Problems are very often encountered in banking is credit problems. Where the Bank must be thorough and professional in providing loans to customers. The lack of precision causes frequent failure of payment by the customer so that the Bank had to face credit risk. Therefore, today's risk management is no longer foreign to the banking world in which the presence of this strategy will reduce the risk due to failure to pay and determine what factors are causing these failures in terms of how the Bank make the selection of prospective borrowers, then to monitor the debtor which has been received, and a decision on the handling of troubled loans. The analysis will be performed by the method of data collection Sources of research data obtained through interviews with the bank (primary). While the method of data collection is by using questionnaires and interviews (interview). 
Keywords: credit risk, Non Performing Loan (NPL), 6C + 7P