In conditions of deep global crisis, microfinance is considered to be one of the most adaptable financial instruments to the needs of small and mediumsized enterprises. This form of financial support for small enterprises in the form of microfinance organizations is highly relevant for the economy of the geographical region, the stability and scale of the activities of existing companies in this area. In this context, the authors, in addition to highlighting the momentary gaps in this segment of the economy activity, but also identify a number of proposals with regard to the management of credit risk and overindebtedness risk, these are identified as the most urgent probable risks of the microfinance market, both in the Republic of Moldova and internationally.