GRAMEEN RESEARCH INC

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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

2007

Legal Domicile

Principal Officer

VIDAR J JORGENSEN

Phone

7819392500

Tax Period

2019-01-01 to 2019-12-31

GRAMEEN RESEARCH INC, founded in 2007, is a micro nonprofit in the Human Services sector that reported $52K in total revenue in fiscal year 2019. Revenue fell 73% from the prior year — a significant decline worth monitoring.

Mission

TO RAISE MONEY FOR AND TO FURTHER THE PRACTICE OF MICROFINANCE LENDING.

Program Service Accomplishments

Program 1

Expenses: $0 Revenue: $52,266

TO RAISE MONEY FOR AND TO FURTHER THE PRACTICE OF MICROLENDING IN THE UNITED STATES AS A MEANS OF ASSISTING THE COUNTRY'S POOR AND PROMOTING ECONOMIC GROWTH.

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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 (2019)

Revenue Breakdown

Contributions & Grants $52,266

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $52,266

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $52,721

TOTAL EXPENSES $52,721

Year-over-Year Comparison

	2019	2018	Change
Revenue	$52,266	$192,796	-0.7%
Expenses	$52,721	$91,248	-0.4%
Net Income	$-455	$101,548	-1.0%

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

N/A

Employees

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
VIDAR J JORGENSEN	PRESIDENT	10.00	Officer Director	$0	$0	$0
VIDAR J JORGENSEN	TREASURER	2.00	Officer Director	$0	$0	$0
VIDAR J JORGENSEN	DIRECTOR	2.00	Officer Director	$0	$0	$0
JILL E HANSON	CLERK	2.00	Officer Director	$0	$0	$0
MUHAMMAD YUNUS	DIRECTOR	2.00	Director	$0	$0	$0
PROFESSOR HI LATIFEE	DIRECTOR	2.00	Director	$0	$0	$0

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	$52,266	$52,721	$111,638	$-455
2018	$192,796	$91,248	$360,010	$101,548