Small scale farmers in many developing countries are face with problems of access to credit facilities. The fact that they are having small piece of land and most of them having low level of education, has even aggravated the problem. However micro-financial institutions on the other hand are desperate to take advantage of this miserable farmers to gain more profits from them. These mentioned conditions has created a situation where a compromise has to be reached between the two groups to allow the farmers access the loans and also enable them continue providing the services. This book therefore is a collection of the research finding done on small scale wheat farmers in Moiben Division Uasin Gishu County in Kenya who have benefited from the micro-finance loans. The research contain findings from farmers who actually benefited from loans and the findings on whether the loans have help them improve their living conditions.