Artikel dari Utusan Malaysia, 3 Februari 2014
Aduan keganasan Ah Long Dikendalikan Biro Pengaduan Awam MCA
| Tahun | Jumlah Kes | Jumlah Ah Long | Nilai Pinjaman |
| 2012 | 599 | 3,863 | RM 39.5 juta |
| 2013 | 576 | 4,166 | RM 45.4 juta |
| 2014 | 32 | 221 | RM 5.1 juta* |
*Statistik 2014, sehingga 20 Januari
KUALA LUMPUR 2 Feb. - Masyarakat perlu berani mengakui sedang berdepan masalah kewangan dan kemudian tidak berasa malu merujuk kepada pihak yang boleh membantu termasuk Agensi Kaunseling dan Pengurusan Kredit (AKPK), bukannya menemui ah long.Pengurus Besar Bahagian Khidmat Korporat AKPK, Azman Hasim berkata, AKPK yang ditubuhkan Bank Negara Malaysia (BNM) menerima secara terbuka mana-mana individu yang ingin mendapat khidmat nasihat dan perkhidmatan yang ditawarkan adalah percuma.
Menurutnya, sehingga 31 Disember tahun lalu, 248,491 individu telah mendapatkan perkhidmatan kaunseling AKPK yang mana 100,871 orang daripada mereka telah dibantu melalui Program Pengurusan Kredit AKPK.
Jelas beliau, ada antara individu di bawah Program Pengurusan Kredit AKPK bukan sahaja menghadapi masalah pinjaman dengan bank malah mereka juga terjebak dengan pinjaman ah long.
Untuk menyelesaikan masalah kewangan, pertama sekali seorang itu perlu mengakui bahawa mereka sedang berdepan atau menghadapi masalah kewangan.
Mereka perlu membuang sifat malu bagi mendapatkan bantuan. Mereka perlu sedar, mereka tidak seharusnya sendirian menghadapi masalah itu," katanya kepada Utusan Malaysia baru-baru ini.
Menurut Azman, pinjaman daripada ah long tidak menyelesaikan masalah kewangan, sebaliknya ia sekadar langkah terburu-buru itu yang membawa kepada masalah demi masalah sehingga menghancurkan kehidupan dan mengancam nyawa.
Daripada kajian kami, tiga punca utama masalah kewangan adalah cara hidup mewah melebihi kemampuan, kegagalan dalam pelaburan serta perniagaan dan perkara di luar kawalan seperti kecederaan fizikal sehingga kehilangan sumber pendapatan.
Mana-mana individu yang menghadapi masalah kewangan akan mengalami kitaran ganas daripada satu masalah ke masalah lain. Perkara terburuk yang boleh berlaku adalah terjerumus dengan masalah ah long yang mana semua sedia maklum bahawa mereka menindas mangsa.
Saya ingin mengingatkan masyarakat supaya membuat keputusan bijak. Jangan meminjam daripada ah long yang mengenakan faedah sehingga 1,000 peratus. Di negara kita ada perbankan Islam yang mengenakan faedah cuma sembilan peratus," katanya kepada Utusan Malaysia di sini hari ini.
Sementara pada itu, Timbalan Pengarah Institut Penyelidikan Ekonomi Malaysia (MIER) Dr. Ahmad Fauzi Puasa berkata, kegiatan ah long yang mengenakan faedah terlalu tinggi hanya akan membunuh golongan usahawan perusahaan kecil dan sederhana (PKS) yang terdesak memerlukan wang.
Mereka yang terperangkap dengan masalah ah long akan menghadapi masalah hutang yang tidak pernah selesai kerana ah long akan mengugut, menindas dan membuli mangsanya.
Ah long ini boleh diibaratkan kanser dalam masyarakat. Bukan sahaja menghancurkan perniagaan tetapi kehidupan," katanya yang menegaskan penguatkuasaan undang-undang dan kesedaran masyarakat secara serentak sebagai penyelesaian masalah itu.
Artikel dari Utusan Malaysia, 3 Februari 2014
Aduan keganasan Ah Long Dikendalikan Biro Pengaduan Awam MCA
| Tahun | Jumlah Kes | Jumlah Ah Long | Nilai Pinjaman |
| 2012 | 599 | 3,863 | RM 39.5 juta |
| 2013 | 576 | 4,166 | RM 45.4 juta |
| 2014 | 32 | 221 | RM 5.1 juta* |
*Statistik 2014, sehingga 20 Januari
KUALA LUMPUR 2 Feb. - Masyarakat perlu berani mengakui sedang berdepan masalah kewangan dan kemudian tidak berasa malu merujuk kepada pihak yang boleh membantu termasuk Agensi Kaunseling dan Pengurusan Kredit (AKPK), bukannya menemui ah long.Pengurus Besar Bahagian Khidmat Korporat AKPK, Azman Hasim berkata, AKPK yang ditubuhkan Bank Negara Malaysia (BNM) menerima secara terbuka mana-mana individu yang ingin mendapat khidmat nasihat dan perkhidmatan yang ditawarkan adalah percuma.
Menurutnya, sehingga 31 Disember tahun lalu, 248,491 individu telah mendapatkan perkhidmatan kaunseling AKPK yang mana 100,871 orang daripada mereka telah dibantu melalui Program Pengurusan Kredit AKPK.
Jelas beliau, ada antara individu di bawah Program Pengurusan Kredit AKPK bukan sahaja menghadapi masalah pinjaman dengan bank malah mereka juga terjebak dengan pinjaman ah long.
Untuk menyelesaikan masalah kewangan, pertama sekali seorang itu perlu mengakui bahawa mereka sedang berdepan atau menghadapi masalah kewangan.
Mereka perlu membuang sifat malu bagi mendapatkan bantuan. Mereka perlu sedar, mereka tidak seharusnya sendirian menghadapi masalah itu," katanya kepada Utusan Malaysia baru-baru ini.
Menurut Azman, pinjaman daripada ah long tidak menyelesaikan masalah kewangan, sebaliknya ia sekadar langkah terburu-buru itu yang membawa kepada masalah demi masalah sehingga menghancurkan kehidupan dan mengancam nyawa.
Daripada kajian kami, tiga punca utama masalah kewangan adalah cara hidup mewah melebihi kemampuan, kegagalan dalam pelaburan serta perniagaan dan perkara di luar kawalan seperti kecederaan fizikal sehingga kehilangan sumber pendapatan.
Mana-mana individu yang menghadapi masalah kewangan akan mengalami kitaran ganas daripada satu masalah ke masalah lain. Perkara terburuk yang boleh berlaku adalah terjerumus dengan masalah ah long yang mana semua sedia maklum bahawa mereka menindas mangsa.
Saya ingin mengingatkan masyarakat supaya membuat keputusan bijak. Jangan meminjam daripada ah long yang mengenakan faedah sehingga 1,000 peratus. Di negara kita ada perbankan Islam yang mengenakan faedah cuma sembilan peratus," katanya kepada Utusan Malaysia di sini hari ini.
Sementara pada itu, Timbalan Pengarah Institut Penyelidikan Ekonomi Malaysia (MIER) Dr. Ahmad Fauzi Puasa berkata, kegiatan ah long yang mengenakan faedah terlalu tinggi hanya akan membunuh golongan usahawan perusahaan kecil dan sederhana (PKS) yang terdesak memerlukan wang.
Mereka yang terperangkap dengan masalah ah long akan menghadapi masalah hutang yang tidak pernah selesai kerana ah long akan mengugut, menindas dan membuli mangsanya.
Ah long ini boleh diibaratkan kanser dalam masyarakat. Bukan sahaja menghancurkan perniagaan tetapi kehidupan," katanya yang menegaskan penguatkuasaan undang-undang dan kesedaran masyarakat secara serentak sebagai penyelesaian masalah itu.
Feb 03, 2014 | financialmanagement
Artikel dari Utusan Malaysia, 3 Februari 2014
Aduan keganasan Ah Long Dikendalikan Biro Pengaduan Awam MCA
| Tahun | Jumlah Kes | Jumlah Ah Long | Nilai Pinjaman |
| 2012 | 599 | 3,863 | RM 39.5 juta |
| 2013 | 576 | 4,166 | RM 45.4 juta |
| 2014 | 32 | 221 | RM 5.1 juta* |
*Statistik 2014, sehingga 20 Januari
KUALA LUMPUR 2 Feb. - Masyarakat perlu berani mengakui sedang berdepan masalah kewangan dan kemudian tidak berasa malu merujuk kepada pihak yang boleh membantu termasuk Agensi Kaunseling dan Pengurusan Kredit (AKPK), bukannya menemui ah long.Pengurus Besar Bahagian Khidmat Korporat AKPK, Azman Hasim berkata, AKPK yang ditubuhkan Bank Negara Malaysia (BNM) menerima secara terbuka mana-mana individu yang ingin mendapat khidmat nasihat dan perkhidmatan yang ditawarkan adalah percuma.
Menurutnya, sehingga 31 Disember tahun lalu, 248,491 individu telah mendapatkan perkhidmatan kaunseling AKPK yang mana 100,871 orang daripada mereka telah dibantu melalui Program Pengurusan Kredit AKPK.
Jelas beliau, ada antara individu di bawah Program Pengurusan Kredit AKPK bukan sahaja menghadapi masalah pinjaman dengan bank malah mereka juga terjebak dengan pinjaman ah long.
Untuk menyelesaikan masalah kewangan, pertama sekali seorang itu perlu mengakui bahawa mereka sedang berdepan atau menghadapi masalah kewangan.
Mereka perlu membuang sifat malu bagi mendapatkan bantuan. Mereka perlu sedar, mereka tidak seharusnya sendirian menghadapi masalah itu," katanya kepada Utusan Malaysia baru-baru ini.
Menurut Azman, pinjaman daripada ah long tidak menyelesaikan masalah kewangan, sebaliknya ia sekadar langkah terburu-buru itu yang membawa kepada masalah demi masalah sehingga menghancurkan kehidupan dan mengancam nyawa.
Daripada kajian kami, tiga punca utama masalah kewangan adalah cara hidup mewah melebihi kemampuan, kegagalan dalam pelaburan serta perniagaan dan perkara di luar kawalan seperti kecederaan fizikal sehingga kehilangan sumber pendapatan.
Mana-mana individu yang menghadapi masalah kewangan akan mengalami kitaran ganas daripada satu masalah ke masalah lain. Perkara terburuk yang boleh berlaku adalah terjerumus dengan masalah ah long yang mana semua sedia maklum bahawa mereka menindas mangsa.
Saya ingin mengingatkan masyarakat supaya membuat keputusan bijak. Jangan meminjam daripada ah long yang mengenakan faedah sehingga 1,000 peratus. Di negara kita ada perbankan Islam yang mengenakan faedah cuma sembilan peratus," katanya kepada Utusan Malaysia di sini hari ini.
Sementara pada itu, Timbalan Pengarah Institut Penyelidikan Ekonomi Malaysia (MIER) Dr. Ahmad Fauzi Puasa berkata, kegiatan ah long yang mengenakan faedah terlalu tinggi hanya akan membunuh golongan usahawan perusahaan kecil dan sederhana (PKS) yang terdesak memerlukan wang.
Mereka yang terperangkap dengan masalah ah long akan menghadapi masalah hutang yang tidak pernah selesai kerana ah long akan mengugut, menindas dan membuli mangsanya.
Ah long ini boleh diibaratkan kanser dalam masyarakat. Bukan sahaja menghancurkan perniagaan tetapi kehidupan," katanya yang menegaskan penguatkuasaan undang-undang dan kesedaran masyarakat secara serentak sebagai penyelesaian masalah itu.
Keratan dari TV3, 11 Februari 2014
Peningkatan kos sara hidup tidak boleh dijadikan penyebab utama rakyat negara ini muflis.
Menteri di Jabatan Perdana Menteri, Nancy Shukri berkata, keadaan itu bergantung kepada kebijaksanaan individu dalam menguruskan kewangan masing-masing dengan pendapatan isi rumah yang terhad.
Tambah beliau, rakyat perlu bijak memilih lokasi membeli-belah yang lebih murah.
Sehingga 31 Disember tahun lalu, 248,491 pelanggan telah menggunakan perhidmatan Agensi Kaunseling Dan Pengurusan Kredit, AKPK.
Daripada jumlah itu, 100 ribu 871 individu telah berjaya dibantu melalui program pengurusan kredit.
Antara punca permasalahan ialah perancangan kewangan yang lemah sehingga membawa kepada beban hutang.
Terdapat juga peminjam yang bermasalah disebabkan faktor luar jangkaan seperti masalah kesihatan, kehilangan pekerjaan dan kegagalan perniagaan.
Beliau berkata demikian selepas melawat ibu pejabat AKPK di ibu negara, siang tadi.
Tonton video di sini.
Keratan dari TV3, 11 Februari 2014
Peningkatan kos sara hidup tidak boleh dijadikan penyebab utama rakyat negara ini muflis.
Menteri di Jabatan Perdana Menteri, Nancy Shukri berkata, keadaan itu bergantung kepada kebijaksanaan individu dalam menguruskan kewangan masing-masing dengan pendapatan isi rumah yang terhad.
Tambah beliau, rakyat perlu bijak memilih lokasi membeli-belah yang lebih murah.
Sehingga 31 Disember tahun lalu, 248,491 pelanggan telah menggunakan perhidmatan Agensi Kaunseling Dan Pengurusan Kredit, AKPK.
Daripada jumlah itu, 100 ribu 871 individu telah berjaya dibantu melalui program pengurusan kredit.
Antara punca permasalahan ialah perancangan kewangan yang lemah sehingga membawa kepada beban hutang.
Terdapat juga peminjam yang bermasalah disebabkan faktor luar jangkaan seperti masalah kesihatan, kehilangan pekerjaan dan kegagalan perniagaan.
Beliau berkata demikian selepas melawat ibu pejabat AKPK di ibu negara, siang tadi.
Tonton video di sini.
Feb 11, 2014 | financialmanagement
Keratan dari TV3, 11 Februari 2014
Peningkatan kos sara hidup tidak boleh dijadikan penyebab utama rakyat negara ini muflis.
Menteri di Jabatan Perdana Menteri, Nancy Shukri berkata, keadaan itu bergantung kepada kebijaksanaan individu dalam menguruskan kewangan masing-masing dengan pendapatan isi rumah yang terhad.
Tambah beliau, rakyat perlu bijak memilih lokasi membeli-belah yang lebih murah.
Sehingga 31 Disember tahun lalu, 248,491 pelanggan telah menggunakan perhidmatan Agensi Kaunseling Dan Pengurusan Kredit, AKPK.
Daripada jumlah itu, 100 ribu 871 individu telah berjaya dibantu melalui program pengurusan kredit.
Antara punca permasalahan ialah perancangan kewangan yang lemah sehingga membawa kepada beban hutang.
Terdapat juga peminjam yang bermasalah disebabkan faktor luar jangkaan seperti masalah kesihatan, kehilangan pekerjaan dan kegagalan perniagaan.
Beliau berkata demikian selepas melawat ibu pejabat AKPK di ibu negara, siang tadi.
Tonton video di sini.
Article from The New Straits Times dated 12 February 2014
KUALA LUMPUR: Individuals earning less than RM24,000 a year formed the majority of those who sought credit counselling and debt management advice from the Credit Counselling and Debt Management Agency (AKPK) last year.
Its chairman, Datuk Mohd Hanif Sher Mohamed, said 248,491 Malaysians received counselling last year compared with 207,997 the year before.
Of the number, 95,472 enrolled into the agency's Debt Management Programme (DMP), with males making up 65.3 per cent and females the remaining 31.1 per cent.
Of these, 16,336 were between the ages of 20 and 30, 39,916 between 30 and 40; and 39,220 aged 40 years and above.
From the number, 52.6 per cent had an annual income of below RM24,000, 18.8 per cent between RM24,000 and RM36,000, 13 per cent between RM36,000 and RM40,000, and 15.6 per cent earned more than RM40,000.
Most were married (74.1 per cent), followed by single individuals (15.2 per cent), divorced (4.5 per cent), and widow or widower (1.9 per cent).
The main causes of their financial problems were poor financial planning (22.8 per cent), high medical expenses (18.1 per cent), business failure (15.3 per cent), and uncontrolled credit card usage (11.1 per cent).
It was also caused by job loss (9.9 per cent), high cost of living (4.4 per cent), unexpected financial commitment (4.1 per cent), death or loss of a breadwinner (1.4 per cent), and failed investment (1.1 per cent).
Last year, 4,645 people graduated from the DMP with a total of RM182.5 million debts settled.
Minister in the Prime Minister's Department, Nancy Shukri said the increase in the number of people seeking counselling showed that there was greater awareness on the avenues available to assist them.
Article from The New Straits Times dated 12 February 2014
KUALA LUMPUR: Individuals earning less than RM24,000 a year formed the majority of those who sought credit counselling and debt management advice from the Credit Counselling and Debt Management Agency (AKPK) last year.
Its chairman, Datuk Mohd Hanif Sher Mohamed, said 248,491 Malaysians received counselling last year compared with 207,997 the year before.
Of the number, 95,472 enrolled into the agency's Debt Management Programme (DMP), with males making up 65.3 per cent and females the remaining 31.1 per cent.
Of these, 16,336 were between the ages of 20 and 30, 39,916 between 30 and 40; and 39,220 aged 40 years and above.
From the number, 52.6 per cent had an annual income of below RM24,000, 18.8 per cent between RM24,000 and RM36,000, 13 per cent between RM36,000 and RM40,000, and 15.6 per cent earned more than RM40,000.
Most were married (74.1 per cent), followed by single individuals (15.2 per cent), divorced (4.5 per cent), and widow or widower (1.9 per cent).
The main causes of their financial problems were poor financial planning (22.8 per cent), high medical expenses (18.1 per cent), business failure (15.3 per cent), and uncontrolled credit card usage (11.1 per cent).
It was also caused by job loss (9.9 per cent), high cost of living (4.4 per cent), unexpected financial commitment (4.1 per cent), death or loss of a breadwinner (1.4 per cent), and failed investment (1.1 per cent).
Last year, 4,645 people graduated from the DMP with a total of RM182.5 million debts settled.
Minister in the Prime Minister's Department, Nancy Shukri said the increase in the number of people seeking counselling showed that there was greater awareness on the avenues available to assist them.
Feb 12, 2014 | financialmanagement
Article from The New Straits Times dated 12 February 2014
KUALA LUMPUR: Individuals earning less than RM24,000 a year formed the majority of those who sought credit counselling and debt management advice from the Credit Counselling and Debt Management Agency (AKPK) last year.
Its chairman, Datuk Mohd Hanif Sher Mohamed, said 248,491 Malaysians received counselling last year compared with 207,997 the year before.
Of the number, 95,472 enrolled into the agency's Debt Management Programme (DMP), with males making up 65.3 per cent and females the remaining 31.1 per cent.
