Nopita Sari and Nur Musyahadah 2026. INNOVATIVE HAJJ FUND MANAGEMENT TO SUPPORT COST EFFICIENCY THROUGH SEA TRANSPORTATION: A GOVERNANCE STRENGTHENING AND FINANCIAL SUSTAINABILITY MODEL BASED ON DIGITALIZATION. Asian Journal of Islamic Economic Studies. 3, 1 (Apr. 2026), 74–87. DOI:https://doi.org/10.32939/aicos.v3i1.6102.