2013-11-14T12:53:19-06:00 2012-12-31 410746749 CLIFTONLARSONALLEN LLP 1301 W 22ND ST STE 1100 OAK BROOK IL 60523 990 2012-01-01 540907624 OPPORTUNITY INTERNATIONAL INC D/B/A OPPORTUNITY INTERNATIONAL-US OPPO 6306454100 2122 YORK ROAD NO 150 OAK BROOK IL 60523 RICHARD C JOHN 6306454100 2013-11-12 1 ROBERT J NOWAK CPA MST P00527435 6305738600 2012 2016-02-25 16:41:14Z RICHARD C JOHN 2122 YORK ROAD OAK BROOK IL 60523 94582680 0 X WWW.OPPORTUNITY.ORG X 1971 IL OPPORTUNITY INTERNATIONAL, INC., D/B/A OPPORTUNITY INTERNATIONAL-US, IS A TAX-EXEMPT, PUBLICLY SUPPORTED CHRISTIAN-BASED CORPORATION WHOSE PURPOSE IS TO CREATE EMPLOYMENT AND IMPROVE INCOME FOR THE POOR BY ASSISTING IN THE ESTABLISHMENT OF SMALL AND MICRO BUSINESSES IN DEVELOPING COUNTRIES, 17 16 147 150 0 0 15912023 14138407 69092546 76133650 431834 1142586 2415552 3168037 87851955 94582680 11387481 10178249 0 0 11417850 11980316 0 0 7152356 87439455 88361875 110244786 110520440 -22392831 -15937760 62311832 54865381 29766367 35549852 32545465 19315529 X OPPORTUNITY INTERNATIONAL, INC., D/B/A OPPORTUNITY INTERNATIONAL-US, IS A TAX-EXEMPT, PUBLICLY SUPPORTED CHRISTIAN-BASED CORPORATION WHOSE PURPOSE IS TO CREATE EMPLOYMENT AND IMPROVE INCOME FOR THE POOR BY ASSISTING IN THE ESTABLISHMENT OF SMALL AND MICRO BUSINESSES IN DEVELOPING COUNTRIES, 0 0 68682245 GRANTS FOR REVOLVING LOANS: OI PROVIDED FUNDS TO APPROX. 46 PARTNER AGENCIES IN APPROXIMATELY 28 COUNTRIES FOR SMALL BUSINESS LOANS. THESE LOANS RESULTED IN THE CREATION OR STRENGTHENING OVER 200,000 JOBS. SEE ATTACHED ANNUAL REPORT. 4901293 4901293 4901293 OI PROVIDED FUNDS FOR PARTNER AGENCIES LENDING OPERATIONS. PARTNER AGENCIES PROVIDED CONSULTING VISITS WITH POOR BORROWERS AND POOR PARTICIPANTS ATTENDED SEVERAL SMALL BUSINESS TRAINING SEMINARS. 5580261 5580261 5580261 OI PROVIDED SUPPORT TO PARTNER AGENCIES VIA THE HOME OFFICE IN CHICAGO AND REGIONAL OFFICES. SUPPORT IN THE FORM OF OVERSIGHT, OPERATIONS CONSULTING AND PARTNER AGENCY STAFF TRAINING. 21477477 21477477 21477477 OI GRANTED FUNDS TO AFFILIATE OPPORTUNITY TRANSFORMATION INVESTMENTS, INC. 21477477 21477477 21477477 100641276 1 1 0 0 0 1 0 0 0 1 1 1 0 0 0 1 0 1 0 1 1 1 0 0 0 0 0 0 0 1 0 0 0 0 0 1 0 0 1 0 0 0 1 1 1 0 0 0 1 72 0 1 147 1 0 1 RP 0 0 0 0 0 0 0 0 0 X 17 16 0 0 0 0 0 0 0 1 1 0 1 1 1 1 1 1 1 1 1 1 1 0 AL AR CA CT GA IL KS KY ME MD MA MI MN MS NJ NM NY NC OH OR PA RI SC TN VA WA WI AZ FL NH CO X X RICHARD C JOHN 6302424108 2122 YORK ROAD OAK BROOK IL 60523 BETTY JANE HESS 5.00 X 0 0 0 THEODORE D MOSER 5.00 X 0 0 0 DEBORAH A FARRINGTON 5.00 X 0 0 0 SUSAN GILLETTE 5.00 X 0 0 0 DAVID L SIMMS 5.00 X 0 0 0 STEVE D COSLER 5.00 X 0 0 0 KADITA TSHIBAKA 5.00 X 0 0 0 MARK A THOMPSON 5.00 X 0 0 0 SANDRA DAVIS 5.00 X 0 0 0 JIM HAMILTON 5.00 X 0 0 0 PETER KING 5.00 X 0 0 0 MARK LINSZ 5.00 X 0 0 0 BETH JOHNSTON STEPHENSON 5.00 