Martini, Rita, Rana Raihana Aksara, Kartika Rachma Sari, Zulkifli Zulkifli, and Sukmini Hartati. “Comparison of Financial Distress Predictions With Altman, Springate, Zmijewski, and Grover Models”. Golden Ratio of Finance Management 3, no. 1 (March 31, 2023): 11–21. Accessed October 1, 2026. https://goldenratio.id/index.php/grfm/article/view/216.