Kahwin & Pengurusan Wang

Program Pengurusan Hutang Pasangan Baru Berkahwin

KUALA LUMPUR 9 Dis. - Sebanyak 81,150 individu yang telah berkahwin dikenal pasti mendapatkan khidmat Agensi Kaunseling dan Pengurusan Kredit (AKPK) iaitu kira-kira 75 peratus daripada 108,167 jumlah pemohon sejak 2007.

Ketua Jabatan Komunikasi Korporatnya, Mohamad Khalil Jamaldin (gambar) berkata, menerusi Program Pengurusan Hutang (DMP) yang dijalankan pihaknya itu, data yang diterima menunjukkan peningkatan pada setiap tahun.

“Untuk tahun ini sahaja, sehingga Oktober lalu, sebanyak 12,600 pemohon telah berkahwin datang kepada kami untuk men-yertai DMP. Daripada jumlah ke-seluruhan 15,695 orang, pemohon bujang (2,090), bercerai (665), janda atau duda (338) manakala selebihnya tidak dinyatakan status.

“Berdasarkan data lain, 22.7 peratus menunjukkan punca berhutang adalah disebabkan pengurusan kewangan yang lemah, kegagalan perniagaan (16.2 peratus), perbelanjaan perubatan (16 peratus), gagal mengawal penggunaan kad kredit (10.9 peratus), kehilangan pekerjaan (9.9 peratus), peningkatan taraf hidup (5.7 peratus) dan lain-lain (18.6 peratus),” katanya ketika dihubungi di sini hari ini.

Beliau mengulas pendedahan Utusan Malaysia berhubung konflik perkahwinan disebabkan masalah kewangan sebagai faktor utama yang kian meruncing sejak akhir-akhir ini sehingga berakhir dengan penceraian.

Sementara itu, Ketua AKPK Cawangan Kuantan, Junainah Ahmad berkata, pihaknya tidak menafikan semakin ramai individu yang membuat pinjaman peribadi dan menggunakan kad kredit untuk menampung majlis perkahwinan secara besar-besaran di luar kemampuan.

“Walaupun tiada statistik khusus, sememangnya kos sara hidup yang semakin tinggi meningkatkan perbelanjaan majlis perkahwinan. Untuk mengelakkan hutang berlebihan, adalah penting untuk pasangan yang ingin mendirikan rumahtangga membuat bajet perkahwinan yang realistik dan bersesuaian dengan kemampuan mereka.

“Bincanglah dari hati ke hati untuk mencapai persefahaman tentang urusan perbelanjaan perkahwinan,” jelasnya.

Artikel dari Utusan Malaysia, 10 Disember 2014



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Generasi Muda & Wang

Bantu generasi muda elak terjebak hutang

kali ini saya kongsikan bacaan bermanfaat bagi generasi Gen Y Artikel dari Sinar Harian, 8 Disember 2014...


AGENSI Kaunseling dan Pengurusan Kredit (AKPK) sedang mengukuhkan kedudukan sebagai sebuah agensi utama yang menawarkan pendidikan kewangan di Malaysia.

Sebagai sebuah agensi di bawah Bank Negara Malaysia, AKPK menyediakan perkhidmatan secara percuma kepada orang ramai.

Perkhidmatan yang disediakan termasuk pendidikan kewangan, kaunseling kewangan serta program pengurusan kredit di 11 buah pejabat cawangan AKPK dan 12 pejabat kaunseling di seluruh Malaysia.

Ketua Pegawai Eksekutif AKPK, Azaddin Ngah Tasir berkata, pada masa sama, AKPK fokus untuk meningkatkan kesedaran generasi muda terhadap celik kewangan bagi menghindar hutang.

“Kami sedang berusaha menuju ke arah meletakkan AKPK sebagai agensi utama memberikan perkhidmatan pendidikan kewangan di Malaysia.

"Kami menyediakan satu landasan untuk pengguna melengkapkan diri dengan kemahiran pengurusan kewangan serta mempelajari asas produk kewangan, kewajipan sebagai seorang peminjam, dan asas pengurusan kewangan peribadi.

