Finance Score: -2

Governance Score: 0

Support Score: 1

Liabilities <10%: +3
Multiple Deficits and declines: -5

Grant maker support: +1

Overall GiG Score: -1

OPPORTUNITY INTERNATIONAL UNITED KINGDOM

The charity through its Implementing Partners provides microfinance services to the poor, mostly in Africa. The microfinance services range from providing a safe and secure place for the poor to safeguard their savings, financial education, training as well as microfinance loans.

Analysis by Giving is Great

Positives:

This charity has a robust balance sheet
A significant proportion of recent income was derived from major grant makers including the Government

Financial issues to consider:

Income has been volatile and on several occasions in recent years less than spending

Established: 19 years

www.opportunity.org.uk

UKinfo@opportunity.org

01865725304

Charity Commission for England and Wales

Tweets

Financial Data ?

Income & Spending ?

Sources of Income ?

Y/E	Income £k	Spending £k	Surplus/ Deficit	Fundraising Cost £k	Total Funds £k	Unrestricted Funds £k	Mths Rsrvs	Staff	Volun- teers
31/12/22	£2,640	£4,098	£-1,459	£472	£6,354	£3,222	9.4	14	1
31/12/21	£4,259	£2,983	£1,277	£414	£7,813	£2,839	11.4	17	1
31/12/20	£2,911	£3,218	£-307	£385	£6,536	£2,777	10.4	16	0
31/12/19	£4,781	£4,392	£389	£405	£6,843	£2,816	7.7	18	0
31/12/18	£6,720	£4,741	£1,979	£442	£6,454	£3,052	7.7	17	1
31/12/17	£5,496	£5,026	£470	£474	£4,475	£2,560	6.1	14	0
31/12/16	£4,508	£5,729	£-1,222	£435	£4,004	£2,979	6.2	13	0
31/12/15	£5,528	£9,253	£-3,725	£561	£5,226	£2,878	3.7	12	0
31/12/14	£6,528	£8,003	£-1,474	£462	£8,951	£2,738	4.1	12	0
31/12/13	£5,004	£2,836	£2,168	£400	£10,425	£1,853	7.8	10	0
31/12/12	£3,985	£4,732	£-747	£332	£8,089	£1,958	5	10	0
31/12/11	£2,973	£4,509	£-1,536	£420	£8,835	£1,706	4.5	14	0
31/12/10	£4,513	£2,665	£1,848	£420	£10,372	£1,824	8.2	57	0
31/12/09	£5,144	£3,709	£1,436	£399	£8,524	£1,118	3.6	45	0
31/12/08	£7,558	£2,722	£4,835	£388	£7,088	£627	2.8	43	0
31/12/07	£2,013	£1,318	£695	£250	£2,166	£510	4.6	32	0
31/12/06	£1,339	£1,128	£211	£0	£0	£0	n/a	0	0
31/12/05	£1,293	£1,222	£71	£0	£0	£0	n/a	0	0

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Financial Ratios

Fundraising Costs/Relevant Income: 19.9%
Fundraising Costs/Total Spending: 11.5%
Senior Staff Costs/Total Spending: 6%
Highest pay band: £60,000-£70,000
Liabilities/Assets: 2%
Liabilities/Income: 4%
Unrestricted Funds/Total Funds: 51%
Reserves/Spending: 9.4 months
Net Current Assets/Spending: 16 months
Quick Ratio: 46.5

Asset Split ?

Listed activities

General Charitable Purposes
Other Charitable Purposes
The Prevention Or Relief Of Poverty

How it operates

Makes Grants to Organisations
Other charitable activities

Where it operates

Congo (Democratic Republic), Ghana, Malawi, Mozambique, Rwanda, Scotland, Throughout England And Wales, Uganda,

Who it helps

Other Defined Groups

Who works here?

14 employees
1 volunteer

Who's supporting them? ?

Donations from Grant Makers ?

We have details on the following significant donations. Multi-year donations are allocated to the years for which they are earmarked.

