2015-11-02T09:22:50-06:00 2014-12-31 861065772 DELOITTE TAX LLP 7900 TYSONS ONE PLACE SUITE 800 MCLEAN VA 22102 990 2014-01-01 133240109 FINCA INTERNATIONAL INC FINC 2026821510 1201 15TH ST NW 8TH FLOOR WASHINGTON DC 20005 ROMAN HINGORANI CHIEF FINANCIAL OFFICER 2026821510 2015-11-02 1 YVETTE L WOODS P00364424 7032511000 2014 2016-03-07 17:11:31Z RUPERT W SCOFIELD 1201 15TH ST NW 8TH FLOOR WASHINGTON DC 20005 66590581 0 X WWW.FINCA.ORG X 1984 NY ALLEVIATE POVERTY BY HELPING PEOPLE BUILD ASSETS, CREATE JOBS AND RAISE STANDARD OF LIVING 13 11 192 69 84425 38463 27525208 25288005 31763541 32682014 8044174 3325221 4869734 5295341 72202657 66590581 0 0 0 0 26175290 26487471 336715 289592 3033924 37657615 34638294 64169620 61415357 8033037 5175224 127327680 135162784 50743270 52104204 76584410 83058580 FINCA'S MISSION IS TO ALLEVIATE POVERTY THROUGH LASTING SOLUTIONS THAT HELP PEOPLE BUILD ASSETS, CREATE JOBS, AND RAISE THEIR STANDARD OF LIVING. 0 0 47442732 0 37892930 FINANCIAL ACCESS: AS OF DECEMBER 31, 2014, FINCA INTERNATIONAL AND ITS AFFILIATES PROVIDED MORE THAN 1.8 MILLION INDIVIDUALS ACROSS 23 COUNTRIES IN AFRICA, EURASIA, LATIN AMERICA, THE MIDDLE EAST, AND SOUTHERN ASIA WITH LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES DESIGNED TO HELP THEM BUILD THEIR SMALL BUSINESSES AND IMPROVE THEIR OWN PROSPECTS AND THE LIVES OF THEIR DEPENDENTS. SEE SCHEDULE O FOR MORE DETAILED INFORMATION. 47442732 1 1 0 0 0 0 0 0 0 0 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 1 0 1 X 72 0 1 192 1 1 0 1 AF AM AJ CJ CG ES GG GM GT HA HO JO KV KG MI MX NL NU PK RS TI TZ UG ZA EC NI 0 0 0 0 0 0 0 0 0 X 13 11 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 CT FL GA HI IL KS KY LA MA MD MI MS MN NJ NH NM NV NY OK OR PA RI SC TN UT VA VT WA WI WV WY X X ROMAN HINGORANI CFO 2026821510 1201 15TH ST NW 8TH FLOOR WASHINGTON DC 20005 X ROBERT W HATCH CHAIRMAN 10.00 X 0 0 0 JOHN K HATCH DIRECTOR 10.00 X 74563 0 0 RICHARD M WILLIAMSON DIRECTOR 5.00 X 0 0 0 CARLOS CAMACHO SR DIRECTOR 5.00 X 0 0 0 JOHN ELKINS DIRECTOR 5.00 X 0 0 0 JOANN FIELD DIRECTOR 5.00 X 0 0 0 SHAWN HASSEL DIRECTOR 5.00 X 0 0 0 AGRINA MUSSA DIRECTOR 5.00 X 0 0 0 JAMES SEMAKADDE DIRECTOR 5.00 X 0 0 0 DAVID E WEISMAN DIRECTOR 5.00 X 0 0 0 RITA E SPILLMAN DIRECTOR 5.00 X 0 0 0 HAROLD D JASTRAM DIRECTOR 5.00 X 0 0 0 RUPERT W SCOFIELD PRESIDENT & CEO 50.00 X X 1393106 0 28697 ANDREE SIMON VP & COO 50.00 X 296438 0 22568 MASOOD AZIZ VP & CHIEF RISK OFFICER 50.00 X 207218 0 24049 VOLKER RENNER VP - CREDIT & SAVINGS 50.00 X 0 0 70849 P DANIEL SMITH VP & GENERAL COUNSEL 50.00 X 304146 0 18150 DANE S MCGUIRE VP & CFO 50.00 X 346430 0 16744 SOLEDAD GOMPF VP - NEW BUSINESS DEV 50.00 X 189125 0 479652 GWEN ANDREOTTI VP - KNOWLEDGE MGMT 50.00 X 188062 0 165361 BRAULIO OLIVEIRA VP & CIO 50.00 X 249780 0 37023 JEFFREY A FLOWERS VP - REGIONAL DIRECTOR 50.00 X 