To provide hard-working men and women with economic and spiritual resources that unleash their capacities and liberate them from the entanglements of poverty. We work with indigenous partner organizations in the developing world to provide life-transforming microloans that equip hard working individuals and families to lift themselves out of poverty. We build the capacity of our partner organizations through funding, staff training, and leadership development.

501(c)(3) charity; gifts are tax-deductible.
79¢ of each $1 spent went to programs.
$96K paid to officers and key staff.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · Pay: Part VII

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FY2021 · 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
5 of 5
filings with a surplus
Average surplus $333K a year · 33% of revenue · last 5 filings
Looks good: a surplus in 5 of the last 5 filings.
Pt I · Ln 19 · 5 filings
Spent on programs
79%
of spending
Looks good: 79% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$96K
to officers and key staff · 18% of spending
Fine: pay to officers and key staff is 18% of spending; 15% to 20%.
Pt VII · Sec A
8 mo
of spending, in cash
Looks good: 8.3 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
6
named funders · $1.1M
Looks good: 6 funders name it on their filings; 3 or more.
Funders’ Sch. I, 990-PF
Liabilities
$101K
23% of total assets
Looks good: liabilities are 23% of assets; 50% or less.
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
$687K
Spent
$521K
To programs
79%
Net assets
$331K
By yearFY2021–FY2025
Revenue
$687K
FY2021
Tap a bar for its year
Revenue by fiscal year
FY2021$687K
FY2022$1.6M
FY2023$771K
FY2024$1.2M
FY2025$809K
Expenses
$521K
FY2021
Tap a bar for its year
Expenses by fiscal year
FY2021$521K
FY2022$600K
FY2023$709K
FY2024$846K
FY2025$727K
Net assets
$331K
FY2021
Tap a bar for its year
Net assets by fiscal year
FY2021$331K
FY2022$1.3M
FY2023$1.4M
FY2024$1.7M
FY2025$788K

From the FY2021 Form 990 (year ending June 2021) · figures checked against the IRS filing · see the original

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You’re viewing the FY2021 filing — not the latest on file. See the latest (FY2025) →

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Nov 1986.

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

Where the money goes

79 cents of each dollar spent went to programs.

Program services 79% · $411K Management & general 15% · $78K Fundraising 6% · $31K

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

12 people listed on the 990; $96K paid to officers and key staff.

Part VII, Section A · reportable compensation · most recent filed roster (FY2020); the FY2021 filing did not itemize Part VII
Executive Dir.
$96,341Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
Foundation Mgr.
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A

Peter Fry’s $41K as Director is at the 37th 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 · 1 named individual · Part VII

NameFY2025FY2024FY2023FY2022FY2021
Peter Fry$40,590$38,657$53,578$101,991$96,341

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.

See Endpoverty Org executive salaries →

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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

Empowers individuals in developing nations with microloans and resources to escape poverty.

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Provided by the organization

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1 program · $411K · in their own filed words · FY2020
01

Over 2000 women in Bangladesh trained in the harvest program Launched Kua Ventures to support faith-driven small and growing businesses in East Africa. Supported over 50 Internally displaces Refugees in Cameroon The Young Entrepreneurs Program trained and equipped a total of 39 girls in the Young Entreprenuer Program In Uganda.

$411Kprogram 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
See all 6 funders →

By the numbers

The FY2021 990, line by line.

1The main four
Money inPt VIII
$687K
Ln 12
Gifts and grantsLn 1h$687K
Money outPt IX
$521K
Ln 25
Programscol B$411K
Managementcol C$78K
Fundraisingcol D$31K
Owns and owesPt X
$331K
net assets · Ln 32
Cash and savingsLn 1–2$360K
Total assetsLn 16$432K
LiabilitiesLn 26$101K
PeoplePt VI, VII
12
listed · VII A
PaidVII A1
Voting boardVI 1a12
IndependentVI 1b12
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$687K
Gains on assetsLn 7$0
Total revenueLn 12$687K
Assets in detailPt X, end of year
CashLn 1$360K
SavingsLn 2$0
Cash and savings togetherLn 1–2$360K
InvestmentsLn 11–13$0
Land, buildings, equipmentLn 10c$1K
Other assetsLn 15$0
Total assetsLn 16$432K
LiabilitiesLn 26$101K
Net assetsLn 32$331K
OperationsPt I, VI
EmployeesI 54
VolunteersI 68
Fiscal year endsHeaderJune
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 FY21End FY21
Cash and savingsLn 1–2$190K$360K
InvestmentsLn 11–13$0
Land, buildings, equipmentLn 10c$1K
Total assetsLn 16$190K$432K
LiabilitiesLn 26$25K$101K
Net assetsLn 32$165K$331K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic organizationsLn 1$0
Grants to domestic individualsLn 2$0
Grants and assistance to foreign recipientsLn 3$116K$116K
Benefits paid to or for membersLn 4$0
Pay of current officers, directors and key staffLn 5$96K$77K$10K$10K
Pay of disqualified personsLn 6$0
Other salaries and wagesLn 7$153K$140K$9K$4K
Pension plan contributionsLn 8$0
Other employee benefitsLn 9$0
Payroll taxesLn 10$0
Management feesLn 11a$0
Legal feesLn 11b$0
Accounting feesLn 11c$85K$44K$42K
Lobbying feesLn 11d$0
Professional fundraising feesLn 11e$0
Investment management feesLn 11f$0
Other fees for servicesLn 11g$0
Advertising and promotionLn 12$0
Office expensesLn 13$0
Information technologyLn 14$5K$4K$62$725
RoyaltiesLn 15$0
OccupancyLn 16$6K$5K$707$480
TravelLn 17$6K$5K$397$213
Travel and entertainment for public officialsLn 18$0
Conferences, conventions and meetingsLn 19$0
InterestLn 20$0
Payments to affiliatesLn 21$0
Depreciation, depletion and amortizationLn 22$165$165
InsuranceLn 23$187$139$48
Other expenses (24a–d)Ln 24$47K$16K$17K$13K
All other expensesLn 24e$5K$2K$371$3K
Total functional expensesLn 25$521K$411K$78K$31K

