Stories from Our Participants
Hear from Malaysians who have completed our programs and are applying what they learned to their own financial decisions.
Return HomeWhat Participants Say
These testimonials reflect genuine experiences from individuals who've taken part in our programs across the past few years.
Aisha Farhana
Kuala Lumpur
The Women and Finance Workshop helped me think through how a career break would affect my EPF contributions. The facilitators explained everything clearly and made space for questions without judgment.
January 20, 2026
Daniel Tan
Johor Bahru
I attended the Youth Financial Literacy program and found the PTPTN loan section particularly useful. Understanding my repayment options early will save me from making choices I might regret later.
January 14, 2026
Muthu Raman
Melaka
The Pre-Retirement Review gave me clarity about my EPF withdrawal options that I hadn't considered before. The individual consultation was particularly helpful for working through my specific situation.
January 8, 2026
Nurul Izzah
Seremban
What I appreciated most was how the program addressed real Malaysian financial situations. The facilitators used examples from EPF and local banking that I could relate to immediately.
January 26, 2026
Chong Wei Lun
Ipoh
The small group size made a noticeable difference. I felt comfortable asking questions that might have seemed basic, and the facilitators took time to ensure everyone understood before moving forward.
January 18, 2026
Prema Sundari
Penang
I appreciated that the program focused on education rather than trying to sell financial products. The materials provided are practical and I still refer to them when making financial decisions.
January 12, 2026
Participant Success Stories
These case studies illustrate how participants have applied program concepts to their own financial situations.
Zainal Ahmad
Age 23, Recent Graduate
Challenge
Zainal had just started his first job and was managing independent income for the first time. He had a PTPTN loan and was uncertain about balancing loan repayment with building savings.
Approach
Through the Youth Financial Literacy program, Zainal learned about the various PTPTN repayment options and created a balanced approach that included both loan repayment and emergency savings.
Outcome
Within four months, Zainal had established an emergency fund covering two months of expenses while maintaining consistent PTPTN payments. He now feels more confident about his financial planning.
"Understanding that I could balance both goals made a significant difference in how I approached my finances."
Letchumi Malar
Age 38, Re-entering Workforce
Challenge
After a six-year career break for family responsibilities, Letchumi was concerned about the gap in her EPF contributions and how to rebuild her retirement savings while managing current expenses.
Approach
The Women and Finance Workshop helped her understand voluntary EPF contributions and create a realistic plan for catching up on retirement savings over time without financial strain.
Outcome
Letchumi implemented a gradual contribution increase plan and now makes quarterly voluntary EPF contributions. She reports feeling less anxious about her retirement preparedness.
"The program showed me that the gap in my contributions wasn't insurmountable if I approached it thoughtfully."
Kumar Harison
Age 52, Pre-Retirement Planning
Challenge
Kumar was uncertain about his retirement timeline and whether his EPF savings would support the lifestyle he hoped to maintain. Healthcare costs were a particular concern.
Approach
The Pre-Retirement Financial Review helped him create detailed expense projections and understand various EPF withdrawal strategies. The individual consultation addressed his specific healthcare planning questions.
Outcome
Kumar now has a clear retirement timeline and realistic expense budget. He's made adjustments to his insurance coverage and feels more prepared for the transition to retirement.
"Having concrete numbers and a timeline removed much of the uncertainty I'd been feeling about retirement."
Our Track Record
These figures reflect our work since establishing lumina fiissca in 2018.
Years Operating
Serving the Melaka community since 2018
Participants Served
Across all three programs
Average Rating
Based on post-program feedback
Would Recommend
Participants who would recommend to others
Get in Touch
If you have questions about our programs or want to discuss which might suit your needs, we're available to chat.
Phone
+60 6-282 5147
Location
No. 78, Jalan Hang Jebat
75200 Melaka, Malaysia
Office Hours
Monday - Friday: 9:00 AM - 5:00 PM
Saturday: 10:00 AM - 2:00 PM
Join Our Next Program
If these stories resonate with your own financial education needs, we'd like to hear from you. Contact us to learn more about upcoming sessions.
Contact Us