To learn more, visit opportunityinternational.ca

Canadian Registered Charity # 87751 6385 RR0001

With an average income of $2 a day, Ghanaians are greatly in need of financial services. In Ghana, Opportunity International began more than 15 years ago as a microfinance non-governmental organization called Sinapi Aba Trust (SAT). Today, SAT and Opportunity International Savings and Loans (OISL), which was created in 2004 to offer deposit services, both serve impoverished entrepreneurs. Opportunity’s work in Ghana has recently expanded to include:

• loans for small-scale farmers to increase food output, starting with cocoa farmers and expanding to other crops

• loans and targeted training to schools in underserved neighborhoods to increase access to education

• a pilot land-title reform project that blends legal and financial services for land ownership

• a youth apprenticeship program to teach entrepreneurship

• a variety of SME-targeted business loans and training

• electronic banking options for clients including point-of-sale systems and ATMs

Agricultural finance client Elizabeth Afrakome owns a three-acre cocoa farm in Adagya, Ghana. Along with loans, Opportunity provides her with financial literacy training, and access to savings and life insurance. “Now I can manage my whole life better,” Elizabeth says. “I like knowing that my children are secure financially and that if they need anything, I can now afford it. I am also able to help others in my community and hold my head high.”

spotlight on Opportunity Ghana

Leadership, SATCEO Anthony Gyasi-Fosu

Board Chair Joseph Hewton

Number of staff: 341

Leadership, OISLCEO Cosmus Kowouche

Board Chair Francis Pelekamoyo

Number of staff: 553

Highlights 2009 2010

customers with loans: 127,387 144,258

value of loan portfolio: $29,252,564 $36,086,987

average first trust group loan size: $347 $421

% loans made to women: 85% 84%

customers with voluntary savings: 206,151 283,341

value of deposits: $9,098,421 $11,715,232

average savings balance: $42 $42

microinsurance policyholders: 127,508 146,099

Services Offered• Business loans: Trust Group, Solidarity Group and individual

• Education finance: school proprietor loans

• Agricultural finance loans

• Personal savings and long-term deposits

• Money transfers

• Insurance: credit life, funeral, worker compensation and weather-index products

• Training: business management, leadership skills, and personal development

Statistics About Ghana population: 23 millionpopulation living on less than $2/day: 54%

rural population: 50%

literacy rate: 72% for males 59% for femalesgross national income per capita: $1,320

spotlight on Opportunity Ghana

426.

12.0

411

©20

11 O

ppor

tuni

ty In

tern

atio

nal

To learn more, visit opportunity.org

Opportunity International is a 501(c)(3) nonprofit.

OISL/SAT Branch Network

CENTRAL REGION

WESTERN

Cape Coast

Dunkwa on Offin

Adum

nB

ibia

i

Tarkwa

Takoradi

EASTERN REGION

A S H A N T I

Sunyani

Berekum

Techiman

BRONG - AHAFO

Ejura

VOLTA

Hohoe

Ho

Salaga

Tamale

NORTHERN REGION

Bole

Wa

UPPER WEST

UPPER EAST

Tumu

Axim

Mankessim

SefwiWiawso

Cent alr arket

M

Nyiaeso Head Office

DormaaAhinkro

Walewale

Jirapa

A E AC

GRE T R CRA

MadinaDome

II I I

I I

I

I

II

I

II

I

III

II

II

I

I

I II I

I

I

II

I

I

I

I

I I

III

I

I

I

I

I II I

I

I

I

I

I

II

I

II

I

I II

I I

I II

II I

IIII II I

III

II

I I

I I I

I I

III

II I

II

II

II

I

II

III

II I

I

I

I

MOBILE VAN

Legend

I

SAT Branches

OISL Branches

OISL Mobile Van

REGION

REGIONREGION

REGION

REGION

IDP Schools

OISL / SAT Branch Network in Ghana

REGION

Bolgatanga

EE

E

E

E

EE

E

E

A

E

A

OISL Edufinance

OISL Agric Loan

MOB L AI E V N

T mea N

Tew own

Abeka

Swedru

Tema

Accra

Circ el

E

E

MOBILE VAN

gbo h eA blos i

Od rk ro o

MOBILE VAN

Head O ficef

Somanya

KoforiduaSuhum

Akim Oda

Kade

Nkawkaw

so

Aaf

Suame

Kejetia

Obuasi

Konongo

Abuakwa

Offinso

Dzorwulu

Map of Ghana Showing OISL / SAT Branches

R G OE I N

Y

L

H

Youth Apprenticeship Program

Land Title Program

Housing Program

an

AshaimE

MOBILE VAN

OISL ATM Services

aa

Kso

GoasoY

L,HY Y

Y,L,H

Y

Mo g

amp n

Y

L,H

Y

Y

Y

Y

Y

Y

YY

L,H

Y

CENTRAL REGION

WESTERN

Cape Coast

Dunkwa on Offin

Adumn

Bib

iai

Tarkwa

Takoradi

EASTERN REGION

A S H A N T I

Sunyani

Berekum

Techiman

BRONG - AHAFO

Ejura

VOLTA

Hohoe

Ho

Salaga

Tamale

NORTHERN REGION

Bole

Wa

UPPER WEST

UPPER EAST

Tumu

Axim

Mankessim

SefwiWiawso

Cent alr arket

M

Nyiaeso Head Office

DormaaAhinkro

Walewale

Jirapa

A E AC

GRE T R CRA

MadinaDome

II I I

I I

I

I

II

I

II

I

III

II

II

I

I

I II I

I

I

II

I

I

I

I

I I

III

I

I

I

I

I II I

I

I

I

I

I

II

I

II

I

I II

I I

I II

II I

IIII II I

III

II

I I

I I I

I I

III

II I

II

II

II

I

II

III

II I

I

I

I

MOBILE VAN

Legend

I

SAT Branches

OISL Branches

OISL Mobile Van

REGION

REGIONREGION

REGION

REGION

IDP Schools

OISL / SAT Branch Network in Ghana

REGION

Bolgatanga

EE

E

E

E

EE

E

E

A

E

A

OISL Edufinance

OISL Agric Loan

MOB L AI E V N

T mea N

Tew own

Abeka

Swedru

Tema

Accra

Circ el

E

E

MOBILE VAN

gbo h eA blos i

Od rk ro o

MOBILE VAN

Head O ficef

Somanya

KoforiduaSuhum

Akim Oda

Kade

Nkawkaw

so

Aaf

Suame

Kejetia

Obuasi

Konongo

Abuakwa

Offinso

Dzorwulu

Map of Ghana Showing OISL / SAT Branches

R G OE I N

Y

L

H

Youth Apprenticeship Program

Land Title Program

Housing Program

an

AshaimE

MOBILE VAN

OISL ATM Services

aa

Kso

GoasoY

L,HY Y

Y,L,H

Y

Mo g

amp n

Y

L,H

Y

Y

Y

Y

Y

Y

YY

L,H

Y

A f r i c aNational CapitalsCities 3,000,000+Cities 900,000-2,999,999Cities 250,000-899,999Cities 75,000-249,999Cities 0-74,999

International BoundariesHighwaysPrimary RoadsMajor RiversLakes