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This paper explored innovations offered by microfinance institutions (MFIs) operating in the three northern regions of Ghana. A sample of 41 MFIs comprising savings and loans companies, credit unions, and rural banks were surveyed. Data were analysed using descriptive statistics and analysis of variance (ANOVA). The study found that MFIs in the three northern regions have introduced a wide range of innovations in the past 3 years. These innovations that have been employed at varying degreesdoi:10.5296/ber.v3i1.3602 fatcat:2faayx6jkjcrvjodnawhtlkdxy