The problem under investigation has been identified in the delinquency of the partners of the social-financial Institutions, the same one that requires a solution that allows directing these entities towards institutional development. This problem is expressed in the following question: How is efficient credit management related to the effective reduction of delinquency in social-financial institutions? Faced with the problem, the solution is proposed through the formulation of the hypothesis: Efficient credit management is related to a reasonable degree with the effective reduction of delinquency in social-financial Institutions. Likewise, this work has been oriented to the following objective: Determine the relationship of efficient credit management with the reduction of delinquency in social-financial Institutions. It is concluded that efficient credit management is reasonably related to the effective reduction of delinquency in social-financial institutions.