2011-11-10T17:01:54-06:00 2010-12-31 BDO USA LLP 7101 WISCONSIN AVE SUITE 800 BETHESDA MD 208144827 990 2010-01-01 133240109 FINCA INTERNATIONAL INC FINC 2026821510 1101 14TH STREET NW 11TH FLOOR WASHINGTON DC 20005 DANE STEVEN MCGUIRE 2026821510 2011-11-10 1 MICHAEL SORRELLS CPA 3016544900 2010 2016-03-07 17:11:31Z RUPERT W SCOFIELD 1101 14TH STREET NW 11TH FLOOR WASHINGTON DC 20005 38783866 0 X WWW.FINCA.ORG X 1984 NY FINANCIAL SERVICES TO THE WORLD'S LOWEST INCOME ENTREPRENEURS. FOR FULL PICTURE, SEE SCHED O 16 14 115 75 26128 4469 25535820 19228973 12269879 17584072 5153466 -31439 0 60514 42959165 36842120 0 0 0 0 15983903 14555653 0 32971 2963433 28739307 24240061 44723210 38828685 -1764045 -1986565 158909147 130949321 96054240 74053263 62854907 56896058 X THE MISSION OF FINCA INTERNATIONAL IS TO PROVIDE FINANCIAL SERVICES TO THE WORLD'S LOWEST-INCOME ENTREPRENEURS SO THEY CAN CREATE JOBS, BUILD ASSETS, AND IMPROVE THEIR STANDARD OF LIVING. 0 0 29397764 17584072 AS OF DECEMBER 31, 2010, FINCA PROVIDED 764,770 INDIVIDUALS ACROSS 21 COUNTRIES IN AFRICA, EURASIA, LATIN AMERICA AND THE GREATER MIDDLE EAST WITH LOANS, SAVINGS, INSURANCE AND OTHER FINANCIAL SERVICES DESIGNED TO HELP THEM BUILD THEIR SMALL BUSINESSES AND IMPROVE THEIR OWN PROSPECTS AND THE LIVES OF THREE MILLION DEPENDENTS. OVER THE COURSE OF 2010, FINCA'S 7,000 EMPLOYEES DISBURSED OVER $802 MILLION IN LOANS AVERAGING $597 TO ITS CLIENTS, MORE THAN TWO-THIRDS OF WHOM ARE WOMEN. FINCA CLIENTS SAVED $30.8 MILLION TO INVEST IN THEIR SMALL BUSINESSES, THEIR HOMES AND THE EDUCATION OF THEIR CHILDREN. FINCA MICROINSURANCE POLICIES PROTECTED NEARLY 1.1 MILLION CLIENTS AND FAMILY MEMBERS AROUND THE WORLD IN 2010. (CONTINUED IN SCHEDULE O.)FINCA'S SUCCESS IN DELIVERING FINANCIAL SERVICES TO THE WORLD'S LOWEST-INCOME ENTREPRENEURS HINGES, IN PART, ON THE FORMATION OF A NETWORK OF INDEPENDENT FINANCIAL ENTITIES, WHICH PERMITS FINCA TO ACCEPT SAVINGS DEPOSITS AND PROVIDE A RANGE OF FINANCIAL SERVICES TO ITS CLIENTS. WHILE ALL PROGRAMS ARE ALL CONTROLLED BY THE FINCA, PURSUANT TO IRS REGULATIONS, REVENUE AND EXPENSES INCLUDED IN THIS FORM 990 ONLY REFLECT ACTIVITIES UNDERTAKEN DIRECTLY BY THE US-BASED 501C3. FINCA'S CONSOLIDATED FINANCIAL STATEMENTS MORE ACCURATELY REPRESENT THE BREADTH OF THE ORGANIZATION'S INTERNATIONAL NETWORK OF 21 PROGRAMS.AS DESCRIBED ELSEWHERE IN PARTS VIII AND IX OF THIS FORM 990, THE 501C3 HAD REVENUE OF $36,842,120 AND EXPENSES OF $32,828,685 IN 2010. AS REPRESENTED IN FINCA'S CONSOLIDATED FINANCIAL STATEMENT, THE FINCA NETWORK HAD REVENUE (INCLUDING PROGRAM SERVICE INCOME, GRANTS AND DONATIONS) IN EXCESS OF $156 MILLION AND EXPENSES OF JUST OVER $143 MILLION. HIGHLIGHTS FROM FINCA'S CONSOLIDATED FINANCIAL STATEMENTS ARE PRESENTED BELOW AND ON THE NEXT PAGE. COPIES OF FINCA'S CONSOLIDATED FINANCIAL STATEMENTS ARE AVAILABLE AT WWW.FINCA.ORG.2010 FINCA CONSOLIDATED