Model Analisis Prediksi Kebangkrutan Bank Umum Syariah Dan Bank Umum Konvensional Menggunakan Model Altman Z-Score, Springate Dan Zmijewski Perspektif Ekonomi Islam: Bankruptcy Prediction Analysis Model for Islamic Commercial Banks and Conventional Commercial Banks Using the Altman Z-Score, Springate, and Zmijewski Models: An Islamic Economic Perspective. JKUBS 2026, 5 (3), 456-477. https://doi.org/10.24260/jkubs.v5i3.7007.