THE EFFECT OF GREEN BANKING AND CREDIT RATIOS ON RETURN ON EQUITY IN INDONESIAN BANKING SECTOR (2022-2024). Proceeding of International Conference on Economics, Technology, Management, Accounting, Education, and Social Science (ICETEA), [S. l.], v. 2, p. 1063–1074, 2026. Disponível em: https://conference.unita.ac.id/index.php/icetea/article/view/849. Acesso em: 11 oct. 2026.