AKPK (Credit Counselling and Debt Management Agency) is an agency set up by Bank Negara Malaysia (BNM) to help Malaysians manage their debts and improve their financial literacy. AKPK offers free financial counseling, debt management programs, and financial education to individuals facing financial difficulties.
Free one-on-one counseling on budgeting, debt management, and financial planning
Helps individuals understand their financial health and spending habits
Advises on how to manage debts and avoid financial problems
A structured repayment plan to help individuals settle debts with banks
Reduces monthly installment payments based on financial capability
Lower interest rates (negotiated with banks)
Covers credit card debt, personal loans, and housing loans
Helps prevent legal action and bankruptcy
Workshops and online courses to teach financial management
Topics include budgeting, savings, credit card management, and debt control
Helps individuals develop better financial habits
Malaysian citizens aged 21 and above
Total outstanding debts below RM5 million
Unsecured loans only (credit cards, personal loans, housing loans, car loans)
Not declared bankrupt
Still earning an income (salaried or self-employed)
Lower monthly installments – More manageable repayments
Reduced interest rates – Saves money on interest
No legal action – Helps prevent lawsuits or bankruptcy
One consolidated repayment – Simplifies debt management
Free service – No fees required to enroll in AKPK
Loan accounts will be “AKPK-tagged” in CCRIS (affects new loan applications)
Cannot apply for new loans while under AKPK’s program
Takes longer to settle debts due to lower monthly payments
Not all banks accept AKPK restructuring (some may reject the plan)
Will joining AKPK affect my CCRIS record?
Yes, all accounts under the Debt Management Program will be reported in CCRIS, which affects your ability to apply for new loans.
Can I exit the AKPK program early?
Yes, you can settle your debts earlier if you have the financial means.
Does AKPK cover business loans?
No, AKPK only helps with personal debts, not business loans.
Is there a fee to join AKPK?
No, AKPK’s services are completely free, as it is a non-profit organization under Bank Negara Malaysia.
Can I apply for a loan while under AKPK?
No, individuals in the AKPK program cannot apply for new loans until they complete the repayment program.
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ͨ AKPK µʽûø
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3. ڽPendidikan Kewangan
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ǹ 21 꼰
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1 ѯ – AKPK IJ״
2 ծ鷽 – AKPK Э̵ʽ
3 & »ƻ – ÿ»
4 – µķڸƻծ
' ÿ·ڸ – û
' ٴϢ – ʡϢ֧
' ⷨ – ֹƲ
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' ȫ – AKPK ķȡκη
'L˻ᱻΪ“AKPK ƻ”Ӱδ룩
'LµĴֱ AKPK ƻ
'LܻӳΪÿ»
'Lж AKPK пܾܾ
1. AKPK Ӱҵü¼
ǵģм AKPK ծƻ˻ᱻ¼ CCRISӰδĴ롣
2. ҿǰ˳ AKPK ƻ
ԣ㹻IJǰծ˳ƻ
3. AKPK Ƿҵ
ԣAKPK ֻծҵ
4. AKPK Ҫ֧
ҪAKPK ǷӪзȫ
5. AKPK ƻڼ䣬ҿµĴ
ܣ AKPK ƻڼ䣬κµĴֱɻ
ڲ AKPKȻҪծ ˣԿծϴ
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ծϴծϲΪһ´ºô
' ʱÿ˴
' ÿֻ֧һ̶Ļ
' CCRIS Ϊ AKPK ¼
Malaysia
