Sakinah Finance atau SakinaFinance merupakan forum sharing antar keluarga professional muda Muslim dalam hal manajemen keluarga (tadbir al manzil), khususnya keuangan dan investasi. Meskipun sudah banyak blog atau website tentang topik ini, namun belum ada yang mengupas keuangan keluarga dari perspektif yang komplit; investasi, tabungan, prioritas belanja, budgeting, perencanaan keuangan, dan tips-tips sederhana yang bisa berdampak besar bagi semakin barokahnya keuangan keluarga.

Menjalani prinsip hidup berkeluarga yang sakinah, mawaddah wa rahmah merupakan idaman semua rumah tangga. Selain pilar iman dan taqwa, satu dari banyak penyangganya adalah terkelolanya keuangan keluarga dan anggaran belanja yang baik dan rapi. Pendapatan dan pengeluaran yang halal-baik merupakan kunci. Ini bukan saja akan mendukung lancarnya ketersediaan kebutuhan pokok dan sekunder, tapi juga membuat rumah tangga lebih tenang dan insya Allah berkah.

Blog ini bukan ajang menggurui atau mengajari, tetapi tempat berbagi pengalaman bagi semua. Jadi kami sangat senang kalau Anda juga bisa ikut berbagi dengan meninggalkan pesan-kesan atau sharing melalui kolom ‘Comments’.

Kami bisa dihubungi di hello@sakinahfinance.com atau tulis pesan langsung melalui link Contact.

Semoga blog ini bermanfaat bagi Anda.

Luqyan dan Murniati adalah akademisi, peneliti, konsultan dan praktisi keuangan syariah, khususnya di bidang manajemen keuangan syariah, akuntansi syariah dan keuangan mikro syariah. Luqyan menyelesaikan S1 di International Islamic University Malaysia, S2 di Universiti Malaya dan S3 di University of Glasgow, Skotlandia, UK. Sedangkan Murniati mendapatkan gelar S1 dari International Islamic University Malaysia, S2 dari Universitas Indonesia, dan S3 dari University of Glasgow, Skotlandia, UK.

Mereka berdua adalah pasangan suami istri dan menekuni bidang pengelolaan keuangan Islami sejak di awal pernikahan.

Mereka dikarunia satu putri dan dua putra yang bernama Layyina Tamanni, Hayyan Tamanni dan Rayyan Tamanni yang senantiasa dilatih berbisnis Islami pengaturan keuangan sejak dini.

Luqyan mengasah karirnya di Tazkia dan IFC-World Bank Aceh dan Jakarta serta Islamic Relief di Inggris. Saat ini Luqyan menjabat sebagai konsultan di Tazkia Consulting dan DPS Sinar Mas Syariah, Jakarta.

Murniati pernah berkarir di Unibank Jakarta, Ernst & Young Kuala Lumpur, dan University of Essex, Inggris. Saat ini, Murniati menjabat sebagai Wakil Ketua STEI Tazkia di Bogor dan sering ditunjuk sebagai konsultan oleh beberapa lembaga keuangan syariah di tanah air termasuk juga Bank Indonesia.

Luqyan dan Murniati kerap menyajikan risetnya di konferensi internasional baik di kalangan akademisi konvensional maupun syariah dan berhasil mendapatkan beberapa penghargaan karya terbaik. Sudah ada beberapa publikasi ilmiah bertaraf internasional yang diterbitkan dalam bidang akuntansi dan manajemen keuangan syariah serta buku teks dalam bidang yang sama.

Selain itu, Luqyan dan Murniati telah menerbitkan buku popular yang berjudul Sakinah Finance pada tahun 2013 yang langsung diminati di beberapa kalangan, yang kemudian dijadikan modul – modul talkshow dan pelatihan. Buku terbitan Tiga Serangkai ini sederhana namun fenomenal karena berisikan pengalaman keduanya dalam mengatur keuangan keluarganya. Buku kecil ini bukan beroritentasikan bagaimana jadi cepat kaya seperti biasanya buku perencanaan keuangan yang telah banyak beredar tetapi lebih kepada memahami keuangan keluarga dalam konteks maqashid syariah.

