WASHINGTON, DC
4 risk indicators measuring financial stability and operational resilience
Sign in with your work email to view Tuckman-Chang indicators
Sign In — Free (10 views/day)GRAMEEN FOUNDATION USA, founded in 1996, is a community nonprofit in the International Affairs sector that reported $8.0M in total revenue in fiscal year 2023. Revenue fell 23% from the prior year — a significant decline worth monitoring. Expenses of $9.2M exceeded revenue, resulting in a 16% operating deficit.
GRAMEEN FOUNDATION USA (GRAMEEN) IS COMMITTED TO BREAKING THE CYCLE OF POVERTY BY SUPPORTING WOMEN AND UNDERSERVED COMMUNITIES WITH THE RESOURCES THEY NEED TO THRIVE. OUR INNOVATIVE PROGRAMS ARE DESIGNED TO PROVIDE INDIVIDUALS, ESPECIALLY WOMEN, WITH ACCESS TO FINANCIAL SERVICES, TECHNOLOGY, AND KNOWLEDGE, ENABLING THEM TO BUILD SUSTAINABLE LIVELIHOODS. THROUGH A UNIQUE BLEND OF TECHNOLOGY-DRIVEN SOLUTIONS AND LOCALLY-LED INTERVENTIONS, GRAMEEN CONTINUES TO FOSTER ECONOMIC RESILIENCE, FINANCIAL INCLUSION, AND SOCIAL CHANGE IN SOME OF THE MOST VULNERABLE REGIONS OF THE WORLD. SIGNATURE PROGRAMS ARE CENTERED AROUND WOMEN ENTREPRENEURS, SMALLHOLDER FARMERS, AND YOUNG WOMEN, EXECUTED THROUGH OUR ABILITY TO INNOVATE, ADAPT TO EMERGING CHALLENGES, AND BUILD STRONGER, MORE RESILIENT COMMUNITIES.
INVESTHER: HOLISTIC PROGRAMMING FOR WOMEN ENTREPRENEURS: IN FY24, GRAMEEN FOUNDATION USA (GRAMEEN) LED 20 FINANCIAL AND AGRICULTURAL SERVICES PROJECTS FOCUSED ON SUPPORTING PRIMARILY WOMEN...
INVESTHER: HOLISTIC PROGRAMMING FOR WOMEN ENTREPRENEURS: IN FY24, GRAMEEN FOUNDATION USA (GRAMEEN) LED 20 FINANCIAL AND AGRICULTURAL SERVICES PROJECTS FOCUSED ON SUPPORTING PRIMARILY WOMEN ENTREPRENEURS AND YOUNG WOMEN WITH INCREASED ABILITY TO GROW INCOME, AGENCY, AND RESILIENCE. WE ONBOARDED OVER 600,000 NEW COMMUNITY AGENTS, INDIVIDUALS WHO PROVIDE CRITICAL FINANCIAL INCLUSION AND HEALTH SERVICES. ON AVERAGE, AGENTS REACH BETWEEN 150-400+ CLIENTS IN REMOTE AREAS OF THE WORLD AND SUPPORT CLIENTS WITH ACCESS TO FINANCIAL SERVICES (LIKE DIGITAL BILL PAYMENT AND ELECTRONIC TRANSFERS, THROUGH WHICH ACTIVITIES THEY INCREASE THEIR INCOME BY 20-70%.ONE KEY AREA OF GRAMEEN'S PROGRAMMING FOCUSES ON REFUGEES IN UGANDA, WHERE INTERVENTIONS LED TO INCREASED INCOME AND DRAMATICALLY DECREASED INTEREST RATES ON LOANS TO SUPPORT ENTREPRENEURSHIP.
STRENGTHENING ORGANIZATIONS: BANKERS WITHOUT BORDERS (BWB): GRAMEEN FOUNDATION USA'S (GRAMEEN) VOLUNTEER PROGRAM HAS OVER 26,500 VOLUNTEERS. IN FY24, BWB VOLUNTEERS CONTRIBUTED UP TO 8,270 VOLUNTEER...
