Form 990 for tax year 2024

Totals

Total revenue

$51,137,074

Total expenses

$50,949,140

Contributions and grants received

$33,080,122

Grants paid

$3,296,332

Program service revenue

$17,804,517

Investment income

$252,435

Other revenue

$0

Total assets, end of year

$83,197,933

Total liabilities, end of year

$53,013,790

Net assets or fund balances, end of year

$30,184,143

Program services expenses (Part IX)

$44,457,040

Management and general expenses

$1,675,695

Fundraising expenses

$4,816,405

Program service expenses (Part III)

$44,457,040

Program services were 87.3% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

Line items

Every line the filer filed in Parts VIII, IX and X, as filed and in filed order. Blank columns are left out, and the lines are not forced to add up to the totals above.

Mission and programs · 2024

• OPPORTUNITY INTERNATIONAL, INC., (OPPORTUNITY), A TAX-EXEMPT ORGANIZATION, AIMS TO EQUIP PEOPLE LIVING IN POVERTY IN DEVELOPING COUNTRIES WITH THE FINANCIAL RESOURCES, SKILLS AND SUPPORT THEY NEED TO BUILD SUSTAINABLE INCOMES, EDUCATE THEIR CHILDREN AND ESCAPE GENERATIONAL POVERTY. OPPORTUNITY HOLDS A MAJORITY SHARE IN OPPORTUNITY INTERNATIONATIONAL SAVINGS AND LOAN IN GHANA (OISL). OISL IS A LEADING SAVINGS AND LOAN BANK LICENSED BY THE BANK OF GHANA IN JUNE 2004. THE BANK OPERATES ACROSS 10 OF THE 16 REGIONS IN THE COUNTRY, ADVANCING FINANCIAL INCLUSION, USING AN INNOVATIVE RANGE OF PRODUCTS AND SERVICES. OISL HAS OVER 699,000 CUSTOMERS REACHED, 38 BRANCHES, 503 MERCHANTS, 20 ATM MACHINES, AND WON OVER 52 AWARDS FOR OUTSTANDING PERFORMANCE AND OUTREACH.

  Expenses $12,954,381 · Revenue $15,896,794

• OPPORTUNITY OPERATES WORLWIDE THROUGH A GLOBAL NETWORK OF 148 FINANCIAL INSTITUTION PARTNERS AS WELL AS LOCAL IMPLEMENTING PARTNERS. OPPORTUNITY WORKS IN 28 COUNTRIES, INCLUDING 12 OF THE COUNTRIES WITH THE HIGHEST NUMBER OF PEOPLE LIVING IN EXTREME POVERTY. IN 2025, OPPPORTUNITY AND ITS PARTNERS MOBILIZED $1.9 BILLION IN CAPITAL, REACHED 16.7 MILLION UNIQUE CLIENTS, IMPACTED 5 MILLION SCHOOL CHILDREN, AND SUPPORTED 574,776 FARMERS.

  Expenses $3,296,332 · Grants $3,296,332

• OPPORTUNITY'S EDUCATION FINANCE PROGRAM AIMS TO INCREASE ACCESS TO EDUCATION BY ACCELERATING INVESTMENTS INTO AFFORDABLE LOCAL SCHOOLS AND IMPROVE THE QUALITY OF EDUCATION BY EQUIPPING SCHOOL PROPRIETORS AND TEACHERS WITH TRAINING AND RESOURCES. IN 2025, OPPORTUNITY REACHED 5 MILLION CHILDREN, RELEASED $292.5 MILLION IN LOANS PROVIDED TO SCHOOLS AND LEARNERS, HAD OVER 5,232 SCHOOLS PARTICIPATING IN EDUQUALITY PROGRAMS, AND PARTNERED WITH 106 FINANCIAL INSTITUTIONS.

  Expenses $9,657,395

• OPPORTUNITY IMPLEMENTS ITS PROGRAMS THROUGH A WORLDWIDE NETWORK OF STAFF, BRANCHES, SUBSIDIARY BANKS AND LOCAL NONGOVERNMENTAL ORGANIZATIONS, AS WELL AS LOCAL IMPLEMENTING PARTNERS- COMMERCIAL AND NONPROFIT AND MICROFINANCE INSTITUTIONS. OPPORTUNITY'S PROGRAMS ARE DESIGNED TO MAXIMIZE THE LOCAL PARTNER DISBURSEMENT OF LOANS, PROVISION OF SAVINGS ACCOUNTS, REMITTANCE AND OTHERS SERVICES TO ITS CLIENTS, ALONGSIDE THE TRAINING AND SUPPORT PROVIDED BY OPPORTUNITY TO THEM. OPPORTUNITY'S OBJECTIVE IS TO INCREASE EMPOWERMENT, ENTREPRENEURSHIP AND EMPLOYABILITY AMONGST BOTTOM-OF-THE-PYRAMID HOUSEHOLDS, AS EVIDENCED BY AN INCREASE IN REGULAR INCOME AND QUALITY OF LIFE STANDARDS. OPPORTUNITY MAINTAINS A MINORITY EQUITY INTEREST AND/OR BOARD REPRESENTATION IN A NUMBER OF KEY IMPLEMENTING PARTNERS TO ENSURE A LONG TERM ALIGNMENT OF INTEREST IN SERVING THE POOR. OPPORTUNITY USES ITS CHARITABLE DONATIONS TO INVEST EQUITY, FUND ITS DIRECT OPERATIONS, ESPECIALLY ITS EDUCATION FINANCE, AGRICULTURAL FINANCE, DIGITAL FINANCIAL SERVICES AND SUPPORT ITS IMPLEMENTING PARTNERS. ITS OPERATING MODEL RESULTS IN THE DISBURSED VALUE OF LOANS EACH YEAR VALUING ON AVERAGE 10 TIMES THE TOTAL CHARITABLE DONATIONS RECEIVED. IN 2024, AGRICULTURE FINANCE PROGRAMS REACHED OVER 580,000 HOUSEHOLDS AND RELEASED OVER $100 MILLION IN FARMER LOANS.

