Abstract
Credit Credit management is a crucial aspect in ensuring financial sustainability within society, particularly among civil servants. Therefore, it is paramount that the general public in Malaysia have a comprehensive understanding and awareness of the Credit Management program through the Credit Counselling and Management Agency (AKPK) to prevent the community from being burdened with high levels of debt, which could potentially lead to bankruptcy. As such, this article aims to analyze the behavior of public servants in the state of Kedah, involving a total of 150 individuals, in order to identify their level of awareness of the credit management program under the AKPK.This study employs quantitative methods to examine demographic factors, as well as the relationship between consumer understanding, awareness, and perception of credit management programs through the Credit Counselling and Management Agency (AKPK) among public servants in Malaysia. The results of this study can be useful in improving the quality of the Credit Management program under AKPK and raising awareness among civil servants towards credit management in Malaysia.
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