Agensi Kaunseling dan Pengurusan Kredit (AKPK)

Agensi Kaunseling dan Pengurusan Kredit (AKPK) Amalkan Pengurusan Kewangan Berhemat Sebagai Budaya Hidup Learn how to handle debts responsibly for a better future. AKPK does not provide loans or financing.

AKPK services are:

Financial Education (FE)
Financial education programmes on basic money management skills as well as tips on how to use credit responsibly

Financial Advisory (FA)
Personal advice on managing your finances wisely - from budgeting, money management and credit related issues. Debt Management Programme (DMP)
Regain control of your life and your debts. Our counsellors will work wit

h you to develop a personalised debt repayment plan in consultation with your financial service providers (financial institutions under the purview of BNM). Small Debt Resolution Schene (SDRS)
SMEs and microenterprises facing business financing difficulties can obtain assistance from AKPK for amicable restructuring or rescheduling of their financing with the banks.

As of May 31, 2026, only 38.3% of the 7.94 million formal active members aged between 18 and 60 had saved enough to meet...
27/08/2026

As of May 31, 2026, only 38.3% of the 7.94 million formal active members aged between 18 and 60 had saved enough to meet the Basic Savings target.

This means over 61% of active working Malaysians are currently off track for a secure retirement.

This is a harsh wake up call, relying on "just enough" isn't going to cut it anymore.

Is it time to drastically rethink how we think, budget, save, and invest for our future?

Learn how your workforce can prepare for their golden years, at akpk.org.my for more information.

Scammers are evolving. Is your financial safety net evolving too?With millions lost to financial fraud and romance scams...
24/08/2026

Scammers are evolving. Is your financial safety net evolving too?

With millions lost to financial fraud and romance scams each year, staying informed is no longer optional. Financial resilience means having the tools, knowledge, and confidence to say: “Not today!”

Don’t let scammers put on rose tinted glasses for you.

Your best defense against financial fraud is a sharp mind. Let’s build your scam shield together! Reach out to us at akpk.org.my to get started.

Salam Maulidur Rasul 1448 H
24/08/2026

Salam Maulidur Rasul 1448 H

Merdeka bukan sekadar tentang kebebasan sebuah negara, tetapi juga tentang membina kebebasan untuk menentukan masa depan...
21/08/2026

Merdeka bukan sekadar tentang kebebasan sebuah negara, tetapi juga tentang membina kebebasan untuk menentukan masa depan dengan lebih yakin.

Dalam kewangan, ilmu adalah kunci. Dengan celik kewangan, kita lebih bijak membuat keputusan, lebih bersedia menghadapi cabaran dan lebih yakin merancang masa hadapan.

Kerana kemerdekaan kewangan bermula dengan ilmu dan tindakan.

Dapatkan nasihat kewangan yang sesuai dengan keadaan dan keperluan anda bersama Penasihat Kewangan AKPK melalui portal MyBijakKewangan kami.

Layari mybijakkewangan.akpk.org.my dan buat janji temu hari ini.

Bina Ilmu. Urus Kewangan. Kunci Kemerdekaan.

20/08/2026

Knowing where your money goes is key to sustaining a business.

For micro entrepreneurs, having a basic understanding of accounting can make a difference in managing the business. From planning your budget and managing expenses to allocating for marketing and salaries, knowing your numbers helps you make better financial decisions.

When it comes to salaries, keeping them within 25% of sales is an important consideration for business owners.

Watch the full discussion with Dato' Seri Dr. Abdul Malik Abdullah, Founder of D'Tandoor Group in The Insights: youtu.be/RW_wa5B3AlE?si=u0gGgrzKPPgCN3-O

Jadikan AKPK pilihan utama, bukan pilihan terakhir.Ramai yang berasa malu atau takut untuk mendapatkan bantuan AKPK, hin...
20/08/2026

Jadikan AKPK pilihan utama, bukan pilihan terakhir.

Ramai yang berasa malu atau takut untuk mendapatkan bantuan AKPK, hinggakan sanggup membiarkan masalah hutang berlarutan.

Hakikatnya, berurusan dengan AKPK bukannya tanda kegagalan, sebaliknya langkah bijak untuk mengelakkan kebankrapan dan membina semula kestabilan kewangan.

Jangan hadapinya seorang diri. Dapatkan nasihat kewangan secara PERCUMA daripada penasihat kami untuk jalan penyelesaian yang sesuai dengan keadaan anda.

Layari akpk.org.my hari ini.

When payday feels so near yet so far, ALIA has some answers that can help.More than just the answers, here's how ALIA sp...
19/08/2026

When payday feels so near yet so far, ALIA has some answers that can help.

More than just the answers, here's how ALIA speaks to you:

• Friendly: She opens with a welcoming, polite greeting ("I’m sorry to hear about your situation") and maintains an approachable tone throughout.

• Empathetic: She acknowledges the stress of being broke before payday without judgment and immediately offers supportive, practical steps.

• Service-Oriented: She directly addresses the user’s immediate need by laying out actionable options (budgeting tool, creditor communication, DMP and financial counselling).

• Proactive: She engages further by explaining how to connect with a human agent.

Friendly, empathetic, service-oriented and proactive, ALIA speaks to your heart to support you throughout your financial journey.

Engage with ALIA today at akpk.org.my.

Rasa “sesak” setiap kali hujung bulan disebabkan komitmen kewangan?Merdeka sebenar adalah apabila kewangan teratur dan f...
18/08/2026

Rasa “sesak” setiap kali hujung bulan disebabkan komitmen kewangan?

Merdeka sebenar adalah apabila kewangan teratur dan fikiran kembali tenang. Berikan diri anda ruang bernafas melalui Program Pengurusan Kredit (PPK) untuk susun semula kredit anda.

Jangan biar beban menghimpit. Jom sertai sesi LIVE kami di TikTok

📅 Khamis, 20 Ogos 2026
⏰ 1.00 - 2.00 petang

One gateway. More ways to get the support you need.GATE brings AKPK’s digital services, guidance and support together in...
18/08/2026

One gateway. More ways to get the support you need.

GATE brings AKPK’s digital services, guidance and support together in one place, making it easier for you to access the help you need. Whether you’re looking for guidance, exploring AKPK’s services or need quick assistance, GATE gives you more convenient ways to connect with AKPK.

With everything in one place, you can save time, find the information you need and get the right support with greater ease.

Take the next step towards a simpler and more accessible financial journey.

Kemerdekaan memberi kita kebebasan untuk menentukan arah kehidupan, termasuk dalam membuat keputusan kewangan. Mengurus ...
17/08/2026

Kemerdekaan memberi kita kebebasan untuk menentukan arah kehidupan, termasuk dalam membuat keputusan kewangan. Mengurus wang dengan bijak membantu kita menetapkan keutamaan, membuat pilihan berdasarkan kemampuan dan membina masa depan yang lebih terjamin.

Kebebasan dalam mengurus kewangan memberi kita ruang untuk membuat keputusan dengan lebih yakin dan tidak mudah terikat dengan tekanan kewangan.

Namun, kebebasan kewangan bukan sekadar tentang perancangan. Ketahui langkah seterusnya melalui buku Bina Ilmu, iaitu buku pertama daripada Siri BUDI terbitan AKPK.

Dapatkan panduan pengurusan kewangan untuk empat peringkat kehidupan melalui Siri BUDI di akpk.org.my/ms/financial-education.

Address

Level 5 & 6, Menara Aras Raya (formerly Known As Menara Bumiputera Commerce)
Kuala Lumpur
50350

Telephone

+60326167766

Website

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