FINANCIAL STATEMENTS:REVENUE PRIMARY REVENUE $ 151,674,069 CONTRIBUTIONS $ 21,328,536 PROGRAM SERVICES $ 130,345,533 MEMBERSHIP $ 0 OTHER REVENUE $ 1,385,183 TOTAL REVENUE $153,059,252 FUNCTIONAL EXPENSES PROGRAM EXPENSES $ 133,080,007 ADMINISTRATIVE EXPENSES $ 6,467,488 FUNDRAISING EXPENSES $ 3,484,391 PAYMENTS TO AFFILIATES $ 0 TOTAL FUNCTIONAL EXPENSES $ 143,031,885 EXCESS (OR DEFICIT) $ 10,027,367 INDIRECT COST ALLOCATION $ 2,151,530 BALANCE SHEET ASSETS $496,025,630 LIABILITIES $365,555,842 NET ASSETS $130,469,788 WORKING CAPITAL $130,469,788AS THE RATING ISSUED TO FINCA BY CHARITY NAVIGATOR ONLY CONSIDERS INFORMATION REPORTED ON THIS FORM 990, THE CHARITY NAVIGATOR RATING MISREPRESENTS FINCA'S EFFECTIVENESS IN STEWARDING DONOR CONTRIBUTIONS. FOR EXAMPLE, CHARITY NAVIGATOR CONSIDERS FINCA'S FULL ADMINISTRATIVE EXPENSES IN MANAGING ITS NETWORK OF 21 COUNTRIES BUT DOES NOT CONSIDER PROGRAM EXPENSES FOR ITS ESTABLISHED INDEPENDENT FINANCIAL ENTITIES, WHICH ACCOUNT FOR MORE THAN TWO THIRDS OF FINCA'S OVERALL PROGRAM EXPENSES. TO LEARN MORE ABOUT THIS ISSUES AND FINCA'S FINANCIAL MODEL, PLEASE VIEW FINCA'S ANNUAL REPORT AVAILABLE AT WWW.FINCA.ORG. SEE SCHEDULE O 29397764 1 1 0 0 0 0 0 0 0 1 0 1 0 1 1 1 1 0 1 1 0 0 1 1 0 0 0 0 1 0 0 0 0 0 0 0 0 1 0 0 0 1 1 1 0 1 0 1 X 49 0 115 1 1 1 1 AF GG TI JO CA UK CJ UP GT HA NU UG MI CG EC KG TZ MX ZA AM HO ES GG RS AJ 0 0 0 0 0 0 0 0 X 16 14 1 0 0 0 1 1 1 1 1 0 0 1 1 1 1 1 1 1 1 0 AK AL AR CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MS MN MO MT NC ND NE NJ NH NM NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY X X CFO FINCA INTERNATIONAL INC 2026821510 1101 14TH STREET NW 11TH FLOOR WASHINGTON DC 20005 ROBERT W HATCH 10.00 X 0 0 0 JOHN K HATCH 10.00 X 25338 0 24445 RICHARD M WILLIAMSON 5.00 X 0 0 0 SHAWN HASSEL 5.00 X 0 0 0 CARLOS CAMACHO SR 5.00 X 0 0 0 JOHN ELKINS 5.00 X 0 0 0 JO ANN FIELD 5.00 X 0 0 0 MICHAEL GREEN 5.00 X 0 0 0 AGRINA MUSSA 5.00 X 0 0 0 SOLEDAD DELEON HURST 5.00 X 0 0 0 HAROLD D JASTRAM 5.00 X 0 0 0 PAUL LEFORT 5.00 X 0 0 0 JAMES SEMAKADDE 5.00 X 0 0 0 RITA E SPILLMAN 5.00 X 0 0 0 DAVID E WEISMAN 5.00 X 0 0 0 RUPERT W SCOFIELD 50.00 X X 369473 0 26949 VOLKER RENNER 50.00 X 237144 0 64093 DANE S MCGUIRE 50.00 X 100619 0 6683 BRAULIO OLIVEIRA 50.00 X 188310 0 17865 ANTHONY SINGLETON 50.00 X 239879 0 27311 DONALD CRANE 50.00 X 232535 0 10783 SOLEDAD GOMPF 50.00 X 212294 0 21939 JEFFREY A FLOWERS 50.00 X 194687 0 19606 YURIY SHULHAN 50.00 X 172254 0 13463 GWEN ANDREOTTI 50.00 X 154847 0 18372 TIMOTHY CHILDRESS 50.00 X 152388 0 12777 SCOTT TINDALL 50.00 X 145655 0 9259 CHIKAKO KUNO 50.00 X 198260 0 11452 LEONARDO POLIT 50.00 X 174196 0 16058 EDUARDO ROMAN 50.00 X 144377 0 8096 TIMOTHY TARRANT 50.00 X 145478 0 22330 PHILIP BROUGHTON 33110 50.00 X 66481 0 0 MARIA V VILETA 50.00 X 139954 0 19397 MIKE GAMA-LOBO 50.00 X 124626 0 22913 3352314 0 373791 30 0 1 0 THE PRODUCTION