Three programmes, three starting points
Whether you are stepping into your first payslip, planning for your family's next decade, or giving your employees a structured financial grounding — Tenang Ledger has a programme built for that exact purpose.
Back to HomeHow our programmes are built
Every Tenang Ledger programme starts with a clear scope: a defined list of topics, a defined number of sessions, and a defined output — something you can take away and use. This structure is not arbitrary; it is how adult learning works when the goal is retention rather than attendance.
Content is written against publicly available Malaysian data — EPF contribution tables, Bank Negara Malaysia base rate announcements, published living costs for Klang Valley and other regions. Nothing in the curriculum relies on projected returns or hypothetical scenarios not grounded in observable fact.
After each session, participants consolidate with a short quiz or worksheet. These are not assessments — they are prompts for reflection, and they are reviewed by facilitators to spot where clarification is needed before the next session.
Define the scope clearly
Each programme publishes its topic list in advance. Participants know what they are enrolling in before they commit.
Deliver in structured sessions
Topics are sequenced so that each session builds on the last. Reflection worksheets between sessions keep learning active.
Provide something to take away
Every programme ends with a practical output — a starter kit, a planning workbook, a spreadsheet planner — designed to remain useful.
Follow up with relevant support
Discussion boards, personalised notes or HR reports ensure the learning continues after the last session ends.
Money Basics for Young Adults
A three-session online course designed for students and early-career adults aged 18 to 30. The programme covers the practical information most young Malaysians need to manage their first payslip, open and compare savings accounts, understand how interest works in both directions, use budgeting tools sensibly and identify common scam patterns before they cause harm. Sessions run on weekday evenings to fit around work or study.
What is included
- Three 90-minute online sessions on weekday evenings
- Short quiz and downloadable checklist after each session
- Private discussion board for questions between sessions
- "Starter Kit" PDF covering all programme topics
- Links to relevant BNM and SC public resources
Session topics
Family Planning Around Big Costs
A two-day weekend workshop for parents and caregivers who are preparing for large, known costs in the years ahead — school fees, university tuition, a first car or a home deposit. The workshop does not tell families what to do; it gives them the tools and the numbers to work through it themselves, in a facilitated small-group setting of no more than ten families at a time.
What is included
- Two full workshop days (Saturday and Sunday)
- Printed planning workbook to use during and after workshop
- Multi-year spreadsheet planner (editable, pre-built)
- Small-group facilitation — maximum ten families per cohort
- Follow-up email with personalised planner notes
Workshop focus areas
Workplace Money Skills Series
An eight-week programme delivered at the employer's premises or online, intended for organisations that want to give their people a structured, reliable foundation in personal money management. Modules cover budgeting, understanding payslips and statutory contributions, saving across different time horizons, borrowing with care, general insurance information, and preparing for retirement conversations. Suitable for groups of 20 to 50 employees.
What is included
- Eight weekly 60-minute sessions (on-site or online)
- Participant workbook for each module
- Recorded version of each session for absent staff
- HR summary report on programme completion
- HRDC-claimable — employer levy may offset the fee
Eight-week module schedule
Which programme suits your situation?
| Money Basics | Family Planning | Workplace Series | |
|---|---|---|---|
| Best for | Individuals 18–30 | Parents & caregivers | Organisations / HR teams |
| Format | Online | In-person / Online | On-site / Online |
| Duration | 3 × 90 min sessions | 2 full days | 8 × 60 min sessions |
| Group size | Open enrolment | Max 10 families | 20–50 employees |
| Workbook / planner | |||
| Follow-up support | Discussion board | Personalised notes | HR report + recordings |
| Fee (RM) | 440 / person | 1,900 / family | 4,400 / org |
| HRDC-claimable |
Not sure which programme applies? Send an enquiry and we will help you decide.
Shared across all three programmes
Participant data privacy
Enrolment information is held only as long as necessary and is never shared with financial product providers, advertisers or any third parties for commercial purposes.
Six-monthly content review
All programme materials are reviewed every six months against current EPF tables, BNM guidance and published cost data to ensure accuracy and relevance.
Education, not advice
All three programmes operate as education, not regulated financial advice. Facilitators are trained to recognise and redirect questions that fall into advisory territory.
Feedback-led improvement
Session feedback forms are reviewed after every cohort. Changes to content and delivery are based on what participants report, not internal assumption.
Facilitator independence
All facilitators are required to disclose professional affiliations and may not promote financial products within or alongside Tenang Ledger sessions.
Accessible materials
Participant materials are written for accessibility — plain language, clear layout and bilingual support available on request for suitable workshops.
Clear fees, nothing hidden
All materials, follow-up and support are included in the stated fee. No add-ons, no referral charges, no commercial arrangements hidden in the curriculum.
Money Basics
- 3 online sessions
- Quizzes & checklists
- Discussion board
- Starter kit PDF
Family Planning
- 2-day weekend workshop
- Printed workbook
- Spreadsheet planner
- Personalised follow-up
Workplace Series
- 8-week programme
- Workbooks + recordings
- HR summary report
- HRDC-claimable
Ready to book a place or ask a question?
Send an enquiry via the form on the home page or call us during office hours. We confirm upcoming cohort dates and respond to questions within one working day.
Send an Enquiry