If credit growth goes down continuously and is not controlled, banking will enter the credit crisis. If this condition lasts long, it will increase the interest rate, reduce investment and increase unemployment. For banks, more difficult to provide credit, increasing bad loans and reducing banking performance. Whereas for companies that conditions will make it difficult to obtain financing and make an expansion. This phenomenon of a decline in credit growth has occurred in Indonesia in the period of 2012-2016. To overcome the problem above this book provides a solution through the Blue Economy approach and multivariate analysis to enable sustainable credit growth. This book provides a different solution to conventional approaches. Learning from the Indonesian case, this book explains how to determine the banking of a country experiencing a credit crisis?. What causes it?. What are the managerial implications?. What should be done by the Central Bank, Financial Services Authority, banks, and companies to overcome this problem?. Therefore, this book is useful as a reference so it must be owned by students, bankers and anyone who wants to improve the ability to analyze banking.