Microfinance access in Ghana has been a subject of interest for researchers aiming to understand its impact on small business owners' financial management practices and performance. The theoretical framework underscores the importance of understanding how microfinance access can be leveraged to enhance financial stability and growth among Ghanaian small business owners. Future research should focus on longitudinal studies to further validate these findings and explore potential policy interventions that could improve microfinance accessibility and utilization. Microfinance, Small Business Owners, Financial Management, Accra, Ghana