Increasing access to micro finance services is accepted as one of the tools to attack poverty.rnOromia Credit and Saving Share Company (OCSSCO) is one of the three largest institutions thatrnaccounts for 65% of the market share in terms of borrowing clients and 74% by loan provision.rnWhile OCSSCO was established in August 1997, Meta Robi Credit and Saving Share Companyrn(MRCSSCO) was established ten years later in August, 4, 2007. This thesis attempts to assessrnMeta Robi Credit and Saving Share Company challenges it faced and its future potentials in thisrnarea. The research methodology was employed for this study Primary; data were collectedrnthrough questionnaire, interview and focus-group discussion from regular and new clients.rnSecondary data were collected from different published books, unpublished yearly or quarterlyrnreports journal of articles, academic paper and other relevant official documents and reportsrnhas been used to analyze the case study. The results of the study reveal that the MRCSSCOâ€™Srnmicro financing scheme has had a positive impact on improving the coverage/outreach of itsrnclients in the study woreda. Absence of follow up, continuous training, monitoring and supervisernthe activities of the poor who operating their business in the environments with high businessrnrisk in nature. Based on the findings, it has been found out that, MRCSSCO should develop therncapacity of its staff, enhance its institutional capability, and must make an effort to strengthen itsrnfinancial capacity in order to increase its coverage for all kebeles poor households.rnKey terms: Microfinance institutions, rural and urban households, credit and saving, low incomernhouseholds