Professional Documents
Culture Documents
Message from Dato Paduka Awang Haji Ali bin Apong Deputy Minister at Prime Ministers Office and Chairman of The Brunei Economic Development Board (BEDB) Acknowledgement Quotes Interview with Kenny Yap Kim Lee Executive Chairman & Managing Director, Qian Hu Corporation Limited, Singapore. Support Matrix Grant Schemes Youth Skills Development Programme (YSDP) Micro Grant Village Enterprise Financial Grant Enterprise Technical Assistance Scheme (ETAS) Grant Local Enterprise Application & Products (LEAP) Grant Brunei Research Incentive Scheme (BRISc) AITI Grant for Development of Local ICT & Digital Media Industries Training & Employment Scheme (SLP) Subsidy Schemes Standards & Quality Certification Programme Promotion & Marketing Services AITI ICT Competency Programme Loan Schemes Enterprise Expansion Programme (EEP) Financing Microcredit Financing Scheme (MFS) Enterprise Facilitation Scheme (EFS) Export Refinancing Scheme (ERS) Investment Fund Schemes Promising Local Enterprise Development Scheme (PLEDS) Investment Fund The Future Fund Accel-X Investment Fund Tax Incentives Intellectual Property Rights Protection Other BEDB Schemes Competency Building Programmes iCentre Incubation Programme SME Dialogue and Workshop Financial Management Programme 2
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Entrepreneurship Programmes Brunei Hackathon 46 Entrepreneurship@Campus 47 Junior Achievement (JA) Pilot Project 48 Creative Arts Facilities (CRAFT) 49 Establishing A Business 50 Acknowledgments 53 1
Message From:
Dato Paduka Awang Haji Ali Bin Apong
Deputy Minister at Prime Ministers Office and Chairman of The Brunei Economic Development Board (BEDB)
Entrepreneurship and Local Business Development are key drivers for the long term economic growth of Brunei Darussalam. Alhamdullilah, Brunei Darussalam has one of the highest quality of life and per capita income in Asia today; but in an increasingly competitive world, we cannot afford to be complacent. In this fast changing global environment, we need to invent and innovate so as to create new businesses as a source of wealth and job creation. Local businesses need to differentiate and adapt so as to seek out new opportunities locally and internationally to expand and grow. The Government of His Majesty the Sultan and Yang Di Pertuan of Brunei Darussalam has put in place several initiatives in the form of grants, loans, venture capital, tax incentives and business-friendly regulations such as Patent Act and Bankruptcy Act to enable new start-ups and to support existing local businesses. Through these initiatives, we expect local businesses to also play their part as responsible corporate citizens by employing locals and acquiring their own expertise and technologies in manufacturing or services. Entrepreneurs and local businesses must embrace the need for proper financial management credible book-keeping and financial accounts. Understanding and managing Profit and Loss and Cash Flows are crucial to ensure business sustainability and growth. Whether companies are registered as Sdn Bhd (or limited liability companies), we strongly encourage annual accounts to be audited by an external auditor to verify and ensure integrity in the financial reports. Even profitable companies can fail if cash flow are not managed properly. Local businesses are also expected to adopt and practice good corporate governance in order to succeed, especially in a regional or international arena. In Brunei Darussalam, where a large number of local companies are family-run, it is imperative for them to consider outside professional management so as to take their company to the next level. Kenny Yap, Executive Chairman & Managing Director of Qian Hu Corporation Ltd, Singapore, the only ornamental fish service provider listed on the Mainboard of the Singapore Stock Exchange (see interview on page 5) stressed the importance of House Rules which sets out the responsibility and accountability of those involved in the business. Internal processes and information must be transparent so as to ensure integrity and promote ethical behaviour for responsible decision-making. Good Corporate Governance is the cornerstone of any successful business. It is one of the key criteria that determine whether a company or business is bankable or investable. It is my hope to, Insya Allah, one day see a Brunei company grow into an international company listed on one of the stock exchanges. 2
Acknowledgement Quotes:
Dayang Hajah Normah Suria Hayati binti Pehin Jawatan Dalam Seri Maharaja Dato Seri Utama (Dr.) Haji Awang Mohd. Jamil Al-Sufri
Permanent Secretary, Ministry of Industry and Primary Resources
Developing SMEs continues to be an important development agenda in Brunei Darussalam as they have the potential to create employment and new sources of economic prosperity. To realize their potential, government and non-government organizations have formulated and implemented programs and projects aimed at enhancing business start-up, growth and competitiveness. This publication on Assistance Schemes for Business Start-ups and SMEs initiated by the Brunei Economic Development Board is a commendable effort that brings together all the financing schemes currently available to Brunei SMEs provided by all government bodies. It reflects our commitment to align SME development programs and services. I take this opportunity to re-iterate my Ministers call at the 2011 Brunei Business Forum which urges us to intensify efforts at formulating better SME policies, new innovative support programs and more efficient procedures. This is to realize our common aspirations of continued growth and increase in the number and quality of SMEs so as to penetrate the regional, international or global markets. And, by doing so, we can together advance 2010-2020 as the Decade to Spur SME Development in Brunei Darussalam .
