MICROLOAN FOUNDATION USA

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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

2008

Legal Domicile

Principal Officer

STEVEN MARK

Phone

6178165637

Tax Period

2023-01-01 to 2023-12-31

MICROLOAN FOUNDATION USA, founded in 2008, is a small nonprofit in the International Affairs sector that reported $109K in total revenue in fiscal year 2023. Revenue fell 31% from the prior year — a significant decline worth monitoring.

Mission

THE MICROLOAN FOUNDATION IS AN INTERNATIONAL DEVELOPMENT ORGANIZATION THAT REDUCES POVERTY AND INEQUALITY BY PROVIDING MICROFINANCE SERVICES TO IMPOVERISHED WOMEN LIVING IN REMOTE RURAL AREAS IN SUB-SAHARAN AFRICAN COUNTRIES. MLF USA IS THE US FUNDRAISING ARM OF THESE PURPOSES.

Program Service Accomplishments

Program 1

MLF USA PROVIDED FUNDS FOR BUSINESS EDUCATION AND TRAINING TO SMALL GROUPS OF WOMEN AS A PREREQUISITE TO RECEIPT OF A MICROLOAN. THE TRAINING PROVIDES WOMEN IN SUB-SAHARAN AFRICAN COUNTRIES WITH...

MLF USA PROVIDED FUNDS FOR BUSINESS EDUCATION AND TRAINING TO SMALL GROUPS OF WOMEN AS A PREREQUISITE TO RECEIPT OF A MICROLOAN. THE TRAINING PROVIDES WOMEN IN SUB-SAHARAN AFRICAN COUNTRIES WITH INSTRUCTION AND EDUCATION IN BUSINESS SKILLS FOR THE BENEFIT OF THE INDIVIDUAL, HER FAMILY AND THE COMMUNITY AT LARGE.

Program 2

Expenses: $100,000

MLF USA PROVIDED FUNDS TO BE USED FOR MICROLOANS TO SMALL GROUPS OF WOMEN WHO HAVE COMPLETED THE REQUISITE BUSINESS TRAINING. MLF'S STANDARD LOAN (AVERAGE $80 PER PERSON) IS MADE TO INDIVIDUAL WOMEN WITHIN A GROUP. THE GROUP IS COLLECTIVELY RESPONSIBLE FOR REPAYING THE LOAN. THE MICROLOANS ENABLE THE WOMEN TO DEVELOP SMALL BUSINESSES TO SUPPORT THEIR FAMILIES.

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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 (2023)

Revenue Breakdown

Contributions & Grants $107,546

Program Service Revenue $0

Investment Income $0

Other Revenue $1,610

TOTAL REVENUE $109,156

Expense Breakdown

Grants Paid $100,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $100,000

Other Expenses $7,901

TOTAL EXPENSES $107,901

Year-over-Year Comparison

	2023	2022	Change
Revenue	$109,156	$157,814	-0.3%
Expenses	$107,901	$141,555	-0.2%
Net Income	$1,255	$16,259	-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

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
STEVEN MARK	PRESIDENT	2.00	Officer Director	$0	$0	$0
DAN HEALY	TREASURER	2.00	Officer Director	$0	$0	$0
ROKAYA HELFER	SECRETARY	2.00	Officer Director	$0	$0	$0
TALITHA REYNOLDS	DIRECTOR	2.00	Director	$0	$0	$0
MATT ZALOSH	DIRECTOR	2.00	Director	$0	$0	$0
BRANDY CARLSON	DIRECTOR	2.00	Director	$0	$0	$0
MALIN ROSENQVIST	DIRECTOR	2.00	Director	$0	$0	$0
MANISH SOMAIYA	DIRECTOR	2.00	Director	$0	$0	$0
MUKESH SHARMA	DIRECTOR	2.00	Director	$0	$0	$0
ISABELLE COLE	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
2024	No data	No data	No data	No data
2023	$109,156	$107,901	$51,287	$1,255
2022	$157,814	$141,555	$47,639	$16,259
2021	$84,892	$94,593	$31,380	$-9,701
2020	$31,715	$29,015	$42,962	$2,700
2019	$56,876	$44,584	$40,262	$12,292
2018	$71,690	$87,235	$27,970	$-15,545