2026. THE ROLE OF STATE-OWNED AND REGIONAL DEVELOPMENT BANKS IN PROMOTING SUSTAINABLE DEVELOPMENT: EVIDENCE FROM INDONESIA’S INDUSTRIAL AND NON-INDUSTRIAL FINANCING SECTORS. JABE (Journal of Applied Business and Economic). 12, 3 (Mar. 2026), 121–137. DOI:https://doi.org/10.30998/jabe.v12i3.3793.