Activity of bank fundamental after mustering fund is channel fund. Activity channel this fund realized in the form of giving of credit. For client having fixed income, credit which named by given is Credit Guna Bhakti which can be got from PT BANK JABAR. Applied by Method is writer in this writing of end duty report is by using descriptive method. Temporary technique in done by data collecting is writer is by using technique in field study that is in the form of interview and observation and also bibliography study. The purpose of this research is to know how the PT BANK JABAR ,branch of Sumedang unit, run the operational activity in their companies. At the base execution of activity of credit at Usage credit job unit Bhakti in PT BANK JABAR branch of Sumedang in the effort increasing speed of development of area, have pursuant to applied at the bank. The mentioned seen from existence of increase of liquefaction of Usage credit Bhakti which because of progressively the many amount of clients which require fund with level of low rate of interests. The writer find several problems in the process of Guna Bhakti loan that give by the team work of loan unit in PT BANK JABAR branch of Sumedang, such as: the installation of the customer administrative. Often, the customer doesn’t fill the requirement form of the loan process completely. Actually, the problem which is appearing has not really significant, but it would be make the process of giving the loan to the customer difficult. Basically every company always have a problems, it could be handle by the appropriate analyzing of the problems which is happened to them.