Monday 14 May 2007

Brunei Darussalam Welfare System

south east asia map

This post is originally intended as a continuation from about Brunei Darussalam, 'Wealthy Nation'... A friend of mine was rather interested in the Brunei Darussalam welfare syastem after watching the videos, and I decided to make a post on it and share only now...
Actually I realized not many people know where Brunei is located, including West Malaysians, much less realize that Brunei is a fully-fledged welfare state. As a sidenote, Asia does not have many welfare states, which includes Kuwait, South Korea, Japan, Saudi Arabia, and Brunei Darussalam is the only country with a generous welfare system among ASEAN members.

brunei map
 A larger version of the map of Brunei.
Brunei is approximately 10 times the size of Singapore, 
with an area of 5,765 km square, 
but only has a population of approximately 380,000.

Brunei's welfare system can be summed up in 2 words: OIL & GAS!!! At the turn of 20th century, Brunei was an economic backwater relying on agriculture and fishing, until the oil struck in Seria on 5th April 1929 transformed Brunei into one of the most prosperous nation in the region.

Since then, money began piling up, and there wasn't a fast enough way to spend it. In 1955, the then Al-Marhum Sultan Haji Omar Ali Saifuddien III, 28th Sultan of Brunei, promulgated Brunei's welfare model in the First National Development Plan (NDP), catching the people in the country by surprise.


 The Billionth Barrel Monument in Seria
                         The Billionth Barrel Monument in Seria and a nodding donkey beside it

Brunei provides generous welfare benefits for her citizens and residents. Note there is a clear distinction between citizens and residents in many aspects, that'll be another post for another day. 
 The Brunei citizenship benefits, The welfare includes:
  • NO TAXES: Brunei does not require her citizens and residents to pay any form of taxes to finance the welfare benefits of the state. There are NO income tax, NO Goods & Services Tax (GST) or Value-Added Tax (VAT), NO licence fees for television sets etc. The only tax I remember paying for was the Road Tax for our cars.
  • FREE EDUCATION: Brunei citizens enjoy the privilege of free education in public schools in the Sultanate from primary level right up to tertiary level. Promising students are sent abroad to UK and Australia on Brunei Darussalam Government scholarship. On top of that, the government generously provides an allowance of SGD1000 per tertiary student per month, regardless of whether they are in local or overseas tertiary institutions. Unlike Malaysia, education in Brunei uses English as the medium of instruction and most students possess at least a GCE O Level or GCE A Level certificate.
  • FREE HEALTHCARE: Brunei citizens are entitled to free medical services. They do not have to pay for consultations with any doctors, nor do they have to pay for any operations or surgeries performed. However, Permanent Residents are required to pay a nominal consultation fee of a few dollars. In the case that a Brunei citizen requires a very specialized treatment that is not available in the Sultanate, he/she will be sent overseas to Singapore or UK to receive treatment, being that all expenses are borne by the government. Accompanying family members also have their expenses paid for by the government. For expecting mothers, pre-natal checks are completely free. After birth, the government would generously provide free milk powder and tonics.
  • PENSION SCHEME: Since the First NDP in 1955, the government had placed a heavy emphasis on taking care of the elderly in the country. Pension rates had been revised recently, and all citizens and residents above the age of 60, are now entitled to SGD250 per month, funded directly from the government's coffer! On top of that, residents also have a Workers' Provident Fund, or what is locally known as Tabung Amanah Pekerja (TAP). Apart from that, widows, orphans and invalids are also entitled to handouts.
  • HOUSING SCHEMES/SKIM PERUMAHAN: Since independence in 1984, the government had been actively advocating a policy to ensure that everyone has a right to own a house. If you are a couple with no assets, you will be entitled to a free land with no strings attached. The government will even provide a very low interest loan to build your dream house. Civil servants, however, will be entitled to an interest-free loan instead. A typical house costs only around SGD100,000 to SGD200,000 to build. Otherwise, you can always opt for readily-built houses from the government, and if you are starting a family, you can pay interest-free installments of a few hundred dollars for over 10 to 20 years. Thereafter, the house is yours forever, unlike the 99-year HDB lease in Singapore and you can bequest it to your descendants. The benevolent monarch is so concerned about the housing welfare of his citizens/rakyats that he personally hand them the keys to their new house. Some pictures of houses in Brunei below:
 brunei Government Housing
  Government Housing - Ready-made units(left), Non-ready made(right)
  Private Houses in Kuala Belait
  Private Houses in Kuala Belait
  Private Houses in Kuala Belait
Another house - think is Perumahan in Kuala Belait

