This research emphasizes its main contribution in the context of applying Black Box Models in Knowledge-Based Systems. It elaborates on the fundamental limitations of these models in providing internal explanations, leading to non-compliance with prevailing regulations such as GDPR and PDP, as well as user needs, especially in high-risk areas like credit evaluation. Therefore, the use of Explainable Artificial Intelligence (XAI) in such systems becomes highly significant. However, its implementation in the credit granting process in Indonesia is still limited due to evolving regulations. This study aims to demonstrate the development of a knowledge-based credit granting system in Indonesia with local explanations. The development is carried out by utilizing credit data in Indonesia, identifying suitable machine learning models, and implementing user-friendly explanation algorithms. To achieve this goal, the final system s solution is compared using Decision Tree and XGBoost models with LIME, SHAP, and Anchor explanation algorithms. Evaluation criteria include accuracy and feedback from domain experts. The research results indicate that the Decision Tree explanation method outperforms other tested methods. However, this study also faces several challenges, including limited data size due to time constraints on expert data provision and the simplicity of important features, stemming from limitations on expert authorization to share privacy-related data.