Money haram

Matsakaicin halatta kudaden haram a duniya yana da yawa. A wasu alkaluma, kusan dala biliyan 800 zuwa dala tiriliyan 2 ake wawashewa a duniya a kowace shekara, wanda ya zama kashi 2% zuwa 5% na GDP na duniya.

Bankuna, musayar kuɗi, gidajen caca, hukumomin gidaje, musayar kuɗi ta hanyar cryptocurrency, har ma da lauyoyi na iya ba da damar halattar da haramcin kuɗi ko hawala ta hanyar rashin yin bincike mai kyau kan mu'amala da abokan ciniki da ake zargi, da kuma rashin sanin nau'ikan zamba daban-daban a cikin lissafin kuɗi waɗanda ke sauƙaƙe aikin.

Dabarun yau da kullun da ake amfani da su don satar kuɗi ko hawala sun haɗa da tsarin kasuwanci, amfani da gidajen caca da hada-hadar gidaje, ƙirƙirar harsashi da kamfanoni na gaba, smurfing, da cin zarafin sabbin hanyoyin biyan kuɗi kamar cryptocurrencies.

Lalata M oney ta ƙara zama mai sarkakiya, wanda ke buƙatar ƙwararren lauya don ya bi diddigin yanar gizo mai sarkakiya na dokokin hana halatta kudaden haram na UAE a Dubai. A AK Advocates, lauyoyinmu na musamman na laifukan kuɗi suna kawo shekaru da yawa na gogewa wajen magance shari'o'in halatta kudaden haram a faɗin Hadaddiyar Daular Larabawa.

Manufofin gama-gari na Tsare-tsaren Wayar da Kuɗi

Halartar kuɗaɗen yana shafar sassa daban-daban da daidaikun mutane a cikin UAE:

1. Cibiyoyin kudi da kuma bankuna ta hanyar tsararrun adibas da musayar waya
2. Masu haɓaka gidaje ta hanyar siyan kadarori ta hanyar amfani da kudaden haram
3. Canjin Cryptocurrency da dandamali na kadari na dijital
4. Ownersananan masu kasuwanci ta hanyar ayyukan kashe kudi
5. Mutane masu daraja ta hanyar hadaddun tsarin saka hannun jari

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Ƙididdiga na Yanzu da Abubuwan Tafiya

A cewar Sashen Leken Asiri na Kudi na Hadaddiyar Daular Larabawa (FIU), an samu karuwar kashi 51% na rahotannin ciniki da ake zargi a shekarar 2023, inda aka shigar da rahotanni sama da 9,000. Yunkurin hana halatta kudaden haram na Hadaddiyar Daular Larabawa ya haifar da kwace kudaden haram na Dalar Amurka biliyan 2.35 a cikin wannan lokacin.

Matsayin hukuma

Mai girma Khaled Mohammed Balama, Gwamnan Babban Bankin Hadaddiyar Daular Larabawa, ya ce: "Haɗaɗɗiyar Daular Larabawa ta nuna jajircewa wajen yaƙi da laifukan kuɗi ta hanyar tsauraran tsare-tsare da haɗin gwiwar ƙasashen duniya. Matakan da muka ɗauka na yin bincike sun ƙarfafa amincin tsarin kuɗinmu."

Tsarin Shari'a na UAE mai dacewa

Matsayin UAE game da halatta kudaden haram ana gudanar da shi ta wasu mahimman tanadin dokoki:

• Dokar Tarayya-Dokar Lamba 20 na 2018: Ma'anar laifukan halatta kudin haram da kuma kafa matakan kariya
• Mataki na 2 (Dokar Lamba 20): Yana lalata tuba ko canja wurin haramtattun kudaden haram
• Mataki na 14: Wajabcin bayar da rahoto m ma'amaloli
• Mataki na ashirin da biyu: Ya kafa hukunci laifukan kudi
• Dokar Tarayya No. 26 na 2021: Haɓaka matakan da suka dace tallafin kudin yan ta'adda

Dokokin AML na Dubai da aiwatar da su:

Dokokin Anti-Money Laundering na Dubai suna ƙarƙashin Dokar Tarayya ta UAE No. 20 na 2018 da gyare-gyaren da suka biyo baya, musamman Dokar Dokar Tarayya ta 26 na 2021. Waɗannan dokokin sun kafa wani tsari mai mahimmanci wanda ya dace da ka'idojin kasa da kasa da Ƙungiyar Ayyukan Kuɗi (FATF). Hukumar Kula da Ayyukan Kuɗi ta Dubai (DFSA) da Babban Bankin Hadaddiyar Daular Larabawa (CBUAE) suna aiki ne a matsayin masu mulki na farko, suna tabbatar da bin doka a duk cibiyoyin hada-hadar kuɗi, kasuwancin da ba na kuɗi ba, da sana'o'in da ke aiki a cikin Dubai da yankuna masu kyauta.

Tsarin AML na Dubai yana aiki ta hanyar tsari mai yawa don tabbatar da abokin ciniki da saka idanu akan ma'amala. Kasuwanci dole ne su aiwatar da ingantattun hanyoyin Sanin Abokin Cinikinku (KYC), waɗanda suka haɗa da tattara ID na Emirates ko bayanin fasfo, shaidar adireshi, da takaddun kamfani don abokan cinikin kamfanoni.

