Oktaviani, Nadia, and Yolandafitri Zulvia. “The Effect of Profitability, Sales Growth, and Leverage on Financial Distress in Indonesian Retail Companies”. Golden Ratio of Finance Management 6, no. 1 (November 30, 2025): 56–70. Accessed August 10, 2026. https://goldenratio.id/index.php/grfm/article/view/1587.