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        <Desc>Dream Lighter Community Development Serves over 2,000 South Asian Taxi Drivers and low income immigrant families in New York City, providing programs that address immediate needs while fostering long term economic stability and generational wealth. The program delivers delivers more than 25 annual workshops on fincial literacy, credit management, budgeting, small business operations , public safety, and navigating the American economic system, equipping participants with practical skills to improve personal finances and plan for the future. In addition Dream lighter convenes 5 international summits at venues including the Sheraton and Marriot, along with six annual outdoor assembilies in New York State Parks, engaging thousands of participants to strenghten social cohesion, civic engagagement and community networks. Through stategic partnership with local mechanics and body shops, participants access discounted automotive maintenance and repairs, lowering operational costs and enhancing financial stability. visit www.dreamlightrt.org/our-work</Desc>
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        <Desc>Dream Lighter Climate and Community Resilience Initiative. Dream Lighter is a dedicated environmental social advocacy organization committed to addressing climate change through holistic approach that links ecological health with community resilience. Our mission focuses on reducing carbon dioxide and methane emissions, promoting clean enegy, and preserving critical ecosystems and oceans. We ensure equitable access to essential resources such as food, water, sustainable livelihoods, while protecting fishing rights for local communities to empower them as steward of the sea. Through research, expert panels, and training programs for students, young leaders, and community influencers, Dream lighter cultivates a network of informed change-makers working toward lasting, science-based solutions for a sustainable future. For additional information visist www.dreamlighter.org/our-work</Desc>
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        <Desc>Approximately 400 participants collectively raised 400,000 to form a revolving loan fund</Desc>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part III, Line 4d</FormAndLineReferenceDesc>
        <ExplanationTxt>Program Service Expenses 400,000, Grants and allocations 0, Revenue 0 Community based Microloan program for low income Taxi Drivers In 2023 Dream Lighter launced a community based micro finance program in New York City serving low income taxi drivers. Approximately 400 participants collectively raised 400,000 to form a revolving loan fund, with an average contribution of 1,000 each. through a transparent lottery system, 80 individuals received immediate 5,000 microloans , while an addtional pool of participants receives 8-10 new loans each month. Borrowers repay 430 monthly at a 3 interest rate. These funds are recycled to ensure the funds contineous lending activity and sustainability. these approach ensures liquidity, transparency, and prudent stewardship of charitable assets, consistent with nonprofit community development practices.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part I, Section 1, Line 1</FormAndLineReferenceDesc>
        <ExplanationTxt>Dream Lighter is a social development organization aspires for a society where every individual willbe able to live in atmosphere of peace and harmony and establish equal and rightful share ofresources belonging to their society.Dream Lighter activities are Capacity building, Creating Job scope.</ExplanationTxt>
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</Return>