TOPIC 1 MONEY SENSE BOOK BY AKPK SEM A142
Money Sense
Getting Smart With Your Money
Published by:
1
Agensi Kaunseling dan Pengurusan Kredit
Level 8.2 - 8.9, Maju Junction Mall
1001, Jalan Sultan Ismail
50250 Kuala Lumpur
Fax: 03-2698 1575 E-mail: enquiry@akpk.org.my
© AKPK
First Edition 2008
The copyright of this book belongs to Agensi Kaunseling dan Pengurusan Kredit (AKPK). This book or parts thereof, may be reproduced, translated, or transmitted in any form with prior written permission from AKPK only for the sole purpose of education. No monetary gain in any form should be made or derived, whether direct or indirect from such reproduction.
ISBN 978-983-44004-0-8
Disclaimer:
The information contained in this book is solely for educational purpose. It is not intended as a substitute for any advice you may receive from a professional financial advisor.
Agensi Kaunseling dan Pengurusan Kredit (AKPK) disclaims all and any liability to any person using the information in this book as a basis for making or taking an action.
While all efforts have been made to make the information contained in this book accurate, AKPK seeks your understanding for any errors or omission.
2
FOREWORD
The Credit Counselling and Debt Management Agency or more commonly known as Agensi Kaunseling dan
Pengurusan Kredit (AKPK) was set up by Bank Negara
Malaysia in April 2006. I feel truly honoured to lead this organization from its inception, which prioritizes on promoting personal financial literacy to all Malaysians.
Over the last 26 months, approximately 50,000 individuals have sought the free credit counselling and debt management services of the agency. Our 40 odd counsellors from 9 locations nationwide have worked passionately to assist many of these distressed borrowers and help put them back on track with their finances.
More than 50% of those who sought our assistance were below the age of 40. Many of them said that they got into financial trouble because they had low level of understanding of basic financial
Getting Smart With Your Money
Published by:
1
Agensi Kaunseling dan Pengurusan Kredit
Level 8.2 - 8.9, Maju Junction Mall
1001, Jalan Sultan Ismail
50250 Kuala Lumpur
Fax: 03-2698 1575 E-mail: enquiry@akpk.org.my
© AKPK
First Edition 2008
The copyright of this book belongs to Agensi Kaunseling dan Pengurusan Kredit (AKPK). This book or parts thereof, may be reproduced, translated, or transmitted in any form with prior written permission from AKPK only for the sole purpose of education. No monetary gain in any form should be made or derived, whether direct or indirect from such reproduction.
ISBN 978-983-44004-0-8
Disclaimer:
The information contained in this book is solely for educational purpose. It is not intended as a substitute for any advice you may receive from a professional financial advisor.
Agensi Kaunseling dan Pengurusan Kredit (AKPK) disclaims all and any liability to any person using the information in this book as a basis for making or taking an action.
While all efforts have been made to make the information contained in this book accurate, AKPK seeks your understanding for any errors or omission.
2
FOREWORD
The Credit Counselling and Debt Management Agency or more commonly known as Agensi Kaunseling dan
Pengurusan Kredit (AKPK) was set up by Bank Negara
Malaysia in April 2006. I feel truly honoured to lead this organization from its inception, which prioritizes on promoting personal financial literacy to all Malaysians.
Over the last 26 months, approximately 50,000 individuals have sought the free credit counselling and debt management services of the agency. Our 40 odd counsellors from 9 locations nationwide have worked passionately to assist many of these distressed borrowers and help put them back on track with their finances.
More than 50% of those who sought our assistance were below the age of 40. Many of them said that they got into financial trouble because they had low level of understanding of basic financial