2019-11-14T01:31:12-06:00 2018-12-31 861065772 DELOITTE TAX LLP 695 TOWN CENTER DR STE 1000 COSTA MESA CA 92626 990 2018-01-01 133240109 FINCA INTERNATIONAL INC FINC 2026821510 1201 15TH STREET NW 8TH FLOOR WASHINGTON DC 20005 LINDA TOSCANO CHIEF FINANCIAL OFFICER 2026821510 2019-11-12 1 JOHN W SADOFF JR P00540589 7144367100 167.219.48.49 2019-11-14 01:26:30 US P 81DE22CF9F7F0862406D1A466D95956A5FFF36F5 934115C41A372782CAA2C37E99928821B09BF6A8 2018 2020-03-31 21:24:44Z RUPERT W SCOFIELD 1201 15TH STREET NW 8TH FLOOR WASHINGTON DC 20005 32538514 0 X WWW.FINCA.ORG X 1984 NY ALLEVIATE POVERTY BY HELPING PEOPLE BUILD ASSETS, CREATE JOBS AND RAISE THEIR STANDARD OF LIVING. 15 13 37 17 0 19419 19051488 16676131 8763214 11893224 39498936 3724145 3677032 133439 70990670 32426939 0 0 0 0 6884923 7128279 506930 470319 4014136 53753832 14567065 61145685 22165663 9844985 10261276 154709979 165912111 50388468 51469849 104321511 114442262 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 0 FINCA IMPACT FINANCE: NEARLY 2 BILLION PEOPLE AROUND THE WORLD ARE FINANCIALLY EXCLUDED, WITHOUT CRITICAL ACCESS TO CREDIT, SAVINGS OR OTHER BASIC FINANCIAL SERVICES. TRADITIONAL BANKS OFTEN DO NOT SERVE THE "MICRO" LOAN SEGMENT OR EVEN THE SMALL BUSINESS SEGMENT IN DEVELOPING COUNTRIES, BECAUSE IT IS TOO COSTLY FOR THEM OR THEY DON'T KNOW HOW TO SERVE PEOPLE WORKING IN THE INFORMAL ECONOMY. FINANCIAL INCLUSION IS ONE OF FINCA INTERNATIONAL'S CORE INTERESTS AS ACCESS TO ESSENTIAL FINANCIAL SERVICES CAN BRIDGE THE ECONOMIC GAP BETWEEN THE HAVES AND HAVE-NOTS. IT CAN ALSO CREATE ECONOMIC SUSTAINABILITY AND SELF-RELIANCE FOR THE POOR. WE BELIEVE IN ECONOMIC OPPORTUNITY AND JUSTICE FOR ALL AND ARE WORKING HARD TO ACHIEVE THAT IDEAL.FINCA INTERNATIONAL IS THE FOUNDER AND MAJORITY OWNER OF FINCA IMPACT FINANCE (FIF), A NETWORK OF 20 COMMUNITY-BASED MICRO-FINANCE INSTITUTIONS AND BANKS, WHICH AMPLIFIES FINANCIAL INCLUSION THROUGH INNOVATIVE, RESPONSIBLE AND IMPACTFUL FINANCIAL SERVICES TO LOW-INCOME CLIENTS. SERVICES PROVIDED INCLUDE: VILLAGE BANKING AND SMALL GROUP LOANS TARGETED TO VERY LOW-INCOME ENTREPRENEURS WITH THE SMALLEST ENTERPRISES; INDIVIDUAL LOANS TO HELP ENTREPRENEURS CONTINUE TO GROW THEIR BUSINESS AND GENERATE JOBS; AGRICULTURAL LOANS FOR CLIENTS IN NEED OF PURCHASING SEEDS, FERTILIZER, LIVESTOCK AND EQUIPMENT AND REPAY THE PRINCIPAL WHEN THE HARVEST COMES IN; SAVINGS ACCOUNTS TO HELP CLIENTS BUILD A CUSHION