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We are back at out branch office starting 3 Jan 2023| AKPK Pulau Pinang, AKPK Johor Bahru, AKPK Kuching

Updates as at 30 December 2022. Subject to amendments and further information.


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AKPK Service Charter


The Agensi Kaunseling dan Pengurusan Kredit (AKPK) aspires to be a trusted and leading authority in financial wellness, empowering a financially resilient society and contributing to national socio-economic goals.

As an organisation, we strive to be the best in the industry by investing in our people and enabling technology and processes to adapt to the changing needs of our customers and the markets. We are strong advocates of the Voice of Customers and welcome both positive as well as constructive feedback because every voice matters. The endgame is to see your feedback acted upon with delight.


To fulfil our promise of delivering a memorable Customer Experience (CX) with the ‘’6 Senses’’, we commit to:



Serve our customers with empathic courtesy and professionalism.



Strive to provide our customers with the right advice based on their unique individual circumstances.



Handle requests, enquiries and concerns promptly.



Provide convenient accessibility through various physical and virtual platforms.



Welcome suggestions and feedback in building trust and meaningful relationships.



Endeavour proactively in enhancing service delivery to create a memorable experience.

As a customer of AKPK, you can help create a pleasant experience by:

Holding back unsavoury behaviour.
Providing accurate & complete information as required.
Keeping a check on time and promises.
Undertaking responsibility for own decisions.
Complying with AKPK’s agreement of service.

We believe that great service will build trust both ways and maintain the immersive experience—with Empathy at the core and Customer Experience as a priority of every single personnel.


We shall carry out AKPK Service Charter by maintaining decorum and being clear in our communications to create a win-win outcome for everyone.

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The world we live in is increasingly complex, especially for the youths, and they will eventually need to take charge of their future and finances. Financial education in the tertiary stage is for those between the ages of 18 to 25 currently pursuing post-secondary education. Providing them with the appropriate financial know-how at this point will build up their competence in dealing with future financial decisions. This module focuses on cash flow management, the importance of savings and setting up a budget, internet banking and other appropriate topics for university and college students.

Entering Workforce

This stage comprises those between the ages of 20 to 30, i.e. mainly those who are just starting out in life. Financial education is essential to this age group as they learn to be independent in most matters especially financial management. In their minds, a car is a want rather than a need, and normally sits at the top of their list of things to acquire. Our Entering Workforce module focuses on understanding the fundamentals of borrowing and the importance of borrowing productively to encourage positive net worth. Financial education at this stage is also aimed at inculcating the habit of managing debts wisely. The module also introduces the fundamentals of investments and the importance of insurance for a better tomorrow.

Starting and Raising a Family

The module for the next life stage is for those who are starting and raising a family. People in this category are approaching that time in their life when they will normally experience important and meaningful life’s milestones: marriage, children and a new home. Designed for those between 30 to 40 years of age, this module will focus on settling unproductive loans while reducing debt commitments as they prepare for retirement. Emphasis will again be placed on the importance of planning for and protecting against uncertainties by talking about the types of financial tools available. They will learn the various types of insurance policies and be able to decide on the best coverage based on their affordability for their precious family. Education will also be given on the appropriate investments that will provide passive income for a better tomorrow.


The transition from working to retiring involves many tough decisions regarding income and lifestyle needs and whether one plans to ease into retirement or otherwise, while considering factors such as wealth management, whether a pension is enjoyed, and EPF balances. These are big decisions with long-term impact on their financial well-being during retirement. To make the best choices, they require sufficient knowledge and intense awareness of how they want to live through their retirement years. Therefore, our pre-retirement module will prepare them for retirement by teaching them the proper use of their investments and review of their portfolio while servicing their insurance policies and settling unproductive debts to improve their net worth positively.

Post – Retirement

You have retired. How would you manage your money now? Considering that the average life expectancy in Malaysia has improved, it is more important now than ever to ensure that you have the financial resources to live a comfortable and happy lifestyle—particularly if you are looking forward to retiring with peace of mind. Taking care of your wealth and making it last are important at this stage. Financial literacy and education is a continuous life lesson that does not end at retirement. Now, more than ever, you need to manage your finances wisely and plan for the unexpected. Our post-retirement module is focused on those who are currently transitioning into retirement or are in the early stages of retirement.

Early Adulthood
Adult – Middle Adulthood