Opportunity International Inc
Public records show a registered, tax-exempt organization in good standing.
What it says it does
OPPORTUNITY INTERNATIONAL, INC., (OPPORTUNITY), IS A TAX EXEMPT, PUBLICLY SUPPORTED FAITH-BASED CORPORATION. BY PROVIDING FINANCIAL SOLUTIONS, SUPPORT AND TRAINING, WE EQUIP PEOPLE LIVING IN POVERTY IN DEVELOPING COUNTRIES TO BUILD SUSTAINABLE INCOMES, EDUCATE (SEE SCH O) THEIR CHILDREN AND ESCAPE GENERATIONAL POVERTY, IN THE PROCESS TRANSFORMING THEIR LIVES, THEIR CHILDREN'S FUTURES, AND THEIR COMMUNITIES. OPPORTUNITY'S PROGRAMS ARE FINANCED THROUGH CHARITABLE DONATIONS, EARNED INCOME FROM ITS BANKING OPERATIONS AND FOCUSED ON DEPLOYING LOCAL FUNDS AND FINANCIAL SERVICES, PROVIDED BY PARTNER BANKS AND OTHER FINANCIAL INSTITUTIONS TO ITS CLIENTS.
- Income
- $51.1 million
- Spending
- $50.9 million
- Spent on programs
- 87%
- Reserves
- 0.7 months of spending
- Largest source of income
- donations and private grants, 61%
- Employees
- 86
- Volunteers
- 78
- Highest pay
- $653,777, ceo
Source: Form 990 for the year ending September 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Financial health
Fair: 51 out of 100. Higher than 20% of charities in its peer group (international, $10m to $100m).
Reserves
4 of 35Spendable reserves would cover 0.7 months of spending.
Debt
5 of 20It owes 64% of what it owns.
Living within its means
12 of 15Income exceeded spending by 0% of income.
Income trend
15 of 15Income rose 7% on the year before.
Spending floor
15 of 1587% of spending went to programs and raising each dollar of donations cost 15 cents.
Source: Form 990 for the year ending September 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Governance
Strong: 100 out of 100. Higher than 36% of charities in its peer group (international, $10m to $100m).
Independent board
25 of 2512 of 13 voting board members are independent.
Conflict of interest policy
15 of 15Has a written conflict of interest policy.
Whistleblower policy
8 of 8Has a written whistleblower policy.
Record keeping policy
7 of 7Has a written policy on keeping and destroying records.
Board minutes
5 of 5Keeps minutes of board meetings.
Board sees the tax return
10 of 10Gave the board a copy of this return before filing it.
Pay set independently
5 of 5Sets its chief executive's pay through independent review and comparison.
Independent check of accounts
15 of 15Its accounts were audited by an independent accountant.
No reported misuse
10 of 10Reports no diversion of assets, excess benefits or loans to insiders.
Source: Form 990 for the year ending September 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Impact evidence
Describes programs. Its tax return describes what it does but we have found no measurable results in it.
Programs described in its return (4)
- $13.0 million spent. 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.
- $3.3 million spent. 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.
- $9.7 million spent. 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.
- $18.5 million spent. 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.
Source: Form 990 for the year ending September 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Legitimacy checks
Is it registered with the IRS? Passed.
Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Has the IRS revoked its tax-exempt status? Passed.
Not on the IRS automatic revocation list.
Source: Automatic revocation of exemption list, Internal Revenue Service, file dated October 13, 2026.
Are donations tax-deductible? Passed.
On the IRS list of organizations eligible to receive tax-deductible contributions.
Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated October 13, 2026.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending September 2025.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since January 1973.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it in good standing with state regulators? Passed.
Not on California's list of charities barred from soliciting. Other states are not yet checked.
Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 21, 2026.
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