GRAMEEN PUERTO RICO LLC (EIN 660804803) - 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

2013

Legal Domicile

Principal Officer

ANDREA JUNG

Phone

7187040451

Tax Period

2020-01-01 to 2020-11-04

GRAMEEN PUERTO RICO LLC, founded in 2013, is a micro nonprofit that reported $39K in total revenue in fiscal year 2020. Revenue fell 82% from the prior year — a significant decline worth monitoring. Expenses of $402K exceeded revenue, resulting in a 923% operating deficit.

Mission

GRAMEEN PUERTO RICO LLC IS DEDICATED TO HELPING LOW INCOME ENTREPENEURIAL WOMEN BUILD SMALL BUSINESSES TO CREATE BETTER LIVES FOR THEMSELVES AND THEIR FAMILIES. FOUNDED BY NOBEL PEACE PRIZE RECIPIENT MUHAMMAD YUNUS, GRAMEEN PUERTO RICO, LLC IS A SECTION 501(C)(3) NONPROFIT MICROFINANCE ORGANIZATION DEDICATED TO HELPING WOMEN WHO LIVE IN POVERTY BUILD SMALL BUSINESSES TO CREATE BETTER LIVES FOR THEIR FAMILIES. THE ORGANIZATION OFFERS MICROLOANS, TRAINING AND SUPPORT TO TRANSFORM COMMUNITIES AND FIGHT POVERTY IN PUERTO RICO. SINCE 2013, GRAMEEN PUERTO RICO HAS DISBURSED MORE THAN $12M IN MICROLOANS TO MORE THAN 3,500 LOW-INCOME WOMEN ENTREPRENEURS THROUGHOUT SAN JUAN. LEARN MORE AT WWW.GRAMEENAMERICA.ORG.

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $39,249

Investment Income $28

Other Revenue $0

TOTAL REVENUE $39,277

Expense Breakdown

Grants Paid $0

Salaries & Benefits $150,293

Fundraising Expenses $0

Program Expenses $401,852

Other Expenses $251,559

TOTAL EXPENSES $401,852

Year-over-Year Comparison

	2020	2019	Change
Revenue	$39,277	$215,938	-0.8%
Expenses	$401,852	$568,727	-0.3%
Net Income	$-362,575	$-352,789	+0.0%

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

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
ANDREA JUNG	PRESIDENT & CEO	5.00	Officer Director	$0	$0	$0
VIDAR J JORGENSEN	DIRECTOR	0.10	Director	$0	$0	$0
PROFESSOR MUHAMMAD YUNUS	CHAIR	0.10	Officer Director	$0	$0	$0
JOHN MERGRUE	DIRECTOR	0.10	Director	$0	$0	$0
MICHAEL D GRANOFF	DIRECTOR	0.10	Director	$0	$0	$0
KAREN PRITZKER	DIRECTOR	0.10	Director	$0	$0	$0
MAHMOUD MAMDANI	DIRECTOR	0.10	Director	$0	$0	$0
HOPE KNIGHT	DIRECTOR	0.10	Director	$0	$0	$0
ANTONIA HERNANDEZ	DIRECTOR	0.10	Director	$0	$0	$0
ABDUL HAI KHAN	DIRECTOR	0.10	Director	$0	$0	$0
BENJAMIN FARKAS	DIRECTOR	0.10	Director	$0	$0	$0
DAVID GOUGH	SENIOR VICE PRESIDENT & CFO	5.00	Officer	$0	$0	$0
MARY MAJEWSKI	SECRETARY GENERAL COUNSEL	5.00	Officer	$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
2020	$39,277	$401,852	No data	$-362,575
2019	$215,938	$568,727	$826,295	$-352,789
2018	$219,065	$597,602	$688,298	$-378,537

GRAMEEN PUERTO RICO LLC