C Credit agreements and all business activities of banking financial services institutions must apply the prudential principle in carrying out their business. the problem in this study is whether the process of granting credit by pt. bank perkreditan rakyat puskopat palembang to debtors in decision number 90/pdt.g/2021/pn plg is in accordance with regulations in the banking sector or not, and how the application of the prudential principle related to the 5cs in providing credit facilities by pt. bank perkreditan rakyat puskopat palembang to debtors. the type of research used by the author is normative legal research. the nature of the research used is descriptive. the data used is secondary data obtained through literature studies supported by primary legal materials. this research was analyzed qualitatively. the method of drawing conclusions uses the deductive method. pt. bpr puskopat palembang does not have a bank credit policy in the distribution of funds and bank products which indicates a deviation in implementing the provisions of pojk no. 42/pojk.03/2017 concerning the obligation to prepare and implement bank credit or financing policies for commercial banks. furthermore, the granting of credit by pt. bpr puskopat palembang to husnawati in case number 90/pdt.g/2021/pn plg demonstrates that the application of prudence related to the 5c analysis was not carried out, with the bank failing to analyze the character, capacity, capital, collateral, and economic condition of the debtor. the credit was disbursed without a valid mortgage binding and without an accurate collateral survey.