
Artikel dari Berita Harian 11 Jun 2013
Georgetown: Agensi Kaunseling dan Pengurusan Kredit (AKPK) berjaya menyelesaikan 3,412 kes pengurusan kewangan bermasalah, kebanyakan membabitkan golongan berumur antara 20 hingga 30 tahun, sehingga 30 April tahun ini.
Kejayaan mengurangkan kadar jumlah hutang berkenaan dilakukan menerusi penawaran perkhidmatan kaunseling dan pengurusan kewangan berhemat yang dianjurkan agensi terbabit.
Sehubungan itu, AKPK menyasarkan sejuta pelanggan untuk mendapatkan perkhidmatan kaunseling dan pengurusan kewangan lebih berhemat, sekali gus membantu mengurangkan jumlah hutang isi rumah di negara ini.
Momentum terbaik
Ketua Eksekutifnya, Koid Swee Lian, berkata tahun lalu pelanggan yang mendapat khidmat AKPK seramai 650,000 orang membabitkan pelbagai lapisan masyarakat.
“AKPK mendapat momentum terbaik bagi mencari lebih ramai pelanggan, khususnya orang muda yang kini dilihat makin banyak menanggung hutang disebabkan ketidakcekapan menguruskan kewangan.
“Melalui perkhidmatan pengurusan kewangan di AKPK, kebanyakan orang muda yang menjadi pelanggan kami mula menunjukkan hasil positif apabila didapati mereka lebih berjimat cermat dan suka menggunakan debit daripada kad kredit bagi mengelak beban hutang lebih tinggi,” katanya pada sidang media selepas majlis taklimat Pengurusan Kewangan di Bank Negara Pulau Pinang, di sini, semalam.
Jalin kerjasama
Swee Lian berkata, sasaran menambah lebih ramai pelanggan ke AKPK akan tercapai apabila agensi itu bekerjasama dengan 75 institut pengajian tinggi (IPT) awam dan swasta.
“Selain bekerjasama dengan Bank Negara, AKPK juga bekerjasama dengan Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) serta IPT awam dan swasta bagi mendekati golongan mahasiswa supaya bijak menguruskan kewangan.
“Hasil kerjasama ini, AKPK berjaya menarik minat pengurusan IPT menawarkan kursus elektif sebanyak 40 jam kredit satu semester kepada mahasiswa mempelajari hal pengurusan kewangan secara berhemah,” katanya.
Swee Lian berkata, pihaknya berharap dapat membantu lebih ramai anggota masyarakat menguruskan kewangan dengan bijak bagi mengelak bebanan hutang tinggi.
Artikel dari Berita Harian 11 Jun 2013
Georgetown: Agensi Kaunseling dan Pengurusan Kredit (AKPK) berjaya menyelesaikan 3,412 kes pengurusan kewangan bermasalah, kebanyakan membabitkan golongan berumur antara 20 hingga 30 tahun, sehingga 30 April tahun ini.
Kejayaan mengurangkan kadar jumlah hutang berkenaan dilakukan menerusi penawaran perkhidmatan kaunseling dan pengurusan kewangan berhemat yang dianjurkan agensi terbabit.
Sehubungan itu, AKPK menyasarkan sejuta pelanggan untuk mendapatkan perkhidmatan kaunseling dan pengurusan kewangan lebih berhemat, sekali gus membantu mengurangkan jumlah hutang isi rumah di negara ini.
Momentum terbaik
Ketua Eksekutifnya, Koid Swee Lian, berkata tahun lalu pelanggan yang mendapat khidmat AKPK seramai 650,000 orang membabitkan pelbagai lapisan masyarakat.
“AKPK mendapat momentum terbaik bagi mencari lebih ramai pelanggan, khususnya orang muda yang kini dilihat makin banyak menanggung hutang disebabkan ketidakcekapan menguruskan kewangan.
“Melalui perkhidmatan pengurusan kewangan di AKPK, kebanyakan orang muda yang menjadi pelanggan kami mula menunjukkan hasil positif apabila didapati mereka lebih berjimat cermat dan suka menggunakan debit daripada kad kredit bagi mengelak beban hutang lebih tinggi,” katanya pada sidang media selepas majlis taklimat Pengurusan Kewangan di Bank Negara Pulau Pinang, di sini, semalam.
Jalin kerjasama
Swee Lian berkata, sasaran menambah lebih ramai pelanggan ke AKPK akan tercapai apabila agensi itu bekerjasama dengan 75 institut pengajian tinggi (IPT) awam dan swasta.
“Selain bekerjasama dengan Bank Negara, AKPK juga bekerjasama dengan Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) serta IPT awam dan swasta bagi mendekati golongan mahasiswa supaya bijak menguruskan kewangan.
“Hasil kerjasama ini, AKPK berjaya menarik minat pengurusan IPT menawarkan kursus elektif sebanyak 40 jam kredit satu semester kepada mahasiswa mempelajari hal pengurusan kewangan secara berhemah,” katanya.
Swee Lian berkata, pihaknya berharap dapat membantu lebih ramai anggota masyarakat menguruskan kewangan dengan bijak bagi mengelak bebanan hutang tinggi.
Jul 18, 2013 | financialmanagement
Artikel dari Berita Harian 11 Jun 2013
Georgetown: Agensi Kaunseling dan Pengurusan Kredit (AKPK) berjaya menyelesaikan 3,412 kes pengurusan kewangan bermasalah, kebanyakan membabitkan golongan berumur antara 20 hingga 30 tahun, sehingga 30 April tahun ini.
Kejayaan mengurangkan kadar jumlah hutang berkenaan dilakukan menerusi penawaran perkhidmatan kaunseling dan pengurusan kewangan berhemat yang dianjurkan agensi terbabit.
Sehubungan itu, AKPK menyasarkan sejuta pelanggan untuk mendapatkan perkhidmatan kaunseling dan pengurusan kewangan lebih berhemat, sekali gus membantu mengurangkan jumlah hutang isi rumah di negara ini.
Momentum terbaik
Ketua Eksekutifnya, Koid Swee Lian, berkata tahun lalu pelanggan yang mendapat khidmat AKPK seramai 650,000 orang membabitkan pelbagai lapisan masyarakat.
“AKPK mendapat momentum terbaik bagi mencari lebih ramai pelanggan, khususnya orang muda yang kini dilihat makin banyak menanggung hutang disebabkan ketidakcekapan menguruskan kewangan.
“Melalui perkhidmatan pengurusan kewangan di AKPK, kebanyakan orang muda yang menjadi pelanggan kami mula menunjukkan hasil positif apabila didapati mereka lebih berjimat cermat dan suka menggunakan debit daripada kad kredit bagi mengelak beban hutang lebih tinggi,” katanya pada sidang media selepas majlis taklimat Pengurusan Kewangan di Bank Negara Pulau Pinang, di sini, semalam.
Jalin kerjasama
Swee Lian berkata, sasaran menambah lebih ramai pelanggan ke AKPK akan tercapai apabila agensi itu bekerjasama dengan 75 institut pengajian tinggi (IPT) awam dan swasta.
“Selain bekerjasama dengan Bank Negara, AKPK juga bekerjasama dengan Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) serta IPT awam dan swasta bagi mendekati golongan mahasiswa supaya bijak menguruskan kewangan.
“Hasil kerjasama ini, AKPK berjaya menarik minat pengurusan IPT menawarkan kursus elektif sebanyak 40 jam kredit satu semester kepada mahasiswa mempelajari hal pengurusan kewangan secara berhemah,” katanya.
Swee Lian berkata, pihaknya berharap dapat membantu lebih ramai anggota masyarakat menguruskan kewangan dengan bijak bagi mengelak bebanan hutang tinggi.

Article from Ipoh Echo dated 16 June 2013
Despite being in existence since 2006, many people are still unaware of Agensi Kaunseling dan Pengurusan Kredit (Credit Counselling and Debt Management Agency) or simply, AKPK. This Bank Negara agency started out as an avenue to help people who are heavily in debt to get back on their feet by assisting in restructuring their borrowings.
The agency hopes to empower consumers with financial knowledge and to make prudent financial management a way of life for everyone.
During a briefing session in Ipoh recently, AKPK Chief Executive Officer, Koid Swee Lian shared with representatives from Ipoh-based financial institutions and members of the press, AKPK’s objectives and how their counsellors can help people who are in debt take charge of their finances once again.
Currently, there are three trained counsellors in Ipoh who can cater to the different communities. Providing one-to-one counselling, some of the initial questions they need answered would be the income of the debtor, expenses, financial assets and debt(s).
Based on this background information, the counsellor will identify expenses and ways to save money. He will then tailor a debt management programme, negotiating with multiple lenders if necessary. Once this schedule is accepted by the lenders, the one monthly repayment amount should not be difficult to meet, as it is always within the repayment capacity of the debtor.
Easy as this may sound, there are certain criteria that a person has to meet prior to enrolment into the debt management programme. Open only to individuals, they must have a positive net disposable income, have a cumulative debt not exceeding RM2 million and only from credit providers approved by Bank Negara Malaysia, not under advanced litigation or bankrupt.
The main challenge would be for the individual to be proactive in turning around his or her lifestyle and scale it down as much as possible.
To date, more than 200,000 people have come forward to AKPK for financial counselling and out of this almost 90,000 have enrolled in its debt management programme. So far, 3412 people have exited the programme, successfully clearing their debt with total outstanding of RM130.86 million.
There are many factors that contribute to mounting debts. They include poor financial planning, high medical expenses, loss of job and slowdown or failure in business. Many also get caught in credit card debt, personal loans, hire purchases and housing loans without fully understanding the impact of the high interest rate charged.
Those who would like to empower themselves with personal financial knowledge can do so by logging on to AKPK’s online learning portal:
On the other hand, anyone who is faced with a personal financial crisis and finds himself at his wits’ end should seek advice from AKPK. Services offered by the agency are free of charge.
Agensi Kaunseling Dan Pengurusan Kredit
(Credit Counselling And Debt Management Agency)
Address: Unit B-2-1, Greentown Square,
Jalan Dato’ Seri Ahmad Said, 30450 Ipoh, Perak.
Office hours: 8.30am – 5.30pm (Monday to Friday)
Toll free: 1-800-88-2575 Website: http://www.akpk.org.my
Article from Ipoh Echo dated 16 June 2013
Despite being in existence since 2006, many people are still unaware of Agensi Kaunseling dan Pengurusan Kredit (Credit Counselling and Debt Management Agency) or simply, AKPK. This Bank Negara agency started out as an avenue to help people who are heavily in debt to get back on their feet by assisting in restructuring their borrowings.
The agency hopes to empower consumers with financial knowledge and to make prudent financial management a way of life for everyone.
During a briefing session in Ipoh recently, AKPK Chief Executive Officer, Koid Swee Lian shared with representatives from Ipoh-based financial institutions and members of the press, AKPK’s objectives and how their counsellors can help people who are in debt take charge of their finances once again.
