Opportunity International

The information in this column was provided to MinistryWatch by the ministry itself. It was last updated 5/2/2022. To update the information in this column, please email: info@ministrywatch.com


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: getinfo@opportunity.org

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

Show donor confidence score details

Transparency grade


To understand our transparency grade, click here.

Financial efficiency ratings

Sector: Relief and Development

CategoryRatingOverall rankSector rank
Overall efficiency rating985 of 102282 of 85
Fund acquisition rating887 of 102473 of 85
Resource allocation rating721 of 102463 of 85
Asset utilization rating1018 of 102285 of 85

Financial ratios

Funding ratiosSector median20202019201820172016
Return on fundraising efforts Return on fundraising efforts =
Fundraising expense /
Total contributions
Fundraising cost ratio Fundraising cost ratio =
Fundraising expense /
Total revenue
Contributions reliance Contributions reliance =
Total contributions /
Total revenue
Fundraising expense ratio Fundraising expense ratio =
Fundraising expense /
Total expenses
Other revenue reliance Other revenue reliance =
Total other revenue /
Total revenue
Operating ratiosSector median20202019201820172016
Program expense ratio Program expense ratio =
Program services /
Total expenses
Spending ratio Spending ratio =
Total expenses /
Total revenue
Program output ratio Program output ratio =
Program services /
Total revenue
Savings ratio Savings ratio =
Surplus (deficit) /
Total revenue
Reserve accumulation rate Reserve accumulation rate =
Surplus (deficit) /
Net assets
General and admin ratio General and admin ratio =
Management and general expense /
Total expenses
Investing ratiosSector median20202019201820172016
Total asset turnover Total asset turnover =
Total expenses /
Total assets
Degree of long-term investment Degree of long-term investment =
Total assets /
Total current assets
Current asset turnover Current asset turnover =
Total expenses /
Total current assets
Liquidity ratiosSector median20202019201820172016
Current ratio Current ratio =
Total current assets /
Total current liabilities
Current liabilities ratio Current liabilities ratio =
Total current liabilities /
Total current assets
Liquid reserve level Liquid reserve level =
(Total current assets -
Total current liabilities) /
(Total expenses / 12)
Solvency ratiosSector median20202019201820172016
Liabilities ratio Liabilities ratio =
Total liabilities /
Total assets
Debt ratio Debt ratio =
Debt /
Total assets
Reserve coverage ratio Reserve coverage ratio =
Net assets /
Total expenses


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: info@ministrywatch.com


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.