Christy, Audilia, Ananda Marshall Abhinaiya, Kanisa Alexandra Ramadhanti, Adiva Putri Saskia, Widyaningrum Widyaningrum, Ayisha Nur Safina, and Evy Steelyana W. 2026. “The Role of ESG in Credit Decision-Making: A Case Study of Bank Negara Indonesia (BNI) Based on Sustainability Reports 2021–2024”. The Eastasouth Management and Business 4 (02):454 -. https://doi.org/10.58812/esmb.v4i02.870.