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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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Sustainable business finances for growth and success


AKPK provides an SME Self-Diagnostic Financial Advisory Toolkit simply known as MyBijakNiaga to help businesses plan, Control and Manage their financial activities.

MyBijakNiaga will be beneficial for micro-SMEs to record its financial transactions and to gauge its financial soundness.

If you are a new entrepreneur and lack the knowledge and experience in basic bookkeeping, here you can track your sales and profit for banking purposes!

This is a personalised self-help financial management tool for SMEs in Malaysia.

MyBijakNiaga aims to assist SMEs to perform a general scan of their financial health and provide a quick assessment summary of their financial management capabilities and business profiles—any time and anywhere—to facilitate SMEs’ financial planning & decision-making.


How is this done?


Firstly, the user is required to answer a series of simple questions, such as “how much is your sales”, “Is your sales in cash or credit terms?”, “How long is the credit term?”, and “When do you need to restock?”.

Secondly, MyBijakNiaga will then automatically calculate and provide an ‘easy-to-understand’ and practical financial analysis that would prompt SMEs to answer further questions such as “What is the minimum sale required to breakeven?”, “How much working capital do you need?”, and “When might you experience a cash shortfall?”

Thirdly, MyBijakNiaga will provide “bite-size tips” to advise SMEs on the next best course of action to manage their financial health based on the financial analysis and assessment, for example, “How could I improve my working capital?” and “What should I do if I experience a cash shortfall?”

Fourthly, the webpage helps provide SMEs with a proper book-keeping system, and the ability record simple business transactions and produce appropriate financial statements. SMEs are then able to make sound and holistic business decisions.


Click on the following to try it out :


Financial Modelling

Instantly analyse your business growth and understand your funding

Business Profiling

Answer a series of simple questions and see an instant profile of your business financial health

Capabilities Profiling

Provide guidance to measure your business financial management capabilities

Learn More

Learn and refine your financial management skills with our workshops and courses



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