Opportunity International

The information on this page was last updated 5/2/2022. If you see errors or omissions, please email: [email protected]


Opportunity International designs, delivers, and scales innovative financial solutions that help families living in extreme poverty build sustainable livelihoods and access quality education for their children. We equip families with the tools and training they need to build their businesses, improve their harvests, provide for their families, send their children to school, and break the cycle of poverty.

Contact information

Mailing address:
Opportunity International
PO Box 2826
Carol Stream, IL 60132-2826

Website: www.opportunity.org

Phone: 800-793-9455

Email: [email protected]

Organization details

EIN: 540907624

CEO/President: Mr. Atul Tandon

Chairman: LeAnn Pope

Board size: 11

Founder: Al Whittaker, David Bussau

Ruling year: 1971

Tax deductible: Yes

Fiscal year end: 09/30

Member of ECFA: No

Member of ECFA since:


Our vision is a world in which all people have the opportunity to achieve a life free from poverty, with dignity and purpose.

We 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 religion, race, ethnicity, or gender.

Mission statement

By providing financial solutions and training, we empower people living in poverty to transform their lives, their children's futures and their communities.

Statement of faith

OI uses the following to express its guiding principles:

"Give to the one who asks you, and do not turn away from one who wants to borrow from you." Matthew 5:42

People who care about the poor and hold scripture in high regard are not surprised to learn that several hundred verses in the Bible attest to God's concern for the poor. In Matthew 25, Jesus says,"whatever you did for one of the least of these brothers of mine, you did for me."

The Oxford Declaration on Christian Faith and Economics affirms that poverty was not part of God's original creation, and that poverty and powerlessness are an offence to God and a denial of his loving provision for his creatures. To neglect the poor reveals a lack of love that does not match God's unlimited concern for humanity, nor Christ's mission that portrays deep care for suffering people.

"He who oppresses a poor man insults his maker." Proverbs 14:31

Opportunity International heeds Christ's call to serve the poor by providing opportunities for impoverished people to transform their lives through microenterprise development--providing small business loans and training so people can work out of poverty with dignity. This strategy demonstrates that God's concern for the poor is not just to meet their economic needs, but to empower them to meet their own needs.

Donor confidence score

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Transparency grade


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Financial efficiency ratings

Sector: Relief and Development

CategoryRatingOverall rankSector rank
Overall efficiency rating997 of 102281 of 84
Fund acquisition rating899 of 102573 of 85
Resource allocation rating799 of 102567 of 85
Asset utilization rating1018 of 102284 of 84

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Balance sheet
Receivables, inventories, prepaids$2,259,560$7,685,745$9,787,708$13,277,250$12,138,656
Short-term investments$680,167$701,501$621,055$600,843$541,753
Other current assets$267,868$307,868$375,668$375,668$390,668
Total current assets$21,077,567$19,450,245$49,161,629$50,090,998$52,485,162
Long-term investments$8,012,280$9,099,254$8,709,397$8,812,520$5,931,467
Fixed assets$1,061,502$1,101,973$5,292,398$5,063,204$5,941,014
Other long-term assets$273,112,803$217,388,143$209,074,609$204,800,511$196,241,945
Total long-term assets$282,186,585$227,589,370$223,076,404$218,676,235$208,114,426
Total assets$303,264,152$247,039,615$272,238,033$268,767,233$260,599,588
Payables and accrued expenses$5,179,440$3,765,096$9,526,439$16,652,046$16,347,637
Other current liabilities$1,911,053$1,022,702$85,943,102$74,769,203$82,787,780
Total current liabilities$7,090,493$4,787,798$95,469,541$91,421,249$99,135,417
Due to (from) affiliates$2,414,331$2,348,531$2,172,309$0$0
Other long-term liabilities$229,531,428$182,486,320$78,104,100$2,499,887$3,396,794
Total long-term liabilities$245,045,025$197,380,259$132,354,688$135,587,002$118,729,005
Total liabilities$252,135,518$202,168,057$227,824,229$227,008,251$217,864,422
Net assets20202019201820172016
Without donor restrictions$32,456,299$32,122,866$31,404,461$23,481,903$24,214,979
With donor restrictions$18,672,335$12,748,692$13,009,343$18,277,079$18,520,187
Net assets$51,128,634$44,871,558$44,413,804$41,758,982$42,735,166
Revenues and expenses
Total contributions$20,269,755$21,117,710$19,435,604$21,966,111$30,812,404
Program service revenue$0$0$0$0$0
Membership dues$0$0$0$0$0
Investment income$0$0$25,902,197$21,226,434$27,194,148
Other revenue$1,346,025$1,739,246$15,061,457$578,642$1,482,045
Total other revenue$1,346,025$1,739,246$40,963,654$21,805,076$28,676,193
Total revenue$21,615,780$22,856,956$60,399,258$43,771,187$59,488,597
Program services$14,875,354$19,103,852$42,641,318$38,067,841$44,845,857
Management and general$1,312,969$1,512,149$2,254,629$2,733,353$2,511,814
Total expenses$18,799,156$24,177,432$48,615,122$44,501,390$51,659,065
Change in net assets20202019201820172016
Surplus (deficit)$2,816,624($1,320,476)$11,784,136($730,203)$7,829,532
Other changes in net assets$3,440,452$1,778,230($3,861,578)($245,981)($11,358,810)
Total change in net assets$6,257,076$457,754$7,922,558($976,184)($3,529,278)


Atul TandonCEO$539,732
Ronald GrayLegal Counsel$246,444
Roth Gregory ESVP, Philanthropy$234,678
Kurtz RandyChief Administrative Officer$230,277
Ripley Dennis WChief Program Officer$226,091
Lutz Mark KSVP, Philanthropy$224,976
Tomasik MargaretSVP, Finance$223,544
Haiduc Amelia SManaging Director$219,287
Reda Lana DChief Philanthropy Officer$204,667
Wiegman DavidVP, Program Operations$185,613
Olson LoriVP, Philanthropy$165,893

Compensation data as of: 12/31/2019

Response from ministry

No response has been provided by this ministry.

The information below was provided to MinistryWatch by the ministry itself. It was last updated 5/2/2022. To update the information below, please email: [email protected]


In 1971, Al Whittaker, president of Bristol-Meyers International Corporation, asked poor people, "What do you need?" They answered, "We need work. With jobs we will solve our own problems." Whittaker acted on that answer and founded the first Opportunity program in Latin America. In 1981 Al Whittaker, President Opportunity International, retired and is Chairman Emeritus.

In 1976, David Bussau, an Australian entrepreneur, founded a similar program in Indonesia. Three years later, the two programs united. Poor people on two continents proved that with small loans to start up or expand micro-businesses and cottage industries they could support their families. The Opportunity Network now has partners in 29 countries, in Africa, Asia, Latin America and Eastern Europe.

Program accomplishments

Opportunity serves families in 27 countries, with a strategic focus in 11 key countries.