M-KOPA Ghana Staff Threaten Demonstration Over Unpaid Salaries
A section of employees at M-KOPA Ghana has threatened to stage a protest on Wednesday, May 21, 2025, over unpaid salaries and what they describe as harsh working conditions.
According to the aggrieved staff, about 60% of workers have not received their full salaries, prompting calls for immediate action from management. At least 50 workers are expected to participate in the demonstration, donning company-branded t-shirts and marching through the streets of Accra to demand their outstanding wages.
The workers say the protest will only be called off if management pays all salary arrears and reviews policies they believe are detrimental to their welfare.
Some employees allege that certain managers may be deliberately manipulating payment systems for personal gain. During a product activation on Wednesday, May 14, 2025, one of the workers lamented the poor turnout and low morale among staff.
“We were supposed to have a massive activation here, but the turnout was poor due to what our managers are doing to us. It feels like they’re finding ways to cheat us out of our hard-earned money every month through something they call QOS,” the worker said.
QOS, which stands for Quality of Sales, is a metric M-KOPA uses to determine monthly earnings. Workers claim there is no transparency regarding how the QOS is calculated. Previously, employees received full pay if their QOS exceeded 93%, and only one-third of their earnings if it fell below that threshold. However, last month, salaries were reportedly paid based on a 95% QOS benchmark—without prior notice to staff—leading to widespread dissatisfaction.
“When the month begins, every DSR [Direct Sales Representative] has a QOS of 93% or higher. You start selling with confidence, but just days before payday, the QOS drops, and you end up receiving little or nothing. Some colleagues who sold 20 to 40 units received no payment because the company claimed their QOS had dropped,” the worker added.
Many DSRs have now resolved to stop selling or reduce their sales volumes, citing the business as no longer viable under the current conditions.
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M-KOPA Ghana operates as a fintech hire-purchase company, offering smartphones—primarily Samsung and in-house brands—on credit. Workers are paid commissions daily and monthly, but the latter is reportedly treated as a bonus, a structure many staff members oppose.
The situation remains tense as employees await a response from management. The public will be updated on developments as they unfold.