Microfinance has progressively acquired a wider interest over the past few years; this trend descends from many causes, not least the progressive reduction of aid to development. The progressive recognition of this theme has been testified by the recent UN proclamation of the 2005 International Year of Microcredit, underlining the fact that this strategy is highly recognised as an integral part of a collective effort to alleviate and reduce poverty pressures. After a presentation of the principal typologies of microcredit, this paper aims at analysing the characteristics and effects of the specific case of some rural Equator communities, through a project of non governmental Cooperation to Development.