Rahman, N. A., B. Ahmad, and N. F. Aziz. “FACTORS OF ISLAMIC FINANCIAL PLANNING PRACTICES AMONG MUSLIM PROFESSIONALS: A CONCEPTUAL PAPER”. INTERNATIONAL JOURNAL OF ENTREPRENEURSHIP AND MANAGEMENT PRACTISES (IJEMP), vol. 9, no. 35, Sept. 2026, pp. 246-60, doi:10.35631/IJEMP.935013.