Of these, 16,336 were between the ages of 20 and 30, 39,916 between 30 and 40; and 39,220 aged 40 years and above.
From the number, 52.6 per cent had an annual income of below RM24,000, 18.8 per cent between RM24,000 and RM36,000, 13 per cent between RM36,000 and RM40,000, and 15.6 per cent earned more than RM40,000.
Most were married (74.1 per cent), followed by single individuals (15.2 per cent), divorced (4.5 per cent), and widow or widower (1.9 per cent).
The main causes of their financial problems were poor financial planning (22.8 per cent), high medical expenses (18.1 per cent), business failure (15.3 per cent), and uncontrolled credit card usage (11.1 per cent).
It was also caused by job loss (9.9 per cent), high cost of living (4.4 per cent), unexpected financial commitment (4.1 per cent), death or loss of a breadwinner (1.4 per cent), and failed investment (1.1 per cent).
Last year, 4,645 people graduated from the DMP with a total of RM182.5 million debts settled.
Minister in the Prime Minister's Department, Nancy Shukri said the increase in the number of people seeking counselling showed that there was greater awareness on the avenues available to assist them.
Artikel dari Sinar Harian, 12 Februari 2014
KUALA LUMPUR - Agensi Kaunseling Dan Pengurusan Kredit (AKPK) tidak pernah melantik ejen untuk memberi nasihat kepada orang ramai yang ada masalah kewangan.
Menteri di Jabatan Perdana Menteri, Datuk Nancy Shukri berkata sehubungan itu, orang ramai perlu berhatihati apabila didatangi mana-mana individu supaya tidak tertipu.
“Ada juga sesetengah pihak menggunakan AKPK, mereka menipu orang ramai dengan mengatakan mereka sebagai ejen. AKPK sebenarnya tiada ejen di luar sana, sebaliknya mereka perlu datang ke pejabat AKPK sendiri.
"Jadi tiada sebab untuk seseorang mengaku jadi ejen dari AKPK,” katanya ketika sidang media selepas mengadakan pertemuan dan penerangan di pejabat AKPK, di sini, semalam.
Katanya, semua nasihat dan khidmat yang ditawarkan AKPK adalah secara percuma supaya dapat membantu orang ramai yang bermasalah dari segi kewangan.
“Setiap negeri ada pejabat AKPK kecuali di Perlis yang bergabung di Alor Setar dan di Negeri Sembilan pejabatnya dipanggil sebagai pejabat kaunseling.
“Penerangan yang diberikan AKPK terutamanya pendidikan mengenai pengurusan kewangan melibatkan sebelum seseorang itu diisytiharkan bankrap, ada masalah dengan kewangan serta berkenaan pinjaman,” kata beliau.
Sementara itu ketika ditanya berhubung statistik peningkatan orang ramai yang hadir ke AKPK sama ada membimbangkan, beliau bagaimanapun memberitahu ia perlu dilihat dari segi positif.
“Saya lihat dua aspek iaitu positif kerana orang ramai sudah tahu yang mereka boleh datang ke AKPK bagi mendapatkan bantuan nasihat dan kaunseling pengurusan kewangan. Mereka tahu untuk menggunakan AKPK sebuah agensi kerajaan untuk membantu mereka.
“Satu lagi aspek memang kita nampak mungkin peningkatan itu menunjukkan secara negatifnya ramai yang berdepan dengan masalah kewangan, tapi dari dulu pun sudah ramai orang berhutang, tapi dengan ada AKPK ini, mereka akan dapat maklumat,” katanya.
Artikel dari Sinar Harian, 12 Februari 2014
KUALA LUMPUR - Agensi Kaunseling Dan Pengurusan Kredit (AKPK) tidak pernah melantik ejen untuk memberi nasihat kepada orang ramai yang ada masalah kewangan.
Menteri di Jabatan Perdana Menteri, Datuk Nancy Shukri berkata sehubungan itu, orang ramai perlu berhatihati apabila didatangi mana-mana individu supaya tidak tertipu.
“Ada juga sesetengah pihak menggunakan AKPK, mereka menipu orang ramai dengan mengatakan mereka sebagai ejen. AKPK sebenarnya tiada ejen di luar sana, sebaliknya mereka perlu datang ke pejabat AKPK sendiri.
"Jadi tiada sebab untuk seseorang mengaku jadi ejen dari AKPK,” katanya ketika sidang media selepas mengadakan pertemuan dan penerangan di pejabat AKPK, di sini, semalam.
Katanya, semua nasihat dan khidmat yang ditawarkan AKPK adalah secara percuma supaya dapat membantu orang ramai yang bermasalah dari segi kewangan.
“Setiap negeri ada pejabat AKPK kecuali di Perlis yang bergabung di Alor Setar dan di Negeri Sembilan pejabatnya dipanggil sebagai pejabat kaunseling.
“Penerangan yang diberikan AKPK terutamanya pendidikan mengenai pengurusan kewangan melibatkan sebelum seseorang itu diisytiharkan bankrap, ada masalah dengan kewangan serta berkenaan pinjaman,” kata beliau.
Sementara itu ketika ditanya berhubung statistik peningkatan orang ramai yang hadir ke AKPK sama ada membimbangkan, beliau bagaimanapun memberitahu ia perlu dilihat dari segi positif.
“Saya lihat dua aspek iaitu positif kerana orang ramai sudah tahu yang mereka boleh datang ke AKPK bagi mendapatkan bantuan nasihat dan kaunseling pengurusan kewangan. Mereka tahu untuk menggunakan AKPK sebuah agensi kerajaan untuk membantu mereka.
“Satu lagi aspek memang kita nampak mungkin peningkatan itu menunjukkan secara negatifnya ramai yang berdepan dengan masalah kewangan, tapi dari dulu pun sudah ramai orang berhutang, tapi dengan ada AKPK ini, mereka akan dapat maklumat,” katanya.
Feb 12, 2014 | financialmanagement
Artikel dari Sinar Harian, 12 Februari 2014
KUALA LUMPUR - Agensi Kaunseling Dan Pengurusan Kredit (AKPK) tidak pernah melantik ejen untuk memberi nasihat kepada orang ramai yang ada masalah kewangan.
Menteri di Jabatan Perdana Menteri, Datuk Nancy Shukri berkata sehubungan itu, orang ramai perlu berhatihati apabila didatangi mana-mana individu supaya tidak tertipu.
“Ada juga sesetengah pihak menggunakan AKPK, mereka menipu orang ramai dengan mengatakan mereka sebagai ejen. AKPK sebenarnya tiada ejen di luar sana, sebaliknya mereka perlu datang ke pejabat AKPK sendiri.
"Jadi tiada sebab untuk seseorang mengaku jadi ejen dari AKPK,” katanya ketika sidang media selepas mengadakan pertemuan dan penerangan di pejabat AKPK, di sini, semalam.
Katanya, semua nasihat dan khidmat yang ditawarkan AKPK adalah secara percuma supaya dapat membantu orang ramai yang bermasalah dari segi kewangan.
“Setiap negeri ada pejabat AKPK kecuali di Perlis yang bergabung di Alor Setar dan di Negeri Sembilan pejabatnya dipanggil sebagai pejabat kaunseling.
“Penerangan yang diberikan AKPK terutamanya pendidikan mengenai pengurusan kewangan melibatkan sebelum seseorang itu diisytiharkan bankrap, ada masalah dengan kewangan serta berkenaan pinjaman,” kata beliau.
Sementara itu ketika ditanya berhubung statistik peningkatan orang ramai yang hadir ke AKPK sama ada membimbangkan, beliau bagaimanapun memberitahu ia perlu dilihat dari segi positif.
“Saya lihat dua aspek iaitu positif kerana orang ramai sudah tahu yang mereka boleh datang ke AKPK bagi mendapatkan bantuan nasihat dan kaunseling pengurusan kewangan. Mereka tahu untuk menggunakan AKPK sebuah agensi kerajaan untuk membantu mereka.
“Satu lagi aspek memang kita nampak mungkin peningkatan itu menunjukkan secara negatifnya ramai yang berdepan dengan masalah kewangan, tapi dari dulu pun sudah ramai orang berhutang, tapi dengan ada AKPK ini, mereka akan dapat maklumat,” katanya.
Artikel dari ABN News, 12 Februari 2014
KUALA LUMPUR – Orang ramai diminta berhati-hati dengan tindakan individu tidak bertanggungjawab yang menyamar sebagai pegawai Agensi Kaunseling dan Pengurusan Kredit (AKPK).
Menteri Di Jabatan Perdana Menteri Nancy Syukri berkata, individu terbabit
memperdayakan orang ramai dengan menipu memberikan perkhidmatan dari rumah ke rumah.
Jelasnya, AKPK hanya menyediakan perkhidmatan kaunseling di pejabat agensi itu sahaja.
“Memang ada orang yang menyamar sebagai ejen AKPK dan bertindak menipu orang ramai di luar sana.
“Kepada mereka yang ingin mendapatkan bantuan daripada AKPK, mereka perlu datang sendiri ke pejabat agensi,” katanya.
Jelasnya, ia sesuai dengan peranan AKPK yang memberi nasihat mengenai aspek kewangan kepada mereka yang berada dalam kategori muflis.
Dalam pada itu, seramai 248,091 pelanggan telah mendapatkan khidmat nasihat daripada AKPK sehingga 31 Disember lalu.
Daripada jumlah itu, 100,871 orang telah dibantu melalui program pengurusan kredit AKPK.
Artikel dari ABN News, 12 Februari 2014
KUALA LUMPUR – Orang ramai diminta berhati-hati dengan tindakan individu tidak bertanggungjawab yang menyamar sebagai pegawai Agensi Kaunseling dan Pengurusan Kredit (AKPK).
Menteri Di Jabatan Perdana Menteri Nancy Syukri berkata, individu terbabit
memperdayakan orang ramai dengan menipu memberikan perkhidmatan dari rumah ke rumah.
Jelasnya, AKPK hanya menyediakan perkhidmatan kaunseling di pejabat agensi itu sahaja.
“Memang ada orang yang menyamar sebagai ejen AKPK dan bertindak menipu orang ramai di luar sana.
“Kepada mereka yang ingin mendapatkan bantuan daripada AKPK, mereka perlu datang sendiri ke pejabat agensi,” katanya.
Jelasnya, ia sesuai dengan peranan AKPK yang memberi nasihat mengenai aspek kewangan kepada mereka yang berada dalam kategori muflis.
Dalam pada itu, seramai 248,091 pelanggan telah mendapatkan khidmat nasihat daripada AKPK sehingga 31 Disember lalu.
Daripada jumlah itu, 100,871 orang telah dibantu melalui program pengurusan kredit AKPK.
Feb 12, 2014 | financialmanagement
Artikel dari ABN News, 12 Februari 2014
KUALA LUMPUR – Orang ramai diminta berhati-hati dengan tindakan individu tidak bertanggungjawab yang menyamar sebagai pegawai Agensi Kaunseling dan Pengurusan Kredit (AKPK).
Menteri Di Jabatan Perdana Menteri Nancy Syukri berkata, individu terbabit
memperdayakan orang ramai dengan menipu memberikan perkhidmatan dari rumah ke rumah.
Jelasnya, AKPK hanya menyediakan perkhidmatan kaunseling di pejabat agensi itu sahaja.
“Memang ada orang yang menyamar sebagai ejen AKPK dan bertindak menipu orang ramai di luar sana.
“Kepada mereka yang ingin mendapatkan bantuan daripada AKPK, mereka perlu datang sendiri ke pejabat agensi,” katanya.
Jelasnya, ia sesuai dengan peranan AKPK yang memberi nasihat mengenai aspek kewangan kepada mereka yang berada dalam kategori muflis.
Dalam pada itu, seramai 248,091 pelanggan telah mendapatkan khidmat nasihat daripada AKPK sehingga 31 Disember lalu.
Daripada jumlah itu, 100,871 orang telah dibantu melalui program pengurusan kredit AKPK.
Spike In Individuals Seeking Assistance From Debt Management Agency - Nancy
Categories: financialmanagementArticle from The Borneo Post dated 12 February 2014
KUALA LUMPUR: There was a spike in the number of individuals seeking assistance from Credit Counselling and Debt Management Agency (AKPK) last year, with 248,491 participating in the programme, as compared to 207,997 in 2012.
Minister in the Prime Minister’s Department Nancy Shukri said this showed that those with poor money management and bogged down with loans, were more receptive now on the importance of seeking assistance to solve their financial woes.
“It also shows that more people are now aware of the establishment of AKPK,” she told reporters after visiting the agency’s office here yesterday.
She said the government was going all out to create more awareness on the negative impact of bankruptcy, especially among the youths, to ensure reduction in bankruptcy cases nationwide.
Nancy said the young generation needed to be exposed to the impact of taking loans and the inability to repay, adding that those listed as bankrupts should seek help to find ways to sort out the problem.
She said the public should be aware that AKPK services were free of charge as there were cases of individuals impersonating as agents from AKPK and charging service fee.
On outgoing Sarawak Chief Minister Pehin Sri Abdul Taib Mahmud, Nancy, who is also Batang Sadong member of parliament, said she was confident that his successor would shoulder the responsibility well.
“We have been coached as one entity…as one family, and we should not talk on controversial issues like race and religion. That has been our training as politicians, especially at Parti Pesaka Bumiputra Bersatu,” she added. — Bernama
Spike In Individuals Seeking Assistance From Debt Management Agency - Nancy
Categories: financialmanagementArticle from The Borneo Post dated 12 February 2014
KUALA LUMPUR: There was a spike in the number of individuals seeking assistance from Credit Counselling and Debt Management Agency (AKPK) last year, with 248,491 participating in the programme, as compared to 207,997 in 2012.
Minister in the Prime Minister’s Department Nancy Shukri said this showed that those with poor money management and bogged down with loans, were more receptive now on the importance of seeking assistance to solve their financial woes.
“It also shows that more people are now aware of the establishment of AKPK,” she told reporters after visiting the agency’s office here yesterday.
She said the government was going all out to create more awareness on the negative impact of bankruptcy, especially among the youths, to ensure reduction in bankruptcy cases nationwide.
Nancy said the young generation needed to be exposed to the impact of taking loans and the inability to repay, adding that those listed as bankrupts should seek help to find ways to sort out the problem.
She said the public should be aware that AKPK services were free of charge as there were cases of individuals impersonating as agents from AKPK and charging service fee.
On outgoing Sarawak Chief Minister Pehin Sri Abdul Taib Mahmud, Nancy, who is also Batang Sadong member of parliament, said she was confident that his successor would shoulder the responsibility well.
“We have been coached as one entity…as one family, and we should not talk on controversial issues like race and religion. That has been our training as politicians, especially at Parti Pesaka Bumiputra Bersatu,” she added. — Bernama
Feb 12, 2014 | financialmanagement
Spike In Individuals Seeking Assistance From Debt Management Agency - Nancy
Categories: financialmanagementArticle from The Borneo Post dated 12 February 2014
KUALA LUMPUR: There was a spike in the number of individuals seeking assistance from Credit Counselling and Debt Management Agency (AKPK) last year, with 248,491 participating in the programme, as compared to 207,997 in 2012.
Minister in the Prime Minister’s Department Nancy Shukri said this showed that those with poor money management and bogged down with loans, were more receptive now on the importance of seeking assistance to solve their financial woes.
“It also shows that more people are now aware of the establishment of AKPK,” she told reporters after visiting the agency’s office here yesterday.
She said the government was going all out to create more awareness on the negative impact of bankruptcy, especially among the youths, to ensure reduction in bankruptcy cases nationwide.
Nancy said the young generation needed to be exposed to the impact of taking loans and the inability to repay, adding that those listed as bankrupts should seek help to find ways to sort out the problem.
She said the public should be aware that AKPK services were free of charge as there were cases of individuals impersonating as agents from AKPK and charging service fee.
On outgoing Sarawak Chief Minister Pehin Sri Abdul Taib Mahmud, Nancy, who is also Batang Sadong member of parliament, said she was confident that his successor would shoulder the responsibility well.
“We have been coached as one entity…as one family, and we should not talk on controversial issues like race and religion. That has been our training as politicians, especially at Parti Pesaka Bumiputra Bersatu,” she added. — Bernama
Article from The Malaysian Reserve dated 12 February 2014
The applications for counselling and Debt Management Programme (DMP) from the Credit Counselling and Debt Management Agency (AKPK) increased last year by 40,494 and 16,769 respectively.
The applications for counselling and Debt Management Programme (DMP) from the Credit Counselling and Debt Management Agency (AKPK) increased last year by 40,494 and 16,769 respectively.
As of Dec 31, 2013, AKPK had reached out to 248,491 customers for its counselling programme and 100,871 was under the DMP programme since its inception in 2007.
The financial counselling agency recorded 22.8% of its customers seeking its services due to poor financial planning.
AKPK further stated that 37.4% of its customers are employed by the private sector and 82.9% suffer from poor credit facilitating.
A total of 4,645 cases have exited the DMP with a total outstanding of RM182.7 million and the remaining active accounts in the DMP is 62,818 with a total portfolio of RM4.5 billion.
October 2013 recorded the highest amount of applications with a total of 4,513 applications received.
AKPK CEO Koid Swee Lian said in a media briefing yesterday in Kuala Lumpur that the spike in the amount of customers resorting to its services normally occur after festive seasons and year-end holidays.
Also present was the Minister in the Prime Minister’s Department under the legal affairs division Nancy Shukri, who stated that the people who are burdened with extensive loan repayments and poor financial planning are beginning to seek financial guidance to help solve their problems.
Article from The Malaysian Reserve dated 12 February 2014
The applications for counselling and Debt Management Programme (DMP) from the Credit Counselling and Debt Management Agency (AKPK) increased last year by 40,494 and 16,769 respectively.
The applications for counselling and Debt Management Programme (DMP) from the Credit Counselling and Debt Management Agency (AKPK) increased last year by 40,494 and 16,769 respectively.
As of Dec 31, 2013, AKPK had reached out to 248,491 customers for its counselling programme and 100,871 was under the DMP programme since its inception in 2007.
The financial counselling agency recorded 22.8% of its customers seeking its services due to poor financial planning.
AKPK further stated that 37.4% of its customers are employed by the private sector and 82.9% suffer from poor credit facilitating.
A total of 4,645 cases have exited the DMP with a total outstanding of RM182.7 million and the remaining active accounts in the DMP is 62,818 with a total portfolio of RM4.5 billion.
October 2013 recorded the highest amount of applications with a total of 4,513 applications received.
AKPK CEO Koid Swee Lian said in a media briefing yesterday in Kuala Lumpur that the spike in the amount of customers resorting to its services normally occur after festive seasons and year-end holidays.
Also present was the Minister in the Prime Minister’s Department under the legal affairs division Nancy Shukri, who stated that the people who are burdened with extensive loan repayments and poor financial planning are beginning to seek financial guidance to help solve their problems.
