partner with us tofight poverty

unlocking potential together

our vision is a world in which all people have the opportunity to provide for their families and build a fulfilling life.

our belief is that small-scale entrepreneurs can be big change agents in overcoming global poverty.

our missionis to empower people to work their way out of chronic poverty, transforming their lives, their children’s futures and their communities.

our methodis to provide microfinance services, including lending, savings, insurance and transformational training, to people in need. To do this, we build and work through sustainable, local microfinance institutions.

our motivationis to respond to Jesus Christ’s call to love and serve the poor.

2122 York Road, Suite 150, Oak Brook, Illinois 60523 > 800.793.9455

Opportunity International provides access to savings, small business loans, insurance and training to over 4 million people working their way out of poverty in the developing world. Clients in more than 20 countries use these financial services to start or expand a business, provide for their families, create jobs for their neighbors and build a safety net for the future. Opportunity International is a 501(c)(3) non-profit and serves all people regardless of race, religion, ethnicity or gender.

©2012 Opportunity International 505.1.1012Printed on paper containing post-consumer content.

opportunity.org

Opportunity International is committed to

using your donation in the most effective way

possible. When combined with gifts from

others, your donation is multiplied throughout

the developing world, providing the greatest

number of opportunities for people living in

poverty to transform their lives.

Above: Ceramics businesswoman Concepcion Valenzuela in the Philippines.

On the cover: Sugarcane farmer Loy Naigaga (L) and Relationship Officer Phiona Ndikibuliraani in Uganda.

the needWomen make up the majority of those living in poverty. They face many legal and cultural inequities and are often excluded from the formal economy. These barriers put women at a disadvantage and make them more vulnerable to gender inequality or even forced labor or violence.

Despite these realities, women have consistently demonstrated inspiring resilience and determination to break free from a life of poverty. Numerous studies, and our own experience, show that financial services extended to women have a significant impact on the quality of life for their families, especially their children.

answering the needYour gift to Opportunity will empower women living in poverty to develop new roles as income earners and leaders within their community. With access to transformational training, and critical savings, loans and insurance products, our clients are able to build financial security and create stability for their families.

your support will help• Fund new loans for two million women globally

• Provide women worldwide with business skills and personal development training, empowering them to become leaders in their communities

• Offer savings services to more women, enabling financial autonomy and planning for the future

• Expand outreach where the need is greatest, such as in the Democratic Republic of Congo where millions of women need opportunity

invest in women

goal: $50 million by 2015, impacting two million women

Photos from left to right: Progress Trust Group members in Colombia; Banana vendor Mwajuma in Tanzania.

partner with us tofight poverty

unlocking potential together

our vision is a world in which all people have the opportunity to provide for their families and build a fulfilling life.

our belief is that small-scale entrepreneurs can be big change agents in overcoming global poverty.

our missionis to empower people to work their way out of chronic poverty, transforming their lives, their children’s futures and their communities.

our methodis to provide microfinance services, including lending, savings, insurance and transformational training, to people in need. To do this, we build and work through sustainable, local microfinance institutions.

our motivationis to respond to Jesus Christ’s call to love and serve the poor.

2122 York Road, Suite 150, Oak Brook, Illinois 60523 > 800.793.9455

Opportunity International provides access to savings, small business loans, insurance and training to over 4 million people working their way out of poverty in the developing world. Clients in more than 20 countries use these financial services to start or expand a business, provide for their families, create jobs for their neighbors and build a safety net for the future. Opportunity International is a 501(c)(3) non-profit and serves all people regardless of race, religion, ethnicity or gender.

©2012 Opportunity International 505.1.1012Printed on paper containing post-consumer content.

opportunity.org

Opportunity International is committed to

using your donation in the most effective way

possible. When combined with gifts from

others, your donation is multiplied throughout

the developing world, providing the greatest

number of opportunities for people living in

poverty to transform their lives.

Above: Ceramics businesswoman Concepcion Valenzuela in the Philippines.

