SOUTH INDIA TERM ABROAD ASSOCIATION

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2006

Legal Domicile

Principal Officer

CONNIE ETTER

Phone

2023555964

Tax Period

2018-07-01 to 2019-06-30

SOUTH INDIA TERM ABROAD ASSOCIATION, founded in 2006, is a micro nonprofit that reported $896 in total revenue in fiscal year 2018. Revenue fell 99% from the prior year — a significant decline worth monitoring. Expenses of $34K exceeded revenue, resulting in a 3728% operating deficit.

Mission

TO FACILITATE A RESPECTFUL AND RECIPROCAL ENCOUNTER BETWEEN UNITED STATES COLLEGE STUDENTS AND THE CONTEMPORARY CULTURES AND PEOPLES OF SOUTH INDIA.

Program Service Accomplishments

Program 1

Expenses: $7,002 Revenue: $45

TO PROVIDE MEMBER SCHOOOL STUDENTS WITH AN ACADEMICALLY RIGOROUS AND CULTURALLY STIMULATING STUDY ABROAD EXPERIENCE, TO ENHANCE THE ASIAN STUDIES OFFERINGS IN MEMBER SCHOOL CURRICULA, AND TO FOSTER GREATER CROSS-CULTURAL UNDERSTANDING BY PROMOTING AN EXCHANGE OF IDEAS ON BOTH SCHOLARLY AND PERSONAL LEVELS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $851

Other Revenue $45

TOTAL REVENUE $896

Expense Breakdown

Grants Paid $0

Salaries & Benefits $15,738

Fundraising Expenses $0

Program Expenses $7,002

Other Expenses $18,560

TOTAL EXPENSES $34,298

Year-over-Year Comparison

	2018	2017	Change
Revenue	$896	$78,326	-1.0%
Expenses	$34,298	$331,982	-0.9%
Net Income	$-33,402	$-253,656	-0.9%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$9,503

Total Directors

$6,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SARA DICKEY	BOARD CHAIR	0.80	Director	$4,000	$0	$4,000
NALINI BHUSHAN	DIRECTOR	0.60	Director	$0	$0	$0
TIM DOBE	DIRECTOR	0.60	Director	$0	$0	$0
STEVE KEMPER	DIRECTOR	0.60	Director	$0	$0	$0
PREMA SAMUEL	SECRETARY	0.60	Director	$0	$0	$0
ADRIAN BEAULIEU	ADVISOR	0.60	Director	$2,000	$0	$2,000
ELIZABETH CHACKO	DIRECTOR	0.60	Director	$0	$0	$0
LAURIE MCMILLIN	DIRECTOR	0.60	Director	$0	$0	$0
JASON CARBINE	DIRECTOR	0.60	Director	$0	$0	$0
CONNIE ETTER	EXECUTIVE DIRECTOR	40.00	Officer	$9,503	$0	$9,503

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2019	$896	$34,298	No data	$-33,402
2018	$78,326	$331,982	$246,780	$-253,656