Marjohan, Masno. “Analysis of Financial Difficulties in Financial Management With Altman Z-Score, Zmijewski, and Springate Models in Small Textile and Apparel Companies Listed on the Indonesia Stock Exchange”. Accounting and Management Journal 8, no. 2 (January 13, 2025): 16–27. Accessed August 7, 2026. https://journal2.unusa.ac.id/index.php/AMJ/article/view/6372.