Civic Intelligence

Partners for Self-Employment Inc.

990 • Fiscal year 2016 • EIN 65-0464173

Jan 01, 2016 to Dec 31, 2016 • Filed on Oct 12, 2017

Organization ProfileWWW.PARTNERSFORSELFEMPLOYMENT.ORG
3000 Biscayne BlvdMiami, FL 33137

(305) 438-1407

Siviq Scores

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

Liabilities / Assets

57th percentile

0.15x

Higher debt load relative to assets than 57% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

68th percentile

0.29x

Higher debt load relative to revenue than 68% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Net Margin

91st percentile

46%

Higher net margin than 91% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

35th percentile

$0

Higher top officer pay than 35% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Asset Growth

89th percentile

38%

Faster asset growth than 89% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

96th percentile

147%

Faster revenue growth than 96% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets57th percentile

Assets

Up

$1,666,524

Up $455,069 (+38%) from 2015

Net Assets

Up

$1,409,170

Up $417,140 (+42%) from 2015

Liabilities

Up

$257,354

Up $37,929 (+17%) from 2015

Revenue And Expenses
Liabilities / Revenue68th percentileNet Margin91st percentile

Revenue

Up

$897,835

Up $534,496 (+147%) from 2015

Expenses

Up

$480,695

Up $40,981 (+9.3%) from 2015

Net Income

Up

$417,140

Up $493,515 (+646%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth89th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $3,238,379Liabilities 2010: $298,696Net Assets 2010: $2,939,6832010Assets 2011: $1,907,919Liabilities 2011: $162,450Net Assets 2011: $1,745,4692011Assets 2012: $1,449,660Liabilities 2012: $247,449Net Assets 2012: $1,202,2112012Assets 2013: $1,373,996Liabilities 2013: $253,706Net Assets 2013: $1,120,2902013Assets 2015: $1,211,455Liabilities 2015: $219,425Net Assets 2015: $992,0302015Assets 2016: $1,666,524Liabilities 2016: $257,354Net Assets 2016: $1,409,1702016Assets 2017: $2,225,428Liabilities 2017: $296,633Net Assets 2017: $1,928,7952017Assets 2018: $2,701,612Liabilities 2018: $350,418Net Assets 2018: $2,351,1942018Assets 2019: $3,066,903Liabilities 2019: $375,677Net Assets 2019: $2,691,2262019Assets 2020: $3,656,855Liabilities 2020: $428,056Net Assets 2020: $3,228,7992020Assets 2021: $4,377,623Liabilities 2021: $457,183Net Assets 2021: $3,920,4402021Assets 2022: $6,468,111Liabilities 2022: $485,637Net Assets 2022: $5,982,4742022Assets 2023: $6,937,704Liabilities 2023: $562,643Net Assets 2023: $6,375,0612023Assets 2024: $7,605,575Liabilities 2024: $560,143Net Assets 2024: $7,045,4322024

Highlighted filing

2016

Assets$1,666,524
Liabilities$257,354
Net Assets$1,409,170
Open 2016 Filing

Operations Trend

Revenue Growth96th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MRevenue 2010: $1,996,155Expenses 2010: $908,308Net Income 2010: $1,087,8472010Revenue 2011: $250,192Expenses 2011: $533,475Net Income 2011: -$283,2832011Revenue 2012: $370,177Expenses 2012: $750,922Net Income 2012: -$380,7452012Revenue 2013: $591,898Expenses 2013: $673,819Net Income 2013: -$81,9212013Revenue 2015: $363,339Expenses 2015: $439,714Net Income 2015: -$76,3752015Revenue 2016: $897,835Expenses 2016: $480,695Net Income 2016: $417,1402016Revenue 2017: $846,817Expenses 2017: $496,600Net Income 2017: $350,2172017Revenue 2018: $856,906Expenses 2018: $434,507Net Income 2018: $422,3992018Revenue 2019: $859,957Expenses 2019: $350,621Net Income 2019: $509,3362019Revenue 2020: $2,731,073Expenses 2020: $2,238,453Net Income 2020: $492,6202020Revenue 2021: $1,203,188Expenses 2021: $358,059Net Income 2021: $845,1292021Revenue 2022: $2,388,147Expenses 2022: $326,113Net Income 2022: $2,062,0342022Revenue 2023: $2,189,773Expenses 2023: $1,773,202Net Income 2023: $416,5712023Revenue 2024: $1,552,409Expenses 2024: $985,296Net Income 2024: $567,1132024

Highlighted filing

2016

Revenue$897,835
Expenses$480,695
Net Income$417,140
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Oct 12, 2017
Return Version
2016v3.0
Gross Receipts
$897,835
Mission and Program Overview

Mission

To promote financial well-being of low to moderate income individuals and families in south florida via financial literacy training and providing opportunities to borrow and save. We strive to be a cost effective provider of financial and training services to our constituents and as a prudent and responsible steward of the funds entrusted to us. Our mission is carried out by an enthusiastic and committed employees and board of directors.

