This study examines the effect of productive credit, consumptive credit, and the effective employment ratio on economic growth in Indonesia. The data used is time series data in the form of the quarter 2001Q2 – 2021Q4, and the ARCH (Autoregressive Conditional Heteroskedasticity) method is used to estimate the model in this study. The estimation results show that the consumptive credit variable and the effective labor ratio influence economic growth, while productive credit does not. It is hoped that the government can increase the allocation of credit, especially consumer credit in Indonesia, so that this credit can increase economic growth in Indonesia and also for practitioners in banking to evaluate the use of credit so that it is right on target so that this credit can optimize economic growth in Indonesia.