TY - THES N1 - Rosyid Nur Anggara Putra, S.Pd., M.Si. ID - digilib72077 UR - https://digilib.uin-suka.ac.id/id/eprint/72077/ A1 - Zakira Amelia Rizki, NIM.: 21108020057 Y1 - 2025/06/11/ N2 - This study aims to determine the effect of the RGEC component which is proxied by the variables NPF, FDR, GCG, ROA and CAR on Financial Distress of Islamic Commercial Banks for the period 2012-2023 using the Z score method. The type of data used is quantitative data collected by purposive sampling technique with data regression analysis method balanced panel data, classical assumption test, T test, and F test. The samples in this study were 7 samples of Islamic Commercial Banks in Indonesia for the period 2012 - 2023 with the acquisition of 84 data. The results of this study indicate that simultaneously all independent variables affect financial distress. While partially obtained the results of CAR variables have a significant positive effect on financial distress, GCG variables have a significant negative effect on financial distress while NPF, FDR and ROA variables have no effect on financial distress. PB - UIN SUNAN KALIJAGA YOGYAKARTA KW - Financial Distress KW - RGEC KW - Z score M1 - skripsi TI - DETERMINAN MODEL Z-SCORE DALAM MEMPREDIKSI FINANCIAL DISTRESS DENGAN KOMPONEN RGEC (STUDI EMPIRIS BANK UMUM SYARIAH DI INDONESIA TAHUN 2012-2023) AV - restricted EP - 189 ER -