Feb 12, 2014 | financialmanagement
Article from The Malaysian Reserve dated 12 February 2014
The applications for counselling and Debt Management Programme (DMP) from the Credit Counselling and Debt Management Agency (AKPK) increased last year by 40,494 and 16,769 respectively.
The applications for counselling and Debt Management Programme (DMP) from the Credit Counselling and Debt Management Agency (AKPK) increased last year by 40,494 and 16,769 respectively.
As of Dec 31, 2013, AKPK had reached out to 248,491 customers for its counselling programme and 100,871 was under the DMP programme since its inception in 2007.
The financial counselling agency recorded 22.8% of its customers seeking its services due to poor financial planning.
AKPK further stated that 37.4% of its customers are employed by the private sector and 82.9% suffer from poor credit facilitating.
A total of 4,645 cases have exited the DMP with a total outstanding of RM182.7 million and the remaining active accounts in the DMP is 62,818 with a total portfolio of RM4.5 billion.
October 2013 recorded the highest amount of applications with a total of 4,513 applications received.
AKPK CEO Koid Swee Lian said in a media briefing yesterday in Kuala Lumpur that the spike in the amount of customers resorting to its services normally occur after festive seasons and year-end holidays.
Also present was the Minister in the Prime Minister’s Department under the legal affairs division Nancy Shukri, who stated that the people who are burdened with extensive loan repayments and poor financial planning are beginning to seek financial guidance to help solve their problems.
Article from Free Malaysia Today dated 12 February 2014
KUALA LUMPUR: The applications for counselling and Debt Management Programme (DMP) from the Credit Counselling and Debt Management Agency (AKPK) increased last year by 40,494 and 16,769 respectively.
The applications for counselling and Debt Management Programme (DMP) from the Credit Counselling and Debt Management Agency (AKPK) increased last year by 40,494 and 16,769 respectively.
As of Dec 31, 2013, AKPK had reached out to 248,491 customers for its counselling programme and 100,871 was under the DMP programme since its inception in 2007.
The financial counselling agency recorded 22.8% of its customers seeking its services due to poor financial planning.
AKPK further stated that 37.4% of its customers are employed by the private sector and 82.9% suffer from poor credit facilitating.
A total of 4,645 cases have exited the DMP with a total outstanding of RM182.7 million and the remaining active accounts in the DMP is 62,818 with a total portfolio of RM4.5 million.
October 2013 recorded the highest amount of applications with a total of 4,513 applications received.
AKPK CEO Koid Swee Lian said in a media briefing yesterday in Kuala Lumpur that the spike in the amount of customers resorting to its services normally occur after festive seasons and year-end holidays.
Also present was the Minister in the Prime Minister’s Department under the legal affairs division Nancy Shukri, who stated that the people who are burdened with extensive loan repayments and poor financial planning are beginning to seek financial guidance to help solve their problems.
Article from Free Malaysia Today dated 12 February 2014
KUALA LUMPUR: The applications for counselling and Debt Management Programme (DMP) from the Credit Counselling and Debt Management Agency (AKPK) increased last year by 40,494 and 16,769 respectively.
The applications for counselling and Debt Management Programme (DMP) from the Credit Counselling and Debt Management Agency (AKPK) increased last year by 40,494 and 16,769 respectively.
As of Dec 31, 2013, AKPK had reached out to 248,491 customers for its counselling programme and 100,871 was under the DMP programme since its inception in 2007.
The financial counselling agency recorded 22.8% of its customers seeking its services due to poor financial planning.
AKPK further stated that 37.4% of its customers are employed by the private sector and 82.9% suffer from poor credit facilitating.
A total of 4,645 cases have exited the DMP with a total outstanding of RM182.7 million and the remaining active accounts in the DMP is 62,818 with a total portfolio of RM4.5 million.
October 2013 recorded the highest amount of applications with a total of 4,513 applications received.
AKPK CEO Koid Swee Lian said in a media briefing yesterday in Kuala Lumpur that the spike in the amount of customers resorting to its services normally occur after festive seasons and year-end holidays.
Also present was the Minister in the Prime Minister’s Department under the legal affairs division Nancy Shukri, who stated that the people who are burdened with extensive loan repayments and poor financial planning are beginning to seek financial guidance to help solve their problems.
Feb 12, 2014 | financialmanagement
Article from Free Malaysia Today dated 12 February 2014
KUALA LUMPUR: The applications for counselling and Debt Management Programme (DMP) from the Credit Counselling and Debt Management Agency (AKPK) increased last year by 40,494 and 16,769 respectively.
The applications for counselling and Debt Management Programme (DMP) from the Credit Counselling and Debt Management Agency (AKPK) increased last year by 40,494 and 16,769 respectively.
As of Dec 31, 2013, AKPK had reached out to 248,491 customers for its counselling programme and 100,871 was under the DMP programme since its inception in 2007.
The financial counselling agency recorded 22.8% of its customers seeking its services due to poor financial planning.
AKPK further stated that 37.4% of its customers are employed by the private sector and 82.9% suffer from poor credit facilitating.
A total of 4,645 cases have exited the DMP with a total outstanding of RM182.7 million and the remaining active accounts in the DMP is 62,818 with a total portfolio of RM4.5 million.
October 2013 recorded the highest amount of applications with a total of 4,513 applications received.
AKPK CEO Koid Swee Lian said in a media briefing yesterday in Kuala Lumpur that the spike in the amount of customers resorting to its services normally occur after festive seasons and year-end holidays.
Also present was the Minister in the Prime Minister’s Department under the legal affairs division Nancy Shukri, who stated that the people who are burdened with extensive loan repayments and poor financial planning are beginning to seek financial guidance to help solve their problems.
Article from The Star dated 12 February 2014
KUALA LUMPUR: Malaysians are taking up more loans than they can afford with their salaries, says Credit Counselling and Debt Management Agency's (AKPK) chairman Datuk Mohd Hanif Sher.
According to AKPK statistics, as of Dec 31, last year 62,818 individuals with a total debt of RM4.5bil have been registered under the agency’s Debt Management Programme (DMP).
In light of the increasing number of bankrupt individuals annually, Minister in the Prime Minister's Department Nancy Shukri said financially strapped Malaysians should enrol in the DMP to prevent the number of bankrupts from rising in the country.
Shukri said the ministry through the Malaysia Department if Insolvency (MdI) will be going "all out" to conduct joint-awareness programmes with AKPK throughout the nation.
"Many people are not aware of the AKPK's role and function. Getting individuals who have incurred debts of up to RM2mil and below to sign up for the debt management programme will enable the Insolvency Department to reduce bankruptcy by accelerating discharge," she said after visiting the agency's headquarters at the Maju Tower here on Tuesday.
According to statistics from MdI, 13,238 people were categorised as bankrupt in 2007, 13,855 in 2008, 16,228 in 2009, 18,119 in 2010, 19,167 in 2011 and 19,575 in 2012, with those in the private sector or doing business forming the highest percentage.
Mohd Hanif said 22.8% of the individuals who have enrolled in the agency's Debt Management Programme (DMP) cited poor financial planning as a cause for defaulting on their loans.
"Individuals seeking financial management services from us have cited this as the main cause for defaulting their loans," he said.
Other factors with high percentages include high medical expenses and business failures which contributed 18.1% and 15.3% respectively.
Article from The Star dated 12 February 2014
KUALA LUMPUR: Malaysians are taking up more loans than they can afford with their salaries, says Credit Counselling and Debt Management Agency's (AKPK) chairman Datuk Mohd Hanif Sher.
According to AKPK statistics, as of Dec 31, last year 62,818 individuals with a total debt of RM4.5bil have been registered under the agency’s Debt Management Programme (DMP).
In light of the increasing number of bankrupt individuals annually, Minister in the Prime Minister's Department Nancy Shukri said financially strapped Malaysians should enrol in the DMP to prevent the number of bankrupts from rising in the country.
Shukri said the ministry through the Malaysia Department if Insolvency (MdI) will be going "all out" to conduct joint-awareness programmes with AKPK throughout the nation.
"Many people are not aware of the AKPK's role and function. Getting individuals who have incurred debts of up to RM2mil and below to sign up for the debt management programme will enable the Insolvency Department to reduce bankruptcy by accelerating discharge," she said after visiting the agency's headquarters at the Maju Tower here on Tuesday.
According to statistics from MdI, 13,238 people were categorised as bankrupt in 2007, 13,855 in 2008, 16,228 in 2009, 18,119 in 2010, 19,167 in 2011 and 19,575 in 2012, with those in the private sector or doing business forming the highest percentage.
Mohd Hanif said 22.8% of the individuals who have enrolled in the agency's Debt Management Programme (DMP) cited poor financial planning as a cause for defaulting on their loans.
"Individuals seeking financial management services from us have cited this as the main cause for defaulting their loans," he said.
Other factors with high percentages include high medical expenses and business failures which contributed 18.1% and 15.3% respectively.
Feb 12, 2014 | financialmanagement
Article from The Star dated 12 February 2014
KUALA LUMPUR: Malaysians are taking up more loans than they can afford with their salaries, says Credit Counselling and Debt Management Agency's (AKPK) chairman Datuk Mohd Hanif Sher.
According to AKPK statistics, as of Dec 31, last year 62,818 individuals with a total debt of RM4.5bil have been registered under the agency’s Debt Management Programme (DMP).
In light of the increasing number of bankrupt individuals annually, Minister in the Prime Minister's Department Nancy Shukri said financially strapped Malaysians should enrol in the DMP to prevent the number of bankrupts from rising in the country.
Shukri said the ministry through the Malaysia Department if Insolvency (MdI) will be going "all out" to conduct joint-awareness programmes with AKPK throughout the nation.
"Many people are not aware of the AKPK's role and function. Getting individuals who have incurred debts of up to RM2mil and below to sign up for the debt management programme will enable the Insolvency Department to reduce bankruptcy by accelerating discharge," she said after visiting the agency's headquarters at the Maju Tower here on Tuesday.
According to statistics from MdI, 13,238 people were categorised as bankrupt in 2007, 13,855 in 2008, 16,228 in 2009, 18,119 in 2010, 19,167 in 2011 and 19,575 in 2012, with those in the private sector or doing business forming the highest percentage.
Mohd Hanif said 22.8% of the individuals who have enrolled in the agency's Debt Management Programme (DMP) cited poor financial planning as a cause for defaulting on their loans.
"Individuals seeking financial management services from us have cited this as the main cause for defaulting their loans," he said.
Other factors with high percentages include high medical expenses and business failures which contributed 18.1% and 15.3% respectively.
Jumlah individu dapatkan bantuan agensi pengurusan kredit meningkat
Categories: financialmanagementArtikel dari The Borneo Post, 12 Februari 2014
KUALA LUMPUR: Jumlah individu yang ingin mendapatkan bantuan daripada Agensi Kaunseling dan Pengurusan Kredit (AKPK) meningkat kepada 248,491 tahun lepas daripada 207,997 pada 2012.
Menteri di Jabatan Perdana Menteri Nancy Shukri berkata ini menunjukkan mereka yang lemah dalam pengurusan kewangan serta dibelenggu pinjaman, kini semakin menerima hakikat tentang pentingnya bagi mereka mendapatkan bantuan untuk menyelesaikan masalah masing-masing.
“Ia juga menunjukkan kini semakin banyak orang sedar tentang kewujudan AKPK,” katanya kepada pemberita selepas melawat pejabat agensi itu di sini semalam.
Beliau berkata kerajaan berusaha sedaya upaya untuk meningkatkan kesedaran orang ramai tentang kesan negatif akibat kemuflisan, terutama dalam kalangan belia, bagi mengurangkan kes kemuflisan di seluruh negara.
“Generasi muda perlu dimaklumkan tentang kesan daripada membuat pinjaman dan ketidakmampuan untuk melunaskan pinjaman,” katanya sambil menegaskan bahawa mereka yang disenaraikan sebagai muflis, perlu mencari jalan untuk menyelesaikan masalah itu.
Beliau menasihati orang ramai supaya tidak tertipu oleh individu yang menyamar sebagai ejen AKPK dan menuntut bayaran perkhidmatan kerana agensi itu tidak mengenakan sebarang bayaran bagi perkhidmatannya.
Mengulas tentang Ketua Menteri Sarawak Pehin Sri Abdul Taib Mahmud yang akan melepaskan jawatannya, Nancy, yang juga Angota Parlimen Batang Sadong, berkata beliau yakin pengganti Taib akan memikul tanggungjawab yang diamanahkan kepadanya dengan baik.
“Kami dididik sebagai satu entiti…sebagai sebuah keluarga, dan kami tidak akan bercakap tentang sesuatu isu kontroversi seperti bangsa dan agama. Itulah latihan yang kami terima sebagai ahli politik, terutama dalam Parti Pesaka Bumiputera Bersatu,” katanya. — Bernama
Jumlah individu dapatkan bantuan agensi pengurusan kredit meningkat
Categories: financialmanagementArtikel dari The Borneo Post, 12 Februari 2014
KUALA LUMPUR: Jumlah individu yang ingin mendapatkan bantuan daripada Agensi Kaunseling dan Pengurusan Kredit (AKPK) meningkat kepada 248,491 tahun lepas daripada 207,997 pada 2012.
Menteri di Jabatan Perdana Menteri Nancy Shukri berkata ini menunjukkan mereka yang lemah dalam pengurusan kewangan serta dibelenggu pinjaman, kini semakin menerima hakikat tentang pentingnya bagi mereka mendapatkan bantuan untuk menyelesaikan masalah masing-masing.
“Ia juga menunjukkan kini semakin banyak orang sedar tentang kewujudan AKPK,” katanya kepada pemberita selepas melawat pejabat agensi itu di sini semalam.
Beliau berkata kerajaan berusaha sedaya upaya untuk meningkatkan kesedaran orang ramai tentang kesan negatif akibat kemuflisan, terutama dalam kalangan belia, bagi mengurangkan kes kemuflisan di seluruh negara.
“Generasi muda perlu dimaklumkan tentang kesan daripada membuat pinjaman dan ketidakmampuan untuk melunaskan pinjaman,” katanya sambil menegaskan bahawa mereka yang disenaraikan sebagai muflis, perlu mencari jalan untuk menyelesaikan masalah itu.
Beliau menasihati orang ramai supaya tidak tertipu oleh individu yang menyamar sebagai ejen AKPK dan menuntut bayaran perkhidmatan kerana agensi itu tidak mengenakan sebarang bayaran bagi perkhidmatannya.
Mengulas tentang Ketua Menteri Sarawak Pehin Sri Abdul Taib Mahmud yang akan melepaskan jawatannya, Nancy, yang juga Angota Parlimen Batang Sadong, berkata beliau yakin pengganti Taib akan memikul tanggungjawab yang diamanahkan kepadanya dengan baik.
“Kami dididik sebagai satu entiti…sebagai sebuah keluarga, dan kami tidak akan bercakap tentang sesuatu isu kontroversi seperti bangsa dan agama. Itulah latihan yang kami terima sebagai ahli politik, terutama dalam Parti Pesaka Bumiputera Bersatu,” katanya. — Bernama
Feb 12, 2014 | financialmanagement
Jumlah individu dapatkan bantuan agensi pengurusan kredit meningkat
Categories: financialmanagementArtikel dari The Borneo Post, 12 Februari 2014
KUALA LUMPUR: Jumlah individu yang ingin mendapatkan bantuan daripada Agensi Kaunseling dan Pengurusan Kredit (AKPK) meningkat kepada 248,491 tahun lepas daripada 207,997 pada 2012.
Menteri di Jabatan Perdana Menteri Nancy Shukri berkata ini menunjukkan mereka yang lemah dalam pengurusan kewangan serta dibelenggu pinjaman, kini semakin menerima hakikat tentang pentingnya bagi mereka mendapatkan bantuan untuk menyelesaikan masalah masing-masing.
“Ia juga menunjukkan kini semakin banyak orang sedar tentang kewujudan AKPK,” katanya kepada pemberita selepas melawat pejabat agensi itu di sini semalam.
Beliau berkata kerajaan berusaha sedaya upaya untuk meningkatkan kesedaran orang ramai tentang kesan negatif akibat kemuflisan, terutama dalam kalangan belia, bagi mengurangkan kes kemuflisan di seluruh negara.
“Generasi muda perlu dimaklumkan tentang kesan daripada membuat pinjaman dan ketidakmampuan untuk melunaskan pinjaman,” katanya sambil menegaskan bahawa mereka yang disenaraikan sebagai muflis, perlu mencari jalan untuk menyelesaikan masalah itu.
Beliau menasihati orang ramai supaya tidak tertipu oleh individu yang menyamar sebagai ejen AKPK dan menuntut bayaran perkhidmatan kerana agensi itu tidak mengenakan sebarang bayaran bagi perkhidmatannya.
Mengulas tentang Ketua Menteri Sarawak Pehin Sri Abdul Taib Mahmud yang akan melepaskan jawatannya, Nancy, yang juga Angota Parlimen Batang Sadong, berkata beliau yakin pengganti Taib akan memikul tanggungjawab yang diamanahkan kepadanya dengan baik.
“Kami dididik sebagai satu entiti…sebagai sebuah keluarga, dan kami tidak akan bercakap tentang sesuatu isu kontroversi seperti bangsa dan agama. Itulah latihan yang kami terima sebagai ahli politik, terutama dalam Parti Pesaka Bumiputera Bersatu,” katanya. — Bernama
Artikel dari Harakah Daily, 12 Februari 2014
KUALA LUMPUR: Jumlah individu yang ingin mendapatkan bantuan daripada Agensi Kaunseling dan Pengurusan Kredit (AKPK) meningkat kepada 248,491 tahun lepas daripada 207,997 pada 2012.
Menteri di Jabatan Perdana Menteri Nancy Shukri berkata ini menunjukkan mereka yang lemah dalam pengurusan kewangan serta dibelenggu pinjaman, kini semakin menerima hakikat tentang pentingnya bagi mereka mendapatkan bantuan untuk menyelesaikan masalah masing-masing.
"Ia juga menunjukkan kini semakin banyak orang sedar tentang kewujudan AKPK," katanya kepada pemberita selepas melawat pejabat agansi itu di sini semalam.
Beliau berkata kerajaan berusaha sedaya upaya untuk meningkatkan kesedaran orang ramai tentang kesan negatif akibat kemuflisan, terutama dalam kalangan belia, bagi mengurangkan kes kemuflisan di seluruh negara.
"Generasi muda perlu dimaklumkan tentang kesan daripada membuat pinjaman dan ketidakmampuan untuk melunaskan pinjaman," katanya sambil menegaskan bahawa mereka yang disenaraikan sebagai muflis, perlu mencari jalan untuk menyelesaikan masalah itu. - Bernama
Artikel dari Harakah Daily, 12 Februari 2014
KUALA LUMPUR: Jumlah individu yang ingin mendapatkan bantuan daripada Agensi Kaunseling dan Pengurusan Kredit (AKPK) meningkat kepada 248,491 tahun lepas daripada 207,997 pada 2012.
