助人上流的房屋機構

要有光是由余偉業於2010年創立的創新房屋機構，以發展住戶的自立能力為目標，並按這目標開發房屋項目，以實踐其獨特使命。機構的主要受惠對象是短貧戶，尤其注重青年和家有兒童的住戶。

為了有最效落實其使命，要有光以非牟利社會企業的形式營運，獲得私人業主、私人基金會和政府政策的寶貴支持。要有光認識到短貧戶所面對的掙扎，他們經常在自立和依賴政府援助之間作出艱難選擇，因此，要有光採取以私人資源實現社會目標的策略，協助個人和家庭通過自身努力，脫離不穩定或不適切的住屋環境，轉向更符合他們追求向上流動願景和實踐潛能的更具主動性的房屋選項。

Housing organization fostering upward mobility

Light Be is a pioneering housing organization founded by Ricky Yu in 2010, with a strong focus on empowering individuals striving for self-reliance and specializing in the development of housing projects customized to fulfill their unique mission. The organization primarily targets short-term impoverished households, with a particular emphasis on supporting youth and families with children.

To effectively accomplish its mission, Light Be operates as a non-profit social enterprise, benefiting from the invaluable support of private property owners, private foundations, and government policies. Recognizing the challenges faced by individuals caught in short-term impoverished situations, who often grapple with the difficult choice between self-reliance and dependence on government assistance, Light Be adopts a private-resources-for-public-good approach. By implementing this approach, Light Be empowers individuals and families transition from unstable or inadequate housing situations to having more proactive options in housing that align with their aspirations for upward mobility and achieve their full potential.

短期貧窮

短期貧窮常常是突發性或隱藏性的。許多面臨短期貧窮的人缺乏計劃或足夠的時間來應對突如其來的住屋困難或財務變化。由於他們看起來像普通市民，他們的需求往往不容易被察覺。如果未能適當處理，短期貧窮問題可能演變為長期貧困問題，對個人和社會產生深遠的影響。

要有光專注於協助處於短期貧窮的住戶重建向上流動的能力，並為他們提供短期房屋。受惠對象根據住戶家中經濟支柱的年齡和上流動機，被分為兩個群體。

青年：這個群體主要由年輕成年人組成，他們的主要動機是改善自己的經濟狀況並推進自己的職業生涯。

家有兒童：這個群體由父母組成，他們的主要動機是為子女提供更好的生活品質。

短貧戶的主要特點包括：

·         追求自力更生。

·         居住在不適條件下。

·         收入水平略高於或略低於貧困線。

·         低收入家庭的第二代。

·         家庭暴力或其他家庭失敗的受害者。

事實上，即使只有部分符合這些描述的個人或家庭也可能屬於短期貧窮群體。我們鼓勵他們不要過早將自己貼上長期貧窮的標籤。

Short-term poverty

Short-term poverty is often sudden or hidden. Many individuals facing short-term poverty lack a plan or sufficient time to cope with the sudden housing difficulties or changes in financial status. Because they appear to be ordinary citizens, their needs are often not easily recognized. If not properly addressed, short-term poverty can evolve into long-term poverty, having far-reaching effects on individuals and society.

Light Be focuses on assisting households in short-term poverty to rebuild their upward mobility and provide them with short-term housing. Beneficiary households are divided into two distinct groups based on the age and motivation of the breadwinner within the household.

Youth: This subgroup comprises younger adults who are primarily motivated by improving their financial situation and advancing their careers.

Families with Children: This subgroup consists of parents who are primarily motivated by providing a better quality of life for their children.

Key characteristics of short-term impoverished households:

·         Striving for self-reliance

·         Living in substandard conditions

·         Income level slightly above or below the poverty line

·         Second generation of low-income families

·         Victims of family violence or other family failures

Indeed, individuals or households who only partially fit the description may also fall within the short-term poverty group. We encourage them not to prematurely label themselves as long-term impoverished.

向上流動租約

針對短貧戶的特定需要，要有光開發了一種嶄新的房屋工具，稱為「向上流動租约」。

計劃特色如下：

三年計劃：計劃以不多於三年為期，讓參與者能夠在三年內分階段逐步實現他們的上流目標。

專屬教練：每個受惠對象都會被分配一位經理作為專屬教練，他們會為參與者提供個性化的督導和指導。

關鍵績效指標（KPI）：受惠對象需要設定與他們個人向上流動相關的具體KPI。這些指標可能包括要努力「搵多啲、儲多啲、住大啲」等，以及其他根據個人情況設定的目標。

租金負擔能力和畢業：計劃旨在改善受惠對象的租金負擔能力。我們鼓勵他們將租住私人單位作為下一個房屋目標，並作為公屋以外的多一個選項。此外，一些受惠對象可能會受到啟發，追求更高的房屋目標，例如購買居屋單位，作為他們向上流動旅程中的重要里程碑。

Upward Mobility Tenancy

To meet the specific needs of these households, Light Be has developed a groundbreaking housing tool called the "Upward Mobility Tenancy."

Program highlights:

Three-Year Plan: The program operates within a three-year timeframe, allowing participants to progress and achieve their goals through several phrases over an appropriate period of time.

Personalized Coaching: Each beneficiary is assigned a Manager who provide personalized coaching and guidance throughout the program.

Key Performance Indicator (KPI): Beneficiaries are required to set specific KPIs tailored towards their upward mobility journey. These KPIs may include striving to earn more, save more, live in larger accommodations and other personalized metrics.

Rental Affordability and Graduation: The program aims to improve the rental affordability for beneficiaries. They are encouraged to use private rental units as a viable option for their next housing goal, providing an alternative to public rental housing. Furthermore, some beneficiaries may even be inspired to pursue higher housing goals, such as purchasing Home Ownership Scheme (HOS) units as a significant milestone in their upward mobility journey.