THE ZAWADISHA FUND (EIN 460583426) - Form 990 Financial Analysis & Trantor Score

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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

2012

Legal Domicile

Principal Officer

JENNIFER GURECKI

Phone

5304165682

Tax Period

2024-01-01 to 2024-12-31

THE ZAWADISHA FUND, founded in 2012, is a small nonprofit in the Community Improvement sector that reported $123K in total revenue in fiscal year 2024. Revenue fell 22% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $25K, a strong 20% operating margin.

Mission

TO PROVIDE SMALL LOANS TO RURAL KENYAN WOMEN TO FINANCE THEIR LIVELIHOODS. WE PROVIDE THE FINANCING AND DISTRIBUTION OF SOLAR LAMPS, RAIN WATER TANKS, AND CLEAN COOKSTOVES. WE FOLLOW UP WITH LEADERSHIP AND FINANCIAL LITERACY TAINING TO MAXIMIZE THE IMPACT OF THESE LOANS.

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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 (2024)

Revenue Breakdown

Contributions & Grants $77,594

Program Service Revenue $45,260

Investment Income $0

Other Revenue $0

TOTAL REVENUE $122,854

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $9,100

Program Expenses $74,175

Other Expenses $98,200

TOTAL EXPENSES $98,200

Year-over-Year Comparison

	2024	2023	Change
Revenue	$122,854	$157,811	-0.2%
Expenses	$98,200	$153,691	-0.4%
Net Income	$24,654	$4,120	+5.0%

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

Employees

N/A

Volunteers

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
LAUREN RENDA	SECRETARY	0.50	Director	$0	$0	$0
JENNIFER GURECKI	CHAIRMAN	10.00	Officer 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	$122,854	$98,200	$25,484	$24,654
2023	$157,811	$153,691	$19,561	$4,120
2022	$121,805	$107,858	$33,862	$13,947
2021	$121,924	$203,216	$22,831	$-81,292
2020	$33,487	$24,441	$129,169	$9,046
2019	$54,002	$74,344	$112,976	$-20,342

THE ZAWADISHA FUND