Our mission: To make financing for everyday essentials accessible to everyone

M-KOPA is a connected asset financing platform that offers millions of underbanked customers access to life-enhancing products and services.
We believe that everyone should have the power to achieve progress in their life, and access to financing unlocks this power. We reach customers who are underserved by traditional financial services, which often require customers to have a credit history or assets to secure financing.

Our innovative financing model offers them instant access to the product, while building ownership over time through flexible micro-payments.

Once a customer has paid off the instalments for their product, they can leverage this asset and their credit history with M-KOPA to access more products and services to progress in their life.

OUR HISTORY
It has been over 10 years since M-KOPA pioneered and kick-started the wider pay-as-you-go (PAYG) solar market. The concept for our business model was first sketched out by our founders on a whiteboard in early 2010. Our idea was to combine the power of digital micropayments with IoT (Internet-of-Things) connectivity to make financing more accessible, and solar was just the start.

Since then, we have built one of the world’s most advanced connected asset financing platforms. We have used it to provide nearly $400 million in financing that has enabled 1 million customers to access solar lighting, energy-efficient televisions and fridges, smartphones, cash loans, and more.

OUR CUSTOMER PROMISE
At M-KOPA,
Our priority is that customers LOVE M-KOPA. This motivation is shared by our entire team and is evidenced in the quality of our products, our flexible micro-payments and the value that customers derive from connecting to an M-KOPA device.

Our promise is to provide a GREAT after sale service experience to our customers through our call center helplines and via our network of 100+ Service Centers across the region.

Our commitment is that OUR CUSTOMERS are at the heart of every decision that we make, every product that we develop and in every market that we serve. We do this to ensure that our customers continue to CHOOSE M-KOPA.

2010; M-KOPA launched
6; Global Offices
1,000+; Employees
1,000,000+; M-KOPA Customers

LIFE AT M-KOPA

OUR VALUES
Our global team takes pride in the following company values:
MAENDELEO (PROGRESS)
We have an appetite for advancement and our customers do too. Our aim is to get better every day, improving our business operations while our customers better their lives.

UMILIKI (OWNERSHIP)
We help low-income consumers acquire and own high quality, affordable energy solutions, and we gain pride knowing that our customers gain independence through ownership.

UWAZI (CLARITY)
We aim to make life easier for our customers, and we value straightforward, common-sense solutions. We make our business decisions based on a clear and honest assessment of the facts. We believe that good ideas and great insights come from all directions: from our customers, our partners, and our staff.

M-KOPA PAY-AS-YOU-GO
PRODUCTS & SERVICES
Our innovative ‘Pay-As-You-Go’ financing model allows you to get instant access to products from day one, while building ownership over time through flexible micro-payments. Choose from one of our flexible payment plans and qualify for upgrades to other exciting products and financial services.

An M-KOPA solar system powers the heart of the home, connecting lights, charging, radios, TVs and fridges.
Solar Classic Lights
Solar 24″ TV
Solar 32″ TV
Solar 100L Fridge
Clean, bright, affordable light and phone charging
24” HD TV, bright lights, and phone charging to connect your home to the world
32” HD TV and more lights for super-charged viewing
Reliable refrigeration and lighting to make your business stand out

M-KOPA provides access to premium handsets that upgrade living standards, productivity and earning potential

By making reliable payments on the first product, you can build your credit history with M-KOPA and access other exciting products and services
FINANCIAL SERVICES
HOME UPGRADES
CASH LOANS
HOSPICASH
ZUKU CONTENT
JIKOKOA
Get cash quickly and easily, when you need it most
Prepare for the unexpected
The best entertainment at your fingertips
Enjoy faster cooking with 50% less charcoal

IMPACT
We give millions of people a pathway to ownership with an M-KOPA device that sits at the heart of the home or palm of the hand, connecting lights, smartphones, radios, TVs, fridges and more. This creates shared value by making people healthier, wealthier and more productive.

HEALTHY
Rural households – living far from access to grid electricity – are transformed when toxic, open-flame kerosene lanterns are replaced with clean, solar-powered lighting and TVs. More than 1 million rural homes now live without the immediate health and safety threats of lanterns and have avoided 5 billion cumulative hours of breathing toxin-laden air, in addition to safeguarding families from housefires and burns from open flames.
Moreover, access to solar-powered energy contributes more than to wellbeing alone. Most M-KOPA customers report that children’s education improves, as 55% cite increased study-time at home with bright lighting, and nearly 40% note women are the primary beneficiary of solar that empowers them with access to critical, informative content through TV and/or radio.

PROSPEROUS
Customers unlock financing to own their futures with PAYG financing for high-quality products and services that improve quality of life. Solar provides light to keep businesses open for longer, while phones connect micro-merchants with suppliers, customers and the wider world for jobs and upskilling.
Customers acknowledge that their M-KOPA product enables them to support incomes, whether that is getting a new job, working longer hours, or supporting a business. By unlocking nearly $500 million in loans for customers, customers have gone on to generate more than $112 million in income for local economies and $478 million in savings for household budgets. Moreover, to further reach customers, M-KOPA supports more than 7,000 direct sales agents to earn stable incomes in the fast-growing tech sector.

CONNECTED
Smartphones and TVs are gateways for customers to access knowledge and information previously out of reach.
While 75% of people in Sub-Saharan Africa remain unconnected to the internet – our innovative financing model unlocks access to mobile internet, with 50% of customers reporting first-time internet users. Now customers enjoy the benefits of being online and use technology confidently to improve their day-to-day lives.

GREEN
Empowering nearly 3.7 million individuals with assets to enable climate resilience in Africa safeguards our plant and climate for generations to come.
Access to PAYG Solar has enabled millions of customers to cease emitting 2 million tonnes of carbon dioxide and black carbon into the environment, while introducing more than 300,000 energy-efficient appliances into previously off-grid homes. Moreover, customers’ e-waste recycling has, in turn, given a second life to refurbished phones and solar systems through circular economy principles – inviting over 60,000 more onto the PAYG pathway.