On the cover: Sugarcane farmer Loy Naigaga (L) and Relationship Officer Phiona Ndikibuliraani in Uganda.

the needWomen make up the majority of those living in poverty. They face many legal and cultural inequities and are often excluded from the formal economy. These barriers put women at a disadvantage and make them more vulnerable to gender inequality or even forced labor or violence.

Despite these realities, women have consistently demonstrated inspiring resilience and determination to break free from a life of poverty. Numerous studies, and our own experience, show that financial services extended to women have a significant impact on the quality of life for their families, especially their children.

answering the needYour gift to Opportunity will empower women living in poverty to develop new roles as income earners and leaders within their community. With access to transformational training, and critical savings, loans and insurance products, our clients are able to build financial security and create stability for their families.

your support will help• Fund new loans for two million women globally

• Provide women worldwide with business skills and personal development training, empowering them to become leaders in their communities

• Offer savings services to more women, enabling financial autonomy and planning for the future

• Expand outreach where the need is greatest, such as in the Democratic Republic of Congo where millions of women need opportunity

invest in women

goal: $50 million by 2015, impacting two million women

Photos from left to right: Progress Trust Group members in Colombia; Banana vendor Mwajuma in Tanzania.

marginalized, and engaging clients in their owncommunities. Opportunity’s strategy maximizes the use of client-centered technology based on four principles:

Closer: bringing services to our clients’ neighborhoods so they can keep their businesses open and avoid costly travel to the bank

Wider: increasing financial inclusion with cell phone banking and other affordable options

Safer: protecting clients with cashless banking that reduces the risk of theft and provides a safe place to deposit, earn interest and grow savings

Cheaper: utilizing established and emergingtechnologies that increase efficiency and reduce operational costs and expenses for clients

your support will help• Fund efficient solutions, like cell phone banking, to provide low-cost, secure banking to formerly disenfranchised clients

• Establish points of access within one kilometer of a client’s home or business

• Enable us to migrate to Cloud-based systems

• Develop a new generation of skilled IT leaders

your investment will enable us to expand powerful microfinance services that help people unlock their potential and give them the means to move beyond poverty.

create opportunity

invest in teChnoLogy

goal: $15 million by 2015, breaking barriers to access

the needTo reach the nearly two billion people who lack access to banking and financial services, capable, dedicated local microfinance leaders are needed around the world. Yet often these professionals lack the opportunity to develop leadership skills, so potential is lost and communities suffer.

answering the needYour gift to Opportunity will help people build their capacity in business and in life. For us, ‘hiring from within’ means identifying and developing talented people and cultivating them for leadership roles. Your financial support will help Opportunity continue to develop human capital, one of the most important contributions we make to the communities we serve.

your support will help• Recruit and develop a global talent pipeline,

creating a pool of leaders capable of taking on key positions within Opportunity

• Provide development and vision-setting programs for senior management and other microfinance professionals

• Provide growth and learning opportunities to entry-level managers through the Emerging Leaders program

invest in LeADerS

invest in eDUCAting children

the needEducation is the single largest determining factor for future economic status. Yet, 130 million young people worldwide are not in school—and 70 percent are girls. If a girl cannot complete secondary school, she is at a higher risk of illiteracy, HIV and early marriage, offering little chance of reaching her potential.

answering the needYour gift to Opportunity will bring new educational opportunities to children in impoverished neighborhoods. With financial support and business training, school proprietors can build schools and hire teachers, as well as add classrooms, meal services and lavatories. Opportunity’s school fee loans help parents with unpredictable incomes pay for tuition.

