Dewi, N. M. A. P., Trimurti, C. P., & Patni, N. L. P. S. S. (2026). The Effect of Fractional Reserve Banking on the Risk of Failure in State-Owned Conventional and Sharia Banks in Indonesia 2021-2024. JAKADARA: JURNAL EKONOMIKA, BISNIS, DAN HUMANIORA, 5(1), 31–42. https://doi.org/10.36002/jd.v5i1.4431