The following professional sufficiency report aims to evaluate credit management in the process of evaluation, monitoring and recovery of credits in Mibanco period 2018 - 2021; within the problems detected, Mibanco presents difficulties in the evaluation to grant credits, in the monitoring and recovery of credits, due to the fact that a deficient evaluation of the management to grant credits is recorded, since these are granted without a good file likewise, clients incur delays in the payment of their installments, due to the lack of payment capacity to face their credit debts, which generates that a credit is irrecoverable. The results indicated: The credit portfolio quality of Mibanco headquarters Trujillo in the year 2021 was 23.11%, in the year 2020 it was 31.55%, in the year 2019 it was 15.77% and in the year 2018 it was 18.99%. The delinquency rate in 2021 was 9.78%, in 2020 it was...