International Journal of Economics Education Research (IJEER)
Journal title International Journal of Economics Education Research(IJEER) Initials IJEER Print ISSN 2747-0156 Print ISSN 2747-0156 Frequency 2 issues per year (October and April) DOI Journal Prefix 10.32493 by Editor in Chief Sulfi Purnamasari, S.Sos., M.M. Publiser Universitas Pamulang Cite Analysys Google Scholar Indexing | email jurnalijeer@gmail.com International Journal of Economics Education Research(IJEER) offers original articles on teaching economics. In its pages, leading scholars evaluate innovations in teaching techniques, materials, and programs. This journal publishes articles of original research and conceptual studies economics teaching and learning. This journal is published by Economics Education Department, Pamulang University(p-ISSN: 2747-0156 SK no. 0005.27470156/K.4/SK.ISSN/2020.12 - 15 Desember 2020) and(e-ISSN: 2747-0156 SK no. 0005.27470156/K.4/SK.ISSN/2020.12 - 15 Desember 2020), PUBLICATION FREQUENCY (October and April). ONLINE SUBMISSTION International Journal of Economics Education Research(IJEER) Focus and scoupe Teacher education and quality; psychology, guidance and counselling relating economics education, Sustainability in education, Supply of education: education quality, measurement and issues, International flows of human capital and brain drain, Incentives, education delivery and outcomes, Economics Education in higher education, Entrepreneurship in education, Economic education and teaching of economics, Distance education, e-learning, blended learning relaiting econimics education, Apprenticeships, training, skills upgrading; implementation, outcomes, Administration and leadership in economics education . All scripts are expected to follow IJEER's guidelines. Authors must provide information (email and telephone number) for the purpose of communicating the development of the article. Manuscripts / articles must be submitted via the online submission system (OJS). Already have Username/Password IJEER? Pilih GO TO LOGIN Need Username/Password? Choice GO TO REGISTRATION Atau BOPEN ONLINE SHIPPING at Online Submission DOWNLOAD AUTHOR GUIDE (AUTHOR) Submission Guide tempalte manuscript Example Manuscript Code of Conduct Statement (Attached during delivery) If there is a problem with the online delivery, please email us jurnalijeer@gmail.com or call 087887568037 (Subject: Name - Online Delivery Issues). International Journal of Economics Education Research(IJEER) indexed on:
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CHALLENGES AND OPPORTUNITIES FOR DEVELOPING SHARIAH ECONOMY IN THE ERA OF DIGITALIZATION IN THE MODERN ERA
The development of digital technology has brought about major transformations in various sectors, including the sharia economy. In the era of digitalization, the sharia economy faces challenges as well as opportunities in creating a fair, inclusive, and sustainable financial system. This study aims to examine the main challenges faced in the development of a digital sharia economy, such as low digital literacy, suboptimal regulations, and tight competition with conventional finance. On the other hand, technological innovations such as sharia fintech, crowdfunding, and blockchain present great opportunities to increase the efficiency and reach of sharia financial services. This study uses a literature study method by analyzing various relevant literature. The results of the study show that collaborative strategies between countries, public education, strengthening digital infrastructure, and policy support are the keys to accelerating the growth of the sharia economy in the digital era. With the right approach, the sharia economy has great potential to make a positive contribution to social and economic welfare globally.
THE ROLE OF SHARIA ECONOMICS IN SUPPORTING RURAL ECONOMIC DEVELOPMENT
Village economic development is an important foundation in efforts to realize community welfare evenly in the country of Indonesia. However, there are still many villages that experience challenges in the form of limited access to finance, low economic literacy, and social inequality. Sharia economy comes as an alternative solution by offering a fair, transparent financial system based on the principles of social justice, sustainability, and social responsibility. This research uses a literature study method with a descriptive qualitative approach to analyze the role of Islamic economics in supporting village economic development. The results show that the application of Islamic financial instruments such as Baitul Maal wat Tamwil (BMT), zakat, infaq, sadaqah, and productive waqf is effective in encouraging the development of MSMEs, increasing economic independence, and strengthening the social capital of rural communities. In addition, the synergy between Islamic financial institutions, the government, and the community is the main key in creating inclusive and sustainable rural development. Thus, the integration of Islamic economics in village development strategies has the ability to accelerate the achievement of sustainable development goals (SDGs) in Indonesia.
