2015-11-13T08:16:11-06:00 2014-12-31 410746749 CLIFTONLARSONALLEN LLP 1301 W 22ND ST STE 1100 OAK BROOK IL 60523 990 2014-01-01 540907624 OPPORTUNITY INTERNATIONAL INC D/B/A OPPORTUNITY INTERNATIONAL-US OPPO 3124875000 550 W VAN BUREN STREET SUITE 200 CHICAGO IL 60607 RICHARD C JOHN SENIOR VICE PRESIDENT & CFO 3124875000 2015-11-13 1 ROBERT J NOWAK CPA MST P00527435 6305738600 2014 2016-02-25 16:41:14Z X RICHARD C JOHN 550 W VAN BUREN STREET SUITE 200 CHICAGO IL 60607 145029184 0 X WWW.OPPORTUNITY.ORG X 1971 IL OPPORTUNITY INTERNATIONAL, INC D/B/A OPPORTUNITY INTERNATIONAL - US IS A TAX EXEMPT, PUBLICLY SUPPORTED CHRISTIAN-BASED CORPORATION THAT HELPS PEOPLE IN DEVELOPING NATIONS WORK THEIR WAY OUT OF POVERTY, STRENGTHEN THEIR FAMILIES AND IMPROVE THEIR COMMUNITIES. OPPORTUNITY INTERNATIONAL INC. IS PART OF THE OPPORTUNITY INTERNATIONAL NETWORK THAT CURRENTLY PROVIDES LOANS, SAVINGS PROGRAMS, INSURANCE AND OTHER FINANCIAL SERVICES AND TRAINING TO MORE THAN 5 MILLION CLIENTS IN 22 COUNTRIES ACROSS AFRICA, ASIA, LATIN AMERICA AND EUROPE. IN 2014, THE NETWORK MADE MORE THAN $1.18 BILLION IN LOANS THROUGH MORE THAN 17,500 EMPLOYEES AROUND THE WORLD. DISCOVER MORE AT OPPORTUNITY.ORG. 14 13 126 180 0 0 44431774 48834877 87809972 91786121 247537 147917 179286 174 132668569 140769089 12174938 15676732 0 0 9875279 13055168 0 0 7829659 100506746 110099828 122556963 138831728 10111606 1937361 44514414 59009891 10638858 17007477 33875556 42002414 X OPPORTUNITY INTERNATIONAL, INC D/B/A OPPORTUNITY INTERNATIONAL - US IS A TAX EXEMPT, PUBLICLY SUPPORTED CHRISTIAN-BASED CORPORATION THAT HELPS PEOPLE IN DEVELOPING NATIONS WORK THEIR WAY OUT OF POVERTY, STRENGTHEN THEIR FAMILIES AND IMPROVE THEIR COMMUNITIES. OPPORTUNITY INTERNATIONAL INC. IS PART OF THE OPPORTUNITY INTERNATIONAL NETWORK THAT CURRENTLY PROVIDES LOANS, SAVINGS PROGRAMS, INSURANCE AND OTHER FINANCIAL SERVICES AND TRAINING TO MORE THAN 5 MILLION CLIENTS IN 22 COUNTRIES ACROSS AFRICA, ASIA, LATIN AMERICA AND EUROPE. IN 2014, THE NETWORK MADE MORE THAN $1.18 BILLION IN LOANS THROUGH MORE THAN 17,500 EMPLOYEES AROUND THE WORLD. DISCOVER MORE AT OPPORTUNITY.ORG. 0 0 107392691 71722191 OPPORTUNITY INTERNATIONAL, INC D/B/A OPPORTUNITY INTERNATIONAL - US IS A TAX EXEMPT, PUBLICLY SUPPORTED CHRISTIAN-BASED CORPORATION THAT HELPS PEOPLE IN DEVELOPING NATIONS WORK THEIR WAY OUT OF POVERTY, STRENGTHEN THEIR FAMILIES AND IMPROVE THEIR COMMUNITIES. OPPORTUNITY INTERNATIONAL INC. IS PART OF THE OPPORTUNITY INTERNATIONAL NETWORK THAT CURRENTLY PROVIDES LOANS, SAVINGS PROGRAMS, INSURANCE AND OTHER FINANCIAL SERVICES AND TRAINING TO MORE THAN 5 MILLION CLIENTS IN 22 COUNTRIES ACROSS AFRICA, ASIA, LATIN AMERICA AND EUROPE. IN 2014, THE NETWORK MADE MORE THAN $1.18 BILLION IN LOANS THROUGH MORE THAN 17,500 EMPLOYEES AROUND THE WORLD. DISCOVER MORE AT OPPORTUNITY.ORG. 9297804 9297804 9297804 OI PROVIDED SUPPORT TO MEMBER AGENCIES VIA THE HOME OFFICE IN CHICAGO AND REGIONAL OFFICES. SUPPORT IN THE FORM OF OVERSIGHT, OPERATIONS CONSULTING AND PARTNER AGENCY STAFF TRAINING. 