (STB) Donation/Sponsorships Other donations Income from School Pocket Money Fund (SPMF) (ii) Investment income: Dividend income Interest income - debt securities - fixed deposits and bank balances Incoming resources from charitable activities (i) Income from approved projects: Tuition programme fees (ii) Government Grants: Ministry of Community Development, Youth and Sports (MCYS), Temporary Occupation Licence (TOL) Fee Grant Government Subvention GST Offset Package Grant National Council of Social Service - STB Funding Grant from Central Singapore Community Development Council (CSCDC) MCYS Family Services (FS) Funding Other Funding MCYS Additional Funding Jobs Credit Scheme Other incoming resources Investment gains/(losses): Net loss on disposal of trading securities Exchange loss Unrealised gain on trading securities Total incoming resources Accumulated Fund $
6,338,121 500,000 406,098 470,655 687,395
10,437
416,967
13 12
368,880 1,700,000 184,500 275,377 201,092 263,071 124,374 360,000 219,998
12,526,965
65
-------------------------------------- Sinking Fund $
2009 Total $
2,000
6,338,121 500,000 406,098 472,655 687,395
4,014
249,243 16,212
1,886
1,513
249,243 16,212 17,850
416,967
368,880 1,700,000 184,500 275,377 201,092 263,071 124,374 360,000 219,998
4,014
(2,264,725) (34,559) 5,257,817 3,225,988
1,886
1,513
(2,264,725) (34,559) 5,257,817 15,760,366
66
AnnuAl RepoRt 2010
Statement of comprehensive income (Cont.)
--------------------- Unrestricted Funds ----Resources Expended Cost of generating funds Cost of generating voluntary income: CPF Agency Charges Charitable activities: Education programmes Family and Youth Development/Volunteer Relations Corporate Communications & Community Engagement School Pocket Money Fund (SPMF) programme Governance costs Administrative expenses Total resources expended Net surplus of income over expenditure Other comprehensive income for the year, net of income tax Total comprehensive income for the year Note Accumulated Fund $
103,565
13 13 13
6,186,118 2,331,047 1,951,038 687,395
13
703,293 11,962,456 564,509 564,509
67
-------------------------------------- Sinking Fund $
2009 Total $
103,565
6,186,118 2,331,047 1,951,038 687,395
4,014 4,014
3,225,988 3,225,988
1,886 1,886
1,513 1,513
703,293 11,962,456 3,797,910 3,797,910
68
AnnuAl RepoRt 2010
Statement of Changes in Funds
--------------------- Unrestricted Funds ----Accumulated Fund $ At 1 January 2009 Total comprehensive income for the year Surplus of income over expenditure Other comprehensive income Total comprehensive income for the year Transfer from Sinking Fund to Accumulated Fund# Transactions with members, recorded directly in funds Contributions by and distributions to members At 31 December 2009 At 1 January 2010 Total comprehensive income for the year Surplus of income over expenditure Other comprehensive income Total comprehensive income for the year Transfer from Sinking Fund to Accumulated Fund# Transactions with members, recorded directly in funds Contributions by and distributions to members At 31 December 2010 6,541,654 564,509 564,509 195,690 7,301,853 7,301,853 218,203 218,203 138,371 7,658,427
Transfer of $138,371 (2009: $195,690) from the Sinking Fund to the Accumulated Fund was approved by the Executive Committee.
69
-------------------------------------- Sinking Fund $ 1,266,295 4,014 4,014 (195,690) 1,074,619 1,074,619 64,060 64,060 (138,371) 1,000,308
----------------------------------------- Endowment Funds-------------------------------------------- General Vijay and Padma and Hari Harilela Endowment Fund Amar Trust Fund Scholarship Fund $ $ $ 14,853,080 3,225,988 3,225,988 18,079,068 18,079,068 1,499,807 1,499,807 19,578,875 975,175 1,886 1,886 977,061 977,061 64,370 64,370 1,041,431 251,745 1,513 1,513 253,258 253,258 17,544 17,544 270,802
Total $ 23,887,949 3,797,910 3,797,910 27,685,859 27,685,859 1,863,984 1,863,984 29,549,843
70
AnnuAl RepoRt 2010
Cash flow statement
note Cash flows from operating activities Surplus of income over expenditure for the year Adjustments for: Dividend income (Gain)/loss on disposal of trading investment securities Unrealised gain on trading investment securities Loss on foreign exchange Depreciation Interest income - debt securities - fixed deposits and bank balances Changes in working capital: Donations, grants and subventions receivables Deposits, prepayments and other receivables Other payables, accrued expenses and unutilised grants Net cash from operating activities Cash flows from investing activities Purchase of property, plant and equipment Purchase of investments Proceeds from sale of investments Interest received - debt securities - fixed deposits and bank balances Dividend received Net cash used in investing activities Net (decrease)/increase in cash and cash equivalents Cash and cash equivalents at 1 January Cash and cash equivalents at 31 December
2010 $ 1,863,984 (360,341) (734,086) (1,106,845) 360,827 285,420 (15,116) (5,538) 288,305 (574,809) 18,088 2,468,548 2,200,132
2009 $ 3,797,910 (249,243) 2,264,725 (5,257,817) 61,913 176,771 (16,212) (17,850) 760,197 (7,958) (44,980) 1,495,274 2,202,533
(296,526) (12,846,468) 8,694,771 15,116 5,538 360,341 (4,067,228) (1,867,096) 9,469,946 7,602,850
(428,139) (8,359,571) 7,975,647 16,212 17,850 249,243 (528,758) 1,673,775 7,796,171 9,469,946
Notes to the financial statements
71
These notes form an integral part of the financial statements. The financial statements were authorised for issue by the Executive Committee on 8 March 2011.
Domicile and activities

