Role of Credit Management Analysis to Reduce the Occurrence of Problem Loans (Study on People's Credit Bank in Gianyar District)

This study aims to identify and analyze credit management, the causes of bad credit, handling loan problems in banking. uses quantitative methods data used are secondary data. The is based on application management collectability data, level Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), limit Loan Deposit (LDR). results this indicate that Rural Banks have carried out stages appropriately. findings loans debtors who family problems, business failures, job terminations covid 19 pandemic disaster. Non-performing handled by rescheduling.