215065 0 27431 MICHAEL A GAMA-LOBO VP - REGIONAL DIRECTOR 50.00 X 274036 0 34294 SONAL GANDHI VP & DEPUTY TO CEO 50.00 X 206463 0 47628 JAMES LEMKE VP - HUMAN RESOURCES 50.00 X 216994 0 17280 SCOTT TINDALL DIRECTOR - TREAS SERV 50.00 X 181909 0 21164 CHIKAKO KUNO DIRECTOR, TEMA 50.00 X 277825 0 20555 STEFAN QUECK VP - REGIONAL DIRECTOR 50.00 X 218045 0 22007 RONALD AIZER DEPUTY CFO 50.00 X 225114 0 9975 ZARLASHT WARDAK VP - REGIONAL DIRECTOR 50.00 X 299723 0 9891 PHILIP BROUGHTON LOCAL COUNTRY CEO 50.00 X 197713 0 32704 EMILIO GHERSI DIRECTOR, CAP. MARKETS 50.00 X 192439 0 27376 JEREMY DANFORD GLOBAL TAX DIRECTOR 50.00 X 189502 0 9262 MARIA VILELA DPTY GENERAL COUNSEL 50.00 X 179181 0 28656 STEPHANIE BAGOT SR. CORP. ATTY. 50.00 X 178703 0 9469 LEONARDO POLIT FORMER KEY EMPLOYEE 50.00 X 170965 0 33501 YURIY SHULHAN FORMER OFFICER 50.00 X 143121 0 17186 6615666 0 1231472 57 1 1 0 THE PRODUCTION ADVANTAGE INC 13873 PARK CENTER ROAD STE 15 OAK HILL VA 20171 PRINTING AND MAILING 2972737 PRICE WATERHOUSE COOPERS LLP 1800 TYSONS BOULEVARD MCLEAN VA 22102 CONSULTING SERVICES 353958 DELOITTE & TOUCHE LLP 7900 TYSONS ONE PLACE STE 800 MCLEAN VA 221024219 CONSULTING SERVICES 321290 NAMES IN THE NEWS 180 GRAND AVENUE STE 1545 OAKLAND CA 946123799 MARKETING 312491 EAFS CONSULTING GMBH ALTROTTSTR 31 WALDORF GM D-69190 CONSULTING SERVICES 264547 21 7283997 18004008 3246098 25288005 MANAGEMENT FEES 900099 20661091 20661091 AFFIL LOAN PORT. REV. 900099 6937541 6937541 INTEREST REV -BRANCHES 522298 5040059 5040059 OTHER REVENUE 900099 43323 43323 32682014 3325221 3325221 5210916 5210916 INSURANCE INCOME - UBI 524298 84425 84425 84425 66590581 37892930 84425 3325221 4872401 3782746 1056118 33537 71469 24363 47106 16021033 12219760 3285485 515788 335819 177220 145437 13162 4134645 2445751 1561993 126901 1052104 617305 401836 32963 348932 348932 164221 82523 81698 1534526 1072157 462369 289592 289592 4656522 3255728 776264 624530 154325 152945 1380 4639931 2730072 547004 1362855 3789797 3519769 270028 2216494 1199991 1016503 2978798 2520887 389796 68115 362361 164115 197456 790 3238484 3238484 302382 261406 40976 107095 19839 87256 LOAN CAPITAL 4561513 4561513 FOREIGN WITHHOLDING TAX 1281772 1281772 UBI TAX 10962 10962 ALLLOCATION OF INDIRECT 0 170673 -170673 4290179 3583819 740669 -34309 61415357 47442732 10938701 3033924 12230447 9387640 4448505 6702921 3299683 2611426 4723451 2963818 28763040 24425835 762631 26413 3742670 1884803 2113127 1857867 9607 8457 70666530 86934071 281840 159272 28819 85064 127327680 135162784 13096451 10200323 3825116 5106323 28125707 29080033 5695996 7717525 50743270 52104204 X 74862003 81842777 1722407 1215803 0 76584410 83058580 127327680 135162784 X 5175224 106645 1192301 X X 0 1 X 1 1 1 X 19228973 25743712 18743053 27525208 22225233 113466179 19228973 25743712 18743053 27525208 22225233 113466179 