Civic Intelligence

Our Biswas

EIN 87-0811973 • 501(c)3 • East Lansing, MI

Profile

Through interest-free nano finance, our biswas seeks to enable marginalized women living in remote villages and urban slums to tackle the many challenges of extreme poverty and to tap into their confidence and ability to empower themselves, their families and their community.

6154 Graebear TrEast Lansing, MI 48823

www.ourbiswasusa.org

Siviq Scores

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

Liabilities / Assets

89th percentile

0.54x

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

501(c)3 • <$500k nonprofits • Source year 2025

Liabilities / Revenue

92nd percentile

0.58x

Higher debt load relative to revenue than 92% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2025

Net Margin

20th percentile

-26%

Higher net margin than 20% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2025

Top Officer Pay

81st percentile

$0

Higher top officer pay than 81% of similar nonprofits.

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

501(c)3 • <$500k nonprofits • Source year 2025

Asset Growth

84th percentile

42%

Faster asset growth than 84% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

24th percentile

-36%

Faster revenue growth than 24% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets89th percentile

Assets

Up

$93,371

Up $52,987 (+131%) from 2023

Liabilities

Up

$50,000

Up $50,000 from 2023

Net Assets

$43,371

No earlier filing loaded for comparison.

Operations
Liabilities / Revenue92nd percentileNet Margin20th percentile

Revenue

Down

$86,177

Down $32,361 (-27%) from 2023

Expenses

Down

$108,703

Down $72,666 (-40%) from 2023

Net Income

Up

-$22,526

Up $40,305 (+64%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth84th percentile

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

$150K$100K$50K$0Assets 2017: $11,054Net Assets 2017: $11,0542017Assets 2018: $12,275Net Assets 2018: $12,2752018Assets 2019: $91,425Net Assets 2019: $91,4252019Assets 2020: $84,662Liabilities 2020: $02020Assets 2021: $58,687Net Assets 2021: $58,6872021Assets 2022: $103,215Net Assets 2022: $103,2152022Assets 2023: $40,384Liabilities 2023: $02023Assets 2025: $93,371Liabilities 2025: $50,000Net Assets 2025: $43,3712025

Highlighted filing

2025

Assets$93,371
Liabilities$50,000
Net Assets$43,371
Open 2025 Filing

Operations Trend

Revenue Growth24th percentile

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

$200K$100K$0-$100KRevenue 2017: $70,813Expenses 2017: $65,127Net Income 2017: $5,6862017Revenue 2018: $53,660Expenses 2018: $52,439Net Income 2018: $1,2212018Revenue 2019: $120,755Expenses 2019: $41,605Net Income 2019: $79,1502019Revenue 2020: $71,353Expenses 2020: $78,116Net Income 2020: -$6,7632020Revenue 2021: $107,291Expenses 2021: $133,266Net Income 2021: -$25,9752021Revenue 2022: $86,428Expenses 2022: $41,900Net Income 2022: $44,5282022Revenue 2023: $118,538Expenses 2023: $181,369Net Income 2023: -$62,8312023Revenue 2025: $86,177Expenses 2025: $108,703Net Income 2025: -$22,5262025

Highlighted filing

2025

Revenue$86,177
Expenses$108,703
Net Income-$22,526
Open 2025 Filing

Filings

Most recent year

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

Open filing
Assets
$93,371
Liabilities
$50,000
Net assets
$43,371
Revenue
$86,177
Expenses
$108,703
Net income
-$22,526
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$0.93$0.50$0.43$0.86$1.09$0.23
2023Summary only. Only limited summary data is available for this year.$0.40$0.00$1.19$1.81$0.63
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.03$1.03$0.86$0.42$0.45
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.59$0.59$1.07$1.33$0.26
2020Summary only. Only limited summary data is available for this year.$0.85$0.00$0.71$0.78$0.07
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.91$0.91$1.21$0.42$0.79
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.12$0.12$0.54$0.52$0.01
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.11$0.11$0.71$0.65$0.06
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 2, 2026
Return Version
2025v4.0
Gross Receipts
$86,177
Mission and Program Overview

Mission

Through interest-free nano finance, our biswas seeks to enable marginalized women living in remote villages and urban slums to tackle the many challenges of extreme poverty and to tap into their confidence and ability to empower themselves, their families and their community.

