Indonesia is a country with the largest Muslim population. However, the understanding of Islamic finance is still very limited. Meanwhile, nowadays more people start aware of the importance of managing personal finances. As for financial planner advisers is still limited. Moreover, the majority of financial planner knowledge is still conventional based. No much financial planner expert in Islamic finance.
The interest of the Muslim community in financial planners is a great opportunity as a medium for Islamic financial inclusion. The community is not only will able to control personal finance according to Islamic principles, but also knows how and where to invest funds appropriately and according to sharia. Long-term impacts can increase the share of the Islamic financial market in Indonesia, both in the Islamic banking sector, Islamic insurance, sukuk, Islamic capital market, Islamic P2P lending, Islamic e money, and so on. Thus the sharia ecosystem will be formed massively and integrated.
This study is a literature study which aims to design the basic concepts of Islamic personal financial planning needs, as well as to compare it with conventional personal financial planning. The next stage is to calculate the factors that can increase the inclusion of Islamic personal financial planning. The output of this study isa conceptual framework of Islamic financial planning that could arise the Islamic financial literacy and inclusion. It is the inclusive Islamic Financial Planning.
Keywords: Financial Planning, Islamic Financial Inclusion, Islamic Finance