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Opportunity International provides access to savings, small business loans, insurance and training to 9.6 million people working their way out of poverty in the developing world. Clients in 22 countries use these financial services to expand businesses, provide for their families, create jobs for their neighbors and build a safety net for the future. The poor in the developing world work hard. Opportunity International Canada has found that if we provide them with the tools to succeed in their own enterprises, they respond with staggering zeal: we serve 9.4 million microentrepreneurs in 21 countries; they have a 99% loan repayment rate. It happens because an Opportunity International loan is not just money. It’s an entire system of support, guidance and accountability. Because microfinance revolves around the concept of loans repaid, not hand-outs, it is one of the few remedies for poverty that can be self-sustaining.