With a $60 loan from Opportunity International,

Solange Mukakarangwa opened a small store near Ruhengeri, Rwanda. With her earnings and additional loans, she built several houses and offices to rent to neighbours for their own small businesses. Despite living in one of the poorest countries in the world, Solange now provides for her five children and promotes economic growth in her community.

Giving that Multiplies

How a single contribution creates a cycle of economic growth

microfinance A working solution to global poverty

Solange Mukakarangwa and her oldest son

295 The West Mall, Suite 504, Toronto, ON M9C 4Z4 877.867.2448 www.opportunityinternational.ca

client savings and commercial borrowings to significantly increase the size of our loan pool. On average, over the past five years, for every $100 contributed, the initial Multiplier Effect amounts to $147.
Opportunity International

Gifts are leveraged by

Dollars are recycled

as loans are repaid and the money benefits an ever-growing number of clients and their families.

Communities prosper

Founded in 1971, Opportunity International provides small business loans, savings, insurance and training to over two million people working their way out of poverty in the developing world. Clients in over 20 countries use these financial services to start or expand a business, provide for their families, create jobs for their neighbours and build a safety net for the future. Our work is motivated by the call of Jesus to serve the poor. Paper contains post-consumer content.

Compassionate capitalism can achieve what charity and good intentions sometimes cannot.
Ian Telfer Chairman, Goldcorp Inc.

as new income is reinvested to grow businesses, employ neighbours and enrol children in school creating an economic cycle of growth for every dollar contributed.
Solange Mukakarangwa

2010

Store owner, Rwanda

Canadian Registered Charity #: 87751 6385 RR0001

Global changes with every client

Every day, Opportunity International partners with people living in poverty. We provide the financial services they use to transform their lives.

savings
More than 500,000 savings accounts Opportunitys interest-bearing savings accounts provide a secure, convenient way for clients to manage money and prepare for a crisis or business opportunity. A sick child can get the needed medicine with a few dollars in the bank. A new roof can be purchased when money builds up over time. Savings bring stability and a move away from subsistence living.

loans
Fourteen million loans disbursed since 1971 When our clients build a business with an Opportunity loan, family incomes rise. Children are well fed and go to school. Neighbours become employees. Homes are improved. Women, who comprise 84% of our clients, gain status. These transformations take place every daybeginning with loans as little as $60. Opportunity offers a mix of loan products enabling clients to access larger loans as their businesses grow. A 95% loan repayment rate allows us to keep more money circulating in new loans.
Serbia

A client makes a deposit to her savings account at our bank in Kigali, Rwanda.

rural outreach
Romania Macedonia

Bertha Urrutia (right) uses Opportunity loans to expand her general store in Henequen, Colombia.

Opportunity banks, whether mobile, satellite kiosks or full service branches, address the financial needs of isolated rural communities. New branches are in development worldwide to reach families who have no other access to these services.
A mobile bank in Southern Malawi makes weekly stops within walking distance of clients homes.
China India

Mexico Honduras Nicaragua Dominican Republic

A client makes a transaction at one of our 13 bank branches in Ghana.

Philippines Ghana Uganda Democratic Republic of the Congo Rwanda Kenya Tanzania

Colombia

bank building
As a global leader in microfinance, Opportunity International is building scalable, sustainable and accessible banks throughout the developing world. These regulated banks provide people a place to safely deposit their savings, access capital to grow their businesses and purchase insurance to protect their assets all within their own communities.

Peru

Opportunity mobile bank supervisor Jose Rodrigues Magalhaes helps deliver financial services to people living in poverty in rural Mozambique.

In Chennai, India, Baba Trust Group members meet for their weekly training session.

Indonesia

Zambia Zimbabwe Malawi Mozambique

training
400 training modules AIDS education in Uganda, inventory management in the Philippines, a civil rights module in Colombia, domestic violence awareness in IndiaOpportunitys transformational training and development modules cover topics pertinent to clients across the globe. Trust Groups of 10 to 30 entrepreneurs, who pledge to guarantee each others loans, attend weekly sessions to develop business skills and enhance personal growth.

local staffing
11,500 staff worldwide Opportunity International is dedicated to recruiting and developing staff from within the countries we serve. Our diverse global team has grown to over 11,500 employeeswith more than 6,000 loan officers in the field. These local talented staff become leaders in building the economies of their own communities.

technology
Cards using biometrics provide convenient and secure access to financeseven for those who are illiterate or lack formal identification. New technologies such as cell phone banking and point-of-sale (POS) devices bring business-building financial services to remote areas.
Biometrics allow clients like Mercy Chipeta in Blantyre, Malawi to access their accounts without formal and expensive paper identification.
South Africa

Weather-indexed crop insurance offers client Alejandra Betita protection from typhoons in the Philippines.

insurance
One million policyholders Opportunitys insurance provides protection against many risks faced by those living in poverty. Innovative crop, loan and health insurance products offer clients a safety net when an unexpected hardship occurs. Life insurance, once unavailable to lower income families, can now be purchased in many countries for about $1.50 per month for a family of five.

Where we serve
Opportunity serves all people regardless of race, religion, ethnicity or gender.