Civic Intelligence

Womens Microfinance Initiative

EIN 26-1384627 • 501(c)3 • Bethesda, MD

Profile

SEE ATTACHMENT 1

8609 Fenway DriveBethesda, MD 20817

www.wmionline.org

Siviq Scores

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

Liabilities / Assets

60th percentile

0.00x

Higher debt load relative to assets than 60% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2022

Liabilities / Revenue

62nd percentile

0.00x

Higher debt load relative to revenue than 62% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2022

Net Margin

70th percentile

15%

Higher net margin than 70% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

72nd percentile

14%

Faster asset growth than 72% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2021 to 2022

Revenue Growth

31st percentile

-21%

Faster revenue growth than 31% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets60th percentile

Assets

Up

$333,550

Up $59,159 (+22%) from 2024

Liabilities

Down

$698

Down $2,714 (-80%) from 2024

Net Assets

Up

$332,852

Up $61,873 (+23%) from 2024

Operations
Liabilities / Revenue62nd percentileNet Margin70th percentile

Revenue

Up

$474,681

Up $220,888 (+87%) from 2024

Expenses

Up

$412,808

Up $167,338 (+68%) from 2024

Net Income

Up

$61,873

Up $53,550 (+643%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth72nd percentile

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

$400K$300K$200K$100K$0Assets 2010: $121,511Liabilities 2010: $356Net Assets 2010: $121,1552010Assets 2011: $126,928Liabilities 2011: $4,145Net Assets 2011: $122,7832011Assets 2012: $207,300Liabilities 2012: $10,846Net Assets 2012: $196,4542012Assets 2013: $147,344Liabilities 2013: $0Net Assets 2013: $147,3442013Assets 2014: $234,498Liabilities 2014: $45,040Net Assets 2014: $189,4582014Assets 2015: $271,591Liabilities 2015: $394Net Assets 2015: $271,1972015Assets 2016: $180,276Liabilities 2016: $142Net Assets 2016: $180,1342016Assets 2017: $178,669Liabilities 2017: $164Net Assets 2017: $178,5052017Assets 2018: $172,186Liabilities 2018: $164Net Assets 2018: $172,0222018Assets 2019: $202,394Liabilities 2019: $2,146Net Assets 2019: $200,2482019Assets 2020: $244,094Liabilities 2020: $684Net Assets 2020: $243,4102020Assets 2021: $292,368Liabilities 2021: $1,095Net Assets 2021: $291,2732021Assets 2022: $332,541Liabilities 2022: $127Net Assets 2022: $332,4142022Assets 2023: $263,572Liabilities 2023: $916Net Assets 2023: $262,6562023Assets 2024: $274,391Liabilities 2024: $3,412Net Assets 2024: $270,9792024Assets 2025: $333,550Liabilities 2025: $698Net Assets 2025: $332,8522025

Highlighted filing

2025

Assets$333,550
Liabilities$698
Net Assets$332,852
Open 2025 Filing

Operations Trend

Revenue Growth31st percentile

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

$600K$400K$200K$0-$200KExpenses 2010: $181,0882010Expenses 2011: $233,2672011Expenses 2012: $240,5552012Revenue 2013: $296,832Expenses 2013: $345,942Net Income 2013: -$49,1102013Revenue 2014: $291,054Expenses 2014: $248,940Net Income 2014: $42,1142014Revenue 2015: $296,356Expenses 2015: $214,617Net Income 2015: $81,7392015Revenue 2016: $176,479Expenses 2016: $267,542Net Income 2016: -$91,0632016Revenue 2017: $159,434Expenses 2017: $161,063Net Income 2017: -$1,6292017Revenue 2018: $157,656Expenses 2018: $164,139Net Income 2018: -$6,4832018Revenue 2019: $215,254Expenses 2019: $187,028Net Income 2019: $28,2262019Revenue 2020: $215,569Expenses 2020: $172,407Net Income 2020: $43,1622020Revenue 2021: $340,319Expenses 2021: $292,456Net Income 2021: $47,8632021Revenue 2022: $268,730Expenses 2022: $227,589Net Income 2022: $41,1412022Revenue 2023: $353,616Expenses 2023: $423,374Net Income 2023: -$69,7582023Revenue 2024: $253,793Expenses 2024: $245,470Net Income 2024: $8,3232024Revenue 2025: $474,681Expenses 2025: $412,808Net Income 2025: $61,8732025

