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PETALING JAYA: The Credit Counselling and Debt Management Agency (AKPK) has seen more than 1,000 walk-in inquiries in August seeking advice ahead of the loan moratorium which will cease at the end of the month.
AKPK general manager for the operations division Nor Fazleen Zakaria said the agency also saw 100 enrolments daily in its debt management programme out of the 1,100 daily walk-ins at its 11 branches nationwide.
In July, AKPK had 920 walk-ins while 96 joined its programme on a daily basis.
Nor Fazleen advised people to reassess and recalculate their financial position immediately by checking with their financial institutions on the instalment amounts or rates, post-moratorium.
“Consumers need to ask the banks how their instalments are affected. Go to the banks, don’t just assume everything is fine,” she said
Nor Fazleen added consumers need to reanalyse their financial situation to see if they are able to make the payments, once the moratorium ends.
“There are options available for consumers, they can go to the banks to discuss (the financing repayment assistance) but there are other avenues too.
“If they find the instalment proposals put forward by banks too expensive or if they have multiple borrowings and are not able to consolidate the debts, then they can come to AKPK,” said Nor Fazleen.
She said AKPK welcomes anyone who needs advise on ways to manage their finances and debt.
“Consumers need to take action by either going to the banks to find out their options or come to us. We are an agency under Bank Negara so we have that direct relationship with banks, we are in a position to negotiate for the person.
“Our debt repayment programme is a more holistic form. It takes into account the needs of the person as well as their debts,” she said.
She added that AKPK, which provides counselling and debt management programmes, will look at the consumer’s cash flow and help discuss with the banks.
Nor Fazleen said there are also some people who may have opted for the loan moratorium, although their incomes have not been affected by the pandemic, for some extra cash flow monthly during the period.
She advised that those who had done so should plan ahead as repayment of their instalments will begin in October.
“You can reprioritise now since it is just the first week of September, so you still have a few more weeks to work out your cash flow and be prepared to make the payment,” she said.
She said AKPK has carried out many awareness campaigns in June and July to remind people to get ready to begin their instalment repayments.
Meanwhile, Bernama reported that the value of the moratorium on loan repayments by financial institutions stood at RM78.14bil as of Aug 21.
Finance Minister Tengku Datuk Seri Zafrul Aziz said that out of this figure, a total of RM27.35bil was utilised by the business sector while RM50.79bil was utilised by the people.This moratorium came into effect on April 1 and ends on Sept 30.
“For those who still need a moratorium extension and targeted bank assistance after Sept 30, the banking institutions are ready to help the borrowers.
“Those who are still affected can start contacting their respective banks to discuss and apply for repayment flexibility,” he said in the 19th LAKSANA report on the implementation of the Prihatin Rakyat Economic Stimulus Package and National Economic Recovery Plan.
On Tuesday, Deputy Finance Minister II Mohd Shahar Abdullah in a statement said most banks had implemented the targeted moratorium extension and financing repayment flexibility programme from Aug 7.
As of Aug 21, the banks have contacted 1,015,848 borrowers, comprising individuals, SMEs and other companies, including corporate and commercial businesses to offer financing repayment assistance.
Shahar said within two weeks beginning Aug 7, a total of 139,424 applications for financing repayment assistance from individual customers were received, of which 109,172 were approved.
For SME customers, including micro-entrepreneurs, 5,017 applications were received, of which 4,300 were approved.
PETALING JAYA: The Credit Counselling and Debt Management Agency (AKPK) has seen more than 1,000 walk-in inquiries in August seeking advice ahead of the loan moratorium which will cease at the end of the month.
AKPK general manager for the operations division Nor Fazleen Zakaria said the agency also saw 100 enrolments daily in its debt management programme out of the 1,100 daily walk-ins at its 11 branches nationwide.
In July, AKPK had 920 walk-ins while 96 joined its programme on a daily basis.
Nor Fazleen advised people to reassess and recalculate their financial position immediately by checking with their financial institutions on the instalment amounts or rates, post-moratorium.
“Consumers need to ask the banks how their instalments are affected. Go to the banks, don’t just assume everything is fine,” she said
Nor Fazleen added consumers need to reanalyse their financial situation to see if they are able to make the payments, once the moratorium ends.
“There are options available for consumers, they can go to the banks to discuss (the financing repayment assistance) but there are other avenues too.
“If they find the instalment proposals put forward by banks too expensive or if they have multiple borrowings and are not able to consolidate the debts, then they can come to AKPK,” said Nor Fazleen.
She said AKPK welcomes anyone who needs advise on ways to manage their finances and debt.
“Consumers need to take action by either going to the banks to find out their options or come to us. We are an agency under Bank Negara so we have that direct relationship with banks, we are in a position to negotiate for the person.
“Our debt repayment programme is a more holistic form. It takes into account the needs of the person as well as their debts,” she said.
She added that AKPK, which provides counselling and debt management programmes, will look at the consumer’s cash flow and help discuss with the banks.
Nor Fazleen said there are also some people who may have opted for the loan moratorium, although their incomes have not been affected by the pandemic, for some extra cash flow monthly during the period.
She advised that those who had done so should plan ahead as repayment of their instalments will begin in October.
“You can reprioritise now since it is just the first week of September, so you still have a few more weeks to work out your cash flow and be prepared to make the payment,” she said.
She said AKPK has carried out many awareness campaigns in June and July to remind people to get ready to begin their instalment repayments.
Meanwhile, Bernama reported that the value of the moratorium on loan repayments by financial institutions stood at RM78.14bil as of Aug 21.
Finance Minister Tengku Datuk Seri Zafrul Aziz said that out of this figure, a total of RM27.35bil was utilised by the business sector while RM50.79bil was utilised by the people.This moratorium came into effect on April 1 and ends on Sept 30.
“For those who still need a moratorium extension and targeted bank assistance after Sept 30, the banking institutions are ready to help the borrowers.
“Those who are still affected can start contacting their respective banks to discuss and apply for repayment flexibility,” he said in the 19th LAKSANA report on the implementation of the Prihatin Rakyat Economic Stimulus Package and National Economic Recovery Plan.
On Tuesday, Deputy Finance Minister II Mohd Shahar Abdullah in a statement said most banks had implemented the targeted moratorium extension and financing repayment flexibility programme from Aug 7.
As of Aug 21, the banks have contacted 1,015,848 borrowers, comprising individuals, SMEs and other companies, including corporate and commercial businesses to offer financing repayment assistance.
Shahar said within two weeks beginning Aug 7, a total of 139,424 applications for financing repayment assistance from individual customers were received, of which 109,172 were approved.
For SME customers, including micro-entrepreneurs, 5,017 applications were received, of which 4,300 were approved.
Sep 04, 2020 | TheStarOnline
PETALING JAYA: The Credit Counselling and Debt Management Agency (AKPK) has seen more than 1,000 walk-in inquiries in August seeking advice ahead of the loan moratorium which will cease at the end of the month.
AKPK general manager for the operations division Nor Fazleen Zakaria said the agency also saw 100 enrolments daily in its debt management programme out of the 1,100 daily walk-ins at its 11 branches nationwide.
In July, AKPK had 920 walk-ins while 96 joined its programme on a daily basis.
Nor Fazleen advised people to reassess and recalculate their financial position immediately by checking with their financial institutions on the instalment amounts or rates, post-moratorium.
“Consumers need to ask the banks how their instalments are affected. Go to the banks, don’t just assume everything is fine,” she said
Nor Fazleen added consumers need to reanalyse their financial situation to see if they are able to make the payments, once the moratorium ends.
“There are options available for consumers, they can go to the banks to discuss (the financing repayment assistance) but there are other avenues too.
“If they find the instalment proposals put forward by banks too expensive or if they have multiple borrowings and are not able to consolidate the debts, then they can come to AKPK,” said Nor Fazleen.
She said AKPK welcomes anyone who needs advise on ways to manage their finances and debt.
“Consumers need to take action by either going to the banks to find out their options or come to us. We are an agency under Bank Negara so we have that direct relationship with banks, we are in a position to negotiate for the person.
“Our debt repayment programme is a more holistic form. It takes into account the needs of the person as well as their debts,” she said.
She added that AKPK, which provides counselling and debt management programmes, will look at the consumer’s cash flow and help discuss with the banks.
Nor Fazleen said there are also some people who may have opted for the loan moratorium, although their incomes have not been affected by the pandemic, for some extra cash flow monthly during the period.
She advised that those who had done so should plan ahead as repayment of their instalments will begin in October.
“You can reprioritise now since it is just the first week of September, so you still have a few more weeks to work out your cash flow and be prepared to make the payment,” she said.
She said AKPK has carried out many awareness campaigns in June and July to remind people to get ready to begin their instalment repayments.
Meanwhile, Bernama reported that the value of the moratorium on loan repayments by financial institutions stood at RM78.14bil as of Aug 21.
Finance Minister Tengku Datuk Seri Zafrul Aziz said that out of this figure, a total of RM27.35bil was utilised by the business sector while RM50.79bil was utilised by the people.This moratorium came into effect on April 1 and ends on Sept 30.
“For those who still need a moratorium extension and targeted bank assistance after Sept 30, the banking institutions are ready to help the borrowers.
“Those who are still affected can start contacting their respective banks to discuss and apply for repayment flexibility,” he said in the 19th LAKSANA report on the implementation of the Prihatin Rakyat Economic Stimulus Package and National Economic Recovery Plan.
On Tuesday, Deputy Finance Minister II Mohd Shahar Abdullah in a statement said most banks had implemented the targeted moratorium extension and financing repayment flexibility programme from Aug 7.
As of Aug 21, the banks have contacted 1,015,848 borrowers, comprising individuals, SMEs and other companies, including corporate and commercial businesses to offer financing repayment assistance.
Shahar said within two weeks beginning Aug 7, a total of 139,424 applications for financing repayment assistance from individual customers were received, of which 109,172 were approved.
For SME customers, including micro-entrepreneurs, 5,017 applications were received, of which 4,300 were approved.
KUALA LUMPUR: The Credit Counselling and Debt Management Agency (Agensi Kaunseling dan Pengurusan Kredit) will start offering specialised solutions to help SMEs (including micro SMEs) to manage their debt and promote sound financial management practices.
In a joint statement on Friday, Bank Negara Malaysia and AKPK said from Sept 1, the latter will provide the services following the transfer of the Small Debt Resolution Scheme (SDRS) function from Bank Negara to AKPK.
“ With this transfer, AKPK will serve as the one stop platform for both individuals and SMEs seeking debt restructuring services, as well as financial education and advisory, ” they said
The statement also said AKPK can now provide more efficient and holistic debt restructuring and advisory services for SMEs that have loans with multiple banks.This was based on AKPK's vast experience and expertise in assisting financially distressed individuals manage their finances through its structured debt management programme.
AKPK also plays a key role in strengthening the financial capability of Malaysians through its tailored financial education and counselling programmes.
KUALA LUMPUR: The Credit Counselling and Debt Management Agency (Agensi Kaunseling dan Pengurusan Kredit) will start offering specialised solutions to help SMEs (including micro SMEs) to manage their debt and promote sound financial management practices.
In a joint statement on Friday, Bank Negara Malaysia and AKPK said from Sept 1, the latter will provide the services following the transfer of the Small Debt Resolution Scheme (SDRS) function from Bank Negara to AKPK.
“ With this transfer, AKPK will serve as the one stop platform for both individuals and SMEs seeking debt restructuring services, as well as financial education and advisory, ” they said
The statement also said AKPK can now provide more efficient and holistic debt restructuring and advisory services for SMEs that have loans with multiple banks.This was based on AKPK's vast experience and expertise in assisting financially distressed individuals manage their finances through its structured debt management programme.
AKPK also plays a key role in strengthening the financial capability of Malaysians through its tailored financial education and counselling programmes.
Aug 15, 2020 | TheStarOnline
KUALA LUMPUR: The Credit Counselling and Debt Management Agency (Agensi Kaunseling dan Pengurusan Kredit) will start offering specialised solutions to help SMEs (including micro SMEs) to manage their debt and promote sound financial management practices.
In a joint statement on Friday, Bank Negara Malaysia and AKPK said from Sept 1, the latter will provide the services following the transfer of the Small Debt Resolution Scheme (SDRS) function from Bank Negara to AKPK.
“ With this transfer, AKPK will serve as the one stop platform for both individuals and SMEs seeking debt restructuring services, as well as financial education and advisory, ” they said
The statement also said AKPK can now provide more efficient and holistic debt restructuring and advisory services for SMEs that have loans with multiple banks.This was based on AKPK's vast experience and expertise in assisting financially distressed individuals manage their finances through its structured debt management programme.
AKPK also plays a key role in strengthening the financial capability of Malaysians through its tailored financial education and counselling programmes.
IRA-KIRA 50,000 individu menyerbu pejabat Agensi Kaunseling dan Pengurusan Kredit (AKPK) di seluruh negara untuk mendapatkan perkhidmatan pengurusan hutang sejak Perintah Kawalan Pergerakan Pemulihan (PKPP) dilaksanakan, 10 Jun lalu.
Pengurus Besar Bahagian Operasinya Nor Fazleen Zakaria berkata, dianggarkan setiap hari kira-kira 800 pelanggan hadir di pejabat AKPK sepanjang tempoh pelaksanaan PKPP.
Katanya, ia disebabkan mereka terjejas berikutan pandemik Covid-19 dan memerlukan khidmat nasihat kewangan selain bantuan pengurusan untuk bebas daripada belenggu hutang.
"Semua pejabat AKPK memulakan operasi selepas pelaksanaan PKPP diumumkan kerajaan berkuat kuasa 10 Jun lalu," katanya pada sidang media selepas Program Bijak Wang 2.0 dan pelancaran BSN MyFirst, Duit for Baby di Pusat Sains dan Kreativiti Terengganu, Kuala Terengganu, hari ini.
Mengulas jumlah keseluruhan individu yang menggunakan khidmat AKPK sejak agensi itu ditubuhkan pada 2006, Nor Fazleen berkata, sehingga akhir Jun lalu, seramai 1.083 juta individu menghadiri sesi perkhidmatan kaunseling manakala 322,495 lagi memohon untuk menyertai Program Pengurusan Kredit.
IRA-KIRA 50,000 individu menyerbu pejabat Agensi Kaunseling dan Pengurusan Kredit (AKPK) di seluruh negara untuk mendapatkan perkhidmatan pengurusan hutang sejak Perintah Kawalan Pergerakan Pemulihan (PKPP) dilaksanakan, 10 Jun lalu.
Pengurus Besar Bahagian Operasinya Nor Fazleen Zakaria berkata, dianggarkan setiap hari kira-kira 800 pelanggan hadir di pejabat AKPK sepanjang tempoh pelaksanaan PKPP.
Katanya, ia disebabkan mereka terjejas berikutan pandemik Covid-19 dan memerlukan khidmat nasihat kewangan selain bantuan pengurusan untuk bebas daripada belenggu hutang.
"Semua pejabat AKPK memulakan operasi selepas pelaksanaan PKPP diumumkan kerajaan berkuat kuasa 10 Jun lalu," katanya pada sidang media selepas Program Bijak Wang 2.0 dan pelancaran BSN MyFirst, Duit for Baby di Pusat Sains dan Kreativiti Terengganu, Kuala Terengganu, hari ini.
Mengulas jumlah keseluruhan individu yang menggunakan khidmat AKPK sejak agensi itu ditubuhkan pada 2006, Nor Fazleen berkata, sehingga akhir Jun lalu, seramai 1.083 juta individu menghadiri sesi perkhidmatan kaunseling manakala 322,495 lagi memohon untuk menyertai Program Pengurusan Kredit.
Aug 07, 2020 | HarianMetroOnline
IRA-KIRA 50,000 individu menyerbu pejabat Agensi Kaunseling dan Pengurusan Kredit (AKPK) di seluruh negara untuk mendapatkan perkhidmatan pengurusan hutang sejak Perintah Kawalan Pergerakan Pemulihan (PKPP) dilaksanakan, 10 Jun lalu.
Pengurus Besar Bahagian Operasinya Nor Fazleen Zakaria berkata, dianggarkan setiap hari kira-kira 800 pelanggan hadir di pejabat AKPK sepanjang tempoh pelaksanaan PKPP.
Katanya, ia disebabkan mereka terjejas berikutan pandemik Covid-19 dan memerlukan khidmat nasihat kewangan selain bantuan pengurusan untuk bebas daripada belenggu hutang.
"Semua pejabat AKPK memulakan operasi selepas pelaksanaan PKPP diumumkan kerajaan berkuat kuasa 10 Jun lalu," katanya pada sidang media selepas Program Bijak Wang 2.0 dan pelancaran BSN MyFirst, Duit for Baby di Pusat Sains dan Kreativiti Terengganu, Kuala Terengganu, hari ini.
Mengulas jumlah keseluruhan individu yang menggunakan khidmat AKPK sejak agensi itu ditubuhkan pada 2006, Nor Fazleen berkata, sehingga akhir Jun lalu, seramai 1.083 juta individu menghadiri sesi perkhidmatan kaunseling manakala 322,495 lagi memohon untuk menyertai Program Pengurusan Kredit.
KUALA LUMPUR: Sebanyak 88 peratus atau 1,648 daripada 1,873 responden undian dalam talian yang dijalankan oleh Agensi Kaunseling dan Pengurusan Kredit (AKPK) memilih untuk mengambil moratorium atau penangguhan bayaran balik kewangan yang diperkenalkan oleh Bank Negara Malaysia (BNM).
Ketua Unit Pembangunan Modul Jabatan Pendidikan Kewangan AKPK, Nirmala Supramaniam, berkata tinjauan susulan ke atas 788 responden yang mengambil moratorium, mendapati 48 peratus atau 378 responden mahu mewujudkan simpanan waktu kecemasan.
"Ada juga yang mengambil moratorium ini untuk menggunakan duit berkenaan membeli keperluan harian 21 peratus (165), pelaburan 16 peratus (126), membuat pinjaman yang lebih rendah 11 peratus (87) dan empat peratus (32) tiada perancangan.
"Bagaimanapun undian ini tidak mengambarkan keseluruhan situasi sebenar kerana ia hanya undian secara rawak yang dilakukan dalam talian melalui Faceboook AKPK dan microsite AKPK, #askAKP dari April hingga Mei lepas," katanya kepada Bernama selepas menjadi tetamu program Ruang Bicara, terbitan Bernama TV malam tadi.
Dalam pada itu, Nirmala berkata kajian AKPK turut mendapati tahap tekanan kewangan meningkat sebanyak 35 peratus dalam kalangan golongan yang bekerja dalam tempoh Perintah Kawalan Pergerakan (PKP) baru-baru ini.
Katanya, perkara itu berlaku kerana PKP dan pandemik COVID-19 adalah situasi yang berlaku di luar jangkaan dan ramai yang tidak bersedia dari segi simpanan wang untuk kecemasan.
-BERNAMA
KUALA LUMPUR: Sebanyak 88 peratus atau 1,648 daripada 1,873 responden undian dalam talian yang dijalankan oleh Agensi Kaunseling dan Pengurusan Kredit (AKPK) memilih untuk mengambil moratorium atau penangguhan bayaran balik kewangan yang diperkenalkan oleh Bank Negara Malaysia (BNM).
Ketua Unit Pembangunan Modul Jabatan Pendidikan Kewangan AKPK, Nirmala Supramaniam, berkata tinjauan susulan ke atas 788 responden yang mengambil moratorium, mendapati 48 peratus atau 378 responden mahu mewujudkan simpanan waktu kecemasan.
"Ada juga yang mengambil moratorium ini untuk menggunakan duit berkenaan membeli keperluan harian 21 peratus (165), pelaburan 16 peratus (126), membuat pinjaman yang lebih rendah 11 peratus (87) dan empat peratus (32) tiada perancangan.
"Bagaimanapun undian ini tidak mengambarkan keseluruhan situasi sebenar kerana ia hanya undian secara rawak yang dilakukan dalam talian melalui Faceboook AKPK dan microsite AKPK, #askAKP dari April hingga Mei lepas," katanya kepada Bernama selepas menjadi tetamu program Ruang Bicara, terbitan Bernama TV malam tadi.
Dalam pada itu, Nirmala berkata kajian AKPK turut mendapati tahap tekanan kewangan meningkat sebanyak 35 peratus dalam kalangan golongan yang bekerja dalam tempoh Perintah Kawalan Pergerakan (PKP) baru-baru ini.
Katanya, perkara itu berlaku kerana PKP dan pandemik COVID-19 adalah situasi yang berlaku di luar jangkaan dan ramai yang tidak bersedia dari segi simpanan wang untuk kecemasan.
-BERNAMA
Jul 04, 2020 | BHOnline
KUALA LUMPUR: Sebanyak 88 peratus atau 1,648 daripada 1,873 responden undian dalam talian yang dijalankan oleh Agensi Kaunseling dan Pengurusan Kredit (AKPK) memilih untuk mengambil moratorium atau penangguhan bayaran balik kewangan yang diperkenalkan oleh Bank Negara Malaysia (BNM).
Ketua Unit Pembangunan Modul Jabatan Pendidikan Kewangan AKPK, Nirmala Supramaniam, berkata tinjauan susulan ke atas 788 responden yang mengambil moratorium, mendapati 48 peratus atau 378 responden mahu mewujudkan simpanan waktu kecemasan.
"Ada juga yang mengambil moratorium ini untuk menggunakan duit berkenaan membeli keperluan harian 21 peratus (165), pelaburan 16 peratus (126), membuat pinjaman yang lebih rendah 11 peratus (87) dan empat peratus (32) tiada perancangan.
"Bagaimanapun undian ini tidak mengambarkan keseluruhan situasi sebenar kerana ia hanya undian secara rawak yang dilakukan dalam talian melalui Faceboook AKPK dan microsite AKPK, #askAKP dari April hingga Mei lepas," katanya kepada Bernama selepas menjadi tetamu program Ruang Bicara, terbitan Bernama TV malam tadi.
Dalam pada itu, Nirmala berkata kajian AKPK turut mendapati tahap tekanan kewangan meningkat sebanyak 35 peratus dalam kalangan golongan yang bekerja dalam tempoh Perintah Kawalan Pergerakan (PKP) baru-baru ini.
Katanya, perkara itu berlaku kerana PKP dan pandemik COVID-19 adalah situasi yang berlaku di luar jangkaan dan ramai yang tidak bersedia dari segi simpanan wang untuk kecemasan.
-BERNAMA
KUALA LUMPUR, 23 Jun -- Bank Simpanan Nasional (BSN) dengan kerjasama Agensi Kaunseling dan Pengurusan Kredit (AKPK) hari ini melancarkan kempen ‘Duit for Baby’ bagi memperkenalkan skim simpanan baharunya, BSN MyFirst.
Ketua Eksekutif BSN, Datuk Yunos Abd Ghani berkata kempen yang berlangsung mulai hari ini sehingga 31 Dis depan, terbuka kepada semua ibu bapa yang membuat simpanan dengan BSN MyFirst untuk anak-anak mereka yang berusia di bawah tujuh tahun.
"Pelanggan bukan sahaja dapat menikmati kadar keuntungan yang menarik apabila menyimpan dengan BSN MyFirst, malah mereka juga berpeluang memenangi hadiah lumayan apabila menyertai kempen ini," katanya kepada pemberita selepas Majlis Pelancaran Kempen 'Duit for Baby' di Wisma BSN, di sini, hari ini.
Kempen 'Duit for Baby' dirasmikan oleh Timbalan Ketua Setiausaha (Pengurusan) Kementerian Kesihatan (KKM), Datuk Mohd Shafiq Abdullah.
Kata Yunos, selain perlu membuka skim simpanan BSN MyFirst, peserta juga boleh menyertai kempen ini dengan mengikut modul kewangan dalam talian yang disediakan AKPK atau menghantar tiga slogan terbaik ke AKPK.
"Sepuluh ribu peserta pertama yang menyertai BSN MyFirst dalam tempoh berkempen akan menerima hadiah tambahan bernilai RM50 yang akan didepositkan ke dalam akaun BSN MyFirst masing-masing," katanya.
Pemenang tempat pertama bakal membawa pulang hadiah berupa Sijil Simpanan Premium (SSP) BSN bernilai RM5,000, manakala tempat kedua, SSP bernilai RM3,000 dan tempat ketiga, SSP bernilai RM1,000.
Tiga pemenang bulanan juga akan dipilih sepanjang tempoh kempen untuk membawa pulang hadiah berupa SSP bernilai RM650 untuk tempat pertama, RM500 untuk tempat kedua dan RM300 di tempat ketiga.
Kempen 'Duit for Baby' turut menerima sokongan daripada KKM yang memberi fokus untuk mendidik ibu bapa muda mengenai perancangan kewangan ketika memulakan keluarga menerusi modul-modul pendidikan kewangan secara dalam talian.
"Modul-modul ini turut memberi penekanan terhadap belanjawan, aliran tunai, kos melahirkan bayi serta perlindungan dan perancangan untuk pendidikan anak-anak," kata Yunos.
--BERNAMA
KUALA LUMPUR, 23 Jun -- Bank Simpanan Nasional (BSN) dengan kerjasama Agensi Kaunseling dan Pengurusan Kredit (AKPK) hari ini melancarkan kempen ‘Duit for Baby’ bagi memperkenalkan skim simpanan baharunya, BSN MyFirst.
Ketua Eksekutif BSN, Datuk Yunos Abd Ghani berkata kempen yang berlangsung mulai hari ini sehingga 31 Dis depan, terbuka kepada semua ibu bapa yang membuat simpanan dengan BSN MyFirst untuk anak-anak mereka yang berusia di bawah tujuh tahun.
"Pelanggan bukan sahaja dapat menikmati kadar keuntungan yang menarik apabila menyimpan dengan BSN MyFirst, malah mereka juga berpeluang memenangi hadiah lumayan apabila menyertai kempen ini," katanya kepada pemberita selepas Majlis Pelancaran Kempen 'Duit for Baby' di Wisma BSN, di sini, hari ini.
Kempen 'Duit for Baby' dirasmikan oleh Timbalan Ketua Setiausaha (Pengurusan) Kementerian Kesihatan (KKM), Datuk Mohd Shafiq Abdullah.
Kata Yunos, selain perlu membuka skim simpanan BSN MyFirst, peserta juga boleh menyertai kempen ini dengan mengikut modul kewangan dalam talian yang disediakan AKPK atau menghantar tiga slogan terbaik ke AKPK.
"Sepuluh ribu peserta pertama yang menyertai BSN MyFirst dalam tempoh berkempen akan menerima hadiah tambahan bernilai RM50 yang akan didepositkan ke dalam akaun BSN MyFirst masing-masing," katanya.
Pemenang tempat pertama bakal membawa pulang hadiah berupa Sijil Simpanan Premium (SSP) BSN bernilai RM5,000, manakala tempat kedua, SSP bernilai RM3,000 dan tempat ketiga, SSP bernilai RM1,000.
Tiga pemenang bulanan juga akan dipilih sepanjang tempoh kempen untuk membawa pulang hadiah berupa SSP bernilai RM650 untuk tempat pertama, RM500 untuk tempat kedua dan RM300 di tempat ketiga.
Kempen 'Duit for Baby' turut menerima sokongan daripada KKM yang memberi fokus untuk mendidik ibu bapa muda mengenai perancangan kewangan ketika memulakan keluarga menerusi modul-modul pendidikan kewangan secara dalam talian.
"Modul-modul ini turut memberi penekanan terhadap belanjawan, aliran tunai, kos melahirkan bayi serta perlindungan dan perancangan untuk pendidikan anak-anak," kata Yunos.
--BERNAMA
Jun 23, 2020 | BernamaOnline
KUALA LUMPUR, 23 Jun -- Bank Simpanan Nasional (BSN) dengan kerjasama Agensi Kaunseling dan Pengurusan Kredit (AKPK) hari ini melancarkan kempen ‘Duit for Baby’ bagi memperkenalkan skim simpanan baharunya, BSN MyFirst.
Ketua Eksekutif BSN, Datuk Yunos Abd Ghani berkata kempen yang berlangsung mulai hari ini sehingga 31 Dis depan, terbuka kepada semua ibu bapa yang membuat simpanan dengan BSN MyFirst untuk anak-anak mereka yang berusia di bawah tujuh tahun.
"Pelanggan bukan sahaja dapat menikmati kadar keuntungan yang menarik apabila menyimpan dengan BSN MyFirst, malah mereka juga berpeluang memenangi hadiah lumayan apabila menyertai kempen ini," katanya kepada pemberita selepas Majlis Pelancaran Kempen 'Duit for Baby' di Wisma BSN, di sini, hari ini.
Kempen 'Duit for Baby' dirasmikan oleh Timbalan Ketua Setiausaha (Pengurusan) Kementerian Kesihatan (KKM), Datuk Mohd Shafiq Abdullah.
Kata Yunos, selain perlu membuka skim simpanan BSN MyFirst, peserta juga boleh menyertai kempen ini dengan mengikut modul kewangan dalam talian yang disediakan AKPK atau menghantar tiga slogan terbaik ke AKPK.
"Sepuluh ribu peserta pertama yang menyertai BSN MyFirst dalam tempoh berkempen akan menerima hadiah tambahan bernilai RM50 yang akan didepositkan ke dalam akaun BSN MyFirst masing-masing," katanya.
Pemenang tempat pertama bakal membawa pulang hadiah berupa Sijil Simpanan Premium (SSP) BSN bernilai RM5,000, manakala tempat kedua, SSP bernilai RM3,000 dan tempat ketiga, SSP bernilai RM1,000.
Tiga pemenang bulanan juga akan dipilih sepanjang tempoh kempen untuk membawa pulang hadiah berupa SSP bernilai RM650 untuk tempat pertama, RM500 untuk tempat kedua dan RM300 di tempat ketiga.
Kempen 'Duit for Baby' turut menerima sokongan daripada KKM yang memberi fokus untuk mendidik ibu bapa muda mengenai perancangan kewangan ketika memulakan keluarga menerusi modul-modul pendidikan kewangan secara dalam talian.
"Modul-modul ini turut memberi penekanan terhadap belanjawan, aliran tunai, kos melahirkan bayi serta perlindungan dan perancangan untuk pendidikan anak-anak," kata Yunos.
--BERNAMA
KUALA LUMPUR, June 20 ― The Credit Counselling and Debt Management Agency (AKPK), is ready to provide financial counselling and loan rescheduling services to individuals facing post-moratorium debt repayment problems.
AKPK’s Corporate Communications Department Head Mohamed Khalil Jamaldin in a statement today said, it follows the implementation of the moratorium that will expire in about three months, on September 30.
“For those whose income was not affected but who still choose to accept the moratorium, they are expected to have no problem repaying the loan after the moratorium expires.
“But for those who are still struggling financially and going through difficult times, they are urged to seek some early assistance by contacting their respective financial institutions or AKPK,” he said in the statement.
AKPK can be contacted at the customer service line 03-2616 7766 or via its website www.akpk.org.my as well as the link bit.ly/AKPKdmp2020.
AKPK, in the meantime, also outlined nine guidelines that can be used by the public to prepare for the post-moratorium financial challenges, including preparing mentally and emotionally to the fact that there will be no payment deferment period after September 30 and not waiting for the last moment to fulfil their responsibilities as borrowers.
People should also contact the financial institution to find out their latest monthly installment and review their financial position, study their monthly budget and find ways to generate extra income.
For those interested in knowing the latest tips on prudent financial management and learning online financial management, they can visit the website power.akpk.org.my or AKPK’s official Facebook page, twitter and Instagram. ― Bernama
KUALA LUMPUR, June 20 ― The Credit Counselling and Debt Management Agency (AKPK), is ready to provide financial counselling and loan rescheduling services to individuals facing post-moratorium debt repayment problems.
AKPK’s Corporate Communications Department Head Mohamed Khalil Jamaldin in a statement today said, it follows the implementation of the moratorium that will expire in about three months, on September 30.
“For those whose income was not affected but who still choose to accept the moratorium, they are expected to have no problem repaying the loan after the moratorium expires.
“But for those who are still struggling financially and going through difficult times, they are urged to seek some early assistance by contacting their respective financial institutions or AKPK,” he said in the statement.
AKPK can be contacted at the customer service line 03-2616 7766 or via its website www.akpk.org.my as well as the link bit.ly/AKPKdmp2020.
AKPK, in the meantime, also outlined nine guidelines that can be used by the public to prepare for the post-moratorium financial challenges, including preparing mentally and emotionally to the fact that there will be no payment deferment period after September 30 and not waiting for the last moment to fulfil their responsibilities as borrowers.
People should also contact the financial institution to find out their latest monthly installment and review their financial position, study their monthly budget and find ways to generate extra income.
For those interested in knowing the latest tips on prudent financial management and learning online financial management, they can visit the website power.akpk.org.my or AKPK’s official Facebook page, twitter and Instagram. ― Bernama
Jun 20, 2020 | TheMalayMailOnline
KUALA LUMPUR, June 20 ― The Credit Counselling and Debt Management Agency (AKPK), is ready to provide financial counselling and loan rescheduling services to individuals facing post-moratorium debt repayment problems.
AKPK’s Corporate Communications Department Head Mohamed Khalil Jamaldin in a statement today said, it follows the implementation of the moratorium that will expire in about three months, on September 30.
“For those whose income was not affected but who still choose to accept the moratorium, they are expected to have no problem repaying the loan after the moratorium expires.
“But for those who are still struggling financially and going through difficult times, they are urged to seek some early assistance by contacting their respective financial institutions or AKPK,” he said in the statement.
AKPK can be contacted at the customer service line 03-2616 7766 or via its website www.akpk.org.my as well as the link bit.ly/AKPKdmp2020.
AKPK, in the meantime, also outlined nine guidelines that can be used by the public to prepare for the post-moratorium financial challenges, including preparing mentally and emotionally to the fact that there will be no payment deferment period after September 30 and not waiting for the last moment to fulfil their responsibilities as borrowers.
People should also contact the financial institution to find out their latest monthly installment and review their financial position, study their monthly budget and find ways to generate extra income.
For those interested in knowing the latest tips on prudent financial management and learning online financial management, they can visit the website power.akpk.org.my or AKPK’s official Facebook page, twitter and Instagram. ― Bernama
PETALING JAYA: The Credit Counselling and Debt Management Agency (AKPK) has never appointed any agents or charged fees for its services.
AKPK Kuching branch head Marlene Margaret Nichol said individuals could approach the agency directly for free financial counselling and debt management services.
“Should anyone be approached by individuals claiming to be an agent of AKPK and offering his or her service for a fee, we would like to alert the public that it is a fake agent who has no authority to act on behalf of AKPK.
“If anyone is in a stressful financial situation (e.g. house auction looming, car due to be repossessed), do not believe third parties who claim to represent AKPK with a promise to solve your problems for a fee.
“This is a scam, ” said Marlene in a statement yesterday.
“The agency under Bank Negara Malaysia provides financial education, counselling and debt management services without charge, ” she said, adding that AKPK had received many reports from customers being approached by individuals claiming to be the agency’s representatives or agents.
She said some customers had checked with the agency, but some ended up being scammed.
“It’s a double whammy for our customers who are already in debt, yet are misled into paying a few thousand ringgit as service fees to these third parties.
“Instead of paying the scammers, they could have used the money to pay down their debts, ” she said.
Marlene cited the case of a customer who was scammed after he received an SMS advising him to take a personal loan to fully settle his outstanding credit card balances.