"Dan kami beri fokus utama kepada golongan muda untuk meningkatkan tahap celik kewangan di kalangan mereka bagi memastikan mereka tidak terjebak dengan masalah hutang.”

“Inisiatif pendidikan kewangan yang kami sediakan, merangkumi pelbagai fasa kehidupan seperti alam pendidikan tinggi, alam pekerjaan, alam berkeluarga dan alam persaraan. Untuk memastikan fungsi AKPK dapat ditujukan kepada kumpulan sasaran, kami sedang berusaha berkolaborasi dengan pelbagai agensi dan organisasi, mempelbagaikan kaedah pembelajaran sendiri melalui aplikasi dalam talian, pusat sumber maklumat dan training-of-trainers (ToT) serta seminar atau taklimat pendidikan kewangan, pameran dan siri jelajah," katanya.

Azaddin berkata, untuk mempromosikan modul kewangan AKPK, agensi berkenaan telah menjalinkan kerjasama strategik dengan organisasi dan badan-badan tertentu bagi membolehkan maklumat berkaitan pendidikan kewangan dapat diberikan kepada kakitangan dan pelanggan mereka.

Setakat ini, AKPK telah berjaya menandatangani Memorandum Persefahaman (MoU) dengan organisasi seperti Lions Clubs International dan Amanah Ikhtiar Malaysia (AIM) sertaberkolaborasi bersama Jabatan Insolvensi Malaysia (MdI).

“Keutamaan kami sekarang adalah untuk meningkatkan kesedaran orang ramai bahawa AKPK merupakan pengendali pendidikan kewangan dan AKPK harus menjadi pilihan pertama bagi orang ramai untuk meminta nasihat mengenai pengurusan kewangan sebelum membuat sebarang keputusan kewangan yang penting. Perkhidmatan kami ditawarkan secara percuma dengan harapan supaya orang ramai dapat mengawal kewangan mereka dengan lebih efektif.

“Isu yang menjadi satu cabaran untuk kami sekarang adalah campur tangan pihak ketiga atau mereka yang mengaku diri mereka sebagai ejen AKPK yang meminta bayaran daripada pelanggan yang ingin mendapatkan perkhidmatan kami.

"Sehingga hari ini, AKPK tidak pernah melantik mana-mana individu atau organisasi sebagai ejen kami.

Untuk menyebarkan hal ini, kami sedang bekerjasama dengan pihak media, kaunselor dan pelanggan-pelanggan kami untuk bersama-sama mendidik dan memaklumkan kepada orang ramai bahawa kami tidak mengenakan sebarang bayaran untuk perkhidmatan kami.

Apa yang anda perlu lakukan adalah menghubungi kami atau datang sendiri ke pejabat kaunseling berdekatan untuk mendapatkan bantuan," ujar beliau panjang lebar menerusi satu kenyataan media.

Dalam pada itu, AKPK berhasrat menjadikan pengurusan kewangan berhemat sebagai budaya hidup untuk semua rakyat Malaysia.



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7 Tip Wanita Bijak Wang

7 Things Every Woman Should Know About Money

1. Spend Less than You Earn

Of all the things every woman should know about money, this advice tops the list. Spending less than you earn is a secret to wealth. If you’re able to live below your means and stash the majority of your income, you can build your bank account at a faster pace. And if you choose the right investments, you can take your savings to a whole new level.

2. Get Adequate Health Insurance

It isn’t enough to have health insurance – you need insurance that will meet your needs. Too often, single women get just enough coverage to get by. Unfortunately, this coverage may not cover things like maternity or dental. Lack of adequate coverage can result in huge medical debt, practically crippling your personal finances.

3. Choose a Financially Responsible Mate

If you worked hard to get your finances on track and build a strong credit score, don’t let the behavior of a financially irresponsible partner slow down your goals. Some may disagree, but I firmly believe in the importance of knowing your partner’s full credit history before walking down the aisle. I’m talking debt amounts, credit scores and anything else that impacts the ability to get financing. The choices this person makes may affect you.

