Civic Intelligence

Boulder Institute of Microfinance

EIN 20-1175839 • 501(c)3 • Syracuse, NY

Profile

To contribute to a rapid increase in the access of families living on less than 2 dollars a day to a full range of safe, affordable, and easy to use, formal financial services, delivered through a financial ecosystem in which a variety of partners specialize in different parts of the financial value chain.

120 East Washington StreetSyracuse, NY 13202

www.bouldermicrofinance.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

71st percentile

0.10x

Higher debt load relative to assets than 71% of similar nonprofits.

NTEE B • $500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

90th percentile

0.41x

Higher debt load relative to revenue than 90% of similar nonprofits.

NTEE B • $500k-$1M nonprofits • Source year 2024

Net Margin

5th percentile

-67%

Higher net margin than 5% of similar nonprofits.

NTEE B • $500k-$1M nonprofits • Source year 2024

Top Officer Pay

78th percentile

$66,920

Higher top officer pay than 78% of similar nonprofits.

Top officer pay equals 40.2% of source-year revenue.

NTEE B • $500k-$1M nonprofits • Source year 2024

Asset Growth

16th percentile

-15%

Faster asset growth than 16% of similar nonprofits.

NTEE B • $500k-$1M nonprofits • Annualized from 2023 to 2024

Revenue Growth

82nd percentile

61%

Faster revenue growth than 82% of similar nonprofits.

NTEE B • $500k-$1M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets71st percentile

Assets

Down

$660,368

Down $119,316 (-15%) from 2023

Liabilities

Down

$68,665

Down $7,908 (-10%) from 2023

Net Assets

Down

$591,703

Down $111,408 (-16%) from 2023

Operations
Liabilities / Revenue90th percentileNet Margin5th percentile

Revenue

Up

$166,285

Up $62,989 (+61%) from 2023

Expenses

Down

$277,693

Down $74,814 (-21%) from 2023

Net Income

Up

-$111,408

Up $137,803 (+55%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth16th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$6.0M$4.0M$2.0M$0Assets 2010: $2,052,782Liabilities 2010: $223,551Net Assets 2010: $1,829,2312010Assets 2011: $1,944,447Liabilities 2011: $222,735Net Assets 2011: $1,721,7122011Assets 2012: $4,041,779Liabilities 2012: $2,485,518Net Assets 2012: $1,556,2612012Assets 2013: $4,024,824Liabilities 2013: $2,230,179Net Assets 2013: $1,794,6452013Assets 2014: $4,017,626Liabilities 2014: $1,889,232Net Assets 2014: $2,128,3942014Assets 2015: $4,297,860Liabilities 2015: $2,015,211Net Assets 2015: $2,282,6492015Assets 2016: $3,002,401Liabilities 2016: $631,647Net Assets 2016: $2,370,7542016Assets 2017: $3,990,289Liabilities 2017: $1,564,443Net Assets 2017: $2,425,8462017Assets 2018: $3,181,259Liabilities 2018: $839,920Net Assets 2018: $2,341,3392018Assets 2019: $2,490,824Liabilities 2019: $110,214Net Assets 2019: $2,380,6102019Assets 2020: $1,746,777Liabilities 2020: $82,268Net Assets 2020: $1,664,5092020Assets 2021: $1,492,552Liabilities 2021: $151,062Net Assets 2021: $1,341,4902021Assets 2022: $1,023,602Liabilities 2022: $71,280Net Assets 2022: $952,3222022Assets 2023: $779,684Liabilities 2023: $76,573Net Assets 2023: $703,1112023Assets 2024: $660,368Liabilities 2024: $68,665Net Assets 2024: $591,7032024

