Civic Intelligence

Zidisha Incorporated

990 • Fiscal year 2015 • EIN 80-0494876

Jan 01, 2015 to Dec 31, 2015 • Filed on Dec 16, 2016

Organization Profilewww.zidisha.org
21900 Muirfield Circle Number 104Sterling, VA 20164

(202) 492-6446

Siviq Scores

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

Liabilities / Assets

83rd percentile

0.65x

Higher debt load relative to assets than 83% of similar nonprofits.

2015 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

89th percentile

1.90x

Higher debt load relative to revenue than 89% of similar nonprofits.

2015 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2015

Net Margin

96th percentile

73%

Higher net margin than 96% of similar nonprofits.

2015 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2015

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.

2015 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2015

Asset Growth

89th percentile

42%

Faster asset growth than 89% of similar nonprofits.

2015 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Revenue Growth

96th percentile

158%

Faster revenue growth than 96% of similar nonprofits.

2015 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets83rd percentile

Assets

Up

$1,844,537

Up $543,694 (+42%) from 2014

Net Assets

Up

$654,079

Up $455,295 (+229%) from 2014

Liabilities

Up

$1,190,458

Up $88,399 (+8.0%) from 2014

Revenue And Expenses
Liabilities / Revenue89th percentileNet Margin96th percentile

Revenue

Up

$625,675

Up $382,993 (+158%) from 2014

Expenses

Up

$170,380

Up $5,180 (+3.1%) from 2014

Net Income

Up

$455,295

Up $377,813 (+488%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth89th percentile

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

$3.0M$2.0M$1.0M$0Assets 2011: $100,135Liabilities 2011: $82,4392011Assets 2012: $482,889Liabilities 2012: $452,215Net Assets 2012: $30,6742012Assets 2013: $30,674Liabilities 2013: $0Net Assets 2013: $30,6742013Assets 2014: $1,300,843Liabilities 2014: $1,102,059Net Assets 2014: $198,7842014Assets 2015: $1,844,537Liabilities 2015: $1,190,458Net Assets 2015: $654,0792015Assets 2016: $2,621,856Liabilities 2016: $1,710,082Net Assets 2016: $911,7742016Assets 2017: $2,597,180Liabilities 2017: $1,420,756Net Assets 2017: $1,176,4242017Assets 2018: $0Liabilities 2018: $0Net Assets 2018: $02018

Highlighted filing

2015

Assets$1,844,537
Liabilities$1,190,458
Net Assets$654,079
Open 2015 Filing

Operations Trend

Revenue Growth96th percentile

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

$1.5M$1.0M$500K$0-$500KRevenue 2011: $10,002Expenses 2011: $9,626Net Income 2011: $3762011Revenue 2012: $113,736Expenses 2012: $54,018Net Income 2012: $59,7182012Revenue 2013: $0Expenses 2013: $54,018Net Income 2013: -$54,0182013Revenue 2014: $242,682Expenses 2014: $165,200Net Income 2014: $77,4822014Revenue 2015: $625,675Expenses 2015: $170,380Net Income 2015: $455,2952015Revenue 2016: $354,677Expenses 2016: $136,727Net Income 2016: $217,9502016Revenue 2017: $1,244,784Expenses 2017: $980,134Net Income 2017: $264,6502017Revenue 2018: $231,586Expenses 2018: $428,132Net Income 2018: -$196,5462018

Highlighted filing

2015

Revenue$625,675
Expenses$170,380
Net Income$455,295
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Dec 16, 2016
Return Version
2015v2.1
Gross Receipts
$625,675
Mission and Program Overview

Mission

Poverty alleviation through the provision of microfinance loans in developing countries

We serve highly motivated, responsible individuals in economically marginalized communities worldwide by operating an online person-to-person lending service that allows them ??to raise affordable small loans commensurate with their own performance track records.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$985,564$1,552,412▲ $566,848
Cash and Non-Interest-Bearing Accounts$119,362$158,243▲ $38,881
Savings and Temporary Cash Investments$146,394$81,016▼ $65,378
Other Notes and Loans Receivable, Net$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Land, Buildings, and Equipment, Net$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$1,300,843$1,844,537▲ $543,694
Other Assets Total$49,523$52,866▲ $3,343
Liabilities
Other Liabilities$1,101,408$1,190,458▲ $89,050
Accounts Payable and Accrued Expenses$651$0▼ $651
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$1,102,059$1,190,458▲ $88,399
Net Assets / Fund Balance
Permanently Rstr Net Assets$103,764$422,964▲ $319,200
Unrestricted Net Assets$95,020$231,115▲ $136,095
Temporarily Rstr Net Assets$0$0→ $0
Total Net Assets Fund Balance$198,784$654,079▲ $455,295
Total Liabilities and Net Assets / Fund Balance$1,300,843$1,844,537▲ $543,694
Compensation and Service Providers
Top Officer Pay35th percentile

