MASTER CASE Prepared for X Donor/Company Name | Date

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2 | Opportunity International

THE CRISIS






THEY LACK

OPPORTUNITY


OUR SOLUTION


We believe in the dignity and purpose of every individual, and we believe in her ability to change the world. To invest in opportunity is the ultimate expression of that belief. Every loan, policy, innovation, service and relationship…it all sets a client's journey in motion. This

is the journey in which she will overcome circumstance, create momentum, and sustain transformational change for herself, her

family and her community. It is the journey of a lifetime.

I N V E S T I N G I N O P P O R T U N I T Y

OUR MODEL


ClientsAgents of Change

Knowledge:Training in financial literacy & business management practices

Human Capital:Donors, Local Loan Officers &

Staff, Community Partners

Financial Solutions:Capital, Bank Network,

Loans, Savings & Insurance

Better Futures: For Clients, Families & Communities

WHERE WE SERVE

28 COUNTRIES 20,700 LOCAL EMPLOYEES NEARLY 12M CLIENTS

Bangladesh*

Burkina Faso*

China

Colombia

Democratic

Dominican Republic

Republic of Congo

Ghana

Honduras

India

Indonesia

Kenya

Macedonia

Malawi

Mozambique


*MicroEnsure Insurance only

Nicaragua

Niger*

Nigeria*

Pakistan*

Peru

Philippines

Romania

Rwanda

Serbia

South Africa

Tanzania

Uganda

Zambia*

Zimbabwe

SUSTAINABLE IMPACT

Giving that multiplies


GIFTS ARE LEVERAGED

DOLLARS ARE RECYCLED

98% OF LOANSREPAID

COMMUNITIESPROSPER

O V E R F I V E Y E A R S

$6B E C O M E S$1

THE ROLE OF ENTREPRENEURS

Sparking economies through job creation

• In the poorest communities around the world, job opportunities are extremely limited • Since 1971, we have created or sustained 12.5 million jobs by giving our clients

human and financial capital


20202020 OPPORTUNITY INTERNATIONAL WILL INCREASE OUR REACH TO

20 MILLION JOBS IN THE DEVELOPING WORLD

BY

THE POWER OF INVESTING IN WOMEN

Empowering women to become leaders and income providers

Opportunity focuses significant attention and resources on helping women because:


This leaves them more vulnerable to

poverty, forced labor and violence

Cultural and legal inequities in many

developing countries prevent women from accessing training,

education and business opportunities

This means millions of women lack access to the basic necessities

they need to be productive

They have few tools to prepare for unexpected events and expenses

OUR SERVICES

Ending poverty through innovative financial solutions

SAVINGSLOANS INSURANCE TRAINING

Increasedincome and jobs

Securityfor the future

Protection from

disaster

Business skills and personal growth


COMPREHENSIVE IMPACT

Diverse array of loans that serve differently sized groups and businesses


Individuals

Trust Groups

Small-Medium Enterprises

TRUST GROUPS

Small groups take out loans together and act as collateral for one another


Client is given loanto build business

She receives vital business and leadership training

Her Trust Group supports and empowers her

Business grows and she repays her loan

The money is recycled from the repaid loan, allowing more women to receive loans

SMALL-MEDIUM ENTERPRISESDriving large-scale impact when loans to business owners result in jobs for hundreds of employees


ON-THE-GROUND SUPPORT

Driving impact by building capacity and leadership skills

TECHNOLOGY LEADERSHIP

Access to financial services

for the most marginalized and

remote clients

Transformational business skills and personal

growth


INITIATIVES

Impacting critical industries and value chains

EDUCATIONAGRICULTURE HEALTH

Increasing farmers’

incomes and food security

Increasing institutions and

enrollment opportunities

Educating communities

and protecting for the future



INITIATIVES

A G R I C U LT U R EInvesting in farmers to stabilize incomes and increase global food security


T H E C R I S I S

239 million people in Africa are under-nourished, despite living on 25% of the world’s arable land.

