This study aimed to identify the weaknesses of the provision of subsidized KPR BTN exist in PT. State Savings Bank (Persero) Tbk, Kediri Branch. This type of research in this study was descriptive. Analysis of the data is made by analyzing the systems and procedures that are applied Subsidized KPR BTN BTN branch in Kediri start the loan application procedure until the credit monitoring process. The data analysis was also done on the loans based on credit management control aspects. This research produced there are systems and procedures applied Subsidized KPR BTN BTN kediri branches still have a position in which the duties and functions of many operated by parts Loan Service (LS). Then to duplicate an existing document in the procedures for granting subsidized KPR BTN yet their second interview procedures that should be in theory, and the document is lacking in the trap, and have not applied appraiser Appraisal Company as collateral. Suggestions to this research is the time the loan application should be personally competent LS assisted by Loan Service Officer (LSO) in carrying out the duties and responsibilities of granting subsidized KPR BTN. Another suggestion is, the interview procedure conducted two (2) phases to better know the seriousness of the prospective borrower in applying for a loan.