Sustainav[e provision of micro finance services is suggestea to wiaen tfie income sources of tfiernyoor. Since tfie yoor ao not fiave access to forma[ financia[ services, micro - finance isrnsuggestea as usefu[ way out for financial constraints. '11ie yoor can resume yroditctivernactivity or offset financia[ sfiortages.rnTfiis stuay fiyyotfiesizes tfiat tfie yoor as aeveroyment agent fiave way outs to 'yesumernyroditctive activity if tfieir cayita[ constraint is tack[ea. Tfiis assumes tn.at micro - credltrnfaciCities wi[[ so [ve micro-[ever aeveroyment constraint ([ack of finance) for fm'mingrnfiousefio[dS/ indiviaualS. '11ius tfiis stuay focuses on tfie ana[ysis of tfie imyact of micyofinancerninterventions (a case micro - credlt program).rn,rn'11ie main ovjective of tfiis stuay was tfierefore to assess tfie imyact of micro finance servicesrnyroviaea vy "'Dawro 'Dicfia Saving ana Credit Program" on fiousefio[a CiveCifioodS. '11ie imyactrnof micro - credit was investigatea on fiousefio[a income, on access to eaucation, fiousefio[arnsaving, aviaty to yay fiea[tfi exyenses, key asset owners fiip, farm exyansion ana coyingrnstresses of tfie fiousefio[a. 'Data for tfie ana[ysis was generatea from yrimary ana seconaa.ryrnsources. Ana[ysis was conauctea vy using cross tavu[ation, frequency aistrivution,rnyercentages, ana cfii - square for (:ategorica[ variav[es. ana inaeyenaent samp[e t-tests fo'yrncontinuous variav[esrnTfie imyact of aeCivering financia[ service (micro - credlt) for regu[ar ana one (oan cyderncCients was ana[yzea vasea on some socia-economic inaicators. Tfie investigation revea[earntfiat tfie 'Dawuro Saving ana Credit 1Jrogram fias maae Sign ificant imyact on fiousen.o[arnincome, access to eaucation, aviCity to yay fiea[tfi exyenses, engagement in income generatingrnactivities ana fiousefio[a suyy[ementary fooa exyendlture. J{owev er, statis tica[ test resu[tsrnsfiowea tfiat tfie imyact of tfie 'Dawro 'Dicfia Saving ana Credit yrogram is insignificant onrnagricultura[ croy yieCtÂ£, farm [ana exyqnsion., coying witfi some aif.!icu[ties ana saving.rn:Major yrov[ems encounterea auring tfie program were insufficiency of [oan, timeCiness ofrn[oan, market inaccessiviCity, inter est rate, reyayment, tfie [ow yrofitaviCity of tfie enteryrisernana not aecCaring tfie aiviaena.rn:from tfiis investigation, executing microfinance at rura[ area cou[a improve significant[y rrnfiousefio[a CiveCifiooa. :for more imyact Vroaaening [oan amount, revising aisvuTSementrncriteria ana,yeyayment sc fieau[e, intrgaucing contextua[ insurance scfieme are major areasrn~~=~a. .rnKey words: Micl'ojill(lIlce" impact, regular and one loan cycle clients