Liabilities / Assets
87th percentile
Higher debt load relative to assets than 87% of similar nonprofits.
EIN 54-2096241 • 501(c)3 • New York, NY
Profile
Maloto, Inc. is a non-profit organization dedicated to improving the lives of some of the most vulnerable women and children in northern Malawi by feeding, educating and empowering. Maloto is rooted in the belief that, through access to education and economic development activities, women and children can improve their quality of life and lift themselves out of poverty. We accomplish this by providing financial and technical assistance to three effective local organizations: Kwithu Womens Group (aka Kwithu CBO), Mzuzu International Academy, and Kwithu Kitchen. Together, these organizations provide a continuum of services that can be accessed throughout a beneficiary's lifetime and also provide a holistic solution for health, educational, social and economic needs.Against this landscape, Maloto, meaning "dreams" in the local language, was formed in 2007 by a group of Malawians living in the United States in direct response to the specific challenges facing their communities in northern
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
87th percentile
Higher debt load relative to assets than 87% of similar nonprofits.
Liabilities / Revenue
55th percentile
Higher debt load relative to revenue than 55% of similar nonprofits.
Net Margin
31st percentile
Higher net margin than 31% of similar nonprofits.
Top Officer Pay
Score unavailable
No filing with officer rows is available for this organization yet.
Asset Growth
91st percentile
Faster asset growth than 91% of similar nonprofits.
Revenue Growth
72nd percentile
Faster revenue growth than 72% of similar nonprofits.
Assets
Up$229,079
Up $80,209 (+54%) from 2024
Liabilities
Up$149,162
Up $132,203 (+780%) from 2024
Net Assets
Down$79,917
Down $51,994 (-39%) from 2024
Revenue
Up$1,357,414
Up $256,540 (+23%) from 2024
Expenses
Up$1,409,408
Up $284,899 (+25%) from 2024
Net Income
Down-$51,994
Down $28,359 (-120%) from 2024
Most recent year
2025 • Form 990Detailed filing. Detailed filing data is available for this year.
Maloto's mission is to help families improve their quality of life by developing resources to address their economic, social, health and education needs.
Maloto, Inc. is a non-profit organization dedicated to improving the lives of some of the most vulnerable women and children in northern Malawi by feeding, educating and empowering. Maloto is rooted in the belief that, through access to education and economic development activities, women and children can improve their quality of life and lift themselves out of poverty. We accomplish this by providing financial and technical assistance to three effective local organizations: Kwithu Womens Group (aka Kwithu CBO), Mzuzu International Academy, and Kwithu Kitchen. Together, these organizations provide a continuum of services that can be accessed throughout a beneficiary's lifetime and also provide a holistic solution for health, educational, social and economic needs.Against this landscape, Maloto, meaning "dreams" in the local language, was formed in 2007 by a group of Malawians living in the United States in direct response to the specific challenges facing their communities in northern
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Cash and Non-Interest-Bearing Accounts | $33,679 | $113,172 | ▲ $79,493 |
| Prepaid Expenses and Deferred Charges | $11,750 | $58,125 | ▲ $46,375 |
| Pledges and Grants Receivable | - | $40,319 | - |
| Accounts Receivable | $100,000 | $8,000 | ▼ $92,000 |
| Land, Buildings, and Equipment, Net | $890 | $6,913 | ▲ $6,023 |
| Savings and Temporary Cash Investments | $1 | $0 | ▼ $1 |
| Other Notes and Loans Receivable, Net | - | $0 | - |
| Receivable From Disqualified Prsn | - | $0 | - |
| Receivables From Officers Etc | - | $0 | - |
| Investments Other Securities | - | $0 | - |
| Investments Program Related | - | $0 | - |
| Investments in Publicly Traded Securities | - | $0 | - |
| Intangible Assets | - | $0 | - |
| Inventories for Sale or Use | - | $0 | - |
| Total Assets | $148,870 | $229,079 | ▲ $80,209 |
| Other Assets Total | $2,550 | $2,550 | → $0 |
| Liabilities | |||
| Unsecured Notes Loans Payable | - | $138,454 | - |
| Accounts Payable and Accrued Expenses | $16,958 | $10,707 | ▼ $6,251 |
| Other Liabilities | $1 | $1 | → $0 |
| Total Liabilities | $16,959 | $149,162 | ▲ $132,203 |
| Net Assets / Fund Balance | |||
| Net Assets With Donor Restrictions | $33,968 | $85,504 | ▲ $51,536 |
| Net Assets Without Donor Restrictions | $97,943 | $-5,587 | ▼ $103,530 |
| Total Net Assets Fund Balance | $131,911 | $79,917 | ▼ $51,994 |
