Objective:

To determine the incidence of credit management in the delinquency of the microfinance area of ​​Banco Pichincha del Peru during the year 2019, considering information and data from the microfinance area of ​​the agency in question.

Method:

The research was descriptive, transversal, has a quantitative approach, a non-experimental design, and a quantitative scope. The sample was made up of 124 overdue loans granted by the microfinance area of ​​Banco Pichincha del Peru, during the period of 2019.

Results:

The investigation’s results show a significant incidence of credit management on delinquencies, finding that 9,12% of the credits approved by the microfinance area are in arrears. Likewise, considering credit management, there is a negative correlation of -0,113 in terms of credit evaluation, and in the same way, a negative correlation of -0,023 in terms of credit conditions.

Conclusion:

It is concluded that credit conditions have a significant impact on delinquency in the microfinance area of ​​Banco Pichincha del Peru, showing a negative correlation degree of -0,027.

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