SMU has established a partnership with the Association of Muslim Professionals (AMP) to conduct a financial literacy programme. This came about after data from AMP’s Debt Advisory Centre showed that one out of every four Malay-Muslims with debt problems are between the ages of 20 and 35, and 70% of these are saddled with debts because of poor financial management and their lifestyle choices. SMU third-year student Ms Siti Mardhiyyah Mohd Sa’at, a trainer with the Citi-SMU Financial Literacy Programme, said that it is important to know the difference between needs and wants, and to ensure that one has set aside for his needs before spending on his wants. SMU Associate Professor of Finance Jeremy Goh, Principal Investigator for the Citi-SMU Financial Literacy Programme, said that the SMU student trainers benefit from being able to go out to the society and disseminate the knowledge that they learnt.