Liabilities / Assets
59th percentile
Tied with the lowest-debt nonprofits in its peer group.
EIN 46-5582871 • 501(c)3 • Dallas, TX
Profile
SEE ATTACHED
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
59th percentile
Tied with the lowest-debt nonprofits in its peer group.
Liabilities / Revenue
61st percentile
Tied with the lowest-debt nonprofits in its peer group.
Net Margin
9th percentile
Higher net margin than 9% of similar nonprofits.
Top Officer Pay
Score unavailable
No filing with officer rows is available for this organization yet.
Asset Growth
23rd percentile
Faster asset growth than 23% of similar nonprofits.
Revenue Growth
13th percentile
Faster revenue growth than 13% of similar nonprofits.
Assets
Down$35,770
Down $11,636 (-25%) from 2017
Liabilities
Flat$0
Flat from 2017
Net Assets
Down$35,770
Down $11,636 (-25%) from 2017
Revenue
Down$16,536
Down $233,883 (-93%) from 2017
Expenses
Down$34,280
Down $544,216 (-94%) from 2017
Net Income
Up-$17,744
Up $310,333 (+95%) from 2017
Most recent year
2018 • Form 990Detailed filing. Detailed filing data is available for this year.
| Balance Sheet | Operations | |||||
|---|---|---|---|---|---|---|
| Year | Assets | Liabilities | Net Assets | Revenue | Expenses | Net Income |
| 2018Detailed filing. Detailed filing data is available for this year. | $0.04 | $0.00 | $0.04 | $0.02 | $0.03 | $0.02 |
| 2017Detailed filing. Detailed filing data is available for this year. | $0.05 | $0.00 | $0.05 | $0.25 | $0.58 | $0.33 |
| 2016Summary only. Only limited summary data is available for this year. | $0.38 | $0.00 | $0.38 | $1.01 | $0.64 | $0.38 |
SEE ATTACHED
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Cash and Non-Interest-Bearing Accounts | $53,514 | $35,770 | ▼ $17,744 |
| Total Assets | $53,514 | $35,770 | ▼ $17,744 |
| Liabilities | |||
| Total Liabilities | $0 | $0 | → $0 |
| Net Assets / Fund Balance | |||
| Unrestricted Net Assets | $53,514 | $35,770 | ▼ $17,744 |
| Total Net Assets Fund Balance | $53,514 | $35,770 | ▼ $17,744 |
| Total Liabilities and Net Assets / Fund Balance | $53,514 | $35,770 | ▼ $17,744 |
| Name | Title |
|---|---|
| Ami Doshi | Board Member |
| Binaka Sankaran | Board Member |
| Devashish Saxena | Board Member |
| Jainik Shah | Board Member |
| Maya Jhangiani | Board Member |
| Renu Saxena | Board Member |
| Shanthi Rajaram | Board Member |
| Line Item | Amount |
|---|---|
| Grants and Similar Amounts Paid | $25,000 |
| Other Expenses | $9,280 |
| Total Fundraising Expense | $310 |
| Professional Fundraising Fees | $0 |
| Salaries, Compensation, and Employee Benefits | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Grants to Domestic Orgs | $25,000 | - | - | $25,000 |
| Information Technology | - | $3,283 | - | $3,283 |
| Fees for Services Other | - | $2,124 | $310 | $2,434 |
| Fees for Services Accounting | - | $1,846 | - | $1,846 |
| Advertising | - | $1,374 | - | $1,374 |
| Office Expenses | - | $343 | - | $343 |
| Total Functional Expenses | $25,000 | $8,970 | $310 | $34,280 |
| Recipient | Location | Category | Purpose | Amount |
|---|---|---|---|---|
| Just Community | Austin, TX | 501(c)(3) | Provide Capital Need | $25,000 |
| Line Item | Amount |
|---|---|
| Fundraising Direct Expenses | $19,671 |
| Fundraising Gross Income | $0 |
| Professional Fundraising Fees | $0 |
| Event | Gross Receipts | Gross Revenue | Direct Expenses | Net Income |
|---|---|---|---|---|
| Annual Event | $36,207 | - | $5,671 | - |
| Total Events | $36,207 | - | $19,671 | $-19,671 |
“An electronic copy of the irs form 990 is provided to the chairman of the board prior to filing to ensure the accuracy and completeness of the information presented to the public regarding mission, program, activities, financials and governance. After the initial review by the chairman, an electronic copy of the form 990 is shared to the rest of the board members for review, modifications and vote. All final changes are incorporated into the form 990 and filed with the irs. Documentation of the review is recorded in meeting minutes.”
