Our Structure


Many Rivers Microfinance Limited (ABN 58 128 486 788) was established in November 2007 as a not-for-profit company limited by guarantee with no tradable securities. It is ACNC_Webregulated by the Australian Securities and Investment Commission (ASIC) and the Corporations Act 2001. It is also a registered charity with the Australian Charities and Not-for-profits Commission under the ACNC Act 2012.  Many Rivers is classified as a Public Benevolent Institution and is an endorsed Deductible Gift Recipient and accesses Charitable Tax Concessions.

As a company limited by guarantee, Many Rivers does not have any share capital or shareholders, just members. Any funds raised by Many Rivers cannot be shared amongst members, but only to further the company’s charitable purposes for the benefit of the communities we serve.

Our members include one corporate member – Mission Australia – and seven individuals who sit on the Board of Directors: Mr Peter Colin Cadwallader, Mr Ronald Leigh Coleman, Mr David Thomas Bussau, Mr Terry Winters, Mr Ross Granville Hawkey, Mr Sinclair Taylor and Mr John Burn (CEO).


Many Rivers adheres to the ASX Corporate Governance Principles and Recommendations, even though it is not an entity listed on the Stock Exchange. A Board Governance Charter establishes oversight principles, practices and procedures. All non-executive Directors are voluntary.

Many Rivers has its own Constitution. The Board of Directors adopt the principles, procedures and practices from the Board Governance Charter that include mechanisms to deal with real or perceived conflicts of interests and establish the governance oversight relationship between the Board and Management.

Many Rivers has a Conflict of Interests Policy, Code of Conduct, Risk Management Policy and framework, Whistle blowing Policy and Delegation levels, fraud control and corruption prevention strategies along with administrative policies and practices.


Many Rivers Microfinance Limited is a Public Benevolent Institution. This means that it is a non-profit institution organised for the direct relief of poverty, which carries out services for the public benefit. Because of its charitable status, Many Rivers is endorsed to access tax concessions such as exemption from paying income tax and some Fringe Benefits Tax (FBT) relief.


Many Rivers Microfinance Limited is endorsed as a deductible gift recipient, so any donations made to it will entitle the donor to a tax deduction.