W, Evy Steelyana, et al. “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, vol. 4, no. 02, Jan. 2026, pp. 454 – 460, doi:10.58812/esmb.v4i02.870.