This study analyzes the impact of banking credit on economic growth and its relationship with community welfare. Using secondary quantitative time series data, the research finds that working capital credit, investment credit, and consumption credit all have positive and significant effects on economic growth. An increase in these credit types leads to higher economic growth, which in turn promotes social welfare. The study also highlights the role of banking in economic development, emphasizing the importance of credit in facilitating business activities and economic growth. The findings suggest that credit perbankan is a key driver of economic growth and social prosperity, with each type of credit contributing uniquely to economic development. The study concludes that increasing credit availability can enhance economic growth and improve community welfare.This study analyzes the impact of banking credit on economic growth and its relationship with community welfare. Using secondary quantitative time series data, the research finds that working capital credit, investment credit, and consumption credit all have positive and significant effects on economic growth. An increase in these credit types leads to higher economic growth, which in turn promotes social welfare. The study also highlights the role of banking in economic development, emphasizing the importance of credit in facilitating business activities and economic growth. The findings suggest that credit perbankan is a key driver of economic growth and social prosperity, with each type of credit contributing uniquely to economic development. The study concludes that increasing credit availability can enhance economic growth and improve community welfare.