Most farmers operate at only 40% of their capacity, which means they lose critical profits that could feed and provide for their families.


C R I T I C A LC H A L L E N G E S

• Limited agricultural skills and low-quality products result in low yields

• No access to viable markets to maximize harvest profits

• No access to regulated lenders, which forces high interest rates

• Seasonal cash flows force discounted sales during the off-season


O P P O R T U N I T Y I N T E R N AT I O N A L’ SS O L U T I O N

The Agricultural Finance program provides smallholder farmers with the tools needed to sustainably improve crop yields by providing the following services:• Innovative, low-cost financial services

that help stabilize incomes and maintain more profits

• Loans to purchase high-quality products• Agricultural training from local experts• Access to markets that command higher

prices



The Agricultural Finance program serves smallholder farmers in:• Democratic Republic of Congo• Ghana• Kenya• Malawi• Mozambique• Rwanda• Tanzania• Uganda


G L O B A L I M PA C T

Investing in Africa’s farmers

• Administered 200,000 agricultural loans

• Total value of $43M

• Currently serving farmers growing more than 30 different crops



A G R I C U LT U R E

Our goal is to help 1.1 million farmers by

2018

C L I E N T S P O T L I G H T

Lucia Enacio

• After her husband, a farmer, passed away, Lucia became the sole provider for four of her children. Without enough seed or experience, she was unable to grow enough to feed her family.

• A loan from Opportunity changed everything. Lucia was finally able to buy bean seeds, learn how to increase her yield, set up a business plan and employ four people from her community.

• After her first harvest, she repaid the loan while also saving for the first time. She dreams of building a house and growing her business.


E D U C AT I O NInvesting in children for a future of greater economic sufficiency


T H E C R I S I S

Education is the single largest determinant of future economic status and self-sufficiency, and yet 121 million children worldwide are not in school.

Less education results in more illiteracy, crime, HIV/AIDS, and child marriage.



• High cost of attending school

• Vast distance students must travel to reach school

• Low-quality education offered

• High incidence of family trauma, which results in a lack of resources to pay for school



The Education Finance program empowers communities and spurs economic growth by providing the following educational services:• Loans to pay for students to go to school• Training for proprietors, as well as loans for

them to build new schools or expand and improve existing ones

• Insurance to cover school fees in the event of death or disablement in the family

• Financial education and training for youth


The Education Finance program serves:• Colombia• Dominican Republic • Ghana• India• Kenya• Malawi• Philippines• Rwanda• Tanzania• Uganda



Since launching the program, we have produced:

• 2,400 loans to school proprietors

• 66,000 School Fee loans to parents

• 3,100 Tertiary loans

• 117,000 Edusave accounts

• 44,000 active child/youth savings accounts



E D U C AT I O N

Our goal is to reach 2 million children by 2018


Bright Community Primary School

• Opportunity International provided a School Improvement Loan and a second loan to construct a new preschool

• After these investments, the school experienced a 27% increase in enrollment, was ranked 88th out of 10,000 schools in Uganda, and was able to repay its loans quickly, ensuring long-term sustainability


T E C H N O L O G YInvesting in innovative ways to access financial services


T H E C R I S I S

More than 27 million people in the world lack access to banking services.

Without financial tools and training, people cannot build and run businesses, support their families or break free from poverty.



• Very limited access to financial services in the most remote areas due to the high operating costs of running and insuring a brick-and-mortar bank

• High rates of illiteracy • Unreliable transportation



We use innovative technologies to overcome common obstacles, making financial services for our clients fast, secure, and affordable through: • Mobile phone banking, mobile banks

operated from vans, and ATMs that increase accessibility

• Fraud protection and cashless banking to protect safety

• Cloud technology to build efficiencies and ensure accuracy



Over the past four years, Opportunity International has:

• Reached nearly 200,000 clients with mobile banking services in six countries

• Established more than 1,300 financial access points in sub-Saharan Africa alone

• Implemented a common core banking platform across three African countries



T E C H N O L O G Y

Our goal is to reach 1.2 million clients through mobile

phone-based banking services by 2018


Eunice Atieno Onyango

• Eunice is a 30-year-old entrepreneur who started her own weaving business in 2007. An Opportunity loan in 2011 helped her invest in capacity and build a successful business.

