Shair, Hadher Sabah, et al. “Measuring and Analyzing the Level of Financial Stability through The( 3Z-Score)model An Analytical Study of a Number of Islamic Banks for the Period (2020-2024)”. Al-Ghary Journal of Economic and Administrative Sciences, vol. 21, no. 4, Dec. 2025, pp. 1198-17, https://doi.org/10.36325/ghjec.v21i4.22500.