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Chicago, IL 60607

Toll Free: 1-800-793-9455

© 2017 Opportunity Internationalis a 501(c)3 nonprofit.

The Need Illustration

The Need:Are we reaching people living in poverty?

From the social data we’ve collected, we know that Opportunity’s partners are generally successful in targeting poor communities and families. In some cases, data suggests there is still potential to better target those most in need. This is because poverty is complex and reaching people living in poverty is even more complicated – it is not always enough just to open a branch in an area with high poverty rates. By monitoring and responding to social data, our partners will be able to improve their outreach and better serve those living in poverty.

Poverty Around the World

Food Icon
1 in 9
people in the world are undernourished
Sanitation Icon
1 in 7
people still practise open defecation
People Icon
25%
of the world’s 836 million extreme poor live in India
Health Icon
16,000
children under five die every day, mostly from preventable causes
Education Icon
1 in 3
of Africa’s women cannot read or write

Where We Work

Network implementing partners provide services directly to our clients, with financial and other support from the Opportunity Network support members.

Learn more about where we work in the interactive map below

Opportunity Network

  • Microfinance Partners Icon

    43

    microfinance partners

  • Loan Client Icon

    3.6 million

    loan clients

  • Savings Clients Icon

    4.3 million

    voluntary savings clients

  • People Icon

    11 million

    people insured

  • Loan Porfolio Icon

    841.6 million

    gross loan portfolio (USD)

Latin America

  • Microfinance Partners Icon

    5

    microfinance partners

  • Loan Client Icon

    60,000

    loan clients

  • Savings Clients Icon

    66,000

    voluntary savings clients

  • People Icon

    10,000

    people insured

  • Loan Porfolio Icon

    52.7 million

    gross loan portfolio (USD)

Africa

  • Microfinance Partners Icon

    11

    microfinance partners

  • Loan Client Icon

    348,000

    loan clients

  • Savings Clients Icon

    1.6 million

    voluntary savings clients

  • People Icon

    4.1 million

    people insured

  • Loan Porfolio Icon

    104.1 million

    gross loan portfolio (USD)

India

  • Microfinance Partners Icon

    13

    microfinance partners

  • Loan Client Icon

    2.2 million

    loan clients

  • Savings Clients Icon

    2.3 million

    voluntary savings clients

  • People Icon

    4.1 million

    people insured

  • Loan Porfolio Icon

    421.6 million

    gross loan portfolio (USD)

Eastern Europe

  • Microfinance Partners Icon

    3

    microfinance partners

  • Loan Client Icon

    37,000

    loan clients

  • Savings Clients Icon

    57,000

    voluntary savings clients

  • Loan Porfolio Icon

    107.4 million

    gross loan portfolio (USD)

Asia

  • Microfinance Partners Icon

    9

    microfinance partners

  • Loan Client Icon

    968,000

    loan clients

  • Savings Clients Icon

    324,000

    voluntary savings clients

  • People Icon

    2.8 million

    people insured

  • Loan Porfolio Icon

    155.9 million

    gross loan portfolio (USD)

Who We Serve

Females

Percentage of female clients

What We've Learned

Opportunity is reaching 3.4 million women borrowers through a suite of financial services, including financial literacy, tailored to meet their needs – 95% of Opportunity clients are female.

Why this matters

Globally, only 57% of women and 64% of men have an account with a financial institution. The disparity is greatest in India.

Rural

Percentage of rural clients

What We've Learned

Opportunity provides financial and other services — including agriculture loans — tailored to meet the needs of rural populations and is reaching at least 2.6 million rural borrowers.

Why this matters

Globally, just 56% of people in rural areas have access to financial services. This is only 24% in Sub-Saharan Africa.

Financially Excluded

Percentage of financially excluded clients

What We've Learned

Half of our new clients surveyed in Africa had no access to loans or savings with a financial institution before joining our network.

