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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.


You’re Now at

AKPK's One Stop Portal



Knowing your business

  • Be honest in identifying the underlying causes of your business and financial distress.
  • Set out clear goals and plans on how to turn the business around and identify what is required.
  • Be aware of the various avenues and assistance available to SMEs depending on each category (micro, small, medium enterprises) and the different types of creditors where debt management is required.
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Getting the right help from the right place

  • For banking facilities, businesses may approach their banks to seek repayment assistance.
  • Repayment assistance will give some reprieve and will benefit both the SMEs and the banks. If approved:
    1. the SMEs will have breathing space to enable them to focus on turning their business around while avoiding expensive legal costs should banks pursue legal actions; whilst for the banks,
    2. it helps in ensuring continued repayments by the borrowers.
  • The SMEs must be aware that banks are in the business of lending and carry the fiduciary duty and responsibility to manage their depositors’ savings/ investments.
  • If the SMEs and their banks cannot reach an agreement on the repayment assistance/ R&R, the SMEs may approach AKPK for assistance under the Debt Management programme (for sole proprietors) or the Small Debt Resolution Scheme (SDRS). The SDRS provides a platform for FIs and SMEs to work out possible debt rehabilitation solutions amicably and collectively thus avoiding legal proceedings.
  • Corporate rescue mechanisms are available under the Companies Act 2016. These include Judicial Management, Schemes of Arrangement and Corporate Voluntary Arrangements. The rescue mechanisms are intended to deal with all creditors and not just banks.
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Making Discussions Effective & Objective

  • Identify the reasons leading to the present distressed situation.
  • Determine if the business is to be continued or ceased—either temporarily or permanently.
  • Ascertain the amount of funds/ cash required to sustain business operations and the action plans to ensure its continuity.
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Apply Small Debt Resolution
Scheme (SDRS) Now

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Get More Help with Micro
Enterprise Help Desk (MEHD)

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Want to learn more about financial landscape, financial planning and other relevant knowledge for your business? Check out our Financial Education section to be more financially equipped!

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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