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Opportunity International is largely financed by private donations. These come from both individual and institutional donors. The Bill & Melinda Gates Foundation is one such institutional donor, having given OI a grant of $24 million over five years in 2007 (Bill & Melinda Gates Foundation, 2009). As with a traditional bank, OI is also financed in part by savings. They offer savings accounts to impoverished communities that otherwise would not have access to such services. OI has savings accounts of $238 million, which helps to finance their loan portfolio. They also have an insurance arm, which contributes more deposits that can be lent

OI markets to do different groups. One group is the donors, which are marketed to through both passive channels (website donations) and active (negotiating with institutional donors). To consumers in the countries that they serve, OI markets in a couple of different ways. They operate 17 different microfinance institutions, and market these in traditional fashion through having a presence in the communities. At this point, OI has established a brand name and the have successfully engaged in word-of-mouth promotion. They also bring in clients through relationships with other NGOs that have more direct contact with the

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