Finance Score: 0

Governance Score: -1

Support Score: 6

Strong growth: +2
Deficit latest year: -2
No PartB

Only 4 Trustees: -1

Overall weighted support: +6

Overall GiG Score: 5

TENBURY NILS SCHEME

The Tenbury NILS (No Interest Loan Scheme) is a project which seeks to assist the most disadvantaged and vulnerable people living in our community. It offers interest free loans to people who would otherwise not be able to access commercial credit, for reasons of unemployment, benefit recipients or people who are in receipt of a low income.

Analysis by Giving is Great

Positives:

There has been strong growth in spending over the last 5 years
A significant proportion of recent income was derived from major grant makers including the Government

Regulatory & Governance issues to consider:

Why are there only 4 trustees?
Over half the Board have joined recently

Financial issues to consider:

Income was significantly lower than spending in the latest year
A PartB annual return has not been required and so detailed financial information is not available from the online data

Financial Data ?

Income & Spending ?

Sources of Income ?

Y/E		Income £k	Spending £k	Surplus/ Deficit £k	Fundraising Cost £k	Total Funds £k	Unrestricted Funds £k	Mths Rsrvs	Staff	Volun- teers
31/03/23	*	£126	£185	£-60	n/a	n/a	n/a	n/a	n/a	n/a
31/03/22		£292	£85	£207	n/a	n/a	n/a	n/a	n/a	n/a
31/03/21		£113	£83	£30	n/a	n/a	n/a	n/a	n/a	n/a
31/03/20		£23	£25	£-1	n/a	n/a	n/a	n/a	n/a	n/a
31/03/19		£26	£28	£-2	n/a	n/a	n/a	n/a	n/a	n/a
31/03/18		£12	£16	£-4	n/a	n/a	n/a	n/a	n/a	n/a
31/03/17		£29	£19	£10	n/a	n/a	n/a	n/a	n/a	n/a
31/03/16		£23	£20	£4	n/a	n/a	n/a	n/a	n/a	n/a
31/03/15		£23	£18	£5	n/a	n/a	n/a	n/a	n/a	n/a
31/03/14		£12	£8	£4	n/a	n/a	n/a	n/a	n/a	n/a

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Download accounts

Highest pay bracket: less than £60,000

Established: 12 years

www.nils.org.uk

enquiries@nils.org.uk

07949 443641

Charity Commission for England and Wales

Listed activities

Education/Training
General Charitable Purposes
Other Charitable Purposes
The Prevention Or Relief Of Poverty

GiG Classification

Philanthropic intermediaries and volunteering

How it operates

Makes grants to individuals
Other charitable activities
Provides other finance

Where it operates

Herefordshire, Shropshire, Worcestershire,

Who it helps

Children/Young People
Elderly/Old People
Other Defined Groups
People With Disabilities

Who supports them? ?

Donations from Grant Makers ?

We have details on the following donations. Multi-year donations are allocated to the years for which they are earmarked.

Major supporters in last 5 years

Smallwood Trust	£42,500
National Lottery Community Fund	£10,000
DCMS	£10,000
Herefordshire Community Foundation	£5,000

Specific Donations

Amount	When Months	To be used for
Smallwood Trust - Funding used to support organisational needs to strengthen role as distributor of grants to individuals
£27,000	11/04/2023 33	This initiative seeks to shift grant making power directly to local women’s organisations and services. Smallwood provides a block grant of £90,000, a percentage of which the organisation uses to run the programme (shown here), and the remainder ....more This initiative seeks to shift grant making power directly to local women’s organisations and services. Smallwood provides a block grant of £90,000, a percentage of which the organisation uses to run the programme (shown here), and the remainder is awarded as hardship grants to individual women 18+, who are further supported by the organisation's specialist services. Percentages are agreed with Smallwood in advance.
Smallwood Trust - Funding used to support organisational needs to strengthen role as distributor of grants to individuals
£7,000	16/12/2022 12	A one-off payment (Uplift Grant) to support organisation's operations and overheads during the cost-of-living crisis
Smallwood Trust - Funding for distribution as grants to individuals
£8,500	16/12/2021	This initiative seeks to shift grant making power directly to local women’s organisations and services. Smallwood provides a block grant and organisations then award hardship grants to individual women 18+ integrated with their specialist support ....more This initiative seeks to shift grant making power directly to local women’s organisations and services. Smallwood provides a block grant and organisations then award hardship grants to individual women 18+ integrated with their specialist support services.
National Lottery Community Fund - Outreach Community Network
£10,000	18/06/2021	The funding will be used by the group to continue its community outreach network where it will coordinate community responses sourcing and supplying essential items researching resources available and providing advocacy for vulnerable people in the ....more The funding will be used by the group to continue its community outreach network where it will coordinate community responses sourcing and supplying essential items researching resources available and providing advocacy for vulnerable people in the community.
DCMS - Coronavirus Community Support Fund
£10,000	25/06/2020	"The fund aims to:1) To reduce closures of essential charities that provide essential services to vulnerable groups during the COVID-19 crisis by ensuring they have the financial resources to operate, thereby reducing the burden on public ....more "The fund aims to:1) To reduce closures of essential charities that provide essential services to vulnerable groups during the COVID-19 crisis by ensuring they have the financial resources to operate, thereby reducing the burden on public services.2) To ensure essential services are provided to vulnerable people, both in the short and long term through increased community support through the work of charitable organisations."
Herefordshire Community Foundation - Grant to Tenbury NILS Scheme - Applying for Leominster NILS
£5,000	29/04/2020	funds to combat hardship caused by pandemic

Data sourced from Donors via 360 Giving

How is it governed?

Trustees (4)

Current Trustees appointed

Gender Split

DAVID STEVENS (Chair) Appointed: 2022

GARY TIMLIN Appointed: 2024

REV MARK JOHN INGLIS Appointed: 2021

SUSAN HARRISON-STONE Appointed: 2022

Legal constitution

Charity registered in England & Wales on 01/03/2013, number: 1151036

Gift Aid

Registered with HMRC for Gift Aid

Policies in force

Bullying and harassment policy and procedures
Complaints handling
Complaints policy and procedures
Conflicting interests
Financial reserves policy and procedures
Internal charity financial controls policy and procedures
Paying staff
Safeguarding policy and procedures
Serious incident reporting policy and procedures
Trustee conflicts of interest policy and procedures

Filing Record

10 returns made; AR23: 57 days late,

Main office

C/o DHJH Tenbury Wells Llp
81 Teme Street
TENBURY WELLS
Worcestershire
WR15 8AE

Objectives

TO PROVIDE NO INTEREST LOANS AND GRANTS TO PEOPLE LIVING IN THE TOWN OF TENBURY WELLS AND IN THE SURROUNDING AREA WHO ARE ASSESSED IN ACCORDANCE WITH CRITERIA SET BY THE TRUSTEES TO BE IN ACUTE FINANCIAL NEED.

Data Sources

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