DETERMINANTS OF THE Z-SCORE MODEL IN PREDICTING FINANCIAL DISTRESS USING THE RGEC COMPONENT (EMPIRICAL STUDY OF ISLAMIC COMMERCIAL BANKS IN INDONESIA FROM 2012 TO 2023). Journal of Islamic Banking: Student Insight, [S. l.], v. 2, n. 1, p. 1–19, 2026. DOI: 10.14421/aawvdy46. Disponível em: https://ejournal.uin-suka.ac.id/febi/jibsi/article/view/3028. Acesso em: 24 jun. 2026.