Husein Triarso and Harjum Muharam (2025) “Analysis of the influence of financial ratios and the covid-19 pandemic on the financial distress of joint venture life insurance companies in indonesia”, The International Journal of Social Sciences World (TIJOSSW), 7(1), pp. 129–144. Available at: https://www.growingscholar.org/journal/index.php/TIJOSSW/article/view/510 (Accessed: 3 November 2026).