FINANCIAL CONFIDENCE. STRONGER COMMUNITIES.

Empowering Every Malaysian to Achieve

Financial Resilience

Practical education, trusted coaching and collective action, so better financial decisions are within everyone’s reach.

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Why financial health matters
  • KNOWLEDGE
  • CONFIDENCE
  • ACTION
  • RESILIENCE

TOGETHER FOR A BRIGHTER TOMORROW

Empowering Malaysian Consumers

We advance financial education, coaching, advocacy and community engagement to build a more financially resilient Malaysia.

Today’s financial decisions shape every stage of life.

PRESIDENT’S MESSAGE

Progress grows through partnership.

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FOUNDER’S INSIGHT

Why early action matters.

Founder’s story

Our Purpose

Our Vision

A financially resilient Malaysia with empowered consumers.

Our Mission

To advance financial education, coaching, advocacy and community engagement.

SIX OBJECTIVES. ONE SHARED OUTCOME.

How FAHAM creates meaningful impact.

Select an objective to see how FAHAM turns purpose into practical work for Malaysian consumers.

OBJECTIVE 1

Financial capability for all

Promote financial literacy, inclusion and wellbeing through education, coaching, advocacy and community engagement.
Education
Coaching
Community

OBJECTIVE 2

Stronger partnerships, wider reach

Work with financial institutions, government agencies and organisations to reach more people and communities.

Collaboration
Institutions
Outreach

OBJECTIVE 3

Sustainable impact

Build a sustainable model through grants, donations and fee-for-service activities that keep the mission moving forward.
Grants
Donations
Services

OBJECTIVE 4

Continuous improvement

Evaluate and strengthen programmes and services so they continue to meet the real needs of Malaysian consumers.
Evaluation
Quality
Outcomes

OBJECTIVE 5

Research into action

Advance financial-health research and translate evidence into practical programmes, policy ideas and community interventions.
Research
Evidence
Policy

OBJECTIVE 6

A stronger professional community

Grow a capable, engaged network of members, practitioners and volunteers committed to better financial health.
Members
Practitioners
Capacity

A FINANCIALLY RESILIENT MALAYSIA STARTS WITH INFORMED ACTION.

Learn with us. Partner with us. Build resilience together.

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Partner with FAHAM

Dr Husniyah Abd Rahim

Associate Professor
President and Co-Founder
Financial Health Association of Malaysia (FAHAM)

President’s Message

It is a great honour to serve as the first President and Co-Founder of the Financial Health Association of Malaysia (FAHAM). The Association was founded on the belief that financial education can transform lives by enabling people to make informed decisions and achieve sustainable economic well-being. Together with our Founder, Dr Rajna Anthony, and a committed team of academicians and professionals in the financial industry, we established FAHAM to support individuals, families, and communities across Malaysia. Our vision is to equip Malaysian consumers with the knowledge, skills, and resources needed to build a secure financial future. Through education, coaching, research, advocacy, and community engagement, FAHAM aims to strengthen financial capability and resilience. We also translate research on financial health, behaviour, and well-being into programmes that address Malaysians’ needs. We welcome collaboration with government agencies, institutions, corporations, researchers, and community organisations to expand financial education and create lasting change. I invite all who share our aspirations to support FAHAM as we build a financially informed, inclusive, and resilient Malaysia – one informed decision at a time.

Dr. Rajna Anthony

Founder, FAHAM

FOUNDER’S MESSAGE

From a Conversation to a Movement

What began as a conversation has become a movement dedicated to building financial resilience for every Malaysian.
The idea of establishing the Financial Health Association of Malaysia (FAHAM) was inspired by a simple yet thought-provoking conversation with a postgraduate student, Ms. Pri Hansini Chaskar. She observed that many people make poor financial decisions early in life and only realise their consequences in later years, when financial recovery becomes far more difficult. She expressed her hope for an association that would take such issues seriously and advocate for long-term financial well-being. She suggested the name Financial Health Association of Malaysia (FAHAM).
Her observation resonated deeply within me because it reflected what I had already discovered through my research and professional practice. My Master’s research identified significant gaps between financial attitudes and actual financial knowledge and behaviour among professionals, while my Doctoral research demonstrated that structured financial education and coaching could significantly improve financial capability, financial behaviour, and overall financial well-being. These findings reinforced my belief that financial challenges are often preventable through early intervention, evidence-based education, and continuous support.

I shared this vision with Associate Professor Dr. Husniyah Abd Rahim, my co-supervisor for my doctoral research, a respected expert in Family Economics and Resource Management and a Certified Financial Planner, who at the time, was leading a nationwide online financial coaching program funded by the Ministry of Domestic Trade. She had invited me to co-direct that initiative. Recognizing our shared vision, mission and core values, Dr. Husniyah joined me as the Co-Founder of FAHAM. Today, the Association continues to transform research into meaningful programs and collaborative initiatives.