Kalama, Faith ShahaMutswenje, Vincent Shiundu2025-10-032025-10-032023Kalama, F.S. & Mutswenje, V.S. (2023). Microfinance Services and Financial Performance of Small-Scale Women Enterprises In Kilifi County, Kenya. IOSR Journal of Business and Management (IOSR-JBM). 25(11). 17-26.https://ir-library.ku.ac.ke/handle/123456789/31521ArticleBackground: small-scale enterprises owned by women continue to face numerous challenges that affect their financial performanceDespite their contribution to economic empowerment and poverty reduction among rural communities in Africa. In Kenya, nearly 400,000 SMEs don’t last over two years. This raiseconcerns over their financial sustainability and survival. The study sought to explore how small-scale women enterprises perform financially in Kilifi County, Kenya. The study’s specific objectives were; to determine whether access to credit, financial literacy training,and savings mobilization have influencesin the financial performance of small-scale women enterprises in Kilifi County, Kenya. Methodology: The study used an exploratory research design with a population sample of 350 out of 1286 registered women entrepreneurs in Kilifi County. Both primary and secondary data were collected using selfadministered questionnaires while Multiple linear regression was used to analyse data aided Statistical Package for Social Sciences (SPSS) 26.0. Result: The study found that obtaining credit and savings mobilization had a statistically significant effect on the performance of finances while financial literacy training had no statistically significant effect. Recommendations: The study recommends an adoption of a simple loan application procedure, tailored and affordable of microfinance loans as well as the establishment of uniquesavings schemes by MFIen-USArticle