Microfinance is nowadays more and more popular. Its main aim is to provide poor households, which have no access to formal financial services, with basic financial products, such as loans, savings or insurance. This work focuses predominantly on clients of microfinance institutions. Using an example of the Cocoa Abrabopa Association in Ghana, it shows the socio-economics characteristics of members and compares them with non-members. Subsequently, it estimates what the role of those characteristics in decision-making process is, i.e. how they affect the probability of taking a loan.