Participant Experiences
What people say after learning with Melati
Honest accounts from participants across Perak and beyond — shared as they were told to us, without editing for marketing purposes.
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Programme participants
4.9/5
Average satisfaction score
6 yrs
Serving Ipoh & Perak
96%
Would recommend Melati
Reviews
In participants' own words
Zulaikha bt Azman
Retired teacher, Ipoh
"I attended the Calm Retirement Programme after my husband kept telling me to 'sort out the EPF'. I had no idea what he meant. After the six weeks, I finally understood what we had, what wasiat meant for us, and what questions I should be asking. Noraini is very patient — she never made me feel embarrassed for not knowing."
May 2025
Ramli bin Hussain
Civil engineer, Taiping
"I went to the Restful Look at Retirement class expecting something dry and full of numbers. It was nothing like that. Faizal explained PRS and EPF contributions clearly enough that I finally understood why my monthly statements look the way they do. The personal review at the end was the part that helped most."
May 2025
Normah bt Lokman
Small business owner, Ipoh
"I started with the Money Basics class because I was embarrassed to admit I had never really followed a budget. Two sessions and a workbook later, I could actually read my bank statement without dreading it. Small group made a big difference — I asked a lot of questions I would not have asked in a big hall."
April 2025
Kamariah bt Jaafar
Housewife, Batu Gajah
"What I liked was that nobody tried to sell me anything. Every seminar I had attended before always ended with someone trying to sign me up for something. Here, the whole focus was on what I already have and how to understand it. The session on hibah was something I had never had explained before."
May 2025
Ahmad Tarmizi bin Salleh
Healthcare worker, Ipoh
"I had questions about my EPF that I was always too busy to look into. The Restful Retirement class answered almost all of them. I would have liked a bit more time on the withdrawal options section, but I know I can send a follow-up question — and I did. Got a helpful reply within a few days."
April 2025
Suraya bt Razali
Primary school teacher, Chemor
"I enrolled in the Calm Retirement Programme and finished it in June. The healthcare planning session was eye-opening — I had not thought carefully about medical costs after retirement. Siti Hawa made the estate planning topics approachable. The follow-up support after the programme ended was genuinely useful."
June 2025
Case Studies
Stories of clearer understanding
These accounts describe real participant journeys, shared with permission and paraphrased to protect privacy.
The challenge
A 52-year-old from Ipoh who had never tracked her spending and could not understand why she always felt short at month-end, despite a regular salary.
What helped
The Money Basics programme walked her through reading her bank statement line by line and building a simple budget around her actual spending — not an idealised version of it.
What changed
Within two months, she identified RM 340 in monthly spending she had not noticed. She redirected it toward her EPF top-up. "I did not need to earn more. I just needed to see where it was going."
The challenge
A 48-year-old civil servant in Taiping who had been contributing to EPF for 22 years but had never read his statement carefully. He was anxious about whether he had enough and unsure how to think about the gap.
What helped
The personal review session in the Restful Retirement programme gave him private time to walk through his actual EPF figures with an educator and estimate his retirement income range calmly.
What changed
He started a voluntary EPF contribution of RM 200 a month — a decision he felt comfortable making after understanding exactly what it would mean over 12 years. "I stopped worrying and started deciding."
The challenge
A couple in their early 50s from Chemor who wanted to plan retirement together but kept disagreeing on priorities. They had never formally discussed wasiat or what would happen to their savings if one of them passed.
What helped
The Calm Retirement Programme's estate planning sessions gave them a shared vocabulary. Siti Hawa's approach to the wasiat and hibah topics was patient enough that both felt comfortable asking questions openly.
What changed
They left the programme with a joint plan and a short list of steps to take. They made their wasiat the following month. "We were putting it off for years. Knowing what it actually involved made it easy."
Get in Touch
Reach us directly
Phone
+60 3-5631 0492
Address
48, Persiaran Greentown 3, 30450 Ipoh, Perak
Hours
Mon–Fri: 9am–5:30pm
Sat: 9am–1pm
Professional Standards
Our credentials
Perak Adult Educators Network
Community education contributor recognition, 2022
Financial Literacy Educator Certification
Core team certified in adult financial literacy facilitation
Independent Education Provider
No affiliations with any financial product provider or institution
Would you like to experience this for yourself?
The experiences above reflect what happens when the pace is right and the teaching is honest. Send us a message and we will help you find the starting point that fits.
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