Naomi Bureni, TLM client

OPPORTUNITY INTERNATIONAL AUSTRALIA

Global Partnership Fund Progress Report

July—December 2009
OPPORTUNITY INTERNATIONAL AUSTRALIA

Global Partnership Fund Progress Report

Message from the CEO

When a woman receives a small loan, it is not simply

a financial transaction. It’s much more than that. For
each client, the loan will represent something
different: for a young woman, it may be an
opportunity to gain independence. For a mother, it
may be a chance to enrol her child in school. For a
grandmother, it may be a way to plan for her
retirement.

For our clients, many of whom have endured

incredible hardship in their lives, a small loan is a
vote of confidence in their ability to forge their own
future. When a person has established a successful
small business and can do the things we take for
granted – afford nutritious food, pay for an
electricity connection, send their children to school Ramvati and her husband run a thriving clay pot business in Delhi.
Her most recent loan from Shikhar enabled her to purchase a clay
– we see that microfinance does not just improve oven, leading to increased productivity and income.
cash flow. It can also change people’s lives.

Opportunity International Australia’s work is only Report summary

made possible through the generosity of our loyal
supporters. At December 2009, our partners in India,
Indonesia and the Philippines were serving over two
million clients. In 2010, we want to let more people
know about the life-changing impact of
microfinance in the lives of the poor. Your
continued support and advocacy will help us to
create more awareness, harness more support and
reach out to more people in desperate need of a
hand up.
Thank you for your support of the inspiring men and
women who are our clients.
India
• Opportunity Australia’s 14 microfinance
institution (MFI) partners are now serving over a
million clients.
• Three MFI partners have been added to the
portfolio, based in Orissa, Bihar and Bangalore.
Indonesia
• Active clients have increased, with TLM now
serving over 16,000 people.
• New training curriculums have been launched
for Group clients, covering financial
management and entrepreneurship.

Kind regards Philippines

• In September and October 2009, typhoons
devastated the northern Philippines. Our
partners TSPI and ASKI led comprehensive relief
efforts.
Robert Dunn • The Philippines Renewal Program is guiding our
Chief Executive Officer MFI partners in an intensive series of workshops
and activities, with new and improved products
scheduled to launch in 2010.