Acknowledgement Quotes:
Dayang Hajah Ning-Lela bte Dato Paduka Haji Mohammad
This booklet is certainly a step in the right direction to educate and inform everyone not only SMEs of the financial opportunities available in setting up a business. Well done to the BEDB in making this effort of compiling their financial schemes which is certainly driving the message to support SMEs and at the same time making the environment more conducive for existing and new entrepreneurs. The journey forward for Brunei SMEs is both challenging and exciting. I am confident that with co-operation from all relevant agencies, the BEDB will uncover new and upcoming talents and innovative entrepreneurs whose ideas may not flourish without financial schemes such as this.
Chief Executive, Authority for Info-Communications Technology Industry of Brunei Darussalam (AITI)
AITI is very pleased to take part in the process of developing this guidebook which is one of the initiatives by BEDB to support SMEs access to financial assistance. We believe that SMEs are the engine for the future economic growth of Brunei Darussalam and increasingly becoming a vital source for social and economic stability. In AITI, we are always keen to grow and develop our SMEs within the ICT industry through various initiatives and programs including the provision of grant scheme in the form of financial assistance. We hope that you will find this guidebook useful and practical in your continuous endeavours to grow and enrich your businesses. We look forward to see this guidebook making a difference in your ability to access financial support in the near future.
Interview with:
Kenny Yap Kim Lee
Qian Hu Corporation Limited, Singapore, is the only integrated ornamental fish service provider listed on the Mainboard of the Singapore Exchange. Kenny was a guest speaker at the SME Signature Dialogue organized by BEDB in April 2011. Kenny shared his thoughts on building a successful business. On Brunei businesses going international Life in Brunei is comfortable. Nobody wants to (get) out of that comfort zone by being different. I dont think many of the enterprises can survive with the small domestic market in Brunei. One of the ways they can be successful is perhaps if they move out of their comfort zone, go to Singapore, go to Indonesia, go to Malaysia, I dont know, go somewhere else to (make) mistakes, to cry, to sweat, to bleed, and then come back to create a regional competitor. On managing a family business The right attitude about running a family business is they have to trust you. (There are) a few things that you can do to have the trust and bond them together. First you have to be very, very transparent about the things that you do. Put everything on the table and explain to them thoroughly, so that they can understand every sense and everything that you want to do, so that there is no, you know, skeletons in the closet kind of thing. The second thing is perhaps you might have to sacrifice yourself first, because if you think that you can contribute more, do more, but not ask for more in return. (For this reason) we have this kind of policy like everybody started with S$500. Although Im the only graduate among my generation, I received the same salary as them. Every family-run business will have its house rules. House rules are extremely important because without any principle, petition being set, nobody knows what to do, nobody knows which direction they want to go and nobody obeys certain sets of rules, so house rules are very important when you want to create or maintain some family-run business. So transparency, and sacrifice yourself first to try to take care of other peoples needs and then set some very clear house rules, I think those are some of the key attributes of running a family-run business initially. On engaging professionals in a family business When youve depleted the use of all the good people within the family members and you still want to grow the company that is the point that you have to change from a family-run to professionally run, because you have to hire outside professionals to come in and then you have to come up with clear company rules based on merit rather than relationships, and you want people who contribute towards that. So its a totally different remuneration, or policies that you have to set up when outside 5
professionals are involved. Its never about paying more; its about the values or the things that they contribute more to the company. Who says we underpay our family members? If we underpay ourselves then why do we want to do business? When you go to the management, you have to have the right concept of the management. When you deal with personal relationships or within your family members then you have to use more of the emotional side to manage (things). You have to balance the two, which is one of the things good professional management can bring, and at the same time taking care of more emotional aspects which is a critical aspect for running a family business. So there are two different aspects of things you have to balance. On creating differentiation If any business is to survive, to sustain, they must have certain kinds of differentiation. (Whether) its services, or products, if you cannot find the differentiation, I think most of the time, youll be competing on prices. Like my father always says, If you do business with poor people you will be forever poor . The poor people were talking about are those people who cannot pay the price so they always look for cheap things. And then you always produce cheap things to fulfill them, youll forever be (catering) to the poor. Differentiation actually gives you the price premium you know? To actually have a respectable profit margin. To sustain a business I always believe in three things: first - respectable profit margin, second - cash flow, third - efficiency and productivity. If you can have these three things mastered in managing a company, I think your company can sustain through your generation. * The interview with Kenny Yap was conducted by the Brunei Times and published in May 2011.
