An irony observed in microfinance these days is its great preference for savings products rather than credit products for households. For some authors, this phenomenon is explained by the fact that microfinance's products especially its loan products don't meet the households demand. This paper analyses the Ivorian credit market so as to understand the determinants of credit choices from Banks, formal MFIs, and informal sources. The lack of trust in the microfinance institutions, and the size of loan among other factors play an important role. The presence of a higher level of social network justifies the low demand for credit witness by microfinance institutions.