Building pathways to progress for millions of people

Download 2024 report

We measure our impact based on 4 themes

Included
Connected
Prosperous
Green
01

Included

We create financial inclusion for the traditionally excluded through a fair, flexible, customer-centric financing model. We continuously strive to drive greater inclusion of women, youth and low-income communities.

$1.5 billion
in credit unlocked.
We are proud of our inclusive, progressive and flexible customer- centric credit model.
23 million+
lives indirectly impacted through M-KOPA products.
Our products do not just impact the lives of our customers, but their households also benefit. Smartphones are shared with family members, enabling children to access information and education. Digital loans are invested in businesses, generating prosperity for their families and helping them cover household expenses like education, food and healthcare. As a result, our indirect impact extends to over 23 million lives.
02

Connected

We connect customers to the mobile internet and digital economy. This allows them to promote their businesses through new digital channels, access digital loans, data bundles and health and asset insurance; all which further enhance their lives.

1.7 million
first time mobile internet users.
Africa’s digitization and mobile connectivity continues to grow. For those looking to improve incomes, access education and information, health and public services, and communicate with family and friends, being online is no longer optional. Mobile is the primary way people are accessing the internet in Sub-Saharan Africa but many are still excluded because they cannot afford a smartphone. This gap is even more pronounced for women, low-income earners and young adults.
$2billion
income generated through ownership
86% of Nigerian customers, 78% of Ugandan customers, 77% of Kenyan customers, 75% of Ghanaian customers and 38% of South African customers report their incomes have increased since owning an M-KOPA smartphone.
Source: © 2023 Impact report
03

Prosperous

This inclusion and connectivity creates prosperity, with customers investing the additional income they earn into their businesses, education and health, while setting and pursuing financial goals.

62%
of customers use M-KOPA smartphones for income generation.
Customers recognize the impact of their smartphones in their earnings with 62% seeing income growth as a result of using their M-KOPA product for income generation.
30,000+
livelihoods created for agents.
We unlock financial progress for agents by providing opportunities to earn commissions from the sale of our products. Our model has allowed us to create compelling livelihood opportunities for thousands of youth entrepreneurs across our markets. Today, over 70% of our agents are below the age of 35.
4 in 5 customers
say their quality of life has improved because of their M-KOPA product.
When customers sign up for their first M-KOPA product, they begin building a credit history that offers them access to a range of digital financial services, such as digital loans and health insurance. This deepens their financial inclusion and enhances their prosperity by creating financial resilience and safety nets.
04

Green

We bring a climate-responsible approach to everything we do. After kick-starting the pay-as-you-go solar industry, we are now working to accelerate Africa’s transition to electric mobility and building a circular economy for smartphones.

1500+
electric motorbikes sold.
We launched our first financed electric motorbikes in Kenya in 2023 and are helping to pioneer the electric motorbike financing sector.
30%
daily savings.
Riders report a 30% daily average saving since switching to an electric bike.
100,000+
circular economy products (refurbished and second-life smartphones).
We are committed to advancing affordability and sustainability together through the circular economy. We have provided over 100,000 second-life products and smartphones to date and are investing in our device lifecycle management capabilities to make second-life devices a growing portion of our asset sales.
2.1 million
tonnes of CO2 avoided through clean energy products.
To date, we have serviced over 1 million customers, offsetting 2.1M of CO2 reducing carbon footprint through product innovation.

In 2024, we undertook our first full carbon scope (Scope 3) measurement with third party measurement firm Emitwise. Their findings confirmed that M-KOPA is proudly carbon negative over our lifetime of operations. We have displaced over 2 million tonnes of carbon emissions through the provision of clean energy products. This reduction dwarfs our current annual Scope 3 carbon footprint of less than 100,000 tons of CO2 equivalent per year.
1,000,000+
people with improved energy access.

A flexible, inclusive and progressive credit model for all

We prioritise customers by offering affordable, responsible credit through digital micropayments.

With a little deposit, customers own immediate access to smartphones and electric motorcycles and can later access digital financial services, including loans and health insurance.

Models
How we do it
Flexible
We provide payment flexibility. When customers are unable to complete loan payments, they can return the product at anytime, get a deposit refund, and be free from loan obligations.
Inclusive
Our first step in financial inclusion is offering products like smartphones as collateral, secured by advanced locking technology. This reduces lending risk and enables us to provide competitive financing, even to those with no credit history.
Progressive
As customers repay, they build a credit score that allows us to offer valuable products like digital loans or health insurance, unlocking more opportunities for their success.

Download the full 2024
M-KOPA Impact Report

Download here
Download the 2023 Report
Download the 2021 Report

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