Murniati dan Luqyan telah menyelenggaran beberapa talkshow dan pelatihan di beberapa kota di Indonesia, UAE, UK, USA, Kanada, Jepang, Turki, Jerman, Qatar, Saudi Arabia, Australia, Brunei Darussalam, Perancis, Malaysia dan baru baru ini di Mesir.

Selain aktif memberikan talkshow di berbagai forum, Murniati juga aktif mengisi kolom Sakinah Finance di beberapa media seperti di Republika, Majalah MySharing, Islampos, Suara Islam, Hidayatullah, Majalah Gontor, detik.com, dan Kompas.

Topik talkshow dan pelatihan yang biasa digelar adalah sebagai berikut: Mengatur Keuangan Keluarga Itu Muda; Impian Kita, Impian Keluarga Sakinah; 7 Prinsip Keuangan Keluarga Syariah; Zakat Itu Untuk Kita; Yang Haram Itu Ternyata Sedikit; Ayo Bebas Hutang; Bisnis dan Keuangan Keluarga, Menikah dan Keuangan Keluarga; Pelatihan Keuangan Syariah untuk Anak dan Remaja; serta Kematian dan Keuangan Keluarga.

LUQYAN TAMANNI, M.Ec, RFP-I, PhD

Lecturer, Independent Consultant

Married, wife: Murniati Mukhlisin, children: Layyina Humaira Tamanni, Hayyan Hani Tamanni, Rayyan Ayman Tamanni

ACADEMIC QUALIFICATIONS

  • PhD in Finance (concentration: Islamic Micro Finance), University of Glasgow (2017)
  • Master of Economics (concentration: Islamic Economics), University of Malaya, Kuala Lumpur (2002)
  • Bachelor of Economics (concentration: Islamic Economics), International Islamic University Malaysia, Kuala Lumpur (1997)

WORK EXPERIENCE

  • Shariah Supervisory Board Member, Asuransi Syariah Sinar Mas (General), Jun. 2005–2012, March 2017-present
  • Shariah Consultant, Batasa Tazkia Consulting, Jakarta, March 2017-present
  • Lecturer – Islamic Economics and Islamic Finance, Tazkia University College of Islamic Economics, Bogor, Indonesia, Sept. 2002–present
  • Independent consultant (Islamic finance, microfinance)
    o UK Islamic Finance Council, 2014-2015
    o Islamic Relief Worldwide, 2012-2014
    o Islamic Development Bank, May 2012
  • Director – Business Development & Research, PT. Batasa Tazkia Consulting, Jakarta Dec. 2010–Nov 2011
  • Associate Operations Officer, International Finance Corporation (IFC, World Bank Group), Indonesia Nov. 2006–Oct. 2010
  • Shariah Supervisory Board Member, PT. Equity Life Indonesia, Aug. 2006–Oct. 2009.

Dr. MURNIATI MUKHLISIN, M.Acc

@ Mu Kim Ni // Lecturer, Consultant

Murniati Mukhlisin (Mu Kim Ni) born in Baturaja, Sumatera Selatan on 17 October 1972. Both of her parents, Mu Kap Chin and Kang Pau Chu were known among the best traders in Baturaja and Belinyu, Bangka Belitung.

Murniati earned her degrees in Islamic accounting from International Islamic University of Malaysia (undergraduate), University of Indonesia (postgraduate), and University of Glasgow, United Kingdom
(doctoral). She was awarded with distinguished scholarships to support her studies.

Murniati is married to Dr. Luqyan Tamanni and they have three children; Layyina Humaira Tamanni (17), Hayyan Hani Tamanni (15) and Rayyan Ayman Tamanni (13).

