Microcredit is considered by many as a panacea for the poverty canker. It is therefore called for and applied by many as a poverty alleviation intervention especially targeted at poor women. However, there are many contrasting claims on the positive impact of such interventions. In lieu of this, the author sought to assess the accessibility, utilisation and impact of microcredit on women and their IGAs mainly from the perspective of beneficiaries in Tamale, Ghana. In conclusion, there are still major constraints encountered in accessing credit and this is compounded by the problems...