<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>2665-0398</journal-id>
<journal-title><![CDATA[Aula Virtual]]></journal-title>
<abbrev-journal-title><![CDATA[Aula Virtual]]></abbrev-journal-title>
<issn>2665-0398</issn>
<publisher>
<publisher-name><![CDATA[Fundación Aula Virtual]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2665-03982025000102093</article-id>
<article-id pub-id-type="doi">10.5281/zenodo.17265564</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[INTERACCIÓN ENTRE FACTORES MACROECONÓMICOS Y ESTRATEGIAS DE GESTIÓN DEL CRÉDITO: UN ENFOQUE TEÓRICO EN TIEMPOS DE CRISIS]]></article-title>
<article-title xml:lang="en"><![CDATA[INTERACTION BETWEEN MACROECONOMIC FACTORS AND CREDIT MANAGEMENT STRATEGIES: A THEORETICAL APPROACH IN TIMES OF CRISIS]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Gómez Reátegui]]></surname>
<given-names><![CDATA[Jorge Fernando]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Aliaga Pajares]]></surname>
<given-names><![CDATA[Guillermo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Verástegui Sánchez]]></surname>
<given-names><![CDATA[Ronald]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Atoche Pacherres]]></surname>
<given-names><![CDATA[Patricia]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Nacional Mayor de San Marcos  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Peru</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad César Vallejo  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Peru</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Universidad Tecnológica del Perú  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Peru</country>
</aff>
<aff id="Af4">
<institution><![CDATA[,Universidad Tecnológica del Perú  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Peru</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2025</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2025</year>
</pub-date>
<volume>6</volume>
<numero>13</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://ve.scielo.org/scielo.php?script=sci_arttext&amp;pid=S2665-03982025000102093&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://ve.scielo.org/scielo.php?script=sci_abstract&amp;pid=S2665-03982025000102093&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://ve.scielo.org/scielo.php?script=sci_pdf&amp;pid=S2665-03982025000102093&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen La interacción entre los factores macroeconómicos y las políticas de gestión crediticia cobra una importancia crucial en contextos de crisis económica, donde las decisiones financieras influyen directamente en la estabilidad de las instituciones financieras. En este marco, este estudio busca analizar los diferentes enfoques teóricos que explican esta relación, aportando elementos esenciales para la formulación de políticas financieras eficaces. Se realizó una revisión sistemática de la literatura reciente, aplicando el protocolo PRISMA (Ítems de Informe Preferidos para Revisiones Sistemáticas y Metaanálisis) para seleccionar y evaluar los estudios más relevantes. Este procedimiento permitió identificar las teorías predominantes y su aplicabilidad en escenarios de crisis económica. Los hallazgos revelan que factores macroeconómicos como la inflación, el desempleo y la deuda pública desempeñan un papel fundamental en la determinación del riesgo crediticio y la incidencia de la morosidad en las instituciones financieras. Se concluye que la relación entre las políticas de gestión crediticia y las variables macroeconómicas requiere un seguimiento constante y adaptativo por parte de los reguladores financieros. El estudio proporciona un marco teórico sólido que sugiere la necesidad de una gestión crediticia flexible, respaldada por evidencia empírica, como forma de abordar los desafíos que plantean los entornos económicos adversos.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract The interaction between macroeconomic factors and credit management policies becomes critically important in contexts of economic crisis, where financial decisions directly influence the stability of financial institutions. Within this framework, this study aims to analyze the different theoretical approaches that explain this relationship, providing essential elements for the formulation of effective financial policies. A systematic review of recent literature was conducted, applying the PRISMA (Preferred Reporting Items for Systematic Reviews and Meta-Analyses) protocol to select and evaluate the most relevant studies. This procedure allowed us to identify the predominant theories and their applicability in economic crisis scenarios. The findings reveal that macroeconomic factors such as inflation, unemployment, and public debt play a fundamental role in determining credit risk and the incidence of delinquency in financial institutions. It is concluded that the relationship between credit management policies and macroeconomic variables requires constant and adaptive monitoring by financial regulators. The study provides a solid theoretical framework that suggests the need for flexible credit management, supported by empirical evidence, as a way to address the challenges posed by adverse economic environments.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Macroeconomía]]></kwd>
<kwd lng="es"><![CDATA[gestión del crédito]]></kwd>
<kwd lng="es"><![CDATA[crisis económica]]></kwd>
<kwd lng="es"><![CDATA[impago]]></kwd>
<kwd lng="es"><![CDATA[políticas financieras]]></kwd>
<kwd lng="en"><![CDATA[Macroeconomics]]></kwd>
<kwd lng="en"><![CDATA[credit management]]></kwd>
<kwd lng="en"><![CDATA[economic crisis]]></kwd>
<kwd lng="en"><![CDATA[default]]></kwd>
<kwd lng="en"><![CDATA[financial policies]]></kwd>
</kwd-group>
</article-meta>
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