• Today, Eunice completes much of her administrative work and banking using her mobile phone

• Having remote access to her Opportunity bank account and other financial services saves her significant amounts of time and travel expenses


L E A D E R S H I PInvesting in emerging leaders who can transform their local communities


T H E C R I S I S

There is a shortage of leaders in the developing world.

Even the most talented individuals often lack access to the tools and training they need to reach their leadership potential.



• Limited professional development opportunities

• Small talent pool in the banking industry

• Fierce competition among existing institutions



Opportunity International focuses on finding and training local emerging leaders with resources such as:• Online courses to enhance skills

• Coaching for development within individual roles

• Customized training

• Professional training for bank employees



• Local recruiting for our own staff

• 99% of our 20,700 staff members are citizens of the countries we serve



L E A D E R S H I P

Our goal is to maximize the leadership potential of each of our 20,700 global team members through engaging and rewarding professional development

and training


Katia Perez, Supervisor in Colombia

• Katia was raised by parents who started with nothing and worked very hard to give their four children a better life

• She participated in Opportunity International’s loan officer training to build her financial skills and help her develop as a leader

• Today, Katia has a University degree, is self-sufficient, and has been promoted to a supervisory role overseeing 10 loan officers


H E A LT H & S A N I TAT I O NInvesting in the healthcare access and practices that save lives


T H E C R I S I S

More than 800 million people in India lack access to the most basic health and sanitation services, such as a toilet or running water.

Poor healthcare results in widespread disease and illness, which deepens poverty, causes death and ravages communities.



• Poor health practices • Inadequate water• Lack of sewage and

waste management systems



We partner with established local organizations to improve the health of Indians through a multi-faceted approach, including:• Training Community Health Facilitators, who

educate other women on personal health and hygiene practices, distribute health care supplies and identify women who need loans to expand their businesses or start health-related ones

• Loans for water and sanitation improvements• Health insurance and health savings

accounts


I M PA C T

Investing in India

To date, we have:

• Engaged 2 million active loan clients

• Insurance covering 40,000 families

• Trained more than 1,200 Community Health Facilitators

• Reached 500,000 people



H E A LT H

Our goal is to train 5,000 Community Health Facilitators

by 2018


Imirty Devi, Community Health Facilitator (CHF)

• Imirty was inspired to adopt three orphans who were abandoned from a local hospital, which forced her to seek extra income

• After getting a loan for her candle-making business from Opportunity, she stabilized her income. To continue impacting her community, she joined the CHF program and completed the yearlong training process.

• Today Imirty is a leader in her community, teaching health education and facilitating group meeting



MEASUREMENT & IMPACT

SOCIAL PERFORMANCE MANAGEMENT

Monitoring our holistic goals to transform all areas of our clients’ lives

BUILDING CAPACITYIN PARTNERS

IMPLEMENTING BEST PRACTICES

BETTER SERVICES BETTER OUTCOMES


GLOBAL IMPACT

7.8MCLIENTS COVERED BY INSURANCE

4MSAVINGS CLIENTS

$1=6OVERFIVE YEARS

3.5MLOAN CLIENTS

98%LOANREPAYMENTRATE

$212MIN DEPOSITS

$774MGLOBAL LOANPORTFOLIO

$55AVERAGE SAVINGS BALANCE


INVEST IN SELF-SUSTAINING OUTREACH

Growing impact


OUR PARTNERS

Partnering with leaders in global development and philanthropy



APPENDIX

FIRST PRINCIPLES STATEMENTS


Our Vision A world in which all people have the opportunity to achieve a

life free from poverty, with dignity and purpose.