6378928 6378928 6378928 OI GRANTED FUNDS TO AFFILIATE OPPORTUNITY TRANSFORMATION INVESTMENTS, INC. 4387372 4387372 OI PROVIDED FUNDS FOR MEMBER AGENCIES LENDING OPERATIONS. MEMBER AGENCIES PROVIDED CONSULTING VISITS WITH POOR BORROWERS AND POOR PARTICIPANTS ATTENDED SEVERAL SMALL BUSINESS TRAINING SEMINARS. 4387372 4387372 127456795 1 1 0 0 0 1 0 0 0 1 1 0 0 0 0 1 0 1 0 0 1 1 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 1 0 0 0 0 1 1 1 0 0 1 72 0 1 126 1 0 1 RP 0 0 0 0 0 0 0 0 0 0 0 X 14 13 0 0 0 0 0 0 0 1 1 0 1 1 1 1 1 1 1 1 1 1 1 0 AL AR CA CT GA IL KS KY ME MD MA MI MN MS NJ NM NY NC OH OR PA RI SC TN VA WA WI AZ FL NH CO X X RICHARD C JOHN 8007939455 550 W VAN BUREN STREET SUITE 200 CHICAGO IL 60607 KATEY ASSEM DIRECTOR 5.00 0.00 X 0 0 0 SANDRA DAVIS DIRECTOR 5.00 0.00 X 0 0 0 VICKI ESCARRA CHIEF EXECUTIVE OFFICER 45.00 10.00 X X 423927 0 43368 PETER KING DIRECTOR 5.00 0.00 X 0 0 0 MARK LINSZ DIRECTOR 2.50 2.50 X 0 0 0 BARBARA LUPIENT DIRECTOR 5.00 0.00 X 0 0 0 JANE NELSON DIRECTOR 2.50 2.50 X 0 0 0 ELIZABETH PERDUE DIRECTOR 5.00 0.00 X 0 0 0 KAREN ROBINSON COPE DIRECTOR 5.00 0.00 X 0 0 0 HERVE SARTEAU DIRECTOR 2.50 2.50 X 0 0 0 BETH JOHNSTON STEPHENSON DIRECTOR 2.50 2.50 X 0 0 0 MARK A THOMPSON CHAIR 2.50 2.50 X 0 0 0 PETER THORRINGTON DIRECTOR 2.50 2.50 X 0 0 0 DAVE M TOLMIE DIRECTOR 5.00 0.00 X 0 0 0 RICHARD C JOHN SVP AND U.S. CFO 45.00 10.00 X 170383 0 19800 DENNIS W RIPLEY CHIEF BUSINESS DEVELOPMENT 45.00 10.00 X 241146 0 36846 STEPHEN P LAVEY CHIEF FINANCIAL OFFICER 45.00 10.00 X 247118 0 37361 DAVID SIMMS PRESIDENT, OIUS & GLOBAL CHIEF DEVELOPMENT OFFICER 50.00 5.00 X 304033 0 41603 DEBORAH BOWKER CHIEF MARKETING OFFICER 55.00 0.00 X 207343 0 16333 JAMES PEDERSEN SENIOR COUNSEL 55.00 0.00 X 198633 0 33139 GREGORY ROTH SVP PHILANTHROPY 55.00 0.00 X 182633 0 32547 CONNIE STRYJAK CHIEF HUMAN RESOURCES OFFICER 55.00 0.00 X 179029 0 26973 2154245 0 287970 30 0 1 0 SOCIAL CAPITAL INC 875 N MICHIGAN AVE CHICAGO IL 60611 CONSULTING 805800 SUNSHINE SACHS 136 MADISON AVE NEW YORK NY 10016 CONSULTING 268808 KPMG LLP 200 E RANDOLPH CHICAGO IL 60601 AUDITING SERVICES 191820 FREQUENCY 540 LLC 122 S MICHIGAN AVE CHICAGO IL 60603 SOFTWARE DEVELOPMENT 190000 BLACKBAUD 2000 DANIEL ISLAND DRIVE CHARLESTONE SC 29492 SOFTWARE MAINTENANCE 165009 9 647871 48187006 