Welcome, selamat bergabung!
This site offers evidence-first insights on everyday economics and finance for Indonesian families and businesses. The blog highlights what credible research and official data say, where the evidence is still weak, and where maqasid syariah or maslahah is evident. I’m Dr. Luqyan Tamanni, an economist, co-founder of Sakinah Finance Institute and CFP® holder. More about me.
Managing household budget
- Why small yearly price rises still add up to about 33% in ten years
- Do bank deposits beat inflation? 14 of the last 16 years
- What a weaker rupiah does to dollar-priced goals such as overseas tuition
- Indonesia is ageing faster: what it means for retirement saving and family support
- How much of health spending families pay out of pocket
Running a business or a treasury
- What a lower average lending rate means for financing
- Why growth in bank account ownership has slowed
- Remittances to Indonesia at a record high, and what drives household demand
Managing family wealth
Topics I cover
- Investing and macro
- Household balance sheet
- Islamic wealth and waris (wills, hibah, waqf, faraidh): articles in preparation
- Tax and structuring for cross-border families: articles in preparation
- Corporate treasury and financing (sukuk, bank financing): articles in preparation
How to read an article here
- The sources. Every information is properly sourced and cited.
- The limits. Each article says what the data cannot tell, and what is evident.
- The date. Rules and numbers change, so the date matters.
- Education, not advice. Every personal situation is specific, beyond any generic information or conclusion hinted in the essays.
Go further
I write longer essays on Substack and share shorter analysis on LinkedIn. For speaking or research collaboration, write to luqyan@gmail.com.
General education only. NOT personal financial, investment or sharia ruling advice.