| Sumario: | With the purpose of strengthening financial inclusion, supporting productive projects in the agricultural sector, promoting formality and, consequently, contributing to overcoming poverty; Microfinance has played an important role in the economy of Colombian municipalities such as Mocoa, capital of the Putumayo department, located in the south of the country. However, the particular configuration of the microfinance model can become very complex in situations of natural disasters, especially when the laws that cover this model are permissive with the collection guidelines, the flexibility of payments and the evaluation of productive projects, often leaving unprotected to the user and allowing the social purpose of the microcredit to be distorted and become a purely profit-making purpose that increases social and economic vulnerability. From an analysis in which a mixed research methodology is implemented, it is observed that the microfinance model implemented in Mocoa between 2007 and 2017 is permeated by scenarios of over-indebtedness, precariousness in the financial education of the inhabitants, and total absence of the implementation of some microfinance methodology, which results in slight manifestations of a financialization process, and an obstacle to the recovery of the municipality's economy.
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