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Bank bad loans lately often occur and many causes that influence it. Increasing and decreasing BDR & NPL at a bank can be influenced by various factors. In this research, the factors that are suspected to influence the level of BDR & NPL are caused by internal factors of customers in managing their loan funds towards the management of their businesses. Disasters for customers or for customers' business activities, declining economic activities and high lending rates are aspects that cannot be managed by customers. Credit Management is credit management carried out by banks including planning, organizing, implementing, and supervising in such a way that the credit runs well in accordance with the agreement between the bank and the debtor. The bank comes from the Italian Language Banco which means bench. This bench is used by bankers to serve their operational activities to customers, then this term has changed to become a popular and official bank. According to Act Number 7 of 1992 concerning Banking as amended by Act Number 10 of 1998, the Bank is a business entity that collects funds in the form of deposits and distributes them to the public in the form of credit and or other forms, in order to increase the standard of living of many people. According to the Law of the Republic of Indonesia Article 5 Number 10 of 1998, there are two types of banks which are divided into Commercial Banks and Credit Banks. Commercial Banks here are banks that carry out business activities conventionally and or based on sharia principles which in their activities provide services in payment traffic. In this study, researchers only examined aspects that could be controlled by customers, such as aspects of marketing, aspects of financial regulation, aspects of funds, technical aspects and management aspects of their contribution to BDR and Bank Mandiri's NPL The effect of marketing aspects on bad credit can be seen from the T Test, amounting to -5,297 and T table 0.236. The effect of financial regulation aspects on bad credit can be seen from the T test, amounting to 5,173 and T table 0.236. The influence of the aspect of funds on bad loans can be seen from the T test, amounting to -3.698 and T table 0.236. The influence of technical aspects on bad credit can be seen from the T test, amounting to 2,094 and T table 0.236. The effect of management aspects on bad loans can be seen from the T test of 2,308 and T table 0.236. The simultaneous influence of marketing aspects, financial regulation aspects, financial aspects, technical aspects and management aspects of bad credit can be seen from the results of the F test in which the F count is 14.506 and F count is greater than F table.

Relationship of Marketing Aspects: Financial, Funds, Technical, and Management on Cut Credits in Bank Mandiri in Jakarta