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Opportunity International
Also known as Opportunity International-Us
Opportunity International reported $51.1 million in revenue and $50.9 million in expenses for the fiscal year ending September 30, 2025. Of every $100 it spent, $87.26 went to program services, $3.29 to management and general costs and $9.45 to fundraising. Its largest source of revenue was contributions and grants: 64.7% of the total. The highest compensation it reported for one person was $653,777 (CEO). 37 people received more than $100,000 in reportable compensation. Revenue fell 32% between 2019 and FY2025. Source: Form 990, FY2025.
Where $100 of spending went
The fiscal year ending September 30, 2025 · Form 990, Part IX, line 25 · total expenses $51MFor context, the median across 469 covered international, foreign affairs & national security charities: $89.04 programs, $8.28 management, $2.68 fundraising (medians computed separately, so they may not sum to $100).
Where $100 of revenue came from
The fiscal year ending September 30, 2025 · Form 990, Part VIII · total revenue $51MThe 990 scorecard · same measures for every charity, no grades
| Measure | FY2025 | Median |
|---|---|---|
| Program services Part IX 25(B) ÷ 25(A) | 87.3% | 86.1% |
| Management & general Part IX 25(C) ÷ 25(A) | 3.3% | 8.0% |
| Fundraising Part IX 25(D) ÷ 25(A) | 9.5% | 2.6% |
| Fundraising cost per $1 of contributions Part IX 25(D) ÷ Part VIII 1h | $0.15 | $0.03 |
| Contributions & grants share of revenue Part VIII 1h ÷ 12 | 64.7% | 96.6% |
| Government grants share of revenue Part VIII 1e ÷ 12 | 3.6% | 0.0% |
| Program service revenue share Part VIII 2g ÷ 12 | 34.8% | 0.0% |
| Highest reported compensation Part VII-A, columns D–F | $653,777 | $341,362 |
| Highest compensation as share of expenses Part VII-A ÷ Part IX 25(A) | 1.28% | 1.06% |
| People paid over $100,000 Part VII, line 2 | 37 | 10 |
| Net assets, in months of expenses Part X 33(B) ÷ monthly expenses | 7.1 | 7.5 |
| Independent voting board members Part VI 1a–1b | 12 of 13 | 100.0% |
A median is context, not a target: hospitals, universities, food banks and grantmakers spend in very different ways. What these measures can and can't tell you.
What the money paid for, in its own words
FY2025 · Form 990, Part III · the three largest programs by expenseOpportunity International, inc., (opportunity), a tax-exempt organization, aims to equip people living in poverty in developing countries with the financial resources, skills and support they need to build sustainable incomes, educate their children and escape generational poverty. Opportunity holds a majority share in opportunity internationational savings and loan in ghana (oisl). Oisl is a leading savings and loan bank licensed by the bank of ghana in june 2004. The bank operates across 10 of the 16 regions in the country, advancing financial inclusion, using an innovative range of…
Opportunity operates worlwide through a global network of 148 financial institution partners as well as local implementing partners. Opportunity works in 28 countries, including 12 of the countries with the highest number of people living in extreme poverty. In 2025, oppportunity and its partners mobilized $1.9 billion in capital, reached 16.7 million unique clients, impacted 5 million school children, and supported 574,776 farmers
Opportunity's education finance program aims to increase access to education by accelerating investments into affordable local schools and improve the quality of education by equipping school proprietors and teachers with training and resources. In 2025, opportunity reached 5 million children, released $292.5 million in loans provided to schools and learners, had over 5,232 schools participating in eduquality programs, and partnered with 106 financial institutions
Highest reported compensation
FY2025 · Form 990, Part VII, Section A · roles as filed; names are in the filing, not here| Role | From this org | From related orgs | Other | Total |
|---|---|---|---|---|
| CEO Director/trustee, officer, 60.00 hrs/week | $621,858 | $0 | $31,919 | $653,777 |
| EXEC VP, INT'L PROG. & CAP SOLUTIONS Highest compensated employee, 43.00 hrs/week | $278,757 | $0 | $40,199 | $318,956 |
| CHIEF FINANCIAL OFFICER Officer, 55.00 hrs/week | $264,533 | $0 | $25,593 | $290,126 |
| SVP, PHILANTHROPY Highest compensated employee, 50.00 hrs/week | $243,613 | $0 | $32,051 | $275,664 |
| VP, CORP. DEVELOPMENT (TERM 09/2025) Highest compensated employee, 20.00 hrs/week | $229,202 | $0 | $37,336 | $266,538 |
| MANAGING DIRECTOR, STRATEGIC PARTNER Highest compensated employee, 40.00 hrs/week | $224,085 | $0 | $37,140 | $261,225 |
| STAFF & SECRETARY (TERM 09/2025) Officer, 47.00 hrs/week | $213,038 | $0 | $29,944 | $242,982 |
| SVP, INT'L BUSINESS DEVELOPMENT Highest compensated employee, 40.00 hrs/week | $209,331 | $0 | $29,844 | $239,175 |
37 people received more than $100,000 in reportable compensation from Opportunity International (Part VII, line 2). Compensation of current officers, directors and key employees totaled $913K (Part IX, line 5).
