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are being delivered by volunteers and community champions behind local visitor experiences. When planning a weekend break in Donegal, don’t forget to consider some of the terrific clients that our team have helped over the past few years.

From sports activities to sight-seeing, there are many venues and activities located throughout the county whose core purpose is social impact as well as visitors’ enjoyment.

These venues and experiences are housed alongside beautiful beaches, traditional pubs and scenic landscape. Whether you experience a heatwave or a downpour, you are guaranteed a warm welcome and value for money. Get booking.

If you’re brave enough to storm the cold waters, then our first two suggestions will raise an eyebrow…

Kilcar Kayaking or Mullinasole Bay Water Sports Club is the perfect opportunity to explore whilst having fun. Mullinasole Bay is located in Mullinasole, south of Donegal Town whilst Kilcar Kayaking is located in Kilcar, east of Donegal Town. We recently supported both organisations to bridge a finance gap for a retrospective grant fund. It’s fulfilling to see these activity groups flourish and it’s worthwhile visiting for the scenery alone.

Mullinasole Bay Water Sports Club are an unincorporated club with a constitution and a committee who run the Club with a not for profit ethos. Mullinasole Bay Water Sports Club was set up formally in 2020 to promote and provide resources for children and adults to enable them to enhance their experience in salt water based activities such as swimming, kayaking, paddle boarding, windsurfing, Rowing, Sailing and boating. 

Whether health and fitness is a priority or bringing your family and friends together for an event is on your to do list, Finn Valley AC is one of many great facilities.

With one of the best sports facilities on the island of Ireland, Finn Valley AC offers a wide range of facilities. From athletics tracks, pitches to indoor facilities catering for events. Situated in Ballybofey, south of Letterkenny it truly is a modern clubhouse that caters for all and could be the perfect opportunity to hold an event or keep fit throughout your tenure in Donegal. With countless athletes charging out of the blocks representing Ireland, proving the level of commitment and professionalism that goes on behind the scenes here at Finn Valley AC.

Famously, the terrain of Donegal is known for its breath-taking views and there is no exception when mentioning Fort Dunree – which is definitely one for the road trip bucket list with a driving route worthy of an Instagram. Located on the North Coast of Donegal overlooking the North Atlantic Sea.

Fort Dunree was established to enhance the level of tourism on the Inishowen Peninsula in County Donegal. The centre underwent major refurbishments in 2000, and again in 2006, and now incorporates walks, a museum, and a café. In 2019 the organisation received a loan from Community Finance Ireland to bridge FLAG grant aid and cash flow being used towards capital upgrades. 

“Its stunning natural beauty and abundant wildlife are drawing increasing numbers of visitors to one of Inishowen’s most beautiful and peaceful locations. It is a must see for every visitor to the Inishowen peninsula.” – Fort Dunree.

We first helped support Fort Dunree in 2007 so it’s great to see the impact it’s had on tourism over a decade later.

On site, is a military museum with exhibitions, events and the ability to hire the venue for celebrations such as weddings, receptions and conferences would be a unique experience and one to remember. Fort Dunree in Irish means “Forth of the Heather”.

Why not take a trip into what life used to be like and experience the harsh reality of the famine era with a tour around the Dunfanaghy Workhouse.

Located in Dunfanaghy, which now houses a Heritage Centre, explores local history and culture. This beautiful historic building includes tourist information point for the area, as well as an exhibition centre, a coffee shop, art gallery, craft and book shop.

The Workhouse opened as a heritage centre in 1995, and was officially opened by the then President of Ireland, Mary Robinson.

Catering for all, admission is free into the Workhouse. Although, some exhibitions do charge giving an in-depth experience of the struggles throughout The Famine and what the Workhouse was used for – a worthwhile experience.

In summary, this is just a snapshot of the inspiring organisations that we are able to support and love to see the social impact added throughout the Island of Ireland, highlighting projects that continue to choose change reinforces our purpose and the true value of social finance. If you are ever in the region of Donegal and are looking for things to do, make sure to consider these wonderful sites.

With a total of 225 miles of track, formed the largest narrow gauge railway system in north-west Europe from Co. Donegal to Co. Derry and Lough Swilly Railway.