Singapore Indian Development Association (the Association) is a society registered with the Registrar of Societies under the Societies Act, Chapter 311. Its registered office is located at No. 1 Beatty Road, Singapore 209943. The Associations Vision and Mission includes the following:
Vision
To build a strong and vibrant Singaporean Indian community together.
Mission
To build a well educated, resilient and confident community of Indians that stands together with the other communities in contributing to the progress of multi-racial Singapore. In order to achieve its vision and mission the Association has articulated three Strategic Thrusts as follows: i) Maximising educational opportunities for all ii) Nurturing more enlightened families iii) Strengthening partnerships, community engagement & outreach The Association runs a range of programmes, services and initiatives aligned to its three Strategic Thrusts. The Association has been approved as an Institution of Public Character under the provisions of Income Tax Act for a period of 5 years with effect from 16 December 2006. The Association is also registered as a charity under the Charities Act, Chapter 37.
72
AnnuAl RepoRt 2010
Notes to the financial statements (Cont.)
Basis of preparation
2.1 Statement of compliance The financial statements are prepared in accordance with Singapore Financial Reporting Standards (FRS). 2.2 Basis of measurement The financial statements have been prepared on the historical cost basis except for certain financial assets - investment trading securities, which are measured at fair value. 2.3 Functional and presentation currency The financial statements are presented in Singapore dollars which is the Associations functional currency. All financial information is presented in Singapore dollars, unless otherwise stated. 2.4 Use of estimates and judgements The preparation of the financial statements in conformity with the FRSs requires management to make judgements, estimates and assumptions that affects the application of accounting policies and the reported amounts of assets, liabilities, income and expenses. Actual results may differ from these estimates. There are no significant assumptions or estimation uncertainties that have a significant risk of resulting in a material adjustment to the financial statements within next financial year. 2.5 Changes in accounting policies On 1 January 2010, the Association adopted the new or amended FRS and Interpretations to FRS that are mandatory for application from that date. The adoption of these new or amended FRS and Interpretations to FRS did not result in substantial changes to the Associations accounting policies and had no material effect to the amounts reported for the current or prior financial years.
73
Significant accounting policies

