This paper unfolds how the agency practices of microcredit clients are produced and reproduced by the intended actions of agents in terms of ‘embodiment’ and ‘emotionality’. To justify the process, data of the present study were collected through in-depth informal interviews and an interview guideline was used for specific questions and issues in the view of analytical framework approach. Socio-cultural constructions within any particular society typify the agency exercise of a particular group of people involved in the process. In this regard, the study finds that ‘emotionality’ and ‘embodiment’ as the confining factors of the clients considered as socio-cultural barriers that are so important to grasp before development intervention and implementation. And the study also finds that the repayment pressure of credit brings emotional stress and anxiety in the everyday life of clients involved with microcredit system. Replication of microcredit operations should consider the internal structure of the particular social locale.