Menteri di Jabatan Perdana Menteri Nancy Shukri berkata ini menunjukkan mereka yang lemah dalam pengurusan kewangan serta dibelenggu pinjaman, kini semakin menerima hakikat tentang pentingnya bagi mereka mendapatkan bantuan untuk menyelesaikan masalah masing-masing.
"Ia juga menunjukkan kini semakin banyak orang sedar tentang kewujudan AKPK," katanya kepada pemberita selepas melawat pejabat agansi itu di sini semalam.
Beliau berkata kerajaan berusaha sedaya upaya untuk meningkatkan kesedaran orang ramai tentang kesan negatif akibat kemuflisan, terutama dalam kalangan belia, bagi mengurangkan kes kemuflisan di seluruh negara.
"Generasi muda perlu dimaklumkan tentang kesan daripada membuat pinjaman dan ketidakmampuan untuk melunaskan pinjaman," katanya sambil menegaskan bahawa mereka yang disenaraikan sebagai muflis, perlu mencari jalan untuk menyelesaikan masalah itu. - Bernama
Feb 12, 2014 | financialmanagement
Artikel dari Harakah Daily, 12 Februari 2014
KUALA LUMPUR: Jumlah individu yang ingin mendapatkan bantuan daripada Agensi Kaunseling dan Pengurusan Kredit (AKPK) meningkat kepada 248,491 tahun lepas daripada 207,997 pada 2012.
Menteri di Jabatan Perdana Menteri Nancy Shukri berkata ini menunjukkan mereka yang lemah dalam pengurusan kewangan serta dibelenggu pinjaman, kini semakin menerima hakikat tentang pentingnya bagi mereka mendapatkan bantuan untuk menyelesaikan masalah masing-masing.
"Ia juga menunjukkan kini semakin banyak orang sedar tentang kewujudan AKPK," katanya kepada pemberita selepas melawat pejabat agansi itu di sini semalam.
Beliau berkata kerajaan berusaha sedaya upaya untuk meningkatkan kesedaran orang ramai tentang kesan negatif akibat kemuflisan, terutama dalam kalangan belia, bagi mengurangkan kes kemuflisan di seluruh negara.
"Generasi muda perlu dimaklumkan tentang kesan daripada membuat pinjaman dan ketidakmampuan untuk melunaskan pinjaman," katanya sambil menegaskan bahawa mereka yang disenaraikan sebagai muflis, perlu mencari jalan untuk menyelesaikan masalah itu. - Bernama
Artikel dari Utusan Malaysia, 12 Februari 2014
KUALA LUMPUR 11 Feb. - Kenaikan kos sara hidup tidak boleh dijadikan penyebab utama rakyat negara ini menjadi muflis.
Menteri di Jabatan Perdana Menteri, Nancy Shukri berkata, sebaliknya keadaan itu bergantung kepada kebijaksanaan rakyat mengurus kewangan masing-masing dengan pendapatan isi rumah yang terhad.
Beliau berkata demikian selepas mengadakan lawatan ke Agensi Kaunseling dan Pengurusan Kredit (AKPK), di sini hari ini.
Artikel dari Utusan Malaysia, 12 Februari 2014
KUALA LUMPUR 11 Feb. - Kenaikan kos sara hidup tidak boleh dijadikan penyebab utama rakyat negara ini menjadi muflis.
Menteri di Jabatan Perdana Menteri, Nancy Shukri berkata, sebaliknya keadaan itu bergantung kepada kebijaksanaan rakyat mengurus kewangan masing-masing dengan pendapatan isi rumah yang terhad.
Beliau berkata demikian selepas mengadakan lawatan ke Agensi Kaunseling dan Pengurusan Kredit (AKPK), di sini hari ini.
Feb 12, 2014 | financialmanagement
Artikel dari Utusan Malaysia, 12 Februari 2014
KUALA LUMPUR 11 Feb. - Kenaikan kos sara hidup tidak boleh dijadikan penyebab utama rakyat negara ini menjadi muflis.
Menteri di Jabatan Perdana Menteri, Nancy Shukri berkata, sebaliknya keadaan itu bergantung kepada kebijaksanaan rakyat mengurus kewangan masing-masing dengan pendapatan isi rumah yang terhad.
Beliau berkata demikian selepas mengadakan lawatan ke Agensi Kaunseling dan Pengurusan Kredit (AKPK), di sini hari ini.
Article from the Malay Mail dated 12 February 2014
THERE was an increase in the number of individuals seeking assistance from Credit Counselling and Debt Management Agency (AKPK) last year, with 248,491 participating in the programme, as compared to 207,997 in 2012.
Minister in the Prime Minister's Department Nancy Shukri said this showed that those with poor money management and bogged down with loans, were more receptive now on the importance of seeking assistance to solve their financial woes.
"It also shows that more people are now aware of the establishment of AKPK," she told reporters after visiting the agency's office yesterday.
She said the government was going all out to create more awareness on the negative impact of bankruptcy, especially among the youths, to ensure reduction in bankruptcy cases nationwide.
Nancy said youths should be exposed to the consequences of taking loans and the inability to repay, adding that those listed as bankrupts should seek help to find ways to sort out the problem.
She said the public should be aware that AKPK services were free of charge as there were cases of individuals impersonating as agents from AKPK and charging service fee. — Bernama
Article from the Malay Mail dated 12 February 2014
THERE was an increase in the number of individuals seeking assistance from Credit Counselling and Debt Management Agency (AKPK) last year, with 248,491 participating in the programme, as compared to 207,997 in 2012.
Minister in the Prime Minister's Department Nancy Shukri said this showed that those with poor money management and bogged down with loans, were more receptive now on the importance of seeking assistance to solve their financial woes.
"It also shows that more people are now aware of the establishment of AKPK," she told reporters after visiting the agency's office yesterday.
She said the government was going all out to create more awareness on the negative impact of bankruptcy, especially among the youths, to ensure reduction in bankruptcy cases nationwide.
Nancy said youths should be exposed to the consequences of taking loans and the inability to repay, adding that those listed as bankrupts should seek help to find ways to sort out the problem.
She said the public should be aware that AKPK services were free of charge as there were cases of individuals impersonating as agents from AKPK and charging service fee. — Bernama
Feb 12, 2014 | financialmanagement
Article from the Malay Mail dated 12 February 2014
THERE was an increase in the number of individuals seeking assistance from Credit Counselling and Debt Management Agency (AKPK) last year, with 248,491 participating in the programme, as compared to 207,997 in 2012.
Minister in the Prime Minister's Department Nancy Shukri said this showed that those with poor money management and bogged down with loans, were more receptive now on the importance of seeking assistance to solve their financial woes.
"It also shows that more people are now aware of the establishment of AKPK," she told reporters after visiting the agency's office yesterday.
She said the government was going all out to create more awareness on the negative impact of bankruptcy, especially among the youths, to ensure reduction in bankruptcy cases nationwide.
Nancy said youths should be exposed to the consequences of taking loans and the inability to repay, adding that those listed as bankrupts should seek help to find ways to sort out the problem.
She said the public should be aware that AKPK services were free of charge as there were cases of individuals impersonating as agents from AKPK and charging service fee. — Bernama
Artikel dari mStar, 12 Februari 2014
KUALA LUMPUR: Rakyat Malaysia mengambil lebih banyak pinjaman dari apa yang mampu untuk dibayar balik menggunakan gaji mereka menyebabkan jumlah individu diisytiharkan bankrap meningkat setiap tahun, kata Pengerusi Agensi Kaunseling dan Pengurusan Kredit (AKPK), Datuk Mohd Hanif Sher.
Menurut statistik AKPK setakat 31 Disember tahun lepas, seramai 62,818 dengan jumlah hutang RM4.5 bilion telah didaftarkan di bawah Program Pengurusan Kredit (DMP) di bawah agensi itu.
Berikutan peningkatan bilangan mereka yang diisytiharkan bankrap setiap tahun, Menteri di Jabatan Perdana Menteri, Nancy Shukri berkata, rakyat Malaysia yang mengalami masalah pengurusan kewangan perlu menyertai DMP bagi mengelakkan bilangan individu bankrap terus meningkat di negara ini.
Nancy berkata, kementerian menerusi Jabatan Insolvensi akan menjalankan program kesedaran dengan AKPK ke seluruh negara.
"Ramai orang tidak menyedari fungsi dan peranan AKPK. Mereka yang mempunyai hutang sehingga RM2 juta dan ke bawah boleh menyertai program pengurusan kredit ini yang membolehkan Jabatan Insolvensi mengurangkan bilangan kes kebankrapan," katanya selepas melawat ibu pejabat AKPK di Maju Tower di sini, Selasa.
Menurut statistik Jabatan Insolvensi, seramai 13,238 people diisytiharkan bankrap pada 2007, 13,855 (2008), 16,228 (2009), 18,119 (2010), 19,167 (2011) dan 19,575 (2012), dengan mereka dalam sektor swasta atau mengusahakan perniagaan mencatatkan peratusan paling tinggi.
Mohd Hanif berkata, 22.8% individu yang menyertai DMP menunjukkan perancangan kewangan yang lemah disebabkan oleh kegagalan untuk membayar balik pinjaman mereka.
"Mereka yang mencari khidmat pengurusan kewangan daripada kita menunjukkan kegagalan untuk membayar balik pinjaman sebagai punca utama," katanya.
Faktor-faktor lain dengan peratusan yang tinggi adalah perbelanjaan perubatan yang tinggi dan perniagaan gagal, masing-masing mencatatkan 18.1% dan 15.3%.
Artikel dari mStar, 12 Februari 2014
KUALA LUMPUR: Rakyat Malaysia mengambil lebih banyak pinjaman dari apa yang mampu untuk dibayar balik menggunakan gaji mereka menyebabkan jumlah individu diisytiharkan bankrap meningkat setiap tahun, kata Pengerusi Agensi Kaunseling dan Pengurusan Kredit (AKPK), Datuk Mohd Hanif Sher.
Menurut statistik AKPK setakat 31 Disember tahun lepas, seramai 62,818 dengan jumlah hutang RM4.5 bilion telah didaftarkan di bawah Program Pengurusan Kredit (DMP) di bawah agensi itu.
Berikutan peningkatan bilangan mereka yang diisytiharkan bankrap setiap tahun, Menteri di Jabatan Perdana Menteri, Nancy Shukri berkata, rakyat Malaysia yang mengalami masalah pengurusan kewangan perlu menyertai DMP bagi mengelakkan bilangan individu bankrap terus meningkat di negara ini.
Nancy berkata, kementerian menerusi Jabatan Insolvensi akan menjalankan program kesedaran dengan AKPK ke seluruh negara.
"Ramai orang tidak menyedari fungsi dan peranan AKPK. Mereka yang mempunyai hutang sehingga RM2 juta dan ke bawah boleh menyertai program pengurusan kredit ini yang membolehkan Jabatan Insolvensi mengurangkan bilangan kes kebankrapan," katanya selepas melawat ibu pejabat AKPK di Maju Tower di sini, Selasa.
Menurut statistik Jabatan Insolvensi, seramai 13,238 people diisytiharkan bankrap pada 2007, 13,855 (2008), 16,228 (2009), 18,119 (2010), 19,167 (2011) dan 19,575 (2012), dengan mereka dalam sektor swasta atau mengusahakan perniagaan mencatatkan peratusan paling tinggi.
Mohd Hanif berkata, 22.8% individu yang menyertai DMP menunjukkan perancangan kewangan yang lemah disebabkan oleh kegagalan untuk membayar balik pinjaman mereka.
"Mereka yang mencari khidmat pengurusan kewangan daripada kita menunjukkan kegagalan untuk membayar balik pinjaman sebagai punca utama," katanya.
Faktor-faktor lain dengan peratusan yang tinggi adalah perbelanjaan perubatan yang tinggi dan perniagaan gagal, masing-masing mencatatkan 18.1% dan 15.3%.
Feb 12, 2014 | financialmanagement
Artikel dari mStar, 12 Februari 2014
KUALA LUMPUR: Rakyat Malaysia mengambil lebih banyak pinjaman dari apa yang mampu untuk dibayar balik menggunakan gaji mereka menyebabkan jumlah individu diisytiharkan bankrap meningkat setiap tahun, kata Pengerusi Agensi Kaunseling dan Pengurusan Kredit (AKPK), Datuk Mohd Hanif Sher.
Menurut statistik AKPK setakat 31 Disember tahun lepas, seramai 62,818 dengan jumlah hutang RM4.5 bilion telah didaftarkan di bawah Program Pengurusan Kredit (DMP) di bawah agensi itu.
Berikutan peningkatan bilangan mereka yang diisytiharkan bankrap setiap tahun, Menteri di Jabatan Perdana Menteri, Nancy Shukri berkata, rakyat Malaysia yang mengalami masalah pengurusan kewangan perlu menyertai DMP bagi mengelakkan bilangan individu bankrap terus meningkat di negara ini.
Nancy berkata, kementerian menerusi Jabatan Insolvensi akan menjalankan program kesedaran dengan AKPK ke seluruh negara.
"Ramai orang tidak menyedari fungsi dan peranan AKPK. Mereka yang mempunyai hutang sehingga RM2 juta dan ke bawah boleh menyertai program pengurusan kredit ini yang membolehkan Jabatan Insolvensi mengurangkan bilangan kes kebankrapan," katanya selepas melawat ibu pejabat AKPK di Maju Tower di sini, Selasa.
Menurut statistik Jabatan Insolvensi, seramai 13,238 people diisytiharkan bankrap pada 2007, 13,855 (2008), 16,228 (2009), 18,119 (2010), 19,167 (2011) dan 19,575 (2012), dengan mereka dalam sektor swasta atau mengusahakan perniagaan mencatatkan peratusan paling tinggi.
Mohd Hanif berkata, 22.8% individu yang menyertai DMP menunjukkan perancangan kewangan yang lemah disebabkan oleh kegagalan untuk membayar balik pinjaman mereka.
"Mereka yang mencari khidmat pengurusan kewangan daripada kita menunjukkan kegagalan untuk membayar balik pinjaman sebagai punca utama," katanya.
Faktor-faktor lain dengan peratusan yang tinggi adalah perbelanjaan perubatan yang tinggi dan perniagaan gagal, masing-masing mencatatkan 18.1% dan 15.3%.
Artikel dari Harian Metro, 12 Februari 2014
Kuala Lumpur: Peningkatan kos sara hidup tidak boleh dijadikan faktor utama yang mendorong rakyat muflis, sebaliknya keadaan itu disebabkan cara seseorang mengurus kewangan masing-masing.
Menteri di Jabatan Perdana Menteri Nancy Shukri berkata, adalah tidak wajar mengaitkan kedua-dua perkara itu, memandangkan rakyat mempunyai banyak pilihan untuk mengurus keperluan hidup mereka mengikut kemampuan sendiri.
“Dan ini terlalu subjektif sebenarnya. Dalam kita mengurus keperluan hidup, ia bergantung sepenuhnya kepada kebijaksanaan kita terutama dalam berbelanja mengikut keupayaan kewangan yang ada.
“Ada tempat yang menawar produk dengan harga munasabah sekali gus tidak membebankan rakyat dan terdapat juga yang mahal, maka terpulang pada kita untuk membuat pilihan.
“Kita tak boleh jangka berapa ramai yang akan muflis pada masa depan tetapi kerajaan sentiasa melaksana program yang boleh meringankan beban semua orang, begitu juga dalam soal mengurus kewangan,” katanya pada sidang media di sini, semalam.
Beliau terdahulu mendengar taklimat pengurusan Agensi Kaunseling dan Pengurusan Kredit (AKPK) di sini yang dihadiri Pengerusi AKPK Datuk Mohd Hanif Sher Mohamed dan Ketua Pegawai Eksekutifnya Koid Swee Lian.
Artikel dari Harian Metro, 12 Februari 2014
Kuala Lumpur: Peningkatan kos sara hidup tidak boleh dijadikan faktor utama yang mendorong rakyat muflis, sebaliknya keadaan itu disebabkan cara seseorang mengurus kewangan masing-masing.
Menteri di Jabatan Perdana Menteri Nancy Shukri berkata, adalah tidak wajar mengaitkan kedua-dua perkara itu, memandangkan rakyat mempunyai banyak pilihan untuk mengurus keperluan hidup mereka mengikut kemampuan sendiri.
“Dan ini terlalu subjektif sebenarnya. Dalam kita mengurus keperluan hidup, ia bergantung sepenuhnya kepada kebijaksanaan kita terutama dalam berbelanja mengikut keupayaan kewangan yang ada.
“Ada tempat yang menawar produk dengan harga munasabah sekali gus tidak membebankan rakyat dan terdapat juga yang mahal, maka terpulang pada kita untuk membuat pilihan.
“Kita tak boleh jangka berapa ramai yang akan muflis pada masa depan tetapi kerajaan sentiasa melaksana program yang boleh meringankan beban semua orang, begitu juga dalam soal mengurus kewangan,” katanya pada sidang media di sini, semalam.
Beliau terdahulu mendengar taklimat pengurusan Agensi Kaunseling dan Pengurusan Kredit (AKPK) di sini yang dihadiri Pengerusi AKPK Datuk Mohd Hanif Sher Mohamed dan Ketua Pegawai Eksekutifnya Koid Swee Lian.
Feb 12, 2014 | financialmanagement
Artikel dari Harian Metro, 12 Februari 2014
Kuala Lumpur: Peningkatan kos sara hidup tidak boleh dijadikan faktor utama yang mendorong rakyat muflis, sebaliknya keadaan itu disebabkan cara seseorang mengurus kewangan masing-masing.
Menteri di Jabatan Perdana Menteri Nancy Shukri berkata, adalah tidak wajar mengaitkan kedua-dua perkara itu, memandangkan rakyat mempunyai banyak pilihan untuk mengurus keperluan hidup mereka mengikut kemampuan sendiri.
“Dan ini terlalu subjektif sebenarnya. Dalam kita mengurus keperluan hidup, ia bergantung sepenuhnya kepada kebijaksanaan kita terutama dalam berbelanja mengikut keupayaan kewangan yang ada.
“Ada tempat yang menawar produk dengan harga munasabah sekali gus tidak membebankan rakyat dan terdapat juga yang mahal, maka terpulang pada kita untuk membuat pilihan.
“Kita tak boleh jangka berapa ramai yang akan muflis pada masa depan tetapi kerajaan sentiasa melaksana program yang boleh meringankan beban semua orang, begitu juga dalam soal mengurus kewangan,” katanya pada sidang media di sini, semalam.
Beliau terdahulu mendengar taklimat pengurusan Agensi Kaunseling dan Pengurusan Kredit (AKPK) di sini yang dihadiri Pengerusi AKPK Datuk Mohd Hanif Sher Mohamed dan Ketua Pegawai Eksekutifnya Koid Swee Lian.
