Evan Stiawan, Reza Arisandi, Rizki Lestari, and Enny Efriani. 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), 505-17. https://doi.org/10.62159/sembj.v7i3.2492.