I know it's been a long while of me updating this blog. Sometimes I wish there are more than 24 hours in a day. I can tell you my life has never been busier..(Can I do another PhD?!). Busy at work and equally busy at home. A boss at work, an amah at home hehe. That's life!
Actually there is so much in my head that I'd love to write about. Maybe one of these days.
For now, I just want to wish all Muslim readers, Happy Fasting..let's embrace the last 10 nights of Ramadhan..and at the same time Selamat Menyambut Hari Raya..
A reminder to myself and readers, Spend wisely! Buy Needs, avoid Wants! In the words of one very distinguished religious Pehin, "Tidak Kedekut, Tidak Membazir" (Not miserly nor wasteful).
Salaam
Tuesday, 8 September 2009
Thursday, 23 April 2009
Dewasa Bernegara Part 1
I’ve been back for more than 4 months but I still cannot accept how Bruneians, especially parents, actually live. They don’t seem to value their lives and their children’s. I’m referring to the use of safety belts in the cars of course. Everyday, everywhere I see children jumping up and down in the passenger seats. What is worse, I always see parents who actually drive with a child on his/her lap. Once, I actually saw a car swerved in the middle of a road and when I looked at the driver, it was a man holding a crying BABY!
It looks like the law on child-seat and safety belts fall on deaf ears.
Some people blame it on the implementation of the regulations. They say the police are not doing anything about it so why should we. I say: when accidents happen, those policemen won’t lose their lives but you and your children will.
Some people say the child-seat is expensive. I say: more expensive than the lives of your children?
Some other people say their children refuse to sit in the child-seat and/or wear safety-belts. Since they don’t want to upset their children then let them do as they wish. I say: You don’t love your children!
I’m ashamed and saddened by the way we Bruneians see and live life. After 25 years of independence, do we deserve to be called ‘Dewasa Bernegara’ when we do not even want to be responsible for our own lives and that of our children? When we still need other people to look after our lives? When we still embrace the old-skool mentality of law-breakers as opposed to law-abiders?
Oh dear.
Salaam.
It looks like the law on child-seat and safety belts fall on deaf ears.
Some people blame it on the implementation of the regulations. They say the police are not doing anything about it so why should we. I say: when accidents happen, those policemen won’t lose their lives but you and your children will.
Some people say the child-seat is expensive. I say: more expensive than the lives of your children?
Some other people say their children refuse to sit in the child-seat and/or wear safety-belts. Since they don’t want to upset their children then let them do as they wish. I say: You don’t love your children!
I’m ashamed and saddened by the way we Bruneians see and live life. After 25 years of independence, do we deserve to be called ‘Dewasa Bernegara’ when we do not even want to be responsible for our own lives and that of our children? When we still need other people to look after our lives? When we still embrace the old-skool mentality of law-breakers as opposed to law-abiders?
Oh dear.
Salaam.
Monday, 13 April 2009
Islamic Banking in Brunei
This morning on the way to our children’s school we listened to ‘Pedoman’ (Nur Islam Channel) and the topic discussed was Islamic Banking. The good Ustaz was explaining the virtue of the system and so on and so forth, which reminded me of my fourth year Islamic Economics course that I took ages ago.
Although I can’t recall 95 percent of what I had learnt during my early twenty’s, the one thing that I still remember is that the system is based on ‘profit and loss sharing’ and the prohibition of ‘riba’ (interest).
Now, a few days ago, I bought a car and took a car loan from one of Brunei’s Islamic finance institutions. I am no expert in Islamic banking so I asked the loan officer to explain to me the difference between the car loan offered by them and those offered by the conventional banks. Well, his answer was simply we’re Islamic! Well, that didn’t answer my question, I pointed out to him that the monthly payment for the loan was exactly the same as the monthly payment that I would need to pay if I were to use a conventional bank. It was only a matter of preference!
I did not want to press the poor guy partly for the fear of rejection of my loan application and partly I knew it was not his fault in the first place. I actually asked the same question to a number of that particular bank’s staff whenever I visited it and I always got the same answer. It makes me wonder whether the bank has ever given its staff a training course on Islamic banking. I feel sorry if it hasn’t and I think it should.