Currently, there are three trained counsellors in Ipoh who can cater to the different communities. Providing one-to-one counselling, some of the initial questions they need answered would be the income of the debtor, expenses, financial assets and debt(s).
Based on this background information, the counsellor will identify expenses and ways to save money. He will then tailor a debt management programme, negotiating with multiple lenders if necessary. Once this schedule is accepted by the lenders, the one monthly repayment amount should not be difficult to meet, as it is always within the repayment capacity of the debtor.
Easy as this may sound, there are certain criteria that a person has to meet prior to enrolment into the debt management programme. Open only to individuals, they must have a positive net disposable income, have a cumulative debt not exceeding RM2 million and only from credit providers approved by Bank Negara Malaysia, not under advanced litigation or bankrupt.
The main challenge would be for the individual to be proactive in turning around his or her lifestyle and scale it down as much as possible.
To date, more than 200,000 people have come forward to AKPK for financial counselling and out of this almost 90,000 have enrolled in its debt management programme. So far, 3412 people have exited the programme, successfully clearing their debt with total outstanding of RM130.86 million.
There are many factors that contribute to mounting debts. They include poor financial planning, high medical expenses, loss of job and slowdown or failure in business. Many also get caught in credit card debt, personal loans, hire purchases and housing loans without fully understanding the impact of the high interest rate charged.
Those who would like to empower themselves with personal financial knowledge can do so by logging on to AKPK’s online learning portal:
On the other hand, anyone who is faced with a personal financial crisis and finds himself at his wits’ end should seek advice from AKPK. Services offered by the agency are free of charge.
Agensi Kaunseling Dan Pengurusan Kredit
(Credit Counselling And Debt Management Agency)
Address: Unit B-2-1, Greentown Square,
Jalan Dato’ Seri Ahmad Said, 30450 Ipoh, Perak.
Office hours: 8.30am – 5.30pm (Monday to Friday)
Toll free: 1-800-88-2575 Website: http://www.akpk.org.my
Jul 18, 2013 | financialmanagement
Article from Ipoh Echo dated 16 June 2013
Despite being in existence since 2006, many people are still unaware of Agensi Kaunseling dan Pengurusan Kredit (Credit Counselling and Debt Management Agency) or simply, AKPK. This Bank Negara agency started out as an avenue to help people who are heavily in debt to get back on their feet by assisting in restructuring their borrowings.
The agency hopes to empower consumers with financial knowledge and to make prudent financial management a way of life for everyone.
During a briefing session in Ipoh recently, AKPK Chief Executive Officer, Koid Swee Lian shared with representatives from Ipoh-based financial institutions and members of the press, AKPK’s objectives and how their counsellors can help people who are in debt take charge of their finances once again.
Currently, there are three trained counsellors in Ipoh who can cater to the different communities. Providing one-to-one counselling, some of the initial questions they need answered would be the income of the debtor, expenses, financial assets and debt(s).
Based on this background information, the counsellor will identify expenses and ways to save money. He will then tailor a debt management programme, negotiating with multiple lenders if necessary. Once this schedule is accepted by the lenders, the one monthly repayment amount should not be difficult to meet, as it is always within the repayment capacity of the debtor.
Easy as this may sound, there are certain criteria that a person has to meet prior to enrolment into the debt management programme. Open only to individuals, they must have a positive net disposable income, have a cumulative debt not exceeding RM2 million and only from credit providers approved by Bank Negara Malaysia, not under advanced litigation or bankrupt.
The main challenge would be for the individual to be proactive in turning around his or her lifestyle and scale it down as much as possible.
To date, more than 200,000 people have come forward to AKPK for financial counselling and out of this almost 90,000 have enrolled in its debt management programme. So far, 3412 people have exited the programme, successfully clearing their debt with total outstanding of RM130.86 million.
There are many factors that contribute to mounting debts. They include poor financial planning, high medical expenses, loss of job and slowdown or failure in business. Many also get caught in credit card debt, personal loans, hire purchases and housing loans without fully understanding the impact of the high interest rate charged.
Those who would like to empower themselves with personal financial knowledge can do so by logging on to AKPK’s online learning portal:
On the other hand, anyone who is faced with a personal financial crisis and finds himself at his wits’ end should seek advice from AKPK. Services offered by the agency are free of charge.
Agensi Kaunseling Dan Pengurusan Kredit
(Credit Counselling And Debt Management Agency)
Address: Unit B-2-1, Greentown Square,
Jalan Dato’ Seri Ahmad Said, 30450 Ipoh, Perak.
Office hours: 8.30am – 5.30pm (Monday to Friday)
Toll free: 1-800-88-2575 Website: http://www.akpk.org.my

Peratusan Golongan Muda Malaysia Gagal Bayar Hutang Menurun, Kata AKPK
Categories: financialmanagementPetikan artikel dari BERNAMA Online, 10 Jun 2013
GEORGE TOWN, 10 Jun (Bernama) -- Peratusan golongan muda Malaysia yang gagal membayar hutang menurun kepada 10 peratus sehingga April tahun ini berbanding 15.8 peratus pada 2009, demikian menurut Agensi Kaunseling dan Pengurusan Kredit (AKPK).
Ia berkata generasi muda yang terlibat dalam program pengurusan hutang (DMP), lebih mahir dalam pengurusan kewangan dan kebanyakan mereka memilih menggunakan kad debit berbanding kad kredit.
"AKPK bimbang mengenai kumpulan umur 20 hingga 30 tahun memandangkan mereka sentiasa berhutang. Pengurangan ini menunjukkan petunjuk yang sihat," kata Ketua Pegawai Eksekutif AKPK Koid Swee Lian, kepada pemberita selepas taklimat institusi kewangan di sini Isnin.
Beliau berkata AKPK berharap pendidikan kredit dan kewangannya akan sampai kepada satu juta orang tahun ini berbanding 650,000 orang pada 2009 menerusi pameran bergerak serta usaha sama pintar.
Koid berkata menerusi DMP, punca kegagalan tertinggi dalam membayar hutang disebabkan oleh perancangan kewangan yang lemah (23 peratus sehingga April tahun ini) dan kos perubatan yang tinggi (20 peratus).
Katanya sehingga April lepas, 3,412 kes berjaya dikeluarkan daripada DMP AKPK dengan jumlah baki hutang sebanyak RM130.86 juta.
Koid berkata AKPK, bersama rakan pintarnya -- Minggu Saham Amanah Malaysia, unit bergerak LINK Bank Negara Malaysia, Perbadanan Tabung Pendidikan Tinggi Nasional dan institusi pengajian tinggi -- membantu mendidik orang ramai mengenai pengurusan hutang dan kewangan.
"Kira-kira 75 institusi pengajian tinggi juga menawarkan kursus pengurusan
kewangan peribadi yang berkesan bagi mengupayakan graduan muda supaya celik kewangan," katanya.
Ia antara lain membabitkan 40 jam pembelajaran, 14 jam pengajaran, lawatan belajar, peperiksaan dan seminar, katanya.
"Modul juga membabitkan program pengurusan aliran wang peribadi dengan yakin dan dapat membuat keputusan pengurusan kewangan dengan berhemat, empat jam yang dikenali sebagai Power!," katanya.
Peratusan Golongan Muda Malaysia Gagal Bayar Hutang Menurun, Kata AKPK
Categories: financialmanagementPetikan artikel dari BERNAMA Online, 10 Jun 2013
GEORGE TOWN, 10 Jun (Bernama) -- Peratusan golongan muda Malaysia yang gagal membayar hutang menurun kepada 10 peratus sehingga April tahun ini berbanding 15.8 peratus pada 2009, demikian menurut Agensi Kaunseling dan Pengurusan Kredit (AKPK).
Ia berkata generasi muda yang terlibat dalam program pengurusan hutang (DMP), lebih mahir dalam pengurusan kewangan dan kebanyakan mereka memilih menggunakan kad debit berbanding kad kredit.
"AKPK bimbang mengenai kumpulan umur 20 hingga 30 tahun memandangkan mereka sentiasa berhutang. Pengurangan ini menunjukkan petunjuk yang sihat," kata Ketua Pegawai Eksekutif AKPK Koid Swee Lian, kepada pemberita selepas taklimat institusi kewangan di sini Isnin.
Beliau berkata AKPK berharap pendidikan kredit dan kewangannya akan sampai kepada satu juta orang tahun ini berbanding 650,000 orang pada 2009 menerusi pameran bergerak serta usaha sama pintar.
Koid berkata menerusi DMP, punca kegagalan tertinggi dalam membayar hutang disebabkan oleh perancangan kewangan yang lemah (23 peratus sehingga April tahun ini) dan kos perubatan yang tinggi (20 peratus).
Katanya sehingga April lepas, 3,412 kes berjaya dikeluarkan daripada DMP AKPK dengan jumlah baki hutang sebanyak RM130.86 juta.
Koid berkata AKPK, bersama rakan pintarnya -- Minggu Saham Amanah Malaysia, unit bergerak LINK Bank Negara Malaysia, Perbadanan Tabung Pendidikan Tinggi Nasional dan institusi pengajian tinggi -- membantu mendidik orang ramai mengenai pengurusan hutang dan kewangan.
"Kira-kira 75 institusi pengajian tinggi juga menawarkan kursus pengurusan
kewangan peribadi yang berkesan bagi mengupayakan graduan muda supaya celik kewangan," katanya.
Ia antara lain membabitkan 40 jam pembelajaran, 14 jam pengajaran, lawatan belajar, peperiksaan dan seminar, katanya.
"Modul juga membabitkan program pengurusan aliran wang peribadi dengan yakin dan dapat membuat keputusan pengurusan kewangan dengan berhemat, empat jam yang dikenali sebagai Power!," katanya.
Jul 18, 2013 | financialmanagement
Peratusan Golongan Muda Malaysia Gagal Bayar Hutang Menurun, Kata AKPK
Categories: financialmanagementPetikan artikel dari BERNAMA Online, 10 Jun 2013
GEORGE TOWN, 10 Jun (Bernama) -- Peratusan golongan muda Malaysia yang gagal membayar hutang menurun kepada 10 peratus sehingga April tahun ini berbanding 15.8 peratus pada 2009, demikian menurut Agensi Kaunseling dan Pengurusan Kredit (AKPK).
Ia berkata generasi muda yang terlibat dalam program pengurusan hutang (DMP), lebih mahir dalam pengurusan kewangan dan kebanyakan mereka memilih menggunakan kad debit berbanding kad kredit.
"AKPK bimbang mengenai kumpulan umur 20 hingga 30 tahun memandangkan mereka sentiasa berhutang. Pengurangan ini menunjukkan petunjuk yang sihat," kata Ketua Pegawai Eksekutif AKPK Koid Swee Lian, kepada pemberita selepas taklimat institusi kewangan di sini Isnin.
