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      <LandBuildingsEquipmentBasisNet>
        <BOY>35224</BOY>
        <EOY>41754</EOY>
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        <BOY>1823</BOY>
        <EOY>0</EOY>
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      <OtherAssetsTotal>
        <BOY>1308</BOY>
        <EOY>244712</EOY>
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      <TotalAssets>
        <BOY>237565</BOY>
        <EOY>350689</EOY>
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      <AccountsPayableAccruedExpenses>
        <BOY>36498</BOY>
        <EOY>63055</EOY>
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      <DeferredRevenue>
        <BOY>0</BOY>
        <EOY>2090</EOY>
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      <MortNotesPyblSecuredInvestProp>
        <BOY>0</BOY>
        <EOY>5000</EOY>
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        <BOY>9162</BOY>
        <EOY>73714</EOY>
      </OtherLiabilities>
      <TotalLiabilities>
        <BOY>45660</BOY>
        <EOY>143859</EOY>
      </TotalLiabilities>
      <FollowSFAS117>X</FollowSFAS117>
      <UnrestrictedNetAssets>
        <BOY>65852</BOY>
        <EOY>74343</EOY>
      </UnrestrictedNetAssets>
      <TemporarilyRestrictedNetAssets>
        <BOY>15169</BOY>
        <EOY>122487</EOY>
      </TemporarilyRestrictedNetAssets>
      <PermanentlyRestrictedNetAssets>
        <BOY>110884</BOY>
        <EOY>10000</EOY>
      </PermanentlyRestrictedNetAssets>
      <TotalNetAssetsFundBalances>
        <BOY>191905</BOY>
        <EOY>206830</EOY>
      </TotalNetAssetsFundBalances>
      <TotalLiabNetAssetsFundBalances>
        <BOY>237565</BOY>
        <EOY>350689</EOY>
      </TotalLiabNetAssetsFundBalances>
      <ReconcilationRevenueExpenses>14925</ReconcilationRevenueExpenses>
      <ReconcilationOtherChanges>0</ReconcilationOtherChanges>
      <InfoInScheduleOPartXII>X</InfoInScheduleOPartXII>
      <MethodOfAccountingAccrual>X</MethodOfAccountingAccrual>
      <AccountantCompileOrReview>0</AccountantCompileOrReview>
      <FSAudited>1</FSAudited>
      <AuditCommittee>1</AuditCommittee>
      <FinancialStatementSeparate>X</FinancialStatementSeparate>
      <FederalGrantAuditRequired>0</FederalGrantAuditRequired>
    </IRS990>
    <IRS990ScheduleA documentId="RetDoc1039100001">
      <PubliclySupportedOrg170b1Avi>X</PubliclySupportedOrg170b1Avi>
      <GiftsGrantsContribReceived170>
        <CurrentTaxYearMinus4Years>336396</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>301164</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>387037</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>562872</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>842634</CurrentTaxYear>
        <Total>2430103</Total>
      </GiftsGrantsContribReceived170>
      <Total170>
        <CurrentTaxYearMinus4Years>336396</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>301164</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>387037</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>562872</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>842634</CurrentTaxYear>
        <Total>2430103</Total>
      </Total170>
      <AmountsSubstContributorsTotal>435900</AmountsSubstContributorsTotal>
      <PublicSupportTotal170>1994203</PublicSupportTotal170>
      <GrossInvestmentIncome170>
        <CurrentTaxYearMinus4Years>1361</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>2621</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>359</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>104</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>42936</CurrentTaxYear>
        <Total>47381</Total>
      </GrossInvestmentIncome170>
      <TotalSupport>2477484</TotalSupport>
