The good performance of the Peruvian economy in recent years has been conducive to the emergence of microfinance institutions across the country, with greater presence in the departments of the North and Central (Peru is the country with the best conditions for microfinance in Latin America and the Caribbean-2010 microscope developed by the Economist Intelligence Unit / IDB). This is the case of La Libertad region who has grown exponentially in recent years, largely helped by microcredits granted to certain segments of the economically active population (EAP). However, many microfinance institutions have heavy bags (delinquent) that are in some cases 30% or 40% of your portfolio, be a serious problem in the medium and long term. The loans made without regard to the regular procedures of credit, poor internal control, dishonesty and lack of values of some officials are the main causes of ...