“Analisis Time Value of Money Terhadap Ekosistem Ekonomi Biaya Penyelenggaraan Ibadah Haji Indonesia”. International Journal Of Social Issues and Multidisiplinary Studies 2, no. 1 (January 15, 2026): 270–281. Accessed February 4, 2026. https://ejournal.yaydi.com/index.php/ijosim/article/view/161.