Yakawanda Inowanzo Bvunzwa Mibvunzo Nezve Mari Kubiridzira kana Hawala muUAE: Ndichasangana nePenal Action?

Kubiridzira Mari kana Hawala muUAE

Kubiridzira mari kana Hawala muUAE ndiro izwi rakajairika rinoshandiswa kutaura nezvekuti vatadzi vanovanza sei sosi yemari. Kubata kwemari inowanikwa yezviito zvematsotsi kunovanzwa nekuita kuti purofiti yakadaro iite kunge inotorwa kubva kunzvimbo yakanaka. Maitiro ekuti midziyo inotorwa nematsotsi ingagezeswa yakafara.

Hunhu hwezvigadzirwa nemasevhisi anopihwa nebazi rezvemari (kunyanya, kubata, kudzora, uye kuva nemari uye midziyo yevamwe) zvinoreva kuti indasitiri inoonekwa nekushungurudzwa nevanoba mari. Mari dzekubvisa mari dzine zvinhu zvakafanana pasi rese. Iwe unowana zviviri zvakakosha zvezvinhu zvekubvisa mari zvisirizvo:

  1. Iyo yekumanikidza chiito chekutambisa mari pachayo, kureva, kuwanikwa kwemabasa emari; uye
  2. Icho chinhanho chakakosha cheruzivo kana intuition (kungave kuzviisa pasi kana chinangwa) zvine chekuita nekupihwa kwemari kana zviito zvemutengi.

Kuitwa kwekuwacha kana hawala kunoitwa mumamiriro ezvinhu awakange uchiita gadziriro (kureva, nekupa sevhisi kana kutengesa). Urongwa ihwohwo hunoda mari inowanikwa muutsotsi.

Mitemo inokodzera inodzora uye kuranga kubiridzira mari muUAE ndeyaFree Decree-Mutemo Nha. 20/2018 uye inowedzerwa neFederal AML Mitemo. MuUAE, sematunhu mazhinji, izvi zvinonzi imhosva huru uye zvinogona kuguma nezvirango zvakaita sekuiswa mutirongo uye faindi dzakakura pakutongwa. Iyi posvo yakanangana nekukubatsira kuti unzwisise kuti kubiridzira mari chii, nzira dzakajairika dzinoshandiswa nematsotsi, mhinduro dzemibvunzo inowanzo bvunzwa nezve mashandiro eHawala, uye nemabatiro avanoitwa muAFA.

Heano Mibvunzo Inowanzobvunzwa Pamusoro pekubvisa Mari muAAE:

Chii chinangwa chemoney laundering / Hawala?

Chinangwa chekubiridzira mari kuwana mari zviri nyore, hapana ziya uye hapana basa rakaoma rinodiwa. Panzvimbo pekuwana mari nenzira yepamutemo, munhu wacho anogona kumonyanisa nyaya uye kudzivirira kuisirwa nemari inoyerera uye pasina muripo wemutero.

Kubiridzira Mari pasi peArticle 2 yeFederal Law No. 20/2018 inopa:

“1-Chero munhu, ane kzvino vimbisa kuti mari ndeyokutora mari yekukanganisa kana kuita zvisirizvo, uye uyo anoita nemaune chero eanotevera maitiro, anoonekwa seanokonzeresa mhosva yekuparadza Mari:

-Kuchinjisa kana kufambisa fambisa kana kuitisa chero chiitiko nechinangwa chekuviga kana kuviga yavo Isiri pamutemo sosi.

b-Kuvanza kana kuvanza hunhu chaihwo, kwainobva kana nzvimbo yezvakawanikwa pamwe nenzira iyo inosanganisira maitiro avo, mafambiro, muridzi wekodzero kana nekodzero maererano nemari yawanikwa.

c-Kuwana, kuve kana kushandisa zviwanikwa kana wagamuchira.

d-Kubatsira mutadzi wemhosva yekutiza kuti atize kurangwa.

2-Mhosva yekuba mari zvisirizvo inoonekwa semhosva yakazvimiririra. Kurangwa kwemunhu akapara mhosva yekufananidzira hakutadzise kurangwa kwake kwemhosva yekubiridzira Mari.

3-Kuratidza kuti mari yawanikwa zviri kunze kwemutemo hakufaniri kuva chikonzero chekuti mutongi apare mhosva. ”

Muchidimbu, kubiridzira mari kunosanganisira kuita mari zvisiri pamutemo nenzira yekuwaniswa zviri pamutemo.