ADVANTAGE 14120 SULLYFIELD CIR STE C CHANTILLY VA 20151 PRINTING & MAILING 3041571 MELING & ASSOCIATES 561/2 MERCHANTS ROW STE 211 RYTLAND VT 05701 MAILING 544801 THE GLOVER PARK GRP LLC 1025 F STREET NW 8TH FLOOR WASHINGTON DC 20004 CONSULTING 287483 MCGLADREY & PULLEN 1501 M STREET NW STE 340 WASHINGTON DC 20005 ACCOUNTING 277950 HOUTHOFF BURUMA POSTBUS 75505 1070 AM AMSTERDAM NL 1082 LEGAL 258512 12 952402 3913742 14362829 121040 19228973 INTEREST REV-BRANCHES 900099 8664516 8664516 AFFILIATE FEES 900099 2809960 2809960 INTEREST REV-FCF 900099 1731754 1731754 4377842 4377842 17584072 1389351 1389351 1420790 -1420790 -1420790 -1420790 49000 952402 520956 -471956 -471956 LIABILITY WRITE OFF 900099 506342 506342 MEXICO INSURANCE UBI 900099 26128 26128 532470 36842120 18058975 26128 -471956 2785796 1643370 1077018 65408 8872357 6352109 2356317 163931 147890 84032 59794 4064 2088987 1257587 770267 61133 660623 448393 196600 15630 358738 346045 12693 349681 31386 318295 32971 32971 3889147 3049906 839241 48625 48625 2728421 989971 174118 1564332 336724 226351 110373 1133793 794090 339703 2041388 1466621 488830 85937 297784 182162 113945 1677 4400280 3642954 757326 547768 249686 298082 64930 25532 39398 LOAN CAPITAL 4466220 4466220 BAD DEBT EXP & ALLOWANC 1619898 1070654 549244 EQUIPMENT MAINT/VEHICLE 969871 862097 107774 DONATION EXPENSES 10000 10000 G & A ALLOCATIONS 0 2151530 -2151530 976793 8443 968350 38828685 29397764 6467488 2963433 5313100 4996677 27176412 18287189 6376455 35035 2641767 3739364 81181886 57566473 649115 338112 2102017 1837044 1396220 264973 10035 9308 1207592 2421213 32536223 43053820 420342 237157 158909147 130949321 12887432 8040657 15497198 11169160 63943692 49919443 3725918 4924003 96054240 74053263 X 58186043 54384971 4668864 2511087 62854907 56896058 158909147 130949321 X -1986565 -3972284 X X 0 1 1 X 1 1 X 45128168 49226429 27994081 25535820 19228973 167113471 45128168 49226429 27994081 25535820 19228973 167113471 167113471 12048799 8098324 8236267 5153466 1389351 34926207 26128 26128 506342 506342 202572148 0.82500 0.81740 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 224247 222122 2125 1877770 1614922 262848 264973 INVESTMENT IN SUBSIDIARIES 43053820 C 43053820 DEFERRED DEFINED PENSION OBLIGATION 3923648 OTHER LIABILITIES 1000355 4924003 36842120 38828685 -1986565 -1885641 -2086643 -3972284 -5958849 35561634 -1885641 1208434 -1124235 -1801442 37363076 -520956 -520956 36842120 40558075 1208434 1208434 39349641 -520956 -520956 38828685 DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: PART X: FINCA ADOPTED THE PROVISIONS OF ASC 740-10, INCOME TAXES, (WHICH INCLUDES FIN 48, ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES) ON JANUARY 1, 2009. UNDER ASC 740-10, AN ORGANIZATION MUST RECOGNIZE THE TAX BENEFIT ASSOCIATED WITH TAX POSITIONS TAKEN FOR TAX RETURN PURPOSES WHEN IT IS MORE-LIKELY-THAN-NOT