“Officers, directors or trustees, and key employees are required to announce any conflict at annual board meetings and all issues are included in meeting minutes. The conflict of interest policy is reviewed and signed by board members annually.”
“The organization makes its governing documents, conflict of interest policy and financial statements available to the public upon request.”
“To support progress through opportunity, not charity. We support innovative and scalable financial inclusion and affordable microloan programs in india and here in dallas.”
“Our mission, inspired by the following 2015 un sustainable development goals, is to support progress through opportunity, not charity. We support innovative and scalable financial inclusion and affordable microloan programs in india and here in dallas to create opportunities for low-income communities, minority women, to live self-sufficient, healthier, and more engaged lives. Through strategic partnerships, our mission is to reduce vulnerability to financial disruption through self-employment and increase community engagement through leadership and business training. In 2018, opportunity plus added another texas based organization into their list of grantees. Their mission is to invest in low income female entrepreneurs in america to create more resilient and to change the narrative around how low income communities can become their own change agents. Their loans are based exclusively on trust, not a credit score. Just has developed a process innovation on global microfinance designed for entrepreneurs in the us. Their model is entrepreneur led, and at the center of the just model is the jeta just entrepreneur trust agent. These women are role models, facilitators, and community makers who invite other entrepreneurs into the just program. A 100% mobile solution, just leverages technology to automate business processes, increase transparency for all stakeholders, and deliver a delightful experience for their clients. They make small loans to entrepreneurs to start or grow their businesses, starting at $750 all based on trust and create simple frameworks to foster peer-to-peer learning with a focus on goal setting and financial literacy. The loans are invested in their businesses, the entrepreneurs set smart goals and their education programs are designed to create life-long learners. The group financial coaching increases their money awareness while savings goals are set individually with group support. Moreover, weekly loan repayments build credit discipline. Their small weekly group meetings create accountability while their large just gatherings offer inspiration. The just benefit network provides incentives for positive actions. Opportunity plus has made a commitment to provide $75,000 total over 3 years to build up their base here in dallas. We're proud to be supporting this program in dallas, along with our fellow founding founders. Founders: united way dallas embrey family foundation sapphire foundation opportunityplus hirsch family foundation harold simmons foundation the craig and kathryn hall foundation jpmorgan chase foundation former members of chiapas international”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
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| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | SEE ATTACHED |
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| IRS990/AdvertisingGrp/TotalAmt | 0 | 1374 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
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| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 9172137368 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 5600 WEST LOVERS LANE STE 116-263 |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | DALLAS |
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| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 35770 |
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| IRS990/CYOtherRevenueAmt | 0 | -19671 |
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| IRS990/CYRevenuesLessExpensesAmt | 0 | -17744 |
