What Participants Say

Accounts from people who attended

No promotional summaries — these are candid reflections from participants across all three of our programs.

350+

Participants across all cohorts

4.8

Average program rating out of 5

92%

Report improved financial confidence

3

Programs, each with dedicated facilitator

Participant Reviews

What people found useful

Nurul Farahiyah

Civil engineer · Penang · Program 01

I had been ignoring my PTPTN for two years because I found the whole thing confusing. After the second session I understood what I owed, how the repayment schedule worked, and what I could do about it. That alone was worth attending.

March 2025

Tan Kah Seng

Restaurant owner · George Town · Program 02

I run a small business and was investing on Bursa without really understanding the reports I was looking at. The ratio card from session four is still on my desk. I use it every time I look at a new company now.

February 2025

Zainab Ibrahim

Secondary teacher · Butterworth · Program 03

The hibah and nomination sections were something I had never understood before. My husband and I had been putting off updating our EPF nominations for years — after the program we did it the following week. The private consultation was what really made it feel relevant to us specifically.

March 2025

Rajan Pillai

IT executive · Penang · Program 01

I was earning a decent salary but had no organised sense of where it was going. The checklist at the end of the program gave me a clear list of things to address. I have now set up a proper emergency fund and know exactly what my employer contributes to EPF each month.

January 2025

Lim Mei Ling

Pharmacist · Georgetown · Program 02

I came in thinking I needed a much more advanced background than I actually did. The facilitator was good at explaining concepts without making anyone feel slow. I would say by session three I was genuinely enjoying reading annual reports — which surprised me.

February 2025

Ahmad Mukhlis

Construction manager · Seberang Prai · Program 03

My wife and I attended together. The amanah session answered questions we had been uncertain about for a long time. Having a private consultation as part of the program meant we could ask the specific questions we were not comfortable raising in the group. Very well handled.

March 2025

Case Studies

How attendance led to change

Program 01 — Young Professional

Getting control of a first salary at 26

The Situation

A recently promoted engineer in Penang was earning well but had no system for managing her income. PTPTN repayments were sporadic, she had no emergency savings, and her EPF statement had never been opened.

What the Program Addressed

Sessions 1 and 2 helped her map her current position. Sessions 3 and 4 covered EPF and the mechanics of debt repayment. By session 5 she had set up an automated savings transfer.

Three Months Later

PTPTN repayments reinstated. Emergency fund opened and building. Monthly financial review established using the checklist from the final session. First EPF annual statement reviewed and understood.

Program 03 — Estate Planning

A couple in their forties finally writing a will

The Situation

A business owner and his wife had two properties, an ongoing insurance policy, and EPF savings — but no will, no clear nominations, and limited understanding of what would happen to their assets if either of them died suddenly.

What the Program Addressed

Day 1 produced a full asset inventory. Day 2 covered will drafting, EPF nomination updates, and the role of hibah for specific assets. The private consultation allowed them to work through their specific situation with the facilitator directly.

Six Months Later

Will drafted and signed through a qualified solicitor. EPF nominations updated for both. Insurance beneficiary reviewed and corrected. The couple described the process as the most useful financial conversation they had ever had.

Have a question about any program?

We respond to all enquiries within one working day. There is no pressure — asking a question does not commit you to anything.

+60 4-2617 8453

[email protected]

9 Persiaran Gurney, 10250 George Town, Penang

Mon–Fri: 9:00 AM – 6:00 PM
Sat: 9:00 AM – 1:00 PM

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