2743642 110722537 1389351 6116999 12559057 12793365 8536137 41394909 3681 38275 23580 37604 43735 146875 506342 2435260 2941602 157949565 121469566 0.70100 0.69470 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 1886386 236138 1650248 1856284 1648665 207619 1857867 INVESTMENT IN PARTNERSHIP AND SUBS 86934071 C 86934071 DEFERRED DEFINED PENSION OBLIGATION 4618476 OTHER LIABILITIES 3099049 7717525 X PART X, LINE 2: FINCA RECORDS UNRECOGNIZED TAX BENEFITS AS LIABILITIES IN ACCORDANCE WITH ASC 740 AND ADJUSTS THESE LIABILITIES WHEN ITS JUDGMENT CHANGES AS A RESULT OF THE EVALUATION OF NEW INFORMATION NOT PREVIOUSLY AVAILABLE. BECAUSE OF THE COMPLEXITY OF SOME OF THESE UNCERTAINTIES, THE ULTIMATE RESOLUTION MAY RESULT IN A PAYMENT THAT IS MATERIALLY DIFFERENT FROM OUR CURRENT ESTIMATE OF THE UNRECOGNIZED TAX BENEFIT LIABILITIES. THESE DIFFERENCES WILL BE REFLECTED AS INCREASES OR DECREASES TO INCOME TAX EXPENSE IN THE PERIOD IN WHICH NEW INFORMATION IS AVAILABLE. AT DECEMBER 31, 2014, FINCA DID NOT RECORD ANY UNRECOGNIZED TAX BENEFITS. FINCA BELIEVES THAT IT IS NOT REASONABLY POSSIBLE THAT ANY UNRECOGNIZED TAX BENEFITS WILL SIGNIFICANTLY INCREASE OR DECREASE WITHIN 12 MONTHS OF THE REPORTING DATE. AT DECEMBER 31, 2014, THE ESTIMATED INTEREST AND PENALTIES OF $0.2 MILLION RELATED TO THE UNRECOGNIZED TAX BENEFIT ON THE TRANSFER OF A FOREIGN SUBSIDIARY AS PART OF FINCA'S 2011 REORGANIZATION ARE NOT INCLUDED IN THE INCOME TAX EXPENSE LINE ITEM, BUT ARE ACCRUED IN THE OTHER OPERATING EXPENSES UNDER GENERAL AND ADMINISTRATIVE EXPENSES IN THE CONSOLIDATED STATEMENT OF ACTIVITIES. ACCRUED INTEREST AND PENALTIES ARE INCLUDED WITHIN THE RELATED ACCRUED LIABILITIES LINE IN THE CONSOLIDATED STATEMENTS OF FINANCIAL POSITION. FINCA IS SUBJECT TO TAXATION IN THE UNITED STATES AND VARIOUS STATES AND FOREIGN JURISDICTIONS. AS OF DECEMBER 31, 2014, FINCA'S TAX YEARS OF 2008-2014 ARE SUBJECT TO EXAMINATION BY THE TAX AUTHORITIES. CENTRAL AMERICA & THE CARIBBEAN 1 1 PROGRAM SERVICES FINANCIAL SERVICES FOR THE POOR 4059870 SUB-SAHARAN AFRICA 4 13 PROGRAM SERVICES FINANCIAL SERVICES FOR THE POOR 9959195 EUROPE (INCLUDING ICELAND & GREENLAND) 3 161 PROGRAM SERVICES FINANCIAL SERVICES FOR THE POOR 5031041 RUSSIA & THE NEWLY INDEPENDENT STATES 4 6 PROGRAM SERVICES FINANCIAL SERVICES FOR THE POOR 2693807 SOUTH AMERICA 1 1 PROGRAM SERVICES FINANCIAL SERVICES FOR THE POOR 174765 SOUTH ASIA 2 7 PROGRAM SERVICES FINANCIAL SERVICES FOR THE POOR 768717 NORTH AMERICA 1 1 PROGRAM SERVICES FINANCIAL SERVICES FOR THE POOR 30638 MIDDLE EAST AND NORTH AFRICA 1 1 PROGRAM SERVICES FINANCIAL SERVICES FOR THE POOR 166896 CENTRAL AMERICA & THE CARIBBEAN 0 0 INVESTMENTS 1900000 SUB-SAHARAN AFRICA 0 0 INVESTMENTS 2067 17 191 0 0 17 191 22884929 1902067 24786996 1 0 1 0 0 0 X X X X X X 1 PUBLIC INTEREST COMMUNICATIONS INC 7700 LEESBURG PIKE 301 FALLS