BEDB Schemes
Stages of Business
Start-Up
Growth
Internationalise
Size of Business
Micro Business
Established Companies
Basic Requirements
Brunei-owned registered company Local employment/local content Proper financial statement Strong management team Has value-adding products/services
Brunei-owned registered company Local employment/local content Proper financial statement Strong management team Products/services ready for export Has value-adding products/ services
Youth Skills Dev. Program (YSDP) Micro Grant Scheme (refer to page 10)
Grant Scheme
Enterprise Technical Assitance Scheme (ETAS) Grant Scheme (refer to page 12)
Local Enterprise Application Program (LEAP) Grant Scheme (For Innovation) (refer to page 13-14) Brunei Research Incentive Scheme (BRIsc) (refer to page 15)
Loan Scheme
Enterprise Expansion Program (EEP) Loan Scheme (refer to page 26) PLEDS COInvestment Fund (Refer to page 32) Accel-X Venture Capital Fund (ICT-related only) (Refer to page 34) iCentre Incubation Program (Refer to page 42) Creative Arts Facilities (Refer to page 49)
Other Schemes
Stages of Business
Start-Up
Growth
Internationalise
Size of Business
Micro Business
Established Companies
Grant Scheme
AITI Grant for Development of Local ICT & Digital Media Industries (refer to page 16)
AITI ICT Competency Program (refer to page 24) MIPR Micro-Credit Financing Scheme (MFS) (refer to page 27) The Future Fund (ICT-related only) (refer to page 33) MIPR Enterprise Facilitation Scheme (EFS) (refer to page 28) MIPR Export Refinancing Scheme (ERS) (refer to page 29)
Loan Scheme
JPKE Training and Employment Scheme (Skills Training, On the Job Training and Employment (Refer to page 18)
GRANT SCHEMES
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Grant Schemes
Maximum amount allocated per recipient: B$150,000 Features of Grant: Depending on area applied for by applicants. Eligible expenses: Manpower and training costs, Hardware, software, IP costs, Rental on 3rd party premises, Market research. Participants must undergo: Financial Management Workshop Intellectual Property Workshop Administered by: Brunei Economic Development Board (BEDB) How to apply: For more information or further enquiries, please contact: Brunei Economic Development Board Tel : +673-2230111 E-mail : leap.program@bedb.com.bn Website : www.bedb.com.bn
Without BEDBs assistance, my company would not be where it is now, with a promising future in a niche market that requires a tremendous amount of hard work and reasonable funding to take the vision into a reality. BEDB has continued to give the moral support and encouragement, and this has given me the confidence to enhance my business venture. Zainal Ibrahim, Manager of Batik Desamas, LEAP Recipient.
