JEBIS: Jurnal Ekonomi dan Bisnis Islam Volume 8, No.1, January – June 2022 p-ISSN : 2442-6563 e-ISSN : 2525-3027 Page 32 – 53 Available online at https://e-journal.unair.ac.id/JEBIS doi: 10.20473/jebis.v8i1.30449 THE FINANCIAL INCLUSION OF ISLAMIC BANKING FOR LOW-INCOME COMMUNITIES: CASE STUDY IN WEST SUMATERA Neng Kamarni a Hefrizal Handra b Muslich Anshori c a,b Department of Economics, Faculty of Economics and Business, Universitas Andalas c Department of Islamic Economics, Faculty of Economics and Business, University of Airlangga Email: nengkamarni@eb.unand.ac.id a ; hefrizalhandra@gmail.com b ; slich@yahoo.com c ARTICLE HISTORY Received: 04 October 2021 Revised 08 June 2022 Accepted: 16 June 2022 Online available: 30 June 2022 Keywords: Islamic Banking, Financial Inclusion, Financial Service, Perspective. *Correspondence: Name: Neng Kamarni E-mail: nengkamarni@eb.unad. ac.id ABSTRACT This study aims to analyze the prospects and perspectives of low-income people in West Sumatra on financial inclusion in Islamic banking. Also, this study analyzes various factors that determine Islamic banking's financial inclusion and assesses the level of public expectations of the financial inclusion of Islamic banks in West Sumatra. This study applies descriptive quantitative research with primary data. Statistical tools such as Mann-Whitney Rank Sum U-test, Kruskal Wallis test, weighted arithmetical mean, chi-square test, and one-way ANOVA are used to reach the research's objectives. As a result, gender, age, marital status, monthly income, type of work, and status in the household are not significantly related to the level of customer expectations of financial inclusion. However, there is a significant relationship between the level of education and type of bank with the level of customer expectations of financial inclusion. The study results illustrate that low-income people in West Sumatra are familiar with Islamic banking, but many of them have not chosen to have an account in Islamic banking. The fatwa of the Council of Ulama Indonesia (MUI) and the Islamic banking system are not fully understood by the people of West Sumatra, the majority of whom are Muslims. A bank account selection is based on ease of reach and location. However, the public's view of Islamic banks is very high, as can be seen from people's expectations that Islamic banks provide a high sense of justice and comfort. INTRODUCTION In recent years, the banking sector has undergone tremendous changes in technology advances, internet banking, online money transfers, and more. However, access to such technology is limited to certain segments of society. Indeed, some trends, such as technology, and increasingly sophisticated customer segmentation, have led to limited access to financial services for some groups (International Finance Corporation, 2016). There is a growing difference between the high and middle- income segments of the population who have an increase in personal finance options with some people who lack access to even the most basic banking services. The