Beliau berkata AKPK berharap pendidikan kredit dan kewangannya akan sampai kepada satu juta orang tahun ini berbanding 650,000 orang pada 2009 menerusi pameran bergerak serta usaha sama pintar.
Koid berkata menerusi DMP, punca kegagalan tertinggi dalam membayar hutang disebabkan oleh perancangan kewangan yang lemah (23 peratus sehingga April tahun ini) dan kos perubatan yang tinggi (20 peratus).
Katanya sehingga April lepas, 3,412 kes berjaya dikeluarkan daripada DMP AKPK dengan jumlah baki hutang sebanyak RM130.86 juta.
Koid berkata AKPK, bersama rakan pintarnya -- Minggu Saham Amanah Malaysia, unit bergerak LINK Bank Negara Malaysia, Perbadanan Tabung Pendidikan Tinggi Nasional dan institusi pengajian tinggi -- membantu mendidik orang ramai mengenai pengurusan hutang dan kewangan.
"Kira-kira 75 institusi pengajian tinggi juga menawarkan kursus pengurusan
kewangan peribadi yang berkesan bagi mengupayakan graduan muda supaya celik kewangan," katanya.
Ia antara lain membabitkan 40 jam pembelajaran, 14 jam pengajaran, lawatan belajar, peperiksaan dan seminar, katanya.
"Modul juga membabitkan program pengurusan aliran wang peribadi dengan yakin dan dapat membuat keputusan pengurusan kewangan dengan berhemat, empat jam yang dikenali sebagai Power!," katanya.

Percentage Of Young Malaysia Facing Debt Defaults Reduced, Says AKPK
Categories: financialmanagementArticle from BERNAMA Online dated 10 June 2013
GEORGE TOWN, June 10 (Bernama) -- The percentage of young Malaysians facing debt defaults has been reduced to 10 per cent as at April this year from 15.8 per cent in 2009, according to the Credit Counselling and Debt Management Agency (AKPK).
It said the younger generation under its Debt Management Programme (DMP) was more savvy in financial management and most of them preferred to use debit card instead of credit card.
"AKPK is concerned about those in the 20-30 age group as they are always in debt. The reduction now shows a healthy indication," AKPK's chief executive officer, Koid Swee Lian, told reporters after briefing financial institutions here Monday.
She said AKPK hoped that its credit and financial management education would reach out to one million people this year from 650,000 people in 2009 via active road shows and smart collaborations.
Koid said the reason for the highest default in servicing debt under its DMP was poor financial planning (23 per cent as at April this year) and high medical cost (20 per cent).
She said as at April this year, 3,412 cases were successfully exited from AKPK's DMP with a total outstanding debt of RM130.86 million.
Koid said AKPK, with its smart partners -- Minggu Saham Amanah Malaysia, Bank Negara Malaysia's Mobile LINK, Higher Education Corp's Loan Fund and higher learning institutions -- helped educate the public on financial and debt management.
"Some 75 institutions of higher learning are offering elective personal financial management courses to empower young graduates to be financial-savvy," she said.
It featured, among others, 40 learning hours, 14 teaching hours, study visits, examinations and seminars, she said.
"The module also features four hours of learning the agency's money and debt management programme called Power!," she said.
Percentage Of Young Malaysia Facing Debt Defaults Reduced, Says AKPK
Categories: financialmanagementArticle from BERNAMA Online dated 10 June 2013
GEORGE TOWN, June 10 (Bernama) -- The percentage of young Malaysians facing debt defaults has been reduced to 10 per cent as at April this year from 15.8 per cent in 2009, according to the Credit Counselling and Debt Management Agency (AKPK).
It said the younger generation under its Debt Management Programme (DMP) was more savvy in financial management and most of them preferred to use debit card instead of credit card.
"AKPK is concerned about those in the 20-30 age group as they are always in debt. The reduction now shows a healthy indication," AKPK's chief executive officer, Koid Swee Lian, told reporters after briefing financial institutions here Monday.
She said AKPK hoped that its credit and financial management education would reach out to one million people this year from 650,000 people in 2009 via active road shows and smart collaborations.
Koid said the reason for the highest default in servicing debt under its DMP was poor financial planning (23 per cent as at April this year) and high medical cost (20 per cent).
She said as at April this year, 3,412 cases were successfully exited from AKPK's DMP with a total outstanding debt of RM130.86 million.
Koid said AKPK, with its smart partners -- Minggu Saham Amanah Malaysia, Bank Negara Malaysia's Mobile LINK, Higher Education Corp's Loan Fund and higher learning institutions -- helped educate the public on financial and debt management.
"Some 75 institutions of higher learning are offering elective personal financial management courses to empower young graduates to be financial-savvy," she said.
It featured, among others, 40 learning hours, 14 teaching hours, study visits, examinations and seminars, she said.
"The module also features four hours of learning the agency's money and debt management programme called Power!," she said.
Jul 18, 2013 | financialmanagement
Percentage Of Young Malaysia Facing Debt Defaults Reduced, Says AKPK
Categories: financialmanagementArticle from BERNAMA Online dated 10 June 2013
GEORGE TOWN, June 10 (Bernama) -- The percentage of young Malaysians facing debt defaults has been reduced to 10 per cent as at April this year from 15.8 per cent in 2009, according to the Credit Counselling and Debt Management Agency (AKPK).
It said the younger generation under its Debt Management Programme (DMP) was more savvy in financial management and most of them preferred to use debit card instead of credit card.
"AKPK is concerned about those in the 20-30 age group as they are always in debt. The reduction now shows a healthy indication," AKPK's chief executive officer, Koid Swee Lian, told reporters after briefing financial institutions here Monday.
She said AKPK hoped that its credit and financial management education would reach out to one million people this year from 650,000 people in 2009 via active road shows and smart collaborations.
Koid said the reason for the highest default in servicing debt under its DMP was poor financial planning (23 per cent as at April this year) and high medical cost (20 per cent).
She said as at April this year, 3,412 cases were successfully exited from AKPK's DMP with a total outstanding debt of RM130.86 million.
Koid said AKPK, with its smart partners -- Minggu Saham Amanah Malaysia, Bank Negara Malaysia's Mobile LINK, Higher Education Corp's Loan Fund and higher learning institutions -- helped educate the public on financial and debt management.
"Some 75 institutions of higher learning are offering elective personal financial management courses to empower young graduates to be financial-savvy," she said.
It featured, among others, 40 learning hours, 14 teaching hours, study visits, examinations and seminars, she said.
"The module also features four hours of learning the agency's money and debt management programme called Power!," she said.

Article from The Star dated 11 June 2013
GEORGE TOWN: Some 3,412 people under the Bank Negara Debt Management Programme (DMP) have collectively settled RM130mil of their outstanding bank loans, reducing the number of people under the programme to 89,450 at present.
Bank Negara Credit Counselling and Debt Management Agency (AKPK) chief executive officer Koid Swee Lian said the number of young people under the DMP between the ages of 20 and 30 had also been reduced.
“In 2009, the percentage of young people under the DMP was 15.8%. Today, it has come down to 10%,” Koid said at a briefing following a talk on “Making Prudent Financial Management a Way of Life”.
Under the DMP, loan defaulters have a period of between six and 12 years to settle the amount owed to the banks under a special interest scheme.
This year, AKPK's objective was to reach out to one million people, said Koid. “So far, we have already covered 650,000 people in the country,” she added.
Koid said that poor financial planning was a key reason for loan defaults. “Some 23% of those under the DMP defaulted because of poor financial planning. Another 20% defaulted because of high medical bills,” she said.
Article from The Star dated 11 June 2013
GEORGE TOWN: Some 3,412 people under the Bank Negara Debt Management Programme (DMP) have collectively settled RM130mil of their outstanding bank loans, reducing the number of people under the programme to 89,450 at present.
Bank Negara Credit Counselling and Debt Management Agency (AKPK) chief executive officer Koid Swee Lian said the number of young people under the DMP between the ages of 20 and 30 had also been reduced.
“In 2009, the percentage of young people under the DMP was 15.8%. Today, it has come down to 10%,” Koid said at a briefing following a talk on “Making Prudent Financial Management a Way of Life”.
Under the DMP, loan defaulters have a period of between six and 12 years to settle the amount owed to the banks under a special interest scheme.
This year, AKPK's objective was to reach out to one million people, said Koid. “So far, we have already covered 650,000 people in the country,” she added.
Koid said that poor financial planning was a key reason for loan defaults. “Some 23% of those under the DMP defaulted because of poor financial planning. Another 20% defaulted because of high medical bills,” she said.
Jul 18, 2013 | financialmanagement
Article from The Star dated 11 June 2013
GEORGE TOWN: Some 3,412 people under the Bank Negara Debt Management Programme (DMP) have collectively settled RM130mil of their outstanding bank loans, reducing the number of people under the programme to 89,450 at present.
Bank Negara Credit Counselling and Debt Management Agency (AKPK) chief executive officer Koid Swee Lian said the number of young people under the DMP between the ages of 20 and 30 had also been reduced.
“In 2009, the percentage of young people under the DMP was 15.8%. Today, it has come down to 10%,” Koid said at a briefing following a talk on “Making Prudent Financial Management a Way of Life”.
Under the DMP, loan defaulters have a period of between six and 12 years to settle the amount owed to the banks under a special interest scheme.
This year, AKPK's objective was to reach out to one million people, said Koid. “So far, we have already covered 650,000 people in the country,” she added.
Koid said that poor financial planning was a key reason for loan defaults. “Some 23% of those under the DMP defaulted because of poor financial planning. Another 20% defaulted because of high medical bills,” she said.

Article from New Straits Times dated 10 June 2013
GEORGE TOWN: The percentage of young Malaysians facing debt defaults has been reduced to 10 per cent as at April this year from 15.8 per cent in 2009, according to the Credit Counselling and Debt Management Agency
(AKPK).
It said the younger generation under its Debt Management Programme (DMP) was more savvy in financial management and most of them preferred to use debit card instead of credit card.
"AKPK is concerned about those in the 20-30 age group as they are always in debt. The reduction now shows a healthy indication," AKPK's chief executive officer, Koid Swee Lian, told reporters after briefing financial institutions here today.
She said AKPK hoped that its credit and financial management education would reach out to one million people this year from 650,000 people in 2009 via active road shows and smart collaborations.
Koid said the reason for the highest default in servicing debt under its DMP was poor financial planning (23 per cent as at April this year) and high medical cost (20 per cent).
She said as at April this year, 3,412 cases were successfully exited from AKPK's DMP with a total outstanding debt of RM130.86 million.
Koid said AKPK, with its smart partners -- Minggu Saham Amanah Malaysia, Bank Negara Malaysia's Mobile LINK, Higher Education Corp's Loan Fund and higher learning institutions -- helped educate the public on financial and debt
management.