Highlighted filing

2024

Assets$660,368
Liabilities$68,665
Net Assets$591,703
Open 2024 Filing

Operations Trend

Revenue Growth82nd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $1,334,9962010Expenses 2011: $1,381,0862011Expenses 2012: $1,619,8292012Revenue 2013: $3,021,191Expenses 2013: $2,776,567Net Income 2013: $244,6242013Revenue 2014: $4,267,169Expenses 2014: $3,917,291Net Income 2014: $349,8782014Revenue 2015: $3,719,266Expenses 2015: $3,542,254Net Income 2015: $177,0122015Revenue 2016: $3,175,107Expenses 2016: $3,088,528Net Income 2016: $86,5792016Revenue 2017: $3,421,881Expenses 2017: $3,370,285Net Income 2017: $51,5962017Revenue 2018: $2,818,096Expenses 2018: $2,887,575Net Income 2018: -$69,4792018Revenue 2019: $2,185,280Expenses 2019: $2,134,955Net Income 2019: $50,3252019Revenue 2020: $35,797Expenses 2020: $750,633Net Income 2020: -$714,8362020Revenue 2021: $368,167Expenses 2021: $691,186Net Income 2021: -$323,0192021Revenue 2022: $454,055Expenses 2022: $843,223Net Income 2022: -$389,1682022Revenue 2023: $103,296Expenses 2023: $352,507Net Income 2023: -$249,2112023Revenue 2024: $166,285Expenses 2024: $277,693Net Income 2024: -$111,4082024

Highlighted filing

2024

Revenue$166,285
Expenses$277,693
Net Income-$111,408
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$660,368
Liabilities
$68,665
Net assets
$591,703
Revenue
$166,285
Expenses
$277,693
Net income
-$111,408
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.66$0.07$0.59$0.17$0.28$0.11
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.78$0.08$0.70$0.10$0.35$0.25
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.02$0.07$0.95$0.45$0.84$0.39
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.49$0.15$1.34$0.37$0.69$0.32
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.75$0.08$1.66$0.04$0.75$0.71
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.49$0.11$2.38$2.19$2.13$0.05
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.18$0.84$2.34$2.82$2.89$0.07
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.99$1.56$2.43$3.42$3.37$0.05
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.00$0.63$2.37$3.18$3.09$0.09
2015Detailed filing. Detailed filing data is available for this year.$4.30$2.02$2.28$3.72$3.54$0.18
2014Detailed filing. Detailed filing data is available for this year.$4.02$1.89$2.13$4.27$3.92$0.35
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.02$2.23$1.79$3.02$2.78$0.24
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.04$2.49$1.56$1.62
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.94$0.22$1.72$1.38
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.05$0.22$1.83$1.33
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Aug 10, 2023
Return Version
2022v5.0
Gross Receipts
$454,055
Mission and Program Overview

Mission

To contribute to a rapid increase in the access of families living on less than two dollars a day to a full range of safe, affordable, and easy to use formal financial services, delivered through a financial ecosystem in which a variety of partners specialize in different parts of the financial value chain

To promote education through conducting national and international training programs of the financial value chain

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$1,389,081$902,982▼ $486,099
Cash and Non-Interest-Bearing Accounts$73,858$96,183▲ $22,325
Prepaid Expenses and Deferred Charges$3,802$3,846▲ $44
Accounts Receivable$1,950$1,950→ $0
Land, Buildings, and Equipment, Net$1,952$1,089▼ $863
Total Assets$1,492,552$1,023,602▼ $468,950
Other Assets Total$21,909$17,552▼ $4,357
Liabilities
Deferred Revenue$123,615$36,856▼ $86,759
Accounts Payable and Accrued Expenses$27,447$26,997▼ $450
Other Liabilities$0$7,427▲ $7,427
Total Liabilities$151,062$71,280▼ $79,782
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,341,490$952,322▼ $389,168
Total Net Assets Fund Balance$1,341,490$952,322▼ $389,168
Total Liabilities and Net Assets / Fund Balance$1,492,552$1,023,602▼ $468,950

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,089$92,200$93,289
Compensation and Service Providers
Top Officer Pay78th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robert Peck ChristenPresidentPT$180,000$15,143$195,143
Consuelo Munoz ArayaMemberFT$50,000$9,068$59,068
Zach FullerTreasurer-$12,000-$12,000

Board Members and Trustees

NameTitle
Djibril MbengueMember
Lucy LawrenceMember
Richard RosenbergMember
Sousan Urroz-koroiSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$64,714
Program Service Revenue
$385,837
Investment Income
$3,504
Other Revenue
$0
All Other Contributions
$64,714
Change in Net Assets
$-389,168

