This study aims to analyze the factors that determine credit in Indonesian banking. We examine the effect of Non-Performing Loan (NPL), Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), and Loan to Deposit Ratio (LDR) on green credit rasio. Using secondary data obtained from the financial reports of banks listed on the Indonesia Stock Exchange (IDX) for the 2018–2023 period, and panel …