Highlighted filing

2025

Revenue$474,681
Expenses$412,808
Net Income$61,873
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$333,550
Liabilities
$698
Net assets
$332,852
Revenue
$474,681
Expenses
$412,808
Net income
$61,873
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$3.34$0.01$3.33$4.75$4.13$0.62
2024Detailed filing. Detailed filing data is available for this year.$2.74$0.03$2.71$2.54$2.45$0.08
2023Detailed filing. Detailed filing data is available for this year.$2.64$0.01$2.63$3.54$4.23$0.70
2022Detailed filing. Detailed filing data is available for this year.$3.33$0.00$3.32$2.69$2.28$0.41
2021Detailed filing. Detailed filing data is available for this year.$2.92$0.01$2.91$3.40$2.92$0.48
2020Detailed filing. Detailed filing data is available for this year.$2.44$0.01$2.43$2.16$1.72$0.43
2019Detailed filing. Detailed filing data is available for this year.$2.02$0.02$2.00$2.15$1.87$0.28
2018Detailed filing. Detailed filing data is available for this year.$1.72$0.00$1.72$1.58$1.64$0.06
2017Detailed filing. Detailed filing data is available for this year.$1.79$0.00$1.79$1.59$1.61$0.02
2016Detailed filing. Detailed filing data is available for this year.$1.80$0.00$1.80$1.76$2.68$0.91
2015Detailed filing. Detailed filing data is available for this year.$2.72$0.00$2.71$2.96$2.15$0.82
2014Detailed filing. Detailed filing data is available for this year.$2.34$0.45$1.89$2.91$2.49$0.42
2013Detailed filing. Detailed filing data is available for this year.$1.47$0.00$1.47$2.97$3.46$0.49
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.07$0.11$1.96$2.41
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.27$0.04$1.23$2.33
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.22$0.00$1.21$1.81
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 22, 2026
Return Version
2025v4.0
Gross Receipts
$474,681
Mission and Program Overview

Mission

SEE ATTACHMENT 1

SEE SCHEDULE O.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$182,571$209,547▲ $26,976
Savings and Temporary Cash Investments$91,820$122,003▲ $30,183
Prepaid Expenses and Deferred Charges-$2,000-
Total Assets$274,391$333,550▲ $59,159
Liabilities
Accounts Payable and Accrued Expenses$3,412$698▼ $2,714
Total Liabilities$3,412$698▼ $2,714
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$270,979$332,852▲ $61,873
Total Net Assets Fund Balance$270,979$332,852▲ $61,873
Total Liabilities and Net Assets / Fund Balance$274,391$333,550▲ $59,159
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Robyn NietertPresident
Ainsley Morris CohenBoard Member
Ashley Van WaesBoard Member
Beatriz Van Der VossenBoard Member
June KyakobyeBoard Member
Montana MstevensonBoard Member
Deborah SmithTreasurer/acting Secretary
Revenue and Support

Revenue Composition

Contributions and Grants
$474,498
Program Service Revenue
$0
Investment Income
$183
Other Revenue
$0
All Other Contributions
$474,498
Change in Net Assets
$61,873

Audited Revenue Reconciliation

Revenue per Audited Statements
$474,681
Total Revenue per Audited Statements
$474,681
Total Revenue per Form 990
$474,681
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Grants and Similar Amounts Paid$379,950
Other Expenses$32,858
Total Fundraising Expense$1,032
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Foreign Grants$379,950--$379,950
Fees for Services Management$20,735$0$0$20,735
Other Expenses$2,469$234$300$3,003
Travel$2,139$0$0$2,139
Fees for Services Accounting$0$1,760$240$2,000
Insurance$0$1,034$142$1,176
Office Expenses$0$727$99$826
Total Functional Expenses$406,180$5,596$1,032$412,808

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$412,808
Total Expenses per Audited Statements$412,808
Total Expenses per Form 990$412,808
International Activity

International Compliance

Foreign grant records maintained
Yes
Activity in boycott countries
No
Foreign corporation ownership
No
Foreign partnership interest
No
Interest in foreign trust
No
Passive foreign investment company interest
No
Transfers to foreign corporations
No
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Womens Microfinance Initiative
EIN
26-1384627
Phone
3015200865
Address
8609 FENWAY DRIVE, BETHESDA, MD 20817

