Civic Intelligence

Senegal Ecovillage Microfinance

990EZ • Fiscal year 2012 • EIN 20-4537642

Jan 01, 2012 to Dec 31, 2012 • Filed on Nov 05, 2013

Organization ProfileWWW.SEM-FUND.ORG
PO Box 62413617-0624
Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on this filing.

Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

2nd percentile

-257%

Higher net margin than 2% of similar nonprofits.

2012 filings • 501(c)3 • <$500k nonprofits • Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

2nd percentile

-96%

Faster asset growth than 2% of similar nonprofits.

2012 filings • 501(c)3 • <$500k nonprofits • Annualized from 2011 to 2012

Revenue Growth

16th percentile

-31%

Faster revenue growth than 16% of similar nonprofits.

2012 filings • 501(c)3 • <$500k nonprofits • Annualized from 2011 to 2012

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$1,837

Down $41,070 (-96%) from 2011

Net Assets

Down

$1,837

Down $35,887 (-95%) from 2011

Liabilities

-

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet Margin2nd percentile

Revenue

Down

$13,956

Down $6,390 (-31%) from 2011

Expenses

Down

$49,843

Down $5,713 (-10%) from 2011

Net Income

Down

-$35,887

Down $677 (-1.9%) from 2011

Historical Trend

Balance Sheet Trend

Asset Growth2nd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$100K$50K$0Assets 2010: $83,325Liabilities 2010: $10,391Net Assets 2010: $72,9342010Assets 2011: $42,907Liabilities 2011: $5,183Net Assets 2011: $37,7242011Assets 2012: $1,837Net Assets 2012: $1,8372012Assets 2014: $1,196Net Assets 2014: $1,1962014

Highlighted filing

2012

Assets$1,837
Liabilities-
Net Assets$1,837
Open 2012 Filing

Operations Trend

Revenue Growth16th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$100K$50K$0-$50KExpenses 2010: $70,7872010Revenue 2011: $20,346Expenses 2011: $55,556Net Income 2011: -$35,2102011Revenue 2012: $13,956Expenses 2012: $49,843Net Income 2012: -$35,8872012Revenue 2014: $12,529Expenses 2014: $13,225Net Income 2014: -$6962014

Highlighted filing

2012

Revenue$13,956
Expenses$49,843
Net Income-$35,887
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Nov 5, 2013
Return Version
2012v2.3
Mission and Program Overview

Mission

The sem fund, or the senegal ecovillage microfinance fund, is dedicated to alleviating poverty by providing affordable business loans aimed at strengthening the business skills and livelihoods of highly motivated microentrepreneurs that lack access to the commercial banking system. The mission is to help break teh cycle of poverty afflicting the people of developing contries.

Filing and Contact Details

Filer

EIN
20-4537642
Raw XML Appendix149 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.

