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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 One Stop Portal


The Advisory Experience

During consultation, the financial advisor will gauge the SMEs’ level of indebtedness and ability to fulfil their financing repayment obligations.
As the financial advisor provides guidance in choosing the appropriate solutions to address their financial distress, SMEs will also be given insightful information on the effects of their choices. SMEs will be able to weigh the pros and cons while considering the costs involved:
  • 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 its responsibilities to the financial institution.
In addition to that, the financial advisor will also provide:
  • necessary advice on maintaining financial documentation, i.e. audited account, financial management reports, the adaptation of e-payment technologies to address issues on business transactions and sales, budget, cash flow etc.
  • other possible avenues for eligible SMEs to seek further financing through several entities, i.e. government-related agencies or alternate financiers such as Peer-to-Peer (P2P) financing and Equity Crowd Funding (ECF).
For access to financing from the best matched financing facility available in the market, SMEs are advised to take full advantage of imSME as a referral platform. To apply, SMEs can visit for details.
Effective credit management can help reinvigorate SMEs’ performance and further enhance their chances of obtaining future loans from the financial institutions as well as non-financial institutions. This indirectly helps the economy of the country and also preserve the well-being of income sources while further enhancing the competitiveness of our SMEs in the future.

* *If it is affordable, SMEs are advised to resume their financing repayment obligations as any unnecessary decision to defer the instalments or to restructure or reschedule the financing will eventually increase the overall cost of debt that the SMEs have to repay in the future.


Financial Advisory Schedule

The service is available at all AKPK branches across the nation from 9am to 4:30pm. Please note that we are closed on public holidays

All AKPK Branches
Monday to Friday
9am - 4:30pm
Kota Bharu & Kuala Terengganu
Sunday to Thursday
9am - 4:30pm
All AKPK Branches
Monday to Friday

9am - 4:30pm
Kota Bharu & Kuala Terengganu
Sunday to Thursday

9am - 4:30pm

Targeted Repayment Assistance

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Repayment Assistance (RA) Packages By Financial Institutions

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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