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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


Seek the Right Help

Empower yourself and see if our Debt Management Programme is right for you.

Our role is to empower Malaysians with good money management skills so that they can live their lives with manageable debts via our three (3) core services as follows:

Financial Education

AKPK provides programmes and materials on the proper use of credit and basic money management skills as well as tips on how to use credit responsibly.

Financial Advisory

AKPK provides and assists individuals with an in-depth evaluation of their financial problems and how they can overcome them.

Debt Management Programme

AKPK works with individuals in developing personalised debt repayment plans and consults credit providers to restructure/reschedule loans in line with the customer’s cash flow.

Here is a success story of how DMP has made a difference in a person’s life

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She is a single mother and was unemployed when she came to AKPK. Her husband died from a heart attack in his 40s and left her with three (3) children below the age of 15. Luckily, she was eligible for a pension of RM2,000 per month from her late husband’s social security. However, she was also left with monthly repayment obligations for the home she was living in and a car amounting to RM1,500. The balance of RM500 was obviously not enough for her living expenses with three (3) young children.

She was referred to AKPK by PERKESO on her debt issues. During her consultation with AKPK, it was ascertained that she needed RM1,300 monthly to cover the living expenses. Based on this budget, AKPK had restructured her home loan and car loan monthly repayments to ease her financial burden.

This is only one of the many cases of financially distressed individuals who had no one to turn to for help. AKPK’s Debt Management Programme has helped thousands of individuals like her and made a difference in their lives.

Free your mind with us.

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Management Programme

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Keen to learn more about planning for financial freedom, basic money management, or your current stage of life? Explore some great tips at our Financial Education section. This could be your stepping stone to becoming more financially knowledgeable!

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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