Anyway, somebody please explain to me how Islam are the Islamic banks in Brunei? Frankly, I don’t see the difference between them and any of the conventional banks, in terms of their operation. They may not be involved in the financing of any of the unislamic activities such as gambling, entertainment etc. but I think in terms of profit and loss sharing- which is the basis of the system, they only share the former but never the latter, which to me makes them no better than any conventional bank.
So, please prove me wrong.
Salaam.
Although I can’t recall 95 percent of what I had learnt during my early twenty’s, the one thing that I still remember is that the system is based on ‘profit and loss sharing’ and the prohibition of ‘riba’ (interest).
Now, a few days ago, I bought a car and took a car loan from one of Brunei’s Islamic finance institutions. I am no expert in Islamic banking so I asked the loan officer to explain to me the difference between the car loan offered by them and those offered by the conventional banks. Well, his answer was simply we’re Islamic! Well, that didn’t answer my question, I pointed out to him that the monthly payment for the loan was exactly the same as the monthly payment that I would need to pay if I were to use a conventional bank. It was only a matter of preference!
I did not want to press the poor guy partly for the fear of rejection of my loan application and partly I knew it was not his fault in the first place. I actually asked the same question to a number of that particular bank’s staff whenever I visited it and I always got the same answer. It makes me wonder whether the bank has ever given its staff a training course on Islamic banking. I feel sorry if it hasn’t and I think it should.
Anyway, somebody please explain to me how Islam are the Islamic banks in Brunei? Frankly, I don’t see the difference between them and any of the conventional banks, in terms of their operation. They may not be involved in the financing of any of the unislamic activities such as gambling, entertainment etc. but I think in terms of profit and loss sharing- which is the basis of the system, they only share the former but never the latter, which to me makes them no better than any conventional bank.
So, please prove me wrong.
Salaam.
Monday, 6 April 2009
Still Alive
Finally, the broadband is now up and running. Thanks for still dropping by. Will write soon (although the choice of topic is now quite limited).
Salaam.
Salaam.
Tuesday, 23 December 2008
Friday, 19 December 2008
Bruneians and their toys
As I said never say never again, I cannot resist in making some comments regarding the more stringent enforcement of down-payment for car purchases. Firstly, I say it’s about time! This should have been enforced many years ago. Secondly, before many of you hurl all sorts of negative remarks toward the ministry and its directive, I urge you to think twice. Believe you me, this policy is not about making the rich gets richer or the poor gets poorer (i.e. the argument that poor-people-now-can –no-longer-afford-to-buy-cars or make it ‘expensive cars’), in fact it is the opposite.
The previous lax in the enforcement has made many Bruneians spent what they could not afford. This is what we called ‘wealth illusion’. We think we are ‘wealthier’ because we can afford to buy new and big cars, without even batting an eyelash. When in actual fact, we have actually trapped ourselves into ‘debt-slavery’. Don’t many of you feel that the more you earn, the less you actually take home? I’m not going to talk about how the US started (and now many parts of the world) its recession, but in one line, it is really due to this slavery.
Anyway, it should also bring good news to consumers. I am predicting (well hoping actually) that this policy will have an impact on the price of cars in Brunei. [To economics students, don’t read the next paragraph, think about it for a moment :)]
The policy will reduce the demand for cars. If the car-dealers are behaving ‘normally’, they will have to knock down the prices of cars (hurray for me! as we need to buy one) at the expense of their profit margin and perhaps the commission of our friendly car-salespersons. Either that or the interest rates will be knocked down.
So, there. That’s what I think and ought to happen. I’d be quite surprised if it doesn’t. I don’t think the demand will be unchanged since there are already too many cars waiting (at home) to be driven by too few people in Brunei.
Next, credit cards please!
Salaam.
The previous lax in the enforcement has made many Bruneians spent what they could not afford. This is what we called ‘wealth illusion’. We think we are ‘wealthier’ because we can afford to buy new and big cars, without even batting an eyelash. When in actual fact, we have actually trapped ourselves into ‘debt-slavery’. Don’t many of you feel that the more you earn, the less you actually take home? I’m not going to talk about how the US started (and now many parts of the world) its recession, but in one line, it is really due to this slavery.