Audited Revenue Reconciliation

Revenue per Audited Statements
$454,055
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$454,055
Total Revenue per Form 990
$454,055
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$529,661
Salaries, Compensation, and Employee Benefits$313,562
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other$243,052$12,000-$255,052
Current Officers, Directors, Trustees, and Key Employees$195,500$34,500-$230,000
Other Salaries and Wages$46,339$8,178-$54,517
Advertising$30,931--$30,931
Payroll Taxes$24,688$4,357-$29,045
Occupancy$21,628$3,812-$25,440
Fees for Services Accounting$15,706$2,771-$18,477
Information Technology$8,522$1,504-$10,026
Insurance$3,998$706-$4,704
Other Expenses$1,548$1,115-$1,548
Office Expenses-$1,221-$1,221
Travel$683$188-$871
Depreciation Depletion$734$129-$863
Total Functional Expenses$771,513$71,710$0$843,223

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$843,223
Total Expenses per Audited Statements$843,223
Total Expenses per Form 990$843,223
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Operating Lease Liability$7,427
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
No
Audit committee
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 2

“Robert peck christen, president and consuelo munoz araya, vice president are married.”

Form 990, Part VI, Section B, Line 11B

“All board members receive a copy of form 990 before filing for their review.”

Form 990, Part VI, Section B, Line 12C

“All directors and officers are monitored by the board of directors for any potential conflicts of interest.”

Form 990, Part VI, Section B, Line 15

“The treasurer and president develop the compensation package for all employees based upon research and the board of directors approves the compensation packages.”

Form 990, Part VI, Section C, Line 19

“The organization makes its governing documents, conflict of interest policy and financial statements available to the public upon request at their office.”

Filing and Contact Details

Filer

Filer Name
Boulder Institute of Microfinance
EIN
20-1175839
Phone
3157603091
Address
120 EAST WASHINGTON STREET, SYRACUSE, NY 13202

Signing Officer

Name
Robert Peck Christen
Title
President
Phone
3157603091
Signed
2023-08-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robert Peck Christen
Formed
2004
Legal Domicile
Co
Voting Board Members
7
Independent Board Members
4
Employees
3
Volunteers
0

Preparer

Firm
Bonadio & Co Llp
Address
432 NORTH FRANKLIN STREET, SYRACUSE, NY 13204
Preparer
Michelle Mundy
Phone
3154227109
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Consultants: program service expenses 243,052. Management and general expenses 12,000. Fundraising expenses 0. Total expenses 255,052.”

