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