Saratian, E.T.P. and Irfan, M. 2024. Fractional Reserve Banking System and Money Multiplier Effect: A Proposed Scheme from Sharia Banking. International Journal of Integrative Sciences. 3, 12 (Dec. 2024), 1529–1542. DOI:https://doi.org/10.55927/ijis.v3i12.12938.