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Microfnance has become a critical tool in credit markets for poverty reduction and socioeconomic development. Yet its impact is still questioned and varies from one country to another and from urban to rural areas. This article examines the role of Egyptian micro nance on household income. A cross-sectional survey interviewed 780 established and new clients in Greater Cairo and rural areas in Egypt. The strati ed random method was used to collect the data from urban and rural districts. The ndings, using multinomial logistics, reveal that micro nance had a positive impact on the household income of women borrowers who spent three years in the scheme as compared to new borrowers.