For Employers & Teams

Financially stressed staff cost you before lunch.

Money worry follows your people to work — as lost focus, absence, and turnover. A claimable financial-literacy session turns that leak into a measurable win. Here's the case.

01 · The problem Open

The hidden payroll cost

Financial stress doesn't stay at home. It shows up on your floor every day — you're already paying for it, just not on a line you can see.

01
Absence
Stress-driven sick days and time off.
02
Presenteeism
Present, but distracted and unproductive.
03
Turnover
Staff leaving to chase small pay bumps.
04
Focus lost
Money worry pulling attention off the job.
Walk your floor — The Invisible Ledger →
02 · The proof Open

The numbers, employer-relevant

Malaysian data your HR lead can forward upward without a second thought. Sourced from public figures — credible, and safely on the education side of the line.

61%
of Malaysians had difficulty raising RM1,000 in an emergency (2024) — up from 47% in 2021
source: Bank Negara Malaysia, FCI Survey 2024
~64%
of active EPF members are below the basic savings adequacy mark — only 36% have reached it
source: Ministry of Finance / EPF, Oct 2024
65%
of financially stressed Malaysian workers say it affects their work productivity
source: AKPK, "From Nine to Five" study

Figures from Bank Negara Malaysia, the Ministry of Finance/EPF, and AKPK — public, current, and safely on the education side of the line.

03 · Your figure Gated · email + company

What the status quo is costing you

Enter your headcount and see the estimated annual cost of financial stress across your team. This is your number — not a national average.

Cost of Doing Nothing — calculator ◆ result unlocks with your details
See what the status quo costs you
Enter your headcount and average salary. The calculator estimates the annual productivity cost of financial stress across your team — your number, not a national average.
Open the Quiet Leak calculator →
04 · The upside Open

More than a perk — your social pillar

Employee financial wellbeing isn't just goodwill. It's reportable substance for the "S" in ESG — the kind of measurable social impact boards increasingly ask for.

What a session gives you
  • Measurable social-impact activity to report
  • Evidence of investment in employee wellbeing
  • A differentiator most literacy providers ignore
05 · The close

Claimable, and done for you

HRDC-claimable sessions, delivered for your team with zero admin on your side. You approve the date — content, delivery, and materials are handled.

◆ HRDC claimable
◆ Content handled
◆ Delivered on-site or online
◆ Materials included
Book a talk — or ask a question

A short request form — name, company, email, and anything you'd like to ask. No obligation, no product pitch.

Book a talk →
Take the case to your manager
Not ready to book? Start a conversation and we'll send a short summary you can forward for sign-off — the problem, the numbers, and why it's HRD Corp-claimable.
Start the conversation →
Built on Malaysian data
Every figure here is drawn from Bank Negara Malaysia, the Ministry of Finance, EPF and AKPK — public, current, and safely on the education side of the line. Sessions are delivered on-site or online, with content and materials handled.