DMP (Debt Management Programme) Application Process
Step 1: Online DMP Applicaion
- Pertinent information that are required for online submission includes personal details, cash flows (incomes & expenses), and creditors’ information.
- DMP applicants can choose and set a time for counselling at any of AKPK branches (except Perlis and Negeri Sembilan).
Step 2: Documents Required For Counselling Session
- Copy of identity card (MyKad).
- Latest income statement (whichever applies):
- Employed – 3 months’ income statement
- Self-employed – Statutory declaration (through commissioner for oath)
- Latest EPF statement.
- Latest CCRIS statement.
- Legal documents (if any).
- Other documents (whichever applies):
- Doctor’s report on critical illness(es)
- Spouse’s death certificate
- Confirmation letter from Jabatan Kebajikan Malaysia
- Confirmation on disability status
- Confirmation letter from PERKESO
- Medical bills for self and dependant(s)
- Utility bills
- Personal savings account statement
Step 3: Counselling
- In the counselling session, the credit counsellors will assess all of applicants’ income, expenses, loans and credits in order to restructure their debts with an affordable and reasonable monthly installment plan.
- If the new monthly installment plan is still unaffordable to the applicants, the credit counsellors will suggest a number of other options for them to pay off their debts.
Step 4: DMP Activation
- DMP applicants are required to make the first payment to AKPK within 10 days after being notified via email of their successful application.
- Should they fail to do so (within 10 days from the date of notice), they need to come again to the nearest AKPK branch for a discussion with the credit counsellors.
Step 5: Confirmation of enrolment into DMP
- Upon activation, DMP applicants can now download the programme’s letter of offer at AKPK’s Customer Portal.