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Inkomoko
Inkomoko reported $23.9 million in revenue and $24.4 million in expenses for calendar year 2025. Of every $100 it spent, $96.28 went to program services, $2.17 to management and general costs and $1.55 to fundraising. Its largest source of revenue was contributions and grants: 84.9% of the total. The highest compensation it reported for one person was $325,963 (CO-FOUNDER & COO). 2 people received more than $100,000 in reportable compensation. Revenue rose 461% between 2020 and 2025. Source: Form 990, 2025.
Where $100 of spending went
Calendar year 2025 · Form 990, Part IX, line 25 · total expenses $24MFor context, the median across 469 covered international, foreign affairs & national security charities: $89.04 programs, $8.28 management, $2.68 fundraising (medians computed separately, so they may not sum to $100).
Where $100 of revenue came from
Calendar year 2025 · Form 990, Part VIII · total revenue $24MThe 990 scorecard · same measures for every charity, no grades
| Measure | 2025 | Median |
|---|---|---|
| Program services Part IX 25(B) ÷ 25(A) | 96.3% | 86.1% |
| Management & general Part IX 25(C) ÷ 25(A) | 2.2% | 8.0% |
| Fundraising Part IX 25(D) ÷ 25(A) | 1.6% | 2.6% |
| Fundraising cost per $1 of contributions Part IX 25(D) ÷ Part VIII 1h | $0.02 | $0.03 |
| Contributions & grants share of revenue Part VIII 1h ÷ 12 | 84.9% | 96.6% |
| Government grants share of revenue Part VIII 1e ÷ 12 | 0.0% | 0.0% |
| Program service revenue share Part VIII 2g ÷ 12 | 5.3% | 0.0% |
| Highest reported compensation Part VII-A, columns D–F | $325,963 | $341,362 |
| Highest compensation as share of expenses Part VII-A ÷ Part IX 25(A) | 1.34% | 1.06% |
| People paid over $100,000 Part VII, line 2 | 2 | 10 |
| Net assets, in months of expenses Part X 33(B) ÷ monthly expenses | 4.8 | 7.5 |
| Independent voting board members Part VI 1a–1b | 10 of 12 | 100.0% |
A median is context, not a target: hospitals, universities, food banks and grantmakers spend in very different ways. What these measures can and can't tell you.
What the money paid for, in its own words
2025 · Form 990, Part III · the three largest programs by expenseInkomoko continued to provide training and consulting to micro and small businesses across rwanda, kenya, ethiopia, south sudan and chad, including to refugee entrepreneurs
Inkomoko's role as providing low-cost investment to small businesses continued to be a core part of our social mission to ensure financial inclusion for those excluded from mainstream finance. Inkomoko provided investment to refugees, including making available grants, loans and sharia-compliant products for muslim entrepreneurs, ensuring that small business don't have to choose between growing thrir business and their faith. We prioritize women, youth and those excluded from traditional banking systems
As part of a collaborative partnership with southern new hampshire university, inkomoko supported the education initiatives of the snhu gem hub that engagtes refugee students around the world to access quality on-line instruction. Inkomoko's role was to facilitate operational systems that allowed for refugees to review student course work
Highest reported compensation
2025 · Form 990, Part VII, Section A · roles as filed; names are in the filing, not here| Role | From this org | From related orgs | Other | Total |
|---|---|---|---|---|
| CO-FOUNDER & COO Director/trustee, officer, 40 hrs/week | $315,013 | $0 | $10,950 | $325,963 |
| CO-FOUNDER & CEO Director/trustee, officer, 40 hrs/week | $311,992 | $0 | $8,576 | $320,568 |
2 people received more than $100,000 in reportable compensation from Inkomoko (Part VII, line 2). Compensation of current officers, directors and key employees totaled $627K (Part IX, line 5).
6 years of filings
Form 990, Parts I, VII, IX and X · each row is that year's own filing, linkedGovernance answers, as filed
2025 · the organization's own yes/no answers; explanations, if any, are in Schedule O of the filing · what each means- Voting board members, and how many are independent Part VI, lines 1a–1b12 · 10 independent
- Audited financial statements Part XII 2bYes
- Conflict-of-interest policy Part VI 12aYes
- Whistleblower policy Part VI 13Yes
- Document retention policy Part VI 14Yes
- Independent process for top executive pay Part VI 15aYes
- Board given the 990 before filing Part VI 11aYes
- Family or business ties among insiders Part VI 2Yes
- Aware of a significant diversion of assets Part VI 5No
- Excess benefit transaction with an insider Part IV 25aNo
- Loans to or from insiders outstanding Part IV 26No
- Lobbying, or a 501(h) election in effect Part IV 4No
- Over $15,000 of professional fundraising services Part IV 18No
- Over $10,000 of activity outside the U.S. Part IV 14bYes
- Employees Part I, line 52
- Volunteers Part I, line 610
Private foundation grants it received
2 private foundations reported grants to Inkomoko totaling $325K on their tax year 2023 Form 990-PF returns. See which foundations, on WHOFUNDS.
Source: WHOFUNDS open grant graph, matched from Form 990-PF Part XV.
Correct a figure or respond
Every number above is copied from Inkomoko's own Form 990. If one doesn't match the filing, that's our error and we'll fix it. If you work for Inkomoko, you can publish a response that is linked from this page.
Share or embed this breakdown
Of every $100 Inkomoko spent in 2025, $96.28 went to programs. The full breakdown, from its IRS Form 990:
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- Living GoodsWashinton, DC · revenue $24M · programs 82.0% · 2024
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- Accion InternationalWashington, DC · revenue $24M · programs 66.5% · 2024
All international, foreign affairs & national security charities · Largest charities in Washington
Questions people ask
How much of Inkomoko's spending goes to programs?
In calendar year 2025, Inkomoko reported that 96.3% of its $24.4 million in expenses went to program services, 2.2% to management and general and 1.6% to fundraising (Form 990, Part IX).
How much does Inkomoko pay its top executive?
The largest total compensation Inkomoko reported for one person in calendar year 2025 was $325,963, for the role of CO-FOUNDER & COO (Form 990, Part VII, including compensation from related organizations and other compensation).
Where does Inkomoko get its money?
Of $23.9 million in revenue in calendar year 2025, 84.9% came from contributions and grants and 5.3% from program service revenue (Form 990, Part VIII).
Is Inkomoko a registered charity?
The IRS lists EIN 46-0743201 as a 501(c)(3) organization (publicly supported organization (170(b)(1)(a)(vi))), and its records show contributions as tax-deductible. Form 990 filings on record here cover tax years 2020, 2021, 2022, 2023, 2024, 2025. A filing shows what the organization reported; it doesn't by itself show whether a program works.
Sources
- 2025: Form 990 for calendar year 2025, object 202632439349301643 · read the filing
- 2024: Form 990 for calendar year 2024, object 202503009349301930 · read the filing
- 2023: Form 990 for calendar year 2023, object 202442609349300824 · read the filing
- 2022: Form 990 for calendar year 2022, object 202322509349300927 · read the filing
- 2021: Form 990 for calendar year 2021, object 202242349349301404 · read the filing
- 2020: Form 990 for calendar year 2020, object 202221099349301002 · read the filing
All filings for EIN 46-0743201: ProPublica Nonprofit Explorer · IRS Tax Exempt Organization Search. Figures are as the organization reported them; we have not audited them.