Donate

Menu

Donate


Email SignUp

Stay connected and receive updates from Opportunity International Australia.

Follow Us

Search


PO Box A524
Sydney South NSW 1235, Level 11, 227 Elizabeth Street Sydney NSW 2000

Telephone: 1800 812 164

© 2019 Opportunity International AustraliaABN 83 003 805 043

Your ImpactCreating Livelihoodsfor families in Asia



Share the impact of your giving

YOUR GIVING IS HELPING 5.8 MILLION FAMILIES IN ASIA!

To December 2018, your support is empowering 5.82 million families across Asia by kick-starting a sustainable path out of poverty for them.

Small loans are just the start of the transformation. With money to buy seeds to grow a vegetable patch or a sewing machine to start a tailoring shop, each loan empowers an entrepreneur to increase their income and support their family with shelter, health and education. Over 95% of these entrepreneurs are women – meaning you're directly assisting those who would otherwise struggle to access affordable financial services.

With small loans to grow small businesses, alongside other community development services, your giving is transforming lives for generations to come.

 

Asia Microfinance Partner Summary to December 2018 

 Families ReachedLoans Outstanding A$'000Operational SustainabilityPortfolio at Risk >30 days
India 4,606,869 1,999,100 114% 2.5%
Indonesia 1,018,613 185,056 105% 1.9%
Philippines 196,100 48,710 103% 22.0%
Overall5,821,582$2,232,865105%2.8%

 *Understand portfolio at risk and operational sustainability

 

Learn more about recent successes and challenges for each country below.

India    Indonesia    Philippines   

 

Creating Livelihoods in India

4,606,869
families reached

As at December 2018

*Understand portfolio at risk and operational sustainability

Your giving is helping 4.6 million families in India

Opportunity's partners in India continue to bring financial inclusion to more families in more locations across India. Our 13 microfinance partners are now reaching 4,606,869 families.

With an average of five in each family, your giving is helping over 23 million people to break the cycle of poverty.

In the past six months your support has given 341,583 more entrepreneurs the opportunity to turn their business ideas into reality. As their businesses grow, parents are supporting their children with better food, shelter and education.

STRIVING FOR SMARTER SOLUTIONS 

Opportunity continues to work with our program partners across India to better leverage technology to enhance the products and services they offer to families in need. Our newest partners, Satya and Pahal are two leaders in this field with innovative models moving towards increasingly cashless transactions. Harnessing technology can also help our microfinance partners deliver innovative loan products tailored to the needs of the families they serve. For example, Satya offers a festival holiday period – postponing repayments during four major Indian festivals, while Pahal offers "hospi-cash" so clients can access funds for basic health expenses when they are unable to work to earn any income. 

LEARNING FROM SOCIAL PERFORMANCE MANAGEMENT

Opportunity's Social Performance Management (SPM) ensures that we understand clients' needs and equips us to design products and services that will enable families to most effectively transform their futures and their communities. 

Are we reaching those in need?

The graph below helps us understand one aspect of who we are reaching – rural clients. 

 

 

PARTNER PORTFOLIO SUMMARY 

View a table showing partner data for families reached, loans outstanding, operational sustainability and portfolio at risk:

Now — December 2018    June 2018      


Panchafula

New Meet Panchafula

“Only through this business could I meet all our expenses.”

As well as paying for daily needs like food and schooling, Panchafula was able to use the new income from her business to pay for the medical treatment her family needed when they became unwell.

Read more

Renju

Meet Renju

Meet Renju, a loan officer with Opportunity's program partner, and learn how our partners are harnessing technology so families can access faster, smarter and safer financial services. 

Watch her story

Saroj and her husband in their workshop

Meet Saroj

In the past Saroj was reluctant to take out a small loan, concerned that theft or fraud could lead to her losing her money and leave her with no funds to provide for her family.

Read more



Share these stories of transformation

Go to top    Indonesia    Philippines   

 

Creating Livelihoods in Indonesia

1,018,613
families reached

As at December 2018

*Understand portfolio at risk and operational sustainability

Your giving is helping over 1 MILLION families in Indonesia

Thanks to your support Opportunity's program partners in Indonesia are now helping 1,018,613 families to break the poverty cycle.

With an average of five in each family, your giving is transforming the lives of over 5.1 million people.

In the past six months your support has given 122,029 more entrepreneurs the opportunity to turn their business ideas into reality. As their businesses grow, parents are supporting their children with better food, shelter and education.

OPPORTUNITY'S PARTNERS IN INDONESIA

Our partners in Indonesia are continuing to grow. Operational sustainability and portfolio at risk are at appropriate levels.

