SugandiD.S. and GantyowatiE. 2024. Enhancing Financial Resilliance: a Study of Financial Ratios to Predict Financial Distress in Indonesian Life Insurance Firms During Covid-19 Era . Jurnal Aplikasi Bisnis dan Manajemen (JABM). 10, 1 (Jan. 2024), 22. DOI:https://doi.org/10.17358/jabm.10.1.22.