A blast from the past, allowing you to see what life was like back in 1889 with one of the first combustion engines in the world. The recently refurbished museum comprises of railway rolling stock, interesting artefacts, displays, a video presentation, audio presentations, model railways, a reference library, a shop, a coffee hut and much more. The star exhibit has returned to the museum, an original 1907 Donegal Railway steam engine, “Drumboe”, the first engine to return to the county in many decades.

Donegal Railway Heritage Centre have been in existence for over 20 years in Donegal Town attracting some 6,000 visitors per year. At Community Finance Ireland, we are proud to have supported this organisation in restructuring their existing loans to aid cash flow.

Spending your time and money in these venues helps deliver social impact and the endorsement that the local volunteers and committees’ efforts are valued.

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The ambition of all within the Social Economy is to encourage sustainability and reduce levels of dependency, where possible, on the uncontrollable, whatever guise it might take.

The Community Voluntary & Social Enterprise (CVSE) sector owes a great deal to the availability of charitable support, as well as start-up and development grants from various quarters. Much of the Community & Voluntary subset will no doubt always be reliant on continued grant support to maintain the level of service provision. But what of the rest of the sector involved in growing the earned income side of their Social Enterprise?

Social Enterprise will usually need debt finance at some point, to draw down retrospective grant support, for capital acquisition, development, refinance personal debt, or manage existing unsustainable borrowings where immediate demands on repayment are a real threat.

The volunteer led ethos implies to the conventional debt system that there exists at least a reduced, if not total, absence of financial vested interest in the project.

The absence of collateral of any marketable value, often requires volunteers to sign personal guarantees in order to access this debt. A community manager pledging their home as security on a loan has been as bad as I have seen. That the voluntary board allowed the situation to arise is a whole other matter.

Social Finance is the incubator for the community sector on the road to achieving experience in borrowing, developing a credit score, but on terms and conditions appropriate to that market. It does not request personal guarantees off volunteers (or staff!). It normally does not charge arrangement fees. Its priorities are simple.

Presently in Ireland (2022), social finance up to a general limit of €500k is available to the CVSE sector absent arrangement fees and personal guarantees, yet recent survey findings would suggest that much of the sector remains unaware of the support, with over 50% financed by the conventional banking instruments such as overdrafts and secured borrowings.

IRD Kiltimagh in Co. Mayo are clients who understand the benefits of refinancing and are thriving as a result.

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Fundraising is one of the key income sources for GAA clubs. Unlike most mainstream lenders, Community Finance Ireland takes fundraising and projected fundraising into account when considering applications for finance for GAA projects.

Our recent #Supporting Clubs On and Off the Pitch Webinars hosted by Aisling O’Reilly Off the Ball Sports Journalist and featuring some of the best GAA clubs in our communities, offered some really insightful and diverse ways that GAA clubs and volunteers are engaged in helping finance the ambition of their clubs and players.

Here are some of the innovative and most popular fundraising initiatives that are being delivered right across the island of Ireland. You may already have tried these in your club, or you may not but as everybody knows all ideas for financing and keeping the club open and vibrant are always welcome.

1. Club Lotto

Club Lotto remains a big earner for GAA clubs. When Covid struck, volunteers weren’t able to go door to door to sell tickets anymore and a number of clubs moved their lotto activity to online. As one of our clients Jim Codd from Ballyhea GAA in Munster told us, at times the Club Lotto can account for up to 30% of our income.

2. Coffee Mornings and Bake Sales

Who doesn’t love a delicious treat? Host a coffee morning and invite the local community to come along. From Rice Krispie squares and millionaire’s shortcake to cupcakes and brownies, everyone can bring along their baked goods to sell, with the profits going into the club’s coffers.

3. Fundraising Walks

During the pandemic, the activity that saw the biggest rise in participation was walking. As a result clients like Knockananna GAA (Co. Wicklow) and Kilcoo GAA (Co. Down) invested in off pitch facilities such as floodlit walkways. Our own Client Relationship Manager for Munster Nora Keogh said that sponsored fundraising walks are a great source of income for GAA clubs as well as great family events:

“My daughter’s football club in West Limerick has the sponsored walk back again this year. The kids are delighted to go out and get €2 off each of their relatives for taking part. It’s only a small amount but it all adds up. It’s great to see and it’s a great family event on the day.”- Nora Keogh, Community Finance Ireland.