THAT THE POSITION WILL BE SUSTAINED. THE IMPLEMENTATION OF ASC 740-10 HAD NO IMPACT ON FINCAS FINANCIAL STATEMENTS. FINCA DOES NOT BELIEVE THERE ARE ANY UNRECOGNIZED TAX BENEFITS THAT SHOULD BE RECORDED. NO INTEREST OR PENALTIES WERE ACCRUED AS OF JULY 1, 2007 AS A RESULT OF THE ADOPTION OF ASC 740-10. FOR THE YEARS ENDED DECEMBER 31, 2010 AND 2009, THERE WERE NO INTEREST OR PENALTIES RECORDED OR INCLUDED IN THE STATEMENTS OF ACTIVITIES. FINCA IS NO LONGER SUBJECT TO INCOME TAX EXAMINATIONS BY THE U.S. FEDERAL, STATE OR LOCAL TAX AUTHORITIES FOR YEARS BEFORE 2007. PART XI, LINE 8 - OTHER ADJUSTMENTS: PENSION SERVICE COSTS -1,124,235. ELIMINATION ENTRY OF THE FCF EQUITY -500,000. FOREIGN CURRENCY TRANSLATION -462,408. PART XII, LINE 2D - OTHER ADJUSTMENTS: PENSION SERVICE COSTS -1,124,235. PART XII, LINE 4B - OTHER ADJUSTMENTS: EVENT DIRECT EXPENSES -520,956. PART XIII, LINE 4B - OTHER ADJUSTMENTS: EVENT DIRECT EXPENSES -520,956. RUSSIA & THE NEWLY INDEPENDENT STATES - 1 22 PROGRAM SERVICES FINANCIAL SERVICES TO THE POOR 1480351 RUSSIA & THE NEWLY INDEPENDENT STATES - INVESTMENT INVESTMENT 21373686 EUROPE (INCLUDING ICELAND & GREENLAND) - 1 260 PROGRAM SERVICES FINANCIAL SERVICES TO THE POOR 7330350 MIDDLE EAST AND NORTH AFRICA - 2 PROGRAM SERVICES FINANCIAL SERVICES TO THE POOR 438923 MIDDLE EAST AND NORTH AFRICA - INVESTMENT INVESTMENT 1683144 SOUTH ASIA - AFGHANISTAN, BANGLADESH, 6 PROGRAM SERVICES FINANCIAL SERVICES TO THE POOR 533176 SOUTH ASIA - AFGHANISTAN, BANGLADESH, INVESTMENT INVESTMENT 100000 SUB-SAHARAN AFRICA - ANGOLA, 1 8 PROGRAM SERVICES FINANCIAL SERVICES TO THE POOR 8148953 SUB-SAHARAN AFRICA - ANGOLA, INVESTMENT INVESTMENT 10373353 CENTRAL AMERICA AND THE CARIBBEAN - 1 18 PROGRAM SERVICES FINANCIAL SERVICES TO THE POOR 8506829 CENTRAL AMERICA AND THE CARIBBEAN - INVESTMENT INVESTMENT 6743432 SOUTH AMERICA - ARGENTINA, BOLIVIA, 3 PROGRAM SERVICES FINANCIAL SERVICES TO THE POOR 1008977 SOUTH AMERICA - ARGENTINA, BOLIVIA, INVESTMENT INVESTMENT 2776096 NORTH AMERICA - CANADA AND MEXICO, BUT 1 1 PROGRAM SERVICES FINANCIAL SERVICES TO THE POOR 1950204 NORTH AMERICA - CANADA AND MEXICO, BUT INVESTMENT INVESTMENT 4107 298 22 320 41088583 31362998 72451581 1 0 1 0 0 0 X X X X X X X 1 LAMB CONSULTING INC C/O CRAIG LAMB 117 1/2 MARTINEZ ST SANTA FE NM 87501 FUNDRAISING CONSULTING 0 0 32971 -32971 32971 -32971 KS WI HI CA CO MA NY OR AR KY NC OH SC MD OK LA RI IL MO ND AK FL TN AL ME AZ MI UT PA VA NH MN CT MS WA NM WV NJ DC IN GA TX GALA 1001402 952402 49000 14750 269785 85888 19000 131533 1001402 952402 49000 14750 269785 85888 19000 131533 520956 -471956 X X 1 1 X X X X X 0 1 0 0 0 1 1 0 0 RUPERT W SCOFIELD 315919 0 53554 0 0 0 19740 0 7209 0 396422 0 0 0 VOLKER RENNER 212532 0 0 0 24612 0 15114 0 48979 0 301237 0 0 0 BRAULIO OLIVEIRA 183310 0 5000 0 0 0 385 0 17480 0 206175 0 0 0 ANTHONY SINGLETON 202431 0 37448 0 0 0 15504 0 11807 0 