Mahendra, Bhima, and Indra Siswanti. “The Effect of ESG, Operational Capacity, Claim Ratio, and Liquidity on Financial Distress of Insurance Companies Moderated by Risk-Based Capital”. International Journal of Social and Management Studies 6, no. 5 (September 2, 2025): 12–18. Accessed October 24, 2025. https://www.ijosmas.org/index.php/ijosmas/article/view/523.