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 Yotam Ariel on February 21, 2015 at 5:55pm

A discussion about PAYG here.

It includes questions like:
- 'What are some of the common indicators used by the providers to measure portfolio health? Repayment rate? PAR? Or something else?'
- 'How has the experience been in case of delinquency and system being shut off by the provider? Are the panels and other components resalable?'

Comment by Evan Mills on May 7, 2014 at 2:20am

Nice article from LuminaNET member Betsy Teutsch in the Atlantic!

Comment by Cheng Yau Tong on May 5, 2014 at 1:57am

I am new to PAYG and I think it is an interesting system. Like to learn more.

Comment by Betsy Teutsch on October 31, 2013 at 5:41pm

I think my post today should go in this thread - so I am reposting.

They partner with mobile providers, and payments are via mobile phone.  One notable feature is that if the panel is stolen, it is disabled.  (not sure if it is replaced.)  This is a 5-year pay off system, but presumably could be paid for faster.

It just won an Israeli prize

The Lumos PowerSystem contains a solar panel (ten times more capacity than comparable units), and an indoor unit (includes power storing battery, output sockets, lights, and connecting cables).

lumos scale 

Comment by Evan Mills on August 11, 2013 at 8:44pm

The first few minutes of this video describes a scheme by which tea plantation workers can make time payments via their paycheck.

Comment by Yotam Ariel on April 3, 2013 at 5:53pm
Comment by Hakeem Adebola Lawal on April 3, 2013 at 8:01am

We are in the process of creating one of the most energy-efficient solar lantern targeted at the Nigerian market and thereafter other markets world-wide. One of the forseeable problem is that many BOP beneficiaries might not be capable of paying for the product upfront. My question is: How do we go about incoorporating the PAYG system into our product if we want to. How is the collaboration possible between the technology owner, us and the mobile services provider?

Comment by Evan Mills on February 21, 2013 at 10:18pm

A very relevant blog post came in today from Justin Guay.

Comment by SWAP Botswana on February 17, 2013 at 12:30am

Very useful model the use of mobile sms as a payment process is robust. Here in Botswana 55% - still lacking access to electricity (World bank 09) the use of mobile phone is prolific with over 3 million registered sim cards for a population of c2 million .

We are also developing various market entry scheme - But you model could work for our Transition Community project where the capital costs are greater.

Comment by Yotam Ariel on February 14, 2013 at 5:31pm

Interesting. Thank you for sharing, Daniel.


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