2026-08-13T10:26:32-05:00 2025-09-30 390859910 BAKER TILLY ADVISORY GROUP LP 311 N GREEN ST 600 CHICAGO IL 60607 990 2024-10-01 364382506 OPPORTUNITY TRANSFORMATION INVESTMENTS INC OPPO 8007939455 101 N WACKER DR SUITE 1150 CHICAGO IL 60606 AMY SHERIDAN CFO 8007939455 2026-08-12 1 1 JUDITH SEGAL P00718243 3127298000 2026-08-12 2024 2025-03-06 01:10:19Z ATUL TANDON 101 N WACKER DR SUITE 1150 CHICAGO IL 60606 449436 0 X WWW.OPPORTUNITY.ORG X 2000 IL TO INVEST IN AND HOLD OWNERSHIP POSITIONS IN MICRO-FINANCE INSTITUTIONS SERVING THE POOR. 5 5 0 6 0 0 177062 213488 0 0 145777 213462 4011 22486 326850 449436 0 0 0 0 300619 143774 0 0 0 313318 307127 613937 450901 -287087 -1465 29031703 27336077 741838 2140998 28289865 25195079 TO INVEST IN AND HOLD OWNERSHIP POSITIONS IN MICRO-FINANCE INSTITUTIONS SERVING THE POOR. 0 0 450901 TO INVEST IN AND HOLD OWNERSHIP POSITIONS IN MICRO-FINANCE INSTITUTIONS SERVING THE POOR. 450901 1 1 0 0 0 0 0 0 0 0 0 0 1 0 0 1 0 1 0 0 1 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 X 5 5 0 0 0 0 1 1 0 1 1 0 0 1 1 1 1 1 1 0 0 0 X AMY SHERIDAN CFO 3124875018 101 N WACKER DR SUITE 1150 CHICAGO IL 60606 ATUL TANDON PRESIDENT 3.00 60.00 X X 0 621858 31919 DALE PATTERSON DIRECTOR 1.00 X 0 0 0 DAVE TOLMIE DIRECTOR 1.00 X 0 0 0 JAMES BERGMAN DIRECTOR 1.00 X 0 0 0 MARK THOMPSON DIRECTOR 1.00 X 0 0 0 MIKE PALMER DIRECTOR 1.00 X 0 0 0 MARGARET TOMASIK TREASURER 1.00 55.00 X 0 264533 25593 DAVID WIEGMAN SECRETARY (TERM 09/2025) 8.00 47.00 X 0 213038 29944 MICHELE BROEMMELSIEK SECRETARY (START 08/2025) 1.00 40.00 X 0 0 0 AMY SHERIDAN TREASURER (START 11/2025) 1.00 40.00 X 0 0 0 RANDY KURTZ EXECUTIVE VP, INT'L PROGRAMS 7.00 43.00 X 0 278757 40199 MAURICIO AGUDELO RINCON VP, CORP. DEVEL. (TERM 09/2025) 20.00 20.00 X 0 229202 37336 0 1607388 164991 0 0 1 0 OPPORTUNITY INTERNATIONAL INC 101 N WACKER DR SUITE 1150 CHICAGO IL 60606 ADMINISTRATIVE SERVICES 141905 1 213488 213488 213462 213462 OTHER INCOME 900099 22486 22486 22486 449436 0 0 235948 102492 102492 11902 11902 14092 14092 15288 15288 19069 19069 73062 73062 24084 24084 11460 11460 16889 16889 141905 141905 20192 20192 VAT TAXES 253 253 BANK & FILING FEES 213 213 450901 450901 0 0 2930 1400624 28367264 25258626 661509 676827 29031703 27336077 284752 140998 0 2000000 457086 0 741838 2140998 X 28289865 25195079 28289865 25195079 29031703 27336077 -1465 -3093321 0 X X 0 1 X 1 0 X 300000 177062 213488 690550 300000 177062 213488 690550 690550 32757 159984 141584 145777 213462 693564 4011 22486 26497 1410611 0.48950 0.49690 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 INVESTMENT IN DIA VIKAS 3542199 C MINORITY INVESTMENT IN OBUL 5578955 C OTI MINORITY INVESTMENT IN 3BANK 6600000 C INVESTMENT IN OPP INT OISL (GHANA) 9537472 C 25258626 X PART X, LINE 2: OTI HAS RECEIVED A DETERMINATION LETTER FROM THE IRS INDICATING THAT THEY ARE EXEMPT FROM FEDERAL INCOME TAXES UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE, AS AMENDED. ACCORDINGLY, OTI IS NOT SUBJECT TO INCOME TAXES EXCEPT TO THE EXTENT IT HAS TAXABLE INCOME FROM ACTIVITIES THAT ARE NOT RELATED TO ITS EXEMPT PURPOSE. NO PROVISION FOR FEDERAL OR STATE INCOME TAXES HAS BEEN MADE AS OTI IS NOT ENGAGED IN ANY UNRELATED BUSINESS INCOME ACTIVITIES. OTI BELIEVES THEY HAVE TAKEN NO SIGNIFICANT UNCERTAIN TAX POSITIONS AS OF SEPTEMBER 30, 