About Us

Opportunity International Savings and Loans Ltd.(OISL) is a leading savings and loans institution licensed by the Bank of Ghana in June 2004. The Institution operates across 10 out of the 16 regions of the country advancing financial inclusion and bringing clients at the base of the pyramid into the mainstream financial services using innovative range of products and services.

Since its inception, OISL has focused its key activities on the marginalized, the underbanked and unbanked and those who are excluded from mainstream formal financial services. OISL provides sound ﬁnancial education and support to clients while promoting a savings culture by offering innovative deposit products. It assists micro, small and medium-sized businesses, which form the backbone of most developing economies to thrive.

As of September 2024, the institution had 679,750 customers, a Loan Portfolio Balance of GHS 293.8 million and a Deposit Balance of GHS 379.1 million. With a Total Asset value of GHS 564.3 million, Opportunity International Savings and Loans Ltd is one of the biggest savings and loans companies in the country.

Since 2018, the institution has won 52 prestigious awards including the CIMG Savings and Loans Company of the Year 2019 & 2020. The institution has twice been inducted into the Ghana Business Awards Hall of Fame in 2022 and 2023 after winning the Savings and Loans Company Award of the Year consecutively for 2018, 2019 & 2020. At the NBFI GHAMFIN awards in 2024, the institution won the Best Sustainable MFI in Agricultural Finance & the Best Disability Product of the Year awards. OISL was awarded by the Chartered Institute of Credit Management, Ghana, as the Savings and Loans Company of the year 2024.

Our Vision

Our vision is a world in which all people have the opportunity to achieve a life free from poverty, with dignity and purpose.

Our Vision

Our vision is a world in which all people have the opportunity to achieve a life free from poverty, with dignity and purpose.

Our Mission

By providing ﬁnancial solutions and training, we empower people particularly those living in poverty to transform their lives, their children’s futures and their communities.

Our Mission

By providing ﬁnancial solutions and training, we empower people particularly those living in poverty to transform their lives, their children’s futures and their communities.

What We Do

Customers are at the Centre of our business and are served with life changing products such as loans, deposits, micro insurance, e-banking services and remittances.

What We Do

Customers are at the Centre of our business and are served with life changing products such as loans, deposits, micro insurance, e-banking services and remittances.

Our Core Values

Commitment

To our clients and their transformation. We are committed to loving and serving those who are poor and marginalized in the developing world, striving to enable lasting improvement in their lives, families and communities. The needs, expectations and wellbeing of families in poverty inspire everything we do.

Humility

A spirit of serving in all that we do. We are committed to modelling our behavior on being of service to one another, and not on any supposed personal superiority or advantage (whether based on our position, influence, personality, wealth or otherwise).

Respect

Consideration shown to all people and commitment to teamwork. We operate on the basis of respect for all people; in particular, we aim to fully value everyone and to affirm personal dignity and uniqueness. This respect also is the foundation for our relationships with communities and others involved in our work – including supporters, investors, program partners and service providers.

Integrity

Living our values with transparency and consistency. We honor the trust placed in us by the families we serve, supporters, investors, program partners, service providers and staff, endeavouring to manage all our resources transparently, reflecting our motivation. We aim to do the right things for the right reasons, whether or not anyone will know.

Stewardship

Accountability, innovation and urgency. We are committed to being good stewards of resources, exercising a thoughtful and cost-effective use of time, skills and finances. We promote excellence, professionalism and best practice in every aspect of our work, seeking to maximise every opportunity to fulfil our mission. We believe in innovation, seeing it as another dimension of effective use of our time, talent and treasure. We are motivated by a sense of urgency to address the needs of families living in poverty and to help them transform their lives as quickly as possible.

Transformation

Our ultimate goal in ourselves and others. We are committed to providing services, resources and encouragement that equip families and communities for better economic prospects, new futures, new hope and dignity. We acknowledge that transformation is a two-way street and that our staff and supporters also are part of the transformational journey.

The company attributes its achievements to its embedded values coupled with the highly trained, committed and skilled employees. It makes signiﬁcant investments in the training and professional development of its staﬀ. Additionally, the institution provides a friendly and enabling environment for its staﬀ to thrive and achieve both personal and institutional goals.

OISL has been able to maximize operational eﬃciencies with an expansive national branch network comprising 38 brick-and-mortar outlets, 4 mobile Vans, 20 Automated Teller Machines (ATMs) and several Point of sale (POS) devices.

Opportunity International Savings and Loans Ltd. is a subsidiary of Opportunity International – A global institution dedicated to helping clients transform out of poverty. It operates in over 30 countries across the globe serving over 20 million clients with micro loans, savings, micro insurance and non-financial services. The global office is based in Chicago, USA.