Spike In Individuals Seeking Assistance From Debt Management Agency - Nancy
Categories: financialmanagementArticle from BERNAMA dated 12 February 2014
KUALA LUMPUR, Feb 11 (Bernama) -- There was a spike in the number of individuals seeking assistance from Credit Counselling and Debt Management Agency (AKPK) last year, with 248,491 participating in the programme, as compared to 207,997 in 2012.
Minister in the Prime Minister's Department Nancy Shukri said this showed that those with poor money management and bogged down with loans, were more receptive now on the importance of seeking assistance to solve their financial woes.
"It also shows that more people are now aware of the establishment of AKPK," she told reporters after visiting the agency's office here today.
She said the government was going all out to create more awareness on the negative impact of bankruptcy, especially among the youths, to ensure reduction in bankruptcy cases nationwide.
Nancy said the young generation needed to be exposed to the impact of taking loans and the inability to repay, adding that those listed as bankrupts should seek help to find ways to sort out the problem.
She said the public should be aware that AKPK services were free of charge as there were cases of individuals impersonating as agents from AKPK and charging service fee.
On outgoing Sarawak Chief Minister Tan Sri Abdul Taib Mahmud, Nancy, who is also Batang Sadong member of parliament, said she was confident that his successor would shoulder the responsibility well.
"We have been coached as one entity...as one family, and we should not talk on controversial issues like race and religion. That has been our training as politicians, especially at Parti Pesaka Bumiputra Bersatu," she added.
Spike In Individuals Seeking Assistance From Debt Management Agency - Nancy
Categories: financialmanagementArticle from BERNAMA dated 12 February 2014
KUALA LUMPUR, Feb 11 (Bernama) -- There was a spike in the number of individuals seeking assistance from Credit Counselling and Debt Management Agency (AKPK) last year, with 248,491 participating in the programme, as compared to 207,997 in 2012.
Minister in the Prime Minister's Department Nancy Shukri said this showed that those with poor money management and bogged down with loans, were more receptive now on the importance of seeking assistance to solve their financial woes.
"It also shows that more people are now aware of the establishment of AKPK," she told reporters after visiting the agency's office here today.
She said the government was going all out to create more awareness on the negative impact of bankruptcy, especially among the youths, to ensure reduction in bankruptcy cases nationwide.
Nancy said the young generation needed to be exposed to the impact of taking loans and the inability to repay, adding that those listed as bankrupts should seek help to find ways to sort out the problem.
She said the public should be aware that AKPK services were free of charge as there were cases of individuals impersonating as agents from AKPK and charging service fee.
On outgoing Sarawak Chief Minister Tan Sri Abdul Taib Mahmud, Nancy, who is also Batang Sadong member of parliament, said she was confident that his successor would shoulder the responsibility well.
"We have been coached as one entity...as one family, and we should not talk on controversial issues like race and religion. That has been our training as politicians, especially at Parti Pesaka Bumiputra Bersatu," she added.
Feb 12, 2014 | financialmanagement
Spike In Individuals Seeking Assistance From Debt Management Agency - Nancy
Categories: financialmanagementArticle from BERNAMA dated 12 February 2014
KUALA LUMPUR, Feb 11 (Bernama) -- There was a spike in the number of individuals seeking assistance from Credit Counselling and Debt Management Agency (AKPK) last year, with 248,491 participating in the programme, as compared to 207,997 in 2012.
Minister in the Prime Minister's Department Nancy Shukri said this showed that those with poor money management and bogged down with loans, were more receptive now on the importance of seeking assistance to solve their financial woes.
"It also shows that more people are now aware of the establishment of AKPK," she told reporters after visiting the agency's office here today.
She said the government was going all out to create more awareness on the negative impact of bankruptcy, especially among the youths, to ensure reduction in bankruptcy cases nationwide.
Nancy said the young generation needed to be exposed to the impact of taking loans and the inability to repay, adding that those listed as bankrupts should seek help to find ways to sort out the problem.
She said the public should be aware that AKPK services were free of charge as there were cases of individuals impersonating as agents from AKPK and charging service fee.
On outgoing Sarawak Chief Minister Tan Sri Abdul Taib Mahmud, Nancy, who is also Batang Sadong member of parliament, said she was confident that his successor would shoulder the responsibility well.
"We have been coached as one entity...as one family, and we should not talk on controversial issues like race and religion. That has been our training as politicians, especially at Parti Pesaka Bumiputra Bersatu," she added.
Spike In Individuals Seeking Assistance From Debt Management Agency - Nancy
Categories: financialmanagementArticle from The Edge dated 12 February 2014
KUALA LUMPUR, Feb 11 (Bernama) -- There was a spike in the number of individuals seeking assistance from Credit Counselling and Debt Management Agency (AKPK) last year, with 248,491 participating in the programme, as compared to 207,997 in 2012.
Minister in the Prime Minister's Department Nancy Shukri said this showed that those with poor money management and bogged down with loans, were more receptive now on the importance of seeking assistance to solve their financial woes.
"It also shows that more people are now aware of the establishment of AKPK," she told reporters after visiting the agency's office here today.
She said the government was going all out to create more awareness on the negative impact of bankruptcy, especially among the youths, to ensure reduction in bankruptcy cases nationwide.
Nancy said the young generation needed to be exposed to the impact of taking loans and the inability to repay, adding that those listed as bankrupts should seek help to find ways to sort out the problem.
She said the public should be aware that AKPK services were free of charge as there were cases of individuals impersonating as agents from AKPK and charging service fee.
On outgoing Sarawak Chief Minister Tan Sri Abdul Taib Mahmud, Nancy, who is also Batang Sadong member of parliament, said she was confident that his successor would shoulder the responsibility well.
"We have been coached as one entity...as one family, and we should not talk on controversial issues like race and religion. That has been our training as politicians, especially at Parti Pesaka Bumiputra Bersatu," she added.
Spike In Individuals Seeking Assistance From Debt Management Agency - Nancy
Categories: financialmanagementArticle from The Edge dated 12 February 2014
KUALA LUMPUR, Feb 11 (Bernama) -- There was a spike in the number of individuals seeking assistance from Credit Counselling and Debt Management Agency (AKPK) last year, with 248,491 participating in the programme, as compared to 207,997 in 2012.
Minister in the Prime Minister's Department Nancy Shukri said this showed that those with poor money management and bogged down with loans, were more receptive now on the importance of seeking assistance to solve their financial woes.
"It also shows that more people are now aware of the establishment of AKPK," she told reporters after visiting the agency's office here today.
She said the government was going all out to create more awareness on the negative impact of bankruptcy, especially among the youths, to ensure reduction in bankruptcy cases nationwide.
Nancy said the young generation needed to be exposed to the impact of taking loans and the inability to repay, adding that those listed as bankrupts should seek help to find ways to sort out the problem.
She said the public should be aware that AKPK services were free of charge as there were cases of individuals impersonating as agents from AKPK and charging service fee.
On outgoing Sarawak Chief Minister Tan Sri Abdul Taib Mahmud, Nancy, who is also Batang Sadong member of parliament, said she was confident that his successor would shoulder the responsibility well.
"We have been coached as one entity...as one family, and we should not talk on controversial issues like race and religion. That has been our training as politicians, especially at Parti Pesaka Bumiputra Bersatu," she added.
Feb 12, 2014 | financialmanagement
Spike In Individuals Seeking Assistance From Debt Management Agency - Nancy
Categories: financialmanagementArticle from The Edge dated 12 February 2014
KUALA LUMPUR, Feb 11 (Bernama) -- There was a spike in the number of individuals seeking assistance from Credit Counselling and Debt Management Agency (AKPK) last year, with 248,491 participating in the programme, as compared to 207,997 in 2012.
Minister in the Prime Minister's Department Nancy Shukri said this showed that those with poor money management and bogged down with loans, were more receptive now on the importance of seeking assistance to solve their financial woes.
"It also shows that more people are now aware of the establishment of AKPK," she told reporters after visiting the agency's office here today.
She said the government was going all out to create more awareness on the negative impact of bankruptcy, especially among the youths, to ensure reduction in bankruptcy cases nationwide.
Nancy said the young generation needed to be exposed to the impact of taking loans and the inability to repay, adding that those listed as bankrupts should seek help to find ways to sort out the problem.
She said the public should be aware that AKPK services were free of charge as there were cases of individuals impersonating as agents from AKPK and charging service fee.
On outgoing Sarawak Chief Minister Tan Sri Abdul Taib Mahmud, Nancy, who is also Batang Sadong member of parliament, said she was confident that his successor would shoulder the responsibility well.
"We have been coached as one entity...as one family, and we should not talk on controversial issues like race and religion. That has been our training as politicians, especially at Parti Pesaka Bumiputra Bersatu," she added.
Artikel dari Berita Harian, 19 Februari 2014
Kami merujuk kepada artikel saudara Mohd Taufiq Mahmud mengenai ‘Didik rakyat urus kewangan’ dalam ruangan Forum BH.
Agensi Kaunseling dan Pengurusan Kredit (AKPK), sebuah institusi milik penuh Bank Negara Malaysia (BNM), telah ditubuhkan untuk mempromosikan kesejahteraan kewangan dalam kalangan pengguna di Malaysia.
Selaras dengan visi AKPK, ‘Jadikan pengurusan kewangan berhemat sebagai budaya hidup’, agensi ini menyediakan khidmat nasihat kewangannya secara percuma kepada semua pengguna.
Beban kenaikan kos
Beban kenaikan kos sara hidup sudah tentulah memberi sedikit sebanyak impak kepada pengguna terutama golongan berpendapatan sederhana dan rendah.
Dalam keadaan ini, AKPK boleh membantu rakyat Malaysia untuk menjadi pengguna yang berpengetahuan serta dapat mengawal kedudukan kewangan mereka termasuk dalam hal pengurusan kredit. AKPK menyediakan perkhidmatan seperti berikut:
i) Kaunseling kewangan
Kaunseling diberi kepada individu secara berseorangan dan bersemuka di mana pegawai kaunselor AKPK akan:
•Memberi khidmat nasihat kewangan termasuk tentang bajet, pengurusan wang dan masalah pinjaman;
•Membantu pelanggan menganalisis status kewangan serta mengenal pasti jalan-jalan pilihan untuk memulihkan kedudukan kewangan mereka.
ii) Program Pengurusan Kredit (PPK) atau Debt Management Programme (DMP)
Melalui program ini, AKPK membantu individu-individu untuk menguruskan pinjaman mereka dengan penyedia-penyedia kredit (credit providers).
Kedudukan kewangan mereka akan disemak dan seterusnya pelan pembayaran balik pinjaman mereka disediakan melalui perundingan dengan penyedia kredit berkenaan.
Kriteria kelayakan PPK adalah seperti berikut:
•Hanya pinjaman kepada individu (bukan pinjaman perniagaan);
•Mempunyai baki pendapatan yang positif selepas menolak kos perbelanjaan;
•Kemudahan pinjaman yang diperoleh daripada senarai penyelia kredit yang diluluskan oleh BNM sahaja;
•Jumlah kesemua pinjaman yang sedia ada tidak melebihi RM2 juta;
•Tidak berada di bawah tindakan undang-undang tahap lanjut;
•Bukan seorang bankrap.
Sejak AKPK ditubuhkan sehingga November 2013, seramai 244,517 orang individu telah mendapat khidmat kaunseling AKPK dan daripada jumlah ini, 99,347 orang telah menyertai PPK ini.
iii) Pendidikan Kewangan
Pendidikan kewangan AKPK ini bertujuan meningkatkan ilmu mengurus kewangan peribadi bagi mengelak orang ramai daripada terjerumus ke dalam belenggu hutang. Ia mengandungi program pendidikan tentang kemahiran asas pengurusan wang termasuk ‘tips’ menggunakan kredit secara bertanggungjawab dan seterusnya pengurusan kewangan secara bijak.
Melalui pendidikan kewangan ini, AKPK telah mengeluarkan beberapa buah buku mengenai pengurusan kewangan. Buku Celik Wang (Money Sense) memberi pengetahuan tentang perancangan kewangan termasuk memberi tunjuk ajar tentang menambahkan nilai harta bersih anda.
Ajar asas-asas meminjam
Buku POWER! Pengurusan Wang Ringgit Anda (POWER! Managing Your Debts Efectively) pula mengajar pengguna tentang asas-asas meminjam, penggunaan kad kredit, membeli rumah, kereta dan sebagainya.
Buku komik pengurusan wang yang berkonsepkan bacaan ringan dan santai berdasarkan ‘Guru Q’ (Old Master Q) merupakan sebuah lagi buku terbitan AKPK untuk mengingatkan pembaca supaya menjadi pengguna yang bijak. Kesemua buku terbitan AKPK ini boleh diperoleh dalam Bahasa Melayu, Cina, Tamil dan Inggeris.
AKPK melaksanakan program pendidikan kewangannya melalui seminar/bengkel, ‘roadshows’, pameran dan promosi melalui media massa dan taklimat di seluruh negara.
Untuk mendapatkan taklimat pendidikan kewangan AKPK, sila layari laman web AKPK www.akpk.org.my. Orang ramai juga boleh menghubungi AKPK melalui saluran-saluran berikut:
•11 pejabat cawangan dan 10 pejabat kaunseling kredit AKPK di seluruh negara;
•Talian bebas tol AKPK Infoline 1800 88 2575;
•Lamanweb – www.akpk.org.my
•Facebook – AKPKofficial;
•Twitter – AKPK_POWER
•YouTube – AKPKTVC
Artikel dari Berita Harian, 19 Februari 2014
Kami merujuk kepada artikel saudara Mohd Taufiq Mahmud mengenai ‘Didik rakyat urus kewangan’ dalam ruangan Forum BH.
Agensi Kaunseling dan Pengurusan Kredit (AKPK), sebuah institusi milik penuh Bank Negara Malaysia (BNM), telah ditubuhkan untuk mempromosikan kesejahteraan kewangan dalam kalangan pengguna di Malaysia.
Selaras dengan visi AKPK, ‘Jadikan pengurusan kewangan berhemat sebagai budaya hidup’, agensi ini menyediakan khidmat nasihat kewangannya secara percuma kepada semua pengguna.
Beban kenaikan kos
Beban kenaikan kos sara hidup sudah tentulah memberi sedikit sebanyak impak kepada pengguna terutama golongan berpendapatan sederhana dan rendah.
Dalam keadaan ini, AKPK boleh membantu rakyat Malaysia untuk menjadi pengguna yang berpengetahuan serta dapat mengawal kedudukan kewangan mereka termasuk dalam hal pengurusan kredit. AKPK menyediakan perkhidmatan seperti berikut:
i) Kaunseling kewangan
Kaunseling diberi kepada individu secara berseorangan dan bersemuka di mana pegawai kaunselor AKPK akan:
•Memberi khidmat nasihat kewangan termasuk tentang bajet, pengurusan wang dan masalah pinjaman;
•Membantu pelanggan menganalisis status kewangan serta mengenal pasti jalan-jalan pilihan untuk memulihkan kedudukan kewangan mereka.
ii) Program Pengurusan Kredit (PPK) atau Debt Management Programme (DMP)
Melalui program ini, AKPK membantu individu-individu untuk menguruskan pinjaman mereka dengan penyedia-penyedia kredit (credit providers).
Kedudukan kewangan mereka akan disemak dan seterusnya pelan pembayaran balik pinjaman mereka disediakan melalui perundingan dengan penyedia kredit berkenaan.
Kriteria kelayakan PPK adalah seperti berikut:
•Hanya pinjaman kepada individu (bukan pinjaman perniagaan);
•Mempunyai baki pendapatan yang positif selepas menolak kos perbelanjaan;
•Kemudahan pinjaman yang diperoleh daripada senarai penyelia kredit yang diluluskan oleh BNM sahaja;
•Jumlah kesemua pinjaman yang sedia ada tidak melebihi RM2 juta;
•Tidak berada di bawah tindakan undang-undang tahap lanjut;
•Bukan seorang bankrap.
Sejak AKPK ditubuhkan sehingga November 2013, seramai 244,517 orang individu telah mendapat khidmat kaunseling AKPK dan daripada jumlah ini, 99,347 orang telah menyertai PPK ini.
iii) Pendidikan Kewangan
Pendidikan kewangan AKPK ini bertujuan meningkatkan ilmu mengurus kewangan peribadi bagi mengelak orang ramai daripada terjerumus ke dalam belenggu hutang. Ia mengandungi program pendidikan tentang kemahiran asas pengurusan wang termasuk ‘tips’ menggunakan kredit secara bertanggungjawab dan seterusnya pengurusan kewangan secara bijak.
Melalui pendidikan kewangan ini, AKPK telah mengeluarkan beberapa buah buku mengenai pengurusan kewangan. Buku Celik Wang (Money Sense) memberi pengetahuan tentang perancangan kewangan termasuk memberi tunjuk ajar tentang menambahkan nilai harta bersih anda.
Ajar asas-asas meminjam
Buku POWER! Pengurusan Wang Ringgit Anda (POWER! Managing Your Debts Efectively) pula mengajar pengguna tentang asas-asas meminjam, penggunaan kad kredit, membeli rumah, kereta dan sebagainya.
Buku komik pengurusan wang yang berkonsepkan bacaan ringan dan santai berdasarkan ‘Guru Q’ (Old Master Q) merupakan sebuah lagi buku terbitan AKPK untuk mengingatkan pembaca supaya menjadi pengguna yang bijak. Kesemua buku terbitan AKPK ini boleh diperoleh dalam Bahasa Melayu, Cina, Tamil dan Inggeris.
AKPK melaksanakan program pendidikan kewangannya melalui seminar/bengkel, ‘roadshows’, pameran dan promosi melalui media massa dan taklimat di seluruh negara.
Untuk mendapatkan taklimat pendidikan kewangan AKPK, sila layari laman web AKPK www.akpk.org.my. Orang ramai juga boleh menghubungi AKPK melalui saluran-saluran berikut:
•11 pejabat cawangan dan 10 pejabat kaunseling kredit AKPK di seluruh negara;
•Talian bebas tol AKPK Infoline 1800 88 2575;
•Lamanweb – www.akpk.org.my
•Facebook – AKPKofficial;
•Twitter – AKPK_POWER
•YouTube – AKPKTVC
Feb 19, 2014 | financialmanagement
Artikel dari Berita Harian, 19 Februari 2014
Kami merujuk kepada artikel saudara Mohd Taufiq Mahmud mengenai ‘Didik rakyat urus kewangan’ dalam ruangan Forum BH.
Agensi Kaunseling dan Pengurusan Kredit (AKPK), sebuah institusi milik penuh Bank Negara Malaysia (BNM), telah ditubuhkan untuk mempromosikan kesejahteraan kewangan dalam kalangan pengguna di Malaysia.
Selaras dengan visi AKPK, ‘Jadikan pengurusan kewangan berhemat sebagai budaya hidup’, agensi ini menyediakan khidmat nasihat kewangannya secara percuma kepada semua pengguna.
