B Banking plays a role as one of the main supporters of economic growth. One of the banking products is the People\\\'s Business Credit (KUR), where Managiah Catering, an MSME in the culinary field, is one of the recipients of KUR distributed by BRI. The problem of this thesis is how the implementation of the distribution of People\\\'s Business Credit (KUR) to Managiah Catering at the BRI Bank Pondok Labu branch in South Jakarta, and what obstacles Managiah Catering faces in the People\\\'s Business Credit agreement with the BRI Bank Pondok Labu branch in South Jakarta. The research method used is normative research with a descriptive nature. The research uses secondary data supported by primary data in the form of interview results. The analysis was conducted qualitatively, and conclusions were drawn using the deductive method. The disbursement of Micro KUR to Managiah Catering by Bank BRI Pondok Labu Branch meets the valid agreement requirements, credit arrangements, and Micro KUR arrangements. However, there was a refusal to perform a credit top-up on the grounds that the ongoing loan must be settled first, even though Article 24 paragraph (1) of Permenko No. 1 of 2023 allows for a credit top-up. The refusal to top-up the credit by Bank BRI it is not in accordance with the principle of legal certainty and Article 24 paragraph (1) of Permenko No. 1 of 2023, thereby not fulfilling the rights of Managiah Catering as a debtor.