Anyway, it should also bring good news to consumers. I am predicting (well hoping actually) that this policy will have an impact on the price of cars in Brunei. [To economics students, don’t read the next paragraph, think about it for a moment :)]
The policy will reduce the demand for cars. If the car-dealers are behaving ‘normally’, they will have to knock down the prices of cars (hurray for me! as we need to buy one) at the expense of their profit margin and perhaps the commission of our friendly car-salespersons. Either that or the interest rates will be knocked down.
So, there. That’s what I think and ought to happen. I’d be quite surprised if it doesn’t. I don’t think the demand will be unchanged since there are already too many cars waiting (at home) to be driven by too few people in Brunei.
Next, credit cards please!
Salaam.
Thursday, 18 December 2008
DONE
After having a 50-minute viva, I'm done! Yeayyy! Well I still have some corrections to do but Ya, I'm in Cloud 9..
Thank You to my darling husband and my beautiful daughters for their support and understanding in the last 4 years. Mama's coming home soon...!
Thank You to everyone who's been reading my ramblings for the past 2 years or so. Well, now that I'm about to go home and work (back to reality), there is a BIG possibility that I won't have the time to write as frequent as I want. Plus, I probably cannot write as freely as I want (in terms of topic)..so never say never, but there'll be less of me.
It really has been a pleasure...
Salaam
Thank You to my darling husband and my beautiful daughters for their support and understanding in the last 4 years. Mama's coming home soon...!
Thank You to everyone who's been reading my ramblings for the past 2 years or so. Well, now that I'm about to go home and work (back to reality), there is a BIG possibility that I won't have the time to write as frequent as I want. Plus, I probably cannot write as freely as I want (in terms of topic)..so never say never, but there'll be less of me.
It really has been a pleasure...
Salaam
Monday, 17 November 2008
Melayu Mudah Lupa
Our Malaysian friends held a farewell dinner for us last night. After the delicious beriyani and rendang, as usual we talked and discussed about the current issues. Last night’s discussion was interesting as it revolved around the ‘malay dilemma’ topic. At the moment, as you and I know, the racial tension in Malaysia is quite pronounced.
There were two camps last night. One opinion was that it is the malays’ right to be given the privileges given the fact that it is the malay land and therefore, the non-malays should not have any right to demand what is not rightfully theirs. And the success of the non-malays is seen as the result of some ‘conspiracy’ against the malays which include the policies that seem to be in favour of the non-malays or rather disfavour the malays.
Another opinion however believes that it is actually the malays themselves who are not utilising the privileges and opportunities that are given to them to their great advantage. The fact is ‘Melayu Mudah Lupa’ (Malay Forget Easily – the title of Mahathir’s book). We forget why we are given those privileges. Believing that they are our rights, we don’t value them anymore. As a result, we don’t work as hard as the non-malays (who have to survive) and the non-malays have emerged to be more successful, cleverer and wealthier.
And for this reason, we believe that there should exist a healthy competitive environment for the malays to prove that they are as good as or in fact better than the non-malays.
In Brunei, Alhamdulillah, we still live harmoniously together. Partly I believe is due to our small population and partly due to our ideology of ‘Melayu Islam Beraja’ (Malay, Islamic, Monarchy). As a result, the competition between the malay and the non-malay in Brunei is less severe or almost non-existent. This however does not mean that the Brunei malay is immune from the symptom of forgetfulness. In fact, we even take many things for granted. Take the ‘Ali Baba’ syndrome in the business sector for example. We want to be rich easily and quickly. Instead of genuinely running a business, we sell or rent out our permits and licenses to foreigners. As a result, the number of Brunei malays who have become true entrepreneurs that we can be proud is less than the ten fingers in our hands as compared to the number of business establishments (especially ‘kedai runcit’, barbershops and tailor shops).
Another example relates to the work attitude of the Brunei malays. The five-tea-break-a-day routine becomes the culture in the government sector. The attitude of ‘karang tah’ has lost the government millions of dollars in terms of productivity and even revenue-generation. As a result, the government sector, which is the first employment choice of any Brunei malay, is slow, inefficient and backward so much so that it can take weeks to send a letter within one tiny district, and months for the results of a few applications. (Come on! What is our population again?)
I totally concur with Dr. Mahathir who said “it is not race or ethnicity but the culture which determines the performance (of the people)”. So, to succeed we must change our culture. It is difficult, of course. To hope that we Bruneians will realize and change ourselves is probably a big wishful thinking.
