Our Company
A small firm with a steady, considered purpose
Majulah Finance was established to offer something specific: financial education that respects the lived experience of adults in their middle years, without pressure and without jargon.
← Back to HomeHow Majulah Finance came to be
Majulah Finance was founded in Singapore in 2019 by a small group of financial educators who had spent years working in banking and community financial counselling. Over time, they noticed something consistent: adults in their forties and fifties who came to workshops were not confused about money in general. They were confused about their money — where it actually went each month, what the terms on their housing loan really meant, and whether what they had set aside would hold through the years ahead.
The answer was not more complex seminars or dense reading. It was simpler material, delivered more slowly, with space for questions that people had been carrying quietly for years. That observation shaped the firm's approach from the outset.
Our courses are not designed to be sold quickly or completed in a weekend. They are designed to be worked through at a pace that allows ideas to settle — to be thought about during a commute, discussed over dinner, and returned to when something has shifted at home.
We are based at Cecil Street in the heart of Singapore's financial district, which we find fitting: the courses we offer deal plainly with the same instruments — loans, interest, debt ratios — that are often discussed behind glass in the offices nearby. We think these subjects belong in household conversations too, and that they are easier to hold there than most people expect.
Our mission
To offer financial education that is honest about complexity, unhurried in delivery, and shaped around the real conditions of Singapore households in their middle years.
The people behind the courses
A small, committed team with backgrounds in financial education, counselling, and adult learning.
Lim Peck Huat
Founding Educator
Sixteen years in retail banking and community financial counselling. Specialises in household debt structures and the practical implications of Singapore's mortgage frameworks.
Santha Rajan
Course Design Lead
A background in adult learning and curriculum development. Designed the weekly reading format and worksheet structures that run through all three Majulah Finance courses.
Chen Wei Lin
Participant Support
Manages participant enquiries and coordinates optional in-person sessions. Has a background in social work and brings particular care to the conversations that arise around family finances.
How we hold ourselves to account
We are a small firm. These standards are not marketing language — they are the practical commitments we return to when making decisions about course content and how we work with participants.
No product referrals
Majulah Finance does not receive referral fees, commissions, or payments from financial institutions. Our courses do not recommend specific banks, insurance products, or investment platforms.
Regularly reviewed content
Course material is reviewed each year against changes to MAS regulations, HDB loan policies, the Debt Consolidation Plan framework, and CPF rules that affect our age group.
Participant data handled with care
We collect only the information needed to administer your enrolment. We do not share personal data with third parties for marketing, and worksheet data saved locally stays on your own device.
Clear educational boundaries
We are educators, not advisers. Where a participant's situation calls for personalised guidance, we will say so plainly and refer them to Credit Counselling Singapore or a licensed financial adviser.
Aligned with national financial literacy efforts
Our course content is informed by MoneySense guidelines and the national financial education framework. We support participants in using publicly available resources, including the MoneySense portal.
Feedback shapes future editions
Participants are invited to share observations at the close of each course. This feedback is read by the course design team, not processed through an automated system, and informs revisions to upcoming editions.
Financial education shaped for Singapore's middle years
The household finances of adults in their forties and fifties in Singapore carry a particular texture. Housing loans may be seven or ten years into their term. Credit card balances that felt manageable ten years ago may have grown. CPF contributions from both spouses shape retirement calculations in ways that are not always well understood. Adult children may still require support. Ageing parents may begin to need it too.
Majulah Finance's three courses were developed with this texture in mind. The reading is slow and deliberate, because the subjects deserve that. The worksheets are designed to be kept and returned to, because financial clarity is not a one-time event. The tone is calm, because these are not emergency matters — they are household matters that benefit from steady attention.
We work from a small office on Cecil Street, not from a digital platform designed for maximum reach. We think that is the right scale for what we do. A course that takes nine weeks and asks you to think carefully about your household's reserves is not a product to be clicked through. It is a period of quiet, useful learning — and we would rather do a few things well than many things quickly.
Would you like to know more before deciding?
We are happy to have a short conversation about which course might suit your situation, or to answer any questions you have about how our courses are structured.
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