5451227 48834877 MICRO FINANCE REVENUE 522100 91216801 91216801 SUPPORT SERVICE REVENUE 522100 569320 569320 91786121 74349 74349 4333663 4260095 73568 73568 73568 MISCELLANEOUS INCOME 522100 174 174 174 140769089 91786295 0 147917 6378928 6378928 9297804 9297804 1082574 440715 161263 480596 9334885 3800223 1390546 4144116 637117 259370 94906 282841 1304336 530994 194297 579045 696256 283445 103716 309095 136101 78577 25201 32323 156487 90347 28975 37165 2893279 1670422 535722 687135 509392 160949 273627 74816 357043 35881 309604 11558 1522563 702776 55608 764179 119368 38158 36288 44922 16118815 16114327 4488 98996 11551 87445 46285 25304 20746 235 OTI BANKING OPERATING E 73530082 73530082 PROVISION FOR LOAN LOSS 8346847 8346847 O.I. NETWORK PROGRAM EX 4387372 4387372 PROMOTIONAL MATERIALS 827743 767304 2020 58419 1049455 505419 220822 323214 138831728 127456795 3545274 7829659 12937017 25177207 28295920 27381375 -2165162 652796 1176995 58937 141368 3629716 2023155 860090 881647 1163065 2934612 645190 312017 301605 44514414 59009891 10544609 11611861 388051 94249 5007565 10638858 17007477 X -4527004 -5706889 33394935 42701678 5007625 5007625 33875556 42002414 44514414 59009891 X 1937361 185418 2816 6001263 X X 0 1 X 1 0 X 16394946 15912023 14138407 43513078 48834877 138793331 16394946 15912023 14138407 43513078 48834877 138793331 53491755 85301576 754451 708750 1049966 779758 147917 3440842 1630652 2415552 3168037 728283 174 7942698 150176871 384097023 0.56800 0.53170 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 4 80240 90652 301605 1 1 5867592 218964 6086556 6539515 -671923 5867592 6469151 70364 6539515 6226212 242939 6469151 6047147 179065 6226212 1.00000 0 0 88366 88366 1934789 860090 1074699 1163065 X 140688234 0 140688234 80855 80855 140769089 134674277 -4157451 -4157451 138831728 0 138831728 PART X, LINE 2: OPPORTUNITY HAS ADOPTED THE REQUIREMENTS FOR ACCOUNTING FOR UNCERTAIN TAX POSITIONS IN ACCORDANCE WITH ACCOUNTING STANDARDS CODIFICATION (ASC) 740-10 INCOME TAXES, OVERALL (FORMERLY KNOWN AS FINANCIAL ACCOUNTING STANDARDS BOARD (FASB) INTERPRETATION NO. 48, ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES). THE ONLY SIGNIFICANT TAX POSITION MANAGEMENT HAS IDENTIFIED IN THAT OF OPPORTUNITY'S TAX-EXEMPT STATUS. NO OTHER TAX POSITIONS, CERTAIN OR UNCERTAIN, HAVE BEEN IDENTIFIED. PART XI, LINE 4B - OTHER ADJUSTMENTS: BAD DEBT EXPENSE RELATED TO OPPORTUNITY TRANSFORMATION INVESTMENTS, INC. -67,062. INTEREST AND DIVIDEND INCOME 74,349. REALIZED LOSSES 73,568. PART XII, LINE 2D - OTHER ADJUSTMENTS: INTERCOMPANY ELIMINATING ENTRIES FROM FINANCIAL STATEMENTS -527,561. INTERCOMPANY EXPENSE ALLOCATIONS -3,629,890. 