The accounting policies set out below have been applied consistently to all periods presented in these financial statements. 3.1 Foreign currency transactions Transactions in foreign currencies are translated into Singapore dollars at foreign exchange rates ruling at the dates of the transaction. Monetary assets and liabilities denominated in foreign currencies at the balance sheet date are retranslated into Singapore dollars at foreign exchange rate ruling at that date. Non-monetary assets and liabilities denominated in foreign currencies that are measured at fair value are retranslated to Singapore dollars at the exchange rate at the date on which the fair value is determined. Foreign currency differences arising from retranslation are recognised in income and expenditure. 3.2 Property, plant and equipment Property, plant and equipment are stated at cost less accumulated depreciation and impairment losses. Cost includes expenditure that is directly attributable to the acquisition of the asset. Purchased software that is integral to the functionality of the related equipment is capitalised as part of that equipment. When parts of an item of property, plant and equipment have different useful lives, they are accounted for as separate items (major components) of property, plant and equipment. The cost of replacing part of an item of property, plant and equipment is recognised in the carrying amount of the item if it is probable that the future economic benefits embodied within the part will flow to the Association and its cost can be measured reliably. The costs of the day-to-day servicing of property, plant and equipment are recognised in income and expenditure as incurred. Depreciation is provided on a straight-line basis so as to write off items of property, plant and equipment, over their estimated useful lives as follows: Computer equipment Furniture and fittings Office equipment Office renovation 3 years 5 years 5 years 3 years
Depreciation methods, useful lives and residual values are reviewed, and adjusted as appropriate, at each reporting date.
74
AnnuAl RepoRt 2010
3.3 Financial instruments Non-derivative financial assets The Association initially recognises loans and receivables on the date that they are originated. All other financial assets including investments are recognised initially on the trade date at which the Association becomes a party to the contractual provisions of the instrument. The Association derecognises a financial asset when the contractual rights to the cash flows from the asset expire, or it transfers the rights to receive the contractual cash flows on the financial asset in a transaction in which substantially all the risks and rewards of ownership of the financial asset are transferred. Any interest in transferred financial assets that is created or retained by the Association is recognised as a separate asset or liability. Financial assets and liabilities are offset and the net amount presented in the balance sheet when, and only when, the Association has a legal right to offset the amounts and intends either to settle on a net basis or to realise the asset and settle the liability simultaneously. Loans and receivables are financial assets with fixed or determinable payments that are not quoted in an active market. Such assets are recognised initially at fair value plus any directly attributable transaction costs. Subsequent to initial recognition, loans and receivables are measured at amortised cost using the effective interest method, less any impairment losses. Loans and receivables comprise government subvention, donations, other receivables and cash and cash equivalents. Financial assets - Investments at fair value through income and expenditure Financial assets - investments are classified as at fair value through income and expenditure if they are held for trading or is designated as such upon initial recognition. Financial assets are designated as fair value through income and expenditure if the Association manages such investments and makes purchase and sale decisions based on their fair value. Upon initial recognition, attributable transaction costs are recognised in the income and expenditure as incurred. The Associations investment which are classified as financial assets at fair value through income and expenditure are measured at fair value, and changes therein are recognised in income and expenditure.
75
Non-derivative financial liabilities Financial liabilities are recognised initially on the trade date at which the Association becomes a party to the contractual provisions of the instrument. The Association derecognises a financial liability when its contractual obligations are discharged or cancelled or expire. Financial assets and liabilities are offset and the net amount presented in the balance sheet when, and only when, the Association has a legal right to offset the amounts and intends either to settle on a net basis or to realise the asset and settle the liability simultaneously. The Associations non-derivative financial liabilities comprised trade and other payables. Such financial liabilities are recognised initially at fair value plus any directly attributable transaction costs. Subsequent to initial recognition, these financial liabilities are measured at amortised cost using the effective interest method. 3.4 Impairment Financial assets (including receivables) A financial asset is assessed at each reporting date to determine whether there is any objective evidence that it is impaired. A financial asset is impaired if objective evidence indicates that a loss event has occurred after the initial recognition of the asset, and that the loss event had a negative effect on the estimated future cash flows of that asset that can be estimated reliably. Objective evidence that financial assets are impaired can include default or delinquency by a debtor, restructuring of an amount due to the Association on terms that the Association would not consider otherwise, indications that a debtor will enter bankruptcy. The Association considers evidence of impairment for receivables at both a specific asset and collective level. All individually significant receivables are assessed for specific impairment. All individually significant receivables found not to be specifically impaired are then collectively assessed for any impairment that has been incurred but not yet identified. Receivables that are not individually significant are collectively assessed for impairment by grouping together receivables with similar risk characteristics. In assessing collective impairment, the Association uses historical trends of the probability of default, timing of recoveries and the amount of loss incurred, adjusted for managements judgement as to whether current economic and credit conditions are such that the actual losses are likely to be greater or lesser than suggested by historical trends.
76
AnnuAl RepoRt 2010
An impairment loss in respect of a financial asset measured at amortised cost is calculated as the difference between its carrying amount and the present value of the estimated future cash flows discounted at the assets original effective interest rate. Losses are recognised in income and expenditure and reflected in an allowance account against receivables. Interest on the impaired asset continues to be recognised through the unwinding of the discount. When a subsequent event causes the amount of impairment loss to decrease, the decrease in impairment loss is reversed through income and expenditure. Non-financial assets The carrying amounts of the Associations non-financial assets are reviewed at each reporting date to determine whether there is any indication of impairment. If any such indication exists, then the assets recoverable amount is estimated. The impairment loss is charged to income and expenditure. Impairment losses recognised in prior periods are assessed at each reporting date for any indications that the loss has decreased or no longer exists. An impairment loss is reversed if there has been a change in the estimates used to determine the recoverable amount. An impairment loss is reversed only to the extent that the assets carrying amount does not exceed the carrying amount that would have been determined, net of depreciation or amortisation, if no impairment loss had been recognised. 3.5 Provisions Provisions are recognised if, as a result of past events the Association has a present legal or constructive obligation that can be estimated reliably, and, it is probable that an outflow of economic benefits will be required to settle the obligation. Provisions are determined by discounting the expected future cash flows at a pre-tax rate that reflects current market assessments of the time value of money and the risks specific to the liability. 3.6 Employee benefits Defined contribution plan Obligations for contributions to defined contribution plans are recognised as an expense in income and expenditure as incurred. Short-term accumulating compensated absences Short-term accumulating compensated absences are recognised when employees render services that increase their entitlement to future compensated absences.
77
Short-term benefits Short-term employee benefit obligations are measured on an undiscounted basis and are expensed as the related service is provided. A provision is recognised for the amount expected to be paid under short-term cash bonus or profit-sharing plans if the Association has a present legal or constructive obligation to pay this amount as a result of past service provided by the employee and the obligation can be estimated reliably. 3.7 Income recognition Donations from Central Provident Fund scheme and Singapore Totalisator Board are recognised on accrual basis. All other donations are recognised on a receipt basis. Tuition programme fees income is recognised on the accrual basis. Grants for specific purposes are recognised to the extent the related expenditure has been incurred and the grant is receivable. Government Subvention and grants are recognised on the accrual basis. Government grant Jobs Credit Scheme Cash grants received from the government in relation to the Jobs Credit Scheme are recognised as income upon receipt. 3.8 Resources expended on charitable activities The costs of these activities comprise direct expenditure including, direct staff costs attributable to the activities. In addition, it also includes support costs (costs relating to central functions) and other costs that have been allocated on the basis consistent with the use of the resources. Governance costs Governance costs comprise all costs attributable to the general running of the Association, in providing the governance infrastructure and in ensuring public accountability. 3.9 Finance income and expenses Finance income comprises interest income on funds invested, dividend income, gains on the disposal of investments, net foreign currency gains and changes in the fair value of investments at fair value through income and expenditure. Dividend income from equity investments is recognised when the dividends are received. Interest income is recognised on the accrual basis using the effective interest method. Finance expenses comprise interest expense on borrowings, unwinding of the discount on provisions, net foreign currency losses, changes in the fair value of financial assets at fair value through income and expenditure and impairment losses recognised on financial assets that are recognised in income and expenditure.
78
AnnuAl RepoRt 2010
3.10 Leases When the Association is a lessee of an operating lease Where the Association has the use of assets under operating leases, payments made under the leases are recognised in income and expenditure on the straight-line basis over the term of the lease. Lease incentives received are recognised in the income and expenditure as an integral part of the total operating expenses. 3.11 New standards and interpretations not yet adopted A number of new standards, amendments to standards and interpretations are effective for the annual periods beginning after 1 January 2010, and have not been applied in preparing these financial statements. None of these are expected to have a significant effect on the financial statements of the Association.
Property, plant and equipment

