Azmi, Ruzita; Indriyani, Rachma - 2024
objectives: (i) evaluate the Debt Management Programme or Plan (DMP) and financial or credit counselling in Malaysia and compare … the Credit Counselling and Debt Management Agency, commonly referred to as Agensi Kaunseling dan Pengurusan Kredit (AKPK … behaviour all fall under the umbrella of financial management. In today's unpredictable economy, it is widely acknowledged that …