After obtaining the personal loan and settling his credit card balances, the man applied for a higher credit limit from the bank with the help of an “agent” who assisted him to write a letter.
The said application was approved and the man then maxed out his credit card limit.
“The ‘agent’ then helped him to apply to AKPK to enrol in the Debt Management Programme, telling him that this is a special loan from Bank Negara.
“The victim paid almost RM20,000 to the agent in fees for his ‘service’, ” said Marlene.
She advised the public to be wary of calls or messages purportedly from bank officials or other agencies and institutions.
The public can visit www.akpk.org.my for assistance or updates.
PETALING JAYA: The Credit Counselling and Debt Management Agency (AKPK) has never appointed any agents or charged fees for its services.
AKPK Kuching branch head Marlene Margaret Nichol said individuals could approach the agency directly for free financial counselling and debt management services.
“Should anyone be approached by individuals claiming to be an agent of AKPK and offering his or her service for a fee, we would like to alert the public that it is a fake agent who has no authority to act on behalf of AKPK.
“If anyone is in a stressful financial situation (e.g. house auction looming, car due to be repossessed), do not believe third parties who claim to represent AKPK with a promise to solve your problems for a fee.
“This is a scam, ” said Marlene in a statement yesterday.
“The agency under Bank Negara Malaysia provides financial education, counselling and debt management services without charge, ” she said, adding that AKPK had received many reports from customers being approached by individuals claiming to be the agency’s representatives or agents.
She said some customers had checked with the agency, but some ended up being scammed.
“It’s a double whammy for our customers who are already in debt, yet are misled into paying a few thousand ringgit as service fees to these third parties.
“Instead of paying the scammers, they could have used the money to pay down their debts, ” she said.
Marlene cited the case of a customer who was scammed after he received an SMS advising him to take a personal loan to fully settle his outstanding credit card balances.
After obtaining the personal loan and settling his credit card balances, the man applied for a higher credit limit from the bank with the help of an “agent” who assisted him to write a letter.
The said application was approved and the man then maxed out his credit card limit.
“The ‘agent’ then helped him to apply to AKPK to enrol in the Debt Management Programme, telling him that this is a special loan from Bank Negara.
“The victim paid almost RM20,000 to the agent in fees for his ‘service’, ” said Marlene.
She advised the public to be wary of calls or messages purportedly from bank officials or other agencies and institutions.
The public can visit www.akpk.org.my for assistance or updates.
May 17, 2020 | SinarHarianOnline
PETALING JAYA: The Credit Counselling and Debt Management Agency (AKPK) has never appointed any agents or charged fees for its services.
AKPK Kuching branch head Marlene Margaret Nichol said individuals could approach the agency directly for free financial counselling and debt management services.
“Should anyone be approached by individuals claiming to be an agent of AKPK and offering his or her service for a fee, we would like to alert the public that it is a fake agent who has no authority to act on behalf of AKPK.
“If anyone is in a stressful financial situation (e.g. house auction looming, car due to be repossessed), do not believe third parties who claim to represent AKPK with a promise to solve your problems for a fee.
“This is a scam, ” said Marlene in a statement yesterday.
“The agency under Bank Negara Malaysia provides financial education, counselling and debt management services without charge, ” she said, adding that AKPK had received many reports from customers being approached by individuals claiming to be the agency’s representatives or agents.
She said some customers had checked with the agency, but some ended up being scammed.
“It’s a double whammy for our customers who are already in debt, yet are misled into paying a few thousand ringgit as service fees to these third parties.
“Instead of paying the scammers, they could have used the money to pay down their debts, ” she said.
Marlene cited the case of a customer who was scammed after he received an SMS advising him to take a personal loan to fully settle his outstanding credit card balances.
After obtaining the personal loan and settling his credit card balances, the man applied for a higher credit limit from the bank with the help of an “agent” who assisted him to write a letter.
The said application was approved and the man then maxed out his credit card limit.
“The ‘agent’ then helped him to apply to AKPK to enrol in the Debt Management Programme, telling him that this is a special loan from Bank Negara.
“The victim paid almost RM20,000 to the agent in fees for his ‘service’, ” said Marlene.
She advised the public to be wary of calls or messages purportedly from bank officials or other agencies and institutions.
The public can visit www.akpk.org.my for assistance or updates.
SITUASI semasa melanda dunia dan negara akibat penularan wabak Covid-19 menyaksikan segelintir bergelut menguruskan kewangan sehingga memberi impak kepada kesejahteraan ekonomi diri dan keluarga.
Sehubungan itu, Agensi Kaunseling dan Pengurusan Kredit (AKPK) menyediakan modul pembelajaran dalam talian bagi membantu masyarakat terkesan dengan pengurusan kewangan susulan pandemik Covid-19.
Ketua AKPK Melaka, Syaiful Anuar Bokhari berkata, dalam modul berkenaan banyak perkara berkaitan pengurusan kewangan boleh dilakukan untuk membantu mengatasi masalah dan tekanan bagi menyediakan diri menghadapi situasi genting terbabit.
Katanya, mereka boleh melayari modul pembelajaran dalam talian iaitu Mengharungi Cabaran di power.akpk.org.my yang boleh diakses pada bila-bila masa terutama ketika Perintah Kawalan Pergerakan (PKP).
"Dalam PKP ini, hanya sektor diklasifikasikan sebagai perkhidmatan penting (essentials) sahaja dibenarkan beroperasi dengan kadar minimum manakala sektor lain perlu menutup operasi mereka.
"Keadaan ini jelas memberi kesan kepada kebanyakan tenaga kerja. Ramai terjejas punca pendapatan akibat diberhentikan kerja atau terpaksa menerima potongan gaji dikenakan majikan bagi menampung kerugian dialami," katanya.
Beliau berkata, tinjauan dilakukan Jabatan Statistik Malaysia iaitu Survei Khas Kesan Covid–19 kepada Ekonomi dan Individu di Malaysia menunjukkan 52.6 peratus merasa sangat tertekan daripada segi impak kewangan.
Menurutnya, tinjauan itu menyatakan kesiapsiagaan simpanan kewangan berdasarkan sektor pekerjaan iaitu lebih kurang 71.4 peratus bekerja sendiri yang paling terkesan dengan simpanan kurang satu bulan.
Katanya, ia diikuti 82.7 peratus pekerja swasta dengan simpanan lebih kurang dua bulan dan pekerja syarikat berkaitan kerajaan (GLC) 78.9 peratus dan syarikat multinasional (MNC) 75.2 peratus mempunyai simpanan minimum empat bulan.
"Sementara itu, mereka yang bekerja sendiri sememangnya terjejas dengan pandemik ini dengan tinjauan ini menyatakan 46.6 peratus hilang sumber pendapatan dan kepada yang masih bekerja ada pendapatan berkurang sehingga 90 peratus.
"Orang ramai disarankan tidak panik kerana kerana ini masa terbaik untuk merancang pelan belanjawan yang sistematik sendirian atau bersama pasangan.
"Justeru, orang ramai perlu memastikan setiap perbelanjaan dirancang mengikut kemampuan aliran tunai semasa isi rumah dan elakkan pembaziran, selain tangguhkan kehendak ketika berdepan dengan krisis dan penuhilah selepas benar-benar bersedia," katanya.
SITUASI semasa melanda dunia dan negara akibat penularan wabak Covid-19 menyaksikan segelintir bergelut menguruskan kewangan sehingga memberi impak kepada kesejahteraan ekonomi diri dan keluarga.
Sehubungan itu, Agensi Kaunseling dan Pengurusan Kredit (AKPK) menyediakan modul pembelajaran dalam talian bagi membantu masyarakat terkesan dengan pengurusan kewangan susulan pandemik Covid-19.
Ketua AKPK Melaka, Syaiful Anuar Bokhari berkata, dalam modul berkenaan banyak perkara berkaitan pengurusan kewangan boleh dilakukan untuk membantu mengatasi masalah dan tekanan bagi menyediakan diri menghadapi situasi genting terbabit.
Katanya, mereka boleh melayari modul pembelajaran dalam talian iaitu Mengharungi Cabaran di power.akpk.org.my yang boleh diakses pada bila-bila masa terutama ketika Perintah Kawalan Pergerakan (PKP).
"Dalam PKP ini, hanya sektor diklasifikasikan sebagai perkhidmatan penting (essentials) sahaja dibenarkan beroperasi dengan kadar minimum manakala sektor lain perlu menutup operasi mereka.
"Keadaan ini jelas memberi kesan kepada kebanyakan tenaga kerja. Ramai terjejas punca pendapatan akibat diberhentikan kerja atau terpaksa menerima potongan gaji dikenakan majikan bagi menampung kerugian dialami," katanya.
Beliau berkata, tinjauan dilakukan Jabatan Statistik Malaysia iaitu Survei Khas Kesan Covid–19 kepada Ekonomi dan Individu di Malaysia menunjukkan 52.6 peratus merasa sangat tertekan daripada segi impak kewangan.
Menurutnya, tinjauan itu menyatakan kesiapsiagaan simpanan kewangan berdasarkan sektor pekerjaan iaitu lebih kurang 71.4 peratus bekerja sendiri yang paling terkesan dengan simpanan kurang satu bulan.
Katanya, ia diikuti 82.7 peratus pekerja swasta dengan simpanan lebih kurang dua bulan dan pekerja syarikat berkaitan kerajaan (GLC) 78.9 peratus dan syarikat multinasional (MNC) 75.2 peratus mempunyai simpanan minimum empat bulan.
"Sementara itu, mereka yang bekerja sendiri sememangnya terjejas dengan pandemik ini dengan tinjauan ini menyatakan 46.6 peratus hilang sumber pendapatan dan kepada yang masih bekerja ada pendapatan berkurang sehingga 90 peratus.
"Orang ramai disarankan tidak panik kerana kerana ini masa terbaik untuk merancang pelan belanjawan yang sistematik sendirian atau bersama pasangan.
"Justeru, orang ramai perlu memastikan setiap perbelanjaan dirancang mengikut kemampuan aliran tunai semasa isi rumah dan elakkan pembaziran, selain tangguhkan kehendak ketika berdepan dengan krisis dan penuhilah selepas benar-benar bersedia," katanya.
May 01, 2020 | HarianMetroOnline
SITUASI semasa melanda dunia dan negara akibat penularan wabak Covid-19 menyaksikan segelintir bergelut menguruskan kewangan sehingga memberi impak kepada kesejahteraan ekonomi diri dan keluarga.
Sehubungan itu, Agensi Kaunseling dan Pengurusan Kredit (AKPK) menyediakan modul pembelajaran dalam talian bagi membantu masyarakat terkesan dengan pengurusan kewangan susulan pandemik Covid-19.
Ketua AKPK Melaka, Syaiful Anuar Bokhari berkata, dalam modul berkenaan banyak perkara berkaitan pengurusan kewangan boleh dilakukan untuk membantu mengatasi masalah dan tekanan bagi menyediakan diri menghadapi situasi genting terbabit.
Katanya, mereka boleh melayari modul pembelajaran dalam talian iaitu Mengharungi Cabaran di power.akpk.org.my yang boleh diakses pada bila-bila masa terutama ketika Perintah Kawalan Pergerakan (PKP).
"Dalam PKP ini, hanya sektor diklasifikasikan sebagai perkhidmatan penting (essentials) sahaja dibenarkan beroperasi dengan kadar minimum manakala sektor lain perlu menutup operasi mereka.
"Keadaan ini jelas memberi kesan kepada kebanyakan tenaga kerja. Ramai terjejas punca pendapatan akibat diberhentikan kerja atau terpaksa menerima potongan gaji dikenakan majikan bagi menampung kerugian dialami," katanya.
Beliau berkata, tinjauan dilakukan Jabatan Statistik Malaysia iaitu Survei Khas Kesan Covid–19 kepada Ekonomi dan Individu di Malaysia menunjukkan 52.6 peratus merasa sangat tertekan daripada segi impak kewangan.
Menurutnya, tinjauan itu menyatakan kesiapsiagaan simpanan kewangan berdasarkan sektor pekerjaan iaitu lebih kurang 71.4 peratus bekerja sendiri yang paling terkesan dengan simpanan kurang satu bulan.
Katanya, ia diikuti 82.7 peratus pekerja swasta dengan simpanan lebih kurang dua bulan dan pekerja syarikat berkaitan kerajaan (GLC) 78.9 peratus dan syarikat multinasional (MNC) 75.2 peratus mempunyai simpanan minimum empat bulan.
"Sementara itu, mereka yang bekerja sendiri sememangnya terjejas dengan pandemik ini dengan tinjauan ini menyatakan 46.6 peratus hilang sumber pendapatan dan kepada yang masih bekerja ada pendapatan berkurang sehingga 90 peratus.
"Orang ramai disarankan tidak panik kerana kerana ini masa terbaik untuk merancang pelan belanjawan yang sistematik sendirian atau bersama pasangan.
"Justeru, orang ramai perlu memastikan setiap perbelanjaan dirancang mengikut kemampuan aliran tunai semasa isi rumah dan elakkan pembaziran, selain tangguhkan kehendak ketika berdepan dengan krisis dan penuhilah selepas benar-benar bersedia," katanya.
KOTA BHARU - Hampir 53 peratus rakyat Malaysia berdepan tekanan menguruskan kewangan terutama dalam tempoh Perintah Kawalan Pergerakan (PKP) ini.
Ketua Agensi Kaunseling dan Pengurusan Kredit (AKPK) Cawangan Kelantan, Mohd Rizauddin Noor berkata, peratusan tersebut diperoleh daripada tinjauan khas Jabatan Statistik Malaysia membabitkan kesan selepas Covid-19 ke atas ekonomi dan individu di Malaysia.
Tinjauan juga katanya, sebanyak 71 peratus rakyat yang bekerja sendiri menyatakan simpanan kewangan yang mereka ada cukup untuk satu bulan sahaja.
"Bagaimanapun, kami menasihatkan supaya tidak panik kerana inilah masa terbaik untuk merancang pelan belanjawan yang sistematik sendirian atau bersama pasangan," katanya kepada Sinar Harian di sini hari ini.
Menurutnya, masyarakat disaran memastikan setiap perbelanjaan dirancang mengikut kemampuan aliran tunai semasa isi rumah dan perlu mengelakkan pembaziran.
Mohd Rizauddin memberitahu, orang ramai perlu menangguhkan kehendak ketika berdepan dengan krisis kewangan.
"Banyak lagi yang boleh lakukan untuk merancang kewangan dengan lebih baik. Mereka boleh melayari modul pembelajaran dalam talian iaitu Mengharungi Cabaran di power.akpk.org.my.
"Ikuti pembelajaran atas talian ini untuk melihat bagaimana kita boleh menyediakan diri bagi menghadapi situasi yang genting," katanya.
KOTA BHARU - Hampir 53 peratus rakyat Malaysia berdepan tekanan menguruskan kewangan terutama dalam tempoh Perintah Kawalan Pergerakan (PKP) ini.
Ketua Agensi Kaunseling dan Pengurusan Kredit (AKPK) Cawangan Kelantan, Mohd Rizauddin Noor berkata, peratusan tersebut diperoleh daripada tinjauan khas Jabatan Statistik Malaysia membabitkan kesan selepas Covid-19 ke atas ekonomi dan individu di Malaysia.
Tinjauan juga katanya, sebanyak 71 peratus rakyat yang bekerja sendiri menyatakan simpanan kewangan yang mereka ada cukup untuk satu bulan sahaja.
"Bagaimanapun, kami menasihatkan supaya tidak panik kerana inilah masa terbaik untuk merancang pelan belanjawan yang sistematik sendirian atau bersama pasangan," katanya kepada Sinar Harian di sini hari ini.
Menurutnya, masyarakat disaran memastikan setiap perbelanjaan dirancang mengikut kemampuan aliran tunai semasa isi rumah dan perlu mengelakkan pembaziran.
Mohd Rizauddin memberitahu, orang ramai perlu menangguhkan kehendak ketika berdepan dengan krisis kewangan.
"Banyak lagi yang boleh lakukan untuk merancang kewangan dengan lebih baik. Mereka boleh melayari modul pembelajaran dalam talian iaitu Mengharungi Cabaran di power.akpk.org.my.
"Ikuti pembelajaran atas talian ini untuk melihat bagaimana kita boleh menyediakan diri bagi menghadapi situasi yang genting," katanya.
Apr 30, 2020 | SinarHarianOnline
KOTA BHARU - Hampir 53 peratus rakyat Malaysia berdepan tekanan menguruskan kewangan terutama dalam tempoh Perintah Kawalan Pergerakan (PKP) ini.
Ketua Agensi Kaunseling dan Pengurusan Kredit (AKPK) Cawangan Kelantan, Mohd Rizauddin Noor berkata, peratusan tersebut diperoleh daripada tinjauan khas Jabatan Statistik Malaysia membabitkan kesan selepas Covid-19 ke atas ekonomi dan individu di Malaysia.
Tinjauan juga katanya, sebanyak 71 peratus rakyat yang bekerja sendiri menyatakan simpanan kewangan yang mereka ada cukup untuk satu bulan sahaja.
"Bagaimanapun, kami menasihatkan supaya tidak panik kerana inilah masa terbaik untuk merancang pelan belanjawan yang sistematik sendirian atau bersama pasangan," katanya kepada Sinar Harian di sini hari ini.
Menurutnya, masyarakat disaran memastikan setiap perbelanjaan dirancang mengikut kemampuan aliran tunai semasa isi rumah dan perlu mengelakkan pembaziran.
Mohd Rizauddin memberitahu, orang ramai perlu menangguhkan kehendak ketika berdepan dengan krisis kewangan.
"Banyak lagi yang boleh lakukan untuk merancang kewangan dengan lebih baik. Mereka boleh melayari modul pembelajaran dalam talian iaitu Mengharungi Cabaran di power.akpk.org.my.
"Ikuti pembelajaran atas talian ini untuk melihat bagaimana kita boleh menyediakan diri bagi menghadapi situasi yang genting," katanya.
AGENSI Kaunseling dan Pengurusan Kredit (AKPK) menyediakan kaunseling kewangan dan nasihat kepada Perusahaan Kecil dan Sederhana (PKS) yang terjejas teruk akibat pandemik Covid-19.
Ketua AKPK Melaka Syaiful Anuar Bokhari berkata, ia dilaksanakan menerusi Program Pengurusan Kredit (PPK) yang bertujuan memperlengkapkan individu untuk mengurus kewangan dengan bijak dan berbelanja mengikut kemampuan.
Menurutnya, berdasarkan statistik PPK akhir Februari 2020 lalu, 12.3 peratus pelanggan melaporkan hutang mereka perlu distruktur semula kerana kegagalan atau kerugian dalam perniagaan, dan 8.8 peratus hilang pekerjaan atau diberhentikan.
Beliau berkata, kebanyakan pelanggan atau 70.5 peratus berpendapatan kurang daripada RM4,000 sebulan, manakala 15.3 peratus antara RM4,000 hingga RM8,000 sebulan, dan 14.2 peratus lebih RM8,000 sebulan.
“Justeru, AKPK berusaha membantu pemilik perniagaan dan pekerja PKS membuat pemeriksaan menyeluruh ke atas kedudukan aliran tunai individu bagi membantu mengawal perbelanjaan dan mengurus hutang.
“Semasa sesi kaunseling, pilihan akan diberikan antaranya mengesyorkan perubahan gaya hidup dengan mengurangkan perbelanjaan tertentu (seperti hiburan) yang tidak perlu.
“Dalam kes yang serius, kita mengesyorkan penjualan aset bagi mengadakan aliran wang tambahan untuk menghadapi waktu sukar.
“Malah, AKPK memanfaatkan rakan strategiknya, termasuk organisasi kerajaan dan bukan kerajaan, untuk menyediakan khidmat kaunseling di tempat kerja, termasuk bekerjasama dengan Jabatan Tenaga Kerja Semenanjung Malaysia (JTKSM) dan JobsMalaysia bagi mengenal pasti peluang pekerjaan baharu untuk pekerja yang diberhentikan kerja,” katanya hari ini.
Beliau berkata, peminjam yang layak juga didaftarkan dalam program khusus PPK sekali gus menjadual dan menstrukturkan semula pelbagai jenis pinjaman seperti perumahan, sewa beli dan peribadi serta baki kad kredit atau caj yang tertunggak.
Pada masa sama, katanya, mereka turut membantu individu secara proaktif supaya dapat mengawal kedudukan kewangan sekali gus memberi ketenangan fikiran dan mengelak tekanan.
Syaiful berkata, berdasarkan statistik majoriti (69.9 peratus) daripada mereka yang meminta bantuan untuk menstabilkan semula kewangan berumur antara 30 hingga 50 tahun, selebihnya di bawah usia 30 tahun (13.7 peratus) dan melebihi 50 tahun (16.4 peratus).
“Daripada kira-kira 315,000 individu yang mendaftar dalam PPK, 36.8 peratus daripada mereka mengakui mereka menghadapi masalah disebabkan perancangan kewangan yang lemah.
“Fakta ini menunjukkan betapa pentingnya pendidikan kewangan yang di harap dapat mewujudkan sektor isi rumah yang lebih berdaya tahan serta sistem perbankan yang mantap,” katanya.
AGENSI Kaunseling dan Pengurusan Kredit (AKPK) menyediakan kaunseling kewangan dan nasihat kepada Perusahaan Kecil dan Sederhana (PKS) yang terjejas teruk akibat pandemik Covid-19.
Ketua AKPK Melaka Syaiful Anuar Bokhari berkata, ia dilaksanakan menerusi Program Pengurusan Kredit (PPK) yang bertujuan memperlengkapkan individu untuk mengurus kewangan dengan bijak dan berbelanja mengikut kemampuan.
Menurutnya, berdasarkan statistik PPK akhir Februari 2020 lalu, 12.3 peratus pelanggan melaporkan hutang mereka perlu distruktur semula kerana kegagalan atau kerugian dalam perniagaan, dan 8.8 peratus hilang pekerjaan atau diberhentikan.
Beliau berkata, kebanyakan pelanggan atau 70.5 peratus berpendapatan kurang daripada RM4,000 sebulan, manakala 15.3 peratus antara RM4,000 hingga RM8,000 sebulan, dan 14.2 peratus lebih RM8,000 sebulan.
“Justeru, AKPK berusaha membantu pemilik perniagaan dan pekerja PKS membuat pemeriksaan menyeluruh ke atas kedudukan aliran tunai individu bagi membantu mengawal perbelanjaan dan mengurus hutang.
“Semasa sesi kaunseling, pilihan akan diberikan antaranya mengesyorkan perubahan gaya hidup dengan mengurangkan perbelanjaan tertentu (seperti hiburan) yang tidak perlu.
“Dalam kes yang serius, kita mengesyorkan penjualan aset bagi mengadakan aliran wang tambahan untuk menghadapi waktu sukar.
“Malah, AKPK memanfaatkan rakan strategiknya, termasuk organisasi kerajaan dan bukan kerajaan, untuk menyediakan khidmat kaunseling di tempat kerja, termasuk bekerjasama dengan Jabatan Tenaga Kerja Semenanjung Malaysia (JTKSM) dan JobsMalaysia bagi mengenal pasti peluang pekerjaan baharu untuk pekerja yang diberhentikan kerja,” katanya hari ini.
Beliau berkata, peminjam yang layak juga didaftarkan dalam program khusus PPK sekali gus menjadual dan menstrukturkan semula pelbagai jenis pinjaman seperti perumahan, sewa beli dan peribadi serta baki kad kredit atau caj yang tertunggak.
Pada masa sama, katanya, mereka turut membantu individu secara proaktif supaya dapat mengawal kedudukan kewangan sekali gus memberi ketenangan fikiran dan mengelak tekanan.
Syaiful berkata, berdasarkan statistik majoriti (69.9 peratus) daripada mereka yang meminta bantuan untuk menstabilkan semula kewangan berumur antara 30 hingga 50 tahun, selebihnya di bawah usia 30 tahun (13.7 peratus) dan melebihi 50 tahun (16.4 peratus).
“Daripada kira-kira 315,000 individu yang mendaftar dalam PPK, 36.8 peratus daripada mereka mengakui mereka menghadapi masalah disebabkan perancangan kewangan yang lemah.
“Fakta ini menunjukkan betapa pentingnya pendidikan kewangan yang di harap dapat mewujudkan sektor isi rumah yang lebih berdaya tahan serta sistem perbankan yang mantap,” katanya.
Apr 18, 2020 | HarianMetroOnline
AGENSI Kaunseling dan Pengurusan Kredit (AKPK) menyediakan kaunseling kewangan dan nasihat kepada Perusahaan Kecil dan Sederhana (PKS) yang terjejas teruk akibat pandemik Covid-19.
Ketua AKPK Melaka Syaiful Anuar Bokhari berkata, ia dilaksanakan menerusi Program Pengurusan Kredit (PPK) yang bertujuan memperlengkapkan individu untuk mengurus kewangan dengan bijak dan berbelanja mengikut kemampuan.
Menurutnya, berdasarkan statistik PPK akhir Februari 2020 lalu, 12.3 peratus pelanggan melaporkan hutang mereka perlu distruktur semula kerana kegagalan atau kerugian dalam perniagaan, dan 8.8 peratus hilang pekerjaan atau diberhentikan.
Beliau berkata, kebanyakan pelanggan atau 70.5 peratus berpendapatan kurang daripada RM4,000 sebulan, manakala 15.3 peratus antara RM4,000 hingga RM8,000 sebulan, dan 14.2 peratus lebih RM8,000 sebulan.
“Justeru, AKPK berusaha membantu pemilik perniagaan dan pekerja PKS membuat pemeriksaan menyeluruh ke atas kedudukan aliran tunai individu bagi membantu mengawal perbelanjaan dan mengurus hutang.
“Semasa sesi kaunseling, pilihan akan diberikan antaranya mengesyorkan perubahan gaya hidup dengan mengurangkan perbelanjaan tertentu (seperti hiburan) yang tidak perlu.
“Dalam kes yang serius, kita mengesyorkan penjualan aset bagi mengadakan aliran wang tambahan untuk menghadapi waktu sukar.
“Malah, AKPK memanfaatkan rakan strategiknya, termasuk organisasi kerajaan dan bukan kerajaan, untuk menyediakan khidmat kaunseling di tempat kerja, termasuk bekerjasama dengan Jabatan Tenaga Kerja Semenanjung Malaysia (JTKSM) dan JobsMalaysia bagi mengenal pasti peluang pekerjaan baharu untuk pekerja yang diberhentikan kerja,” katanya hari ini.
Beliau berkata, peminjam yang layak juga didaftarkan dalam program khusus PPK sekali gus menjadual dan menstrukturkan semula pelbagai jenis pinjaman seperti perumahan, sewa beli dan peribadi serta baki kad kredit atau caj yang tertunggak.
Pada masa sama, katanya, mereka turut membantu individu secara proaktif supaya dapat mengawal kedudukan kewangan sekali gus memberi ketenangan fikiran dan mengelak tekanan.
Syaiful berkata, berdasarkan statistik majoriti (69.9 peratus) daripada mereka yang meminta bantuan untuk menstabilkan semula kewangan berumur antara 30 hingga 50 tahun, selebihnya di bawah usia 30 tahun (13.7 peratus) dan melebihi 50 tahun (16.4 peratus).
“Daripada kira-kira 315,000 individu yang mendaftar dalam PPK, 36.8 peratus daripada mereka mengakui mereka menghadapi masalah disebabkan perancangan kewangan yang lemah.
“Fakta ini menunjukkan betapa pentingnya pendidikan kewangan yang di harap dapat mewujudkan sektor isi rumah yang lebih berdaya tahan serta sistem perbankan yang mantap,” katanya.
KUALA TERENGGANU – Agensi Kaunseling dan Pengurusan Kredit (AKPK) tidak pernah melantik sebarang ejen dalam memberi nasihat kewangan dan semua perkhidmatan ditawarkan agensi itu kepada individu adalah percuma.
Ketua Cawangan AKPK Kuala Terengganu, Junainah Ahmad Esa berkata, penangguhan bayaran bulanan hutang selama enam bulan sama ada oleh AKPK atau institusi kewangan juga adalah secara automatik dan tidak melibatkan mana-mana pihak ketiga.
“Justeru, jangan terpedaya dengan mana-mana pihak yang sentiasa mengambil kesempatan ke atas golongan yang alpa dan tidak berwaspada,” katanya kepada Sinar Harian di sini hari ini.
Menurutnya, walaupun 11 pejabat cawangan AKPK seluruh negara ditutup selaras dengan Perintah Kawalan Pergerakan (PKP), orang ramai yang ingin mendapatkan perkhidmatan agensi itu boleh mengisi borang Google di internet melalui capaian http://bit.ly/AKPKdmp2020 dan pegawai AKPK akan menghubungi pelanggan dalam masa terdekat.
Junainah berkata, AKPK telah meluluskan 1,242 permohonan penjadualan semula pinjaman di bawah Program Pengurusan Kredit AKPK (PPK) di seluruh negara sepanjang tempoh pelaksanaan PKP bermula 18 Mac 2020 sehingga 10 April 2020 lalu.
“Sebanyak 11,142 pertanyaan telah diajukan kepada AKPK melalui internet dan menerima 10,810 panggilan telefon sepanjang tempoh PKP dan majoriti soalan adalah berkaitan penangguhan bayaran bulanan,” katanya.
Sementara itu, beliau turut meminta orang ramai belanja secara berhemah sebagai persediaan menghadapi sebarang kemungkinan sepanjang tempoh krisis koronavirus (Covid-19) seperti pemotongan gaji, elaun atau perberhentian kerja.
Menurut Junainah, ketidakpastian tempoh sebenar PKP akan berakhir juga menjadi cabaran besar bagi mereka yang bekerja sendiri.
"Masyarakat dinasihatkan supaya menilai semula kedudukan kewangan terkini dan operasi perniagaan selain mengambil langkah segera untuk memastikan perniagaan berada di landasan lebih baik.
“Bagi penerima bantuan khas Covid-19 seperti skim Bantuan Prihatin Nasional (BPN), gunakanlah wang itu dengan cermat dan hanya membeli barangan keperluan asas sahaja seperti makanan, bayaran sewa rumah dan bil utiliti,” katanya.
KUALA TERENGGANU – Agensi Kaunseling dan Pengurusan Kredit (AKPK) tidak pernah melantik sebarang ejen dalam memberi nasihat kewangan dan semua perkhidmatan ditawarkan agensi itu kepada individu adalah percuma.
Ketua Cawangan AKPK Kuala Terengganu, Junainah Ahmad Esa berkata, penangguhan bayaran bulanan hutang selama enam bulan sama ada oleh AKPK atau institusi kewangan juga adalah secara automatik dan tidak melibatkan mana-mana pihak ketiga.
“Justeru, jangan terpedaya dengan mana-mana pihak yang sentiasa mengambil kesempatan ke atas golongan yang alpa dan tidak berwaspada,” katanya kepada Sinar Harian di sini hari ini.
Menurutnya, walaupun 11 pejabat cawangan AKPK seluruh negara ditutup selaras dengan Perintah Kawalan Pergerakan (PKP), orang ramai yang ingin mendapatkan perkhidmatan agensi itu boleh mengisi borang Google di internet melalui capaian http://bit.ly/AKPKdmp2020 dan pegawai AKPK akan menghubungi pelanggan dalam masa terdekat.
Junainah berkata, AKPK telah meluluskan 1,242 permohonan penjadualan semula pinjaman di bawah Program Pengurusan Kredit AKPK (PPK) di seluruh negara sepanjang tempoh pelaksanaan PKP bermula 18 Mac 2020 sehingga 10 April 2020 lalu.
“Sebanyak 11,142 pertanyaan telah diajukan kepada AKPK melalui internet dan menerima 10,810 panggilan telefon sepanjang tempoh PKP dan majoriti soalan adalah berkaitan penangguhan bayaran bulanan,” katanya.
Sementara itu, beliau turut meminta orang ramai belanja secara berhemah sebagai persediaan menghadapi sebarang kemungkinan sepanjang tempoh krisis koronavirus (Covid-19) seperti pemotongan gaji, elaun atau perberhentian kerja.
Menurut Junainah, ketidakpastian tempoh sebenar PKP akan berakhir juga menjadi cabaran besar bagi mereka yang bekerja sendiri.
"Masyarakat dinasihatkan supaya menilai semula kedudukan kewangan terkini dan operasi perniagaan selain mengambil langkah segera untuk memastikan perniagaan berada di landasan lebih baik.
“Bagi penerima bantuan khas Covid-19 seperti skim Bantuan Prihatin Nasional (BPN), gunakanlah wang itu dengan cermat dan hanya membeli barangan keperluan asas sahaja seperti makanan, bayaran sewa rumah dan bil utiliti,” katanya.
Apr 15, 2020 | SinarHarianOnline
KUALA TERENGGANU – Agensi Kaunseling dan Pengurusan Kredit (AKPK) tidak pernah melantik sebarang ejen dalam memberi nasihat kewangan dan semua perkhidmatan ditawarkan agensi itu kepada individu adalah percuma.
Ketua Cawangan AKPK Kuala Terengganu, Junainah Ahmad Esa berkata, penangguhan bayaran bulanan hutang selama enam bulan sama ada oleh AKPK atau institusi kewangan juga adalah secara automatik dan tidak melibatkan mana-mana pihak ketiga.
“Justeru, jangan terpedaya dengan mana-mana pihak yang sentiasa mengambil kesempatan ke atas golongan yang alpa dan tidak berwaspada,” katanya kepada Sinar Harian di sini hari ini.
Menurutnya, walaupun 11 pejabat cawangan AKPK seluruh negara ditutup selaras dengan Perintah Kawalan Pergerakan (PKP), orang ramai yang ingin mendapatkan perkhidmatan agensi itu boleh mengisi borang Google di internet melalui capaian http://bit.ly/AKPKdmp2020 dan pegawai AKPK akan menghubungi pelanggan dalam masa terdekat.
Junainah berkata, AKPK telah meluluskan 1,242 permohonan penjadualan semula pinjaman di bawah Program Pengurusan Kredit AKPK (PPK) di seluruh negara sepanjang tempoh pelaksanaan PKP bermula 18 Mac 2020 sehingga 10 April 2020 lalu.
“Sebanyak 11,142 pertanyaan telah diajukan kepada AKPK melalui internet dan menerima 10,810 panggilan telefon sepanjang tempoh PKP dan majoriti soalan adalah berkaitan penangguhan bayaran bulanan,” katanya.
Sementara itu, beliau turut meminta orang ramai belanja secara berhemah sebagai persediaan menghadapi sebarang kemungkinan sepanjang tempoh krisis koronavirus (Covid-19) seperti pemotongan gaji, elaun atau perberhentian kerja.
Menurut Junainah, ketidakpastian tempoh sebenar PKP akan berakhir juga menjadi cabaran besar bagi mereka yang bekerja sendiri.
"Masyarakat dinasihatkan supaya menilai semula kedudukan kewangan terkini dan operasi perniagaan selain mengambil langkah segera untuk memastikan perniagaan berada di landasan lebih baik.
“Bagi penerima bantuan khas Covid-19 seperti skim Bantuan Prihatin Nasional (BPN), gunakanlah wang itu dengan cermat dan hanya membeli barangan keperluan asas sahaja seperti makanan, bayaran sewa rumah dan bil utiliti,” katanya.
