OPPORTUNITY INTERNATIONAL INC

Opportunity's education finance program objectives are clear: get more children in better schools. We break down two obstacles to education: access and quality. Access means enabling more ways for children from low-income communities to safely attend school. We increase education access by connecting affordable non-state schools with financial institutions which provide school improvement loans for school facilities - more classrooms, school buses, computers and school fee loans which allow parents to send all their children to school. Quality means students have a safe, child-centered learning environment using best teaching practices so learners can be successful. School leadership professional development training allows school leaders to improve their schools both as places of learning and (see sch o) businesses. Teacher mentor professional development training helps schools build their capacity to provide regular, evidence-based teacher training and coaching to all their educators using a mentorship model. In 2024, education finance programs reached 3.4 million children in 19,556 schools and helped release more than $260 million in loans to schools and learners.

Opportunity implements its programs through a worldwide network of staff, branches, subsidiary banks and local nongovernmental organizations, as well as local implementing partners - commercial and nonprofit and microfinance institutions. Opportunity's programs are designed to maximize the local partner disbursement of loans, provision of savings accounts, remittance and others services to its clients, alongside the training and support provided by opportunity to them. Opportunity's objective is to increase empowerment, entrepreneurship and employability amongst bottom-of-the-pyramid households, as evidenced by an increase in regular income and quality of life standards. Opportunity maintains a minority equity interest and/or board representation in a number of key implementing partners to ensure a long term alignment of interest in serving the poor. Opportunity uses its charitable donations to invest equity, fund its direct operations, especially its education finance, agricultural finance, digital financial services and support its implementing partners. Its operating model results in the disbursed value of loans each year valuing on average 10 times the total charitable donations received. In 2024, agriculture finance programs reached over 580,000 households and released over $100 million in farmer loans.