STRENGTHENING ORGANIZATIONS: BANKERS WITHOUT BORDERS (BWB): GRAMEEN FOUNDATION USA'S (GRAMEEN) VOLUNTEER PROGRAM HAS OVER 26,500 VOLUNTEERS. IN FY24, BWB VOLUNTEERS CONTRIBUTED UP TO 8,270 VOLUNTEER HOURS, ESTIMATED AT USD $1,022,044. SINCE THE PROGRAM'S INCEPTION, BWB VOLUNTEERS HAVE CONTRIBUTED AN ESTIMATED IN-KIND SERVICES OF $31,972,460, PROVIDING VOLUNTEER TECHNICAL ASSISTANCE TO 398 CLIENTS IN 45 COUNTRIES.GRAMEEN FOUNDATION BUILDS UP THE INTERNATIONAL DEVELOPMENT SYSTEMS THAT SUPPORT MILLIONS OFWOMEN AND GIRLS AS THEY WORK THEIR WAY OUT OF POVERTY. WE FOCUS ON EQUIPPING LOCAL ORGANIZATIONS, STAKEHOLDERS, AND FINANCIAL PROVIDERS WITH ACCESSIBLE TECHNOLOGY AND TRAINING TO HELP THEM SERVICE MARGINALIZED FAMILIES. WE DO THIS THROUGH PROGRAMMATIC WORK AS WELL ASTHROUGH OUR WHOLLY OWNED SUBSIDIARY, TAROWORKS, WHICH PROVIDES AN OFFLINE MOBILE APP BUILDER ALLOWING NONPROFITS AND SOCIAL ENTERPRISES TO EMPOWER FRONTLINE AGENTS WITH INFORMATION CAPITALAND MAKE DATA-DRIVEN DECISIONS. TAROWORKS WORKED WITH 53 ORGANIZATIONS EMPOWERING OVER 10,000 FRONTLINE AGENTS WITH DIGITAL TOOLS TO TOUCH THE LIVES OF OVER 13 MILLION PEOPLE IN THEIR COMMUNITIES TO PROVIDE CRITICAL SERVICES AND PRODUCTS.
TOGETHER WE GROW: HOLISTIC PROGRAMMING FOR SMALLHOLDER FARMERS: IN FY24, GRAMEEN FOUNDATION USA (GRAMEEN) CONTINUED ITS WORK TO HELP SMALLHOLDER FARMERS, ESPECIALLY WOMEN, REDUCE THEIR VULNERABILITY...
TOGETHER WE GROW: HOLISTIC PROGRAMMING FOR SMALLHOLDER FARMERS: IN FY24, GRAMEEN FOUNDATION USA (GRAMEEN) CONTINUED ITS WORK TO HELP SMALLHOLDER FARMERS, ESPECIALLY WOMEN, REDUCE THEIR VULNERABILITY TO SHOCKS SUCH AS CLIMATE CHANGE, CROP DISEASES, PESTS, AND MARKET VULNERABILITY WITH 4 PROJECTS PRIMARILY FOCUSED ON AGRICULTURE. AGRIPATH IS A 5-YEAR ACTION-RESEARCH PROJECT SPANNING FIVE COUNTRIES, WHICH AIMS TO PROVIDE GLOBAL, LOCAL IMPLEMENTING AND RESEARCH PARTNERS EVIDENCE AS TO WHAT THE MOST CRITICAL LEVERS ARE FOR DIGITAL AGRICULTURAL ADVISORY SERVICES (DAS) TO REACH SMALLHOLDERS, ESPECIALLY WOMEN. GRAMEEN IS GENERATING A TOOLKIT FOR DAS PARTNERS TO SUPPORT THEM TO BUILD AND ENABLE AGENT NETWORKS TO REACH SMALLHOLDERS AT SCALE.IN THE PHILIPPINES, WE HAVE TWO AGRICULTURE-CENTRIC PROJECTS. ONE IS CALLED THE SUSTAINABLE COCONUT PROJECT AND DURING FY24, WE ACTIVELY ONBOARDED AN ADDITIONAL 2 COOPERATIVES; WE ARE NOW ENGAGING A TOTAL OF 12 COOPERATIVES. WE ARE WORKING WITH THESE COOPERATIVES, AND MORE THAN 10,000 OF THEIR MEMBERS WHO GROW COPRA, TO INCREASE THE SUPPLY OF AND STRENGTHEN THE QUALITY OF SUSTAINABLE COCONUT OIL. THIS GENERATES IMPACT FOR THE PRODUCERS AND COOPERATIVES WHO ARE INVOLVED AND BUILDS A BUSINESS CASE FOR SUSTAINABLE COCONUT OIL FOR OTHER INDUSTRY BUYERS.IN INDIA, GRAMEEN IS WORKING WITH 47 FARMER PRODUCER ORGANIZATIONS (FPOS) ACROSS TWO STATES, REACHING OVER 40,000 SMALLHOLDER FARMERS. THE PROJECT AIMS TO STRENGTHEN THE FPOS' INCLUSIVE BUSINESS LINES THAT STRENGTHEN WOMEN SMALLHOLDER FARMER MEMBERS' INCOMES AND RESILIENCE.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
Sign in to view Trantor Score and financial metrics
Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2023 | 2022 | Change | |
|---|---|---|---|
| Revenue | $7,973,209 | $10,394,919 | -0.2% |
| Expenses | $9,223,393 | $11,427,082 | -0.2% |