AGENSI Kaunseling dan Pengurusan Kredit (AKPK) bakal memberi penangguhan pembayaran kepada semua peserta Program Pengurusan Kredit (PPK).
Ketua AKPK Melaka, Syaiful Anuar Bokhari berkata, moratorium terbabit dilaksana secara automatik dan peserta tidak perlu memohon dengan syarat PPK masih aktif dan bukannya sudah ditamatkan.
Beliau berkata, sekiranya tertunggak dan tidak melebihi 90 hari, peserta layak mendapatkan moratorium untuk semua jenis pinjaman dalam PPK iaitu pinjaman perumahan, peribadi, kenderaan, mikro, PTPTN, TEKUN serta pinjaman kad kredit yang dibayar terus kepada AKPK.
“Ia akan ditangguhkan bagi kemudahan potongan melalui Angkasa. Pembayaran melalui potongan gaji turut layak, tetapi perlu memaklumkan kepada majikan masing-masing.
“Tempoh penangguhan bermula 1 April sehingga 30 September, sekali gus bermakna pembayaran bagi Mac 2020 perlu dijelaskan dan pembayaran bermula seperti biasa pada Oktober 2020,” katanya.
Beliau berkata, walaupun ditangguhkan untuk enam bulan, pihak bank bersetuju untuk tidak mengenakan caj kompaun atau denda lewat bayar .
Menurutnya, bagi pinjaman konvensional, faedah tetap akan dikenakan atas baki pinjaman semasa tempoh moratorium.
Pelanggan boleh mendapatkan khidmat AKPK dengan mengisi google form di pautan http://bit.ly/AKPKdmp2020 atau https://www.surveymonkey.com/r/98PKDP6 atau layari laman web AKPK di www.akpk.org.my.
AGENSI Kaunseling dan Pengurusan Kredit (AKPK) bakal memberi penangguhan pembayaran kepada semua peserta Program Pengurusan Kredit (PPK).
Ketua AKPK Melaka, Syaiful Anuar Bokhari berkata, moratorium terbabit dilaksana secara automatik dan peserta tidak perlu memohon dengan syarat PPK masih aktif dan bukannya sudah ditamatkan.
Beliau berkata, sekiranya tertunggak dan tidak melebihi 90 hari, peserta layak mendapatkan moratorium untuk semua jenis pinjaman dalam PPK iaitu pinjaman perumahan, peribadi, kenderaan, mikro, PTPTN, TEKUN serta pinjaman kad kredit yang dibayar terus kepada AKPK.
“Ia akan ditangguhkan bagi kemudahan potongan melalui Angkasa. Pembayaran melalui potongan gaji turut layak, tetapi perlu memaklumkan kepada majikan masing-masing.
“Tempoh penangguhan bermula 1 April sehingga 30 September, sekali gus bermakna pembayaran bagi Mac 2020 perlu dijelaskan dan pembayaran bermula seperti biasa pada Oktober 2020,” katanya.
Beliau berkata, walaupun ditangguhkan untuk enam bulan, pihak bank bersetuju untuk tidak mengenakan caj kompaun atau denda lewat bayar .
Menurutnya, bagi pinjaman konvensional, faedah tetap akan dikenakan atas baki pinjaman semasa tempoh moratorium.
Pelanggan boleh mendapatkan khidmat AKPK dengan mengisi google form di pautan http://bit.ly/AKPKdmp2020 atau https://www.surveymonkey.com/r/98PKDP6 atau layari laman web AKPK di www.akpk.org.my.
Apr 10, 2020 | HarianMetroOnline
AGENSI Kaunseling dan Pengurusan Kredit (AKPK) bakal memberi penangguhan pembayaran kepada semua peserta Program Pengurusan Kredit (PPK).
Ketua AKPK Melaka, Syaiful Anuar Bokhari berkata, moratorium terbabit dilaksana secara automatik dan peserta tidak perlu memohon dengan syarat PPK masih aktif dan bukannya sudah ditamatkan.
Beliau berkata, sekiranya tertunggak dan tidak melebihi 90 hari, peserta layak mendapatkan moratorium untuk semua jenis pinjaman dalam PPK iaitu pinjaman perumahan, peribadi, kenderaan, mikro, PTPTN, TEKUN serta pinjaman kad kredit yang dibayar terus kepada AKPK.
“Ia akan ditangguhkan bagi kemudahan potongan melalui Angkasa. Pembayaran melalui potongan gaji turut layak, tetapi perlu memaklumkan kepada majikan masing-masing.
“Tempoh penangguhan bermula 1 April sehingga 30 September, sekali gus bermakna pembayaran bagi Mac 2020 perlu dijelaskan dan pembayaran bermula seperti biasa pada Oktober 2020,” katanya.
Beliau berkata, walaupun ditangguhkan untuk enam bulan, pihak bank bersetuju untuk tidak mengenakan caj kompaun atau denda lewat bayar .
Menurutnya, bagi pinjaman konvensional, faedah tetap akan dikenakan atas baki pinjaman semasa tempoh moratorium.
Pelanggan boleh mendapatkan khidmat AKPK dengan mengisi google form di pautan http://bit.ly/AKPKdmp2020 atau https://www.surveymonkey.com/r/98PKDP6 atau layari laman web AKPK di www.akpk.org.my.
KUALA LUMPUR: Agensi Kaunseling dan Pengurusan Kredit (AKPK) memberi penangguhan pembayaran kepada semua pelanggan Program Pengurusan Kredit (PPK) selama enam bulan bermula April ini.
Jabatan Komunikasi Korporat AKPK, berkata penangguhan yang selaras dengan pengumuman Bank Negara Malaysia (BNM) membolehkan pelanggan PPK menangguhkan bayaran sehingga September 2020.
“Pemberian penangguhan pembayaran ini adalah automatik dan pelanggan tidak perlu membuat sebarang permohonan.
“Bagaimanapun pelanggan turut digalakkan untuk membuat pembayaran PPK seperti biasa sekiranya ingin berbuat demikian.
“Sebarang pembayaran PPK yang diterima akan disalurkan kepada institusi kewangan berkaitan,” katanya.
Untuk sebarang pertanyaan boleh mengisi borang atas talian menerusi pautan http://bit.ly/AKPKdmp2020.
KUALA LUMPUR: Agensi Kaunseling dan Pengurusan Kredit (AKPK) memberi penangguhan pembayaran kepada semua pelanggan Program Pengurusan Kredit (PPK) selama enam bulan bermula April ini.
Jabatan Komunikasi Korporat AKPK, berkata penangguhan yang selaras dengan pengumuman Bank Negara Malaysia (BNM) membolehkan pelanggan PPK menangguhkan bayaran sehingga September 2020.
“Pemberian penangguhan pembayaran ini adalah automatik dan pelanggan tidak perlu membuat sebarang permohonan.
“Bagaimanapun pelanggan turut digalakkan untuk membuat pembayaran PPK seperti biasa sekiranya ingin berbuat demikian.
“Sebarang pembayaran PPK yang diterima akan disalurkan kepada institusi kewangan berkaitan,” katanya.
Untuk sebarang pertanyaan boleh mengisi borang atas talian menerusi pautan http://bit.ly/AKPKdmp2020.
Mar 26, 2020 | BHOnline
KUALA LUMPUR: Agensi Kaunseling dan Pengurusan Kredit (AKPK) memberi penangguhan pembayaran kepada semua pelanggan Program Pengurusan Kredit (PPK) selama enam bulan bermula April ini.
Jabatan Komunikasi Korporat AKPK, berkata penangguhan yang selaras dengan pengumuman Bank Negara Malaysia (BNM) membolehkan pelanggan PPK menangguhkan bayaran sehingga September 2020.
“Pemberian penangguhan pembayaran ini adalah automatik dan pelanggan tidak perlu membuat sebarang permohonan.
“Bagaimanapun pelanggan turut digalakkan untuk membuat pembayaran PPK seperti biasa sekiranya ingin berbuat demikian.
“Sebarang pembayaran PPK yang diterima akan disalurkan kepada institusi kewangan berkaitan,” katanya.
Untuk sebarang pertanyaan boleh mengisi borang atas talian menerusi pautan http://bit.ly/AKPKdmp2020.
SHAH ALAM - Agensi Kaunseling dan Pengurusan Kredit (AKPK) melantik dua ahli lembaga pengarah baharu iaitu Datuk Dr Amirudin Abdul Wahab dan K Kanaga Shanta Kumar.
AKPK dalam satu kenyataan hari ini berkata, pelantikan itu menjadikan jumlah terkini ahli lembaga pengarahnya seramai tujuh orang.
Menurutnya, Amirudin ialah Ketua Pegawai Eksekutif CyberSecurity Malaysia dan juga ahli lembaga pengarah syarikat tersebut dan TPM IT Sdn Bhd, manakala Kanaga Shanta Kumar ialah rakan kongsi bersama Tetuan Lee Hishamuddin Allen & Gledhill.
"Amirudin mempunyai ijazah kedoktoran dalam Polisi dan Pengurusan Strategik ICT Negara dari University of Queensland dan pernah memegang jawatan pengarah dalam empat organisasi termasuk Perbadanan Ekonomi Digital Malaysia (MDEC) dan Pusat Maklumat Rangkaian Malaysia (MYNIC) serta seorang ahli lembaga pengarah eksekutif Digital Perak Corporation Holdings.
"Kanaga Shanta Kumar pula berkelulusan barrister-at-law dari Middle Temple, London dan pernah menjadi ahli majlis dan jawatankuasa persatuan dan institusi terkenal seperti Persatuan Pengamal Insolvensi Malaysia, Kumpulan Kerja Amalan Insolvensi Institut Akauntan Awam Bertauliah Malaysia serta Institut Akauntan Malaysia, dan Jawatankuasa Kecil Amalan Insolvensi Suruhanjaya Syarikat Malaysia," katanya.
Menurutnya, dengan pelantikan baharu itu, AKPK yang merupakan anak syarikat milik penuh Bank Negara Malaysia pastinya akan lebih ke depan untuk meningkatkan lagi literasi kewangan semua rakyat Malaysia menerusi program pendidikan kewangan, kaunseling kewangan dan Program Pengurusan Hutang.
SHAH ALAM - Agensi Kaunseling dan Pengurusan Kredit (AKPK) melantik dua ahli lembaga pengarah baharu iaitu Datuk Dr Amirudin Abdul Wahab dan K Kanaga Shanta Kumar.
AKPK dalam satu kenyataan hari ini berkata, pelantikan itu menjadikan jumlah terkini ahli lembaga pengarahnya seramai tujuh orang.
Menurutnya, Amirudin ialah Ketua Pegawai Eksekutif CyberSecurity Malaysia dan juga ahli lembaga pengarah syarikat tersebut dan TPM IT Sdn Bhd, manakala Kanaga Shanta Kumar ialah rakan kongsi bersama Tetuan Lee Hishamuddin Allen & Gledhill.
"Amirudin mempunyai ijazah kedoktoran dalam Polisi dan Pengurusan Strategik ICT Negara dari University of Queensland dan pernah memegang jawatan pengarah dalam empat organisasi termasuk Perbadanan Ekonomi Digital Malaysia (MDEC) dan Pusat Maklumat Rangkaian Malaysia (MYNIC) serta seorang ahli lembaga pengarah eksekutif Digital Perak Corporation Holdings.
"Kanaga Shanta Kumar pula berkelulusan barrister-at-law dari Middle Temple, London dan pernah menjadi ahli majlis dan jawatankuasa persatuan dan institusi terkenal seperti Persatuan Pengamal Insolvensi Malaysia, Kumpulan Kerja Amalan Insolvensi Institut Akauntan Awam Bertauliah Malaysia serta Institut Akauntan Malaysia, dan Jawatankuasa Kecil Amalan Insolvensi Suruhanjaya Syarikat Malaysia," katanya.
Menurutnya, dengan pelantikan baharu itu, AKPK yang merupakan anak syarikat milik penuh Bank Negara Malaysia pastinya akan lebih ke depan untuk meningkatkan lagi literasi kewangan semua rakyat Malaysia menerusi program pendidikan kewangan, kaunseling kewangan dan Program Pengurusan Hutang.
Feb 20, 2020 | SinarHarian
SHAH ALAM - Agensi Kaunseling dan Pengurusan Kredit (AKPK) melantik dua ahli lembaga pengarah baharu iaitu Datuk Dr Amirudin Abdul Wahab dan K Kanaga Shanta Kumar.
AKPK dalam satu kenyataan hari ini berkata, pelantikan itu menjadikan jumlah terkini ahli lembaga pengarahnya seramai tujuh orang.
Menurutnya, Amirudin ialah Ketua Pegawai Eksekutif CyberSecurity Malaysia dan juga ahli lembaga pengarah syarikat tersebut dan TPM IT Sdn Bhd, manakala Kanaga Shanta Kumar ialah rakan kongsi bersama Tetuan Lee Hishamuddin Allen & Gledhill.
"Amirudin mempunyai ijazah kedoktoran dalam Polisi dan Pengurusan Strategik ICT Negara dari University of Queensland dan pernah memegang jawatan pengarah dalam empat organisasi termasuk Perbadanan Ekonomi Digital Malaysia (MDEC) dan Pusat Maklumat Rangkaian Malaysia (MYNIC) serta seorang ahli lembaga pengarah eksekutif Digital Perak Corporation Holdings.
"Kanaga Shanta Kumar pula berkelulusan barrister-at-law dari Middle Temple, London dan pernah menjadi ahli majlis dan jawatankuasa persatuan dan institusi terkenal seperti Persatuan Pengamal Insolvensi Malaysia, Kumpulan Kerja Amalan Insolvensi Institut Akauntan Awam Bertauliah Malaysia serta Institut Akauntan Malaysia, dan Jawatankuasa Kecil Amalan Insolvensi Suruhanjaya Syarikat Malaysia," katanya.
Menurutnya, dengan pelantikan baharu itu, AKPK yang merupakan anak syarikat milik penuh Bank Negara Malaysia pastinya akan lebih ke depan untuk meningkatkan lagi literasi kewangan semua rakyat Malaysia menerusi program pendidikan kewangan, kaunseling kewangan dan Program Pengurusan Hutang.
BAGI mengatasi masalah kemiskinan terutamanya kumpulan B40, kerajaan melancarkan Program Sinergi Sosial dan Sistem MySynergy, hari ini.
Timbalan Perdana Menteri Datuk Seri Dr Wan Azizah Wan Ismail berkata, objektif utama program itu adalah bagi meningkatkan pendapatan dan mengurangkan kadar kemiskinan di negara ini.
“Melalui sistem jaringan keselamatan sosial yang disediakan oleh berbagai kementerian, jabatan dan agensi dalam negara, Kerajaan akan memastikan rakyat khasnya daripada kumpulan B40 yang benar-benar memerlukan pertolongan tidak tercicir daripada senarai mendapat bantuan.
“Contohnya, individu yang tidak layak untuk menerima faedah PERKESO, akan dirujuk ke jabatan atau agensi lain yang boleh memberikan bantuan sekiranya memenuhi kriteria ditetapkan,” katanya ketika berucap di Kuala Lumpur, hari ini.
Turut hadir, Menteri Sumber Manusia M Kula Segaran.
Menurutnya, program itu juga bakal mewujudkan horizon baharu dalam kualiti sistem penyampaian perkhidmatan yang ditawarkan agensi penyedia manfaat keselamatan sosial di seluruh negara.
“Menerusinya juga, pertindihan penerimaan manfaat dapat dielakkan dan penyebaran manfaat dapat diagihkan hanya kepada yang benar-benar layak,” katanya.
Wan Azizah berkata, Program Sinergi Sosial dibina atas jaminan bahawa ia tidak akan menganggu akta, peraturan, dan dasar bagi agensi yang menyertainya.
“Sebaliknya, program ini secara tidak langsung boleh mengurangkan bebanan
tugas dan juga implikasi kehabisan dana beberapa agensi yang terbabit.
“Paling penting, program ini didaftarkan dan dilindungi di bawah Akta Perlindungan Data Peribadi (PDPA) selain
mendapat pengesahan hakcipta daripada Perbadanan Pengurusan Harta Intelek (MyiPO),” katanya.
Terdahulu, Kula dalam ucapannya berkata, program itu disertai oleh 17 rakan strategik PERKESO.
Antaranya adalah, Agensi Kaunseling & Pengurusan Kredit (AKPK), Malaysia Digital Economy Corporation (MDEC), Giat Mara, Amanah Ikhtiar Malaysia (AIM), Majlis Agama Islam Wilayah Persekutuan (MAIWP), Majlis Agama Islam Negeri Perak (MAIPk), Majlis Agama Islam Melaka (MAIM), Perbadanan Baitulmal Negeri Sembilan (PBNS), Jabatan Tenaga Kerja Semenanjung Malaysia (JTKSM), Tekun Nasional, Malaysian Freelancer Association (MAFA), Islamic Relief Malaysia (IRM), Mental Illnes Awereness & Support Association (MIASA), Persatuan Pengguna Islam Malaysia (PPIM), Pertubuhan Skuad Pengurusan Jenazah Malaysia (SPJM) dan Muslim Volunteer Malaysia (MVM).
BAGI mengatasi masalah kemiskinan terutamanya kumpulan B40, kerajaan melancarkan Program Sinergi Sosial dan Sistem MySynergy, hari ini.
Timbalan Perdana Menteri Datuk Seri Dr Wan Azizah Wan Ismail berkata, objektif utama program itu adalah bagi meningkatkan pendapatan dan mengurangkan kadar kemiskinan di negara ini.
“Melalui sistem jaringan keselamatan sosial yang disediakan oleh berbagai kementerian, jabatan dan agensi dalam negara, Kerajaan akan memastikan rakyat khasnya daripada kumpulan B40 yang benar-benar memerlukan pertolongan tidak tercicir daripada senarai mendapat bantuan.
“Contohnya, individu yang tidak layak untuk menerima faedah PERKESO, akan dirujuk ke jabatan atau agensi lain yang boleh memberikan bantuan sekiranya memenuhi kriteria ditetapkan,” katanya ketika berucap di Kuala Lumpur, hari ini.
Turut hadir, Menteri Sumber Manusia M Kula Segaran.
Menurutnya, program itu juga bakal mewujudkan horizon baharu dalam kualiti sistem penyampaian perkhidmatan yang ditawarkan agensi penyedia manfaat keselamatan sosial di seluruh negara.
“Menerusinya juga, pertindihan penerimaan manfaat dapat dielakkan dan penyebaran manfaat dapat diagihkan hanya kepada yang benar-benar layak,” katanya.
Wan Azizah berkata, Program Sinergi Sosial dibina atas jaminan bahawa ia tidak akan menganggu akta, peraturan, dan dasar bagi agensi yang menyertainya.
“Sebaliknya, program ini secara tidak langsung boleh mengurangkan bebanan
tugas dan juga implikasi kehabisan dana beberapa agensi yang terbabit.
“Paling penting, program ini didaftarkan dan dilindungi di bawah Akta Perlindungan Data Peribadi (PDPA) selain
mendapat pengesahan hakcipta daripada Perbadanan Pengurusan Harta Intelek (MyiPO),” katanya.
Terdahulu, Kula dalam ucapannya berkata, program itu disertai oleh 17 rakan strategik PERKESO.
Antaranya adalah, Agensi Kaunseling & Pengurusan Kredit (AKPK), Malaysia Digital Economy Corporation (MDEC), Giat Mara, Amanah Ikhtiar Malaysia (AIM), Majlis Agama Islam Wilayah Persekutuan (MAIWP), Majlis Agama Islam Negeri Perak (MAIPk), Majlis Agama Islam Melaka (MAIM), Perbadanan Baitulmal Negeri Sembilan (PBNS), Jabatan Tenaga Kerja Semenanjung Malaysia (JTKSM), Tekun Nasional, Malaysian Freelancer Association (MAFA), Islamic Relief Malaysia (IRM), Mental Illnes Awereness & Support Association (MIASA), Persatuan Pengguna Islam Malaysia (PPIM), Pertubuhan Skuad Pengurusan Jenazah Malaysia (SPJM) dan Muslim Volunteer Malaysia (MVM).
Nov 13, 2019 | HarianMetroOnline
BAGI mengatasi masalah kemiskinan terutamanya kumpulan B40, kerajaan melancarkan Program Sinergi Sosial dan Sistem MySynergy, hari ini.
Timbalan Perdana Menteri Datuk Seri Dr Wan Azizah Wan Ismail berkata, objektif utama program itu adalah bagi meningkatkan pendapatan dan mengurangkan kadar kemiskinan di negara ini.
“Melalui sistem jaringan keselamatan sosial yang disediakan oleh berbagai kementerian, jabatan dan agensi dalam negara, Kerajaan akan memastikan rakyat khasnya daripada kumpulan B40 yang benar-benar memerlukan pertolongan tidak tercicir daripada senarai mendapat bantuan.
“Contohnya, individu yang tidak layak untuk menerima faedah PERKESO, akan dirujuk ke jabatan atau agensi lain yang boleh memberikan bantuan sekiranya memenuhi kriteria ditetapkan,” katanya ketika berucap di Kuala Lumpur, hari ini.
Turut hadir, Menteri Sumber Manusia M Kula Segaran.
Menurutnya, program itu juga bakal mewujudkan horizon baharu dalam kualiti sistem penyampaian perkhidmatan yang ditawarkan agensi penyedia manfaat keselamatan sosial di seluruh negara.
“Menerusinya juga, pertindihan penerimaan manfaat dapat dielakkan dan penyebaran manfaat dapat diagihkan hanya kepada yang benar-benar layak,” katanya.
Wan Azizah berkata, Program Sinergi Sosial dibina atas jaminan bahawa ia tidak akan menganggu akta, peraturan, dan dasar bagi agensi yang menyertainya.
“Sebaliknya, program ini secara tidak langsung boleh mengurangkan bebanan
tugas dan juga implikasi kehabisan dana beberapa agensi yang terbabit.
“Paling penting, program ini didaftarkan dan dilindungi di bawah Akta Perlindungan Data Peribadi (PDPA) selain
mendapat pengesahan hakcipta daripada Perbadanan Pengurusan Harta Intelek (MyiPO),” katanya.
Terdahulu, Kula dalam ucapannya berkata, program itu disertai oleh 17 rakan strategik PERKESO.
Antaranya adalah, Agensi Kaunseling & Pengurusan Kredit (AKPK), Malaysia Digital Economy Corporation (MDEC), Giat Mara, Amanah Ikhtiar Malaysia (AIM), Majlis Agama Islam Wilayah Persekutuan (MAIWP), Majlis Agama Islam Negeri Perak (MAIPk), Majlis Agama Islam Melaka (MAIM), Perbadanan Baitulmal Negeri Sembilan (PBNS), Jabatan Tenaga Kerja Semenanjung Malaysia (JTKSM), Tekun Nasional, Malaysian Freelancer Association (MAFA), Islamic Relief Malaysia (IRM), Mental Illnes Awereness & Support Association (MIASA), Persatuan Pengguna Islam Malaysia (PPIM), Pertubuhan Skuad Pengurusan Jenazah Malaysia (SPJM) dan Muslim Volunteer Malaysia (MVM).
KUALA LUMPUR, Oct 17 — Malaysia registered 80,625 bankruptcies between 2015 and August 2019, Minister in the Prime Minister’s Department Datuk Liew Vui Keong told Parliament today.
Replying to Puncak Borneo MP (PH) Willie Mongin, Liew asserted that youths who are influenced by the latest trends made up the most cases as they typically overspend.
By age, the 35- to 44-year-old category accounted for the most with 28,296 cases, followed by 25- to 34-year-old band (20,461), 45- to 54-year-old (20,353), 55 and above (10,415), police and military personnel of undisclosed age (624); and those below 25 (476).
Men outnumbered women more than twice, with 56,173 versus the latter’s 24,452.
By race, Malays accounted for the majority of cases, with 45,147 or 56 per cent. They were followed by the Chinese at 20,914; Indians at 9,127; and others at 5,437.
The total number of bankrupts registered with the Insolvency Department was 300,908 at the time. Around 30,000 cases have been resolved.
To address the problem, Liew said the government is conducting education and awareness programmes through the Insolvency Department as well as Bank Negara’s Credit Counselling and Management Agency (AKPK).
“Through education, we can give awareness on bankruptcy to youths and students at higher education institutions to address this problem at the earliest stage. These programmes are meant to disseminate information, briefings and lectures on bankruptcy,” said Liew.
Touching on guarantors being dragged into bankruptcy by borrowers, Liew explained that the courts have to be fair to the banks and that it was difficult to prove that someone is a social guarantor.
KUALA LUMPUR, Oct 17 — Malaysia registered 80,625 bankruptcies between 2015 and August 2019, Minister in the Prime Minister’s Department Datuk Liew Vui Keong told Parliament today.
Replying to Puncak Borneo MP (PH) Willie Mongin, Liew asserted that youths who are influenced by the latest trends made up the most cases as they typically overspend.
By age, the 35- to 44-year-old category accounted for the most with 28,296 cases, followed by 25- to 34-year-old band (20,461), 45- to 54-year-old (20,353), 55 and above (10,415), police and military personnel of undisclosed age (624); and those below 25 (476).
Men outnumbered women more than twice, with 56,173 versus the latter’s 24,452.
By race, Malays accounted for the majority of cases, with 45,147 or 56 per cent. They were followed by the Chinese at 20,914; Indians at 9,127; and others at 5,437.
The total number of bankrupts registered with the Insolvency Department was 300,908 at the time. Around 30,000 cases have been resolved.
To address the problem, Liew said the government is conducting education and awareness programmes through the Insolvency Department as well as Bank Negara’s Credit Counselling and Management Agency (AKPK).
“Through education, we can give awareness on bankruptcy to youths and students at higher education institutions to address this problem at the earliest stage. These programmes are meant to disseminate information, briefings and lectures on bankruptcy,” said Liew.
Touching on guarantors being dragged into bankruptcy by borrowers, Liew explained that the courts have to be fair to the banks and that it was difficult to prove that someone is a social guarantor.
Oct 17, 2019 | financialmanagement
KUALA LUMPUR, Oct 17 — Malaysia registered 80,625 bankruptcies between 2015 and August 2019, Minister in the Prime Minister’s Department Datuk Liew Vui Keong told Parliament today.
Replying to Puncak Borneo MP (PH) Willie Mongin, Liew asserted that youths who are influenced by the latest trends made up the most cases as they typically overspend.
By age, the 35- to 44-year-old category accounted for the most with 28,296 cases, followed by 25- to 34-year-old band (20,461), 45- to 54-year-old (20,353), 55 and above (10,415), police and military personnel of undisclosed age (624); and those below 25 (476).
Men outnumbered women more than twice, with 56,173 versus the latter’s 24,452.
By race, Malays accounted for the majority of cases, with 45,147 or 56 per cent. They were followed by the Chinese at 20,914; Indians at 9,127; and others at 5,437.
The total number of bankrupts registered with the Insolvency Department was 300,908 at the time. Around 30,000 cases have been resolved.
To address the problem, Liew said the government is conducting education and awareness programmes through the Insolvency Department as well as Bank Negara’s Credit Counselling and Management Agency (AKPK).
“Through education, we can give awareness on bankruptcy to youths and students at higher education institutions to address this problem at the earliest stage. These programmes are meant to disseminate information, briefings and lectures on bankruptcy,” said Liew.
Touching on guarantors being dragged into bankruptcy by borrowers, Liew explained that the courts have to be fair to the banks and that it was difficult to prove that someone is a social guarantor.
SANDAKAN, Oct 14 -- Bank Negara Malaysia's (BNM) Financial Carnival over the weekend here has attracted nearly 10,000 visitors.
Its assistant governor, Abu Hassan Alshari Yahaya said the overwhelming response from the community indicates that the carnival was relevant in improving financial literacy among the people of Sabah.
Hence, the central bank plans to organise the carnival here again, he said in a statement today.
"The carnival complements the ongoing efforts by BNM and Credit Counselling and Debt Management Agency in promoting financial literacy among the people throughout the country.
"In line with the National Financial Literacy Strategy 2019-2023, the Financial Carnival is one of the initiatives carried out by BNM to increase public’s access to financial knowledge, products and services, as well as educate them on the importance of prudent financial management,” he said.
Launched by Sabah State Secretary Datuk Hashim Paijan, the two-day carnival recorded more than 1,400 financial transactions amounting to about RM18.5 million.
The inaugural carnival in Sabah's east coast attracted not only the residents of Sandakan, but also those from nearby districts such as Beluran, Kinabatangan and Tongod.
Themed "Your Financial Needs Matters", the carnival aimed at raising the public’s awareness on financial products and services, financial literacy and financial management capabilities with an emphasis on preferences of the local communities.
More than 35 organisations, consisting of financial service providers, as well as federal and state agencies showcased their products and services, as well as provide advisory on financial matters, including access to financing.
Several companies in collaboration with the Sabah Labour Department conducted open interview sessions for more than 350 vacancies.
Forums and interactive financial education sessions were also held, while the Royal Malaysian Police, Eastern Sabah Security Command and Royal Malaysian Navy provided briefing sessions on public security in Sandakan.
-- BERNAMA
SANDAKAN, Oct 14 -- Bank Negara Malaysia's (BNM) Financial Carnival over the weekend here has attracted nearly 10,000 visitors.
Its assistant governor, Abu Hassan Alshari Yahaya said the overwhelming response from the community indicates that the carnival was relevant in improving financial literacy among the people of Sabah.
Hence, the central bank plans to organise the carnival here again, he said in a statement today.
"The carnival complements the ongoing efforts by BNM and Credit Counselling and Debt Management Agency in promoting financial literacy among the people throughout the country.
"In line with the National Financial Literacy Strategy 2019-2023, the Financial Carnival is one of the initiatives carried out by BNM to increase public’s access to financial knowledge, products and services, as well as educate them on the importance of prudent financial management,” he said.
Launched by Sabah State Secretary Datuk Hashim Paijan, the two-day carnival recorded more than 1,400 financial transactions amounting to about RM18.5 million.
The inaugural carnival in Sabah's east coast attracted not only the residents of Sandakan, but also those from nearby districts such as Beluran, Kinabatangan and Tongod.
Themed "Your Financial Needs Matters", the carnival aimed at raising the public’s awareness on financial products and services, financial literacy and financial management capabilities with an emphasis on preferences of the local communities.
More than 35 organisations, consisting of financial service providers, as well as federal and state agencies showcased their products and services, as well as provide advisory on financial matters, including access to financing.
Several companies in collaboration with the Sabah Labour Department conducted open interview sessions for more than 350 vacancies.
Forums and interactive financial education sessions were also held, while the Royal Malaysian Police, Eastern Sabah Security Command and Royal Malaysian Navy provided briefing sessions on public security in Sandakan.
-- BERNAMA
Oct 14, 2019 | financialmanagement
SANDAKAN, Oct 14 -- Bank Negara Malaysia's (BNM) Financial Carnival over the weekend here has attracted nearly 10,000 visitors.
Its assistant governor, Abu Hassan Alshari Yahaya said the overwhelming response from the community indicates that the carnival was relevant in improving financial literacy among the people of Sabah.
Hence, the central bank plans to organise the carnival here again, he said in a statement today.
"The carnival complements the ongoing efforts by BNM and Credit Counselling and Debt Management Agency in promoting financial literacy among the people throughout the country.
"In line with the National Financial Literacy Strategy 2019-2023, the Financial Carnival is one of the initiatives carried out by BNM to increase public’s access to financial knowledge, products and services, as well as educate them on the importance of prudent financial management,” he said.
Launched by Sabah State Secretary Datuk Hashim Paijan, the two-day carnival recorded more than 1,400 financial transactions amounting to about RM18.5 million.
The inaugural carnival in Sabah's east coast attracted not only the residents of Sandakan, but also those from nearby districts such as Beluran, Kinabatangan and Tongod.
Themed "Your Financial Needs Matters", the carnival aimed at raising the public’s awareness on financial products and services, financial literacy and financial management capabilities with an emphasis on preferences of the local communities.
More than 35 organisations, consisting of financial service providers, as well as federal and state agencies showcased their products and services, as well as provide advisory on financial matters, including access to financing.
Several companies in collaboration with the Sabah Labour Department conducted open interview sessions for more than 350 vacancies.
Forums and interactive financial education sessions were also held, while the Royal Malaysian Police, Eastern Sabah Security Command and Royal Malaysian Navy provided briefing sessions on public security in Sandakan.
-- BERNAMA
When you start earning, it is very important that you begin a saving and investing program.
The reason is that habits die hard and once you start spending more than you earn, trying to get out of debt will take a long time.
There have been many studies conducted to gauge if Malaysians have sufficient financial knowledge or are even currently saving enough for their future, especially when they retire.
Credit Counselling and Debt Management Agency’s (AKPK) chief executive officer Azaddin Ngah Tasir says that everyone should have a plan for their retirement as soon as they enter the workforce.
He cites a recent study by Bank Negara Malaysia that states 57% of Malaysians have a good understanding on the importance of financial stability.
He believes that there is still room to educate the youth, especially on how to save while managing their monthly expenditure. There are still many Malaysians who do not have enough savings upon their retirement.
Hong Leong Bank group managing director and CEO, Domenic Fuda, says that a survey the bank conducted in collaboration with iMoney, a financial comparison aggregator, indicates that 75% of the respondents rated their financial knowledge as low or average, and 68% believe they do not have enough savings.
Fuda says that most people think financial knowledge means knowing how to save and manage borrowings, but there is more to it than that. The sooner you grasp this concept, the sooner you can cultivate financially responsible habits which will enhance your future financial freedom.
It’s super important to distinguish between understanding the importance of financial planning versus understanding the method on how to earn, save, invest and preserving all that you have.
Savings alone used to be enough a long time ago, but this is no longer enough today. It’s all about staying well ahead of inflation. Savings at best allow you to hedge against inflation, meaning, nothing gained, nothing lost.
Thus, building wealth through investing is going to be the key to financial stability for your future.
Do read lots of articles about achieving financial freedom as well as guides on how, what and where to invest your money.
Happy saving and investing.
When you start earning, it is very important that you begin a saving and investing program.
The reason is that habits die hard and once you start spending more than you earn, trying to get out of debt will take a long time.
There have been many studies conducted to gauge if Malaysians have sufficient financial knowledge or are even currently saving enough for their future, especially when they retire.
Credit Counselling and Debt Management Agency’s (AKPK) chief executive officer Azaddin Ngah Tasir says that everyone should have a plan for their retirement as soon as they enter the workforce.
He cites a recent study by Bank Negara Malaysia that states 57% of Malaysians have a good understanding on the importance of financial stability.
He believes that there is still room to educate the youth, especially on how to save while managing their monthly expenditure. There are still many Malaysians who do not have enough savings upon their retirement.
Hong Leong Bank group managing director and CEO, Domenic Fuda, says that a survey the bank conducted in collaboration with iMoney, a financial comparison aggregator, indicates that 75% of the respondents rated their financial knowledge as low or average, and 68% believe they do not have enough savings.
Fuda says that most people think financial knowledge means knowing how to save and manage borrowings, but there is more to it than that. The sooner you grasp this concept, the sooner you can cultivate financially responsible habits which will enhance your future financial freedom.
It’s super important to distinguish between understanding the importance of financial planning versus understanding the method on how to earn, save, invest and preserving all that you have.
Savings alone used to be enough a long time ago, but this is no longer enough today. It’s all about staying well ahead of inflation. Savings at best allow you to hedge against inflation, meaning, nothing gained, nothing lost.