  • SUBSIDIZED PETROL AND AMENITIES: Many things that we Bruneian locals take for granted day to day are actually heavily subsidized by our dear government. Being an oil-producing country, we enjoy one of the lowest petrol prices in the region - SGD 0.53 per litre. For the same amount of petrol, Singapore costs around SGD 1.74 to SGD 1.90 and Malaysia costs approximately RM1.92. Apart from that, we also enjoy low water and electricity tariffs, prices which had been unchanged for the past 40 years since 1960s. With water tariffs as low as SGD0.11 per cubic meter, we have one of highest rate of water consumption per head in the region.
  • SUBSIDIZED FOOD: The Brunei government also attempts to make food cheap and affordable for all. The government imports plain fragrant rice from Thailand and sells to the population at cost price. As most food supplies in Brunei are imported, to offset the cost of imported food like beef and mutton, the government owned a huge cattle ranch in Wileroo, Darwin, Australia. The entire ranch is larger than the whole of Brunei, with an area of 5,859 square kilometers. This ranch is responsible for ensuring fresh beef and mutton supply to the Brunei populace at low price.
  • SHELL-FARE: Shell Petroleum Brunei Shell Petroleum Brunei is one of the largest employers in Brunei's labor market. It is actually also part of Brunei's welfare system, but under the disguise of corporate welfare. Shell in Brunei is like a mini-state of its own. It has its own recreation club (BSRC) and Health Center (with free dental) FOC for its employees and their dependants. Not only that, they even have provides their own housing for their employees (expats, BSP and BLNG staffs). Shell Brunei owns a myriad of houses around the district - from the Canadian Houses in Panaga (so called because the houses are Canadian-styled and timbers are imported from Canada) to housing estates beside the sea in Kuala Belait. Shell is concerned about welfare of its employees, and provides allowances such as housing allowances, transport allowances etc. If your dependants study in a private school, Shell will take care of your dependants school fees and education allowance.
  • FREE COOKING GAS & EXCELLENT ROADS: Cooking gas is absolutely free in Brunei, actually, in my town, Kuala Belait, and Seria probably. Due to close proximity to the oil fields in Seria and Shell in Panaga, cooking gas is actually PIPED into our kitchens! There is no need to purchase the cumbersome gas cylinders. Turn on the stoves as you would turn on a tap, and VOILA! We have got gas and currently it is still FOC! Since we are an oil producing nation, it is imperative the we have an abundance of asphalt - a by product of crude oil during refining. Apparently, the asphalt has to go somewhere, and thus we see new roads being built and roads/highways being paved and then re-paved from time to time. It would be a real challenge to find badly-weathered roads in major towns.
Roads: Highway leading to BSB(Left), Road to BSB(Belait)

Roads: Highway leading to BSB(Left), Road to BSB(Belait)
  • FINANCIAL BAIL OUT: There are cases where people who had gotten themselves into debt got bailed out by the government. I remember reading somewhere that, for some unknown reasons if you took out some loans financing your studies abroad and somehow managed to convince the authorities that you are unable to repay your loans/debts, the government can lend a helping hand and bail you out of your debts. However, whether this bailing comes with any ensuing conditions or not I do not know.
Despite being a welfare nation, Brunei does not readily give handouts to unemployed masses. This is to prevent corroding the work ethics of the society and to ensure that no one fall one into welfare trap - whereby people live on welfare handouts than be gainfully employed.

The above list is most probably not be a comprehensive list of the Brunei welfare. There could be other welfare benefits which I am not aware of.