Computer equipment $ Cost At 1 January 2009 Additions Write off At 31 December 2009 Additions At 31 December 2010 Accumulated depreciation At 1 January 2009 Depreciation charge for the year Write off At 31 December 2009 Depreciation charge for the year At 31 December 2010 691,322 199,340 (453,741) 436,921 71,704 508,625 Furniture and fittings $ 577,924 42,328 620,252 44,727 664,979 Office equipment $ 278,562 25,622 304,184 27,217 331,401 Office renovation $ 413,539 160,849 (283,322) 291,066 152,878 443,944 Total $ 1,961,347 428,139 (737,063) 1,652,423 296,526 1,948,949
581,615 74,319 (453,741) 202,193 129,419 331,612
433,073 40,639 473,712 48,563 522,275
253,801 7,703 261,504 12,528 274,032
356,476 54,110 (283,322) 127,264 94,910 222,174
1,624,965 176,771 (737,063) 1,064,673 285,420 1,350,093
Carrying amount At 1 January 2009 At 31 December 2009 At 31 December 2010
109,707 234,728 177,013
144,851 146,540 142,704
24,761 42,680 57,369
57,063 163,802 221,770
336,382 587,750 598,856
Notes to the Financial Statements Notes to the financial statements 79
Deposits, prepayments and other receivables

2010 $ Deposits GST Offset Package grant receivable from Ministry of Community Development, Youth and Sports (MCYS) Other receivables Loans and receivables Prepayments 130,216 162,000 494,431 786,647 39,510 826,157 2009 $ 123,091 184,500 512,360 819,951 24,294 844,245
Financial assets Investments

2010 $ Held for trading: - Equity securities - Debt securities - Commodities/Precious Metals Trust Funds - REITS/Real Estate Funds - Absolute return funds - Private equity funds -Cash at bank investment account held with fund manager/custodian 7,426,600 7,842,961 1,905,323 3,914,940 475,063 988,355 22,553,242 2,377,442 24,930,684 2009 $ 7,244,771 4,642,630 1,571,762 963,814 1,653,179 845,285 16,921,441 3,653,608 20,575,049
At the balance sheet date, the Association had commitments contracted for amounting to S$1,153,967 (2009: S$1,876,933) in relation to its investments.
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AnnuAl RepoRt 2010
Cash and cash equivalents