Board Members and Trustees

NameTitle
John FayTrustee
Ronald ChengTrustee
Revenue and Support

Revenue Composition

Contributions and Grants
$492,066
Program Service Revenue
$133,609
Investment Income
$0
Other Revenue
$0
All Other Contributions
$492,066
Change in Net Assets
$455,295
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$134,380
Salaries, Compensation, and Employee Benefits$36,000
Total Fundraising Expense$1,000
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$36,000$0$0$36,000
Fees for Services Other$29,490$0$0$29,490
Depreciation Depletion$13,078$0$0$13,078
Other Expenses$3,268$0$0$3,268
All Other Expenses$557$0$1,000$1,557
Total Functional Expenses$169,380$0$1,000$170,380
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Amounts uploaded to lending accounts$1,190,458
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Part VI, Section B, Line 11A

“Form 990 will be shared with all governing body members upon filing.”

Part VI, Section B, Line 11B

“Form 990 will be shared with all governing body members upon filing.”

Part VI, Section B, Line 12C

“Each Director shall: a. receive a copy of the conflict of interest policy, b. read and understand the policy, c. agree to comply with the policy, d. understand the Organization is charitable and in order to maintain its federal tax exemption it must engage primarily in activities which accomplish one or more of its tax exempt purposes.”

Part VI, Section B, Line 15

“| Name of the Person:, The process used to establish compensation of the person who served in:|, The year in which this process was last undertaken:| Julia Kurnia, Board of directors consensus, 2015|”

Part VI, Section C, Line 19

“Our governing documents and financial statements are available to the public at Guidestar and upon request. ??”

Filing and Contact Details

Filer

Filer Name
Zidisha Incorporated
EIN
80-0494876
In Care Of
% Julia Kurnia
Phone
2024926446
Address
21900 MUIRFIELD CIRCLE NUMBER 104, Sterling, VA 20164
Doing Business As
Zidisha Incorporated

Signing Officer

Name
Julia Kurnia
Title
Director
Phone
2024926446
Signed
2016-12-16

Organization Details

Principal Officer
Julia Kurnia
Formed
2009
Legal Domicile
Va
Voting Board Members
3
Independent Board Members
3
Employees
0
Volunteers
200
Supplemental Narrative

Additional Explanations

Part IX, line 11G

“| Description:, Amount:| Website development, $29490|”

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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/OtherExpensesGrp/TotalAmt33268
IRS990/OtherLiabilitiesGrp/BOYAmt01101408
IRS990/OtherLiabilitiesGrp/EOYAmt01190458
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt00
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt00
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt00
IRS990/PayrollTaxesGrp/TotalAmt00
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PermanentlyRstrNetAssetsGrp/BOYAmt0103764
IRS990/PermanentlyRstrNetAssetsGrp/EOYAmt0422964
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt00
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0Julia Kurnia
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/Desc0Borrower service fees
IRS990/ProgramServiceRevenueGrp/Desc1Lender service fees
IRS990/ProgramServiceRevenueGrp/Desc2Other activity
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0126272
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt17229
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2108
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0126272
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt17229
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2108
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt0164666
IRS990/PYExcessBenefitTransInd0false
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0103
IRS990/PymtTravelEntrtnmntPubOfclGrp/FundraisingAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ManagementAndGeneralAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ProgramServicesAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0119533
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt077913
IRS990/PYRevenuesLessExpensesAmt077482
IRS990/PYSalariesCompEmpBnftPaidAmt045667
IRS990/PYTotalExpensesAmt0165200
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0242682
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0455295
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RelatedOrganizationsAmt00
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/ReservesMaintainedAmt00
IRS990/RevenueAmt0133609
IRS990/RoyaltiesGrp/FundraisingAmt00
IRS990/RoyaltiesGrp/ManagementAndGeneralAmt00
IRS990/RoyaltiesGrp/ProgramServicesAmt00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0146394
IRS990/SavingsAndTempCashInvstGrp/EOYAmt081016
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0492066
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt0492066
IRS990ScheduleA/InvestmentIncomeCYPct00
IRS990ScheduleA/InvestmentIncomePYPct00.00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct01
IRS990ScheduleA/PublicSupportPY509Pct01.00
IRS990ScheduleA/PublicSupportTotal509Amt0492066
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0492066
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt00
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt00

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,844,537
Liabilities
$1,190,458
Net assets
$654,079
Revenue
$625,675
Expenses
$170,380
Net income
$455,295
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.23$0.43$0.20
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.60$1.42$1.18$1.24$0.98$0.26
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.62$1.71$0.91$0.35$0.14$0.22
2015Detailed filing. Detailed filing data is available for this year.$1.84$1.19$0.65$0.63$0.17$0.46
2014Detailed filing. Detailed filing data is available for this year.$1.30$1.10$0.20$0.24$0.17$0.08
2013Detailed filing. Detailed filing data is available for this year.$0.03$0.00$0.03$0.00$0.05$0.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.48$0.45$0.03$0.11$0.05$0.06
2011Summary only. Only limited summary data is available for this year.$0.10$0.08$0.01$0.01$0.00