This report is an update on Opportunity

International Australia’s programs from July to
December 2009.
2 OPPORTUNITY INTERNATIONAL AUSTRALIA—Global Partnership Fund Progress Report
“I am not dependent on anyone.”
The journey out of poverty can involve many
setbacks. Perhaps no one understands this better
than a grandmother called Muntaz Begum, living in
the town of Kurnool in the state of Andhra Pradesh,
India. Muntaz never had the opportunity to go to
school and is illiterate.
At the age of 18, Muntaz and her husband started a
small bakery. The bakery’s mud oven was in the
same room in which they slept and lived. Slowly, as
their family grew, the business also expanded.
Thirty-seven years and several small loans later,
Muntaz’s bakery is a thriving business which
provides baked goods to over 200 shops in the local
area. The business is large enough to employ their
five sons and daughters-in-law and provide
education for their many grandchildren. In a
household of 25 people, there are plenty of mouths
to feed.
Despite the success of their business, Muntaz and
her family found out how vulnerable their livelihood
was when catastrophic floods swept through the
town of Kurnool in October 2009. Their house was
inundated with water, sweeping away possessions
and valuable machinery and filling the bakery with
mud.
Muntaz and her family were forced to temporarily
move out of Kurnool. For four months, they were
unable to operate their business. The family tried to
earn a living by purchasing and selling baked goods
from local suppliers who had been less affected by
the floods.
A long-term client of Saadhana¹, the local
microfinance institution (MFI), Muntaz took a loan of
Rs. 70,000 (A$1,707) to help re-establish the
business. She rebuilt the oven and is planning to
purchase another piece of machinery to replace
those which were lost.
Muntaz (centre) with her five daughters-in-law and three of
her grandchildren.
Muntaz Begum, grandmother and business owner.
In February this year, Muntaz and her family reopened
the bakery. “Without Saadhana, it would have been
very different,” Muntaz says. The family is working
hard to make up for the lost machinery. Before the
flood, the bakery produced 7,000 items each day.
Now, they can only produce 4,000. After costs, the
family generates an income of Rs. 1,500 (A$37) a day.
The journey out of poverty is a long one, with many
obstacles. Microfinance can help people like Muntaz
protect and increase their source of income, smooth
out income fluctuations and increase resilience in the
face of unforeseen events, such as illness, death or a
natural disaster.
On Muntaz’s street, collapsed homes and piles of
rubble are testament to the devastating impact of the
recent floods. Inside, the bakery is a hive of activity as
dough is kneaded, baking trays are filled and Muntaz’s
grandchildren play and eat fresh biscuits.
In the past, small loans enabled Muntaz and her
husband to build a small business which supports an
entire extended family and is a cornerstone of the
local economy. Now, another loan has helped the
family recover from disaster and begin again.
Through her hard work and perseverance, Muntaz has
provided her children and grandchildren with food,
clothing and shelter. She’s also been able to give
them the gift of education, which she never had.
But according to Muntaz, her greatest achievement in
37 years as a small business owner is this:
“I am not dependent on anyone. I am self-sufficient.
Even my children do not need to depend on anyone,”
she says proudly.
¹Saadhana became an Opportunity Australia partner in
January 2010.
3 OPPORTUNITY INTERNATIONAL AUSTRALIA—Global Partnership Fund Progress Report
Client and portfolio growth
2,200
2,000
1,800
Clients (thousands)
1,600
1,400
1,200
1,000
800
600
400
Dec-07 Jun-08
ActiveClients
(including Opportunity Australia’s partners in India and Opportunity International’s partners in Indonesia and the Philippines)
India—the millionth milestone
One million clients.
That’s one million lives being impacted by
microfinance, and one million families with hope for
a brighter future.
Thanks to your support and the hard work of our MFI
partners, in less than two years Opportunity
Australia’s portfolio has become a significant
nationwide poverty alleviation program.
India is a country of extreme contrasts: chronic
poverty exists alongside modern skyscrapers. There
are also hundreds of millions of poor people who
have not benefited from India’s recent economic
growth, and are unlikely to do so in the near future.
While the sheer scale of poverty can be
overwhelming, Opportunity Australia’s investment
approach, allowing funds to be sent to and
leveraged by partners all over India, allows you to
have a huge impact in the lives of the poor.
Since its establishment in May 2008, Opportunity
Australia’s India Program has expanded to include 14
MFI partners. Our partners are a mix of established
and start-up MFIs, with a focus on the underserved
north of India.
260
240
220
200
Portfolio (A$m)
180
160
140
120
100
80
60
Dec-08 Jun-09 Dec-09
Outstanding Portfolio (A$)
Our Indian subsidiary, Dia Vikas Capital, actively
manages the program. Opportunity Australia and
Dia Vikas Capital provide ongoing guidance, assist
the MFI partners to establish relationships with
banks, and fund technical support from leading
consultants MicroSave.
During a period of financial turmoil, when a lack of
funds severely limited the operations of many MFIs
in India, the generosity of our donors has allowed us
to continue supporting our MFI partners. Now, as
financial markets recover, our MFI partners are in a
prime position for significant growth. “Our support
has been the crucial element,” says Saneesh Singh,
Executive Director of Investments and head of MFI
partner relationships at Dia Vikas Capital.
Ultimately, our work is about giving poor women
the opportunity to use their ingenuity and hard
work to create a better future for their families.
One million clients is a milestone worth reflecting
upon. In 2010, we aim to help our MFI partners to
give a hand up out of poverty to another million
clients.
There are many opportunities to increase our
impact: we hope you can continue with us on this
exciting journey.
4 OPPORTUNITY INTERNATIONAL AUSTRALIA—Global Partnership Fund Progress Report

