The purpose of this research is to study the causes and reduce the problem of Non-Performing Loan (NPL) of overdraft loan (OD) in the natural person category of individual of the bank for Agriculture and Agricultural Cooperatives Head office. The samples used in the study were 30 administrators and credit analysis staff, divided into 10 executives and 20 credit analysis staff. Selected by accidental sampling Tools used in the study were structured interview forms then analyzed using a fishbone diagram for primary and secondary causes of problems. Then take the cause classified by 7’s McKinsey's Theory and use the guidelines for reducing the problems from the executive interviews to classify and create inductive conclusions In order to get the alternative guidelines proposed with a reason.
            The findings of this study were as follows:
            1. The causes of non-performing loans (NPL) of overdraft loans (OD) in the category of individual can be summarized as follows:   
                 1.1 The bank sets key performance indicator (KPI) for branch loans nationwide. Causing employees to focus on credit payments regardless of customer quality.                           
                 1.2 The customers misuse the loans.
                 1.3 The credit officers do not have expertise in credit analysis.
                 1.4 The credit officers do not monitor or control the loans using after approvals.
                 1.5 The bank does not have the overdue warning tools or system.
                 1.6 Economic conditions do not match the customer’ expecting.
            2. Guidelines for reducing non-performing loan (NPL) of overdraft loan (OD) in the natural person category of individual of the bank for Agriculture and Agricultural Cooperatives Head office is providing training on knowledge of overdraft payment (OD) for credit analysis staff and employees can use credit analysis tools to match the type of business and customer credit needs and develop credit analysis skills to be more effective.