2023-11-07T00:34:44-06:00 2022-12-31 861065772 DELOITTE TAX LLP 7900 TYSONS ONE PLACE SUITE 800 MCLEAN VA 22102 990 2022-01-01 133240109 FINCA INTERNATIONAL INC FINC 2026821510 1201 15TH STREET NW 8TH FLOOR WASHINGTON DC 20005 KUO-WEI WANG CHIEF FINANCIAL OFFICER 2026821510 2023-11-06 1 KUO-WEI WANG 999009999 0 RACHEL KAUFMAN P01485017 7032511000 3 AAL1 IAL1 2022 2023-04-26 12:10:37Z ANDREE SIMON 1201 15TH STREET NW 8TH FLOOR WASHINGTON DC 20005 22827030 0 X WWW.FINCA.ORG X 1984 NY ALLEVIATE POVERTY BY HELPING PEOPLE BUILD ASSETS, CREATE JOBS AND RAISE THEIR STANDARD OF LIVING. 16 14 36 13 0 0 19987198 18753953 -16997704 1667513 310330 109178 550322 575724 3850146 21106368 0 0 0 0 9092273 10567668 486464 10324 3811153 12170284 15383629 21749021 25961621 -17898875 -4855253 204181104 202859661 52574953 57515434 151606151 145344227 X PROMOTE THE ECONOMIC AND SOCIAL WELL-BEING OF LOW-INCOME INDIVIDUALS, FAMILIES AND GROUPS THROUGHOUT THE WORLD PROVIDING FINANCIAL ASSISTANCE, LOANS, SAVINGS ACCUMULATION, AND OTHER OPPORTUNITIES AND ASSISTANCE. 0 0 349820 -12603537 FINCA IMPACT FINANCE:NEARLY 1.7 BILLION ADULTS AROUND THE WORLD REMAIN FINANCIALLY EXCLUDED WITHOUT ACCESS TO USEFUL AND AFFORDABLE FINANCIAL PRODUCTS AND SERVICES DELIVERED IN A RESPONSIBLE AND SUSTAINABLE WAY. THE PREDOMINANT GROUP AMONG THE FINANCIALLY EXCLUDED IS COMPRISED BY UNEMPLOYED OR LOW-INCOME INDIVIDUALS GIVEN THE HIGH COSTS ASSOCIATED WITH TRADITIONAL BANKING. FOR FINCA INTERNATIONAL, THE ADVANCEMENT OF FINANCIAL INCLUSION IS OF PIVOTAL IMPORTANCE CONSIDERING THAT ACCESS TO BASIC FINANCIAL SERVICES CAN BRIDGE THE ECONOMIC GAP BETWEEN THE HAVES AND HAVE-NOTS. FURTHERMORE, IT CAN FOSTER ECONOMIC SUSTAINABILITY AND SELF-RELIANCE AMONG THE UNDERPRIVILEGED POPULATION. FINCA INTERNATIONAL FIRMLY BELIEVES IN ECONOMIC OPPORTUNITY AND JUSTICE FOR ALL AND THEREFORE IS COMMITTED TO PURSUE THE ADVANCEMENT OF FINANCIAL INCLUSION. FINCA INTERNATIONAL IS THE FOUNDER AND MAJORITY OWNER OF FINCA IMPACT FINANCE (FIF), A NETWORK OF 15 COMMUNITY-BASED MICRO-FINANCE INSTITUTIONS AND BANKS THAT AMPLIFIES FINANCIAL INCLUSION THROUGH INNOVATIVE, RESPONSIBLE, AND IMPACTFUL FINANCIAL SERVICES TO UNDERPRIVILEGED CLIENTS. SERVICES PROVIDED BY FIF INCLUDE: VILLAGE BANKING AND SMALL GROUP LOANS TARGETED TO LOW-INCOME MICRO-ENTREPRENEURS; INDIVIDUAL LOANS TO SUPPORT THE GROWTH OF SMALL BUSINESSES GROWTH AND JOB CREATION; LOANS WITH EXCLUSIVE REPAYMENT CONDITIONS FOR CLIENTS IN AGROBUSINESSES WHO ARE IN NEED OF PURCHASING SEEDS, FERTILIZER, LIVESTOCK AND EQUIPMENT; SAVINGS ACCOUNTS TO PROMOTE RELIEF AGAINST DIFFICULT TIMES; CREDIT, DISABILITY AND FUNERAL INSURANCE TO LESSEN FINANCIAL STRESS ASSOCIATED WITH MAJOR OR UNEXPECTED EXPENSES; MONEY TRANSFERS CARRIED OUT IN A SAFE AND AFFORDABLE WAY; AND, ENERGY LOANS TO PURCHASE OR LEASE CLEAN ELECTRICITY SYSTEMS OR PRODUCTS.FOR 2022, FIF REPORTED OVER $ 1,013,600,000 IN LOANS DISBURSED, WITH AN AVERAGE OF 3,462,775 INDIVIDUALS SAVING ON A REGULAR BASIS. TOTAL SAVINGS ADDED $343,793,000 WITH VOLUNTARY DEPOSITS REACHING $329,567,000. WOMEN CLIENTS REPRESENTED 39% OF CLIENTS THROUGHOUT ALL THE FIF NETWORK. FOR THAT SAME YEAR, FIF'S AFFILIATES AROUND THE WORLD REPORTED THE FOLLOWING NUMBERS OF CLIENTS (OR BENEFICIARIES) OF FINANCIAL PRODUCTS AND SERVICES: DRC: 328,946MALAWI: 172,121NIGERIA: 10,282TANZANIA: 651,331UGANDA: 137,219ZAMBIA: 23,004ARMENIA: 21,240AZERBAIJAN: 25,517KYRGYZSTAN: 