Finca International Inc
Public records show a registered, tax-exempt organization in good standing.
What it says it does
FINCA ends poverty through sustainable and scalable solutions inspired by the insights and needs of people in the communities where they live and work.
- Income
- $42.5 million
- Spending
- $38.7 million
- Spent on programs
- 82%
- Reserves
- 48.2 months of spending
- Largest source of income
- donations and private grants, 51%
- Employees
- 44
- Volunteers
- 12
- Highest pay
- $451,107, general counsel
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Financial health
Strong: 90 out of 100. Higher than 84% of charities in its peer group (international, $10m to $100m).
Reserves
35 of 35Spendable reserves would cover 48.2 months of spending.
Debt
10 of 20It owes 37% of what it owns.
Living within its means
15 of 15Income exceeded spending by 9% of income.
Income trend
15 of 15Income rose 10% on the year before.
Spending floor
15 of 1581% of spending went to programs and raising each dollar of donations cost 21 cents.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Governance
Strong: 100 out of 100. Higher than 35% of charities in its peer group (international, $10m to $100m).
Independent board
25 of 2510 of 12 voting board members are independent.
Conflict of interest policy
15 of 15Has a written conflict of interest policy.
Whistleblower policy
8 of 8Has a written whistleblower policy.
Record keeping policy
7 of 7Has a written policy on keeping and destroying records.
Board minutes
5 of 5Keeps minutes of board meetings.
Board sees the tax return
10 of 10Gave the board a copy of this return before filing it.
Pay set independently
5 of 5Sets its chief executive's pay through independent review and comparison.
Independent check of accounts
15 of 15Its accounts were audited by an independent accountant.
No reported misuse
10 of 10Reports no diversion of assets, excess benefits or loans to insiders.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Impact evidence
Describes programs. Its tax return describes what it does but we have found no measurable results in it.
Programs described in its return (9)
- $14.3 million spent. FINCA Kosovo - FINCA Kosovo has been operating for over 25 years and adheres to FINCA International's mission of ending poverty through sustainable and scalable solutions inspired by the insights and needs of people in the communities where they live and work. FINCA Kosovo, managed under FINCA Impact Network (FIF), 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. In 2024, FINCA Kosovo provided financial services through 32 branches and served about 34,569 clients. The products and services offered included agriculture and business loans, women start-up loans, loans for home improvement, car purchase and registration financial facilities. Small business owners and farmers comprised the majority of its customers. The gross portfolio was $104 million US Dollars, with $98 million disbursed though 26,463 loans. The average loan size was of $3,690 US Dollars, and female borrowers represented 33.1% of the total clientele. FINCA Kosovo is also committed to serving the community through Social Responsibility activities underscoring their belief that environmental consciousness, ethical business practices, philanthropy, and economic empowerment are interconnected components that collectively contribute to a sustainable and socially responsible business model. Specifically, activities carried out through this subsidiary in 2024 included: training targeted to clients' groups across the country through its Learning and Development Center, participating in the traditional Honey Fair, forging the collaboration with the Autism Association, hosting internship programs, hosting the spring career fair, and becoming a member of the CSR Kosovo community. FINCA Kosovo is certified by the SMART Campaign for 'Customer Protection MicroFinanza Rating (MFR) with Client Protection Certification. Both of these recognitions reflect FINCA Kosovo's commitment to continue upholding industry-leading client protection standards in providing responsible finance and high ethical standards in the treatment of its clients.