To promote financial well-being of low to moderate income individuals and businesses in south florida via business and financial literacy training and providing opportunities to borrow and save.

Balance Sheet Detail
LineBeginningEndChange
Assets
Pledges and Grants Receivable$635,241$837,957▲ $202,716
Cash and Non-Interest-Bearing Accounts$565,597$818,677▲ $253,080
Prepaid Expenses and Deferred Charges$6,278$6,439▲ $161
Land, Buildings, and Equipment, Net$4,339$3,451▼ $888
Total Assets$1,211,455$1,666,524▲ $455,069
Liabilities
Accounts Payable and Accrued Expenses$145,353$194,394▲ $49,041
Other Liabilities$74,072$62,960▼ $11,112
Total Liabilities$219,425$257,354▲ $37,929
Net Assets / Fund Balance
Unrestricted Net Assets$992,030$1,409,170▲ $417,140
Total Net Assets Fund Balance$992,030$1,409,170▲ $417,140
Total Liabilities and Net Assets / Fund Balance$1,211,455$1,666,524▲ $455,069

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$3,451-$3,451
Compensation and Service Providers
Top Officer Pay35th percentile

Board Members and Trustees

NameTitle
Robert RogersChairman
Ellen Kempler - RosenPresident
Christopher PayneDirector
Mario Ernesto Goderich IiiDirector
Maria CotoExecutive Di
Nadine OlmannSecreatary
Revenue and Support

Revenue Composition

Contributions and Grants
$897,835
Program Service Revenue
$0
Investment Income
$0
Other Revenue
$0
All Other Contributions
$51,513
Change in Net Assets
$417,140

Audited Revenue Reconciliation

Revenue per Audited Statements
$897,835
Total Revenue per Audited Statements
$897,835
Total Revenue per Form 990
$897,835
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$301,885
Salaries, Compensation, and Employee Benefits$178,810
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$47,635$117,047-$164,682
Occupancy$93,458$57,360-$150,818
Fees for Services Other$16,688$16,688-$33,376
Insurance$25,872$6,881-$32,753
Payroll Taxes$4,324$9,804-$14,128
Information Technology$6,306$3,690-$9,996
Office Expenses$2,996$1,325-$4,321
All Other Expenses$545$3,084-$3,629
Other Expenses$3,549$5,684-$3,549
Travel$968$689-$1,657
Advertising$301$151-$452
Total Functional Expenses$232,132$248,563$0$480,695

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$480,695
Total Expenses per Audited Statements$480,695
Total Expenses per Form 990$480,695
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
Secured Line of Credit$62,960
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
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
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

“The form 990 is reviewed by board memebers before it is filed with the irs.”

Form 990, Page 6, Part VI, Line 15A

“The board of directors approve the salary of the management team.”

Form 990, Page 6, Part VI, Line 19

“Documents are made available upon request.”

Filing and Contact Details

Filer

Filer Name
Partners for Self Employment
EIN
65-0464173
Phone
3054381407
Address
3000 BISCAYNE BLVD, MIAMI, FL 33137

Signing Officer

Name
Maria Coto
Title
Executive Director
Phone
3054381407
Signed
2017-10-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Maria Coto
Formed
1993
Legal Domicile
Fl
Voting Board Members
6
Independent Board Members
6
Employees
7
Volunteers
8

Preparer

Firm
Kilgour & Associates
Address
15715 S DIXIE HWY STE 202, MIAMI, FL 33157-1875
Preparer
Marlon Kilgour
Phone
3052337900
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“To promote financial well-being of low to moderate income individuals and families in south florida via financial literacy training and providing opportunities to borrow and save. We strive to be a cost effective provider of financial and training services to our constituents and as a prudent and responsible steward of the funds entrusted to us. Our mission is carried out by an enthusiastic and committed employees and board of directors.”

Form 990, Page 2, Part III, Line 4D

“Matched savings program (ida) - the organization provdes a 2:1 match for each dollar of low and moderate income individuals saves each month toward a first time home purchase or business expansion.”

