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

About GOGLA

GOGLA is the global off-grid solar association. We represent the leading organisations delivering clean, affordable energy to underserved communities worldwide.

We bring together companies, investors, governments and partners to grow the off-grid solar sector and reach the people who need energy most. Drawing on our data and insights on market trends and best practices, we inform policy and investment decisions and advocate for the conditions needed to scale. Together with our members, we are building a strong, responsible industry that creates jobs and economic opportunity.

Off-grid solar solutions are already improving the lives of more than 560 million people worldwide, powering homes, businesses, farms, schools and clinics. GOGLA and its members are building on this progress to Power 1 Billion Lives Now.

Summary of the Assignment
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 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.

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 for reference:
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

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

The successful Consultant firm will bring with them:

The assignment should be undertaken by a suitably qualified legal and/or regulatory advisory firm with demonstrated experience in financial services, consumer credit and related regulatory matters.

The bidder should demonstrate:

• At least 10 years of relevant professional experience in legal and regulatory advisory, preferably covering consumer product sales, financial services, consumer credit, digital lending, fintech, hire purchase and/or asset financing;

• Demonstrated experience undertaking multi-country legal and regulatory assessments,preferably across African markets;

• Strong understanding of regulatory frameworks relevant to consumer product sales, PAYGo and/or similar asset-based financing models;

• Experience advising private sector, industry associations, governments and/or regulators on regulatory and compliance matters;

• Knowledge of the off-grid solar/PAYGo sector will be a strong advantage; and

• Appropriate legal qualifications and demonstrated expertise of the proposed expert(s).