The purpose of this research is to expand the insight on credit especially in terms of how the procedure settlement credit problematic conducted by PT. BPR Prima Mulia Anugrah Branch Padang. In analyzing the data, the authors use qualitative analysis method by outlining the data systematically from the facts obtained are then linked with bad debt resolution procedure on PT. BPR Prima Mulia Anugrah Branch Padang. The results of this study indicate the causes of the occurrence of bad debt caused by the bank's internal factors and influence factors of ektern (customer). Where the bank less meticulous when doing an analysis of the feasibility of a credit is given. Should the customer not deserve credit, but because of slipshod or incorrectly customer assessment into deserves credit. and from the ektern (the customer) that the existence of an economic downturn customer credit which received the customer used to develop the business and the business wound up. The completion of bad debt is done PT BPR PMA Branch Padang refers to the process of restructuring of credit in the form of rescheduling, or rescheduling, reconditioning or changes the terms of restructuring and realignment of the back.