AGAINST HARD TIMES; CREDIT, DISABILITY AND FUNERAL INSURANCE TO HELP REDUCE FINANCIAL STRESS OF MEETING MAJOR OR UNEXPECTED EXPENSES; MONEY TRANSFERS IN A SAFE AND AFFORDABLE WAY; AND ENERGY LOANS TO PURCHASE OR LEASE CLEAN ELECTRICITY SYSTEMS OR PRODUCTS. IN 2018, THE NETWORK'S NOTEWORTHY FEATS AND REACH WAS A TOTAL AMOUNT OF $100,275,931 IN LOANS DISBURSED; OVER 1,976,611 INDIVIDUALS SAVED ON A REGULAR BASIS, WITH A TOTAL SAVINGS OF $406,724,197 APPROXIMATELY, AND 44.1% OF CLIENTS WERE WOMEN.MOREOVER, IN 2018 THE NUMBER OF BENEFICIARIES REACHED PER SUBSIDIARY WAS:DRC : 274,089 MALAWI: 73,796NIGERIA: 27,901TANZANIA: 307,735UGANDA: 98,338ZAMBIA: 15,708ARMENIA: 35,694AZERBAIJAN: 3,747GEORGIA: 112,528KYRGYZSTAN: 120,593TAJIKISTAN: 30,873ECUADOR: 48,491GUATEMALA: 33,847HAITI: 50,918HONDURAS: 57,318NICARAGUA: 16,290AFGHANISTAN: 26,217JORDAN: 31,785PAKISTAN: 931,670 7891378 11756927 FINCA KOSOVO: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. SPECIFICALLY, FINCA KOSOVO FULFILLS THE FINCA IMPACT FINANCE PURPOSE OF BEING 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 CURRENTLY PROVIDES FINANCIAL SERVICES IN 26 CITIES, OFFERING CREDIT PRODUCTS TO MICRO-ENTREPRENEURS. IT CONSISTS OF MORE THAN 220 DEDICATED AND EXPERIENCED PROFESSIONALS IN BUILDING A SUSTAINABLE MICROFINANCE PROGRAM AND PROVIDING LONG-TERM SOLUTIONS TO THE NEEDS OF ITS CLIENTS. CREDIT PRODUCTS PORTFOLIO INCLUDES THE FOLLOWING LOAN MODALITIES: 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. THIS INCLUDES: DESIGNING AND PROVIDING THE RIGHT PRODUCTS, PREVENTING CUSTOMER OVERLOAD WITH DEBT, TRANSPARENCY, RESPONSIVE PRICES, TREATING CUSTOMERS FAIRLY AND WITH RESPECT, MAINTAINING CUSTOMER DATA PRIVACY AND COMPLAINTS HANDLING MECHANISMS.BY DECEMBER 2018, FINCA KOSOVO OPENED 2 NEW BRANCHES AND ITS CLIENTELE INCREASED TO 20,241 INDIVIDUALS REPRESENTING AN INCREMENT OF 15% COMPARED TO 2017. OUT OF THAT NUMBER, 20.6% WERE FEMALE BORROWERS, ALSO AN INCREMENT GIVEN THAT IN 2017 ONLY 16% WERE. 809614 0 FINCA PLUS: FINCA RECOGNIZES THAT MANY LOW-INCOME INDIVIDUALS SUFFER FROM A LACK OF ACCESS TO RELIABLE ACCESS TO ENERGY, HEALTH, SANITATION, FINANCING, AND OTHER SERVICES THAT COULD RAISE THEIR STANDARD OF LIVING. THESE INDIVIDUALS ARE ALSO VICTIMS OF A WIDE-SCALE MARKET FAILURE: THE IMPOVERISHED AND ISOLATED GEOGRAPHIC AREAS WHERE THEY LIVE DON'T OFFER FOR-PROFIT ACTORS AN INCENTIVE TO BUILD A MUCH-NEEDED INFRASTRUCTURE THAT CAN