267190 0 0 0 DONALD CRANE 212535 0 20000 0 0 0 3574 0 7209 0 243318 0 0 0 SOLEDAD GOMPF 135844 0 76450 0 0 0 10583 0 11356 0 234233 0 0 0 JEFFREY A FLOWERS 151555 0 17500 0 25632 0 10438 0 9168 0 214293 0 0 0 YURIY SHULHAN 101979 0 37525 0 32750 0 0 0 13463 0 185717 0 0 0 GWEN ANDREOTTI 151097 0 3750 0 0 0 12271 0 6101 0 173219 0 0 0 TIMOTHY CHILDRESS 152388 0 0 0 0 0 1094 0 11683 0 165165 0 0 0 SCOTT TINDALL 145655 0 0 0 0 0 0 0 9259 0 154914 0 0 0 CHIKAKO KUNO 178260 0 20000 0 0 0 0 0 11452 0 209712 0 0 0 LEONARDO POLIT 167208 0 4200 0 2788 0 1110 0 14948 0 190254 0 0 0 EDUARDO ROMAN 109325 0 0 0 35052 0 0 0 8096 0 152473 0 0 0 TIMOTHY TARRANT 144377 0 0 0 1101 0 8741 0 13589 0 167808 0 0 0 MARIA V VILETA 139954 0 0 0 0 0 11088 0 8309 0 159351 0 0 0 PART I, LINE 1A FINCA ALSO MAINTAINS A DEFERRED COMPENSATION AGREEMENT FOR CERTAIN OFFICERS AND DIRECTORS, WHICH PROVIDES BENEFITS PAYABLE UPON RETIREMENT FROM FINCA. FOR 2010, FINCA PROVIDED A TAX GROSS-UP PAYMENT TO A PLAN PARTICIPANT TO ASSIST WITH TAX PAYMENTS WITH RESPECT TO THE INCLUSION OF THE PRESENT VALUE OF THE BENEFIT DUE FOR PAST SERVICES. HOUSING ALLOWANCE IS FOR HOUSING ALLOWANCE PAID TO OUR EXPATRIATES LIVING IN THE COUNTRIES OUTSIDE THE UNITED STATES FOR WORK AT OUR AFFILIATE OFFICES. THE ABOVE BENEFITS ARE TREATED AS TAXABLE COMPENSATION. PART I, LINE 4B SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN: JOHN HATCH - $45,000 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 NET OPERATING MARGIN OF THE SUBSIDIARY WHICH IS CALCULATED AS TOTAL INCOME FROM OPERATIONS LESS TOTAL EXPENSES FROM OPERATIONS FOR THE PERIOD. THE FOLLOWING PARTICIPATE IN THE PROGRAM: ANTHONY SINGLETON, SOLEDAD GOMPF, JEFFREY FLOWERS, YUNI SHULHAN, LEONARDO POLIT, TIMMOTHY TARRANT AND MIKE GAM-LOBO. X 9057 121040 FMV 0 0 1 THIRD PARTY USE: PART I, LINE 32B: FINCA USES CHARLES SCHWAB BROKER SERVICES TO SELL DONATED SECURITIES. PROGRAM SERVICE STATEMENT FORM 990, PART III, LINE 4B FINCA'S IMPACT: THE MOST PROFOUND IMPACT OF FINCA'S WORK LIES IN ITS ABILITY TO UNLOCK HUMAN CAPITAL AND MAKE IT PRODUCTIVE. OVER TIME, FINCA FACILITATES FINANCIAL AND SOCIAL INCLUSION BY CONNECTING IMPOVERISHED INDIVIDUALS TO THE FORMAL FINANCIAL SECTOR, PROVIDING EVEN THE LEAST WELL-OFF WITH THE MEANS TO ESCAPE POVERTY AND ACHIEVE FINANCIAL INDEPENDENCE. IN A 2010 SURVEY OF 749 FINCA CLIENTS IN RURAL AND PERI-URBAN AREAS OF MALAWI, 36 PERCENT REPORTED THAT THEY HAD EITHER BEEN DENIED A LOAN BEFORE BECOMING FINCA CLIENTS, OR HAD LACKED ACCESS TO LOANS. REALIZING THE LIFE-CHANGING POTENTIAL OF HAVING ACCESS TO CAPITAL, A REMARKABLE 91 PERCENT PLANNED TO CONTINUE AS FINCA CLIENTS, AND 86 PERCENT SAID THAT THEY WOULD RECOMMEND FINCA TO FRIENDS OR RELATIVES. GOING BEYOND LOANS, BY PROVIDING LOW-INCOME HOUSEHOLDS WITH FINANCIAL TOOLS THAT INCLUDE SAVINGS ACCOUNTS, INSURANCE PRODUCTS, AND THE ABILITY TO SEND AND RECEIVE SMALL