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There is no easy path to glory There is no rosy road to fame Life however, we may view it is no simple parlor game But its prizes call for perseverance, fighting for endurance and for grit Micro-credits are set to add great value and give meaning to life of recipients, ensuring sustainable food security improving livelihood among others.However this is not the case for all type of credit/loan. Acquisition of credit varies depending on the type and the source. the big question posed is what change do micro-credits bring to the livelihood of beneficiaries....Is credit scheme wealth taken? Is process of obtaining credit cumbersome to its recipients especially among rural dwellers? what strategies put in place to retrieve credit given? This book reveal the myth behind Ghanaian Denish Community micro-credit Program (GDCP), credit acquisition, credit retrieve and further give answers to the above questions and more....