Zvikanganiso zvinoshanda here pakufungidzira kudzikisira mari?

Kazhinji, mutsauko unosanganisira tsanangudzo unogona kupfupikiswa seinotevera:

  • Misiyano pakukomba kwemhosva inoonekwa seyakakwana kuratidza mhosva yekuba mari. Semuenzaniso, mune mamwe masimba, zvinonzwisisika kuti kubiridzira mari imhosva inogona kurangwa nerimwe kana anopfuura gore rekusungwa. Mune mamwe masimba, chirango chinosungirwa chaigona kuve makore matatu kusvika mashanu ejeri; kana
  • Mhinduro yacho inotsanangurwa nezvinoreva mhosva yacho inosanganisirwa mukati memutemo wekubiridzira mari weane masimba.
  • Dzimwe mhosva dzezvemari uye kunzvenga mutero zvinotarisirwa nevakuru vepasi rese vanodzorwa zvine hunyanzvi sekufananidzira mhosva dzekubiridzira mari.

Izvo chaizvo nei kubvisirwa mari kwakarambidzwa muAAE, Dubai, Abu Dhabi naSharjah?

Chinangwa chekubiridzira mari ndechekuti ubatsirwe nemhosva. Ruramisiro yekukudziridzwa kwemhosva ndeyekuti hazvina kunaka kuti vanhu nemasangano vabatsire vatadzi kuti vawane mabhenefiti epundutso yechiito chisiri pamutemo kana kufambisa kumisidzana kwemhosva dzakadai nekuvapa mari yemabasa.

Maitiro acho akapamhama. Mumwe munhu kana bhizinesi anobata nezvakasiyana zviitiko, zvakanyanya zvinosanganisira mibairo iyo isina kuwachirwa. 

Kubvisa mari muUAE kunoonekwa semaitiro anoitika muzvikamu zvitatu zvakasiyana.

  1. Chikamu chinosimudzira chemaitiro, kana chivakwa chacho 'chikashambidzwa' uye chayo uye sosi yakavanzwa.
  2. Kubatanidzwa, danho rekupedzisira, uko iyo 'yakashambidzwa' pfuma inodzoserwa kumusika wepamutemo.
  3. Chokwadi ndechekuti izvo zvinonzi zvikamu zvinowanzo pindana; dzimwe nguva (semuenzaniso, muzviitiko zvemhosva dzemari), hapana chikonzero chekuti purofiti yemhosva iiswe '.

Kubiridzira Mari kana Hawala muUAE
Chero ani munhu anoita nemaune kuita zvisiri pamutemo achiziva kuti mari yacho imari yekukanganisa kana kuita zvisirizvo anozotorwa kunge akapara mhosva yekuba mari.

Nei Mari Yekubvisa Mari Isiri Pamutemo?

Mumashoko akareruka, kubiridzirwa kwemari kunoda kutakurwa kwemari inowanikwa kubva muchiito chisiri pamutemo kuenda mumigwagwa "yepamutemo" yekuvanza kwaisingabvumirwe. Zvinoenderana nemutemo wenyika, kubiridzirwa kwemari kunoitika kana mumwe munhu akaedza kuviga kana kuviga kwainobva, nzvimbo, hunhu, kubata kana manejimendi yezvakawanikwa zvisiri pamutemo.

Iko kukonzera kwekubvisirwa mari kungaite senge kwakajeka: kuvanza kwainobva mari. Vaya vanoita zviito zvisiri pamutemo vanobva vangoziva nezve kushandisa zvisirizvo maererano nekwaniso yemari kana kuvanza mari yavanowana nehupfumi. Zviripachena, kumaka izvi sekupihwa kwemari zvingangoguma nekuferefetwa kwazvino zviito zvemunhu, asi pane nzira yekuzvichengeta zviri pamutemo kana munhu aita mari!

Kubiridzira mari muUAE kunogona kubva pakatwasuka kusvika pamazano epamusoro.

Mienzaniso inosanganisira:

Kuvaka: Kugadzira kungave kutora mari diki yemari woisa idzo, wotenga zviridzwa, kusanganisira maodha emari.