Sometimes, I feel lucky to be born in Brunei, though I am not a citizen YET. Probably won't be blogging till next Wednesday, after I finished my first exam - Advanced Data Management. Wish me luck!!!

source :
http://ykwang84.blogspot.com/2007/04/steady-welfarism.html

62 comments:

  1. Well, the welfare can be summed up in 2 words that is Free and Subsidised like you said. Oil and gas is the summed up of Revenue.
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    ReplyDelete
  25. PACIFIC LOAN SERVICE
    ===============================
    This is a Christian Organization formed to help people in need of
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    ReplyDelete
  26. PACIFIC LOAN SERVICE
    ===============================
    This is a Christian Organization formed to help people in need of
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    crises. If you are short of cash and in need of financial assistance
    PACIFIC LOAN SERVICE is the best solution.
    We make applying and qualifying for a loan quick, easy and painless.
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    DO YOU NEED A LOAN TO PAY BILL?
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    ======================
    If you are having any stress in obtaining a loan from your local
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    ============================
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    PREFIX {MR.,MRS.,MS.,DR.,etc.}
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    ReplyDelete
  27. Do you need Finance?
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    ReplyDelete
  28. Are you tired of seeking loans and Mortgages,have you been turned down constantly By your banks and other financial institutions,We offer any form of loan to individuals and corporate bodies at low interest rate.If you are interested in taking a loan,feel free to contact us today,we promise to offer you the best services ever.Just give us a try,because a trial will convince you.What are your Financial needs?Do you need a business loan?Do you need a personal loan?Do you want to buy a car?Do you want to refinance?Do you need a mortgage loan?Do you need a huge capital to start off your business proposal or expansion? Have you lost hope and you think there is no way out, and your financial burdens still persists? Contact us (gaincreditloan1@gmail.com)

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    ReplyDelete
  29. My Name is Mrs Angel Mariana. I live in Portugal and i am a very happy woman today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them.They gave me and my family happiness, i was in need of a loan of €150,000.00 to start my life all over as a widowed with 3 kids I meant this honest and GOD fearing loan lending company online that helped me with a loan of €150,000.00, They are indeed GOD fearing People, A reputable loan company.

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    Mrs Angel Mariana

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    ReplyDelete
  30. My Name is Mrs Angel Mariana. I live in Portugal and i am a very happy woman today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them.They gave me and my family happiness, i was in need of a loan of €150,000.00 to start my life all over as a widowed with 3 kids I meant this honest and GOD fearing loan lending company online that helped me with a loan of €150,000.00, They are indeed GOD fearing People, A reputable loan company.

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    Mrs Angel Mariana

    Testimony on how i got my loan

    ReplyDelete
  31. We Offer Loan At A Very Low Rate Of 3%. If Interested, Kindly Contact Us Now.email us now reply to email (urgentloan22@gmail.com)

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    ReplyDelete
  32. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    BORROWERS APPLICATION DETAILS


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    Managements
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    ReplyDelete
  33. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    BORROWERS APPLICATION DETAILS


    1. Name Of Applicant in Full:……..
    2. Telephone Numbers:……….
    3. Address and Location:…….
    4. Amount in request………..
    5. Repayment Period:………..
    6. Purpose Of Loan………….
    7. country…………………
    8. phone…………………..
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    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete
  34. Are you seriously in need of a loan? do you believe there is still genuine and reliable lender? what is your financial stress? Personal loan, Company loan, Business loan, Student loan. There is a cheap offer here with 2.5% interest Rate avail unsecured Loan. Contact for genuine purpose. and you shall find loan here. good services well reliable apply for quick Loan. how serious are you being in need of a Loan. Were you disappointed before has it failed when you first tried? don't give up, keep hoping. Find good services here, that we interest you! suit your budget do you wish a loan urgent and very fast. unsecured and secured Loan Contact Us:Email:(royaleviewloanservice@gmail.com)

    ReplyDelete
  35. Do you need a loan? or in need of financial help? we offer loan from the range of $3,000 to $10,000,000 to individual and co- operate bodies in need of financial assistance, Application are available for applicant over 18 years only. contact us by email via royaleviewloanservice@gmail.com if interested in a fast and easy loan at a low and affordable interest rate of 2.5% per annul.

