Abstrak
This research aims to determine and analyze the productivity and effectiveness of investment credits in the formation of the Gross Regional Domestic Product (GRDP) of North Kalimantan Province. This research was conducted using a descriptive quantitative approach with secondary data from publications of Bank Indonesia (BI) and the Central Bureau of Statistics (BPS) of North Kalimantan. The research used a time series data from 2017 to 2022. Incremental Capital Output Ratio analysis tool was employed in this study. The results of this study show that the sector with the highest productivity was the Sector of Government Administration, Defense and Compulsory Social Security with an average of Rp 20,743 and the lowest productivity was the Other Service Sector with an average of Rp. 0. Then, based on the effectiveness analysis, the most effective sector was the Sector of Government Administration, Defense and Compulsory Social Security with an average of Rp. 1 and the least effective sector was the Other Service Sector with an average of Rp. 16.910. Based on the results of productivity and effectiveness mapping, the sector classified as productive and effective has been the Sector of Government Administration, Defense and Compulsory Social Security for tha past 6 years and the ineffective and non-productive sector has been the Other Service Sector Based on the investment needs projection analysis in scenario I with a growth target of 4%, an investment of Rp. 8.2 trillion was required. Then, in scenario II with a growth target of 5%, an investment of Rp. 11 trillion was required. Then, in scenario III with a growth target of 10%, an investment of Rp. 32.5 trillion was required.