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About Us

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The Credit Counselling and Debt Management Agency, or commonly known as Agensi Kaunseling dan Pengurusan Kredit (AKPK), 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.

AKPK offers the following services to individuals, free of charge:

  • Financial education on the responsible use of money and credit management skills
  • Counselling and advice on financial management
  • Debt management programme to assist consumers to regain financial control


We want to create a society that is financially savvy. We want to be recognised as the trusted provider of financial education to adult consumers and continue to promote financial prudence.


Make Prudent Financial Management A Way of Life.


At the height of the financial boom in 2006, with consumer credit under control, Bank Negara Malaysia took a pre-emptive move by setting up Agensi Kaunseling dan Pengurusan Kredit (AKPK), an agency now benefiting countless Malaysians.


In a focus group study we conducted, we observed that the lack of knowledge in personal financial management was the main reason many individuals, both young and old, found themselves in debts they could not manage. Bad money-managing habits stemming from the lack of understanding of the basic principles of finance was the main cause for individuals getting into financial difficulties. The biggest challenge now was to structure an approach that would complement a public that is varied in racial, educational and socioeconomic background.

We realised that in order to curb potentially surmounting financial issues among Malaysians, we would have to first educate the public to be financially savvy; and to further support this, we provide an avenue where they can turn to for advice and counselling on personal financial-related matters. Along with that, we also have to provide individuals, deep in the clutches of debt, an opportunity to get their life back on track through the provision of structured debt management services.

We have since been successful in constructing an approach to educate the public through the 3 services which we provide: Financial Education, Counselling and Debt Management Programme (DMP). AKPK, centered on meeting the demands of Malaysians seeking financial counselling and advice, ensures that all our services are absolutely free. We value our role as financial educators and realise its importance in building a financially literate society. In order to remain at the forefront of financial education, the agency will continue to introduce innovative ways to enhance consumer financial knowledge. With this, we strive to make prudent financial management a way of life for everyone.