ENSURE DELIVERY OF HIGH-QUALITY, AFFORDABLE, LIFE-ENHANCING GOODS AND SERVICES. SINCE THEY CANNOT ACCESS THESE GOODS AND SERVICES, LOW-INCOME INDIVIDUALS ARE FORCED TO USE ALTERNATIVES THAT ARE EXPENSIVE, DANGEROUS TO CONSUMERS, AND DETRIMENTAL TO THE ENVIRONMENT. FINCA SEEKS TO ADDRESS THIS MARKET FAILURE THROUGH FINCA PLUS LLC (D.B.A. IN UGANDA AS BRIGHTLIFE), A SOCIAL ENTERPRISE THAT WORKS TO ADDRESS, IN SOCIALLY AND ENVIRONMENTALLY RESPONSIBLE WAYS, ECONOMIC AND ENERGY NEEDS OF LOW-INCOME INDIVIDUALS. BRIGHTLIFE PROVIDES LIFE-ENHANCING PRODUCTS SUCH AS SOLAR HOME SYSTEMS AND IMPROVED COOKSTOVES TO LOW-INCOME INDIVIDUALS AT AFFORDABLE RATES. MOREOVER, AS CONTINUATION OF FINCA'S MORE TRADITIONAL MICRO-LENDING ACTIVITIES, BRIGHTLIFE WORKS WITH LOW-INCOME INDIVIDUALS TO PROVIDE THEM WITH AFFORDABLE FINANCING SO THAT THEY CAN ACCESS THE GOODS AND SERVICES THEY NEED TO LIVE SAFER, HEALTHIER, AND MORE PRODUCTIVE LIVES. IN OTHER WORDS, FINCA INTERNATIONAL IS PAIRING ACCESS TO FINANCE WITH ACCESS TO ENERGY TO CREATE PATHWAYS TO FINANCIAL INCLUSION FOR THE UNBANKED AND OPPORTUNITIES TO RAISE PEOPLE OUT OF POVERTY.IN 2018, BRIGHTLIFE SOLD 2,548 PRODUCTS REACHING 15,288 UGANDANS (2,548 INDIVIDUALS IN 6-PERSONS HOUSEHOLDS). 85% OF BRIGHTLIFE'S HOUSEHOLD CUSTOMERS REPORTED THAT THEIR HEALTH WAS POSITIVELY IMPACTED AND 90% STATED THAT THEIR SAFETY WAS POSITIVELY IMPACTED (FEWER RISK FOR FIRES IN THE HOME, LIGHTING AT NIGHT TO CREATE A SAFER ENVIRONMENT). CUSTOMERS WHO USE THEIR SOLAR PRODUCTS IN BUSINESS (BASED AT HOME) REPORTED SMALL BUT MEANINGFUL IMPROVEMENTS IN THE VOLUME OF CUSTOMERS AND INCREASED PROFITABILITY. BRIGHTLIFE'S OPERATION ALSO CREATED ABOUT 75 JOBS IN THE LOCAL ECONOMY. 567011 0 FINCA VENTURES:FINCA INTERNATIONAL HAS A DEEP UNDERSTANDING OF THE CHALLENGES THAT LOW-INCOME PEOPLE FACE BOTH AT HOME AND IN STRIVING TO BUILD SMALL BUSINESSES TO SUPPORT THEIR FAMILIES AND COMMUNITIES. ALTHOUGH ACCESS TO RESPONSIBLE BANKING/FINANCE IS PIVOTAL FOR IMPROVING PEOPLE'S PRODUCTIVITY AND WELL-BEING, IT'S NOT ENOUGH FOR POVERTY ALLEVIATION. ACCESS TO NON-FINANCIAL GOODS AND SERVICES SUCH AS ENERGY, WATER/HYGIENE, OR EDUCATION IS NECESSARY AS WELL IN SUCH ENDEAVOR. UNFORTUNATELY, THE MARKET FOR THESE GOODS AND SERVICES IS NOT DEVELOPING AS QUICKLY AS IT SHOULD OR COULD. FOR EXAMPLE, RESEARCH SHOWS THAT INEXPENSIVE SOLAR SYSTEMS FOR HOUSEHOLDS AND SMALL BUSINESSES ARE AVAILABLE AND COULD BE AFFORDABLE