Sigit Saputro, R. and Pramudena, S.M. 2025. Comparative Analysis of Altman Z-Score, Springate, and Zmijewski Models in Predicting Financial Distress of Retail Sub-Sector Companies Listed on the Indonesia Stock Exchange. The Management Journal of Binaniaga. 10, 02 (Dec. 2025), 147–156. DOI:https://doi.org/10.33062/mjb.v10i02.112.