4. Golf Classics

The GAA continue to use other sports outside the realm of Gaelic Games to assist with raising funds for their club. One example that our client Jim Codd at Ballyhea GAA referenced was that of a recent Golf Classic, where a combination of players or volunteers created golf teams to compete against each other with all funds raised going back into the club.

5. Strictly Come Dancing Competitions

Add some sequins and sparkle to your fundraising activity with a Strictly Come Dancing style competition. Pair your GAA players with local community volunteers and sell tickets for a weekly dance off to see who knows their sliotar from their salsa.

6. The 300 Club

After meeting with Community Finance Ireland and setting specific and realistic fundraising targets, Freddie McInerney from Newmarket-On-Fergus GAA Club in Co. Clare explains how they set up a 300 Club:  

“We created a 300 club. We got almost 300 people to sign up over a four year period in which we asked for a donation of €5 per week, €250 a year or a quarterly or sign up on direct debit. People were very generous with some offering €1,000 upfront. We created a team of eight people dedicated solely to this fundraising activity. There were two lads in particular – Thomas Reagan and Darren Dugan who went out and collected probably the bones of €100,000 themselves, talking to people, ringing people, cajoling people and getting them to bring money in. So, in the end we got an awful lot of people signed up.”- Freddie McInerney, Newmarket-On-Fergus GAA.

7. Family Fun Days

With many GAA clubs now the hub of most communities the ability to offer family fun days for their members and their wider community is now a reality. Bouncy castles, Mr Whippy vans, face-painting, arts and crafts and fun and games are almost as likely to be found as the footballs or hurls.

8. Car Boot Sale

It’s an oldie but a goodie, but with us all trying to repurpose or resell rather than put items in landfill the car boot sale is a fantastic way to raise funds as well as reduce waste.

9. Table Quiz

Hosting a table quiz is a simple but effective way to bring in some extra cash and a great way to add some entertainment to the line up at the club house bar. A simple eight round event can be used to test your membership’s knowledge on a variety of subject. Maybe even include a specialist round about your club’s history.

10. Scrap Metal Collections

Scrap metal is valuable in high quantities and rural clubs have been jumping on the opportunity for years. It’s easy to raise money by asking farmers and people in your village for their unwanted scrap metal at a collection point so it can then be sold on. It doesn’t cost the community anything and in fact you’re providing a service that they would otherwise have to pay for.

“When we started fundraising initially, we wanted to find things that are a negative cost to people, so we ran a scrap collection, initially that can bring anything from €2,000 to €10,000 depending on when you are running it and how much people have in their backyards that they want to get rid of.”- Jim Codd, Ballyhea GAA.

Our thanks to all the club members or volunteers who participated in our webinar series this summer and for sharing their insights and experience. If you missed these webinars, don’t worry- you can play them back here. In the meantime we speak finance, but we hear people. Click here and the local client to reach out to the local Client Relationship Manager in your area.

#Supporting Clubs On and Off the Pitch.

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Today (16 June 2022) Ulster Community Investment Trust Ltd t/a Community Finance Ireland held its all island AGM in person for the first time in three years. As part of the AGM the team officially launched its 2021 Annual Report.

The report published today highlights the following key takeaways:

Northern Ireland

  • £2m of loans into 14 local projects;
  • £7.2m to 354 charities via much needed grant payments in collaboration with Department of Communities NI and NICVA; and
  • £4.4m to 152 SME clients through the management of NISBLF Fund II since 2018.

Republic of Ireland

  • €2.2m of loans into 26 projects in the Leinster Region;
  • €1.2m of loans into 15 projects in the Munster Region;
  • €0.1m of loans into 4 projects in the Connacht Region; and
  • €1m of loan approvals into 17 projects in Ulster (excluding NI).

With a client portfolio, whose core assets are predominately its volunteers, the 76 projects saw their own belief mirrored back to them and secured term or bridging loans which supported them in:

  • Keeping their doors open;
  • Pivoting their business;
  • Ensuring their viability when their services were needed more than ever; and
  • Ensuring their sustainability as the island transitions to a new normal.

In what was another extraordinary year for the history the organisation and for the communities and citizens on the island of Ireland Donal Traynor Group Chief Executive said the following:

“Our team continue to ensure social impact is felt not just dreamt and 2021 was no different. Dreams were realised and progress was felt right across the island. Choose change is indeed the mantra of the sector and the volunteers who keep it vibrant. We are delighted to be part of that change, whilst recognising there is always more to do.”.