India—portfolio performance
MFI Clients at Client Outstanding loan No. of Operational PAR > 30
31 Dec 09 increase portfolio as at branches sustainability days
since 31 Dec 09 *% *%
Jun 09 (A$ 000)¹
Established MFIs
1. Cashpor 362,880 42,022 49,974 267 106 0.6
2. Sharada 142,348 24,658 18,600 78 167 1.1
3. RGVN-CSP 88,096 17,829 10,840 62 126 3.5
4. Shalom 32,141 487 6,160 22 101 1.8
5. GO Finance 67,186 13,419 6,494 12 107 3.6
6. EMFIL 184,894 40,752 26,527 100 100 1.2
7. Adhikar 57,622 8,040² 8,405 34 124 0.5
Start-up MFIs
8. Arth 11,339 -4,022 2,101 8 127 0.0
9. Samhita 26,398 1,019 2,626 28 97 2.3
10. Sambandh 4,142 333 621 4 77 0.0
11. Margdarshak 8,294 2,285 1,170 9 124 0.2
12. Shikhar 9,323 3,096 1,098 10 77 0.6
13. C-DOT 6,127 2,376² 860 6 124 0.0
14. Kaveri 1,600 1,600² 597 8 18 0.0
Partner totals 1,002,390 153,894 136,073 648 116% 1.3%

• From July to December 2009, the portfolio

increased by over 150,000 clients.
• In the past six months, Sharada has achieved
remarkable growth, increasing branches from 46
to 78.
• Several MFI partners, particularly Arth, Shalom
and Sambandh, have struggled to expand due to
difficulties in securing bank funding. During this
period, Dia Vikas Capital has worked with the MFI
partners to improve their relationships with
banks. India’s financial year ends on 31 March, so
access to bank funding is expected to improve in
the first three months of 2010. Arth has also used
this consolidation period to focus on improving
internal capacity and loan portfolio quality, with
assistance from MicroSave.
• Kaveri started operations in November 2009. As
the MFI becomes more established, operational
sustainability will improve.

¹Exchange rate used is A$1: Rs. 41.8816.

²This represents the client increase achieved since
Opportunity Australia’s investment in our new partners. A Cashpor client at a group meeting.
*See definitions on page 9.
5 OPPORTUNITY INTERNATIONAL AUSTRALIA—Global Partnership Fund Progress Report

Indonesia—reaching remote communities

West Timor is not a typical place for microfinance
to flourish: rural villages operate on largely
cashless economies and livelihoods are often
dependant on a good harvest. However, TLM’s
client-focused approach to providing clients with
effective service is now seeing more people
benefit from small loans.

From June to December 2009, TLM’s active

borrowers increased by a third, from 12,270 to
16,321.

