Rahayu, Nur Ellyanawati Esty, Hadri Kusuma, and Zaenal Arifin. “Trends and Determinants of Financial Distress: Evidence from Two-Decade Studies”. Jurnal Minds: Manajemen Ide dan Inspirasi 12, no. 2 (September 28, 2025): 523–536. Accessed September 30, 2025. https://journal.uin-alauddin.ac.id/index.php/minds/article/view/56739.