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Annual Report Rapport Annuel ANNUAL REPORT RAPPORT ANNUEL Hebrew Free Loan Association of Montreal Association hébraïque de prêts bénévoles de Montréal HEBREW FREE LOAN ASSOCIATION ASSOCIATION HÉBRAÏQUE DE PRÊTS BÉNÉVOLES OFFICERS • DIRIGEANTS Sharron Schwartz Heather Adelson Ron Wigdor Daniel Zolov President Vice President Treasurer Secretary Présidente Vice-présidente Trésorier Secrétaire DIRECTORS • ADMINISTRATEURS David J. Cohen Marc Mintzberg Jack Noodelman Gerald Tabak Murray Steinberg Past President Past President Past President Director Director Ancien président Ancien président Ancien président Administrateur Administrateur Director Director Director Administrateur Administrateur Administrateur Andrew Koenig Iris Aaron Richard Grover Ariel Dayan-Medalsy Jack Dworkind Stacy Gurman Director Director Director Director Director Director Administrateur Administratrice Administrateur Administratrice Administrateur Administratrice DIRECTORS EMERITUS• Elaine Cappel, Aaron Fish, David Muller, Moshe Reiss, Peter Schreter ADMINISTRATEURS ÉMÉRITES PAST PRESIDENTS • Zigmond Fineberg* David Kaufman* Mark N. Kraminer ANCIENS PRÉSIDENTS Founder and Organizer 1980-1983 2000-2001 Fondateur et organisateur Joshua I. Ronn* Jack Noodelman 1911-1917 1983-1987 2001-2005 Moses Albert* Arthur Levitt Charles Benisty, CPA, CGA 1918-1921 1987-1989 2005-2006 Nathaniel S. Fineberg,* M. A. K. C. Bernard Richler* Rena Gornitsky 1921-1949 1989-1991 2006-2010 William Levy* Moses Salzberg Frank Leboff, FCPA, FCA 1949-1970 1991-1993 2012-2015 Joseph Guttman* David A. Stein, FCPA, FCA Marc Mintzberg 1970-1974 1993-1996 2015-2018 Joseph Schreter* Morrie M. Cohen David J. Cohen 1974-1977 1996-2000 2018-2019 Louis B. Magil* 2010-2012 1977-1980 HONORARY SOLICITORS • Hon. Yoine Goldstein, Ad.E.* of/de McMillan, S.E.N.C.R.L. AVOCATS HONORAIRES STAFF • Nicky Madoff, Myriam Amar, Laura Chait PERSONNEL 2019 BOARD OF DIRECTORS * Deceased/Décédé CONSEIL D’ADMINISTRATION President’s Report Rapport de la présidente Our Gematria: Notre Guematria: 109 – years we have been established in the Montreal community 109 - Nombre d’années que nous sommes établis dans la communauté de Montréal 501 – the number of loans we granted this past year 501 - le nombre de prêts que nous avons accordés au cours de la dernière année 2,86 millions de dollars - le montant d'argent que nous avons prêté cette année $2.86 Million – the amount of money we loaned out this year Incalculable - Le nombre de personnes et de familles nous avons aidées au fil des ans Countless – how many individuals and families we have helped over the years Notre crédo vise à aider les autres:Soulager l'appréhension, garder l'espoir, maintenir la dignité et le respect de soi de toutes We live by the credo of helping others. To relieve apprehension, sustain hope, maintain the dignity and self-respect of persons les personnes en difficulté financière. Alors, comment avons-nous réalisé nos objectifs cette année? financially distressed. So, what did we do this year? Nous avons distribué de l'argent pour aider les emprunteurs à répondre aux besoins de leur vie quotidienne. Du paiement de loyer à la prise en We gave out money to help borrowers meet the needs of their everyday lives. From paying rent to help with school fees and medical charge des frais de scolarité et des frais médicaux, Chaque prêt représente une main tendue ou une épaule sur laquelle ils peuvent s'appuyer, expenses, each loan is like offering an extended arm or a shoulder to lean on as we helped to raise someone up. tout en leur permettant de garder la tête haute. We helped families send their teens on March of the Living trips. Jointly with Generations Fund of Federation CJA, this year we were Nous avons aidé plusieurs familles à envoyer leurs adolescents à La Marche des Vivants, conjointement avec le Fonds Générations de la on track to aid 9 families have their child experience an incredibly emotional journey of awareness. Trips however were cancelled Fédération CJA. Cette année, nous étions sur le point d’accorder des prêts à 9 familles qui désiraient faire vivre à leurs enfants une expérience as fall out in the coronavirus pandemic. We hope that when the world returns to whatever the new normal will be, that this joint de sensibilisation incroyablement émouvante. Cependant, ces voyages ont été annulés à cause de la pandémie du coronavirus. Nous espérons program will again start up so that we can once again be a partner in making these trips happen. que lorsque la situation reviendra à la normale, nous pourrons à nouveau reprendre ce programme conjoint afin que ce voyage devienne réalité. Nous avons rencontré des étudiants de l'Académie hébraïque qui voulaient en savoir plus sur notre association dans le cadre d’un projet scolaire. We met with students from Hebrew Academy who wanted to learn more about our Association for a