Copyright (c) 2026 Hilda Khoirunisa, Hartono, Raden Ai Lutfi Hidayat
CHALLENGES FACING THE ISLAMIC ECONOMIC SYSTEM IN INDONESIA
This study examines the main challenges in implementing the Islamic economic system in Indonesia, particularly in addressing the complexities of a diverse society and the dominance of the conventional economic system. Several identified obstacles include limited public understanding of Islamic economic concepts, regulations that do not yet fully support Islamic principles, a shortage of qualified professionals in the Islamic economic sector, and insufficient innovation in Sharia-compliant financial products. Furthermore, competition with the conventional financial sector and negative public perceptions of Sharia-based products have also hindered the development of the Islamic economy in Indonesia. This study employs a literature review approach and descriptive-analytical analysis to identify applicable strategies, including strengthening Islamic economic education and literacy, adjusting policies to better support Sharia principles, enhancing cooperation between educational institutions and Islamic financial institutions, and promoting innovation in the halal industry and Islamic financial technology sectors. The findings provide a comprehensive understanding of the complexity of the existing challenges and propose strategic solutions to strengthen the Islamic economy as an essential component of inclusive, equitable, and Islamic value-based national economic development.
AN ANALYSIS OF SHARIA ECONOMICS FROM GENERATION Z’S PERSPECTIVE: LACK OF INTEREST OR LOW LITERACY?
Generation Z is a group or generation that grew up in the digital era with wide access to information and economic innovation. However, their interest in the sharia economy is still relatively low, due to the lack of sharia financial literacy, the perception that the sharia economy is less relevant to modern lifestyles, and the lack of attractive promotions for the younger generation. This research aims to identify the main factors that cause Gen Z's low interest and understanding of the Islamic economy, as well as provide solutions that can increase the literacy and attractiveness of Islamic financial products among them. Through a qualitative and quantitative approach, this study will explore how the integration of the Islamic economy in digital platforms, social media, and modern investment trends will be the main focus in the strategy to increase Gen Z participation. government and educators to increase Gen Z's understanding and participation in the sharia economy.
Copyright (c) 2026 Siti Nuryani; Dinda Matofani, Adi Cahyadi
THE ROLE OF SHARIA FINANCING IN EMPOWERING MICRO, SMALL AND MEDIUM ENTERPRISES
Micro, Small, and Medium Enterprises (MSMEs) play an important role in Indonesia’s economy by creating jobs, increasing income, and reducing poverty. However, many MSME actors still face difficulties in accessing fair financing that complies with sharia principles. This study aims to analyze the role of sharia financing in empowering MSMEs from economic, social, and technological perspectives. This research uses a qualitative method with a library research approach. Data were obtained from relevant journals, books, research reports, and official documents and analyzed descriptively. The results show that sharia financing through mudharabah, musyarakah, and murabahah contracts provides MSMEs with access to capital based on Islamic principles. Islamic financial institutions also support MSMEs through business assistance, financial management training, and human resource development. Furthermore, Islamic fintech accelerates financing services, reaches remote areas, and expands financial inclusion. Nevertheless, its implementation faces challenges, including low Islamic financial literacy, limited product innovation, and inadequate digital infrastructure. Therefore, collaboration among the government, Islamic financial institutions, educational institutions, fintech providers, and MSME communities is necessary to develop an inclusive and sustainable sharia financing ecosystem.
Copyright (c) 2026 Dina Maria, Hesti Nasriyah, Raden Ai Lutfi Hidayat
ANALYSIS OF THE IMPACT OF THE UNEMPLOYMENT RATE ON LABOR MARKET DEMAND IN INDONESIA DURING THE 2023–2025 PERIOD
This study aims to analyze the relationship between the unemployment rate and labor market demand in Indonesia during the 2023–2025 period. Unemployment is a structural issue that has a direct impact on economic stability and social welfare. Based on data from Statistics Indonesia (BPS), the labor force increased from 149.38 million people in February 2024 to 153.05 million in February 2025. However, this increase was not accompanied by a decline in the number of unemployed people, which instead rose from 7.20 million to 7.28 million. This study employs a descriptive qualitative approach through a literature review of various scientific sources and official statistics. The findings indicate that the mismatch between workforce skills and industry needs, the dominance of the informal sector, and limited job creation are among the main factors contributing to unemployment. Furthermore, the use of technology, particularly big data, provides strategic opportunities for analyzing employment trends and developing more effective labor market policies. Collaboration among the public sector, private sector, and educational institutions is therefore essential to creating a labor market that is flexible, inclusive, and responsive to global changes.