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CompensationExplanation/Compensation/PersonName0NAN GUSLANDER
CompensationExplanation/Compensation/PersonName1JOHN FAY
CompensationExplanation/Compensation/PersonName2JULIA KURNIA
CompensationExplanation/Compensation/PersonName3SHEILA HARRINGTON
IRS990EZ/ActivitiesNotPreviouslyRpt0true
IRS990EZ/CashSavingsAndInvestments/BOY01529
IRS990EZ/CashSavingsAndInvestments/EOY0240
IRS990EZ/ContributionsGiftsGrantsEtc016721
IRS990EZ/CostOtherBasisAndSalesExpenses02765
IRS990EZ/DidOrgFileForm1120POLThisYear0false
IRS990EZ/DoesOrgHaveHospital0false
IRS990EZ/EngagedInExcessBenefitTrans0false
IRS990EZ/EngageInLobbyingActivities0false
IRS990EZ/EngagePoliticalCmpgnActivities0false
IRS990EZ/ExcessOrDeficitForYear0-35887
IRS990EZ/FeesAndOthPymtToIndContractors09227
IRS990EZ/FiledScheduleA0true
IRS990EZ/ForeignFinancialAccount0true
IRS990EZ/ForeignFinancialAccountCountry0SG
IRS990EZ/ForeignOffice0true
IRS990EZ/ForeignOfficeCountry0SG
IRS990EZ/GainOrLossFromSaleOfAssets0-2765
IRS990EZ/GrossReceipts016721
IRS990EZ/InfoInScheduleOPartI0X
IRS990EZ/InfoInScheduleOPartII0X
IRS990EZ/InfoInScheduleOPartIII0X
IRS990EZ/InfoInScheduleOPartV0X
IRS990EZ/MadeChangesToOrgnzngEtcDoc0false
IRS990EZ/MadeLoansToFromOfficers0false
IRS990EZ/MaintainAnyDonorAdvisedFunds0false
IRS990EZ/MethodOfAccountingAccrual0X
IRS990EZ/NetAssetsOrFundBalances/BOY037724
IRS990EZ/NetAssetsOrFundBalancesBOY037724
IRS990EZ/NetAssetsOrFundBalances/EOY01837
IRS990EZ/NetAssetsOrFundBalancesEOY01837
IRS990EZ/OccupancyRentUtilitiesAndMaint04960
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AvgHoursPerWkDevotedToPosition01.00
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AvgHoursPerWkDevotedToPosition13.00
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AvgHoursPerWkDevotedToPosition21.00
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AvgHoursPerWkDevotedToPosition31.00
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IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Compensation10
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Compensation20
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Compensation30
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName0NAN GUSLANDER
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName1JOHN FAY
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName2JULIA KURNIA
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName3SHEILA HARRINGTON
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title0SECRETARY
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title1PRESIDENT
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title2VICE-PRESIDE
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title3US TREASURER
IRS990EZ/OperatingSchool0false
IRS990EZ/Organization501c30X
IRS990EZ/OrganizationDissolvedEtc0false
IRS990EZ/OrganizationHadUBI0false
IRS990EZ/OtherAssetsTotal/BOY041378
IRS990EZ/OtherAssetsTotal/EOY01597
IRS990EZ/OtherExpensesTotal017089
IRS990EZ/PartVIAHghstPaidCntrctProfSer0NONE
IRS990EZ/PartVIOfCompOfHighestPaidEmpl0NONE
IRS990EZ/PrimaryExemptPurpose0THE SEM FUND, OR THE SENEGAL ECOVILLAGE MICROFINANCE FUND, IS DEDICATED TO ALLEVIATING POVERTY BY PROVIDING AFFORDABLE BUSINESS LOANS AIMED AT STRENGTHENING THE BUSINESS SKILLS AND LIVELIHOODS OF HIGHLY MOTIVATED MICROENTREPRENEURS THAT LACK ACCESS TO THE COMMERCIAL BANKING SYSTEM. THE MISSION IS TO HELP BREAK TEH CYCLE OF POVERTY AFFLICTING THE PEOPLE OF DEVELOPING CONTRIES.