Therefore, we have to create an environment that can change our perception of our rights of being Brunei malays, our perception of running a business and our perception of work – ‘work to live’ versus ‘live to work’ for our family and our country. We must look towards work as the true reward and take pride in our work, for without pride there may not be progress. This kind of environment may involve monetary reward but the reward should not outweigh the satisfaction of the achievement being made.
We have been blessed with oil and gas. We forget that this will not last forever. While the current generation probably cannot change, the next generation needs to change. We have to ensure that the next generation understands their purpose in life (which sadly is not understood by the current one). It is not an easy task but it has to be done.
Salaam.
There were two camps last night. One opinion was that it is the malays’ right to be given the privileges given the fact that it is the malay land and therefore, the non-malays should not have any right to demand what is not rightfully theirs. And the success of the non-malays is seen as the result of some ‘conspiracy’ against the malays which include the policies that seem to be in favour of the non-malays or rather disfavour the malays.
Another opinion however believes that it is actually the malays themselves who are not utilising the privileges and opportunities that are given to them to their great advantage. The fact is ‘Melayu Mudah Lupa’ (Malay Forget Easily – the title of Mahathir’s book). We forget why we are given those privileges. Believing that they are our rights, we don’t value them anymore. As a result, we don’t work as hard as the non-malays (who have to survive) and the non-malays have emerged to be more successful, cleverer and wealthier.
And for this reason, we believe that there should exist a healthy competitive environment for the malays to prove that they are as good as or in fact better than the non-malays.
In Brunei, Alhamdulillah, we still live harmoniously together. Partly I believe is due to our small population and partly due to our ideology of ‘Melayu Islam Beraja’ (Malay, Islamic, Monarchy). As a result, the competition between the malay and the non-malay in Brunei is less severe or almost non-existent. This however does not mean that the Brunei malay is immune from the symptom of forgetfulness. In fact, we even take many things for granted. Take the ‘Ali Baba’ syndrome in the business sector for example. We want to be rich easily and quickly. Instead of genuinely running a business, we sell or rent out our permits and licenses to foreigners. As a result, the number of Brunei malays who have become true entrepreneurs that we can be proud is less than the ten fingers in our hands as compared to the number of business establishments (especially ‘kedai runcit’, barbershops and tailor shops).
Another example relates to the work attitude of the Brunei malays. The five-tea-break-a-day routine becomes the culture in the government sector. The attitude of ‘karang tah’ has lost the government millions of dollars in terms of productivity and even revenue-generation. As a result, the government sector, which is the first employment choice of any Brunei malay, is slow, inefficient and backward so much so that it can take weeks to send a letter within one tiny district, and months for the results of a few applications. (Come on! What is our population again?)
I totally concur with Dr. Mahathir who said “it is not race or ethnicity but the culture which determines the performance (of the people)”. So, to succeed we must change our culture. It is difficult, of course. To hope that we Bruneians will realize and change ourselves is probably a big wishful thinking.
Therefore, we have to create an environment that can change our perception of our rights of being Brunei malays, our perception of running a business and our perception of work – ‘work to live’ versus ‘live to work’ for our family and our country. We must look towards work as the true reward and take pride in our work, for without pride there may not be progress. This kind of environment may involve monetary reward but the reward should not outweigh the satisfaction of the achievement being made.
We have been blessed with oil and gas. We forget that this will not last forever. While the current generation probably cannot change, the next generation needs to change. We have to ensure that the next generation understands their purpose in life (which sadly is not understood by the current one). It is not an easy task but it has to be done.
Salaam.
Wednesday, 12 November 2008
Snail Mail
Can somebody from the Postal Department explain exactly the process of receiving/sending mails/parcels in Brunei, please?
Until today I still do not understand how it can take almost 3 weeks for a letter from the UK to be delivered to someone in Brunei. This happened many times to us. For example, about 3 weeks ago, we sent a letter to Brunei. It was an important document but not too important for us to fork 45GBP to send it through DHL. So, we sent using an express UK mail service. With a given tracking code, we could track the letter through the internet. It was express alright, the letter reached Brunei in 2 days time. Unfortunately, the tracking system only applied in the UK so its whereabouts in Brunei, God knew! Thinking that it should arrive in safe hands within a few days, we were happy.
