The main objective of this research is to determine the relationship between credit risk and over-indebtedness of the MSMEs of the Agencia MIBANCO de Canto ReySan Juan de Lurigancho-Lima Metropolitana period, 2017-2019, the purpose of this research is carried out, due that it is decisive to know and establish different technology processes whose factors can affect mimicking the risk of late payment in relation to the credits financed to the MSMEs with guidelines and systems established in order to generate greater financial utility for the Agency, this work has been carried out with a quantitative approach, applied type of non-experimental design and descriptive-correlational level. In this investigation we worked with the financial statements of the agencies of the 3 different periods. The data base and matrix instrument was developed, which was analyzed with the SPSS statistical progra...