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Grant Schemes AITI Grant for Development of Local ICT & Digital Media Industries
Objective: A grant provided for development of Brunei-Made and local contents of ICT and Digital Media products. (Brunei-Made is defined as products and/or solutions and/or applications that are made, developed, created and/or assembled in Brunei by citizen(s) and/or permanent resident(s) of Brunei Darussalam) Four grant types are offered, namely; Development for developing prototypes or concept testing; Enhancement for improving and upgrading existing products; Ownership for obtaining certification and quality management systems; and Marketing for marketing and improving existing packaging, design or labeling. Eligibility: Business must be registered or incorporated in Brunei Darussalam for at least 6 months, Business must be at least 50% locally owned, Have at least 10% local IT skilled work force, Have sufficient current assets to pay existing debts/liabilities, Satisfy the Start-up/Paid-up capital requirements, Have not committed an act of bankruptcy/winding up proceedings within the last 2 years, Have a training program in place for knowledge transfer, Hold valid licenses required for their business operations, Principal business activities must be ICT related. Maximum amount allocated per company: B$250,000 (for a combination of more than one type of grant with maximum duration up to 24 months only). Administered by: Authority for Info-Communications Technology Industry of Brunei Darussalam (AITI). How to apply: For more information or further enquiries, please contact: Authority for Info-communications Technology Industry of Brunei Darussalam (AITI) (AITI) Darussalam Tel : +673-2323232 E-mail : farihah.said@aiti.gov.bn Website : www.aiti.gov.bn
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Grant Schemes
Eligible expenses: Type of Grant ICT Industry
proof of concept including research, design, development services and materials; prototype development including research, design, development testing services and materials; cost of process equipment development i.e. hardware and software; test and evaluation of product/process and user trial; and programmer, designer and consultancy fees. cost of machinery and equipment necessary for the businesses to improve their production capacity and also reduce cycle-time that will in turn increase the quality of the products hardware and software; and programmer, designer and consultancy fees. Trademarks; Service marks; Copyright; Patent; Industrial Design; Commercial names; and Intellectual Property Rights (IPR) in Brunei Darussalam and/or abroad. costs and services for designing, packaging, marking and labelling; marketing costs and materials (including marketing personnel); and purchase of related machinery and equipment.
Development
Enhancement
Ownership
Trademarks; Copyright; Patent; Commercial names; and Intellectual Property Rights (IPR) in Brunei Darussalam and/or abroad. costs and services for designing, packaging, marking and labelling; marketing costs and materials (including marketing personnel); and purchase of related machinery and equipment.
Marketing
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SUBSIDY SCHEMES
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How to apply: For more information or further enquiries, please contact: National Standards Centre Ministry of Industry and Primary Resources (MIPR) Tel : +673-4240069 E-mail : psk.mipr@industry.gov.bn / certification.section@gmail.com Website : www.bruneimipr.gov.bn
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Administered by: Ministry of Industry and Primary Resources (MIPR) How to apply: For more information or further enquiries, please contact: Promotion and Marketing Centre Ministry of Industry and Primary Resources (MIPR) Tel : +673-2382822 E-mail : pmc.mipr@industry.gov.bn Website : www.bruneimipr.gov.bn
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LOAN SCHEMES
Eligible expenses: Purchase or upgrade of machinery/equipments. Administered by: Brunei Economic Development Board (BEDB). How to apply: For more information or further enquiries, please contact: Brunei Economic Development Board Tel : +673-2230111 E-mail : micro.biz@bedb.com.bn Website : www.bedb.com.bn
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Eligible expenses: Working Capital, Capital Assets / Expenditures and Purchases for Machineries, Equipment and other Capital Assets excluding purchase of land Administered by: Ministry of Industry and Primary Resources (MIPR) For more information or further enquiries, please contact: Ministry of Industry and Primary Resources (MIPR) Tel : +673-2333964 E-mail : edc.mipr@industry.gov.bn Website : www.bruneimipr.gov.bn
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Eligible expenses: Working Capital, Capital Assets / Expenditures and Purchases for Machineries, Equipment and other Capital Assets excluding purchase of land Administered by: Ministry of Industry and Primary Resources (MIPR) How to apply: For more information or further enquiries, please contact: Ministry of Industry and Primary Resources (MIPR) Tel : +673-2333964 E-mail : edc.mipr@industry.gov.bn Website : www.bruneimipr.gov.bn
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Loan Schemes
