Operating dates and times of AKPK Financial Advisory offices.

Updated as at 12 August 2022. Subject to further amendments from time to time.

Individuals
SME
You’re Now at

AKPK Website

Wealth and prosperity come from
peace of mind and gratefulness

Chart your financial journey for Peace of Mind.
You are now at the right place to begin!
 

Financial Education

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.

 
 

Understanding the Four Stages of Life

When providing financial advice, we discuss your current stage of life and provide recommendations that suit you best.

Read More
 

Planning for Financial Freedom

Knowing 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 More
Understanding the Four Life Stages
Planning for
Financial Freedom

Understanding the Four Life Stages

When providing financial advice, we discuss your current life stage and provide recommendations that suit you best.

Read More

Planning for Financial Freedom

Knowing 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 More
 

Financial Advisory

We provide sound financial advice on managing your finances wisely—from budgeting to money management and credit-related issues.

 
 

FINANCIAL
PLANNING

 

BUDGETING

 

SAVINGS

 

PROTECTION

 

BANKING FACILITIES AND SERVICES & LOANS/FINANCING PRODUCTS

Financial Advisory

We offer counselling and advice on managing your finances wisely – from budgeting to money management and credit-related issues.

 

FINANCIAL
PLANNING

 

BUDGETING

 

SAVINGS

 

PROTECTION

 

BANKING FACILITIES AND SERVICES & LOANS/FINANCING PRODUCTS

Learn How to Improve Your
Credit Score

Read More

Speak to Our Professional Financial Advisor

Book an Appointment
 

Debt Management

AKPK is your reliable financial partner that helps 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.

Read More
 

Factors that Contribute to Over-Indebtedness

You may be heading to a potential financial difficulty unknowingly. Learn how you can take control.

Read More
 

Self-Help Debt Relief Guide

Discover how you can self-manage and take control of your financial situation.

Read More
 

Debt Management Programme

 

Factors that Contribute to Over-Indebtedness

 

Self-Help Debt Relief Guide

Are You an AKPK Customer?
Want to Make Payment?

Log In Now

Need a More Structured Debt
Repayment Plan?

Apply DMP Now

Get Our Latest Updates

All
Articles
Infographics
News
Notices
Press Releases
Videos
Featured Insights

Posted on Dec 22, 2022

Daftar perniagaan anda untuk masa hadapan yang lebih cerah

Category: Articles

Pada April 2022, Malaysia memasuki fasa ’Peralihan ke Endemik’ yang melihat, antara lain, pembukaan ...

Read More

Posted on Dec 1, 2022

URUS bersama Suraya | What Insurance/Takaful to Get If You Don’t Have a Lot of Money

Category: Articles

What Insurance/Takaful to Get If You Don’t Have a Lot of Money ? Having comprehensive insurance/t...

Read More

Posted on Dec 1, 2022

Pengurusan Kewangan Untuk Usahawan

Category: Articles

Pengurusan Kewangan Untuk Usahawan Semenjak PKP 1.0 hingga penghujung tahun 2021, ramai usahawan ...

Read More

Posted on Dec 1, 2022

Charles, 29 - tahun (bukan nama sebenar) ialah

Category: Articles

Charles, 29 - tahun (bukan nama sebenar) ialah seorang eksekutif jualan serantau yang berjaya. Belia...

Read More

Posted on Dec 1, 2022

URUS bersama Azraei Muhamad | Hutang—Baik Atau Jahat?

Category: Articles

Sebaik sahaja bercakap tentang hutang, pelbagai emosi boleh timbul dalam diri kita. Ada yang memanda...

Read More

Posted on Dec 1, 2022

Adakah E-Pembayaran Baik untuk Perniagaan Anda?

Category: Articles

“Kak! Boleh bayar guna kad atau online, tak?” “Alamak! Kak, saya kurang cash. Boleh bayar online,...

Read More

Posted on Jan 4, 2023

Save Money! Save Energy! Save the Environment (World Saving Day)

Category: Infographics

Read More

Posted on Jan 4, 2023

6 Main Mistakes Women Make in Their Finances.

Category: Infographics

Read More

Posted on Jan 4, 2023

beinPOWER - CCRIS

Category: Infographics

Read More

Posted on Jan 4, 2023

Budget 2018 - Youth

Category: Infographics

Read More

Posted on Jan 4, 2023

5 Tips Kewangan untuk merancang perbelanjaan persekolahan

Category: Infographics

Read More

Posted on Jan 4, 2023

Apakah itu pelaburan?