note Cash in hand and at bank Fixed deposits Cash at bank investment account Cash and cash equivalents for cash flow statement 6 2010 $ 1,797,999 3,427,409 5,225,408 2,377,442 7,602,850 2009 $ 3,880,538 1,935,800 5,816,338 3,653,608 9,469,946
Endowment fund
Endowment funds are represented by the following assets: 2010 $ General Endowment Fund - Investments - Cash at bank investment account Vijay and Amar Trust Fund - Investments - Fixed deposits - Cash at bank - Cash at bank investment account Padma and Hari Harilela Scholarship Fund - Investments - Fixed deposits - Cash at bank investment account 17,397,245 2,181,630 2009 $ 16,921,441 1,155,627
873,425 100,038 34,797 33,171
521,492 84,988 372,581
260,893 9,909 20,891,108
253,258 19,309,387
The general endowment fund is a form of restricted fund, held in Associations trust where the capital is required to be invested, or retained for approved purposes.
81
From time to time the Association will transfer the income of the general endowment fund to the accumulated fund for the Associations general activities. Transfers in and out of the fund are subject to the approval of the trustees. The Vijay and Amar Trust Fund was set up to provide assistance and support to children from disadvantaged and dysfunctional families. The Padma and Hari Harilela Scholarship Fund was set up to provide scholarships for needy students
Accumulated fund
The accumulated fund is represented by the following assets and liabilities: note 2010 $ 598,856 1,700,000 593,993 1,025,000 826,157 3,290,388 117,486 1,763,202 (871,907) (4,478,348) 3,093,600 7,658,427 2009 $ 587,750 1,700,000 544,184 500,000 844,245 557,731 1,654,100 3,795,550 (962,511) (1,919,196) 7,301,853
Property, plant and equipment Government subvention receivable Donations receivable Central Provident Fund Board scheme Donation receivable Singapore Totalisator Board Deposits, prepayments and other receivables Fixed deposits Cash at bank investment account Cash at bank and in hand Accrued operating expenses Unutilised specific grants Investments
11
The accumulated fund is the Associations general operating fund and can be used for any of the Associations activities.
82
AnnuAl RepoRt 2010
10 Sinking fund
The sinking fund is represented by the following assets: 2010 $ Fixed deposits Cash at bank investment account Investments 36,983 35,246 928,079 1,000,308 2009 $ 603,319 471,300 1,074,619
The sinking fund is designated to fund the upkeep and maintenance of the premises. There was a drawdown of $138,371 (2009: $195,690) from the sinking fund during the financial year mainly to defray the costs of the renovation and other works undertaken.
11 Unutilised specific grants / donations

These comprise specific grants/donations for: 2010 $ (i) Tamil Language Learning and Promotion Committee (TLLPC) (ii) School Pocket Money Fund (SPMF) (iii) Project Give Donations (iv) Single Parent Programme/sponsorship (v) Singapore Indian Education Trust (SIET) (vi) Project Spark (vii) Youth Development Programmes 389,645 1,143,151 825,946 84,883 34,723 2,000,000 4,478,348 2009 $ 430,689 41,319 787,100 593,924 66,164 1,919,196
(i)
Tamil Language Learning and Promotion Committee (TLLPC) Tamil Language Learning and Promotion Committee (TLLPC) is a committee set up by the Ministry of Education (MOE) to promote the learning and use of the Tamil language. The Association provides support to TLLPC in the administration of the TLLPC grant. Grants and donations are the main sources of income with MOE providing a matching grant for funds raised by the TLLPC.
83
(ii) School Pocket Money Fund (SPMF) The Association receives yearly grant from the National Council of Social Service (NCSS) pertaining to SPMF. All bursary payments made under this service will be paid out from SPMF based on criteria set out by NCSS. (iii) Project Give donations Project Give is a community fund raising campaign to raise money for the bursaries for students from needy families. It typically runs through the various festivities such as Hari Raya Puasa, Deepavali and Christmas. Funds are raised via direct cheque donations, donation boxes placed with partner retailers, on-line, at the booth during Deepavali Fair at Campbell Lane and through tele-poll in conjunction with the Live Project Give Charity Show on Vasantham. (iv) Single Parent programme/sponsorship Single Parent programme provides holistic assistance to the parent and the children. Children of single parent would receive assistance from all SINDAs programmes including tuition, NEU PC, enrichment while parents receive assistance on skills upgrading, financial planning and family support to help build their self esteem and become self sufficient. Sponsorships were received for specific programmes like Financial Assistance, Bursary, Educational programmes. (v) Singapore Indian Education Trust (SIET) Singapore Indian Education Trust (SIET) is a registered charity offering solutions to the needs and challenges impacting the educational performance of the Indian Community. SINDAs programmes are designed to focus mainly on the education of students from pre-primary to secondary while SIET focus is on tertiary level education. Both the organisations recognise the immense opportunity to leverage on the synergy between the two organisations. The collaborative arrangement has been set to manage SIET donations and its disbursements to students who qualify for financial assistance for their course of study at the tertiary institution and other schemes administered by SIET. (vi) Project Spark Project Spark (Successful Parents and Resilient kids) is a collaborative effort between Temasek Cares (a charity arm of Temasek Holdings), Yayasan Mendaki, Chinese Development Assistance Council, SINDA and Eurasian Association. It aims to provide a more holistic and integrated intervention progamme to help single parents rebuild their lives and overcome their disadvantage. Funding support of $600,000 over a period of two years will address the provision of an assistance package consisting of employment assistance programmes and a starter kit.
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AnnuAl RepoRt 2010
(vii) Youth Development Programmes Youth Development Programmes are specific programmes under the funding support of $2,000,000 from Kewalram Group of Companies which focuses mainly on the following 3 key programmes: Project Victory/Senior Victory; a school based motivational programme that aims to bring out leadership qualities and encourage the practice of positive life skills through structured activities and trained facilitators. Youth Empowerment Programme; a one-to-one mentorship programme to engage at-risk youth and who have low self-esteem or other behavioural problems. Mentorship programme for Institute of Technical Education (ITE) students; a programme to engage students of ITE through interest-based mentoring. The funding will be channelled towards the content development, programme evaluation tools, motivational camps and workshops for the above mentioned programmes. The balances shown above represents grants/donations that were unutilised as at the end of the financial year.
12 Government subvention receivable

