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In this study will find out the causes of bad credit experienced by PT. Bank Mandiri Jakarta. The purpose of this study is to find out the relationship between marketing aspects, aspects of financial regulation, aspects of funding, technical aspects, and management aspects partially and simultaneously to customers bad credit. The method used is quantitative by using correlation analysis techniques. Based on the results of the study, marketing aspects, financial regulatory aspects, aspects of funds, technical aspects, and management aspects contribute to bad credit. articles to be submitted for publication in print and electronic versions of the journals of MECS Publisher. The abstract should be 160 words at least. Do not use any abbreviation and equations in your abstract