Rahayu, Nur Ellyanawati Esty, and Usmansyah Usmansyah. “Altman Z-Score Model to Analyze Bankruptcy of Islamic Commercial Bank POJK No. 12 POJK.03 2020”. LAA MAISYIR : Jurnal Ekonomi Islam 8, no. 2 (December 12, 2021): 173–191. Accessed June 7, 2025. https://journal.uin-alauddin.ac.id/index.php/lamaisyir/article/view/23097.