DEWI, Ni Made Ayu Puspa; TRIMURTI, Christimulia Purnama; PATNI, Ni Luh Putu Suarmi Sri. 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, [S. l.], v. 5, n. 1, p. 31–42, 2026. DOI: 10.36002/jd.v5i1.4431. Disponível em: https://jurnal.undhirabali.ac.id/index.php/jakadara/article/view/4431. Acesso em: 25 jun. 2026.