245,976TAJIKISTAN: 44,812GUATEMALA: 20,821HAITI: 38,419HONDURAS: 78,262JORDAN: 28,258PAKISTAN: 1,414,927 2020314 0 FINCA PLUS:FOR OVER 30 YEARS, FINCA HAS DEMONSTRATED THAT ACCESS TO RESPONSIBLE FINANCE IS AN IMPORTANT TOOL FOR STRENGTHENING THE ECONOMIC SECURITY OF POOR AND LOW-INCOME FAMILIES. AT THE SAME TIME, FINCA HAS REALIZED THAT IT IS ESSENTIAL THAT ACCESS TO FINANCE CAN BE USED ON NON-FINANCIAL GOODS, SUCH AS CLEAN ENERGY PRODUCTS, WHICH ARE CRITICAL FOR IMPROVING A FAMILY'S HEALTH, WELL-BEING AND INCREASING PRODUCTIVITY. FINCA PLUS LLC (D.B.A. IN UGANDA AS BRIGHTLIFE) IS A SOCIAL ENTERPRISE CREATED BY FINCA WHICH PAIRS ACCESS TO FINANCE WITH ACCESS TO ENERGY TO UNLOCK PRODUCTIVITY AND WELL-BEING FOR THE POOR. BRIGHTLIFE PROVIDES LIFE-ENHANCING PRODUCTS SUCH AS SOLAR HOME SYSTEMS AND IMPROVED COOKSTOVES TO THE BOP MARKET AT AFFORDABLE RATES. AS IMPORTANTLY, AND ALIGNED WITH FINCA'S MICRO-LENDING ACTIVITIES, BRIGHTLIFE FINANCES THESE AFFORDABLE PRODUCTS UTILIZING PAYGO TECHNOLOGY, SO THAT INDIVIDUALS CAN ACCESS THESE LIFE-ENHANCING PRODUCTS THAT THEY MIGHT NOT OTHERWISE BE ABLE TO AFFORD.IN 2022, BRIGHTLIFE EMPLOYED 58 FULL-TIME EMPLOYEES IN UGANDA AND HAD A COMMISSION-BASED SALES DISTRIBUTION NETWORK OF APPROXIMATELY 250 AGENTS. BRIGHTLIFE SOLD 8,400 PRODUCTS OVER THE YEAR WHICH IMPROVED THE LIVES OF APPROXIMATELY 56,100 UGANDANS. 581576 1395438 FINCA VENTURES: FINCA VENTURES INVESTS IN EARLY-STAGE COMPANIES THAT OFFER AFFORDABLE, HIGH-QUALITY AND LIFE-ENHANCING PRODUCTS AND SERVICES. AT PRESENT, FINCA VENTURES HAS INVESTMENTS IN HEALTH, FINTECH, AGRICULTURE, LIVELIHOODS, ENERGY, EDUCATION, WATER AND SANITATION. FINCA VENTURES PORTFOLIO COMPANIES DIRECTLY CONTRIBUTE TO 14 OF THE 17 SDGS. COMPLEMENTING OUR EFFORT TO ALIGN IMPACT GOALS TO THE SDGS, FINCA VENTURES ASSESSES PORTFOLIO COMPANIES ACROSS THREE DIMENSIONS OF IMPACT WHICH ARE SCALE, DEPTH AND THE TARGET POVERTY LEVEL OF END-CUSTOMERS. SCALE AND DEPTH OF IMPACT HAVE INHERENT TRADEOFFS. KEEPING THESE TRADEOFFS IN MIND, FINCA VENTURES SUPPORTS PORTFOLIO COMPANIES ACROSS THIS SPECTRUM AS IT SEEKS TO MAXIMIZE PRODUCT AND SERVICE TO INCREASE SOCIAL IMPACT. FINCA VENTURES SUPPORTED 23 PORTFOLIO COMPANIES THAT DELIVERED LIFE-ENHANCING PRODUCTS AND SERVICES IN 32 COUNTRIES GLOBALLY IN 2022.IGNITIA: 2,421,152 SMALLHOLDER FARMERS RECEIVED ACCESS TO LOCAL WEATHER FORECASTS IN WEST AFRICA.EAST AFRICA FRUITS: 6,977 SMALLHOLDER FARMERS CONNECTED TO 7,440 SMALL, INFORMAL VENDORS IN TANZANIA, ALLOWING FOR BOTH GROUPS TO IMPROVE THEIR INCOMES.GOOD NATURE AGRO: 31,130 SMALLHOLDER FARMERS (44 PERCENT OF WHOM ARE FEMALE) REACHED IN ZAMBIA AND MALAWI.MERIDIA: 206,498 HECTARES MAPPED AND 18,238 SMALLHOLDER FARMERS PROVIDED WITH LAND DOCUMENTATION SINCE INCEPTION IN GHANA, COTE D'IVOIRE AND INDONESIA.YYTZ: 1,239 SMALLHOLDER FARMERS (65 PERCENT OF WHOM ARE FEMALE) RECEIVED HIGHER CASHEW PRICES IN TANZANIA.IMALIPAY: 71,695 GIG ECONOMY WORKERS PROVIDED WITH ACCESS TO SAVINGS AND LOAN PRODUCTS IN KENYA AND NIGERIA.KUUNDA: 92.9M DISBURSEMENTS, TOTALING $580.8M, TO OVER 4M REGISTERED MOBILE MONEY AGENTS AND CONSUMERS SINCE JANUARY 2020 IN TANZANIA.KWARA: 120 SACCO / CREDIT UNION CLIENTS FULLY DIGITIZED SERVING 125,664 END USERS IN KENYA.MDAAS GLOBAL: 122,773 PATIENTS (60 PERCENT OF WHOM ARE FEMALE) GAINED AFFORDABLE DIAGNOSTIC SERVICES IN NIGERIA.SISU GLOBAL: INCREASED GEOGRAPHIC SCOPE BY SELLING THE HEMAFUSE DEVICE