Repayment: Pre-shipment ERS after receiving: Direct Exporter - Export Revenue - Collection after Indirect Exporter - Collection of Direct Exporter Post Shipment ERS after: Direct Exporter - Receipt of Export proceeds; or - The delivery bill is due (whichever is earlier) Eligible expenses: Pre-shipment ERS: Cost of Raw Materials Cost of Manufacturing and Packaging Storage Cost Transportation Cost Discharge Cost Post Shipment ERS: A continuous credit guarantee of one (1) month based on the total value of goods exported Administered by: Ministry of Industry and Primary Resources (MIPR) How to apply: For more information or further enquiries, please contact: Ministry of Industry and Primary Resources (MIPR) Tel : +673-2380026 E-mail : edc.mipr@industry.gov.bn Website : www.bruneimipr.gov.bn
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Investment Fund Schemes Promising Local Enterprise Development Scheme (PLEDS) Investment Fund
Objective: An investment fund that will invest in and transform promising local enterprises so that they can compete internationally either through increased exports or overseas expansion. Eligibility: The company is registered in Brunei as Sendirian Berhad, The company is in active operation for minimally 5 years, The company has progressive growth based on annual revenue in last 3 years, Readily available products and services. Administered by: Brunei Economic Development Board (BEDB). How to apply: For more information or further enquiries, please contact: Brunei Economic Development Board Tel : +673-2230111 E-mail : int.pleds@bedb.com.bn Website : www.bedb.com.bn
The initiative would demonstrate to the outside world that Bruneis products are as competitive as from other countries. Whether its oil and gas support, industrial hardware, food processing, ICT or logistics etc, the companies in Brunei are every bit as good as those within the region. In fact, in some cases were significantly better. This initiative is another step in getting Megamas introduced to the larger international markets . Mr Roger Ainsworth, Megamas Training Company Sdn Bhd, one of the first companies enrolled in PLEDS.
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TAX INCENTIVES
2. Allowable Deductions
Staff Related Benefits Double deductions are allowed for contributions paid to the approved funds Tabung Amanah Pekerja (Employee Trust Fund) and Supplementary Contribution Fund. Double deductions are allowed for up to 15 weeks of salary payment relating to maternity leave of female employees who are members of Tabung Amanah Pekerja (Employee Trust Fund). Accelerated Capital Allowance Industrial Buildings (including hotel buildings) With effect from 1 January 2008, in order to promote investment into the manufacturing sector, the initial allowance is given for the capital expenditure incurred in the year of assessment has been increased to 20% and the annual allowance to 4% of the qualifying expenditure provided on a straight line basis until the total expenditure is written off. Any such building, which is in operation prior to 1 January 2008, shall only be eligible to claim annual allowance at the rate of 4% per annum. Claims for initial allowance will only be available to the capital expenditure incurred for building or structures completed on and after 1 January 2008. 36
Tax Incentives
Machinery and Plant As of 1 January 2009, the initial allowance is given for the capital expenditure incurred in the year of assessment has been increased to 40%. The annual allowances are calculated on the reducing value of the assets in accordance with the rates prescribed by the Collector of Income Tax (range from 3% to 25% depending on the nature of the asset). An annual allowance of 33.5% in lieu of the above is given for a period of 3 years in respect of capital expenditure incurred. For machinery or plant not exceeding B$2,000, the company could elect for an allowance of 100% in respect of that capital expenditure. As for computer or other prescribed automation equipment, the company could also elect for an allowance of 100% in respect of capital expenditure incurred. The aggregate amount of such allowance claimed by the company shall not exceed B$30,000 in any year of assessment. 3. Tax Credit Balancing, Modernisation and Replacement of Machinery or Plant For the purposes of balancing, modernisation or replacement of the machinery or plant, new machinery or plant installed at any time between 1 January 2012 and 31 December 2017 , credit at the rate of 15% of the amount so invested shall be allowed against the tax payable. The tax credit arising from the above can be carried forward not exceeding 2 years of assessment. Staff Related Benefits An employer who makes a contribution to the Tabung Amanah Pekerja (Employee Trust Fund), tax credit at the rate of 10% of the additional contribution so made (in excess of contribution made for the last year) shall be allowed against the tax payable in addition to the allowable deductions. For new local employees who are citizens or permanent residents of Brunei and are being paid a salary of up to B$3,000 per month, tax credit at the rate of 50% of the salary paid by employer shall be allowed against the tax payable. The above only applies to a maximum period of 36 months of employment of each new employee. 37
Tax Incentives
For local employees who are attending training either locally or abroad and are being paid a salary of up to $2,000 when attending the training, tax credit at the rate of 100% of the salary paid by employer shall be allowed against the tax payable. The total amount of tax credits shall not exceed 50% of the total tax payable in any one year of assessment.
