PT. Bank Nagari Cabang Padang is one of the banks that provide People's Business Credit (KUR) facilities up to Rp.500,000,000, - which will be channeled to the business development sector, within a maximum credit period of up to 5 years. In distributing credit to prospective borrowers, PT. Bank Nagari Cabang Padang uses 7P Analysis method, namely Personality, Party, Purpose, Prospect, Protection, and Profitability. And PT. Bank Nagari Cabang Padang also uses 5C analysis, namely Character, Capacity, Capital, Condition of Economy and Collateral. Procedures for granting people's business loans to PT. Bank Nagari Cabang Padang are among others, first, prospective borrowers apply for credit. second, the marketing department checks the completeness of the document. Third, conduct a business location review. Fourth, if credit is agreed, the legal officer will be given an order to the notary section and a notary credit agreement is made, only after that is a credit search.