The Credit Counselling and Debt Management Agency, or commonly known as Agensi Kaunseling dan Pengurusan Kredit (AKPK), is an agency set up by Bank Negara Malaysia in April 2006 to help individuals take control of their financial situation and gain peace of mind that comes from the wise use of credit.

Financial education on the responsible use of money and credit management skills.

Advice on financial management.

Debt management programme to assist consumers to regain financial control.


At the height of the financial boom in 2006, with consumer credit under control, Bank Negara Malaysia took a pre-emptive move by setting up Agensi Kaunseling dan Pengurusan Kredit (AKPK), an agency now benefiting countless Malaysians.


Agensi Kaunseling dan Pengurusan Kredit (AKPK) was established as part of Bank Negara Malaysia’s (BNM) Financial Sector Master Plan (2000 - 2010),
AKPK is a 10-year plan aimed at developing and boosting the country’s financial sector.


In a focus group study we conducted, we observed that the lack of knowledge in personal financial management was the main reason many individuals, both young and old, found themselves in debts they could not manage.

Bad money-managing habits stemming from the lack of understanding of the basic principles of finance was the main cause for individuals getting into financial difficulties.


However, the biggest challenge was to structure an approach that would complement a society that varies in racial, educational and socioeconomic background. We realised that in order to curb potentially surmounting financial issues among Malaysians, we would have to first educate the public to be financially savvy.

Hence, we provide an avenue where they can turn to for advice on personal financial-related matters.


Along with that, we also have to provide individuals, deep in the clutches of debt, an opportunity to get their life back on track through the provision of structured debt management services.

Board of Directors

Management Team

Chief Executive Officer
Encik Azaddin Ngah Tasir
General Manager, Corporate Development Division
Encik Azman Hasim
General Manager, Operations and Business Development Division
Puan Nor Fazleen Zakaria
General Manager, Education and Outreach Division
Encik Thomas Tan Koon Peng
IT Development and Cyber Security Department
Encik Mohd Azmi Mohd Supian
Channel Management Department
Encik Mansor Kesot @ Ali
Household Debt Management Department
Encik Hafazil Mohd Adam
SME Financial Education Department
Puan Nor Akmar Yaakub
Finance and Procurement Department
Encik Suzaidi Md Shaukat
Centralised Processing Centre Department
Encik Zamri Zainal
Household Financial Education Department
Puan Nirmala M.Supramaniam
Corporate Communications Department
Cik Sazlin Zainal Abidin
Human Capital and Administration Department
Encik Mohd Zuraidi Zakaria
SME Debt Management Department
Encik Mohammad Faizal Ahmad Zaiyad
Customer Experience Department
Puan Vijaya Sundramoorthy
Research Development Department
Encik Mohammad Mafrukhin Mokhtar
Risk and Quality Assurance Department
Encik Abdul Rahman Abdul
Business Technology and Digital Transformation Department
Puan Norsuraya Kasim

Corporate Culture

Learning is our Light.

Empathy is our Stride.

Productivity is our Might.

Integrity and Sincerity are our Guide.

Nobility is our Pride.