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39 IPT tawar kursus pengajian pengurusan kewangan peribadi - AKPK
Posted on Feb 17, 2023
KUALA LUMPUR: Agensi Kaunseling dan Pengurusan Kewangan (AKPK) memaklumkan sebanyak 39 institusi pengajian tinggi (IPT) telah menyediakan modul berkredit melalui subjek Pengurusan Kewangan Peribadi (PFM) dan berharap ia dapat diwajibkan di seluruh negara.
Ketua Jabatan Pendidikan Kewangan Isi Rumah AKPK, Nirmala M Supramaniam, berkata pelaksanaan kursus ini wajar bagi membendung masalah kewangan yang dihadapi oleh masyarakat.
"Statistik yang diperoleh AKPK sehingga Disember 2022 menunjukkan 41.8 peratus mereka berusia 30 hingga 40 tahun terbabit dengan masalah kewangan berpunca daripada tiada pengetahuan tentang pengurusan kewangan yang betul.
"Sekiranya ilmu pengurusan kewangan ini telah diberikan sewaktu di pengajian tinggi sedikit sebanyak boleh memberi kesedaran awal seterusnya membantu mereka merancang hutang dengan baik," katanya ketika ditemui Bernama.
Nirmala berkata pengurusan kewangan atau literasi kewangan ini sebenarnya adalah ilmu kemahiran insaniah dan sebagai pengguna kewangan sudah pasti berdepan dengan pelbagai cabaran kewangan.
"Hal ini termasuk bagaimana belia boleh terdedah kepada kesilapan membuat keputusan kewangan yang boleh membawa mereka kepada punca muflis seperti terjerat dengan penipuan kewangan, pelaburan skim cepat kaya, pinjaman tidak produktif.
"Oleh itu, program-program literasi kewangan harus diperluas bukan sahaja bagi mereka yang mengambil subjek berkaitan, namun harus diwajibkan kepada semua pelajar," katanya.
Beliau berkata setakat ini pihaknya menerima maklum balas positif daripada para pelajar dan program kewangan ini turut mendekati golongan belia dalam komuniti dengan pendekatan lebih holistik.
"Antara program yang dijalankan adalah pergaulan, sumbang saran, pembabitan pakar dalam industri. Kesannya mereka mempunyai pengetahuan pengurusan dan ke arah tingkah laku kewangan yang baik," katanya.
Mengulas lanjut, beliau berkata golongan belia disarankan untuk meminati dan mendalami ilmu pengurusan kewangan bagi memupuk tingkah laku dan tabiat kewangan yang baik.
"Penerapan ilmu kewangan akan memberi kesedaran, pendedahan dan galakan kepada individu mengenai pengurusan kewangan yang lebih baik untuk membolehkan mereka mengurus pendapatan, perbelanjaan dan pinjaman dengan cekap.
"Khususnya sebelum membuat komitmen kewangan bagi mengelakkan masalah kewangan pada masa akan datang. Sesungguhnya mencegah itu lebih baik dari mengubati," katanya.
Katanya, golongan belia dinasihatkan untuk mengambil peluang mendapatkan khidmat nasihat kewangan ditawarkan oleh AKPK atau institusi sah yang lain.
Menurut beliau, sejak penubuhan AKPK hingga Disember 2022, sebanyak 1.2 juta individu telah menerima khidmat nasihat daripada pakar di agensi itu.
"Selain itu, dengan tempoh maksimum 10 tahun penyertaan Program Pengurusan Kredit (PPK), kira-kira lebih 400,000 individu telah mendaftar ke program ini dan sekitar RM2.4 bilion telah diselesaikan melalui PPK," katanya. – BERNAMA
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This stage comprises those between the ages of 20 to 30, i.e. mainly those who are just starting out in life. Financial education is essential to this age group as they learn to be independent in most matters especially financial management. In their minds, a car is a want rather than a need, and normally sits at the top of their list of things to acquire. Our Entering Workforce module focuses on understanding the fundamentals of borrowing and the importance of borrowing productively to encourage positive net worth. Financial education at this stage is also aimed at inculcating the habit of managing debts wisely. The module also introduces the fundamentals of investments and the importance of insurance for a better tomorrow.
Starting and Raising a Family
The module for the next life stage is for those who are starting and raising a family. People in this category are approaching that time in their life when they will normally experience important and meaningful life’s milestones: marriage, children and a new home. Designed for those between 30 to 40 years of age, this module will focus on settling unproductive loans while reducing debt commitments as they prepare for retirement. Emphasis will again be placed on the importance of planning for and protecting against uncertainties by talking about the types of financial tools available. They will learn the various types of insurance policies and be able to decide on the best coverage based on their affordability for their precious family. Education will also be given on the appropriate investments that will provide passive income for a better tomorrow.
Retirement
The transition from working to retiring involves many tough decisions regarding income and lifestyle needs and whether one plans to ease into retirement or otherwise, while considering factors such as wealth management, whether a pension is enjoyed, and EPF balances. These are big decisions with long-term impact on their financial well-being during retirement. To make the best choices, they require sufficient knowledge and intense awareness of how they want to live through their retirement years. Therefore, our pre-retirement module will prepare them for retirement by teaching them the proper use of their investments and review of their portfolio while servicing their insurance policies and settling unproductive debts to improve their net worth positively.
Post – Retirement
You have retired. How would you manage your money now? Considering that the average life expectancy in Malaysia has improved, it is more important now than ever to ensure that you have the financial resources to live a comfortable and happy lifestyle—particularly if you are looking forward to retiring with peace of mind. Taking care of your wealth and making it last are important at this stage. Financial literacy and education is a continuous life lesson that does not end at retirement. Now, more than ever, you need to manage your finances wisely and plan for the unexpected. Our post-retirement module is focused on those who are currently transitioning into retirement or are in the early stages of retirement.