The main source of invesment loan in developing countries like Indonesia generally still be dominated by banking credit. Amount of credit influenced by demand of credit from corporate sectors. A lot of factor influencing demand of credit by corporate sectors, specially UMKM, among other is policy of credit by bank. The policy of credit is consist of the policy about credit, perception on standard operational of credit prosedure and credit services by bank. The formulation of the case in this research is how influence of credit policy consisted of the: policy of credit, perception on standard operational procedure (SOP) of credit, and credit services on demand of credit, and what variable more dominant to influence of demand of credit at PT. Bank Negara Indonesia (Persero) Tbk Sentra Kredit Kecil Medan. The goal of this research is to know the influence of credit policy consisted of the: policy of credit, perception on standard operational procedure (SOP) of credit, and credit services on demand of credit and to know the most dominant variable to influence of demand of credit at PT. Bank Negara Indonesia (Persero) Tbk Sentra Kredit Kecil Medan. Hypothesis in this research is credit policy consisted of the: policy of credit, perception on standard operational procedure (SOP) of credit, and credit services influence to demand of credit at PT. Bank Negara Indonesia (Persero) Tbk Sentra Kredit Kecil Medan. Using credit management theory related to credit elements, principal of credit, demand thepry of money and demand function theory of money. This research using survey approach. The kind of the reseach are quantitative descriptive and explanatory descriptive. Sampling method was used purposive sampling. From population as 350 debitor, taken 187 people as sampel. The technique of collecting data is done with questionnaire and documentary study. The sampel in this research is 187 people. The approaching of this research is sampling survey, with the type of descriptive survey, and the caracter of the research is descriptive explanatory reseach. The variable is measured with Likert scale. The test of hypotesis uses double linear regression analysis trough F and t test intended to know the effect of independent variable on dependent variable in the acceptance level of 95 % (? 0.05). The result of the test with F test shows that the policy of credit had the singnifincantly influences to the demand of credit at PT. Bank Negara Indonesia (Persero) Tbk Sentra Kredit Kecil Medan. Partially, policy of credit non significant influence on demand of credit, but the perception on standard operational procedure (SOP) of credit, and credit services significant influence on demand of credit at PT. Bank Negara Indonesia (Persero) Tbk Sentra Kredit Kecil Medan. Credit services by bank more dominant influence variable to demand of credit at PT. Bank Negara Indonesia (Persero) Tbk Sentra Kredit Kecil Medan. The conclusion of research indicate that credit policy consisted of the: policy of credit, perception on standard operational procedure (SOP) of credit, and credit services have highly significant influence to demand of credit at PT. Bank Negara Indonesia (Persero) Tbk Sentra Kredit Kecil Medan.

09E00105