Duta Artha Sejahtera, People's Credit Bank (BPR), Inc. has a high credit lending which is also one of its funding sources. This is a descriptive method that aimed to describe datas from literature review and field study. Results show that the credit lending and liqeufation procedures have been approriate with its directoral decision, number 002/SK-DAS/DIR/2012. Overall, its credit lending management has been good but lack of accuracy in credit analyzing several years before results in the increasing of nonperforming loan (NPL) risk. It also then affect collectibility of debitor and NPL increase, every year.