Hikmah Academy, Melaka

Managing household debt deserves quiet study, not rushed advice.

We offer structured, jargon-free courses for Malaysians aged 40 and above — helping you understand your financial position clearly, and move forward at a measured pace.

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+60 18-624 9073 [email protected] AKPK-aware counsellors

Our Programmes

Three pathways — each at your pace

Each programme is designed around the reality that managing debt at this stage of life requires patience and clear information, not urgency. Choose the depth of support that suits your situation.

3-Week Course

Understanding Household Debt

A calm, jargon-free overview of household debt structures in Malaysia — covering credit cards, personal loans, hire purchase, and mortgage refinancing. Includes one phone consultation with a licensed credit counsellor.

Evening webinar sessions with worksheets
Privacy-protected debt mapping template
AKPK-aware counsellor consultation

RM 530 Enquire

6-Week Workshop

Practical Debt Reduction Workshop

Build and follow a structured debt reduction plan. Covers AKPK's Debt Management Programme, hire purchase settlement, and balancing debt reduction with retirement saving. Small-group sessions in Melaka and Kuala Lumpur.

Downloadable repayment templates
Two private counsellor consultations
Small-group workshops (Melaka & KL)

RM 900 Enquire

4-Month Programme

Comprehensive Household Recovery Programme

A thorough recovery programme for households with significant debt. Includes monthly seminars in confidential small groups, a dedicated counsellor, structured progress reviews, and a private hardbound recovery binder.

Dedicated counsellor for full duration
Private hardbound recovery binder
Strict confidentiality throughout

RM 1,440 Enquire

Why Hikmah Academy

Built around your dignity and your pace

We do not believe financial difficulties are shameful. Our programmes are designed with full respect for your circumstances and your privacy.

Strict Confidentiality

Every session, record, and consultation is handled with full discretion. Your financial details are never shared without your written consent.

Structured Learning

Each programme follows a clear curriculum — no overwhelming information dumps. Material is introduced in logical, digestible chapters with time to absorb and apply.

AKPK-Aware Counsellors

Our partnered credit counsellors are familiar with Malaysia's Agensi Kaunseling dan Pengurusan Kredit framework, giving you access to relevant, local-context guidance.

Evening & Weekend Scheduling

Sessions are held in the evenings and on weekends, thoughtfully arranged so that those with ongoing work or family responsibilities can participate without disruption.

Local to Malaysia

All content reflects Malaysian financial law, Bank Negara Malaysia guidelines, and local lending structures — not generic advice adapted from other markets.

Printed Materials Included

Each programme includes physical worksheets or binders — because some things are easier to think through on paper, without a screen in the way.

Take the First Step

Understanding your debt clearly is already progress.

Whether you are at the beginning of thinking about this, or already ready to act — we are here to help at whatever pace suits you. Reach out for a quiet conversation.

Get in Touch Browse Programmes

+60 18-624 9073 [email protected]

Common Questions

Questions we often hear

These are the questions most people have before reaching out. If yours is not here, please contact us directly.

Who are these programmes designed for?

Our programmes are designed for Malaysians aged 40 and above who want to understand their household debt more clearly. You do not need any background in finance — these courses start from where most people actually are, not from an assumed level of knowledge.

Are the sessions held in person or online?

The first programme uses evening webinars. The second includes both online sessions and small-group workshops in Melaka and Kuala Lumpur. The comprehensive programme uses in-person monthly seminars in small, confidential groups. We will confirm arrangements when you register.

How is my information kept private?

We treat all personal and financial information with full discretion. Group sessions never require you to share your specific figures with others — exercises are done privately. All records are stored securely and are never disclosed without your explicit written consent.

What is AKPK and why does it matter?

AKPK (Agensi Kaunseling dan Pengurusan Kredit) is a Malaysian government-linked agency that assists individuals with financial difficulties. Our counsellors are familiar with AKPK's Debt Management Programme and can help you understand whether and how it might apply to your situation.

How do I pay, and are there instalment options?

Payment details are discussed during your initial enquiry. We accept bank transfer and will discuss scheduling that is appropriate to your circumstances. Please contact us to ask about instalment arrangements for the longer programmes.

What happens after the programme ends?

Participants in the Comprehensive Programme retain access to recorded sessions and keep their recovery binder. For all programmes, we are available by phone or email for brief follow-up questions for 30 days after completion.

Our Location

Find Us in Melaka

Jalan Bendahara 54, 75000 Melaka, Malaysia

Reach Us

Get in Touch

We are glad to answer questions before you commit to anything. Send us a message, or call during our working hours.

Contact Details

Phone

+60 18-624 9073

[email protected]

Address