THROUGH DISTRIBUTION PARTNERS IN KENYA, TANZANIA, GHANA, PAKISTAN AND DONATED TO UKRAINE HOSPITALS TO BE USED IN SURGERIES TO RECYCLE A PATIENT'S OWN BLOOD.SANIVATION: 996 METRIC TONS OF FECAL SLUDGE CONVERTED TO FUEL SUBSTITUTES, SAVING 19,872 TREES IN KENYA.JIBU: 117.9M LITERS OF CLEAN WATER PROVIDED TO CUSTOMERS AND 1,070 JOBS SUPPORTED THROUGH 160 FRANCHISES IN EAST AFRICA AND GHANA.AMPED INNOVATION: 27,049 FAMILIES BENEFITED FROM 2,966 MWH OF CLEAN ENERGY IN EAST AND WEST AFRICA.ENEZA EDUCATION: 1,117,898 ACTIVE LEARNERS PROVIDED WITH ACCESS TO DIGITAL CURRICULUMS IN KENYA.PENDA: 302,896 PATIENT VISITS AT ONE OF 19 AFFORDABLE PRIMARY CARE CLINICS IN KENYA.NATURELOCK: 108,732 PACKETS OF STEWSDAY PRODUCT SOLD, DRIVING FOOD WASTE REDUCTION FOR 500 SMALLHOLDER FARMERS IN KENYA.FLOATPAYS: 14,295 EMPLOYEES PROVIDED WITH EARLY WAGE ACCESS IN SOUTH AFRICA.RICULT: 356,000 SMALLHOLDER FARMERS IN PAKISTAN, THAILAND AND VIETNAM ACTIVELY USE THE RICULT FARMER APP TO ACCESS SATELLITE IMAGERY, WEATHER AND SOIL MAPS TO MAKE BETTER DECISIONS ON THEIR FARMS AND ACCESS INPUT FINANCING.CINCH: 174 SMALLHOLDER FARMERS (41 PERCENT OF WHOM ARE FEMALE) LEASED LAND TO CINCH TO EARN A MORE STABLE INCOME AND INCREASE THE PRODUCTIVITY OF THEIR LAND AND 475 CASUAL WORKERS SUPPORTED FIELD OPERATIONS.CHANZI: 10 MT OF FOOD WASTE A DAY PROCESSED USING BLACK SOLDIER FLIES TO PRODUCE NUTRITIOUS PROTEIN FOR ANIMAL FEED USED BY FARMERS AND FEED PROCESSORS IN TANZANIA AND KENYA.KENTASTE: 3,604 SMALLHOLDER FARMERS (26 PERCENT OF WHOM ARE FEMALE) RECEIVED CONSISTENT ACCESS TO MARKET FOR THEIR COCONUTS.CASSVITA: 500 SMALLHOLDER CASSAVA FARMERS (100 PERCENT OF WHOM ARE FEMALE) SAW AN AVERAGE INCREASE IN INCOME OF 400% AND A POST-HARVEST LOSS REDUCTION FROM 40% TO 5% AFTER SELLING TO CASSVITA IN CAMEROON.BAMBA: 4M INDIVIDUALS WERE INSURED IN MEXICO THROUGH BAMBA'S EMBEDDED INSURANCE PLATFORM. 8513223 12447579 FINCA KOSOVO BRANCH:FINCA KOSOVO ADHERES TO FINCA INTERNATIONAL'S MISSION OF ALLEVIATING POVERTY THROUGH LASTING SOLUTIONS THAT HELP PEOPLE BUILD ASSETS, CREATE JOBS AND RAISE THEIR STANDARD OF LIVING. FINCA KOSOVO, MANAGED UNDER FINCA IMPACT NETWORK, IS AN UNCONVENTIONAL COMMUNITY-BASED BANK THAT PROFITABLY AND RESPONSIBLY PROVIDES INNOVATIVE AND IMPACTFUL FINANCIAL SERVICES THAT ENABLE LOW-INCOME INDIVIDUALS AND COMMUNITIES TO INVEST IN THEIR FUTURES.FINCA KOSOVO PROVIDES FINANCIAL SERVICES TO CLIENTS THROUGH 30 BRANCHES THROUGH THESE SERVICE OUTLETS, AND ITS 265 EMPLOYEES, FINCA KOSOVO OFFERS THE FOLLOWING CREDIT PRODUCTS TO MICRO-ENTREPRENEURS: WOMEN ENTREPRENEUR LOAN, AGRICULTURAL LOAN, BUSINESS LOAN, HOME IMPROVEMENT LOAN, LIFE IMPROVEMENT LOAN, FAST LOAN, AND VEHICLE REGISTRATION LOAN.SINCE 2016, FINCA KOSOVO IS CERTIFIED BY THE SMART CAMPAIGN FOR 'CUSTOMER PROTECTION'. THIS OFFICIAL ACKNOWLEDGMENT WAS MADE AFTER AN IN-DEPTH ASSESSMENT OF ALL FINCA KOSOVO'S PROCESSES AND POLICIES AND HIGHLIGHTED FINCA'S SERIOUS COMMITMENT TO HIGH ETHICAL STANDARDS IN HANDLING ITS CLIENTS. FURTHERMORE, IN 2020, FINCA KOSOVO, ANNOUNCED ITS RECERTIFICATION FOR THE SECOND TIME BY MICROFINANZA RATING (MFR) WITH CLIENT PROTECTION CERTIFICATION. THIS AWARD IS AN ATTESTATION TO FINCA KOSOVO'S COMMITMENT TO CONTINUE UPHOLDING INDUSTRY-LEADING CLIENT PROTECTION STANDARDS IN PROVIDING RESPONSIBLE FINANCE AND IS COMMITTED TO HIGH ETHICAL STANDARDS IN THE TREATMENT OF ITS CLIENTS.BY DECEMBER 2022, FINCA KOSOVO'S CLIENTELE INCREASED TO 22,930 INDIVIDUALS, 2,217 MORE CLIENTS THAN THE SAME MONTH IN THE PREVIOUS YEAR. 26.2% OF THESE CLIENTS WERE WOMEN. THE TOTAL LOAN AMOUNT DISBURSED WAS OVER $56 MILLION IN 19,532 TOTAL LOANS DISBURSED. 