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We finance progress
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Our mission
M-KOPA is a leading African fintech platform that provides affordable financial and digital products to “Every Day Earners” - the tenacious entrepreneurs who are the backbone of the continent’s economies.
Our mission is to make financing for everyday essentials accessible to everyone.
Our Purpose
We’re redefining financial services for millions of people. Many hardworking individuals, earning a daily living for themselves and their families, are often overlooked and traditionally underserved.
We’re creating a new generation of products for people who are regularly excluded because they don’t have a formal monthly salary, access to collateral and aren’t fully connected to the digital economy. We solve this problem by combining world-class software, hardware and distribution. We’ve built:
We aren’t afraid of doing what it takes to serve our customers.
Our Story
M-KOPA was founded in 2010 on the idea that combining digital micropayments with GSM connectivity could provide affordable access to life-enhancing products. Since then, we’ve built a financial platform that has deployed over $1.5 billion in credit and enabled over 5 million customers across five countries - Kenya, Uganda, Nigeria, Ghana and South Africa - to own quality smartphones, access digital services and progress towards their financial goals.
Our innovative model provides affordable daily repayment plans that match the realities of how people earn their money. We offer flexible and locally relevant products to help people achieve progress in their lives.
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The Smart Money
Platform
Our financial journey with customers starts with financing a smartphone, the primary gateway to the digital economy.
Through a small deposit and affordable daily micro-instalments, customers build up their repayment credit history. Customers then leverage this credit history to access additional financial services: digital loans, hospital coverage, device protection and affordable data bundles, which are all made available on a similar instalment basis.
Our embedded financing approach transforms a conventional smartphone into a personal finance tool. Customers get instant access to essential products that they otherwise couldn’t afford.
By building a long-term relationship with our customers, M-KOPA has become a trusted partner in helping people boost their incomes, build financial resilience and progress to the futures they aspire to.
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Our Values
Progress Every Day
We pioneer, learn and strive to get better. We embrace thinking differently, taking risks, and challenging the status quo to help our customers and team achieve progress.
Excellence Where it Counts
We are clear about what matters and focus relentlessly on executing our top priorities with excellence. We sweat the details and take pride in delivering our personal best.
Humility in Service of our Customers
We are a diverse team united by passion for our mission. We place our customers at the heart of everything we do and collaborate without ego to deliver for them.
Customer Promise
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Inclusive
Flexible
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Fair
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M-KOPA Leadership
M-KOPA Board Members
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M-KOPA Offices
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Our Awards and Recognitions
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Our Investors
We're backed by some of the leading venture capital and financial investors from around the globe.
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