• Solar home systems (SHSs) with Light Emitting Diode (LED) lamps are considered to be cost effective and robust decentralized option for rural electrification. Two financing schemes, fee for service and micro-credit system (ownership), are primarily important for acquiring the SHSs by the rural population. However, high upfront cost of SHSs and absence of payment flexibility is deterring the penetration into larger market of lower-income group rural population. Non-availability of facile finance to rural population at the grass-root level is the major barrier inhibiting the widespread adoption of solar-powered lighting systems. Micro-Finance Institutions (MFIs) can be useful to address the gap between the high initial upfront cost of SHS and low paying capacity of rural households by providing flexible and affordable credit. The One-Stop-Shop Model based on a single micro-energy provider who provides the services of finances, supply of standardized SHSs, and after sale energy services is crucial.