Donal Traynor, Group Chief Executive Community Finance Ireland

View the report in full here.

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Social finance is a unique form of funding. It helps communities and social enterprises make progress and build sustainable services whilst creating that elusive “social impact” footprint.

It can help projects move to the next exciting stage and many of our clients have done so by accessing both flexible term and bridging loans.

Here at Community Finance Ireland, our team have 21 years experience working with sports clubs (Kilcoo GAC, Co. Down), health/social care services (Foyle Women’s Aid. Co Derry), community halls (Billy’s Tea Rooms Co. Kilkenny) and digital hubs (Sneem Co. Kerry); all of whom have found that social finance enabled them to achieve social impact in their local communities.

A social enterprise, charity or community-led organisation may find themselves looking at their finance needs when assessing a project. While grants can play a role in supporting their objectives, there are those in the sector who also understand that a loan can be part of the solution and help build that new sports facility, re-roof the church, support additional employment or build office facilities in a remote village.

If your organisation is considering a new project, restructuring its finances or has an idea that will drive social impact then here are the Top 5 Tips that will make it easy for you to apply for a social finance loan:

Top 5 Tips for Success:

  • Tell us about yourself

Share what issues you are seeking to address, the facilities you wish to develop or the opportunity you see in your local communities.

  • Confirm Eligible Legal Status

Ensure appropriate governing documents are in place and the applicant organisation has the appropriate power to borrow. Outline the details of those responsible including the list of Directors and/or Trustee

  • Management Team

Highlight the positive attributes of the people behind the project, including: Commitment to improving their community, Track Record, Professional Experience and Skills. Also, evidence clear communications and insights along with sound financial management skills.

  • Financial Performance

Financial stability is a key way to show your organisation will be able to repay a  loan. Alongside financial stability, factor in the social and environmental impact too.  Your ability to repay is assessed by looking at past, present and future finances. These typically include:

  1. Access to previous projects results.
  2. A review of past audited accounts.
  3. Assess relative trends and fundraising capacity.
  4. Recent management accounts, loans held, bank statements and debtors/creditors listings.
  5. Future financial projections.
  • Demonstrate Social Impact

Typically our successful clients are driven by local job creation, local facility development, delivery of health & social care support plus the promotion of diversity and inclusion.

Our Clients Choose Us, as We Offer:

At Community Finance Ireland, We Speak Finance. But We Hear People.

In summary, social finance continues to grow in popularity as a route to helping change-makers deliver the change they want to see and be part of. Whatever you see and whatever it is that you dream of we are waiting to hear from you.

Get in touch here: https://communityfinanceireland.com/contact/

Ends.

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As an all-island brand, with a growing team, our colleagues live and work in Down, Antrim, Meath, Donegal, Waterford, Limerick, Cavan, and Louth. Whilst they also have the option to work at our dedicated office spaces located in Ardee, Co. Louth or in Belfast City Centre.

In light of both the NI and RoI governments’ decision to relax Covid restrictions our team are now working “the new norm”.  

With Northern Ireland’s growing confidence in an office versus home working environment and the Republic of Ireland creating a Bill to pass legislation protecting employees working from home (The Right to Request Remote Work Bill 2021) the traditional five days a week, office based working model is now clearly in transition.

Our team at CFI, have technically spent the best part of the last two years working from home (often at the kitchen table or in some cases a bedroom) and as we settle into our new norm, we asked our people what were the pros and cons they learnt from their experience and how will this experience support them in their day-to-day delivery of social finance solutions to grassroots community clients and projects.

Here’s what they had to say:

“With my home base at Strangford Lough, a hybrid working model allows me to maximise my use of time effectively as I can block out days for new client meetings and when at home, focus on administrative aspects.”

Phelim Sharvin, Head of Community Finance N.I

“Hybrid working is great and allows all colleagues to work where most comfortable. For me, being in the office is important for setting my own boundaries between work and home-life.”

Peter Smyth , Client Relationship Manager N.I

“Working from home has really helped me flourish in my career. I thrive on quiet time where I can focus on strategic papers or analytics and have found zoom meetings suit my working style.”

Nicky McElhatton, Marketing and Social Media Executive

“I joined CFI during the pandemic. My role is Front of House and I really enjoy the office environment. With a newly designed office space in Belfast, I can continue to work safely alongside others.”

