The article explores how non-accounting information influences credit decisions in microfinance banks in Kenya. The researchers used questionnaires to gather data and found that factors like credit history, credit utilization, and financial literacy have a positive impact on credit decisions. This means that knowing a customer's credit history, how they use credit, and their financial knowledge can help microfinance banks make better lending decisions. The study suggests that microfinance banks should collect and use this type of information to improve their credit management policies and reduce loan default rates.