TO PEOPLE AT THE BASE OF THE ECONOMIC PYRAMID. STILL, DISTRIBUTION ISSUES, EDUCATION AND MARKETING CHALLENGES, CROWDING/MARKET-SPOILING FROM POOR QUALITY PRODUCTS, AND A LACK OF ACCESS TO FINANCE FOR LOW-INCOME CONSUMERS, ARE PREVENTING MILLIONS OF PEOPLE FROM GETTING WHAT THEY NEED AND CONSUMERS OF BEING PROTECTED. IN RESPONSE, FINCA INTERNATIONAL IS LEVERAGING ITS KNOWLEDGE, MICROFINANCE NETWORK AND TRUSTED BRAND TO INCREASE ACCESS TO NON-FINANCIAL PRODUCTS AND SOLUTIONS THAT CAN DRAMATICALLY IMPROVE HEALTH, PRODUCTIVITY AND OVERALL QUALITY OF LIFE OF OUR CLIENTS AND OTHER LOW-INCOME PEOPLE IN THE LONG TERM AND IN A SUSTAINABLE WAY. THROUGH FINCA VENTURES, FINCA TAKES AN INTEGRATED APPROACH TO ACCOMPLISHING ITS CHARITABLE OBJECTIVES BY PROVIDING PATIENT, EARLY STAGE GROWTH CAPITAL AND PRE-AND POST- INVESTMENT TECHNICAL SUPPORT TO HELP SMALL BUSINESSES SCALE AND REACH FINCA'S TARGET POPULATION. FINCA VENTURES ACCELERATES THE GROWTH OF INVESTEE COMPANIES, CREATES EMPLOYMENT, EDUCATES THE MARKET, AND PROMOTES RESPONSIBLE CONSUMER PROTECTION. BY DOING THIS, IT FOSTERS THE MARKET MORE FOR AFFORDABLE, SOCIALLY IMPACTFUL GOODS AND SERVICES.IN 2018, FINCA VENTURES GREW ITS INVESTMENT PORTFOLIO FROM ONE EQUITY INVESTMENT TO FIVE CHAMPIONING FINCA'S CORE AND FOUNDING PRINCIPLE OF CREATING LONG LASTING SOLUTIONS TO POVERTY THAT EMPOWER PEOPLE TO IMPROVE THEIR OWN LIVES. MOREOVER, THROUGH ITS INVESTEES, FINCA VENTURES CONTRIBUTED DIRECTLY AND INDIRECTLY TO 15 OF THE 17 SUSTAINABLE DEVELOPMENT GOALS. SOCIAL IMPACT IN 2018 THROUGH EACH INVESTEE WAS:AMPED INNOVATION (ELECTRICITY): 172,105 LIVES IMPACTEDENEZA EDUCATION (EDUCATION): 563,000 LIVES IMPACTEDGOOD NATURE AGRO (AGRICULTURE): 27,848 LIVES IMPACTEDIGNITIA (AGRICULTURE): 740,709 LIVES IMPACTEDSANIVATION (SANITATION): 3,135 LIVES IMPACTED 2446374 223714 OTHER 3013385 223714 11714377 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 0 0 1 X 31 0 1 37 1 1 1 1 AF AJ AM CG CJ EC GG GT HA HO JO KG KV MI MX NH NI NL NU PK RS TI TZ UG ZA 0 0 0 0 0 0 0 0 0 0 X 15 13 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 MN MS NH NJ NM NY OK OR PA RI SC TN UT VA WI WV X X LINDA TOSCANO 2029714620 1201 15TH ST NW 8TH FLOOR WASHINGTON DC 20005 JOHN ELKINS DIRECTOR 5.00 0.00 X 0 0 0 AMANDA ELLIS DIRECTOR 5.00 0.00 X 0 0 0 PETER EPP DIRECTOR 5.00 0.00 X 0 0 0 JOHN K HATCH DIRECTOR 10.00 0.00 X 70000 0 0 ROBERT W HATCH CHAIRMAN 10.00 5.00 X 0 0 0 HAROLD