“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” (2026) Jurnal Keuangan dan Perbankan Syariah, 5(3), pp. 456–477. doi:10.24260/jkubs.v5i3.7007.