Women's access to micro credit has increased substantially worldwide. International organizations, non-governmental organizations, commercially-oriented institutions and governments support the proliferation of micro credit programs through diverse funding arrangements, and specifically target women to participate in such initiatives. This dissertation explores women's experiences in a micro credit program in Cairo, Egypt, funded by Save the Children (USA) in order to contribute to the growing debate on women's poverty reduction and empowerment potential. Because women's voices are critical the issues are raised through questions regarding women's situation in micro credit and what factors assist women in meeting their choices and concerns, and empowerment outcomes.A qualitative research study of women's micro credit groups based in Cairo's Abdeen and Imbeba neighbourhoods was used in order to address women's experiences. In the literature reviewed on micro credit and micro finance, international development paradigms for women, and the socio-economic context in Cairo served to identify important influences. Women's sources of power based in the household were used to develop a conceptual framework. Women's triple roles in production, reproduction and community managing, women's practical and strategic gender needs, and theories of women's empowerment formed the principal elements.Findings were based on interviews and observation with 69 project participants, including 54 women borrowers, of which 11 interviewed women agreed to a second interview, and 4 key staff members of the Group Guaranteed Lending and Savings program. Numerous assumptions regarding the role of micro credit in the lives of low-income women are reported and analyzed. An exploration of women's experiences reveals that, social issues in micro credit are as important, perhaps even more so, than the economic concerns of the projects. Only through building a more complete picture of women's lives can micro credit programs achieve their objective: to contribute to greater gender equity in society.Keywords. micro credit; women; informal economy; poverty; empowerment; international social work; Middle Eas