Deanoviana Galuh Ramadhani, et al. “Detection of Fraud and Bankruptcy Using The Beneish M-Score and Altman Z-Score Models (Case Study on PT Envy Technologies Indonesia Tbk for the Period 2019–2024)”. JBS Nexus, vol. 2, no. 2, Dec. 2025, pp. 78-95, https://penerbit.uthm.edu.my/ojs/index.php/jbsnexus/article/view/23256.