Nick Heath, Front Office Administrator

“Having a blend of working-from-home and the office breaks up the week. With a flexible working schedule, this has really helped give me an improved work-life balance.”

Stephanie Nicholl, Compliance Officer

“Working-from-home is something I have gotten used to. Although, I do miss the aspect of being in the company of my colleagues as work relationships are not always the same behind a screen.”

Sandra Cowan, Finance Officer

“My week is usually now 70% office based with 30% working-from-home. I have adapted well to this new rhythm and have also found that as a Manager of a team, the trust with my people has improved greatly.”

Barry Connolly, Group Chief Financial Officer

“The ability to work remotely has given me the chance to spend more time at home. With less distractions, my time spent working is more productive and I have my cats for company, all day.”

Emma Thompson, Finance Executive

“A blended approach allowed me to meet colleagues whom I would not of come into contact with as much whilst working remotely. I am able to create relationships were I can reach out to colleagues from different departments which is hugely beneficial as I start my career.“

Jack Lennon, Marketing Intern

“Hybrid working works excellently for me with a team based all over the country. It offers me the ability to work wherever I might be needed, for both my team and my clients. As long as my phone and laptop charger are optimized, I find the flexibility of different working locations can ensure I can be where I am needed at all times.”

Emmett O’Hara, Head of Community Finance RoI

“My role finds me on the road quite a bit, meeting clients. This regular travelling is balanced by my ability to work from my home on days where I am liasing with other team members and assisting clients from a remote location.”

Anne Graham, Client Relationship Manager Donegal and Connacht

“My role has always been remote and as such, the hybrid working model has little impact on that working style. But what has been welcome, is that many of my colleagues now also have the same working pattern.”

Barry Symes, Client Relationship Manager South East Leinster and Waterford

“I joined Community Finance Ireland just over six months ago and have found zoom meetings invaluable in helping me connect with my new work colleagues.”

Nora Keogh, Client Relationship Manager Munster

“Working from the office is a key benefit to me that helps with my part-time hours and the logistics of family life. Office based work continues to be my personal choice but it’s great to have the ability to work from my kitchen on occasion.”

Terri Martin, Office Manager and Micro-Finance Lead RoI

“Working remotely has never been a barrier to my ability to deliver great work or to engage my colleagues or agency partners on key projects. I have found that meeting in person is always welcome but that with excellent IT support working from home offers a flexibility that really suits my way of working. This new norm has shifted me from a ‘work – life balance’ view to a ‘life –work balance’ view and I love it.

Lita Notte, Head of Marketing and Communications

“A hybrid structure has worked well for me. With the flexible option of remote work or going to the office I have a genuine sense of work-life balance. Time not spent commuting has been redirected to time spent in my local community.”

Pauline Carolan, Office Administrator

“A hybrid working system has been great for everyone here at CFI. With a small team, it allows us to grow resources in all regions of the island and connect with all communities. We swiftly introduced technology and IT supports to help our people and give them the tools they needed to continue to liaise with clients and each other. For me personally, it is great to have a balance with a new Belfast office acting as a hub in more recent months.”

Donal Traynor, CEO Community Finance Ireland

In summary, much like the uniqueness of our people, hybrid working offers different things for everyone. But in essence flexible working practices (either office or home) is successful and our team are very much “fans” of the new norm.

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Last week Donal Traynor our CEO was on hand to help ‘Dress for Success’ expand its reach in Northern Ireland.

As the leading global non-profit employment resource for women our team were on hand to celebrate the initiatives expansion in Northern Ireland, with the opening of a second branch, situated at the Glengall Exchange, in Belfast City Centre, under a new tenancy from Community Finance Ireland.

Dress for Success Northern Ireland is managed by Foyle Women’s Aid and to date has supported over 200 women through its first branch which opened in 2018 in Ashleywood House, Derry/Londonderry. 

This is the only affiliate of the global Dress for Success brand operating in the island of Ireland, there are more than 140 affiliates operating in 20+ countries across the globe and marks an important achievement in the organisation’s growth and reach in Northern Ireland. 

Dress for Success empowers women into the workplace from positions of disadvantage by providing professional clothing and styling, skills and confidence, interview coaching and ongoing support once they re-join the workplace. 

