<p><em>This study aims to determine the effect of risk management and internal audit implementation on credit policy implementation at the Main Branch Office (KCU) of Bank Jabar Banten in Bandung. Purposive Sampling was used in this study. Researchers distributed questionnaires to 45 respondents according to the sample criteria. The validity and reliability of the questionnaire were tested, then the classical assumptions prerequisite test was carried out. The data analysis used was multiple regression analysis techniques, t test and F test. The results showed that: There is a significant effect of the application of risk management on credit policy, however, there is no significant effect of the implementation of internal audit on credit policy. Simultaneously, there is an effect of the application of risk management and internal audit on credit policy.</em></p>
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