The study aimed to analyze of the relationship between women access of micro credit and women utilization of micro credit in Rwanda specifically to determine the level of women access to microfinance in BRAC Microfinance, to establish the factors influencing women‘s utilization of microfinance BRAC Microfinance and to analyze the relationship between women‘s access to microfinance and women‘s utilization of microfinance in BRAC Microfinance. The study adopted a descriptive research design. The study population was 1200 BRAC Microfinance women customers; a sample of 64 respondents was selected from customers using simple random sampling. Both primary and secondary data was used. Data were gathered using questionnaires. Data was analyzed using descriptive statistics and presented by frequency tables and percentage. Findings show that most of women benefiting from micro credit of BRAC Microfinance borrow an amount averaging 500,000 (23.4%), the second borrow an amount averaging 250,000 (45.3%), the third borrow an amount averaging 200,000 (20.4%) and finally the third proportion borrow an amount averaging 100,000 (10.9%). Results also show that that majority of respondents 98.4% of respondents agreed that skills is a factor that affect women‘s utilization of microfinance institution. 73.4% of respondents agreed that education and training affect women‘s utilization of microfinance institution. 53.1% of respondents agreed that Government policy affect women‘s utilization of microfinance institution while 40.6% of respondents agreed that asset development is a factor that affects women‘s utilization of microfinance institution. Findings show that 100% of respondents agreed that there is relationship between women‘s access and women utilization of microfinance in Rwanda. The coefficient of correlation R= .886 indicating that there is a positive relationship between micro credit access and micro credit ulization as denoted Y. Moreover, the Adjusted R squared is equal to 0.787 indicates that there was variation of 78.7% on Micro credit utilization within BRAC Microfinance due to improve their micro credit access. The study recommended that financial institutions should raise the amount of credits to the women businesses to increase access to credit facilities. Similarly, the regulators of micro finance institutions should have a policy that will control the rate of interest charged by Microfinance Institutions.