      <GrossReceiptsFromAdmissionsEtc>148260</GrossReceiptsFromAdmissionsEtc>
      <PublicSupportPertcentage170>0.80490</PublicSupportPertcentage170>
      <PublicSupportPertcentPriorYear>0.99750</PublicSupportPertcentPriorYear>
      <ThirtyThreePercntTestsCY170>X</ThirtyThreePercntTestsCY170>
    </IRS990ScheduleA>
    <IRS990ScheduleB documentId="RetDoc1234500001">
      <ContributorInfo>
        <ContributorNumber>RESTRICTED</ContributorNumber>
        <ContributorNameBusiness>
          <BusinessNameLine1>RESTRICTED</BusinessNameLine1>
        </ContributorNameBusiness>
        <ContributorAddressUS>
          <AddressLine1>RESTRICTED</AddressLine1>
          <AddressLine2>RESTRICTED</AddressLine2>
          <City>RESTRICTED</City>
          <State>RESTRICTED</State>
          <ZIPCode>RESTRICTED</ZIPCode>
        </ContributorAddressUS>
        <AggregateContributions>RESTRICTED</AggregateContributions>
      </ContributorInfo>
    </IRS990ScheduleB>
    <IRS990ScheduleD documentId="RetDoc1040000001">
      <Equipment>
        <OtherCostOrOtherBasis>47621</OtherCostOrOtherBasis>
        <Depreciation>5867</Depreciation>
        <BookValue>41754</BookValue>
      </Equipment>
      <TotalOfBookValueLandBuildings>41754</TotalOfBookValueLandBuildings>
      <OtherAssets>
        <Description>DEPOSITS</Description>
        <BookValue>4971</BookValue>
      </OtherAssets>
      <OtherAssets>
        <Description>CASH - LIBERIA</Description>
        <BookValue>105447</BookValue>
      </OtherAssets>
      <OtherAssets>
        <Description>ACCOUNTS RECEIVABLE - LIBERIA</Description>
        <BookValue>107295</BookValue>
      </OtherAssets>
      <OtherAssets>
        <Description>ADVANCES - LIBERIA</Description>
        <BookValue>1530</BookValue>
      </OtherAssets>
      <OtherAssets>
        <Description>INTEREST RECEIVABLE - LIBERIA</Description>
        <BookValue>24744</BookValue>
      </OtherAssets>
      <OtherAssets>
        <Description>LOAN RECEIVABLE - LIBERIA</Description>
        <BookValue>725</BookValue>
      </OtherAssets>
      <TotalBookValueOtherAssets>244712</TotalBookValueOtherAssets>
      <OtherLiabilities>
        <Description>SD MICROCREDIT SAVINGS PAYABLE</Description>
        <Amount>19871</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>LINE OF CREDIT</Description>
        <Amount>9976</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>ACCOUNTS PAYABLE - LIBERIA</Description>
        <Amount>15375</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>BORROW-SAVED PAYABLE - LIBERIA</Description>
        <Amount>28492</Amount>
      </OtherLiabilities>
      <TotalOfAmounts>73714</TotalOfAmounts>
      <TotalRevenue>923114</TotalRevenue>
      <TotalExpenses>908189</TotalExpenses>
      <ExcessOrDeficitForYear>14925</ExcessOrDeficitForYear>
      <ExcessOrDeficitPerFS>14925</ExcessOrDeficitPerFS>
      <TotRevenueEtcAuditedFinclStmt>668658</TotRevenueEtcAuditedFinclStmt>
      <RevenueNotRptdF990>0</RevenueNotRptdF990>
      <RevenueSubtotal>668658</RevenueSubtotal>
      <OtherRevenuesNotIncluded>254456</OtherRevenuesNotIncluded>
      <RevenueNotRptdOnFinStmt>254456</RevenueNotRptdOnFinStmt>
      <TotalRevenuePerForm990>923114</TotalRevenuePerForm990>
      <TotExpensesEtcAuditedFinclStmt>759941</TotExpensesEtcAuditedFinclStmt>
      <ExpensesNotRptdF990>0</ExpensesNotRptdF990>
      <ExpensesSubtotal>759941</ExpensesSubtotal>
      <OtherExpensesNotIncluded>148248</OtherExpensesNotIncluded>
      <ExpensesNotRptdOnFinStmt>148248</ExpensesNotRptdOnFinStmt>
      <TotalExpensesPerForm990>908189</TotalExpensesPerForm990>
      <Form990ScheduleDPartXIV>
        <Identifier>PART XII, LINE 4B - OTHER ADJUSTMENTS:</Identifier>
        <Explanation>INCOME FROM LIBERIA OPERATIONS</Explanation>
