This article shows the development of a method for constructing a model for assigning credits at Cooperativa Belen Ahorro y Credito consumption loans. For this purpose, existing Colombian norms and the need for having a score system (customer individual qualification) are used to optimize times of sale processes and study of credit requests, in order to determine the customer’s basic characteristics. This article deals with the first stage of the process when a qualitative methodology is used together with statistical methods.