About Us

Opportunity International Savings and Loans Limited, (Opportunity International) is a leading savings and loans institution in Ghana.
Opportunity International is at the forefront of delivering transformational financial services to help transform the lives of clients.
It was licensed by the Bank of Ghana in June 2004. Opportunity International Savings and Loans limited is an implementing partner of Opportunity International.

Since its inception, Opportunity International has focused its key activities    on the marginalized, the poor and those who are excluded from mainstream     banking. It operates a business model that is not only transformational, but also profitable, sustainable and very fast growing. It places a premium on understanding the needs of its clients and  their capacity.  Opportunity International provides  sound financial education and support, using the individual approach to lending while promoting  a savings culture by offering innovative deposit  products. It assists micro, small and medium  size businesses which form the backbone of most developing economies.

In 2009, the company diversified its credit portfolio to provide financial services to small holder farmers, agro businesses and entrepreneurs in the agro value chain. To achieve this, Opportunity International collaborates with various specialists  in extension  services  delivery and off takers  while leveraging on technology  to impact the lives of Ghanaian  farmers through high yields resulting in high incomes.

In 2013,  it introduced housing  loans  for the  micro segment of its clients and empowerment  loan for the  disabled  in society.  In 2014,  it introduced institutional lending  with the  focus  on  support Microfinance institutions to access credit and build their capacities.

Opportunity  International  has  44  outlets  across  the  country.  As  of December  2016,  the  institution had  about  472,329 clients  of which 53,958 are  loan clients.  Loan portfolio was  GHS93.8  Million and  client deposit balances were  GHS124.7  Million. This makes  Opportunity  International, one  of the largest savings  and loans companies in the country. It has won several awards  including Best in Social Performance Management; Commitment to Professionalism in Microfinance Industry, Pillars of Microfinance, the Best non-bank financial institution for the year 2013 awarded by Chartered Institute of Marketing – Ghana,  and Pan African Leadership Merit Award (PAMA) in 2015.

Opportunity International attributes its achievements to its embedded values coupled with the highly trained, committed and skilled employees.

It makes significant investment in the training and professional development of its staff. Further it

provides a friendly and an enabling environment  for its  staff  to  thrive and achieve both personal and Institutional goals.  Opportunity  International derives its sustainable competitive advantage through its quality staff.

Opportunity values the commitment to serve the economically disadvantaged while  exhibiting  humility, respect,  and integrity to one another  and to our customers,  and   good   stewardship  of our resources. The bottom line is that lives are transformed for the better.

By leveraging on technology, Opportunity International has been able to maximize operational  efficiencies.  This has  been done in conjunction with an expansive national   branch   network   comprising 44 brick and mortar outlets, 4 Mobile Vans, 19  Automated Teller Machines (ATMs) and  several  Point of Sale (POS) devices  located  across the  length  and breadth of  Ghana. E-zwich  and  MTN Mobile Money, Money Gram, Western Union, Samba, Top Connect, Transfast and Ria Money Transfer are also part of the remittance  services which assists our clients and  stakeholders in transferring money  from one location  to the  other.  Recently  it added Opportunity  Mobile, a cell phone banking  application  for Funds Transfer, Balance Enquiry, AirTime Top-Up, and Internal/local Remittances.

Our value-based transformational banking, good customer service and unique product line sets us apart from our competitors. Client satisfaction is at the centre of that we do.

Opportunity  wishes  to  acknowledge the  support of its clients  and  assure them  of its continued commitment; not only towards  the growth of their businesses, but also their personal  development in the area of financial literacy. We aim to continue to design innovative products to meet the financial needs of our clients.

Opportunity remains true to its commitment to building a strong savings culture in the communities with financial literacy training.

Opportunity is also a member of Ghana Microfinance Network (GHAMFIN) and Ghana Association of Savings and Loans Companies (GHASALC).


Our vision is a world in which all people have the opportunity to achieve a life free from poverty, with dignity and purpose.

By providing financial solutions and training, we empower people particularly those living in poverty to transform their lives, their children’s futures and their communities.



  • Commitment
  • Humility
  • Respect
  • Integrity
  • Stewardship
  • Transformation


Opportunity has well-trained and dedicated staff who uphold our values and express them through the way they interact with our clients.



  • Channels  of savings for the less privileged
  • Transformational loans for the less privileged
  • SME loans for business growth
  • Remittance services Business training Micro insurance
  • Mobile banking for rural outreach and penetration
  • E-banking products

Our core values


To our clients and their transformation. We are committed to loving and serving those who are poor and marginalized in the developing world, striving to enable lasting improvement in their lives, families and communities. The needs, expectations and wellbeing of families in poverty inspire everything we do.


Living our values with transparency and consistency. We honour the trust placed in us by the families we serve, supporters, investors, program partners, service providers and staff, endeavouring to manage all our resources transparently, reflecting our motivation. We aim to do the right things for the right reasons, whether or not anyone will know.


A spirit of serving in all that we do. We are committed to modelling our behaviour on being of service to one another, and not on any supposed personal superiority or advantage (whether based on our position, influence, personality, wealth or otherwise).


Accountability, innovation and urgency. We are committed to being good stewards of resources, exercising a thoughtful and cost-effective use of time, skills and finances. We promote excellence, professionalism and best practice in every aspect of our work, seeking to maximise every opportunity to fulfil our mission. We believe in innovation, seeing it as another dimension of effective use of our time, talent and treasure. We are motivated by a sense of urgency to address the needs of families living in poverty and to help them transform their lives as quickly as possible.


Consideration shown to all people and commitment to teamwork. We operate on the basis of respect for all people; in particular, we aim to fully value everyone and to affirm personal dignity and uniqueness. This respect also is the foundation for our relationships with communities and others involved in our work – including supporters, investors, program partners and service providers.


Our ultimate goal in ourselves and others. We are committed to providing services, resources and encouragement that equip families and communities for better economic prospects, new futures, new hope and dignity. We acknowledge that transformation is a two-way street and that our staff and supporters also are part of the transformational journey.