    BORROWER DATA.
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    ReplyDelete

  36. Dear Customers,

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    ReplyDelete
  37. Hello Everybody,
    My name is Ahmad Asnul Brunei, I contacted Mr Osman Loan Firm for a business loan amount of $250,000, Then i was told about the step of approving my requested loan amount, after taking the risk again because i was so much desperate of setting up a business to my greatest surprise, the loan amount was credited to my bank account within 24 banking hours without any stress of getting my loan. I was surprise because i was first fall a victim of scam! If you are interested of securing any loan amount & you are located in any country, I'll advise you can contact Mr Osman Loan Firm via email osmanloanserves@gmail.com

    LOAN APPLICATION INFORMATION FORM
    First name......
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    Derek Email osmanloanserves@gmail.com

    ReplyDelete
  38. Do you need an urgent loan? We offer loans with a low interest rate.
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    ReplyDelete
  39. LOAN OFFER APPROVED IN 60MINS !!

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  40. Hello, Do you need a loan from The most trusted and reliable company
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    ReplyDelete
  41. My name is Charles David,I am a Citizen Of USA.Have you been looking for a loan?Do you need an urgent personal or business loan?contact Mr James Eric Finance Home he help me with a loan of $320.000 some days ago after been scammed of $4500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $320.000.Feel free to contact the company for a genuine financial service. Email:{urgentfastloan@gmail.com}

    LOAN APPLICATION FORM:

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    ReplyDelete
  42. Are you looking for a Genuine and reliable Supplier of Russian Origin Products? Worry no more as Krivtsov Oil Consultant have Available FOB Rotterdam for JP54,JA1,D2, D6 and CIF Rotterdam for;
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    ReplyDelete
  43. Do not use all of these Private Money Lender here.They are located in Nigeria, Ghana Turkey, France and Israel.My name is Mrs.Ramirez Cecilia, I am from Philippines. Have you been looking for a loan?Do you need an urgent personal or business loan?contact Fast Legitimate Loan Approval he help me with a loan of $78.000 some days ago after been scammed of $19,000 from a woman claiming to be a loan lender from Nigeria but i thank God today that i got my loan worth $78.000.Feel free to contact the company for a genuine financial Email:urgentloan22@gmail.com

    ReplyDelete
  44. MOORE LOANS SAVE ME WHEN THERE WAS NO HOPE {mooreloancompany@yahoo.com}

    Hello everyone in this forum, I am Luis Root from USA, I cannot believe that God really exist not until i was Redeemed and saved from Financial bondage.. l was into financial crisis and needed to pay some bills. l tried seeking help from banks but all to no avail,l also tried seeking help from the internet only to meet scammers who pretended to be private lender and made away with my $15000 and did not get my loan, not until GOD introduce me to Moore Robbinson through a friend who was rescued from financial problem and a loan of $100,000.00 was granted to him by Moore Robbinson, so l took his advise and contacted Moore Loan Company and in the space of one week my loan of $200000 was granted to me.so my advise to everyone seeking for loan at low interest rate of 2% .l am doing this because l am so happy am out of financial bondage and am once again full of joy and life is easy all thanks to GOD and Moore Robbinson. You can contact Moore Loan Company via {mooreloancompany@yahoo.com} OR Text (414) 454-9493

    ReplyDelete
  45. MOORE LOANS SAVE ME WHEN THERE WAS NO HOPE {mooreloancompany@yahoo.com}

    Hello everyone in this forum, I am Luis Root from USA, I cannot believe that God really exist not until i was Redeemed and saved from Financial bondage.. l was into financial crisis and needed to pay some bills. l tried seeking help from banks but all to no avail,l also tried seeking help from the internet only to meet scammers who pretended to be private lender and made away with my $15000 and did not get my loan, not until GOD introduce me to Moore Robbinson through a friend who was rescued from financial problem and a loan of $100,000.00 was granted to him by Moore Robbinson, so l took his advise and contacted Moore Loan Company and in the space of one week my loan of $200000 was granted to me.so my advise to everyone seeking for loan at low interest rate of 2% .l am doing this because l am so happy am out of financial bondage and am once again full of joy and life is easy all thanks to GOD and Moore Robbinson. You can contact Moore Loan Company via {mooreloancompany@yahoo.com} OR Text (414) 454-9493

    ReplyDelete
  46. Do you need Finance?
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    ReplyDelete
  47. Good Day,

    Are you in any kind of  financial loan  problem? or do you need a quick loans to clear up your debit and get back to business At the interest rate of 2%. If yes do contact us through  our email below: exxonmobil191@outlook.com

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    Thank You.