IRS990EZ/PrintingPublicationsPostage064
IRS990EZ/ProgramServiceAccomplishment/DescriptionProgramServiceAccom0OFFERING ACCESS TO AFFORDABLE BUSINESS LOANS
IRS990EZ/ProgramServiceAccomplishment/ProgramServiceExpenses049233
IRS990EZ/ProhibitedTaxShelterTrans0false
IRS990EZ/RelatedOrgControlledEntity0false
IRS990EZ/SalariesOtherCompEmplBenefits018503
IRS990EZ/ScheduleBNotRequired0X
IRS990EZ/StatesWhereCopyOfReturnIsFiled0NY
IRS990EZ/SubjectToProxyTax0false
IRS990EZ/SumOfTotalLiabilities/BOY05183
IRS990EZ/TanningServicesProvided0false
IRS990EZ/TheBooksAreInCareOf/AddressUS/AddressLine1012 HILLSIDE DRIVE
IRS990EZ/TheBooksAreInCareOf/AddressUS/City0CANTON
IRS990EZ/TheBooksAreInCareOf/AddressUS/State0NY
IRS990EZ/TheBooksAreInCareOf/AddressUS/ZIPCode013617
IRS990EZ/TheBooksAreInCareOf/NamePerson0SHEILA HARRINGTON
IRS990EZ/TheBooksAreInCareOf/TelephoneNumber03153868674
IRS990EZ/TotalAssets/BOY042907
IRS990EZ/TotalAssets/EOY01837
IRS990EZ/TotalExpenses049843
IRS990EZ/TotalProgramServiceExpenses049233
IRS990EZ/TotalRevenue013956
IRS990EZ/TransactionWithControlEntity0false
IRS990EZ/TrnsfrsExemptNonCharRelatedOrg0false
IRS990EZ/WebSite0WWW.SEM-FUND.ORG
IRS990ScheduleA/AmountsSubstContributorsTotal016218
IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYear016721
IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYearMinus1Year012787
IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYearMinus2Years081083
IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYearMinus3Years065064
IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYearMinus4Years054050
IRS990ScheduleA/GiftsGrantsContribReceived170/Total0229705
IRS990ScheduleA/PubliclySupportedOrg170b1Avi0X
IRS990ScheduleA/PublicSupportPertcentage17000.92940
IRS990ScheduleA/PublicSupportPertcentPriorYear00.83740
IRS990ScheduleA/PublicSupportTotal1700213487
IRS990ScheduleA/ThirtyThreePercntTestsCY1700X
IRS990ScheduleA/Total170/CurrentTaxYear016721
IRS990ScheduleA/Total170/CurrentTaxYearMinus1Year012787
IRS990ScheduleA/Total170/CurrentTaxYearMinus2Years081083
IRS990ScheduleA/Total170/CurrentTaxYearMinus3Years065064
IRS990ScheduleA/Total170/CurrentTaxYearMinus4Years054050
IRS990ScheduleA/Total170/Total0229705
IRS990ScheduleA/TotalSupport0229705
IRS990ScheduleO/GeneralExplanation/Explanation0EXPENSES BANK FEES 874 DUES AND PUBLICATION 24 LICENSE, FEES AND PERMITS 35 REPAIRS AND MAINTENANCE 43 OFFICE EQUIPMENT 26 OTHER 327 TELEPHONE/COMMUNICATION 4,715 TRANSPORTATION 1,922 MEETINGS AND RECEPTIONS 7,680 NON-INVESTMENT DEPRECIATION 1,443 TOTAL 17,089
IRS990ScheduleO/GeneralExplanation/Explanation1TERM NOTES - SENEGAL 36,898 0 LESS ALLOWANCE 1,467 0 NET 35,431 0 14,367 1,475 LESS ACCUMULATED DEPRECIATION 9,843 1,159 2,135 2,135 LESS ACCUMULATED AMORTIZATION 712 854 TOTAL 41,378 1,597
IRS990ScheduleO/GeneralExplanation/Explanation2DUE TO KIVA 5,183 0
IRS990ScheduleO/GeneralExplanation/Explanation3THE SEM FUND, OR THE SENEGAL ECOVILLAGE MICROFINANCE FUND, IS DEDICATED TO ALLEVIATING POVERTY BY PROVIDING AFFORDABLE BUSINESS LOANS AIMED AT STRENGTHENING THE BUSINESS SKILLS AND LIVELIHOODS OF HIGHLY MOTIVATED MICROENTREPRENEURS THAT LACK ACCESS TO THE COMMERCIAL BANKING SYSTEM. THE MISSION IS TO HELP BREAK TEH CYCLE OF POVERTY AFFLICTING THE PEOPLE OF DEVELOPING CONTRIES.
