Author Archives: jn_foundation

Students and teachers at the Chavannes Basic School in Barbican were in a celebratory mood as the bathroom facility at the 43-year-old school was renovated and upgraded by the JN Bank Member Advisory Council.

“The bathroom was in a really bad condition,” said Caroline Brown, principal of the school. “Termites were eating away at the boards. Then JN came in and they assisted us as the facility became unsafe for the children.”

Brown said that the work involved removing the infected boards, spraying, replacing the bathroom vanity and toilet, as well as repairing the roof and improving the ventilation of the facility.

“The children are happy for it. Therefore, I extend our gratitude to JN Bank as we really appreciate the work which was done to improve the facility,” she said.

Christine Chambers said the Council decided to focus on early-childhood institutions for its project, and, as such, identified several of those institutions which needed assistance. Subsequently, Chevannes Basic School, which had greater needs, was selected.

“As we walked into the facility, my asthma triggered. It was an old trailer which was retrofitted. The inside lining of the bathroom was infected with termites. Therefore, to address it, we had to remove the entire lining of the bathroom and replace it,” she said.

“We are very happy that the Chevannes Basic School was selected, because those little children needed a bathroom facility which they could use in comfort,” she added.

Saniah Spencer, chief of marketing and product development, JN Bank, said that the Advisory Council was happy that they were able to assist the institution.

“The MAC (Member Advisory Council) tried to identify projects that would have an impact, and Chevannes Basic School is an institution which serves the communities of Stand Pipe, Papine, Gordon Town and as far as Portmore, St Catherine. Our children deserve the best and JN Bank was happy to be on board for the project,” she said.

The JN Bank’s MAC, formerly known as the Branch Advisory Councils, were established in 2006 to provide JN members with the opportunity to engage directly in the identification and selection of projects within their communities and positively impact the beneficiaries.

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The start of a new year always brings with it deep reflection. It’s a time when most persons often make decisions about the things they want to change in their lives or the goals they want to attain in the new year.
It is also a time when some persons frequently pause to reflect on the condition of their physical and mental health or the state of their finances. However, what many persons fail to realise is that these two subjects often go “hand in hand.”
Rose Miller, grants manager at the JN Foundation and head of the JN BeWi$e Financial Empower Programme, advised that the age-old adage, “health is wealth,” is more than a cliché. Miller pointed out that financial mismanagement can seriously impact one’s physical and mental well-being.
Recent statistics from the Bank of Jamaica (BOJ) revealed that $56.60 of every $100 earned by households in Jamaica is used to finance debt. The information was revealed in the Financial Stability Report 2018. That is the highest level of household debt mapped by the central bank to date, which highlights that Jamaicans are currently servicing three times more debt than they did a decade ago.
According to the BOJ, the underlying reason for the upsurge in debt relates to consumer loans, which have increased three times as fast as income annually.
Many more Jamaicans are also diagnosed with lifestyle illnesses, such as heart disease and strokes, with non-communicable diseases (NCDs) representing two-thirds of all deaths in Jamaica.
Miller noted that while NCDs share several common, modifiable risk factors – tobacco use, harmful alcohol abuse, physical inactivity, and unhealthy diet – taking strides to improve financial health can also have benefits for physical and mental health.
“Part of a wellness-centred lifestyle should also include paying careful attention to your finances and ensure that you’re setting yourself up for a prosperous life,” she advised.
Here are some of the most common ways poor money management can manifest itself physically.
1. Raised Diastolic Blood Pressure
High blood pressure is the precursor to a myriad of health problems, including but not limited to heart attacks and strokes. A 2013 Northwestern University study in the United States of America showed that adults ages 24 to 32, who had high debts, also had higher diastolic blood pressure. “This is an age group which, money issues aside, should be in optimal health. When it comes to heart disease, we can’t help our genetic predisposition; however, we can certainly make an effort to pay down our debts as quickly as possible, which will be of significant help,” she maintained.
2. Greater muscle tension
Muscle tension, including back pain, has been reported in persons with high debt stress. In addition, 44 per cent had migraines or other headaches, compared to just 15 per cent without debt stress, according to a 2008 Associated Press-AOL health poll. “If you believe you’re suffering from tension due to money problems, consider coupling your financial plan with exercises, such as: walking, aerobics, or simple stretches,” Miller advised.
3. Worsened digestive symptoms
The digestive system is often referred to as the centre of health. When under heavy financial stress, many persons do not maintain proper eating habits. Healthy food may not even be accessible or affordable for those in financial trouble. In addition, statistics from a 2008 Associated Press-AOL health poll reveal that 27 per cent of persons with high debt stress reported having ulcers or other digestive tract problems, compared to just eight per cent without debt stress.
4. Depression
If you have major debts, or if you recently lost your job, things can turn bleak very quickly if you are without a financial cushion. Feelings of despair are therefore common. The 2008 Associated Press-AOL health poll also revealed that some 23 per cent of those persons with debt reported having severe depression, compared to just four per cent who were not indebted. The poll also found that there was a 14 per cent increase in depression symptoms with every 10 per cent increase in personal debt.
Miller advised that a life well lived is based on proper financial management.
“While there are many things you can do to improve your physical and mental health, including exercise, eating right, cultivating meaningful relationships, getting regular check-ups and rest, there’s no denying the science behind, and the connection between, health and finances,” she maintained.
“Do everything in your power to keep your credit score high, your debt low, and your savings and investments plenty. You’ll reap the reward both physically and mentally. If needs be, prioritise health, as it is a critical pillar for a successful life.”