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| IRS990/CYTotalExpensesAmt | 0 | 34280 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 310 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 16536 |
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| IRS990/Desc | 0 | EMPOWHER: FINANCIAL INCLUSION FOR DALLAS WOMEN PILOT PROGRAM |
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| IRS990/DonorAdvisedFundInd | 0 | 0 |
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| IRS990/ExpenseAmt | 0 | 25000 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
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| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 1846 |
| IRS990/FeesForServicesOtherGrp/FundraisingAmt | 0 | 310 |
| IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt | 0 | 2124 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 2434 |
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| IRS990/ForeignFinancialAccountInd | 0 | 0 |
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| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
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| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
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| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
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| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | RENU SAXENA |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | JAINIK SHAH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | DEVASHISH SAXENA |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | AMI DOSHI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | BINAKA SANKARAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | SHANTHI RAJARAM |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | BOARD MEMBER |
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| IRS990/FormationYr | 0 | 2014 |
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| IRS990/GoverningBodyVotingMembersCnt | 0 | 6 |
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| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 25000 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 1 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 36207 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 6 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt | 0 | 3283 |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 3283 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 0 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LegalDomicileStateCd | 0 | TX |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LobbyingActivitiesInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 0 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | SEE ATTACHED |
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| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
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| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 35770 |
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| IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt | 0 | -19671 |
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| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 343 |
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| IRS990/Organization501c3Ind | 0 | X |
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| IRS990/OwnWebsiteInd | 0 | X |
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| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrincipalOfficerNm | 0 | AMI DOSHI |
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| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
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| IRS990/PYExcessBenefitTransInd | 0 | 0 |
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| IRS990/PYOtherExpensesAmt | 0 | 10227 |
| IRS990/PYOtherRevenueAmt | 0 | -8746 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 0 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 6108 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 0 |
| IRS990/PYTotalExpensesAmt | 0 | 35580 |
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| IRS990/PYTotalRevenueAmt | 0 | 41688 |