8198763 428033 OTHER PROGRAM SERVICES 16711986 12875612 19663696 1 1 0 0 0 0 0 0 0 1 1 0 1 0 1 1 0 1 0 1 1 0 0 1 0 0 0 0 0 1 0 0 0 0 0 0 1 0 1 0 0 0 1 1 1 1 0 0 1 X 32 0 1 36 1 0 1 AF AJ AM CG EC GG GT HA HO JO KG KV MI NI NU PK TI TZ UG ZA 0 0 0 0 0 0 0 0 1 0 X 16 14 1 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 1 1 AK AL AR CA CO CT FL GA HI IL KS KY LA MA MD MI MN MS NC NH NJ NM NY OK OR PA RI SC TN UT VA WI X X KUO-WEI WANG 2026821510 1201 15TH ST NW 8TH FLOOR WASHINGTON DC 20005 RUPERT SCOFIELD PRESIDENT & CEO (DECD 11/22) 40.00 10.00 X X 1405949 0 438763 JULIE HOUSER DIRECTOR 30.00 0.00 X 51423 0 37209 JOHN HATCH DIRECTOR 5.00 0.00 X 72943 0 0 AGRINA MUSSA DIRECTOR 5.00 0.00 X 0 0 0 AVANTHI SHAH DIRECTOR 5.00 0.00 X 0 0 0 CATHERINE MOHR DIRECTOR 5.00 0.00 X 0 0 0 CHANDRESH HARJIVAN DIRECTOR 5.00 0.00 X 0 0 0 CHARLES TREVAIL DIRECTOR 5.00 0.00 X 0 0 0 DANIEL GREEN DIRECTOR 5.00 0.00 X 0 0 0 DANIELA MIELKE DIRECTOR 5.00 0.00 X 0 0 0 DAVID WEISMAN DIRECTOR 5.00 5.00 X 0 0 0 JAMES SEMAKADDE DIRECTOR 5.00 0.00 X 0 0 0 JOHN ELKINS DIRECTOR 5.00 5.00 X 0 0 0 JORDAN GREENAWAY DIRECTOR 5.00 0.00 X 0 0 0 RICHARD WILLIAMSON DIRECTOR 5.00 5.00 X 0 0 0 ROBERT HATCH CHAIRMAN 5.00 5.00 X 0 0 0 SHAWN HASSEL DIRECTOR 5.00 5.00 X 0 0 0 KUO-WEI WANG VP OF FINANCE 40.00 0.00 X 186198 0 15683 COLLEEN ZAKREWSKY SVP, DEVELOP & EXT. RELATIONS 40.00 0.00 X 245453 0 33886 OMER IMTIAZUDDIN MANAGING DIRECTOR - FINCA VENTURES 40.00 0.00 X 238100 0 4762 DREW BOSHELL EXECUTIVE DIRECTOR AFFILIATE 40.00 0.00 X 207066 0 22822 STEFAN GRUNDMANN CHIEF OPERATING OFFICER 40.00 0.00 X 197194 0 24837 SCOTT GRAHAM VP OF CUSTOMER RESEARCH 40.00 0.00 X 170291 0 28842 ROBERT PRICE SENIOR DIRECTOR - DIRECT MARKETING 40.00 0.00 X 136918 0 53447 2911535 0 660251 16 0 1 0 INTEGRATED DIRECT MARKETING 1250 CONNECTICUT AVENUE NW STE 20 WASHINGTON DC 20036 ADVERTISING AND PROMOTION 3925468 THE MATALE LINE 501 CONEJO ROAD SANTA BARBARA CA 93103 MARKETING AND BRANDING CONSULTING 552493 MICROSOFT CORPORATION 1950 N STEMMONS FWY DALLAS TX 75207 IT AND SOFTWARE SERVICES 544018 NAMES IN THE NEWS 180 GRAND AVENUE SUITE 1365 OAKLAND CA 94612 DIRECT MAIL LIST RENTAL AND EXCHANGE BRO 284066 DELOITTE AND TOUCHE LLP 7900 TYSONS ONE PLACE SUITE 800 MCLEAN VA 22102 AUDIT AND TAX SERVICES 246900 10 838505 17915448 1516764 18753953 BRANCH REVENUE-KOSOVO 900099 12447579 12447579 FINCA VENTURES INTERES 900099 1395438 1395438 MANAGEMENT FEES 900099 226221 226221 OTHER PROGRAM SERVICES 900099 201812 201812 FINCA IMPACT FINANCE 522299 -12603537 -12603537 1667513 109178 109178 720329 931895 -211566 -211566 -211566 1576057 788767 787290 787290 21106368 1667513 0 684902 X 2487507 1592677 354028 540802 6384723 5337834 414188 632701 148135 94846 21083 32206 1271042 1056671 84812 129559 276261 176882 39318 60061 506272 506272 83490 71716 2787 8987 300299 206857 22121 71321 10324 10324 2867509 1956995 910514 806632 623358 32080 151194 2991134 1636042 22455 1332637 254635 254635 313905 313905 728207 669416 25889 32902 320567 256433 9918 54216 2006071 1961897 30370 13804 840439 762731 53424 24284 191325 111234 55063 25028 LICENSE AND SUBSCRIPTIO 1407077 774497 353083 279497 PROVISION FOR LOAN LOSS 715528 