“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, vol. 2, no. 1, Mar. 2026, pp. 1-19, https://doi.org/10.14421/aawvdy46.