Signing Officer

Name
Robyn G Nietert
Title
President
Phone
3015200865
Signed
2026-02-22
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robyn G Nietert
Formed
2007
Legal Domicile
Md
Voting Board Members
7
Independent Board Members
7
Employees
0
Volunteers
25

Preparer

Firm
Nanette K Miller CPA Pc
Address
2450 VIRGINIA AVE NW E309, WASHINGTON, DC 20037
Preparer
Nan Miller CPA
Phone
2024637600
Supplemental Narrative

Additional Explanations

Other

“Part iii, line 1, mission statement: wmis mission is to establish village-level loan hubs, administered by local women, to provide capital, training and support to rural women in the lowest income brackets in east africa so that they can engage in income producing activities. Wmis long-term goal is to transition borrowers into mainstream banking services, but with an innovative and unique twist. Wmi harnesses the borrowers combined success in the wmi loan program to command competitive terms, interest rates and convenient access to institutional banking services.”

Other

“PART III, LINE 4(a)- MICROFINANCE LOAN AND TRAINING PROGRAM WMI OPERATES A MICROFINANCE LOAN AND BUSINESS TRAINING PROGRAM IN UGANDA, KENYA AND TANZANIA, THROUGH PARTNERSHIPS WITH REGISTERED VILLAGE-LEVEL WOMENS GROUPS WHO ADMINISTER THE LOAN PROGRAM THROUGH A HUB SYSTEM. THERE ARE A TOTAL OF 6 LOAN HUBS OPOERATING SEPARATE LOAN FACILITIES. IN 2025, THE LOAN PROGRAM ISSUED A TOTAL OF 11,000 LOANS TO OVER 13,000 WOMEN, TOTALING $1,784,939.”

Other

“PART III, LINE 4(b) - BUILDINGS/INFRASTRUCTURE WMI MAKES PERIODIC GRANTS TO SUPPORT COMMUNITY MEETING PLACES AND WMI OFFICE OPERATIONS. IN 2025, GRANTS SUPPORTED THE CONSTRUCTION OF A NEW ONE-STORY OFFICE BUILDING AND LATRINE IN KYEGEGWA, UGANDA, AND FENCING AROUND FOUR MEETING PAVILIONS IN GOMBE, BUDEDA, MUTUFU AND KYIBBOKO, UGANDA.”

Other

“.III, LINE 4(c) - COMMUNITY PROJECTS EACH YEAR WMI FUNDS SMALL PROJECTS THAT PROVIDE THE SPARK OR CATALYST NECESSARY TO FULFILL OUR LARGER MISSION. IN 2025 WMI FUNDED TRAINING PROGRAMS FOR A GIRLS EMPOWERMENT PROGRAM (RUKUNDO); ADULT LITERACY AND HEALTH TRAINING (FGM) IN TANZANIA; MENTAL HEALTH COUNSELING FOR WMI BORROWERS (LEWA, KENYA); MOBILE MEDICAL CLINIC IN TANZANIA; TREE PLANTING TO COUNTER DEFORRESTATION IN SOUTHWEST UGANDA, AN LPG GAS CYLINDER LOAN PROGRAM IN BUSEESA, UGANDA TO TRANSITION BORROWERS FROM FIREWOOD TO CHARCOAL TO SAFE COOKING FUELS, AND A SOLAR/WATER TANK LOAN PROGRAM IN TANZANIA.”

Other

“PART III, LINE 4(d)(1) - INTERN PROGRAM WMI HAS A FORMAL COLLEGE INTERNSHIP PROGRAM FOR TWO MONTHS DURING THE SUMMER IN OUR BETHESDA OFFICE AS WELL AS AT SITE LOCATIONS IN UGANDA, TANZANIA AND KENYA. INTERNS CONTRIBUTE TO THE COST OF THEIR TRAVEL, ROOM AND BOARD WHILE IN-COUNTRY. THEY PROVIDE A VARIETY OF SUPPORT SERVICES FOR THE LOAN PROGRAM WHILE GAINING AN UNDERSTANDING OF NGO WORK. WE ALSO HOST FELLOWS ON A ONE-YEAR BASIS IN UGANDA AND TANZANIA TO ASSIST WITH CAPACITY EXPANSION OF THE LOAN PROGRAM, INCLUDING SYSTEMS OPERATIONS, BUILDING HUMAN CAPACITY, COMPUTER AND TECHNOLOGY SUPPORT, ETC. FELLOWS RECEIVE A SMALL STIPEND FOR THEIR COMMITMENT. IN 2025 WE SUPPORTED ONE FELLOW IN KERATU, TANZANIA, AND OUR COLLEGE INTERN PROGRAM IN BUYOBO, UGANDA.”