1 SUB-SAHARAN AFRICA 0 0 GRANTS TO RECIPIENTS IN THE REGION 7001547 EUROPE 0 0 GRANTS TO RECIPIENTS IN THE REGION 684654 CENTRAL AMERICA & THE CARIBBEAN 0 0 GRANTS TO RECIPIENTS IN THE REGION 672409 EAST ASIA & THE PACIFIC 0 0 GRANTS TO RECIPIENTS IN THE REGION 604090 SOUTH AMERICA 0 0 GRANTS TO RECIPIENTS IN THE REGION 279392 SOUTH ASIA 0 0 GRANTS TO RECIPIENTS IN THE REGION 26113 0 0 0 0 0 0 9268205 0 9268205 PHILIPPINES ADVANCEMENT OF EDUCATION, LOAN FUNDS, REBUILDING OF AREAS DAMAGED BY TYPHOONS 604090 WIRE TRANSFER GHANA IMPROVED TECHNOLOGY, EQUIPMENT AND SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 1027786 WIRE TRANSFER UGANDA IMPROVED TECHNOLOGY, EQUIPMENT AND SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 2389763 WIRE TRANSFER DEMOCRATIC REPUBLIC OF CONGO IMPROVED TECHNOLOGY, EQUIPMENT AND SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 714312 WIRE TRANSFER COLOMBIA IMPROVED TECHNOLOGY, EQUIPMENT AND SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 279392 WIRE TRANSFER NICARAGUA FINANCIAL AND AGRICULTURAL SERVICES AND TRAINING, EDUCATION AND COMMUNITY ECONOMIC DEVELOPMENT 672409 WIRE TRANSFER RWANDA IMPROVED TECHNOLOGY, EQUIPMENT AND SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 398205 WIRE TRANSFER KENYA IMPROVED TECHNOLOGY, EQUIPMENT AND SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 180500 WIRE TRANSFER TANZANIA IMPROVED TECHNOLOGY, EQUIPMENT AND SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 1464355 WIRE TRANSFER MOZAMBIQUE SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 232000 WIRE TRANSFER MALAWI IMPROVED TECHNOLOGY, EQUIPMENT AND SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 594626 WIRE TRANSFER UNITED KINGDOM OPERATIONAL SUPPORT FOR TEAM TO ASSIST IMPLEMENTING BANKS IN AFRICA IN TECHNOLOGY, MANAGING OPERATIONS AND EXTENDING FINANCIAL SERVICES 684654 WIRE TRANSFER INDIA SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 26114 WIRE TRANSFER 7 11 1 0 1 0 0 0 SCHEDULE F, PART I, LINE 2 OPPORTUNITY'S PROGRAM MANAGEMENT TEAM IS RESPONSIBLE FOR THE MONITORING OF BUDGET TO ACTUAL SPEND, PROJECT ACTIVITIES, PROGRESS AGAINST TARGETS AND DONOR REPORTING ON GRANTS OUTSIDE OF THE UNITED STATES. IN GENERAL, MONITORING INCLUDES REGULAR UPDATE CALLS WITH THE LOCAL PROJECT TEAM, EMAIL UPDATES BETWEEN SCHEDULED PROJECT CALLS, AND SUBMISSION OF REGULAR INTERNAL REPORTS TO PROGRAM MANAGEMENT ON THE STATUS OF PROGRAM ACTIVITIES, PROGRESS AGAINST TARGETS, AND BUDGET TO ACTUAL SPEND. IN ADDITION, BACKUP DOCUMENTATION FOR FINANCIAL REPORTING IS COLLECTED AS NECESSARY, SUCH AS INVOICES FOR PROCUREMENT, CONSULTANT AGREEMENTS, ETC. 1 OPPORTUNITY TRANSFORMATION INVESTMENTS