As an equal opportunities company, as well as a registered social enterprise and charity ourselves, our team is delighted to support Dress for Success and aid their ambitions to help women going back to work.

We feel privileged to be able to host the Dress for Success Northern Ireland team, as well as its future service users at our premises, and wish them every success in this new chapter of their history.”

Donal Traynor, Group Chief Executive Officer (Community Finance Ireland)

To find out more about Dress for Success or to refer to its services please contact Sarah Quinn, Programme Manager, 0771 963 681 or email sarah.quinn@foylewomensaid.org.

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Today CFI’s impact was in evidence as Nora Keogh Client Relationship Manager for the Munster region, provided support to social enterprise Recruit Refugees Ireland based in Cork.

Nora had this to say:

“We are delighted to help support Recruit Refugees Ireland and its ambitions to break down barriers to meaningful employment for refugees – the work they do really is delivering impact in the Cork region”

Nora Keogh, Client Relationship Manager (Community Finance Ireland)

CEO Roos Demol outlined to Nora how her team are committed to an inclusive and diverse Ireland and in supporting career aspirations for those who are now living in Ireland.

Community Finance Ireland delivers social finance solutions that support local communities and drive social impact through sports, community projects, faith-based groups, and social enterprises. 

Community Finance Ireland was established in 1995, and now supports a diverse portfolio of clients across the island of Ireland from Bantry to Belfast, and from Dublin to Dingle.

Currently, Community Finance Ireland is the only Irish and UK member of FEBEA, the European Federation of Ethical and Alternative Banks.

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Our all island team are very aware that every small step can help the enormous challenges that climate change and sustainable choices can make to our everyday lives and the planet at large.

We moved “house” in 2021 and had almost 15 years of paperwork stored in boxes that needed to find a home too. Step up Shred Bank, who shredded those old files, helped recycle it and helped us save five trees.

Our client Western Forestry Co- Operative, based in Sligo town have often told us that “trees are the lungs of the earth” and their passionate CEO Marina Conway is a key change-maker herself in the preservation and love of trees.

Marina featured in one of our first Change-maker podcasts and you can hear her views on sustainable forestry here:

Social Impact is in all our hands.

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This time last year we all had hopes that the Pandemic would be done and dusted. We are all aware this didn’t happen and, as we close off another year we will continue to live with its effects for a while yet.

Whilst we acknowledge Covid continued to affect us during the past 12 months, we can confidently say that we supported both our clients and key stakeholders to achieve progress and ensured that, whilst we were often asked to stay apart, we came together in ways that helped our clients deliver health, happiness and hope.

  • We took the opportunity to grow our local footprint and welcomed new team members Emmett, Anne, Pauline, Nora, Nick, Stephanie and Jack.
  • In Belfast our new head office was finally able to open its doors and support our new norm that is a hybrid working model.
  • We helped deploy £7.1m to 354 charities on behalf of Department for Communities via the Covid- 19 Charities Grant Fund.
  • We collaborated with Conor McGale at Rural Community Network and Larry O’Neill CEO Dublin South Co Partnership on the launch of our All Island Recovery Loan
  • We collaborated with Joanne O ‘Riordan of The Irish Times, Brendan Boyce Olympian Athlete and Patsy McGonigle of Finn Valley AC on the launch of our All Island Sports Fund
  • We continued to work with key stakeholders such as Invest NI, Enterprise NI and Department for Communities in Northern Ireland, as well as Social Finance Foundation, Rethink Ireland and DCU in the Republic.
  • We listened to and worked with 91 enquiries.
  • We welcomed an additional 62% increase in followers across our social media channels

All of the above are indications that despite hurdles the sector continues to seek support, insights and social finance.

Donal Traynor, Group Chief Executive, said the following:

“Whilst the Pandemic continues to challenge all communities we have seen greater solidarity across the whole island of Ireland. Clients are responding with innovative fundraising initiatives as-well as migrating to an online service (an investment we ourselves undertook in 2020) to help make the provision of services easier and sustainable.

The sector itself is not immune to trends. We expect to see hybrid events and campaigns plus sustainable, remote working facilities, as well as questions around how we play our part in supporting climate change targets.

All of the above offer the opportunity for us to continue to work with clients who want to ensure social impact is felt not just dreamt – we are here listening all the time and committed to finding solutions that support that ethos”.

Donal Traynor, Group Chief Executive

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