“Estimating Expected Default Probability and Credit Risk Spread Using the KMV Merton Model: A Case Study of Bank Islam Malaysia Berhad”. Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah 9, no. 1 (January 31, 2025): 93–105. Accessed October 4, 2026. https://ejournal.uniramalang.ac.id/jihbiz/article/view/6373.