"Some 75 institutions of higher learning are offering elective personal financial management courses to empower young graduates to be financial-savvy," she said.
It featured, among others, 40 learning hours, 14 teaching hours, study visits, examinations and seminars, she said.
"The module also features four hours of learning the agency's money and debt management programme called Power!," she said.
Article from New Straits Times dated 10 June 2013
GEORGE TOWN: The percentage of young Malaysians facing debt defaults has been reduced to 10 per cent as at April this year from 15.8 per cent in 2009, according to the Credit Counselling and Debt Management Agency
(AKPK).
It said the younger generation under its Debt Management Programme (DMP) was more savvy in financial management and most of them preferred to use debit card instead of credit card.
"AKPK is concerned about those in the 20-30 age group as they are always in debt. The reduction now shows a healthy indication," AKPK's chief executive officer, Koid Swee Lian, told reporters after briefing financial institutions here today.
She said AKPK hoped that its credit and financial management education would reach out to one million people this year from 650,000 people in 2009 via active road shows and smart collaborations.
Koid said the reason for the highest default in servicing debt under its DMP was poor financial planning (23 per cent as at April this year) and high medical cost (20 per cent).
She said as at April this year, 3,412 cases were successfully exited from AKPK's DMP with a total outstanding debt of RM130.86 million.
Koid said AKPK, with its smart partners -- Minggu Saham Amanah Malaysia, Bank Negara Malaysia's Mobile LINK, Higher Education Corp's Loan Fund and higher learning institutions -- helped educate the public on financial and debt
management.
"Some 75 institutions of higher learning are offering elective personal financial management courses to empower young graduates to be financial-savvy," she said.
It featured, among others, 40 learning hours, 14 teaching hours, study visits, examinations and seminars, she said.
"The module also features four hours of learning the agency's money and debt management programme called Power!," she said.
Jul 18, 2013 | financialmanagement
Article from New Straits Times dated 10 June 2013
GEORGE TOWN: The percentage of young Malaysians facing debt defaults has been reduced to 10 per cent as at April this year from 15.8 per cent in 2009, according to the Credit Counselling and Debt Management Agency
(AKPK).
It said the younger generation under its Debt Management Programme (DMP) was more savvy in financial management and most of them preferred to use debit card instead of credit card.
"AKPK is concerned about those in the 20-30 age group as they are always in debt. The reduction now shows a healthy indication," AKPK's chief executive officer, Koid Swee Lian, told reporters after briefing financial institutions here today.
She said AKPK hoped that its credit and financial management education would reach out to one million people this year from 650,000 people in 2009 via active road shows and smart collaborations.
Koid said the reason for the highest default in servicing debt under its DMP was poor financial planning (23 per cent as at April this year) and high medical cost (20 per cent).
She said as at April this year, 3,412 cases were successfully exited from AKPK's DMP with a total outstanding debt of RM130.86 million.
Koid said AKPK, with its smart partners -- Minggu Saham Amanah Malaysia, Bank Negara Malaysia's Mobile LINK, Higher Education Corp's Loan Fund and higher learning institutions -- helped educate the public on financial and debt
management.
"Some 75 institutions of higher learning are offering elective personal financial management courses to empower young graduates to be financial-savvy," she said.
It featured, among others, 40 learning hours, 14 teaching hours, study visits, examinations and seminars, she said.
"The module also features four hours of learning the agency's money and debt management programme called Power!," she said.

Percentage of young Malaysia facing debt defaults reduced, says AKPK
Categories: financialmanagementArticle from Borneo Post, dated 11 June 2013
GEORGE TOWN: The percentage of young Malaysians facing debt defaults has been reduced to 10 per cent as at April this year from 15.8 per cent in 2009, according to the Credit Counselling and Debt Management Agency (AKPK).
It said the younger generation under its Debt Management Programme (DMP) was more savvy in financial management and most of them preferred to use debit cards instead of credit cards.
“AKPK is concerned about those in the 20 to 30 age group as they are always in debt.
“The reduction now shows a healthy indication,” AKPK’s chief executive officer, Koid Swee Lian, told reporters after briefing financial institutions here yesterday.
She said AKPK hoped that its credit and financial management education would reach out to one million people this year from 650,000 people in 2009 via active road shows and smart collaborations.
Koid said the reason for the highest default in servicing debt under its DMP was poor financial planning (23 per cent as at April this year) and high medical cost (20 per cent).
She said as at April this year, 3,412 cases were successfully exited from AKPK’s DMP with a total outstanding debt of RM130.86 million.
Koid said AKPK, with its smart partners – Minggu Saham Amanah Malaysia, Bank Negara Malaysia’s Mobile LINK, Higher Education Corp’s Loan Fund and higher learning institutions – helped educate the public on financial and debt management.
“Some 75 institutions of higher learning are offering elective personal financial management courses to empower young graduates to be financial-savvy,” she said.
It featured, among others, 40 learning hours, 14 teaching hours, study visits, examinations and seminars, she said.
“The module also features four hours of learning the agency’s money and debt management programme called Power!,” she said.
Percentage of young Malaysia facing debt defaults reduced, says AKPK
Categories: financialmanagementArticle from Borneo Post, dated 11 June 2013
GEORGE TOWN: The percentage of young Malaysians facing debt defaults has been reduced to 10 per cent as at April this year from 15.8 per cent in 2009, according to the Credit Counselling and Debt Management Agency (AKPK).
It said the younger generation under its Debt Management Programme (DMP) was more savvy in financial management and most of them preferred to use debit cards instead of credit cards.
“AKPK is concerned about those in the 20 to 30 age group as they are always in debt.
“The reduction now shows a healthy indication,” AKPK’s chief executive officer, Koid Swee Lian, told reporters after briefing financial institutions here yesterday.
She said AKPK hoped that its credit and financial management education would reach out to one million people this year from 650,000 people in 2009 via active road shows and smart collaborations.
Koid said the reason for the highest default in servicing debt under its DMP was poor financial planning (23 per cent as at April this year) and high medical cost (20 per cent).
She said as at April this year, 3,412 cases were successfully exited from AKPK’s DMP with a total outstanding debt of RM130.86 million.
Koid said AKPK, with its smart partners – Minggu Saham Amanah Malaysia, Bank Negara Malaysia’s Mobile LINK, Higher Education Corp’s Loan Fund and higher learning institutions – helped educate the public on financial and debt management.
“Some 75 institutions of higher learning are offering elective personal financial management courses to empower young graduates to be financial-savvy,” she said.
It featured, among others, 40 learning hours, 14 teaching hours, study visits, examinations and seminars, she said.
“The module also features four hours of learning the agency’s money and debt management programme called Power!,” she said.
Jul 19, 2013 | financialmanagement
Percentage of young Malaysia facing debt defaults reduced, says AKPK
Categories: financialmanagementArticle from Borneo Post, dated 11 June 2013
GEORGE TOWN: The percentage of young Malaysians facing debt defaults has been reduced to 10 per cent as at April this year from 15.8 per cent in 2009, according to the Credit Counselling and Debt Management Agency (AKPK).
It said the younger generation under its Debt Management Programme (DMP) was more savvy in financial management and most of them preferred to use debit cards instead of credit cards.
“AKPK is concerned about those in the 20 to 30 age group as they are always in debt.
“The reduction now shows a healthy indication,” AKPK’s chief executive officer, Koid Swee Lian, told reporters after briefing financial institutions here yesterday.
She said AKPK hoped that its credit and financial management education would reach out to one million people this year from 650,000 people in 2009 via active road shows and smart collaborations.
Koid said the reason for the highest default in servicing debt under its DMP was poor financial planning (23 per cent as at April this year) and high medical cost (20 per cent).
She said as at April this year, 3,412 cases were successfully exited from AKPK’s DMP with a total outstanding debt of RM130.86 million.
Koid said AKPK, with its smart partners – Minggu Saham Amanah Malaysia, Bank Negara Malaysia’s Mobile LINK, Higher Education Corp’s Loan Fund and higher learning institutions – helped educate the public on financial and debt management.
“Some 75 institutions of higher learning are offering elective personal financial management courses to empower young graduates to be financial-savvy,” she said.
It featured, among others, 40 learning hours, 14 teaching hours, study visits, examinations and seminars, she said.
“The module also features four hours of learning the agency’s money and debt management programme called Power!,” she said.

Petikan article dari Harian Metro, 11 Jun 2013
GEORGETOWN: Peratusan golongan muda Malaysia yang gagal membayar hutang menurun kepada 10 peratus sehingga April tahun ini berbanding 15.8 peratus pada 2009, demikian menurut Agensi Kaunseling dan Pengurusan Kredit (AKPK).
Ia berkata generasi muda yang terlibat dalam program pengurusan hutang (DMP), lebih mahir dalam pengurusan kewangan dan kebanyakan mereka memilih menggunakan kad debit berbanding kad kredit.
"AKPK bimbang mengenai kumpulan umur 20 hingga 30 tahun memandangkan mereka sentiasa berhutang.
Pengurangan ini menunjukkan petunjuk yang sihat," kata Ketua Pegawai Eksekutif AKPK Koid Swee Lian, kepada pemberita selepas taklimat institusi kewangan di sini hari ini.
Beliau berkata AKPK berharap pendidikan kredit dan kewangannya akan sampai kepada satu juta orang tahun ini berbanding 650,000 orang pada 2009 menerusi pameran bergerak serta usaha sama pintar.
Koid berkata menerusi DMP, punca kegagalan tertinggi dalam membayar hutang disebabkan oleh perancangan kewangan yang lemah (23 peratus sehingga April tahun ini) dan kos perubatan yang tinggi (20 peratus).
Katanya sehingga April lepas, 3,412 kes berjaya dikeluarkan daripada DMP AKPK dengan jumlah baki hutang sebanyak RM130.86 juta.
Koid berkata AKPK, bersama rakan pintarnya -- Minggu Saham Amanah Malaysia, unit bergerak LINK Bank Negara Malaysia, Perbadanan Tabung Pendidikan Tinggi Nasional dan institusi pengajian tinggi -- membantu
mendidik orang ramai mengenai pengurusan hutang dan kewangan.
"Kira-kira 75 institusi pengajian tinggi juga menawarkan kursus pengurusan kewangan peribadi yang berkesan bagi mengupayakan graduan muda supaya celik kewangan," katanya.
Ia antara lain membabitkan 40 jam pembelajaran, 14 jam pengajaran, lawatan belajar, peperiksaan dan seminar, katanya.
"Modul juga membabitkan program pengurusan aliran wang peribadi dengan yakin dan dapat membuat keputusan pengurusan kewangan dengan berhemat, empat jam yang dikenali sebagai Power!," katanya.
Petikan article dari Harian Metro, 11 Jun 2013
GEORGETOWN: Peratusan golongan muda Malaysia yang gagal membayar hutang menurun kepada 10 peratus sehingga April tahun ini berbanding 15.8 peratus pada 2009, demikian menurut Agensi Kaunseling dan Pengurusan Kredit (AKPK).