CHURCH VA 22043 TELEMARKETING 0 56440 53094 3346 SD&A TELESERVICES INC 5757 W CENTURY BLVD 300 LOS ANGELES CA 90045 TELEMARKETING 0 22900 40554 -17654 INTEGRATED DIRECT MARKETING LLC 1250 CONNECTICUT AVE NW 200 WASHINGTON DC 20036 FUNDRAISING CONSULTING 0 0 157444 -157444 KOSOVO ADDIS 1205 CARDINAL LANE CHERRY HILL NJ 08003 FUNDRAISING CONSULTING 0 0 38500 -38500 79340 289592 -210252 AK AL AR AZ CA CO CT DC FL GA HI IL IN KS KY LA MA MD ME MI MN MO MS NC ND NH NJ NM NY OH OK OR PA RI SC TN TX UT VA WA WI WV NV VT WY DE ID IA MT NE SD X X 1 1 X X X X 1 1 0 1 0 0 1 1 0 RUPERT W SCOFIELD PRESIDENT & CEO 415547 0 2328 0 975231 0 20575 0 8122 0 1421803 0 140518 0 ANDREE SIMON VP & COO 246318 0 50000 0 120 0 11708 0 10860 0 319006 0 0 0 MASOOD AZIZ VP & CHIEF RISK OFFICER 206942 0 0 0 276 0 0 0 24049 0 231267 0 0 0 P DANIEL SMITH VP & GENERAL COUNSEL 278981 0 25000 0 165 0 885 0 17265 0 322296 0 0 0 DANE S MCGUIRE VP & CFO 294906 0 50000 0 1524 0 0 0 16744 0 363174 0 0 0 SOLEDAD GOMPF VP - NEW BUSINESS DEV 188609 0 0 0 516 0 453397 0 26255 0 668777 0 0 0 GWEN ANDREOTTI VP - KNOWLEDGE MGMT 143992 0 36953 0 7117 0 145428 0 19933 0 353423 0 0 0 BRAULIO OLIVEIRA VP & CIO 234504 0 15000 0 276 0 15351 0 21672 0 286803 0 0 0 JEFFREY A FLOWERS VP - REGIONAL DIRECTOR 189313 0 0 0 25752 0 10799 0 16632 0 242496 0 0 0 MICHAEL A GAMA-LOBO VP - REGIONAL DIRECTOR 167808 0 0 0 106228 0 10075 0 24219 0 308330 0 0 0 SONAL GANDHI VP & DEPUTY TO CEO 186343 0 20000 0 120 0 15933 0 31695 0 254091 0 0 0 JAMES LEMKE VP - HUMAN RESOURCES 165048 0 50422 0 1524 0 740 0 16540 0 234274 0 0 0 SCOTT TINDALL DIRECTOR - TREAS SERV 168377 0 12000 0 1532 0 0 0 21164 0 203073 0 0 0 CHIKAKO KUNO DIRECTOR, TEMA 209179 0 68130 0 516 0 14904 0 5651 0 298380 0 0 0 STEFAN QUECK VP - REGIONAL DIRECTOR 187769 0 30000 0 276 0 682 0 21325 0 240052 0 0 0 RONALD AIZER DEPUTY CFO 199598 0 25000 0 516 0 835 0 9140 0 235089 0 0 0 ZARLASHT WARDAK VP - REGIONAL DIRECTOR 271238 0 25000 0 3485 0 916 0 8975 0 309614 0 0 0 PHILIP BROUGHTON LOCAL COUNTRY CEO 197437 0 0 0 276 0 12490 0 20214 0 230417 0 0 0 EMILIO GHERSI DIRECTOR, CAP. MARKETS 177163 0 15000 0 276 0 0 0 27376 0 219815 0 0 0 JEREMY DANFORD GLOBAL TAX DIRECTOR 179382 0 10000 0 120 0 899 0 8363 0 198764 0 0 0 MARIA VILELA DPTY GENERAL COUNSEL 174073 0 5000 0 108 0 11841 0 16815 0 207837 0 0 0 STEPHANIE BAGOT SR. CORP. ATTY. 166583 0 12000 0 120 0 996 0 8473 0 188172 0 0 0 LEONARDO POLIT FORMER KEY EMPLOYEE 169441 0 0 0 1524 0 13417 0 20084 0 204466 0 0 0 YURIY SHULHAN FORMER OFFICER 16454 0 16963 0 109704 0 6968 0 10218 0 160307 0 0 0 PART I, LINE 1A FINCA INTERNATIONAL PROVIDED A TAX GROSS-UP PAYMENT TO RUPERT SCOFIELD IN RELATION TO HIS VESTING IN THE SECTION 457(F) DEFERRED COMPENSATION PLAN IN 2014. FINCA INTERNATIONAL ALSO PROVIDED A TAX-GROSS-UP PAYMENT FOR AN EXPATRIATE EMPLOYEE, MICHAEL GAMA-LOBO. HOUSING