Murniati has working experiences in banking, financial and IT services i.e. Unibank – Jakarta, Ernst & Young – Kuala Lumpur, and ANSI Berhad – Selangor, Malaysia.

Murniati then started her career as a lecturer in Islamic Accounting and Finance in 2002 and she is currently Islamic Accounting certified. She became Affiliate Staff at University of Glasgow after completing her PhD in 2014 and then joined Essex Business School, University of Essex, Colchester, UK from 2015 to 2017. She also sits on Editorial Advisory Board for an Emerald Journal of Islamic Accounting and Business Research. She works on critical perspective of research in the areas of financial reporting, Islamic accounting, Islamic banking and finance, and Islamic financial literacy.

Murniati is currently a Rector, Tazkia University College of Islamic Economics, Bogor, Indonesia. Murniati is also a public speaker and motivator. Together with her husband, Luqyan, Murniati authored an inspirational book called Sakinah Finance that talks about Islamic family finance. They conduct several talk shows and trainings based on Sakinah Finance in several cities in Indonesia, UAE, UK, USA, Canada, Japan, Turkey, Germany, Qatar, Saudi Arabia, Australia, Brunei Darussalam, France, Malaysia, and Egypt.

She is also an active writer in Republika, Majalah MySharing, Islampos, Suara Islam, Hidayatullah, Majalah Gontor, detik.com, and Kompas. She also conducts home business with her children under the umbrella of Tamanni Shop. Her research papers and activies are available at available at https://tazkia.ac.id/dosen/dr-murniati-mukhlisin-m-acc and https://www.sakinahfinance.com

ACADEMIC QUALIFICATIONS

  • PhD in Accounting (concentration: Islamic Accounting), University of Glasgow (2014)
  • Master of Accounting (concentration: Islamic Accounting), University of Indonesia, Jakarta (2010)
  • Bachelor of Accounting (concentration: Islamic Accounting), International Islamic University Malaysia, Kuala Lumpur (1998)

WORK EXPERIENCE

  • Vice Rector, Tazkia University College of Islamic Economics, Bogor, Indonesia, March 2017-present
  • Team Head, Islamic Accounting Compartment, The Indonesian Institute of Accountants (IAI), Jakarta, April 2017-present
  • Lecturer – Islamic Accounting, Tazkia University College of Islamic Economics, Bogor, Indonesia, Sept. 2002–present
  • Lecturer and Researcher in Accounting, Essex Business School, University of Essex, United Kingdom (2015-2017)
  • Management Board Member, Tazkia University College of Islamic Economics, Indonesia (2002 – present)
  • Management Board member, Yayasan Islamic Centre Andalusia, Yayasan Tazkia Cendekia (2005 – present)
  • Consultant, PT. Batasa Tazkia Consulting, Jakarta (2002 – 2011)
  • Assistant to Finance Manager, ANSI Sdn. Bhd., Selangor DE, Malaysia (1998-2001)
  • Junior Auditor, Ernst & Young, Kuala Lumpur (1998)
  • Corporate Banking Staff, PT. Unibank, Jakarta (1992-1993)
Academic CV

Ceramah, Seminar dan Pelatihan Sakinah Finance

Ingin mengundang kami sebagai penceramah, pembicara seminar atau pelatihan? please Contact Us!

