助人上流的房屋機構

要有光是由余偉業於2010年創立，提出以創新「向上流動租約」有針對性地協助「短貧戶」。在現實生活中，工作、家庭與住屋之間的矛盾有時會令人想躺平。「向上流動租約」的目標，是激勵和督導這些面對兩難的人去發掘多一條路。這條路要讓他們有機會將生活目標由「脫貧」提升至「向上流」，並有空間讓他們能夠一邊務實地「計數」，另一邊又能有一個去「搏」的方向！自創辦以來，要有光已經累積了十多年的向上流動租約實際管理經驗。

要有光始終相信「短貧戶」的個人潛能是推動他們向上流動的最可持續發展資源！十多年來，要有光見證了大量受惠住戶逐步邁向自立，成果甚至遠超他們對自己原有的期望。同時，這創新理念持續得到善心業主的支持，他們一個接一個地提供自己的物業，令「向上流動租約」得以持續發展。

Housing organization fostering upward mobility

Light Be was founded by Ricky Yu in 2010, proposing an innovative Upward Mobility Tenancy specifically aimed at assisting Short-term Poor Households. In real life, the tensions between work, family, and housing can sometimes press people to lying flat. The goal of the Upward Mobility Tenancy is to motivate and guide those facing dilemmas to explore a new path. This path allows them the opportunity to elevate their life goals from "escaping poverty" to "moving upward," while also providing space for them to pragmatically "calculate" and have a direction to "strive" forward! Since its founding, Light Be has accumulated over ten years of practical management experience with Upward Mobility Tenancy.

Light Be believes that the personal potential of Short-term Poor Households is the most sustainable resource for driving their upward mobility! Over the past decade, Light Be has witnessed many beneficiary households gradually becoming self-reliant, with results that even exceed their original expectations. At the same time, this innovative concept continues to receive support from kind-hearted property owners, who one by one provide their properties, allowing the Upward Mobility Tenancy to continue developing.

積極應對「短貧戶」長期社會現象

「短貧戶」是社會中一種長期存在卻常被忽略的現象。「短貧戶」的形成往往涉及突然失去居所，或因深層家庭問題而被迫另覓住處。其實，許多「短貧戶」最缺乏的通常不單是資源，更需要時間、經驗與心力，以真正逆轉其生活發展方向。由於這些「短貧戶」在日常生活中可能表現得與一般家長、職員、學生無異，他們的困境往往不容易被察覺。如果未能妥善處理，短期貧窮可能會「向下」惡化為長期貧困，對其個人及整體社會皆可能造成難以逆轉的負面影響。

「短貧戶」依其家庭經濟支柱的年齡和向上流動的動機，可分為兩類：

家有子女：這個群體主要由父母組成，其核心動機是為子女創造更好的成長環境。

青年：這個群體多為年輕成年人，其主要動力在於突破經濟困境，從而逐步建立自主程度較高的生活模式。

「短貧戶」的其他常見背景包括：

• 正面對短期工作能力大幅下降、收入急劇減少，或開支顯著上升的處境。

• 正經歷家庭結構或住屋需求出現根本性轉變。

• 收入水平略高於或略低於貧窮線。

• 缺乏基本儲蓄。

• 來自低收入家庭的第二代。

• 意外陷入向下流動的中產家庭。

• 缺乏家庭支援、必須獨自生活，並即將完成學業的「工讀生」。

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。

Proactively tackling the long-term social phenomenon of Short-term Poor Households

Short-term Poor Households are a long-standing yet often overlooked phenomenon in society. The formation of Short-term Poor Households is often related to sudden home loss or being compelled to relocate due to deep-seated family issues. In fact, many of these households often lack not just resources, but they need time, experience, and inner strength to truly reverse the trajectory of their lives. Since these Short-term Poor Households may appear indistinguishable from typical parents, employees, or students in their daily lives, their plight often goes unnoticed. If not properly addressed, short-term poverty may deteriorate "downward" into long-term poverty, potentially causing irreversible negative impacts on both individuals and society as a whole.

Short-term Poor Households could be divided into two groups based on the age of their family economic support and their motivation for upward mobility:

Families with Children: This group consists mainly of parents whose core motivation is to create a better growth environment for their children.

Young Adults: This group primarily includes young adults whose main drive is to break free from economic difficulties and gradually establish a more autonomous lifestyle.

Other common backgrounds of Short-term Poor Households include:

• Facing a significant decline in work capacity in the short term, a rapid decrease in income, or a substantial increase in expenses.

• Experiencing fundamental changes in family structure or housing needs.

• Having income levels slightly above or slightly below the poverty line.

• Lacking basic savings.

• Being second-generation individuals from low-income families.

• Unexpectedly falling into downward mobility from the middle class.

• Living independently without family support, as "working students" who are about to complete their studies.

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 poor.

以「向上流動租約」模式營運房屋項目

由於大多數「短貧戶」皆缺乏向上流動的經驗，除了提供可負擔的居所外，「要有光」亦會要求及協助他們擬定個人化的向上流動計劃。

計劃特色如下：

三年計劃：計劃以三年為限，採取逐年規劃、定期檢討之模式，引導「短貧戶」學習以務實態度分階段達成向上流動目標。

教練：受惠對象均配有專屬教練，負責督導其執行三年計劃。

關鍵績效指標（KPI）：三年計劃設有具體KPI，指標範疇除涵蓋「搵多啲、儲多啲、住大啲」等積極目標，亦針對個人深層的「向下」成因，設定相應的逆轉與改善目標。

擴闊房屋選擇：我們鼓勵受惠對象主動嘗試將租住私人單位視為公屋以外的可行選項，透過實際行動，親身體驗並掌握房屋選擇的主導感。此過程亦可能啟發部分受惠對象，進而將購置居屋等更高階住屋目標，設定為向上流動歷程中的重要里程碑。

Operate housing projects based on the Upward Mobility Tenancy model

Since most Short-term Poor Households lack experience in upward mobility, in addition to providing affordable housing, Light Be will also require and assist them in formulating personalized upward mobility plans.

The features of the plan are as follows:

Three-Year Plan: The plan lasts up to three years. It adopts an annual planning and regular review model to guide Short-term Poor Households in pragmatically achieving their upward mobility goals.

Coaches: All beneficiaries are assigned dedicated coaches responsible for supervising their implementation of the three-year plan

Key Performance Indicators (KPIs): The three-year plan includes specific KPIs that not only cover positive targets such as 'earning more, saving more, and living larger', but also address the deeper 'downward' causes at the individual level, setting corresponding goals for reversal and improvement.

Broadening of Housing Options: We encourage beneficiaries to consider renting private units as a viable option beyond public housing. By taking actions, they gain experience that fosters a sense of greater control over their housing options. This process may also inspire some beneficiaries to set higher housing goals, such as purchasing a home ownership scheme flat, as important milestones in their journey of upward mobility.