Other

“PART III, LINE 4(d)(2) - BORROWER TRAINING AND ADMINISTRATION: WMI SUPPORTS THE COST OF LOAN PROGRAM AND BORROWER TRAINING FOR NEW LOAN HUBS, INCLUDING TRAINERS, MATERIAL, MEALS DURING TRAINING AND AN INITIAL SET OF OFFICE SUPPLIES. IN ADDITION, WMI MAY REIMBURSE CERTAIN LOCAL PURCHASES MADE AT OUR DIRECTION. IN 2025, WMI LAUNCHED AN INITIATIVE TO DIGITIZE LOAN PROCESSING ACROSS ITS UGANDA HUBS.”

Pt VI, Line 11B

“990 is sent to the board via email and comments are sent and any changes are made prior to the filing.”

Pt VI, Line 12C

“Annual updated forms are signed by all board members disclosing any conflicts of interests.”

Form 990, Part III, Line 4D

“Intern program - see schedule o 43314. 33980. 0.”

Financial Statement Notes

Pt XII, Line 4B

“In accordance with financial accounting standards board accounting standards codification 740-10, accounting for uncertainty of income taxes which clarifies the accounting for the recognition and measurement of the benefits of individual tax position in the financial statements, including those non-profit organizations. Tax positions must meet a recognition threshold of more-likely-than-not in order for the benefit of those tax positions to be recognized in the financial statements. Wmi analyzes tax positions taken, including those related to the requirements set forth in irc sec. 501(c) to qualify as tax exempt organization, activities performed by volunteers and board members, the reporting of unrelated business income, and its status as a tax-exempt organization under maryland statute. The organization is not aware of any tax benefits arising from uncertain tax positions and there was no effect on the organizations financial position or changes in net assets as a result of analyzing its tax positions. Years ending on or after december 31, 2021 remain subject to examination by federal and state authorities.”

