Our Programs
Three Programs, Three Distinct Areas of Personal Finance
Each program is designed around a specific domain — structured with enough depth that the content remains genuinely useful after the sessions conclude.
Back to HomeOur Methodology
How We Structure Financial Education
Prospara programs are organised around real financial situations rather than theoretical frameworks. Each session introduces content through worked examples, gives participants time to apply it to their own documents or scenarios, and closes with a discussion that connects the session material to the broader program theme. Sessions are paced to allow genuine comprehension rather than surface coverage.
Session-by-Session Structure
Each session has a defined topic and outcome. Content builds progressively across the program so each session reinforces what came before.
Practical During Each Session
Worksheets and worked examples are completed during each session — not assigned as homework after the fact — to reinforce learning in context.
Open Q&A Throughout
Questions are welcomed throughout each session. Small group sizes mean the facilitator can respond to specific situations rather than deflecting to general answers.
Program 01
Everyday Money Skills
A practical, approachable program that addresses the financial situations Malaysians encounter most often — managing EPF nominations, understanding loan structures, reading bank statements, and navigating digital banking tools. The content is organised around real-life moments rather than abstract theory. Participants work through common scenarios and leave with actionable checklists for their own financial administration.
- EPF account management and nominations
- Understanding personal and hire-purchase loan structures
- Reading and interpreting monthly bank statements
- Safe use of digital banking and e-wallet platforms
- Personal finance organizer folder + digital resource pack
Program Flow
Financial Overview
Mapping your current financial picture
EPF & Insurance
Nominations, accounts, and statements
Understanding Loans
Structures, schedules, and true costs
Bank Statements
Reading and using your records
Digital Banking
Safe navigation of online tools
Practical Review
Completing your personal organizer
Program 02
Introduction to Unit Trusts & ETFs
Designed for individuals curious about collective investment vehicles but unsure where to begin. Participants learn how unit trusts and exchange-traded funds are structured, how to compare fee ratios, and how to assess fund performance in context. The program avoids jargon and instead uses visual breakdowns and comparative charts. The emphasis is on building comprehension so participants can have informed conversations with financial advisors.
- How unit trusts and ETFs are structured and priced
- Comparing expense ratios and total return figures
- Assessing fund performance relative to benchmarks
- Reading and interpreting a fund prospectus
- Fund comparison worksheet + annotated prospectus examples
Program Flow
Fund Structures
How collective vehicles work
Fees & Costs
Understanding what you pay
Reading Prospectuses
What to look for
Performance Review
Interpreting fund data
Comparison Exercise
Applying the worksheet
Program 03
Credit & Debt Navigation
A supportive workshop for individuals who want to understand credit systems and develop healthier approaches to managing debt. Topics include how credit scoring works in Malaysia (CCRIS and CTOS), strategies for debt consolidation, negotiating repayment terms, and building a sustainable credit profile. The tone is non-judgmental and solutions-oriented, with a private financial health check-in included.
- CCRIS and CTOS — what they record and how to read them
- Debt consolidation approaches and their practical trade-offs
- Communicating with lenders and negotiating repayment terms
- Building a consistent credit profile over time
- Private health check-in + take-home action planner
Program Flow
Credit Systems
Understanding CCRIS and CTOS
Managing Debt
Consolidation and prioritisation
Lender Conversations
Negotiation and communication
Building Credit
Sustainable habits over time
Program Comparison
Which Program Suits Your Situation?
The three programs cover different areas. Some participants complete more than one across different intakes.
| Feature | Money Skills | Unit Trusts | Credit & Debt |
|---|---|---|---|
| Price | RM 470 | RM 890 | RM 650 |
| Number of sessions | 6 | 5 | 4 |
| Duration per session | 70 min | ~90 min | 2 hrs |
| Includes take-home materials | |||
| Private 1-on-1 check-in | |||
| Best suited for | First-time financial organisation | Investment understanding | Credit or debt concerns |
Shared Across All Programs
Standards That Apply to Every Cohort
Data Privacy
All participant information is handled under Malaysia's PDPA 2010.
Quarterly Curriculum Updates
Material is reviewed each quarter to reflect changes in Malaysian regulations.
Post-Cohort Feedback
Participants complete a structured survey after each cohort to guide ongoing improvements.
Max 12 Per Cohort
Group sizes are kept small to ensure active, personalised participation.
Not Sure Which Program Fits?
We're Happy to Help You Decide
Send us an enquiry or call us and we'll take a few minutes to understand your situation and point you toward the most relevant program.
Get in Touch