“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”. Jurnal Keuangan dan Perbankan Syariah 5, no. 3 (October 17, 2026): 456–477. Accessed October 24, 2026. https://e-journal.iainptk.ac.id/index.php/jkubs/article/view/7007.