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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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IRS990/NondeductibleContributionsInd0false
IRS990/OfficeExpensesGrp/FundraisingAmt099
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0727
IRS990/OfficeExpensesGrp/ProgramServicesAmt00
IRS990/OfficeExpensesGrp/TotalAmt0826
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IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherExpensesGrp/Desc0BANK CHARGES
IRS990/OtherExpensesGrp/Desc1SUPPLIES
IRS990/OtherExpensesGrp/Desc2COMMUNICATIONS
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IRS990/OtherExpensesGrp/FundraisingAmt080
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt2171
IRS990/OtherExpensesGrp/FundraisingAmt3300
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0585
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt21256
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt3234
IRS990/OtherExpensesGrp/ProgramServicesAmt0840
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IRS990/OtherExpensesGrp/ProgramServicesAmt20
IRS990/OtherExpensesGrp/ProgramServicesAmt32469
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IRS990/OtherExpensesGrp/TotalAmt21427
IRS990/OtherExpensesGrp/TotalAmt33003
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IRS990/PoliticalCampaignActyInd0false
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IRS990/ProgSrvcAccomActy2Grp/Desc0BUILDINGS/INFRASTRUCTURE - SEE SCHEDULE O.
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IRS990/ProgSrvcAccomActy3Grp/GrantAmt0147025
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt00
IRS990/ProgSrvcAccomActyOtherGrp/Desc0INTERN PROGRAM - SEE SCHEDULE O BORROWER TRAINING AND ADMINISTRATION - SEE SCHEDULE O
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt043314
IRS990/ProgSrvcAccomActyOtherGrp/GrantAmt033980
IRS990/ProgSrvcAccomActyOtherGrp/RevenueAmt00
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IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt01690591
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0IN ACCORDANCE WITH FINANCIAL ACCOUNTING STANDARDS BOARD ACCOUNTING STANDARDS CODIFICATION 740-10, ACCOUNTING FOR UNCERTAINTY OF INCOME TAXES WHICH CLARIFIES THE ACCOUNTING FOR THE RECOGNITION AND MEASUREMENT OF THE BENEFITS OF INDIVIDUAL TAX POSITION IN THE FINANCIAL STATEMENTS, INCLUDING THOSE NON-PROFIT ORGANIZATIONS. TAX POSITIONS MUST MEET A RECOGNITION THRESHOLD OF MORE-LIKELY-THAN-NOT IN ORDER FOR THE BENEFIT OF THOSE TAX POSITIONS TO BE RECOGNIZED IN THE FINANCIAL STATEMENTS. WMI ANALYZES TAX POSITIONS TAKEN, INCLUDING THOSE RELATED TO THE REQUIREMENTS SET FORTH IN IRC SEC. 501(C) TO QUALIFY AS TAX EXEMPT ORGANIZATION, ACTIVITIES PERFORMED BY VOLUNTEERS AND BOARD MEMBERS, THE REPORTING OF UNRELATED BUSINESS INCOME, AND ITS STATUS AS A TAX-EXEMPT ORGANIZATION UNDER MARYLAND STATUTE. THE ORGANIZATION IS NOT AWARE OF ANY TAX BENEFITS ARISING FROM UNCERTAIN TAX POSITIONS AND THERE WAS NO EFFECT ON THE ORGANIZATIONS FINANCIAL POSITION OR CHANGES IN NET ASSETS AS A RESULT OF ANALYZING ITS TAX POSITIONS. YEARS ENDING ON OR AFTER DECEMBER 31, 2021 REMAIN SUBJECT TO EXAMINATION BY FEDERAL AND STATE AUTHORITIES.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt XII, Line 4b
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IRS990ScheduleD/TotalRevenuePerForm990Amt0474681
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IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0412808
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IRS990ScheduleF/ForeignCorpOwnershipInd0false
IRS990ScheduleF/ForeignPartnershipInd0false
IRS990ScheduleF/GrantRecordsMaintainedInd0true
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/CashGrantAmt0379950
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/MannerOfCashDisbursementTxt0WIRE
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/PurposeOfGrantTxt0MICROFINANCE
IRS990ScheduleF/GrantsToOrgOutsideUSGrp/RegionTxt0Sub-Saharan Africa
