Ramai juga yang bertanyakan saya di fanpage saya, iaitu www.facebook.com.fanpagehumaizi  apa beza Islamic Financial Planner atau Perancangan Kewangan Islam dan Perunding Kewangan Islam? Adakah sesiapa saja boleh menggunakan title Perancang Kewangan Islam atau IFP?

Saya memetik dari laman web Financial Planning Association Malaysia atau FPAM berkenaan dengan Islamic Financial Planner (IFP).

 “The Islamic Financial Planner (IFP) is a training and certification programme designed especially for professionals and executives serving the retail segment of the Islamic financial market. This programme is a joint collaboration between Islamic Banking and Finance Institute Malaysia (IBFIM) and the Financial Planning Association of Malaysia (FPAM”

 Bank Negara Malaysia mengiktiraf IFP sebagai Financial Adviser atau FA.

 “FPAM is pleased to announce that its Islamic Financial Planner (IFP) qualification has been recognised by Bank Negara Malaysia (BNM) for the purpose of becoming a Financial Adviser’s representative. The business of financial advisory in respect of insurance products is a regulated activity under the purview of BNM”

 “The IFP programme is a certification programme jointly developed by FPAM and IBFIM to produce competent financial planners capable of meeting the financial planning needs of the client in conformity to Syariah laws”

 Steve Teoh, president of FPAM said, “We are very proud of this recognition by our respected regulatory body of a qualification that is probably the first of its kind in the world catering to the Islamic financial retail market that is fast expanding, both nationally and internationally. It also underscores our commitment to the Government’s continuing effort in establishing Malaysia as the premier Islamic financial hub.”

 Kenapa Unit Trust consultants and Takaful agents patut mempunyai IFP title?

 “Being certified as an Islamic Financial Planner will equip the Unit Trust consultants and Takaful agents with all the necessary knowledge to serve clients better and to become a financial advisory professional. The IFP program sets the competency standards and ethical practices of the professionals. In short, the consultants and agents can look forward to a fulfilling and prosperous career of being an Islamic financial planner. Also, BNM via a letter dated 1 Aug 2007 has endorsed IFP Modules 1 and 2 for Takaful executives and agents.”

Apa tanggungjawab IFP Holders? 

Berbeza dengan title Perunding Kewangan Islam, sebagai seorang IFP bertanggungjawab membantu clients dalam membuat perancangan kewangan secara patuh Shariah dari aspek-aspek berikut:

1. Pengurusan aset dan hutang

2. Pengurusan risiko dan takaful

3. Pelaburan patuh Shariah

4. Zakat dan cukai

5. Pembahagian harta; wasiat, hibah, wakaf, faraid dan pusaka.

Dengan itu, title IFP adalah bukan saya suka suka saja menggunakannya kerana untuk mendapatkan tite tersebut, kita perlu menamatkan Module 6 Kursus IFP.

Terima kasih.