Thus, building wealth through investing is going to be the key to financial stability for your future.
Do read lots of articles about achieving financial freedom as well as guides on how, what and where to invest your money.
Happy saving and investing.
Oct 10, 2019 | financialmanagement
When you start earning, it is very important that you begin a saving and investing program.
The reason is that habits die hard and once you start spending more than you earn, trying to get out of debt will take a long time.
There have been many studies conducted to gauge if Malaysians have sufficient financial knowledge or are even currently saving enough for their future, especially when they retire.
Credit Counselling and Debt Management Agency’s (AKPK) chief executive officer Azaddin Ngah Tasir says that everyone should have a plan for their retirement as soon as they enter the workforce.
He cites a recent study by Bank Negara Malaysia that states 57% of Malaysians have a good understanding on the importance of financial stability.
He believes that there is still room to educate the youth, especially on how to save while managing their monthly expenditure. There are still many Malaysians who do not have enough savings upon their retirement.
Hong Leong Bank group managing director and CEO, Domenic Fuda, says that a survey the bank conducted in collaboration with iMoney, a financial comparison aggregator, indicates that 75% of the respondents rated their financial knowledge as low or average, and 68% believe they do not have enough savings.
Fuda says that most people think financial knowledge means knowing how to save and manage borrowings, but there is more to it than that. The sooner you grasp this concept, the sooner you can cultivate financially responsible habits which will enhance your future financial freedom.
It’s super important to distinguish between understanding the importance of financial planning versus understanding the method on how to earn, save, invest and preserving all that you have.
Savings alone used to be enough a long time ago, but this is no longer enough today. It’s all about staying well ahead of inflation. Savings at best allow you to hedge against inflation, meaning, nothing gained, nothing lost.
Thus, building wealth through investing is going to be the key to financial stability for your future.
Do read lots of articles about achieving financial freedom as well as guides on how, what and where to invest your money.
Happy saving and investing.
KUALA LUMPUR: The Credit Counselling and Debt Management Agency (AKPK), in collaboration with the National Population and Family Development Board (LPPKN), has come up with an online pre-marriage module known as ‘’I Do You Do Duit Together’’ to help potential brides and bridegrooms to manage their finances after marriage.
Deputy Women, Family and Community Development Minister Hannah Yeoh said most newly-wed couples faced financial problems due to poor management of their finances.
She said this was apart from them refusing to listen to advice and ashamed to admit their debts that many found themselves in dire financial situation, leading them to live under the poverty level.
“Through the ‘I Do You Do Duit Together’ pre-marriage programme and module, we hope to provide advice and guidance on financial management to couples.
“It is an interactive online module where the couples only need to answer the questions provided at any time of their choice. The answers provided can be used as guidance for them to manage their finances after they are married,” she told reporters after launching the module here today.
She said the module could be accessed at the AKPK’s website at https://learn.akpk.org.my/courses/i-do-you-do-duit.
“So, potential brides and bridegrooms, they do not have to go anywhere to get financial advice. It’s all done online,” she added.
Yeoh said the online pre-marriage module was also aimed at educating potential brides and bridegrooms to understand their financial position and to not waste their money on wedding preparations to avoid being burdened with marriage debts.
Meanwhile, AKPK chief executive officer Azzaddin Ngah Tasir said a series of competitions will be held for 10 months beginning today for those who join the module.
Participants are only required to submit attractive slogans for the module, and to participate in the contest, they have to provide the certificate number of their module which they will be given after they have answered all the questions, he added. — Bernama
KUALA LUMPUR: The Credit Counselling and Debt Management Agency (AKPK), in collaboration with the National Population and Family Development Board (LPPKN), has come up with an online pre-marriage module known as ‘’I Do You Do Duit Together’’ to help potential brides and bridegrooms to manage their finances after marriage.
Deputy Women, Family and Community Development Minister Hannah Yeoh said most newly-wed couples faced financial problems due to poor management of their finances.
She said this was apart from them refusing to listen to advice and ashamed to admit their debts that many found themselves in dire financial situation, leading them to live under the poverty level.
“Through the ‘I Do You Do Duit Together’ pre-marriage programme and module, we hope to provide advice and guidance on financial management to couples.
“It is an interactive online module where the couples only need to answer the questions provided at any time of their choice. The answers provided can be used as guidance for them to manage their finances after they are married,” she told reporters after launching the module here today.
She said the module could be accessed at the AKPK’s website at https://learn.akpk.org.my/courses/i-do-you-do-duit.
“So, potential brides and bridegrooms, they do not have to go anywhere to get financial advice. It’s all done online,” she added.
Yeoh said the online pre-marriage module was also aimed at educating potential brides and bridegrooms to understand their financial position and to not waste their money on wedding preparations to avoid being burdened with marriage debts.
Meanwhile, AKPK chief executive officer Azzaddin Ngah Tasir said a series of competitions will be held for 10 months beginning today for those who join the module.
Participants are only required to submit attractive slogans for the module, and to participate in the contest, they have to provide the certificate number of their module which they will be given after they have answered all the questions, he added. — Bernama
Sep 15, 2019 | financialmanagement
KUALA LUMPUR: The Credit Counselling and Debt Management Agency (AKPK), in collaboration with the National Population and Family Development Board (LPPKN), has come up with an online pre-marriage module known as ‘’I Do You Do Duit Together’’ to help potential brides and bridegrooms to manage their finances after marriage.
Deputy Women, Family and Community Development Minister Hannah Yeoh said most newly-wed couples faced financial problems due to poor management of their finances.
She said this was apart from them refusing to listen to advice and ashamed to admit their debts that many found themselves in dire financial situation, leading them to live under the poverty level.
“Through the ‘I Do You Do Duit Together’ pre-marriage programme and module, we hope to provide advice and guidance on financial management to couples.
“It is an interactive online module where the couples only need to answer the questions provided at any time of their choice. The answers provided can be used as guidance for them to manage their finances after they are married,” she told reporters after launching the module here today.
She said the module could be accessed at the AKPK’s website at https://learn.akpk.org.my/courses/i-do-you-do-duit.
“So, potential brides and bridegrooms, they do not have to go anywhere to get financial advice. It’s all done online,” she added.
Yeoh said the online pre-marriage module was also aimed at educating potential brides and bridegrooms to understand their financial position and to not waste their money on wedding preparations to avoid being burdened with marriage debts.
Meanwhile, AKPK chief executive officer Azzaddin Ngah Tasir said a series of competitions will be held for 10 months beginning today for those who join the module.
Participants are only required to submit attractive slogans for the module, and to participate in the contest, they have to provide the certificate number of their module which they will be given after they have answered all the questions, he added. — Bernama
KUALA LUMPUR: Hong Leong Bank dan Hong Leong Islamic Bank melancarkan insiatif HLB DuitSmart sebagai usaha untuk memberi penekanan terhadap kepentingan literasi kewangan.
HLB DuitSmart adalah platform literasi kewangan yang dilaksanakan bersama Agensi Kaunseling dan Pengurusan Kredit (AKPK) dan Universiti Malaysia (UM).
Pengarah Urusan dan Ketua Pegawai Eksekutif Kumpulannya, Domenic Fuda berkata, platform berkenaan adalah untuk memberi pengetahuan mengenai pengurusan kewangan dan menjadikan maklumat berkaitan lebih mudah diakses oleh rakyat negara ini.
Beliau berkata, berdasarkan tinjauan yang dijalankan secara dalam talian bersama iMoney mendapati 75 peratus rakyat negara ini menilai ilmu kewangan pada tahap rendah sehingga sederhana.
Malah, katanya, hanya 19 peratus individu mengekalkan skor kredit yang baik meskipun kebanyakannya mengatakan faham mengenai perkara itu.
“Sebagai institusi kewangan di Malaysia, kami terpanggil untuk melaksanakan tanggungjawab dalam menghubungkan jarak antara kesedaran dan pengetahuan hal ehwal pengurusan kewangan.
“Melalui HLB DuitSmart, kami akan memfokuskan kepada tiga teras iaitu Kesedaran, Bantuan dan Tindakan berhubung pengurusan kewangan ini,” katanya pada majlis pelancarannya di sini, baru-baru ini.
Hadir sama, Ketua Pegawai Eksekutif AKPK, Azaddin Ngah Tasir dan Naib Canselor UM, Datuk Dr Abdul Rahim Hashim.
HLB DuitSmart akan mengira dan menyediakan maklumat mengenai pengetahuan kewangan secara dalam talian, selain membolehkan rakyat Malaysia menyemak skor kredit masing-masing, menerusi usaha sama dengan iMoney mulai hari ini hingga akhir bulan.
Fuda berkata, dalam tinjauan yang sama, 68 peratus percaya secara umumnya mereka tidak mempunyai simpanan yang mencukupi dan 41 peratus tidak tahu di mana mereka boleh dapatkan bantuan.
“Kebanyakan orang menganggap pengetahuan kewangan bermaksud mengetahui cara menyimpan dan mengurus pinjaman, sedangkan ia lebih daripada itu.
“Lagi cepat konsep itu difahami, lebih cepat kita dapat menanam amalan kewangan bertanggungjawab yang akan meningkatkan kebebasan kewangan pada masa depan,” katanya.
KUALA LUMPUR: Hong Leong Bank dan Hong Leong Islamic Bank melancarkan insiatif HLB DuitSmart sebagai usaha untuk memberi penekanan terhadap kepentingan literasi kewangan.
HLB DuitSmart adalah platform literasi kewangan yang dilaksanakan bersama Agensi Kaunseling dan Pengurusan Kredit (AKPK) dan Universiti Malaysia (UM).
Pengarah Urusan dan Ketua Pegawai Eksekutif Kumpulannya, Domenic Fuda berkata, platform berkenaan adalah untuk memberi pengetahuan mengenai pengurusan kewangan dan menjadikan maklumat berkaitan lebih mudah diakses oleh rakyat negara ini.
Beliau berkata, berdasarkan tinjauan yang dijalankan secara dalam talian bersama iMoney mendapati 75 peratus rakyat negara ini menilai ilmu kewangan pada tahap rendah sehingga sederhana.
Malah, katanya, hanya 19 peratus individu mengekalkan skor kredit yang baik meskipun kebanyakannya mengatakan faham mengenai perkara itu.
“Sebagai institusi kewangan di Malaysia, kami terpanggil untuk melaksanakan tanggungjawab dalam menghubungkan jarak antara kesedaran dan pengetahuan hal ehwal pengurusan kewangan.
“Melalui HLB DuitSmart, kami akan memfokuskan kepada tiga teras iaitu Kesedaran, Bantuan dan Tindakan berhubung pengurusan kewangan ini,” katanya pada majlis pelancarannya di sini, baru-baru ini.
Hadir sama, Ketua Pegawai Eksekutif AKPK, Azaddin Ngah Tasir dan Naib Canselor UM, Datuk Dr Abdul Rahim Hashim.
HLB DuitSmart akan mengira dan menyediakan maklumat mengenai pengetahuan kewangan secara dalam talian, selain membolehkan rakyat Malaysia menyemak skor kredit masing-masing, menerusi usaha sama dengan iMoney mulai hari ini hingga akhir bulan.
Fuda berkata, dalam tinjauan yang sama, 68 peratus percaya secara umumnya mereka tidak mempunyai simpanan yang mencukupi dan 41 peratus tidak tahu di mana mereka boleh dapatkan bantuan.
“Kebanyakan orang menganggap pengetahuan kewangan bermaksud mengetahui cara menyimpan dan mengurus pinjaman, sedangkan ia lebih daripada itu.
“Lagi cepat konsep itu difahami, lebih cepat kita dapat menanam amalan kewangan bertanggungjawab yang akan meningkatkan kebebasan kewangan pada masa depan,” katanya.
Sep 13, 2019 | financialmanagement
KUALA LUMPUR: Hong Leong Bank dan Hong Leong Islamic Bank melancarkan insiatif HLB DuitSmart sebagai usaha untuk memberi penekanan terhadap kepentingan literasi kewangan.
HLB DuitSmart adalah platform literasi kewangan yang dilaksanakan bersama Agensi Kaunseling dan Pengurusan Kredit (AKPK) dan Universiti Malaysia (UM).
Pengarah Urusan dan Ketua Pegawai Eksekutif Kumpulannya, Domenic Fuda berkata, platform berkenaan adalah untuk memberi pengetahuan mengenai pengurusan kewangan dan menjadikan maklumat berkaitan lebih mudah diakses oleh rakyat negara ini.
Beliau berkata, berdasarkan tinjauan yang dijalankan secara dalam talian bersama iMoney mendapati 75 peratus rakyat negara ini menilai ilmu kewangan pada tahap rendah sehingga sederhana.
Malah, katanya, hanya 19 peratus individu mengekalkan skor kredit yang baik meskipun kebanyakannya mengatakan faham mengenai perkara itu.
“Sebagai institusi kewangan di Malaysia, kami terpanggil untuk melaksanakan tanggungjawab dalam menghubungkan jarak antara kesedaran dan pengetahuan hal ehwal pengurusan kewangan.
“Melalui HLB DuitSmart, kami akan memfokuskan kepada tiga teras iaitu Kesedaran, Bantuan dan Tindakan berhubung pengurusan kewangan ini,” katanya pada majlis pelancarannya di sini, baru-baru ini.
Hadir sama, Ketua Pegawai Eksekutif AKPK, Azaddin Ngah Tasir dan Naib Canselor UM, Datuk Dr Abdul Rahim Hashim.
HLB DuitSmart akan mengira dan menyediakan maklumat mengenai pengetahuan kewangan secara dalam talian, selain membolehkan rakyat Malaysia menyemak skor kredit masing-masing, menerusi usaha sama dengan iMoney mulai hari ini hingga akhir bulan.
Fuda berkata, dalam tinjauan yang sama, 68 peratus percaya secara umumnya mereka tidak mempunyai simpanan yang mencukupi dan 41 peratus tidak tahu di mana mereka boleh dapatkan bantuan.
“Kebanyakan orang menganggap pengetahuan kewangan bermaksud mengetahui cara menyimpan dan mengurus pinjaman, sedangkan ia lebih daripada itu.
“Lagi cepat konsep itu difahami, lebih cepat kita dapat menanam amalan kewangan bertanggungjawab yang akan meningkatkan kebebasan kewangan pada masa depan,” katanya.
KUALA LUMPUR 6 Sept. - Setiap individu perlu mempunyai perancangan persaraan sejak memulakan alam pekerjaan, kata Agensi Kaunseling dan Pengurusan Kredit (AKPK).
Ketua Pegawai Eksekutifnya Azaddin Ngah Tasir berkata, berdasarkan kajian Bank Negara Malaysia tahun lepas, kira-kira 57 peratus rakyat Malaysia memahami pentingnya kewangan yang stabil.
“Namun, kami yakin masih ada ruang untuk mendidik anak muda, terutama mengenai cara menambung, yang boleh dilakukan berdasarkan kadar perbelanjaan. Masih ramai yang tidak mempunyai simpanan yang mencukupi selepas persaraan,” katanya selepas melancarkan Inisiatif DuitSmart Hong Leong Bank, di sini hari ini.
Beliau berkata program pengurusan hutang agensi itu mencatatkan peningkatan dari segi minat orang ramai untuk mengetahui secara mendalam kaedah yang perlu dilakukan untuk mendapat skor kredit yang baik.
“Kita menerima kira-kira 10,000 hingga 15,000 individu dari seluruh negara yang datang untuk mendapatkan khidmat nasihat. Ini satu perkara yang memberangsangkan kerana kami di AKPK akan membantu untuk mengelak seseorang itu daripada jatuh muflis,” katanya.
Mengenai harapan dalam Belanjawan 2020, beliau berharap kerajaan dapat menjadikan pendidikan kewangan sebagai mata pelajaran wajib di sekolah rendah sehingga ke universiti.
“Kita mengalami masalah kewangan sepanjang masa. Oleh itu, semua orang perlu memahami pentingnya kestabilan kewangan untuk masa depan,” katanya.
Pada majlis itu, Hong Leong Bank (HLB), AKPK and Universiti Malaya melancarkan inisiatif DuitSmart HLB dengan matlamat untuk mengukuhkan literasi kewangan.
Pengarah Urusan yang juga Ketua Pegawai Eksekutif Kumpulan HLB, Domenic Fuda berkata, berdasarkan kajian yang dijalankan dengan kerjasama iMoney 75 peratus daripada responden meletakkan tahap pengetahuan mengenai kewangan pada paras rendah hingga sederhana dan 68 peratus percaya secara umumnya mereka tidak mempunyai simpanan yang mencukupi.
“Kebanyakan orang menganggap pengetahuan kewangan bermakna mengetahui cara menyimpan dan mengurus pinjaman. sedangkan ia lebih daripada itu.
“Lagi cepat konsep itu difahami, lebih cepat kita dapat menanam amalan kewangan bertanggungjawab yang akan meningkatkan kebebasan kewangan pada masa depan,” katanya.
HLB DuitSmart akan mengira dan menyediakan maklumat mengenai pengetahuan kewangan secara dalam talian, selain membolehkan rakyat Malaysia menyemak skor kredit masing-masing, menerusi usaha sama dengan iMoney mulai hari ini hingga akhir bulan.- BERNAMA
KUALA LUMPUR 6 Sept. - Setiap individu perlu mempunyai perancangan persaraan sejak memulakan alam pekerjaan, kata Agensi Kaunseling dan Pengurusan Kredit (AKPK).
Ketua Pegawai Eksekutifnya Azaddin Ngah Tasir berkata, berdasarkan kajian Bank Negara Malaysia tahun lepas, kira-kira 57 peratus rakyat Malaysia memahami pentingnya kewangan yang stabil.
“Namun, kami yakin masih ada ruang untuk mendidik anak muda, terutama mengenai cara menambung, yang boleh dilakukan berdasarkan kadar perbelanjaan. Masih ramai yang tidak mempunyai simpanan yang mencukupi selepas persaraan,” katanya selepas melancarkan Inisiatif DuitSmart Hong Leong Bank, di sini hari ini.
Beliau berkata program pengurusan hutang agensi itu mencatatkan peningkatan dari segi minat orang ramai untuk mengetahui secara mendalam kaedah yang perlu dilakukan untuk mendapat skor kredit yang baik.
“Kita menerima kira-kira 10,000 hingga 15,000 individu dari seluruh negara yang datang untuk mendapatkan khidmat nasihat. Ini satu perkara yang memberangsangkan kerana kami di AKPK akan membantu untuk mengelak seseorang itu daripada jatuh muflis,” katanya.
Mengenai harapan dalam Belanjawan 2020, beliau berharap kerajaan dapat menjadikan pendidikan kewangan sebagai mata pelajaran wajib di sekolah rendah sehingga ke universiti.
“Kita mengalami masalah kewangan sepanjang masa. Oleh itu, semua orang perlu memahami pentingnya kestabilan kewangan untuk masa depan,” katanya.
Pada majlis itu, Hong Leong Bank (HLB), AKPK and Universiti Malaya melancarkan inisiatif DuitSmart HLB dengan matlamat untuk mengukuhkan literasi kewangan.
Pengarah Urusan yang juga Ketua Pegawai Eksekutif Kumpulan HLB, Domenic Fuda berkata, berdasarkan kajian yang dijalankan dengan kerjasama iMoney 75 peratus daripada responden meletakkan tahap pengetahuan mengenai kewangan pada paras rendah hingga sederhana dan 68 peratus percaya secara umumnya mereka tidak mempunyai simpanan yang mencukupi.
“Kebanyakan orang menganggap pengetahuan kewangan bermakna mengetahui cara menyimpan dan mengurus pinjaman. sedangkan ia lebih daripada itu.
“Lagi cepat konsep itu difahami, lebih cepat kita dapat menanam amalan kewangan bertanggungjawab yang akan meningkatkan kebebasan kewangan pada masa depan,” katanya.
HLB DuitSmart akan mengira dan menyediakan maklumat mengenai pengetahuan kewangan secara dalam talian, selain membolehkan rakyat Malaysia menyemak skor kredit masing-masing, menerusi usaha sama dengan iMoney mulai hari ini hingga akhir bulan.- BERNAMA
Sep 07, 2019 | financialmanagement
KUALA LUMPUR 6 Sept. - Setiap individu perlu mempunyai perancangan persaraan sejak memulakan alam pekerjaan, kata Agensi Kaunseling dan Pengurusan Kredit (AKPK).
Ketua Pegawai Eksekutifnya Azaddin Ngah Tasir berkata, berdasarkan kajian Bank Negara Malaysia tahun lepas, kira-kira 57 peratus rakyat Malaysia memahami pentingnya kewangan yang stabil.
“Namun, kami yakin masih ada ruang untuk mendidik anak muda, terutama mengenai cara menambung, yang boleh dilakukan berdasarkan kadar perbelanjaan. Masih ramai yang tidak mempunyai simpanan yang mencukupi selepas persaraan,” katanya selepas melancarkan Inisiatif DuitSmart Hong Leong Bank, di sini hari ini.
Beliau berkata program pengurusan hutang agensi itu mencatatkan peningkatan dari segi minat orang ramai untuk mengetahui secara mendalam kaedah yang perlu dilakukan untuk mendapat skor kredit yang baik.
“Kita menerima kira-kira 10,000 hingga 15,000 individu dari seluruh negara yang datang untuk mendapatkan khidmat nasihat. Ini satu perkara yang memberangsangkan kerana kami di AKPK akan membantu untuk mengelak seseorang itu daripada jatuh muflis,” katanya.
Mengenai harapan dalam Belanjawan 2020, beliau berharap kerajaan dapat menjadikan pendidikan kewangan sebagai mata pelajaran wajib di sekolah rendah sehingga ke universiti.
“Kita mengalami masalah kewangan sepanjang masa. Oleh itu, semua orang perlu memahami pentingnya kestabilan kewangan untuk masa depan,” katanya.
Pada majlis itu, Hong Leong Bank (HLB), AKPK and Universiti Malaya melancarkan inisiatif DuitSmart HLB dengan matlamat untuk mengukuhkan literasi kewangan.
Pengarah Urusan yang juga Ketua Pegawai Eksekutif Kumpulan HLB, Domenic Fuda berkata, berdasarkan kajian yang dijalankan dengan kerjasama iMoney 75 peratus daripada responden meletakkan tahap pengetahuan mengenai kewangan pada paras rendah hingga sederhana dan 68 peratus percaya secara umumnya mereka tidak mempunyai simpanan yang mencukupi.
“Kebanyakan orang menganggap pengetahuan kewangan bermakna mengetahui cara menyimpan dan mengurus pinjaman. sedangkan ia lebih daripada itu.
“Lagi cepat konsep itu difahami, lebih cepat kita dapat menanam amalan kewangan bertanggungjawab yang akan meningkatkan kebebasan kewangan pada masa depan,” katanya.
HLB DuitSmart akan mengira dan menyediakan maklumat mengenai pengetahuan kewangan secara dalam talian, selain membolehkan rakyat Malaysia menyemak skor kredit masing-masing, menerusi usaha sama dengan iMoney mulai hari ini hingga akhir bulan.- BERNAMA
KUALA LUMPUR (Aug 29): Decent affordable housing is fundamental to the health and well-being of people, and to the smooth functioning of economies. Yet around the world, in developing and advanced economies alike, cities are struggling to meet that need.
In line with the country’s commitment to provide adequate and affordable housing for all income levels, particularly for the lower-income group, Bank Negara Malaysia (BNM) Governor Datuk Nor Shamsiah Mohd Yunus (pictured) stressed that affordable housing is a shared responsibility and that the government is looking at how infrastructure providers could play their part in reducing the cost of houses.
“There are three components which make up the biggest proportion of the cost, namely land, construction and infrastructure,” she said in an exclusive interview with Bernama recently.
“There is a greater recognition now on the need to reduce costs. For land costs, the government is collaborating with the state government on mechanisms to reduce costs; and for construction costs — that is where the government is looking to leverage technology such as the IBS (Industrialised Building System) to bring down the cost,” she pointed out.
Explaining further, the Governor said “more importantly is to adopt strategies to raise income levels of households to make housing more affordable to the rakyat.”
Over the period 2007-2016, growth in house prices have outpaced household income.
Based on the median multiple approach, a house is deemed to be unaffordable if it is priced more than three times the annual household income. Malaysia’s is at 4.8 times.
“Let’s take the B40 for example. With their median monthly income of RM3,000, they can only afford houses up to around RM108,000 — three times their annual income.
“If you look at the 68 per cent of total unsold residential units, they are above RM300,000. That is why we also have to address the supply-demand mismatch.
“While there is demand for affordable housing, the developers are building outside the affordable reach of the majority of Malaysians,” said Nor Shamsiah.
Recently, the central bank expanded the eligibility criteria for those seeking to purchase property under the BNM’s RM1 billion Fund for Affordable Homes.
Effective Sept 1, 2019, individuals planning to apply for financing to purchase affordable houses would be eligible to do so if they have a maximum monthly household income of RM4,360, up 86 per cent from the earlier threshold income level of RM2,300 per month.
Plus, the maximum property price will be increased to RM300,000 from RM150,000. These new terms would help buyers from this income group to obtain financing to purchase their first house.
Meanwhile, the Governor reiterated the importance of the Guidelines on Responsible Financing.
“The Guidelines on Responsible Financing is still relevant because the main objective of these guidelines is to ensure that borrowers are able to afford the loan and can benefit from it.
“So, if a customer is taking the loan to buy a house, the customer should eventually own the house at the end of their loan tenure. Ultimately, the banks and the borrowers should also be responsible in the decision. It works both ways,” she added.
The central bank’s responsible financing guidelines are in place to protect the interest of borrowers by ensuring that those who borrow are within their capacity to honour the financial obligation until the end of the loan tenure and eventually own the property.
This is as opposed to merely buying the house upfront and then fall behind their obligations and end up losing the property.
On that note, the Governor said a lot is being done to educate consumers on areas relating to credit and financial management, especially through the Credit Counselling and Debt Management Agency, or commonly known as Agensi Kaunseling & Pengurusan Kredit (AKPK), which has gained greater traction.
AKPK is an agency established by BNM to help individuals take control of their finances through prudent financial management and financial education.
Financial literacy is among the factors that can contribute to sustainable and inclusive economic growth. It is the first line of defence for consumers to protect their rights when dealing with unfair market practices.
At the same time, to alleviate the public’s burden in coping with the rising cost of living, particularly for the M40 and B40 groups, the Governor said BNM has been emphasising the importance of improving technical skills, reforming the labour market and education system.
“There needs to be greater collaboration between training providers and the industry players to ensure Malaysia produces graduates with the right skills,” said Nor Shamsiah.
During the interview, the Governor also explained at length several other key issues pertaining to the country’s economic growth, the banking industry, the vital need to increase consumer awareness, as well as the importance of education, reskilling and upskilling in order to stay relevant in a challenging and constantly changing economy.
KUALA LUMPUR (Aug 29): Decent affordable housing is fundamental to the health and well-being of people, and to the smooth functioning of economies. Yet around the world, in developing and advanced economies alike, cities are struggling to meet that need.
In line with the country’s commitment to provide adequate and affordable housing for all income levels, particularly for the lower-income group, Bank Negara Malaysia (BNM) Governor Datuk Nor Shamsiah Mohd Yunus (pictured) stressed that affordable housing is a shared responsibility and that the government is looking at how infrastructure providers could play their part in reducing the cost of houses.
“There are three components which make up the biggest proportion of the cost, namely land, construction and infrastructure,” she said in an exclusive interview with Bernama recently.
“There is a greater recognition now on the need to reduce costs. For land costs, the government is collaborating with the state government on mechanisms to reduce costs; and for construction costs — that is where the government is looking to leverage technology such as the IBS (Industrialised Building System) to bring down the cost,” she pointed out.
Explaining further, the Governor said “more importantly is to adopt strategies to raise income levels of households to make housing more affordable to the rakyat.”
Over the period 2007-2016, growth in house prices have outpaced household income.
Based on the median multiple approach, a house is deemed to be unaffordable if it is priced more than three times the annual household income. Malaysia’s is at 4.8 times.
“Let’s take the B40 for example. With their median monthly income of RM3,000, they can only afford houses up to around RM108,000 — three times their annual income.
“If you look at the 68 per cent of total unsold residential units, they are above RM300,000. That is why we also have to address the supply-demand mismatch.
“While there is demand for affordable housing, the developers are building outside the affordable reach of the majority of Malaysians,” said Nor Shamsiah.
Recently, the central bank expanded the eligibility criteria for those seeking to purchase property under the BNM’s RM1 billion Fund for Affordable Homes.
Effective Sept 1, 2019, individuals planning to apply for financing to purchase affordable houses would be eligible to do so if they have a maximum monthly household income of RM4,360, up 86 per cent from the earlier threshold income level of RM2,300 per month.
Plus, the maximum property price will be increased to RM300,000 from RM150,000. These new terms would help buyers from this income group to obtain financing to purchase their first house.
Meanwhile, the Governor reiterated the importance of the Guidelines on Responsible Financing.
“The Guidelines on Responsible Financing is still relevant because the main objective of these guidelines is to ensure that borrowers are able to afford the loan and can benefit from it.
“So, if a customer is taking the loan to buy a house, the customer should eventually own the house at the end of their loan tenure. Ultimately, the banks and the borrowers should also be responsible in the decision. It works both ways,” she added.
The central bank’s responsible financing guidelines are in place to protect the interest of borrowers by ensuring that those who borrow are within their capacity to honour the financial obligation until the end of the loan tenure and eventually own the property.
This is as opposed to merely buying the house upfront and then fall behind their obligations and end up losing the property.
On that note, the Governor said a lot is being done to educate consumers on areas relating to credit and financial management, especially through the Credit Counselling and Debt Management Agency, or commonly known as Agensi Kaunseling & Pengurusan Kredit (AKPK), which has gained greater traction.
AKPK is an agency established by BNM to help individuals take control of their finances through prudent financial management and financial education.
Financial literacy is among the factors that can contribute to sustainable and inclusive economic growth. It is the first line of defence for consumers to protect their rights when dealing with unfair market practices.
At the same time, to alleviate the public’s burden in coping with the rising cost of living, particularly for the M40 and B40 groups, the Governor said BNM has been emphasising the importance of improving technical skills, reforming the labour market and education system.
“There needs to be greater collaboration between training providers and the industry players to ensure Malaysia produces graduates with the right skills,” said Nor Shamsiah.
During the interview, the Governor also explained at length several other key issues pertaining to the country’s economic growth, the banking industry, the vital need to increase consumer awareness, as well as the importance of education, reskilling and upskilling in order to stay relevant in a challenging and constantly changing economy.
Aug 30, 2019 | financialmanagement
KUALA LUMPUR (Aug 29): Decent affordable housing is fundamental to the health and well-being of people, and to the smooth functioning of economies. Yet around the world, in developing and advanced economies alike, cities are struggling to meet that need.
In line with the country’s commitment to provide adequate and affordable housing for all income levels, particularly for the lower-income group, Bank Negara Malaysia (BNM) Governor Datuk Nor Shamsiah Mohd Yunus (pictured) stressed that affordable housing is a shared responsibility and that the government is looking at how infrastructure providers could play their part in reducing the cost of houses.
“There are three components which make up the biggest proportion of the cost, namely land, construction and infrastructure,” she said in an exclusive interview with Bernama recently.
“There is a greater recognition now on the need to reduce costs. For land costs, the government is collaborating with the state government on mechanisms to reduce costs; and for construction costs — that is where the government is looking to leverage technology such as the IBS (Industrialised Building System) to bring down the cost,” she pointed out.
Explaining further, the Governor said “more importantly is to adopt strategies to raise income levels of households to make housing more affordable to the rakyat.”
Over the period 2007-2016, growth in house prices have outpaced household income.
Based on the median multiple approach, a house is deemed to be unaffordable if it is priced more than three times the annual household income. Malaysia’s is at 4.8 times.
“Let’s take the B40 for example. With their median monthly income of RM3,000, they can only afford houses up to around RM108,000 — three times their annual income.
“If you look at the 68 per cent of total unsold residential units, they are above RM300,000. That is why we also have to address the supply-demand mismatch.
“While there is demand for affordable housing, the developers are building outside the affordable reach of the majority of Malaysians,” said Nor Shamsiah.
Recently, the central bank expanded the eligibility criteria for those seeking to purchase property under the BNM’s RM1 billion Fund for Affordable Homes.
Effective Sept 1, 2019, individuals planning to apply for financing to purchase affordable houses would be eligible to do so if they have a maximum monthly household income of RM4,360, up 86 per cent from the earlier threshold income level of RM2,300 per month.
Plus, the maximum property price will be increased to RM300,000 from RM150,000. These new terms would help buyers from this income group to obtain financing to purchase their first house.
Meanwhile, the Governor reiterated the importance of the Guidelines on Responsible Financing.
“The Guidelines on Responsible Financing is still relevant because the main objective of these guidelines is to ensure that borrowers are able to afford the loan and can benefit from it.
“So, if a customer is taking the loan to buy a house, the customer should eventually own the house at the end of their loan tenure. Ultimately, the banks and the borrowers should also be responsible in the decision. It works both ways,” she added.
The central bank’s responsible financing guidelines are in place to protect the interest of borrowers by ensuring that those who borrow are within their capacity to honour the financial obligation until the end of the loan tenure and eventually own the property.
This is as opposed to merely buying the house upfront and then fall behind their obligations and end up losing the property.
On that note, the Governor said a lot is being done to educate consumers on areas relating to credit and financial management, especially through the Credit Counselling and Debt Management Agency, or commonly known as Agensi Kaunseling & Pengurusan Kredit (AKPK), which has gained greater traction.
AKPK is an agency established by BNM to help individuals take control of their finances through prudent financial management and financial education.
Financial literacy is among the factors that can contribute to sustainable and inclusive economic growth. It is the first line of defence for consumers to protect their rights when dealing with unfair market practices.
At the same time, to alleviate the public’s burden in coping with the rising cost of living, particularly for the M40 and B40 groups, the Governor said BNM has been emphasising the importance of improving technical skills, reforming the labour market and education system.
“There needs to be greater collaboration between training providers and the industry players to ensure Malaysia produces graduates with the right skills,” said Nor Shamsiah.
During the interview, the Governor also explained at length several other key issues pertaining to the country’s economic growth, the banking industry, the vital need to increase consumer awareness, as well as the importance of education, reskilling and upskilling in order to stay relevant in a challenging and constantly changing economy.
Only 24% can survive up to 3 months with own savings and only 10% can remain unemployed within 6 months
By AZREEN HANI / Pic By HUSSEIN SHAHARUDDIN
FIFTY percent of Malaysians admitted to having difficulties to raise RM1,000 for emergencies. One in five working adults said they did not save in the past six months. Three in 10 individuals have to borrow money to buy basic needs.
Many are burdened with huge debts. Cases of loan defaults have been a concern with thousands have been declared bankrupt.
If these statistics are not worrying enough, according to a Credit Counselling and Debt Management Agency (AKPK) survey last year, only 24% could survive up to three months with their own savings and only 10% could remain unemployed within six months.
If these gloomy figures do not rock the concerns of many Malaysians, the police’s recent announcement that Malaysia lost up to RM2 billion annually due to telecommunications scams and e-commerce frauds would make many stand up.
The widespread incidents of such thefts and how easily victims are duped by these criminals have triggered alarm bells on the susceptibility of the public to such cons.
