Analysis of Psychological Capital to Measure Labor Commitment: The Case of Latin American Microfinance Companies

In recent years, there has been an increased demand for psychological competencies among staff in the microfinance sector due to the complex market situations they face. These situations require strong emotional capacity to provide resilience and perseverance. This study focuses on analyzing psychological capital to determine work engagement. Applying a quantitative approach with explanatory scope and a non-experimental design, questionnaires were administered to 54 employees of a microfinance company in Peru. The results indicate that self-efficacy, optimism, resilience and hope have statistically significant, direct and robust effects (all above 80%) on work engagement. It is therefore recommended that the development and enhancement of these personal resources be encouraged to ensure that employees genuinely identify with the organization and strive to achieve their goals, which in this sector would probably involve maximizing financial returns.