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Micro, Small, and Medium Enterprises (MSMEs) play an important role in supporting economic growth and income distribution in society. However, limited access to financing remains a major obstacle for MSMEs. To address this issue, the government launched the People’s Business Credit (Kredit Usaha Rakyat/KUR) program, which is distributed through banking institutions, including Bank Nagari Steba Branch. In its implementation, banks are required to apply the prudential banking principle through proper credit feasibility analysis to minimize the risk of non-performing loans. This study aims to determine the procedures for granting People’s Business Credit (KUR), analyze the implementation of credit feasibility analysis based on the 5C principles (Character, Capacity, Capital, Collateral, and Condition of Economy), and evaluate its conformity with prudential banking principles at Bank Nagari Steba Branch. The research method used is a descriptive qualitative approach, with data collection techniques including interviews, observations, and documentation studies. The results indicate that the procedures for granting People’s Business Credit (KUR) at Bank Nagari Steba Branch have been implemented in accordance with applicable regulations. Credit feasibility analysis is carried out by applying the 5C principles as
the basis for assessing prospective debtors. Therefore, it can be concluded that the implementation of credit feasibility analysis for People’s Business Credit (KUR) at Bank Nagari Steba Branch is in line with prudential banking principles.

People’s Business Credit, Credit Feasibility Analysis, 5C Principle, Banking.