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest $809K$727K$82K$788K 990 PDF
FY2024 $1.2M$846K$368K$1.7M 990 PDF
FY2023 $771K$709K$62K$1.4M 990 PDF
FY2022 $1.6M$600K$986K$1.3M 990 PDF
FY2021 Viewing $687K$521K$166K$331K 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 F · Foreign O · Explanations
See the full FY2021 990 (6 parts)
Part I · Summary $686,981 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $889,142$686,981
I-9 Program service revenue$0
I-10 Investment incomePrior year $524$0
I-11 Other revenue$0
I-12 Total revenuePrior year $889,666$686,981
I-13 Grants and similar amounts paidPrior year $319,757$116,328
I-14 Benefits paid to members$0
I-15 Salaries and benefitsPrior year $341,301$249,813
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $190,936$154,701
I-18 Total expensesPrior year $851,994$520,842
I-19 Revenue less expensesPrior year $37,672$166,139
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 $686,981 across 8 lines filed
VIII-1f All other contributions, gifts and grants$686,981
VIII-1h Total contributions, gifts and grants$686,981
VIII-3 Investment income$0
VIII-5 Royalties$0
VIII-6 Net rental income or loss$0
VIII-7 Net gain or loss on sales of assets$0
VIII-8 Net income from fundraising events$0
VIII-12 Total revenue$686,981
Part IX · Statement of functional expenses $520,842 across 31 lines filed
IX-1 Grants to domestic organizations$0
IX-2 Grants to domestic individuals$0
IX-3 Grants and assistance to foreign recipientsPrograms $116,328$116,328
IX-4 Benefits paid to or for members$0
IX-5 Pay of current officers, directors and key staffPrograms $77,073 · Management $9,634 · Fundraising $9,634$96,341
IX-6 Pay of disqualified persons$0
IX-7 Other salaries and wagesPrograms $140,497 · Management $8,649 · Fundraising $4,326$153,472
IX-8 Pension plan contributions$0
IX-9 Other employee benefits$0
IX-10 Payroll taxes$0
IX-11a Management fees$0
IX-11b Legal fees$0
IX-11c Accounting feesPrograms $43,864 · Management $41,502$85,366
IX-11d Lobbying fees$0
IX-11f Investment management fees$0
IX-12 Advertising and promotion$0
IX-13 Office expenses$0
IX-14 Information technologyPrograms $4,322 · Management $62 · Fundraising $725$5,109
IX-15 Royalties$0
IX-16 OccupancyPrograms $4,696 · Management $707 · Fundraising $480$5,883
IX-17 TravelPrograms $5,476 · Management $397 · Fundraising $213$6,086
IX-18 Travel and entertainment for public officials$0
IX-19 Conferences, conventions and meetings$0
IX-20 Interest$0
IX-21 Payments to affiliates$0
IX-22 Depreciation, depletion and amortizationManagement $165$165
IX-23 InsurancePrograms $139 · Fundraising $48$187
IX-24 Other expenses (24a–d)Programs $16,193 · Management $16,929 · Fundraising $13,473$46,595
IX-24e All other expensesPrograms $2,434 · Management $371 · Fundraising $2,505$5,310
IX-25 Total functional expensesPrograms $411,022 · Management $78,416 · Fundraising $31,404$520,842
Part X · Balance sheet $432,038 assets, 20 lines filed
Asset lines not itemized here account for $71,137; see the IRS return.
X-1 Cash, non-interest-bearingStart of year $190,347$359,670
X-2 Savings and temporary cash investments$0
X-3 Pledges and grants receivable$0
X-4 Accounts receivable$0
X-8 Inventories for sale or use$0
X-9 Prepaid expenses and deferred charges$0
X-10c Land, buildings and equipment, net$1,231
X-11 Publicly traded securities$0
X-12 Other securities$0
X-13 Program-related investments$0
X-14 Intangible assets$0
X-15 Other assetsStart of year $44$0
X-16 Total assetsStart of year $190,391$432,038
X-17 Accounts payable and accrued expensesStart of year $4,624$80,132
X-24 Unsecured notes and loans payableStart of year $20,833$20,833
X-26 Total liabilitiesStart of year $25,457$100,965
X-27 Net assets without donor restrictionsStart of year $67,914$271,073
X-28 Net assets with donor restrictionsStart of year $97,020$60,000
X-32 Total net assets or fund balancesStart of year $164,934$331,073
X-33 Total liabilities and net assetsStart of year $190,391$432,038
Part XI · Reconciliation of net assets $331,073 net assets at year end
XI-1 Total revenue$686,981
XI-2 Total expenses$520,842
XI-3 Revenue less expenses$166,139
XI-4 Net assets at start of year$164,934
XI-10 Net assets at end of year$331,073

Form 990 e-file (XML) FY2021 from the IRS · Classification, formation year and address from the IRS Business Master File

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