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Modul AKPK dalam talian bantu masyarakat
Posted on May 1, 2020
SITUASI semasa melanda dunia dan negara akibat penularan wabak Covid-19 menyaksikan segelintir bergelut menguruskan kewangan sehingga memberi impak kepada kesejahteraan ekonomi diri dan keluarga.
Sehubungan itu, Agensi Kaunseling dan Pengurusan Kredit (AKPK) menyediakan modul pembelajaran dalam talian bagi membantu masyarakat terkesan dengan pengurusan kewangan susulan pandemik Covid-19.
Ketua AKPK Melaka, Syaiful Anuar Bokhari berkata, dalam modul berkenaan banyak perkara berkaitan pengurusan kewangan boleh dilakukan untuk membantu mengatasi masalah dan tekanan bagi menyediakan diri menghadapi situasi genting terbabit.
Katanya, mereka boleh melayari modul pembelajaran dalam talian iaitu Mengharungi Cabaran di power.akpk.org.my yang boleh diakses pada bila-bila masa terutama ketika Perintah Kawalan Pergerakan (PKP).
"Dalam PKP ini, hanya sektor diklasifikasikan sebagai perkhidmatan penting (essentials) sahaja dibenarkan beroperasi dengan kadar minimum manakala sektor lain perlu menutup operasi mereka.
"Keadaan ini jelas memberi kesan kepada kebanyakan tenaga kerja. Ramai terjejas punca pendapatan akibat diberhentikan kerja atau terpaksa menerima potongan gaji dikenakan majikan bagi menampung kerugian dialami," katanya.
Beliau berkata, tinjauan dilakukan Jabatan Statistik Malaysia iaitu Survei Khas Kesan Covid–19 kepada Ekonomi dan Individu di Malaysia menunjukkan 52.6 peratus merasa sangat tertekan daripada segi impak kewangan.
Menurutnya, tinjauan itu menyatakan kesiapsiagaan simpanan kewangan berdasarkan sektor pekerjaan iaitu lebih kurang 71.4 peratus bekerja sendiri yang paling terkesan dengan simpanan kurang satu bulan.
Katanya, ia diikuti 82.7 peratus pekerja swasta dengan simpanan lebih kurang dua bulan dan pekerja syarikat berkaitan kerajaan (GLC) 78.9 peratus dan syarikat multinasional (MNC) 75.2 peratus mempunyai simpanan minimum empat bulan.
"Sementara itu, mereka yang bekerja sendiri sememangnya terjejas dengan pandemik ini dengan tinjauan ini menyatakan 46.6 peratus hilang sumber pendapatan dan kepada yang masih bekerja ada pendapatan berkurang sehingga 90 peratus.
"Orang ramai disarankan tidak panik kerana kerana ini masa terbaik untuk merancang pelan belanjawan yang sistematik sendirian atau bersama pasangan.
"Justeru, orang ramai perlu memastikan setiap perbelanjaan dirancang mengikut kemampuan aliran tunai semasa isi rumah dan elakkan pembaziran, selain tangguhkan kehendak ketika berdepan dengan krisis dan penuhilah selepas benar-benar bersedia," katanya.
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Tertiary
The world we live in is increasingly complex, especially for the youths, and they will eventually need to take charge of their future and finances. Financial education in the tertiary stage is for those between the ages of 18 to 25 currently pursuing post-secondary education. Providing them with the appropriate financial know-how at this point will build up their competence in dealing with future financial decisions. This module focuses on cash flow management, the importance of savings and setting up a budget, internet banking and other appropriate topics for university and college students.
Entering Workforce
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.