OPPORTUNITY PLUS

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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

2014

Legal Domicile

Principal Officer

AMI DOSHI

Phone

8006949746

Tax Period

2018-01-01 to 2018-12-31

OPPORTUNITY PLUS, founded in 2014, is a micro nonprofit that reported $17K in total revenue in fiscal year 2018. Revenue fell 60% from the prior year — a significant decline worth monitoring. Expenses of $34K exceeded revenue, resulting in a 107% operating deficit.

Mission

OUR MISSION, INSPIRED BY THE FOLLOWING 2015 UN SUSTAINABLE DEVELOPMENT GOALS, IS TO SUPPORT PROGRESS THROUGH OPPORTUNITY, NOT CHARITY. WE SUPPORT INNOVATIVE AND SCALABLE FINANCIAL INCLUSION AND AFFORDABLE MICROLOAN PROGRAMS IN INDIA AND HERE IN DALLAS TO CREATE OPPORTUNITIES FOR LOW-INCOME COMMUNITIES, MINORITY WOMEN, TO LIVE SELF-SUFFICIENT, HEALTHIER, AND MORE ENGAGED LIVES. THROUGH STRATEGIC PARTNERSHIPS, OUR MISSION IS TO REDUCE VULNERABILITY TO FINANCIAL DISRUPTION THROUGH SELF-EMPLOYMENT AND INCREASE COMMUNITY ENGAGEMENT THROUGH LEADERSHIP AND BUSINESS TRAINING. IN 2018, OPPORTUNITY PLUS ADDED ANOTHER TEXAS BASED ORGANIZATION INTO THEIR LIST OF GRANTEES. THEIR MISSION IS TO INVEST IN LOW INCOME FEMALE ENTREPRENEURS IN AMERICA TO CREATE MORE RESILIENT AND TO CHANGE THE NARRATIVE AROUND HOW LOW INCOME COMMUNITIES CAN BECOME THEIR OWN CHANGE AGENTS. THEIR LOANS ARE BASED EXCLUSIVELY ON TRUST, NOT A CREDIT SCORE. JUST HAS DEVELOPED A PROCESS INNOVATION ON GLOBAL MICROFINANCE DESIGNED FOR ENTREPRENEURS IN THE US. THEIR MODEL IS ENTREPRENEUR LED, AND AT THE CENTER OF THE JUST MODEL IS THE JETA JUST ENTREPRENEUR TRUST AGENT. THESE WOMEN ARE ROLE MODELS, FACILITATORS, AND COMMUNITY MAKERS WHO INVITE OTHER ENTREPRENEURS INTO THE JUST PROGRAM. A 100% MOBILE SOLUTION, JUST LEVERAGES TECHNOLOGY TO AUTOMATE BUSINESS PROCESSES, INCREASE TRANSPARENCY FOR ALL STAKEHOLDERS, AND DELIVER A DELIGHTFUL EXPERIENCE FOR THEIR CLIENTS. THEY MAKE SMALL LOANS TO ENTREPRENEURS TO START OR GROW THEIR BUSINESSES, STARTING AT $750 ALL BASED ON TRUST AND CREATE SIMPLE FRAMEWORKS TO FOSTER PEER-TO-PEER LEARNING WITH A FOCUS ON GOAL SETTING AND FINANCIAL LITERACY. THE LOANS ARE INVESTED IN THEIR BUSINESSES, THE ENTREPRENEURS SET SMART GOALS AND THEIR EDUCATION PROGRAMS ARE DESIGNED TO CREATE LIFE-LONG LEARNERS. THE GROUP FINANCIAL COACHING INCREASES THEIR MONEY AWARENESS WHILE SAVINGS GOALS ARE SET INDIVIDUALLY WITH GROUP SUPPORT. MOREOVER, WEEKLY LOAN REPAYMENTS BUILD CREDIT DISCIPLINE. THEIR SMALL WEEKLY GROUP MEETINGS CREATE ACCOUNTABILITY WHILE THEIR LARGE JUST GATHERINGS OFFER INSPIRATION. THE JUST BENEFIT NETWORK PROVIDES INCENTIVES FOR POSITIVE ACTIONS. OPPORTUNITY PLUS HAS MADE A COMMITMENT TO PROVIDE $75,000 TOTAL OVER 3 YEARS TO BUILD UP THEIR BASE HERE IN DALLAS. WE'RE PROUD TO BE SUPPORTING THIS PROGRAM IN DALLAS, ALONG WITH OUR FELLOW FOUNDING FOUNDERS. FOUNDERS: UNITED WAY DALLAS EMBREY FAMILY FOUNDATION SAPPHIRE FOUNDATION OPPORTUNITYPLUS HIRSCH FAMILY FOUNDATION HAROLD SIMMONS FOUNDATION THE CRAIG AND KATHRYN HALL FOUNDATION JPMORGAN CHASE FOUNDATION FORMER MEMBERS OF CHIAPAS INTERNATIONAL

Program Service Accomplishments

Program 1

Expenses: $25,000

EMPOWHER: FINANCIAL INCLUSION FOR DALLAS WOMEN PILOT PROGRAM

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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 $36,207

Program Service Revenue $0

Investment Income $0

Other Revenue $-19,671

TOTAL REVENUE $16,536

Expense Breakdown

Grants Paid $25,000

Salaries & Benefits $0

Fundraising Expenses $310

Program Expenses $25,000

Other Expenses $9,280

TOTAL EXPENSES $34,280

Year-over-Year Comparison

	2018	2017	Change
Revenue	$16,536	$41,688	-0.6%
Expenses	$34,280	$35,580	0.0%
Net Income	$-17,744	$6,108	-3.9%

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

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
MAYA JHANGIANI	BOARD MEMBER	1.00	Director	$0	$0	$0
RENU SAXENA	BOARD MEMBER	1.00	Director	$0	$0	$0
JAINIK SHAH	BOARD MEMBER	1.00	Director	$0	$0	$0
DEVASHISH SAXENA	BOARD MEMBER	1.00	Director	$0	$0	$0
AMI DOSHI	BOARD MEMBER	3.00	Officer Director	$0	$0	$0
BINAKA SANKARAN	BOARD MEMBER	1.00	Director	$0	$0	$0
SHANTHI RAJARAM	BOARD MEMBER	1.00	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
2018	$16,536	$34,280	$35,770	$-17,744