1. URUS intro


URUS is a holistic assistance package to assist vulnerable borrowers impacted by COVID-19 who continue to experience cash flow difficulties. It offers repayment assistance and development support, including personalised financial plans, financial education programmes and avenues to supplement incomes and obtain other development support via referrals to AKPK’s Social
Synergy Network.

Key Features

Who is eligible?

B50 customers who meet all of the following criteria are eligible to apply for URUS:

  • Already under an existing repayment assistance programme (e.g., Targeted Repayment Assistance, PEMERKASA Plus, PEMULIH, bank’s own rescheduling and restructuring, etc.) as at 30 September 2021;
  • Have a gross household income of up to RM5,880;
  • Whose loan/financing is still performing (not in arrears exceeding 90 days) as at the date of their application; and
  • Have experienced loss of employment or at least a 50% reduction in income
What assistance can you get under URUS?
  • You will receive a Personalised Financial Plan (PFP) that sets out a monthly debt repayment amount and schedule for a period of up to 24 months.
  • The plan will take into account all your existing debt obligations and the amount of income you can currently afford to set aside to repay your debt after providing for living expenses.
  • The PFP will include:
    • An interest waiver for a period of 3 months;
    • Deferred payments and other options, including reduced instalments, to help manage your overall debt burden in line with your affordability; and
    • Development, education and advisory support to help you manage your finances and become more financially resilient.
  • As an added convenience, customers with borrowings from multiple banks will only need to apply to one of their banks. Subsequently, AKPK will help consolidate the details of their borrowings/financing across banks
    and develop a holistic and viable repayment assistance plan for the customer.
When can you apply?

Applications are open from 15 November 2021 until 31 January 2022. Get more information here.

2. URUS How to apply

How to apply

  • To apply for URUS, please get in touch with your banks from 15 November 2021 onwards.
  • Your bank will verify your eligibility and submit your application to AKPK to produce your personalised financial plan. AKPK will inform you of the status of your application accordingly.

URUS Infographics


3. List of Banks URUS pages