The microfinance sector in Rwanda is relatively young. Although small self-help peasant organizations (such as tontines-ROSCA or ibimina) have existed for some time, the sector growth accelerated with the creation of the Banque Populaire du Rwanda (BPR) and Union des Banques Populaires du Rwanda (UBPR) in 1975 whose network dominates the microfinance industry today. The objectives of the present study were to assess the accessibility of micro credits by woman; to inquire into the destinations of obtained micro-credits; and to show their contribution to poverty reduction in rural areas. The questionnaire, documentary and interview guide were used to collect data from sample size determined. The results showed that female members of SACCO KARISIMBI JENDA constituted 35, 42 and 53% of all members in 2013, 2014 and 2015, respectively. As the number of women in microfinance institutions increased progressively, the women understood well the financial services. Consider the total microloans disbursed by SACCO KARISIMBI JENDA, the quantity of microloans received by women were 22% of all microloans in 2013, 39% in 2014 and 42% in 2015. The activities like modern agriculture, breeding, small trade, payment of hearth insurance, reconstruction of houses, savings account, etc. shown that all microloans taken by women contribute to social economic development and poverty reduction to women and Rwandan society in general. The predominance of men in taking microloans therefore persists but the women also are in a good progression. The challenges like collateral have been observed in this research. Local government, Business Development Fund (BDF), National Bank of Rwanda (NBR) and other public and private institutions are requested to improve the sensitization of women about the guarantee Fund set by government to help women on this issue.