2025 AND 2024. PROGRAM INVESTMENTS - SOUTH ASIA 0 0 PROGRAM RELATED INVESTMENTS INVESTMENTS IN MICROFINANCE INSTITUTIONS 3542199 PROGRAM INVESTMENTS - SUB-SAHARAN AFRICA 0 0 PROGRAM RELATED INVESTMENTS INVESTMENTS IN MICROFINANCE INSTITUTIONS 15116427 PROGRAM INVESTMENTS - EUROPE 0 0 PROGRAM RELATED INVESTMENTS INVESTMENTS IN MICROFINANCE INSTITUTIONS 6600000 0 0 0 0 0 0 25258626 0 25258626 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 ATUL TANDON PRESIDENT 0 481858 0 140000 0 0 0 24036 0 7883 0 653777 0 0 RANDY KURTZ EXECUTIVE VP, INT'L PROGRAMS 0 278757 0 0 0 0 0 18669 0 21530 0 318956 0 0 MARGARET TOMASIK TREASURER 0 264533 0 0 0 0 0 18177 0 7416 0 290126 0 0 MAURICIO AGUDELO RINCON VP, CORP. DEVEL. (TERM 09/2025) 0 229202 0 0 0 0 0 15806 0 21530 0 266538 0 0 DAVID WIEGMAN SECRETARY (TERM 09/2025) 0 213038 0 0 0 0 0 14707 0 15237 0 242982 0 0 FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION'S SOLE MEMBER IS OPPORTUNITY INTERNATIONAL, INC. (SEE SCHEDULE R, PART II). FORM 990, PART VI, SECTION A, LINE 7A THE ORGANIZATION'S SOLE MEMBER, OPPORTUNITY INTERNATIONAL, INC., IS RESPONSIBLE FOR ELECTING THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION B, LINE 11B STAFF PREPARES DETAILED INFORMATION FROM INTERNAL REPORTS AND AUDITED FINANCIAL STATEMENTS AND SENDS TO BAKER TILLY ADVISORY GROUP, LP. TREASURER OF OPPORTUNITY INTERNATIONAL (OI) REVIEWS THE DRAFT PREPARED BY BAKER TILLY ADVISORY GROUP, LP AND DISCUSSES COMMENTS AND QUESTIONS WITH BAKER TILLY ADVISORY GROUP, LP. FINAL DRAFT OF 990 IS PRESENTED TO AUDIT COMMITTEE FOR REVIEW. AFTER REVIEW IS COMPLETE, THE 990 IS DISTRIBUTED TO THE OPPORTUNITY INTERNATIONAL BOD AND THE RETURN IS SIGNED AND SUBMITTED TO THE IRS. FORM 990, PART VI, SECTION B, LINE 12C IT IS AN ANNUAL REQUIREMENT FOR ALL EMPLOYEES AND DIRECTORS TO SIGN THE CONFLICT OF INTEREST STATEMENTS. DISCLOSURES ARE TO BE MADE BY EMPLOYEES TO THE VP OF HUMAN RESOURCES, EXCEPTIONS ARE REVIEWED BY THE CEO. IN THE CASE OF THE CEO AND OTHER DIRECTORS, CONFLICTS OF INTEREST ARE REPORTED TO THE FINANCE, RISK AND AUDIT COMMITTEE. IF A CONFLICT OF INTEREST IS DETERMINED, THE RESPONSIBLE PERSON(S) ARE RECUSED/EXCLUDED FROM ALL DISCUSSIONS IN CONNECTION WITH THE PROPOSED TRANSACTION. FINANCE DEPARTMENT MONITORS RELATED PARTY TRANSACTIONS. FORM 990, PART VI, SECTION B, LINE 15 COMPENSATION IS PAID BY RELATED PARTIES AND OPPORTUNITY INTERNATIONAL, INC. USING THE FOLLOWING METHODS TO ESTABLISH COMPENSATION: - COMPENSATION SURVEY - THE CEO'S SALARY IS APPROVED BY THE BOARD OR COMPENSATION COMMITTEE. FORM 990, PART VI, SECTION C, LINE 19 THE CONFLICT OF INTEREST POLICY IS NOT PUBLISHED. FINANCIAL STATEMENTS AND GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST. FORM 990, PART XII, LINE 2C: THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR. OPPORTUNITY INTERNATIONAL INC 101 N WACKER DR SUITE 1150 CHICAGO IL 60606 540907624 TO CREATE EMPLOYMENT AND IMPROVE INCOME FOR THE POOR IL 501(C)(3) LINE 7 N/A 0 OPPORTUNITY INTERNATIONAL SAVINGS & LOANS LTD NO D765/3 KWANWE NKRUMAH AVENUE ACCRA GH OTHER DEPOSITORY GH OPPORTUNITY TRANSFORMATION INVESTMENTS C 15896793 52400836 0.60600 0 0 0 1 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 OPPORTUNITY INTERNATIONAL INC M 141905 CASH TRANSFERRED OPPORTUNITY INTERNATIONAL INC C 213488 CASH TRANSFERRED