Ia berkata generasi muda yang terlibat dalam program pengurusan hutang (DMP), lebih mahir dalam pengurusan kewangan dan kebanyakan mereka memilih menggunakan kad debit berbanding kad kredit.
"AKPK bimbang mengenai kumpulan umur 20 hingga 30 tahun memandangkan mereka sentiasa berhutang.
Pengurangan ini menunjukkan petunjuk yang sihat," kata Ketua Pegawai Eksekutif AKPK Koid Swee Lian, kepada pemberita selepas taklimat institusi kewangan di sini hari ini.
Beliau berkata AKPK berharap pendidikan kredit dan kewangannya akan sampai kepada satu juta orang tahun ini berbanding 650,000 orang pada 2009 menerusi pameran bergerak serta usaha sama pintar.
Koid berkata menerusi DMP, punca kegagalan tertinggi dalam membayar hutang disebabkan oleh perancangan kewangan yang lemah (23 peratus sehingga April tahun ini) dan kos perubatan yang tinggi (20 peratus).
Katanya sehingga April lepas, 3,412 kes berjaya dikeluarkan daripada DMP AKPK dengan jumlah baki hutang sebanyak RM130.86 juta.
Koid berkata AKPK, bersama rakan pintarnya -- Minggu Saham Amanah Malaysia, unit bergerak LINK Bank Negara Malaysia, Perbadanan Tabung Pendidikan Tinggi Nasional dan institusi pengajian tinggi -- membantu
mendidik orang ramai mengenai pengurusan hutang dan kewangan.
"Kira-kira 75 institusi pengajian tinggi juga menawarkan kursus pengurusan kewangan peribadi yang berkesan bagi mengupayakan graduan muda supaya celik kewangan," katanya.
Ia antara lain membabitkan 40 jam pembelajaran, 14 jam pengajaran, lawatan belajar, peperiksaan dan seminar, katanya.
"Modul juga membabitkan program pengurusan aliran wang peribadi dengan yakin dan dapat membuat keputusan pengurusan kewangan dengan berhemat, empat jam yang dikenali sebagai Power!," katanya.
Jul 19, 2013 | financialmanagement
Petikan article dari Harian Metro, 11 Jun 2013
GEORGETOWN: Peratusan golongan muda Malaysia yang gagal membayar hutang menurun kepada 10 peratus sehingga April tahun ini berbanding 15.8 peratus pada 2009, demikian menurut Agensi Kaunseling dan Pengurusan Kredit (AKPK).
Ia berkata generasi muda yang terlibat dalam program pengurusan hutang (DMP), lebih mahir dalam pengurusan kewangan dan kebanyakan mereka memilih menggunakan kad debit berbanding kad kredit.
"AKPK bimbang mengenai kumpulan umur 20 hingga 30 tahun memandangkan mereka sentiasa berhutang.
Pengurangan ini menunjukkan petunjuk yang sihat," kata Ketua Pegawai Eksekutif AKPK Koid Swee Lian, kepada pemberita selepas taklimat institusi kewangan di sini hari ini.
Beliau berkata AKPK berharap pendidikan kredit dan kewangannya akan sampai kepada satu juta orang tahun ini berbanding 650,000 orang pada 2009 menerusi pameran bergerak serta usaha sama pintar.
Koid berkata menerusi DMP, punca kegagalan tertinggi dalam membayar hutang disebabkan oleh perancangan kewangan yang lemah (23 peratus sehingga April tahun ini) dan kos perubatan yang tinggi (20 peratus).
Katanya sehingga April lepas, 3,412 kes berjaya dikeluarkan daripada DMP AKPK dengan jumlah baki hutang sebanyak RM130.86 juta.
Koid berkata AKPK, bersama rakan pintarnya -- Minggu Saham Amanah Malaysia, unit bergerak LINK Bank Negara Malaysia, Perbadanan Tabung Pendidikan Tinggi Nasional dan institusi pengajian tinggi -- membantu
mendidik orang ramai mengenai pengurusan hutang dan kewangan.
"Kira-kira 75 institusi pengajian tinggi juga menawarkan kursus pengurusan kewangan peribadi yang berkesan bagi mengupayakan graduan muda supaya celik kewangan," katanya.
Ia antara lain membabitkan 40 jam pembelajaran, 14 jam pengajaran, lawatan belajar, peperiksaan dan seminar, katanya.
"Modul juga membabitkan program pengurusan aliran wang peribadi dengan yakin dan dapat membuat keputusan pengurusan kewangan dengan berhemat, empat jam yang dikenali sebagai Power!," katanya.

Artikel dari ABN News, 13 Julai 2013
KUALA LUMPUR – Agensi Kaunseling dan Pengurusan Kredit (AKPK) menyarankan agar orang awam membuat pinjaman kewangan daripada institusi kewangan sah yang dikawal selia oleh Bank Negara.
Langkah itu penting kerana institusi kewangan menawarkan kadar faedah berpatutan dan tidak membebankan.
Ia sekaligus dapat mengatasi masalah pinjaman daripada Ah long yang banyak menimbulkan masalah kerana mengenakan kadar bunga yang terlalu tinggi.
Perkara itu dinyatakan Pengurus Besar Bahagian Pengurusan Korporat AKPK Azman Hasim yang ditemui ABN News.
“Jika seseorang itu meminjam daripada Ah Long dia kena tahu bahawa risiko dia membayar balik pinjaman pada kadar faedah yang sangat tinggi.
“Lebih selamat saya boleh sarankan kepada orang ramai supay membuat pinjaman dengan bank yang dilesenkan yang sentiasa dikawal selia oleh bank negara,” kata beliau.
ABN News pada Rabu melaporkan terdapat ramai yang terjebak dengan hutang Ah Long.
Ketua Biro Pengaduan Awam MCA, Datuk Seri Michael Chong berkata, sama ada percaya atau tidak, jumlah hutang Ah Long yang dilaporkan kepadanya membabitkan nilai sebanyak RM22,782,774.00 dari awal tahun hingga 8 Julai lalu.
Apa yang menyedihkan, kebanyakan mangsa terdiri daripada mereka yang tamak dan terlalu ingin jadi cepat kaya.
Dalam pada itu, Azman memaklumkan, AKPK menyediakan perkhidmatan pendidikan kewangan tentang penggunaan kredit secara bertanggungjawab dan kemahiran pengurusan asas kewangan bagi mereka yang meminjam wang daripada institusi kewangan berlesen.
Sementara itu, AKPK juga menawarkan khidmat kepada orang ramai yang berdepan dengan masalah hutang.
Kata Azman, mereka yang terlibat perlu bertemu pihaknya secepat mungkin supaya masalah hutang seseorang itu tidak bertambah serius dan
membebankan.
“AKPK perlu mengambil masa agak panjang untuk berususan dengan pihak
bank, justeru mereka yang berdepan masalah hutang perlu segera menemui
kami.
“Mereka yang ingin mendapatkan perkhidmatan AKPK perlu melalui sesi
kauseling dan seterusnya mereka akan dibantu bagi menstruktur semula bajet
termasuk pembayaran hutang semula selaras dengan jumlah pendapatan
semasa,” katanya.
Azman menambah, sehingga Mei 2013, lebih 222,942 pelanggan telah mendapatkan perkhidmatan kaunseling daripada AKPK dan 90,807 daripada
mereka telah dibantu melalui program pengurusan kredit.
“Apa yang menarik, mereka yang memasuki program pengurusan hutang di
bawah AKPK akan mendapat perlindungaan dari segi moratorium atas
tindakan undang –undang yang diambil pihak bank.
“Selama tempoh mereka berada dalam program pengurusan hutang AKPK,
segala tindakan undang-undang yang dimulakan pihak bank untuk
mendapatkan semula pinjaman itu akan dihentikan sementara,” ujar beliau.
Berdasarkan rekod AKPK, kaum lelaki dilihat tidak malu untuk bertemu AKPK
dan statistik menunjukkan 70 peratus pelanggan badan itu adalah kaum adam.
Menurut Azman lagi, sebagai jalan selamat, orang awam perlu berbelanja
mengikut kemampuan agar mereka tidak terjebak ke dalam beban hutang.
Artikel dari ABN News, 13 Julai 2013
KUALA LUMPUR – Agensi Kaunseling dan Pengurusan Kredit (AKPK) menyarankan agar orang awam membuat pinjaman kewangan daripada institusi kewangan sah yang dikawal selia oleh Bank Negara.
Langkah itu penting kerana institusi kewangan menawarkan kadar faedah berpatutan dan tidak membebankan.
Ia sekaligus dapat mengatasi masalah pinjaman daripada Ah long yang banyak menimbulkan masalah kerana mengenakan kadar bunga yang terlalu tinggi.
Perkara itu dinyatakan Pengurus Besar Bahagian Pengurusan Korporat AKPK Azman Hasim yang ditemui ABN News.
“Jika seseorang itu meminjam daripada Ah Long dia kena tahu bahawa risiko dia membayar balik pinjaman pada kadar faedah yang sangat tinggi.
“Lebih selamat saya boleh sarankan kepada orang ramai supay membuat pinjaman dengan bank yang dilesenkan yang sentiasa dikawal selia oleh bank negara,” kata beliau.
ABN News pada Rabu melaporkan terdapat ramai yang terjebak dengan hutang Ah Long.
Ketua Biro Pengaduan Awam MCA, Datuk Seri Michael Chong berkata, sama ada percaya atau tidak, jumlah hutang Ah Long yang dilaporkan kepadanya membabitkan nilai sebanyak RM22,782,774.00 dari awal tahun hingga 8 Julai lalu.
Apa yang menyedihkan, kebanyakan mangsa terdiri daripada mereka yang tamak dan terlalu ingin jadi cepat kaya.
Dalam pada itu, Azman memaklumkan, AKPK menyediakan perkhidmatan pendidikan kewangan tentang penggunaan kredit secara bertanggungjawab dan kemahiran pengurusan asas kewangan bagi mereka yang meminjam wang daripada institusi kewangan berlesen.
Sementara itu, AKPK juga menawarkan khidmat kepada orang ramai yang berdepan dengan masalah hutang.
Kata Azman, mereka yang terlibat perlu bertemu pihaknya secepat mungkin supaya masalah hutang seseorang itu tidak bertambah serius dan
membebankan.
“AKPK perlu mengambil masa agak panjang untuk berususan dengan pihak
bank, justeru mereka yang berdepan masalah hutang perlu segera menemui
kami.
“Mereka yang ingin mendapatkan perkhidmatan AKPK perlu melalui sesi
kauseling dan seterusnya mereka akan dibantu bagi menstruktur semula bajet
termasuk pembayaran hutang semula selaras dengan jumlah pendapatan
semasa,” katanya.