Beban kenaikan kos
Beban kenaikan kos sara hidup sudah tentulah memberi sedikit sebanyak impak kepada pengguna terutama golongan berpendapatan sederhana dan rendah.
Dalam keadaan ini, AKPK boleh membantu rakyat Malaysia untuk menjadi pengguna yang berpengetahuan serta dapat mengawal kedudukan kewangan mereka termasuk dalam hal pengurusan kredit. AKPK menyediakan perkhidmatan seperti berikut:
i) Kaunseling kewangan
Kaunseling diberi kepada individu secara berseorangan dan bersemuka di mana pegawai kaunselor AKPK akan:
•Memberi khidmat nasihat kewangan termasuk tentang bajet, pengurusan wang dan masalah pinjaman;
•Membantu pelanggan menganalisis status kewangan serta mengenal pasti jalan-jalan pilihan untuk memulihkan kedudukan kewangan mereka.
ii) Program Pengurusan Kredit (PPK) atau Debt Management Programme (DMP)
Melalui program ini, AKPK membantu individu-individu untuk menguruskan pinjaman mereka dengan penyedia-penyedia kredit (credit providers).
Kedudukan kewangan mereka akan disemak dan seterusnya pelan pembayaran balik pinjaman mereka disediakan melalui perundingan dengan penyedia kredit berkenaan.
Kriteria kelayakan PPK adalah seperti berikut:
•Hanya pinjaman kepada individu (bukan pinjaman perniagaan);
•Mempunyai baki pendapatan yang positif selepas menolak kos perbelanjaan;
•Kemudahan pinjaman yang diperoleh daripada senarai penyelia kredit yang diluluskan oleh BNM sahaja;
•Jumlah kesemua pinjaman yang sedia ada tidak melebihi RM2 juta;
•Tidak berada di bawah tindakan undang-undang tahap lanjut;
•Bukan seorang bankrap.
Sejak AKPK ditubuhkan sehingga November 2013, seramai 244,517 orang individu telah mendapat khidmat kaunseling AKPK dan daripada jumlah ini, 99,347 orang telah menyertai PPK ini.
iii) Pendidikan Kewangan
Pendidikan kewangan AKPK ini bertujuan meningkatkan ilmu mengurus kewangan peribadi bagi mengelak orang ramai daripada terjerumus ke dalam belenggu hutang. Ia mengandungi program pendidikan tentang kemahiran asas pengurusan wang termasuk ‘tips’ menggunakan kredit secara bertanggungjawab dan seterusnya pengurusan kewangan secara bijak.
Melalui pendidikan kewangan ini, AKPK telah mengeluarkan beberapa buah buku mengenai pengurusan kewangan. Buku Celik Wang (Money Sense) memberi pengetahuan tentang perancangan kewangan termasuk memberi tunjuk ajar tentang menambahkan nilai harta bersih anda.
Ajar asas-asas meminjam
Buku POWER! Pengurusan Wang Ringgit Anda (POWER! Managing Your Debts Efectively) pula mengajar pengguna tentang asas-asas meminjam, penggunaan kad kredit, membeli rumah, kereta dan sebagainya.
Buku komik pengurusan wang yang berkonsepkan bacaan ringan dan santai berdasarkan ‘Guru Q’ (Old Master Q) merupakan sebuah lagi buku terbitan AKPK untuk mengingatkan pembaca supaya menjadi pengguna yang bijak. Kesemua buku terbitan AKPK ini boleh diperoleh dalam Bahasa Melayu, Cina, Tamil dan Inggeris.
AKPK melaksanakan program pendidikan kewangannya melalui seminar/bengkel, ‘roadshows’, pameran dan promosi melalui media massa dan taklimat di seluruh negara.
Untuk mendapatkan taklimat pendidikan kewangan AKPK, sila layari laman web AKPK www.akpk.org.my. Orang ramai juga boleh menghubungi AKPK melalui saluran-saluran berikut:
•11 pejabat cawangan dan 10 pejabat kaunseling kredit AKPK di seluruh negara;
•Talian bebas tol AKPK Infoline 1800 88 2575;
•Lamanweb – www.akpk.org.my
•Facebook – AKPKofficial;
•Twitter – AKPK_POWER
•YouTube – AKPKTVC
Artikel dari Harian Metro, 20 Februari 2014
Demikian nasihat seorang mangsa yang terjebak dengan hutang kad kredit NB Dayananda, 72, yang kini sedang dibantu Agensi Kaunseling dan Pengurusan Kredit (AKPK) selepas gagal melunaskan hutang yang turut menyebabkan dia disisih keluarga serta rakan.
Menceritakan pengalamannya, Dayananda berkata, dia adalah bekas pengurus pemasaran berjaya di London dan pulang ke Malaysia pada 2001.
“Oleh kerana saya tidak bekerja, saya menggunakan duit simpanan untuk menampung kos hidup.
Pada 2012, saya gagal menguruskan bil dua kad kredit berjumlah RM13,000.
“Disebabkan itu, pihak bank menghantar surat untuk merampas perabot dan rumah saya di Seremban untuk melangsaikan hutang.
Saya bernasib baik apabila diperkenalkan seseorang dengan AKPK,” katanya ketika majlis makan tengah hari bersama media anjuran AKPK, di sini, semalam.
Menurutnya, tindakan berjumpa AKPK tepat apabila dia dapat membayar hutang secara ansuran.
Dayananda antara lima peserta dibantu AKPK menerima sijil penghargaan daripada agensi itu semalam.
Sementara itu, Ketua Pegawai Eksekutif AKPK Koid Swee Lian berkata, pada tahun lalu, sebanyak 1.5 juta orang dibantu agensi itu untuk pengurusan kewangan yang mana perkhidmatan ini adalah percuma.
Artikel dari Harian Metro, 20 Februari 2014
Demikian nasihat seorang mangsa yang terjebak dengan hutang kad kredit NB Dayananda, 72, yang kini sedang dibantu Agensi Kaunseling dan Pengurusan Kredit (AKPK) selepas gagal melunaskan hutang yang turut menyebabkan dia disisih keluarga serta rakan.
Menceritakan pengalamannya, Dayananda berkata, dia adalah bekas pengurus pemasaran berjaya di London dan pulang ke Malaysia pada 2001.
“Oleh kerana saya tidak bekerja, saya menggunakan duit simpanan untuk menampung kos hidup.
Pada 2012, saya gagal menguruskan bil dua kad kredit berjumlah RM13,000.
“Disebabkan itu, pihak bank menghantar surat untuk merampas perabot dan rumah saya di Seremban untuk melangsaikan hutang.
Saya bernasib baik apabila diperkenalkan seseorang dengan AKPK,” katanya ketika majlis makan tengah hari bersama media anjuran AKPK, di sini, semalam.
Menurutnya, tindakan berjumpa AKPK tepat apabila dia dapat membayar hutang secara ansuran.
Dayananda antara lima peserta dibantu AKPK menerima sijil penghargaan daripada agensi itu semalam.
Sementara itu, Ketua Pegawai Eksekutif AKPK Koid Swee Lian berkata, pada tahun lalu, sebanyak 1.5 juta orang dibantu agensi itu untuk pengurusan kewangan yang mana perkhidmatan ini adalah percuma.
Feb 20, 2014 | financialmanagement
Artikel dari Harian Metro, 20 Februari 2014
Demikian nasihat seorang mangsa yang terjebak dengan hutang kad kredit NB Dayananda, 72, yang kini sedang dibantu Agensi Kaunseling dan Pengurusan Kredit (AKPK) selepas gagal melunaskan hutang yang turut menyebabkan dia disisih keluarga serta rakan.
Menceritakan pengalamannya, Dayananda berkata, dia adalah bekas pengurus pemasaran berjaya di London dan pulang ke Malaysia pada 2001.
“Oleh kerana saya tidak bekerja, saya menggunakan duit simpanan untuk menampung kos hidup.
Pada 2012, saya gagal menguruskan bil dua kad kredit berjumlah RM13,000.
“Disebabkan itu, pihak bank menghantar surat untuk merampas perabot dan rumah saya di Seremban untuk melangsaikan hutang.
Saya bernasib baik apabila diperkenalkan seseorang dengan AKPK,” katanya ketika majlis makan tengah hari bersama media anjuran AKPK, di sini, semalam.
Menurutnya, tindakan berjumpa AKPK tepat apabila dia dapat membayar hutang secara ansuran.
Dayananda antara lima peserta dibantu AKPK menerima sijil penghargaan daripada agensi itu semalam.
Sementara itu, Ketua Pegawai Eksekutif AKPK Koid Swee Lian berkata, pada tahun lalu, sebanyak 1.5 juta orang dibantu agensi itu untuk pengurusan kewangan yang mana perkhidmatan ini adalah percuma.
Article from The Malaysian Digest dated 20 February 2014
“I work all night, I work all day, to pay the bills I have to pay, ain’t it sad? And still there never sees to be a single penny left for me, that’s too bad!” – ABBA, “Money. Money, Money”
I couldn’t help myself to sing that line of the song by a popular 1970’s Swedish pop group ABBA whenever the word ‘money’ came across my mind.
Frankly speaking, money if often used to buy something you want rather than something you need, especially when one lives in an urban area. Surrounded by the peer pressure to live like kings, without proper financial planning spending to please other people can lead you into bankruptcy very quickly.
Contrary to popular belief, bankruptcy isn’t a human condition, but a legal status enforced by a court order on a person who is unable to pay off the debts that he owes to his creditors.
Being bankrupt means you will lose some of your legal rights, particularly those related to finance. Your bank accounts will be frozen and the Director-General of Insolvency (DGI) will control all of your assets and properties.
That’s not all, don’t even think you can step your foot right out from Malaysia because there will be difficulties for you to travel overseas and other restrictions.
What’s worrying is that the ages of those declared bankrupt now also include those who are younger. There is now an increment of bankruptcy in our country with over 47% of young adults’ age between 18 – 35-years-old are having serious debts due to living beyond their means.
According to the recent statistics from the Malaysian Department of Insolvency (MDI), an average of 1,812 people are declared bankrupt per month last year, with an 11% rise in the average number of monthly bankruptcies from 2012 to 2013.
Although you will be declared bankrupt by a court rule for debts above RM30,000, many young people would refer it simply as being broke.
Sherry (not her real name), 28, lost a place to stay after failing to pay rent and her car repossessed by the bank. Sherry admits that she tends to overspend on branded goods, beauty treatments and other excesses because she is used to having a lavish lifestyle since small.
“I was born with a silver spoon. As a child, I am used to get whatever I wanted. I am used to showing off expensive things I bought to my friends and have spent thousands of Ringgit to fund my posh lifestyle, she confessed.
The pressure to live the life of luxury soon led to her divorce.
“I admit that I did not have a proper financial planning to get out of my financial troubles,” admits Sherry.
The harsh reality of having no income after the divorce really had her having thoughts of ending her life at one time but for the sake of her daughter, Sherry regrouped and sought to start fresh by getting a job as a receptionist.
She is now struggling to settle her debts.
“I thank God for not choosing suicide to end my misery only because of my daughter, I just wish I was more cautious before and now I want to learn from my mistakes,” said Sherry.
Why are we having debts?
The lack of discipline on financial management is why many young Malaysians today carrying major debts and also with it a high possibility to go bankrupt, according to Public Mutual Agency Manager-Unit Trust Consultant, Erin Adlina Adnan, 25.
“Apart from majority of credit card debts and higher purchase loans like car and housing loans, most young adults did not settle their study loan as well upon graduating from university and this set a bad record or being blacklisted in Malaysia,” said Erin.
Their lifestyle also due to overspending on items like branded goods, gadgets, and cars. They are mainly pressured among their peers earn less from those who can afford, which is around RM2000 to RM3000 per month.
“You have to know where are you standing with the income that you have. This matter is quite subjective and it all depends on how an individual manage their finance,” she said.
Some would see being bankrupt as a choice, especially for those who are doing business as their source of income.
As a financial advisor, Erin always advises her clients to have another saving fund to support the usual funds such as the EPF, ASB or the Hajj fund and always have a thought to invest your savings so you can enjoy the harvest for your future.
Getting the help you need
In effort to curtail bankruptcy, Bank Negara Malaysia has set up an agency called Agensi Kaunseling dan Pengurusan Kredit (AKPK) to help individuals manage their financials accordingly.
Since its set up in 2006, AKPK had reached out to 248,491 people as of December 2013 in their counseling program with over 40% of them people enrolled in their Debt Management Program (DMP) stated the General Manager, Operations Division, Nor Fazleen Zakaria.
“When customers come and seek our counselor, we will go through their income and expenditure to analyze their financial status so they can manage personally, however there are instances where we see there is a need of us to come in and encourage them to enroll in our programme,” she said.
Through a programme called “POWER! – Managing Your Debts Effectively”, it was developed for the youngsters to learn basic financial knowledge such as Cash Flow Management, Borrowing Basics and Debt Management. It is very useful especially for them who are about to start working and taking loan after graduating.
“Most people are not comfortable to discuss financial matter openly, but we encourage them to be more open because we want to prevent Malaysians from leaping into bankruptcy,” said Nor Fazleen.
“A lot of people do not understand what is bankruptcy is all about. When you take a loan, you know have to pay and there’s no way you can run without paying, that is when it will accumulate and you’ll be declared a bankrupt” she added.
Money does not grow from a tree, while we all busy making a living, always know that everyone must always spend wisely, not excessively, or it will all be gone before we know it.
Article from The Malaysian Digest dated 20 February 2014
“I work all night, I work all day, to pay the bills I have to pay, ain’t it sad? And still there never sees to be a single penny left for me, that’s too bad!” – ABBA, “Money. Money, Money”
I couldn’t help myself to sing that line of the song by a popular 1970’s Swedish pop group ABBA whenever the word ‘money’ came across my mind.
Frankly speaking, money if often used to buy something you want rather than something you need, especially when one lives in an urban area. Surrounded by the peer pressure to live like kings, without proper financial planning spending to please other people can lead you into bankruptcy very quickly.
Contrary to popular belief, bankruptcy isn’t a human condition, but a legal status enforced by a court order on a person who is unable to pay off the debts that he owes to his creditors.
Being bankrupt means you will lose some of your legal rights, particularly those related to finance. Your bank accounts will be frozen and the Director-General of Insolvency (DGI) will control all of your assets and properties.
That’s not all, don’t even think you can step your foot right out from Malaysia because there will be difficulties for you to travel overseas and other restrictions.
What’s worrying is that the ages of those declared bankrupt now also include those who are younger. There is now an increment of bankruptcy in our country with over 47% of young adults’ age between 18 – 35-years-old are having serious debts due to living beyond their means.
According to the recent statistics from the Malaysian Department of Insolvency (MDI), an average of 1,812 people are declared bankrupt per month last year, with an 11% rise in the average number of monthly bankruptcies from 2012 to 2013.
Although you will be declared bankrupt by a court rule for debts above RM30,000, many young people would refer it simply as being broke.
Sherry (not her real name), 28, lost a place to stay after failing to pay rent and her car repossessed by the bank. Sherry admits that she tends to overspend on branded goods, beauty treatments and other excesses because she is used to having a lavish lifestyle since small.
“I was born with a silver spoon. As a child, I am used to get whatever I wanted. I am used to showing off expensive things I bought to my friends and have spent thousands of Ringgit to fund my posh lifestyle, she confessed.
The pressure to live the life of luxury soon led to her divorce.
“I admit that I did not have a proper financial planning to get out of my financial troubles,” admits Sherry.
The harsh reality of having no income after the divorce really had her having thoughts of ending her life at one time but for the sake of her daughter, Sherry regrouped and sought to start fresh by getting a job as a receptionist.
She is now struggling to settle her debts.
“I thank God for not choosing suicide to end my misery only because of my daughter, I just wish I was more cautious before and now I want to learn from my mistakes,” said Sherry.
Why are we having debts?
The lack of discipline on financial management is why many young Malaysians today carrying major debts and also with it a high possibility to go bankrupt, according to Public Mutual Agency Manager-Unit Trust Consultant, Erin Adlina Adnan, 25.
“Apart from majority of credit card debts and higher purchase loans like car and housing loans, most young adults did not settle their study loan as well upon graduating from university and this set a bad record or being blacklisted in Malaysia,” said Erin.
Their lifestyle also due to overspending on items like branded goods, gadgets, and cars. They are mainly pressured among their peers earn less from those who can afford, which is around RM2000 to RM3000 per month.
“You have to know where are you standing with the income that you have. This matter is quite subjective and it all depends on how an individual manage their finance,” she said.
Some would see being bankrupt as a choice, especially for those who are doing business as their source of income.
As a financial advisor, Erin always advises her clients to have another saving fund to support the usual funds such as the EPF, ASB or the Hajj fund and always have a thought to invest your savings so you can enjoy the harvest for your future.
Getting the help you need
In effort to curtail bankruptcy, Bank Negara Malaysia has set up an agency called Agensi Kaunseling dan Pengurusan Kredit (AKPK) to help individuals manage their financials accordingly.
Since its set up in 2006, AKPK had reached out to 248,491 people as of December 2013 in their counseling program with over 40% of them people enrolled in their Debt Management Program (DMP) stated the General Manager, Operations Division, Nor Fazleen Zakaria.
“When customers come and seek our counselor, we will go through their income and expenditure to analyze their financial status so they can manage personally, however there are instances where we see there is a need of us to come in and encourage them to enroll in our programme,” she said.
Through a programme called “POWER! – Managing Your Debts Effectively”, it was developed for the youngsters to learn basic financial knowledge such as Cash Flow Management, Borrowing Basics and Debt Management. It is very useful especially for them who are about to start working and taking loan after graduating.
“Most people are not comfortable to discuss financial matter openly, but we encourage them to be more open because we want to prevent Malaysians from leaping into bankruptcy,” said Nor Fazleen.
“A lot of people do not understand what is bankruptcy is all about. When you take a loan, you know have to pay and there’s no way you can run without paying, that is when it will accumulate and you’ll be declared a bankrupt” she added.
Money does not grow from a tree, while we all busy making a living, always know that everyone must always spend wisely, not excessively, or it will all be gone before we know it.
Feb 20, 2014 | financialmanagement
Article from The Malaysian Digest dated 20 February 2014
“I work all night, I work all day, to pay the bills I have to pay, ain’t it sad? And still there never sees to be a single penny left for me, that’s too bad!” – ABBA, “Money. Money, Money”
I couldn’t help myself to sing that line of the song by a popular 1970’s Swedish pop group ABBA whenever the word ‘money’ came across my mind.
Frankly speaking, money if often used to buy something you want rather than something you need, especially when one lives in an urban area. Surrounded by the peer pressure to live like kings, without proper financial planning spending to please other people can lead you into bankruptcy very quickly.
Contrary to popular belief, bankruptcy isn’t a human condition, but a legal status enforced by a court order on a person who is unable to pay off the debts that he owes to his creditors.