715528 FUNDRAISING EXPENSES 385200 385200 MOTOR VEHICLE EXPENSE 201382 201382 463957 381888 55639 26430 25961621 19663696 2486772 3811153 14582315 18330167 945452 1117619 2480694 2382008 3144681 3426726 65099416 72430404 887895 0 2292182 1441311 1153138 850871 111002659 99941049 146514 637981 4738340 3742836 204181104 202859661 2965825 3260558 215817 164311 40347025 45978640 9046286 8111925 52574953 57515434 X 150025087 143687508 1581064 1656719 151606151 145344227 204181104 202859661 X -4855253 -351977 -1054694 X 0 1 X 1 0 X 16676131 20080711 17180175 19987198 18753953 92678168 16676131 20080711 17180175 19987198 18753953 92678168 1725082 90953086 3860797 928068 964717 1024089 829507 7607178 0 0 0 0 0 12026377 17521136 -631423 -16119962 2454803 15250931 115536277 0.78720 0.69420 X SCHEDULE A, PART II, LINE 10, EXPLANATION OF OTHER INCOME: FINCA KOSOVO BRANCH INCOME - 2018 AMOUNT: $ 11,756,927. 2019 AMOUNT: $ 12,370,031. 2020 AMOUNT: $ 12,001,232. 2021 AMOUNT: $ 14,245,024. 2022 AMOUNT: $ 12,447,579. FI MANAGEMENT FEES NET EQUITY METHOD ADJ - 2018 AMOUNT: $ 136,297. 2019 AMOUNT: $ 185,105. 2020 AMOUNT: $ 258,788. 2021 AMOUNT: $ 203,745. 2022 AMOUNT: $ 226,221. FI OTHER INCOME - 2018 AMOUNT: $ 86,606. 2019 AMOUNT: $ 94,735. 2020 AMOUNT: $ 88,568. 2021 AMOUNT: $ 114,671. 2022 AMOUNT: $ 201,812. FINCA PLUS OTHER INCOME - 2018 AMOUNT: $ 525. 2019 AMOUNT: $ -510. 2020 AMOUNT: $ 5,394. 2021 AMOUNT: $ 0. 2022 AMOUNT: $ 0. FINCA PLUS SALES NET OF COGS - 2018 AMOUNT: $ 46,022. 2019 AMOUNT: $ 589,970. 2020 AMOUNT: $ 692,877. 2021 AMOUNT: $ 877,742. 2022 AMOUNT: $ 787,290. FMH PROGRAM INCOME - 2019 AMOUNT: $ 4,233,879. 2020 AMOUNT: $ -13,725,249. 2021 AMOUNT: $ -31,851,974. 2022 AMOUNT: $ -12,603,537. FINCA VENTURES INCOME - 2019 AMOUNT: $ 47,926. 2020 AMOUNT: $ 46,967. 2021 AMOUNT: $ 290,830. 2022 AMOUNT: $ 1,395,438. RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 907730 -109182 798548 857082 14728 35920 907730 828405 28677 857082 0.00000 1.00000 0.00000 0 0 2292182 1441311 850871 850871 INVESTMENT IN PARTNERSHIP AND SUBS 92705866 C INVESTMENT IN LLC 7235183 C 99941049 IFRS 16 LEASE OBLIGATION 4785710 DEFERRED PENSION OBLIGATION 3277603 OTHER INTERCOMPANY PAYABLES 48612 8111925 X PART V, LINE 4: THE ENDOWMENT FUNDS WERE ESTABLISHED TO KEEP THE PRINCIPAL INTACT SO IT CAN GROW OVER TIME, BUT ALLOW THE ORGANIZATION TO USE THE INVESTMENT INCOME FOR PROGRAMS, OR OPERATIONS, OR PURPOSES SPECIFIED BY THE DONOR(S) TO THE ENDOWMENT. PART X, LINE 2: FINCA INTERNATIONAL, INC. ISSUES CONSOLIDATED FINANCIAL STATEMENTS ON BEHALF OF ITSELF AND ITS AFFILIATES. THE INCOME TAX FOOTNOTE AND FIN48 DISCLOSURE INCLUDED IN THE CONSOLIDATED FINANCIAL STATEMENTS REFLECTS TAX RELATED ITEMS FOR ALL ENTITIES INCLUDED IN THE CONSOLIDATED FINANCIAL STATEMENTS (INCLUDING BOTH TAX EXEMPT AND FOR-PROFIT ENTITIES). FINCA IS EXEMPT FROM TAXES ON INCOME, EXCEPT UNRELATED BUSINESS TAXABLE INCOME, UNDER PROVISION OF SECTION 501(C)(3) OF THE UNITED STATES INTERNAL REVENUE CODE AND THE APPLICABLE INCOME TAX REGULATIONS OF THE DISTRICT OF COLUMBIA. ACCORDINGLY, NO PROVISION IS MADE FOR FEDERAL INCOME TAXES IN THE CONSOLIDATED FINANCIAL STATEMENTS. THE MOVEMENTS IN DEFERRED TAX ASSETS AND LIABILITIES (THE BALANCES ARE OFFSET WITHIN THE SAME JURISDICTION AS PERMITTED BY IAS 12, INCOME TAXES, AND SHOWN ON A NET BASIS BY SUBSIDIARIES), DETAILS OF THE DEFERRED TAX LIABILITY, AMOUNTS CHARGED OR CREDITED DIRECTLY