In recent years, we have seen the establishment of banks which intend to be accessible to the “poor” (i.e., the economically disadvantaged). This study describes the views of the female clients of one of such bank, the People's Bank of Nigeria (PBN). Twenty-six female clients of one of the branches of PBN were studied. Twelve were operating small-scale businesses in an urban community, and 14 were operating in a rural community. In-depth interviews with these women were conducted. Also, observations of women‘s activities and behaviours were conducted at their business sites (i.e., home, market place, roadside stall).The study found that the female clients of PBN generally perceived the bank to be a “success” because it improved women's economic, political and psychological situations. Generally, perceptions of clients from the urban community did not differ much from those of their rural counterparts. The federal government of Nigeria which established the bank, and development planners in developing and developed countries who intend to facilitate community development, can learn from the study how to improve poor women's lives by providing them with opportunities for credit.