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IRS990ScheduleF/SupplementalInformationDetail/ExplanationTxt0PART 1 LINE 2 - RECORDS ARE KEPT, ANNUAL SITE VISITS CONDUCTED, MONTHLY REVIEW OF BANK RECORDS, GRANTEE REPORTING, REVIEW OF WEEKLY LOCAL COORDINATOR REPORTS OF PROGRAM AND LOAN ACTIVITY.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PART III, LINE 1, MISSION STATEMENT: WMIS MISSION IS TO ESTABLISH VILLAGE-LEVEL LOAN HUBS, ADMINISTERED BY LOCAL WOMEN, TO PROVIDE CAPITAL, TRAINING AND SUPPORT TO RURAL WOMEN IN THE LOWEST INCOME BRACKETS IN EAST AFRICA SO THAT THEY CAN ENGAGE IN INCOME PRODUCING ACTIVITIES. WMIS LONG-TERM GOAL IS TO TRANSITION BORROWERS INTO MAINSTREAM BANKING SERVICES, BUT WITH AN INNOVATIVE AND UNIQUE TWIST. WMI HARNESSES THE BORROWERS COMBINED SUCCESS IN THE WMI LOAN PROGRAM TO COMMAND COMPETITIVE TERMS, INTEREST RATES AND CONVENIENT ACCESS TO INSTITUTIONAL BANKING SERVICES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1PART III, LINE 4(a)- MICROFINANCE LOAN AND TRAINING PROGRAM WMI OPERATES A MICROFINANCE LOAN AND BUSINESS TRAINING PROGRAM IN UGANDA, KENYA AND TANZANIA, THROUGH PARTNERSHIPS WITH REGISTERED VILLAGE-LEVEL WOMENS GROUPS WHO ADMINISTER THE LOAN PROGRAM THROUGH A HUB SYSTEM. THERE ARE A TOTAL OF 6 LOAN HUBS OPOERATING SEPARATE LOAN FACILITIES. IN 2025, THE LOAN PROGRAM ISSUED A TOTAL OF 11,000 LOANS TO OVER 13,000 WOMEN, TOTALING $1,784,939.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2PART III, LINE 4(b) - BUILDINGS/INFRASTRUCTURE WMI MAKES PERIODIC GRANTS TO SUPPORT COMMUNITY MEETING PLACES AND WMI OFFICE OPERATIONS. IN 2025, GRANTS SUPPORTED THE CONSTRUCTION OF A NEW ONE-STORY OFFICE BUILDING AND LATRINE IN KYEGEGWA, UGANDA, AND FENCING AROUND FOUR MEETING PAVILIONS IN GOMBE, BUDEDA, MUTUFU AND KYIBBOKO, UGANDA.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3.III, LINE 4(c) - COMMUNITY PROJECTS EACH YEAR WMI FUNDS SMALL PROJECTS THAT PROVIDE THE SPARK OR CATALYST NECESSARY TO FULFILL OUR LARGER MISSION. IN 2025 WMI FUNDED TRAINING PROGRAMS FOR A GIRLS EMPOWERMENT PROGRAM (RUKUNDO); ADULT LITERACY AND HEALTH TRAINING (FGM) IN TANZANIA; MENTAL HEALTH COUNSELING FOR WMI BORROWERS (LEWA, KENYA); MOBILE MEDICAL CLINIC IN TANZANIA; TREE PLANTING TO COUNTER DEFORRESTATION IN SOUTHWEST UGANDA, AN LPG GAS CYLINDER LOAN PROGRAM IN BUSEESA, UGANDA TO TRANSITION BORROWERS FROM FIREWOOD TO CHARCOAL TO SAFE COOKING FUELS, AND A SOLAR/WATER TANK LOAN PROGRAM IN TANZANIA.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4PART III, LINE 4(d)(1) - INTERN PROGRAM WMI HAS A FORMAL COLLEGE INTERNSHIP PROGRAM FOR TWO MONTHS DURING THE SUMMER IN OUR BETHESDA OFFICE AS WELL AS AT SITE LOCATIONS IN UGANDA, TANZANIA AND KENYA. INTERNS CONTRIBUTE TO THE COST OF THEIR TRAVEL, ROOM AND BOARD WHILE IN-COUNTRY. THEY PROVIDE A VARIETY OF SUPPORT SERVICES FOR THE LOAN PROGRAM WHILE GAINING AN UNDERSTANDING OF NGO WORK. WE ALSO HOST FELLOWS ON A ONE-YEAR BASIS IN UGANDA AND TANZANIA TO ASSIST WITH CAPACITY EXPANSION OF THE LOAN PROGRAM, INCLUDING SYSTEMS OPERATIONS, BUILDING HUMAN CAPACITY, COMPUTER AND TECHNOLOGY SUPPORT, ETC. FELLOWS RECEIVE A SMALL STIPEND FOR THEIR COMMITMENT. IN 2025 WE SUPPORTED ONE FELLOW IN KERATU, TANZANIA, AND OUR COLLEGE INTERN PROGRAM IN BUYOBO, UGANDA.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5PART III, LINE 4(d)(2) - BORROWER TRAINING AND ADMINISTRATION: WMI SUPPORTS THE COST OF LOAN PROGRAM AND BORROWER TRAINING FOR NEW LOAN HUBS, INCLUDING TRAINERS, MATERIAL, MEALS DURING TRAINING AND AN INITIAL SET OF OFFICE SUPPLIES. IN ADDITION, WMI MAY REIMBURSE CERTAIN LOCAL PURCHASES MADE AT OUR DIRECTION. IN 2025, WMI LAUNCHED AN INITIATIVE TO DIGITIZE LOAN PROCESSING ACROSS ITS UGANDA HUBS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6990 IS SENT TO THE BOARD VIA EMAIL AND COMMENTS ARE SENT AND ANY CHANGES ARE MADE PRIOR TO THE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ANNUAL UPDATED FORMS ARE SIGNED BY ALL BOARD MEMBERS DISCLOSING ANY CONFLICTS OF INTERESTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8INTERN PROGRAM - SEE SCHEDULE O 43314. 33980. 0.
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Other
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Other
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Other
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part III, Line 4d
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
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ReturnHeader/BusinessOfficerGrp/PersonNm0ROBYN G NIETERT
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum03015200865
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-02-22
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0WOMENS MICROFINANCE INITIATIVE
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0421585901
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0NANETTE K MILLER CPA PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt02450 VIRGINIA AVE NW E309

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