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Here is all You Need to Know About M-KOPA and its Branches Across Africa

By Oluchukwu Ikemefuna

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M-KOPA is a leading solar power and financial services provider that empowers underserved communities across Africa.

With a mission to make high-quality energy solutions accessible to everyone, it has become a household name in the continent’s renewable energy sector.

In this article we’ll be reviewing  M-KOPA’s journey, its core offerings, and its expansion across Africa.

What is M-KOPA?

M-KOPA is a company that provides solar energy solutions and financial services to underserved communities across Africa. It was founded in Kenya in 2010 by Jesse Moore, Nick Hughes, and Chad Larson. Its flagship product is the M-KOPA Solar Home System, which includes a solar panel, battery, LED lights, and other accessories. Customers make affordable installments and eventually own the system. 

The company also offers other financial services such as insurance and credit, contributing to financial inclusion and economic empowerment in Africa.

The company has expanded its operations to several African countries and has had a transformative impact on the lives of millions across the continent.

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What does M-KOPA offer?

M-KOPA’s core offerings center around the provision of affordable, reliable, and sustainable solar energy solutions to households and small businesses in underserved areas across Africa. The primary product, the M-KOPA Solar Home System, is a modular system that includes several components:

  • A Solar Panel:

The solar panel is the primary component of the system, capturing sunlight and converting it into electricity. It is designed to be durable and efficient, ensuring long-term performance.

  • Battery:

The battery stores the energy generated by the solar panel during the day, allowing customers to use electricity during the night or when there is limited sunlight. M-KOPA uses high-quality lithium-ion batteries that provide reliable and long-lasting performance.

  • LED Lights:

The system includes LED lights that are energy-efficient and provide bright illumination. These lights are designed to be durable and long-lasting, reducing the need for frequent replacements.

  • Charging Ports:

The system includes USB charging ports that allow customers to charge their mobile phones and other devices. This feature is particularly beneficial in areas with limited access to electricity, where mobile phones are essential for communication and access to information.

  • Mobile Payment System:

M-KOPA uses a pay-as-you-go (PAYG) model, where customers make affordable daily payments through mobile money services such as M-PESA in Kenya. This payment system makes the system accessible to customers who may not have access to traditional banking services.

  • Remote Monitoring and Support:

M-KOPA’s systems are equipped with remote monitoring capabilities, allowing the company to track performance and provide timely support to customers. This ensures that the systems are operating optimally and provides peace of mind to customers.

In addition to its solar products, the company offers other financial services, such as insurance and credit, to its customers. This approach to energy access and financial inclusion empowers customers to improve their livelihoods and build resilience against economic shocks in Africa.

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What is the goal of M-KOPA?

The goal of M-KOPA is to leverage digital micropayments and GSM connectivity to make essential assets, such as solar energy systems, accessible to people who have traditionally been underserved by traditional financial services. 

By providing affordable payment options and innovative financing solutions, they aim to empower individuals and communities, reduce reliance on harmful energy sources like kerosene, and improve overall quality of life.

The company also emphasizes the importance of financial inclusion, making financial services accessible to those who are often excluded from traditional banking systems. 

Through its advanced financing platform, M-KOPA has enabled millions of people across Africa to access life-enhancing assets and improve their economic opportunities.

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M-KOPA’s Expansion in Africa.

M-KOPA has expanded its operations to several African countries, leveraging partnerships, innovative technology, and a deep understanding of local needs and market dynamics.

Its journey began in Kenya, where it quickly gained traction by providing households with affordable solar energy solutions. The company then expanded to Uganda, Tanzania, and Nigeria, among other African countries.

By adapting its business model and product offerings to suit local preferences and needs, it successfully established a presence in these countries and became a trusted provider of solar panels and  energy solutions. 

The company entered Nigeria using its experience in other African countries and quickly established itself as a leading provider of solar energy solutions, contributing to the country’s efforts to increase energy access.

In addition to its core markets, M-KOPA has expanded its reach to other African countries, including Rwanda, Ghana, and Zambia, among others.

The company has been able to replicate its success and make a meaningful impact in these countries by carefully assessing market dynamics,regulatory environments,and customer needs.

M-KOPA’s expansion strategy has been its ability to forge partnerships with local mobile network operators, financial institutions, and other stakeholders.

These partnerships have enabled the company to make use of existing infrastructure and distribution networks, making its products and services more accessible to customers. 

Furthermore, it has invested in innovative technology, such as remote monitoring and mobile payment systems, to enhance customer experience and operational efficiency.

By continuously innovating and adapting to local contexts, the company has been able to expand its reach and make a significant difference in the lives of millions across Africa.

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How does the Company work?

Customers get to  pay a modest deposit of KSh. 3,500 (approximately US$35) and take home a solar system. Then, they make daily payments of 50/= (approximately US$0.50) through M-Pesa, a mobile money system, totaling about 45 cents a day. 

Over the course of a year, these payments add up to ownership. After 12 months of regular payments, the solar system is fully owned by the customer, who can then enjoy free access to solar energy.

This innovative approach not only provides clean, renewable energy but also slowly offsets the cost of the device. It’s a win-win situation for customers, who not only gain access to electricity but also build ownership and financial stability.

Moreover, this initiative is more than just a business model; it’s a lifeline. By replacing kerosene lamps, a common and dangerous lighting source in off-grid homes, with solar systems, M-Kopa is improving safety and health outcomes.

Customers no longer need to rely on risky and unhealthy lighting options, making their homes safer and healthier.

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What products do M-KOPA offer?

