The purpose of this study is to describe the procedures to apply for loans, credit analysis, credit monitoring in the distribution business credit micro and handling of non-performing loans as well as the obstacles that arise in the distribution business credit (KUR) micro in Bank Rakyat Indonesia Unit Gedong Kuning Branch Adisucipto. This study is a descriptive empirical. The type of data used are primary data and secondary data. Data collection methods used were interviews, and documentation of the recording. The results showed that the procedures to apply for small loans at BRI Gedong Yellow Branch Adisucipto through several stages of the loan application, the examination stage, the stage of the decision granting loans and tranches of credit / credit agreement. For credit analysis, BRI uses BI Checking, SICD, analysis of 5C. In the micro credit portfolio monitoring is done actively or passively. In addition, the handling of problem loans appears the effort BRI is in the form of coaching, training consistently and monitored by maintenance. If already experiencing congestion then settling the claims submission to Askrindo or Jamkrindo accordance with the memorandum of understanding agreed by the Government, the Company Guarantor, as well as executing bank (BRI). The other thing in the form of barriers in dealing with troubled loans also can not be ignored, such as from external factors include: changes in uncertain markets, as well as the character of the customer. While the internal is BI Checking. 
Key words: Micro Credit, Procedures Credit Application, Credit Analysis, Credit Monitoring,, Handling and Barriers to Troubled Credits