| Net Income | $-1,250,184 | $-1,032,163 | +0.2% |
Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics
Financial Distress Indicator
Liquidity & Cash Position
Sign in to view all financial metrics
Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| ELISABETH HOLMES RHYNE | CHAIR | 4.00 |
Officer
Director
|
$0 | $0 | $0 |
| NEELA SALDANHA | VICE CHAIR (UNTIL 02/2024) | 4.00 |
Officer
Director
|
$0 | $0 | $0 |
| JENNIFER DARLINGTON | SECRETARY | 4.00 |
Officer
Director
|
$0 | $0 | $0 |
| ARTHUR GOSHIN | TREASURER | 4.00 |
Officer
Director
|
$0 | $0 | $0 |
| BEVERLY MORRIS ARMSTRONG | BOARD MEMBER | 4.00 |
Director
|
$0 | $0 | $0 |
| MARIE-RENEE BAKKER | BOARD MEMBER | 4.00 |
Director
|
$0 | $0 | $0 |
| SHEILA CHESTON | BOARD MEMBER | 4.00 |
Director
|
$0 | $0 | $0 |
| KATHY DYER | BOARD MEMBER (UNTIL 02/2024) | 4.00 |
Director
|
$0 | $0 | $0 |
| CARLOS JOSE FONSECA | BOARD MEMBER | 4.00 |
Director
|
$0 | $0 | $0 |
| VIKRAM GANDHI | BOARD MEMBER | 4.00 |
Director
|
$0 | $0 | $0 |
| LAUREN HENDRICKS | BOARD MEMBER | 4.00 |
Director
|
$0 | $0 | $0 |
| LESLIE HYMAN | BOARD MEMBER | 4.00 |
Director
|
$0 | $0 | $0 |
| GOPI KALLAYIL | BOARD MEMBER | 4.00 |
Director
|
$0 | $0 | $0 |
| JEFFREY SCOTT | BOARD MEMBER | 4.00 |
Director
|
$0 | $0 | $0 |
| DEBOPAMA SEN | BOARD MEMBER (FROM 11/2023) | 4.00 |
Director
|
$0 | $0 | $0 |
| MARIANNE UDOW-PHILLIPS | BOARD MEMBER (UNTIL 03/2024) | 4.00 |
Director
|
$0 | $0 | $0 |
| DANIEL BENJAMIN WOLFSON | BOARD MEMBER | 4.00 |
Director
|
$0 | $0 | $0 |
| ZUBAIDA BAI | PRESIDENT & CEO | 38.00 |
Officer
|
$290,502 | $18,552 | $309,054 |
| HERMINA RUBIO GUTIERREZ | ACTING CFO | 38.00 |
Officer
|
$191,034 | $0 | $191,034 |
| CESAR DURON | DIRECTOR, GLOBAL HUMAN RESOURCES | 38.00 |
Officer
|
$132,243 | $27,968 | $160,211 |
| AMELIA KUKLEWICZ | EXECUTIVE VICE PRESIDENT PROGRAMS | 38.00 |
Officer
|
$126,948 | $27,315 | $154,263 |
| KATE BARTHOLOMEUSZ | SR DIR., DEV'L, MRKTING & COMM. | 38.00 |
Officer
|
$123,056 | $16,272 | $139,328 |
| BRIANNE FISCHER | GENERAL COUNSEL | 19.00 |
Officer
|
$110,165 | $0 | $110,165 |
| MARLEN DIVINA | DIRECTOR, FINANCE | 38.00 |
Officer
|
$47,425 | $587 | $48,012 |
| ARLYN GIGI GATTI | DIRECTOR, TECHNOLOGY FOR DEVELOPMENT | 40.00 |
Highest
|
$129,830 | $17,401 | $147,231 |
| EMILY ROMERO | SR DIRECTOR, INSTITUTIONAL RELATIONS | 40.00 |
Highest
|
$134,340 | $6,325 | $140,665 |
| SABRINA QUARAISHI | DIRECTOR, BANKERS WITHOUT BORDERS | 40.00 |
Highest
|
$122,150 | $14,723 | $136,873 |
| ELAINE CHANG | TAROWORKS COO | 40.00 |
Highest
|
$116,974 | $10,368 | $127,342 |
| LAKSHMI IYER | DIR. OF INNOVATION IN AGRICULTURE | 40.00 |
Highest
|
$120,084 | $1,256 | $121,340 |
| CONAN WICKHAM | FORMER OFFICER | 10.00 |
|
$115,336 | $8,093 | $123,429 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | No data | No data | No data | No data |
| 2024 | $7,973,209 | $9,223,393 | $5,411,694 | $-1,250,184 |
| 2023 | $10,394,919 | $11,427,082 | $8,807,405 | $-1,032,163 |
| 2022 | $10,571,497 | $10,544,828 | $9,461,534 | $26,669 |
| 2021 | $10,651,686 | $9,665,815 | $9,173,315 | $985,871 |
| 2020 | $6,859,549 | $8,772,584 | $6,589,488 | $-1,913,035 |
| 2019 | $7,618,746 | $9,578,861 | $8,766,162 | $-1,960,115 |
Compare GRAMEEN FOUNDATION USA with other nonprofits in District of Columbia and across the country.