AMOUNTS OF CASH THROUGH SAFE AND SECURE WIRE TRANSFER SERVICES, FINCA CLIENTS CAN BUILD ASSETS, STABILIZE CONSUMPTION, AND CREATE FINANCIAL SAFETY NETS THAT CAN HELP PROTECT THEIR FAMILIES AGAINST EXTERNAL SHOCKS. IN AGGREGATE, THESE SERVICES HELP THE POOR IMPROVE THEIR LIVES, AND MAKE PLANNING FOR THE FUTURE MORE REAL THAN EVER BEFORE. THE LATEST STUDIES OF FINCA CLIENTS IN MEXICO SHOW AN INCREASE IN CLIENT ASSETS ACROSS ALL CATEGORIES MEASURED, INDICATING THAT FINANCIAL SERVICES ENABLE OUR CLIENTS TO IMPROVE THEIR LIVING STANDARDS WHILE ALSO ACCUMULATING DURABLE ASSETS FOR THEIR BUSINESSES AND HOUSEHOLDS, SOMETHING NEARLY UNHEARD OF IN POOR COMMUNITIES. OWNERSHIP OF TRANSPORTATION ASSETS SUCH AS BICYCLES, MOTORCYCLES AND PICKUP TRUCKS INCREASED SIGNIFICANTLY (30% ON AVERAGE BETWEEN 2007 AND 2009), INDICATING AN INCREASE IN MOBILITY, MAKING IT POSSIBLE FOR FARMERS TO DELIVER THEIR PRODUCE TO MARKETS, AND PARENTS TO TAKE THEIR CHILDREN TO SCHOOL. THIS GROWTH WAS ACCOMPANIED BY A 21% DECREASE IN CLIENT TRANSPORTATION COSTS. BY SPENDING LESS ON TRANSPORTATION, OUR CLIENTS CAN SPEND MORE ON HELPING THEIR CHILDREN EAT BETTER AND STAY IN SCHOOL. THE NUMBER OF MEXICAN CLIENTS OWNING REFRIGERATORS AND WASHING MACHINES BOTH OF WHICH ARE OFTEN USED BY CLIENTS IN THEIR BUSINESSES AND THEIR HOUSEHOLDS, AND WHICH ARE SHOWN TO CONTRIBUTE TO IMPROVED HEALTH AND TIME SAVINGS INCREASED BY 4 AND 12 PERCENT, RESPECTIVELY. MICROENTERPRISES ARE ALSO CATALYSTS OF CHANGE FOR ENTIRE COMMUNITIES, BRINGING EMPLOYMENT, CAPITAL, AND PRODUCTIVITY INTO POVERTY-STRICKEN NEIGHBORHOODS AND VILLAGES AND HELPING TRIGGER ECONOMIC RECOVERY WHERE IT IS NEEDED MOST. WHEN FINCA CLIENTS RECEIVE A LOAN IN SUPPORT OF THEIR MICROENTERPRISE, THEY BECOME VEHICLES FOR LOCAL ECONOMIC DEVELOPMENT, AS THE IMPACT OF THEIR INVESTMENTS FOR GROWTH RIPPLE THROUGHOUT THEIR COMMUNITIES. THEY MAY PURCHASE RAW MATERIALS OR SUPPLIES FROM A FELLOW MICROFINANCE CLIENT OR A WHOLESALER. THEY MAY BUY A SEWING MACHINE, A BICYCLE OR A REFRIGERATOR FROM A DISTRIBUTOR. THEY MAY RENT LAND, OR A MARKET STALL OR A SHOP, FROM A LANDLORD. THEY MAY HIRE SOME OF THEIR NEIGHBORS TO HELP PRODUCE, TRANSPORT OR SELL THEIR GOODS. AS THEY DO SO, THEY ARE LEVERAGING THEIR FINCA LOANS TO HELP TRANSFORM BLIGHTED AREAS INTO VIBRANT COMMUNITIES, BUSTLING WITH GRASSROOTS ECONOMIC ACTIVITY. OF COURSE, ONE OF THE MOST IMPORTANT TRENDS THAT HAS EMERGED FROM FINCA'S EXTENSIVE SOCIAL PERFORMANCE AND CLIENT RESEARCH HAS BEEN ITS POWER TO GENERATE EMPLOYMENT. THIS DATA NOT ONLY SUGGESTS AN INCREASE IN THE CLIENTS' STANDARD OF LIVING, BUT THE ENHANCEMENT OF THE LOCAL ECONOMY. SURVEYS CONDUCTED IN 2010 OF MORE THAN 700 FINCA CLIENTS IN MALAWI AND TANZANIA WHO OPERATE PRIMARILY AGRICULTURE-RELATED BUSINESSES, FOUND THAT 26 PERCENT OF THEM HAD HIRED ONE OR MORE NEIGHBORS AFTER RECEIVING THEIR FINCA LOANS. A SURVEY OF FINCA RUSSIA CLIENTS IN 