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 and group 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 supporting Microfinance institutions to access credit and builds their capacities.
Opportunity International has 43 outlets across the country. As of December 2017 the institution had about 484,212 clients of which 50,240 are loan clients. Loan portfolio was GHS99.7 Million and client deposit balances were GHS139.2 Million. With a total asset of GHS206.9 Million and shareholders net worth of GHS35.05million, Opportunity International is 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 43brick 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, MoneyGram, Western Union, Transfast Worldwide Money Transfer, Ria Money Transfer, UnityLink, Small World and World Remit International 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 solution. This allows clients to access the institution from their cell phones. They are able to undertake the following transactions; for Funds Transfer, Balance Enquiry, AirTime Top-Up, and Internal/local Remittances and payments for services.
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 what 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 Institutions Network (GHAMFIN) and Ghana Association of Savings and Loans Companies (GHASALC).
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.