JASTRAM DIRECTOR 5.00 0.00 X 0 0 0 DANIELA MIELKE DIRECTOR BEG 7/18 5.00 0.00 X 0 0 0 AGRINA MUSSA DIRECTOR 5.00 0.00 X 0 0 0 JAMES SEMAKADDE DIRECTOR 5.00 0.00 X 0 0 0 FRED SEYMOUR DIRECTOR 5.00 0.00 X 0 0 0 AVANTHI SHAH DIRECTOR BEG 11/18 5.00 0.00 X 0 0 0 CHARLES TREVAIL DIRECTOR 5.00 0.00 X 0 0 0 DAVID E WEISMAN DIRECTOR 5.00 5.00 X 0 0 0 RICHARD N WILLIAMSON DIRECTOR 5.00 10.00 X 0 0 0 RUPERT SCOFIELD PRESIDENT & CEO 50.00 0.00 X X 390568 0 39418 DEBRA SPAGNOLA CHIEF FINANCIAL OFFICER 50.00 0.00 X 168011 0 17919 COLLEEN ZAKREWSKY CHIEF DEVELOPMENT OFFICER 50.00 0.00 X 187116 0 28961 AMI DALAL VP, SOCIAL ENTERPRISE INNOVATI 50.00 0.00 X 173557 0 14389 SOLEDAD GOMPF SVP, STRATEGIC ADVISOR 50.00 0.00 X 202746 0 54552 SCOTT GRAHAM DIRECTOR OF CUSTOMER RESEARCH 50.00 0.00 X 151809 0 24437 ROBERT PRICE DIRECTOR, DIRECT MARKETING 50.00 0.00 X 116290 0 52445 JENNIFER SCHMIDT GREENE DIRECTOR, RESTRICTED GRANTS 50.00 0.00 X 113899 0 35045 STEPHANIE BAGOT SENIOR CORPORATE ATTORNEY 0.00 50.00 X 0 192695 27851 JEREMY DANFORD DIRECTOR OF GLOBAL TAX 0.00 50.00 X 0 119113 18620 JEFFREY FLOWERS VP-REGIONAL DIRECTOR 0.00 50.00 X 0 240311 20954 MICHAEL GAMA-LOBO VP-REGIONAL DIRECTOR 0.00 50.00 X 0 185504 38903 SONAL GANDHI SVP, PHILANTHROPIC ADVISOR 0.00 50.00 X 0 188615 0 ROMAN HINGORANI VP & CFO 0.00 50.00 X 0 472423 33561 ALEJANDRO JAKUBOWICZ DEPUTY REGIONAL DIRECTOR, LAC 0.00 50.00 X 0 179673 37823 JOHN LOPEZ SENIOR ATTORNEY 0.00 50.00 X 0 191316 2136 KEITH SANDBLOOM VP-REGIONAL DIRECTOR 0.00 50.00 X 0 185537 41030 ANDREE SIMON CEO 0.00 50.00 X 0 583630 30631 JEFFREY SMITH CHIEF AUDIT & RISK OFFICER 0.00 50.00 X 0 419573 33215 P DANIEL SMITH VP & GENERAL COUNSEL 0.00 50.00 X 0 475773 31307 MARIA VILELA DEPUTY GENERAL COUNSEL 0.00 50.00 X 0 223691 35860 ZARLASHT WARDAK VP-REGIONAL DIRECTOR 0.00 50.00 X 0 299027 48397 1573996 3956881 667454 12 1 1 0 THE PRODUCTION ADVANTAGE INC 13873 PARK CENTER ROAD SUITE 15 OAK HILL VA 20171 MAILING AND PRINTING SERVICES 3082287 FINCA MICROFINANCE GLOBAL SERVICES LLC 1201 15TH STREET NW 8TH FLOOR WASHINGTON DC 20005 SUPPORT SERVICES 667848 NAMELY INC 195 BROADWAY 15TH FLOOR NEW YORK NY 10007 PAYROLL SERVICES 500713 INTEGRATED DIRECT MARKETING 1250 CONNECTICUT AVENUE NW700 WASHINGTON DC 20036 ADVERTISING AND PROMOTION 471011 NAMES IN THE NEWS 180 GRAND AVENUE SUITE 1365 OAKLAND CA 946123716 DIRECT MAIL LIST RENTAL AND EXCHANGE BRO 267398 10 126438 16549693 2600793 16676131 