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Purpose

This paper aims to examine links between women's access to micro‐finance and how they use maternal healthcare services in sub‐Saharan Africa (SSA).

Design/methodology/approach

The authors use theoretical and empirical literature to propose a framework to sustain and improve women's access to maternal healthcare services through micro‐financing.

Findings

It is found that improved access to micro‐finance by women, combined with education may enhance maternal health service uptake.

Research limitations/implications

The paper does not consider empirical data in the analysis. The authors advocate empirically testing the framework proposed in other SSA countries.

Social implications

It is important to empower women by facilitating their access to education and micro‐finance. This has implications for improving maternal healthcare utilization in SSA.

Originality/value

The paper moves beyond poor access to maternal health services in SSA and proposes a framework for providing sustainable solutions.

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