This research aims (1) to analyze the completion of bad debt through the contribution of Foreclosed Collaterals (AYDA) and action of Write Off on BPR Buduran Delta Purnama Sidoarjo, (2) to identify the factors that cause the implementation of AYDA and action of Write Off on bad debts at BPR Buduran Purnama Delta Sidoarjo, this research uses approach of method mix or quantitative and qualitative approaches. The quantitative approach by using ratio data, namely, nominative credit / overdue loans / bad credit and credit collectibility for analyzing the completion of bad credits through the contribution of AYDA and action of Write off at BPR Buduran Purnama Delta Sidoarjo as the research purposes. The interpretive qualitative approach to identify the factors that cause the implementation of AYDA and the action of Write off and knowing action plan of completion of bad credit through the contribution of AYDA and action of Write Off on BPR Buduran Purnama Delta Sidoarjo. The key informants in this research are the Managing Director and Director of Compliance, Manager, Credit Admin, Supervisor, Account Officer, Remedial, and Customer of BPR Buduran Purnama Delta Sidoarjo. Data collection techniques uses primary data, secondary, in depth interviews, Focus Group Discussion (FGD). The data analyzed by using the data collection, data reduction, display data and conclusion. The results obtained in this research are the completion of bad credit through the contribution of AYDA amounted to 58.23% of bad credits amounted to 921. 428.450. AYDA and action of Write Off on effect of reducing NPL amounted to 1.27% (5.65% to 4.38%) on BPR Buduran Purnama Delta Sidoarjo. Debtors identified broken promises, uncooperative, loss of job, loss of ability to pay, the Debtor dies, debtor declared bankrupt by the District Court is a cause of the implementation of AYDA and the action of Write Off and do report of action plan in the process of settlement of bad debts.