Opportunity International

The information on this page was last updated 3/15/2023. 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
P.O. Box 2826
Carol Stream, IL 60132-2826

Website: www.opportunity.org

Phone: 800-793-9455

Email: [email protected]

Organization details

EIN: 540907624

CEO/President: Atul Tandon

Chairman: LeAnn Pope

Board size: 12

Founder: Al Whittaker, David Bussau

Ruling year: 1973

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

Donor confidence score

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Transparency grade


To understand our transparency grade, click here.

Financial efficiency ratings

Sector: Relief and Development

CategoryRatingOverall rankSector rank
Overall efficiency rating986 of 109766 of 84
Fund acquisition rating991 of 109971 of 84
Resource allocation rating638 of 109946 of 84
Asset utilization rating936 of 109768 of 84

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Balance sheet
Receivables, inventories, prepaids$15,676,132$14,971,572$15,219,263$19,019,724$19,476,896
Short-term investments$5,803,431$0$0$0$0
Other current assets$0$0$0$0$0
Total current assets$51,011,864$55,620,606$70,309,076$76,998,260$77,161,360
Long-term investments$611,151$820,872$701,501$621,055$560,650
Fixed assets$3,552,681$2,598,147$11,599,068$6,568,993$6,448,978
Other long-term assets$18,071,092$26,627,330$160,149,299$181,935,513$169,757,491
Total long-term assets$22,234,924$30,046,349$172,449,868$189,125,561$176,767,119
Total assets$73,246,788$85,666,955$242,758,944$266,123,821$253,928,479
Payables and accrued expenses$8,540,600$6,116,252$14,545,814$12,944,935$16,579,556
Other current liabilities$669,372$2,265,630$4,924,783$4,575,469$4,237,692
Total current liabilities$9,209,972$8,381,882$19,470,597$17,520,404$20,817,248
Due to (from) affiliates$0$0$0$0$0
Other long-term liabilities$25,395,560$39,381,444$142,301,908$153,142,974$140,856,758
Total long-term liabilities$29,385,635$45,259,914$181,257,686$204,571,574$188,974,017
Total liabilities$38,595,607$53,641,796$200,728,283$222,091,978$209,791,265
Net assets20222021201920182017
Without donor restrictions$14,336,726$15,722,105$29,281,969$31,022,500$25,860,135
With donor restrictions$20,314,455$16,303,054$12,748,692$13,009,343$18,277,079
Net assets$34,651,181$32,025,159$42,030,661$44,031,843$44,137,214
Revenues and expenses
Total contributions$29,699,588$25,064,936$21,108,224$25,788,125$21,636,368
Program service revenue$18,649,693$27,817,048$53,634,488$59,181,380$56,810,492
Membership dues$0$0$0$0$0
Investment income$184,434$182,035($34,678)($233,723)($558,161)
Other revenue$0$0$0$0$0
Total other revenue$18,834,127$27,999,083$53,599,810$58,947,657$56,252,331
Total revenue$48,533,715$53,064,019$74,708,034$84,735,782$77,888,699
Program services$38,779,065$39,297,052$63,882,547$70,956,064$72,189,391
Management and general$1,632,962$1,665,531$1,512,146$2,254,630$2,688,617
Total expenses$45,485,616$44,876,796$68,956,124$76,929,870$78,578,197
Change in net assets20222021201920182017
Surplus (deficit)$3,048,099$8,187,223$5,751,910$7,805,912($689,498)
Other changes in net assets$0$0$0$0$0
Total change in net assets$3,048,099$8,187,223$5,751,910$7,805,912($689,498)


Atul TandonCEO$551,738
Randy KurtzExec Vp, Int'l Programs & Cap Solutions$431,322
Mark K LutzSVP, Philanthropy$347,607
Mauricio Agudelo RinconVP, Corporate Development$284,460
Gregory E RothSVP, Philanthropy$281,567
Margaret TomasikSVP Finance & Treasurer$257,521
Dennis W RipleyChief Program Officer$256,584
Amelia S HaiducManaging Director, Strateg$247,807
David WiegmanChief of Staff & Secretary$207,632
Mary BarryDirector, Office of CEO & Asst Sec$131,186

Compensation data as of: 9/30/2022

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 3/15/2023. 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