Dewi, Ni Made Ayu Puspa, et al. “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, vol. 5, no. 1, Apr. 2026, pp. 31-42, doi:10.36002/jd.v5i1.4431.