Credit is the provision of money or bills that might be equated to it, by agreement or loan agreement between a bank and another party that obliges the borrower to pay off their debt after a definite time with interest. In Batam City, the processing time is relatively long, particularly in the process of acquiring a license for transfer of rights (IPH) which explicitly transfers and/or transfers of ownership of reliable collateral objects necessity concern the approval of the Batam Business Entity (BP), because all certificates of ownership of land in Batam city is under the Right to Manage Land, so that the certificates issued as a whole become the Certificate of Land Use Rights (SHGB), this is the problem in handling "Roya”, checking certificates and turning the name on National Land Agency tends to be approximately long. For this reason, it is anticipated that a well-coordinated collaboration between these institutions is to complete the transfer of ownership objects which are yet the responsibility of other debtors.