For Information or further enquiries, Please contact: Revenue Division Ministry of Finance Level 1, Island Block Ministry of Finance Building Commonwealth Drive Brunei Darussalam BB3910 Tel: +673-2383933 Fax: +673-2383932 Email: revenue@mof.gov.bn Website: http://www.mof.gov.bn
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In an increasingly knowledge-driven economy, IP is a key consideration in day-to-day business decisions. New products, brands and creative designs appear almost daily on the market and are the result of continuous human innovation and creativity. In Brunei Darussalam, SMEs represent over 90 percent of enterprises, and is a key engine of our economic growth. They are the driving force behind a large number of innovations and Contribute to the growth of the national economy through wealth and employment creation, investments and exports. Without doubt, in todays competitive and inter-connected world, SMEs need to focus on not just financials and cash flow, corporate governance and transparency, but also on Intellectual Property (IP) creation and protection. All too often, SMEs and start-up entrepreneurs fail to recognize the importance of, and leverage on the benefits of IP . If left unprotected, a good invention or creation may be lost to larger competitors that are in a better position to commercialise the product or service at a more affordable price, leaving the original inventor or creator without any financial benefit or reward. Adequate protection of a companys IP is a crucial step in deterring potential infringement and in turning ideas into business assets with a real market value. Taking full advantage of the IP system enables companies to profit from their innovative capacity and creativity, which encourages and helps fund further innovation. In order for SMEs to exploit their IPR, they have to be able to identify them in the first place. There are governing legislation on IP in Brunei Darussalam which provides for the legal mechanism for the protection of IPR as follows: Trade Marks Act (Cap 98) Trade Marks Rules, 2000 Copyright Order, 1999 Industrial Designs Order, 1999 Industrial Designs Rules, 2000 Layout Designs Order, 1999
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In addition, Brunei Darussalam is also a State party to the following: WTOs Agreement on Trade Related Aspects of Intellectual Property Rights (TRIPS) Berne Convention for the Protection of Literary and Artistic Works Paris Convention for the Protection of Industrial Property Patent Cooperation Treaty Budapest Treaty for the International Recognition of the Deposit of Microorganisms for the Purposes of Patent Procedure For general advice and information on how to register your IPR, please contact: Patents and Industrial Designs Patent Registry Office (PRO) Brunei Economic Development Board Knowledge Hub, Block B26 Simpang 32-37 , Anggerek Desa Bandar Seri Begawan BB3713 Negara Brunei Darussalam Tel: +673-2380965/6 Fax: +673-2380545 Email: enquiries@brunei-patents.com.bn Website: www.brunei-patents.com.bn Trademarks and Copyright Intellectual Property Division Attorney Generals Chambers 1st Floor, The Law & Courts Building KM1 Jalan Tutong Bandar Seri Begawan BA1910 Brunei Darussalam Tel: +673-2231200 Fax: +673-2231230 Email: info@agc.gov.bn Website: www.agc.gov.bn
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IMMerse A new initiative that aims to grow a vibrant multimedia community through series of workshops and competitions. Past competitions: 2-D Character Design Challenge, Photo Challenge, Graphic Challenge, Scriptwriting & storyboarding Challenge. Upcoming competitions: Short Film Challenge, Animation Challenge and Web/ Mobile Challenge. Administered by: Brunei Economic Development Board (BEDB) How to apply: For more information or further enquiries, please contact: Brunei Economic Development Board Tel : +673-2230111 Website : www.bedb.com.bn iCentre Tel: +673-2382616 Website : www.icentre.biz
As an incubatee, the iCentre has been key in helping us develop our business into something both innovative and viable in the international market. The support, mentorship and environment is invaluable to a startup company like ours Keeran Janin, Mesixty, iCentre Incubatee, 2012.
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Acknowledgements
The BEDB wish to thank the following government ministries and agencies for their kind contribution and relentless effort in ensuring the factual information herein are accurate and reflect those incentives they represent: Ministry of Finance Ministry of Industry & Primary Resources Jabatan Perancangan dan Kemajuan Ekonomi (JPKE) Authority for Info-Communications Technology Industry of Brunei Darussalam (AITI)
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Notes
Notes