We are on a mission to elevate 10 million people from poverty to prosperity in the most underserved regions of latin America, africa, and asia through our community-led, scalable approach to rural market development and empowering entrepreneurs by providing them access to knowledge, markets, and financial services.

501(c)(3) charity; gifts are tax-deductible.
63¢ of each $1 spent went to programs.
Run by 12 volunteers and 2 employees.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · People: Part I, lines 5–6

Before you give

FY2025 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(3)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
Yes
Donations are tax-deductible
Looks good: the IRS lists gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
3 of 6
filings with a surplus
Average surplus $16K a year · 3% of revenue · last 6 filings
Worth a look: a surplus in 3 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
63%
of spending
Worth a look: 63% of spending went to programs; under 65%.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$120K
to officers and key staff · 29% of spending
Worth a look: pay to officers and key staff is 29% of spending; over 20%.
Pt VII · Sec A
1 mo
of spending, in cash
Fine: 1.4 months of spending in cash; 1 to 3.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
2
named funders · $24K
Fine: 2 funders name it on their filings; under 3.
Funders’ Sch. I, 990-PF
Liabilities
$114K
81% of total assets
Concern: liabilities are 81% of assets; over 80%.
Pt X · Ln 26
Independent board members
12
of 12 voting members
Looks good: 12 of 12 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$417K
+188% vs prior year
Spent
$417K
To programs
63%
Net assets
$28K
By yearFY2020–FY2025
Revenue
$417K
FY2025▲ +188%
Tap a bar for its year
Revenue by fiscal year
FY2020$466K
FY2021$527K
FY2022$1.3M
FY2023$492K
FY2024$145K
FY2025$417K
Expenses
$417K
FY2025▼ -37%
Tap a bar for its year
Expenses by fiscal year
FY2020$495K
FY2021$513K
FY2022$504K
FY2023$631K
FY2024$660K
FY2025$417K
Net assets
$28K
FY2025+0.2%
Tap a bar for its year
Net assets by fiscal year
FY2020−$97K
FY2021−$82K
FY2022$682K
FY2023$543K
FY2024$28K
FY2025$28K

From the FY2025 Form 990 · see the original

Give Claim

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Jul 2013.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

63 cents of each dollar spent went to programs.

Program services 63% · $264K Management & general 16% · $67K Fundraising 21% · $86K

Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.

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Who runs it and what they're paid

13 people listed on the 990; $120K paid to officers and key staff.

Part VII, Section A · reportable compensation
Executive Director
$120,000Pt VII · Sec A
Secretary
$0Pt VII · Sec A
Treasurer
$0Pt VII · Sec A
$0Pt VII · Sec A
Board Member
$0Pt VII · Sec A
Board Member
$0Pt VII · Sec A
Chairman
$0Pt VII · Sec A
Board Member
$0Pt VII · Sec A

Michelle Hnizda’s $120K as Executive Director is at the 89th percentile of top reported officer pay among 1636 $100K–1M international nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.

Compensation history total reportable pay by year · 2 named individuals · Part VII

NameFY2025FY2024FY2023FY2022FY2021FY2020
Michelle Riestra———$100,000$100,000$125,000
Michelle Hnizda$120,000$120,000$120,000———

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Alleviates poverty globally by creating income-generating opportunities through market-based solutions.

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Provided by the organization

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3 programs · $252K · in their own filed words · FY2025
01

Market study for economic activities in guatemala that would yield higher incomes for the population in GUATEMALA.THIS study aims to identify economic activities or sectors with the greatest potential for developing or strengthening entrepreneurship and employability in 7 communities of palencia municipality (guatemala): los cedritos, el…

$138Kprogram expense
02

Promoting entrepreneurship, employment, community savings and credit groups to provide economic and capital opportunities to the families of huaral - peru, phase 2DURING phase 2, the project has been able to generate 2,500 jobs for the local communities.

$63Kprogram expense
03

Promote the productive inclusion of 200 rural families in the dairy and alpaca fiber value chains in ecuador. This project will contribute to improving the quality of life of 200 families of small producers in the ecuadorian andes.

$51Kprogram expense

Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · funders on record
Grants received · FY2024
Total grants receivedfrom 2 funders$24K

By the numbers

The FY2025 990, line by line.

