Basharat khan, Sarmad Ejaz, and Dr. Qudsia Arshad, “THE IMPACT OF SUSTAINABLE FINANCE PRODUCTS ON BANK LENDING PRACTICES: THE MEDIATING ROLE OF ESG INTEGRATION AND MODERATING EFFECT OF REGULATORY POLICIES IN EMERGING MARKETS”, JMSRR, vol. 4, no. 3, pp. 1728–1749, Sep. 2025.