INC 550 W VAN BUREN STREET SUIT CHICAGO IL 60607 364382506 501(C)(3) 6378928 N/A OI GRANTED FUNDS TO AFFILIATE OPPORTUNITY TRANSFORMATION INVESTMENTS, INC. 1 0 X X X X 0 0 0 0 0 0 0 1 0 VICKI ESCARRA CHIEF EXECUTIVE OFFICER 323927 0 100000 0 0 0 29750 0 13618 0 467295 0 0 0 RICHARD C JOHN SVP AND U.S. CFO 170383 0 0 0 0 0 11952 0 7848 0 190183 0 0 0 DENNIS W RIPLEY CHIEF BUSINESS DEVELOPMENT 211146 0 30000 0 0 0 17133 0 19713 0 277992 0 0 0 STEPHEN P LAVEY CHIEF FINANCIAL OFFICER 247118 0 0 0 0 0 17500 0 19861 0 284479 0 0 0 DAVID SIMMS PRESIDENT, OIUS & GLOBAL CHIEF DEVEL 304033 0 0 0 0 0 21473 0 20130 0 345636 0 0 0 DEBORAH BOWKER CHIEF MARKETING OFFICER 207343 0 0 0 0 0 14315 0 2018 0 223676 0 0 0 JAMES PEDERSEN SENIOR COUNSEL 198633 0 0 0 0 0 13825 0 19314 0 231772 0 0 0 GREGORY ROTH SVP PHILANTHROPY 157633 0 25000 0 0 0 13090 0 19457 0 215180 0 0 0 CONNIE STRYJAK CHIEF HUMAN RESOURCES OFFICER 179029 0 0 0 0 0 12593 0 14380 0 206002 0 0 0 PART I, LINE 7 THE NON-FIXED PAYMENTS ARE ADDITIONAL PAY FOR ACHIEVING SPECIFIED TARGETS AND GOALS. X 2 2931420 MARKET VALUE X 80 1815492 MARKET VALUE X 1 6758 COMPARABLE VALUE X PROFESSIONAL FEES 18 693988 COMPARABLE VALUE X TRAVEL EXPENSES 5 3569 COST 0 0 1 0 PART I, COLUMN (B): LISTS THE TOTAL NUMBER OF CONTRIBUTIONS FOR THE YEAR. FORM 990, PART VI, SECTION B, LINE 11 STAFF PREPARES DETAILED INFORMATION FROM INTERNAL REPORTS AND AUDITED FINANCIAL STATEMENTS AND SENDS TO CLIFTONLARSONALLEN LLP. CONTROLLER AND CFO OF OPPORTUNITY INTERNATIONAL REVIEW THE DRAFT PREPARED BY CLA AND DISCUSS COMMENTS AND QUESTIONS WITH CLA. FINAL DRAFT OF 990 IS PRESENTED TO FINANCE COMMITTEE FOR REVIEW. AFTER REVIEW IS COMPLETE, A RECOMMENDATION IS MADE TO THE OPPORTUNITY INTERNATIONAL BOD TO APPROVE THE 990. IF APPROVED, THE RETURN IS SIGNED AND SUBMITTED TO THE IRS. FORM 990, PART VI, SECTION B, LINE 12C IT IS AN ANNUAL REQUIREMENT FOR ALL EMPLOYEES AND DIRECTORS TO SIGN THE CONFLICT OF INTEREST STATEMENTS. DISCLOSURES ARE TO BE MADE BY EMPLOYEES TO THE CHIEF EXECUTIVE OFFICER. IN THE CASE OF THE CEO OR AND OTHER DIRECTORS CONFLICTS OF INTEREST ARE REPORTED TO THE BOARD CHAIR, OR IN THE CASE OF THE BOARD CHAIR TO THE CHAIR OF THE RISK & AUDIT COMMITTEE. IF A CONFLICT OF INTEREST IS DETERMINED THE RESPONSIBLE PERSON ARE RECUSED/EXCLUDED FROM ALL DISCUSSIONS IN CONNECTION WITH THE PROPSED TRANSACTION. FINANCE DEPARTMENT MONITORS RELATED PARTY TRANSACTIONS. FORM 990, PART VI, SECTION B, LINE 15 COMPENSATION IS APPORVED BY THE PEOPLE COMMITTEE OF THE GLOBAL BOARD USING IBM'S KENEXA SALARY DATABASE AND INSIDE NGO SALARY SURVEY AS COMPARABILILTY DATA TO HELP SET COMPENSATION. COMPENSATION DECISIONS ARE INCLUDED