Husein Triarso, and Harjum Muharam. “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), vol. 7, no. 1, May 2025, pp. 129-44, https://www.growingscholar.org/journal/index.php/TIJOSSW/article/view/510.