Evan Stiawan, Arisandi, R., Lestari, R., & Efriani, E. (2026). Reformulating the Management of Initial Hajj Deposit Funds in Indonesia: From the Wadiah Scheme to Islamic Capital Market Investments. Sharia Economic and Management Business Journal (SEMBJ), 7(3), 505-517. https://doi.org/10.62159/sembj.v7i3.2492