2026-03-14T07:43:45-07:00 2025-12-31 421585901 NANETTE K MILLER CPA PC 2450 VIRGINIA AVE NW E309 WASHINGTON DC 20037 990 2025-01-01 261384627 WOMENS MICROFINANCE INITIATIVE WOME 3015200865 8609 FENWAY DRIVE BETHESDA MD 20817 ROBYN G NIETERT PRESIDENT 3015200865 2026-02-22 true NAN MILLER CPA P00620061 2024637600 2026-03-14 X 2025 2025-03-06 01:10:19Z ROBYN G NIETERT 8609 FENWAY DRIVE BETHESDA MD 20817 474681 false X www.wmionline.org X 2007 MD SEE SCHEDULE O. 7 7 0 25 0 0 253697 474498 0 96 183 0 253793 474681 219986 379950 0 0 0 1032 25484 32858 245470 412808 8323 61873 274391 333550 3412 698 270979 332852 X SEE SCHEDULE O. false false 128299 125900 0 MICROFINANCE LOAN PROGRAM - SEE SCHEDULE O. 73205 73045 0 BUILDINGS/INFRASTRUCTURE - SEE SCHEDULE O. 161362 147025 0 SPECIAL PROJECTS - SEE SCHEDULE O 43314 33980 0 INTERN PROGRAM - SEE SCHEDULE O BORROWER TRAINING AND ADMINISTRATION - SEE SCHEDULE O 43314 33980 0 406180 true true false false false false false false false false false false false false false true true false false false true true false false false false false false false false false false false false false false false false false false false false false false false false false false true 4 0 0 false false false false false false false false false false false false false X 7 7 false false false false false false false true true false false true true true true true true false false false X ROBYN NIETERT 3015200865 8609 FENWAY DRIVE BETHESDA MD 20817 X ROBYN NIETERT PRESIDENT 40.00 X X 0 0 0 DEBORAH SMITH TREASURER/ACTING SECRETARY 5.00 X X 0 0 0 AINSLEY MORRIS COHEN BOARD MEMBER 2.00 X 0 0 0 JUNE KYAKOBYE BOARD MEMBER 2.00 X 0 0 0 MONTANA MSTEVENSON BOARD MEMBER 2.00 X 0 0 0 ASHLEY VAN WAES BOARD MEMBER 2.00 X 0 0 0 BEATRIZ VAN DER VOSSEN BOARD MEMBER 2.00 X 0 0 0 0 0 0 false false false 474498 474498 183 0 183 474681 0 0 183 379950 379950 20735 20735 0 0 2000 0 1760 240 826 0 727 99 2139 2139 0 0 1176 0 1034 142 BANK CHARGES 1505 840 585 80 SUPPLIES 47 47 0 0 COMMUNICATIONS 1427 0 1256 171 PROGRAM EXPENSES - OTHER 3003 2469 234 300 412808 406180 5596 1032 182571 209547 91820 122003 2000 274391 333550 3412 698 3412 698 X 270979 332852 270979 332852 274391 333550 61873 X false true X false false X 0 340219 268627 353550 253697 474498 1690591 0 0 340219 268627 353550 253697 474498 1690591 152676 1537915 100 103 66 96 183 548 0 0 1691139 0.90940 0.99880 X 0 0 0 RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 474681 474681 474681 412808 412808 412808 Pt XII, Line 4b IN ACCORDANCE WITH FINANCIAL ACCOUNTING STANDARDS BOARD ACCOUNTING STANDARDS CODIFICATION 740-10, ACCOUNTING FOR UNCERTAINTY OF INCOME TAXES WHICH CLARIFIES THE ACCOUNTING FOR THE RECOGNITION AND MEASUREMENT OF THE BENEFITS OF INDIVIDUAL TAX POSITION IN THE FINANCIAL STATEMENTS, INCLUDING THOSE NON-PROFIT ORGANIZATIONS. TAX POSITIONS MUST MEET A RECOGNITION THRESHOLD OF MORE-LIKELY-THAN-NOT IN ORDER FOR THE BENEFIT OF THOSE TAX POSITIONS TO BE RECOGNIZED IN THE FINANCIAL STATEMENTS. WMI ANALYZES TAX POSITIONS TAKEN, INCLUDING THOSE RELATED TO THE REQUIREMENTS SET FORTH IN IRC SEC. 501(C) TO QUALIFY AS TAX EXEMPT ORGANIZATION, ACTIVITIES PERFORMED BY VOLUNTEERS AND BOARD MEMBERS, THE REPORTING OF UNRELATED BUSINESS INCOME, AND ITS STATUS AS A TAX-EXEMPT ORGANIZATION UNDER MARYLAND STATUTE. THE ORGANIZATION IS NOT AWARE OF ANY TAX BENEFITS ARISING FROM UNCERTAIN TAX POSITIONS AND THERE WAS NO EFFECT ON THE ORGANIZATIONS FINANCIAL POSITION OR CHANGES IN NET ASSETS AS A RESULT OF ANALYZING ITS TAX POSITIONS. YEARS ENDING ON OR AFTER DECEMBER 31, 2021 REMAIN SUBJECT TO EXAMINATION BY FEDERAL AND STATE AUTHORITIES. true Sub-Saharan Africa MICROFINANCE 379950 