Why this matters

2 billion adults around the world are still unbanked.

Living in Poverty

Percentage of clients living below $2.50/day

What We've Learned

Over three-quarters of new clients surveyed in India were living below $2.50/day before they joined our network.

Why this matters

Over 2.5 billion people in the world are living below $2.50/day. A large proportion are in the areas we work — India, Africa and East Asia.

Snapshot: Who Are We Reaching In India

Poverty is not only defined by income levels but also by the availability (or lack of) services considered essential to basic standards of living. This includes clean drinking water, sanitation, health and education, and access to technology.

Opportunity’s Indian partners have a strong focus on reaching rural and female clients in India; 100% of our clients are female and 76% are rural. These groups not only have higher poverty rates, but are the most excluded from basic services.

Understanding this gap in basic services and income levels will help our partners to better understand their client base and their needs, and to design products and services accordingly.

Learn more about the power of social data in the map below

Percentage of households living below $2.50/day

Over 90%

81% to 90%

51% to 80%

Up to 50%

These figures show data from 6 of our 12 microfinance partners in India, who provide microfinance services to a total of 1.9 million clients

Microfinance Partners in India

  • These figures show data from 6 of our 12 microfinance partners in India, who provide microfinance services to a total of 1.9 million clients.

    Select a region on the map to learn more about our microfinance partners



    See our Dia Vikas Social Performance Report

CASHPOR

  • Loan Client Icon

    886,695

    loan clients

  • Agriculture Icon

    95%

    rural clients

  • Dollar Icon

    99%

    new clients living
    below $2.50/day

  • Cooking icon

    96%

    of clients not using clean or efficient energy sources for cooking

CDOT

  • Loan Client Icon

    15,459

    loan clients

  • Agriculture Icon

    100%

    rural clients

  • People Icon

    95%

    new clients living
    below $2.50/day

  • Mobile icon

    14%

    of clients who do not own a mobile phone or landline

  • Sanitation icon

    7%

    of clients without access to a toilet

  • Water icon

    89%

    of clients without access to clean and safe drinking water

  • Cooking icon

    96%

    of clients not using clean or efficient energy sources for cooking

ESAF

  • Loan Client Icon

    566,872

    loan clients

  • Agriculture Icon

    65%

    rural clients

  • People Icon

    75%

    new clients living
    below $2.50/day

  • Mobile icon

    21%

    of clients who do not own a mobile phone or landline

  • Sanitation icon

    7%

    of clients without access to a toilet

  • Water icon

    31%

    of clients without access to clean and safe drinking water

  • Cooking icon

    32%

    of clients not using clean or efficient energy sources for cooking

Margdarshak

  • Loan Client Icon

    82,689

    loan clients

  • Agriculture Icon

    74%

    rural clients

  • People Icon

    85%

    new clients living
    below $2.50/day

  • Mobile icon

    2%

    of clients who do not own a mobile phone or landline

  • Sanitation icon

    85%

    of clients without access to a toilet

  • Water icon

    68%

    of clients without access to clean and safe drinking water

  • Cooking icon

    21%

    of clients not using clean or efficient energy sources for cooking

RGVN

  • Loan Client Icon

    245,241

    loan clients

  • Agriculture Icon

    87%

    rural clients

  • People Icon

    78%

    new clients living
    below $2.50/day

  • Mobile icon

    14%

    of clients who do not own a mobile phone or landline

  • Cooking icon

    53%

    of clients not using clean or efficient energy sources for cooking

Samhita

  • Loan Client Icon

    82,207

    loan clients

  • Agriculture Icon

    48%

    rural clients

  • People Icon

    85%

    new clients living
    below $2.50/day

  • Mobile icon

    12%

    of clients who do not own a mobile phone or landline

  • Sanitation icon

    33%

    of clients without access to a toilet

  • Water icon

    62%

    of clients without access to clean and safe drinking water

  • Cooking icon

    71%

    of clients not using clean or efficient energy sources for cooking

Sanitation Icon

Sanitation

In India, 64% of the population (approximately 791 million people) do not have access to sanitation facilities. In rural areas it is much worse — 75% of the rural population lack access to toilets, compared to 40% of the urban population. To address the health and safety issues associated with open defecation, our partners provide sanitation loans to help clients with the construction of sanitation facilities.