Azman menambah, sehingga Mei 2013, lebih 222,942 pelanggan telah mendapatkan perkhidmatan kaunseling daripada AKPK dan 90,807 daripada
mereka telah dibantu melalui program pengurusan kredit.
“Apa yang menarik, mereka yang memasuki program pengurusan hutang di
bawah AKPK akan mendapat perlindungaan dari segi moratorium atas
tindakan undang –undang yang diambil pihak bank.
“Selama tempoh mereka berada dalam program pengurusan hutang AKPK,
segala tindakan undang-undang yang dimulakan pihak bank untuk
mendapatkan semula pinjaman itu akan dihentikan sementara,” ujar beliau.
Berdasarkan rekod AKPK, kaum lelaki dilihat tidak malu untuk bertemu AKPK
dan statistik menunjukkan 70 peratus pelanggan badan itu adalah kaum adam.
Menurut Azman lagi, sebagai jalan selamat, orang awam perlu berbelanja
mengikut kemampuan agar mereka tidak terjebak ke dalam beban hutang.
Jul 31, 2013 | financialmanagement
Artikel dari ABN News, 13 Julai 2013
KUALA LUMPUR – Agensi Kaunseling dan Pengurusan Kredit (AKPK) menyarankan agar orang awam membuat pinjaman kewangan daripada institusi kewangan sah yang dikawal selia oleh Bank Negara.
Langkah itu penting kerana institusi kewangan menawarkan kadar faedah berpatutan dan tidak membebankan.
Ia sekaligus dapat mengatasi masalah pinjaman daripada Ah long yang banyak menimbulkan masalah kerana mengenakan kadar bunga yang terlalu tinggi.
Perkara itu dinyatakan Pengurus Besar Bahagian Pengurusan Korporat AKPK Azman Hasim yang ditemui ABN News.
“Jika seseorang itu meminjam daripada Ah Long dia kena tahu bahawa risiko dia membayar balik pinjaman pada kadar faedah yang sangat tinggi.
“Lebih selamat saya boleh sarankan kepada orang ramai supay membuat pinjaman dengan bank yang dilesenkan yang sentiasa dikawal selia oleh bank negara,” kata beliau.
ABN News pada Rabu melaporkan terdapat ramai yang terjebak dengan hutang Ah Long.
Ketua Biro Pengaduan Awam MCA, Datuk Seri Michael Chong berkata, sama ada percaya atau tidak, jumlah hutang Ah Long yang dilaporkan kepadanya membabitkan nilai sebanyak RM22,782,774.00 dari awal tahun hingga 8 Julai lalu.
Apa yang menyedihkan, kebanyakan mangsa terdiri daripada mereka yang tamak dan terlalu ingin jadi cepat kaya.
Dalam pada itu, Azman memaklumkan, AKPK menyediakan perkhidmatan pendidikan kewangan tentang penggunaan kredit secara bertanggungjawab dan kemahiran pengurusan asas kewangan bagi mereka yang meminjam wang daripada institusi kewangan berlesen.
Sementara itu, AKPK juga menawarkan khidmat kepada orang ramai yang berdepan dengan masalah hutang.
Kata Azman, mereka yang terlibat perlu bertemu pihaknya secepat mungkin supaya masalah hutang seseorang itu tidak bertambah serius dan
membebankan.
“AKPK perlu mengambil masa agak panjang untuk berususan dengan pihak
bank, justeru mereka yang berdepan masalah hutang perlu segera menemui
kami.
“Mereka yang ingin mendapatkan perkhidmatan AKPK perlu melalui sesi
kauseling dan seterusnya mereka akan dibantu bagi menstruktur semula bajet
termasuk pembayaran hutang semula selaras dengan jumlah pendapatan
semasa,” katanya.
Azman menambah, sehingga Mei 2013, lebih 222,942 pelanggan telah mendapatkan perkhidmatan kaunseling daripada AKPK dan 90,807 daripada
mereka telah dibantu melalui program pengurusan kredit.
“Apa yang menarik, mereka yang memasuki program pengurusan hutang di
bawah AKPK akan mendapat perlindungaan dari segi moratorium atas
tindakan undang –undang yang diambil pihak bank.
“Selama tempoh mereka berada dalam program pengurusan hutang AKPK,
segala tindakan undang-undang yang dimulakan pihak bank untuk
mendapatkan semula pinjaman itu akan dihentikan sementara,” ujar beliau.
Berdasarkan rekod AKPK, kaum lelaki dilihat tidak malu untuk bertemu AKPK
dan statistik menunjukkan 70 peratus pelanggan badan itu adalah kaum adam.
Menurut Azman lagi, sebagai jalan selamat, orang awam perlu berbelanja
mengikut kemampuan agar mereka tidak terjebak ke dalam beban hutang.

Article from the New Straits Times dated 4 July 2013
KUALA LUMPUR: Su Cheng, who earns about RM2,000 a month, had four credit cards to support her lavish lifestyle.
Without realising it, she began to fall into the credit card debt trap as she withdrew cash advances from one card to cover the minimum payment of
another card.
Her financial situation worsened when she hit the maximum credit limit, and most of her income went to making the repayments.
Another couple, who wanted to be known only as Salim and Adriana, thought they could afford to have a lavish lifestyle as their combined income was more than RM10,000 a month. However, things got tougher when Adriana had to quit her job to take care of their children.
Nearly 80 per cent of their income had to go to paying off their credit card debt.
Alex, a young marketing executive who bought a house and signed on as the co-borrower for the housing loan, suddenly faced a major hurdle when his father, who was the primary financial provider, was diagnosed with a critical illness.
This caused an additional financial burden on Alex. He decided to make up for his financial short-fall by getting credit cards and personal loans. Soon, he defaulted on his monthly housing payments and faced legal action.
These young people were among the 222,942 individuals who sought help from the Credit Counselling and Debt Management Agency (AKPK) service until the end of May.
They sought financial advice on how to get their personal financial situation back on track.
AKPK's records show that 23 per cent seeking counselling cited poor financial planning as the main reason for them ending up in debt and defaulting on their loans.
AKPK head of corporate communications Mohamad Khalil Jamaldin said the agency provided counselling on financial management, including tips on using financial budgeting to manage expenses. AKPK assisted financially distressed consumers regain financial control.
Khalil advised the public to use AKPK's web application or banking calculators to make their monthly budgeting easier.
Debtors can also join AKPK's Debt Management Programme, which guides them in settling their debts in line with their income. Until the end of May, 90,807 applicants had joined the programme.
Insolvency Department head of corporate communications Shamsiah Chee Ros said people were declared bankrupt mainly because they maintained a lavish lifestyle and had poor financial planning. Another factor was the improper use of credit cards. "To maintain their lavish lifestyle, they often fail to differentiate between their wants and needs," Shamsiah said.
She said that failure to make repayments on credit card purchases accounted for 4.18 per cent of of bankruptcy cases, while debts due to hire purchase loans accounted for 25.79 per cent.
According to Bank Negara statistics, up till March, the highest amount of loans given was for residential properties (RM312.8 billion) and the second highest (RM144.1 billion) was for the purchase of cars.
Article from the New Straits Times dated 4 July 2013
KUALA LUMPUR: Su Cheng, who earns about RM2,000 a month, had four credit cards to support her lavish lifestyle.
Without realising it, she began to fall into the credit card debt trap as she withdrew cash advances from one card to cover the minimum payment of
another card.
Her financial situation worsened when she hit the maximum credit limit, and most of her income went to making the repayments.
Another couple, who wanted to be known only as Salim and Adriana, thought they could afford to have a lavish lifestyle as their combined income was more than RM10,000 a month. However, things got tougher when Adriana had to quit her job to take care of their children.
Nearly 80 per cent of their income had to go to paying off their credit card debt.
Alex, a young marketing executive who bought a house and signed on as the co-borrower for the housing loan, suddenly faced a major hurdle when his father, who was the primary financial provider, was diagnosed with a critical illness.
This caused an additional financial burden on Alex. He decided to make up for his financial short-fall by getting credit cards and personal loans. Soon, he defaulted on his monthly housing payments and faced legal action.
These young people were among the 222,942 individuals who sought help from the Credit Counselling and Debt Management Agency (AKPK) service until the end of May.
They sought financial advice on how to get their personal financial situation back on track.
AKPK's records show that 23 per cent seeking counselling cited poor financial planning as the main reason for them ending up in debt and defaulting on their loans.
AKPK head of corporate communications Mohamad Khalil Jamaldin said the agency provided counselling on financial management, including tips on using financial budgeting to manage expenses. AKPK assisted financially distressed consumers regain financial control.
Khalil advised the public to use AKPK's web application or banking calculators to make their monthly budgeting easier.
Debtors can also join AKPK's Debt Management Programme, which guides them in settling their debts in line with their income. Until the end of May, 90,807 applicants had joined the programme.
Insolvency Department head of corporate communications Shamsiah Chee Ros said people were declared bankrupt mainly because they maintained a lavish lifestyle and had poor financial planning. Another factor was the improper use of credit cards. "To maintain their lavish lifestyle, they often fail to differentiate between their wants and needs," Shamsiah said.
She said that failure to make repayments on credit card purchases accounted for 4.18 per cent of of bankruptcy cases, while debts due to hire purchase loans accounted for 25.79 per cent.
According to Bank Negara statistics, up till March, the highest amount of loans given was for residential properties (RM312.8 billion) and the second highest (RM144.1 billion) was for the purchase of cars.
Jul 31, 2013 | financialmanagement
Article from the New Straits Times dated 4 July 2013
KUALA LUMPUR: Su Cheng, who earns about RM2,000 a month, had four credit cards to support her lavish lifestyle.
Without realising it, she began to fall into the credit card debt trap as she withdrew cash advances from one card to cover the minimum payment of
another card.
Her financial situation worsened when she hit the maximum credit limit, and most of her income went to making the repayments.
Another couple, who wanted to be known only as Salim and Adriana, thought they could afford to have a lavish lifestyle as their combined income was more than RM10,000 a month. However, things got tougher when Adriana had to quit her job to take care of their children.
Nearly 80 per cent of their income had to go to paying off their credit card debt.
Alex, a young marketing executive who bought a house and signed on as the co-borrower for the housing loan, suddenly faced a major hurdle when his father, who was the primary financial provider, was diagnosed with a critical illness.
This caused an additional financial burden on Alex. He decided to make up for his financial short-fall by getting credit cards and personal loans. Soon, he defaulted on his monthly housing payments and faced legal action.
These young people were among the 222,942 individuals who sought help from the Credit Counselling and Debt Management Agency (AKPK) service until the end of May.
They sought financial advice on how to get their personal financial situation back on track.
AKPK's records show that 23 per cent seeking counselling cited poor financial planning as the main reason for them ending up in debt and defaulting on their loans.