TO PROFIT OR LOSS DURING THE PERIOD, AND AMOUNTS CHARGED OR CREDITED DIRECTLY TO EQUITY DURING THE PERIOD ARE SHOWN BELOW. IN 2022, FINCA RECORDED $1.2 MILLION OF INCOME TAX EXPENSE ON $6.7 MILLION OF TEMPORARY DIFFERENCES ASSOCIATED WITH FINCA'S INVESTMENTS IN SUBSIDIARIES BECAUSE IT WAS PROBABLE THAT THE TEMPORARY DIFFERENCES ASSOCIATED WITH THE DISTRIBUTION OF RETAINED EARNINGS THROUGH PAYMENTS OF DIVIDENDS WILL REVERSE IN THE FORESEEABLE FUTURE. THE TEMPORARY DIFFERENCES OF $6.7 MILLION INCLUDED $9.5 MILLION OF EXPECTED DISTRIBUTIONS OF RETAINED EARNINGS FROM 2022 AND $(2.8) MILLION FOR A DECREASE OF EXPECTED DISTRIBUTIONS OF RETAINED EARNINGS FROM PRIOR YEARS. IN 2021, FINCA RECORDED $1.3 MILLION OF INCOME TAX EXPENSE ON $9.6 MILLION OF TEMPORARY DIFFERENCES ASSOCIATED WITH FINCA'S INVESTMENTS IN SUBSIDIARIES BECAUSE IT WAS PROBABLE THAT THE TEMPORARY DIFFERENCES ASSOCIATED WITH THE DISTRIBUTION OF RETAINED EARNINGS THROUGH PAYMENTS OF DIVIDENDS WILL REVERSE IN THE FORESEEABLE FUTURE. THE TEMPORARY DIFFERENCES OF $9.63 MILLION INCLUDED $10.6 MILLION OF EXPECTED DISTRIBUTIONS OF RETAINED EARNINGS FROM 2021 AND $(0.97) MILLION FOR A DECREASE OF EXPECTED DISTRIBUTIONS OF RETAINED EARNINGS FROM PRIOR YEARS. THE DEFERRED TAX LIABILITY RELATED TO THE FUTURE DISTRIBUTIONS OF EARNINGS BY SUBSIDIARIES IS $1.3 MILLION AND $1.5 MILLION AS OF DECEMBER 31, 2022 AND 2021, RESPECTIVELY. DEFERRED TAX ASSETS AND LIABILITIES WERE ADJUSTED AS OF JANUARY 1, 2018 AS PER IFRS 9. ALL ADJUSTMENTS RESULTED IN CHANGES TO EQUITY. SUB-SAHARAN AFRICA 10 213 PROGRAM SERVICES FINANCIAL SERVICES 446376 EUROPE (INCLUDING ICELAND & GREENLAND) 31 260 PROGRAM SERVICES FINANCIAL SERVICES 8588223 CENTRAL AMERICA AND THE CARIBBEAN 0 0 PROGRAM SERVICES FINANCIAL SERVICES 87379 41 473 0 0 41 473 9121978 0 9121978 1 0 1 0 0 0 PART III ACCOUNTING METHOD: PART I, LINE 3: METHOD USED TO ACCOUNT FOR EXPENDITURES: ACCRUAL METHOD X X X X X X 1 SD&A TELESERVICES 5757 W CENTURY BLVD 300 LOS ANGELES CA 90045 TELEMARKETING 0 11405 10324 1081 11405 10324 1081 AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY X 1 1 X X X 1 0 0 0 0 0 0 0 0 RUPERT SCOFIELD PRESIDENT & CEO (DECD 11/22) 365022 0 0 0 1040927 0 398060 0 40703 0 1844712 0 0 0 COLLEEN ZAKREWSKY SVP, DEVELOP & EXT. RELATIONS 244253 0 0 0 1200 0 12361 0 21525 0 279339 0 0 0 OMER IMTIAZUDDIN MANAGING DIRECTOR - FINCA VENTURES 236900 0 0 0 1200 0 4762 0 0 0 242862 0 0 0 DREW BOSHELL EXECUTIVE DIRECTOR AFFILIATE 207066 0 0 0 0 0 0 0 22822 0 229888 0 0 0 STEFAN GRUNDMANN CHIEF OPERATING OFFICER 195994 0 0 0 1200 0 10117 0 14720 0 222031 0 0 0 KUO-WEI WANG VP OF FINANCE 184998 0 0 0 1200 0 3448 0 12235 0 201881 0 0 0 SCOTT GRAHAM VP OF CUSTOMER RESEARCH 169091 0 0 0 1200 0 13773 0 15069 0 199133 0 0 0 ROBERT PRICE SENIOR DIRECTOR - DIRECT MARKETING 136918 0 0 0 0 0 11596 0 41851 0 190365 0 0 0 COMPENSATION OF MR. RUPERT SCOFIELD, PRESIDENT AND CEO (DECEASED NOV 2022): SCHEDULE J, PART I, LINE 1A & 4B EXPLANATION: MR. SCOFIELD, THE FOUNDER AND CEO OF FINCA INTERNATIONAL, WAS EMPLOYED BY THE ORGANIZATION FOR MORE THAN 35 YEARS. AS HE APPROACHED RETIREMENT, FINCA AND MR. SCOFIELD AGREED ON A CONTINUING ROLE FOR MR. SCOFIELD ONCE HE STEPPED DOWN FROM HIS POSITION OF PRESIDENT & CEO THAT WOULD ALLOW THE ORGANIZATION TO CONTINUE TO BENEFIT FROM MR. SCOFIELD'S EXPERIENCE AND VISIBILITY AS A RECOGNIZED GLOBAL LEADER IN MICROFINANCE. FOLLOWING RETIREMENT, WHICH