INTEREST REV - BRANCHE 522298 11756927 11756927 MANAGEMENT FEES 900099 136297 136297 11893224 3724145 3724145 157597 111575 46022 46022 OTHER INCOME 900099 87417 87417 87417 32426939 11980641 0 3770167 901992 685916 216076 37490 37490 4848112 4057010 428316 362786 177801 177801 823219 177744 584038 61437 339665 95362 244303 96902 96902 163757 140023 23734 515269 25989 489280 470319 470319 519727 254019 265708 729236 352486 376750 2151122 975690 490923 684509 200674 154284 46390 248354 248354 1301228 465053 836175 532371 436714 4426 91231 76726 31358 45368 2643348 2391025 252323 256673 74358 182315 64835 16643 48192 FUNDRAISING PRINTING & 2001379 250380 1750999 LICENSE AND SUBS. FEES 1733667 668534 1065104 29 MSA 411497 411497 LOAN IMPAIRMENTS/BAD DE 390977 390977 529323 96877 432446 22165663 11714377 6437150 4014136 5784012 3488423 2737897 5376596 2510117 2354338 2878994 2494107 0 0 43773643 50744851 224775 218131 0 2214940 919667 1391388 1295273 0 95398727 99906364 10426 34028 154709979 165912111 6357005 6084103 2443679 3692691 38189494 38595343 3398290 3097712 50388468 51469849 X 103841909 112990374 479602 1451888 104321511 114442262 154709979 165912111 X 10261276 -384928 244403 X X 0 1 X 1 0 X 22225233 20354935 20107097 19051488 16676131 98414884 22225233 20354935 20107097 19051488 16676131 98414884 7495820 90919064 8536137 11819458 13050803 6364664 3860797 43631859 38461 10000 0 0 0 48461 32682014 30159885 16794813 10088166 12026377 101751255 243846459 32538513 0.37290 0.36730 X SCHEDULE A, PART II FINCA INTERNATIONAL, INC. ("FII") HAS UPDATED THE METHODOLOGY USED TO REPORT REVENUES FROM ITS INTEREST IN FINCA MICROFINANCE HOLDING COMPANY, LLC, FOR PURPOSES OF THE PUBLIC SUPPORT TEST PRESENTED IN SCHEDULE A AS WELL AS THE STATEMENT OF REVENUE PRESENTED IN PART VIII OF THIS FORM 990, CONSISTENT WITH THE EQUITY METHOD USED FOR FINANCIAL STATEMENT PURPOSES. DUE TO CHANGES IN TAX LAW RESULTING FROM THE ENACTMENT OF THE TAX CUTS AND JOBS ACT, THE COMPANY BELIEVES THAT THIS PRESENTATION IS A MORE ACCURATE REFLECTION OF FII'S OPERATIONS. ADDITIONALLY, THE 2017 PUBLIC SUPPORT PERCENTAGE HAS BEEN UPDATED TO REFLECT THIS METHODOLOGY. RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 1859582 793745 1065837 355358 125922 229436 1295273 INVESTMENT IN PARTNERSHIP AND SUBS 98991345 C INVESTMENT IN LLC 915019 C 99906364 DEFERRED PENSION OBLIGATION 3097712 3097712 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, 