Our shareholders


Opportunity International Savings Limited is a non bank financial institution licensed by the Central Bank of Ghana to operate in savings and loans. We serve micro and small entrepreneurs with small loans, deposits, and other financial services in the Greater Accra, Ashanti, and Brong Ahafo regions of Ghana.

We are a partner member of Opportunity International Network an ecumenical Christian economic development organization with 42 partners operating in Africa, Asia, Europe, Latin America and North America.
At year end 2005, our stated capital stood at GH¢ 2.8 million (US$3.1 million) making us the highest capitalized savings and loans company in Ghana.

Our Shareholders are committed to reaching the greatest number of people in order to transform their live and have a lasting impact on their families, their communities, and society at large.


Opportunity Transformation Investment (OTI) is a US corporation registered in Illinois. OTI is 100% owned by Opportunity International, a major US based charity dedicated to creating income generating opportunities for poor families in developing countries through microenterprise development.

OTI was created in 2001 to own and manage investments in commercial microfinance organizations and banks that are part of the Opportunity International Network. As at the end of 2005, OTI has invested more than $26 million in the equity of regulated microfinance organizations. This includes majority ownership positions in the following five institutions: Opportunity Bank of Montenegro (75% ownership); Opportunity Savings Bank-Serbia (74% ownership); PShM. Ltd, an Albanian finance company (99% ownership); Opportunity Mexico Ltd, a finance company (100% ownership); Banco Opportunidad de Mazambique (52% ownership). OTI also owns minority positions in the following institutions: Opportunity International Savings and Loans Limited, Ghana (51.5% ownership); Opportunity International Bank of Malawi (41% ownership); Opportunity Microfinance Bank-Philippines (30% ownership); OMRO, Ltd., Romania, (27% ownership); Zambuko, Ltd., Zimbabwe (20% ownership). The board of OTI is appointed by Opportunity International and consists of 4 voluntary members, and three senior managers of Opportunity International. The chairman of the OTI board is Brad Bell, CFO of Nalco International, a $10 billion company listed on the NYSE. Link to Opportunity International

Sinapi Aba Trust (SAT), a non governmental organization, was established in 1994 with the support of Opportunity International and duly registered under the laws of Ghana as a company limited by guarantee to support the poorest of the economically active poor to enhance their lives through microfinance and basic business training. SAT’s mission is to serve as a “Mustard Seed” through which opportunities for enterprise development and income generation are provided to the economically disadvantaged to transform their lives. Since its establishment by Opportunity International, SAT has accumulated tremendous experience and has distinguished itself as one of the best microfinance institutions in the country. The operations of SAT now cover 12 branches in 9 regions with over 34,000 clients served.Link to Sinapi Aba Trust

oikocredit A global development financing institution, Oikocredit is currently one of the largest private financiers of the microfinance sector worldwide. It has an Ethibel label and it is one of the few ethical investment funds, which finances development projects in the South benefiting disadvantaged and marginalized people.Oikocredit is a unique cooperative society, which encourages investors to invest their funds in a socially responsible manner. Loans are channeled through a network of Regional Offices managed by local professionals in Latin America, Asia, Africa and Central and Eastern Europe. More than 50% of its outstanding capital is with financial intermediaries, or microfinance institutions. Additionally, Oikocredit finances cooperatives and small and medium-sized enterprises involved in agriculture and agro processing, services and manufacturing. As at 31 December 2005, Oikocredit had supported over 467 project partners with an outstanding capital of 158 million euros. Link to Oikocredit

ICCO is an interchurch organization for development co-operation. In ICCO’s work there are three key policy themes: access to basic social services, democratization and peace building and fair economic development. With its motto; ‘worldwide commitment’, ICCO, with funding from the Dutch government and other European Union organizations, fights together with about 969 local partner organizations in 50 countries worldwide against poverty and injustice. ICCO’s annual turnover is in excess of 123 million euros.

how can we help you?

Contact us at any Opportunity International Savings and Loans branch nearest to you for financial advices.