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Whether you’re one or 92 years old, for many of us, Christmas often conjures up childlike sentiments.

And those feelings emerged in the form of ‘hilarious tall tales’ from a group of golden agers recently as they were treated to lunch, presented with gifts, and enjoyed a mini concert hosted by The JN Foundation and its ACT!ON volunteers at the Golden Age Home in St Andrew.

The golden agers reminisced about their family gatherings, childish pranks and, of course, the traditional Jamaican cuisine they enjoyed in their youth. They recalled not only sorrel and fruit cake, but also red herring and ‘jontono’ bread, an alternate pronunciation for ‘joined-up’, as the product was characteristically formed from three breads joined together. In addition, there was ackee and salt fish, jackass corn (a hard biscuit made primarily from coconut), and other traditional Jamaican delights.

“One time, me tief out the whole of the middle of the biscuit,” 101 year-old Cybil Francis recalled, as her mind took her back to Christmas when, as a girl, her mother would bake trays of coconut biscuits (jackass corn) and serve the sweet treats with some traditional chocolate tea. “And me get a good whacking fi tief out the coconut business,” she said, to peals of laughter.

JONTONO BREAD AND RED HERRING
Another resident, Claude White, recounted an even more detailed and funnier trip with an uncle as they travelled by donkey on an errand for his grandmother, with whom he lived, to get some jontono bread and red herring for Christmas.

“Him go to the front and me at the back (on the donkey) and me pinch the bread. Then him buy herring and put it in the basket. Me pinch the herring and eat it with the bread and it sweet me!” he recalled, with much laughter.

By the time he got home, only about half the bread remained. But lucky for him, his grandmother did not scold him.

The stories kept flowing and grew more interesting as the seniors tried to outdo each other.

A ‘ram goat’ being used as a horse or mule? Gladstone Kerr was the next to tell his tale. He told of how he ended up with four stitches one Christmas following one of his boyhood meanderings.

“My father was a butcher, and two to three weeks before Christmas him always go around and get the biggest ram goat to buy (which was slaughtered for meat that was most often curried or used to make ‘manish water’ soup), and my duty was to tie out that ram goat (in the mornings) and carry it in at evening time,” he recalled.

However, young Gladstone decided to make an adventure of his daily chore and he made a collar for the goat.

“I jump in the back (of the goat) and ride it go bush and when I coming in the evening, I ride it in again,” he gleefully related.

Then one evening, he decided to take things a little further.

“I made a little cart. I sat in the cart and tied the goat to the cart. There was a deep corner with a gully. Me whip the goat and when him take the corner, the rope that I tied to the cart burst, and me end up down the gully and 10-penny nail run in my foot, and four months I couldn’t go to school,” he recalled.

For young Gladstone, it was a lesson learned, albeit a painful one, but one he could now relate with humour.

The stories continued from the 69 senior citizens that afternoon as they clamoured for the opportunity to not merely walk or jog, but to run down memory lane, eating and singing beloved Christmas songs as they did with the JN Foundation ACT!ON corps and their caregivers at the Golden Age Home.

