Abstract

GOMEZ REATEGUI, Jorge Fernando; ALIAGA PAJARES, Guillermo; VERASTEGUI SANCHEZ, Ronald  and  ATOCHE PACHERRES, Patricia. INTERACTION BETWEEN MACROECONOMIC FACTORS AND CREDIT MANAGEMENT STRATEGIES: A THEORETICAL APPROACH IN TIMES OF CRISIS. Aula Virtual [online]. 2025, vol.6, n.13, e555.  Epub Oct 06, 2025. ISSN 2665-0398.  https://doi.org/10.5281/zenodo.17265564.

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.

Keywords : Macroeconomics; credit management; economic crisis; default; financial policies.

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