Septiani, S., Nurbaiti, B., Ningrum, E. P., Nuryati, T., & Yulaeli, T. (2025). Empirical Study on the Effect of Financial Distress, Audit Delay, and Audit Opinion on Auditor Switching in Indonesia’s Financial Sector. Karya Ilmiah Mahasiswa, 1(1), 8–14. https://doi.org/10.31598/karma.v1i1.1821