WAS SCHEDULED FOR DECEMBER 31, 2022, MR. SCOFIELD WOULD BECOME A CONSULTANT TO THE ORGANIZATION, ACTING AS AN AMBASSADOR FOR FINCA AND CONTINUING TO PROMOTE THE INTERESTS OF THE ORGANIZATION. IN EXCHANGE FOR THIS ONGOING ROLE OVER THE COMING YEARS, THE ORGANIZATION AGREED TO PAY MR. SCOFIELD THE EQUIVALENT OF ONE YEAR OF SALARY AT THIS CURRENT COMPENSATION LEVEL OF $375,000, WITH A RIGHT OF HIS BENEFICIARY TO RECEIVE ANY UNPAID AMOUNTS IN THE EVENT OF HIS DEATH. THE ORGANIZATION'S BOARD DETERMINED THAT THIS LEVEL OF COMPENSATION FOR MR. SCOFIELD WAS REASONABLE BY TAKING INTO ACCOUNT VARIOUS PUBLIC REFERENCES OF EXECUTIVE COMPENSATION FOR SIMILAR ORGANIZATIONS, INCLUDING THE EXCELLENCE IN GIVING NON-PROFIT CEO COMPENSATION STUDY 2020-21, WHICH FOUND THAT CEO'S FOR COMPARABLE NON-PROFITS WITH EXPENSES EXCEEDING $50 MILLION PER YEAR EARNED ON AVERAGE $402,366. THIS STUDY WAS BASED ON A SURVEY OF 31 NON-PROFITS IN THAT CATEGORY. IT WAS ALSO NOTED THAT THE ORGANIZATION "CANDID" (FORMERLY GUIDESTAR AND FOUNDATION CENTER) CONDUCTED A CEO SALARY SURVEY IN 2021 THAT FOUND WASHINGTON, D.C. TO BE THE HIGHEST MARKET NATIONALLY FOR NON-PROFIT CEO COMPENSATION (BASED ON MEDIAN EXECUTIVE COMPENSATION). THE BOARD FURTHER NOTED THAT MR. SCOFIELD'S COMPENSATION HAD NOT BEEN INCREASED SINCE 2015, A PERIOD OF SEVEN YEARS, AND WOULD REMAIN AT THAT 2015 LEVEL. AS PART OF THE COMPENSATION PACKAGE TO ENSURE MR. SCOFIELD'S CONTINUING SERVICES, THE ORGANIZATION ALSO AGREED TO INCREASE THE BENEFITS UNDER MR. SCOFIELD'S SEC. 457(F) PLAN FROM ITS CURRENT LEVEL OF $35,000/YEAR TO A LEVEL OF $100,000/YEAR. THE INCREASE WAS BASED ON THE BOARD'S RECOGNITION THAT MR. SCOFIELD'S CURRENT PLAN DATED BACK TO 2006 AND WAS NO LONGER IN LINE WITH NON-QUALIFIED PLAN BENEFITS PAID TO OTHER RETIRED SENIOR EXECUTIVES OF THE ORGANIZATION WHO HAD RETIRED BELOW THE LEVEL OF CEO, AND DID NOT RECOGNIZE MR. SCOFIELD'S ADDITIONAL SIXTEEN YEARS OF SERVICE SINCE 2006. TO ADDRESS THIS DISCREPANCY, THE BOARD AGREED TO THE INCREASE IN HIS NON-QUALIFIED PLAN AS WELL AS A TAX GROSS-UP. THE PRESENT VALUE OF THE RETIREMENT BENEFITS (WITH TAX GROSS-UP) OF $1,024,854 WAS INCLUDED IN MR. SCOFIELD'S 2022 W-2, AND IT IS INCLUDED IN COLUMN (D) OF PART VII OF FORM 990. BASED ON THE ANALYSIS AND MARKET-BASED CONSIDERATIONS ABOVE, THE BOARD OF FINCA INTERNATIONAL CONCLUDED THAT TOTAL 2022 COMPENSATION PAID TO MR. SCOFIELD (AND HIS ESTATE) WAS REASONABLE AND THEREFORE SHOULD NOT BE CONSIDERED AN "EXCESS BENEFIT TRANSACTION" UNDER SECTION 4958. JULIE HOUSER FAMILY MEMBER, CEO 88632 EMPLOYMENT 0 RUPERT SCOFIELD FAMILY MEMBER, DIRECTOR 1844712 EMPLOYMENT 0 X 48 517052 COST OR SELLING PRICE X SOFTWARE LICENSE 1 999688 OTHER X CRYPTOCURRENCY 1 24 COST OR SELLING PRIC 0 1 1 PART I, COLUMN (B): A COMBINATION OF BOTH. PART I, LINE 32B: FINCA USES CHARLES SCHWAB BROKERAGE SERVICES TO SELL DONATED SECURITIES. FORM 990, PART VI, SECTION A, LINE 2 THE CHAIRMAN OF FINCA INTERNATIONAL'S BOARD OF DIRECTORS, ROBERT W. HATCH, HAS A FAMILY RELATIONSHIP WITH THE FOUNDER, JOHN HATCH, WHO IS ALSO A DIRECTOR AND RETIRED EMPLOYEE OF THE ORGANIZATION. FINCA INTERNATIONAL DIRECTORS RICHARD WILLIAMSON AND RUPERT SCOFIELD ARE BOTH MEMBERS OF THE BOARD OF DIRECTORS AND MINOR SHAREHOLDERS OF CEREAL INGREDIENTS, INC. WHICH IS OWNED BY ROBERT HATCH. JOHN HATCH IS ALSO A MINOR SHAREHOLDER OF CEREAL INGREDIENTS BUT NOT A DIRECTOR. FORM 990, PART VI, SECTION