AKPK- Agensi Kaunseling Dan Pengurusan Kredit

AKPK, or Agensi Kaunseling Dan Pengurusan Kredit, is Malaysia’s Credit Counseling and Debt Management Agency, offering financial counseling and debt restructuring services to help individuals manage their debts effectively.

AKPK- Agensi Kaunseling Dan Pengurusan Kredit Personal Loan Pinjaman Peribadi

AKPK Summary

  • Article Name: AKPK- Agensi Kaunseling Dan Pengurusan Kredit
  • Category: #FinancialManagement
  • Purpose: General info
  • Abbreviation / Code Name: AKPK

About AKPK - Agensi Kaunseling Dan Pengurusan Kredit

The Credit Counselling and Debt Management Agency, or commonly known as AKPK – Agensi Kaunseling dan Pengurusan Kredit, is an agency set up by Bank Negara Malaysia in April 2006 to help individuals take control of their financial situation and gain peace of mind that comes from the wise use of credit.

Financial Education

Financial education on the responsible use of money and credit management skills.

Financial Advisory

Advice on financial management.

DMP Debt Management Programme

Debt management programme to assist consumers to regain financial control.

AKPK Financial Education

AKPK – Agensi Kaunseling dan Pengurusan Kredit Financial education has never been more important in today’s environment. Participating effectively in the financial system can improve the economic wellbeing of individuals and businesses. Financial education is therefore key so that members of our society will benefit from the financial system and from the new technologies that are transforming our financial landscape.

It will help consumers to better understand the risks involved in managing their finances and will facilitate better financial decision making. Building a generation with financial competence therefore needs to start from an early age. This has been the motivation of Bank Negara Malaysia in the development of AKPK – Agensi Kaunseling dan Pengurusan Kredit to be the agency in providing financial education to adult consumers.

As part of the efforts to promote financial literacy and sound financial management by members of the public, AKPK – Agensi Kaunseling dan Pengurusan Kredit has specially designed programmes targeted to all life stages starting from the young adults in tertiary education right up to the senior citizens in their retirement with the aim of empowering these groups to effectively manage their finances. This will in turn contribute towards promoting better protection for financial consumers and a more resilient household sector.

AKPK Financial Advisory

AKPK Financial Advisory by managing your money wisely is an important skill to acquie so that you can spend within your means and achieve your financial goals. Available to all individuals, free of charge.

Here at Agensi Kaunseling dan Pengurusan Kredit, we offer one-to-one advice on managing your finances wisely:

  1. Budgeting
  2. Money Management
  3. Credit-related Issues

Learn how to handle debts and other financial matters responsibly to ensure your future today.

AKPK or Agensi Kaunseling dan Pengurusan Kredit does not provide personal loans (pinjaman peribadi) or financing

AKPK Debt Management Programme

AKPK Debt Management Programme : Our financial advisors will work with you to develop a personalised debt repayment plan in consultation with your financial service providers.

Regain control of your life and your debts. Through Debt Management Programme (DMP), our financial advisors will work with you to develop a personalised debt repayment plan in consultation with your financial service providers. Our DMP services are offered FREE for individuals. AKPK (Agensi Kaunseling dan Pengurusan Kredit) does not provide personal loans or financing.

Our DMP is available to all individuals who need assistance in managing their personal debts with the participating financial service providers, provided that:

  1. You have a positive net disposable income after meeting all your expenses
  2. Your total debt exposure does not exceed RM5 million
  3. You are not under any advanced litigation process such as creditors petition
  4. NOT BANKRUPT You are not adjudged bankrupt

Don’t wait. Do it now. Talk to us. AKPK does not provide personal loans or financing.