6 years of filings
Form 990, Parts I, VII, IX and X · each row is that year's own filing, linkedGovernance answers, as filed
FY2025 · the organization's own yes/no answers; explanations, if any, are in Schedule O of the filing · what each means- Voting board members, and how many are independent Part VI, lines 1a–1b13 · 12 independent
- Audited financial statements Part XII 2bYes
- Conflict-of-interest policy Part VI 12aYes
- Whistleblower policy Part VI 13Yes
- Document retention policy Part VI 14Yes
- Independent process for top executive pay Part VI 15aYes
- Board given the 990 before filing Part VI 11aYes
- Family or business ties among insiders Part VI 2No
- Aware of a significant diversion of assets Part VI 5No
- Excess benefit transaction with an insider Part IV 25aNo
- Loans to or from insiders outstanding Part IV 26No
- Lobbying, or a 501(h) election in effect Part IV 4No
- Over $15,000 of professional fundraising services Part IV 18No
- Over $10,000 of activity outside the U.S. Part IV 14bYes
- Employees Part I, line 586
- Volunteers Part I, line 678
Largest outside contractors
FY2025 · Form 990, Part VII, Section B · businesses only| AFRICA HR SOLUTIONS Professional employment organization | $1,714,337 |
| SAFEGUARD GLOBAL Professional employment organization | $822,840 |
| APPLIED INFORMATION SCIENCES INC Software development consultants | $437,183 |
| CHUHAK & TECSON PC Legal services | $259,381 |
| BAKER TILLY US LLP Audit & accounting | $166,567 |
Individuals listed as contractors are left out. 21 contractors were paid more than $100,000 in all.
Private foundation grants it received
70 private foundations reported grants to Opportunity International totaling $5.4M on their tax year 2023 Form 990-PF returns. See which foundations, on WHOFUNDS.
Source: WHOFUNDS open grant graph, matched from Form 990-PF Part XV.
Correct a figure or respond
Every number above is copied from Opportunity International's own Form 990. If one doesn't match the filing, that's our error and we'll fix it. If you work for Opportunity International, you can publish a response that is linked from this page.
Share or embed this breakdown
Of every $100 Opportunity International spent in FY2025, $87.26 went to programs. The full breakdown, from its IRS Form 990:
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Questions people ask
How much of Opportunity International's spending goes to programs?
In the fiscal year ending September 30, 2025, Opportunity International reported that 87.3% of its $50.9 million in expenses went to program services, 3.3% to management and general and 9.5% to fundraising (Form 990, Part IX).
How much does Opportunity International pay its top executive?
The largest total compensation Opportunity International reported for one person in the fiscal year ending September 30, 2025 was $653,777, for the role of CEO (Form 990, Part VII, including compensation from related organizations and other compensation).
Where does Opportunity International get its money?
Of $51.1 million in revenue in the fiscal year ending September 30, 2025, 64.7% came from contributions and grants (including 3.6% from government grants) and 34.8% from program service revenue (Form 990, Part VIII).
Is Opportunity International a registered charity?
The IRS lists EIN 54-0907624 as a 501(c)(3) organization (publicly supported organization (170(b)(1)(a)(vi))), and its records show contributions as tax-deductible. Form 990 filings on record here cover tax years 2019, 2020, 2021, 2022, 2023, 2024. A filing shows what the organization reported; it doesn't by itself show whether a program works.
Sources
- FY2025: Form 990 for the fiscal year ending September 30, 2025, object 202602259349302240 · read the filing
- FY2024: Form 990 for the fiscal year ending September 30, 2024, object 202532269349302568 · read the filing
- FY2023: Form 990 for the fiscal year ending September 30, 2023, object 202422289349301042 · read the filing
- FY2022: Form 990 for the fiscal year ending September 30, 2022, object 202302269349303040 · read the filing
- FY2021: Form 990 for the fiscal year ending September 30, 2021, object 202202249349302335 · read the filing
- 2019: Form 990 for calendar year 2019, object 202003189349305380 · read the filing
All filings for EIN 54-0907624: ProPublica Nonprofit Explorer · IRS Tax Exempt Organization Search. Figures are as the organization reported them; we have not audited them.