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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’s Financial Advisory for SMEs

What We Offer

Financial Advisory Service by AKPK provides a platform for SMEs (registered as company or business partnership or sole proprietorship) to seek advice related to loan repayment obligations to financial institutions.

SMEs play a crucial role in the economy, shaping the lives of the people that they employ as well as the nation. This financial advisory service is one of the ongoing efforts by AKPK to support the economy by imparting money management skills and helping SMEs gain a solid footing in their finances in order to remain resilient during challenging times and beyond.

Experienced AKPK Financial Advisors (FA) will assist SMEs:

  • To obtain more information regarding additional financing facilities by the government.
  • To obtain flexibility in loan repayment through assistance from financial institutions and several other initiatives including programmes under AKPK, namely the Small Debt Resolution Scheme (SDRS) for SMEs and the Debt Management Programme (DMP) for individuals and businesses under sole-proprietorship category.
What to Expect during Consultation

KPK Topics Coverage

Access to Financing

For access to financing, SMEs may opt to apply for loans/financing from banks, Development Financial Institutions (DFIs), government agencies, alternative financing through peer-to-peer lending and guarantee schemes.

For the best matched financing facility available in the market from financial institutions, SMEs are advised to maximise imSME as a referral platform by visiting for details.

Financial Management

Financial management is the practice of handling the business’s finances in a way that allows it to be successful and compliant with regulations.

It is important for a company to maintain a good financial management as any decisions taken will affect the financial condition of the company.


Credit Management

An effective credit management plan will help to protect the business’s cash flow, optimises performance as well as minimises the possibility that a default will adversely impact the business.

Effective credit management coupled with a good credit rating can help restore SMEs performance and further enhance their chances of obtaining future loans from the financial institutions as well as non-financial institutions.

Debt Management

The financial advisor will gauge the SMEs’ levels of indebtedness and ability to fulfil their obligations in servicing their financing repayment obligations.

In guiding the SMEs on the appropriate solutions to address their financial distress, the financial advisor will provide the necessary information on the effects of their choices (pros & cons/costs) i.e. restructuring, rescheduling and deferring existing loan repayments to the total entire loan amount as well as legal consequences i.e. recoveries process and winding-up of the company or guarantor being declared bankrupt if the company / business fails to fulfil their responsibilities to the financial institution.

Business Innovations

Advisory will be provided on the adaptation of e-payment technologies to address issues on business transactions and sales, budget, cash flow to lead to a positive change in the business and boost the business’s productivity.

It also includes advisory on risk management and insurance for business which aims to provide protection for financial, legal or operational risk which may be faced by the business and could negatively affect the business’s finances. The frequency and severity of such risks will depend on the type of services or goods provided by the company, the business's risk avoidance strategies and various external factors including geography and the overall economy.


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!

Discover More


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