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A group of 15 persons, comprising engineers, developers, students, and water experts, graduated from a 16-week rainwater harvesting and grey-water-recycling training programme recently.
The training programme was organised by the JN Foundation in collaboration with the Inter-American Development Bank (IDB) through the Water Project Jamaica.
Edward Shakes, one of the graduates, said, “The course was engaging, yet flexible, and, it was a remarkable, enlightening, and vital learning experience.”
Shakes, an engineer, stated that the course allowed him to design and scale a rainwater-harvesting system, that he will construct for his parents, who reside in Manchester, as he is now aware that the system is suited for the parish, based on its heavy rainfall.
TIMELY COURSE
For Coleen Williams, a householder, the course was timely, considering the effects of climate change, and she welcomed the applicable skills that participants learnt during the 16-week programme.
“It is knowledge to share. I can now speak from the choir to the choir,” she said, adding that she learnt a lot during the 16 weeks.
Onyka Barrett Scott, general manager of the JN Foundation, stated that the graduates were ahead of the curve, given that they were the first batch to be trained in rainwater harvesting and grey-water recycling.
“Today, we are proud to be recognising graduates who are armed with knowledge about rainwater harvesting and grey-water recycling; therefore, we are confident that they will effectively implement what they learnt,” she said.
The JN Foundation’s general manager explained that the aim of the initiative is to build local capacity in the design and installation of a variety of water-efficient measures in the housing sector. Participants were exposed to the components of rainwater harvesting systems, water-saving devices that can be implemented by homeowners to save water; and factors that affect water quality, as well as water standards.
Barrett Scott explained that, in the case of Jamaica, droughts and the shifting patterns of rainfall are already creating serious challenges that negatively impact the country’s water supply and distribution systems.
She also noted that the problem of inconsistent water supply has a devastating effect on families, institutions, and communities and affects the business models of housing developers and construction companies, as was experienced this past summer.
In addition, she stated that limited financing and an uncertain business case for water adaptation are barriers to the uptake of water-efficient measures by the housing development sector.
“The Water Project Jamaica, therefore, aims to tackle these issues through the provision of an impactful, scalable model which will enhance Jamaica’s climate resilience,” she posited.
Senator Pearnel Charles jr, minister without portfolio in the Ministry of Economic Growth and Job Creation, commended the JN Foundation and its partners for the training and added that it was a demonstration that they are thinking outside of the box.
He encouraged the graduates to implement what they had learnt. “I’m challenging you, so that, it does not become another line on your “résumé,” he told them.
The minister underscored the importance for the country having strong water-policy guidelines; and gave his commitment to move the plan from draft stage to legislative format. “We have to press on the gas to have it completed,” he affirmed. 

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Desmond Whitley (sitting), manager at the Sunbeam Children’s Home  shows off one of the laptops that was received from the JN Member Advisory Council. Making the presentations were (from left) Tisharn Farquharson, member hospitality officer, JN Bank Old Harbour; Chevanese Peters, programmes coordinator, JN Foundation; Paulette Chambers-Salmon, business relationship and sales manager, at the JN Bank May Pen branch and Alicia Young-Grey of the Marketing department, JN Bank.

The Resource Centre at the Sunbeam Children’s Home in Bushy Park, St Catherine was recently upgraded with new computers, books, tables and chairs, courtesy of the JN Bank Member Advisory Council (JN MAC).
Mr Desmond Whitley, manager at the Sunbeam Children’s Home, said that the institution was happy to receive the gifts, which were presented to the home on December 23.
“The best way to have an impact on the boys’ future is to go for their long-term development; therefore, we pay particular attention to education.  It is what we believe we can give the boys for their sustained development,” he pointed out.
“These boys are from very poor families. Some are from inner city areas and could have gone into criminal activities, if there were no interventions, and the possibilities of some of them dying by 25 years, is very real,” Mr Whitley added.
He underscored that education is key to the rehabilitation of the boys. He noted that when they are educated, they tend to make better decisions and do not turn to violence and crime. He, therefore, commended the JN Bank MAC team for buying into this type of vision.
“We are grateful to JN Bank for catching this vision. They could have bought clothes, but what they have done is to give us something that we can use to strengthen the abilities of the next generation,” he affirmed.
Mr Whitley stated that the computers will assist the boys in their research for their homework; and doing their school based assessment. He also welcomed the fact that, the laptops are flexible and are easily moved around.
The manager at the Sunbeam Children’s Home informed that two of its former wards are now pursuing tertiary studies at The University of the West Indies and at a teachers’ college. He accredited their success to the strong emphasis placed on education at the Home.
“The investment in education is an investment in our nation; as the development of our boys will be an asset to Jamaica,” he said.
Tisharn Farquharson, member hospitality officer, JN Bank Old Harbour, said that the Sunbeam Children’s Home was selected by JN MAC, based on the impact that the home has made on the development of Old Harbour and the Bushy Park area in particular, over the past four decades.
Paulette Chambers-Salmon, business relationship and sales manager, at the JN Bank May Pen branch, said that she was happy that JN Bank was able to assist by improving the equipment in the Resource Centre at the home.
“It is a great feeling,” she related, pointing out that, “I know what it feels like to be without; and would like to do things, but cannot, because of limited resources.”
“The JN MAC believed that this was a worthy cause and, therefore, we decided to assist. The Home is stretched from lack of resources; hence, they would not be able to outfit the Resource Centre. We are, therefore, happy that we were able to deliver on what we promised,” she affirmed.
Future community projects led by JN MAC will now be executed by the recently established JN Circle, a network of service clubs, which has been established to undertake activities, which were previously pursued by JN MAC.

