Evan Stiawan, R. Arisandi, R. Lestari, and E. Efriani. “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), Vol. 7, no. 3, Oct. 2026, pp. 505-17, doi:10.62159/sembj.v7i3.2492.