Group training
Previously, TLM provided basic business training
to clients in short sessions during weekly group
meetings. However, this training soon became
Alfonsius with one of his chairs made out of discarded tyres.
repetitive for more experienced clients. TLM’s new
approach is to provide training once a month to
Alfonsius’ story
groups of about 60 clients who gather in a local
Outside his simple concrete house, Alfonsius Taifa is
church hall. This training covers financial
hammering old tyres into chairs, buckets and pots.
management, entrepreneurship and market
Alfonsius’ innovative business supports his wife and
identification. Eight branches have already hosted
five children—Ido, Ega, Medi, Icha and Atika, aged
the training, with the other 11 branches
between two and 11. His family relies on him to
scheduled for 2010.
generate enough income to meet their daily needs.
Individual clients will be provided with training
After high school, Alfonsius worked for a printing
tailored to their businesses on a quarterly basis.
company for seven years, which went bankrupt in
1999. Fortunately, he received severance pay which
TLM performance indicators Jun 2009 Dec 2009
he used to set up his tyre recycling business.
Active clients¹ 12,270 16,321
Initially, Alfonsius worked very hard to market his Branches 19 19
products door-to-door and gain new customers. Average loan size² A$ 306 264³
Despite receiving many orders, Alfonsius had Portfolio (funds with clients) A$ 3,000,783 3,389,363
insufficient capital to meet demand. Then he became
ill and could only afford the hospital fees with the Portfolio at risk (PAR) > 30 days 11.62% 4.34%⁴
help of a neighbour. Percentage of loans to women⁵ 46% 53%
Operational sustainability 114% 100%⁶
In 2009, Alfonsius heard about TLM. He received a
loan of Rp. 750,000 (A$89) which he used to buy raw ¹Active clients include all TLM Group and Individual
materials and equipment. He buys the tyres from clients.
repair shops at Rp. 2,500-5,000 (A$0.30-0.60) each. ²Exchange rate used is A$1: Rp. 8,400
Alfonsius has been able to expand his business and, ³In 2009, TLM focused on serving Group rather than
with his wife’s help, meet the demand for the Individual clients, resulting in a decreasing average loan
increasing number of orders. size across all products.
⁴TLM has implemented a series of controls to address
portfolio at risk, including a more comprehensive loan
Prior to joining TLM, Alfonsius earned approximately application and a systematic process to deal with late
Rp. 50,000-75,000 (A$6-9) a day. Now, his daily income repayments. As a result, portfolio at risk has decreased.
has tripled to Rp. 150,000-200,000 ($A18-24). Alfonsius ⁵Loans to women in West Timor are often signed by the
can now support his family and save for his children’s husband, hence the statistic for loans to women is
education. His greatest dream is to purchase a house, lower than the actual.
as he is currently renting. ⁶New regulations in Indonesia mean the Government
will tax Foundations (like TLM) if they exceed 100%
Alfonsius hopes to further expand the business and operational sustainability. To address this, TLM is
reinvesting additional income in community projects.
employ people to sell his products. Through his
creativity and hard work, Alfonsius has used TLM’s
support to create a brighter future for his family.
6 OPPORTUNITY INTERNATIONAL AUSTRALIA—Global Partnership Fund Progress Report

The Philippines—renewing operations

The Philippines Renewal Program is helping our MFI
partners, ASKI, TSKI and TSPI¹, to provide flexible,
effective microfinance in poor communities.

Expert technical consultancy MicroSave has worked

intensively with our partners’ staff, equipping all
levels of the organisation, from loan officers to
senior managers, with the capability to bring a new
generation of microfinance products to their clients.

ASKI has focused on bridging the gap between

Group and Individual loans, while TSPI has
developed a new Individual loan to provide
improved opportunities to entrepreneurs (see
Veronica’s story on right). TSKI is currently piloting
an exciting new Group Loan.
TSPI client Veronica making her unique shellcrafts (left) and a
completed Christmas lantern (right).
TSKI—a new approach to Group Loans

