Christy, Audilia, Ananda Marshall Abhinaiya, Kanisa Alexandra Ramadhanti, Adiva Putri Saskia, Widyaningrum Widyaningrum, Ayisha Nur Safina, and Evy Steelyana W. “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, no. 02 (January 31, 2026): 454 –. Accessed February 1, 2026. https://esj.eastasouth-institute.com/index.php/esmb/article/view/870.