Pay-As-You-Go strategies

This group is for discussion of innovative approaches to financing off-grid lighting products. A wide variety of strategies are being used, from highly informal lay-away arrangements to highly sophisticated ones using cell-phone banking to make payments based on remotely monitored light usage.

Please share your thoughts and experiences with the other members.

Members: 55
Latest Activity: Jul 20, 2016

Discussion Forum

PAYG - a way to break the price/value paradox

Started by Huashan Wang. Last reply by vincenzo capogna Mar 6, 2015. 6 Replies

I think this is an important topic, and I hope that collectively we can generate ideas to tackle this paradox, (may be to too strong a word?).  The paradox is this: people who seek low price products…Continue

New CGAP paper on PAYG Solar

Started by Jacob Winiecki. Last reply by Yotam Ariel Aug 19, 2014. 1 Reply

Check out this new CGAP paper on PAYG Solar: "Access to Energy via Digital Finance: Models…Continue

Tags: PAYG

Case study : Solar Energy through mobile payment - Simpa Networks

Started by Cécile Dahomé. Last reply by Adedayo Lawal Apr 17, 2013. 5 Replies

Within the framework of our 2 years project about social entrepreneurship and inclusive business in the secteur of water and energy, we've met some social entrepreneurs in India: Husk Power System…Continue

Tags: Networks, Simpa

Comment Wall


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Comment by Manik M Jolly on January 24, 2013 at 10:30am

@Evan Mills

I've been running a 15 kW Micro grid in an extremely remote Indian village, which now has 24*7 electricity. Not only domestic, but they are running 2 water pumps of 2HP each for 4 hours daily. Tried various payment models over last 18 months, and I think I have some clarity on Micro grid payment models. Although its a detailed conversation, but If you could take it point by point, I'll try and share whatever I have learnt. 

Comment by OGBEMUDIA GODFREY on January 20, 2013 at 11:57pm

Thank you all for your comments!

Comment by Yotam Ariel on January 19, 2013 at 7:36pm

Wow Ogbemudia!
This is very detailed and interesting.
Please continue sharing your work online, and keep us updated.


Comment by SWAP Botswana on January 18, 2013 at 11:04pm

Thanks Godfrey hope we can get some guidance for our own developing work in this area.

Comment by OGBEMUDIA GODFREY on January 18, 2013 at 12:36am

Dear All,

The Community Research and Development Centre(CREDC) based in Nigeria has over the years been involved in providing clean energy access for lighting in communities across Nigeria using Solar Pv for Micro Off-grid facilities, Central solar Charging Stations and Stand alone Solar system.I am pleased to share with you the report of one of our Solar Project which has just been published by the Alternative Energy online magazine. This can be accessed through the link below.
For further information please contact Godfrey by this email;  
Comment by Evan Mills on January 16, 2013 at 12:08am

Does anyone have concrete experiences to share?

Issues that seem of interest:

  • Duration of payment periods
  • Default rates
  • Entities involved; roles played: creditor, retailer, enforcer, tech provider
  • Technologies, e.g scratch cards vs phone-based payments
  • How problems such as theft, tampering, or product failure are handled

Any publications people are aware of?  Should we write something?

Comment by Yotam Ariel on January 13, 2013 at 2:18am

Indeed there's more and more activity around this.

I keep a list of pay-as-you-go solar businesses here:

Hope it helps.


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