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AKPK helps 18,000+ Malaysians qualify for low-interest loans

Scaling financial education for first-time home buyers
Scaling financial education for first-time home buyers

Help 50%

of Malaysians who say poor financial management is the cause for their excessive personal debt

Educate 25,665

potential first-time home buyers across the country in less than 12 months

Empower 67%

of those who completed the module to feel confident with going ahead with home loan applications

Enable 2,567

Malaysians per month nationwide to raise their financial literacy levels online
The Malaysian Credit Counselling and Debt Management Agency (AKPK) needed to deliver a mandatory financial education module aimed at first-time home buyers applying for the Central Bank of Malaysia’s (BNM) RM 1 Billion Fund for Affordable Homes. AKPK was looking for an affordable, scalable and more effective solution that could be easily implemented nationwide.

AKPK launched RUMAHKU, an online financial literacy module available in both English and Bahasa Malaysia. The module would give eligible Malaysians access to low-interest bank loans for financing the purchase of their first home.

It was made a requirement for all applicants to complete the RUMAHKU module before proceeding with their loan applications at participating banks across the country.

Through the RUMAHKU module, AKPK was able to:

  • Qualify Malaysians nationwide for the low-interest home loans
  • Identify first-time home buyers in need of financial counselling
  • Cater to a spike in demand following a BNM policy revision
  • Raise financial literacy and awareness among other Malaysians

Given the success of this initiative, AKPK has launched:

Credit Counselling & Debt Management Agency (AKPK)

The Credit Counselling & Debt Management Agency (AKPK) is an agency established by the Central Bank of Malaysia to increase financial literacy through personal finance education, counselling and debt management initiatives across Malaysia.


Nationwide, Malaysia


Education and financial management

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"We have to embrace the changes of new technology wisely. AKPK has all the content and materials for face-to-face delivery, but it is the team from OpenLearning that puts them in a different, more interactive perspective for online."
Azaddin Ngah Tasir
Chief Executive Officer, AKPK

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