Anggara, Windu, Saparuddin Siregar, and Kamilah K. “Shariah-Integrated Early Warning Framework for Financial Distress in Indonesian Islamic Banks”. Jurnal Ilmiah Akuntansi Kesatuan 13, no. 4 (August 30, 2025): 1027–1036. Accessed June 8, 2026. https://jurnal.ibik.ac.id/index.php/jiakes/article/view/3868.