TSKI has designed an innovative group product, Veronica’s story

Dagyaw, which has been well received by clients
and staff.
The Dagyaw loan has the following features:
• No group co-guarantee—two clients co-
guarantee each other’s loans
• Improved processes, including quicker loan
disbursement
• Loans range in size from Php. 5,000-30,000
(A$122-732)
• Loan term is six months
• Weekly repayment at brief group meetings with
20-45 clients
• Loan is disbursed in cash at the branch office,
saving clients time as they don’t have to travel to
the bank to cash a cheque
The Dagyaw pilot commenced in June 2009 in the
province of Negros Occidental. Loan officers
benefited from intensive training prior to the pilot
launch, which equipped them with the skills and
knowledge to market and implement the loan
effectively.
The pilot has been well received by clients, with
client targets exceeded and a 100% repayment rate
maintained.
If the pilot continues to be successful, this product
may be replicated among many of Opportunity
Australia’s partners in the Philippines.
Driven by a passion to produce high-quality goods
and support her family, Veronica Monfero is the
owner of a successful shellcrafts business.
Thirteen years ago, Veronica and her husband
started their business with a capital investment of
Php. 1,000 (A$24). Gradually their shellcrafts
manufacturing business grew, generating a gross
annual income of Php. 30,000 (A$732). The Monferos
knew if they had access to additional capital, they
could increase their product range and employ
more people.
Veronica heard about TSPI from her neighbours and
took the opportunity to apply for a small loan. Now
on her eighth loan cycle, her business generates a
gross annual income of Php. 100,000 (A$2,439).
Veronica now supplies a market district in Manila
and four exporters.
With an excellent repayment record, Veronica was
eligible to join TSPI’s Maunlad ‘Progressive’ loan pilot.
A loan of Php. 100,000 (A$2,439) enabled Veronica to
purchase extra materials and implement product
design ideas for Christmas ornaments.
Veronica is also involved in TSPI’s Kingdom Builders
Mentoring Program, which connects clients with
experienced business owners to assist with strategy
and business development goals. Veronica plans to
develop an improved marketing strategy and
product brochure.

Veronica is thrilled to be part of the loan pilot. “I can

¹Alalay Sa Kanularan, Inc. (ASKI), Taytay Sa Kauswagan, Inc. grow my business even more and help my workers
(TSKI) and Tulay Sa Pag-unlad, Inc. (TSPI). since I consider the business not just for my own
benefit,” she says.
7 OPPORTUNITY INTERNATIONAL AUSTRALIA—Global Partnership Fund Progress Report

The Philippines—renewing operations

The three-week course was designed for ASKI clients
who cannot afford formal training courses. The
training provides ASKI clients and relatives with skills
which can be used in their own small businesses or
in employment. At the end of the course,
participants undergo a written and practical
assessment and receive a Certification of
Competency from TESDA.

Elvira Beniosa, ASKI client and sari-sari (variety) store owner.
She used her loan to purchase extra stock for her store, which
has attracted more clients and increased her income.
ASKI Community Groups
In the northern Philippines where ASKI operates,
many people live in rural communities where
opportunities for employment are scarce. Villagers
often work as farm labourers or move to cities or
overseas to earn enough to support their families at
home.
Farmers’ cooperative
For small-scale farmers in the Philippines, one of the
challenges of earning a steady income is dealing
with fluctuating market demand. Months can be
spent cultivating a crop, only to find there are
virtually no buyers following harvest. Working as a
collective can give farmers bargaining power and
income security.
A group of 30 onion farmers in Nueva Ecija were
selected by a food corporation to become major
produce suppliers. However, they lacked capital to
scale up their operations. ASKI loaned the group of
farmers Php. 870,000 (A$21,220) to allow them to
take advantage of the food corporation’s offer. Now,
30 farmers and their families are earning stable
incomes.

In the second half of 2009, 1,362 clients formed 126

groups. The average initial loan was Php. 5,000
(A$122), while the most common businesses were
sari-sari (variety) stores, vegetable selling and pig
raising.

In the same period, ASKI established four new

branches in Aparri, Bambang, Caburraguis and
Rosales. Aparri is a seaside town located on the far ASKI clients participate in the cooking course at Talavera.
north coast of Luzon island, while the other
branches are located inland. These new branches ASKI performance indicators Jun 2009 Dec 2009
will allow ASKI to bring their community-focused Active clients 58,053 59,795
microfinance to more people. Branches 21 25
Average first loan size A$¹ 218 212
Culinary course
A 40-foot container van is bringing expert cooking Portfolio (funds with clients) A$ 10,121,847 10,862,353
classes to ASKI clients around Luzon island. Portfolio at risk (PAR) > 30 days 6.8% 4.8%
Accredited by the Philippines Government’s Percentage of loans to women 79% 80%
Technical Education and Skills Development Operational sustainability 111% 108%
Authority, the Kaalaman Sa Kusina Karavan has ¹Exchange rate used is A$1: Php. 41. This figure includes all
already provided 70 people with training in Hot and Individual and Group clients on their first loan cycles.
Cold Kitchen skills, pastry making and baking. Group Loans are usually smaller.
8 OPPORTUNITY INTERNATIONAL AUSTRALIA—Global Partnership Fund Progress Report

