Proxima consulting received a request from the client MKD Credis for the development of a business and marketing strategy for a period of 3 years. The client's request was to specifically elaborate the possibilities of increasing the credit portfolio in the microcredit segment, as well as the selection of communication channels with clients. After the analysis of the market of the microcredit sector was completed, the client of MKD Credis was presented with models for increasing the credit portfolio, which include the sources and method of financing the increase in credit activities and the types of credit products that should be primarily marketed. Given that this is the microcredit sector and that lending is aimed mostly at individuals, an analysis was made for all communication channels for these clients, especially in the domain of digital technology.