In the implementation of the Pecredit agreement with fiduciary guarantees in the form of livestock in Cirebon Regency, it is a credit that contains a higher risk when compared to fiduciary guarantees with objects not with farm animals. Therefore, the bank applies the principle of prudence, to find out the problems related to the implementation of the credit agreement with the fiduciary guarantee of the farm animal, and the hu kum consequences of the impacts that arise when the farm animals die, theft, and the economic impact of the covid-19 pandemic. In connection with the above, the author conducted research with the formulation of the problem, how is the mechanism of credit agreements using fiduciary guarantees in the form of livestock and how efforts made by bpr when there is a default on the impact of dead, lost livestock, and the impact of the Covid19 pandemic on the economy. The research conducted uses a normative juridical approach method with primary data in the form of laws and regulations related to the problem under study, in addition to that primary data is equipped with data secondary which is contained in literature data such as civil law books, binding law, credit agreement law, banking law, guarantee law, and other legal journals relating to the issue under study. The results of the study, it can be concluded that the implementation of the Credit Assessment with fiduciary guarantees in the form of livestock in bpr is carried out in 10 (ten) stages, namely the bank analyzes credit, assesses credit collateral, issuing a letter of credit approval, the stage of making a credit agreement, registration of the binding of credit guarantees to a notary, the stage of encumbrance of fiduciary guarantees. Meanwhile, the efforts made by BPR in the event of a credit default, credit restructuring will be carried out in accordance with the remaining debts owed by debtors and debtors as the fiduciary provider is obliged to replace the object of the fiduciary guarantee with another object of collateral belonging to the debtor, which corresponds to the economic value or the rest of the debt, which will be restructured credit . In the event that the farm animal dies, loses, and is forcibly slaughtered, the BPR will claim farm animal insurance which is the object of the fiduciary guarantee.