2007 FOUND THAT 35 PERCENT OF SOLIDARITY GROUP CLIENTS AND 60 PERCENT OF INDIVIDUAL LOAN CLIENTS EMPLOYED MORE THAN ONE PERSON FOR THEIR BUSINESS ACTIVITIES. IMPACTS INSIDE THE HOUSEHOLD ARE EQUALLY DRAMATIC. WE KNOW FROM FINCA RESEARCH THAT, WHEN GIVEN THE FINANCIAL MEANS TO INCREASE THEIR INCOMES AND IMPROVE THEIR FAMILIES' QUALITY OF LIFE, MOTHERS MAKE BETTER NUTRITION FOR THEIR FAMILIES THEIR NUMBER ONE PRIORITY. WHEN ASKED HOW MICROLOANS HAVE IMPACTED THEIR LIVES, WOMEN TYPICALLY RESPOND THAT THEY CAN FEED THEIR CHILDREN MORE OFTEN, AND ARE ABLE TO ADD MORE VARIETY OF FOODS TO THEIR DIETS. IN THE DEVELOPING WORLD, THAT CAN HAVE ENORMOUS, LONG-LASTING IMPACT. A MULTIYEAR STUDY OF FINCA CLIENTS IN MEXICO (IN WHICH 800 CLIENTS WERE SURVEYED IN 2007, AND 323 OF THEM WHO REMAINED FINCA CLIENTS WERE INTERVIEWED AGAIN IN 2009) FOUND THAT: * WHILE EIGHT PERCENT OF THE 323 CLIENTS REPORTED SURVIVING ON LESS THAN TWO INTERNATIONAL DOLLARS PER DAY IN 2007, FIVE PERCENT OF THESE CLIENTS RESURVEYED IN 2009 HAD MOVED ABOVE THE $2 LEVEL OF DAILY PER CAPITA EXPENDITURE. * MEXICAN CLIENTS REPORTING THAT THEY ALWAYS HAD ENOUGH OF THE TYPES OF FOOD THEY WANTED TO CONSUME INCREASED FROM 20 PERCENT IN 2007 TO 28 PERCENT IN 2009; AND * CLIENTS WHO SAID THEY SOMETIMES, OR OFTEN, DID NOT HAVE ENOUGH FOOD DECLINED FROM 41 PERCENT TO 35 PERCENT. FINALLY, FINCA CLIENTS OFTEN TELL US IT WAS OUR FAITH IN THEM TO MANAGE THEIR LOANS AND THEIR BUSINESSES WHICH LED TO THEIR ECONOMIC INDEPENDENCE, CREATING A SENSE OF DIGNITY AND PRIDE THEY HAD NEVER EXPERIENCED. THIS NEW SENSE OF SELF ESTEEM CAN TRANSFORM WOMEN'S POWER RELATIONSHIPS, RESULTING IN GREATER RESPECT FROM THEIR HUSBANDS AND CHILDREN, AND LAUNCHING THEM AS LEADERS IN THEIR SMALL COMMUNITIES. ONE MEASURE OF THIS SENSE OF EMPOWERMENT CAN BE FOUND IN OUR CLIENTS REPORTING THEIR HEIGHTENED SENSE OF SELF-DETERMINATION. ASKED IN 2010 WHETHER THEY FELT ABLE TO MAKE IMPORTANT DECISIONS ON THEIR OWN THAT COULD CHANGE THE COURSE OF THEIR LIVES, 94 PERCENT OF 749 FINCA MALAWI CLIENTS SURVEYED REPLIED THAT THEY WERE TOTALLY (55 PERCENT) OR MOSTLY (39 PERCENT) ABLE TO MAKE THESE CRITICAL CHOICES INDEPENDENTLY. OF 2,326 CLIENTS SURVEYED IN ARMENIA, AZERBAIJAN, GEORGIA, KYRGYZSTAN, AND TAJIKISTAN IN 2007 AND 2008, 90 PERCENT REPORTED THAT THEY WERE TOTALLY (65 PERCENT) OR MOSTLY (25 PERCENT) ABLE TO MAKE IMPORTANT DECISIONS ON THEIR OWN. FINCA'S EMPOWERMENT OF WOMEN IS EVIDENT IN OUR VILLAGE BANKING METHODOLOGY OF PEER-GUARANTEED LOANS FOR WOMEN GENERALLY STARTING VERY SMALL BUSINESSES, AS WELL AS OUR INDIVIDUAL LOAN PRODUCTS, WHICH PROVIDE THE ADDED ECONOMIC SUPPORT NEEDED TO OPEN LARGER BUSINESSES, LIKE FLOWER SHOPS, RESTAURANTS OR BEAUTY SALONS. BOTH APPROACHES EMPOWER WOMEN TO REALIZE THEIR DREAMS OF BUILDING THEIR BUSINESSES AND PROVIDING THEIR FAMILIES WITH A BETTER LIFE. AS A RESULT, THEY CAN BECOME LEADERS OF THEIR COMMUNITIES, AND SERVE AS ROLE MODELS TO INSPIRE OTHER WOMEN.MOST IMPORTANT, THEY FIND THEIR OWN VOICES IN THEIR HOMES WHERE THEIR HUSBANDS AND CHILDREN RESPECT AND LISTEN TO THEM. 