Amini, Zahra, Fatimah Fatimah, and Choiriyah Choiriyah. 2026. “Bankruptcy Prediction of Textile and Garment Sector Companies Using Altman Z-Score, Springate, and Zmijewski”. International Journal of Marketing & Human Resource Research 7 (3):1152 -65. https://doi.org/10.47747/ijmhrr.v7i3.3674.