BPR Surya Artha Utama is the institution that provides the credit funds for the community. BPR Surya Artha Utama have banking activities that serve the community to provide savings account, fixed deposit or credit. Based on NPL (Non-Performing Loan) on 2012 until the year 2014, indicates that there is a problematic credit in PT BPR Surya Artha Home was considered effective, although NPL each year increase but still below the criteria effectiveness, namely NPL ≤5%. If credit problems can be addressed and prevented the profitability of the bank can be increased. The purpose of this research is to know the prfitabilitas and credit policies that applied by BPR Surya Artha Utama. This research is a descriptive quantitative research. The results of this research showed that the credit policies that applied by BPR Surya Artha Utama can say effective because they have been implementing the principles of prudence of the organization and management of the credit markets, wisdom credit approval, documentation and credit administration, credit supervision and problematic credit settlement in the period 2012-2014.