X 0 0 0 HERVE SARTEAU 5.00 X 0 0 0 DAVID M TOLMIE 5.00 X 0 0 0 VICKI ESCARRA 55.00 X X 105766 0 4560 ELIZABETH PERDUE 5.00 X 0 0 0 DENNIS W RIPLEY 55.00 X 157163 0 30545 RICHARD C JOHN 55.00 X 150825 0 23509 JON YASUDA 55.00 X 215181 0 30966 CHARLENE CALDWELL 55.00 X 143149 0 16295 CONNIE STRYJAK 55.00 X 138742 0 22743 JOHN R KAMPERSCHROER 55.00 X 140597 0 28907 AMY S EVANS 55.00 X 134558 0 21582 JENNIFER L MITRENGA 55.00 X 134820 0 16376 1320801 0 195483 24 0 1 0 IDIOM LIMITED PO BOX 67-067 MT EDEN AUCKLAND NZ SOFTWARE DEVELOPMENT 394025 KPMG LLP 303 E WACKER DR CHICAGO IL 60601 AUDITING SERVICES 234040 DONOVAN DESIGN INC 2433 N WESTERN AVE CHICAGO IL 60647 PRINTING & DESIGN WORK 228485 SOCIAL CAPITAL INC 875 N MICHIGAN AVE SUITE 1342 CHICAGO IL 60611 CONSULTING 175713 ACCESS MEDITECH PRIVATE LIMITED 10-3304/8 ALMAS PLAZA 3RD FLOOR S HUMAYUN NAGAR IN SOFTWARE USAGE & DEVELOPMENT FEES 165000 15 748329 13390078 774620 14138407 MICRO FINANCE REVENUE 522100 76133650 76133650 76133650 1049966 1049966 92620 0 92620 92620 92620 OTHER INCOME 522100 3168037 3168037 3168037 94582680 79394307 0 1049966 10178249 10178249 11980316 5581885 1306022 5092409 3857893 3012585 407983 437325 543241 224413 303375 15453 1876469 974020 88399 814050 220818 26476 29512 164830 12522970 12313730 209240 249357 207533 41824 82670 58428 24242 OTI BANKING OPERATING E 62619575 62619575 0 0 PROVISION FOR LOAN LOSS 5950772 5950772 0 0 MISCELLLANEOUS EXPENSE 1147849 857849 44629 245371 SUPPLIES & OTHER OFFICE 458529 145501 205731 107297 -1168268 -1509740 65851 275621 110520440 100641276 2726808 7152356 27603188 14642023 15882162 15993515 57845 -564920 10704173 14171598 868466 997091 3954400 2205439 1113715 1748961 5704876 7247556 377407 629557 62311832 54865381 19084842 20331269 24340 12500 10657185 15206083 29766367 35549852 X -7981519 -8944511 35519359 23252415 5007625 5007625 32545465 19315529 62311832 54865381 X -15937760 -90815 2798639 X X 1 X 1 X 1 0 X 41814855 36784569 16394946 15912023 14138407 125044800 41814855 36784569 16394946 15912023 14138407 125044800 57185026 67859774 1026301 739124 754451 708750 1049966 4278592 885749 1195139 1630652 2415552 3168037 9295129 138618521 358742520 0.48950 0.66740 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 8 538900 286750 629557 1 1 6469151 70364 6539515 6226212 242939 6469151 6047147 179065 6226212 5744978 302169 6047147 5491846 253132 5744978 1.00000 0 0 276750 276750 3677650 2205439 1472211 1748961 PCFC PHILLIPINES 80928 F COMMERCIAL SECURITES 2985354 F INVESTMENT IN OTHER INSTITUTIONS 4181274 F 7247556 X 115653626 -119993 21190939 21070946 94582680 0 94582680 112142761 1622321 1622321 110520440 0 110520440 DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: PART X, LINE 2: OPPORTUNITY HAS ADOPTED THE REQUIREMENTS FOR ACCOUNTING FOR UNCERTAIN TAX POSITIONS