WIRE 1 false false false false false false Pt I Line 2 PART 1 LINE 2 - RECORDS ARE KEPT, ANNUAL SITE VISITS CONDUCTED, MONTHLY REVIEW OF BANK RECORDS, GRANTEE REPORTING, REVIEW OF WEEKLY LOCAL COORDINATOR REPORTS OF PROGRAM AND LOAN ACTIVITY. Other PART III, LINE 1, MISSION STATEMENT: WMIS MISSION IS TO ESTABLISH VILLAGE-LEVEL LOAN HUBS, ADMINISTERED BY LOCAL WOMEN, TO PROVIDE CAPITAL, TRAINING AND SUPPORT TO RURAL WOMEN IN THE LOWEST INCOME BRACKETS IN EAST AFRICA SO THAT THEY CAN ENGAGE IN INCOME PRODUCING ACTIVITIES. WMIS LONG-TERM GOAL IS TO TRANSITION BORROWERS INTO MAINSTREAM BANKING SERVICES, BUT WITH AN INNOVATIVE AND UNIQUE TWIST. WMI HARNESSES THE BORROWERS COMBINED SUCCESS IN THE WMI LOAN PROGRAM TO COMMAND COMPETITIVE TERMS, INTEREST RATES AND CONVENIENT ACCESS TO INSTITUTIONAL BANKING SERVICES. Other PART III, LINE 4(a)- MICROFINANCE LOAN AND TRAINING PROGRAM WMI OPERATES A MICROFINANCE LOAN AND BUSINESS TRAINING PROGRAM IN UGANDA, KENYA AND TANZANIA, THROUGH PARTNERSHIPS WITH REGISTERED VILLAGE-LEVEL WOMENS GROUPS WHO ADMINISTER THE LOAN PROGRAM THROUGH A HUB SYSTEM. THERE ARE A TOTAL OF 6 LOAN HUBS OPOERATING SEPARATE LOAN FACILITIES. IN 2025, THE LOAN PROGRAM ISSUED A TOTAL OF 11,000 LOANS TO OVER 13,000 WOMEN, TOTALING $1,784,939. Other PART III, LINE 4(b) - BUILDINGS/INFRASTRUCTURE WMI MAKES PERIODIC GRANTS TO SUPPORT COMMUNITY MEETING PLACES AND WMI OFFICE OPERATIONS. IN 2025, GRANTS SUPPORTED THE CONSTRUCTION OF A NEW ONE-STORY OFFICE BUILDING AND LATRINE IN KYEGEGWA, UGANDA, AND FENCING AROUND FOUR MEETING PAVILIONS IN GOMBE, BUDEDA, MUTUFU AND KYIBBOKO, UGANDA. Other .III, LINE 4(c) - COMMUNITY PROJECTS EACH YEAR WMI FUNDS SMALL PROJECTS THAT PROVIDE THE SPARK OR CATALYST NECESSARY TO FULFILL OUR LARGER MISSION. IN 2025 WMI FUNDED TRAINING PROGRAMS FOR A GIRLS EMPOWERMENT PROGRAM (RUKUNDO); ADULT LITERACY AND HEALTH TRAINING (FGM) IN TANZANIA; MENTAL HEALTH COUNSELING FOR WMI BORROWERS (LEWA, KENYA); MOBILE MEDICAL CLINIC IN TANZANIA; TREE PLANTING TO COUNTER DEFORRESTATION IN SOUTHWEST UGANDA, AN LPG GAS CYLINDER LOAN PROGRAM IN BUSEESA, UGANDA TO TRANSITION BORROWERS FROM FIREWOOD TO CHARCOAL TO SAFE COOKING FUELS, AND A SOLAR/WATER TANK LOAN PROGRAM IN TANZANIA. Other PART III, LINE 4(d)(1) - INTERN PROGRAM WMI HAS A FORMAL COLLEGE INTERNSHIP PROGRAM FOR TWO MONTHS DURING THE SUMMER IN OUR BETHESDA OFFICE AS WELL AS AT SITE LOCATIONS IN UGANDA, TANZANIA AND KENYA. INTERNS CONTRIBUTE TO THE COST OF THEIR TRAVEL, ROOM AND BOARD WHILE IN-COUNTRY. THEY PROVIDE A VARIETY OF SUPPORT SERVICES FOR THE LOAN PROGRAM WHILE GAINING AN UNDERSTANDING OF NGO WORK. WE ALSO HOST FELLOWS ON A ONE-YEAR BASIS IN UGANDA AND TANZANIA TO ASSIST WITH CAPACITY EXPANSION OF THE LOAN PROGRAM, INCLUDING SYSTEMS OPERATIONS, BUILDING HUMAN CAPACITY, COMPUTER AND TECHNOLOGY SUPPORT, ETC. FELLOWS RECEIVE A SMALL STIPEND FOR THEIR COMMITMENT. IN 2025 WE SUPPORTED ONE FELLOW IN KERATU, TANZANIA, AND OUR COLLEGE INTERN PROGRAM IN BUYOBO, UGANDA. Other PART III, LINE 4(d)(2) - BORROWER TRAINING AND ADMINISTRATION: WMI SUPPORTS THE COST OF LOAN PROGRAM AND BORROWER TRAINING FOR NEW LOAN HUBS, INCLUDING TRAINERS, MATERIAL, MEALS DURING TRAINING AND AN INITIAL SET OF OFFICE SUPPLIES. IN ADDITION, WMI MAY REIMBURSE CERTAIN LOCAL PURCHASES MADE AT OUR DIRECTION. IN 2025, WMI LAUNCHED AN INITIATIVE TO DIGITIZE LOAN PROCESSING ACROSS ITS UGANDA HUBS. Pt VI, Line 11b 990 IS SENT TO THE BOARD VIA EMAIL AND COMMENTS ARE SENT AND ANY CHANGES ARE MADE PRIOR TO THE FILING. Pt VI, Line 12c ANNUAL UPDATED FORMS ARE SIGNED BY ALL BOARD MEMBERS DISCLOSING ANY CONFLICTS OF INTERESTS. Form 990, Part III, Line 4d INTERN PROGRAM - SEE SCHEDULE O 43314. 33980. 0.