Opportunity International Savings and Loans Ltd

Opportunity International Savings and Loans Ltd. (OISL) is a Ghanaian savings and loans company licensed by the Bank of Ghana in June 2004. It operates across 10 of Ghana's 16 regions, advancing financial inclusion and bringing clients at the base of the pyramid into mainstream financial services through an innovative range of products and services. The institution is part of the Opportunity International network, whose mission is to empower people living in poverty through financial solutions and training. OISL's stated vision is a world in which all people have the opportunity to achieve a life free from poverty, with dignity and purpose. Its motivation is framed by a Christian calling to love and serve the poor, emulating the Good Samaritan, while serving all people regardless of race, faith, ethnicity and gender. Since inception, OISL has focused on the marginalized, the underbanked and unbanked, and those excluded from mainstream formal financial services. It provides financial education and support while promoting a savings culture through innovative deposit products, and assists micro, small and medium-sized businesses. As of December 2024, the institution reported 268,383 customers, a loan portfolio balance of GHS 308.8 million, a deposit balance of GHS 418.3 million, and total assets of GHS 603.7 million, making it one of the biggest savings and loans companies in Ghana. Since 2018 it has won 52 prestigious awards, including the CIMG Savings and Loans Company of the Year 2019 and 2020, induction 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 and 2020, the Best Sustainable MFI in Agricultural Finance and the Best Disability Product of the Year at the NBFI GHAMFIN awards in 2024, and the Savings and Loans Company of the Year 2024 by the Chartered Institute of Credit Management, Ghana. OISL offers a broad suite of savings and loan products. Savings options include current accounts, fixed term deposits, savings accounts and susu deposits collected daily by deposit mobilization officers. Loan products include Adehye Group Loans, Adehye Individual Loans, Agric Micro and SME Loans, Church Loans, Empowerment Loans for the disabled, Salary Loans, School Fees Loans, SME Loans, School Improvement Loans, Susu Loans and WASH Loans for housing. The institution also provides remittance services.

Opportunity International Savings and Loans Ltd. (OISL) was licensed by the Bank of Ghana in June 2004, establishing it as a formal savings and loans institution in Ghana. It is part of the Opportunity International network, a global organization whose mission is to empower people living in poverty through financial solutions and training. From its inception, OISL focused its key activities on the marginalized, the underbanked and unbanked, and those excluded from mainstream formal financial services. The institution operates across 10 of Ghana's 16 regions, advancing financial inclusion and bringing clients at the base of the pyramid into the mainstream financial services using an innovative range of products and services. It provides sound financial education and support to clients while promoting a savings culture by offering innovative deposit products, and assists micro, small and medium-sized businesses, which form the backbone of most developing economies. As of December 2024, OISL reported 268,383 customers, a loan portfolio balance of GHS 308.8 million, a deposit balance of GHS 418.3 million, and a total asset value of GHS 603.7 million, making it 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 and 2020, induction 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 and 2020, the Best Sustainable MFI in Agricultural Finance and the Best Disability Product of the Year awards at the NBFI GHAMFIN awards in 2024, and the Savings and Loans Company of the Year 2024 by the Chartered Institute of Credit Management, Ghana.

• 2024

  Won Best Sustainable MFI in Agricultural Finance and Best Disability Product of the Year at the NBFI GHAMFIN awards; named Savings and Loans Company of the Year 2024 by the Chartered Institute of Credit Management, Ghana.

• 2024

  Reported 268,383 customers, GHS 308.8 million loan portfolio, GHS 418.3 million deposits, and GHS 603.7 million total assets as of December 2024.

• 2022

  Inducted into the Ghana Business Awards Hall of Fame.

• 2020

  Won the CIMG Savings and Loans Company of the Year 2020.

• 2019

  Won the CIMG Savings and Loans Company of the Year 2019.

• 2018

  Won the Savings and Loans Company Award of the Year, the first of three consecutive wins (2018, 2019, 2020).

• 2004

  Licensed by the Bank of Ghana in June 2004 as a savings and loans institution.

A leading savings and loans institution in Ghana advancing financial inclusion for the base of the pyramid, the underbanked and unbanked, with a mission-driven, faith-inspired approach.

• Current Account

  A demand deposit account for depositing and withdrawing cash anytime without notice; minimum opening amount GH¢50.00; personalized cheque book.

• Fixed Term Deposit

  A fixed interest bearing account for a prescribed period with competitive interest rates.

• Savings Account

  An interest bearing account for depositing cash and withdrawing anytime without notice; minimum opening amount GH¢10.00.

• Susu Deposit

  A daily savings account for customers who do not have time to come to the bank; deposit mobilization officers collect savings at the doorstep daily.

• Adehye Group Loans

  Loans for loyal group loan clients in the 4th cycle and beyond who want to maintain their group.

• Adehye Individual Loans

  Loans for loyal group loan clients migrating to individual loans.

• Agric Micro and SME Loans

  Micro, small and medium scale finance for farming and agric related businesses such as irrigation, agro-marketing and processing, agric equipment and transportation.

• Church Loans

  Short and medium term loans to assist in church development; maximum repayment period of 36 months.

• Empowerment Loan (Loans for the disabled)

  Loans for the disabled at a concessionary rate.

• Salary Loans

  Short and medium term finance for salaried workers; maximum repayment period of 36 months.

• School Fees Loan

  Loans for payment of ward's school fees and related expenses; clients in 5th cycle and above do not need guarantors if the amount is not more than GH¢1000.00.

• Small and Medium Enterprises (SME) Loans

  Working capital for small and medium scale entrepreneurs; minimum loan GH¢10,000.00; maximum repayment period of 36 months.

• School Improvement Loans

  Short and medium term finance for private schools; maximum repayment period of 36 months.

• Susu Loan

  Loans for susu deposit clients after a required period of contribution.

• WASH Loans

  Housing loans for small and medium scale entrepreneurs, farmers and salaried workers; two main types: Home Improvement and Building In Stages.

1. 1Opportunity International Savings & Loans Ltd. | Best Savings & Loans Company In Ghanaopportunityghana.com
2. 2About - Opportunity Internationalopportunityghana.com
3. 3Loan Products - Opportunity Internationalopportunityghana.com
4. 4Savings Products - Opportunity Internationalopportunityghana.com
5. 5Wikidata Q132472617wikidata.org