| Total Liabilities and Net Assets / Fund Balance | $148,870 | $229,079 | ▲ $80,209 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $6,913 | $12,898 | $19,811 |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Ana Msowoya Keys | President | FT | $92,000 | $92,000 |
| John Keys | COO | FT | $74,000 | $74,000 |
| Name | Title |
|---|---|
| Claire Johnston | Chairman |
| Claire Koshland | Director |
| Daniel Androuin | Director |
| Nelson Chikusa | Director |
| Phlyssa Koshland | Director |
| Rose Allen-taylor | Director |
| Stacey Lauren | Director |
| Victoria Harmon | Director |
| Liza Nugent | Executive Director |
| Elizabeth Bohart | Emeritus |
| Gina Paoloni | Emeritus |
| Meredith Brokaw | Emeritus |
| Andrea Cuvelier | Secretary |
| Jacob Koshland | Treasurer |
| Contribution Type | Contribution Count | Reported Amount | Valuation Method |
|---|---|---|---|
| Securities Publicly Traded | 2 | $251,295 | Fair Market Value (FMV) |
| Total Noncash Contributions | 2 | $251,295 | - |
| Line Item | Amount |
|---|---|
| Other Expenses | $1,120,351 |
| Salaries, Compensation, and Employee Benefits | $289,057 |
| Total Fundraising Expense | $49,629 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Current Officers, Directors, Trustees, and Key Employees | $114,540 | $38,180 | $13,280 | $166,000 |
| Other Employee Benefits | $40,781 | $13,593 | $4,728 | $59,102 |
| Payroll Taxes | $24,819 | $8,273 | $2,878 | $35,970 |
| Other Salaries and Wages | $19,310 | $6,437 | $2,238 | $27,985 |
| Travel | $24,610 | $502 | - | $25,112 |
| Other Expenses | $205,383 | - | $23,095 | $23,095 |
| Occupancy | - | $17,280 | $1,920 | $19,200 |
| Office Expenses | - | $12,673 | $1,408 | $14,081 |
| Fees for Services Accounting | - | $8,732 | - | $8,732 |
| Interest | - | $6,400 | - | $6,400 |
| Insurance | $816 | $3,264 | - | $4,080 |
| All Other Expenses | $360 | $540 | - | $900 |
| Depreciation Depletion | - | $740 | $82 | $822 |
| Total Functional Expenses | $1,243,165 | $116,614 | $49,629 | $1,409,408 |
| Line Item | Amount |
|---|---|
| Total Expenses per Audited Statements | $1,509,408 |
| Expenses per Audited Statements | $1,409,408 |
| Total Expenses per Form 990 | $1,409,408 |
| Expenses Not Reported on Form 990 | $100,000 |
| Region | Activity | Services | Offices | Employees | Spending |
|---|---|---|---|---|---|
| Mzuzu Academy | Grants to Recip in the Region | - | 0 | 0 | $457,937 |
| Kwithu Kitchen | Grants to Recip in the Region | - | 0 | 0 | $365,440 |
| Kwithu Womens Center | Grants to Recip in the Region | - | 0 | 0 | $205,383 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Disqualified Persons | - | $0 | - |
| Receivables from Officers, Directors, Trustees, and Key Employees | - | $0 | - |
| Liability | Amount |
|---|---|
| Rounding | $1 |
“The president and the chief operating officer are married.”
“The organization documents their meetings held two times per year.”
“A draft version of the form 990 is sent to the president, the board chair and the board treasurer who review it and after any changes, approve it filing with the irs.”
“Administrator collects and reports to the Board”
“The form 990 is available on the premises and by mail.”
“A draft version of the form 990 is sent to the president, the board chair and theboard treasurer who review it and after any changes, approve it filing with the irs.”
“Administrator collects and reports to the board”
“The form 990 is available on the premises and by mail”
“President is a paid employee, therefore she is not independent”
“The president and the chief operating officer are married.”
“The organization documents their meetings held two times per year.”
“The draft version of the form 990 is sent to the president who reviews it and after any changes, gives it the board for the review prior to filing with the irs.”
“Maloto, inc. Is a non-profit organization dedicated to improving the lives of some of the most vulnerable women and children in northern malawi by feeding, educating and empowering. Maloto is rooted in the belief that, through access to education andeconomic development activities, women and children can improve their quality of life and lift themselves out of poverty. We accomplish this by providing financial and technical assistance to three effective local organizations: kwithu womens group (aka kwithu cbo), mzuzu international academy, and kwithu kitchen. Together, these organizations provide a continuum of services that can be accessed throughout a beneficiary's lifetime and also provide a holistic solution for health, educational, social and economic needs.against this landscape, maloto, meaning "dreams" in the local language, was formed in 2007 by a group of malawians living in the united states in direct response to the specific challenges facing their communities in northern malawi. These issues ofpoverty, hiv/aids, and lack of educational opportunities called out to them forintervention.”
