Readiness of the Islamic Economics Education Ecosystem in the Sharia Central Bank Digital Currency (CBDC) Era

Sarwono (Institut Islam Al-Mujaddid Sabak)
Erwina Kartika Devi (Institut Islam Al Mujaddid Sabak)

Jurnal Ilmu Pendidikan dan Sains Islam Interdisipliner
Vol. 5 No. 3 Agustus 2026: Jurnal Ilmu Pendidikan dan Sains Islam Interdisipliner

The transformation of the global monetary landscape through the development of Sharia-compliant Central Bank Digital Currencies (CBDC)—such as the Digital Rupiah—demands a fundamental reorientation of the Islamic Higher Education (IHE) ecosystem. This study critically analyzes the institutional readiness and curricular flexibility of IHE in responding to digital monetary disruption. Utilizing a qualitative approach grounded in Neoinstitutional Theory (mimetic, normative, and coercive isomorphism) and Critical Pedagogy, data were collected through in-depth interviews with 12 key informants, including monetary regulators (Bank Indonesia/OJK), university curriculum developers, senior academics, and Sharia macro-financial industry practitioners. The findings reveal that the current IHE ecosystem suffers from isomorphic inertia and curricular lag, wherein the discourse on Sharia CBDC is superficially conceptualized merely as a micro-banking technological instrument rather than a fundamental macro-monetary paradigm shift. Institutional readiness remains hindered by disciplinary silos separating fiqh-based Sharia sciences from digital econometrics. To address this gap, this study proposes a curricular reconceptualization based on a Triple-Helix Transdisciplinary Framework to bridge the divide between macro-monetary policy and Islamic economic pedagogy