2018, FINCA DID NOT RECORD ANY ADDITIONAL 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, 2018, NO ESTIMATED INTEREST AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS WERE ACCRUED. ACCRUED INTEREST AND PENALTIES ARE GENERALLY INCLUDED WITHIN THE RELATED ACCRUED LIABILITIES LINE IN THE CONSOLIDATED STATEMENT OF FINANCIAL POSITION. FINCA IS SUBJECT TO TAXATION BY THE U.S. FEDERAL GOVERNMENT, VARIOUS U.S. STATES AND LOCALITIES, AND FOREIGN JURISDICTIONS. AS OF DECEMBER 31, 2018, FINCA'S TAX YEARS 2008-2018 ARE SUBJECT TO EXAMINATION BY THE TAX AUTHORITIES. SUB-SAHARAN AFRICA 19 63 PROGRAM SERVICES FINANCIAL SERVICES FOR THE POOR 630063 EUROPE (INCLUDING ICELAND AND GREENLAND) 26 229 PROGRAM SERVICES FINANCIAL SERVICES FOR THE POOR CENTRAL AMERICA & THE CARIBBEAN 0 0 PROGRAM SERVICES FINANCIAL SERVICES FOR THE POOR 66826 RUSSIA AND NEIGHBORING STATES 0 0 PROGRAM SERVICES FINANCIAL SERVICES FOR THE POOR SOUTH ASIA 0 0 PROGRAM SERVICES FINANCIAL SERVICES FOR THE POOR SOUTH AMERICA 0 0 PROGRAM SERVICES FINANCIAL SERVICES FOR THE POOR 5800 NORTH AMERICA 0 0 PROGRAM SERVICES FINANCIAL SERVICES FOR THE POOR MIDDLE EAST AND NORTH AFRICA 0 0 PROGRAM SERVICES FINANCIAL SERVICES FOR THE POOR 28254 45 292 0 0 45 292 730943 0 730943 1 0 1 0 0 0 PART I, LINE 3: METHOD USED TO ACCOUNT FOR EXPENDITURES: ACCRUAL METHOD X X X X X X 1 PUBLIC INTEREST COMMUNICATIONS 7700 LEESBURG PIKE 301 FALLS CHURCH VA 22043 TELEMARKETING 0 13525 23503 -9978 SD&A TELESERVICES 5757 W CENTURY BLVD 300 LOS ANGELES CA 90045 TELEMARKETING 0 10265 19251 -8986 INTEGRATED DIRECT MARKETING 1250 CONNECTICUT AVE NW 700 WASHINGTON DC 20036 MARKETING CONSUTLANT 0 0 427565 -427565 23790 470319 -446529 AK AL AR CA CO CT DC FL GA HI IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NH NJ NM NV NY OH OK OR PA RI SC TN TX UT VA WA WI WV X 1 1 0 0 0 0 0 0 0 RUPERT SCOFIELD PRESIDENT & CEO 387301 0 0 0 3267 0 20598 0 18820 0 429986 0 0 0 DEBRA SPAGNOLA CHIEF FINANCIAL OFFICER 168011 0 0 0 0 0 588 0 17331 0 185930 0 0 0 COLLEEN ZAKREWSKY CHIEF DEVELOPMENT OFFICER 187116 0 0 0 0 0 617 0 28344 0 216077 0 0 0 AMI DALAL VP, SOCIAL ENTERPRISE INNOVATI 173557 0 0 0 0 0 872 0 13517 0 187946 0 0 0 SOLEDAD GOMPF SVP, STRATEGIC ADVISOR 202746 0 0 0 0 0 10978 0 43574 0 257298 0 0 0 SCOTT GRAHAM DIRECTOR OF CUSTOMER RESEARCH 151809 0 0 0 0 0 11649 0 12788 0 176246 0 0 0 ROBERT PRICE DIRECTOR, DIRECT MARKETING 116290 0 0 0 0 