Assalamualaikum w.b.t.,

Hidup di dunia yang sementara ini banyak mengabui mata kita tentang matlamat kehidupan yang sebenarnya. Kita semakin terdesak dengan himpitan kehidupan dan berlumba-lumba untuk mencari kehidupan yang lazimnya lebih menampakkan keduniaa semata-mata.
Apakah ada di antara pelaburan yang semakin hari semakin kurang diberikan tumpuan? Namun, apakah kita menidakkan keperluan yang perlu kita sediakan di dunia bagi persediaan akhirat? Bagaimanakah pula pelaburan di dunia yang wajar dilakukan untuk persediaan akhirat kita? Wajar rasanya kita sama-sama bincangkan dan jadikan maklumat bersama ini sebagai panduan kita merentasi dunia untuk menempah tempat yang selesa di akhirat kelak, insyaallah.

Pandangan serta komen rakan-taulan, pak-pak ustaz, profesionalis, akauntan, hartawan, dermawan, pak/mak wan dan sebagainya boleh dikongsi untuk dijadikan panduan disamping memperkuatkan ukhwah sesama kita. Sila diemailkan pandangan anda ke mryteratak@gmail.com.


Wassalam.
5/11/2009
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Pemberitahuan: Semua maklumat di blog ini adalah pandangan peribadi melainkan dinyatakan sebaliknya. Sila rujuk kepada institusi atau badan yang berkaitan untuk maklumat lebih lanjut. Sebarang rujukan dari blog ini adalah risiko sendiri.Pengarang tidak bertanggungjawab di atas sebarang masalah yang timbul disebabkan oleh bahan diblog ini.

Thursday, November 12, 2009

Adakah Anda Tahu Apa Itu AKPK?

Rujukan dipetik dari laman AKPK, untuk rujukan dan memahaminya. Sesiapa yang menghadapai masalah kewangan (hutang seperti hutang along), lemah dalam pengurusan kewangan dan ingin mendapat maklumat demi maklumat berkaitan pengurusan kewangan boleh merujuk terus kepada AKPK. Di sini sedikit panduan untuk kita bersama, moga Allah s.w.t. melindungi kita dan menjadikan kita antara mereka-mereka yang mengenal erti pengurusan kewangan bagi kepentingan dunia dan akhirat. Amin.

Untuk muat turun buku panduan Celik Wang Anda Dari AKPK disini (klik)
....
AKPK atau Agensi Kaunseling dan Pengurusan Kredit merupakan ebuah agensi yang ditubuhkan oleh Bank Negara Malaysia yang menyediakan perkhidmatan berikut:-
  • Perkhidmatan pengurusan kewangan dan kaunseling kredit,
  • Penstrukturan pinjaman pendidikan kewangan yang bermasalah,
  • Pendidikan kewangan
AKPK ditubuhkan dengan tujuan:-
  • menyediakan saluran kepada orang ramai supaya mereka mampu menguruskan perbelanjaan dengan berhemah dan teratur melalui pendidikan kewangan, perkhidmatan kaunseling serta nasihat khusus dalam pengurusan kewangan dan kredit.
  • meneguhkan sistem perbankan di Malaysia dengan membantu institusi kewangan dalam usaha pembayaran balik hutang dan mengurangkan kes-kes hutang tidak berbayar akibat pengurusan wang yang kurang cekap.
Anda boleh mendapatkan perkhidmatan dari AKPK, sekiranya anda mempunyai petanda berikut:-
  • Anda tidak dapat menguruskan wang dengan baik;
  • Anda mempunyai masalah dengan pembayaran hutang piutang;
  • Apabila anda hanya mampu membuat bayaran minima sebanyak 5% daripada jumlah hutang kad kredit anda;
  • Anda membuat pengeluaran secara tunai dari kad kredit untuk perbelanjaan atau membuat bayaran kad kredit lain
  • Anda tidak mempunyai sebarang simpanan atau insurans untuk menampung keperluan kecemasan
  • Anda sering mendapat panggilan daripada pemiutang
  • Anda telah diberi notis untuk diambil tindakan undang-undang oleh pihak pemiutang

Perkhidmatan yang diberikan oleh AKPK

1. Pendidikan Kewangan
  • Pendidikan Kewangan menyediakan program dan bahan pendidikan terutamanya mengenai penggunaan kredit secara betul dan kemahiran asas pengurusan wang serta tip untuk menggunakan kredit secara bertanggungjawab.
2.  Kaunseling dan Nasihat Mengenai Pengurusan Kewangan
  • Khidmat nasihat dan kaunseling mengenai Pengurusan Kewangan di mana AKPK memberi kaunseling dan nasihat berhubung bajet kewangan, pengurusan  wang dan isu-isu kredit termasuk membantu individu membuat belanjawan untuk mengurus perbelanjaan mereka.
3.  Program Pengurusan Kredit
  • Program Pengurusan Kredit membantu individu dalam menyediakan pelan pembayaran semula pinjaman melalui rundingan dengan penyedia perkhidmatan kewangan. Pelan tersebut akan membantu individu membayar balik pinjaman dan mengawal semula kewangan mereka.
(Lain-lain maklumat boleh diperolehi di sini http://www.akpk.org.my/tabid/147/Default.aspx)

Wassalam.

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