ALLOWANCES ARE PROVIDED FOR HOUSING COSTS PAID TO THE FOLLOWING EXPATRIATE EMPLOYEES: JEFFREY FLOWERS, MICHAEL GAMA-LOBO, AND YURIY SHULHAN. THE GROSS-UP PAYMENTS AND HOUSING ALLOWANCES ARE TREATED AS TAXABLE COMPENSATION. PART I, LINES 4A-B SEVERANCE PAYMENTS WERE MADE TO THE FOLLOWING PERSONS: GWEN ANDREOTTI ($6,852) AND YURIY SHULHAN ($96,144). PART I, LINES 4A-B THE FOLLOWING PERSONS PARTICIPATED IN A SECTION 457(F) SUPPLEMENTAL NONQUALIFIED DEFERRED COMPENSATION PLAN AND ARE NOT VESTED: GWEN ANDREOTTI ($132,913 DEFERRED COMPENSATION ACCRUAL), SOLEDAD GOMPF ($442,322 DEFERRED COMPENSATION ACCRUAL), AND VOLKER RENNER ($7,451 DEFERRED COMPENSATION ACCRUAL). SOLEDAD GOMPF'S DEFERRED COMPENSATION ACCRUAL IN 2014 WAS HIGHER THAN NORMAL DUE TO A MATERIAL REVALUATION OF THE RETIREMENT PLAN OBLIGATIONS IN 2014. RUPERT SCOFIELD VESTED IN THE PLAN IN 2014, AND JOHN HATCH HAD PREVIOUSLY VESTED IN THE PLAN. JOHN HATCH RECEIVED A PAYMENT OF $60,000 DURING 2014; NO OTHER LISTED PERSON RECEIVED PAYMENT DURING 2014. THE PLAN IS A DEFINED BENEFITS PENSION PLAN. THE COMPENSATION LISTED ON RUPERT SCOFIELD'S 2014 FORM W-2 WAS INCREASED BY $480,092 TO REFLECT THE VALUE OF THE RETIREMENT PLAN BENEFITS THAT ARE EXPECTED TO BE PAID OUT IN FUTURE YEARS. THIS INCOME INCLUSION ON THE FORM W-2 WAS REQUIRED UNDER U.S. TAX LAW BECAUSE OF MR. SCOFIELD'S VESTING IN THE RETIREMENT PLAN DURING 2014. NO CASH PAYMENT RELATED TO THIS INCREASE WAS ACTUALLY MADE TO MR. SCOFIELD IN 2014. THIS VESTING IS A ONE-TIME EVENT. ADDITIONALLY, $140,518 OF THIS AMOUNT WAS PREVIOUSLY REPORTED AS DEFERRED COMPENSATION TO MR. SCOFIELD ON PRIOR YEAR FORM 990S, EVEN THOUGH THIS AMOUNT WAS NOT INCLUDED IN MR. SCOFIELD'S FORM W-2 UNTIL 2014. MR. SCOFIELD'S 2014 FORM W-2 ALSO INCLUDED A TAX GROSS-UP AMOUNT OF $493,615 TO COVER THE ADDITIONAL TAXES DUE TO THIS ONE-TIME VESTING IN THE RETIREMENT PLAN. PART I, LINE 5 FINCA INTERNATIONAL HAS AN ESTABLISHED INCENTIVE PLAN THAT PAYS AN ANNUAL BONUS CONTINGENT ON GRANT AND CONTRIBUTION REVENUE, LESS DIRECT EXPENSES OF RAISING SUCH REVENUE. THIS PLAN ONLY APPLIES TO CERTAIN EMPLOYEES INVOLVED IN FUNDRAISING ACTIVITIES. PART I, LINE 6 FINCA INTERNATIONAL HAS AN ESTABLISHED INCENTIVE PLAN PROGRAM THAT PAYS AN ANNUAL BONUS THAT USES BOTH FINANCIAL AND NON-FINANCIAL CRITERIA. ONE OF THE FINANCIAL CRITERIA IS BASED UPON THE NET OPERATING MARGIN OF CERTAIN SUBSIDIARIES WHICH IS CALCULATED AS TOTAL INCOME FROM OPERATIONS LESS TOTAL EXPENSES FROM OPERATIONS FOR THE PERIOD. IN 2014, THREE INDIVIDUALS PARTICIPATED IN THE PROGRAM. PART I, LINE 7 FINCA INTERNATIONAL HAS AN ESTABLISHED INCENTIVE PLAN PROGRAM THAT PAYS AN ANNUAL BONUS TO CERTAIN EMPLOYEES BASED ON FINANCIAL AND/OR NON-FINANCIAL CRITERIA (E.G., PERFORMANCE EVALUATION). REGULAR STAFF EMPLOYEES MAY RECEIVE A DISCRETIONARY BONUS BASED ON SIGNIFICANT CONTRIBUTIONS. JULIE