• Fund school proprietor loans impacting 500,000 children in 2,000 schools

• Provide school fee loans to help the families of 50,000 children afford tuition

• Develop education-specific savings and insurance tools

your support will help

invest in fArmerS

goal: $36 million by 2015, impacting one million farmers

the needPoverty has a firm grip on rural areas in sub-Saharan Africa and millions lack access to sufficient high quality food. Even where natural resources are ample, people suffer from chronic malnourishment due to lack of access to financing, quality seed, fertilizer and distribution channels.

answering the needYour gift to Opportunity will help small-scale farmers move from subsistence to commercial farming so they can feed their families and their communities. Opportunity provides these farmers with affordable, convenient agricultural finance services and the technical assistance they need to grow more food and increase their profits. Our strategy engages with farmers at every level of the value chain—from planting to harvesting to selling crops—to ensure their success.

your support will help• Fund loans and savings services for

one million farmers in Africa

• Enable expansion of satellite branches, kiosks, point-of-sale and cell phone banking for our rural clients

• Build out protections for farmer families, including tailored savings programs and crop insurance, as well as establish relationships with input suppliers and crop buyers

goal: $5 million by 2015, impacting our global capacity

the need

Throughout the developing world, people are excluded from access to financial services by barriers like illiteracy, expensive transportation and geographic isolation.

answering the needYour gift to Opportunity will help our clients overcome these obstacles by bringing our services where few, if any, exist—reaching the most

Photos from left to right: Student Alice Mugena in Uganda; Rice farmer Elina Uwingeneye in Rwanda; Opportunity Bank Branch Manager Grace Quiobe in the Philippines; Opportunity mobile bank in Uganda.

goal: $25 million by 2015, impacting 550,000 children

marginalized, and engaging clients in their owncommunities. Opportunity’s strategy maximizes the use of client-centered technology based on four principles:

Closer: bringing services to our clients’ neighborhoods so they can keep their businesses open and avoid costly travel to the bank

Wider: increasing financial inclusion with cell phone banking and other affordable options

Safer: protecting clients with cashless banking that reduces the risk of theft and provides a safe place to deposit, earn interest and grow savings

Cheaper: utilizing established and emergingtechnologies that increase efficiency and reduce operational costs and expenses for clients

your support will help• Fund efficient solutions, like cell phone banking, to provide low-cost, secure banking to formerly disenfranchised clients

• Establish points of access within one kilometer of a client’s home or business

• Enable us to migrate to Cloud-based systems

• Develop a new generation of skilled IT leaders

your investment will enable us to expand powerful microfinance services that help people unlock their potential and give them the means to move beyond poverty.

create opportunity

invest in teChnoLogy

goal: $15 million by 2015, breaking barriers to access

the needTo reach the nearly two billion people who lack access to banking and financial services, capable, dedicated local microfinance leaders are needed around the world. Yet often these professionals lack the opportunity to develop leadership skills, so potential is lost and communities suffer.

answering the needYour gift to Opportunity will help people build their capacity in business and in life. For us, ‘hiring from within’ means identifying and developing talented people and cultivating them for leadership roles. Your financial support will help Opportunity continue to develop human capital, one of the most important contributions we make to the communities we serve.

your support will help• Recruit and develop a global talent pipeline,

creating a pool of leaders capable of taking on key positions within Opportunity

• Provide development and vision-setting programs for senior management and other microfinance professionals

• Provide growth and learning opportunities to entry-level managers through the Emerging Leaders program

invest in LeADerS

invest in eDUCAting children

the needEducation is the single largest determining factor for future economic status. Yet, 130 million young people worldwide are not in school—and 70 percent are girls. If a girl cannot complete secondary school, she is at a higher risk of illiteracy, HIV and early marriage, offering little chance of reaching her potential.

answering the needYour gift to Opportunity will bring new educational opportunities to children in impoverished neighborhoods. With financial support and business training, school proprietors can build schools and hire teachers, as well as add classrooms, meal services and lavatories. Opportunity’s school fee loans help parents with unpredictable incomes pay for tuition.

