Our Programmes
Three pathways forward, each at the right depth for your situation.
Whether you are beginning to understand your household debt or ready to build a detailed recovery plan, there is a programme designed for where you are.
Return to HomeHow We Teach
Our methodology: ordered, private, applicable
Hikmah Academy's programmes follow a principle that applies across all three levels: knowledge is most useful when it is introduced in the right order, explained in plain language, and immediately connected to your own household circumstances.
Every session is accompanied by printed materials that learners complete independently. Group discussions, where they occur, are structured so that no participant is required to share personal financial details with others. The learning environment is quiet, measured, and free of commercial pressure.
Counsellor consultations are available as part of each programme — not as optional add-ons. This ensures that the education learners receive is grounded in real, licensed professional input, not just course material.
Sequential Learning
Content builds on itself — foundational before advanced.
Private Practice
Worksheets completed individually, without group disclosure.
Counsellor Access
Licensed consultations included — not optional extras.
Progress Reviews
Structured check-ins in the longer programmes.
Programme One
Understanding Household Debt
Duration: 3 weeks | Format: Evening webinars | Price: RM 530
This programme is for adults who want a calm, jargon-free overview of how household debt works in Malaysia. It does not assume financial background, and it does not rush. Over three weeks of evening sessions, learners build a clear map of their own debt situation using structures that are specific to the Malaysian banking and lending context.
What this programme covers
- Credit card balances, personal loans, and hire purchase — how each works and how interest accumulates
- Mortgage refinancing options available to Malaysian homeowners
- Debt-to-income ratios as assessed by Bank Negara Malaysia
- How to complete a privacy-protected household debt mapping worksheet
- One phone consultation with a licensed AKPK-aware credit counsellor
How sessions are delivered
- 1
Week 1 — Foundations: understanding your debt instruments and reading your statements accurately
- 2
Week 2 — Mapping: completing your household debt worksheet and understanding your debt-to-income position
- 3
Week 3 — Options: an overview of available mechanisms, followed by your individual counsellor phone consultation
Programme Two
Practical Debt Reduction Workshop
Duration: 6 weeks | Format: Webinar + small-group sessions | Price: RM 900
Designed for learners who have some understanding of their debt position and are ready to construct a structured repayment plan. This intermediate programme moves from awareness into practical decision-making — examining ordering strategies, AKPK's Debt Management Programme, and how debt reduction fits alongside continued retirement saving.
What this programme covers
- Payment ordering strategies — which debt to address first and why
- AKPK's Debt Management Programme — eligibility, process, and practical implications
- Hire purchase early settlement — calculations and considerations
- Balancing debt reduction with EPF contributions and retirement planning
- Two private consultations with a licensed credit counsellor
- Small-group workshop sessions in Melaka and Kuala Lumpur
Programme structure
- 1
Weeks 1–2: Assessment and ordering — reviewing your current debt map and establishing priorities
- 2
Weeks 3–4: Strategy development — constructing your structured repayment plan and examining restructuring options
- 3
Weeks 5–6: Implementation and counsellor sessions — finalising your plan with professional input and preparing for action
Programme Three
Comprehensive Household Recovery Programme
Duration: 4 months | Format: Monthly seminars + dedicated counsellor | Price: RM 1,440
This is the fullest programme we offer — designed for households navigating significant debt who want a thorough written recovery plan integrated with their broader financial circumstances. It is conducted with strict confidentiality, in small groups, with a dedicated counsellor who remains with you throughout the four months.
What this programme includes
- Monthly evening seminars in small, confidential groups (no more than 8 participants)
- A dedicated credit counsellor assigned for the full four months
- Coordinated review with AKPK-aware advisors when appropriate to your situation
- Structured progress reviews every six weeks
- A private hardbound household recovery binder
- Continued access to recorded sessions after completion
- Strict confidentiality protocols throughout
Programme timeline
- 1
Month 1: Full household financial review and recovery binder preparation
- 2
Month 2: Strategy development and first six-week progress review with counsellor
- 3
Month 3: Implementation support and second six-week review
- 4
Month 4: Consolidation, final review, and plan for independent continuation
Choosing the Right Programme
Which programme suits your situation?
If you are unsure which level is right for you, use the table below as a guide. You are also welcome to contact us — we will help you decide without any pressure.
| Feature | Understanding Debt RM 530 |
Debt Reduction RM 900 |
Recovery Programme RM 1,440 |
|---|---|---|---|
| Duration | 3 weeks | 6 weeks | 4 months |
| Evening webinars | |||
| Printed worksheets | |||
| Counsellor consultation(s) | 1 session | 2 sessions | Dedicated counsellor |
| In-person workshop option | |||
| Progress reviews | |||
| Private recovery binder | |||
| Access to recorded sessions |
Best for: Programme One
Adults who want to understand their debt situation clearly before deciding on next steps.
Best for: Programme Two
Those who understand their situation and are ready to build and follow a structured repayment plan.
Best for: Programme Three
Households with significant debt who need sustained support and a thorough written recovery plan.
Shared Across All Programmes
Our professional standards
PDPA 2010 Compliance
All data collected and stored in accordance with Malaysia's Personal Data Protection Act 2010.
Annual Curriculum Review
Course materials reviewed against current Bank Negara Malaysia guidelines every year.
Group Confidentiality
No personal financial figures are shared in group sessions. Private practice only.
No Referral Fees
Educators and counsellors do not accept commissions from any financial institution.
Not sure which programme fits?
Contact us — we will help you choose, without pressure.
A brief call or email exchange is usually enough to identify the right starting point. We are glad to talk through your situation before you commit to anything.
Contact Us to Discuss