A, LINE 6 PER FINCA INTERNATIONAL'S CONSTITUENT DOCUMENTS, MEMBERS ARE THE FUNCTIONAL EQUIVALENT OF SHAREHOLDERS BUT HOLD NO ECONOMIC INTEREST. THEY ACT AS STEWARDS OF THE CHARITABLE MISSION AND SERVE AS THE ULTIMATE GOVERNANCE AUTHORITY OF THE ORGANIZATION. FINCA INTERNATIONAL HAS 4 (FOUR) MEMBERS, EACH OF WHOM HAVE EQUAL VOTING RIGHTS AND DEVOTE CONSIDERABLE TIME AND ATTENTION TO ITS ACTIVITIES. MEMBERSHIPS IN FINCA INTERNATIONAL ARE NOT SOLD AS FUNDRAISING MECHANISMS. FORM 990, PART VI, SECTION A, LINE 7A PER THE BYLAWS OF THE ORGANIZATION, THE MEMBERS HAVE POWER TO MAKE APPOINTMENTS TO, ACCEPT RESIGNATIONS, MAKE SUBSTITUTIONS FOR, AND REMOVE PERSONS FROM THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION A, LINE 7B CERTAIN KEY DECISIONS OF THE BOARD OF DIRECTORS (FINCA INTERNATIONAL'S GOVERNING BODY) ARE SUBJECT TO THE APPROVAL OF THE MEMBERS OF THE ORGANIZATION. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS PRESENTED TO THE 990 REVIEW TEAM COMPOSED OF THE AUDIT COMMITTEE AND REPRESENTATIVES FROM MANAGEMENT TEAM, FINANCE AND LEGAL. THE REVIEW TEAM SURVEYS THE DOCUMENT AND A MEETING IS SCHEDULED TO DISCUSS ANY QUESTIONS WITH THE CFO. REVIEWING PROCESS INCLUDES SURVEYING SECTIONS, SCHEDULES, CHECKLISTS AND DISCLOSURES OF THE RETURN PLUS CORRESPONDING APPROVALS. FORM 990, PART VI, SECTION B, LINE 12C OFFICERS, DIRECTORS AND KEY EMPLOYEES ARE REQUIRED TO DISCLOSE ANY CONFLICTS OF INTERESTS ON AN ONGOING BASIS. CONFLICT OF INTERESTS ARE PROHIBITED BY FINCA INTERNATIONAL'S CODE OF CONDUCT AND EMPLOYEE HANDBOOK, SUBJECT TO EXCEPTIONS BASED BY AN INDEPENDENT AUDIT COMMITTEE. CONFLICTS, INCLUDING RELATED PARTY TRANSACTIONS, ARE STRONGLY DISCOURAGED AND APPROVED, IF AT ALL, IN EXCEPTIONAL CASES. THE PROCESS IS MONITORED THROUGH ACKNOWLEDGEMENT OF THE POLICY PROHIBITING AND REQUIRING REPORTING OF ANY CONFLICTS, ALONG WITH INTERNAL AUDITS AND OTHER CONTROLS (INCLUDING THE CONTRACT REVIEW PROCESS). THE FINCA CODE OF CONDUCT, APPLICABLE TO ALL FINCA PERSONS GLOBALLY, PROVIDES A CONFIDENTIAL REPORTING MECHANISM ("HOTLINE") FOR REPORTING VIOLATIONS OF THE CODE, INCLUDING OF INTERESTS. FORM 990, PART VI, SECTION B, LINE 15 COMPENSATION FOR THE PRESIDENT & CEO IS DETERMINED ANNUALLY BY THE EXECUTIVE COMMITTEE. THE PRESIDENT & CEO RECUSES HIMSELF FROM THAT CONVERSATION. MR. SCOFIELD PASSED AWAY IN NOVEMBER 2022. THE EXECUTIVE COMMITTEE HAD A SPECIAL MEETING TO APPROVE THE DEATH BENEFITS PAID TO MR. SCOFIELD'S ESTATE. THE PROCESS FOR DETERMINING ALL OFFICERS' COMPENSATION IS PERFORMED BY THE HUMAN RESOURCES DEPARTMENT AND REVIEWED AND APPROVED BY THE BOARD OF DIRECTORS EXECUTIVE COMMITTEE. THE PROCESS INCLUDES A REVIEW OF OTHER FORM 990S AND COMPENSATION SURVEYS, AND THERE IS CONTEMPORANEOUS SUBSTANTIATION OF THE DELIBERATION AND DECISION. THE REVIEW IS PERFORMED ANNUALLY. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICTS OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE GENERAL PUBLIC UPON REQUEST AND ON ITS OWN WEBSITE. FORM 990, PART IX, LINE 11G OTHER PROFESSIONAL SERVICES: PROGRAM SERVICE EXPENSES 1,956,995. MANAGEMENT AND GENERAL EXPENSES 910,514. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 2,867,509. FORM 990, PART XI, LINE 9: ACTUARIAL GAINS (LOSSES) IN DEFINED BENEFIT PENSION PLAN, NET OF TAX 710,470. CURRENCY TRANSLATION ADJUSTMENTS -1,836,957. RESERVE ADJUSTMENT 71,793. 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