The Philippines—responding to disaster

On 26 September 2009, Typhoon Ondoy hit the
Philippines. After 12 hours of torrential rain and
localised flooding, people began to rebuild their
homes. However, Typhoon Pepeng soon followed
with greater intensity. From 3 to 9 October, Typhoon
Pepeng followed an irregular path, crossing over
Central and Northern Luzon three times. Rainfall
exceeded 1,000mm in some areas, with winds of up
to 230km/hr.

Approximately 9.3 million people were severely

affected by the typhoons, out of an estimated
population of 43.2 million living in the region. Over
950 people died and many more were injured.

“TSPI is really exceptional. You are more

concerned with the people than making ASKI CEO Rolando Victoria assisting in the relief operations.

profit.” Aileen’s story

Leonila Almodovar
TSPI client, Malolos
Approximately 56,000 TSPI clients and 6,000 ASKI
clients were directly affected. Sadly, one ASKI client in
Talavera lost her life in the floods. Many clients’
homes and belongings were washed away.
ASKI’s newly established Rosales branch had just
opened its doors in September when the typhoon
hit. The ground floor of the office was flooded.
Branch staff acted quickly to move all computers and
important equipment to the second floor of the
building.
Following the typhoon, the MFIs mobilised resources
(including emergency donations from supporters of
Opportunity Australia and other Opportunity
International partners across the world) to run relief
operations, with staff distributing goods, including
food, clothing and mattresses, to affected
communities.
“I decided to keep calm despite the bad weather
condition. I was worrying too much that my piggery
might be affected. I prayed hard that my brother,
who is taking care of my piggery, won’t be harmed.
Unfortunately, my piggery was one of the
devastated belongings affected by the typhoon.
Even my [fattest pig] died because my brother was
not able to save them, but I am glad that he [my
brother] is alive and nothing happened to him.
I realised how lucky we were that we are still alive
today. Despite what happened, we still survived. I
realised that… I must move forward and continue
with my life… I am very much thankful that ASKI
extended their help.”
Aileen Narajos
ASKI client, San Jose Patag

“We didn’t mind getting wet, tired or

hungry, just to make them feel that
they are not alone.”
Mary Grace Cacho
ASKI bookkeeper, on helping in the relief efforts