Being bankrupt means you will lose some of your legal rights, particularly those related to finance. Your bank accounts will be frozen and the Director-General of Insolvency (DGI) will control all of your assets and properties.
That’s not all, don’t even think you can step your foot right out from Malaysia because there will be difficulties for you to travel overseas and other restrictions.
What’s worrying is that the ages of those declared bankrupt now also include those who are younger. There is now an increment of bankruptcy in our country with over 47% of young adults’ age between 18 – 35-years-old are having serious debts due to living beyond their means.
According to the recent statistics from the Malaysian Department of Insolvency (MDI), an average of 1,812 people are declared bankrupt per month last year, with an 11% rise in the average number of monthly bankruptcies from 2012 to 2013.
Although you will be declared bankrupt by a court rule for debts above RM30,000, many young people would refer it simply as being broke.
Sherry (not her real name), 28, lost a place to stay after failing to pay rent and her car repossessed by the bank. Sherry admits that she tends to overspend on branded goods, beauty treatments and other excesses because she is used to having a lavish lifestyle since small.
“I was born with a silver spoon. As a child, I am used to get whatever I wanted. I am used to showing off expensive things I bought to my friends and have spent thousands of Ringgit to fund my posh lifestyle, she confessed.
The pressure to live the life of luxury soon led to her divorce.
“I admit that I did not have a proper financial planning to get out of my financial troubles,” admits Sherry.
The harsh reality of having no income after the divorce really had her having thoughts of ending her life at one time but for the sake of her daughter, Sherry regrouped and sought to start fresh by getting a job as a receptionist.
She is now struggling to settle her debts.
“I thank God for not choosing suicide to end my misery only because of my daughter, I just wish I was more cautious before and now I want to learn from my mistakes,” said Sherry.
Why are we having debts?
The lack of discipline on financial management is why many young Malaysians today carrying major debts and also with it a high possibility to go bankrupt, according to Public Mutual Agency Manager-Unit Trust Consultant, Erin Adlina Adnan, 25.
“Apart from majority of credit card debts and higher purchase loans like car and housing loans, most young adults did not settle their study loan as well upon graduating from university and this set a bad record or being blacklisted in Malaysia,” said Erin.
Their lifestyle also due to overspending on items like branded goods, gadgets, and cars. They are mainly pressured among their peers earn less from those who can afford, which is around RM2000 to RM3000 per month.
“You have to know where are you standing with the income that you have. This matter is quite subjective and it all depends on how an individual manage their finance,” she said.
Some would see being bankrupt as a choice, especially for those who are doing business as their source of income.
As a financial advisor, Erin always advises her clients to have another saving fund to support the usual funds such as the EPF, ASB or the Hajj fund and always have a thought to invest your savings so you can enjoy the harvest for your future.
Getting the help you need
In effort to curtail bankruptcy, Bank Negara Malaysia has set up an agency called Agensi Kaunseling dan Pengurusan Kredit (AKPK) to help individuals manage their financials accordingly.
Since its set up in 2006, AKPK had reached out to 248,491 people as of December 2013 in their counseling program with over 40% of them people enrolled in their Debt Management Program (DMP) stated the General Manager, Operations Division, Nor Fazleen Zakaria.
“When customers come and seek our counselor, we will go through their income and expenditure to analyze their financial status so they can manage personally, however there are instances where we see there is a need of us to come in and encourage them to enroll in our programme,” she said.
Through a programme called “POWER! – Managing Your Debts Effectively”, it was developed for the youngsters to learn basic financial knowledge such as Cash Flow Management, Borrowing Basics and Debt Management. It is very useful especially for them who are about to start working and taking loan after graduating.
“Most people are not comfortable to discuss financial matter openly, but we encourage them to be more open because we want to prevent Malaysians from leaping into bankruptcy,” said Nor Fazleen.
“A lot of people do not understand what is bankruptcy is all about. When you take a loan, you know have to pay and there’s no way you can run without paying, that is when it will accumulate and you’ll be declared a bankrupt” she added.
Money does not grow from a tree, while we all busy making a living, always know that everyone must always spend wisely, not excessively, or it will all be gone before we know it.
Artikel dari Sinar Harian, 20 Februari 2014
Walaupun sudah tujuh tahun ditubuhkan, masih ramai rakyat Malaysia tidak tahu mengenai Agensi Kaunseling dan Pengurusan Kredit (AKPK) yang bertanggungjawab membantu memberi khidmat nasihat kewangan kepada pengguna secara percuma.
Ketua Pegawai Eksekutif AKPK Koid Swee Lian berkata; AKPK boleh memainkan peranan untuk menaikkan keupayaan kewangan pengguna terutama dengan kenaikan kos sara hidup kini.
“Peningkatan harga barang menjadi kebimbangan pengguna sejak awal tahun ini tetapi setiap individu bertanggungjawab terhadap situasi kewangan masing-masing.
“AKPK memberi pendidikan dan kaunseling kewangan serta perkhidmatan pengurusan hutang secara percuma kepada pengguna selain boleh membantu peminjam yang terbeban akibat hutang untuk menyusun semula pinjaman mereka,” katanya dalam jamuan penghargaan media oleh AKPK di Kuala Lumpur, semalam.
Bagaimanapun, beliau berkata, kekurangan kesedaran terhadap khidmat disediakan AKPK tidak menghalang agensi itu memberi bantuan kepada 1.45 juta orang yang mendapatkan nasihat AKPK berhubung pengurusan kewangan masing-masing.
Menurut Swee Lian, agensi itu menyasarkan membantu dua juta orang tahun ini yang diyakini akan dicapai melalui lebih banyak hebahan media.
Dalam majlis itu, AKPK turut menyampaikan sijil kepada lima pengguna yang berjaya mengubah situasi kewangan mereka dengan mengikuti program disediakan AKPK.
Artikel dari Sinar Harian, 20 Februari 2014
Walaupun sudah tujuh tahun ditubuhkan, masih ramai rakyat Malaysia tidak tahu mengenai Agensi Kaunseling dan Pengurusan Kredit (AKPK) yang bertanggungjawab membantu memberi khidmat nasihat kewangan kepada pengguna secara percuma.
Ketua Pegawai Eksekutif AKPK Koid Swee Lian berkata; AKPK boleh memainkan peranan untuk menaikkan keupayaan kewangan pengguna terutama dengan kenaikan kos sara hidup kini.
“Peningkatan harga barang menjadi kebimbangan pengguna sejak awal tahun ini tetapi setiap individu bertanggungjawab terhadap situasi kewangan masing-masing.
“AKPK memberi pendidikan dan kaunseling kewangan serta perkhidmatan pengurusan hutang secara percuma kepada pengguna selain boleh membantu peminjam yang terbeban akibat hutang untuk menyusun semula pinjaman mereka,” katanya dalam jamuan penghargaan media oleh AKPK di Kuala Lumpur, semalam.
Bagaimanapun, beliau berkata, kekurangan kesedaran terhadap khidmat disediakan AKPK tidak menghalang agensi itu memberi bantuan kepada 1.45 juta orang yang mendapatkan nasihat AKPK berhubung pengurusan kewangan masing-masing.
Menurut Swee Lian, agensi itu menyasarkan membantu dua juta orang tahun ini yang diyakini akan dicapai melalui lebih banyak hebahan media.
Dalam majlis itu, AKPK turut menyampaikan sijil kepada lima pengguna yang berjaya mengubah situasi kewangan mereka dengan mengikuti program disediakan AKPK.
Feb 20, 2014 | financialmanagement
Artikel dari Sinar Harian, 20 Februari 2014
Walaupun sudah tujuh tahun ditubuhkan, masih ramai rakyat Malaysia tidak tahu mengenai Agensi Kaunseling dan Pengurusan Kredit (AKPK) yang bertanggungjawab membantu memberi khidmat nasihat kewangan kepada pengguna secara percuma.
Ketua Pegawai Eksekutif AKPK Koid Swee Lian berkata; AKPK boleh memainkan peranan untuk menaikkan keupayaan kewangan pengguna terutama dengan kenaikan kos sara hidup kini.
“Peningkatan harga barang menjadi kebimbangan pengguna sejak awal tahun ini tetapi setiap individu bertanggungjawab terhadap situasi kewangan masing-masing.
“AKPK memberi pendidikan dan kaunseling kewangan serta perkhidmatan pengurusan hutang secara percuma kepada pengguna selain boleh membantu peminjam yang terbeban akibat hutang untuk menyusun semula pinjaman mereka,” katanya dalam jamuan penghargaan media oleh AKPK di Kuala Lumpur, semalam.
Bagaimanapun, beliau berkata, kekurangan kesedaran terhadap khidmat disediakan AKPK tidak menghalang agensi itu memberi bantuan kepada 1.45 juta orang yang mendapatkan nasihat AKPK berhubung pengurusan kewangan masing-masing.
Menurut Swee Lian, agensi itu menyasarkan membantu dua juta orang tahun ini yang diyakini akan dicapai melalui lebih banyak hebahan media.
Dalam majlis itu, AKPK turut menyampaikan sijil kepada lima pengguna yang berjaya mengubah situasi kewangan mereka dengan mengikuti program disediakan AKPK.
Article from The Malay Mail dated 21 February 2014
KUALA LUMPUR, Feb 21 — Dave, 27 says poor judgment and financial mismanagement is part of the reason he is heavily in debt.
The legal adviser -- who only wanted to be known by his first name -- said roughly half his monthly take-home pay goes towards repaying a RM48,000 study loan, a RM70,000 car loan and RM5,000 in credit card debt.
His story is commonplace.
Faced with higher prices for everything from petrol through electricity as the government rolls back its system of subsidies, many Malaysians struggling with debt are not expecting things to get better.
Low interest rates and cheap credit has fuelled a spending boom that has helped the economy grow but has also left many Malaysians struggling with large monthly debt repayments.
Data from Bank Negara shows that household borrowing is above 80 per cent of the country’s total economic production or Gross Domestic Product.
It also shows that the number of individual bankruptcies have been rising steadily every year.
In 2013, personal bankruptcies reached 21,984; that’s roughly 60 cases each day.
Even before the government started cutting subsidies, households were already using up a large portion of their incomes to repay loans for things such as houses and weddings, Datuk Paul Selvaraj, the CEO of consumer group Federation of Malaysian Consumers Association (Fomca) told The Malay Mail Online.
“Because incomes are not increasing whereas prices of essentials are increasing, you can expect people to go into greater debt,” he said.
Many households just cannot afford to cut back further on their basic needs. Many will likely sink into greater debt just to fund basic needs such as food, healthcare and education for their children, Selvaraj added.
In a recent report on Malaysian banks, the ratings agency Standard & Poor’s said Malaysia’s households could land in a tight spot because they have borrowed heavily even though their incomes are modest.
People earning RM3000 or less each month have taken on debt that outweighs their incomes, it said.
“These borrowers constitute about 16 per cent of the banking system’s loans and are particularly vulnerable to inflation,” it added.
The official rate of inflation in Malaysia reached 3.2 per cent in December, the highest in over two years.
Some economists predict that inflation could reach 4.0 per cent later this year as the effects of higher fuel and electricity trickle through the economy,
As the inflation rate rises Bank Negara will be under pressure to put up interest rates. That, could in turn push up borrowers’ monthly debt repayments
“Borrowers who have difficulty keeping up with their loan instalment payments are encouraged to approach their credit providers or AKPK to restructure or reschedule their loans so that they can continue to service them,” said Koid Swee Lian, the CEO of the government’s debt counselling agency AKPK.
“Ignoring mounting debts and ‘running’ away from lenders would not solve debt problems but would lead to bankruptcy eventually,” she added.
The number of people applying for AKPK’s free debt management programme rose to 16,769 in 2013 from 16,110 the previous year.
According to AKPK, the top reasons for going into heavy debt are poor financial planning at 22.8 per cent, high medical expenses at 18.1 per cent, failure or slowdown in businesses and credit card debts at 15.3 per cent and 11.1 per cent respectively.
An overwhelming 82.9 per cent who needed the debt agency’s help had a combination of credit card debts, housing and car loans.
Selvaraj at Fomca said people with a “tendency to live beyond their means” will be vulnerable.
What is at stake is more than an individual’s ability to repay loans, but also their “psychological well-being” as they worry about coping with their debts, he added.
Article from The Malay Mail dated 21 February 2014
KUALA LUMPUR, Feb 21 — Dave, 27 says poor judgment and financial mismanagement is part of the reason he is heavily in debt.
The legal adviser -- who only wanted to be known by his first name -- said roughly half his monthly take-home pay goes towards repaying a RM48,000 study loan, a RM70,000 car loan and RM5,000 in credit card debt.
His story is commonplace.
Faced with higher prices for everything from petrol through electricity as the government rolls back its system of subsidies, many Malaysians struggling with debt are not expecting things to get better.
Low interest rates and cheap credit has fuelled a spending boom that has helped the economy grow but has also left many Malaysians struggling with large monthly debt repayments.
Data from Bank Negara shows that household borrowing is above 80 per cent of the country’s total economic production or Gross Domestic Product.
It also shows that the number of individual bankruptcies have been rising steadily every year.
In 2013, personal bankruptcies reached 21,984; that’s roughly 60 cases each day.
Even before the government started cutting subsidies, households were already using up a large portion of their incomes to repay loans for things such as houses and weddings, Datuk Paul Selvaraj, the CEO of consumer group Federation of Malaysian Consumers Association (Fomca) told The Malay Mail Online.
“Because incomes are not increasing whereas prices of essentials are increasing, you can expect people to go into greater debt,” he said.
Many households just cannot afford to cut back further on their basic needs. Many will likely sink into greater debt just to fund basic needs such as food, healthcare and education for their children, Selvaraj added.
In a recent report on Malaysian banks, the ratings agency Standard & Poor’s said Malaysia’s households could land in a tight spot because they have borrowed heavily even though their incomes are modest.
People earning RM3000 or less each month have taken on debt that outweighs their incomes, it said.
“These borrowers constitute about 16 per cent of the banking system’s loans and are particularly vulnerable to inflation,” it added.
The official rate of inflation in Malaysia reached 3.2 per cent in December, the highest in over two years.
Some economists predict that inflation could reach 4.0 per cent later this year as the effects of higher fuel and electricity trickle through the economy,
As the inflation rate rises Bank Negara will be under pressure to put up interest rates. That, could in turn push up borrowers’ monthly debt repayments
“Borrowers who have difficulty keeping up with their loan instalment payments are encouraged to approach their credit providers or AKPK to restructure or reschedule their loans so that they can continue to service them,” said Koid Swee Lian, the CEO of the government’s debt counselling agency AKPK.
“Ignoring mounting debts and ‘running’ away from lenders would not solve debt problems but would lead to bankruptcy eventually,” she added.
The number of people applying for AKPK’s free debt management programme rose to 16,769 in 2013 from 16,110 the previous year.
According to AKPK, the top reasons for going into heavy debt are poor financial planning at 22.8 per cent, high medical expenses at 18.1 per cent, failure or slowdown in businesses and credit card debts at 15.3 per cent and 11.1 per cent respectively.
An overwhelming 82.9 per cent who needed the debt agency’s help had a combination of credit card debts, housing and car loans.
Selvaraj at Fomca said people with a “tendency to live beyond their means” will be vulnerable.
What is at stake is more than an individual’s ability to repay loans, but also their “psychological well-being” as they worry about coping with their debts, he added.
Feb 21, 2014 | financialmanagement
Article from The Malay Mail dated 21 February 2014
KUALA LUMPUR, Feb 21 — Dave, 27 says poor judgment and financial mismanagement is part of the reason he is heavily in debt.
The legal adviser -- who only wanted to be known by his first name -- said roughly half his monthly take-home pay goes towards repaying a RM48,000 study loan, a RM70,000 car loan and RM5,000 in credit card debt.
His story is commonplace.
Faced with higher prices for everything from petrol through electricity as the government rolls back its system of subsidies, many Malaysians struggling with debt are not expecting things to get better.
Low interest rates and cheap credit has fuelled a spending boom that has helped the economy grow but has also left many Malaysians struggling with large monthly debt repayments.
Data from Bank Negara shows that household borrowing is above 80 per cent of the country’s total economic production or Gross Domestic Product.
It also shows that the number of individual bankruptcies have been rising steadily every year.
In 2013, personal bankruptcies reached 21,984; that’s roughly 60 cases each day.
Even before the government started cutting subsidies, households were already using up a large portion of their incomes to repay loans for things such as houses and weddings, Datuk Paul Selvaraj, the CEO of consumer group Federation of Malaysian Consumers Association (Fomca) told The Malay Mail Online.
“Because incomes are not increasing whereas prices of essentials are increasing, you can expect people to go into greater debt,” he said.
Many households just cannot afford to cut back further on their basic needs. Many will likely sink into greater debt just to fund basic needs such as food, healthcare and education for their children, Selvaraj added.
In a recent report on Malaysian banks, the ratings agency Standard & Poor’s said Malaysia’s households could land in a tight spot because they have borrowed heavily even though their incomes are modest.
People earning RM3000 or less each month have taken on debt that outweighs their incomes, it said.
“These borrowers constitute about 16 per cent of the banking system’s loans and are particularly vulnerable to inflation,” it added.
The official rate of inflation in Malaysia reached 3.2 per cent in December, the highest in over two years.
Some economists predict that inflation could reach 4.0 per cent later this year as the effects of higher fuel and electricity trickle through the economy,
As the inflation rate rises Bank Negara will be under pressure to put up interest rates. That, could in turn push up borrowers’ monthly debt repayments
“Borrowers who have difficulty keeping up with their loan instalment payments are encouraged to approach their credit providers or AKPK to restructure or reschedule their loans so that they can continue to service them,” said Koid Swee Lian, the CEO of the government’s debt counselling agency AKPK.
“Ignoring mounting debts and ‘running’ away from lenders would not solve debt problems but would lead to bankruptcy eventually,” she added.
The number of people applying for AKPK’s free debt management programme rose to 16,769 in 2013 from 16,110 the previous year.
According to AKPK, the top reasons for going into heavy debt are poor financial planning at 22.8 per cent, high medical expenses at 18.1 per cent, failure or slowdown in businesses and credit card debts at 15.3 per cent and 11.1 per cent respectively.
An overwhelming 82.9 per cent who needed the debt agency’s help had a combination of credit card debts, housing and car loans.
Selvaraj at Fomca said people with a “tendency to live beyond their means” will be vulnerable.
What is at stake is more than an individual’s ability to repay loans, but also their “psychological well-being” as they worry about coping with their debts, he added.
Artikel dari Utusan Malaysia, 27 Februari 2014
Kita tidak boleh menafikan bahawa berhutang adalah satu keperluan untuk memastikan kelancaran dalam kehidupan seharian. Tanpanya, banyak perkara yang diingini sukar dicapai.
Sebahagian daripada kita berhutang untuk memiliki rumah, kereta, membuat pelaburan, melancong, mengadakan walimatul urus dan lain-lain. Semuanya memerlukan wang yang banyak serta dalam tempoh yang singkat.