This represents the annual dollar for dollar matching grant receivable, subject to a maximum of $1,700,000 (2009: $1,700,000), from the Ministry of Community Development, Youth and Sports.
13 Resources expended on charitable activities and governance costs

note (i) Charitable activities Education programmes Tuition programmes: - STEP programme - Project Teach Other education programmes: - Enrichment Programmes - Bursary/Scholarships - Education staff costs - Support costs 2010 $ 2009 $
2,416,904 937,162 311,892 729,554 1,112,400 1,141,260 6,649,172
2,315,489 908,241 286,671 588,240 857,289 1,230,188 6,186,118
14
85
Family and Youth Development/Volunteer Relations - Casework and Counselling - Career Development and Resource Centre - Single Parents Programme - Children and Youth programmes - Family and Youth services staff costs - Volunteer Programmes - Volunteer Relations staff costs - Support costs Corporate Communications & Community Engagement (CCCE) - Corporate Communications - Community Engagement - CCCE Staff costs - Support costs (ii) Administrative and Governance costs - Temporary Occupation Licence (TOL) Fee* - Support costs
14
261,350 34,514 75,192 267,301 1,295,640 151,503 297,946 817,696 3,201,142 576,491 134,129 625,135 342,837 1,678,592 431,270 678,046 1,109,316
278,560 57,640 44,559 263,027 913,680 118,230 203,366 451,985 2,331,047 720,461 215,651 568,453 446,473 1,951,038 368,880 334,413 703,293
14
14
* The Association occupies government land at 1, Beatty Road, Singapore 209943 and pays a monthly Temporary Occupation Licence (TOL) fee. The Grant from the Ministry of Community Development, Youth and Sports (MCYS) of $431,270 (2009: $368,880) is for the full reimbursement of the TOL fee paid by the Association. The resources expended have been summarised as follows: ---------------------- 2010 ------------------- Direct costs Support costs Total (note 14) $ $ $ 5,507,912 1,141,260 6,649,172 2,383,446 1,335,755 431,270 817,696 342,837 678,046 3,201,142 1,678,592 1,109,316 ----------------------- 2009 --------------------- Direct costs Support costs Total (note 14) $ $ $ 4,955,930 1,230,188 6,186,118 1,879,062 1,504,565 368,880 451,985 446,473 334,413 2,331,047 1,951,038 703,293
Programmes Education Family and Youth Development/ Volunteer Relations Corporate Communications & Community Engagement Administrative and Governance Costs
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AnnuAl RepoRt 2010
14 Support costs
Education Family and Youth Corporate Development/ Communications Volunteer Community Relations Engagement $ $ 468,300 200,700 Administrative & Governance Costs $ 334,500 Basis of allocation
Staff costs Maintenance and administrative expenses
$ 669,001
Usage in terms of time spent Floor area in terms of floor area occupied and usage Usage in terms of assets acquired
361,079
268,084
107,289
277,364
Depreciation expenses Total for 2010 Total for 2009
111,180 1,141,260 1,230,188
81,312 817,696 451,985
34,848 342,837 446,473
58,080 678,046 334,413
15 Total resources expended

Total expenditure includes the following: 2010 $ 5,003,622 524,895 285,420 2009 $ 3,807,659 402,530 176,771
Staff costs Central Provident Fund contributions (included in staff costs) Depreciation
87
16 Taxation
The Association is an approved charity organisation under the Charities Act, Chapter 37 and an Institution of Public Character under the Income Tax Act, Chapter 134. No provision for tax has been made in the financial statements as the Association is exempt from income tax.
17 Key management personnel

2010 $ Remuneration paid/payable to key management personnel - Short-term employment benefits 705,439 2009 $ 518,473
The key management personnel remuneration comprise remuneration paid to the top four (2009: four) key executives including Chief Executive Officer (CEO). The Trustees and Executive Committee members do not receive any remuneration. In previous year, the CEO was seconded from the MOE to the Association till 14 December 2009. The Association reimbursed the MOE for services rendered by the CEO to the Association.
18 Financial risk management

