Form 990 for tax year 2023

Totals

Total revenue

$47,809,537

Total expenses

$48,753,965

Contributions and grants received

$31,989,270

Grants paid

$4,266,778

Program service revenue

$15,422,774

Investment income

$397,493

Other revenue

$0

Total assets, end of year

$68,689,756

Total liabilities, end of year

$39,812,193

Net assets or fund balances, end of year

$28,877,563

Program services expenses (Part IX)

$42,474,199

Management and general expenses

$1,591,581

Fundraising expenses

$4,688,185

Program service expenses (Part III)

$42,474,199

Program services were 87.1% 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 · 2023

• OPPORTUNITY INTERNATIONAL, INC., (OPPORTUNITY), IS A TAX EXEMPT, PUBLICLY SUPPORTED FAITH-BASED CORPORATION. BY PROVIDING FINANCIAL SERVICES, SUPPORT AND TRAINING, WE EQUIP PEOPLE LIVING IN POVERTY IN DEVELOPING COUNTRIES TO BUILD SUSTAINABLE INCOMES, EDUCATE THEIR CHILDREN AND ESCAPE GENERATIONAL POVERTY, IN THE PROCESS TRANSFORMING THEIR LIVES, THEIR CHILDREN'S FUTURES, AND THEIR COMMUNITIES. OPPORTUNITY'S MAJORITY OWNED BANKS EARN INCOME FROM ITS BANKING OPERATIONS AND FOCUS ON DEPLOYING LOCAL FUNDS AND FINANCIAL SERVICES TO ITS CLIENTS. OPPORTUNITY INTERNATIONAL SAVINGS AND LOANS IN GHANA (OISL) BELIEVES THEIR CUSTOMERS ARE AT THE CENTER OF THE BUSINESS AND ARE SERVED WITH LIFE CHANGING PRODUCTS SUCH AS LOANS, DEPOSITS, MICRO INSURANCE, E-BANKING SERVICES AND REMITTANCES. (SEE SCH O) TRANSFORMATIONAL TRAINING, BUSINESS ADVISORY SERVICES, AND CAPACITY BUILDING ARE EMBEDDED IN ALL CLIENT INTERACTIONS. THE BANK OPERATES IN TEN (10) OUT OF THE SIXTEEN (16) REGIONS IN GHANA, WITH THIRTY-FIVE (35) BRANCHES AND THREE (3) AGENCIES, PROVIDING INNOVATIVE FINANCIAL AND NON-FINANCIAL PRODUCTS AND SERVICES TO BRING CLIENTS AT THE BASE OF THE PYRAMID INTO THE MAINSTREAM FINANCIAL SERVICES, THEREBY ADVANCING FINANCIAL INCLUSION. IN 2024, OPPORTUNITY GHANA HAD OVER 50,000 LOAN CLIENTS AND OVER 260,000 CLIENTS WITH DEPOSITS.

  Expenses $11,909,205 · Revenue $15,422,774

• OPPORTUNITY IMPLEMENTS ITS PROGRAMS IN 30 COUNTRIES 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 PROVIDES GRANTS AND MAINTAINS A MINORITY EQUITY INTEREST IN A NUMBER OF KEY IMPLEMENTING PARTNERS TO ENSURE A LONG-TERM ALIGNMENT OF INTEREST IN SERVING THE POOR. ADDITIONALLY, SUCH INVESTMENTS ENABLE OPPORTUNITY TO LEVERAGE LOCAL INVESTOR FUNDS AND DEBT TO INCREASE SERVICES AND MAXIMIZE THE FUNDS DEPLOYED TO SERVE THE ECONOMIC NEEDS OF THE POOR. IN 2024 OPPORTUNITY AND ITS PARTNER ORGANIZATIONS SERVED 21.2 MILLION CLIENTS OF WHICH 93% OF MICROENTERPRISE CLIENTS ARE WOMEN. READ OUR 2024 IMPACT REPORT AT OPPORTUNITY.ORG/2024-IMPACT.

  Expenses $4,266,778 · Grants $4,266,778

• OPPORTUNITY'S EDUCATION FINANCE PROGRAM OBJECTIVES ARE CLEAR: GET MORE CHILDREN IN BETTER SCHOOLS. WE BREAK DOWN TWO OBSTACLES TO EDUCATION: ACCESS AND QUALITY. ACCESS MEANS ENABLING MORE WAYS FOR CHILDREN FROM LOW-INCOME COMMUNITIES TO SAFELY ATTEND SCHOOL. WE INCREASE EDUCATION ACCESS BY CONNECTING AFFORDABLE NON-STATE SCHOOLS WITH FINANCIAL INSTITUTIONS WHICH PROVIDE SCHOOL IMPROVEMENT LOANS FOR SCHOOL FACILITIES - MORE CLASSROOMS, SCHOOL BUSES, COMPUTERS AND SCHOOL FEE LOANS WHICH ALLOW PARENTS TO SEND ALL THEIR CHILDREN TO SCHOOL. QUALITY MEANS STUDENTS HAVE A SAFE, CHILD-CENTERED LEARNING ENVIRONMENT USING BEST TEACHING PRACTICES SO LEARNERS CAN BE SUCCESSFUL. SCHOOL LEADERSHIP PROFESSIONAL DEVELOPMENT TRAINING ALLOWS SCHOOL LEADERS TO IMPROVE THEIR SCHOOLS BOTH AS PLACES OF LEARNING AND (SEE SCH O) BUSINESSES. TEACHER MENTOR PROFESSIONAL DEVELOPMENT TRAINING HELPS SCHOOLS BUILD THEIR CAPACITY TO PROVIDE REGULAR, EVIDENCE-BASED TEACHER TRAINING AND COACHING TO ALL THEIR EDUCATORS USING A MENTORSHIP MODEL. IN 2024, EDUCATION FINANCE PROGRAMS REACHED 3.4 MILLION CHILDREN IN 19,556 SCHOOLS AND HELPED RELEASE MORE THAN $260 MILLION IN LOANS TO SCHOOLS AND LEARNERS.

  Expenses $11,515,517

• 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 $14,782,699

As filed on the 2023 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

  $615,812

  OPERATING FUNDS FOR COMMUNITY ECONOMIC DEVELOPMENT AND PRIVATE SCHOOL IN NICARAGUA

• RESULTS FOR DEVELOPMENT INSTITUTE INC - R4D

  $312,141

  ADVANCING PARTNERSHIPS FOR IMPROVED LEARNING (APIL) ACTIVITY IN GHANA

• FHI 360

  $276,845

  ADVANCING PARTNERSHIPS FOR IMPROVED LEARNING (APIL) ACTIVITY IN GHANA

• OPPORTUNITY TRANSFORMATION INVESTMENTS INC

  $177,062

  FUNDS TO AFFILIATE FOR MFI INVESTMENT AND DEBT REPAYMENT

• THE UNIVERSITY OF CHICAGO BECKER FRIEDMAN INSTITUTE

  $167,552

  SUPPORT OF INNOVATION LAB WORK REGARDING EDUFINANCE AND EDQUALITY INTERVENTIONS IN KENYA

• OPPORTUNITY INC

  $150,000

  FUNDS FOR OPERATING EXPENSES

• EASTERSEALS MORC

  $34,572

  CHILD NUTRITION PROGRAMS

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

2023

Filed

14 August 2025

IRS schema version

2023v6.0

Source object

202532269349302568

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

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