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 SIGNIFICANT MANAGEMENT EXPERIENCE, ASSISTED IN FOUNDING THE ORGANIZATION AND IN PROVIDING LEADERSHIP AS BOARD CHAIRMAN THROUGHOUT FINCA'S HISTORY. JOHN HATCH, RICHARD WILLIAMSON, HAROLD JASTRAM AND RUPERT SCOFIELD ALL ARE 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. FORM 990, PART VI, SECTION A, LINE 6 UNDER FINCA'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 FOUR (4) 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 ABOVE, ELECT THE GOVERNING BODY OF FINCA, WHICH IS THE FINCA BOARD OF DIRECTORS. FORM 990, PART VI, SECTION A, LINE 7B ANY DECISIONS OF THE GOVERNING BODY ARE SUBJECT TO APPROVAL BY THE MEMBERS OF THE ORGANIZATION. FORM 990, PART VI, SECTION B, LINE 11 THE 990 IS PRESENTED TO THE 990 REVIEW TEAM WHICH COMPRISES OF THE MANAGEMENT TEAM, THE GLOBAL CONTROLLER AND THE HQ CONTROLLER. THERE IS ALSO A REPRESENTATIVE OF THE COMPENSATION COMMITTEE PRESENT IN THE MANAGEMENT TEAM. THE MT REVIEWS THE DOCUMENT AND A MEETING IS SCHEDULED TO DISCUSS PENDING QUESTIONS WITH THE TAX PREPARERS. THIS PROCESS INCLUDES REVIEWING AND A FINAL APPROVAL OF ALL SECTIONS, SCHEDULES, CHECKLISTS AND ALL DISCLOSURES ON THE RETURN. A FINAL SIGNOFF OF THE FINAL DOCUMENT IS APPROVED BY ALL AT THE CLOSING REVIEW MEETING. 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 INTEREST 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 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 CONFLICTS OF INTEREST. THE ORGANIZATION UTILIZES ITS ANNUAL 990 QUESTIONNAIRES FOR ITS DIRECTORS AND OFFICERS (AS DETAILED WITHIN FROM 990) TO OBTAIN INFORMATION FOR FILING THE 990 AND TO REVIEW THE ORGANIZATIONS CODE OF CONDUCT. FORM 990, PART VI, SECTION B, LINE 15 FINCA COMPENSATION COMMITTEE REVIEWS KEY PERSONAL COMPENSATION. AN INDEPENDENT CONSULTANT ADVISES THE COMPENSATION COMMITTEE. THE COMPENSATION COMMITTEE ALSO MAKES USE OF COMPENSATION SURVEYS AND DATA IN REVIEW AND APPROVAL. COMPENSATION DECISIONS ARE DOCUMENTED IN THE COMMITTEE'S MINUTES. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST AND ITS OWN WEBSITE. CHANGES IN NET ASSETS OR FUND BALANCES: FORM 990, PART XI, LINE 5: NET UNREALIZED LOSSES ON INVESTMENTS: -1,885,641. UNAMORTIZED PENSION COSTS -1,124,235. ELIMINATION ENTRY OF THE FCF EQUITY -500,000. FOREIGN CURRENCY TRANSLATION -462,408. TOTAL TO FORM 990, PART XI, LINE 5: -3,972,284. OVERSIGHT OF AUDIT FORM 990, PART XII, LINE 2C THERE HAVE BEEN NO CHANGES DURING THE YEAR IN THE PROCESS FOR OVERSIGHT OF THE AUDIT OF THE FINANCIAL STATEMENTS. WHISTLEBLOWER POLICY EXPLANATION 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 AND BUSINESS RESOURCES. 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