The objective of this research is to design a comprehensive model aimed at reducing credit risk in the solidarity sector. This effort seeks a substantial improvement in the efficiency of the recovery of non-performing loans, considering that this process involves a significant level of risk. It is an applied and mixed research in terms of its sources of information, the scope is exploratory and explanatory, and the approach is quantitative. The model contains crucial parameters for effective risk mitigation. It should be noted that, as additional support, information from the sectoral analysis of the cooperatives in the report of the Superintendencia Solidaria and portfolio balances by city and entity with cutoff to 2021 and 2022 generated by the Superintendencia Solidaria will be used to support the current situation of the portfolio in the solidarity sector in Colombia. The methodology developed in this research can be extrapolated and applied in other regional contexts and economic sectors, offering a valuable tool to address credit risk and strengthen the solidarity economy in Colombia.