The distribution of working capital credits could not avoid of occurrence of the loans npls. The purpose of this research is to know control management the provision of credit working capital and for granting working capital credit on PT. Bank Tabungan Negara (Persero) Tbk. Kediri in anticipation of the loan defaults. This research using methods descriptive. This study focused on management control the credit working capital at the time of application process, process analyst, on withdrawals and at monitoring, management the provision of credit within an effort to anticipate of loan defaults. The result of research indicated that control management the provision of credit working capital has been good enough, but still there is a shortage of and weakness may result in the occurrence of loan defaults. There are copies the job done by Relationship Manajement, Internal audit bank still held once in a year. PT. Bank Tabungan Negara (Persero) Tbk. Kediri should there is a devision of labor between Relationship Manajement and Analyst Credit more indivisible, and supervisiory duty loans on a diredt and indirect not charged to Relationship Management, but also eith a role Unit Transaction.