Contact:  Dionne Rose l JN Corporate Communications

The smiles on the faces of the teachers and students at Rainbow Kids Centre & Kindergarten School in St Thomas shone brighter, following the delivery of desktop computers from the JN Bank Member Advisory Council for St. Thomas, on Monday, December 16.
Mrs Sonia Richards, principal of the school, on accepting the presentation, shared that the introduction to computer technology will enhance the teacher’s planning and students’ appreciation for learning.
“We appreciate the computers, and we thank Jamaica National for considering Rainbow Kids Centre for these gifts. It will definitely make teaching and learning more informative and enjoyable, considering that we are in the computer age, and we want our students to be more ‘hands on’,” she said with elation.
Established 14 years ago, Mrs Richards pointed out that the school has a population of approximately 150 students. She also stated that the students usually perform well academically, and as such, there was demand for their graduates, who moved on to the primary level.
Troy Bygrave, JN Bank business relationship and sales manager for St. Thomas and Portmore, said the bank was happy to present the computers to the school, as the gifts will assist in making learning more fun, and, at the same, time give the students an early start in computer literacy. 
“The school was in need of computers for the little minds. Therefore, this will go a long way to improve their computer literacy, considering that we are in the digital age,” he informed.
The computers will also assist teachers to plan more creative lessons, which will, in turn, assist students to grasp more, as they become computer literate, added the JN Bank business relationship and sales manager.

Mr Bygrave said that the JN Bank MAC plans to continue its intervention at the school; and will be upgrading the bathroom facilities; as well as, installing a water tank at the school.
He also pointed out that future community projects in the parish of St. Thomas will be generated by the recently established JN Circle, a network of service clubs, which has been established to undertake activities, which were being pursued by JN MAC.

Contact:  Dionne Rose l JN Corporate Communications

Residents in Brown’s Town, St Ann have identified poor waste management and traffic congestion woes as some of the social problems which they would like to tackle “through advocacy,” to improve the situation in their community.
The residents discussed the areas they want to be improved in their communities, at the inaugural meeting of the JN Circle Brown’s Town, which was held at the JN Bank in Brown’s Town, St. Ann, recently.
They noted that waste management was a result of the poor garbage collection system; and highlighted the need for changes in the manner in which persons disposed of their garbage.
They also cited the need for improvement in road infrastructure, as one solution to address the congestion in the town.
Chevanese Peters, project coordinator at the JN Foundation, encouraged the residents to come together and find out about the plans for the town’s development from the Municipal Council.
Addressing the issue of waste management, Ms. Peters said, “We need to take a multifaceted approach, as we strive to change human behavior, among other issues. This is what the JN Circle will seek to accomplish, as you sit down and discuss the situations. No idea is too small or too big. It is a safe place to speak about your issues and then you go into a planning mode to implement a campaign,” she said.
Earlier in the meeting, Claudine Allen, member ombudsman at The Jamaica National Group, in explaining the rationale of the JN Circle, informed residents, that it was a local network of service clubs, driven by the JN Group and its members, with the aim to improve the lives of its members and positively impact the development of their communities.
“The mandate of the JN Circle is community building, advocacy and networking,” Ms. Allen informed. “There is power in advocacy, and we want to give power to that advocacy. We want to work with you and assist you to make decisions that will positively impact your communities,” she explained.
Ms. Allen stated that the JN Circle was recruiting members who have a ‘fire in their bellies’ for change and want to see improvements in their communities and Jamaica.
Dr Ransford Davidson, business relationship and sales manager at JN Bank, explained that the JN employees and members will come together in the JN Circle, to build relationships and leverage the JN network to implement activities, designed to positively impact the lives of citizens, in communities where entities within the JN Group operate.
“The JN Circle’s intent is to connect people and empower members to boldly enrich their own lives as they build their communities,” he informed.
The JN Circle initiative is being guided by the Member Relations team at The Jamaica National Group, in collaboration with the JN Foundation; along with other JN member companies and organisations.
To date, JN Circles have been established in Port Antonio, Morant Bay, Spanish Town, Linstead and Mandeville.