Raw XML AppendixShowing 400 of 458 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd01
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt027447
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt026997
IRS990/AccountsReceivableGrp/BOYAmt01950
IRS990/AccountsReceivableGrp/EOYAmt01950
IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROMOTE EDUCATION THROUGH CONDUCTING NATIONAL AND INTERNATIONAL TRAINING PROGRAMS OF THE FINANCIAL VALUE CHAIN
IRS990/AdvertisingGrp/ProgramServicesAmt030931
IRS990/AdvertisingGrp/TotalAmt030931
IRS990/AllOtherContributionsAmt064714
IRS990/AnnualDisclosureCoveredPrsnInd00
IRS990/AuditCommitteeInd00
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0ROBERT PECK CHRISTEN
IRS990/BooksInCareOfDetail/PhoneNum03157603091
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0120 EAST WASHINGTON STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0SYRACUSE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NY
IRS990/BooksInCareOfDetail/USAddress/ZIPCd013202
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CashNonInterestBearingGrp/BOYAmt073858
IRS990/CashNonInterestBearingGrp/EOYAmt096183
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt034500
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0195500
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0230000
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt064714
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt03504
IRS990/CYOtherExpensesAmt0529661
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0385837
IRS990/CYRevenuesLessExpensesAmt0-389168
IRS990/CYSalariesCompEmpBnftPaidAmt0313562
IRS990/CYTotalExpensesAmt0843223
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0454055
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt0123615
IRS990/DeferredRevenueGrp/EOYAmt036856
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt0129
IRS990/DepreciationDepletionGrp/ProgramServicesAmt0734
IRS990/DepreciationDepletionGrp/TotalAmt0863
IRS990/Desc0PROVIDE MICROFINANCE TECHNICAL TRAINING TO THE PRACTITIONERS OF THIS FIELD AROUND THE WORLD AND TO REDUCE POVERTY THROUGH MICROFINANCE TRAINING
IRS990/DescribedInSection501c3Ind01
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd00
IRS990/EmployeeCnt03
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EngagedInExcessBenefitTransInd00
IRS990/ExpenseAmt0771513
IRS990/FamilyOrBusinessRlnInd01
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt02771
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt015706
IRS990/FeesForServicesAccountingGrp/TotalAmt018477
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt012000
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt0243052
IRS990/FeesForServicesOtherGrp/TotalAmt0255052
IRS990/ForeignActivitiesInd00
IRS990/ForeignCountryCd0CI
IRS990/ForeignFinancialAccountInd01
IRS990/ForeignOfficeInd01
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt025.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.50
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt015143
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt19068
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/PersonNm0ROBERT PECK CHRISTEN
IRS990/Form990PartVIISectionAGrp/PersonNm1CONSUELO MUNOZ ARAYA
IRS990/Form990PartVIISectionAGrp/PersonNm2ZACH FULLER
IRS990/Form990PartVIISectionAGrp/PersonNm3DJIBRIL MBENGUE
IRS990/Form990PartVIISectionAGrp/PersonNm4LUCY LAWRENCE
IRS990/Form990PartVIISectionAGrp/PersonNm5RICHARD ROSENBERG
IRS990/Form990PartVIISectionAGrp/PersonNm6SOUSAN URROZ-KOROI
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0180000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt150000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt212000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6SECRETARY
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr02004
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0454055
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt04
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt01504
IRS990/InformationTechnologyGrp/ProgramServicesAmt08522
IRS990/InformationTechnologyGrp/TotalAmt010026
IRS990/InsuranceGrp/ManagementAndGeneralAmt0706
IRS990/InsuranceGrp/ProgramServicesAmt03998
IRS990/InsuranceGrp/TotalAmt04704
IRS990/InvestmentIncomeGrp/ExclusionAmt03504
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt03504
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt04
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt092200
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01952
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01089
IRS990/LandBldgEquipCostOrOtherBssAmt093289
IRS990/LegalDomicileStateCd0CO
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO CONTRIBUTE TO A RAPID INCREASE IN THE ACCESS OF FAMILIES LIVING ON LESS THAN TWO DOLLARS A DAY TO A FULL RANGE OF SAFE, AFFORDABLE, AND EASY TO USE FORMAL FINANCIAL SERVICES, DELIVERED THROUGH A FINANCIAL ECOSYSTEM IN WHICH A VARIETY OF PARTNERS SPECIALIZE IN DIFFERENT PARTS
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt01341490
IRS990/NetAssetsOrFundBalancesEOYAmt0952322
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt01341490
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt0952322
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt03812
IRS990/OccupancyGrp/ProgramServicesAmt021628
IRS990/OccupancyGrp/TotalAmt025440
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt01221
IRS990/OfficeExpensesGrp/TotalAmt01221
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt021909
IRS990/OtherAssetsTotalGrp/EOYAmt017552
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0HONORARIUM
IRS990/OtherExpensesGrp/Desc1OTHER EXPENSES
IRS990/OtherExpensesGrp/Desc2COMMUNICATIONS
IRS990/OtherExpensesGrp/Desc3PROGRAM EXPENSE
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt01229
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt11115
IRS990/OtherExpensesGrp/ProgramServicesAmt0164500
IRS990/OtherExpensesGrp/ProgramServicesAmt17368
IRS990/OtherExpensesGrp/ProgramServicesAmt26316
IRS990/OtherExpensesGrp/ProgramServicesAmt31548
IRS990/OtherExpensesGrp/TotalAmt0164500
IRS990/OtherExpensesGrp/TotalAmt18597
IRS990/OtherExpensesGrp/TotalAmt27431
IRS990/OtherExpensesGrp/TotalAmt31548
IRS990/OtherLiabilitiesGrp/BOYAmt00
IRS990/OtherLiabilitiesGrp/EOYAmt07427
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt08178
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt046339
IRS990/OtherSalariesAndWagesGrp/TotalAmt054517
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt04357
IRS990/PayrollTaxesGrp/ProgramServicesAmt024688
IRS990/PayrollTaxesGrp/TotalAmt029045
