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We provide financial education modules, materials and tips on proper use of credit and money management for individuals and SMEs to create a better tomorrow.
When providing financial advice, we discuss your current stage of life and provide recommendations that suit you best.
Read MoreKnowing how much you spend or how much you save is equally important. Get some useful tips to rebalance your funds, make better choices and minimise risks.
Read MoreWhen providing financial advice, we discuss your current life stage and provide recommendations that suit you best.
Read MoreKnowing how much you spend or how much you save is equally important. Get some useful tips to rebalance your funds, make better choices and minimise risks.
Read MoreWe provide sound financial advice on managing your finances wisely—from budgeting to money management and credit-related issues.
We offer counselling and advice on managing your finances wisely – from budgeting to money management and credit-related issues.
AKPK is your reliable financial partner to help you take control of your financial situation. Debts can limit your financial choices. Seek help early.
Debt Management Programme
Having problems in paying your instalments? Stressed out with your monthly payments? Fret
not!
DMP is here to assist you.
Factors that Contribute to Over-Indebtedness
You may be heading to a potential financial difficulty unknowingly. Learn how you can take control.
Read MoreSelf-Help Debt Relief Guide
Discover how you can self-manage and take control of your financial situation.
Read MoreDebt Management Programme
Factors that Contribute to Over-Indebtedness
Self-Help Debt Relief Guide
Posted on Feb 14, 2023
Category: Articles
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Category: Articles
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Category: Articles
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Category: Articles
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Category: Infographics
Read MorePosted on Feb 17, 2023
Category: News
KUALA LUMPUR: Agensi Kaunseling dan Pengurusan Kewangan (AKPK) memaklumkan sebanyak 39 institusi pen...
Read MorePosted on Feb 17, 2023
Category: News
KUALA LUMPUR: The Credit Counselling and Debt Management Agency said 39 institutions of higher learn...
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Category: News
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Category: News
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Category: News
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Category: News
THE Credit Counselling and Debt Management Agency (AKPK) has managed to resolve 41,000 debt cases fr...
Read MorePosted on Dec 30, 2022
Category: Notices
Updates as at 30 December 2022. Subject to amendments and further information.
Read MorePosted on Dec 30, 2022
Category: Notices
Updates as at 30 December 2022. Subject to amendments and further information.
Read MorePosted on Aug 18, 2022
Category: Notices
Updates as at 12 August 2022. Subject to amendments and further information.
Read MorePosted on Dec 8, 2022
Category: Notices
Read MorePosted on Dec 8, 2022
Category: Notices
Read MorePosted on Dec 8, 2022
Category: Notices
Read MorePosted on Jan 13, 2023
Category: Videos
Based on an AKPK survey, 1 out of every 10 elders is exposed to the risk of abuse, and half of them ...
Read MorePosted on Dec 15, 2022
Category: Videos
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Category: Videos
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Category: Videos
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Category: Videos
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Category: Videos
URUS seadanya, pasti bahagia. Melihat kita semua sama, itu tanda jiwa merdeka. #Merdeka65 #PEA...
Read MoreThe world we live in is increasingly complex, especially for the youths, and they will eventually need to take charge of their future and finances. Financial education in the tertiary stage is for those between the ages of 18 to 25 currently pursuing post-secondary education. Providing them with the appropriate financial know-how at this point will build up their competence in dealing with future financial decisions. This module focuses on cash flow management, the importance of savings and setting up a budget, internet banking and other appropriate topics for university and college students.
This stage comprises those between the ages of 20 to 30, i.e. mainly those who are just starting out in life. Financial education is essential to this age group as they learn to be independent in most matters especially financial management. In their minds, a car is a want rather than a need, and normally sits at the top of their list of things to acquire. Our Entering Workforce module focuses on understanding the fundamentals of borrowing and the importance of borrowing productively to encourage positive net worth. Financial education at this stage is also aimed at inculcating the habit of managing debts wisely. The module also introduces the fundamentals of investments and the importance of insurance for a better tomorrow.
The module for the next life stage is for those who are starting and raising a family. People in this category are approaching that time in their life when they will normally experience important and meaningful life’s milestones: marriage, children and a new home. Designed for those between 30 to 40 years of age, this module will focus on settling unproductive loans while reducing debt commitments as they prepare for retirement. Emphasis will again be placed on the importance of planning for and protecting against uncertainties by talking about the types of financial tools available. They will learn the various types of insurance policies and be able to decide on the best coverage based on their affordability for their precious family. Education will also be given on the appropriate investments that will provide passive income for a better tomorrow.
The transition from working to retiring involves many tough decisions regarding income and lifestyle needs and whether one plans to ease into retirement or otherwise, while considering factors such as wealth management, whether a pension is enjoyed, and EPF balances. These are big decisions with long-term impact on their financial well-being during retirement. To make the best choices, they require sufficient knowledge and intense awareness of how they want to live through their retirement years. Therefore, our pre-retirement module will prepare them for retirement by teaching them the proper use of their investments and review of their portfolio while servicing their insurance policies and settling unproductive debts to improve their net worth positively.
You have retired. How would you manage your money now? Considering that the average life expectancy in Malaysia has improved, it is more important now than ever to ensure that you have the financial resources to live a comfortable and happy lifestyle—particularly if you are looking forward to retiring with peace of mind. Taking care of your wealth and making it last are important at this stage. Financial literacy and education is a continuous life lesson that does not end at retirement. Now, more than ever, you need to manage your finances wisely and plan for the unexpected. Our post-retirement module is focused on those who are currently transitioning into retirement or are in the early stages of retirement.