AKPK head of corporate communications Mohamad Khalil Jamaldin said the agency provided counselling on financial management, including tips on using financial budgeting to manage expenses. AKPK assisted financially distressed consumers regain financial control.
Khalil advised the public to use AKPK's web application or banking calculators to make their monthly budgeting easier.
Debtors can also join AKPK's Debt Management Programme, which guides them in settling their debts in line with their income. Until the end of May, 90,807 applicants had joined the programme.
Insolvency Department head of corporate communications Shamsiah Chee Ros said people were declared bankrupt mainly because they maintained a lavish lifestyle and had poor financial planning. Another factor was the improper use of credit cards. "To maintain their lavish lifestyle, they often fail to differentiate between their wants and needs," Shamsiah said.
She said that failure to make repayments on credit card purchases accounted for 4.18 per cent of of bankruptcy cases, while debts due to hire purchase loans accounted for 25.79 per cent.
According to Bank Negara statistics, up till March, the highest amount of loans given was for residential properties (RM312.8 billion) and the second highest (RM144.1 billion) was for the purchase of cars.

Artikel dari Sinar Harian, 25 Julai 2013
KUALA LUMPUR - Lembaga Penduduk dan Pembangunan Keluarga Negara (LPPKN) menjalin kerjasama dengan Agensi Kaunseling dan Pengurusan Kredit (AKPK) bagi memberi pendidikan dari segi pengurusan kewangan kepada keluarga yang berpendapatan rendah.
Ketua Pengarah LPPKN Dr Siti Norlasiah Ismail berkata Indeks Kesejahteraan
Keluarga Malaysia 2011 menunjukkan tahap ekonomi keluarga berada pada tahap yang paling rendah dan perlu dipertingkatkan untuk mencapai kesejahteraan negara.
Katanya inisiatif yang turut dijalin dengan sebuah badan bukan kerajaan itu sebagai memberi pendidikan mengenai kaedah untuk mengurus kewangan mereka dengan bijak.
"Apabila kajian ini dijalankan, ia mengesahkan bahawa keluarga mesti tahu cara mengurus tabungan keluarga walaupun dengan duit yang sedikit dan mereka juga didapati tidak menyediakan tabung kecemasan.
"Jika mereka tahu keutamaan yang perlu mereka belanja, maka mereka tahu cara mengurus wang mereka," katanya pada sidang media selepas memberi taklimat berhubung kajian tersebut, di sini hari ini.
Kajian yang merupakan inisiatif pertama anjuran LPPKN itu dilaksanakan pada setiap tiga tahun dan antara mekanisme untuk mengukur tahap kesejahteraan sesebuah keluarga di negara ini.
Ia telah dijalankan ke atas 2,808 buah isi rumah yang melibatkan 5,616 responden.
Hasil kajian mendapati Indeks Kesejahteraan Keluarga dicatatkan pada 7.55 pada skor maksimum 10, yang menunjukkan tahap kesejahteraan keluarga Malaysia berada pada paras yang sederhana.
Daripada tujuh domain yang dikenal pasti, domain Keluarga dan Agama/Kerohanian mencatatkan skor domain tertinggi iaitu 8.25, diikuti Keluarga dan Komuniti (7.83), Hubungan Kekeluargaan (7.82), Keselamatan Keluarga (7.39), Kesihatan Keluarga (7.38), Keluarga dan Persekitaran (7.28) dan Ekonomi Keluarga (6.9).
Dr Siti Norlasiah berkata LPPKN turut mengadakan program SMARTbelanja yang bertujuan mengawal pendapatan yang diperoleh melalui perbelanjaan berhemah kepada keluarga yang memerlukan nasihat berhubung kewangan.
Katanya masyarakat perlu dididik untuk mengurus kewangan dengan bijak dan kepentingan mempunyai simpanan terutama kepada golongan muda. - Bernama
Artikel dari Sinar Harian, 25 Julai 2013
KUALA LUMPUR - Lembaga Penduduk dan Pembangunan Keluarga Negara (LPPKN) menjalin kerjasama dengan Agensi Kaunseling dan Pengurusan Kredit (AKPK) bagi memberi pendidikan dari segi pengurusan kewangan kepada keluarga yang berpendapatan rendah.
Ketua Pengarah LPPKN Dr Siti Norlasiah Ismail berkata Indeks Kesejahteraan
Keluarga Malaysia 2011 menunjukkan tahap ekonomi keluarga berada pada tahap yang paling rendah dan perlu dipertingkatkan untuk mencapai kesejahteraan negara.
Katanya inisiatif yang turut dijalin dengan sebuah badan bukan kerajaan itu sebagai memberi pendidikan mengenai kaedah untuk mengurus kewangan mereka dengan bijak.
"Apabila kajian ini dijalankan, ia mengesahkan bahawa keluarga mesti tahu cara mengurus tabungan keluarga walaupun dengan duit yang sedikit dan mereka juga didapati tidak menyediakan tabung kecemasan.
"Jika mereka tahu keutamaan yang perlu mereka belanja, maka mereka tahu cara mengurus wang mereka," katanya pada sidang media selepas memberi taklimat berhubung kajian tersebut, di sini hari ini.
Kajian yang merupakan inisiatif pertama anjuran LPPKN itu dilaksanakan pada setiap tiga tahun dan antara mekanisme untuk mengukur tahap kesejahteraan sesebuah keluarga di negara ini.
Ia telah dijalankan ke atas 2,808 buah isi rumah yang melibatkan 5,616 responden.
Hasil kajian mendapati Indeks Kesejahteraan Keluarga dicatatkan pada 7.55 pada skor maksimum 10, yang menunjukkan tahap kesejahteraan keluarga Malaysia berada pada paras yang sederhana.
Daripada tujuh domain yang dikenal pasti, domain Keluarga dan Agama/Kerohanian mencatatkan skor domain tertinggi iaitu 8.25, diikuti Keluarga dan Komuniti (7.83), Hubungan Kekeluargaan (7.82), Keselamatan Keluarga (7.39), Kesihatan Keluarga (7.38), Keluarga dan Persekitaran (7.28) dan Ekonomi Keluarga (6.9).
Dr Siti Norlasiah berkata LPPKN turut mengadakan program SMARTbelanja yang bertujuan mengawal pendapatan yang diperoleh melalui perbelanjaan berhemah kepada keluarga yang memerlukan nasihat berhubung kewangan.
Katanya masyarakat perlu dididik untuk mengurus kewangan dengan bijak dan kepentingan mempunyai simpanan terutama kepada golongan muda. - Bernama
Jul 31, 2013 | financialmanagement
Artikel dari Sinar Harian, 25 Julai 2013
KUALA LUMPUR - Lembaga Penduduk dan Pembangunan Keluarga Negara (LPPKN) menjalin kerjasama dengan Agensi Kaunseling dan Pengurusan Kredit (AKPK) bagi memberi pendidikan dari segi pengurusan kewangan kepada keluarga yang berpendapatan rendah.
Ketua Pengarah LPPKN Dr Siti Norlasiah Ismail berkata Indeks Kesejahteraan
Keluarga Malaysia 2011 menunjukkan tahap ekonomi keluarga berada pada tahap yang paling rendah dan perlu dipertingkatkan untuk mencapai kesejahteraan negara.
Katanya inisiatif yang turut dijalin dengan sebuah badan bukan kerajaan itu sebagai memberi pendidikan mengenai kaedah untuk mengurus kewangan mereka dengan bijak.
"Apabila kajian ini dijalankan, ia mengesahkan bahawa keluarga mesti tahu cara mengurus tabungan keluarga walaupun dengan duit yang sedikit dan mereka juga didapati tidak menyediakan tabung kecemasan.
"Jika mereka tahu keutamaan yang perlu mereka belanja, maka mereka tahu cara mengurus wang mereka," katanya pada sidang media selepas memberi taklimat berhubung kajian tersebut, di sini hari ini.
Kajian yang merupakan inisiatif pertama anjuran LPPKN itu dilaksanakan pada setiap tiga tahun dan antara mekanisme untuk mengukur tahap kesejahteraan sesebuah keluarga di negara ini.
Ia telah dijalankan ke atas 2,808 buah isi rumah yang melibatkan 5,616 responden.
Hasil kajian mendapati Indeks Kesejahteraan Keluarga dicatatkan pada 7.55 pada skor maksimum 10, yang menunjukkan tahap kesejahteraan keluarga Malaysia berada pada paras yang sederhana.
Daripada tujuh domain yang dikenal pasti, domain Keluarga dan Agama/Kerohanian mencatatkan skor domain tertinggi iaitu 8.25, diikuti Keluarga dan Komuniti (7.83), Hubungan Kekeluargaan (7.82), Keselamatan Keluarga (7.39), Kesihatan Keluarga (7.38), Keluarga dan Persekitaran (7.28) dan Ekonomi Keluarga (6.9).
Dr Siti Norlasiah berkata LPPKN turut mengadakan program SMARTbelanja yang bertujuan mengawal pendapatan yang diperoleh melalui perbelanjaan berhemah kepada keluarga yang memerlukan nasihat berhubung kewangan.
Katanya masyarakat perlu dididik untuk mengurus kewangan dengan bijak dan kepentingan mempunyai simpanan terutama kepada golongan muda. - Bernama

Article from the New Straits Times dated 10 July 2013
SETTING AN EXAMPLE: Children should be thought the value of money
BUKIT MERTAJAM: WITH Hari Raya Aidilfitri just around the corner, and household debt at an all-time high, prudence should be the order of the day.
Parents were yesterday advised to minimise the amount of duit raya given to their children and to save the rest or invest it in a long-term investment plan.
Credit Counselling and Debt Management Agency (AKPK) corporate
communications head Mohamad Khalil Jamaldin said giving duit raya in the form of investment would be a good way of teaching children the value of money.
"Parents can also give their children precious metals (gold or silver) of small denominations to kick start their wealth building."
He said some parents who preferred to invest in Amanah Saham Bumiputera (ASB) and Permodalan Nasional Bhd (PNB) for their children instead of giving money during Hari Raya.
"For many children, Hari Raya will not be the same without getting duit raya, so parents should set aside a small amount of cash to be given to them in the spirit of the festivities," he said, adding that parents should take a more proactive approach with their children's spending habits.
Khalil said the degree of intervention in a child's finances would depend on his or her spending habits.
"If the parents noticed their child is saving money and prudent with his expenses, then monitoring and evaluating his spending habits would be sufficient.
"However, if the child is spendthrift, then the parents will have to instil better money managing habits."
Khalil said parents should encourage their children to save money from young as it would assist them to make better financial decisions.
"Parents can instil the habit of saving in their children by providing financial education to them and exposure on banking terminologies and practices.
"Think of duit raya as a bonus for kids, the way working adults receive their annual performance bonuses.
"We normally use a small portion of the bonus and save the rest, so we should encourage our children to do the same."
