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21900 Muirfield Court #104 
Sterling,  VA  20164


  • This organization is a 501(c)(3) Public Charity.
  • Financial information in this report is derived from the organization's December 31, 2015 Form 990.

Web Site

Chief Executive Profile

Julia's work to link entrepreneurs in poor countries with international peer-to-peer lending markets began in 2006, when she co-founded the Senegal Ecovillage Microfinance Fund, the world's first microfinance institution built on capital raised through P2P lending. She subsequently spent four months in Kenya researching ways to integrate mobile banking with microfinance for MyC4, a P2P microfinance lending service based in Denmark. These experiences laid the groundwork for the founding of Zidisha in 2009. Julia works as a Portfolio Analyst at the United States African Development Foundation, a federal government agency in Washington, DC, and holds a master's degree in International Economics from the George Washington University.



Zidisha is the world's first direct peer-to-peer microlending service to bridge the international wealth divide, allowing individuals in the US and internationally to lend to and communicate with economically marginalized small business owners in developing countries without local intermediaries. We've been featured in numerous press and media for our groundbreaking work in using internet and mobile phone technologies to connect entrepreneurs in some of the world's most isolated and impoverished places with the international peer-to-peer lending market.


Program:Direct peer-to-peer microlending
Budget: NaN
Category: Community Development
Population Served: Poor/Economically Disadvantaged, Indigent, General

Program Description:

Zidisha( .( org( is an innovative nonprofit that lets ordinary web users make microloans to entrepreneurs around the world. The loans allow the individuals to start small businesses to provide higher income for their families, and once repaid the loan funds are returned to lenders who may in turn fund new individuals of their choice. What makes Zidisha unique is that there are no intermediaries.  The borrowers themselves post their loan applications and communicate directly with lenders as their business investments grow.  Linking entrepreneurs directly with the international peer-to-peer lending market gives them the chance to source business growth capital far more easily and affordably than was previously possible in developing countries.

Balance Sheet Fiscal Year Ending December 31, 2015

Total Note: The balance sheet gives a snapshot of the financial health of an organization at a particular point in time. An organization's total assets should generally exceed its total liabilities, or it cannot survive long, but the types of assets and liabilities also must be considered. For instance, an organization's current assets (cash, receivables, securities, etc.) should be sufficient to cover its current liabilities (payables, deferred revenue, current year loan, and note payments). Otherwise, the organization may face solvency problems. On the other hand, an organization whose cash and equivalents greatly exceed its current liabilities might not be putting its money to best use.
Assets January 1, 2015December 31, 2015Change
Cash & Equivalent$265,756$239,259($26,497)
Accounts Receivable$985,564$1,552,412$566,848
Pledges & Grants Receivable$0$0$0
Receivable/Other Due to changes in the 2008 Form 990, this data is no longer reported.$0$0$0
Inventories for Sale or Use$0$0$0
Investment/Securities Due to Changes in the 2008 Form, this value now includes Publicly Traded Securities as well as Other Securities. $0$0$0
Investment/Other Due to various changes in the way this data is reported in the 2008 Form 990, it may not be possible to accurately compare this data from the 2008 form 990 against the same field on prior forms $0$0$0
Fixed Assets The 2008 form does not distinguish between LBE as investments and LBE as fixed assets. This value is equivalent to the sum of both line items on earlier forms (Part IV line 55 plus line 57). $0$0$0
Other Program Related Investments is now a separate field on the new form, Part X-13(A) and (B). $49,523$52,866$3,343
Total Assets:$1,300,843$1,844,537$543,694

LiabilitiesJanuary 1, 2015December 31, 2015Change
Accounts Payable$651$0($651)
Grants Payable$0$0$0
Deferred Revenue$0$0$0
Loans and Notes The value on this line may now include payables to former employees, disqualified persons and unrelated third parties. $0$0$0
Tax-Exempt Bond Liabilities$0$0$0
Other Due to various changes in the way this data is reported in the 2008 Form 990, it may not be possible to accurately compare this data from the 2008 Form 990 against the same field on prior forms $1,101,408$1,190,458$89,050
Total Liabilities:$1,102,059$1,190,458$88,399

Fund Balance:$198,784$654,079$455,295


Basic Information

Chief Executive: Julia Kurnia
Contact: Julia Kurnia, Director
Telephone: 202
Ruling Year: 2010
Fiscal Year End Date: December 31, 2015
Assets: $1,844,537
(from Dec 31, 2015 Form 990)
Income: $625,675
(from Dec 31, 2015 Form 990)

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