Purpose — The People's Business Credit aims to increase access to financing for Small and Medium Enterprises to financial institutions with a guaranteed pattern through the People's Business Credit. People's Business Credit Guarantee is provided to increase access for Micro, Small, and Medium Enterprises to sources of financing to encourage national economic growth. Mandiri Bank is one of the State-Owned Enterprises established to assist Micro, Small, and Medium Enterprises in realizing business and maintaining business continuity. Design/methodology/approach — The research method used is a qualitative method through a case study approach to determine whether the distribution of People's Business Credit can improve the welfare of Micro, Small, and Medium Enterprises. Findings —The results showed that with the program from the government through the distribution of People's Business Credit which was channelled through Mandiri Bank of Wamena at Sinakma Market in the welfare of Micro, Small, and Medium Enterprises. Practical implications — This research implication are used for the business sector, to be used as input for Mandiri Bank in distributing People's Business Credit, and namely for the development of Micro, Small and Medium Enterprises in Wamena City and as input for the government, namely Mandiri Bank of Wamena at Sinakma Market, so that the target can be achieved. Originality/value — This paper presents several things that impact the distribution of People's Business Credit to Micro, Small, and Medium Enterprises. It is hoped that this case will help prove that the People's Business Credit can prosper the perpetrators of Micro, Small, and Medium Enterprises. Keywords — People's Business Credit, Micro, Small, and Medium Enterprises. Paper type — Case study