- $2.5 million spent. 361 by FINCA - Overview: 361 by FINCA is a digital B2B technology platform re-inventing microfinance. By leveraging event-based architecture and smart contract technology, 361 by FINCA enables financial service providers to digitize their operations and deliver configurable, low-cost credit products. This increases the relevance and reach of financial service providers, ultimately unlocking opportunity for the millions of micro-entrepreneurs who are currently held back by lack of access to affordable productive credit. 361 empowers providers to introduce new products (renewal loans, micro-insurance) and features (repayment holidays, cashback incentives) more quickly, while reducing operating costs. This makes credit simpler and more affordable - especially for women and smallholder farmers - empowering them to grow their businesses, build financial health, and create sustainable livelihoods for their families and communities. 2024 Milestones: In 2024, 361 by FINCA reached several key milestones. Ikigai Digital was selected as the platform build partner after a competitive review of nine system integrators, and 361 by FINCA leadership recruitment progressed to near completion, including the search for a Chief Technology Officer. Loan product pilots were initiated and monitored in Malawi, Uganda, and Zambia to eventually be coded as smart contracts onto the 361 Platform. Further, pre-build planning activities were completed, including defining agile workflows, MVP definitions, and build squad planning. Fundraising efforts also advanced to secure resources for both proof of concept and future scale, with active engagement of global donors and development finance institutions. Plan for 2025: Looking ahead, 361 will build and launch its platform MVP in partnership with Ikigai Digital, and potential partner Thought Machine Vault. The Platform will first launch in FINCA Malawi, with expansion planned to additional FINCA subsidiaries in Sub-Saharan Africa and to third-party partners. The MVP will digitize loan origination and renewal for individual and group customers, while establishing the differentiated architecture needed for faster product and feature innovation. In addition to building core platform capabilities and systems integrations, the team will be focused on operating model and regulatory engagement to ensure sustainable adoption.
- $2.2 million spent. FINCA Impact Finance - Microfinance is a source of personal empowerment and an essential tool for economic mobility. For almost four decades, FINCA International (FINCA) has set the standard for what is possible in empowering low-income people to take control of their financial futures. As the founder and majority owner of FINCA Impact Finance (FIF), a network of 13 sustainable leading microfinance institutions and banks in Asia, Europe, Africa, and Latin America, FINCA provides access to responsible financial solutions that help low-income families create jobs, build assets, educate their children and improve their standard of living. Considering that as of 2027, nearly 1.7 billion adults around the world could remain financially excluded without access to useful and affordable financial products and services delivered in a responsible and sustainable way, FINCA remains committed to the advancement of financial inclusion in some of the most challenging markets in the world, in remote areas that many commercial providers can't or won't reach. Today, FIF offers a variety of products and services for individuals and groups. Worldwide, millions of entrepreneurs rely on FIF's commitment to consumer protection and an unmatched customer experience to help them build a better future for themselves, their families, and their communities. Through the Network, FINCA has reached 1.9 million customers, a $630 million USD loan portfolio, and $274 million USD deposits. According to FINCA's clients, FIF's products have helped improve their financial situation, increased their earnings, and grow their non-cash assets. During 2024, $1.1 billion US Dollars were disbursed across FIF's Network through 14.5 million loans. The total gross portfolio increased to $698.5 million US Dollars. Out of all the borrowers in that same year, 40.6% were women, confirming that this group continues to be at the heart of FINCA. Furthermore, the Network reported 3.5 million clients comprised by voluntary savers, group loans borrowers, and individual borrowers. A breakdown of number of clients per subsidiary follows below: Africa DRC: 331,260 Malawi: 163,710 Nigeria: 7,250 Tanzania: 825,583 Uganda: 150,007 Zambia: 22,674 Eurasia Armenia: 21,612 Azerbaijan: 32,957 Kyrgyzstan: 261,963 Tajikistan: 63,805 Latina America & The Caribbean Guatemala: 16,179 Haiti: 304 Middle East & South Asia Jordan: 18,991 Pakistan: 1,569,829
