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About Us

What are Ray of Hope’s core values?

1) Accountability & Transparency – We collect, administer and disburse donations in an honest and transparent manner.

2) Fairness and respect – We help all who need help, regardless of race, language, religion or social status. We must always be neutral and unbiased regardless of our own personal views.

3) Communication – To share our decision-making process, give timely and unbiased updates on cases, be open to feedback, and ensure we maintain an efficient and effective platform for our donors.

4) Maximise Social Impact – Through innovation, partnerships and prudent resource allocation, we ensure that every dollar donated achieves optimal results.

What is Ray of Hope’s mission and vision?

Ray of Hope’s Vision = To build a trusted platform, incorporating casework and counselling as well as programmes for the people in our community to help one another, as a positive giving experience cultivates a greater sense of individual responsibility, leading to stronger social cohesion within our community.

Ray of Hope’s Mission Statement = To help donors and volunteers in our community help those who have fallen through the cracks.

Who is Ray of Hope? What does Ray of Hope do?

Ray of Hope is a registered charity founded in November 2012. We are dedicated to helping deserving individuals and families living within our community who are going through hardship, who have a genuine need for help and may otherwise have no access to assistance. Ray of Hope aims to build a society where the people in our community help one another; as a positive giving experience cultivates a greater sense of individual responsibility, leading to stronger social cohesion within our community.

100% of all your donations goes to our beneficiaries.

Donation

Is My Zakat on Savings eligible for tax relief?

Ray of Hope is not an Institution of a Public Character (IPC), therefore, all donations and giving’s made on Ray of Hope is not eligible for tax relief.

How can I give my Zakat?

You can give your Zakat online. Please click here to give your Zakat.

What is the rate of Zakat and how do I calculate my Zakat?

The rate is 2.5% of your savings. In order to qualify for paying Zakat on Savings, your savings balance must have a minimum amount (Nisab) for a minimum period, which is 1 Islamic year (Haul).

Steps for Calculating Zakat on Savings:

Step 1:

Click here to find out the Nisab Value (Minimum amount) and to calculate the value of your personal savings.

Step 2:

Look through your bank account and search for your savings balance throughout the year. It does not matter if you deposit or withdraw money through the year as Zakat on Savings is based on the balance and not on the deposits or withdrawals made.

Step 3

In the past 1 Islamic Year (1 Haul), if your savings balance is above the Nisab Value, you are eligible to pay Zakat

Step 4:

Identify the lowest balance in the year. This could occur in any period throughout the year

Step 5:

Your Zakat Savings is then calculated as such: Lowest Balance (S$) X 2.5%

Example of Calculating Zakat from One Savings Account:

Date

Deposit (S$)

Withdrawal (S$)

Balance (S$)

01/04/2019

8,000

0

8,000

10/05/2019

2,000

0

10,000

02/07/2019

0

0

10,000

06/08/2019

2,000

0

12,000

07/09/2019

2,000

3,000

9,000

01/12/2019

0

2,000

7,000

01/04/2020

2,300

0

8,300

Throughout the year the lowest balance, which is highlighted in bold, never fell below the value of the Nisab. Therefore, the Zakat on Savings for 1 Haul period of 01/04/2019 – 01/04/2020 is:

S$7,000 x 2.5% = S$175

Should you have multiple savings accounts, look through each individual account, find the lowest balance and add the lowest balances up. If the combined lowest balances exceed the Nisab Value, you are eligible for Zakat.

What Kind of Zakat will be collected?

Only Zakat on Personal Savings will be collected.

Why is Ray of Hope collecting Zakat?

Ray of Hope is a registered charity and a member of NCSS. Last year alone, 51.5% of our beneficiaries are Muslims. Year to date, this has increased to 62.2%. The financial assistance that we provide our beneficiaries with are entirely dependent on public donations.

Every year during Ramadan, we provide a one-off special financial assistance via our Raya for Hope campaign to our Muslim Beneficiaries. Last year we raised S$14,000 for 72 children and 61 adults. This year for Ramadan, we aim to raise S$15,000 to help 42 families (78 adults and 120 children) tide over the holy month. All Zakat raised will go entirely to our Muslim Beneficiaries according to the different Asnafs.

Based on the statistics above, it is projected that Ray of Hope will be helping more Muslim beneficiaries this year. Therefore, Zakat Fund is one way that we can provide a more stable source of financial assistance.

What assistance is Ray of Hope providing for the Muslim Community?

Ray of Hope is a secular organisation and we provide assistance to Singaporeans of all races and religion. These are some of the assistance that our organisation provides for our beneficiaries, Muslims included:

  • Monthly Financial Assistance through Crowdfunding

  • Case Management

  • Referrals to other organisations

  • Counselling

What happens if the funds are not fully raised?

We will disburse any funds to our beneficiaries, even if the target is not fulfilled.

How is Stripe compensated for each donation that I make?

(Update) We’re happy to inform donors that as of of 21 April, the Stripe fee has been lower to around 2%. We will continue to work hard to lower this fee so that we can channel our resources in helping more beneficiaries.

As always, 100% of your donations go to beneficiaries & campaigns. We will continue to cover this fee if you choose to opt out at the checkout page.

(Before 21 April) Stripe charges Ray of Hope around 2.35% per transaction/donation that comes through our platform.

Ray of Hope covers this fee so that 100% of your donations go to the beneficiaries. We are the only crowdfunding platform in Singapore that goes the extra mile to cover this fee.

You can choose to help us by covering this fee (opt out) at checkout. If you do not, we will still cover this fee so that all of your donations goes to our beneficiaries.

For example, if you are donating $100 to a beneficiary, the stripe fee will be around $2.35. During the checkout process, if you decided to opt out, Ray of Hope will cover the $2.35 to make sure that the beneficiary still gets $100, instead of $97.65.

Does Ray of Hope raise funds for foreign charitable appeals or foreigners not living or working in Singapore?

Ray of Hope raises funds for those living in Singapore. Our vision is to build a trusted platform incorporating casework and counselling as well as programmes for the people in our community to help one another, as a positive giving experience cultivates a greater sense of individual responsibility, leading to stronger cohesion within our community.

Is my donation refundable?

Please note that all donations made are non-refundable.

Who stores your credit or debit card details?

We do not store your credit card or debit card details. We utilise Stripe as our merchant facility, therefore your payment details are stored with our merchant Stripe.

What happens when donations raised for a beneficiary are exceeded?

If donations raised for a beneficiary are exceeded, excess funds will be channeled to help other Ray of Hope beneficiaries whose targets are not met.

Is my contribution tax deductible?

Unless explicitly stated in the campaign, only donations to our charity partners who are Institute of Public Character (IPC) are tax deductible. Tax deduction is given directly by our partners, not by Ray of Hope.

Ray of Hope is a registered charity and a member of National Council of Social Service (NCSS) but not an IPC.

What makes Ray of Hope different to other charitable organisations? Why donate through Ray of Hope?

Ray of Hope is different because there is:
1) Donor accountability – All donations are collected by Ray of Hope. We perform due diligence before donations are disbursed.

2) Structured and responsible disbursement of funds – We work closely with all our recipients to estimate their income and living expenses, debt, medical bills et cetera before funds are raised. Disbursements are then made in installments, sometimes in the form of vouchers to ensure that the money is used appropriately.

3) Personal touch for giving – Donations are disbursed directly to the individual or family and not to a general pool. Donors receive continuous and timely updates on our beneficiaries’ progress.