ABSTRACT This study aims to determine the effect of character, capacity, capital, collateral, condition of economy and the ability to manage credit against bad credit in the Village Economy Savings and Loans (UED-SP) in Gunung Sahilan Sub-District, Kampar Regency. The population in this study were all bad credit customers at UED SP in Gunung Sahilan Subdistrict, Kampar Regency, totaling 28…