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Haryanto, Sugeng, This research explained the ability and the credit use in home made business namely tempe crispy chips. The sample of this research was home made business in Tugu sub district, Trenggalek regency that made tempe crispy chips. Credit for business was a factor which had a very important role in supporting the increase of a business. Credit giving was an injection hoped to create capital for people economy activity and to increase production. This research intended to 1) know the ability of home made industry in taking credit from micro finance unit, and 2) know the credit used by home made industry in increasing the business. Home made industry had an ability to take credit from a bank. They all had accepted credit from local government distributed through BPR (people Credit Bank) namely credit program. Credit use was not only used for increasing business but also for fulfilling other household needs., Indonesia