This study aims to 1) identify the factors leading to bad loans at. Bank Rakyat Indonesia (Persero) Tbk. Manna Branch and 2) knowing the action plan done by. Bank Rakyat Indonesia (Persero) Tbk. Manna Branch. The results showed that the factors leading to bad loans is as follows: 1. Lack of honesty in the use of the debtor obtained credit. 2. The existence of several employees at the Administra…