M-KOPA Kenya Unlocks KES 207 Billion in Credit

The report shows the powerful link between smartphone access and opportunity. 67% of customers use their M-KOPA device for income generation, 52% report earning more since joining the platform, and 64% say they can now meet household goals more easily

By Newsroom Last updated Nov 27, 2025

By Isaac OGANGA

M-KOPA, has released its first Kenya-specific Impact Report, revealing the company’s decade-long contribution to advancing digital inclusion, financial access, and local economic growth for Every Day Earners.

Since 2010, M-KOPA Kenya has unlocked over KES 207 billion in credit, serving 4.8 million customers traditionally excluded from formal finance. Digital access remains a cornerstone of this impact, with 4.5 million smartphone users supported, including 2.1 million first-time smartphone owners.

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.”

Economic Impact:

KES 207+ billion in credit unlocked
KES 3.79 billion in taxes contributed in 2024
KES 20.3 billion in local procurement spend in 2024
2 million phones assembled at Africa’s largest smartphone assembly facility

Customer Impact:

4.8 million total customers served
9 out of 10 customers report improved quality of life
67% use their M-KOPA product for income generation
52% report increased earnings
95% say loan terms are fair

E-Mobility Impact:

5,000+ electric motorbikes financed
KES 730 average daily savings per rider
66% of riders report earning more
90%+ reduction in harmful pollutants vs petrol bikes