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| IRS990/ReconcilationRevenueExpnssAmt | 0 | -17744 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
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| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 1024117 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 0 |
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| IRS990ScheduleA/PublicOrganization170Ind | 0 | X |
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| IRS990ScheduleA/SubstantialContributorsTotAmt | 0 | 777538 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt | 0 | 36207 |
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| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 272471 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 1024117 |
| IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt | 0 | 1383228 |
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| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine2 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt | 0 | RESTRICTED |
| IRS990/ScheduleBRequiredInd | 0 | 1 |
| IRS990ScheduleG/FundraisingEventInformationGrp/CharitableContributionsTotAmt | 0 | 36207 |
| IRS990ScheduleG/FundraisingEventInformationGrp/CharitableContriEvent1Amt | 0 | 36207 |
| IRS990ScheduleG/FundraisingEventInformationGrp/DirectExpenseSummaryEventsAmt | 0 | 19671 |
| IRS990ScheduleG/FundraisingEventInformationGrp/EntertainmentEvent1Amt | 0 | 1000 |
| IRS990ScheduleG/FundraisingEventInformationGrp/EntertainmentTotalEventsAmt | 0 | 1000 |
| IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm | 0 | ANNUAL EVENT |
| IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageEvent1Amt | 0 | 12000 |
| IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageTotalEventsAmt | 0 | 12000 |
| IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent1Amt | 0 | 36207 |
| IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsTotalAmt | 0 | 36207 |
| IRS990ScheduleG/FundraisingEventInformationGrp/NetIncomeSummaryAmt | 0 | -19671 |
| IRS990ScheduleG/FundraisingEventInformationGrp/OthDirectExpnssTotalEventsAmt | 0 | 5671 |
| IRS990ScheduleG/FundraisingEventInformationGrp/OtherDirectExpensesEvent1Amt | 0 | 5671 |
| IRS990ScheduleG/FundraisingEventInformationGrp/RentFacilityCostsEvent1Amt | 0 | 1000 |
| IRS990ScheduleG/FundraisingEventInformationGrp/RentFcltyCostsTotalEventsAmt | 0 | 1000 |
| IRS990ScheduleI/GrantRecordsMaintainedInd | 0 | 1 |
| IRS990ScheduleI/RecipientTable/CashGrantAmt | 0 | 25000 |
| IRS990ScheduleI/RecipientTable/IRCSectionDesc | 0 | 501(C)(3) |
| IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt | 0 | PROVIDE CAPITAL NEED |
| IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt | 0 | JUST COMMUNITY |
| IRS990ScheduleI/RecipientTable/RecipientEIN | 0 | 811447315 |
| IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt | 0 | 1000 RIO GRANDE ST |
| IRS990ScheduleI/RecipientTable/USAddress/CityNm | 0 | AUSTIN |
| IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd | 0 | TX |
| IRS990ScheduleI/RecipientTable/USAddress/ZIPCd | 0 | 78701 |
| IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt | 0 | THE PROGRAM WILL MEASURE SUCCESS THROUGH THE IMPACT OF OUR CLIENTS AND WILL TRACK FINANCIAL PROGRESS AT BOTH THE PERSONAL AND BUSINESS LEVELS. METRICS TRACKED WILL INCLUDE JOB RETENTION AND CREATION, EDUCATIONAL ATTAINMENT, FINANCIAL GROWTH OF OUR CLIENTS, CREDIT IMPROVEMENT, AND THE IMPACT OF OUR CLIENTS AND THE SERVICES THEY PROVIDE. WE WILL MAINTAIN REGULAR COMMUNICATION WITH THE COHORT TO DETERMINE FINANCIAL LITERACY AND SMALL BUSINESS EXPANSION AS A DIRECT RESULT OF OUR PROGRAMS AND SERVICES. POST-CURRICULUM ASSESSMENTS AND SURVEYS WILL INFORM OUR TEAM OF PARTICIPANT RETENTION OF INFORMATION AND SENTIMENTS REGARDING OUR COURSE OFFERINGS. THE PROGRAM WILL ACCURATELY TRACK JOB CREATION AND JOB SUSTAINMENT DATA AND PROVIDE CUSTOM REPORTS OF OUR IMPACT. WE WILL ALSO TRACK AND DOCUMENT EACH COHORT PARTICIPANTS STORIES, CHALLENGES AND SUCCESSES.INCLUDING SELF-EVALUATIONS OF INFORMATION LEARNED. |
| IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART I, LINE 2: |