Many have lost their life savings to promises of fast cash and instant wealth despite repeated warnings by the authorities.
To address the problem, the government has initiated the National Strategy for Financial Literacy 2019-2023, a framework aimed to improve financial literacy across all segments of the society.
According to studies by the OECD International Network on Financial Education, AKPK and the Malaysian Financial Planning Council between 2015 and 2018, the financial literacy level among Malaysians has yet to reach a satisfactory standard.
The AKPK Financial Behaviour Survey 2018 — which focused on the financial behaviour of Malaysian working adults in terms of their spending, savings and debt management — also revealed that there are areas which need to be enhanced for Malaysians’ financial wellbeing.
“It is important for us to promote good money management among the public. It’s our mandate to make prudent financial management a way of life,” AKPK GM for the operations division Nor Fazleen Zakaria (picture) told The Malaysian Reserve.
Nor Fazleen said Malaysians in general know they are supposed to budget, manage their finances and be disciplined in terms of lifestyle.
She said what is worrying is some individuals are not planning their finances and are buying too frequently.
“I know in this age and time there are many distractions and the desire to keep up with the lifestyle, but ultimately, you have to decide whether your purchase will impact you financially or not.
“What’s concerning is the fact that sometimes people just don’t plan at all. That’s wrong. That behaviour is something we (AKPK) want to correct and inculcate since young,” she said.
National Strategy for Financial Literacy
The National Strategy for financial literacy launched by Prime Minister Tun Dr Mahathir Mohamad last month outlines five main plans to equip Malaysians with the knowledge to make informed financial decisions and nurture healthy attitudes in financial management.
Dr Mahathir said the National Strategy supports the government’s aspiration for shared prosperity by ensuring that Malaysians are empowered with the right knowledge and skills to confidently make responsible financial decisions at every stage of their life.
“It is imperative that financial education is accessible to Malaysians across all ages and life stages, and this can only be achieved by working together,” he said.
Financial Education Network co-chairs, Bank Negara Malaysia governor Datuk Nor Shamsiah Mohd Yunus and Securities Commission Malaysia chairman Datuk Syed Zaid Albar, stressed that improving financial literacy across all segments of society requires a systematic, sustained and coordinated approach that focuses on engendering long-term behavioural change.
“The call to action to enable Malaysians to better cope with greater uncertainty and financial complexity has never been timelier. We all play a crucial role in promoting the financial literacy and capability of current and future generations,” they said.
With the strategy, Nor Fazleen said AKPK will be able to leverage on its partners to conduct more outreach programmes as they are tasked to focus on financial education for adults.
“The strategy provides a structured framework on what we need to do, the type of reach we can aim for and what kind of messages we are sending out to the public,” she explained.
“We do a lot of outreach programmes with government agencies and universities — and as the Education Ministry is also involved, we can work together to ensure that not only students, but educators (too) would be equipped with good financial skills, so it can be taught to the young as well.”
Why Financial Literacy Matters
According to the National Strategy, financially literate individuals make informed financial decisions throughout their life and lead to sustained improvements in their standard of living.
Financially capable households interact responsibly with financial service providers, which in turn builds financial resilience.
The rise in cases of bankruptcy among working adults — especially around the ages of 25-40 — is something that could be prevented, said Nor Fazleen.
“At this age, having financial literacy is a living skill not only for the young, but also older generations,” she stressed.
“For AKPK, we offer a financial education programme that is designed and catered to all life stages, from young to retirement age. Apart from that, we offer counselling and debt management programmes as well, especially to those who are facing financial problems,” she said.
For example, AKPK’s module for tertiary education focuses on preparation for graduates before entering the workforce. Meanwhile for working adults, the module encompasses the right types of investments and how to boost their retirement portfolio, among others.
“That’s why acquiring literacy is a continuous process. What more with various challenges each day,” Nor Fazleen said.
Nor Fazleen noted that despite various campaigns and the authorities’ warnings on financial scams, many including professionals still fall victim due to the lack of awareness and inevitable skills to face it.
“It is alarming that those scam activities target people who are close to or in retirement age because they have a certain amount of savings in the EPF (Employees Provident Fund),” she said.
She reminded the public to not be deceived by those who claim to be AKPK agents.
“We are doing our services for free, so please do not engage third party agents. Sometimes, they have your data and ask (for) 10% out of your outstanding loans.
“AKPK does not look for customers, one should engage with us and we will provide our consultations and services for free,” she added.
Malaysians’ Financial Behaviour
AKPK’s financial behaviour survey on Malaysian working adults also revealed that financial behaviour is at 7.02 points out of 10 points, which is rather satisfactory.
However, for the wellbeing index, the survey showed Malaysians only scored 6.21 points.
“It is not something that we should be satisfied (with), although it means we are okay, we have to empower ourselves more,” said Nor Fazleen.
Financial problems is cited as one of the contributors to bad wellbeing.
“We don’t want to have bad wellbeing just because we are not managing our money well.
“Interestingly, we found that people with a lower income are happier despite the cost of living,” she said The survey also found that high pay does not necessarily correlate with happiness.
“Even though your pay is meagre, if you are not prone to any lifestyle issues or live within your means, you tend to score better in the wellbeing index. Wellbeing does not mean you have to make more, but (it’s) how you manage it,” she said.
The other aspect of financial wellbeing is debt management. According to Nor Fazleen, one with a higher pay would still have financial problems if the person tends to over-borrow, compared to someone who has lesser pay, but with limited debt.
“It is important that as a consumer, we are empowered, we know what is right or what is wrong, and we make the right financial decision.
“To be empowered, we need knowledge. So, seek knowledge — because AKPK has it when it comes to financial literacy. Everybody has to play a role, individually. The employers and the ecosystem should be supported too,” she said.
Only 24% can survive up to 3 months with own savings and only 10% can remain unemployed within 6 months
By AZREEN HANI / Pic By HUSSEIN SHAHARUDDIN
FIFTY percent of Malaysians admitted to having difficulties to raise RM1,000 for emergencies. One in five working adults said they did not save in the past six months. Three in 10 individuals have to borrow money to buy basic needs.
Many are burdened with huge debts. Cases of loan defaults have been a concern with thousands have been declared bankrupt.
If these statistics are not worrying enough, according to a Credit Counselling and Debt Management Agency (AKPK) survey last year, only 24% could survive up to three months with their own savings and only 10% could remain unemployed within six months.
If these gloomy figures do not rock the concerns of many Malaysians, the police’s recent announcement that Malaysia lost up to RM2 billion annually due to telecommunications scams and e-commerce frauds would make many stand up.
The widespread incidents of such thefts and how easily victims are duped by these criminals have triggered alarm bells on the susceptibility of the public to such cons.
Many have lost their life savings to promises of fast cash and instant wealth despite repeated warnings by the authorities.
To address the problem, the government has initiated the National Strategy for Financial Literacy 2019-2023, a framework aimed to improve financial literacy across all segments of the society.
According to studies by the OECD International Network on Financial Education, AKPK and the Malaysian Financial Planning Council between 2015 and 2018, the financial literacy level among Malaysians has yet to reach a satisfactory standard.
The AKPK Financial Behaviour Survey 2018 — which focused on the financial behaviour of Malaysian working adults in terms of their spending, savings and debt management — also revealed that there are areas which need to be enhanced for Malaysians’ financial wellbeing.
“It is important for us to promote good money management among the public. It’s our mandate to make prudent financial management a way of life,” AKPK GM for the operations division Nor Fazleen Zakaria (picture) told The Malaysian Reserve.
Nor Fazleen said Malaysians in general know they are supposed to budget, manage their finances and be disciplined in terms of lifestyle.
She said what is worrying is some individuals are not planning their finances and are buying too frequently.
“I know in this age and time there are many distractions and the desire to keep up with the lifestyle, but ultimately, you have to decide whether your purchase will impact you financially or not.
“What’s concerning is the fact that sometimes people just don’t plan at all. That’s wrong. That behaviour is something we (AKPK) want to correct and inculcate since young,” she said.
National Strategy for Financial Literacy
The National Strategy for financial literacy launched by Prime Minister Tun Dr Mahathir Mohamad last month outlines five main plans to equip Malaysians with the knowledge to make informed financial decisions and nurture healthy attitudes in financial management.
Dr Mahathir said the National Strategy supports the government’s aspiration for shared prosperity by ensuring that Malaysians are empowered with the right knowledge and skills to confidently make responsible financial decisions at every stage of their life.
“It is imperative that financial education is accessible to Malaysians across all ages and life stages, and this can only be achieved by working together,” he said.
Financial Education Network co-chairs, Bank Negara Malaysia governor Datuk Nor Shamsiah Mohd Yunus and Securities Commission Malaysia chairman Datuk Syed Zaid Albar, stressed that improving financial literacy across all segments of society requires a systematic, sustained and coordinated approach that focuses on engendering long-term behavioural change.
“The call to action to enable Malaysians to better cope with greater uncertainty and financial complexity has never been timelier. We all play a crucial role in promoting the financial literacy and capability of current and future generations,” they said.
With the strategy, Nor Fazleen said AKPK will be able to leverage on its partners to conduct more outreach programmes as they are tasked to focus on financial education for adults.
“The strategy provides a structured framework on what we need to do, the type of reach we can aim for and what kind of messages we are sending out to the public,” she explained.
“We do a lot of outreach programmes with government agencies and universities — and as the Education Ministry is also involved, we can work together to ensure that not only students, but educators (too) would be equipped with good financial skills, so it can be taught to the young as well.”
Why Financial Literacy Matters
According to the National Strategy, financially literate individuals make informed financial decisions throughout their life and lead to sustained improvements in their standard of living.
Financially capable households interact responsibly with financial service providers, which in turn builds financial resilience.
The rise in cases of bankruptcy among working adults — especially around the ages of 25-40 — is something that could be prevented, said Nor Fazleen.
“At this age, having financial literacy is a living skill not only for the young, but also older generations,” she stressed.
“For AKPK, we offer a financial education programme that is designed and catered to all life stages, from young to retirement age. Apart from that, we offer counselling and debt management programmes as well, especially to those who are facing financial problems,” she said.
For example, AKPK’s module for tertiary education focuses on preparation for graduates before entering the workforce. Meanwhile for working adults, the module encompasses the right types of investments and how to boost their retirement portfolio, among others.
“That’s why acquiring literacy is a continuous process. What more with various challenges each day,” Nor Fazleen said.
Nor Fazleen noted that despite various campaigns and the authorities’ warnings on financial scams, many including professionals still fall victim due to the lack of awareness and inevitable skills to face it.
“It is alarming that those scam activities target people who are close to or in retirement age because they have a certain amount of savings in the EPF (Employees Provident Fund),” she said.
She reminded the public to not be deceived by those who claim to be AKPK agents.
“We are doing our services for free, so please do not engage third party agents. Sometimes, they have your data and ask (for) 10% out of your outstanding loans.
“AKPK does not look for customers, one should engage with us and we will provide our consultations and services for free,” she added.
Malaysians’ Financial Behaviour
AKPK’s financial behaviour survey on Malaysian working adults also revealed that financial behaviour is at 7.02 points out of 10 points, which is rather satisfactory.
However, for the wellbeing index, the survey showed Malaysians only scored 6.21 points.
“It is not something that we should be satisfied (with), although it means we are okay, we have to empower ourselves more,” said Nor Fazleen.
Financial problems is cited as one of the contributors to bad wellbeing.
“We don’t want to have bad wellbeing just because we are not managing our money well.
“Interestingly, we found that people with a lower income are happier despite the cost of living,” she said The survey also found that high pay does not necessarily correlate with happiness.
“Even though your pay is meagre, if you are not prone to any lifestyle issues or live within your means, you tend to score better in the wellbeing index. Wellbeing does not mean you have to make more, but (it’s) how you manage it,” she said.
The other aspect of financial wellbeing is debt management. According to Nor Fazleen, one with a higher pay would still have financial problems if the person tends to over-borrow, compared to someone who has lesser pay, but with limited debt.
“It is important that as a consumer, we are empowered, we know what is right or what is wrong, and we make the right financial decision.
“To be empowered, we need knowledge. So, seek knowledge — because AKPK has it when it comes to financial literacy. Everybody has to play a role, individually. The employers and the ecosystem should be supported too,” she said.
Aug 14, 2019 | financialmanagement
Only 24% can survive up to 3 months with own savings and only 10% can remain unemployed within 6 months
By AZREEN HANI / Pic By HUSSEIN SHAHARUDDIN
FIFTY percent of Malaysians admitted to having difficulties to raise RM1,000 for emergencies. One in five working adults said they did not save in the past six months. Three in 10 individuals have to borrow money to buy basic needs.
Many are burdened with huge debts. Cases of loan defaults have been a concern with thousands have been declared bankrupt.
If these statistics are not worrying enough, according to a Credit Counselling and Debt Management Agency (AKPK) survey last year, only 24% could survive up to three months with their own savings and only 10% could remain unemployed within six months.
If these gloomy figures do not rock the concerns of many Malaysians, the police’s recent announcement that Malaysia lost up to RM2 billion annually due to telecommunications scams and e-commerce frauds would make many stand up.
The widespread incidents of such thefts and how easily victims are duped by these criminals have triggered alarm bells on the susceptibility of the public to such cons.
Many have lost their life savings to promises of fast cash and instant wealth despite repeated warnings by the authorities.
To address the problem, the government has initiated the National Strategy for Financial Literacy 2019-2023, a framework aimed to improve financial literacy across all segments of the society.
According to studies by the OECD International Network on Financial Education, AKPK and the Malaysian Financial Planning Council between 2015 and 2018, the financial literacy level among Malaysians has yet to reach a satisfactory standard.
The AKPK Financial Behaviour Survey 2018 — which focused on the financial behaviour of Malaysian working adults in terms of their spending, savings and debt management — also revealed that there are areas which need to be enhanced for Malaysians’ financial wellbeing.
“It is important for us to promote good money management among the public. It’s our mandate to make prudent financial management a way of life,” AKPK GM for the operations division Nor Fazleen Zakaria (picture) told The Malaysian Reserve.
Nor Fazleen said Malaysians in general know they are supposed to budget, manage their finances and be disciplined in terms of lifestyle.
She said what is worrying is some individuals are not planning their finances and are buying too frequently.
“I know in this age and time there are many distractions and the desire to keep up with the lifestyle, but ultimately, you have to decide whether your purchase will impact you financially or not.
“What’s concerning is the fact that sometimes people just don’t plan at all. That’s wrong. That behaviour is something we (AKPK) want to correct and inculcate since young,” she said.
National Strategy for Financial Literacy
The National Strategy for financial literacy launched by Prime Minister Tun Dr Mahathir Mohamad last month outlines five main plans to equip Malaysians with the knowledge to make informed financial decisions and nurture healthy attitudes in financial management.
Dr Mahathir said the National Strategy supports the government’s aspiration for shared prosperity by ensuring that Malaysians are empowered with the right knowledge and skills to confidently make responsible financial decisions at every stage of their life.
“It is imperative that financial education is accessible to Malaysians across all ages and life stages, and this can only be achieved by working together,” he said.
Financial Education Network co-chairs, Bank Negara Malaysia governor Datuk Nor Shamsiah Mohd Yunus and Securities Commission Malaysia chairman Datuk Syed Zaid Albar, stressed that improving financial literacy across all segments of society requires a systematic, sustained and coordinated approach that focuses on engendering long-term behavioural change.
“The call to action to enable Malaysians to better cope with greater uncertainty and financial complexity has never been timelier. We all play a crucial role in promoting the financial literacy and capability of current and future generations,” they said.
With the strategy, Nor Fazleen said AKPK will be able to leverage on its partners to conduct more outreach programmes as they are tasked to focus on financial education for adults.
“The strategy provides a structured framework on what we need to do, the type of reach we can aim for and what kind of messages we are sending out to the public,” she explained.
“We do a lot of outreach programmes with government agencies and universities — and as the Education Ministry is also involved, we can work together to ensure that not only students, but educators (too) would be equipped with good financial skills, so it can be taught to the young as well.”
Why Financial Literacy Matters
According to the National Strategy, financially literate individuals make informed financial decisions throughout their life and lead to sustained improvements in their standard of living.
Financially capable households interact responsibly with financial service providers, which in turn builds financial resilience.
The rise in cases of bankruptcy among working adults — especially around the ages of 25-40 — is something that could be prevented, said Nor Fazleen.
“At this age, having financial literacy is a living skill not only for the young, but also older generations,” she stressed.
“For AKPK, we offer a financial education programme that is designed and catered to all life stages, from young to retirement age. Apart from that, we offer counselling and debt management programmes as well, especially to those who are facing financial problems,” she said.
For example, AKPK’s module for tertiary education focuses on preparation for graduates before entering the workforce. Meanwhile for working adults, the module encompasses the right types of investments and how to boost their retirement portfolio, among others.
“That’s why acquiring literacy is a continuous process. What more with various challenges each day,” Nor Fazleen said.
Nor Fazleen noted that despite various campaigns and the authorities’ warnings on financial scams, many including professionals still fall victim due to the lack of awareness and inevitable skills to face it.
“It is alarming that those scam activities target people who are close to or in retirement age because they have a certain amount of savings in the EPF (Employees Provident Fund),” she said.
She reminded the public to not be deceived by those who claim to be AKPK agents.
“We are doing our services for free, so please do not engage third party agents. Sometimes, they have your data and ask (for) 10% out of your outstanding loans.
“AKPK does not look for customers, one should engage with us and we will provide our consultations and services for free,” she added.
Malaysians’ Financial Behaviour
AKPK’s financial behaviour survey on Malaysian working adults also revealed that financial behaviour is at 7.02 points out of 10 points, which is rather satisfactory.
However, for the wellbeing index, the survey showed Malaysians only scored 6.21 points.
“It is not something that we should be satisfied (with), although it means we are okay, we have to empower ourselves more,” said Nor Fazleen.
Financial problems is cited as one of the contributors to bad wellbeing.
“We don’t want to have bad wellbeing just because we are not managing our money well.
“Interestingly, we found that people with a lower income are happier despite the cost of living,” she said The survey also found that high pay does not necessarily correlate with happiness.
“Even though your pay is meagre, if you are not prone to any lifestyle issues or live within your means, you tend to score better in the wellbeing index. Wellbeing does not mean you have to make more, but (it’s) how you manage it,” she said.
The other aspect of financial wellbeing is debt management. According to Nor Fazleen, one with a higher pay would still have financial problems if the person tends to over-borrow, compared to someone who has lesser pay, but with limited debt.
“It is important that as a consumer, we are empowered, we know what is right or what is wrong, and we make the right financial decision.
“To be empowered, we need knowledge. So, seek knowledge — because AKPK has it when it comes to financial literacy. Everybody has to play a role, individually. The employers and the ecosystem should be supported too,” she said.
KUALA LUMPUR: One out of three Malaysians are not comfortable with their financial knowledge, while half of the population (52%) say they face difficulties raising even RM1,000 for emergencies.
These were among the findings in a Credit Counselling and Debt Management Agency (AKPK) survey last year.
AKPK chief executive officer Azaddin Ngah Tasir said when it comes to sustainability and preparedness after one loses his major source of income, only 24% said they could survive for up to three months with their own savings, and only 10% were confident of lasting six months unemployed.
“The other component is preparations for retirement, where 68% of Malaysians who retire at 55 do not even have at least RM240,000 in their Employees Provident Fund (EPF) account.
“And we have situations where 70% of those who withdrew their EPF money use up the money within five to 10 years,” Azaddin said during the launch of the National Strategy for Financial Literacy 2019-2023 at Bank Negara here yesterday.
He added that one out of every five Malaysians also did not manage to save any money for the past six months.
Azaddin stressed the importance of elevating the level of financial literacy to improve the people’s financial well-being.
“While it is improving, it is still at a very moderate level,” he added.
Director at Universiti Malaya’s Social Wellbeing Research Centre Emeritus Prof Datuk Dr Norma Mansor said the country should impart financial literacy even to children, including kindergarteners.
“In preschools in England and Wales, children are taught how to use money, save and donate, which are all part of the education of living responsibly,” she said.
In his welcoming remarks, Finance Minister Lim Guan Eng said financial literacy is how one should manage their finances and spend within their means.
“If we want to ask Malaysians not to spend, then it will be bad for our economy. After all, we want an increase in consumption and spending, but let it be increased in a prudent manner so that it does not exceed your income,” he said at the event.
Also in attendance was Inspector-General of Police Datuk Seri Abdul Hamid Bador, who said that those who succumb to temptations such as gambling also suffer financial stress.
“Some even borrow from loan sharks until it affects their performance at the workplace,” he added.
KUALA LUMPUR: One out of three Malaysians are not comfortable with their financial knowledge, while half of the population (52%) say they face difficulties raising even RM1,000 for emergencies.
These were among the findings in a Credit Counselling and Debt Management Agency (AKPK) survey last year.
AKPK chief executive officer Azaddin Ngah Tasir said when it comes to sustainability and preparedness after one loses his major source of income, only 24% said they could survive for up to three months with their own savings, and only 10% were confident of lasting six months unemployed.
“The other component is preparations for retirement, where 68% of Malaysians who retire at 55 do not even have at least RM240,000 in their Employees Provident Fund (EPF) account.
“And we have situations where 70% of those who withdrew their EPF money use up the money within five to 10 years,” Azaddin said during the launch of the National Strategy for Financial Literacy 2019-2023 at Bank Negara here yesterday.
He added that one out of every five Malaysians also did not manage to save any money for the past six months.
Azaddin stressed the importance of elevating the level of financial literacy to improve the people’s financial well-being.
“While it is improving, it is still at a very moderate level,” he added.
Director at Universiti Malaya’s Social Wellbeing Research Centre Emeritus Prof Datuk Dr Norma Mansor said the country should impart financial literacy even to children, including kindergarteners.
“In preschools in England and Wales, children are taught how to use money, save and donate, which are all part of the education of living responsibly,” she said.
In his welcoming remarks, Finance Minister Lim Guan Eng said financial literacy is how one should manage their finances and spend within their means.
“If we want to ask Malaysians not to spend, then it will be bad for our economy. After all, we want an increase in consumption and spending, but let it be increased in a prudent manner so that it does not exceed your income,” he said at the event.
Also in attendance was Inspector-General of Police Datuk Seri Abdul Hamid Bador, who said that those who succumb to temptations such as gambling also suffer financial stress.
“Some even borrow from loan sharks until it affects their performance at the workplace,” he added.
Jul 25, 2019 | TheStarOnline
KUALA LUMPUR: One out of three Malaysians are not comfortable with their financial knowledge, while half of the population (52%) say they face difficulties raising even RM1,000 for emergencies.
These were among the findings in a Credit Counselling and Debt Management Agency (AKPK) survey last year.
AKPK chief executive officer Azaddin Ngah Tasir said when it comes to sustainability and preparedness after one loses his major source of income, only 24% said they could survive for up to three months with their own savings, and only 10% were confident of lasting six months unemployed.
“The other component is preparations for retirement, where 68% of Malaysians who retire at 55 do not even have at least RM240,000 in their Employees Provident Fund (EPF) account.
“And we have situations where 70% of those who withdrew their EPF money use up the money within five to 10 years,” Azaddin said during the launch of the National Strategy for Financial Literacy 2019-2023 at Bank Negara here yesterday.
He added that one out of every five Malaysians also did not manage to save any money for the past six months.
Azaddin stressed the importance of elevating the level of financial literacy to improve the people’s financial well-being.
“While it is improving, it is still at a very moderate level,” he added.
Director at Universiti Malaya’s Social Wellbeing Research Centre Emeritus Prof Datuk Dr Norma Mansor said the country should impart financial literacy even to children, including kindergarteners.
“In preschools in England and Wales, children are taught how to use money, save and donate, which are all part of the education of living responsibly,” she said.
In his welcoming remarks, Finance Minister Lim Guan Eng said financial literacy is how one should manage their finances and spend within their means.
“If we want to ask Malaysians not to spend, then it will be bad for our economy. After all, we want an increase in consumption and spending, but let it be increased in a prudent manner so that it does not exceed your income,” he said at the event.
Also in attendance was Inspector-General of Police Datuk Seri Abdul Hamid Bador, who said that those who succumb to temptations such as gambling also suffer financial stress.
“Some even borrow from loan sharks until it affects their performance at the workplace,” he added.
PETALING JAYA: The Credit Counselling and Debt Management Agency (AKPK) does not charge anything for their services.
"AKPK's services are free of charge for all individuals. We have never appointed any third party or agent to act on our behalf," AKPK corporate communications head Mohamad Khalil Jamaldin said in a statement on Monday (July 1).
He was responding to a report that a sales executive had been duped into paying more than RM8,000 to a fake-loan syndicate.
The man had been told that he had been blacklisted and that he needed to pay RM1,000 for register with AKPK and another RM2,020 for documentation fees.
image: https://video.unrulymedia.com/native/images/in-art-close-icon-128x128-16481b937f87b244a645cdbef0d930f8.png
AKPK, a wholly-owned subsidiary of Bank Negara Malaysia, provides financial education, credit counselling and debt restructuring services to individuals.
Read more at https://www.thestar.com.my/news/nation/2019/07/01/akpk-our-services-are-free/#bkzWpXHC3uGEOQM5.99
PETALING JAYA: The Credit Counselling and Debt Management Agency (AKPK) does not charge anything for their services.
"AKPK's services are free of charge for all individuals. We have never appointed any third party or agent to act on our behalf," AKPK corporate communications head Mohamad Khalil Jamaldin said in a statement on Monday (July 1).
He was responding to a report that a sales executive had been duped into paying more than RM8,000 to a fake-loan syndicate.
The man had been told that he had been blacklisted and that he needed to pay RM1,000 for register with AKPK and another RM2,020 for documentation fees.
image: https://video.unrulymedia.com/native/images/in-art-close-icon-128x128-16481b937f87b244a645cdbef0d930f8.png
AKPK, a wholly-owned subsidiary of Bank Negara Malaysia, provides financial education, credit counselling and debt restructuring services to individuals.
Read more at https://www.thestar.com.my/news/nation/2019/07/01/akpk-our-services-are-free/#bkzWpXHC3uGEOQM5.99
Jul 02, 2019 | financialmanagement
PETALING JAYA: The Credit Counselling and Debt Management Agency (AKPK) does not charge anything for their services.
"AKPK's services are free of charge for all individuals. We have never appointed any third party or agent to act on our behalf," AKPK corporate communications head Mohamad Khalil Jamaldin said in a statement on Monday (July 1).
He was responding to a report that a sales executive had been duped into paying more than RM8,000 to a fake-loan syndicate.
The man had been told that he had been blacklisted and that he needed to pay RM1,000 for register with AKPK and another RM2,020 for documentation fees.
image: https://video.unrulymedia.com/native/images/in-art-close-icon-128x128-16481b937f87b244a645cdbef0d930f8.png
AKPK, a wholly-owned subsidiary of Bank Negara Malaysia, provides financial education, credit counselling and debt restructuring services to individuals.
Read more at https://www.thestar.com.my/news/nation/2019/07/01/akpk-our-services-are-free/#bkzWpXHC3uGEOQM5.99
KUALA LUMPUR: Agensi Kaunseling dan Pengurusan Kredit (AKPK) menyediakan peluang kepada individu peminjam serta bakal peminjam untuk mempertingkat disiplin kewangan mereka melalui pendidikan kewangan, perkhidmatan kaunseling kewangan dan Program Pengurusan Kredit (PPK) secara percuma.
Pengurus Besarnya, Nor Fazleen Zakaria berkata, pendidikan kewangan oleh AKPK bertujuan memupuk amalan bijak wang dalam kalangan peminjam supaya dapat mengawal kewangan mereka dengan baik di samping mempromosikan budaya pembayaran balik teratur melalui penggunaan kredit yang cermat.
Katanya, melalui perkhidmatan terbabit, AKPK berhasrat membantu sektor isi rumah supaya menjadi lebih kukuh dan sistem perbankan pula menjadi lebih cekap serta berdaya maju dengan cara memudahkan usaha pembayaran balik hutang dan mengurangkan berlakunya kegagalan pembayaran balik yang berpunca daripada pengurusan kredit yang lemah.
“PPK oleh AKPK membantu peminjam menjadualkan dan menstrukturkan semula pinjaman rumah, pinjaman sewa beli dan pinjaman peribadi atau tunggakan baki kad kredit yang perlu dibayar kepada penyedia perkhidmatan kewangan di bawah pengawalan Bank Negara Malaysia (BNM).
“Kaunseling kewangan dan PPK adalah perkhidmatan yang disediakan oleh AKPK secara percuma kepada individu tanpa melalui mana-mana pihak ketiga,” katanya.
KUALA LUMPUR: Agensi Kaunseling dan Pengurusan Kredit (AKPK) menyediakan peluang kepada individu peminjam serta bakal peminjam untuk mempertingkat disiplin kewangan mereka melalui pendidikan kewangan, perkhidmatan kaunseling kewangan dan Program Pengurusan Kredit (PPK) secara percuma.
Pengurus Besarnya, Nor Fazleen Zakaria berkata, pendidikan kewangan oleh AKPK bertujuan memupuk amalan bijak wang dalam kalangan peminjam supaya dapat mengawal kewangan mereka dengan baik di samping mempromosikan budaya pembayaran balik teratur melalui penggunaan kredit yang cermat.
Katanya, melalui perkhidmatan terbabit, AKPK berhasrat membantu sektor isi rumah supaya menjadi lebih kukuh dan sistem perbankan pula menjadi lebih cekap serta berdaya maju dengan cara memudahkan usaha pembayaran balik hutang dan mengurangkan berlakunya kegagalan pembayaran balik yang berpunca daripada pengurusan kredit yang lemah.
“PPK oleh AKPK membantu peminjam menjadualkan dan menstrukturkan semula pinjaman rumah, pinjaman sewa beli dan pinjaman peribadi atau tunggakan baki kad kredit yang perlu dibayar kepada penyedia perkhidmatan kewangan di bawah pengawalan Bank Negara Malaysia (BNM).
“Kaunseling kewangan dan PPK adalah perkhidmatan yang disediakan oleh AKPK secara percuma kepada individu tanpa melalui mana-mana pihak ketiga,” katanya.
Jun 28, 2019 | BHOnline
KUALA LUMPUR: Agensi Kaunseling dan Pengurusan Kredit (AKPK) menyediakan peluang kepada individu peminjam serta bakal peminjam untuk mempertingkat disiplin kewangan mereka melalui pendidikan kewangan, perkhidmatan kaunseling kewangan dan Program Pengurusan Kredit (PPK) secara percuma.
Pengurus Besarnya, Nor Fazleen Zakaria berkata, pendidikan kewangan oleh AKPK bertujuan memupuk amalan bijak wang dalam kalangan peminjam supaya dapat mengawal kewangan mereka dengan baik di samping mempromosikan budaya pembayaran balik teratur melalui penggunaan kredit yang cermat.
Katanya, melalui perkhidmatan terbabit, AKPK berhasrat membantu sektor isi rumah supaya menjadi lebih kukuh dan sistem perbankan pula menjadi lebih cekap serta berdaya maju dengan cara memudahkan usaha pembayaran balik hutang dan mengurangkan berlakunya kegagalan pembayaran balik yang berpunca daripada pengurusan kredit yang lemah.
“PPK oleh AKPK membantu peminjam menjadualkan dan menstrukturkan semula pinjaman rumah, pinjaman sewa beli dan pinjaman peribadi atau tunggakan baki kad kredit yang perlu dibayar kepada penyedia perkhidmatan kewangan di bawah pengawalan Bank Negara Malaysia (BNM).
“Kaunseling kewangan dan PPK adalah perkhidmatan yang disediakan oleh AKPK secara percuma kepada individu tanpa melalui mana-mana pihak ketiga,” katanya.
KUALA LUMPUR, 24 Jun (Bernama) -- Tabung Ekonomi Kumpulan Usahawan Niaga Nasional (TEKUN Nasional) hari ini menjalinkan kerjasama dengan Agensi Kaunseling dan Pengurusan Kredit (AKPK) bagi memudahkan usahawan dalam pembayaran balik pinjaman mereka.
Ketua Pegawai Eksekutif, Datuk Adam Abd Ghani berkata ini merupakan inisiatif TEKUN Nasional untuk melahirkan lebih ramai usahawan yang mahir dalam menguruskan kredit mereka sekaligus menambah daya saing mereka.
“Melalui kerjasama ini TEKUN dan AKPK dapat menyelesaikan masalah usahawan yang mempunyai kesulitan dalam membuat bayaran balik pembiayaan dengan membuat penjadualan semula bayaran balik melalui AKPK,” katanya ketika ditemui selepas majlis menandatangani Memorandum Persefahaman (MoU) merangkap Majlis Sambutan Aidilfitri TEKUN Nasional hari ini.
Beliau berkata penjadualan semula bayaran balik itu tertakluk kepada terma dan syarat yang telah ditetapkan oleh TEKUN Nasional.
Pada majlis MoU itu, AKPK diwakili oleh Ketua Pegawai Eksekutifnya Azaddin Ngah Tasir dengan disaksikan oleh Ketua Setiausaha Kementerian Pembangunan Usahawan, Datuk Wan Suraya Wan Mohd. Radzi, Pengerusi TEKUN, Datuk Seri Muhamad Supardi Md Noor dan Pengerusi AKPK, Anuar Mohd Hassan.
Sementara itu, dalam majlis yang sama TEKUN Nasional telah menyerahkan sumbangan sebanyak RM3,000 kepada Rumah Bakti Al-Kausar di samping pemberian duit raya kepada 30 penghuninya yang terdiri daripada anak-anak yatim dan golongan asnaf.
KUALA LUMPUR, 24 Jun (Bernama) -- Tabung Ekonomi Kumpulan Usahawan Niaga Nasional (TEKUN Nasional) hari ini menjalinkan kerjasama dengan Agensi Kaunseling dan Pengurusan Kredit (AKPK) bagi memudahkan usahawan dalam pembayaran balik pinjaman mereka.
Ketua Pegawai Eksekutif, Datuk Adam Abd Ghani berkata ini merupakan inisiatif TEKUN Nasional untuk melahirkan lebih ramai usahawan yang mahir dalam menguruskan kredit mereka sekaligus menambah daya saing mereka.
“Melalui kerjasama ini TEKUN dan AKPK dapat menyelesaikan masalah usahawan yang mempunyai kesulitan dalam membuat bayaran balik pembiayaan dengan membuat penjadualan semula bayaran balik melalui AKPK,” katanya ketika ditemui selepas majlis menandatangani Memorandum Persefahaman (MoU) merangkap Majlis Sambutan Aidilfitri TEKUN Nasional hari ini.
Beliau berkata penjadualan semula bayaran balik itu tertakluk kepada terma dan syarat yang telah ditetapkan oleh TEKUN Nasional.
Pada majlis MoU itu, AKPK diwakili oleh Ketua Pegawai Eksekutifnya Azaddin Ngah Tasir dengan disaksikan oleh Ketua Setiausaha Kementerian Pembangunan Usahawan, Datuk Wan Suraya Wan Mohd. Radzi, Pengerusi TEKUN, Datuk Seri Muhamad Supardi Md Noor dan Pengerusi AKPK, Anuar Mohd Hassan.
Sementara itu, dalam majlis yang sama TEKUN Nasional telah menyerahkan sumbangan sebanyak RM3,000 kepada Rumah Bakti Al-Kausar di samping pemberian duit raya kepada 30 penghuninya yang terdiri daripada anak-anak yatim dan golongan asnaf.