0 9635 0 42810 0 168735 0 0 0 STEPHANIE BAGOT SENIOR CORPORATE ATTORNEY 0 176575 0 16000 0 120 0 7532 0 20319 0 220546 0 0 JEREMY DANFORD DIRECTOR OF GLOBAL TAX 0 118933 0 0 0 180 0 4958 0 13662 0 137733 0 0 JEFFREY FLOWERS VP-REGIONAL DIRECTOR 0 158748 0 0 0 81563 0 0 0 20954 0 261265 0 0 MICHAEL GAMA-LOBO VP-REGIONAL DIRECTOR 0 163507 0 0 0 21997 0 13234 0 25669 0 224407 0 0 SONAL GANDHI SVP, PHILANTHROPIC ADVISOR 0 126296 0 16745 0 45574 0 0 0 0 0 188615 0 0 ROMAN HINGORANI VP & CFO 0 321907 0 150000 0 516 0 1231 0 32330 0 505984 0 0 ALEJANDRO JAKUBOWICZ DEPUTY REGIONAL DIRECTOR, LAC 0 179157 0 0 0 516 0 7440 0 30383 0 217496 0 0 JOHN LOPEZ SENIOR ATTORNEY 0 179792 0 10000 0 1524 0 1898 0 238 0 193452 0 0 KEITH SANDBLOOM VP-REGIONAL DIRECTOR 0 167857 0 17500 0 180 0 8400 0 32630 0 226567 0 0 ANDREE SIMON CEO 0 348250 0 235200 0 180 0 18478 0 12153 0 614261 0 0 JEFFREY SMITH CHIEF AUDIT & RISK OFFICER 0 268781 0 150000 0 792 0 3314 0 29901 0 452788 0 0 P DANIEL SMITH VP & GENERAL COUNSEL 0 325497 0 150000 0 276 0 9850 0 21457 0 507080 0 0 MARIA VILELA DEPUTY GENERAL COUNSEL 0 193571 0 30000 0 120 0 15700 0 20160 0 259551 0 0 ZARLASHT WARDAK VP-REGIONAL DIRECTOR 0 152176 0 38575 0 108276 0 24000 0 24397 0 347424 0 0 PART I, LINES 4A-B PART I, LINE 4A: JEFFREY FLOWERS, FORMER KEY EMPLOYEE, RECEIVED A SEVERANCE PAYMENT OF $55,736 IN 2018. PART I, LINE 4B: SOLEDAD GOMPF PARTICIPATED IN A SECTION 457(F) SUPPLEMENTAL NONQUALIFIED DEFERRED COMPENSATION PLAN. DURING 2018, NO CONTRIBUTIONS WERE MADE INTO THE PLAN AND NO AMOUNTS WERE PAID OUT OF THE PLAN. JULIE HOUSER FAMILY MEMBER, CEO 37490 EMPLOYMENT 0 X 73 1065877 COST OR SELLING PRICE X SOFTWARE LICENSE 1 1534916 OTHER 0 1 1 PART I, COLUMN (B): A COMBINATION OF BOTH PART I, LINE 32B: FINCA USED 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, HAROLD JASTRAM, AND RUPERT SCOFIELD ARE ALL 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. 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 XI, LINE 9: UNAMORTIZED PENSION PRIOR SERVICE COSTS 366,016. CURRENCY TRANSLATION ADJUSTMENTS -521,595. ADDITIONAL SHARE CAPITAL 399,982. PART XII, LINE 2B THE CONSOLIDATED FINANCIAL STATEMENTS HAVE NOT BEEN ISSUED AS OF THE DATE FORM 990 WAS FILED, HOWEVER FINCA IMPACT FINANCE, FINCA KOSOVO, AND FINCA PLUS INDIVIDUAL AUDIT REPORTS HAVE BEEN ISSUED AND APPROVED BY THEIR RESPECTIVE AUDIT COMMITTEES. 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