Overview The Executive Committee has an overall responsibility for the establishment and oversight of the Associations risk management framework. The Associations activities expose it to a variety of financial risks: credit risk, liquidity risk and market risk (including currency risk, interest rate risk and price risk). The Association has policies and processes for measuring and managing these risks. The Executive Committee reviews and approves the policies for managing each of these risks. This note presents information about the Associations exposure to each of the above financial risks. Further quantitative disclosures are included throughout these financial statements. There were no significant changes to the Associations financial risks during the year.
88
AnnuAl RepoRt 2010
Credit risk Credit risk is the risk of financial loss to the Association if the counterparty to a financial instrument fails to meet its contractual obligations, and arises principally from the Associations receivables from various sources and investments. The Associations exposure to credit risk in receivables arises principally from receivables, investments and cash and cash equivalents. The maximum exposure to credit risk is represented by the carrying amount of each financial asset in the balance sheet. The Association establishes an allowance for impairment that represents its estimate of incurred losses, only when required. The main components of this allowance are a specific loss component that relates specifically to individually significant exposures. Receivables The Associations exposure to the credit risk is low as most of its receivables are from government agencies. Approximately 78% (2009: 77%) of the Associations receivables are due from 3 counterparties (2009: 3 counterparties). At the balance sheet date, all receivables of the Association are not past due. There is no allowance for receivables required as at 31 December 2010 (2009: Nil). Investments/Cash and cash equivalents The Association strives to invest a portion of its funds in bonds of good credit quality, whenever possible. For investment operations, the Investment Committee adopts very stringent quantitative and qualitative criteria, including financial statement analysis, type of securities, credit ratings and quality of management in selecting issuers of financial instruments that the Association invests in. Investments in debt securities are assessed using stringent investment criterion and this includes, but is not limited to, a thorough analysis of each debt securitys terms and conditions, the availability and quality of the guarantor, as well as financial strength of the issuer. The Associations cash and cash equivalents are placed with banks and financial institutions which are regulated and rated A and above on Standard & Poors financial strength ratings. The Associations debt securities consist of debt securities rated B and above on Standard & Poors financial strength ratings or debt securities of Singapore government related entities. There is no significant concentration of credit risk in relation to these investments. The Associations cash and cash equivalents are placed with three (2009: two) financial institutions.
89
Liquidity risk Liquidity risk is the risk that the Association will not be able to meet its financial obligations as they fall due. The Associations approach to managing liquidity is to ensure, as far as possible, that it will always have sufficient liquidity to meet its liabilities when due, under both normal and stressed conditions. Typically, the Association ensures that it has sufficient cash on demand to meet expected operational demands excluding the potential impact of extreme circumstances that cannot reasonably be predicted. Based on the contractual maturities, the Associations financial liabilities mature within one year from the balance sheet date, and the fair values approximate their carrying amounts. Market risk Market risk is the risk that changes in market prices, such as foreign exchange rates, interest rates and equity prices will affect the Associations income or the value of its financial instruments. The objective of market risk management is to manage and control market risk exposures within acceptable parameters, while optimising the return on risk. Market risk is managed by the Investment Committee by closely monitoring the market data and by setting up detailed investment policies. Currency risk Currency risk is the risk that the fair value of future cash flows of a financial instrument will fluctuate because of changes in foreign exchange rates. By virtue of its investment activity to optimise return, the Association is exposed to the effects of foreign currency exchange rate fluctuations, principally in currencies such as United States Dollar. The Association does not use derivative financial instruments to hedge its foreign currency risks. The Associations foreign currency exposures are as follows: 2010 $ 12,117,537 1,350,448 1,016,196 2,159,154 2009 $ 12,434,360 1,280,034 885,613 2,187,127
US Dollar Euro Hong Kong Dollar Other currencies
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AnnuAl RepoRt 2010
Sensitivity analysis A 10% strengthening of the Singapore dollar against the following currencies at the reporting date would (decrease) or increase the surplus of income over expenditure by the amounts shown below. This analysis assumes that all other variables, in particular interest rates, remain constant. Surplus of income over expenditure $ 31 December 2010 US Dollar (1,211,753) Euro (135,045) Hong Kong Dollar (101,620) 31 December 2009 US Dollar Euro Hong Kong Dollar
(1,243,436) (128,003) (88,561)
A 10% weakening of the Singapore dollar against those currencies at 31 December would have had the equal but opposite effect on the above currencies to the amount shown above, on the basis that all other variables remain constant. Interest rate risk The Associations exposure to market risk for changes in interest rates relates to the interest-bearing cash and cash equivalents and debt securities. At the balance sheet date, the interest rate profile of the interest-bearing financial instruments was: 2010 $ Fixed rate instruments Fixed deposits with banks Debt securities 3,427,409 3,958,892 7,386,301 2009 $ 1,935,800 142,480 2,078,280
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Sensitivity analysis At the balance sheet date, management assessed that an increase/(decrease) of 25 basis points in the interest rates would have no significant impact to the results of the Association. Price risk Price risk is the risk that the fair value or future cash flows of a financial instrument will fluctuate because of changes in market prices (other than those arising from interest rate risk or currency risk), whether those changes are caused by factors specific to the individual financial instrument or its issuer, or factors affecting all similar financial instruments traded in the market. Sensitivity analysis The Associations investments are designated as held for trading investments. A 10% increase or decrease in the underlying market prices at the reporting date, with all variables held constant would increase or decrease income by $2,255,324 (2009: $1,692,144). Capital/Funds Management The Association is a society with no share capital. The Association builds up its Capital/Funds from donations received and also through prudent management of its financial resources. The capital of the Association includes reserve funds in its Accumulated Fund, Sinking Fund, General Endowment Fund and other funds. The Associations Funds are closely monitored to ensure that there are sufficient funds to support its programme and activities. The Association is not subject to externally imposed Capital/Funds requirements.
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AnnuAl RepoRt 2010
Fair values Estimation of fair values Investments The fair value of investments in trading securities is determined by reference to their quoted bid prices at the reporting date. The fair value of investments that are not traded in an active market are determined by reference to their dealer quotes/net asset valuation report/fair value provided by the fund manager at the reporting date. Other financial assets and liabilities The carrying amounts of other financial assets and liabilities with a maturity of less than one year (including trade and other receivables, grant and donations receivables, cash and cash equivalents, trade payables, other payables and accrued expenses) are assumed to approximate their fair values because of the short period to maturity. Fair value hierarchy The table below analyses financial instruments carried at fair value, by valuation method. The different levels have been defined as follows: Level 1: quoted prices (unadjusted) in active markets for identical assets or liabilities Level 2: inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly (i.e., as prices) or indirectly (i.e., derived from prices) Level 3: inputs for the asset or liability that are not based on observable market data (unobservable inputs).
level 1 $ 31 December 2010 Financial assets designated at fair value through profit or loss 31 December 2009 Financial assets designated at fair value through profit or loss
level 2 $
level 3 $
total $
14,486,030
8,067,212
22,553,242
14,136,640
2,784,801
16,921,441
Singapore Indian Development Association No. 1 Beatty Road, Singapore 209943 Tel: 1800 295 4554 Fax: 6392 4300 www.sinda.org.sg