IN ACCORDANCE WITH ACCOUNTING STANDARDS CODIFICATION 740-10 (FORMERLY KNOWN AS FINANCIAL ACCOUNTING STANDARDS BOARD (FASB) INTERPRETATION NO. 48, ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES). THE ONLY SIGNIFICANT TAX POSITION MANAGEMENT HAS IDENTIFIED IS THAT OF OPPORTUNITY'S TAX-EXEMPT STATUS. NO OTHER TAX POSITIONS, CERTAIN OR UNCERTAIN, HAVE BEEN IDENTIFIED. PART XI, LINE 2D - OTHER ADJUSTMENTS: INTERCOMPANY ELIMINATING ENTRIES FROM FINANCIAL STATEMENTS -805,438. INCOME RELATED TO OPPORTUNITY TRANSFORMATION INVESTMENTS, INC. 21,996,377. PART XII, LINE 2D - OTHER ADJUSTMENTS: INTERCOMPANY ELIMINATING ENTRIES FROM FINANCIAL STATEMENTS -777,536. OPPORTUNITY TRANSFORMATION INVESTMENTS EXPENSE ON SEPARATE TAX RETURN 2,399,857. 1 UNITED KINGDOM 1 14 PROGRAM SERVICES PROVIDE THE POOR ACCESS TO AFFORDABLE INSURANCE PRODUCTS 2068171 1 14 0 0 1 14 2068171 0 2068171 CHINA OPERATING COSTS OF PROVIDING FINANCIAL SERVICES AND TRAINING 64200 WIRE TRANSFER PHILIPPINES ADVANCEMENT OF EDUCATIONS, LOAN FUNDS 242793 WIRE TRANSFER GHANA IMPROVED TECHNOLOGY, EQUIPMENT AND SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 189010 WIRE TRANSFER UGANDA IMPROVED TECHNOLOGY, EQUIPMENT AND SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 77692 WIRE TRANSFER DEMOCRATIC REPUBLIC OF CONGO IMPROVED TECHNOLOGY, EQUIPMENT AND SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 21000 WIRE TRANSFER COLOMBIA IMPROVED TECHNOLOGY, EQUIPMENT AND SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 224840 WIRE TRANSFER NICARAGUA FINANCIAL AND AGRICULTURAL SERVICES AND TRAINING, EDUCATION AND COMMUNITY ECONOMIC DEVELOPMENT 686587 WIRE TRANSFER INDIA SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 63405 WIRE TRANSFER RWANDA IMPROVED TECHNOLOGY, EQUIPMENT AND SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 226266 WIRE TRANSFER KENYA IMPROVED TECHNOLOGY, EQUIPMENT AND SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 89788 WIRE TRANSFER TANZANIA IMPROVED TECHNOLOGY, EQUIPMENT AND SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 982202 WIRE TRANSFER SOUTH AFRICA IMPROVED TECHNOLOGY, EQUIPMENT AND SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 601447 WIRE TRANSFER MOZAMBIQUE SUPPORT OPERATIONS TO EXTEND FINANCIAL SERVICES AND TRAINING, ESPECIALLY AS RELATED TO AGRICULTURE AND EDUCATION 350889 WIRE TRANSFER DOMINICAN REPUBLIC LOAN FUNDS 350 WIRE TRANSFER PERU OPERATING COSTS OF PROVIDING FINANCIAL SERVICES AND TRAINING 19300 WIRE TRANSFER 11 12 0 0 1 0 0 0 X 0 1 X X X X 0 0 0 0 0 0 0 1 0 DENNIS W RIPLEY 157163 0 0 0 0 0 11550 0 18995 0 187708 0 0 0 RICHARD C JOHN 150825 0 0 0 0 0 10290 0 13219 0 174334 0 0 0 JON YASUDA 166551 0 33333 0 15297 0 11971 0 18995 0 246147 0 0 0 CHARLENE CALDWELL 135149 0 8000 0 0 0 9233 0 7062 0 159444 0 0 0 CONNIE STRYJAK 138742 0 0 0 0 0 9604 