The purpose of this study was to determine the character, capacity, capital, collateral, and condition of economy, UEK-SP loan borrowers Air Jamban Village Mandau District, Bengkalis Regency.The population in this study were all bad credit customers the UEK-SP program in Air Jamban Village, Mandau District, Bengkalis Regency, which amounted to 966 customers. Sampling is done using the Slovin me…