The Bank is the main business of financial institutions raise funds, redistributing these funds, and provides payment services in the traffic and circulation of money. From this understanding, it is certain lending is the core business of a bank. Even the largest proportion of bank assets in the form of bank credit as well as the majority of revenues derived from interest income on loans. Credit in developed countries are distributed for commercial banks on average about 60-70% of total assets, while in our country, Indonesia approximately 81%. It is thus not aware whether or not credit another backbone of a bank. On one side of the eye, the backbone of a bank credit. And on the other's eyes roll mat be the cause of the credit bank. Survey on 200 international banks have been known to issue credit was sitting in a chair the first cause of bank failures that fully 62% of problem loans, 17% of fraud issues, 8%, asset and liability problems, 13% other problems. This, can be understood because the full credit risk. However, national economic council has recommended increasing the welfare of Indonesian society through capital accumulation principled life. And the statistics bureau data shows there are 34,316 small businesses and even the 1996 economic census data called for the fact 99% of business in our country belong to small industries and households that absorb 59% of workforce, or only 1% of medium and large industries to absorb 41% of workforce . Small industries and households in general have a low typical cirri his access to formal credit institutions. They tend to hang up business financing from its own capital, siblings, relatives, and even sharks. This, the bank's opportunities to improve the distribution of credit. The productivity of small businesses even its existence was revealed in higher and lower risk (sustainable current economic crisis) than the large-scale enterprises. Thus, this time the backbone of a bank glanced and stared saying small entrepreneurs, including micro entrepreneurs. Oh dear no matter how much credit would be given, but just prepare and meet all the requirements of 5 C YA him.