NAIROBI, Kenya, November 26, 2025 — Asset-financing company M-KOPA has unlocked KES 207 billion in credit for Kenyan consumers since 2010, according to its newly released Kenya-specific Impact Report, the first market-specific publication by the firm.
The report reveals that digital access remains central to M-KOPA’s impact, with 4.5 million customers currently using smartphones financed through the platform. Of these, 2.1 million are first-time smartphone owners, underscoring the company’s role in expanding digital inclusion across underserved communities.
The findings show a strong link between M-KOPA’s financing model and economic empowerment within the informal economy. Sixty-seven percent of its users rely on M-KOPA products for income generation, while 52 percent report an increase in earnings since joining the platform. Since its inception in 2010, the company has now served 4.9 million customers, supported by a workforce of 1,320 direct employees and a network of 14,000 sales agents across the country.
M-KOPA’s economic footprint has also grown significantly. In 2024 alone, the company contributed KES 3.79 billion in taxes and spent KES 20.3 billion on local procurement. Its Nairobi smartphone assembly plant has produced 2 million devices, creating skilled manufacturing jobs and advancing circular economy efforts through refurbishment and local sourcing.
The report also highlights the company’s growing climate leadership. Through its solar-powered solutions, refurbished devices, and e-mobility initiatives, M-KOPA has avoided a cumulative 2.03 million tonnes of CO₂ equivalent.
The company has financed more than 5,000 electric motorbikes, which are helping riders reduce operational costs and increase their earnings. Commenting on this milestone, Brian Njao, General Manager – Mobility, said the company’s financing model works across asset classes, making income-generating tools accessible to people who earn on a daily basis. “For riders, the impact is immediate: lower costs, higher earnings, and the dignity of building towards ownership,” he noted.
Speaking during the launch of the Impact Report, M-KOPA Kenya General Manager Martin Kingori said the findings affirm the company’s role in driving inclusive financing and social mobility. “Kenya has always been the beating heart of M-KOPA’s progression 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 everyday earners—nine out of ten report an improved quality of life, and more than half are now earning more,” he said.
The report attributes many of the company’s achievements to strategic partnerships with Safaricom, Bolt, Turaco, Ampersand, Roam, Spiro, and the Gates Foundation, collaborations that have strengthened distribution, product innovation, policy engagement, and affordability. Looking ahead, M-KOPA plans to expand its local manufacturing capacity, scale responsible digital financial services, and deepen partnerships aligned with Kenya’s long-term development targets, including the Digital Economy Blueprint and Kenya Vision 2030.
