E m e r g i n g T h e o r i e s o f C h a n g e i n M i c r o fi n a n c e

March 28, 2015

Dennis Ripley, Chief Business Development Officer

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THE WHARTON THEORY OF CHANGE

T H E W H A RT O N T H E O RY O F C H A N G E

Inspired by Joseph Wharton’s vision to educate the “pillars of the state, whether in private or public life.”

Wharton prepares leaders for the complex challenges of our interconnected world

Here students become their best, altered by immersive classroom learning, collaborations with outstanding peers, and new leadership opportunities. Upon graduation, they join Wharton’s 91,000 alumni, becoming the kind of leaders who adhere to principle, motivate others, and transform organizations and societies worldwide.

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A B R I E F O V E R V I E W

O F O P P O R T U N I T Y I N T E R N A T I O N A L

Our vision is a world in which all people have the opportunity to achieve a life free from poverty, with dignity and purpose.

• Founded in 1971, the organization has provided more than $8.5 billion in loans, savings programs, insurance, and other financial services and training to more than 12 million clients in 22 countries across Africa, Asia, Latin America and Europe.

• The global headquarters are in Oak

Brook, IL, with other key offices in Australia, Canada, Germany, Hong Kong, Singapore, Switzerland and the United Kingdom.

• The Opportunity Network employs more than 17,500 people around the world.

GLOBAL REACH

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22 COUNTRIES 17,500 LOCAL EMPLOYEES

AFRICA

Democratic

Republic of Congo

Ghana

Kenya

Malawi

Mozambique

Rwanda

South Africa

Tanzania

Uganda

ASIA

China

India

Indonesia

Philippines

EUROPE

Macedonia

Romania

Serbia

LATIN

AMERICA

Colombia

Dominican Republic

Honduras

Nicaragua

Peru

OUR PARTNERS

Partnering with global development and leaders in philanthropy

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THE OPPORTUNITY INTERNATIONAL THEORY OF CHANGE

T H E O P P O RT U N I T Y I N T E R N AT I O N A L T H E O RY O F C H A N G E

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T H E O P P O RT U N I T Y T H E O RY O F C H A N G E

A Triple Bottom Line

1. Scale – relevant to the size of the market

2. Sustainability – no sand castle projects

3. Transformation – measurable positive change

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T H E O P P O RT U N I T Y T H E O RY O F C H A N G E 1 . 0

Micro loans enough to change the lives of individuals and families – increase incomes and create jobs.

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T H E O P P O RT U N I T Y T H E O RY O F C H A N G E 2 . 0

Micro loans plus savings enough to change the lives of individuals and families.

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Ghana (Q3 2014)520,000 Savings Accounts$27,327,437 in Deposits

Malawi (Q3 2014)631,000 Savings Accounts$26,460,544 in Deposits

T H E O P P O RT U N I T Y T H E O RY O F C H A N G E 3 . 0

Micro loans, savings plus insurance… Increase incomes, create jobs, build and protect assets..

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T H E O P P O RT U N I T Y T H E O RY O F C H A N G E 4 . 0

All this plus technology… to enable safer, faster, closer and cheaper delivery of financial services.

• The Malawi Plan• Cell phone banking, mobile vans, and ATMs

that increase accessibility• Fraud protection and cashless banking to

protect safety• Cloud technology to build efficiencies and

ensure accuracy

T H E O P P O RT U N I T Y T H E O RY O F C H A N G E 5 . 0

Turbocharging Two Value Chains

• Smallholder Farmers in Africa• Private Schools

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