Jun 28, 2019 | BernamaOnline
KUALA LUMPUR, 24 Jun (Bernama) -- Tabung Ekonomi Kumpulan Usahawan Niaga Nasional (TEKUN Nasional) hari ini menjalinkan kerjasama dengan Agensi Kaunseling dan Pengurusan Kredit (AKPK) bagi memudahkan usahawan dalam pembayaran balik pinjaman mereka.
Ketua Pegawai Eksekutif, Datuk Adam Abd Ghani berkata ini merupakan inisiatif TEKUN Nasional untuk melahirkan lebih ramai usahawan yang mahir dalam menguruskan kredit mereka sekaligus menambah daya saing mereka.
“Melalui kerjasama ini TEKUN dan AKPK dapat menyelesaikan masalah usahawan yang mempunyai kesulitan dalam membuat bayaran balik pembiayaan dengan membuat penjadualan semula bayaran balik melalui AKPK,” katanya ketika ditemui selepas majlis menandatangani Memorandum Persefahaman (MoU) merangkap Majlis Sambutan Aidilfitri TEKUN Nasional hari ini.
Beliau berkata penjadualan semula bayaran balik itu tertakluk kepada terma dan syarat yang telah ditetapkan oleh TEKUN Nasional.
Pada majlis MoU itu, AKPK diwakili oleh Ketua Pegawai Eksekutifnya Azaddin Ngah Tasir dengan disaksikan oleh Ketua Setiausaha Kementerian Pembangunan Usahawan, Datuk Wan Suraya Wan Mohd. Radzi, Pengerusi TEKUN, Datuk Seri Muhamad Supardi Md Noor dan Pengerusi AKPK, Anuar Mohd Hassan.
Sementara itu, dalam majlis yang sama TEKUN Nasional telah menyerahkan sumbangan sebanyak RM3,000 kepada Rumah Bakti Al-Kausar di samping pemberian duit raya kepada 30 penghuninya yang terdiri daripada anak-anak yatim dan golongan asnaf.
KUALA LUMPUR 24 Mei - Ada rakan-rakan yang berhutang dengan anda tetapi liat hendak bayar? Kongsikan video 'Projek Azim dan Adik' kepada mereka. Ringkas tetapi penuh mesej, video iklan Hari Raya Aidilfitri terbitan Agensi Kaunseling dan Pengurusan Kredit (AKPK) mengingatkan kita supaya menjelaskan hutang dengan rakan. Video berkenaan mengisarkan kisah sebuah keluarga kecil yang bergantung kepada keuntungan perniagaan kedai runcit sebagai punca pendapatan. Namun, apabila menjelang Hari Raya Aidilfitri, pasangan suami isteri itu runsing memikirkan hutang penduduk kampung masih belum dijelaskan sehingga persiapan raya mereka sekeluarga terjejas. Oleh demikian, kedua anak lelaki dan perempuan mereka yang masih kecil, Azam dan Adik cuba membantu dengan melaksanakan pelbagai idea supaya orang kampung menjelaskan hutang. Tersembunyi mesej di sebalik idea-idea dibawa mereka adalah satu bentuk sindiran bermaksud pemberi pinjam yang mungkin terdiri daripada rakan atau ahli keluarga terpaksa melakukan pelbagai perkara atau tawaran supaya hutang diberikan dibayar balik. Menarik garapan idea diketengahkan adalah sikap peminjam suka menangguh bayar hutang sehingga meneyabkan rakan yang memberi pinjam itu terbeban atau rugi. Sejajar dengan dasar penubuhan AKPK, agensi itu juga menyelitkan mesej supaya mereka yang meminjam supaya menjelaskan bayaran seperti dijanjikan. - UTUSAN ONLINE
KUALA LUMPUR 24 Mei - Ada rakan-rakan yang berhutang dengan anda tetapi liat hendak bayar? Kongsikan video 'Projek Azim dan Adik' kepada mereka. Ringkas tetapi penuh mesej, video iklan Hari Raya Aidilfitri terbitan Agensi Kaunseling dan Pengurusan Kredit (AKPK) mengingatkan kita supaya menjelaskan hutang dengan rakan. Video berkenaan mengisarkan kisah sebuah keluarga kecil yang bergantung kepada keuntungan perniagaan kedai runcit sebagai punca pendapatan. Namun, apabila menjelang Hari Raya Aidilfitri, pasangan suami isteri itu runsing memikirkan hutang penduduk kampung masih belum dijelaskan sehingga persiapan raya mereka sekeluarga terjejas. Oleh demikian, kedua anak lelaki dan perempuan mereka yang masih kecil, Azam dan Adik cuba membantu dengan melaksanakan pelbagai idea supaya orang kampung menjelaskan hutang. Tersembunyi mesej di sebalik idea-idea dibawa mereka adalah satu bentuk sindiran bermaksud pemberi pinjam yang mungkin terdiri daripada rakan atau ahli keluarga terpaksa melakukan pelbagai perkara atau tawaran supaya hutang diberikan dibayar balik. Menarik garapan idea diketengahkan adalah sikap peminjam suka menangguh bayar hutang sehingga meneyabkan rakan yang memberi pinjam itu terbeban atau rugi. Sejajar dengan dasar penubuhan AKPK, agensi itu juga menyelitkan mesej supaya mereka yang meminjam supaya menjelaskan bayaran seperti dijanjikan. - UTUSAN ONLINE
May 29, 2019 | UtusanOnline
KUALA LUMPUR 24 Mei - Ada rakan-rakan yang berhutang dengan anda tetapi liat hendak bayar? Kongsikan video 'Projek Azim dan Adik' kepada mereka. Ringkas tetapi penuh mesej, video iklan Hari Raya Aidilfitri terbitan Agensi Kaunseling dan Pengurusan Kredit (AKPK) mengingatkan kita supaya menjelaskan hutang dengan rakan. Video berkenaan mengisarkan kisah sebuah keluarga kecil yang bergantung kepada keuntungan perniagaan kedai runcit sebagai punca pendapatan. Namun, apabila menjelang Hari Raya Aidilfitri, pasangan suami isteri itu runsing memikirkan hutang penduduk kampung masih belum dijelaskan sehingga persiapan raya mereka sekeluarga terjejas. Oleh demikian, kedua anak lelaki dan perempuan mereka yang masih kecil, Azam dan Adik cuba membantu dengan melaksanakan pelbagai idea supaya orang kampung menjelaskan hutang. Tersembunyi mesej di sebalik idea-idea dibawa mereka adalah satu bentuk sindiran bermaksud pemberi pinjam yang mungkin terdiri daripada rakan atau ahli keluarga terpaksa melakukan pelbagai perkara atau tawaran supaya hutang diberikan dibayar balik. Menarik garapan idea diketengahkan adalah sikap peminjam suka menangguh bayar hutang sehingga meneyabkan rakan yang memberi pinjam itu terbeban atau rugi. Sejajar dengan dasar penubuhan AKPK, agensi itu juga menyelitkan mesej supaya mereka yang meminjam supaya menjelaskan bayaran seperti dijanjikan. - UTUSAN ONLINE
KUALA LUMPUR: Seramai 34,000 belia yang menghadapi masalah pembayaran balik pinjaman, mendapat bantuan Agensi Kaunseling dan Pengurusan Kredit (AKPK) menerusi Program Pengurusan Kredit (PPK) setakat akhir tahun lalu.
Menteri Kewangan, Lim Guan Eng, berkata menerusi PPK, AKPK membantu menstruktur semula pinjaman golongan berkenaan sehingga berupaya mengawal semula kedudukan kewangan masing-masing.
“Usaha menyeluruh diambil untuk meningkatkan keupayaan mengurus kewangan secara berkesan, terutama golongan belia sebagai kemahiran hidup yang penting ke arah melahirkan masyarakat celik kewangan.
“Setakat ini, AKPK melaksanakan lebih 1,700 sesi pendidikan kewangan mengenai pengurusan kewangan peribadi yang disertai lebih 1.2 juta orang termasuk golongan belia.
“Malah, seramai 34,000 belia sudah dibantu dengan menstruktur semula kedudukan kewangan mereka,” katanya pada sesi pertanyaan lisan di Dewan Rakyat, hari ini.
Beliau menjawab soalan Datuk Halimah Mohamed Sadique (BN-Kota Tinggi) yang ingin mengetahui usaha diambil AKPK dalam memberi bimbingan kewangan kepada golongan belia.
Guan Eng berkata, pelbagai inisiatif pendidikan kewangan dijalankan AKPK untuk golongan belia seperti melaksanakan modul pengurusan kewangan peribadi dan menjalankan Program Pengurusan Wang Ringgit Anda (POWER).
“AKPK turut menganjurkan program ‘Social Enterprise Literacy For Youth’ (SELFY) dengan objektif memberi pendedahan kepada kaedah pengurusan kewangan selain program ‘Be Your Own Boss’ yang menyediakan tips kewangan kepada golongan pekerja.
“Ada juga program pinjaman khusus bagi golongan belia yang pastinya dapat memperkasakan ekonomi melalui peluang pekerjaan, melanjutkan pelajaran, memulakan perniagaan dan banyak lagi,” katanya.
KUALA LUMPUR: Seramai 34,000 belia yang menghadapi masalah pembayaran balik pinjaman, mendapat bantuan Agensi Kaunseling dan Pengurusan Kredit (AKPK) menerusi Program Pengurusan Kredit (PPK) setakat akhir tahun lalu.
Menteri Kewangan, Lim Guan Eng, berkata menerusi PPK, AKPK membantu menstruktur semula pinjaman golongan berkenaan sehingga berupaya mengawal semula kedudukan kewangan masing-masing.
“Usaha menyeluruh diambil untuk meningkatkan keupayaan mengurus kewangan secara berkesan, terutama golongan belia sebagai kemahiran hidup yang penting ke arah melahirkan masyarakat celik kewangan.
“Setakat ini, AKPK melaksanakan lebih 1,700 sesi pendidikan kewangan mengenai pengurusan kewangan peribadi yang disertai lebih 1.2 juta orang termasuk golongan belia.
“Malah, seramai 34,000 belia sudah dibantu dengan menstruktur semula kedudukan kewangan mereka,” katanya pada sesi pertanyaan lisan di Dewan Rakyat, hari ini.
Beliau menjawab soalan Datuk Halimah Mohamed Sadique (BN-Kota Tinggi) yang ingin mengetahui usaha diambil AKPK dalam memberi bimbingan kewangan kepada golongan belia.
Guan Eng berkata, pelbagai inisiatif pendidikan kewangan dijalankan AKPK untuk golongan belia seperti melaksanakan modul pengurusan kewangan peribadi dan menjalankan Program Pengurusan Wang Ringgit Anda (POWER).
“AKPK turut menganjurkan program ‘Social Enterprise Literacy For Youth’ (SELFY) dengan objektif memberi pendedahan kepada kaedah pengurusan kewangan selain program ‘Be Your Own Boss’ yang menyediakan tips kewangan kepada golongan pekerja.
“Ada juga program pinjaman khusus bagi golongan belia yang pastinya dapat memperkasakan ekonomi melalui peluang pekerjaan, melanjutkan pelajaran, memulakan perniagaan dan banyak lagi,” katanya.
Apr 17, 2019 | BHOnline
KUALA LUMPUR: Seramai 34,000 belia yang menghadapi masalah pembayaran balik pinjaman, mendapat bantuan Agensi Kaunseling dan Pengurusan Kredit (AKPK) menerusi Program Pengurusan Kredit (PPK) setakat akhir tahun lalu.
Menteri Kewangan, Lim Guan Eng, berkata menerusi PPK, AKPK membantu menstruktur semula pinjaman golongan berkenaan sehingga berupaya mengawal semula kedudukan kewangan masing-masing.
“Usaha menyeluruh diambil untuk meningkatkan keupayaan mengurus kewangan secara berkesan, terutama golongan belia sebagai kemahiran hidup yang penting ke arah melahirkan masyarakat celik kewangan.
“Setakat ini, AKPK melaksanakan lebih 1,700 sesi pendidikan kewangan mengenai pengurusan kewangan peribadi yang disertai lebih 1.2 juta orang termasuk golongan belia.
“Malah, seramai 34,000 belia sudah dibantu dengan menstruktur semula kedudukan kewangan mereka,” katanya pada sesi pertanyaan lisan di Dewan Rakyat, hari ini.
Beliau menjawab soalan Datuk Halimah Mohamed Sadique (BN-Kota Tinggi) yang ingin mengetahui usaha diambil AKPK dalam memberi bimbingan kewangan kepada golongan belia.
Guan Eng berkata, pelbagai inisiatif pendidikan kewangan dijalankan AKPK untuk golongan belia seperti melaksanakan modul pengurusan kewangan peribadi dan menjalankan Program Pengurusan Wang Ringgit Anda (POWER).
“AKPK turut menganjurkan program ‘Social Enterprise Literacy For Youth’ (SELFY) dengan objektif memberi pendedahan kepada kaedah pengurusan kewangan selain program ‘Be Your Own Boss’ yang menyediakan tips kewangan kepada golongan pekerja.
“Ada juga program pinjaman khusus bagi golongan belia yang pastinya dapat memperkasakan ekonomi melalui peluang pekerjaan, melanjutkan pelajaran, memulakan perniagaan dan banyak lagi,” katanya.
It is important for students at universities to deepen their knowledge on credit management and financial literacy before stepping out as professionals in the working world or future entrepreneurs running their own business.
This is in view of the glaring lack of financial literacy and rise of bankrupcty among youths in the country. According to Youth and Sports Minister Syed Saddiq Syed AbdulRahman, around 30 per cent of bankruptcy cases registered involve people under age 30.
“The unfortunate reality in Malaysia today is that household debt is exceptionally high and financial literacy is relatively low. This must be addresssed well and early, or it will lead to a downward spiral.
“We cannot address this issue reactively. To ensure financial literacy among youths, we must begin at universities because they are where graduates and professionals will emerge from, and it is critical that we reach out to this group,” he said before launching the Kembara Bijak Wang AKPK HSBC 2019 in Universiti Kebangsaan Malaysia (UKM) recently.
The financial literacy programme for youths is a joint effort between Agensi Kaunseling dan Pengurusan Kredit (AKPK) and HSBC Bank Malaysia Bhd, with UKM as co-partner.
About 4,000 students from 14 universities nationwide are expected to take part in the six-month programme.
Syed Saddiq commended the collaboration between the government agency, bank and university as an ideal way to reach out to young people.
I hope university students will take this golden opportunity to learn how to manage money effectively. We want all youths in Malaysia to start saving from today because a penny saved is a penny earned,” he said.
The first phase of the progamme will run until April. The second phase will see groups of students completing online learning modules on cashflow management, wealth management and borrowing basics in three months.
The third and final phase is in September, where 30 best-performing groups will qualify for a financial treasure hunt aroundKuala Lumpur, which will testthem on the knowledge they learned.
HSBC Bank Malaysia deputy chief executive officer James Gossip said the bank was pleased to play a role in providing financial education to students.
“We certainly hope this programme will help Malaysian youths to acquire the skills they need to become economically independent and responsible citizens. We are looking forward to working together with our partners to boost Malaysian youths’ prospects for a promising future.”
AKPK CEO Azaddin Ngah Tasir said with financial management knowledge and skills, university students were expected to have better personal financial management and credit standing when they graduate.
“We believe there will be a multiplier effect from this programme, where students will share what they learned with their friends and family,” he said.
UKM deputy vice-chancellor (industry and community partnerships) Professor Datuk Dr Imran Ho Abdullah said having 14 universities involved in the programme was especially significant as the students would progress into full-fledged members of society when they graduate.
“We understand the programme will run for the next three years. Data gathered from the participants will be used for research by the university’s Economics Faculty team,” he said.
It is important for students at universities to deepen their knowledge on credit management and financial literacy before stepping out as professionals in the working world or future entrepreneurs running their own business.
This is in view of the glaring lack of financial literacy and rise of bankrupcty among youths in the country. According to Youth and Sports Minister Syed Saddiq Syed AbdulRahman, around 30 per cent of bankruptcy cases registered involve people under age 30.
“The unfortunate reality in Malaysia today is that household debt is exceptionally high and financial literacy is relatively low. This must be addresssed well and early, or it will lead to a downward spiral.
“We cannot address this issue reactively. To ensure financial literacy among youths, we must begin at universities because they are where graduates and professionals will emerge from, and it is critical that we reach out to this group,” he said before launching the Kembara Bijak Wang AKPK HSBC 2019 in Universiti Kebangsaan Malaysia (UKM) recently.
The financial literacy programme for youths is a joint effort between Agensi Kaunseling dan Pengurusan Kredit (AKPK) and HSBC Bank Malaysia Bhd, with UKM as co-partner.
About 4,000 students from 14 universities nationwide are expected to take part in the six-month programme.
Syed Saddiq commended the collaboration between the government agency, bank and university as an ideal way to reach out to young people.
I hope university students will take this golden opportunity to learn how to manage money effectively. We want all youths in Malaysia to start saving from today because a penny saved is a penny earned,” he said.
The first phase of the progamme will run until April. The second phase will see groups of students completing online learning modules on cashflow management, wealth management and borrowing basics in three months.
The third and final phase is in September, where 30 best-performing groups will qualify for a financial treasure hunt aroundKuala Lumpur, which will testthem on the knowledge they learned.
HSBC Bank Malaysia deputy chief executive officer James Gossip said the bank was pleased to play a role in providing financial education to students.
“We certainly hope this programme will help Malaysian youths to acquire the skills they need to become economically independent and responsible citizens. We are looking forward to working together with our partners to boost Malaysian youths’ prospects for a promising future.”
AKPK CEO Azaddin Ngah Tasir said with financial management knowledge and skills, university students were expected to have better personal financial management and credit standing when they graduate.
“We believe there will be a multiplier effect from this programme, where students will share what they learned with their friends and family,” he said.
UKM deputy vice-chancellor (industry and community partnerships) Professor Datuk Dr Imran Ho Abdullah said having 14 universities involved in the programme was especially significant as the students would progress into full-fledged members of society when they graduate.
“We understand the programme will run for the next three years. Data gathered from the participants will be used for research by the university’s Economics Faculty team,” he said.
Mar 27, 2019 | New Strait Times
It is important for students at universities to deepen their knowledge on credit management and financial literacy before stepping out as professionals in the working world or future entrepreneurs running their own business.
This is in view of the glaring lack of financial literacy and rise of bankrupcty among youths in the country. According to Youth and Sports Minister Syed Saddiq Syed AbdulRahman, around 30 per cent of bankruptcy cases registered involve people under age 30.
“The unfortunate reality in Malaysia today is that household debt is exceptionally high and financial literacy is relatively low. This must be addresssed well and early, or it will lead to a downward spiral.
“We cannot address this issue reactively. To ensure financial literacy among youths, we must begin at universities because they are where graduates and professionals will emerge from, and it is critical that we reach out to this group,” he said before launching the Kembara Bijak Wang AKPK HSBC 2019 in Universiti Kebangsaan Malaysia (UKM) recently.
The financial literacy programme for youths is a joint effort between Agensi Kaunseling dan Pengurusan Kredit (AKPK) and HSBC Bank Malaysia Bhd, with UKM as co-partner.
About 4,000 students from 14 universities nationwide are expected to take part in the six-month programme.
Syed Saddiq commended the collaboration between the government agency, bank and university as an ideal way to reach out to young people.
I hope university students will take this golden opportunity to learn how to manage money effectively. We want all youths in Malaysia to start saving from today because a penny saved is a penny earned,” he said.
The first phase of the progamme will run until April. The second phase will see groups of students completing online learning modules on cashflow management, wealth management and borrowing basics in three months.
The third and final phase is in September, where 30 best-performing groups will qualify for a financial treasure hunt aroundKuala Lumpur, which will testthem on the knowledge they learned.
HSBC Bank Malaysia deputy chief executive officer James Gossip said the bank was pleased to play a role in providing financial education to students.
“We certainly hope this programme will help Malaysian youths to acquire the skills they need to become economically independent and responsible citizens. We are looking forward to working together with our partners to boost Malaysian youths’ prospects for a promising future.”
AKPK CEO Azaddin Ngah Tasir said with financial management knowledge and skills, university students were expected to have better personal financial management and credit standing when they graduate.
“We believe there will be a multiplier effect from this programme, where students will share what they learned with their friends and family,” he said.
UKM deputy vice-chancellor (industry and community partnerships) Professor Datuk Dr Imran Ho Abdullah said having 14 universities involved in the programme was especially significant as the students would progress into full-fledged members of society when they graduate.
“We understand the programme will run for the next three years. Data gathered from the participants will be used for research by the university’s Economics Faculty team,” he said.
“Saya berusia 26 tahun dan baru tiga tahun bekerja. Sekarang, bayaran ansuran saya kepada pihak bank teruk disebabkan penggunaan kad kredit tidak terkawal,” pengakuan Azri (bukan nama sebenar).
Seorang lagi, Izatul (bukan nama sebenar), 25, pula mengaku dia terpaksa membuat pinjaman peribadi bagi membayar balik hutang dan kini menanggung komitmen kredit yang tinggi, selain membantu keluarga.
Azri dan Izatul antara golongan muda yang sempat memberi komen ringkas dan mengaku gagal menguruskan kewangan mereka sehingga berdepan masalah bayaran ansuran pembiayaan kepada pihak bank.
Percaya atau tidak, di Malaysia wujud individu yang berusia 18 tahun diisytiharkan muflis. Demikian menurut laporan yang dikeluarkan Jabatan Insolvensi Malaysia pada November tahun lalu.
Malah, seramai 64,632 rakyat Malaysia direkodkan muflis dalam lima tahun lalu, membabitkan usia semuda itu hingga 44 tahun. Sebagai tambahan, seramai 13,338 individu berada di dalam belenggu itu pada September 2018.
Hakikatnya, tidak kira membabitkan kadar jumlah muflis atau usia, kedua-dua angka itu membimbangkan kerana ia boleh memberi kesan negatif bukan saja terhadap aspek sosiomasyarakat, malah berpotensi merencatkan pertumbuhan ekonomi makro dalam jangka panjang.
Membincangkan dari segi usia, Agensi Kaunseling dan Pengurusan Kredit (AKPK) mendedahkan, mereka yang berusia antara 30 hingga 40 tahun paling ramai merujuk kepada agensi berkenaan berkaitan pengurusan kredit.
Aktiviti pengurusan kredit yang dikenali sebagai Program Pengurusan Kredit (PPK) yang dijalankan sejak 2006 sehingga Disember 2018 sudah membantu 256,579 peserta yang berhutang atau pengurusan kredit membabitkan 19,345 kes hutang dengan nilai tunggakan RM777.1 juta.
Berdasarkan statistik AKPK, seramai 246,041 peserta program itu direkodkan setakat tahun lalu dan 100,543 orang atau 40.9 peratus membabitkan golongan berusia 30 hingga 40 tahun.
Menurut Pengurus Besar Bahagian Operasi AKPK, Nor Fazleen Zakaria, saban tahun kumpulan usia itu mendominasi jumlah peserta pengurusan kredit berikutan beberapa faktor antaranya perancangan kewangan lemah dan kos sara hidup yang tinggi.
Beliau berkata, isu pengurusan wang yang lemah menjadi punca paling popular dalam kalangan peserta PPK kerana mereka mula mengumpul masalah kredit bermula usia antara 20 hingga 30 tahun.
“Pada usia 20 hingga 30 tahun, kebanyakan mereka masih ‘lembut’ dan leka dengan aktiviti perbelanjaan. Contohnya, sebaik saja tamat pengajian dan mula bekerja, senario membeli kenderaan menjadi perkara biasa.
“Ketika itu, mereka tidak ada masalah untuk membuat pinjaman kerana tiada komitmen lain dan membuat keputusan membeli kereta yang diidamkan dengan kadar bayaran bulanan agak tinggi.
“Pada masa sama, perbelanjaan menggunakan kad kredit tanpa kawalan juga berlaku kerana mereka yang baru bekerja ini, mudah mendapatkan kad berkenaan kerana komitmen kredit setiap bulan masih berada di tahap mampu diselesaikan,” katanya.
Jelasnya lagi, mereka yang berusia dalam kelompok 20 hingga 30 tahun juga mudah untuk mendapatkan pinjaman peribadi dengan perbelanjaan ke atas sesuatu aset tidak kekal seperti membayar hutang kad kredit, gaya hidup dan perbelanjaan perkahwinan.
“Dalam tempoh 10 tahun itu pelbagai komitmen kredit yang perlu ditanggung dan mungkin pada masa itu masih mampu dibayar kerana tidak mempunyai tanggungan lain seperti isteri atau anak,” katanya.
Dari segi statistik mengikut status, 78.1 peratus atau 192,122 peserta PPK adalah mereka yang sudah berkahwin dan jumlah itu jauh meninggalkan status bujang yang menyumbang pada kadar 14.9 peratus kepada 36,708 peserta.
Menjelaskan lagi berkenaan perkara itu, Nor Fazleen berkata, selepas berusia 30 tahun, ramai sudah mula memiliki keluarga dan masalah pengurusan hutang mula timbul ketika itu kerana terdapat pelbagai komitmen tambahan perlu ditanggung.
Katanya, komitmen tambahan perbelanjaan seperti ansuran bulanan rumah, perbelanjaan dapur, bil hospital, wang persekolahan anak dan perbelanjaan gaya hidup keluarga serta diri sendiri.
“Secara ideal, komitmen hutang kepada bank tidak boleh melebihi 40 peratus daripada pendapatan bersih setiap bulan bagi memastikan perbelanjaan dapat diuruskan dengan baik.
“Maka, perkara utama di sini ialah pada usia 20 hingga 30 tahun adalah tempoh waktu yang paling penting bagi memastikan kita bijak menguruskan wang dan tidak terperangkap dengan bebanan hutang tambahan apabila usia meningkat,” katanya.
PPK diwujudkan bagi membantu individu yang berdepan masalah kredit untuk menyelesaikan hutang menerusi pelan pembayaran balik yang sesuai dengan keperluan peminjam secara khusus.
Menerusi program ini, AKPK menjadi pihak ketiga antara peminjam dan pihak bank bagi menyelesaikan pembayaran hutang individu berkenaan. Langkah menstruktur semula pembayaran tertakluk kepada budi bicara pihak bank. Khidmat ini diberikan percuma kepada orang ramai tanpa membabitkan pihak lain.
Nor Fazleen berkata, orang ramai diingatkan tidak sewenang-wenangnya mengambil kesempatan menjadikan PPK sebagai batu loncatan untuk menyelesaikan masalah itu kerana AKPK bekerjasama erat dengan semua bank dan sentiasa memantau sebarang aktiviti yang cuba mengambil kesempatan.
“Sebelum kita membantu mereka menstrukturkan semula pembayaran, individu itu perlu menunjukkan secara jelas aktiviti kewangan mereka kepada kami.
“Mengikuti program ini bukan sesuatu yang amat menggembirakan kerana nama mereka sudah disenaraikan sebagai peserta AKPK di dalam Sistem Maklumat Rujukan Kredit Berpusat (CCRIS).
“Perkara ini bermakna, pihak bank sudah mengetahui sejarah pembayaran semula individu itu dan agak sukar untuk mendapat kelulusan bagi permohonan pembiayaan kewangan yang baru,” katanya.
Dari tahun ke tahun, jumlah permohonan PPK sentiasa meningkat dengan rekod 8,172 individu pada 2006 kepada 256,579 individu pada tahun lalu.
Nor Fazleen berkata, kadar pertumbuhan itu tidak mencerminkan perkara yang negatif sepenuhnya kerana perkara itu menunjukkan bahawa rakyat Malaysia yang berdepan dengan masalah kewangan semakin berani tampil untuk menyelesaikannya bagi mengelakkan sebarang masalah lebih buruk pada masa depan.
“Maksudnya, kini rakyat di negara ini kian peka dengan berusaha cari jalan untuk menyelesaikan masalah kewangan mereka. Mereka tahu jika tidak mengambil sebarang tindakan seperti mendapatkan bantuan daripada AKPK, mereka mungkin bakal berdepan tindakan undang-undang oleh pihak bank.
“Seperti kita tahu, sekiranya gagal melunaskan bayaran semula daripada pihak bank, pelbagai masalah lebih rumit akan mereka hadapi dan paling mengerikan tentu jika diisytiharkan muflis,” katanya.
“Saya berusia 26 tahun dan baru tiga tahun bekerja. Sekarang, bayaran ansuran saya kepada pihak bank teruk disebabkan penggunaan kad kredit tidak terkawal,” pengakuan Azri (bukan nama sebenar).
Seorang lagi, Izatul (bukan nama sebenar), 25, pula mengaku dia terpaksa membuat pinjaman peribadi bagi membayar balik hutang dan kini menanggung komitmen kredit yang tinggi, selain membantu keluarga.
Azri dan Izatul antara golongan muda yang sempat memberi komen ringkas dan mengaku gagal menguruskan kewangan mereka sehingga berdepan masalah bayaran ansuran pembiayaan kepada pihak bank.
Percaya atau tidak, di Malaysia wujud individu yang berusia 18 tahun diisytiharkan muflis. Demikian menurut laporan yang dikeluarkan Jabatan Insolvensi Malaysia pada November tahun lalu.
Malah, seramai 64,632 rakyat Malaysia direkodkan muflis dalam lima tahun lalu, membabitkan usia semuda itu hingga 44 tahun. Sebagai tambahan, seramai 13,338 individu berada di dalam belenggu itu pada September 2018.
Hakikatnya, tidak kira membabitkan kadar jumlah muflis atau usia, kedua-dua angka itu membimbangkan kerana ia boleh memberi kesan negatif bukan saja terhadap aspek sosiomasyarakat, malah berpotensi merencatkan pertumbuhan ekonomi makro dalam jangka panjang.
Membincangkan dari segi usia, Agensi Kaunseling dan Pengurusan Kredit (AKPK) mendedahkan, mereka yang berusia antara 30 hingga 40 tahun paling ramai merujuk kepada agensi berkenaan berkaitan pengurusan kredit.
Aktiviti pengurusan kredit yang dikenali sebagai Program Pengurusan Kredit (PPK) yang dijalankan sejak 2006 sehingga Disember 2018 sudah membantu 256,579 peserta yang berhutang atau pengurusan kredit membabitkan 19,345 kes hutang dengan nilai tunggakan RM777.1 juta.
Berdasarkan statistik AKPK, seramai 246,041 peserta program itu direkodkan setakat tahun lalu dan 100,543 orang atau 40.9 peratus membabitkan golongan berusia 30 hingga 40 tahun.
Menurut Pengurus Besar Bahagian Operasi AKPK, Nor Fazleen Zakaria, saban tahun kumpulan usia itu mendominasi jumlah peserta pengurusan kredit berikutan beberapa faktor antaranya perancangan kewangan lemah dan kos sara hidup yang tinggi.
Beliau berkata, isu pengurusan wang yang lemah menjadi punca paling popular dalam kalangan peserta PPK kerana mereka mula mengumpul masalah kredit bermula usia antara 20 hingga 30 tahun.
“Pada usia 20 hingga 30 tahun, kebanyakan mereka masih ‘lembut’ dan leka dengan aktiviti perbelanjaan. Contohnya, sebaik saja tamat pengajian dan mula bekerja, senario membeli kenderaan menjadi perkara biasa.
“Ketika itu, mereka tidak ada masalah untuk membuat pinjaman kerana tiada komitmen lain dan membuat keputusan membeli kereta yang diidamkan dengan kadar bayaran bulanan agak tinggi.
“Pada masa sama, perbelanjaan menggunakan kad kredit tanpa kawalan juga berlaku kerana mereka yang baru bekerja ini, mudah mendapatkan kad berkenaan kerana komitmen kredit setiap bulan masih berada di tahap mampu diselesaikan,” katanya.
Jelasnya lagi, mereka yang berusia dalam kelompok 20 hingga 30 tahun juga mudah untuk mendapatkan pinjaman peribadi dengan perbelanjaan ke atas sesuatu aset tidak kekal seperti membayar hutang kad kredit, gaya hidup dan perbelanjaan perkahwinan.
“Dalam tempoh 10 tahun itu pelbagai komitmen kredit yang perlu ditanggung dan mungkin pada masa itu masih mampu dibayar kerana tidak mempunyai tanggungan lain seperti isteri atau anak,” katanya.
Dari segi statistik mengikut status, 78.1 peratus atau 192,122 peserta PPK adalah mereka yang sudah berkahwin dan jumlah itu jauh meninggalkan status bujang yang menyumbang pada kadar 14.9 peratus kepada 36,708 peserta.
Menjelaskan lagi berkenaan perkara itu, Nor Fazleen berkata, selepas berusia 30 tahun, ramai sudah mula memiliki keluarga dan masalah pengurusan hutang mula timbul ketika itu kerana terdapat pelbagai komitmen tambahan perlu ditanggung.
Katanya, komitmen tambahan perbelanjaan seperti ansuran bulanan rumah, perbelanjaan dapur, bil hospital, wang persekolahan anak dan perbelanjaan gaya hidup keluarga serta diri sendiri.
“Secara ideal, komitmen hutang kepada bank tidak boleh melebihi 40 peratus daripada pendapatan bersih setiap bulan bagi memastikan perbelanjaan dapat diuruskan dengan baik.
“Maka, perkara utama di sini ialah pada usia 20 hingga 30 tahun adalah tempoh waktu yang paling penting bagi memastikan kita bijak menguruskan wang dan tidak terperangkap dengan bebanan hutang tambahan apabila usia meningkat,” katanya.
PPK diwujudkan bagi membantu individu yang berdepan masalah kredit untuk menyelesaikan hutang menerusi pelan pembayaran balik yang sesuai dengan keperluan peminjam secara khusus.
Menerusi program ini, AKPK menjadi pihak ketiga antara peminjam dan pihak bank bagi menyelesaikan pembayaran hutang individu berkenaan. Langkah menstruktur semula pembayaran tertakluk kepada budi bicara pihak bank. Khidmat ini diberikan percuma kepada orang ramai tanpa membabitkan pihak lain.
Nor Fazleen berkata, orang ramai diingatkan tidak sewenang-wenangnya mengambil kesempatan menjadikan PPK sebagai batu loncatan untuk menyelesaikan masalah itu kerana AKPK bekerjasama erat dengan semua bank dan sentiasa memantau sebarang aktiviti yang cuba mengambil kesempatan.
“Sebelum kita membantu mereka menstrukturkan semula pembayaran, individu itu perlu menunjukkan secara jelas aktiviti kewangan mereka kepada kami.
“Mengikuti program ini bukan sesuatu yang amat menggembirakan kerana nama mereka sudah disenaraikan sebagai peserta AKPK di dalam Sistem Maklumat Rujukan Kredit Berpusat (CCRIS).
“Perkara ini bermakna, pihak bank sudah mengetahui sejarah pembayaran semula individu itu dan agak sukar untuk mendapat kelulusan bagi permohonan pembiayaan kewangan yang baru,” katanya.
Dari tahun ke tahun, jumlah permohonan PPK sentiasa meningkat dengan rekod 8,172 individu pada 2006 kepada 256,579 individu pada tahun lalu.