*Financial service providers comprise of:

  • All commercial banks
  • All Islamic banks
  • All insurance companies
  • All takaful operators
  • Development financial institutions (regulated by Bank Negara Malaysia)
  • Credit/charge card issuers (regulated by Bank Negara Malaysia)
  • Selected Cooperatives
  • MBSB Bank
  • Perbadanan Tabung Pendidikan Tinggi Nasinal (PTPTN)

Hashtag / Keywords

#AKPK #FinancialManagement

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Frequently Asked Questions (FAQ) about AKPK- Agensi Kaunseling Dan Pengurusan Kredit

Curious about AKPK- Agensi Kaunseling Dan Pengurusan Kredit? Explore our FAQ section for answers to common questions. Find out more about our services, policies, and how we can meet your needs. Dive into our FAQ to discover everything you need to know before getting started. Start exploring now!

Can AKPK help you to solve your financial crisis?

Yes, the Agensi Kaunseling Dan Pengurusan Kredit (AKPK) can assist individuals in resolving their financial crises. They provide counseling, debt management programs, and financial education to help people manage their debts effectively and regain control of their finances. AKPK aims to alleviate financial burdens and promote financial well-being among Malaysians.

Can AKPK help you settle your outstanding loan?

Yes, AKPK (Agensi Kaunseling dan Pengurusan Kredit) in Malaysia can assist individuals who are facing difficulties in repaying their loans. AKPK provides financial counseling and debt management services to help individuals manage their debts more effectively. They offer debt restructuring plans and negotiate with creditors on behalf of borrowers to come up with feasible repayment arrangements. However, AKPK’s assistance typically involves providing advice and facilitating negotiations rather than directly settling outstanding loans on behalf of individuals. It’s important to contact AKPK directly to understand the specific services they offer and how they may be able to assist with your particular financial situation.

Can AKPK help you avoid a summons or a court case for failing to pay your debt?

Yes, AKPK can assist individuals in avoiding legal actions such as summons or court cases resulting from defaulting on loan payments. They provide financial counseling and debt management services to help individuals negotiate with creditors and come up with feasible repayment plans. By working with AKPK, individuals can often avoid the need for legal action by demonstrating a commitment to resolving their debts through structured repayment arrangements. However, it’s important to note that AKPK’s ability to prevent legal actions may vary depending on the specific circumstances and agreements between the borrower and creditor.

Is AKPK owned by the Malaysian government?

Yes, AKPK (Agensi Kaunseling dan Pengurusan Kredit) is owned by the Malaysian government. It operates under the purview of Bank Negara Malaysia (Central Bank of Malaysia) and was established in 2006 as part of the government’s efforts to assist individuals facing financial difficulties due to excessive debt. AKPK’s primary objective is to provide financial counseling and debt management services to help individuals manage their debts more effectively. It is a government initiative aimed at promoting financial stability and responsible borrowing among Malaysians.

AKPK- Agensi Kaunseling Dan Pengurusan Kredit Reviews

Customer Reviews about AKPK, or Agensi Kaunseling Dan Pengurusan Kredit

AKPK, or Agensi Kaunseling Dan Pengurusan Kredit, stands as a beacon of financial assistance and guidance for individuals in Malaysia facing overwhelming debt burdens. From its inception in 2006, AKPK has been a vital initiative under the Malaysian government's stewardship, providing a lifeline to countless Malaysians grappling with financial challenges. Through its comprehensive range of services, AKPK offers personalized financial counseling, debt management programs, and debt restructuring solutions tailored to meet the unique needs of each individual. Its team of skilled counselors empowers clients with practical strategies for budgeting, saving, and managing debts responsibly, fostering a culture of financial literacy and resilience within the community.

Furthermore, AKPK's commitment to transparency and integrity underscores its credibility as a trusted institution. By fostering collaboration between borrowers and creditors, AKPK facilitates constructive dialogue and negotiation, often averting the need for legal action and promoting amicable resolutions to debt-related disputes. Through its unwavering dedication to fostering financial well-being and empowering individuals to overcome financial adversity, AKPK continues to make a significant impact in transforming the lives of Malaysians, one debt at a time.

Mohd Azwan

https://personalfinancingloan.com

Contact AKPK

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