In this collaborative research, Professor Dr. Abul Hasan M. Sadeq examines the Micro and Medium Enterprise (MME) sector in Brunei Darussalam. The paper specifically investigates the risks of "Dutch Disease"—a phenomenon common in small, natural-resource-rich economies where an abundance of wealth can lead to the neglect of other productive sectors.

Core Research Pillars:

• Islamic Approach to Diversification: The authors propose leveraging Islamic banking and business management principles to foster growth in the MME sector, reducing economic dependence on natural resources.
• Synergy of Actors: The study examines the tripartite interaction between the Government (policy), relevant Institutions (finance), and individual Business People (entrepreneurship) and how their collaboration is vital for sectoral success.
• Islamic Inclusive Financial Institute: A key contribution of the paper is the proposal for a specialized financial institute designed to be inclusive, value-driven, and organized specifically to meet the unique needs of Brunei's MMEs.

Professor Sadeq concludes that by applying the concept of Solidarity and Islamic ethics, resource-rich nations can effectively build resilient, diversified economies that prioritize human development and sustainable business growth.

Core Concepts: MME Development, Dutch Disease, Brunei Economy, Islamic Inclusive Finance, Economic Solidarity, Institutional Synergy, AUB.