Nor Fazleen berkata, kadar pertumbuhan itu tidak mencerminkan perkara yang negatif sepenuhnya kerana perkara itu menunjukkan bahawa rakyat Malaysia yang berdepan dengan masalah kewangan semakin berani tampil untuk menyelesaikannya bagi mengelakkan sebarang masalah lebih buruk pada masa depan.
“Maksudnya, kini rakyat di negara ini kian peka dengan berusaha cari jalan untuk menyelesaikan masalah kewangan mereka. Mereka tahu jika tidak mengambil sebarang tindakan seperti mendapatkan bantuan daripada AKPK, mereka mungkin bakal berdepan tindakan undang-undang oleh pihak bank.
“Seperti kita tahu, sekiranya gagal melunaskan bayaran semula daripada pihak bank, pelbagai masalah lebih rumit akan mereka hadapi dan paling mengerikan tentu jika diisytiharkan muflis,” katanya.
Feb 19, 2019 | Harian Metro
“Saya berusia 26 tahun dan baru tiga tahun bekerja. Sekarang, bayaran ansuran saya kepada pihak bank teruk disebabkan penggunaan kad kredit tidak terkawal,” pengakuan Azri (bukan nama sebenar).
Seorang lagi, Izatul (bukan nama sebenar), 25, pula mengaku dia terpaksa membuat pinjaman peribadi bagi membayar balik hutang dan kini menanggung komitmen kredit yang tinggi, selain membantu keluarga.
Azri dan Izatul antara golongan muda yang sempat memberi komen ringkas dan mengaku gagal menguruskan kewangan mereka sehingga berdepan masalah bayaran ansuran pembiayaan kepada pihak bank.
Percaya atau tidak, di Malaysia wujud individu yang berusia 18 tahun diisytiharkan muflis. Demikian menurut laporan yang dikeluarkan Jabatan Insolvensi Malaysia pada November tahun lalu.
Malah, seramai 64,632 rakyat Malaysia direkodkan muflis dalam lima tahun lalu, membabitkan usia semuda itu hingga 44 tahun. Sebagai tambahan, seramai 13,338 individu berada di dalam belenggu itu pada September 2018.
Hakikatnya, tidak kira membabitkan kadar jumlah muflis atau usia, kedua-dua angka itu membimbangkan kerana ia boleh memberi kesan negatif bukan saja terhadap aspek sosiomasyarakat, malah berpotensi merencatkan pertumbuhan ekonomi makro dalam jangka panjang.
Membincangkan dari segi usia, Agensi Kaunseling dan Pengurusan Kredit (AKPK) mendedahkan, mereka yang berusia antara 30 hingga 40 tahun paling ramai merujuk kepada agensi berkenaan berkaitan pengurusan kredit.
Aktiviti pengurusan kredit yang dikenali sebagai Program Pengurusan Kredit (PPK) yang dijalankan sejak 2006 sehingga Disember 2018 sudah membantu 256,579 peserta yang berhutang atau pengurusan kredit membabitkan 19,345 kes hutang dengan nilai tunggakan RM777.1 juta.
Berdasarkan statistik AKPK, seramai 246,041 peserta program itu direkodkan setakat tahun lalu dan 100,543 orang atau 40.9 peratus membabitkan golongan berusia 30 hingga 40 tahun.
Menurut Pengurus Besar Bahagian Operasi AKPK, Nor Fazleen Zakaria, saban tahun kumpulan usia itu mendominasi jumlah peserta pengurusan kredit berikutan beberapa faktor antaranya perancangan kewangan lemah dan kos sara hidup yang tinggi.
Beliau berkata, isu pengurusan wang yang lemah menjadi punca paling popular dalam kalangan peserta PPK kerana mereka mula mengumpul masalah kredit bermula usia antara 20 hingga 30 tahun.
“Pada usia 20 hingga 30 tahun, kebanyakan mereka masih ‘lembut’ dan leka dengan aktiviti perbelanjaan. Contohnya, sebaik saja tamat pengajian dan mula bekerja, senario membeli kenderaan menjadi perkara biasa.
“Ketika itu, mereka tidak ada masalah untuk membuat pinjaman kerana tiada komitmen lain dan membuat keputusan membeli kereta yang diidamkan dengan kadar bayaran bulanan agak tinggi.
“Pada masa sama, perbelanjaan menggunakan kad kredit tanpa kawalan juga berlaku kerana mereka yang baru bekerja ini, mudah mendapatkan kad berkenaan kerana komitmen kredit setiap bulan masih berada di tahap mampu diselesaikan,” katanya.
Jelasnya lagi, mereka yang berusia dalam kelompok 20 hingga 30 tahun juga mudah untuk mendapatkan pinjaman peribadi dengan perbelanjaan ke atas sesuatu aset tidak kekal seperti membayar hutang kad kredit, gaya hidup dan perbelanjaan perkahwinan.
“Dalam tempoh 10 tahun itu pelbagai komitmen kredit yang perlu ditanggung dan mungkin pada masa itu masih mampu dibayar kerana tidak mempunyai tanggungan lain seperti isteri atau anak,” katanya.
Dari segi statistik mengikut status, 78.1 peratus atau 192,122 peserta PPK adalah mereka yang sudah berkahwin dan jumlah itu jauh meninggalkan status bujang yang menyumbang pada kadar 14.9 peratus kepada 36,708 peserta.
Menjelaskan lagi berkenaan perkara itu, Nor Fazleen berkata, selepas berusia 30 tahun, ramai sudah mula memiliki keluarga dan masalah pengurusan hutang mula timbul ketika itu kerana terdapat pelbagai komitmen tambahan perlu ditanggung.
Katanya, komitmen tambahan perbelanjaan seperti ansuran bulanan rumah, perbelanjaan dapur, bil hospital, wang persekolahan anak dan perbelanjaan gaya hidup keluarga serta diri sendiri.
“Secara ideal, komitmen hutang kepada bank tidak boleh melebihi 40 peratus daripada pendapatan bersih setiap bulan bagi memastikan perbelanjaan dapat diuruskan dengan baik.
“Maka, perkara utama di sini ialah pada usia 20 hingga 30 tahun adalah tempoh waktu yang paling penting bagi memastikan kita bijak menguruskan wang dan tidak terperangkap dengan bebanan hutang tambahan apabila usia meningkat,” katanya.
PPK diwujudkan bagi membantu individu yang berdepan masalah kredit untuk menyelesaikan hutang menerusi pelan pembayaran balik yang sesuai dengan keperluan peminjam secara khusus.
Menerusi program ini, AKPK menjadi pihak ketiga antara peminjam dan pihak bank bagi menyelesaikan pembayaran hutang individu berkenaan. Langkah menstruktur semula pembayaran tertakluk kepada budi bicara pihak bank. Khidmat ini diberikan percuma kepada orang ramai tanpa membabitkan pihak lain.
Nor Fazleen berkata, orang ramai diingatkan tidak sewenang-wenangnya mengambil kesempatan menjadikan PPK sebagai batu loncatan untuk menyelesaikan masalah itu kerana AKPK bekerjasama erat dengan semua bank dan sentiasa memantau sebarang aktiviti yang cuba mengambil kesempatan.
“Sebelum kita membantu mereka menstrukturkan semula pembayaran, individu itu perlu menunjukkan secara jelas aktiviti kewangan mereka kepada kami.
“Mengikuti program ini bukan sesuatu yang amat menggembirakan kerana nama mereka sudah disenaraikan sebagai peserta AKPK di dalam Sistem Maklumat Rujukan Kredit Berpusat (CCRIS).
“Perkara ini bermakna, pihak bank sudah mengetahui sejarah pembayaran semula individu itu dan agak sukar untuk mendapat kelulusan bagi permohonan pembiayaan kewangan yang baru,” katanya.
Dari tahun ke tahun, jumlah permohonan PPK sentiasa meningkat dengan rekod 8,172 individu pada 2006 kepada 256,579 individu pada tahun lalu.
Nor Fazleen berkata, kadar pertumbuhan itu tidak mencerminkan perkara yang negatif sepenuhnya kerana perkara itu menunjukkan bahawa rakyat Malaysia yang berdepan dengan masalah kewangan semakin berani tampil untuk menyelesaikannya bagi mengelakkan sebarang masalah lebih buruk pada masa depan.
“Maksudnya, kini rakyat di negara ini kian peka dengan berusaha cari jalan untuk menyelesaikan masalah kewangan mereka. Mereka tahu jika tidak mengambil sebarang tindakan seperti mendapatkan bantuan daripada AKPK, mereka mungkin bakal berdepan tindakan undang-undang oleh pihak bank.
“Seperti kita tahu, sekiranya gagal melunaskan bayaran semula daripada pihak bank, pelbagai masalah lebih rumit akan mereka hadapi dan paling mengerikan tentu jika diisytiharkan muflis,” katanya.
Kuala Lumpur: Lambakan tawaran pinjaman peribadi di media sosial tidak seharusnya menjadikan masyarakat buta terhadap kesan pinjaman yang akhirnya menjerat diri kepada masalah yang lebih besar.
Pengurus Besar Bahagian Perkhidmatan Korporat Agensi Kaunseling dan Pengurusan Kredit (AKPK), Azman Hasim berkata, kemudahan pinjaman yang ditawarkan secara dalam talian mempunyai kelebihan, namun ia perlu dilakukan dengan bijak dan bukannya mengikut kehendak.
“Sebelum buat pinjaman sama ada daripada bank ataupun syarikat kewangan berlesen, pastikan dahulu jenis pinjaman yang ingin dipohon itu sama ada ia keperluan mendesak atau sekadar memenuhi kehendak yang boleh ditangguhkan sehingga waktu yang lebih sesuai.
“Jika ia keperluan, apakah pilihan terbaik yang ada dan soalan paling penting, mampukah bakal peminjam membayarnya menggunakan gaji yang ada tanpa membebankan mereka?” katanya.
Mengulas lanjut Azman berkata, keupayaan bakal peminjam untuk membayar semula pinjaman itu mestilah mengikut formula jumlah keseluruhan hutang tidak melebihi 40 peratus daripada pendapatan bulanan.
“Maksudnya, selepas membayar semua hutang, mereka perlu mempunyai baki 60 peratus pendapatan termasuk 10 peratus sebagai simpanan barulah mampu menjalani kehidupan selesa.
“Di AKPK, kita mengalu-alukan orang ramai mendapatkan perkhidmatan kaunseling dan pengurusan kredit secara percuma.
Katanya, agensi itu tidak melantik orang tengah membantu masyarakat mendapatkan khidmat nasihat pengurusan kewangan, sebaliknya semua urusan di pejabat atau dalam talian seperti laman web dan talian khidmat AKPK 03-26167766.
Kuala Lumpur: Lambakan tawaran pinjaman peribadi di media sosial tidak seharusnya menjadikan masyarakat buta terhadap kesan pinjaman yang akhirnya menjerat diri kepada masalah yang lebih besar.
Pengurus Besar Bahagian Perkhidmatan Korporat Agensi Kaunseling dan Pengurusan Kredit (AKPK), Azman Hasim berkata, kemudahan pinjaman yang ditawarkan secara dalam talian mempunyai kelebihan, namun ia perlu dilakukan dengan bijak dan bukannya mengikut kehendak.
“Sebelum buat pinjaman sama ada daripada bank ataupun syarikat kewangan berlesen, pastikan dahulu jenis pinjaman yang ingin dipohon itu sama ada ia keperluan mendesak atau sekadar memenuhi kehendak yang boleh ditangguhkan sehingga waktu yang lebih sesuai.
“Jika ia keperluan, apakah pilihan terbaik yang ada dan soalan paling penting, mampukah bakal peminjam membayarnya menggunakan gaji yang ada tanpa membebankan mereka?” katanya.
Mengulas lanjut Azman berkata, keupayaan bakal peminjam untuk membayar semula pinjaman itu mestilah mengikut formula jumlah keseluruhan hutang tidak melebihi 40 peratus daripada pendapatan bulanan.
“Maksudnya, selepas membayar semua hutang, mereka perlu mempunyai baki 60 peratus pendapatan termasuk 10 peratus sebagai simpanan barulah mampu menjalani kehidupan selesa.
“Di AKPK, kita mengalu-alukan orang ramai mendapatkan perkhidmatan kaunseling dan pengurusan kredit secara percuma.
Katanya, agensi itu tidak melantik orang tengah membantu masyarakat mendapatkan khidmat nasihat pengurusan kewangan, sebaliknya semua urusan di pejabat atau dalam talian seperti laman web dan talian khidmat AKPK 03-26167766.
Feb 07, 2019 | Harian Metro
Kuala Lumpur: Lambakan tawaran pinjaman peribadi di media sosial tidak seharusnya menjadikan masyarakat buta terhadap kesan pinjaman yang akhirnya menjerat diri kepada masalah yang lebih besar.
Pengurus Besar Bahagian Perkhidmatan Korporat Agensi Kaunseling dan Pengurusan Kredit (AKPK), Azman Hasim berkata, kemudahan pinjaman yang ditawarkan secara dalam talian mempunyai kelebihan, namun ia perlu dilakukan dengan bijak dan bukannya mengikut kehendak.
“Sebelum buat pinjaman sama ada daripada bank ataupun syarikat kewangan berlesen, pastikan dahulu jenis pinjaman yang ingin dipohon itu sama ada ia keperluan mendesak atau sekadar memenuhi kehendak yang boleh ditangguhkan sehingga waktu yang lebih sesuai.
“Jika ia keperluan, apakah pilihan terbaik yang ada dan soalan paling penting, mampukah bakal peminjam membayarnya menggunakan gaji yang ada tanpa membebankan mereka?” katanya.
Mengulas lanjut Azman berkata, keupayaan bakal peminjam untuk membayar semula pinjaman itu mestilah mengikut formula jumlah keseluruhan hutang tidak melebihi 40 peratus daripada pendapatan bulanan.
“Maksudnya, selepas membayar semua hutang, mereka perlu mempunyai baki 60 peratus pendapatan termasuk 10 peratus sebagai simpanan barulah mampu menjalani kehidupan selesa.
“Di AKPK, kita mengalu-alukan orang ramai mendapatkan perkhidmatan kaunseling dan pengurusan kredit secara percuma.
Katanya, agensi itu tidak melantik orang tengah membantu masyarakat mendapatkan khidmat nasihat pengurusan kewangan, sebaliknya semua urusan di pejabat atau dalam talian seperti laman web dan talian khidmat AKPK 03-26167766.
Kuala Lumpur: Bank Negara Malaysia (BNM) bersama Jaringan Pendidikan Kewangan sedang merangka satu strategi literasi kewangan kebangsaan bertujuan untuk meningkatkan tahap literasi kewangan serta memupuk perilaku kewangan yang berhemat.
Gabenornya, Datuk Nor Shamsiah Mohd Yunus berkata, pelbagai usaha sedang dilaksanakan bagi memupuk budaya pengurusan kewangan berhemat bermula dari usia muda.
Menurutnya, berdasarkan kajian bank pusat itu pada 2018 menunjukkan tahap literasi kewangan dalam kalangan rakyat masih rendah, merangkumi aspek pengetahuan dalam isu kewangan serta perilaku dan sikap berkenaan pengurusan kewangan.
“Antara kelemahan yang dikenal pasti termasuklah sebilangan besar rakyat tidak mampu menanggung perbelanjaan yang tidak dijangka, dengan 52 peratus mengakui menghadapi kesukaran untuk mengumpul wang RM1,000 jika berlaku kecemasan.
“Selain itu, hanya 24 peratus rakyat yakin dapat memenuhi obligasi kewangan sekurang-kurangnya untuk tempoh tiga bulan sekiranya hilang punca pendapatan,” katanya pada majlis pelancaran Dana Rumah Mampu Milik, di sini.
Katanya, meskipun terdapat penambahbaikan jika dibandingkan dengan kajian yang sama pada 2015, secara keseluruhan masih banyak jurang keupayaan kewangan perlu ditangani.
“Bank Pusat juga ingin menekankan pentingnya mengamalkan budaya pengurusan kewangan berhemat kerana individu yang celik kewangan dapat membuat keputusan kewangan dengan lebih baik.
“Mereka lebih berhemat dalam merancang keperluan kewangan, bebas daripada belenggu hutang berlebihan dan boleh membuat persediaan secukupnya untuk kehidupan persaraan,” katanya.
Malah, Nor Shamsiah berkata, mereka juga mungkin berpeluang untuk mencapai kebebasan dalam beban kewangan.
Sementara itu, beliau berkata, untuk memiliki rumah ia membabitkan pelaburan atau komitmen kewangan yang besar.
Katanya, bakal pembeli rumah harus bertanggungjawab menilai tahap kemampuan mereka, bagi memenuhi komitmen kewangan yang berkaitan dengan kos memiliki rumah, termasuklah bayaran balik pinjaman dan perbelanjaan lain yang berkaitan.
“Usaha membantu golongan sasar membuat keputusan kewangan berhemat dalam memiliki rumah pertama ini, Agensi Kaunseling Dan Pengurusan Kredit (AKPK) menyediakan modul pendidikan kewangan dalam talian yang ringkas dan mudah diportal Rumahku.
“Usaha ini selaras dengan peranan AKPK untuk menyediakan perkhidmatan pendidikan kewangan, kaunseling dan nasihat kewangan.
“Ia turut menawarkan program pengurusan kredit kepada individu yang berdepan masalah membayar pinjaman,” katanya.
Kuala Lumpur: Bank Negara Malaysia (BNM) bersama Jaringan Pendidikan Kewangan sedang merangka satu strategi literasi kewangan kebangsaan bertujuan untuk meningkatkan tahap literasi kewangan serta memupuk perilaku kewangan yang berhemat.
Gabenornya, Datuk Nor Shamsiah Mohd Yunus berkata, pelbagai usaha sedang dilaksanakan bagi memupuk budaya pengurusan kewangan berhemat bermula dari usia muda.
Menurutnya, berdasarkan kajian bank pusat itu pada 2018 menunjukkan tahap literasi kewangan dalam kalangan rakyat masih rendah, merangkumi aspek pengetahuan dalam isu kewangan serta perilaku dan sikap berkenaan pengurusan kewangan.
“Antara kelemahan yang dikenal pasti termasuklah sebilangan besar rakyat tidak mampu menanggung perbelanjaan yang tidak dijangka, dengan 52 peratus mengakui menghadapi kesukaran untuk mengumpul wang RM1,000 jika berlaku kecemasan.
“Selain itu, hanya 24 peratus rakyat yakin dapat memenuhi obligasi kewangan sekurang-kurangnya untuk tempoh tiga bulan sekiranya hilang punca pendapatan,” katanya pada majlis pelancaran Dana Rumah Mampu Milik, di sini.
Katanya, meskipun terdapat penambahbaikan jika dibandingkan dengan kajian yang sama pada 2015, secara keseluruhan masih banyak jurang keupayaan kewangan perlu ditangani.
“Bank Pusat juga ingin menekankan pentingnya mengamalkan budaya pengurusan kewangan berhemat kerana individu yang celik kewangan dapat membuat keputusan kewangan dengan lebih baik.
“Mereka lebih berhemat dalam merancang keperluan kewangan, bebas daripada belenggu hutang berlebihan dan boleh membuat persediaan secukupnya untuk kehidupan persaraan,” katanya.
Malah, Nor Shamsiah berkata, mereka juga mungkin berpeluang untuk mencapai kebebasan dalam beban kewangan.
Sementara itu, beliau berkata, untuk memiliki rumah ia membabitkan pelaburan atau komitmen kewangan yang besar.
Katanya, bakal pembeli rumah harus bertanggungjawab menilai tahap kemampuan mereka, bagi memenuhi komitmen kewangan yang berkaitan dengan kos memiliki rumah, termasuklah bayaran balik pinjaman dan perbelanjaan lain yang berkaitan.
“Usaha membantu golongan sasar membuat keputusan kewangan berhemat dalam memiliki rumah pertama ini, Agensi Kaunseling Dan Pengurusan Kredit (AKPK) menyediakan modul pendidikan kewangan dalam talian yang ringkas dan mudah diportal Rumahku.
“Usaha ini selaras dengan peranan AKPK untuk menyediakan perkhidmatan pendidikan kewangan, kaunseling dan nasihat kewangan.
“Ia turut menawarkan program pengurusan kredit kepada individu yang berdepan masalah membayar pinjaman,” katanya.
Feb 07, 2019 | HarianMetroOnline
Kuala Lumpur: Bank Negara Malaysia (BNM) bersama Jaringan Pendidikan Kewangan sedang merangka satu strategi literasi kewangan kebangsaan bertujuan untuk meningkatkan tahap literasi kewangan serta memupuk perilaku kewangan yang berhemat.
Gabenornya, Datuk Nor Shamsiah Mohd Yunus berkata, pelbagai usaha sedang dilaksanakan bagi memupuk budaya pengurusan kewangan berhemat bermula dari usia muda.
Menurutnya, berdasarkan kajian bank pusat itu pada 2018 menunjukkan tahap literasi kewangan dalam kalangan rakyat masih rendah, merangkumi aspek pengetahuan dalam isu kewangan serta perilaku dan sikap berkenaan pengurusan kewangan.
“Antara kelemahan yang dikenal pasti termasuklah sebilangan besar rakyat tidak mampu menanggung perbelanjaan yang tidak dijangka, dengan 52 peratus mengakui menghadapi kesukaran untuk mengumpul wang RM1,000 jika berlaku kecemasan.
“Selain itu, hanya 24 peratus rakyat yakin dapat memenuhi obligasi kewangan sekurang-kurangnya untuk tempoh tiga bulan sekiranya hilang punca pendapatan,” katanya pada majlis pelancaran Dana Rumah Mampu Milik, di sini.
Katanya, meskipun terdapat penambahbaikan jika dibandingkan dengan kajian yang sama pada 2015, secara keseluruhan masih banyak jurang keupayaan kewangan perlu ditangani.
“Bank Pusat juga ingin menekankan pentingnya mengamalkan budaya pengurusan kewangan berhemat kerana individu yang celik kewangan dapat membuat keputusan kewangan dengan lebih baik.
“Mereka lebih berhemat dalam merancang keperluan kewangan, bebas daripada belenggu hutang berlebihan dan boleh membuat persediaan secukupnya untuk kehidupan persaraan,” katanya.
Malah, Nor Shamsiah berkata, mereka juga mungkin berpeluang untuk mencapai kebebasan dalam beban kewangan.
Sementara itu, beliau berkata, untuk memiliki rumah ia membabitkan pelaburan atau komitmen kewangan yang besar.
Katanya, bakal pembeli rumah harus bertanggungjawab menilai tahap kemampuan mereka, bagi memenuhi komitmen kewangan yang berkaitan dengan kos memiliki rumah, termasuklah bayaran balik pinjaman dan perbelanjaan lain yang berkaitan.
“Usaha membantu golongan sasar membuat keputusan kewangan berhemat dalam memiliki rumah pertama ini, Agensi Kaunseling Dan Pengurusan Kredit (AKPK) menyediakan modul pendidikan kewangan dalam talian yang ringkas dan mudah diportal Rumahku.
“Usaha ini selaras dengan peranan AKPK untuk menyediakan perkhidmatan pendidikan kewangan, kaunseling dan nasihat kewangan.
“Ia turut menawarkan program pengurusan kredit kepada individu yang berdepan masalah membayar pinjaman,” katanya.
KUALA LUMPUR: Dana Rumah Mampu Milik Bank Negara Malaysia (BNM) disasarkan memberi peluang lebih luas kepada golongan berpendapatan rendah untuk memiliki rumah pertama.
Menteri Kewangan, Lim Guan Eng berkata, dana itu diwujudkan oleh BNM untuk membantu mereka yang mempunyai pendapatan isi rumah dibawah RM2,300 sebulan.
"Ramai yang mahu membeli rumah tetapi gagal mendapatkan pinjaman bank. Inilah masalah yang saya hadapi semasa menjadi Ketua Menteri Pulau Pinang. Banyak rumah yang dibina tetapi tiada pembeli kerana mereka gagal mendapatkan pinjaman.
"Ia disebabkan institusi bank yang memberikan pinjaman. Mereka (pemohon) gagal mematuhi syarat pinjaman, jadi kita menyeru agar pihak bank melonggarkan syarat pinjaman. Begitupun, kita tahu Bank Negara mempunyai garis panduan," katanya.
Guan Eng berkata demikian semasa berucap pada majlis pelancaran Dana Rumah Mampu Milik BNM dan Portal Rumahku di Sasana Kijang di sini, pada Selasa.
Turut hadir Gabenor BNM, Datuk Nor Shamsiah Mohd Yunus dan Menteri Perumahan dan Kerajaan Tempatan, Zuraida Kamaruddin.
Dana Rumah Mampu Milik BNM merupakan dana berjumlah RM1 bilion di mana warganegara Malaysia yang mempunyai isi pendapatan rumah tidak lebih dari RM2,300 dan tiada rekod pembayaran terjejas untuk tempoh 12 bulan kebelakang, layak memohon untuk membeli kediaman yang berharga RM150,000 ke bawah.
Kadar faedah maksimum ditetapkan pada 3.5 peratus setahun untuk tempoh pembiayaan 40 tahun atau sehingga berumur 70 tahun, yang mana terdahulu.
Permohonan dibuka mulai 2 Jan lalu selama tempoh dua tahun atau sehingga peruntukan habis digunakan.
"Saya difahamkan dana ini sudah ada 16 permohonan dan lima telah diluluskan manakala 11 sedang diproses. Ini satu perkembangan yang baik kerana sudah ada permohonan walaupun ia belum dihebohkan.
"Target sasaran sampai RM1 bilion, sampai habis bajet," tambah Guan Eng.
Bagi Portal Rumahku pula, ia merupakan satu modul pendidikan kewangan dalam talian yang ringkas dan mudah di bawah Agensi Kaunseling dan Pengurusan Kredit (AKPK).
Dalam perkembangan lain, Guan Eng memberitahu, beliau tidak akan mengeluarkan sebarang kenyataan berhubung projek Laluan Rel Pantai Timur (ECRL) buat masa ini atas nasihat Perdana Menteri, Tun Dr Mahathir Mohamed selepas mengadakan perjumpaan dengan beliau pada pagi Selasa.
KUALA LUMPUR: Dana Rumah Mampu Milik Bank Negara Malaysia (BNM) disasarkan memberi peluang lebih luas kepada golongan berpendapatan rendah untuk memiliki rumah pertama.
Menteri Kewangan, Lim Guan Eng berkata, dana itu diwujudkan oleh BNM untuk membantu mereka yang mempunyai pendapatan isi rumah dibawah RM2,300 sebulan.
"Ramai yang mahu membeli rumah tetapi gagal mendapatkan pinjaman bank. Inilah masalah yang saya hadapi semasa menjadi Ketua Menteri Pulau Pinang. Banyak rumah yang dibina tetapi tiada pembeli kerana mereka gagal mendapatkan pinjaman.
"Ia disebabkan institusi bank yang memberikan pinjaman. Mereka (pemohon) gagal mematuhi syarat pinjaman, jadi kita menyeru agar pihak bank melonggarkan syarat pinjaman. Begitupun, kita tahu Bank Negara mempunyai garis panduan," katanya.
Guan Eng berkata demikian semasa berucap pada majlis pelancaran Dana Rumah Mampu Milik BNM dan Portal Rumahku di Sasana Kijang di sini, pada Selasa.
Turut hadir Gabenor BNM, Datuk Nor Shamsiah Mohd Yunus dan Menteri Perumahan dan Kerajaan Tempatan, Zuraida Kamaruddin.
Dana Rumah Mampu Milik BNM merupakan dana berjumlah RM1 bilion di mana warganegara Malaysia yang mempunyai isi pendapatan rumah tidak lebih dari RM2,300 dan tiada rekod pembayaran terjejas untuk tempoh 12 bulan kebelakang, layak memohon untuk membeli kediaman yang berharga RM150,000 ke bawah.
Kadar faedah maksimum ditetapkan pada 3.5 peratus setahun untuk tempoh pembiayaan 40 tahun atau sehingga berumur 70 tahun, yang mana terdahulu.
Permohonan dibuka mulai 2 Jan lalu selama tempoh dua tahun atau sehingga peruntukan habis digunakan.
"Saya difahamkan dana ini sudah ada 16 permohonan dan lima telah diluluskan manakala 11 sedang diproses. Ini satu perkembangan yang baik kerana sudah ada permohonan walaupun ia belum dihebohkan.
"Target sasaran sampai RM1 bilion, sampai habis bajet," tambah Guan Eng.
Bagi Portal Rumahku pula, ia merupakan satu modul pendidikan kewangan dalam talian yang ringkas dan mudah di bawah Agensi Kaunseling dan Pengurusan Kredit (AKPK).
Dalam perkembangan lain, Guan Eng memberitahu, beliau tidak akan mengeluarkan sebarang kenyataan berhubung projek Laluan Rel Pantai Timur (ECRL) buat masa ini atas nasihat Perdana Menteri, Tun Dr Mahathir Mohamed selepas mengadakan perjumpaan dengan beliau pada pagi Selasa.
Jan 30, 2019 | AstroAwani
KUALA LUMPUR: Dana Rumah Mampu Milik Bank Negara Malaysia (BNM) disasarkan memberi peluang lebih luas kepada golongan berpendapatan rendah untuk memiliki rumah pertama.
Menteri Kewangan, Lim Guan Eng berkata, dana itu diwujudkan oleh BNM untuk membantu mereka yang mempunyai pendapatan isi rumah dibawah RM2,300 sebulan.
"Ramai yang mahu membeli rumah tetapi gagal mendapatkan pinjaman bank. Inilah masalah yang saya hadapi semasa menjadi Ketua Menteri Pulau Pinang. Banyak rumah yang dibina tetapi tiada pembeli kerana mereka gagal mendapatkan pinjaman.
"Ia disebabkan institusi bank yang memberikan pinjaman. Mereka (pemohon) gagal mematuhi syarat pinjaman, jadi kita menyeru agar pihak bank melonggarkan syarat pinjaman. Begitupun, kita tahu Bank Negara mempunyai garis panduan," katanya.
Guan Eng berkata demikian semasa berucap pada majlis pelancaran Dana Rumah Mampu Milik BNM dan Portal Rumahku di Sasana Kijang di sini, pada Selasa.
Turut hadir Gabenor BNM, Datuk Nor Shamsiah Mohd Yunus dan Menteri Perumahan dan Kerajaan Tempatan, Zuraida Kamaruddin.
Dana Rumah Mampu Milik BNM merupakan dana berjumlah RM1 bilion di mana warganegara Malaysia yang mempunyai isi pendapatan rumah tidak lebih dari RM2,300 dan tiada rekod pembayaran terjejas untuk tempoh 12 bulan kebelakang, layak memohon untuk membeli kediaman yang berharga RM150,000 ke bawah.
Kadar faedah maksimum ditetapkan pada 3.5 peratus setahun untuk tempoh pembiayaan 40 tahun atau sehingga berumur 70 tahun, yang mana terdahulu.
Permohonan dibuka mulai 2 Jan lalu selama tempoh dua tahun atau sehingga peruntukan habis digunakan.
"Saya difahamkan dana ini sudah ada 16 permohonan dan lima telah diluluskan manakala 11 sedang diproses. Ini satu perkembangan yang baik kerana sudah ada permohonan walaupun ia belum dihebohkan.
"Target sasaran sampai RM1 bilion, sampai habis bajet," tambah Guan Eng.
Bagi Portal Rumahku pula, ia merupakan satu modul pendidikan kewangan dalam talian yang ringkas dan mudah di bawah Agensi Kaunseling dan Pengurusan Kredit (AKPK).
Dalam perkembangan lain, Guan Eng memberitahu, beliau tidak akan mengeluarkan sebarang kenyataan berhubung projek Laluan Rel Pantai Timur (ECRL) buat masa ini atas nasihat Perdana Menteri, Tun Dr Mahathir Mohamed selepas mengadakan perjumpaan dengan beliau pada pagi Selasa.
KUALA LUMPUR: Pembeli rumah pertama dijangka menikmati pengurangan sebanyak 23 peratus dalam komitmen bulanan masing-masing berbanding skim pembiayaan semasa di pasaran menerusi inisiatif Dana Rumah Mampu Milik Bank Negara Malaysia (BNM) yang dilancarkan semalam.
Gabenor Datuk Nor Shamsiah Mohd Yunus berkata menerusi kadar pembiayaan maksimum 3.5 peratus setahun bagi kediaman berharga sehingga RM150,000, inisiatif itu telah menarik lebih 1,037 individu yang menyertai pendidikan kewangan di bawah Agensi Kaunseling dan Pengurusan Kredit (AKPK).
“Daripada jumlah itu, 265 individu secara sukarela tidak meneruskan hasrat memohon pembiayaan perumahan apabila menyedari mereka tidak mempunyai kemampuan yang mencukupi pada masa ini,” katanya pada majlis pelancaran dana dan Portal Rumahku di sini, semalam.
Dana dan portal tersebut telah dilancarkan oleh Menteri Kewangan Lim Guan Eng dan Menteri Perumahan dan Kerajaan Tempatan Zuraida Kamaruddin.
Mengulas selanjutnya, Nor Shamsiah berkata, selain menangani keperluan kewangan pembeli rumah pertama, inisiatif itu juga bertujuan mendidik mereka mengenai kemampuan meminjam serta membayar balik.
“Portal Rumahku ini membantu bakal peminjam memahami dan mengurus kewangan mereka dengan berkesan melalui penilaian kendiri yang mudah.
“Golongan sasar harus menyedari memiliki rumah melalui pinjaman perlulah berlandaskan kemampuan untuk membayar balik pinjaman sepenuhnya,” katanya.
Menurutnya, satu kajian pada 2018 menunjukkan kebanyakan rakyat Malaysia tidak mampu menanggung perbelanjaan di luar jangkaan dengan 52 peratus mengakui sukar menyimpan RM1,000 ketika waktu-waktu yang memerlukan.
“Hanya dua peratus rakyat yakin dapat memenuhi obligasi kewangan sekurang-kurangnya untuk tempoh tiga bulan sekiranya hilang punca pendapatan,” katanya.
Sehubungan itu, Nor Shamsiah berkata, pelbagai inisiatif diambil bagi menangani tahap celik kewangan yang rendah dalam kalangan rakyat negara ini.
Sementara itu, Lim berkata setakat ini sejumlah 16 permohonan telah diterima menerusi Portal Rumahku yang dibuka sejak 2 Januari, 2019.
Daripada angka itu, sebanyak lima permohonan telah diluluskan manakala 11 lain sedang diproses.
“Ini menunjukkan perkembangan yang baik meskipun ia belum dihebohkan. Sekiranya ada peluang, kita akan melanjutkan dana ini melebihi tempoh dua tahun yand disasarkan, bergantung kepada permintaan,” katanya.
Menurut Lim, inisiatif itu juga antara tiga streategi yang dirangka kerajaan bagi menangani masalah pemilikan rumah di Malaysia.
BNM misalnya, turut bekerjasama dengan institusi kewangan lain bagi memperkenalkan langkah baharu membantu pemilik rumah pertama dengan pendapatan isi rumah di bawah RM5,000 bagi pembelian rumah berharga sehingga RM300,000.
Beliau berkata, bagi peminjam pinjaman rumah pertama dengan pendapatan isi rumah sehingga RM5,000, kerajaan akan memperuntukkan RM25 juta kepada Cagamas Bhd bagi menyediakan jaminan pajakan untuk memastikan peminjam mendapat pembiayaan lebih tinggi termasuk deposit.