Drinking Water Icon

Drinking Water

In India, approximately 92 million people do not have access to improved sources of drinking water. Among these people, 79 million people live in rural areas. Improved water sources are those that are adequately protected from outside contamination – this might mean a well or a tap. While the health impacts of poor quality water are more readily apparent, time spent on water collection (a task often done by women) can also be a severe hardship as it takes away hours that could be used for productive activities like work or school.

Cooking Sources Icon

Cooking Sources

With the majority of households in India cooking indoors, fuel sources such as firewood, kerosene, crop residue and cow dung can pose significant health risks such as respiratory diseases. Seven out of 10 households use these ‘dirty’ fuels. In rural areas, usage is much higher with 87% of the rural population using dirty fuels compared to 34% of the urban population.


Mobile Phone Icon

Mobile Phones

As mobile phones are becoming increasingly prevalent even in the poorest areas of India, Opportunity’s partners can use mobile banking to enable higher outreach and impact of these services. In India, mobile subscriptions increased more than 18 times over the last decade to 944 million. But less than 2% of people living in poverty currently use mobile to send or receive money. Mobile banking can provide clients with greater access to financial services, and investments in mobile technology will have a significant social return.

Source(s): World Bank (2011-2012), Census India (2011), ITU (2014)

Glossary

A

APR
Annual Percentage Rate
APY
Annual Percentage Yield

B

BC
Banking Correspondent
BI
Business Intelligence

C

COCA
Code of Conduct Assessment
CGAP
Consultative Group to Assist the Poor
CPP
Client Protection Principles: The 7 Client Protection Principles (CPPs) describe industry best practices relating specifically to the protection of microfinance clients. They were developed by the Smart Campaign in 2009.

E

EIR
Effective Interest Rate

I

IRR
Internal Rate of Return

M

MCWG
Microfinance CEO Working Group - a group of 8 microfinance networks who collaborate to encourage endorsement of Triple Crown initiatives in microfinance.
MFI
Microfinance Institution
MFT
Microfinance Transparency - an industry initiative to promote transparency around credit product pricing
MIS
Management Information System(s)
MIX
runs "Mix Market", a public data hub where MFIs share institutional data to enhance transparency and market insight

N

NPS
Net promoter score

O

OER
Operating Expense Ratio
OSS
Operational self-sufficiency

P

PAR
Portfolio at Risk
PPI
Progress out of Poverty Index - a poverty measurement tool designed by Grameen Foundation
PRS
Partner Reporting System

R

ROA
Return on Assets
ROE
Return on Equity

S

Social audit
third-party assessment of SPM practices
SMART objectives
stands for Specific, Measurable, Achievable, Relevant, Time-bound
Smart Campaign
An initiative to standardize best practices for client protection (includes Smart client protection certification process)
SME
Small medium enterprise
SPI4
CERISE Social Performance Indicators 4 - a self-assessment tool for partners to assess adherence to the USSPM and other best practice standards
SPM
Social Performance Management
SPTF
Social Performance Task Force - developed the Universal Standards for SPM. Calum Scott is a Board member.

T

TA
Technical Assistance
Triple Crown Initiatives
refers to 3 key SPM initiatives: 1) Endorsing the Smart campaign, 2) Endorsing Microfinance Transparency campaign and 3) Committing to implement the USSPM

U

USSPM
Universal Standards for SPM are a global, industry-wide effort to clarify and standardize SPM practices. Their development was coordinated by the Social Performance Task Force (SPTF) with input from stakeholders and they were published in 2012.