0 13139 0 161485 0 0 0 JOHN R KAMPERSCHROER 129597 0 11000 0 0 0 10220 0 18687 0 169504 0 0 0 AMY S EVANS 134558 0 0 0 0 0 9663 0 11919 0 156140 0 0 0 JENNIFER L MITRENGA 134820 0 0 0 0 0 9314 0 7062 0 151196 0 0 0 PART I, LINE 1A THE HOUSING ALLOWANCE IS REIMBURSEMENT APPROVED BY THE BOARD CHAIR FOR COSTS ASSOCIATED WITH TEMPORARY HOUSING FOR AN INTERIM ASSIGNMENT. PART I, LINE 7 THE NON-FIXED PAYMENTS ARE ADDITIONAL PAY FOR ACHIEVING SPECIFIED TARGETS AND GOALS. TED MOSER BOARD MEMBER 10000 `COMPENSATION PAID FOR CONSULTING SERVICES 0 X 6975 COMPARABLE VALUE X 2 63780 COMPARABLE VALUE X EQUIPMENT 4 105488 MARKET VALUE X PROFESSIONAL FEES 5 588288 COMPARABLE VALUE X TRAVEL EXPENSES 11 10089 COST 0 1 0 FORM 990, PART VI, SECTION B, LINE 11 STAFF PREPARES DETAILED INFORMATION FROM INTERNAL REPORTS AND AUDITED FINANCIAL STATEMENTS AND SENDS TO CLIFTONLARSONALLEN LLP. CONTROLLER AND CFO OF OPPORTUNITY INTERNATIONAL REVIEW THE DRAFT PREPARED BY CLA AND DISCUSS COMMENTS AND QUESTIONS WITH CLA. FINAL DRAFT OF 990 IS PRESENTED TO FINANCE COMMITTEE FOR REVIEW. AFTER REVIEW IS COMPLETE, A RECOMMENDATION IS MADE TO THE OPPORTUNITY INTERNATIONAL BOD TO APPROVE THE 990. IF APPROVED, THE RETURN IS SIGNED AND SUBMITTED TO THE IRS. FORM 990, PART VI, SECTION B, LINE 12C IT IS AN ANNUAL REQUIREMENT TO SIGN THE CONFLICT OF INTEREST STATEMENTS. ALL CONFLICTS ARE REVIEWED BY DESIGNATED BOARD MEMBERS. FINANCE DEPARTMENT MONITORS RELATED PARTY TRANSACTIONS. FORM 990, PART VI, SECTION B, LINE 15 COMPENSATION OF THE ORGANIZATION'S TOP OFFICERS MUST BE APPROVED BY A COMPENSATION COMMITTEE. FORM 990, PART VI, SECTION C, LINE 19 CONFLICT OF INTEREST POLICY IS NOT PUBLISHED. FINANCIAL STATEMENTS ARE AVAILABLE ON THE OPPORTUNITY INTERNATIONAL WEBSITE. GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST. CHANGES IN NET ASSETS OR FUND BALANCES: FORM 990, PART XI, LINE 9: FOREIGN CURRENCY TRANSLATION GAIN (LOSS) -8,096,456. MICRO-FINANCE ACTIVITY 6,780,163. MINORITY INTEREST 4,114,932. RETAINED EARNINGS CARRYOVER OTHER CHANGES IN NET ASSETS OTHER CHANGES IN NET ASSETS FORM 990, PART XI, LINE 2C THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR. MICROENSURE LLC 2122 YORK ROAD OAK BROOK IL 60523 205488780 PROVIDE THE POOR ACCESS TO AFFORDABLE AND APPROPRIATE INSURANCE PRODUCTS IL 75773 4397393 OPPORTUNITY INTERNATIONAL OPPORTUNITY TRANSFORMATION INVESTMENTS 2122 YORK ROAD OAK BROOK IL 60523 364382506 TO INVEST AND HOLD OWNERSHIP POSITIONS IN MICRO-FINANCE INSTITUTIONS. IL 501(C)(3) 170(B)(1)(A)(VI) OPPORTUNITY INTERNATIONAL 0 1 1 0 1 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 OPPORTUNITY TRANSFORMATION INVESTMENTS B 21477477 OPPORTUNITY TRANSFORMATION INVESTMENTS L 480717 OPPORTUNITY TRANSFORMATION INVESTMENTS A 2500 2% INTEREST ON OUTSTANDING LOAN OPPORTUNITY TRANSFORMATION INVESTMENTS D 125000