This research was conducted at PT Bank Rakyat Indonesia (BRI) unit Kebun Bunga Palembang. This study aims to find out how the Standard Operating Procedures (SOPs) relating to the implementation of credit called Kupedes at PT BRI unit Kebun Bunga Palembang as well as to determine whetner the implementation of Kupedes at PT BRI unit Kebun Bunga Palembang has been carried out effectively and in ac…