Annual Report - 2010

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Annual Report - 2010

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Working Together

SINDA Annual Report 2010

Coming together is a beginning. Keeping together is progress. Working together is success.

To build a strong and vibrant Singaporean Indian community together.

STRENGTHENING PARTNERSHIPS, COMMUNITY ENGAGEMENT AND OUTREACH

ANNUAL REPORT 2010

MAXIMISING EDUCATIONAL OPPORTUNITIES FOR ALL PRESIDENTS MESSAGE 03

ANNUAL REPORT 2010

Ms Indranee Rajah President, SINDA

MAXIMISING EDUCATIONAL OPPORTUNITIES FOR ALL

Chief Executive officer Mr T Raja Segar

ADVISoRS Dr Vivian balakrishnan Mr S Iswaran Mr Hri kumar Nair

AuDIToRS kPMG LLP

ANNUAL REPORT 2010

MAXIMISING EDUCATIONAL OPPORTUNITIES FOR ALL 2010 AT A GLANCE 07

ANNUAL REPORT 2010

2010 AT A GLANCE 09 MAXIMISING EDUCATIONAL OPPORTUNITIES FOR ALL

ANNUAL REPORT 2010

2010 AT A GLANCE 11 MAXIMISING EDUCATIONAL OPPORTUNITIES FOR ALL

MAxIMISING EDuCATIoNAL oPPoRTuNITIES FoR ALL

SINDA annual report 2009

ANNUAL REPORT 2010

Improving Academic Performance

Maximising Educational Opportunities For All

HOUSEHOLD INCOME STEP Students

$1,000 and below $1,001 - $1,500 $1,501 - $2,000

$2,001 - $2,500 $2,501 and above

MAXIMISING EDUCATIONAL OPPORTUNITIES FOR ALL

BEFORE jOINING STEP

AFTER jOINING STEP

hOUSEhOLD INCOME Project Teach students

247 22.8% 147 13.5% 222 20.5% Number of households

$1,000 and below $1,001 - $1,500 $1,501 - $2,000

$2,001 - $2,500 $2,501 and above

SINDA CEO with Project Teach students

Minister Tharman at a STEP Centre

ANNUAL REPORT 2010

MAXIMISING EDUCATIONAL OPPORTUNITIES FOR ALL

mr Sat pal Khattar at the Eagles Eye programme

ANNUAL REPORT 2010

MAXIMISING EDUCATIONAL OPPORTUNITIES FOR ALL

project teach students participating during a lesson

SINDA Excellence Awards 2010

NuRTuRING MoRE ENLIGHTENED FAMILIES

ANNUAL REPORT 2010

Helping Families Achieve Personal and Financial well-being

Nurturing More Enlightened Families

73 17.18% 306 72.0%

NO. OF CASES 310 34 23 17 9 8 6 5 2 1 10 425

EDUCATION LEVEL No formal education Primary Secondary Post-Secondary University Total

NO. OF CASES 14 131 232 38 10 425

% 3.29 30.82 54.60 8.94 2.35 100

$1,000 and below $1,001 - $1,500 $1,501 - $2,000

$2,001 - $2,500 $2,501 and above

NURTURING MORE ENLIGHTENED FAMILIES

HOUSEHOLD INCOME SPMF Recipients

303 34% Number of Households

HOUSEHOLD INCOME SINDA bursary Recipients

118 18.6% 283 44.7%

196 31% Number of Households

$1,000 and below $1,001 - $1,500 $1,501 - $2,000

$2,001 - $2,500 $2,501 and above

ANNUAL REPORT 2010