REACHING OVER 1 MILLION FAMILIES

In December 2018, Opportunity's microfinance partners in Indonesia reached over 1 million active clients for the first time. This milestone is a result of our expansion strategy to reach more underserved families in more regions across Indonesia, where the need for financial inclusion is significant. 

Your support has enabled our outreach to grow both through new partnerships, but also through building the capacity of our existing partners. For example, our long-term partner TLM has more than doubled their active clients from 30,018 in December 2012 to 77,136 in December 2018. There are many factors that have enabled this growth in outreach but of particular note are smarter, more efficient branch processes leading to a dramatic reduction in Portfolio at Risk. Today TLM's current PAR is almost negligible - just 0.2% compared to 12.2% in December 2012.

 


PARTNER PORTFOLIO SUMMARY 

View a table showing partner data for families reached, loans outstanding, operational sustainability and portfolio at risk:

Now — December 2018 June 2018   

Maria

New Meet Maria

Thanks to your hand up Maria’s income has doubled.

She is delighted to see her family’s lives improving.

Read more

Hona

Meet Hona

Thanks to your support, Hona used a small loan from Opportunity’s program partner, TLM, to invest in threads and other materials to improve her business.

Read Hona's story

Yustina outside her kiosk

Meet Yustina

Newlyweds Yustina and her husband Densanos are excited about the opportunities of life ahead of them. Now doting parents to their month-old daughter, Cleopatra, securing reliable income to meet her needs has taken on new importance.

Watch Yustina



Share these stories of transformation

Go to top    India    Philippines

 

Creating Livelihoods in the Philippines

196,100
families reached

As at December 2018

*Understand portfolio at risk and operational sustainability

OPPORTUNITY'S PARTNERS IN THE PHILIPPINES

ENSURING OUR PARTNERS BEST SERVE FAMILIES IN POVERTY

In late 2018, Opportunity's regular monitoring through our Social Performance Management uncovered that changes to our program partner ASKI's loan-pricing had made loan products complex and increased the pricing substantially.

For the clients with the smallest loans, arguably those most in need, the effective interest being charged became so high that after months of unsuccessfully trying to work with management to remove those fees, Opportunity informed the board of our partner ASKI that we would be suspending our partnership for a period of 12 months. We hope this action will motivate ASKI to revise its fee structure to accommodate more acceptable effective interest rates so we can resume our partnership.

ASKI's operating model has relied on generating funding through microfinance activities for high-cost community development initiatives. Whilst some of their microfinance clients benefitted from these initiatives, we do not believe it appropriate for all microfinance clients pay for these costs. This approach is not aligned to Opportunity's mission to end poverty through smart, scalable and sustainable solutions.

Also in late 2018, our partnership agreement with program partner TSKI expired. In recent years we have attempted to work with TSKI to improve their loan pricing, however TSKI has not made changes to ensure their products are designed to provide opportunities to families living in poverty and as a result Opportunity has allowed this partnership to end.

If you are interested in learning more about how we came to these decisions please get in touch with your State Manager. 

FINANCIAL INCLUSION FOR MORE FAMILIES

Opportunity continues to seek potential microfinance partners to help us deliver and grow microfinance programs in the Philippines.

Our long-term strategy in the Philippines continues to focus on harnessing technology to better meet client needs and grow financial inclusion. Opportunity's partner OK Remit is working to make it easier and more affordable for families to access loans and other financial services that strengthen their resilience and help them to thrive. See the Digital Inclusion in Asia report to learn more.

PARTNER PORTFOLIO SUMMARY 

View a table showing partner data for families reached, loans outstanding, operational sustainability and portfolio at risk:

Now — December 2018 June 2018   

Augustina in her workshop

New Meet Augustina


Thanks to your support Augustina has used a small loan to start a furniture making business.

Read more

Mariane with her livestock

Meet Mariane

Marianne could see that with some small improvements her family could get large increases in their income. All she needed was a hand up.

Meet Mariane

Maria with some of her products

Meet Maria

Maria wanted to do something different. Her now flourishing business caters to the sweet tooths in her town, making all kinds of traditional Filipino desserts.

Read more



Share these stories of transformation


Your Opportunity for More

Learn more about the latest impact of the programs you're supporting through Opportunity.

All Reports

Go on an Insight Trip

See your impact for yourself on an Insight Trip. 

Insight Trips

Opportunity News

Learn more about our work and latest news.

News

Opportunity Events

We'd love to see you at our next event.

Events