• Fund school proprietor loans impacting 500,000 children in 2,000 schools

• Provide school fee loans to help the families of 50,000 children afford tuition

• Develop education-specific savings and insurance tools

your support will help

invest in fArmerS

goal: $36 million by 2015, impacting one million farmers

the needPoverty has a firm grip on rural areas in sub-Saharan Africa and millions lack access to sufficient high quality food. Even where natural resources are ample, people suffer from chronic malnourishment due to lack of access to financing, quality seed, fertilizer and distribution channels.

answering the needYour gift to Opportunity will help small-scale farmers move from subsistence to commercial farming so they can feed their families and their communities. Opportunity provides these farmers with affordable, convenient agricultural finance services and the technical assistance they need to grow more food and increase their profits. Our strategy engages with farmers at every level of the value chain—from planting to harvesting to selling crops—to ensure their success.

your support will help• Fund loans and savings services for

one million farmers in Africa

• Enable expansion of satellite branches, kiosks, point-of-sale and cell phone banking for our rural clients

• Build out protections for farmer families, including tailored savings programs and crop insurance, as well as establish relationships with input suppliers and crop buyers

goal: $5 million by 2015, impacting our global capacity

the need

Throughout the developing world, people are excluded from access to financial services by barriers like illiteracy, expensive transportation and geographic isolation.

answering the needYour gift to Opportunity will help our clients overcome these obstacles by bringing our services where few, if any, exist—reaching the most

Photos from left to right: Student Alice Mugena in Uganda; Rice farmer Elina Uwingeneye in Rwanda; Opportunity Bank Branch Manager Grace Quiobe in the Philippines; Opportunity mobile bank in Uganda.

goal: $25 million by 2015, impacting 550,000 children

marginalized, and engaging clients in their owncommunities. Opportunity’s strategy maximizes the use of client-centered technology based on four principles:

Closer: bringing services to our clients’ neighborhoods so they can keep their businesses open and avoid costly travel to the bank

Wider: increasing financial inclusion with cell phone banking and other affordable options

Safer: protecting clients with cashless banking that reduces the risk of theft and provides a safe place to deposit, earn interest and grow savings

Cheaper: utilizing established and emergingtechnologies that increase efficiency and reduce operational costs and expenses for clients

your support will help• Fund efficient solutions, like cell phone banking, to provide low-cost, secure banking to formerly disenfranchised clients

• Establish points of access within one kilometer of a client’s home or business

• Enable us to migrate to Cloud-based systems

• Develop a new generation of skilled IT leaders

your investment will enable us to expand powerful microfinance services that help people unlock their potential and give them the means to move beyond poverty.

create opportunity

invest in teChnoLogy

goal: $15 million by 2015, breaking barriers to access

the needTo reach the nearly two billion people who lack access to banking and financial services, capable, dedicated local microfinance leaders are needed around the world. Yet often these professionals lack the opportunity to develop leadership skills, so potential is lost and communities suffer.

answering the needYour gift to Opportunity will help people build their capacity in business and in life. For us, ‘hiring from within’ means identifying and developing talented people and cultivating them for leadership roles. Your financial support will help Opportunity continue to develop human capital, one of the most important contributions we make to the communities we serve.

your support will help• Recruit and develop a global talent pipeline,

creating a pool of leaders capable of taking on key positions within Opportunity

• Provide development and vision-setting programs for senior management and other microfinance professionals

• Provide growth and learning opportunities to entry-level managers through the Emerging Leaders program

invest in LeADerS

invest in eDUCAting children

the needEducation is the single largest determining factor for future economic status. Yet, 130 million young people worldwide are not in school—and 70 percent are girls. If a girl cannot complete secondary school, she is at a higher risk of illiteracy, HIV and early marriage, offering little chance of reaching her potential.

answering the needYour gift to Opportunity will bring new educational opportunities to children in impoverished neighborhoods. With financial support and business training, school proprietors can build schools and hire teachers, as well as add classrooms, meal services and lavatories. Opportunity’s school fee loans help parents with unpredictable incomes pay for tuition.