| IRS990ScheduleI/Total501c3OrgCnt | 0 | 1 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | TO SUPPORT PROGRESS THROUGH OPPORTUNITY, NOT CHARITY. WE SUPPORT INNOVATIVE AND SCALABLE FINANCIAL INCLUSION AND AFFORDABLE MICROLOAN PROGRAMS IN INDIA AND HERE IN DALLAS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | OUR MISSION, INSPIRED BY THE FOLLOWING 2015 UN SUSTAINABLE DEVELOPMENT GOALS, IS TO SUPPORT PROGRESS THROUGH OPPORTUNITY, NOT CHARITY. WE SUPPORT INNOVATIVE AND SCALABLE FINANCIAL INCLUSION AND AFFORDABLE MICROLOAN PROGRAMS IN INDIA AND HERE IN DALLAS TO CREATE OPPORTUNITIES FOR LOW-INCOME COMMUNITIES, MINORITY WOMEN, TO LIVE SELF-SUFFICIENT, HEALTHIER, AND MORE ENGAGED LIVES. THROUGH STRATEGIC PARTNERSHIPS, OUR MISSION IS TO REDUCE VULNERABILITY TO FINANCIAL DISRUPTION THROUGH SELF-EMPLOYMENT AND INCREASE COMMUNITY ENGAGEMENT THROUGH LEADERSHIP AND BUSINESS TRAINING. IN 2018, OPPORTUNITY PLUS ADDED ANOTHER TEXAS BASED ORGANIZATION INTO THEIR LIST OF GRANTEES. THEIR MISSION IS TO INVEST IN LOW INCOME FEMALE ENTREPRENEURS IN AMERICA TO CREATE MORE RESILIENT AND TO CHANGE THE NARRATIVE AROUND HOW LOW INCOME COMMUNITIES CAN BECOME THEIR OWN CHANGE AGENTS. THEIR LOANS ARE BASED EXCLUSIVELY ON TRUST, NOT A CREDIT SCORE. JUST HAS DEVELOPED A PROCESS INNOVATION ON GLOBAL MICROFINANCE DESIGNED FOR ENTREPRENEURS IN THE US. THEIR MODEL IS ENTREPRENEUR LED, AND AT THE CENTER OF THE JUST MODEL IS THE JETA JUST ENTREPRENEUR TRUST AGENT. THESE WOMEN ARE ROLE MODELS, FACILITATORS, AND COMMUNITY MAKERS WHO INVITE OTHER ENTREPRENEURS INTO THE JUST PROGRAM. A 100% MOBILE SOLUTION, JUST LEVERAGES TECHNOLOGY TO AUTOMATE BUSINESS PROCESSES, INCREASE TRANSPARENCY FOR ALL STAKEHOLDERS, AND DELIVER A DELIGHTFUL EXPERIENCE FOR THEIR CLIENTS. THEY MAKE SMALL LOANS TO ENTREPRENEURS TO START OR GROW THEIR BUSINESSES, STARTING AT $750 ALL BASED ON TRUST AND CREATE SIMPLE FRAMEWORKS TO FOSTER PEER-TO-PEER LEARNING WITH A FOCUS ON GOAL SETTING AND FINANCIAL LITERACY. THE LOANS ARE INVESTED IN THEIR BUSINESSES, THE ENTREPRENEURS SET SMART GOALS AND THEIR EDUCATION PROGRAMS ARE DESIGNED TO CREATE LIFE-LONG LEARNERS. THE GROUP FINANCIAL COACHING INCREASES THEIR MONEY AWARENESS WHILE SAVINGS GOALS ARE SET INDIVIDUALLY WITH GROUP SUPPORT. MOREOVER, WEEKLY LOAN REPAYMENTS BUILD CREDIT DISCIPLINE. THEIR SMALL WEEKLY GROUP MEETINGS CREATE ACCOUNTABILITY WHILE THEIR LARGE JUST GATHERINGS OFFER INSPIRATION. THE JUST BENEFIT NETWORK PROVIDES INCENTIVES FOR POSITIVE ACTIONS. OPPORTUNITY PLUS HAS MADE A COMMITMENT TO PROVIDE $75,000 TOTAL OVER 3 YEARS TO BUILD UP THEIR BASE HERE IN DALLAS. WE'RE PROUD TO BE SUPPORTING THIS PROGRAM IN DALLAS, ALONG WITH OUR FELLOW FOUNDING FOUNDERS. FOUNDERS: UNITED WAY DALLAS EMBREY FAMILY FOUNDATION SAPPHIRE FOUNDATION OPPORTUNITYPLUS HIRSCH FAMILY FOUNDATION HAROLD SIMMONS FOUNDATION THE CRAIG AND KATHRYN HALL FOUNDATION JPMORGAN CHASE FOUNDATION FORMER MEMBERS OF CHIAPAS INTERNATIONAL |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | AN ELECTRONIC COPY OF THE IRS FORM 990 IS PROVIDED TO THE CHAIRMAN OF THE BOARD PRIOR TO FILING TO ENSURE THE ACCURACY AND COMPLETENESS OF THE INFORMATION PRESENTED TO THE PUBLIC REGARDING MISSION, PROGRAM, ACTIVITIES, FINANCIALS AND GOVERNANCE. AFTER THE INITIAL REVIEW BY THE CHAIRMAN, AN ELECTRONIC COPY OF THE FORM 990 IS SHARED TO THE REST OF THE BOARD MEMBERS FOR REVIEW, MODIFICATIONS AND VOTE. ALL FINAL CHANGES ARE INCORPORATED INTO THE FORM 990 AND FILED WITH THE IRS. DOCUMENTATION OF THE REVIEW IS RECORDED IN MEETING MINUTES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | OFFICERS, DIRECTORS OR TRUSTEES, AND KEY EMPLOYEES ARE REQUIRED TO ANNOUNCE ANY CONFLICT AT ANNUAL BOARD MEETINGS AND ALL ISSUES ARE INCLUDED IN MEETING MINUTES. THE CONFLICT OF INTEREST POLICY IS REVIEWED AND SIGNED BY BOARD MEMBERS ANNUALLY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. |
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| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART III, LINE 1 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION B, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION C, LINE 19 |
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