    ReplyDelete
  48. Are you looking for a loan to clear off your dept and start up your
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    ReplyDelete
  49. Do you need a loan .We are Legitimate and guarantee loan lender. We are a company with financial assistance. We loan funds out to individuals in need of financial assistance, that have a bad credit or in need of money to pay bills, to invest on business. I want to use this medium to inform you that we render reliable beneficiary assistance as We'll be glad to offer you a loan. Please contact us directly on via woodgatecredit@outlook.com

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  50. WE HAVE PETROLEUM PRODUCT ON FOB AND CIF BASIS.

    We have Available Petroleum and petrochemical Products such as, D2, D6, Jp54 and JETA1 on FOB Rotterdam and CIF basis. from Russian Refinery, We can deliver good quality and quantity with competitive prices. We welcome serious and ready buyers. If you are interested kindly contact us { neftegazconsultant@yandex.ru } for SCO. Thanks

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    ReplyDelete
  51. Good Day Sir/Madam: Do you need an urgent loan to finance your business or in any purpose? We are certified and legitimate and international licensed loan lender we offer loans to Business firms. Individuals, companies firms, corporate bodies at an affordable interest rate of 3%. It might be a short or long term loan or even if you have poor credit. We shall process your loan as soon as we receive your application. We are an independent financial institution. We have built up an excellent reputation over the years in providing various types of loans to thousands of our customers. We offer Educational loan, Business loan, home loan, Agricultural loan, Personal loan, Auto loan with either a good or bad credit history. If you are interested in our above loan offer you are advice to fill the below information and return to us for more details. You can contact us with this email (standardonlineinvestment@gmail.com) we shall respond to you as soon as we receive your loan application details below.

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    ReplyDelete
  52. We Can supply Aviation Kerosene,Jet fuel (JP 54-A1,5), Diesel (Gas Oil) and Fuel Oil D2, D6,ETC in FOB/Rotterdam only, serious buyer should contact or if you have serious buyers my seller is ready to close this deal fast contact us below:now base email us (neftegazagent@yandex.ru)

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    Thank You

    ReplyDelete
  53. Private Lender Avit Investment Authority.
    Greetings to you by ADIA.
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    Looking forward hearing from you soonest.
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    Mrs Rose Williams
    (Personal Assistant)
    Avit Development Investment Authority(ADIA)
    501 Avenue Montaigne,75008 Paris-France
    Paris-France.Avit Development Investment Authority (ADIA)

    ReplyDelete

  54. Dear Customers,
    We invite you all to our new business and project funding program, We are currently funding for Business start-up, Project funding and Working capital etc.

    This funding program allows a client to enjoy 2% low interest rate and long payback period of 1 to 35 years. apply via email: infoservice787@gmail.com

    ReplyDelete
  55. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    ReplyDelete
  56. Good Day Sir/Madam: Do you need an urgent loan to finance your business or in any purpose? We are certified and legitimate and international licensed loan lender we offer loans to Business firms. Individuals, companies firms, corporate bodies at an affordable interest rate of 3%. It might be a short or long term loan or even if you have poor credit. We shall process your loan as soon as we receive your application. We are an independent financial institution. We have built up an excellent reputation over the years in providing various types of loans to thousands of our customers. We offer Educational loan, Business loan, home loan, Agricultural loan, Personal loan, Auto loan with either a good or bad credit history. If you are interested in our above loan offer you are advice to fill the below information and return to us for more details. You can contact us with this email (globalonlinefinance@gmail.com) we shall respond to you as soon as we receive your loan application details below.

    First name:
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    Regards,
    Mr Hameed Youssef

    ReplyDelete

Brunei Share : The legends surrounding of Bukit Tempayan Pisang

The legends surrounding Bukit Tempayan Pisang can be promoted to attract tourists. This suggestion was yesterday made by Minister of Hom...