Selain itu, kata Lim, kerajaan menerusi usaha sama dengan penggiat industri, akan mengumumkan langkah bagi menangani unit kediaman yang tidak terjual, minggu ini.
Menurutnya, unit tidak terjual itu telah meningkat 48 peratus kepada 30,115 unit setakat suku ketiga tahun lepas berbanding suku sama pada 2017.
“Ini mencerminkan cabaran kemampuan memiliki rumah yang berlanjutan serta ketidakpadanan antara permintaan dan penawaran rumah di pasaran,” katanya.
Setakat November 2018, jumlah pinjaman gadai janji di Malaysia meningkat 7.7 peratus kepada RM555.5 bilion yang mana 70 peratus merangkumi pembeli rumah dengan hartanah berharga di bawah RM500,000. — Bernama
KUALA LUMPUR: Pembeli rumah pertama dijangka menikmati pengurangan sebanyak 23 peratus dalam komitmen bulanan masing-masing berbanding skim pembiayaan semasa di pasaran menerusi inisiatif Dana Rumah Mampu Milik Bank Negara Malaysia (BNM) yang dilancarkan semalam.
Gabenor Datuk Nor Shamsiah Mohd Yunus berkata menerusi kadar pembiayaan maksimum 3.5 peratus setahun bagi kediaman berharga sehingga RM150,000, inisiatif itu telah menarik lebih 1,037 individu yang menyertai pendidikan kewangan di bawah Agensi Kaunseling dan Pengurusan Kredit (AKPK).
“Daripada jumlah itu, 265 individu secara sukarela tidak meneruskan hasrat memohon pembiayaan perumahan apabila menyedari mereka tidak mempunyai kemampuan yang mencukupi pada masa ini,” katanya pada majlis pelancaran dana dan Portal Rumahku di sini, semalam.
Dana dan portal tersebut telah dilancarkan oleh Menteri Kewangan Lim Guan Eng dan Menteri Perumahan dan Kerajaan Tempatan Zuraida Kamaruddin.
Mengulas selanjutnya, Nor Shamsiah berkata, selain menangani keperluan kewangan pembeli rumah pertama, inisiatif itu juga bertujuan mendidik mereka mengenai kemampuan meminjam serta membayar balik.
“Portal Rumahku ini membantu bakal peminjam memahami dan mengurus kewangan mereka dengan berkesan melalui penilaian kendiri yang mudah.
“Golongan sasar harus menyedari memiliki rumah melalui pinjaman perlulah berlandaskan kemampuan untuk membayar balik pinjaman sepenuhnya,” katanya.
Menurutnya, satu kajian pada 2018 menunjukkan kebanyakan rakyat Malaysia tidak mampu menanggung perbelanjaan di luar jangkaan dengan 52 peratus mengakui sukar menyimpan RM1,000 ketika waktu-waktu yang memerlukan.
“Hanya dua peratus rakyat yakin dapat memenuhi obligasi kewangan sekurang-kurangnya untuk tempoh tiga bulan sekiranya hilang punca pendapatan,” katanya.
Sehubungan itu, Nor Shamsiah berkata, pelbagai inisiatif diambil bagi menangani tahap celik kewangan yang rendah dalam kalangan rakyat negara ini.
Sementara itu, Lim berkata setakat ini sejumlah 16 permohonan telah diterima menerusi Portal Rumahku yang dibuka sejak 2 Januari, 2019.
Daripada angka itu, sebanyak lima permohonan telah diluluskan manakala 11 lain sedang diproses.
“Ini menunjukkan perkembangan yang baik meskipun ia belum dihebohkan. Sekiranya ada peluang, kita akan melanjutkan dana ini melebihi tempoh dua tahun yand disasarkan, bergantung kepada permintaan,” katanya.
Menurut Lim, inisiatif itu juga antara tiga streategi yang dirangka kerajaan bagi menangani masalah pemilikan rumah di Malaysia.
BNM misalnya, turut bekerjasama dengan institusi kewangan lain bagi memperkenalkan langkah baharu membantu pemilik rumah pertama dengan pendapatan isi rumah di bawah RM5,000 bagi pembelian rumah berharga sehingga RM300,000.
Beliau berkata, bagi peminjam pinjaman rumah pertama dengan pendapatan isi rumah sehingga RM5,000, kerajaan akan memperuntukkan RM25 juta kepada Cagamas Bhd bagi menyediakan jaminan pajakan untuk memastikan peminjam mendapat pembiayaan lebih tinggi termasuk deposit.
Selain itu, kata Lim, kerajaan menerusi usaha sama dengan penggiat industri, akan mengumumkan langkah bagi menangani unit kediaman yang tidak terjual, minggu ini.
Menurutnya, unit tidak terjual itu telah meningkat 48 peratus kepada 30,115 unit setakat suku ketiga tahun lepas berbanding suku sama pada 2017.
“Ini mencerminkan cabaran kemampuan memiliki rumah yang berlanjutan serta ketidakpadanan antara permintaan dan penawaran rumah di pasaran,” katanya.
Setakat November 2018, jumlah pinjaman gadai janji di Malaysia meningkat 7.7 peratus kepada RM555.5 bilion yang mana 70 peratus merangkumi pembeli rumah dengan hartanah berharga di bawah RM500,000. — Bernama
Jan 30, 2019 | UtusanBorneoOnline
KUALA LUMPUR: Pembeli rumah pertama dijangka menikmati pengurangan sebanyak 23 peratus dalam komitmen bulanan masing-masing berbanding skim pembiayaan semasa di pasaran menerusi inisiatif Dana Rumah Mampu Milik Bank Negara Malaysia (BNM) yang dilancarkan semalam.
Gabenor Datuk Nor Shamsiah Mohd Yunus berkata menerusi kadar pembiayaan maksimum 3.5 peratus setahun bagi kediaman berharga sehingga RM150,000, inisiatif itu telah menarik lebih 1,037 individu yang menyertai pendidikan kewangan di bawah Agensi Kaunseling dan Pengurusan Kredit (AKPK).
“Daripada jumlah itu, 265 individu secara sukarela tidak meneruskan hasrat memohon pembiayaan perumahan apabila menyedari mereka tidak mempunyai kemampuan yang mencukupi pada masa ini,” katanya pada majlis pelancaran dana dan Portal Rumahku di sini, semalam.
Dana dan portal tersebut telah dilancarkan oleh Menteri Kewangan Lim Guan Eng dan Menteri Perumahan dan Kerajaan Tempatan Zuraida Kamaruddin.
Mengulas selanjutnya, Nor Shamsiah berkata, selain menangani keperluan kewangan pembeli rumah pertama, inisiatif itu juga bertujuan mendidik mereka mengenai kemampuan meminjam serta membayar balik.
“Portal Rumahku ini membantu bakal peminjam memahami dan mengurus kewangan mereka dengan berkesan melalui penilaian kendiri yang mudah.
“Golongan sasar harus menyedari memiliki rumah melalui pinjaman perlulah berlandaskan kemampuan untuk membayar balik pinjaman sepenuhnya,” katanya.
Menurutnya, satu kajian pada 2018 menunjukkan kebanyakan rakyat Malaysia tidak mampu menanggung perbelanjaan di luar jangkaan dengan 52 peratus mengakui sukar menyimpan RM1,000 ketika waktu-waktu yang memerlukan.
“Hanya dua peratus rakyat yakin dapat memenuhi obligasi kewangan sekurang-kurangnya untuk tempoh tiga bulan sekiranya hilang punca pendapatan,” katanya.
Sehubungan itu, Nor Shamsiah berkata, pelbagai inisiatif diambil bagi menangani tahap celik kewangan yang rendah dalam kalangan rakyat negara ini.
Sementara itu, Lim berkata setakat ini sejumlah 16 permohonan telah diterima menerusi Portal Rumahku yang dibuka sejak 2 Januari, 2019.
Daripada angka itu, sebanyak lima permohonan telah diluluskan manakala 11 lain sedang diproses.
“Ini menunjukkan perkembangan yang baik meskipun ia belum dihebohkan. Sekiranya ada peluang, kita akan melanjutkan dana ini melebihi tempoh dua tahun yand disasarkan, bergantung kepada permintaan,” katanya.
Menurut Lim, inisiatif itu juga antara tiga streategi yang dirangka kerajaan bagi menangani masalah pemilikan rumah di Malaysia.
BNM misalnya, turut bekerjasama dengan institusi kewangan lain bagi memperkenalkan langkah baharu membantu pemilik rumah pertama dengan pendapatan isi rumah di bawah RM5,000 bagi pembelian rumah berharga sehingga RM300,000.
Beliau berkata, bagi peminjam pinjaman rumah pertama dengan pendapatan isi rumah sehingga RM5,000, kerajaan akan memperuntukkan RM25 juta kepada Cagamas Bhd bagi menyediakan jaminan pajakan untuk memastikan peminjam mendapat pembiayaan lebih tinggi termasuk deposit.
Selain itu, kata Lim, kerajaan menerusi usaha sama dengan penggiat industri, akan mengumumkan langkah bagi menangani unit kediaman yang tidak terjual, minggu ini.
Menurutnya, unit tidak terjual itu telah meningkat 48 peratus kepada 30,115 unit setakat suku ketiga tahun lepas berbanding suku sama pada 2017.
“Ini mencerminkan cabaran kemampuan memiliki rumah yang berlanjutan serta ketidakpadanan antara permintaan dan penawaran rumah di pasaran,” katanya.
Setakat November 2018, jumlah pinjaman gadai janji di Malaysia meningkat 7.7 peratus kepada RM555.5 bilion yang mana 70 peratus merangkumi pembeli rumah dengan hartanah berharga di bawah RM500,000. — Bernama
Kebanyakan mangsa yang terjerat dengan pinjaman tak wujud terdesak untuk mendapatkankan wang untuk tujuan tertentu dan ada yang mengalami masalah hutang serius.
Timbalan Dekan Pusat Pengajian Pembangunan Sosial dan Ekonomi, Universiti Malaysia Terengganu (UMT), Prof Madya Dr Ruhani Mat Min berkata, dalam keadaan terdesak, mangsa tidak dapat berfikir panjang dan menerima tawaran 'pinjaman' tersebut walaupun dikenakan beberapa syarat.
"Orang nak meminjam duit mesti ada sebab. Kebiasaan perkara tersebut (meminjam) memang merupakan satu keperluan mendesak pada waktu tersebut dan menyebabkan dia terpaksa mencari peminjam wang. RUHANI
"Dalam keadaan ini, dia berada pada satu tahap pemikiran perlu dapatkan duit untuk selesaikan hutang atau masalah dia sehingga dia menerima apa juga syarat seperti membayar wang pendahulan kepada sindiket tersebut," katanya.
Justeru, kata Ruhani, orang ramai mengalami masalah hutang dan kewangan serius seharusnya mendapatkan nasihat daripada pakar seperti Agensi Kaunseling dan Pengurusan Kredit (AKPK).
Menurutnya, ia langkah terbaik untuk mengelakkan orang ramai tertipu selain mendapatkan nasihat lebih tepat dengan situasi kewangan dihadapi.
"Kebanyakan mangsa ini biasanya malu untuk berbincang dengan orang lain tentang masalah mereka hadapi. Jadi, pakar kaunseling atau AKPK ini adalah pihak tepat untuk mereka mengadu masalah," katanya.
Kebanyakan mangsa yang terjerat dengan pinjaman tak wujud terdesak untuk mendapatkankan wang untuk tujuan tertentu dan ada yang mengalami masalah hutang serius.
Timbalan Dekan Pusat Pengajian Pembangunan Sosial dan Ekonomi, Universiti Malaysia Terengganu (UMT), Prof Madya Dr Ruhani Mat Min berkata, dalam keadaan terdesak, mangsa tidak dapat berfikir panjang dan menerima tawaran 'pinjaman' tersebut walaupun dikenakan beberapa syarat.
"Orang nak meminjam duit mesti ada sebab. Kebiasaan perkara tersebut (meminjam) memang merupakan satu keperluan mendesak pada waktu tersebut dan menyebabkan dia terpaksa mencari peminjam wang. RUHANI
"Dalam keadaan ini, dia berada pada satu tahap pemikiran perlu dapatkan duit untuk selesaikan hutang atau masalah dia sehingga dia menerima apa juga syarat seperti membayar wang pendahulan kepada sindiket tersebut," katanya.
Justeru, kata Ruhani, orang ramai mengalami masalah hutang dan kewangan serius seharusnya mendapatkan nasihat daripada pakar seperti Agensi Kaunseling dan Pengurusan Kredit (AKPK).
Menurutnya, ia langkah terbaik untuk mengelakkan orang ramai tertipu selain mendapatkan nasihat lebih tepat dengan situasi kewangan dihadapi.
"Kebanyakan mangsa ini biasanya malu untuk berbincang dengan orang lain tentang masalah mereka hadapi. Jadi, pakar kaunseling atau AKPK ini adalah pihak tepat untuk mereka mengadu masalah," katanya.
Jan 28, 2019 | SinarHarianOnline
Kebanyakan mangsa yang terjerat dengan pinjaman tak wujud terdesak untuk mendapatkankan wang untuk tujuan tertentu dan ada yang mengalami masalah hutang serius.
Timbalan Dekan Pusat Pengajian Pembangunan Sosial dan Ekonomi, Universiti Malaysia Terengganu (UMT), Prof Madya Dr Ruhani Mat Min berkata, dalam keadaan terdesak, mangsa tidak dapat berfikir panjang dan menerima tawaran 'pinjaman' tersebut walaupun dikenakan beberapa syarat.
"Orang nak meminjam duit mesti ada sebab. Kebiasaan perkara tersebut (meminjam) memang merupakan satu keperluan mendesak pada waktu tersebut dan menyebabkan dia terpaksa mencari peminjam wang. RUHANI
"Dalam keadaan ini, dia berada pada satu tahap pemikiran perlu dapatkan duit untuk selesaikan hutang atau masalah dia sehingga dia menerima apa juga syarat seperti membayar wang pendahulan kepada sindiket tersebut," katanya.
Justeru, kata Ruhani, orang ramai mengalami masalah hutang dan kewangan serius seharusnya mendapatkan nasihat daripada pakar seperti Agensi Kaunseling dan Pengurusan Kredit (AKPK).
Menurutnya, ia langkah terbaik untuk mengelakkan orang ramai tertipu selain mendapatkan nasihat lebih tepat dengan situasi kewangan dihadapi.
"Kebanyakan mangsa ini biasanya malu untuk berbincang dengan orang lain tentang masalah mereka hadapi. Jadi, pakar kaunseling atau AKPK ini adalah pihak tepat untuk mereka mengadu masalah," katanya.
KUALA LUMPUR 15 Nov. – Peningkatan jumlah pembiayaan peribadi dalam kalangan rakyat disifatkan sebagai membimbangkan apatah lagi kebanyakan peminjam tidak mempunyai pendidikan dan kemahiran pengurusan kewangan yang betul.
Apa yang lebih merisaukan, pembiayaan peribadi yang merangkumi 4.47 peratus nisbah keseluruhan jumlah tunggakan pembiayaan adalah dua kali ganda lebih tinggi berbanding tunggakan kredit kad dalam suku ketiga tahun ini.
Malah, Timbalan Perdana Menteri, Datuk Seri Dr. Wan Azizah Wan Ismail berkata, kebanyakan peminjam menjadikan pembiayaan peribadi sebagai ‘jalan keluar’ bagi membayar semula tunggakan pinjaman lain termasuk kredit kad.
Beliau berkata, tindakan itu bukanlah jalan penyelesaian terbaik bagi mengurangkan pinjaman sebaliknya hanya menggandakan lagi bebanan kewangan peminjam.
“Institusi kewangan kadangkala menawarkan pinjaman sedemikian disebabkan caj bagi pembiayaan peribadi adalah lebih rendah jika dibandingkan dengan kredit kad. Namun, jika diteliti ‘penyelesaian’ itu hanya menambahkan liabiliti seseorang individu.
“Tanpa disiplin kewangan yang betul, sesetengah peminjam bukan sahaja membayar ansuran bulanan pembiayaan peribadi, malah dalam masa sama menambah perbelanjaan kredit kad baharu,” katanya dalam majlis perasmian Simposium Celik Kewangan Agensi Kaunseling dan Pengurusan Kredit (AKPK) di sini hari ini.
Simposium bertemakan ‘Kelakuan Kewangan demi Kualiti Hayat’ yang julung kali diadakan itu dihadiri lebih 300 peserta daripada pelbagai sektor bagi menentukan hala tuju sesuatu polisi berkaitan pendidikan kewangan dalam usaha mendidik masyarakat mengurus kewangan dengan baik.
Yang turut hadir, Pengerusi AKPK, Anuar Mohd. Hassan dan Ketua Pegawai Eksekutif AKPK, Azaddin Ngah Tasir.
Selepas merasmikan simposium berkenaan, Wan Azizah yang juga Menteri Pembangunan Wanita, Keluarga dan Masyarakat turut melancarkan Laporan Kaji Selidik Kelakuan Kewangan Dalam Kalangan Pekerja, kajian pertama dijalankan agensi tersebut melibatkan lebih 3,500 pekerja seluruh negara.
KUALA LUMPUR 15 Nov. – Peningkatan jumlah pembiayaan peribadi dalam kalangan rakyat disifatkan sebagai membimbangkan apatah lagi kebanyakan peminjam tidak mempunyai pendidikan dan kemahiran pengurusan kewangan yang betul.
Apa yang lebih merisaukan, pembiayaan peribadi yang merangkumi 4.47 peratus nisbah keseluruhan jumlah tunggakan pembiayaan adalah dua kali ganda lebih tinggi berbanding tunggakan kredit kad dalam suku ketiga tahun ini.
Malah, Timbalan Perdana Menteri, Datuk Seri Dr. Wan Azizah Wan Ismail berkata, kebanyakan peminjam menjadikan pembiayaan peribadi sebagai ‘jalan keluar’ bagi membayar semula tunggakan pinjaman lain termasuk kredit kad.
Beliau berkata, tindakan itu bukanlah jalan penyelesaian terbaik bagi mengurangkan pinjaman sebaliknya hanya menggandakan lagi bebanan kewangan peminjam.
“Institusi kewangan kadangkala menawarkan pinjaman sedemikian disebabkan caj bagi pembiayaan peribadi adalah lebih rendah jika dibandingkan dengan kredit kad. Namun, jika diteliti ‘penyelesaian’ itu hanya menambahkan liabiliti seseorang individu.
“Tanpa disiplin kewangan yang betul, sesetengah peminjam bukan sahaja membayar ansuran bulanan pembiayaan peribadi, malah dalam masa sama menambah perbelanjaan kredit kad baharu,” katanya dalam majlis perasmian Simposium Celik Kewangan Agensi Kaunseling dan Pengurusan Kredit (AKPK) di sini hari ini.
Simposium bertemakan ‘Kelakuan Kewangan demi Kualiti Hayat’ yang julung kali diadakan itu dihadiri lebih 300 peserta daripada pelbagai sektor bagi menentukan hala tuju sesuatu polisi berkaitan pendidikan kewangan dalam usaha mendidik masyarakat mengurus kewangan dengan baik.
Yang turut hadir, Pengerusi AKPK, Anuar Mohd. Hassan dan Ketua Pegawai Eksekutif AKPK, Azaddin Ngah Tasir.
Selepas merasmikan simposium berkenaan, Wan Azizah yang juga Menteri Pembangunan Wanita, Keluarga dan Masyarakat turut melancarkan Laporan Kaji Selidik Kelakuan Kewangan Dalam Kalangan Pekerja, kajian pertama dijalankan agensi tersebut melibatkan lebih 3,500 pekerja seluruh negara.
Nov 16, 2018 | UtusanMalaysiaOnline
KUALA LUMPUR 15 Nov. – Peningkatan jumlah pembiayaan peribadi dalam kalangan rakyat disifatkan sebagai membimbangkan apatah lagi kebanyakan peminjam tidak mempunyai pendidikan dan kemahiran pengurusan kewangan yang betul.
Apa yang lebih merisaukan, pembiayaan peribadi yang merangkumi 4.47 peratus nisbah keseluruhan jumlah tunggakan pembiayaan adalah dua kali ganda lebih tinggi berbanding tunggakan kredit kad dalam suku ketiga tahun ini.
Malah, Timbalan Perdana Menteri, Datuk Seri Dr. Wan Azizah Wan Ismail berkata, kebanyakan peminjam menjadikan pembiayaan peribadi sebagai ‘jalan keluar’ bagi membayar semula tunggakan pinjaman lain termasuk kredit kad.
Beliau berkata, tindakan itu bukanlah jalan penyelesaian terbaik bagi mengurangkan pinjaman sebaliknya hanya menggandakan lagi bebanan kewangan peminjam.
“Institusi kewangan kadangkala menawarkan pinjaman sedemikian disebabkan caj bagi pembiayaan peribadi adalah lebih rendah jika dibandingkan dengan kredit kad. Namun, jika diteliti ‘penyelesaian’ itu hanya menambahkan liabiliti seseorang individu.
“Tanpa disiplin kewangan yang betul, sesetengah peminjam bukan sahaja membayar ansuran bulanan pembiayaan peribadi, malah dalam masa sama menambah perbelanjaan kredit kad baharu,” katanya dalam majlis perasmian Simposium Celik Kewangan Agensi Kaunseling dan Pengurusan Kredit (AKPK) di sini hari ini.
Simposium bertemakan ‘Kelakuan Kewangan demi Kualiti Hayat’ yang julung kali diadakan itu dihadiri lebih 300 peserta daripada pelbagai sektor bagi menentukan hala tuju sesuatu polisi berkaitan pendidikan kewangan dalam usaha mendidik masyarakat mengurus kewangan dengan baik.
Yang turut hadir, Pengerusi AKPK, Anuar Mohd. Hassan dan Ketua Pegawai Eksekutif AKPK, Azaddin Ngah Tasir.
Selepas merasmikan simposium berkenaan, Wan Azizah yang juga Menteri Pembangunan Wanita, Keluarga dan Masyarakat turut melancarkan Laporan Kaji Selidik Kelakuan Kewangan Dalam Kalangan Pekerja, kajian pertama dijalankan agensi tersebut melibatkan lebih 3,500 pekerja seluruh negara.
PETALING JAYA: One out of five working adults did not manage to save any money over the last six months, a survey has shown.
The Debt Management and Counselling Agency (AKPK) survey also found that three out of 10 working adults had to borrow money to buy essential goods.
AKPK chief executive officer Azaddin Ngah Tasir said the majority involved either earned less than RM2,000 or were self-employed.
“The main reason why many of them were unable to save was the high cost of living,” he told reporters.
Deputy Prime Minister Datuk Seri Dr Wan Azizah Wan Ismail had earlier launched AKPK’S inaugural financial behaviour survey report at its Financial Literacy Symposium 2018.
The survey, from January to July, involved more than 3,500 Malaysian working adults. Six advisers from public and private institutions of higher learning were engaged.
“As shown by the survey, the financial well-being of the respondents was at dismal levels.
“Many did not set aside money for emergency needs and medical expenses. They would not be able to cover three months of expenses if retrenched,” said Azaddin.
The survey also found that government employees formed the highest percentage of borrowers of personal loans and that more than half of those about to retire were still servicing housing and car loans.
It also found that those working in the agriculture, security and enforcement sectors scored lowest on financial well-being.
In her speech, Dr Wan Azizah said as of September, 13,338 Malaysians were declared bankrupt.
She said financial planning did not start only when one encountered financial problems and that all should have a financial budget.
“The Finance Minister presented the national budget two weeks ago, which among others, outlined the country’s revenues and expenses.
“Why can’t we, then, as individuals start with an annual or a monthly financial budget, outlining our own incomes and expenses for the period?” she asked.
PETALING JAYA: One out of five working adults did not manage to save any money over the last six months, a survey has shown.
The Debt Management and Counselling Agency (AKPK) survey also found that three out of 10 working adults had to borrow money to buy essential goods.
AKPK chief executive officer Azaddin Ngah Tasir said the majority involved either earned less than RM2,000 or were self-employed.
“The main reason why many of them were unable to save was the high cost of living,” he told reporters.
Deputy Prime Minister Datuk Seri Dr Wan Azizah Wan Ismail had earlier launched AKPK’S inaugural financial behaviour survey report at its Financial Literacy Symposium 2018.
The survey, from January to July, involved more than 3,500 Malaysian working adults. Six advisers from public and private institutions of higher learning were engaged.
“As shown by the survey, the financial well-being of the respondents was at dismal levels.
“Many did not set aside money for emergency needs and medical expenses. They would not be able to cover three months of expenses if retrenched,” said Azaddin.
The survey also found that government employees formed the highest percentage of borrowers of personal loans and that more than half of those about to retire were still servicing housing and car loans.
It also found that those working in the agriculture, security and enforcement sectors scored lowest on financial well-being.
In her speech, Dr Wan Azizah said as of September, 13,338 Malaysians were declared bankrupt.
She said financial planning did not start only when one encountered financial problems and that all should have a financial budget.
“The Finance Minister presented the national budget two weeks ago, which among others, outlined the country’s revenues and expenses.
“Why can’t we, then, as individuals start with an annual or a monthly financial budget, outlining our own incomes and expenses for the period?” she asked.
Nov 16, 2018 | TheStarOnline
PETALING JAYA: One out of five working adults did not manage to save any money over the last six months, a survey has shown.
The Debt Management and Counselling Agency (AKPK) survey also found that three out of 10 working adults had to borrow money to buy essential goods.
AKPK chief executive officer Azaddin Ngah Tasir said the majority involved either earned less than RM2,000 or were self-employed.
“The main reason why many of them were unable to save was the high cost of living,” he told reporters.
Deputy Prime Minister Datuk Seri Dr Wan Azizah Wan Ismail had earlier launched AKPK’S inaugural financial behaviour survey report at its Financial Literacy Symposium 2018.
The survey, from January to July, involved more than 3,500 Malaysian working adults. Six advisers from public and private institutions of higher learning were engaged.
“As shown by the survey, the financial well-being of the respondents was at dismal levels.
“Many did not set aside money for emergency needs and medical expenses. They would not be able to cover three months of expenses if retrenched,” said Azaddin.
The survey also found that government employees formed the highest percentage of borrowers of personal loans and that more than half of those about to retire were still servicing housing and car loans.
It also found that those working in the agriculture, security and enforcement sectors scored lowest on financial well-being.
In her speech, Dr Wan Azizah said as of September, 13,338 Malaysians were declared bankrupt.
She said financial planning did not start only when one encountered financial problems and that all should have a financial budget.
“The Finance Minister presented the national budget two weeks ago, which among others, outlined the country’s revenues and expenses.
“Why can’t we, then, as individuals start with an annual or a monthly financial budget, outlining our own incomes and expenses for the period?” she asked.
KUALA LUMPUR, Nov 15 (Bernama) – The Malaysia Department of Insolvency says 64,632 Malaysians aged between 18 and 44 have been declared bankrupt over the last five years.
Additionally, 13,338 have also been declared bankrupt as of September this year.
The data highlights the importance of financial literacy in family institutions, said Deputy Prime Minister Datuk Seri Dr Wan Azizah Wan Ismail.
"Financial education, is in fact, critical to the stability and resilience of the family institutions which in turn leads to a financially strong and prudent nation.
“I strongly believe fiscal discipline starts at home. Parents have an important role to play in educating their children on this," she added.
Wan Azizah, who is also the Minister of Women, Family and Community Development, said this in her opening remarks at the Debt Management and Counselling Agency’s (AKPK) inaugural Financial Literacy Symposium 2018, here today.
"I understand that some non-profit organisations and financial institutions have also conducted financial literacy programmes in schools, aimed at teaching children to differentiate between needs and wants.
"Initiatives such as these should be applauded and I hope more financial literacy programmes will be carried out among school children," she said.
Wan Azizah added that it was important for agencies such as the AKPK and other stakeholders to conduct financial literacy programmes for parents on ways to develop the right financial attitudes among their children.
-- BERNAMA
KUALA LUMPUR, Nov 15 (Bernama) – The Malaysia Department of Insolvency says 64,632 Malaysians aged between 18 and 44 have been declared bankrupt over the last five years.
Additionally, 13,338 have also been declared bankrupt as of September this year.
The data highlights the importance of financial literacy in family institutions, said Deputy Prime Minister Datuk Seri Dr Wan Azizah Wan Ismail.
"Financial education, is in fact, critical to the stability and resilience of the family institutions which in turn leads to a financially strong and prudent nation.
“I strongly believe fiscal discipline starts at home. Parents have an important role to play in educating their children on this," she added.
Wan Azizah, who is also the Minister of Women, Family and Community Development, said this in her opening remarks at the Debt Management and Counselling Agency’s (AKPK) inaugural Financial Literacy Symposium 2018, here today.
"I understand that some non-profit organisations and financial institutions have also conducted financial literacy programmes in schools, aimed at teaching children to differentiate between needs and wants.
"Initiatives such as these should be applauded and I hope more financial literacy programmes will be carried out among school children," she said.
Wan Azizah added that it was important for agencies such as the AKPK and other stakeholders to conduct financial literacy programmes for parents on ways to develop the right financial attitudes among their children.
-- BERNAMA
Nov 16, 2018 | BernamaOnline
KUALA LUMPUR, Nov 15 (Bernama) – The Malaysia Department of Insolvency says 64,632 Malaysians aged between 18 and 44 have been declared bankrupt over the last five years.
Additionally, 13,338 have also been declared bankrupt as of September this year.
The data highlights the importance of financial literacy in family institutions, said Deputy Prime Minister Datuk Seri Dr Wan Azizah Wan Ismail.
"Financial education, is in fact, critical to the stability and resilience of the family institutions which in turn leads to a financially strong and prudent nation.
“I strongly believe fiscal discipline starts at home. Parents have an important role to play in educating their children on this," she added.
Wan Azizah, who is also the Minister of Women, Family and Community Development, said this in her opening remarks at the Debt Management and Counselling Agency’s (AKPK) inaugural Financial Literacy Symposium 2018, here today.
"I understand that some non-profit organisations and financial institutions have also conducted financial literacy programmes in schools, aimed at teaching children to differentiate between needs and wants.
"Initiatives such as these should be applauded and I hope more financial literacy programmes will be carried out among school children," she said.
Wan Azizah added that it was important for agencies such as the AKPK and other stakeholders to conduct financial literacy programmes for parents on ways to develop the right financial attitudes among their children.
-- BERNAMA
KUALA LUMPUR: A recent survey has shown that 22% of Malaysians do not keep track of their savings, and 24% do not keep a budget and financial records.
Visa Country Manager for Malaysia Ng Koon Boon said this at the launch of the "Treat Your Money Right" initiative which is a collaborative between credit card services provider Visa and the Credit Counselling and Debt Management Agency (AKPK) in conjunction with World Savings Day.
Ng added also revealed other interesting insights into Malaysians' money management behaviour derived from the Visa Financial Literacy Study 2018 survey.
"Sixty percent of Malaysians keep enough money to meet their basic needs, 67% consider saving for emergencies as their ultimate motivation, 45% have a hard time-saving money and 54% try to give away as much of their money as possible to good causes and social investments," he said.
Ng said the study proved that it was important for Malaysians to understand their individual money management styles.
"Partnering with AKPK to launch this campaign is apt since our research shows a number of Malaysians have room to improve their budgeting and saving techniques.
"We believe that all Malaysians should learn how to manage their finances to plan and prepare for various stages of their lives so that they can have a better future" he said.
AKPK general manager Azman Hasim hopes to encourage as many Malaysians to take a more active interest in planning their finances and not just focus on savings.
"The first step in becoming better at anything, especially on the topic of money, is to challenge yourself (to better manage your finances)," he said.
Visa and AKPK invite members of the public to challenge themselves in the "Treat Your Money Right" Facebook competition.
The competition welcomes participants to take the" what's your money management personality? "quiz and share a savings tip and an anecdote that best describes their best money management personality on Facebook.
The Facebook competition began today and ends on Nov 14.
Participants stand a chance to win RM5,000 and eight units of Apple watch Series 3 amongst other prizes.
KUALA LUMPUR: A recent survey has shown that 22% of Malaysians do not keep track of their savings, and 24% do not keep a budget and financial records.
Visa Country Manager for Malaysia Ng Koon Boon said this at the launch of the "Treat Your Money Right" initiative which is a collaborative between credit card services provider Visa and the Credit Counselling and Debt Management Agency (AKPK) in conjunction with World Savings Day.
Ng added also revealed other interesting insights into Malaysians' money management behaviour derived from the Visa Financial Literacy Study 2018 survey.
"Sixty percent of Malaysians keep enough money to meet their basic needs, 67% consider saving for emergencies as their ultimate motivation, 45% have a hard time-saving money and 54% try to give away as much of their money as possible to good causes and social investments," he said.
Ng said the study proved that it was important for Malaysians to understand their individual money management styles.
"Partnering with AKPK to launch this campaign is apt since our research shows a number of Malaysians have room to improve their budgeting and saving techniques.
"We believe that all Malaysians should learn how to manage their finances to plan and prepare for various stages of their lives so that they can have a better future" he said.
AKPK general manager Azman Hasim hopes to encourage as many Malaysians to take a more active interest in planning their finances and not just focus on savings.
"The first step in becoming better at anything, especially on the topic of money, is to challenge yourself (to better manage your finances)," he said.
Visa and AKPK invite members of the public to challenge themselves in the "Treat Your Money Right" Facebook competition.
The competition welcomes participants to take the" what's your money management personality? "quiz and share a savings tip and an anecdote that best describes their best money management personality on Facebook.
The Facebook competition began today and ends on Nov 14.
Participants stand a chance to win RM5,000 and eight units of Apple watch Series 3 amongst other prizes.
Nov 01, 2018 | TheSunDaily
KUALA LUMPUR: A recent survey has shown that 22% of Malaysians do not keep track of their savings, and 24% do not keep a budget and financial records.
Visa Country Manager for Malaysia Ng Koon Boon said this at the launch of the "Treat Your Money Right" initiative which is a collaborative between credit card services provider Visa and the Credit Counselling and Debt Management Agency (AKPK) in conjunction with World Savings Day.
Ng added also revealed other interesting insights into Malaysians' money management behaviour derived from the Visa Financial Literacy Study 2018 survey.
"Sixty percent of Malaysians keep enough money to meet their basic needs, 67% consider saving for emergencies as their ultimate motivation, 45% have a hard time-saving money and 54% try to give away as much of their money as possible to good causes and social investments," he said.
Ng said the study proved that it was important for Malaysians to understand their individual money management styles.
"Partnering with AKPK to launch this campaign is apt since our research shows a number of Malaysians have room to improve their budgeting and saving techniques.
"We believe that all Malaysians should learn how to manage their finances to plan and prepare for various stages of their lives so that they can have a better future" he said.
AKPK general manager Azman Hasim hopes to encourage as many Malaysians to take a more active interest in planning their finances and not just focus on savings.
"The first step in becoming better at anything, especially on the topic of money, is to challenge yourself (to better manage your finances)," he said.
Visa and AKPK invite members of the public to challenge themselves in the "Treat Your Money Right" Facebook competition.
The competition welcomes participants to take the" what's your money management personality? "quiz and share a savings tip and an anecdote that best describes their best money management personality on Facebook.
The Facebook competition began today and ends on Nov 14.
Participants stand a chance to win RM5,000 and eight units of Apple watch Series 3 amongst other prizes.