We were wrong. 2 days ago, the intended recipient asked where the letter was. We were gobsmacked! Finally, today we were told the letter has now finally arrived. It took exactly 18 days: 1 day in UK, 1 day travel, 16 days in Brunei.
Really, the term ‘snail mail’ literally applies to Brunei mail. What happened?
I don’t know about anyone else but a good, reliable postal service is crucial in providing a healthy and conducive business environment. Millions of e-bay UK sellers, for example, depend on the reliability of the UK postal service to deliver the goods in timely manner. Sending anything ‘First Class’ will usually mean next-day delivery wherever you are in the UK (the first time I experienced this, it knocked my socks off! haha). And you can claim for compensation if item is lost or damaged by the Post Office. So if the e-bay VP who is now in Brunei knows about the postal service in Brunei, I’m sure he will devote half his talk about the importance of a reliable delivery system.
Anyway, this is one service that can and should be corporatized (Read: the salary of all employees will depend on their ability to send letters/parcels quickly) so hopefully it can become efficient. I hear it’s in the pipeline. So, a big GOOD LUCK wish from me!
Salaam.
Until today I still do not understand how it can take almost 3 weeks for a letter from the UK to be delivered to someone in Brunei. This happened many times to us. For example, about 3 weeks ago, we sent a letter to Brunei. It was an important document but not too important for us to fork 45GBP to send it through DHL. So, we sent using an express UK mail service. With a given tracking code, we could track the letter through the internet. It was express alright, the letter reached Brunei in 2 days time. Unfortunately, the tracking system only applied in the UK so its whereabouts in Brunei, God knew! Thinking that it should arrive in safe hands within a few days, we were happy.
We were wrong. 2 days ago, the intended recipient asked where the letter was. We were gobsmacked! Finally, today we were told the letter has now finally arrived. It took exactly 18 days: 1 day in UK, 1 day travel, 16 days in Brunei.
Really, the term ‘snail mail’ literally applies to Brunei mail. What happened?
I don’t know about anyone else but a good, reliable postal service is crucial in providing a healthy and conducive business environment. Millions of e-bay UK sellers, for example, depend on the reliability of the UK postal service to deliver the goods in timely manner. Sending anything ‘First Class’ will usually mean next-day delivery wherever you are in the UK (the first time I experienced this, it knocked my socks off! haha). And you can claim for compensation if item is lost or damaged by the Post Office. So if the e-bay VP who is now in Brunei knows about the postal service in Brunei, I’m sure he will devote half his talk about the importance of a reliable delivery system.
Anyway, this is one service that can and should be corporatized (Read: the salary of all employees will depend on their ability to send letters/parcels quickly) so hopefully it can become efficient. I hear it’s in the pipeline. So, a big GOOD LUCK wish from me!
Salaam.
Not Likely to Change
Apparently our local youths still think that it is their given birth right to work in the government sector (here for full news). Oh perhaps, their life is still full of roses that having no job is better than having a low-paying job in the private sector.
To solve this dilemma, here’s a thought. Considering the government sector is already saturated (or so as I was told) i.e. it can no longer employ the whole 6000 job-seekers (and it shouldn’t be!), there should be some mechanism in place that should stop the idea that everyone can get a government job. And at the same time, make people value their private sector job or at least stick to their private sector job until their contract ends (with good behaviour). So I say, increase the level of qualification requirement and make ‘private sector employment’ a pre-requisite to the ‘popular’ public sector job.
Now, with regard to the ‘elaun sara hidup’, I think it’s either we scrap it off OR give to ALL Bruneians, fair and square (after all everyone is doing their bits to develop the country, regardless of the sector, no?)
Salaam.
To solve this dilemma, here’s a thought. Considering the government sector is already saturated (or so as I was told) i.e. it can no longer employ the whole 6000 job-seekers (and it shouldn’t be!), there should be some mechanism in place that should stop the idea that everyone can get a government job. And at the same time, make people value their private sector job or at least stick to their private sector job until their contract ends (with good behaviour). So I say, increase the level of qualification requirement and make ‘private sector employment’ a pre-requisite to the ‘popular’ public sector job.
Now, with regard to the ‘elaun sara hidup’, I think it’s either we scrap it off OR give to ALL Bruneians, fair and square (after all everyone is doing their bits to develop the country, regardless of the sector, no?)
Salaam.
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