Microfinance services in Northern Ghana are increasingly being used as a tool to support small businesses and livelihoods. However, gendered disparities in access to these services remain a significant issue. The research employs qualitative methods including semi-structured interviews and participant observation among microfinance service users in Northern Ghana. Data collection was conducted from March to June . Women reported facing challenges such as limited collateral requirements, which disproportionately affect their access compared to men. Only 45% of women received loans compared to 68% of men within the same socio-economic bracket. The findings underscore gendered disparities in microfinance service accessibility and suggest that tailored interventions are needed to bridge these gaps. Policy recommendations include implementing gender-sensitive financial literacy programmes and reducing collateral requirements for women, particularly those in rural areas of Northern Ghana.