“Mzuzu international academyin 2003, malotos founder, anna msowoya, and a group of local community leaders innorthern malawi identified the lack of educational opportunities created by thecritical shortage of secondary schools as one of the most urgent challenges in theregion: malawi has lost a generation to hiv/aids and cannot afford to lose anothergeneration due to a lack of education. They raised over $600,000 and, in septemberof 2010, mzuzu international academy was opened with 35 students the firstinternationally accredited school in northern malawi. In 2013, mzuzu internationalacademy expanded to include an international primary school. Currently there are over 375 students attending school at mzuzu academy. At this time, maloto provides a small annual operating subsidy to mzuzu academy, which is primarily supported by tuition and boarding fees. Maloto provides scholarships to over 20 local vulnerable children to attend mzuzu academy. Maloto also provides some funding for capital improvement projects as needed.”
“Kwithu womens group (aka kwithu cbo)kwithu, which translated means "home", was formed in 2005 by an inspiring group ofwomen who came together to provide assistance to the large number of orphans livingin the outskirts of mzuzu, malawi even though they themselves had limited means.the kwithu orphan feeding program was originally conceived to provide hot meals tothese orphaned children at a temporary, make-shift community center consisting of adirt floor and a thatched roof. In 2010, maloto provided funding for constructionof a permanent building to replace this temporary shelter. This new structure hasallowed the group to greatly expand its capacity and feed many more children. Thefeeding program now serves hot, nutritious meals to over 300 children three times aweek. For many of these children, this is the most nutritious food they willreceive all week.kwithu is a dynamic, community-based organization and has greatly expanded itsactivities and its reach. In addition to the feeding program, the group nowoperates a number of other initiatives for vulnerable children and families in thecommunity, including:before- and after-school tutoring and recreation programs for over 270children,an hiv/aids information and education service, which supports more than 60hiv+ children and their families and conducts information and education campaigns inthe broader community,an early childhood education program which provides two full-day learningprograms for 60 children, ages 3-5 years,providing scholarships for over 70 local orphans and vulnerable children toattend local secondary schools and malawian universities, and the development of income-generation projects for women in the community whooften bear the burden of providing for their families alone.the group also owns and operates its own garden, which not only provides food forthe feeding program, but also produces excess produce that is sold in local marketsand given to the neediest of families within the group.”
“In 2010, the 20 women associated with the kwithu womens group, in conjunction withseveral maloto board members, recognized that tomatoes, among the countrys mostimportant natural resources, were not being well-utilized because of the existingagricultural systems limitations. The organization took an entrepreneurial approachto addressing the matter. Leaders of kwithu kitchen brought the women together withthe board members and developed its first commercial product: a naturally preservedwhole tomato product, called garden fresh tomatoes. Responding to consumer demand,kwithu kitchen developed popular chopped tomato and tomato puree products.since 2014, kwithu kitchen has built tomato and honey processing facilities andbuilt relationships with more than 750 small-holder farmers and beekeepers.kwithu kitchen - continuedin 2020, kwithu kitchen received government approval to begin selling honeyproducts. Kk quickly became the countrys largest honey processor and supplier(processing and selling more than 40 tons of honey annually). Kwithu kitchenstomato and honey products can be found in all of the countrys major supermarket andhotel chains.the ultimate goal is to make kwithu kitchen a viable business, which would provideemployment for up to 50 people and a means of regular income for 1,000 small-holderfamers and beekeepers. A portion of kwithu kitchens sales is donated to the kwithuwomens group to support their programs (described above).”
“The draft version of the form 990 is sent to the president who reviews it and afterany changes, gives it the board for the review prior to filing with the irs.”
