Swansea Crown Court has heard how the former chief executive of a Welsh charity used public money to take out a life assurance policy while the charity was in financial difficulty.
Nasir Malik, the former chief executive of the All Wales Ethnic Minority Association, is accused if 3 counts of fraud.
Mr Malik is charged with cashing cheques from Awema totalling over £11,000 to pay off personal credit card debts while also using the charities money for a life assurance policy.
Awema, which promoted equality and diversity in Wales, was wound up in 2012 after claims of financial mismanagement.
Today a jury heard the charity had reserve funds of £100,000 pounds but staff costs of over £127,000 in 2008.
The court were also told how Awema had given notice on their rented offices and had started laying staff off. Just a few months earlier Mr Malik had taken out a life assurance policy using the charities money costing £90 a month.
Giving evidence Awema's former Treasurer, Stephen Matthews, said in a meeting of the charities trustees he had warned how the charity could be wound up if they didn't secure new funding.
65 year-old Nasir Malik denies all charges of fraud claiming the cheques were used to offset work expenses while he was entitled to the life assurance policy after taking a salary sacrifice.
The case continues.
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