  Expenses $18,548,932

As filed on the 2024 return. The filer continues this part on Schedule O, which is not shown here.

Listed in Part VII

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us.

Schedule J

Part I's answers as filed. A line not listed was left unanswered; on lines 1a and 3 that means the box was not checked.

Grants on this return

• OPPORTUNITY INTERNATIONAL NICARAGUA

  $725,340

  OPERATING FUNDS FOR COMMUNITY ECONOMIC DEVELOPMENT AND PRIVATE SCHOOL IN NICARAGUA

• NBA AFRICA LLC

  $440,000

  TO EQUIP YOUNG GENERATION IN AFRICA WITH CONFIDENCE, TEAMWORK BRIGHTER FUTURE, AND WAY FOR BETTER LEARNING OUTCOMES

• RESULTS FOR DEVELOPMENT INSTITUTE INC - R4D

  $286,152

  ADVANCING PARTNERSHIPS FOR IMPROVED LEARNING (APIL) ACTIVITY IN GHANA

• OPPORTUNITY TRANSFORMATION INVESTMENTS INC

  $213,488

  FUNDS TO AFFILIATE FOR OPERATING EXPENSES

• OPPORTUNITY INC

  $195,182

  FUNDS FOR OPERATING EXPENSES

• FHI DEVELOPMENT 360 LLC

  $132,528

  ADVANCING PARTNERSHIPS FOR IMPROVED LEARNING (APIL) ACTIVITY IN GHANA

• YMCA OF THE USA

  $30,625

  YOUTH SPORTS - PROGRAM SUPPORT

• ALLIANCE TO END HUNGER

  $30,000

  WORK TO END GLOBAL HUNGER

• RECOVERY CAFE

  $7,450

  FILING THE GAP

• DOWNTOWN SCHOOL

  $5,700

  SUPPORT FOR SEATTLE SCHOOL

The 10 largest by cash amount. The API serves every itemized grant.

Related organizations on this return

Schedule R Part II: tax-exempt organizations related to the filer by control. It does not record shared board members or money.

• OPPORTUNITY TRANSFORMATION INVESTMENTS

  501(C)(3) · TO INVEST AND HOLD OWNERSHIP POSITIONS IN MICRO-FINANCE INSTITUTIONS · IL · controlled entity

  Directly controlled by OPPORTUNITY INTERNATIONAL INC

• OPPORTUNITY INC

  501(C)(3) · TO CREATE EMPLOYMENT AND IMPROVE INCOME FOR THE POOR · IL

• OPPORTUNITY INTERNATIONAL GHANA

  NGO PROVIDING TRAINING AND SUPPORT TO THE POOR · GH · controlled entity

  Directly controlled by OPPORTUNITY INTERNATIONAL INC

• OPPORTUNITY INTERNATIONAL MALAWI

  NGO PROVIDING TRAINING AND SUPPORT TO THE POOR · MI · controlled entity

  Directly controlled by OPPORTUNITY INTERNATIONAL INC

• OPPORTUNITY INTERNATIONAL RWANDA

  NGO PROVIDING TRAINING AND SUPPORT TO THE POOR · RW · controlled entity

  Directly controlled by OPPORTUNITY INTERNATIONAL INC

• OPPORTUNITY INTERNATIONAL UGANDA

  NGO PROVIDING TRAINING AND SUPPORT TO THE POOR · UG · controlled entity

  Directly controlled by OPPORTUNITY INTERNATIONAL INC

• OPPORTUNITY INTERNATIONAL ONG

  NGO PROVIDING TRAINING AND SUPPORT TO THE POOR · CG · controlled entity

  Directly controlled by OPPORTUNITY INTERNATIONAL INC

• FUNDACION OPPORTUNITY INT'L COLOMBIA

  NGO PROVIDING TRAINING AND SUPPORT TO THE POOR · CO · controlled entity

  Directly controlled by OPPORTUNITY INTERNATIONAL INC

• OPPORTUNITY INTERNATIONAL TANZANIA

  NGO PROVIDING TRAINING AND SUPPORT TO THE POOR · TZ · controlled entity

  Directly controlled by OPPORTUNITY INTERNATIONAL INC

Taxable family on this return

Schedule R Parts I, III and IV, as filed. These record ownership and control, not shared board members or money moved.

Provenance

Return type

form_990

Tax year

2024

Filed

12 August 2026

IRS schema version

2024v5.5

Source object

202602259349302240

Check it against the return as filed: the GivingTuesday Data Lake hosts a public copy of the original XML.

The source document this was parsed from is served over the API, which is where bulk and document access live.