HOUSER FAMILY MEMBER - CEO 51027 EMPLOYMENT 0 X 67 183326 COST OR SELLING PRICE X COMPUTER SOFTWARE 1 3062772 COST OR SELLING PRIC 0 0 1 1 PART I, COLUMN (B): THE AMOUNT IN COLUMN (B) REFERS TO THE NUMBER OF CONTRIBUTIONS. PART I, LINE 32B: FINCA USES CHARLES SCHWAB BROKERAGE SERVICES TO SELL DONATED SECURITIES. LINE 4A OVER THE COURSE OF 2014, OVER 12,000 FINCA EMPLOYEES DISBURSED NEARLY $1.6 BILLION IN LOANS AVERAGING $938 TO ITS CLIENTS, THE MAJORITY OF WHOM ARE WOMEN. MORE THAN 1 MILLION INDIVIDUALS VOLUNTARILY SAVE ON A REGULAR BASIS, WITH TOTAL SAVINGS OF OVER $130 MILLION, EQUATING TO AN AVERAGE SAVINGS OF $125 PER CLIENT. FINCA MICRO-INSURANCE POLICIES PROTECTED MORE THAN HALF A MILLION FAMILIES AROUND THE WORLD IN 2014. AS OF DECEMBER 31, 2014, FINCA'S COUNTRIES OF OPERATION AND NUMBER OF BENEFICIARIES ARE: AFRICA * DEMOCRATIC REPUBLIC OF CONGO: 223,589 BENEFICIARIES * MALAWI: 40,642 BENEFICIARIES * NIGERIA: 1,427 BENEFICIARIES * TANZANIA: 121,626 BENEFICIARIES * UGANDA: 147,896 BENEFICIARIES * ZAMBIA: 131,162 BENEFICIARIES LATIN AMERICA & CARIBBEAN * ECUADOR: 51,058 BENEFICIARIES * EL SALVADOR: 9,897 BENEFICIARIES * GUATEMALA: 29,114 BENEFICIARIES * HAITI: 21,617 BENEFICIARIES * HONDURAS: 26,083 BENEFICIARIES * MEXICO: 143,574 BENEFICIARIES * NICARAGUA: 45,261 BENEFICIARIES GREATER MIDDLE EAST * AFGHANISTAN: 29,047 BENEFICIARIES * JORDAN: 24,497 BENEFICIARIES * PAKISTAN: 267,913 BENEFICIARIES EURASIA * ARMENIA: 54,051 BENEFICIARIES * AZERBAIJAN: 156,879 BENEFICIARIES * GEORGIA: 82,701 BENEFICIARIES * KOSOVO: 11,380 BENEFICIARIES * KYRGYZSTAN: 126,537 BENEFICIARIES * RUSSIA: 12,561 BENEFICIARIES * TAJIKISTAN: 36,731 BENEFICIARIES FINCA HAS EMBARKED ON A COMPREHENSIVE INITIATIVE TO MONITOR AND MANAGE SOCIAL PERFORMANCE THAT INCLUDES IDENTIFYING AND TRACKING SOCIAL PERFORMANCE INDICATORS ON AN ONGOING BASIS TO ENSURE THAT FINCA REMAINS FOCUSED ON CLIENT WELFARE AND PROTECTION, INCREASES TRANSPARENCY WITH PARTNERS, AND DEVELOPS NEW PRODUCTS THAT ARE TAILORED TO ENHANCE CLIENT WELL-BEING. THE EXISTENCE OF A BOARD LEVEL SOCIAL PERFORMANCE AUDIT COMMITTEE SIGNIFIES THE ORGANIZATION'S UNWAVERING COMMITMENT TO IMPROVE THE LIVELIHOODS OF CLIENTS THROUGH THE PROVISION OF PRODUCTS AND SERVICES THAT CLIENTS SAY THEY NEED. BUILDING ON THE PIONEERING CLIENT ASSESSMENT TOOL THAT FINCA INTERNATIONAL USES TO MEASURE THE IMPACT OF OUR PRODUCTS AND SERVICES ON THE LIVES OF OUR CLIENTS AND THEIR FAMILIES, THE SOCIAL PERFORMANCE AUDIT COMMITTEE HAS CREATED A SPECIFIC, COMPREHENSIVE AND MEASURABLE DEFINITION OF FINCA INTERNATIONAL'S SOCIAL PERFORMANCE. TO BE SUCCESSFUL IN ITS COMMITMENT TO SOCIAL PERFORMANCE, FINCA INTERNATIONAL NEEDS TO SHOW THAT IT HAS: *EXPANDED ACCESS TO FINANCIAL SERVICES, PRIMARILY AMONG UNDERSERVED, LOW-INCOME PEOPLE AND COMMUNITIES; *INCREASED EMPLOYMENT AND INCOMES; *IMPROVED LIVING