Building pathways to progress for millions of people

Download 2025 report

We measure our impact based on 4 themes

Included
Connected
Prosperous
Sustainable
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.

$2 billion+
in credit unlocked.
We are proud of our inclusive, progressive and flexible customer- centric credit model.
7 million+
lives impacted through M-KOPA products.
Since 2010, we’ve served over 7 million customers across 5 markets—adding 200,000 new customers each month and maintaining trusted relationships with over 3 million active customers.
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.

2.5 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.

70%
of customers use M-KOPA smartphones for income generation.
Customers recognize the impact of their smartphones in their earnings with 70% seeing income growth as a result of using their M-KOPA product for income generation.
35,000+
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 77% of our agents are below the age of 35.
9 in 10 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

Sustainable

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.

4000+
electric motorbikes sold.
We launched our first financed electric motorbikes in Kenya in 2023 and are helping to pioneer the electric motorbike financing sector.
$5.62
average daily savings for e-motorbike drivers with M-KOPA. This is a 61% increase from 2024.
127,000+
circular economy products
We have provided over 127,000 circular economy products to date. Our focus is on extending the life of our devices as part of our commitment to advancing affordability and sustainability throughout our operations.
55,000
tonnes of CO2 avoided through refurbished phones and e-mobility (cumulative since 2020)
Our total baseline carbon footprint for 2024 is 120,660 tCO₂e, with Scope 3 emissions representing 99% of our emissions and Scope 1 & Scope 2 emissions combined accounting for less than 1%.

A flexible, inclusive and progressive credit model for all

Our inclusive, flexible, and progressive financing model places our customers at the heart of what we do. Everyone deserves access to the financial services they need to progress. Our model caters to the millions of hardworking people across Africa for whom access to formal financial services remains out of reach.

Models
How we do it
Inclusive
With a small deposit, customers instantly access high-quality smartphones or e-motorbikes to power their life and business. We don’t require collateral, guarantors, or formal credit scores—barriers that exclude many from formal lending. This first purchase begins a financial partnership serving customers’ long-term needs.
Flexible
Our daily repayment model matches customers’ cash flow patterns, allowing them to pay when they can without late fees or penalties. Customers can return products any time, receiving full deposit refunds and release from further payments.
Progressive
Daily payments build customers’ credit history, unlocking access to more products like digital loans and health insurance. Through proprietary credit, eligibility, and pricing models, we provide tailored offerings sized for each customer’s individual risk and borrowing capacity, creating more opportunities to prosper.

Download the full 2025
M-KOPA Impact Report

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We are celebrating 1 million insured customers

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