This study examines a micro-savings program in Kenya aimed at helping women save money over time to access skilled maternal health care. The approach of using micro-savings accounts to finance maternity care appears promising, if steps can be taken to improve clients’ understanding of card use and to encourage card uptake earlier in pregnancy.The study is implemented through the Strengthening Health Outcomes through the Private Sector (SHOPS) project, led by Abt Associates and funded by USAID.