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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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IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03451
IRS990ScheduleD/ExpensesSubtotalAmt0480695
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt062960
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SECURED LINE OF CREDIT
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IRS990ScheduleD/TotalBookValueLandBuildingsAmt03451
IRS990ScheduleD/TotalExpensesPerForm990Amt0480695
IRS990ScheduleD/TotalLiabilityAmt062960
IRS990ScheduleD/TotalRevenuePerForm990Amt0897835
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0897835
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0480695
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0TO PROMOTE FINANCIAL WELL-BEING OF LOW TO MODERATE INCOME INDIVIDUALS AND FAMILIES IN SOUTH FLORIDA VIA FINANCIAL LITERACY TRAINING AND PROVIDING OPPORTUNITIES TO BORROW AND SAVE. WE STRIVE TO BE A COST EFFECTIVE PROVIDER OF FINANCIAL AND TRAINING SERVICES TO OUR CONSTITUENTS AND AS A PRUDENT AND RESPONSIBLE STEWARD OF THE FUNDS ENTRUSTED TO US. OUR MISSION IS CARRIED OUT BY AN ENTHUSIASTIC AND COMMITTED EMPLOYEES AND BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MATCHED SAVINGS PROGRAM (IDA) - THE ORGANIZATION PROVDES A 2:1 MATCH FOR EACH DOLLAR OF LOW AND MODERATE INCOME INDIVIDUALS SAVES EACH MONTH TOWARD A FIRST TIME HOME PURCHASE OR BUSINESS EXPANSION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE FORM 990 IS REVIEWED BY BOARD MEMEBERS BEFORE IT IS FILED WITH THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS APPROVE THE SALARY OF THE MANAGEMENT TEAM.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4DOCUMENTS ARE MADE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalContributionsAmt0897835
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0248563
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0232132
IRS990/TotalFunctionalExpensesGrp/TotalAmt0480695
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0219425
IRS990/TotalLiabilitiesEOYAmt0257354
IRS990/TotalLiabilitiesGrp/BOYAmt0219425
IRS990/TotalLiabilitiesGrp/EOYAmt0257354
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0992030
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IRS990/TotalProgramServiceExpensesAmt0232132
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0897835
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01211455
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01666524
IRS990/TravelGrp/ManagementAndGeneralAmt0689
IRS990/TravelGrp/ProgramServicesAmt0968
IRS990/TravelGrp/TotalAmt01657
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IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt0992030
IRS990/UnrestrictedNetAssetsGrp/EOYAmt01409170
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03000 BISCAYNE BLVD
IRS990/USAddress/CityNm0MIAMI
IRS990/USAddress/StateAbbreviationCd0FL
IRS990/USAddress/ZIPCd033137
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IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.PARTNERSFORSELFEMPLOYMENT.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MARIA COTO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum03054381407
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-10-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PARTNERS FOR SELF EMPLOYMENT
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0MICRO - BUSINESS USA
ReturnHeader/Filer/BusinessNameControlTxt0PART
ReturnHeader/Filer/EIN0650464173
ReturnHeader/Filer/PhoneNum03054381407
ReturnHeader/Filer/USAddress/AddressLine1Txt03000 BISCAYNE BLVD
ReturnHeader/Filer/USAddress/CityNm0MIAMI
ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
ReturnHeader/Filer/USAddress/ZIPCd033137
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0BF80C523EFDEBA94A69D475634934201FCAF8C0A
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0BF80C523EFDEBA94A69D475634934201FCAF8C0A
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0264384830
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0KILGOUR & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt015715 S DIXIE HWY STE 202
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MIAMI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0331571875
ReturnHeader/PreparerPersonGrp/PhoneNum03052337900
ReturnHeader/PreparerPersonGrp/PreparationDt02017-11-06
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MARLON KILGOUR
ReturnHeader/ReturnTs02017-11-06T10:12:30-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,666,524
Liabilities
$257,354
Net assets
$1,409,170
Revenue
$897,835
Expenses
$480,695
Net income
$417,140
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$7.61$0.56$7.05$1.55$0.99$0.57
2023Detailed filing. Detailed filing data is available for this year.$6.94$0.56$6.38$2.19$1.77$0.42
2022Detailed filing. Detailed filing data is available for this year.$6.47$0.49$5.98$2.39$0.33$2.06
2021Detailed filing. Detailed filing data is available for this year.$4.38$0.46$3.92$1.20$0.36$0.85
2020Detailed filing. Detailed filing data is available for this year.$3.66$0.43$3.23$2.73$2.24$0.49
2019Detailed filing. Detailed filing data is available for this year.$3.07$0.38$2.69$0.86$0.35$0.51
2018Detailed filing. Detailed filing data is available for this year.$2.70$0.35$2.35$0.86$0.43$0.42
2017Detailed filing. Detailed filing data is available for this year.$2.23$0.30$1.93$0.85$0.50$0.35
2016Detailed filing. Detailed filing data is available for this year.$1.67$0.26$1.41$0.90$0.48$0.42
2015Summary only. Only limited summary data is available for this year.$1.21$0.22$0.99$0.36$0.44$0.08
2013Summary only. Only limited summary data is available for this year.$1.37$0.25$1.12$0.59$0.67$0.08
2012Summary only. Only limited summary data is available for this year.$1.45$0.25$1.20$0.37$0.75$0.38
2011Summary only. Only limited summary data is available for this year.$1.91$0.16$1.75$0.25$0.53$0.28
2010Summary only. Only limited summary data is available for this year.$3.24$0.30$2.94$2.00$0.91$1.09