M-Kopa Says It Has Unlocked Ksh 207 Billion In Credit

M-KOPA has unveiled its first Kenya-specific Impact Report, a first-of-its-kind market-specific report, highlighting the company’s significant milestone of unlocking over KES 207 billion in access to formal finance since 2010.

This expansion has bolstered financial inclusion in underserved communities, empowering customers to invest in essential digital tools and services. Digital access forms the cornerstone of M-KOPA’s impact, with 4.5 million customers now utilizing smartphones, including 2.1 million who are first-time smartphone owners.

Sixty-seven percent of users report using M-KOPA products for income generation, while 52% have experienced an increase in earnings since joining the platform. This growth highlights the vital link between technology access and economic opportunity in Kenya’s informal economy.

KEY HIGHLIGHTS

• 4.9 million Customers Served: Since its inception in 2010, M-KOPA has unlocked an impressive KES 207 billion in credit, significantly expanding access to formal finance and essential digital tools.
• Digital Access Driving Livelihoods: M-KOPA has empowered 4.5 million smartphone users, including 2.1 million first-time owners. Notably, 67% of these users leverage M-KOPA products for income generation, with 52% reporting increased earnings.
• Local Economic Impact: The company supports 14,000 sales agents and employs 1,320 people directly. In 2024, M-KOPA contributed KES 3.79 billion in taxes and invested KES 20.3 billion in local procurement. Its Nairobi smartphone assembly facility has produced 2 million devices, fostering skilled manufacturing jobs and supporting circular economy principles.
• Climate Leadership: M-KOPA has avoided a cumulative 2.03 million tonnes of CO2e through solar solutions, refurbished devices, and e-mobility initiatives, selling over 5,000 e-motorbikes to foster sustainable transportation.

Speaking during the launch event, General Manager, M-KOPA Kenya, Martin Kingori, said, “Martin Kingori, General Manager, M-KOPA Kenya, said: “Kenya has always been the beating heart of M-KOPA’s progress journey. Our 2025 Impact Report demonstrates how inclusive financing, responsible lending, and digital innovation are transforming lives at scale. What matters most is the lived progress of Every Day Earners—9 out of 10 report an improved quality of life, and more than half are now earning more.”

The report illustrates M-KOPA’s commitment to expanding access to smartphones, financial services, and clean mobility solutions for Every Day Earners across Kenya, framing the Pay-As-You-Go (PAYG) model as a scalable pathway to inclusive prosperity.

Brian Njao, General Manager – Mobility, said: “Reaching 5,000 electric motorbikes demonstrates how M-KOPA’s financing model works across asset classes. Whether it’s a smartphone or an emotorbike, we’re solving the same challenge—making expensive, income-generating assets accessible to people earning day by day. For riders, the impact is immediate: lower costs, higher earnings, and the dignity of building towards ownership. This is financial inclusion meeting climate action.”

These achievements have been driven by strategic partnerships with organizations such as Safaricom, Bolt, Turaco, Ampersand, Roam, Spiro, and the Gates Foundation. These alliances enhance distribution, financing, product innovation, and policy engagement, expanding reach and affordability for M-KOPA’s customer base.

Looking ahead, M-KOPA plans to expand local manufacturing, scale responsible digital financial services, and deepen partnerships aligned with national development ambitions—from the Digital Economy Blueprint to Kenya Vision 2030.

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