Ana buƙatar cibiyoyin kuɗi don amfani da tsarin sa ido na ci gaba waɗanda ke bin ma'amaloli a cikin ainihin lokaci, tare da bayar da rahoton wajibi na duk wani ciniki na tsabar kudi da ya wuce AED 55,000 ko makamancinsa a cikin wasu kudade. Tsarin yana ba da fifiko na musamman kan gano masu fa'ida da fahimtar tushen kuɗi don ma'amaloli masu ƙima.

Na musamman ga tsarin AML na Dubai shine mayar da hankali kan yankuna kyauta da sassan gidaje, waɗanda ake la'akari da wuraren da ke da haɗari don satar kuɗi. Sashen Landan na Dubai ya aiwatar da ƙayyadaddun ƙa'idodi waɗanda ke buƙatar wakilai na gidaje da masu haɓakawa don gudanar da ingantacciyar ƙwazo kan hada-hadar kadarori.

Bugu da ƙari, matsayin da Dubai take da shi a matsayin cibiyar kasuwancin duniya ya haifar da ɗorewar buƙatu don rigakafin hana safarar kuɗaɗen fatauci, gami da cikakkun bayanai game da mu'amalar shigo da kaya da kuma sa ido sosai kan ayyukan kamfanonin kasuwanci. Rashin bin waɗannan ƙa'idodin na iya haifar da tara tara mai yawa, daga AED 50,000 zuwa AED miliyan 5, da yuwuwar gurfanar da masu laifi.

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Hanyar Shari'a ta Hadaddiyar Daular Larabawa

Hadaddiyar Daular Larabawa (UAE) ta rungumi tsarin da ba ya jurewa haramcin halatta kudaden haram, inda ta aiwatar da cikakken tsari mai tushen hadari . Tsarin kula da harkokin kudi na kasar ya jaddada rigakafi ta hanyar tsauraran matakan da suka dace na bin diddigin kudaden haram da kuma hadin gwiwar kasa da kasa wajen bin diddigin kudaden haram.

Hukunci da Sakamako akan Money haram

Wadanda aka samu da laifi suna fuskantar hukunci mai tsanani:

• Zaman gidan yari tsakanin shekaru 5 zuwa 15
• Tarar har zuwa AED miliyan 5
• Kwace kudaden da aka samu da kayan aiki
• Damar rufe kasuwanci da soke lasisi
• Daskarewar kadari yayin bincike

Dabarun Tsaro Hanyoyi don Money haram Kisa

Tawagar tsaron mu na aikata laifuka tana amfani da dabaru daban-daban don kare abokan cinikinmu:

• Kalubalantar shaidun masu gabatar da kara na laifi laifi
• Kafa halaltattun hanyoyin samun kudade
• Nuna yarda da bukatun ka'idoji
• Tattaunawa da hukumomi don rage caji
• Aiwatarwa matakan gyarawa don hana cin zarafi na gaba

Tuntuɓe mu a +971506531334 ko +971558018669 don tattauna yadda zamu iya taimaka muku akan lamarin ku.

Labari na Nasara na Haƙiƙa: Al Najm Kasuwancin Kasuwanci

An canza suna don keɓantawa

Kamfaninmu ya yi nasarar kare Kamfanin Ciniki na Al Najm daga zarge-zargen halatta kudaden haram da suka shafi hada-hadar kudi ta dala miliyan 15. Masu gabatar da kara sun yi ikirarin cewa akwai wasu alamu da ake zargi a cikin aika kudi ta hanyar waya ta kasa da kasa, amma kungiyar lauyoyinmu:

1. An nuna cikakke takardun ciniki
2. Tabbatar da yarda da Dokokin AML
3. Kafa halaltacciyar alakar kasuwanci
4. Tabbatar da tushen kuɗi ta hanyar binciken masana

An yi watsi da shari'ar bayan mun tabbatar da duk ma'amaloli na halal ne na kasuwanci tare da takaddun da suka dace.

Cikakken Taimakon Shari'a A Duk faɗin Dubai

Lauyoyinmu na kare haƙƙin mallaka na haramun kuɗi suna yi wa abokan ciniki hidima a duk faɗin al'ummomi daban-daban na Dubai. Daga yankin kuɗi mai cike da jama'a na Business Bay zuwa ga Emirates Hills mai daraja, ƙungiyarmu ta taimaka wa abokan ciniki a Dubai Marina, Palm Jumeirah, Downtown Dubai, JLT, Sheikh Zayed Road, Deira, Dubai Hills, Bur Dubai, Mirdif, Dubai Creek Harbour, Al Barsha, Jumeirah, Dubai Silicon Oasis, City Walk, da JBR.

Wakilin Kwararru na Shari'a Lokacin da kuke Bukatar Shi

Akwai Taimakon Shari'a Mai Mahimmancin Lokaci

Idan ana fuskantar zarge-zargen laifukan kuɗi, ɗaukar mataki cikin gaggawa yana da matuƙar muhimmanci. Ƙwararrun ƙungiyarmu ta kare laifuka a shirye suke don kare haƙƙoƙinku da muradunku. Tare da cikakken ilimin ƙa'idodin kuɗi na Hadaddiyar Daular Larabawa da kuma nasarar da aka tabbatar a shari'o'i masu sarkakiya, muna ba da dabarun bayar da shawarwari da kuke buƙata.

Tuntuɓe mu a +971506531334 ko +971558018669 don tattauna yadda zamu iya taimaka muku akan lamarin ku.

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