Click here for quick search
Usah buta dengan godaan pinjaman
Posted on Feb 7, 2019
KUALA LAMPUR :Lambakan tawaran pinjaman peribadi di media sosial tidak seharusnya menjadikan masyarakat buta terhadap kesan pinjaman yang akhirnya menjerat diri kepada masalah yang lebih besar.
Pengurus Besar Bahagian Perkhidmatan Korporat Agensi Kaunseling dan Pengurusan Kredit (AKPK), Azman Hasim berkata, kemudahan pinjaman yang ditawarkan secara dalam talian mempunyai kelebihan, namun ia perlu dilakukan dengan bijak dan bukannya mengikut kehendak.
“Sebelum buat pinjaman sama ada daripada bank ataupun syarikat kewangan berlesen, pastikan dahulu jenis pinjaman yang ingin dipohon itu sama ada ia keperluan mendesak atau sekadar memenuhi kehendak yang boleh ditangguhkan sehingga waktu yang lebih sesuai.
“Jika ia keperluan, apakah pilihan terbaik yang ada dan soalan paling penting, mampukah bakal peminjam membayarnya menggunakan gaji yang ada tanpa membebankan mereka?” katanya.
Mengulas lanjut Azman berkata, keupayaan bakal peminjam untuk membayar semula pinjaman itu mestilah mengikut formula jumlah keseluruhan hutang tidak melebihi 40 peratus daripada pendapatan bulanan.
“Maksudnya, selepas membayar semua hutang, mereka perlu mempunyai baki 60 peratus pendapatan termasuk 10 peratus sebagai simpanan barulah mampu menjalani kehidupan selesa.
“Di AKPK, kita mengalu-alukan orang ramai mendapatkan perkhidmatan kaunseling dan pengurusan kredit secara percuma.
Katanya, agensi itu tidak melantik orang tengah membantu masyarakat mendapatkan khidmat nasihat pengurusan kewangan, sebaliknya semua urusan di pejabat atau dalam talian seperti laman web dan talian khidmat AKPK 03-26167766.
Recent News
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.