MICROCREDIT FOUNDATION INC

EIN: 753146348 501(c)(3) International Affairs

MINNETONKA, MN

Total Revenue
$32
Total Expenses
$4,102
Total Assets
$378,634
Net Assets
$197,632
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
2003
Legal Domicile
FL
Principal Officer
MICHAEL G RAUENHORST
Phone
9526564607
Tax Period
2021-01-01 to 2021-12-31

MICROCREDIT FOUNDATION INC, founded in 2003, is a micro nonprofit in the International Affairs sector that reported $32 in total revenue in fiscal year 2021. Revenue fell 98% from the prior year — a significant decline worth monitoring. Expenses of $4K exceeded revenue, resulting in a 12719% operating deficit.

Mission

THE FOUNDATION WORKS TO ALLEVIATE POVERTY BY FUNDING MICROFINANCE INSTITUTIONS, EDUCATION PROGRAMS AND BUSINESS DEVELOPMENT SERVICES FOR IMPOVERISHED PEOPLE OUTSIDE OF THE UNITED STATES.

Program Service Accomplishments

Program 1

MICROCREDIT FOUNDATION, INC. IS THE PRIMARY OWNER OF JAMICRO HOLDINGS, LTD (INCORPORATED IN ST. LUCIA), WHICH IS THE SOLE OWNER OF MICRO CREDIT LIMITED (INCORPORATED IN JAMAICA). MICRO CREDIT LIMITED...

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MICROCREDIT FOUNDATION, INC. IS THE PRIMARY OWNER OF JAMICRO HOLDINGS, LTD (INCORPORATED IN ST. LUCIA), WHICH IS THE SOLE OWNER OF MICRO CREDIT LIMITED (INCORPORATED IN JAMAICA). MICRO CREDIT LIMITED HAS MULTIPLE LOCATIONS IN JAMAICA THAT EXTEND MICRO-LOANS TO PROVIDE WORKING CAPITAL TO PEOPLE WHO OWN SMALL BUSINESSES IN IMPOVERISHED AREAS. MICRO-LOANS HELP ALLEVIATE POVERTY BY HELPING POOR PEOPLE INCREASE THEIR INCOME, BUILD VIABLE BUSINESSES, AND REDUCE THEIR VULNERABILITY TO UNFORESEEN CIRCUMSTANCES SUCH AS ILLNESS, WEATHER OR THEFT. THE FOUNDATION ALLEVIATES POVERTY PRIMARILY BY ESTABLISHING, SUPPORTING AND FINANCING MICROFINANCE INSTITUTION PARTNERS (MICRO CREDIT LIMITED), WHICH IN TURN PROVIDE MICRO-LOANS, EDUCATION AND OTHER RELATED SERVICES TO SELF-EMPLOYED PERSONS IN IMPOVERISHED AREAS OUTSIDE OF THE UNITED STATES. THE OPERATIONS OF MICRO CREDIT LIMTED WERE SOLD IN 2017. MICRO CREDIT LIMTED HAS CONTINUED TO WIND UP ITS AFFAIRS IN 2021 WITH A PLAN TO LIQUIDATE UPON EVENTUAL RECEIPT OF OUTSTANDING TAX REFUNDS FROM THE JAMAICAN GOVERNMENT.

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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%)

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Financial Overview (2021)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $0
Investment Income $32
Other Revenue $0
TOTAL REVENUE $32

Expense Breakdown

Grants Paid $0
Salaries & Benefits $0
Fundraising Expenses $0
Other Expenses $4,102
TOTAL EXPENSES $4,102

Year-over-Year Comparison

2021 2020 Change
Revenue $32 $1,705 -1.0%
Expenses $4,102 $13,002 -0.7%
Net Income $-4,070 $-11,297 -0.6%
Key Indicators
Grants to Organizations Grants to Individuals Lobbying Political Activity Foreign Activities Donor Advised Fund Schedule B Required
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Governance

Voting Members
2
Independent Members
2
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
1
$0
Total Directors
2
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
ASAD MAHMOOD DIRECTOR 0.10
Director
$0 $0 $0
STEPHEN J MCCARTHY DIRECTOR 0.10
Director
$0 $0 $0
MICHAEL G RAUENHORST V PRESIDENT/SECRETARY 0.50
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
2021 $32 $4,102 $378,634 $-4,070
2020 $1,705 $13,002 $390,195 $-11,297
2019 $7,628 $8,199 $745,038 $-571
2018 $-23,294 $2,587 $745,609 $-25,881
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