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AKPK tawar kaunseling untuk PKS
Posted on Apr 18, 2020
AGENSI Kaunseling dan Pengurusan Kredit (AKPK) menyediakan kaunseling kewangan dan nasihat kepada Perusahaan Kecil dan Sederhana (PKS) yang terjejas teruk akibat pandemik Covid-19.
Ketua AKPK Melaka Syaiful Anuar Bokhari berkata, ia dilaksanakan menerusi Program Pengurusan Kredit (PPK) yang bertujuan memperlengkapkan individu untuk mengurus kewangan dengan bijak dan berbelanja mengikut kemampuan.
Menurutnya, berdasarkan statistik PPK akhir Februari 2020 lalu, 12.3 peratus pelanggan melaporkan hutang mereka perlu distruktur semula kerana kegagalan atau kerugian dalam perniagaan, dan 8.8 peratus hilang pekerjaan atau diberhentikan.
Beliau berkata, kebanyakan pelanggan atau 70.5 peratus berpendapatan kurang daripada RM4,000 sebulan, manakala 15.3 peratus antara RM4,000 hingga RM8,000 sebulan, dan 14.2 peratus lebih RM8,000 sebulan.
“Justeru, AKPK berusaha membantu pemilik perniagaan dan pekerja PKS membuat pemeriksaan menyeluruh ke atas kedudukan aliran tunai individu bagi membantu mengawal perbelanjaan dan mengurus hutang.
“Semasa sesi kaunseling, pilihan akan diberikan antaranya mengesyorkan perubahan gaya hidup dengan mengurangkan perbelanjaan tertentu (seperti hiburan) yang tidak perlu.
“Dalam kes yang serius, kita mengesyorkan penjualan aset bagi mengadakan aliran wang tambahan untuk menghadapi waktu sukar.
“Malah, AKPK memanfaatkan rakan strategiknya, termasuk organisasi kerajaan dan bukan kerajaan, untuk menyediakan khidmat kaunseling di tempat kerja, termasuk bekerjasama dengan Jabatan Tenaga Kerja Semenanjung Malaysia (JTKSM) dan JobsMalaysia bagi mengenal pasti peluang pekerjaan baharu untuk pekerja yang diberhentikan kerja,” katanya hari ini.
Beliau berkata, peminjam yang layak juga didaftarkan dalam program khusus PPK sekali gus menjadual dan menstrukturkan semula pelbagai jenis pinjaman seperti perumahan, sewa beli dan peribadi serta baki kad kredit atau caj yang tertunggak.
Pada masa sama, katanya, mereka turut membantu individu secara proaktif supaya dapat mengawal kedudukan kewangan sekali gus memberi ketenangan fikiran dan mengelak tekanan.
Syaiful berkata, berdasarkan statistik majoriti (69.9 peratus) daripada mereka yang meminta bantuan untuk menstabilkan semula kewangan berumur antara 30 hingga 50 tahun, selebihnya di bawah usia 30 tahun (13.7 peratus) dan melebihi 50 tahun (16.4 peratus).
“Daripada kira-kira 315,000 individu yang mendaftar dalam PPK, 36.8 peratus daripada mereka mengakui mereka menghadapi masalah disebabkan perancangan kewangan yang lemah.
“Fakta ini menunjukkan betapa pentingnya pendidikan kewangan yang di harap dapat mewujudkan sektor isi rumah yang lebih berdaya tahan serta sistem perbankan yang mantap,” katanya.
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