Build a Tariff Model for a Lagos Informal Settlement's Energy Co-op

Areas like Makoko or Bariga in Lagos have tens of thousands of residents with no reliable grid access. They pay up to five times the national tariff rate to generator operators, or they tap into illegal connections that cause fires and electrocutions. A community energy co-op, powered by a shared solar system, is one proven alternative, but it only works if the money coming in covers maintenance, debt repayment, and eventual expansion. The problem is pricing. Set the tariff too high and low-income residents cannot pay; too low and the co-op collapses within a year. You also have to account for commercial users like hair salons and phone charging kiosks, irregular income patterns (daily earners, market traders), and the reality that some people will default. Your deliverable is a tariff model presented as a clear spreadsheet and a two-page explainer. The spreadsheet should show at least three pricing tiers based on consumption and user type, a revenue projection over 24 months, and a sensitivity analysis showing what happens if 20% of users default. The explainer translates the model into plain language a community leader with no finance background could use in a meeting. Good work here goes beyond a theoretical pricing exercise. It references real data, such as NERC tariff benchmarks, existing co-op case studies from Nigeria or Ghana, and realistic kWh consumption figures for the appliance mix a low-income Lagos household actually owns. The model should feel like something a community group could pick up and use tomorrow.