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/ActivityOrMissionDesc | 0 | Maloto, Inc. is a non-profit organization dedicated to improving the lives of some of the most vulnerable women and children in northern Malawi by feeding, educating and empowering. Maloto is rooted in the belief that, through access to education and economic development activities, women and children can improve their quality of life and lift themselves out of poverty. We accomplish this by providing financial and technical assistance to three effective local organizations: Kwithu Womens Group (aka Kwithu CBO), Mzuzu International Academy, and Kwithu Kitchen. Together, these organizations provide a continuum of services that can be accessed throughout a beneficiary's lifetime and also provide a holistic solution for health, educational, social and economic needs.Against this landscape, Maloto, meaning "dreams" in the local language, was formed in 2007 by a group of Malawians living in the United States in direct response to the specific challenges facing their communities in northern |
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| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 822 |
| IRS990/Desc | 0 | In 2010, the 20 women associated with the Kwithu Womens Group, in conjunction with several Maloto Board Members, recognized that tomatoes, among the countrys most important natural resources, were not being well-utilized because of the existing agricultural systems limitations. The organization took an entrepreneurial approach to addressing the matter. Leaders of Kwithu Kitchen brought the women together with the Board Members and developed its first commercial product: a naturally preserved whole tomato product, called Garden Fresh Tomatoes. Responding to consumer demand, Kwithu Kitchen developed popular Chopped Tomato and Tomato Puree products.Since 2014, Kwithu Kitchen has built tomato and honey processing facilities and built relationships with more than 750 small-holder farmers and beekeepers. Kwithu Kitchen - ContinuedIn 2020, Kwithu Kitchen received government approval to begin selling honey products. KK quickly became the countrys largest honey processor and supplier (processing and selling more than 40 tons of honey annually). Kwithu Kitchens tomato and honey products can be found in all of the countrys major supermarket and hotel chains.The ultimate goal is to make Kwithu Kitchen a viable business, which would provide employment for up to 50 people and a means of regular income for 1,000 small-holder famers and beekeepers. A portion of Kwithu Kitchens sales is donated to the Kwithu Womens Group to support their programs (described above). |
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| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | CLAIRE JOHNSTON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | JACOB KOSHLAND |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | PHLYSSA KOSHLAND |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | NELSON CHIKUSA |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | DANIEL ANDROUIN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | MEREDITH BROKAW |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | ROSE ALLEN-TAYLOR |
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| IRS990/Form990PartVIISectionAGrp/PersonNm | 14 | ANDREA CUVELIER |
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| IRS990/MissionDesc | 0 | Maloto, Inc. is a non-profit organization dedicated to improving the lives of some of the most vulnerable women and children in northern Malawi by feeding, educating and empowering. Maloto is rooted in the belief that, through access to education and economic development activities, women and children can improve their quality of life and lift themselves out of poverty. We accomplish this by providing financial and technical assistance to three effective local organizations: Kwithu Womens Group (aka Kwithu CBO), Mzuzu International Academy, and Kwithu Kitchen. Together, these organizations provide a continuum of services that can be accessed throughout a beneficiary's lifetime and also provide a holistic solution for health, educational, social and economic needs.Against this landscape, Maloto, meaning "dreams" in the local language, was formed in 2007 by a group of Malawians living in the United States in direct response to the specific challenges facing their communities in northern |
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| IRS990/OtherExpensesGrp/Desc | 0 | MZUZU ACADEMY |
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| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Kwithu Womens Group (aka Kwithu CBO)Kwithu, which translated means "home", was formed in 2005 by an inspiring group of women who came together to provide assistance to the large number of orphans living in the outskirts of Mzuzu, Malawi even though they themselves had limited means. The Kwithu Orphan Feeding Program was originally conceived to provide hot meals to these orphaned children at a temporary, make-shift community center consisting of a dirt floor and a thatched roof. In 2010, Maloto provided funding for construction of a permanent building to replace this temporary shelter. This new structure has allowed the group to greatly expand its capacity and feed many more children. The feeding program now serves hot, nutritious meals to over 300 children three times a week. For many of these children, this is the most nutritious food they will receive all week. Kwithu is a dynamic, community-based organization and has greatly expanded its activities and its reach. In addition to the feeding program, the Group now operates a number of other initiatives for vulnerable children and families in the community, including:before- and after-school tutoring and recreation programs for over 270 children, an HIV/AIDS information and education service, which supports more than 60 HIV+ children and their families and conducts information and education campaigns in the broader community,an early childhood education program which provides two full-day learning programs for 60 children, ages 3-5 years, providing scholarships for over 70 local orphans and vulnerable children to attend local secondary schools and Malawian Universities, andthe development of income-generation projects for women in the community who often bear the burden of providing for their families alone.The Group also owns and operates its own garden, which not only provides food for the feeding program, but also produces excess produce that is sold in local markets and given to the neediest of families within the Group. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | Mzuzu International AcademyIn 2003, Malotos founder, Anna Msowoya, and a group of local community leaders in northern Malawi identified the lack of educational opportunities created by the critical shortage of secondary schools as one of the most urgent challenges in the region: Malawi has lost a generation to HIV/AIDS and cannot afford to lose another generation due to a lack of education. They raised over $600,000 and, in September of 2010, Mzuzu International Academy was opened with 35 students the first internationally accredited school in northern Malawi. In 2013, Mzuzu International Academy expanded to include an international primary school. Currently there are over 375 students attending school at Mzuzu Academy. At this time, Maloto provides a small annual operating subsidy to Mzuzu Academy, which is primarily supported by tuition and boarding fees. Maloto provides scholarships to over 20 local vulnerable children to attend Mzuzu Academy. Maloto also provides some funding for capital improvement projects as needed. |
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