Fithria, Annisa, and Surya Darma. “ESG and Credit Risk: Evidence from Indonesian and Malaysian Banks”. Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit 11, no. 2 (August 28, 2024): 193–205. Accessed December 5, 2025. http://journal2.uad.ac.id/index.php/reksa/article/view/11252.