school project. Windmill Microlending came to us as well for our help and expertise in the area of granting loans. They grant loans across Canada to L’organisme Le Moulin Microcrédits a fait appel à notre expertise et à nos conseils dans le domaine de l'octroi de prêts. Ils accordent des prêts immigrants and refugees to help them attain certification recognition. à travers le Canada aux immigrants et aux réfugiés pour les aider à faire leur certification professionnelle, ce qui leur permettra de poursuivre leurs carrières au Canada. We also mourned. HFLA has lost an unwavering and loyal supporter in the passing of our longtime Honorary Solicitor and Counsel Senator Yoine Goldstein z”l. He worked with us for over 25 years and was never too busy to take our call or act on our behalf. We Nous avons également pleuré la perte d’un pilier de l’Association, une personne fidèle, d’un dévouement indéfectible, notre avocat et conseiller offer our deepest condolences to his family as well as to the Jewish community. He was an active supporter of our entire community. honoraire de longue date, le Sénateur Yoine Goldstein z ”l. Il a collaboré avec nous pendant plus de 25 ans et n'a jamais été trop occupé pour répondre à nos appels ou agir en notre nom. Nous présentons nos plus sincères condoléances à sa famille ainsi qu'à la communauté juive. Il COVID-19 has played havoc with the world these past few months. Many Hebrew Free Loan offices, including us, quickly stepped up était Il était un grand supporteur de toute la communauté. to the plate. We offered a new category of loan particularly for those adversely impacted. Word was spread through our community by Federation, the synagogues and the Rabbis of Montreal. A grace period of 2-3 months for repayment deferrals was allowed so that COVID-19 a fait des ravages dans le monde ces derniers mois. De nombreux bureaux de prêts sans intérêts dont nous-mêmes, ont rapidement borrowers could get back on their feet and obtain a certain level of stability to their lives. réagi. Nous avons proposé une nouvelle catégorie de prêts, en particulier pour ceux qui ont été affectés. Le message a été diffusé dans notre communauté par la Fédération, les synagogues et les rabbins de Montréal. Un délai de grâce de 2 à 3 mois a été accordé pour les remboursements Even with our own office closed, we were able to maintain our complete operation and continue with our help. Without the mensuels afin que les emprunteurs puissent se remettre sur pied et atteindre un certain niveau de stabilité dans leur vie. unparalleled dedication of our staff, directors and loan committee members this could not have happened. Thank you all, and in Malgré la fermeture de notre bureau, nous avons pu maintenir toutes nos opérations et continuer à répondre à toutes les demandes. Sans le particular Nicky, for keeping all the balls in the air as we worked through the changes and adjustments we needed to make to have dévouement inégalable de notre personnel, de nos directeurs et des membres du comité des prêts, cela n'aurait pas pu se produire. Merci à tous, it all happen. et en particulier à Nicky, d’avoir su s’acquitter de multiples tâches à la fois pendant que nous travaillions sur les changements et ajustements que We are fortunate to have a team in the office that makes it run so smoothly. With close to 60 years of combined service, Nicky, nous devions apporter afin d’atteindre nos objectifs. Myriam and Laura do all of the heavy lifting. From meeting with clients to crossing the t’s and dotting the i’s on the paperwork, Nous avons la chance d'avoir une équipe au bureau qui fait en sorte que tout se passe bien. Avec près de 60 ans de service à eux trois, Nicky, they seamlessly and without fanfare keep the organization humming along. We owe them many thanks for making us look so good. Myriam et Laura font tout le travail. De la rencontre avec les clients à la mise en place des procédures administratives dans les moindres détails. The value of having many diverse opinions and experiences around the table comes into play at each of our meetings. Listening Ils assurent le bon fonctionnement de l'organisation de manière transparente et sans fanfare. Nous leur devons notre excellente réputation. to and understanding another viewpoint is invaluable to making the right decisions. Without this interplay we would not be as L'intérêt d'avoir de nombreuses opinions et expériences diverses autour de la table se manifeste à chacune de nos réunions. Écouter et effective in continuing the important work of this organization. I thank each and every director and committee member for not comprendre un autre point de vue est inestimable pour prendre les bonnes décisions. Sans cette interaction, nous ne serions pas aussi efficaces being shy to impart their wisdom, to share their knowledge and to give us their time to keep HFLA going.
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