TOR: Legal & Regulatory Assessment of PAYGo Business Models in Africa and Beyond

Request for Proposals: Legal & Regulatory Assessment of PAYGo Business Models in Africa and Beyond 

GOGLA is seeking a qualified legal and regulatory consultancy firm to undertake an independent assessment of the regulatory landscape affecting Pay-As-You-Go (PAYGo) business models in the off-grid solar (OGS) sector across selected African markets and beyond. 

The assignement:

The assignment will examine how evolving regulatory frameworks, including those relating to credit, digital lending, microfinance, hire-purchase, consumer protection and financial services, may apply to different PAYGo models and assess the associated legal and compliance implications. 

The consultancy will, among other things: 

• Map and characterise PAYGo business models used in the OGS sector; 
• Identify existing and emerging regulations that may apply to PAYGo models; 
• Assess key legal and compliance risks; 
• Explore practical and proportionate regulatory pathways; and 
• Provide an independent professional opinion and recommendations to inform GOGLA and industry engagement with policymakers and regulators. 

Submission

Interested and suitably qualified firms are invited to review the full Terms of Reference in the link below and submit their proposals in accordance with the requirements set out therein. 

ToR's Download and View the Full ToR's in this link: https://www.dropbox.com/scl/fi/dfm1cfbnriewj1ufzl11s/GOGLA_ToRs_PAYGo-Regulation-Advisory_Final.pdf?rlkey=243pnfucyuvmk8n9w9d0e3zab&st=uxj2nvh2&dl=0

Submission deadline: 11th October 2026 

Submission questions: w.kipruto@gogla.org 

Submission website: https://gogla.homerun.co/

For the full scope, eligibility requirements, deliverables, application process and evaluation criteria, please refer to the Terms of Reference. 

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