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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.


You’re Now at

AKPK's One Stop Portal


Debt Management Programme

Stressed out by your monthly expenses?
Having problems making your monthly repayments?

We are here to assist you with your financial difficulties with AKPK’s Debt Management Programme (DMP).

You determine your financial destiny.

When you enrol into DMP, you should be mentally ready to sacrifice your current lifestyle and be eager to keep the discipline of making repayments periodically to free yourself from the burden of debts in the future.

Apply DMP Now

The Process


DMP Application

  • To apply, go to our online form via this link: here
  • Select ‘Individual/Sole proprietor/SME’
  • Select ‘Individual/Sole Proprietor’.
  • Fill in the registration form.
  • After registration, you will receive an activation email.
  • Click the activation email and complete the application process.
  • You will need to provide a copy of your NRIC and proof of income. If you are self-employed, you are required to prepare a statutory declaration of your income, your latest CCRIS and any legal document, if any.
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Financial Advisory

  • AKPK financial advisors will call you to conduct an interview by phone.
  • Once your DMP registration is approved, you will need to make the first payment for the DMP to be activated.
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DMP Payment

  • What are the determinants of a successful DMP?
    1. Strong will and determination in getting back on track and moving on with life.
    2. Discipline in making payments as scheduled.
    3. Lifestyle adjustment.
    4. Willingness to make sacrifices for future freedom from debt.
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Full Settlement of Loan Under DMP

  • You will graduate from DMP upon early or normal settlement.

End of DMP

  • Your DMP will be terminated if you default on your monthly instalments.
  • You can also end your DMP by withdrawing from the programme after one (1) year.
  • DMP is WITHDRAWN upon receipt of notification of bankruptcy or death.
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Consequences of Enrolling into DMP

  • Withdrawal of credit lines.
  • Obtaining a new credit while enrolled in DMP is subject to the discretion of the financial service provider.
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What are the types of facilities provided?
What are the benefits of enrolling into DMP?
What are the consequences of enrolling into DMP?
What is CCRIS report?

Get Answers


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