Program Services

DescriptionGrantsExpenses
TO ASSIST MARGINALIZED WOMEN AND GIRLS, MOSTLY LIVING IN REMOTE AREAS, TO IMPROVE AND SUSTAIN THEIR STANDARDS OF LIVING, AND ACHIVE ECOMONIC EMPOWERMENT THROUGH SMALL INTEREST FREE LOANS.$96,200$108,702
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
JOYASREE MAHANTIPresidentFT$0--
NUPUR SETHITreasurerPT$0--
KAMINI GOWDAASecretaryPT$0--
SEAN DOUGHERTYDirectorPT$0--
SUCHITRA PATTNAIKDirectorPT$0--
MRINALI SETHIDirectorPT$0--
Filing and Contact Details

Filer

Filer Name
Our Biswas
EIN
87-0811973
Phone
5173379570
Address
6154 GRAEBEAR TR, EAST LANSING, MI 48823

Signing Officer

Name
Joyasree Mahanti
Title
President
Phone
5173379570
Signed
2026-02-02
Discuss with paid preparer
Yes

Preparer

Firm
Simplified Accounting & Tax Service Inc
Address
1120 KEYSTONE AVE, LANSING, MI 48911-5491
Preparer
Julie L Young CPA
Phone
5178822441
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 10

“Name: women of mercy initiative cash contribution: 34,200 name: aamara biswas cash contribution: 47,000 name: vermont associates for mexican oppo address: po box 212 weston, vt 05161 cash contribution: 10,000”

Form 990-ez, Part II, Line 26

“Unsecured notes and loans payable 0 50,000”

Form 990-ez, Part III

“Through interest-free nano finance, our biswas seeks to enable marginalized women living in remote villages and urban slums to tackle the many challenges of extreme poverty and to tap into their confidence and ability to empower themselves, their families and their community.”

Raw XML Appendix148 raw XML fields

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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IRS990EZ/BooksInCareOfDetail/PhoneNum05173379570
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt01210 WHITTIER DRIVE
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0EAST LANSING
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
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IRS990EZ/ContributionsGiftsGrantsEtcAmt085815
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IRS990EZ/ExcessOrDeficitForYearAmt0-22526
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IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt065897
IRS990EZ/NetAssetsOrFundBalancesEOYAmt043371
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IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt043371
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt040.00
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt35.00
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt510.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0JOYASREE MAHANTI
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1NUPUR SETHI
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2KAMINI GOWDAA
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3SEAN DOUGHERTY
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5MRINALI SETHI
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5DIRECTOR
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0THROUGH INTEREST-FREE NANO FINANCE, OUR BISWAS SEEKS TO ENABLE MARGINALIZED WOMEN LIVING IN REMOTE VILLAGES AND URBAN SLUMS TO TACKLE THE MANY CHALLENGES OF EXTREME POVERTY AND TO TAP INTO THEIR CONFIDENCE AND ABILITY TO EMPOWER THEMSELVES, THEIR FAMILIES AND THEIR COMMUNITY.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0TO ASSIST MARGINALIZED WOMEN AND GIRLS, MOSTLY LIVING IN REMOTE AREAS, TO IMPROVE AND SUSTAIN THEIR STANDARDS OF LIVING, AND ACHIVE ECOMONIC EMPOWERMENT THROUGH SMALL INTEREST FREE LOANS.
IRS990EZ/ProgramSrvcAccomplishmentGrp/ForeignGrantsInd0X
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt096200
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt0108702
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0MI
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt050000
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt0108703
IRS990EZ/TotalProgramServiceExpensesAmt0108702
IRS990EZ/TotalRevenueAmt086177
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0HTTP://WWW.OURBISWASUSA.ORG
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt085815
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0134899
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0118534
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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0107291
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0532967
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt0362
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt0164
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IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt04
IRS990ScheduleA/PublicOrganization170Ind0X
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IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0532967
IRS990ScheduleA/TotalSupportAmt0533493
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
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IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0NAME: WOMEN OF MERCY INITIATIVE CASH CONTRIBUTION: 34,200 NAME: AAMARA BISWAS CASH CONTRIBUTION: 47,000 NAME: VERMONT ASSOCIATES FOR MEXICAN OPPO ADDRESS: PO BOX 212 WESTON, VT 05161 CASH CONTRIBUTION: 10,000
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1UNSECURED NOTES AND LOANS PAYABLE 0 50,000
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THROUGH INTEREST-FREE NANO FINANCE, OUR BISWAS SEEKS TO ENABLE MARGINALIZED WOMEN LIVING IN REMOTE VILLAGES AND URBAN SLUMS TO TACKLE THE MANY CHALLENGES OF EXTREME POVERTY AND TO TAP INTO THEIR CONFIDENCE AND ABILITY TO EMPOWER THEMSELVES, THEIR FAMILIES AND THEIR COMMUNITY.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 10
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART II, LINE 26
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990-EZ, PART III
ReturnHeader/BuildTS02025-03-06 01:10:19Z
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ReturnHeader/BusinessOfficerGrp/PhoneNum05173379570
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-02-02
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ReturnHeader/Filer/EIN0870811973
ReturnHeader/Filer/PhoneNum05173379570
ReturnHeader/Filer/USAddress/AddressLine1Txt06154 GRAEBEAR TR
ReturnHeader/Filer/USAddress/CityNm0EAST LANSING
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048823
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0381812127
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01120 KEYSTONE AVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0LANSING
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0489115491
ReturnHeader/PreparerPersonGrp/PhoneNum05178822441
ReturnHeader/PreparerPersonGrp/PreparationDt02026-02-02
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JULIE L YOUNG CPA
ReturnHeader/ReturnTs02026-02-03T14:34:09-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

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Assets vs current organization

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