4. Splurge Wisely

There is nothing wrong with buying a pairs hoes or a new purse that you’ve been eyeing. However, it’s important to shop smart and only buy what you can truly afford. In other words, don’t spend rent or mortgage money trying to keep up with the latest fashions. If you want quality, but don’t have the budget for expensive labels, shop at discount department stores and clearances.

5. Shop with a List

If you shop without a list, there is a chance that you’ll buy things you don’t need and spend more than you have. Whether you’re heading to the grocery store or a retail store, jot down what you’re planning to buy and stick to this list.

6. Know Your Worth

It’s no secret that some employers pay male employees more than female employees. You can’t make a company offer you a bigger salary, but if you know your worth before going in for an interview,this provides some negotiating power. Do a research average salary for your position and experience level, both nationally and locally.

7. Don’t Be Afraid to Buy a House

If you’re single, have the credit score, and earn enough to afford your own house - why not take the leap? Who says you have to wait until marriage to dive into home ownership? Getting a house is a huge accomplishment. But to reach this goal, you need to save at least 5% for a downpayment and improve your credit score. You can get a mortgage with a 620 score.However, for the best mortgage rate - aim for a score of 740 or higher. This is your money and it’s up to you to make smart financial moves. Besides, a good financial record can take you places

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Keutamaan Budget Anda

How to Prioritise Your Budget

Your budget is pulling you into a million different directions: repair your car, save for retirement, pay off your credit cards, buy a new set of work-related clothes and save for your children's college education. So how can you balance these disparate savings goals, all of which require different amounts of cash and have different deadlines?


1.    Retirement Comes First

There is absolutely NO goal that's more important than saving for your retirement. Most people ignore retirement for two reasons one, it seems far away, and two, they assume that they can just keep working into their 70s. Unfortunately, not all retirements are voluntary. Job layoffs, age discrimination against older workers, family care obligations and health issues can force people into an early retirement. Don't think of "retirement" as a choice; think of it as something that ideally is a choice but might be the result of forced unemployment.


2.    Pay off Credit Cards Debts

Not all debt is bad. There might be strategic reasons why you'd choose to only make the minimum payments on a low-interest, housing loans or student loan. But if you're holding credit-card debt, pay it down even if your credit cards are currently offering a "teaser" zero-percent interest rate. It's only a matter of time before that teaser rate skyrockets into the double-digits.

3.    Start an Emergency Fund

This tip closely relates to the one above it: avoid future credit card debt by setting up an emergency fund. This fund will help you cover unexpected expenses like a major medical bill or costs relating to a job loss. Experts disagree about how large your emergency fund should be. Some say it should be as small as RM1,000. Others say you should save 6 months of living expenses. The most important thing, though, is that you set aside something.


4.    Keep Funds for Expected, Intermittent Costs

You know that someday, your roof will leak. You'll need to call a plumber. You'll need new tires. These are not "emergencies" or "unexpected expenses." These are inevitable expenses. Set aside a fund for these inevitable home and auto repairs that is separate from your emergency fund. This is simply a maintenance fund for predictable, inevitable expenses that happen at random intervals.


5.    Make a List of Remaining Goals

Brainstorm a list of every remaining goal you'd like to save for: a 5-day trip locally, a stainless-steel-and-granite kitchen remodel, or getting a second brand-new car. At this stage, don't pause to wonder how you'll pay for this. Just brainstorm the list. Then, write the target date for each of these goals. Don't worry about whether it's "realistic",you're still brainstorming.


6.    Tally the Costs

Next, write the target sums next to each goal. Your vacation will cost RM3,000. A kitchen remodel will cost RM15,000. A second, brand-new car will cost RM45,000.

7.    Divide

Divide the cost of each goal by its deadline. If you want a RM 3,000 trip to Redang Island within one year, for instance, you'll need to save RM 250 per month. If you want a RM 15,000 kitchen remodel in two years (24 months), you'll need to save RM 625 per month. At this point, you're probably noticing that you can't meet all your goals by their intended deadline especially after you factor for retirement, paying off debts and building an emergency fund, which are your top three priorities.

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