STANDARDS; AND, *EMPOWERED OUR CLIENTS AND HELPED THEM ACHIEVE THEIR PERSONAL ASPIRATIONS. FORM 990, PART V, LINE 3B THE FORM 990-T WILL BE FILED FOR THE 2014 TAX YEAR. HOWEVER, IT WILL BE FILED AFTER THE FORM 990 HAS BEEN FILED AND PRIOR TO THE REQUIRED FILING DATE FOR THE FORM 990-T WITH EXTENSIONS. FORM 990, PART VI, SECTION A, LINE 2 THE CHAIRMAN OF THE BOARD, ROBERT W. HATCH, IS THE BROTHER OF THE FOUNDER, JOHN HATCH, WHO IS ALSO A DIRECTOR AND A RETIRED EMPLOYEE. ROBERT HATCH, GIVEN SIGNFICANT MANAGEMENT EXPERIENCE, ASSISTED IN FOUNDING THE ORGANIZATION AND IN PROVIDING LEADERSHIP AS BOARD CHARIMAN THROUGHOUT FINCA'S HISTORY. JOHN HATCH, RICHARD WILLIAMSON, HAROLD JASTRAM, AND RUPERT SCOFIELD ARE ALL MEMBERS OF THE BOARD OF DIRECTORS AND MINOR SHAREHOLDERS FOR CEREAL INGREDIENTS, INC. WHICH IS OWNED BY ROBERT HATCH, THE CHAIRMAN OF FINCA INTERNATIONAL'S BOARD OF DIRECTORS. RICHARD WILLIAMSON HAS A FINANCIAL TRANSACTION WITH CEREAL INGREDIENTS, INC. RICHARD WILLIAMSON AND ROBERT HATCH ARE ALSO BOTH DIRECTORS OF THE HEALTHY BACK STORE. SHAWN HASSEL IS A DIRECTOR AND HAS A MINOR SHAREHOLDING IN THE HEALTHY BACK STORE. FORM 990, PART VI, SECTION A, LINE 6 UNDER FINCA INTERNATIONAL'S CONSTITUENT DOCUMENTS, MEMBERS ARE THE FUNCTIONAL EQUIVALENT OF SHAREHOLDERS BUT HOLD NO ECONOMIC INTEREST. THEY FUNCTION AS STEWARDS OF THE CHARITABLE MISSION AND SERVE AS THE ULTIMATE GOVERNANCE AUTHORITY FOR THE ORGANIZATION. FINCA HAS 4 (FOUR) MEMBERS, EACH OF WHOM HAVE EQUAL VOTING RIGHTS AND DEVOTE CONSIDERABLE TIME AND ATTENTION TO ITS ACTIVITIES. MEMBERSHIPS IN FINCA ARE NOT SOLD AS FUNDRAISING MECHANISMS. FORM 990, PART VI, SECTION A, LINE 7A THE MEMBERS, AS DESCRIBED ON LINE 6, ELECT THE GOVERNING BODY OF FINCA, WHICH IS FINCA INTERNATIONAL'S BOARD OF DIRECTORS. FORM 990, PART VI, SECTION A, LINE 7B CERTAIN KEY DECISIONS OF THE GOVERNING BODY, FINCA INTERNATIONAL'S BOARD OF DIRECTORS, ARE SUBJECT TO THE APPROVAL BY THE MEMBERS OF THE ORGANIZATION. FORM 990, PART VI, SECTION B, LINE 11 THE FORM 990 IS PRESENTED TO THE 990 REVIEW TEAM WHICH COMPRISES THE AUDIT COMMITTEE, THE HEADQUARTERS CONTROLLER, AND REPRESENTATIVES FROM HUMAN RESOURCES AND LEGAL. THE TEAM REVIEWS THE DOCUMENT AND A MEETING IS SCHEDULED TO DISCUSS PENDING QUESTIONS WITH THE DIRECTOR OF TAX. THIS PROCESS INCLUDES REVIEWING AND GIVING FINAL APPROVAL OF ALL SECTIONS, SCHEDULES, CHECKLISTS, AND ALL DISCLOSURES ON THE RETURN. FORM 990, PART VI, SECTION B, LINE 12C OFFICERS, DIRECTORS, AND KEY EMPLOYEES ARE REQUIRED TO DISCLOSE ANY CONFLICTS OF INTEREST ON AN ONGOING BASIS. CONFLICTS OF INTERESTS ARE PROHIBITED BY THE FINCA CODE OF CONDUCT AND PERSONNEL MANUAL, SUBJECT TO ANY EXCEPTIONS BASED ON A STANDARD OF FAIRNESS AND BEST INTERESTS OF THE COMPANY BY AN INDEPENDENT AUDIT COMMITTEE. CONFLICTS, INCLUDING RELATED PARTY TRANSACTIONS, ARE STRONGLY DISCOURAGED