IRS990ScheduleO/GeneralExplanation/Explanation4THE PRIMARY MISSION OF THE ORGANIZATION FOR THE LAST SEVERAL YEARS HAS BEEN TO PROVIDE MICRO LOANS TO INDIVIDUALS IN AN EFFORT TO PROMOTE SUSTAINABLE DEVELOPMENT OPPORTUNITIES BY SUPPORTING SUSTAINABLE BUSINESS INITIATIVES. IN 2012, THAT MISSION EXPANDED BEYOND MICROFINANCE LOANS. SEM WORKS TO COMBAT THE POVERTY TAX, THE PHENOMENON WHEREBY THE POOREST PAY THE MOST FOR BASIC SERVICES THAT ARE ALSO PROVEN TO CAUSE SIGNIFICANT HEALTH PROBLEMS AND ENVIRONMENTAL DEGRADATION. SUCH BASIC SERVICES INCLUDE COOKING FUEL, TRANSPORT, COMMUNICATIONS, LIGHTING AND FINANCIAL SERVICES. SEM BELIEVES THAT THE BEST WAY TO COMBAT POVERTY, WHILE AT THE SAME TIME CREATING WELCOME HEALTH AND ENVIRONMENTAL BENEFITS, IS TO ELIMINATE THE POVERTY TAX. THE SEM ENVIRONMENT DIVISION DESIGNS, IMPLEMENTS AND MANAGES PROJECTS THAT WORK IN PARTNERSHIP WITH LOCAL COMMUNITIES TO ADDRESS ENVIRONMENTAL DEGRADATION IN A SUSTAINABLE MANNER. WE RECOGNIZE THAT POVERTY IS A SIGNIFICANT DRIVER OF ENVIRONMENTAL DEGRADATION AND THEREFORE WORK TOWARDS SOLUTIONS THAT REVERSE POOR LAND USE PRACTICES BY PROVIDING PRACTICAL ALTERNATIVES TO MEET ESSENTIAL NEEDS OF IMPOVERISHED COMMUNITIES THROUGHOUT SENEGAL.
IRS990ScheduleO/GeneralExplanation/Identifier0OTHER EXPENSES
IRS990ScheduleO/GeneralExplanation/Identifier1OTHER ASSETS
IRS990ScheduleO/GeneralExplanation/Identifier2OTHER LIABILITIES
IRS990ScheduleO/GeneralExplanation/Identifier3PRIMARY EXEMPT PURPOSE
IRS990ScheduleO/GeneralExplanation/Identifier4ACTIVITIES NOT PREVIOUSLY REPORTED TO IRS
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990-EZ, PART I, LINE 16
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990-EZ, PART II, LINE 24
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990-EZ, PART II, LINE 26
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990-EZ, PART III
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990-EZ, PART V, LINE 33
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/Filer/EIN0204537642
ReturnHeader/Filer/Name/BusinessNameLine10SENEGAL ECOVILLAGE MICROFINANCE
ReturnHeader/Filer/NameControl0SENE
ReturnHeader/Filer/Phone03153868674
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 624
ReturnHeader/Filer/USAddress/City0CANTON
ReturnHeader/Filer/USAddress/State0NY
ReturnHeader/Filer/USAddress/ZIPCode0136170624
ReturnHeader/Officer/AuthorizeThirdParty0true
ReturnHeader/Officer/DateSigned02013-11-05
ReturnHeader/Officer/Name0SHEILA HARRINGTON
ReturnHeader/Officer/Phone03153868674
ReturnHeader/Officer/Title0TREASURER
ReturnHeader/Preparer/DatePrepared02013-11-06
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10JOHN C PARCELL IV CPA CFE
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine106711 US HIGHWAY 11
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0CANTON
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0NY
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode013617
ReturnHeader/Preparer/Name0JOHN C PARCELL IV CPA
ReturnHeader/Preparer/Phone03152655222
ReturnHeader/Preparer/SelfEmployed0X
ReturnHeader/ReturnType0990EZ
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-11-06T19:35:59-06:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990EZFacts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$1,837
Liabilities
-
Net assets
$1,837
Revenue
$13,956
Expenses
$49,843
Net income
-$35,887
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$1.20$1.20$12.5$13.2$0.70
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.84$1.84$14.0$49.8$35.9
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$42.9$5.18$37.7$20.3$55.6$35.2
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$83.3$10.4$72.9$70.8