Time Audience Activities
July 2017 IPB Alumni (60 participants) Talk show at Sentul City, Bogor
June 2017 MT Ummahat Al-Munawarah (20 Muslimah/ladies) Talk show at Al-Munawarah Mosque, Sentul City, Bogor
June 2017 200 public participants Baitul Ihsan Mosque, Bank Indonesia, Jakarta
May 2017 Lecturers and Students (50 participants) Workshop at Universitas Hasanuddin, Makassar
May 2017 DINAR (300 public participants) Workshop at Andalusia Islamic Center, Sentul City, Bogor
May 2017 Majlis Muslimah Andalusia (200 Muslimah/ladies) Talk show at Andalusia Islamic Center, Sentul City
April 2017 MT Salsabilina (100 Muslimah/ladies) Talk show at Andalusia Islamic Center, Sentul City
March and May 2017 MT Al-Jannah (40 Muslimah/ladies) Talk show at Al-Jannah School, Cibubur
April 2017 Indonesian Expatriates and Students community (50 participants) from Al-Azhar, Cairo/ICMI Orsat Cairo Talk show in Cairo, Egypt
March 2017 Management and staff (50 participants) Talk show at Bank Indonesia, Jakarta, Indonesia
March 2017 Management and staff (50 participants) Talk show at Dinas Ketahanan Pangan, Bogor, Indonesia
February 2017 Indonesian Expatriates and Students community (60 participants) Talk show in IIUM, Kuala Lumpur
February 2017 Indonesian Expatriates and Students community (30 participants) Talk show in Oxford, UK
January 2017 Indonesian Expatriates and Students community (60 participants) Talk show in Southampton, UK
January 2017 Indonesian Expatriates and Students community (100 participants) Talk show and Workshop in Paris, France
January 2017 Indonesian Expatriates and Students community (100 participants) Talk show in Indonesian Islamic Centre, London, UK
January 2017 Indonesian Expatriates and Students community (150 listeners) Talk show KIBAR-UK Online
December 2016 Indonesian Expatriates and Students community (15 participants) Talk show in Glasgow, UK
December 2016 International Lecturers and Students (50 participants) Talk show in University of Essex, Colchester, UK
November 2016 Muslim Communities in Republic of Ireland (100 participants) Talk show via teleconference
September 2016 Indonesian Expatriates and Students community (15 participants) Talk show in London, UK
September 2016 Indonesian Expatriates and Students community (100 participants) Talk show in Derby, England, UK
August 2016 Indonesian community in Indonesia (100 online listeners) Talk show at Radio Smart FM, Jakarta, Indonesia
August 2016 Lectures, students, and local community (150 participants) Talk shows and Workshops in Yogyakarta and Aceh, Indonesia
August 2016 Indonesian Expatriates and Students community (50 participants) Talk shows in Kuala Lumpur, Malaysia
August 2016 Indonesian Expatriates and Students community (60 participants) Talk shows and Workshops in Manchester, UK
August 2016 Indonesian Expatriates and Students community (20 participants) Talk show in Glasgow, Scotland, UK
July 2016 Indonesian Muslim communities in Brunei Darussalam (30 participants) Talk show in Bandar Seri Bagawan, Brunei Darussalam
July 2016 Indonesian Muslim communities in Australia (450 participants) Talk shows and Workshops in Melbourne, Sydney, Brisbane, Australia
May 2016 Indonesian Expatriates and Students community (60 participants) Talk show in Leeds, UK
May 2016 Indonesian Expatriates and Students community (60 participants) Talk show in Sheffield, UK
March 2016 Indonesian Expatriates and Students community (30 participants) Talk show in Makkah and Jeddah, Saudia Arabia
February 2016 Indonesian Expatriates and Students community, Indonesian-British community (30 participants) Talk show in Oxford, UK
January 2016 Indonesian domestic workers in London (30 participants) Workshop at Embassy of Republic of Indonesia office in London, UK
Oct 2015 University of Riau lecturers and students (500 participants) Online Talk show Colchester, UK – Riau, Indonesia
July 2015 Indonesian Muslim community (20 participants) Talk show in Colchester, UK
May 2015 Indonesian Expatriates and Students community, Indonesian-British community (30 participants) Talk show in Oxford, UK
April 2015 Bogor community (40 participants) Talk show in Bogor, Indonesia