- $9.8 million spent. ALL OTHER PROGRAM EXPENSES
- $1.6 million spent. FINCA PLUS PROGRAM EXPENSE
- $1.2 million spent. FINCA Ventures - FINCA Ventures invests in early-stage companies that provide transformative products/services that support women, smallholder farmers, families on the margins, and microbusinesses in low-income communities across Sub-Saharan Africa. At present, FINCA Ventures has investments in health, fintech, agriculture, livelihoods, energy, education, water and sanitation. FINCA Ventures supported 26 portfolio companies that delivered life-enhancing products and services in 39 countries globally in 2024. IGNITIA: 3,128,851 users received access to local weather forecasts in West Africa, Kenya and Brazil. EAST AFRICA FRUITS: 25,090 smallholder farmers connected to 8,910 small, informal vendors in Tanzania, allowing for both groups to improve their incomes. GOOD NATURE AGRO: 21,999 smallholder farmers (45 percent of whom are female) reached in Zambia and Malawi. MERIDIA: 20,176 hectares mapped for 18,381 smallholder farmers across Ghana, Cote D'Ivoire and Indonesia. YYTZ: 911 smallholder farmers (65 percent of whom are female) received higher cashew prices in Tanzania. KUUNDA: 173M loans, totaling $965M, to over 5.5M registered mobile money agents and consumers in Tanzania, Uganda, and Malawi. KWARA: 149 SACCO / Credit Union clients fully digitized serving 161,703 end users in Kenya. MDAAS GLOBAL: 144,186 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, Uganda, Tanzania, Liberia, Ghana, and Ukraine hospitals to be used in surgeries to recycle a patient's own blood. SANIVATION: 527 metric tons of fecal sludge converted to fuel substitutes, saving 9,473 trees in Kenya. JIBU: 171M liters of clean water provided to customers and 1,620 jobs supported through 231 franchises in East Africa and Ghana. AMPED INNOVATION: 27,743 families benefited from 3,298 mWh of clean energy in Sub-Saharan Africa. PENDA: 159,883 patient visits at one of 16 affordable primary care clinics in Kenya. FLOATPAYS: 38,679 employees provided with early wage access in South Africa. RICULT: 1.3M smallholder farmers in Pakistan, Thailand and Vietnam 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: 236 smallholder farmers leased land to Cinch to earn a more stable income and increase the productivity of their land and an average of 902 casual workers supported field operations on a monthly basis. CHANZI: 7,847 MT of food waste processed using black soldier flies to produce nutritious protein for animal feed used by farmers and feed processors in Tanzania and Kenya, supporting 130 full-time employees across sites. KENTASTE: 5,812 smallholder farmers (29 percent of whom are female) received consistent access to market for their coconuts in Kenya. CASSVITA: 2,413 smallholder cassava farmers (93 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. RISING ACADEMIES: 269,083 students across 926 schools in Sierra Leone, Ghana, Liberia, Rwanda, Uganda provided access to affordable, quality education. BANKINGLY: 120 small and medium size financial institutions with a registered customer base of 843,271 provided with digital banking channels in over 20 countries globally. ELUCID: 6,440 smallholder farmer households provided with access to affordable health care in Ghana, Madagascar, Venezuela and Ecuador. LAPAIRE: 76,354 customers (46 percent women) received access to glasses across 90 optical shops in Cote D'Ivoire, Togo, Burkina Faso, Uganda, Benin, and Mali. RELEAF: 290 palm nut suppliers (24 percent women) provided with consistent access to market in Nigeria. AFFINITY AFRICA: 45,880 underserved and unbanked customers received access to financial services in Ghana. FLUID Finance: 1,403 smallholder farmers (51 percent women) provided with consistent access to market and to financial services in Ghana.
