Liabilities / Assets
93rd percentile
Higher debt load relative to assets than 93% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.54x
Liabilities / Revenue
94th percentile
Higher debt load relative to revenue than 94% of similar nonprofits.
Net Margin
15th percentile
Higher net margin than 15% of similar nonprofits.
Top Officer Pay
82nd percentile
Higher top officer pay than 82% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
84th percentile
Faster asset growth than 84% of similar nonprofits.
Revenue Growth
14th percentile
Faster revenue growth than 14% of similar nonprofits.
Balance Sheet
Assets
Up$93,371
Up $52,987 (+131%) from 2023
Net Assets
$43,371
No earlier filing loaded for comparison.
Liabilities
Up$50,000
Up $50,000 from 2023
Revenue And Expenses
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
Historical Trend
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
| Description | Grants | Expenses |
|---|---|---|
| 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
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| JOYASREE MAHANTI | President | FT | $0 | - | - |
| NUPUR SETHI | Treasurer | PT | $0 | - | - |
| KAMINI GOWDAA | Secretary | PT | $0 | - | - |
| SEAN DOUGHERTY | Director | PT | $0 | - | - |
| SUCHITRA PATTNAIK | Director | PT | $0 | - | - |
| MRINALI SETHI | Director | PT | $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 |
|---|---|---|
| IRS990EZ/ActivitiesNotPreviouslyRptInd | 0 | false |
| IRS990EZ/BooksInCareOfDetail/PersonNm | 0 | JOYASREE MAHANTI |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 5173379570 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 1210 WHITTIER DRIVE |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | EAST LANSING |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MI |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 48823 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 65897 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 93371 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | false |
| IRS990EZ/ContributionsGiftsGrantsEtcAmt | 0 | 85815 |
| IRS990EZ/DonorAdvisedFndsInd | 0 | false |
| IRS990EZ/EngagedInExcessBenefitTransInd | 0 | false |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | -22526 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 12503 |
| IRS990EZ/FiledScheduleAInd | 0 | true |
| IRS990EZ/ForeignFinancialAccountInd | 0 | false |
| IRS990EZ/ForeignOfficeInd | 0 | false |
| IRS990EZ/Form1120PolFiledInd | 0 | false |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 65897 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 93371 |
| IRS990EZ/GrantsAndSimilarAmountsPaidAmt | 0 | 96200 |
| IRS990EZ/GrossReceiptsAmt | 0 | 86177 |
| IRS990EZ/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/InvestmentIncomeAmt | 0 | 362 |
| IRS990EZ/LobbyingActivitiesInd | 0 | false |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | false |
| IRS990EZ/MethodOfAccountingCashInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | 65897 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 43371 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 65897 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 43371 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 40.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 20.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 20.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 3 | 5.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 4 | 5.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 5 | 10.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | JOYASREE MAHANTI |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | NUPUR SETHI |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | KAMINI GOWDAA |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 3 | SEAN DOUGHERTY |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 4 | SUCHITRA PATTNAIK |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 5 | MRINALI SETHI |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | TREASURER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | SECRETARY |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 4 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 5 | DIRECTOR |
| IRS990EZ/OperateHospitalInd | 0 | false |
| IRS990EZ/Organization501c3Ind | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | false |
| IRS990EZ/OrganizationHadUBIInd | 0 | false |
| IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt | 0 | NONE |
| IRS990EZ/PartVIOfCompOfHghstPdEmplTxt | 0 | NONE |
| IRS990EZ/PoliticalCampaignActyInd | 0 | false |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | 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. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | 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. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ForeignGrantsInd | 0 | X |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt | 0 | 96200 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 108702 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990EZ/SchoolOperatingInd | 0 | false |
| IRS990EZ/StatesWhereCopyOfReturnIsFldCd | 0 | MI |
| IRS990EZ/SubjectToProxyTaxInd | 0 | false |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 50000 |
| IRS990EZ/TanningServicesProvidedInd | 0 | false |
| IRS990EZ/TotalExpensesAmt | 0 | 108703 |
| IRS990EZ/TotalProgramServiceExpensesAmt | 0 | 108702 |
| IRS990EZ/TotalRevenueAmt | 0 | 86177 |
| IRS990EZ/TransactionWithControlEntInd | 0 | false |
| IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd | 0 | false |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | HTTP://WWW.OURBISWASUSA.ORG |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt | 0 | 85815 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt | 0 | 134899 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 118534 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 86428 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 107291 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt | 0 | 532967 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt | 0 | 362 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt | 0 | 164 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt | 0 | 526 |
| IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt | 0 | 4 |
| IRS990ScheduleA/PublicOrganization170Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY170Pct | 0 | 0.99900 |
| IRS990ScheduleA/PublicSupportPY170Pct | 0 | 0.99970 |
| IRS990ScheduleA/PublicSupportTotal170Amt | 0 | 532967 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind | 0 | X |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt | 0 | 85815 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt | 0 | 134899 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 118534 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 86428 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 107291 |
| IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt | 0 | 532967 |
| IRS990ScheduleA/TotalSupportAmt | 0 | 533493 |
| IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorNum | 0 | RESTRICTED |
| 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 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | 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 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | UNSECURED NOTES AND LOANS PAYABLE 0 50,000 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 10 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART II, LINE 26 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990-EZ, PART III |
| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | JOYASREE MAHANTI |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 5173379570 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2026-02-02 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | OUR BISWAS |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | OURB |
| ReturnHeader/Filer/EIN | 0 | 870811973 |
| ReturnHeader/Filer/PhoneNum | 0 | 5173379570 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 6154 GRAEBEAR TR |
| ReturnHeader/Filer/USAddress/CityNm | 0 | EAST LANSING |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MI |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 48823 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 381812127 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | SIMPLIFIED ACCOUNTING & TAX SERVICE INC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 1120 KEYSTONE AVE |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | LANSING |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | MI |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 489115491 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 5178822441 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2026-02-02 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | JULIE L YOUNG CPA |
| ReturnHeader/ReturnTs | 0 | 2026-02-03T14:34:09-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2025-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2025-12-31 |
| ReturnHeader/TaxYr | 0 | 2025 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $93,371
- Liabilities
- $50,000
- Net assets
- $43,371
- Revenue
- $86,177
- Expenses
- $108,703
- Net income
- -$22,526