AND APPROVED, IF AT ALL, ON AN EXCEPTIONAL BASIS. THE PROCESS IS MONITORED THROUGH ACKNOWLEDGMENT 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 CONFLICTS OF INTERESTS. FORM 990, PART VI, LINE 13 : THE FINCA GLOBAL CODE OF CONDUCT CONTAINS A FORMAL CONFIDENTIAL REPORTING MECHANISM, OR "WHISTLEBLOWER" PROCESS, FOR REPORTING SUSPECTED VIOLATIONS OF THE CODE OR OF LAW. THE CODE OF CONDUCT PROVIDES A SET OF STANDARDS FOR ETHICAL BUSINESS CONDUCT FOR ALL FINCA PERSONS WORLDWIDE. EMPLOYEES HAVE BEEN TRAINED ON THE CODE AND ON THE REPORTING MECHANISM, INCLUDING REINFORCEMENT BY THE CHIEF EXECUTIVE OFFICER THAT THE CODE REPRESENTS FINCA STANDARDS. REPORTS MAY BE MADE TO LOCAL MANAGEMENT OR DIRECTLY THROUGH A CONFIDENTIAL REPORTING LINE TO THE GLOBAL VICE PRESIDENT AND GENERAL COUNSEL OR THE GLOBAL VICE PRESIDENT - HUMAN RESOURCES. FORM 990, PART VI, SECTION B, LINE 15 THE PROCESS FOR DETERMINING THE CEO'S COMPENSATION IS PERFORMED BY THE HUMAN RESOURCES DEPARTMENT AND REVIEWED AND APPROVED BY THE THE BOARD OF DIRECTORS' COMPENSATION 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, LINE 15B : THE PROCESS FOR DETERMINING ALL OFFICERS' COMPENSATION IS PERFORMED BY THE HUMAN RESOURCES DEPARTMENT AND REVIEWED AND APPROVED BY THE THE BOARD OF DIRECTORS' COMPENSATION 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. PART VII THE COMPENSATION LISTED ON RUPERT SCOFIELD'S 2014 FORM W-2 WAS INCREASED BY $480,092 TO REFLECT THE VALUE OF THE RETIREMENT PLAN BENEFITS THAT ARE EXPECTED TO BE PAID OUT IN FUTURE YEARS. THIS INCOME INCLUSION ON THE FORM W-2 WAS REQUIRED UNDER U.S. TAX LAW BECAUSE OF MR. SCOFIELD'S VESTING IN THE RETIREMENT PLAN DURING 2014. NO CASH PAYMENT RELATED TO THIS INCREASE WAS ACTUALLY MADE TO MR. SCOFIELD IN 2014. THIS VESTING IS A ONE-TIME EVENT. ADDITIONALLY, $140,518 OF THIS AMOUNT WAS PREVIOUSLY REPORTED AS DEFERRED COMPENSATION TO MR. SCOFIELD ON PRIOR YEAR FORM 990S, EVEN THOUGH THIS AMOUNT WAS NOT INCLUDED IN MR. SCOFIELD'S FORM W-2 UNTIL 2014. MR. SCOFIELD'S 2014 FORM W-2 ALSO INCLUDED A TAX GROSS-UP AMOUNT OF $493,615 TO COVER THE ADDITIONAL TAXES DUE TO THIS ONE-TIME VESTING IN THE RETIREMENT PLAN. SOLEDAD GOMPF'S OTHER COMPENSATION LISTED ON PART VII INCLUDES AN ACCRUAL OF DEFERRED COMPENSATION IN RELATION TO THE SECTION 457(F) RETIREMENT PLAN IN THE AMOUNT OF $442,322. THIS AMOUNT IS HIGHER THAN NORMAL DUE TO A MATERIAL REVALUATION OF THE RETIREMENT PLAN OBLIGATIONS IN 2014. FORM 990, PART XI, LINE 9: UNAMORTIZED PENSION PRIOR SERVICE COSTS -1,216,239. PARTNERSHIP K-1 INCOME 2,649,085. OTHER -240,545. FORM 990, PART XII, LINE 2: FINCA INTERNATIONAL'S FINANCIAL STATEMENTS WERE AUDITED ON A CONSOLIDATED BASIS. 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THESE ARE ENTITIES THAT ARE TAX-EXEMPT IN THEIR LOCAL COUNTRY, BUT THEY ARE NOT REGISTERED AS TAX-EXEMPT IN THE U.S.