Sounds that AKPK is a wrong setup with good initiative.

AKPK seems that indirectly encourage people wild spending by projecting a hope that AKPK will help them to resolve their unbearable debts later.

"spend lah... worst to worst.... go for AKPK"

AKPK should impose a rule as a condition of using their service, by increasing the person's EPF contribution to 15% or more, after freeing their debts.

AKPK should not only solve people's debt problem, indeed, help them to save money. Because, all these people come for help, are poor in money management.

This post has been edited by kpfun: Feb 11 2017, 03:04 PM