Copyright (c) 2026 Diana Mardiyani, Amalia Puspita Putri Nugraheni, Anggita Sri Rahayu, Raden Ai Lutfi Hidayat
ANALYSIS OF THE ROLE OF BAZNAS IN THE MANAGEMENT OF ZISWAF AS AN EFFORT TO REALIZE SHARIA ECONOMIC JUSTICE
This study aims to analyze the role of the National Amil Zakat Agency (BAZNAS) in the management of Zakat, Infaq, Alms, and Waqf (ZISWAF) as an instrument to realize sharia economic justice in Indonesia. With a qualitative descriptive approach based on literature studies, this study explores various literature, data, and appropriate practices regarding the contribution of BAZNAS in the economic empowerment of the ummah through productive zakat and productive waqf. The results of the study show that BAZNAS has carried out a strategic function not only in distributing consumptive assistance, but also in encouraging mustahik socio-economic transformation through measurable empowerment programs. Despite showing positive results, the effectiveness of ZISWAF management still faces a number of challenges, such as limited valid mustahik data, weak reporting and evaluation systems, lack of integration between central and regional BAZNAS, and lack of use of information technology. To answer this, strengthening digital-based governance, integrating productive waqf in strategic programs, and improving the quality of human resources are important steps that need to be optimized. With more professional and systematic management, ZISWAF has great potential in encouraging the achievement of equitable economic distribution according to sharia principles
Copyright (c) 2026 Siti neneng kurnia, Sadam Indrazani, Raden Ai Lutfi Hidayat
A COMPARATIVE ANALYSIS OF THE EFFECTS OF INVESTMENT AND INFLATION ON ECONOMIC GROWTH
This study aims to analyze and compare the effects of investment and inflation on Indonesia’s economic growth from 2023 to 2025. Employing a qualitative descriptive approach and a literature review method, the study draws on secondary data obtained from Statistics Indonesia (BPS) and various scholarly sources. The findings indicate that although inflation in Indonesia remained relatively under control during the period, the declining investment trend contributed significantly to the slowdown in economic growth. Investment was found to have a more dominant role than inflation in promoting economic growth by increasing production capacity, creating employment opportunities, and strengthening the economic structure. Therefore, policies that promote a conducive and sustainable investment climate are required while maintaining price stability. This study provides important implications for macroeconomic policymaking, particularly policies aimed at optimizing the role of investment in Indonesia’s national development.
Copyright (c) 2026 tantimarliana123, Ma’roef Mukhlasin, )Mulqiyah, Raden Ai Lutfi Hidayat
THE EFFECTIVENESS OF MSME FINANCING BY SHARIA BANKS IN IMPROVING THE WELFARE OF BUSINESS ACTORS
This study aims to evaluate how effective the financial support obtained from Islamic banks is to Micro, Small, and Medium Enterprises (MSMEs) in improving their standard of living. The background of this study focuses on the important role of MSMEs as the main driver in the country's economy, but still faces a number of challenges, such as difficulties in obtaining capital, lack of knowledge about technology, and limitations in reaching the market. This research uses qualitative descriptive research methods and a literature review approach based on several reference sources including journals, books, and other scientific works. The results of this study show that sharia-based financing, especially through contracts such as murabahah, musyarakah, and mudharabah, has a positive effect on increasing profits, business development, and the welfare of MSMEs. In addition, the sharia approach that prioritizes justice, openness, and blessings provides added value in strengthening the nation's economy. Sharia financing not only provides financial benefits, but also reflects the application of the principles of sharia maqashid which consists of the protection of religion, descent, intellect, soul, and property. Therefore, sharia financing has proven to be effective in supporting the sustainability of MSMEs. However, this success also depends heavily on the correlation between Islamic financial institutions, the government, and business people in creating an environment that supports the development of the Islamic economy in the real sector.
Copyright (c) 2026 Anisa Putri Alifah, Sulis Sulis
LEGAL ANALYSIS OF USURY IN ISLAMIC ECONOMICS ON PAYLATER TRANSACTIONS IN THE KREDIVO APPLICATION
This study aims to analyze the legal aspects of riba in Islamic economics regarding Paylater transactions on the Kredivo app. The background of this research is based on the phenomenon of the widespread use of digital financial services among millennials, particularly online lending apps like Kredivo, which facilitate purchases through installment systems. However, such systems often contain elements of riba that contradict Islamic principles. The research method used is qualitative with a library research approach, examining various literature sources, journals, fatwas, and previous studies. The research findings indicate that Pay Later transactions involving interest, additional fees, or late payment penalties fall under usury and contradict Sharia economic law. The majority of scholars and the MUI fatwa express reservations about such practices if they involve additional charges that are not Sharia-compliant. However, if the transaction is conducted with a clear agreement, without additional fees or interest, and agreed upon from the outset, then it may be permissible. This study concludes that users should be cautious when using PayLater services and should ensure their compliance with Islamic principles, as well as consult with Islamic scholars if there are any doubts.
Copyright (c) 2026 Gunawan Gunawan, Tri Maudina Achmad, Wardah Oktaviani, Iip Nurlatifah, Raden Ai Lutfi Hidayat