IN THE BOARD MINUTES AND APPROVALS ARE DOCUMENTED IN THE EMPLOYEE FILES. THIS PROCESS IS THE SAME FOR THE CEO AND ALL OTHER OFFICERS. FORM 990, PART VI, SECTION C, LINE 19 CONFLICT OF INTEREST POLICY IS NOT PUBLISHED. FINANCIAL STATEMENTS ARE AVAILABLE ON THE OPPORTUNITY INTERNATIONAL WEBSITE. GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST. FORM 990, PART XI, LINE 9: FOREIGN CURRENCY TRANSLATION GAIN (LOSS) -7,984,050. MINORITY INTEREST 4,762,608. MICRO-FINANCE ACTIVITY 9,097,022. OTHER ADJUSTMENTS 125,683. FORM 990, PART XI, LINE 2C THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR. OPPORTUNITY TRANSFORMATION INVESTMENTS 550 W VAN BUREN STREET SUITE 200 CHICAGO IL 60607 364382506 TO INVEST AND HOLD OWNERSHIP POSITIONS IN MICRO-FINANCE INSTITUTIONS. IL 501(C)(3) LINE 7 OPPORTUNITY INTERNATIONAL 1 OPPORTUNITY BANK AD NOVI SAD BULEVAR OSLOBODJENJA 2A NOVI SAD SERBIA RI OTHER DEPOSITORY RI OPPORTUNITY TRANSFORMATION INVESTMENTS C 1.00000 1 BANCO OPORTUNIDADE DE MOZAMBIQUE SA AV 24 DE JULHO 4136 BAIRRO DE MALANGA MAPUTO MZ OTHER DEPOSITORY MZ OPPORTUNITY TRANSFORMATION INVESTMENTS C 0.64700 1 OPPORTUNITY INTERNATIONAL BANK OF MALAWI LTD PLOTS 046-048 OLD TOWN PRIVATE BA LILONGWE MI OTHER DEPOSITORY MI OPPORTUNITY TRANSFORMATION INVESTMENTS C 0.56600 1 URWEGO OPPORTUNITY BANK OF RWANDA SA BP 748 NYARUGENGE PLOT NO1230 AVE KIGALI RW OTHER DEPOSITORY RW OPPORTUNITY TRANSFORMATION INVESTMENTS C 0.49900 1 OPPORTUNITY KENYA LIMITED 1ST FLOOR GEOMAP CENTRE MATUMBATO NAIROBI KE OTHER DEPOSITORY KE OPPORTUNITY TRANSFORMATION INVESTMENTS C 0.88000 1 OPPORTUNITY INTERNATIONAL SAVINGS & LOANS LIMITED NO D765/3 KWAMWE NKRUMAH AVENUE A GH OTHER DEPOSITORY GH OPPORTUNITY TRANSFORMATION INVESTMENTS C 0.64600 1 OPPORTUNITY UGANDA LIMITED PLOT 7A JOHN BABIHA AVE KOLOLO PO KAMPALA UG OTHER DEPOSITORY UG OPPORTUNITY TRANSFORMATION INVESTMENTS C 0.85700 1 OPPORTUNITY TANZANIA LIMITED PLOT 320 REGENT ESTATE PO BOX 802 DAR-ES-SALAAM TZ OTHER DEPOSITORY TZ OPPORTUNITY TRANSFORMATION INVESTMENTS C 0.67500 1 OPPORTUNITY MICROCREDIT ROMANIA IFN SA NO 183 1 DECEMBRIE BLVD TARGA MURES RO OTHER DEPOSITORY RO OPPORTUNITY TRANSFORMATION INVESTMENTS C 0.66500 1 OPPORTUNITY INTERNATIONAL DRC SPRL 1527 AVENUE COLONEL MONDJIBA QUART KINSHASA/NGALIEMA CG OTHER DEPOSITORY CG OPPORTUNITY TRANSFORMATION INVESTMENTS C 1.00000 1 OPPORTUNITY INTERNATIONAL COLUMBIA SA FINANCING CO CALLE 70 7 - 30 BOGOTA CO OTHER DEPOSITORY CO OPPORTUNITY TRANSFORMATION INVESTMENTS C 0.71100 1 0 1 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 OPPORTUNITY TRANSFORMATION INVESTMENTS B 6378928 CASH TRANSFERRED OPPORTUNITY TRANSFORMATION INVESTMENTS L 1318929 CASH TRANSFERRED