Category: Infographics

Read More

Posted on Dec 1, 2022

AKPK enhances website hosting all access points to its offerings

Category: News

KUALA LUMPUR: Agensi Kaunseling dan Pengurusan Kredit (AKPK) is enhancing digital customer experienc...

Read More

Posted on Dec 1, 2022

Peminjam bermasalah disaran hubungi bank, AKPK

Category: News

KUALA LUMPUR: Bank Negara Malaysia (BNM) menasihatkan peminjam yang berdepan kesukaran membayar bali...

Read More

Posted on Dec 1, 2022

Drop in bankruptcies, thanks to efforts by debt advisory agencies and financial planners

Category: News

PETALING JAYA: Debt advisory agencies and financial planners have been credited with reducing t...

Read More

Posted on Dec 1, 2022

Ramai pengguna mudah terdedah penipuan dalam talian

Category: News

KUALA LUMPUR: Tahap celik kewangan digital di Malaysia masih rendah dan membimbangkan dengan masih a...

Read More

Posted on Oct 27, 2022

Debt distress: Many are in 30-40 bracket

Category: News

KUALA LUMPUR: More than 40 per cent of people who enrolled in the Credit Counselling and Debt Manage...

Read More

Posted on Oct 27, 2022

Platform BNPL jerat 'kaki shopping'

Category: News

Kuala Lumpur: Dewasa ini, platform dalam talian 'Beli Sekarang Bayar Kemudian' atau BNPL semakin men...

Read More

Posted on Dec 30, 2022

We are back at out branch office starting 3 Jan 2023| AKPK Pulau Pinang, AKPK Johor Bahru, AKPK Kuching

Category: Notices

Updates as at 30 December 2022. Subject to amendments and further information.

Read More

Posted on Dec 30, 2022

We are back at out branch office starting 1 Jan 2023| AKPK Kuala Terengganu

Category: Notices

Updates as at 30 December 2022. Subject to amendments and further information.

Read More

Posted on Aug 18, 2022

Operating date and time of AKPK financial advisory offices

Category: Notices

Updates as at 12 August 2022. Subject to amendments and further information.

Read More

Posted on Dec 8, 2022

Discover a Seamless Digital Experience with AKPK Website for Continuous Financial Empowerment

Category: Notices

Read More

Posted on Dec 8, 2022

AKPK Introduces ‘LEMAN’ To Drive The Spirit of Aidilfitri

Category: Notices

Read More

Posted on Dec 8, 2022

Kembara Bijak Wang 2021 Series Attracted the Most Participants from Institutions of Higher Learning

Category: Notices

Read More

Posted on Jan 13, 2023

The Insights | Financial Abuse: Are Our Elderly Protected?

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 More

Posted on Dec 15, 2022

The Insights | Lessons from The Pandemic: Will Consumers' Old Habits Return or Die?

Category: Videos

Despite the pandemic-related economic downturn, old habits die hard and consumers are still obsessiv...

Read More

Posted on Dec 15, 2022

The Insights | Financial Resilience: Are Our Young Athletes Ready?

Category: Videos

Life as a national athlete promises fame and fortune – but sometimes reality falls short of expectat...

Read More

Posted on Nov 30, 2022

AKPK's Enhanced Website is Now LIVE!

Category: Videos

We are now LIVE! Visit akpk.org.my to experience our enhanced website! Stay tuned to our serie...

Read More

Posted on Nov 30, 2022

Bingkisan Coretan Demi Esok

Category: Videos

Siapa lagi kalau bukan kita yang menunjukkan contoh untuk generasi seterusnya membina legasi yang le...

Read More

Posted on Nov 30, 2022

Iklan #Merdeka65 AKPK

Category: Videos

URUS seadanya, pasti bahagia. Melihat kita semua sama, itu tanda jiwa merdeka. #Merdeka65 #PEA...

Read More

Posted on Jan 16, 2023

Prudent Consumers in the Post-Pandemic ‘New Normal’ Era

Category: Featured Insights

Prudent Consumers in the Post-Pandemic ‘New Normal’ Era By Mohammad Mafrukhin Mokhtar, AKPK &n...

Read More
Load More
Back

Tertiary


The 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.

Entering Workforce


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.

Starting and Raising a Family

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.

Retirement

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.



Post – Retirement

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.

Youth
Early Adulthood
Adult – Middle Adulthood
Elderly