Contact:  Dionne Rose l JN Corporate Communications

The Jamaica National (JN) Group has introduced a network of service clubs to its members with the aim of encouraging members to work together to take action, which will improve their life and the lives of all Jamaicans.

Earl Jarrett, CEO of The Jamaica National Group, explained the role of the JN Circle to JN members, at a Corporate Area Circle Meeting, held at the JN Bank Half-Way-Tree Branch, recently.

“The JN Circle will provide an opportunity for our members to meet and to share interests,” he explained. “It is my hope that the JN Circle will agitate for change; assist in resolving issues; and find solutions to problems, such as: health and wellness; technology, and safety, among other areas.”

He outlined that in the JN Circle, “you will also take on troublesome issues; and identify solutions, which you can send through to me and the rest of the team; and, if necessary, through advocacy to the policy makers.”

The Jamaica National Group CEO said it was his vision that chapters of the JN Circle will be established in the United Kingdom, Canada and the United States of America, where other JN members, with similar interests, can come together and create a movement.

Explaining how the JN Circle will work, Chevanese Peters, project coordinator at the JN Foundation, said the Circle’s mandate was to network, advocate and build communities.

She outlined that the benefits of the JN Circle will provide members with the opportunity to build their network; benefit from empowerment training; leadership and capacity building; and its members will be exposed to JN representatives with subject matter expertise and resources.

“You must be volunteer minded… you must be passionate about your community; we want members who are honest, have integrity; and are accountable and upstanding in their community,” she explained about the attributes of prospective members.

Claudine Allen, member ombudsman, member relations and quality assurance executive at The Jamaica National Group, said that chapters have already been formed in Portland and St Thomas; and others will be rolled out in parishes across the country, in the coming months.

“The JN Circle will provide a platform for our members and customers to lead change in their respective communities and to improve lives,” she said.

Ms Allen also stated that through the JN Circle, members will have the opportunity to improve their bond with the organisation; build networks, with like-minded persons; and initiate sustainable projects to assist in the development of their communities.

The initiative is being led by the Member Relations team at The Jamaica National Group, in collaboration with the JN Foundation and JN member companies.

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Members at the Spanish Town branch of JN Bank welcomed the introduction of the JN Circle, a global network of service clubs, which are empowered by Jamaica National to advocate for change and strengthen their community.

The members expressed their delight about the initiative at the inaugural meeting, which was held at the branch in St Catherine, recently.

“I believe that this is quite interesting. Once it has something to do with building, conserving and preserving our communities, then this is something that I want to be part of,” Alvin Lawson, a JN Member for some 30 years, said.

Peter Chin, another member, said that he believes that Spanish Town will benefit from having a JN Circle chapter in the old capital.

Pastor Phillip Johnson stated that he has high expectations from the JN Circle. “I believe that this JN Circle is not simply another talk shop. I believe that great things will come from it, therefore, I’m happy to be a part of the JN Circle,” he affirmed.

Major Effiom Whyte, member relations coordinator with JN Group, in explaining the aims and objectives of the JN Circle, said that its goals are to, “Improve the lives of members and serve as a platform for advocacy.”

“This service club is going to provide a platform for all of us to use our voices and to experience and create change for ourselves and others, through networking, advocacy and community development,” he related.

Outlining the benefits of the JN Circle, Chevanese Peters, project coordinator, JN Foundation, informed that participation in a JN Circle will afford members the opportunity to build their network.

“You will benefit from empowerment training, leadership and capacity-building. Through unmatched access to JN’s subject matter expertise and resources, JN Circle members will live better lives,” she said.

Peters further added that “JN Circle members will be connected to Jamaica National, as their relationship will extend beyond the business relationship and also include, JN’s support for issues which impact them and their communities.

JN Circle chapters have been established in Port Antonio, Portland; Morant Bay, St Thomas; Linstead, St Catherine and Mandeville, Manchester. Additional chapters will be rolled out in other parishes during the coming months.

Claudine Allen, member ombudsman, at The Jamaica National Group, who is driving the initiative, stated that the JN Circle presents an opportunity for JN members and employees to work together, to ‘do good,’ in their respective communities; and contribute to building their country.

“Connecting people, communities and doing good are the main objectives of the JN Circle. It will provide an avenue through which members can be engaged in meaningful, sustainable partnerships with JN and their communities, as the group of companies and organisations work to unleash the potential of Jamaicans, wherever they reside,” Allen affirmed.

The initiative is being guided by the Member Relations team at The Jamaica National Group, in collaboration with the JN Foundation and JN member companies.

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