1The main four
Money inPt VIII
$417K
Ln 12
Gifts and grantsLn 1h$295K
Fees for servicesLn 2g$121K
Investment incomeLn 3$811
Money outPt IX
$417K
Ln 25
Programscol B$264K
Managementcol C$67K
Fundraisingcol D$86K
Owns and owesPt X
$28K
net assets · Ln 32
Cash and savingsLn 1–2$49K
Total assetsLn 16$142K
LiabilitiesLn 26$114K
PeoplePt VI, VII
13
listed · VII A
PaidVII A1
Voting boardVI 1a12
IndependentVI 1b12
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$295K
Fees for servicesLn 2g$121K
Investment incomeLn 3$811
Gains on assetsLn 7−$141
Total revenueLn 12$417K
Assets in detailPt X, end of year
CashLn 1$49K
Cash and savings togetherLn 1–2$49K
Total assetsLn 16$142K
LiabilitiesLn 26$114K
Net assetsLn 32$28K
OperationsPt I, VI
EmployeesI 52
VolunteersI 612
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY25End FY25
Cash and savingsLn 1–2$58K$49K
Total assetsLn 16$141K$142K
LiabilitiesLn 26$113K$114K
Net assetsLn 32$28K$28K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Pay of current officers, directors and key staffLn 5$129K$65K$13K$52K
Other salaries and wagesLn 7$62K$37K$12K$12K
Other employee benefitsLn 9$6K$3K$1K$1K
Payroll taxesLn 10$15K$8K$2K$4K
Accounting feesLn 11c$32K$32K
Other fees for servicesLn 11g$146K$146K
Office expensesLn 13$20K$5K$3K$12K
TravelLn 17$3K$188$3K
Conferences, conventions and meetingsLn 19$1K$1K
InsuranceLn 23$2K$2K
Total functional expensesLn 25$417K$264K$67K$86K

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $417K$417K$64$28K 990 PDF
FY2024Filed with the IRS Oct 15, 2025 $145K$660K−$515K$28K 990 PDF
FY2023Filed with the IRS Oct 22, 2024 $492K$631K−$139K$543K 990 PDF
FY2022Filed with the IRS Oct 27, 2023 $1.3M$504K$765K$682K 990 PDF
FY2021Filed with the IRS Sep 7, 2022 $527K$513K$15K−$82K 990 PDF
FY2020Filed with the IRS Nov 1, 2021 $466K$495K−$29K−$97K 990 PDF

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Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support O · Explanations
See the full FY2025 990 (6 parts)
Part I · Summary $416,646 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $144,529$294,564
I-9 Program service revenuePrior year $0$121,271
I-10 Investment incomePrior year $9$811
I-11 Other revenuePrior year $0$0
I-12 Total revenuePrior year $144,538$416,646
I-13 Grants and similar amounts paidPrior year $0$0
I-14 Benefits paid to membersPrior year $0$0
I-15 Salaries and benefitsPrior year $137,255$211,791
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $522,712$204,791
I-18 Total expensesPrior year $659,967$416,582
I-19 Revenue less expensesPrior year −$515,429$64
Part VI · Governance 12 of 12 board members independent, no flags
VI-1a Voting members of the governing body12
VI-1b Independent voting members12
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $416,646 across 6 lines filed
VIII-1f All other contributions, gifts and grants$294,564
VIII-1h Total contributions, gifts and grants$294,564
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $121,271$121,271
VIII-3 Investment incomeExcluded from tax $952$952
VIII-7 Net gain or loss on sales of assetsExcluded from tax −$141−$141
VIII-12 Total revenueRelated to mission $121,271 · Unrelated business $0 · Excluded from tax $811$416,646
Part IX · Statement of functional expenses $416,582 across 10 lines filed
IX-5 Pay of current officers, directors and key staffPrograms $64,535 · Management $12,907 · Fundraising $51,628$129,070
IX-7 Other salaries and wagesPrograms $37,396 · Management $12,465 · Fundraising $12,465$62,326
IX-9 Other employee benefitsPrograms $3,305 · Management $1,102 · Fundraising $1,102$5,509
IX-10 Payroll taxesPrograms $8,187 · Management $2,233 · Fundraising $4,466$14,886
IX-11c Accounting feesManagement $32,109$32,109
IX-11g Other fees for servicesPrograms $145,924$145,924
IX-13 Office expensesPrograms $4,951 · Management $3,200 · Fundraising $12,122$20,273
IX-17 TravelManagement $188 · Fundraising $2,671$2,859
IX-19 Conferences, conventions and meetingsFundraising $1,268$1,268
IX-23 InsuranceManagement $2,358$2,358
IX-25 Total functional expensesPrograms $264,298 · Management $66,562 · Fundraising $85,722$416,582
Part X · Balance sheet $142,173 assets, 11 lines filed
X-1 Cash, non-interest-bearingStart of year $58,317$49,254
X-3 Pledges and grants receivableStart of year $79,873$90,000
X-9 Prepaid expenses and deferred chargesStart of year $2,553$2,919
X-16 Total assetsStart of year $140,743$142,173
X-17 Accounts payable and accrued expensesStart of year $3,767$6,988
X-25 Other liabilitiesStart of year $109,333$107,478
X-26 Total liabilitiesStart of year $113,100$114,466
X-27 Net assets without donor restrictionsStart of year −$80,712−$35,648
X-28 Net assets with donor restrictionsStart of year $108,355$63,355
X-32 Total net assets or fund balancesStart of year $27,643$27,707
X-33 Total liabilities and net assetsStart of year $140,743$142,173
Part XI · Reconciliation of net assets $27,707 net assets at year end
XI-1 Total revenue$416,646
XI-2 Total expenses$416,582
XI-3 Revenue less expenses$64
XI-4 Net assets at start of year$27,643
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$27,707

Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File

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