Article from the New Straits Times dated 10 July 2013
SETTING AN EXAMPLE: Children should be thought the value of money
BUKIT MERTAJAM: WITH Hari Raya Aidilfitri just around the corner, and household debt at an all-time high, prudence should be the order of the day.
Parents were yesterday advised to minimise the amount of duit raya given to their children and to save the rest or invest it in a long-term investment plan.
Credit Counselling and Debt Management Agency (AKPK) corporate
communications head Mohamad Khalil Jamaldin said giving duit raya in the form of investment would be a good way of teaching children the value of money.
"Parents can also give their children precious metals (gold or silver) of small denominations to kick start their wealth building."
He said some parents who preferred to invest in Amanah Saham Bumiputera (ASB) and Permodalan Nasional Bhd (PNB) for their children instead of giving money during Hari Raya.
"For many children, Hari Raya will not be the same without getting duit raya, so parents should set aside a small amount of cash to be given to them in the spirit of the festivities," he said, adding that parents should take a more proactive approach with their children's spending habits.
Khalil said the degree of intervention in a child's finances would depend on his or her spending habits.
"If the parents noticed their child is saving money and prudent with his expenses, then monitoring and evaluating his spending habits would be sufficient.
"However, if the child is spendthrift, then the parents will have to instil better money managing habits."
Khalil said parents should encourage their children to save money from young as it would assist them to make better financial decisions.
"Parents can instil the habit of saving in their children by providing financial education to them and exposure on banking terminologies and practices.
"Think of duit raya as a bonus for kids, the way working adults receive their annual performance bonuses.
"We normally use a small portion of the bonus and save the rest, so we should encourage our children to do the same."
Jul 31, 2013 | financialmanagement
Article from the New Straits Times dated 10 July 2013
SETTING AN EXAMPLE: Children should be thought the value of money
BUKIT MERTAJAM: WITH Hari Raya Aidilfitri just around the corner, and household debt at an all-time high, prudence should be the order of the day.
Parents were yesterday advised to minimise the amount of duit raya given to their children and to save the rest or invest it in a long-term investment plan.
Credit Counselling and Debt Management Agency (AKPK) corporate
communications head Mohamad Khalil Jamaldin said giving duit raya in the form of investment would be a good way of teaching children the value of money.
"Parents can also give their children precious metals (gold or silver) of small denominations to kick start their wealth building."
He said some parents who preferred to invest in Amanah Saham Bumiputera (ASB) and Permodalan Nasional Bhd (PNB) for their children instead of giving money during Hari Raya.
"For many children, Hari Raya will not be the same without getting duit raya, so parents should set aside a small amount of cash to be given to them in the spirit of the festivities," he said, adding that parents should take a more proactive approach with their children's spending habits.
Khalil said the degree of intervention in a child's finances would depend on his or her spending habits.
"If the parents noticed their child is saving money and prudent with his expenses, then monitoring and evaluating his spending habits would be sufficient.
"However, if the child is spendthrift, then the parents will have to instil better money managing habits."
Khalil said parents should encourage their children to save money from young as it would assist them to make better financial decisions.
"Parents can instil the habit of saving in their children by providing financial education to them and exposure on banking terminologies and practices.
"Think of duit raya as a bonus for kids, the way working adults receive their annual performance bonuses.
"We normally use a small portion of the bonus and save the rest, so we should encourage our children to do the same."

Atrikel dari Utusan Malaysia, 10 Julai 2013
KUALA LUMPUR 10 Julai - Kegagalan individu merancang perbelanjaan secara berhemah terutama yang melibatkan penggunaan kad kredit boleh mengheret mereka kepada risiko bebanan hutang yang tinggi termasuk menjadi muflis, demikian menurut seorang perunding kewangan.
Perunding Kanan Kewangan Hijrah Wealth Management, Zulsaidi Redzwan berkata, setiap perbelanjaan yang dikeluarkan perlu ditentukan mengikut kemampuan individu serta tidak memberi bebanan hutang kepada mereka.
Merujuk kepada laporan media baru-baru ini, 23 peratus daripada 90,807 peminjam yang dibantu menerusi Program Pengurusan Kredit (DMP) Agensi Kaunseling dan Pengurusan Kredit (AKPK) bagi tempoh 2007 hingga 31 Mei lepas, merupakan golongan yang memiliki perancangan kewangan yang lemah.
Kenapa tidak dapat mengawal perbelanjaan? Apakah barangan yang dibeli itu satu keperluan atau kehendak?
Zulsaidi berkata, tanpa membuat senarai perbelanjaan, seseorang individu akan mudah terjebak dengan penggunaan kad kredit secara berlebihan dan membuat pinjaman kewangan semata-mata untuk memuaskan keinginan serta kehendak peribadi.
"Rata-rata individu hari ini berbelanja mengikut nafsu terutama golongan bekerja makan gaji yang berasa selamat dan selesa kerana setiap bulan mereka akan memperoleh gaji bulanan.
"Paling membimbangkan apabila seseorang itu memiliki kad kredit lebih daripada satu kerana mereka mudah terdorong untuk membeli barangan mewah dan berjenama," katanya kepada Bernama.
Zulsaidi berkata, punca lain keberhutangan ialah kos perubatan yang tinggi dan kehilangan pekerjaan.
Apakah langkah pengurusan perbelanjaan berhemah?
Beliau mengesyorkan agar setiap individu menggunakan sistem sampul yang dapat membantu mereka menguruskan perbelanjaan kewangan secara lebih konsisten.
"Sistem sampul ini bertujuan membantu mengasingkan duit gaji yang ingin dibelanjakan mengikut bahagian perbelanjaan seperti membeli-belah, melancong, berhibur atau ketika dalam situasi kecemasan.
"Cukup atau tidak cukup itu sahaja yang boleh dibelanjakan. Jika ada lebihan daripada gaji itu kita boleh jadikan simpanan," katanya. - BERNAMA
Atrikel dari Utusan Malaysia, 10 Julai 2013
KUALA LUMPUR 10 Julai - Kegagalan individu merancang perbelanjaan secara berhemah terutama yang melibatkan penggunaan kad kredit boleh mengheret mereka kepada risiko bebanan hutang yang tinggi termasuk menjadi muflis, demikian menurut seorang perunding kewangan.
Perunding Kanan Kewangan Hijrah Wealth Management, Zulsaidi Redzwan berkata, setiap perbelanjaan yang dikeluarkan perlu ditentukan mengikut kemampuan individu serta tidak memberi bebanan hutang kepada mereka.
Merujuk kepada laporan media baru-baru ini, 23 peratus daripada 90,807 peminjam yang dibantu menerusi Program Pengurusan Kredit (DMP) Agensi Kaunseling dan Pengurusan Kredit (AKPK) bagi tempoh 2007 hingga 31 Mei lepas, merupakan golongan yang memiliki perancangan kewangan yang lemah.
Kenapa tidak dapat mengawal perbelanjaan? Apakah barangan yang dibeli itu satu keperluan atau kehendak?
Zulsaidi berkata, tanpa membuat senarai perbelanjaan, seseorang individu akan mudah terjebak dengan penggunaan kad kredit secara berlebihan dan membuat pinjaman kewangan semata-mata untuk memuaskan keinginan serta kehendak peribadi.
"Rata-rata individu hari ini berbelanja mengikut nafsu terutama golongan bekerja makan gaji yang berasa selamat dan selesa kerana setiap bulan mereka akan memperoleh gaji bulanan.
"Paling membimbangkan apabila seseorang itu memiliki kad kredit lebih daripada satu kerana mereka mudah terdorong untuk membeli barangan mewah dan berjenama," katanya kepada Bernama.
Zulsaidi berkata, punca lain keberhutangan ialah kos perubatan yang tinggi dan kehilangan pekerjaan.
Apakah langkah pengurusan perbelanjaan berhemah?
Beliau mengesyorkan agar setiap individu menggunakan sistem sampul yang dapat membantu mereka menguruskan perbelanjaan kewangan secara lebih konsisten.
"Sistem sampul ini bertujuan membantu mengasingkan duit gaji yang ingin dibelanjakan mengikut bahagian perbelanjaan seperti membeli-belah, melancong, berhibur atau ketika dalam situasi kecemasan.
"Cukup atau tidak cukup itu sahaja yang boleh dibelanjakan. Jika ada lebihan daripada gaji itu kita boleh jadikan simpanan," katanya. - BERNAMA
Jul 31, 2013 | financialmanagement
Atrikel dari Utusan Malaysia, 10 Julai 2013
KUALA LUMPUR 10 Julai - Kegagalan individu merancang perbelanjaan secara berhemah terutama yang melibatkan penggunaan kad kredit boleh mengheret mereka kepada risiko bebanan hutang yang tinggi termasuk menjadi muflis, demikian menurut seorang perunding kewangan.
Perunding Kanan Kewangan Hijrah Wealth Management, Zulsaidi Redzwan berkata, setiap perbelanjaan yang dikeluarkan perlu ditentukan mengikut kemampuan individu serta tidak memberi bebanan hutang kepada mereka.
Merujuk kepada laporan media baru-baru ini, 23 peratus daripada 90,807 peminjam yang dibantu menerusi Program Pengurusan Kredit (DMP) Agensi Kaunseling dan Pengurusan Kredit (AKPK) bagi tempoh 2007 hingga 31 Mei lepas, merupakan golongan yang memiliki perancangan kewangan yang lemah.
Kenapa tidak dapat mengawal perbelanjaan? Apakah barangan yang dibeli itu satu keperluan atau kehendak?
Zulsaidi berkata, tanpa membuat senarai perbelanjaan, seseorang individu akan mudah terjebak dengan penggunaan kad kredit secara berlebihan dan membuat pinjaman kewangan semata-mata untuk memuaskan keinginan serta kehendak peribadi.
"Rata-rata individu hari ini berbelanja mengikut nafsu terutama golongan bekerja makan gaji yang berasa selamat dan selesa kerana setiap bulan mereka akan memperoleh gaji bulanan.
"Paling membimbangkan apabila seseorang itu memiliki kad kredit lebih daripada satu kerana mereka mudah terdorong untuk membeli barangan mewah dan berjenama," katanya kepada Bernama.
Zulsaidi berkata, punca lain keberhutangan ialah kos perubatan yang tinggi dan kehilangan pekerjaan.
Apakah langkah pengurusan perbelanjaan berhemah?
Beliau mengesyorkan agar setiap individu menggunakan sistem sampul yang dapat membantu mereka menguruskan perbelanjaan kewangan secara lebih konsisten.
"Sistem sampul ini bertujuan membantu mengasingkan duit gaji yang ingin dibelanjakan mengikut bahagian perbelanjaan seperti membeli-belah, melancong, berhibur atau ketika dalam situasi kecemasan.
"Cukup atau tidak cukup itu sahaja yang boleh dibelanjakan. Jika ada lebihan daripada gaji itu kita boleh jadikan simpanan," katanya. - BERNAMA
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