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

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


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AKPK's One Stop Portal


About AKPK


At the height of the financial boom in 2006, with consumer credit under control, the setting up of Agensi Kaunseling dan Pengurusan Kredit (AKPK), now benefits countless Malaysians.


AKPK Milestones

  1. Kuala Lumpur and Johor Bahru branches opened
    Personal Financial Management (PFM) module developed
  2. Penang, Kuala Terengganu, Kota Kinabalu and Kuching branches opened
    Debt Management Programme (DMP) processing time improved to 5 days
  3. Melaka, Kuantan and Ipoh branches opened
    Customised PFM for ‘Program Latihan Khidmat Negara’ trainees
    Financial Education programme developed based on AKPK’s book, ‘Money Sense’
  4. Alor Setar and Kota Bharu branches opened
    ‘PFM at Workplace’ introduced (for public and private sectors, NGOs, etc.)
  5. AKPK’s corporate website, e-newsletter and social media launched
    PFM (‘Money Sense’) now carries 1 credit hour approved by Malaysia Qualifications Agency (MQA)
  6. DMP processing improved to 3 days using Online Debt Management Programme
    AKPK’s book, ‘POWER! Managing Your Debts Effectively’ launched
    POWER! Portal (online learning portal) launched
  7. The POWER! book and financial talks available in Bahasa Melayu, English, Mandarin and Tamil
  8. First collaboration with VISA to promote financial literacy in the country
  9. Signed Memorandum of Understanding with Amanah Ikhtiar Malaysia (AIM) and Suruhanjaya Koperasi Malaysia respectively
  10. DMP processing improved to only 1 day using Core Business System (CBS)
    A focus group using PFM improved business performance of ‘Sahabat of AIM’
    Four FE modules introduced – Tertiary, Entering the Workforce, Starting & Raising Family, Retirement
    AKPK Self-Sustainability Agenda (via DMP Cost Recovery Initiative) commenced
  11. Kicked off ‘SELFY’ (Social Enterprise Literacy for Youth) pilot project – training tertiary students on money management through social enterprising
    Restructuring for salary deducted loans introduced in Debt Management Programme (DMP)
  12. Public Service Announcement (PSA) videos via television channels started with ‘Sahabat Raya’ and ‘Impian Dalam Harapan’
    A harmonised retirement module ‘Persaraan, Bermulanya Perjalanan Baru’ launched with KWSP
    Restructuring of home loans introduced in DMP
    Appointed as nominee for Voluntary Arrangement (VA) under the Insolvency Act 2017 to rescue potential bankrupts
    Collaborators Award introduced to honour strategic partners
    First intellectual discourse ‘Will Effective Financial Literacy Ensure Financial Well-Being?’ held to explore effective delivery methods for financial education
    Fully self-sustainable via DMP Cost Recovery Initiative
  13. First survey on the financial behaviour and well-being of Malaysian working adults, AFBeS’18, conducted nationwide
    First financial literacy symposium, AFLIT2018, launched by Deputy Prime Minister
    Online learning portal developed based on financial learning modules
    Short PSA videos continued and aired in all major TV channels
    Participated in the Financial Education Network (FEN) 
  14. Launched Khidmat Nasihat Pembiayaan (MyKNP)—a new initiative introduced to provide further consultative assistance to unsuccessful home financing applicants
    AKPK Collaborators Award held in November 2019 and launched by Deputy Prime Minister
    Conducted five (5) FE public programmes
    Collaborated with HSBC Bank Malaysia Berhad to conduct ‘Kembara Bijak Wang’ programme to empower Malaysian youth with money management knowledge and skills, and to inculcate good financial values to the young adults
    Launched ‘Rumahku’ and ‘Duit Together’ online modules targeting specific segments of consumers
    Developed FE Portal in Q4 2019 which went live on 18 December 2019
  15. AKPK HQ and Kuala Lumpur branch moved to Menara Bumiputra Commerce, Jalan Raja Laut, Kuala Lumpur in June
    Small Debt Resolution Scheme (SDRS) function was entrusted to AKPK effective 1st September 2020
    AKPK supported all financial initiatives by the Ministry of Finance and all financial institutions pertaining to Financial Moratorium and Targeted Repayment Assistance campaigns
    Signed Memorandum of Understanding with Kementerian Perpaduan Negara and Aiqon Capital Group Sdn Bhd respectively
    Collaborated with HSBC Bank Malaysia Berhad for another year of ‘Kembara Bijak Wang’ event after a successful engagement in 2019
    Won ‘Best Public Sector Organisation’ and ‘CEO Champion for Public Sector Organisation’ in TalentCorp’s 2019 LIFE AT WORK Awards
  16. Signed Memorandum of Understanding with five (5) organisations respectively, i.e. Institut Kemajuan Islam Malaysia (IKIM), Bank Muamalat Malaysia Berhad, Cybersecurity Malaysia, Prudential Assurance Malaysia and CAGAMAS Berhad
    Organised four (4) public programmes nationwide, with close to 2,000 participants
    In November 2021, the Agency and the banking industry co-created and launched the Financial Management and Resilience Programme (URUS)
    Collaborated with HSBC Bank Malaysia Berhad for another year of 'Kembara Bijak Wang 3.0' event that garnered the highest number of participants, i.e. 6,334 students from 58 Institutions of Higher Learning nationwide
    AKPK celebrated its 15th Year Anniversary

AKPK logo explains our commitment to Malaysians


The Twin Curved Strokes

The twin curved strokes represent the consumer and the agency (AKPK). Its combination of a blue stroke (AKPK) and grey stroke (consumer) signifies AKPK’s guidance and assistance in helping consumers overcome barriers in financial issues and ascend towards better money management.



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.


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.

Early Adulthood
Adult – Middle Adulthood