PSYCHOMETRIC QUALIFICATION IN MICROFINANCE

We studied how the psychometric credit evaluation in the process of granting credit to microentrepreneurs influences the profitability of a banking institution specialized in microfinance using the variables of effectiveness efficiency and profit margin (gross operating and net) to be contrasted with the content of the study. Likewise such results will be useful for the financial institution to corroborate whether or not the implementation of such credit risk measurement methodology since its launching is favorably affecting its profitability ratios and consequently is aligned with the financial objectives of the business. It should be noted that the entity will also be able to know whether or not it is promoting financial inclusion in the country. This is in favor of self-employed workers who have no credit experience whatsoever and are eager to obtain loans for the development of their enterprises.