- (Expenses $ 9,815,247 including grants of $ 0)(Revenue $ 301,765) ALL OTHER PROGRAM EXPENSES
- (Expenses $ 1,582,352 including grants of $ 0)(Revenue $ 0) FINCA PLUS PROGRAM EXPENSE
- (Expenses $ 1,217,092 including grants of $)(Revenue $ 103,299) FINCA Ventures - FINCA Ventures invests in early-stage companies that provide transformative products/services that support women, smallholder farmers, families on the margins, and microbusinesses in low-income communities across Sub-Saharan Africa. At present, FINCA Ventures has investments in health, fintech, agriculture, livelihoods, energy, education, water and sanitation. FINCA Ventures supported 26 portfolio companies that delivered life-enhancing products and services in 39 countries globally in 2024. IGNITIA: 3,128,851 users received access to local weather forecasts in West Africa, Kenya and Brazil. EAST AFRICA FRUITS: 25,090 smallholder farmers connected to 8,910 small, informal vendors in Tanzania, allowing for both groups to improve their incomes. GOOD NATURE AGRO: 21,999 smallholder farmers (45 percent of whom are female) reached in Zambia and Malawi. MERIDIA: 20,176 hectares mapped for 18,381 smallholder farmers across Ghana, Cote D'Ivoire and Indonesia. YYTZ: 911 smallholder farmers (65 percent of whom are female) received higher cashew prices in Tanzania. KUUNDA: 173M loans, totaling $965M, to over 5.5M registered mobile money agents and consumers in Tanzania, Uganda, and Malawi. KWARA: 149 SACCO / Credit Union clients fully digitized serving 161,703 end users in Kenya. MDAAS GLOBAL: 144,186 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, Uganda, Tanzania, Liberia, Ghana, and Ukraine hospitals to be used in surgeries to recycle a patient's own blood. SANIVATION: 527 metric tons of fecal sludge converted to fuel substitutes, saving 9,473 trees in Kenya. JIBU: 171M liters of clean water provided to customers and 1,620 jobs supported through 231 franchises in East Africa and Ghana. AMPED INNOVATION: 27,743 families benefited from 3,298 mWh of clean energy in Sub-Saharan Africa. PENDA: 159,883 patient visits at one of 16 affordable primary care clinics in Kenya. FLOATPAYS: 38,679 employees provided with early wage access in South Africa. RICULT: 1.3M smallholder farmers in Pakistan, Thailand and Vietnam 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: 236 smallholder farmers leased land to Cinch to earn a more stable income and increase the productivity of their land and an average of 902 casual workers supported field operations on a monthly basis. CHANZI: 7,847 MT of food waste processed using black soldier flies to produce nutritious protein for animal feed used by farmers and feed processors in Tanzania and Kenya, supporting 130 full-time employees across sites. KENTASTE: 5,812 smallholder farmers (29 percent of whom are female) received consistent access to market for their coconuts in Kenya. CASSVITA: 2,413 smallholder cassava farmers (93 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. RISING ACADEMIES: 269,083 students across 926 schools in Sierra Leone, Ghana, Liberia, Rwanda, Uganda provided access to affordable, quality education. BANKINGLY: 120 small and medium size financial institutions with a registered customer base of 843,271 provided with digital banking channels in over 20 countries globally. ELUCID: 6,440 smallholder farmer households provided with access to affordable health care in Ghana, Madagascar, Venezuela and Ecuador. LAPAIRE: 76,354 customers (46 percent women) received access to glasses across 90 optical shops in Cote D'Ivoire, Togo, Burkina Faso, Uganda, Benin, and Mali. RELEAF: 290 palm nut suppliers (24 percent women) provided with consistent access to market in Nigeria. AFFINITY AFRICA: 45,880 underserved and unbanked customers received access to financial services in Ghana. FLUID Finance: 1,403 smallholder farmers (51 percent women) provided with consistent access to market and to financial services in Ghana.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Legitimacy checks
Is it registered with the IRS? Passed.
Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.
Has the IRS revoked its tax-exempt status? Passed.
Not on the IRS automatic revocation list.
Source: Automatic revocation of exemption list, Internal Revenue Service, file dated September 30, 2026.
Are donations tax-deductible? Passed.
On the IRS list of organizations eligible to receive tax-deductible contributions.
Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated September 10, 2026.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending December 2024.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since December 1986.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.
Is it in good standing with state regulators? Passed.
Not on California's list of charities barred from soliciting. Other states are not yet checked.
Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 7, 2026.
Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.