This research aims to examine: (1) the effect of character on Non-Performing Loan, (2) the effect of economic conditions on Non-performing Loan, (3) the effect of capacity on Non-Performing Loan, (4) the effect of collateral on Non-Performing Loan, (5) the effect of interest rates on Non-Performing Loan in the Village Economy Business Savings and Loans (UED-SP) at Bangkinang Sub-district, Kamp…