Our MFI partners recognise that affected clients need

ongoing support. ASKI implemented a rehabilitation
plan, including an evaluation of affected clients to
determine the extent of damage and a moratorium
on their loan repayments. Some client loans have
been restructured and refinanced.
Ongoing flooding made relief efforts difficult.
Sources: ASKI, Philippines Development Forum, TSPI
9 OPPORTUNITY INTERNATIONAL AUSTRALIA—Global Partnership Fund Progress Report
Postcard from the field
“Hello friends. Instalment number two from
Kupang during my year ‘in the field’ with TLM.
From memory last time I checked in, I was making
more language bloopers than George Bush on a
good day, my sweat glands were in overdrive and
I was planning to help TLM with improving their
audit function as well as review and improve their
process manuals.
It is now (February) the middle of the rainy season.
And when it rains in Kupang, it pours. For days on
end. Good for the farmers. Not so good for a city
boy who loves the sun. At least the sweat glands
get a reprieve. By the time you read this, the wet
season should be behind me.
On the work front I’ve been busy here but have
been working to a… ‘fluid’ workplan. Flexibility is
the key here. Most recently I have been working
with the management team to develop TLM’s
three year business plan. It has been both an
exciting and difficult process. Exciting because
looking ahead allows the team here to dream big,
and imagine what kind of impact we might have if
the number of families we impact in the region
increased to 25,000 then 35,000 then… dream
big, 50,000 over the coming years. The potential is
huge.
Yet it has been a difficult process too. Difficult
because, as with any organisation, particularly not-
for-profits, there are limitations. Limitations due to
funding. Limitations due to an uncertain
regulatory environment. Limitations due to a lack
of skilled labour in parts of this poor province. But
no one said this was meant to be easy. And I am
particularly heartened that Opportunity Australia
is committed to keeping supporters informed of
both the successes and the struggles. And when
all is said and done, TLM is making a huge
difference in this region of Indonesia.
The team here at TLM are terrific also. Friendly.
Warm. Helpful. Full of laughs and smiles. Makes
this experience all the more enjoyable. Bring on
the next six months.”
Mark Peacock
Australian Youth Ambassador
Australian Youth Ambassador Mark Peacock (second from left)
celebrating Australia Day with TLM staff in the Kupang office.
Introducing Community Groups
Our partners in Indonesia and the Philippines have
recently improved how they serve clients. This has
included a movement away from the traditional co-
guarantee system to more flexible loans. This change
has been driven by client feedback and recognises
that clients have varied financial requirements. To
reflect this fundamental change in client service,
‘Trust Groups’ have been renamed ‘Community
Groups’. This name reflects how a poor community
can be empowered when a group of clients and
their businesses improve the local economy.
Glossary
Portfolio at risk (PAR) is a stringent measure of an
MFI’s loan portfolio quality. It calculates the total
value of outstanding loan balances for loans with at
least one payment being overdue by more than 30
days. PAR is used to highlight potential future
repayment problems.
Operational sustainability is the ability of an
organisation to cover the costs of its lending
program with the revenue earned from its lending
program.
Disclaimer
This report provides information about Opportunity International
Australia’s program activity. Information is provided to us by our
implementing partners and we believe it is a true and accurate
reflection of program activity at the time of writing. Programs may
change in scope or be discontinued where our core operations
are no longer fulfilling the intended outcomes. In this case,
Opportunity International Australia may redirect funding to a
suitable alternative program.
 How do you want to Share the journey
change lives?
1. Invest in the future of microfinance
Become an Opportunity Investor and walk
alongside Opportunity Australia as we implement
and improve services to the working poor in India,
Indonesia and the Philippines.

Invest in Innovation—Support Opportunity

Australia’s Social Performance Management program.
$25,000 delivers expert consultants and practical
tools to provide more people with better
Your support can provide the poor with enough capital to kick
opportunities. start their businesses and work their way out of poverty.

2. Sponsor clients in their journey out
of poverty.
You can sponsor 25-50 microfinance clients for
$10,000. These clients will start or expand their own
small businesses and in doing so, bring hope to their
communities. You can choose to support clients in
India, Indonesia or the Philippines with life-
changing loans.
3. Support the people who make
microfinance work
Walking with TLM - Our partner TLM is building its
capacity to provide flexible, innovative financial
services and training to poor people in West Timor.
Philippines Renewal Program - Three microfinance
institutions and long-term partners of Opportunity
Australia, ASKI, TSKI and TSPI, are transforming into
dynamic organisations equipped to achieve greater
social impact now and in the future. AusAID will
match each dollar you donate, doubling your impact.
Thank you for your generous support.
Opportunity Australia needs your help to expand
our community of supporters and continue
changing lives in India, Indonesia and the
Philippines. We would like to connect with more
people like you.
Sharing your report with family, friends and
colleagues is an easy way to increase the impact of
your commitment. You can inspire others to join us
on the journey as we give a hand up to those living
in poverty.
To discuss how you might share your journey with
others, contact your local Donor Relations Manager
or contact us on opinfo@opportunity.org.au or
1800 812 164.
More exciting opportunities to
support clients and their families are
coming soon.

“Be the change you want to see

in the world.”
Mahatma Gandhi
X9999 ED0310

Microfinance can help parents give their children a chance at

a brighter future.