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AKPK Program

AKPK Program

What is the AKPK Program, or Debt Management Program (DMP), and Is It Right for You?

If you’re overwhelmed by monthly loan repayments or struggling to manage your debts, the AKPK Program (Agensi Kaunseling dan Pengurusan Kredit), or Debt Management Program (DMP) may be the right step toward financial recovery. This program is a government back debt management program that helps individuals restructure their unsecured debts and commit to a more manageable repayment plan.

How the AKPK / DMP Program Works

The AKPK / DMP is a voluntary arrangement between you and your creditors, facilitated by AKPK. It consolidates your unsecured debts (such as personal loans, credit card balances, and overdrafts) into a single monthly payment based on your affordability. In many cases, interest rates are reduced or frozen, allowing you to pay off your debt more efficiently without taking on new loans.

AKPK PROGRAM

Key Benefits of the AKPK / DMP Program

Voluntary and Confidential

The program is voluntary and handled professionally by AKPK. It is not a legal proceeding, and your enrolment does not appear as a lawsuit or bankruptcy on your credit record.

Simplified Monthly Payments

Your unsecured debts are consolidated into a single monthly repayment, tailored to your financial capacity. This makes it easier to stay on track without juggling multiple bills.

Reduced or Frozen Interest Rates

Most banks and financial institutions participating in the AKPK Program will agree to reduce or freeze interest charges, helping you pay off your debts faster and more affordably.

Personalized Financial Guidance

AKPK provides free financial education and counselling to help you understand your finances, build better money habits, and regain long-term financial stability.

Credit Score Considerations

While enrolling in the AKPK Program may affect your credit standing in the short term, consistent repayment under the program can help restore your financial credibility over time. AKPK does not offer services for rebuilding credit directly, but good payment history will reflect positively.

No Legal Record or Public Listing

The program is not a legal declaration like bankruptcy and will not be published in public records. Only you, AKPK, and your creditors are involved in the process.

High Track Record of Success

Thousands of Malaysians have used the AKPK Program to successfully become debt-free. With proper commitment and guidance, the program offers a practical and respectful path to financial recovery.

Best of all, two years after you complete the program, all records of it are removed from your credit report.

AKPK PROGRAM

Case Study:

How a Debt Management Program Can Improve Cash Flow

Before Enrolling in the Program:
-Total monthly debt repayments: RM5,000

After Enrolling in AKPK’s DMP:
-New monthly repayment: RM1,500
-Monthly savings: RM3,500
-Commitment reduced by: Up to 70%

By joining a AKPK / DMP Program, this individual successfully reduced their monthly financial burden from RM5,000 to just RM1,500. This created an extra RM3,500 in available cash flow — allowing them to cover essential living expenses, rebuild savings, and handle emergencies with greater confidence and peace of mind.

Ready to take the next step?

AKPK Program Application Form

Drop us a message and we’ll get in touch to explore your options and move forward together.


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