• Fund school proprietor loans impacting 500,000 children in 2,000 schools

• Provide school fee loans to help the families of 50,000 children afford tuition

• Develop education-specific savings and insurance tools

your support will help

invest in fArmerS

goal: $36 million by 2015, impacting one million farmers

the needPoverty has a firm grip on rural areas in sub-Saharan Africa and millions lack access to sufficient high quality food. Even where natural resources are ample, people suffer from chronic malnourishment due to lack of access to financing, quality seed, fertilizer and distribution channels.

answering the needYour gift to Opportunity will help small-scale farmers move from subsistence to commercial farming so they can feed their families and their communities. Opportunity provides these farmers with affordable, convenient agricultural finance services and the technical assistance they need to grow more food and increase their profits. Our strategy engages with farmers at every level of the value chain—from planting to harvesting to selling crops—to ensure their success.

your support will help• Fund loans and savings services for

one million farmers in Africa

• Enable expansion of satellite branches, kiosks, point-of-sale and cell phone banking for our rural clients

• Build out protections for farmer families, including tailored savings programs and crop insurance, as well as establish relationships with input suppliers and crop buyers

goal: $5 million by 2015, impacting our global capacity

the need

Throughout the developing world, people are excluded from access to financial services by barriers like illiteracy, expensive transportation and geographic isolation.

answering the needYour gift to Opportunity will help our clients overcome these obstacles by bringing our services where few, if any, exist—reaching the most

Photos from left to right: Student Alice Mugena in Uganda; Rice farmer Elina Uwingeneye in Rwanda; Opportunity Bank Branch Manager Grace Quiobe in the Philippines; Opportunity mobile bank in Uganda.

goal: $25 million by 2015, impacting 550,000 children

partner with us tofight poverty

unlocking potential together

our vision is a world in which all people have the opportunity to provide for their families and build a fulfilling life.

our belief is that small-scale entrepreneurs can be big change agents in overcoming global poverty.

our missionis to empower people to work their way out of chronic poverty, transforming their lives, their children’s futures and their communities.

our methodis to provide microfinance services, including lending, savings, insurance and transformational training, to people in need. To do this, we build and work through sustainable, local microfinance institutions.

our motivationis to respond to Jesus Christ’s call to love and serve the poor.

2122 York Road, Suite 150, Oak Brook, Illinois 60523 > 800.793.9455

Opportunity International provides access to savings, small business loans, insurance and training to over 4 million people working their way out of poverty in the developing world. Clients in more than 20 countries use these financial services to start or expand a business, provide for their families, create jobs for their neighbors and build a safety net for the future. Opportunity International is a 501(c)(3) non-profit and serves all people regardless of race, religion, ethnicity or gender.

©2012 Opportunity International 505.1.1012Printed on paper containing post-consumer content.

opportunity.org

Opportunity International is committed to

using your donation in the most effective way

possible. When combined with gifts from

others, your donation is multiplied throughout

the developing world, providing the greatest

number of opportunities for people living in

poverty to transform their lives.

Above: Ceramics businesswoman Concepcion Valenzuela in the Philippines.

On the cover: Sugarcane farmer Loy Naigaga (L) and Relationship Officer Phiona Ndikibuliraani in Uganda.

the needWomen make up the majority of those living in poverty. They face many legal and cultural inequities and are often excluded from the formal economy. These barriers put women at a disadvantage and make them more vulnerable to gender inequality or even forced labor or violence.

Despite these realities, women have consistently demonstrated inspiring resilience and determination to break free from a life of poverty. Numerous studies, and our own experience, show that financial services extended to women have a significant impact on the quality of life for their families, especially their children.

answering the needYour gift to Opportunity will empower women living in poverty to develop new roles as income earners and leaders within their community. With access to transformational training, and critical savings, loans and insurance products, our clients are able to build financial security and create stability for their families.

your support will help• Fund new loans for two million women globally

• Provide women worldwide with business skills and personal development training, empowering them to become leaders in their communities

• Offer savings services to more women, enabling financial autonomy and planning for the future

• Expand outreach where the need is greatest, such as in the Democratic Republic of Congo where millions of women need opportunity

invest in women

goal: $50 million by 2015, impacting two million women

Photos from left to right: Progress Trust Group members in Colombia; Banana vendor Mwajuma in Tanzania.