Situasi itu secara tidak langsung menjadikan keperluan berhutang seperti satu kemestian dan lama kelamaan ia telah membudaya di dalam kehidupan seharian, meskipun menyedari amalan itu mampu mengundang risiko diisytiharkan muflis jika gagal melunaskannya.
Dalam menangani risiko diisytharkan muflis dan keperluan berhutang, Allah SWT berfirman yang bermaksud: Allah SWT dalam surah yang bermaksud: Wahai orang-orang yang beriman! apabila kamu menjalankan sesuatu urusan dengan hutang piutang yang diberi tempoh hingga ke suatu masa yang tertentu maka hendaklah kamu menulis (hutang dan masa bayarannya) itu dan hendaklah seorang penulis di antara kamu menulisnya dengan adil (benar) dan janganlah seseorang penulis enggan menulis sebagaimana Allah telah mengajarkannya. (al-Baqarah: 282)
"Oleh itu, hendaklah ia menulis dan hendaklah orang yang berhutang itu merencanakan (isi surat hutang itu dengan jelas). Dan hendaklah ia bertakwa kepada Allah, dan janganlah ia mengurangkan sesuatu pun daripada hutang itu.
"Kemudian jika orang yang berhutang itu bodoh atau lemah atau ia sendiri tidak dapat hendak merencanakan (isi itu), maka hendaklah direncanakan oleh walinya dengan adil benar) dan hendaklah kamu mengadakan dua orang saksi lelaki dari kalangan kamu."
Berdasarkan surah itu, Islam tidak pernah menghalang umatnya untuk berhutang. Malah, Islam turut menyediakan garis panduan bagi mengelakkan budaya itu membebankan diri dan keluarga masing-masing di masa depan.
Dengan kata lain, Islam mengharuskan pinjaman dan berhutang bagi mereka yang memerlukannya. Namun demikian, ia tidak boleh dijadikan sebagai cara dan wasilah untuk bermewah-mewahan dan bermegah-megah atau dibuat dengan berleluasa tanpa keperluan dan asas yang kukuh.
Oleh itu, tidak hairanlah, Agensi Kaunseling dan Pengurusan Kredit (AKPK) telah berulang kali menyeru orang ramai agar lebih berhemah dalam mengurus kewangan dan hutang masing-masing.
"Perkhidmatan pengurusan kewangan kami ialah untuk membantu setiap individu belajar mengawal semula keadaan kewangan dan memupuk tabiat meminjam secara lebih bijak dan mengalakkan budaya pembayaran semula pinjaman secara konsisten serta teratur.
"Bagaimanapun, kami bukan mengajar orang ramai untuk jadi kedekut atau berjimat keterlaluan tetapi mahu memberikan mereka ketenangan hidup, khususnya di masa persaraan," kata Ketua Komunikasi Korporatnya, Mohamad Khalil Jamaludin ketika ditemui di pejabatnya, Kuala Lumpur, baru-baru ini.
Sejak AKPK ditubuhkan pada 2006 hingga Disember tahun lalu, seramai 248,491 orang telah mendapatkan perkhidmatan kaunseling kewangan mereka.
Daripada jumlah itu kira-kira 100,871 orang telah dibantu melalui Program Pengurusan Kredit (PPK) iaitu satu program yang dikhususkan kepada mereka yang sudah hilang kawalan terhadap pengurusan kewangan dan hutang masing-masing.
Bagaimanapun, daripada jumah di atas itu, hanya 4,645 yang berjaya keluar daripada program PPK.
"Dengan kata lain, mereka yang menyertai program PPK itu boleh dianggap sebagai sudah panik kerana telah dapat surat tindakan undang-undang dari bank berkenaan tetapi belum muflis lagi.
"Tetapi setakat ini, mereka yang menyertai program itu telah melahirkan rasa lega dan berterima kasih kepada AKPK," katanya.
Mohamad Khalil mengulas lanjut, peranan AKPK boleh dianggap selaras dengan seruan agama Islam yang menganggap setiap hutang itu perlu dibayar sepenuhnya sebelum ajal.
Malah, beliau menambah, adalah tidak sewajarnya untuk kita sebagai ibu bapa atau suami membebankan anak-anak atau isteri dengan hutang yang wujud kerana sikap tidak bertanggungjawab kita sendiri.
"Kita perlu bertanggungjawab ke atas setiap hutang yang kita wujudkan. Kita perlu selesaikannya dan tidak seharusnya mengalih bebanan itu kepada pihak ketiga iaitu anak-anak atau isteri," katanya.
Dalam soal itu, beliau menambah, AKPK akan menjadi orang tengah antara penghutang dengan pemuitang (institusi kewangan atau bank) dalam memastikan pembayaran hutang berjalan lancar.
"Walaupun AKPK adalah anak syarikat milik penuh Bank Negara Malaysia (BNM) dan BNM adalah pengawal selia institusi kewangan atau bank di negara ini tetapi kami tetap berusaha untuk memastikan penghutang dan pemuitang bersetuju dengan pelan pembayaran hutang yang kami rangkakan," katanya.
Selain itu, Mohamad Khalil turut menyeru kepada pasangan yang akan berkahwin agar memeriksa kedudukan kewangan masing-masing bagi mengelakkan timbulnya konflik di kemudian hari.
Beliau berkata, seruan itu bukan bertujuan untuk menghalang niat pasangan terbabit berkahwin tetapi ia sejajar dengan ajaran Islam yang menuntut setiap pasangan itu bersikap jujur dan telus dalam soal itu.
"Kami bukan hendak halang orang muda untuk berkahwin tetapi ketelusan dan kejujuran dalam soal kedudukan kewangan masing-masing perlu ada kerana ia boleh menjejaskan keharmonian rumah tangga.
"Tetapi seruan itu mungkin membolehkan pasangan terbabit berganding bahu menyelesaikannya atau datang berjumpa dengan AKPK.
"Lagi pula adalah tidak betul apabila seseorang itu sanggup berhutang tetapi mengalihkan bebanan hutang tersebut kepada orang lain bila gagal membayar hutang tersebut," katanya.
Artikel dari Utusan Malaysia, 27 Februari 2014
Kita tidak boleh menafikan bahawa berhutang adalah satu keperluan untuk memastikan kelancaran dalam kehidupan seharian. Tanpanya, banyak perkara yang diingini sukar dicapai.
Sebahagian daripada kita berhutang untuk memiliki rumah, kereta, membuat pelaburan, melancong, mengadakan walimatul urus dan lain-lain. Semuanya memerlukan wang yang banyak serta dalam tempoh yang singkat.
Situasi itu secara tidak langsung menjadikan keperluan berhutang seperti satu kemestian dan lama kelamaan ia telah membudaya di dalam kehidupan seharian, meskipun menyedari amalan itu mampu mengundang risiko diisytiharkan muflis jika gagal melunaskannya.
Dalam menangani risiko diisytharkan muflis dan keperluan berhutang, Allah SWT berfirman yang bermaksud: Allah SWT dalam surah yang bermaksud: Wahai orang-orang yang beriman! apabila kamu menjalankan sesuatu urusan dengan hutang piutang yang diberi tempoh hingga ke suatu masa yang tertentu maka hendaklah kamu menulis (hutang dan masa bayarannya) itu dan hendaklah seorang penulis di antara kamu menulisnya dengan adil (benar) dan janganlah seseorang penulis enggan menulis sebagaimana Allah telah mengajarkannya. (al-Baqarah: 282)
"Oleh itu, hendaklah ia menulis dan hendaklah orang yang berhutang itu merencanakan (isi surat hutang itu dengan jelas). Dan hendaklah ia bertakwa kepada Allah, dan janganlah ia mengurangkan sesuatu pun daripada hutang itu.
"Kemudian jika orang yang berhutang itu bodoh atau lemah atau ia sendiri tidak dapat hendak merencanakan (isi itu), maka hendaklah direncanakan oleh walinya dengan adil benar) dan hendaklah kamu mengadakan dua orang saksi lelaki dari kalangan kamu."
Berdasarkan surah itu, Islam tidak pernah menghalang umatnya untuk berhutang. Malah, Islam turut menyediakan garis panduan bagi mengelakkan budaya itu membebankan diri dan keluarga masing-masing di masa depan.
Dengan kata lain, Islam mengharuskan pinjaman dan berhutang bagi mereka yang memerlukannya. Namun demikian, ia tidak boleh dijadikan sebagai cara dan wasilah untuk bermewah-mewahan dan bermegah-megah atau dibuat dengan berleluasa tanpa keperluan dan asas yang kukuh.
Oleh itu, tidak hairanlah, Agensi Kaunseling dan Pengurusan Kredit (AKPK) telah berulang kali menyeru orang ramai agar lebih berhemah dalam mengurus kewangan dan hutang masing-masing.
"Perkhidmatan pengurusan kewangan kami ialah untuk membantu setiap individu belajar mengawal semula keadaan kewangan dan memupuk tabiat meminjam secara lebih bijak dan mengalakkan budaya pembayaran semula pinjaman secara konsisten serta teratur.
"Bagaimanapun, kami bukan mengajar orang ramai untuk jadi kedekut atau berjimat keterlaluan tetapi mahu memberikan mereka ketenangan hidup, khususnya di masa persaraan," kata Ketua Komunikasi Korporatnya, Mohamad Khalil Jamaludin ketika ditemui di pejabatnya, Kuala Lumpur, baru-baru ini.
Sejak AKPK ditubuhkan pada 2006 hingga Disember tahun lalu, seramai 248,491 orang telah mendapatkan perkhidmatan kaunseling kewangan mereka.
Daripada jumlah itu kira-kira 100,871 orang telah dibantu melalui Program Pengurusan Kredit (PPK) iaitu satu program yang dikhususkan kepada mereka yang sudah hilang kawalan terhadap pengurusan kewangan dan hutang masing-masing.
Bagaimanapun, daripada jumah di atas itu, hanya 4,645 yang berjaya keluar daripada program PPK.
"Dengan kata lain, mereka yang menyertai program PPK itu boleh dianggap sebagai sudah panik kerana telah dapat surat tindakan undang-undang dari bank berkenaan tetapi belum muflis lagi.
"Tetapi setakat ini, mereka yang menyertai program itu telah melahirkan rasa lega dan berterima kasih kepada AKPK," katanya.
Mohamad Khalil mengulas lanjut, peranan AKPK boleh dianggap selaras dengan seruan agama Islam yang menganggap setiap hutang itu perlu dibayar sepenuhnya sebelum ajal.
Malah, beliau menambah, adalah tidak sewajarnya untuk kita sebagai ibu bapa atau suami membebankan anak-anak atau isteri dengan hutang yang wujud kerana sikap tidak bertanggungjawab kita sendiri.
"Kita perlu bertanggungjawab ke atas setiap hutang yang kita wujudkan. Kita perlu selesaikannya dan tidak seharusnya mengalih bebanan itu kepada pihak ketiga iaitu anak-anak atau isteri," katanya.
Dalam soal itu, beliau menambah, AKPK akan menjadi orang tengah antara penghutang dengan pemuitang (institusi kewangan atau bank) dalam memastikan pembayaran hutang berjalan lancar.
"Walaupun AKPK adalah anak syarikat milik penuh Bank Negara Malaysia (BNM) dan BNM adalah pengawal selia institusi kewangan atau bank di negara ini tetapi kami tetap berusaha untuk memastikan penghutang dan pemuitang bersetuju dengan pelan pembayaran hutang yang kami rangkakan," katanya.
Selain itu, Mohamad Khalil turut menyeru kepada pasangan yang akan berkahwin agar memeriksa kedudukan kewangan masing-masing bagi mengelakkan timbulnya konflik di kemudian hari.
Beliau berkata, seruan itu bukan bertujuan untuk menghalang niat pasangan terbabit berkahwin tetapi ia sejajar dengan ajaran Islam yang menuntut setiap pasangan itu bersikap jujur dan telus dalam soal itu.
"Kami bukan hendak halang orang muda untuk berkahwin tetapi ketelusan dan kejujuran dalam soal kedudukan kewangan masing-masing perlu ada kerana ia boleh menjejaskan keharmonian rumah tangga.
"Tetapi seruan itu mungkin membolehkan pasangan terbabit berganding bahu menyelesaikannya atau datang berjumpa dengan AKPK.
"Lagi pula adalah tidak betul apabila seseorang itu sanggup berhutang tetapi mengalihkan bebanan hutang tersebut kepada orang lain bila gagal membayar hutang tersebut," katanya.
Feb 27, 2014 | financialmanagement
Artikel dari Utusan Malaysia, 27 Februari 2014
Kita tidak boleh menafikan bahawa berhutang adalah satu keperluan untuk memastikan kelancaran dalam kehidupan seharian. Tanpanya, banyak perkara yang diingini sukar dicapai.
Sebahagian daripada kita berhutang untuk memiliki rumah, kereta, membuat pelaburan, melancong, mengadakan walimatul urus dan lain-lain. Semuanya memerlukan wang yang banyak serta dalam tempoh yang singkat.
Situasi itu secara tidak langsung menjadikan keperluan berhutang seperti satu kemestian dan lama kelamaan ia telah membudaya di dalam kehidupan seharian, meskipun menyedari amalan itu mampu mengundang risiko diisytiharkan muflis jika gagal melunaskannya.
Dalam menangani risiko diisytharkan muflis dan keperluan berhutang, Allah SWT berfirman yang bermaksud: Allah SWT dalam surah yang bermaksud: Wahai orang-orang yang beriman! apabila kamu menjalankan sesuatu urusan dengan hutang piutang yang diberi tempoh hingga ke suatu masa yang tertentu maka hendaklah kamu menulis (hutang dan masa bayarannya) itu dan hendaklah seorang penulis di antara kamu menulisnya dengan adil (benar) dan janganlah seseorang penulis enggan menulis sebagaimana Allah telah mengajarkannya. (al-Baqarah: 282)
"Oleh itu, hendaklah ia menulis dan hendaklah orang yang berhutang itu merencanakan (isi surat hutang itu dengan jelas). Dan hendaklah ia bertakwa kepada Allah, dan janganlah ia mengurangkan sesuatu pun daripada hutang itu.
"Kemudian jika orang yang berhutang itu bodoh atau lemah atau ia sendiri tidak dapat hendak merencanakan (isi itu), maka hendaklah direncanakan oleh walinya dengan adil benar) dan hendaklah kamu mengadakan dua orang saksi lelaki dari kalangan kamu."
Berdasarkan surah itu, Islam tidak pernah menghalang umatnya untuk berhutang. Malah, Islam turut menyediakan garis panduan bagi mengelakkan budaya itu membebankan diri dan keluarga masing-masing di masa depan.
Dengan kata lain, Islam mengharuskan pinjaman dan berhutang bagi mereka yang memerlukannya. Namun demikian, ia tidak boleh dijadikan sebagai cara dan wasilah untuk bermewah-mewahan dan bermegah-megah atau dibuat dengan berleluasa tanpa keperluan dan asas yang kukuh.
Oleh itu, tidak hairanlah, Agensi Kaunseling dan Pengurusan Kredit (AKPK) telah berulang kali menyeru orang ramai agar lebih berhemah dalam mengurus kewangan dan hutang masing-masing.
"Perkhidmatan pengurusan kewangan kami ialah untuk membantu setiap individu belajar mengawal semula keadaan kewangan dan memupuk tabiat meminjam secara lebih bijak dan mengalakkan budaya pembayaran semula pinjaman secara konsisten serta teratur.
"Bagaimanapun, kami bukan mengajar orang ramai untuk jadi kedekut atau berjimat keterlaluan tetapi mahu memberikan mereka ketenangan hidup, khususnya di masa persaraan," kata Ketua Komunikasi Korporatnya, Mohamad Khalil Jamaludin ketika ditemui di pejabatnya, Kuala Lumpur, baru-baru ini.
Sejak AKPK ditubuhkan pada 2006 hingga Disember tahun lalu, seramai 248,491 orang telah mendapatkan perkhidmatan kaunseling kewangan mereka.
Daripada jumlah itu kira-kira 100,871 orang telah dibantu melalui Program Pengurusan Kredit (PPK) iaitu satu program yang dikhususkan kepada mereka yang sudah hilang kawalan terhadap pengurusan kewangan dan hutang masing-masing.
Bagaimanapun, daripada jumah di atas itu, hanya 4,645 yang berjaya keluar daripada program PPK.
"Dengan kata lain, mereka yang menyertai program PPK itu boleh dianggap sebagai sudah panik kerana telah dapat surat tindakan undang-undang dari bank berkenaan tetapi belum muflis lagi.
"Tetapi setakat ini, mereka yang menyertai program itu telah melahirkan rasa lega dan berterima kasih kepada AKPK," katanya.
Mohamad Khalil mengulas lanjut, peranan AKPK boleh dianggap selaras dengan seruan agama Islam yang menganggap setiap hutang itu perlu dibayar sepenuhnya sebelum ajal.
Malah, beliau menambah, adalah tidak sewajarnya untuk kita sebagai ibu bapa atau suami membebankan anak-anak atau isteri dengan hutang yang wujud kerana sikap tidak bertanggungjawab kita sendiri.
"Kita perlu bertanggungjawab ke atas setiap hutang yang kita wujudkan. Kita perlu selesaikannya dan tidak seharusnya mengalih bebanan itu kepada pihak ketiga iaitu anak-anak atau isteri," katanya.
Dalam soal itu, beliau menambah, AKPK akan menjadi orang tengah antara penghutang dengan pemuitang (institusi kewangan atau bank) dalam memastikan pembayaran hutang berjalan lancar.
"Walaupun AKPK adalah anak syarikat milik penuh Bank Negara Malaysia (BNM) dan BNM adalah pengawal selia institusi kewangan atau bank di negara ini tetapi kami tetap berusaha untuk memastikan penghutang dan pemuitang bersetuju dengan pelan pembayaran hutang yang kami rangkakan," katanya.
Selain itu, Mohamad Khalil turut menyeru kepada pasangan yang akan berkahwin agar memeriksa kedudukan kewangan masing-masing bagi mengelakkan timbulnya konflik di kemudian hari.
Beliau berkata, seruan itu bukan bertujuan untuk menghalang niat pasangan terbabit berkahwin tetapi ia sejajar dengan ajaran Islam yang menuntut setiap pasangan itu bersikap jujur dan telus dalam soal itu.
"Kami bukan hendak halang orang muda untuk berkahwin tetapi ketelusan dan kejujuran dalam soal kedudukan kewangan masing-masing perlu ada kerana ia boleh menjejaskan keharmonian rumah tangga.
"Tetapi seruan itu mungkin membolehkan pasangan terbabit berganding bahu menyelesaikannya atau datang berjumpa dengan AKPK.
"Lagi pula adalah tidak betul apabila seseorang itu sanggup berhutang tetapi mengalihkan bebanan hutang tersebut kepada orang lain bila gagal membayar hutang tersebut," katanya.
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