The comany also offers a range of upgrade products, including smartphones, water tanks, and refrigerators. In 2018, the company introduced SOLAPESA, a cash loans service for existing customers, further empowering them to enhance their lives.

Behind this success is M-Kopa Labs, a dedicated R&D unit focused on testing new technologies and extending the M-Kopa platform.

This commitment to innovation ensures that it stays at the forefront of solar energy solutions, constantly improving and expanding its offerings to serve its customers better.

In conclusion, M-Kopa Solar is not just about solar power; it’s about transforming lives. By providing affordable, sustainable, and empowering solutions, it is lighting the path to a brighter future for off-grid communities in Africa.

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Who are M-Kopa’s partners?

M-Kopa benefits from a variety of partnerships. For instance, mobile network operators like Safaricom join forces with the company to promote mobile money services and provide additional value to customers. By doing so, they not only enhance their offerings but also tap into M-Kopa’s expansive customer base. 

Moreover, manufacturers and brands collaborate with the company to leverage its platform as an entry point into new markets. This partnership enables them to access finance and overcome the logistical challenges of reaching remote customers. 

Also, payment companies such as Mastercard and emerging challenger banks recognize the transformative potential of M-Kopa’s platform in disrupting traditional brick-and-mortar banking models.

They seek to capitalize on this opportunity by integrating their services with its platform to reach previously untapped segments of the market.

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What is M-Kopa’s Impact across Africa?

M-KOPA’s expansion across Africa is driven by a mission to make energy accessible and has had a transformative impact.

By offering affordable, reliable, and sustainable energy solutions, M-KOPA has improved livelihoods, enhanced productivity, and reduced dependency on harmful energy sources such as kerosene.

This has been particularly impactful in rural and peri-urban areas where access to the electricity grid is limited or nonexistent.

The M-KOPA Solar Home System has enabled households to run small businesses, such as phone charging and sewing, which contribute to additional income generation.

In agriculture, solar-powered irrigation systems have increased crop yields and extended growing seasons, leading to improved food security and income stability.

The use of solar panels has also improved health services by powering medical equipment and refrigeration for vaccines and medicines.

The adoption of solar energy solutions reduces reliance on fossil fuels, contributing to a reduction in greenhouse gas emissions and mitigating climate change. Solar panels produce clean energy, reducing the carbon footprint of households and businesses.

Access to electricity has improved educational outcomes by enabling children to study at night and access educational materials powered by solar panels. Schools with solar-powered lighting also benefit from extended hours for studying and extracurricular activities.

Women, who are often responsible for household chores, benefit from the use of solar-powered appliances such as cookstoves and water pumps.

This reduces the time and effort required for tasks such as cooking and fetching water, allowing women to pursue income-generating activities or education.

By offering flexible payment plans and financial services such as insurance and credit, M-KOPA empowers customers to manage their finances better and build financial resilience against economic shocks.

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What are the achievements of this Company?

M-Kopa has earned accolades from various entities. It won the Bloomberg New Energy Finance Award in 2014, along with two distinctions from the Financial Times for Technological Contributions to Sustainable Finance and Outstanding Achievements in sustainable finance in 2013. 

Fortune Magazine commended M-Kopa in 2015 as one of the Top 50 Companies Driving Change worldwide, and it also secured the Zayed Future Energy Award in the same year. 

In 2016,M-Kopa was being acknowledged as the Best Mobile Innovation for Emerging Markets at the Global Mobile Awards. 

Notably, MIT Technology Review also recognized M-Kopa among the 50 Most Intelligent Companies in 2017. M-Kopa showcased its prowess at the Financial Times Arcelor Mittal – Boldness in Business Awards in the developing markets category in March 2016. 

Fast Company also esteemed M-Kopa in its 2018 edition of the World’s Most Innovative Companies, ranking it fourth among African enterprises. 

Furthermore, M-Kopa earned a spot among the esteemed global Cleantech 100 companies in 2019.


What is M-Kopa?

M-Kopa is an African connected asset financing platform that offers underbanked customers in Africa access to vital products, such as solar lighting, televisions, refrigerators, smartphones, and financial services. 

What does the name “M-Kopa” mean?

 “M” stands for “mobile,” and “kopa” is Swahili for “borrow.” Thus, “M-Kopa” translates to “mobile borrowing” in English.

When was M-Kopa launched?

M-Kopa was launched commercially in 2012.

Where is M-Kopa headquartered?

The company has its headquarter  in Nairobi, Kenya.

In which countries does M-Kopa operate?

M-Kopa currently operates in Kenya, Nigeria, and Uganda.

Who are the founders of M-Kopa?

M-Kopa was founded in 2011 by Nick Hughes, Chad Larson, and Jesse Moore.

What industry does M-Kopa belong to?

M-Kopa operates in the energy and fintech industries.

What products and services does M-Kopa offer?

M-Kopa provides solar energy solutions, televisions, refrigerators, smartphones, and various financial services.

Is M-Kopa a private or public company?

M-Kopa is a private company.

What is M-Kopa’s official website?

M-Kopa’s official website can be found at [https://www.m-kopa.com/


M-Kopa stands as a beacon of innovation and empowerment, bridging the gap for underbanked communities across Africa by providing access to essential products and financial services. 

With its commitment to sustainable solutions and technological advancement, M-Kopa continues to redefine the landscape of connected asset financing, leaving a lasting impact on individuals, households, and communities alike.

As the company expands its reach and offerings, it remains dedicated to its mission of driving positive change and improving lives across the continent.



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Blessing Ukibe
Blessing Ukibe

Medical Student at Nnamdi Azikiwe University|Tech content expert at Silicon Africa Technology|Lover of fun books and fun fun ☺️

Articles: 148

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