Our Mission By providing financial solutions and training, we empower

people living in poverty to transform their lives, their children’s futures and their communities.

Our MotivationWe respond to Jesus Christ's call to love and serve the poor. We seek to emulate the Good Samaritan, whose compassion

crossed ethnic groups and religions. We serve all people regardless of race, faith, ethnicity and gender.


VOICES OF SUPPORT

C A R LY F I O R I N A

Chair, Fiorina Foundation; Former Chair & CEO, Hewlett-Packard

“I believe eradicating poverty is a choice we should make and I believe it is a result we can achieve, if we focus on the right tools, the right people and the right organizations…I believe Opportunity International is an organization that not only has its heart in the right place, but is building a systemic, sustainable solution to the world’s poverty.”


B I L L G AT E S

Founder and Technology Advisor, Microsoft Corporation, Co-Chair, Bill and Melinda Gates Foundation

“Opportunity International created a program for farmers [in Malawi] where when they sell their products they are able to deposit into this digital savings account…What we see is that those who have the opportunity to participate in this program were six to seven times more likely to use new seeds and fertilizer in that next planting season. And so they were able to receive the benefits of that higher productivity and then year by year lift themselves out of poverty.”


WA R D B R E H M

Chairman, The Brehm Group Inc., Former Chairman, U.S. African Development Foundation

“We all believe that we should be able to pick ourselves up by our bootstraps. But that doesn’t work if you don’t know what a bootstrap is, let alone have any... I love the work of Opportunity International because they always listen first, and through listening help discover talents and opportunities that can then be turned into income generating opportunities.”


TO N Y C A M P O L O

Professor Emeritus, Eastern University

“Opportunity International [is] helping to create hundreds of small businesses and cottage industries that the poor of the world can own and run themselves. I have seen firsthand the good work done by Opportunity International and know that hundreds of thousands of jobs have been created by its efforts.”


A M B A S S A D O R TO N Y P. H A L L

Former U.S. Congressman and Ambassador

“Opportunity International gives people hope and dignity. It gets people up on their feet. It’s the best tool I’ve seen in the world today to bring people out of poverty. Money that’s invested in microfinance never stops working.”


R E E TA R O Y

President and CEO, The MasterCard Foundation

“Opportunity International [has] proven to be a strong partner and a leading microfinance institution…It’s rare to find an organization that is able to think outside the box, develop innovative approaches and still deliver such solid results.”


R I C K WA R R E N

Pastor, Saddleback Church

“From the bottom of my heart, I believe in Opportunity International. This organization is like the starter dough our neighbor gave Mom to make sourdough bread. When you give people the opportunity to create wealth, you help them for the rest of their life. Opportunity International are the pros at starter dough.”


M I C H E L E S U L L I VA N

President, Caterpillar Foundation

“If you are passionate about the future of women and girls, then you should know that Opportunity International is on the ground around the world with a proven track record of moving the needle against poverty.”


M A R A L . S O V E Y

President, John Deere Foundation

“The John Deere Foundation is seeking solutions for world hunger and Opportunity International is part of the answer, thanks to its innovative agricultural finance model. Together, we are creating a sustainable framework for increased food security that expands access to agricultural financing and helps farmers move from subsistence growing to cash crop production.”



OUR BRAND

BRAND STRATEGY

EMPOWERS.…the public to join the cause. Every $150 donated equals 1

more entrepreneur empowered.

I N V E S T I N G I N O P P O R T U N I T Y

INFORMS…our donors and the public about Opportunity’s mission

and allows a focus on women, agriculture, technology, health,

and education.

PROMOTES …the collective impact that

comes when our donors, our partners and our clients invest themselves and the chance for

opportunity.


BRAND IN ACTION

WE EARNED MORE THAN

1 BillionMEDIA IMPRESSIONS IN 2014

This media coverage is broadening awareness of Opportunity International and its key partners, while

demonstrating the organization’s position as a thought leader in

the microfinance industry


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