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 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. Murniati is currently a Rector, Tazkia University College of Islamic Economics, Bogor, Indonesia. She is also a team head at Islamic Accounting Compartment – Indonesian Institute of Accountants, and a consultant for Bank Indonesia and Financial Services Authority. She is also a Shariah Expert at BRI Corporate University, board member of Indonesian Economist Association, and Advisor to Association of Islamic FinTech Indonesia.
Murniati is also a public speaker and motivator. Together with her husband, Dr. Luqyan Tamanni, M.Ec, Murniati authored an inspirational book called Sakinah Finance that concerns 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, Egypt, Pakistan and The Philippines. She is also an active columnist in national and international media such as Republika, Majalah MySharing, Islampos, Suara Islam, Hidayatullah, Majalah Gontor, detik.com, Kompas, IFN News, and ISFIRE-UK. Her research papers and activities are available at https://tazkia.ac.id/dosen/dr-murniati-mukhlisin-m-acc/ and https://www.sakinahfinance.com.