Specific Donations

Amount	When Months	To be used for
National Lottery Community Fund - Mainstreaming Financial Inclusion for Persons with Disabilities in Uga
£394,883	10/01/2019 35	Mainstreaming Financial Inclusion for Persons with Disabilities in Uga
National Lottery Community Fund - Mainstreaming Financial Inclusion for Persons with Disabilities in Uga
£3,117	08/11/2018 12	Mainstreaming Financial Inclusion for Persons with Disabilities in Uga

Data sourced from Donors via 360 Giving

How is it governed?

Trustees (10)

Current Trustees appointed

Age Range of Trustees: 50-79

SAMANTHA BAMERT Appointed: 2023, Occupation: Company Director

NIGEST HAILE GOSHU Appointed: 2021, Occupation: Business Executive

DR JAMES COPESTAKE Appointed: 2020, Occupation: Professor Of International Development

TINEYI EMMANUEL MAWOCHA Appointed: 2020, Occupation: Africa Regional Director

CLIFFORD SAMUEL HERBERT HAMPTON Appointed: 2013, Occupation: Banker, Other trusteeships: THE MARSHGATE CHARITABLE SETTLEMENT, OPPORTUNITY MICROFINANCE INVESTMENTS LIMITED, THE GODOLPHIN AND LATYMER SCHOOL BURSARY FUND,

HYWEL REES-JONES Appointed: 2018, Occupation: Retired, Other trusteeship: THE CORPORATION OF THE CHURCH HOUSE,

JOHN FORD Appointed: 2015, Occupation: Retired, Other trusteeships: THE ALLIGATOR TRUST, WATFORD NEW HOPE TRUST, JANDSFORD TRUST, OPPORTUNITY MICROFINANCE INVESTMENTS LIMITED, THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ST ANDREW'S, CHORLEYWOOD,

MICHAEL CROFTON-BRIGGS Appointed: 2017, Occupation: Planning Consultant, Director Of Mcb Planning Ltd, Other trusteeship: COMMUNITY EMERGENCY FOODBANK,

ROGER MARK WITCOMB Appointed: 2018, Occupation: Economist, Other trusteeship: OPPORTUNITY MICROFINANCE INVESTMENTS LIMITED,

SIMON BENEDICT MARTIN Appointed: 2022, Occupation: Solicitor, Other trusteeship: WITH COMMUNITY LIMITED,

Legal constitution

Charitable company registered in England & Wales on 19/01/2005, number: 1107713
Registered at Companies House on 04/01/2005, number: 05322719

Gift Aid

Registered with HMRC for Gift Aid

Policies in force

Complaints handling
Conflicting interests
Investment
Paying staff
Risk management
Safeguarding vulnerable beneficiaries
Volunteer management

Filing Record

18 returns made; all on time

Main office

OPPORTUNITY INTERNATIONAL
81 ST. CLEMENTS STREET
OXFORD
OX4 1AW

Objectives

TO RELIEVE POVERTY AND PROMOTE EDUCATION IN THE UNITED KINGDOM AND ABROAD, AND IN PARTICULAR (WITHOUT PREJUDICE TO THAT GENERALITY):1. BY THE PROVISION OF EDUCATION, TRAINING AND RE-TRAINING OF THE SKILLS REQUIRED FOR THE EMPLOYMENT AND SELF-EMPLOYMENT, AND2. BY THE PROVISION TO POOR PERSONS OF ASSISTANCE IN THE ESTABLISHMENT OF SMALL BUSINESSES, AND3. THE PROVISION OF TEMPORARY SUPPORT FOR APPROPRIATE SMALL BUSINESSES.'APPROPRIATE' IN THIS CONTEXT SHALL MEAN SMALL BUSINESSES OWNED BY AND PRIMARILY EMPLOYING POOR PERSONS WHERE THERE IS OTHERWISE INSUFFICIENT ALTERNATIVE EMPLOYMENT TO RELIEVE THEIR POVERTY AND WHERE ANY SUCH BUSINESS IS IN DANGER OF FAILURE WITHOUT SUCH TEMPORARY SUPPORT, BUT IN CIRCUMSTANCES WHERE WITH SUCH SUPPORT THE SMALL BUSINESS CONCERNED SHALL IN THE OPINION OF THE TRUSTEES HAVE GOOD PROSPECTS OF RECOVERY AND VIABILITY.

Defined Area of Benefit:

UNITED KINGDOM AND ABROAD.

Data Sources