April 2015 Malaysian Muslim community (40 participants) Talk show in Glasgow, UK
March 2015 Indonesian Muslim community (50 participants) Talk show in Sheffield, UK
March 2015 Indonesian Muslim community (60 participants) Talk show in Leeds, UK
March 2015 Expatriates (200 participants) Talk show in Doha, Warkah and Mesaieed, Qatar
February 2015 Academics and practitioners in Islamic finance (200 participants) Paper presentation at International Conference on Financial Literacy, Brunei Darussalam
January 2015 Indonesian Ambassador, Embassy officials, and Indonesian community in London (150 participants) Talk show at Embassy of Republic of Indonesia office in London, UK
January 2015 30 online participants KIBAR-UK Online Talk
December 2014 Indonesian domestic workers in London (30 participants) Workshop at Embassy of Republic of Indonesia office in London, UK
November 2014 Indonesian Muslim community in Hamburg (70 participants) Talk shows in Hamburg, Germany
September 2014 Indonesian Student Association (PPI) in Istanbul (60 participants) Talk show in Istanbul, Turkey
July 2014 Indonesian Muslim community in Toronto, Canada, also participated by the Consul General and Consulate General officers (100 participants) Talk shows in Toronto, Canada
June 2014 Indonesian domestic workers in London (30 participants) Workshop at Embassy of Republic of Indonesia office in London, UK
June 2014 Indonesian teens and kids in UK (50 participants) Special design Workshop for teens and kids in Leicestershire, UK
May 2014 Indonesian community in Indonesia (100 online listeners) Talk show at Voice of America, Washington, USA
April – May 2014 Indonesian Muslim communities in USA (250 participants and100 online listeners) Talk shows and Workshops in Boston, Washington DC, Philadelphia, and Houston, USA
April 2014 Aceh Community in the UK (30 participants) Talk show in Nottingham, UK
April 2014 International community in Glasgow (100 participants) Talk show at University of Glasgow, Scotland, UK
March 2014 Ambassadors, Embassy officials and South East Asian community in Bahrain (50 teleconference participants) Talk show via teleconference Glasgow, UK-Mahama, Bahrain
February 2014 Indonesian domestic workers in London (30 participants) Talk show at Embassy of Republic of Indonesia office in London, UK
February 2014 South East Asian community (100 participants) Workshop at University of Southampton-UK
January 2014 Petro engineers and family (30 participants) Workshop at Indonesian community in Aberdeen-UK
December 2013 Indonesian community in the UK (100 online listeners) Talk show at PKS-UK Radio, UK
November 2013 Indonesian Ambassador, Embassy officials, and Indonesian community in London (150 participants) Talk show at Embassy of Republic of Indonesia office in London, UK
July 2013 Indonesian community in Indonesia (100 online listeners) Talk show at Radio Sham FM Surabaya, Indonesia
July 2013 Lecturers, teachers, staff and students (200 participants) Workshop at Perguruan Tinggi Diniyyah Putri Bukittinggi campus, Indonesia
July 2013 Female staff (50 participants) Talk show at Kantor Bank Indonesia
July 2013 Parents and guardians (75 participants) Talk show at Tazkia campus, Bogor, Indonesia
July 2013 Lecturers, staff and students (100 participants) Workshop at Tazkia campus, Bogor, Indonesia
July 2013 Indonesian Muslim community in Japan (20 participants plus 30 online listeners) Talk show at Masjid Kobe, Kobe, Japan
April 2013 Embassy officials and Indonesian Muslim community in Dubai (150 participants) Talk show at Indonesian Consulate General office, Dubai, UAE

Other Talk Shows and Activity

Time Audience Activities
2003-present Readers of Republika, Kompas, MySharing, Islampos, Antara News, Suara Islam, Hidayatullah, detik.com, Majalah Gontor, Isfire Magazine – UK Sakinah Finance articles and news in Indonesian and English language (weekly/occasionally)
2011-present Sisters around UK, Europe, Indonesia, and Australia Weekly online program
Before 2011 Majlis Ta’lim, Bogor, Chinese Muslim Association Monthly program
Sakinah FinanceTentang Kami