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This article reports on research into the impacts of micro-finance on gender roles, the extent to which socio-cultural factors influence these changes, and how such changes affect the well-being of rural Bogoso households in the Wassa West District of Ghana. Findings indicated that micro-finance has changed men’s and women’s control over decisions and resource allocations, which consequently affected financial responsibilities and the education of children, and largely contributed to household well-being. However, the small size of the loans was a limitation. The article concludes that socio-cultural factors may promote or inhibit well-being in rural households, and that micro-finance is not a sufficient tool in itself to promote women’s and households’ well-being. It is recommended that if rural people’s well-being matters, collaborative efforts in the appraisal, monitoring, and evaluation of micro-finance initiatives, with the government providing leadership, are imperative.

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