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt03802
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt03846
IRS990/PrincipalOfficerNm0ROBERT PECK CHRISTEN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0611600
IRS990/ProgramServiceRevenueGrp/Desc0STUDENT TUITION FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0385837
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0385837
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt0195286
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt024981
IRS990/PYOtherExpensesAmt0368208
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0147900
IRS990/PYRevenuesLessExpensesAmt0-323019
IRS990/PYSalariesCompEmpBnftPaidAmt0322978
IRS990/PYTotalExpensesAmt0691186
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0368167
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0-389168
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0385837
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01389081
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0902982
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt064714
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0195286
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0724974
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0779140
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt01764114
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt03504
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt024981
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt035797
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt027633
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt040232
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt0132147
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt0385837
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt0147900
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt01432673
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt01998724
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt03965134
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt03504
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt024981
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt035797
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt027633
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt040232
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt0132147
IRS990ScheduleA/InvestmentIncomeCYPct00.02250
IRS990ScheduleA/InvestmentIncomePYPct00.01540
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.97750
IRS990ScheduleA/PublicSupportPY509Pct00.98460
IRS990ScheduleA/PublicSupportTotal509Amt05729248
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt00
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0450551
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0343186
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt02157647
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt02777864
IRS990ScheduleA/Total509Grp/TotalAmt05729248
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0454055
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt0368167
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt035797
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt02185280
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt02818096
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt05861395
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd01
IRS990ScheduleD/EquipmentGrp/BookValueAmt01089
IRS990ScheduleD/EquipmentGrp/DepreciationAmt092200
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt093289
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt0843223
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt07427
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0OPERATING LEASE LIABILITY
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt0454055
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01089
IRS990ScheduleD/TotalExpensesPerForm990Amt0843223
IRS990ScheduleD/TotalLiabilityAmt07427
IRS990ScheduleD/TotalRevenuePerForm990Amt0454055
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0454055
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0843223
IRS990ScheduleJ/AnyNonFixedPaymentsInd00
IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd00
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd00
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/InitialContractExceptionInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0180000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt015143
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ROBERT PECK CHRISTEN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0195143
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ROBERT PECK CHRISTEN, PRESIDENT AND CONSUELO MUNOZ ARAYA, VICE PRESIDENT ARE MARRIED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL BOARD MEMBERS RECEIVE A COPY OF FORM 990 BEFORE FILING FOR THEIR REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ALL DIRECTORS AND OFFICERS ARE MONITORED BY THE BOARD OF DIRECTORS FOR ANY POTENTIAL CONFLICTS OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE TREASURER AND PRESIDENT DEVELOP THE COMPENSATION PACKAGE FOR ALL EMPLOYEES BASED UPON RESEARCH AND THE BOARD OF DIRECTORS APPROVES THE COMPENSATION PACKAGES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST AT THEIR OFFICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5CONSULTANTS: PROGRAM SERVICE EXPENSES 243,052. MANAGEMENT AND GENERAL EXPENSES 12,000. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 255,052.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART IX, LINE 11G
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0CO
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt01492552
IRS990/TotalAssetsEOYAmt01023602
IRS990/TotalAssetsGrp/BOYAmt01492552
IRS990/TotalAssetsGrp/EOYAmt01023602
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalContributionsAmt064714
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt071710
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0771513
IRS990/TotalFunctionalExpensesGrp/TotalAmt0843223
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0151062
IRS990/TotalLiabilitiesEOYAmt071280
IRS990/TotalLiabilitiesGrp/BOYAmt0151062
IRS990/TotalLiabilitiesGrp/EOYAmt071280
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01341490
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0952322
IRS990/TotalOtherCompensationAmt024211
IRS990/TotalProgramServiceExpensesAmt0771513
IRS990/TotalProgramServiceRevenueAmt0385837
IRS990/TotalReportableCompFromOrgAmt0242000

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