Friends of Nablus and Surrounding Areas

Supporting Palestinian development in and around Nablus

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Elder of Yanoun village watering a new olive tree (Elder watching)


These are the Annual Accounts and Annual Report for the FONSA financial year 1st April 2017—31st March 2018. These figures have been reported to our official regulator, OSCR (Office of the Scottish Charity Regulator).

Friends of Nablus and Surrounding Areas (known as FONSA) is a registered Scottish charity No. SC038502.

FONSA Trustees Annual Accounts 2017-18

Objectives and activities

Charitable purposes Relief of Poverty
Advancement of Education
Advancement of Citizenship
Summary of the main activities in relation to these objects We have continued our work on core projects including support for students, nursing education in Nablus and small projects in villages.

Achievements and performance

Summary of the main achievements of the charity during the financial period As mentioned last year, some of our donors ended their relationship with villages near Nablus and no longer raised money for FONSA. We have successfully found other sources of income but continue to review and revise our fundraising efforts.

We have been able to maintain our projects and our support for students at university in Nablus.

Financial review

Brief statement on the charity's policy on reserves We do not keep reserves but we maintain sufficient funds to meet longer-term projects and seek to fund students until the end of their course (subject to satisfactory performance and continuing need).
Details of any deficit There was a small deficit this year as we pay for long-term commitments and reduce our accumulated funds.
Donated facilities and services (if any) Our fundraisers have generously covered all their costs and therefore FONSA has received 100% of the donations made in support of their efforts.
The trustees have not received any remuneration or expenses for their contributions to FONSA.
Our Independent Examiner also donated his time without payment.

Financial Statement

Receipts and Payments

Receipts 2017-18 2016-17
Donations £4,544 £5,074
Legacies £0 £0
Grants £0 £0
Receipts from fundraising activities £0 £0
Gross trading receipts £0 £0
Investments £0 £0
Rent £0 £0
Other charitable activities £0 £0
Sale of assets or investments £0 £0
  Total receipts £4,544 £5,074
Payments 2017-18 2016-17
Expenses for fundraising activities £0 £0
Gross trading payments £0 £0
Investment management costs £0 £0
Payments relating directly to charitable activities £0 £0
Grants and donations £5,522 £4,185
Governance costs:
Audit / independent examination -
Preparation of annual accounts
Legal costs £0 £0
Other £0 £0
Purchase of assets or investments £0 £0
  Total payments £5,522 £4,185

Statement of Balances

Cash funds 2017-18 2016-17
Cash and bank balances at start of year £11,817 £10,929
Surplus/(deficit) shown on receipts and payments account (£978) £889
Reconciliations £0 £0
  Cash balances £10,839 £11,818
Investments £0 £0
Other Assets £0 £0
Liabilities & Contingent Liabilities £0 £0

Independent Examiner

As required by OSCR, a more detailed version of these accounts and relevant bank statements were submitted to our Independent Examiner. He reviewed them and reported that he was satisfied.

The Annual Report, including the report from the Independent Examiner, was duly sent to OSCR as required by law. Our Independent Examiner works in financial management (and was recommended to FONSA by our previous Independent Examiner). Although he is known to some of the trustees, he plays no other role in FONSA and is not related to any of them.


FONSA is a small charitable trust formed to strengthen bonds between people supportive of Palestian human rights and the people of Nablus and its surrounding areas. It is based on friendship. It offers support in these times of need. A founding principle is to work with Palestinians to deliver projects which they have identified and support.

There are more details of our objectives and projects on these web pages.

FONSA was established to strengthen links with the people of Nablus and its surrounding areas. It operates under a Trust Deed signed in 2007.

Trustees of FONSA

Nehad Khanfar Chair
Jean Fitzpatrick Secretary
Joanna Grabiec-Khanfar Treasurer (until 2nd Dec 2018)
David Collison Treasurer (from 2nd Dec 2018)
Mike Whitehead Trustee
Mary McGregor Trustee

New Trustees are appointed by the duly appointed existing trustees up to a maximum of five.

FONSA - Principal Address

The registered address of FONSA is:

9 Broad Street

Please make a donation to FONSA

Make a donation using Virgin Money Giving

We welcome donations to FONSA to support our work. Please see our donations page or donate online via our VirginMoneyGiving pages.

Why VirginMoneyGiving?

We use VirginMoneyGiving (VMG) because it is a non-profit organisation supporting charities in their work.

We paid a one-off £150 to join VMG but there are no monthly fees. VMG charges us for the cost of processing credit and debit card transactions (about 1.5% at time of writing). For eligible donations they also collect Gift Aid for us.

They charge a 2% transaction fee to cover their running costs. This is far less than sites like JustGiving which, as a for-profit company, charges 5% fees on top of the credit/debit card transactions and they have a monthly fee.

So for a £100 donation, eligible for Gift Aid, via VirginMoneyGiving, the net benefit to FONSA would be £120.95.

JustGiving has higher charges to the equivalent figure for a £100 donation via JustGiving is £110.30.

In other words, using VirginMoneyGiving instead of JustGiving saves FONSA £10.65 on every £100 donated online.

Example gift   VirginMoneyGiving   JustGiving   Notes
    UK Non-profit   USA Commercial   Different profit status
Donation   £100.00   £100.00   What the donor pays
Transaction Fee   2% -£2.00   5% -£5.00    
Credit/Debit Card Fee   1.45% -£1.45   1.25% -£1.25   Varies for different cards
Gift Aid   25% £25.00   25% £25.00   (assumes it is eligible)
Fee for Gift Aid   Free £0.00   5% -£1.25    
VMG Joining fee   -£0.60   £0.00   - see Note 1 below
JG Monthly fee   £0.00   -£7.20   - see Note 2 below
Total charges & fees   -£4.05   -£14.70  
Total   £120.95   £110.30   Net benefit to FONSA

FONSA saves £10.65 with VirginMoneyGiving compared with JustGiving.

Note 1: Estimated figure. FONSA paid a fee to join VMG so this is factored in. Say we raise £3,000 per year for at least 10 years the £150+VAT = £180 joining fee has effectively been a charge of 60p for each £100 donated.

Note 2: Estimated figure. Just Giving has no joining fee but it has a monthly charge of £15 + VAT which is £216 per year (inc VAT). If FONSA raises £3,000 online per year via Just Giving then for every £100 donation, the cost to FONSA is £7.20 (this is £216 divided by £3,000 times £100).
(to look at it another way, if we paid £7.20 for each £100 donated via JustGiving, the annual cost of raising £3,000 would be £7.20 x 30 = £216.)

Note 3: Figures and fees taken the VirginMoneyGiving: Our Fees page and the JustGiving: Our Fees page from their websites in January 2019.

Previous Annual Reports

FONSA Annual Accounts 2016-17

logo showing FONSA is registered as charity number SC038502