This document is based on microfinance services extended to people in Kenya. It studies the performance and experience of Kenya Rural Enterprise Program (K-REP) Development Agency (KDA) using data collected from seventeen Financial Service Associations (FSAs) founded by KDA. Microfinance offers promise for alleviating poverty by providing financial services to people traditionally excluded from financial markets. Small-scale loans can relieve capital constraints that might otherwise preclude cash-strapped entrepreneurs from investing in profitable businesses, while savings services can create opportunities to accumulate wealth in safe repositories and to manage risk through asset diversification. The challenges in Kenya, including poor infrastructure, formal banking systems inaccessible to the poor, lack of savings alternatives, and pockets of politically and economically marginalized populations.