      </Form990ScheduleDPartXIV>
      <Form990ScheduleDPartXIV>
        <Identifier>PART XIII, LINE 4B - OTHER ADJUSTMENTS:</Identifier>
        <Explanation>EXPENSES FROM LIBERIA OPERATIONS EXCESS TRANSFERS OVER DONATIONS TO LIBERIA</Explanation>
      </Form990ScheduleDPartXIV>
    </IRS990ScheduleD>
    <IRS990ScheduleF documentId="RetDoc1040500001">
      <AcctsActvsOutUSTable>
        <Region>SUB-SAHARAN AFRICA</Region>
        <NumberOfOffices>1</NumberOfOffices>
        <NumberOfEmployees>2</NumberOfEmployees>
        <TypeOfActivitiesConducted>MICROCREDIT LENDING AND EDUCATION, INCLUDING TRAINING AND WORKSHOPS.</TypeOfActivitiesConducted>
        <SpecificServicesProvided>DISBURSEMENTS, MONITORING AND COLLECTION OF LOANS TO INDIVIDUAL WOMEN RECEIVING TRAINING AND WORKSHOPS ON LOAN DISBURSALS AS REQUIRED. OVER 500 WOMEN LIVING IS RURAL AREAS PARTICIPATE IN THE PROGRAM.</SpecificServicesProvided>
        <TotalExpenditures>204103</TotalExpenditures>
      </AcctsActvsOutUSTable>
      <SubtotalNumberOfOffices>1</SubtotalNumberOfOffices>
      <SubtotalNumberOfEmployees>2</SubtotalNumberOfEmployees>
      <ContNumberOfOffices>0</ContNumberOfOffices>
      <ContNumberOfEmployees>0</ContNumberOfEmployees>
      <TotalNumberOfOffices>1</TotalNumberOfOffices>
      <TotalNumberOfEmployees>2</TotalNumberOfEmployees>
      <SubtotalAmountSpent>204103</SubtotalAmountSpent>
      <ContAmountSpent>0</ContAmountSpent>
      <TotalAmountSpent>204103</TotalAmountSpent>
      <TransferToForeignCorp>0</TransferToForeignCorp>
      <InterestInForeignTrust>0</InterestInForeignTrust>
      <OwnForeignCorp>0</OwnForeignCorp>
      <PassiveForeignInvestCo>0</PassiveForeignInvestCo>
      <ForeignPartnership>0</ForeignPartnership>
      <BoycottCountries>0</BoycottCountries>
      <Form990ScheduleFPartV>
        <Identifier>PROCEDURE FOR MONITORING GRANTS OUTSIDE THE U.S.:</Identifier>
        <Explanation>SCHEDULE F, PART I, LINE 2: THE ORGANIZATION CONDUCTS SITE VISITS TO OPERATIONS IN LIBERIA AND RECEIVES MONTHLY ELIGIBILITY AND OTHER REALTED DOCUMENTS AS REQUIRED BY THE PROGRAM.</Explanation>
      </Form990ScheduleFPartV>
      <Form990ScheduleFPartV>
        <Identifier>METHOD USED TO ACCCOUNT FOR EXPENDITURES:</Identifier>
        <Explanation>SCHEDULE F, PART I, LINE 3: CASH BASIS OF ACCOUNTING.</Explanation>
      </Form990ScheduleFPartV>
    </IRS990ScheduleF>
    <IRS990ScheduleO documentId="RetDoc1044400001">
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION B, LINE 11</ReturnReference>
        <Explanation>THE ORGANIZATION'S FINANCE COMMITTEE IS RESPONSIBLE FOR REVIEWING AND APPROVING THE FORM 990 AS FILED TO THE IRS. COPIES WERE PROVIDED TO BOARD MEMBERS.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION B, LINE 12C</ReturnReference>
        <Explanation>THE ORGANIZATION REQUIRES BOARD MEMERS TO DISCLOSE ANY CONFLICTS AT ANY TIME. THE CONFLICT OF INTEREST POLICY WILL BE SPECIFICALLY ADDRESSED ANNUALLY AT BOARD MEETINGS TO REMIND BOARD MEMBERS OF THEIR RESPONSIBILITY TO DICLOSE ANY CONFLICTS OR POTENTIAL CONFLICTS OF INTEREST.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION B, LINE 15B</ReturnReference>
        <Explanation>THE BOARD REVIEWS THE COMPENSATION OF OFFICER'S AND KEY EMPLOYEES ANNUALLY.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION C, LINE 19</ReturnReference>
        <Explanation>UPON REQUEST, THE ORGANIZATION WILL COMPLY WITH ANY REQUEST OF PUBLIC DISCLOSURE OF ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND OTHER INFORMATION AS REQUIRED.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <ReturnReference>PART XII, LINE 2 C</ReturnReference>
        <Explanation>THERE HAVE BEEN NO CHANGES TO THE OVERSIGHT PROCESS.</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
  </ReturnData>
</Return>