Finance Score: -4

Governance Score: 9

Support Score: 3

Spending falling: -1
Volatile income: -3
No PartB

Good trustee age range: +3
Dynamic board: +3
Gender balanced board: +3

Grant maker support: +3

Overall GiG Score: 8

JUST FINANCE FOUNDATION

The vision of Just Finance Foundation is a fair financial system serving the community. We aim to increase the supply of affordable finance, build financial capability & access to fair financial services, equip future generations to manage their money and develop fair financial systems in local communities through our work in Liverpool, London, the North East, the Black Country and across England.

Analysis by Giving is Great

Positives:

There have been no material income shortfalls in recent years
A significant proportion of recent income was derived from major grant makers including the Government
The Board appears to be well diversified in terms of age and gender and dynamic in terms of composition

Financial issues to consider:

A PartB annual return has not been required and so detailed financial information is not available from the online data
Spending has fallen significantly over the last 5 years relative to the previous period
Income has been volatile recently

Established: 7 years

www.justfinancefoundation.org.uk

enquiries@JFF.org.uk

0203 752 5656

Charity Commission for England and Wales

Tweets

Financial Data ?

Income & Spending ?

Sources of Income ?

Y/E	Income £k	Spending £k	Surplus/ Deficit	Fundraising Cost £k	Total Funds £k	Unrestricted Funds £k	Mths Rsrvs	Staff	Volun- teers
31/12/22	£347	£259	£89	n/a	n/a	n/a	n/a	n/a	0
31/12/21	£180	£239	£-60	n/a	n/a	n/a	n/a	n/a	0
31/12/20	£351	£309	£42	n/a	n/a	n/a	n/a	n/a	0
31/12/19	£277	£293	£-16	n/a	n/a	n/a	n/a	n/a	6
31/12/18	£638	£685	£-47	£0	£146	£6	0.1	3	3
31/12/17	£891	£698	£193	£0	£193	£27	0.5	2	0

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Highest pay bracket: less than £60,000

Listed activities

Economic/Community Development/Employment
Education/Training
The Prevention Or Relief Of Poverty

How it operates

Provides advocacy/advice/information
Provides services
Sponsors or undertakes research

Where it operates

Throughout England And Wales,

Who it helps

Children/Young People
The General Public/Mankind

Who's supporting them? ?

Donations from Grant Makers ?

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

Specific Donations

Amount	When Months	To be used for
National Lottery Community Fund - Covid Recovery Cash Course
£9,900	13/10/2020 6	The funding will provide extra resource to run a number of free workshops on financial support during Covid-19 for those experiencing financial strain and pressures. This aims to reduce financial ....more The funding will provide extra resource to run a number of free workshops on financial support during Covid-19 for those experiencing financial strain and pressures. This aims to reduce financial stress and improve mental wellbeing during the current COVID-19 pandemic.
The Fore - RAFT COVID-19 response grant to Just Finance Foundation
£5,000	22/06/2020 36	Grant from The Fore's RAFT Immediate Response Fund to Just Finance Foundation, as part of The Fore's COVID-19 Response programme.
Nesta - AC00744
£20,000	15/03/2018 7	Inclusive Economy Partnership 2.0 programme grant to Just Finance Foundation Grant Ref AC00744

Data sourced from Donors via 360 Giving

How is it governed?

Trustees (7)

Current Trustees appointed

Gender Split

Age Range of Trustees: 47-75

ALISON ESTHER GRIEVE Appointed: 2019, Occupation: Retired, Other trusteeships: CHURCH URBAN FUND, ALL NATIONS CHRISTIAN COLLEGE LIMITED, REDCLIFFE COLLEGE, ALL SOULS SERVE THE CITY CIO,

CHRISTOPHER CUMMINGS (Chair) Appointed: 2022, Occupation: Ceo

CHRISTOPHER FREDERICK HILL Appointed: 2023, Occupation: Strategic Advisor

DR PAUL ANTHONY JONES Appointed: 2017, Occupation: Reader In The Social Economy

RACHEL LOUISA ELWELL Appointed: 2023, Occupation: Chief Executive Officer, Other trusteeship: OPERA NORTH LIMITED,

SHEILA ANNE NICOLL Appointed: 2017, Occupation: Head Of Public Policy, Other trusteeship: ST PAUL'S CATHEDRAL,

VEN CATHERINE PICKFORD Appointed: 2020, Occupation: Archdeacon

Legal constitution

Charitable company registered in England & Wales on 15/03/2017, number: 1172050
Registered at Companies House on 27/05/2016, number: 10204667

Gift Aid

NOT registered with HMRC for Gift Aid

Policies in force

Complaints handling
Conflicting interests
Paying staff
Risk management
Safeguarding vulnerable beneficiaries
Volunteer management

Filing Record

6 returns made; all on time

Main office

The Foundry
17 Oval Way
LONDON
SE11 5RR

Objectives

1) THE PREVENTION AND RELIEF OF POVERTY AND FINANCIAL HARDSHIP BY, BUT NOT LIMITED TO:A) PROVIDING SERVICES, ADVICE AND EDUCATION IN RELATION TO, BUT NOT LIMITED TO, MONEY MANAGEMENT AND BUDGETING ADVICE; ANDB) PROVIDING GRANTS, ITEMS, SUPPORT AND SERVICES TO CHARITIES OR OTHER ORGANISATIONS WORKING IN THE COMMUNITY TO PREVENT OR RELIEVE POVERTY AND FINANCIAL HARDSHIP; AND2) THE ADVANCEMENT OF EDUCATION IN COMMERCIAL AND FINANCIAL EDUCATION IF AND IN SO FAR AS SUCH PURPOSE SHALL BE CHARITABLE.

Data Sources