NOPITA SARI; NUR MUSYAHADAH. 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, [S. l.], v. 3, n. 1, p. 74–87, 2026. DOI: 10.32939/aicos.v3i1.6102. Disponível em: https://ejournal.iainkerinci.ac.id/index.php/acs/article/view/6102. Acesso em: 2 apr. 2026.