Kupomba: Kupinza mari muchivande mune chimwe chiremera, kazhinji kacho kune dzimwe nyika, uye kuchiisa mubhangi rekumahombekombe iro rine zvakavanzika zvakanyanya kana kumanikidza kushoma kwekubiridzira mari.

Makambani anokoshesa mari: Kambani inowanzo kuverengerwa mukugamuchira mari inoshandisa maakaunzi ayo kuisa mari zvine mhosva uye zvechokwadi yakatorwa, ichichengetedza zvese sekuwana chaiko. Nekudaro, kambani haina chero mutengo unoshanduka, saka zvinonetsa kuwana mutengo-wekutengesa musiyano. Mienzaniso kupaka dzokubhejera, makirabhu, mbichana, kana zvivakwa.

Commerce-yakagadziriswa machira: Pasi- kana kuwedzera zvakanyanya mavovoice kuvhara kufambisa kwemari.

Shell mabhizinesi uye mabhizinesi: Shell mabhizinesi netrust vanovanza muridzi chaiye wemari. Motokari dzemakambani pamwe netrust, zvine chekuita nechiremera, havafanirwe kuratidza varidzi vechokwadi.

Kubatwa kwebhangi: Vanopara kana vanokweretesa mari vanotenga zvinodzora kufarira mune zvemari institution, kazhinji muchiremera chekunze nemari yekudzora mari iyo iri murombo, uye yoendesa mari kuburikidza nebhanga pasina bvunzo.

Kasino: Munhu anotenga mapuratifomu uye anofamba achipinda mukasino nemari, anotamba kwechinguva, obva apfeka machipisi, achida mubhadharo. Iye anoshambadzira mari anozoisa cheki mubhangi account, achichengetera sekuwina mitambo.

Musha: Zvivakwa zvinogona kutengwa nemumwe munhu achishandisa purofiti zvisiri pamutemo; munhu anobva atengesa imba. Mhindu kubva pakutengesa kwako inotarisa kune vekunze senge mari inowanikwa. Panzvimbo iyoyo, mutengo weiyo chivakwa unonyengedzwa; mutengesi anobvumirana nechibvumirano chako icho chinomiririra kukosha kweimba, uye anogamuchira purofiti yematsotsi kuti atsive mutsauko.

Ndeupi Chirango cheMubhadharo weMari mu UAE?

Kubvisirwa mari muAU imhosva nekuda kwekukosha kwayo kwepasirese; iwo mubatanidzwa wemutemo wepasi rose uye wenyika. Zvirango zvinogona kuwira muzvikamu zvina zvakafara:

  1. Mhosva;
  2. Kudzora;
  3. Basa; uye
  4. Mhosva yeVanhu

Kubvisirwa Mari muUSAIko kutyora kwakakomba kwazvo uko munhu chaiko anogona kusangana nako, pakati pezvimwe zvinhu, faindi kana kuiswa mutirongo. Kana iwe kana mumwe munhu waunoziva achipomerwa kubiridzira mari, unofanirwa kutsvaga gweta repamutemo nekukasira. Nekuhaya gweta, iwe unozogadzikwa munzvimbo yakakwana kuti udzikise mhedzisiro yezvirango zvematsotsi kana kurwira izvi mhosva.

Mimwe yemari inobhadharwa pasi pe AML ndeiyi inotevera:

  • Kazhinji, yega yega chirango chakanyanya kusimba kupfuura pasi peMutemo wekare weLML.
  • Supervisory Penalty pasi peChitsauko 14 cheFederal Decree-Mutemo Nha. 20/2018, wemakumi mashanu ezviuru kusvika pamamirioni mashanu AED uye inorambidza zviitiko zvebhizinesi, kurambidzwa kwehutongi, kusungwa uye kudzimiswa kwelayisensi.
  • Mhosva dzeMatsotsi e100,000 kusvika 5 mamirioni AED uye jeri kusvika kumakore gumi.
  • Kukundikana kutaurisa Susupenzi Transaction kucharangwa nekusungwa kana mubhadharo wepakati pe300,000 AED uye 50,000 AED.
  • Kubata murume ari kubvunza nezve Suspect Transaction acharangwa nekuiswa mutirongo kwegore kana faindi iri pakati pezviuru zana AED kusvika zviuru gumi zveAED.
  • Kuputsa kwezvinodiwa neAirport Resolutions kucharangwa faindi kana kusungwa.
  • Kusiyana neaimbova Mutemo we AML, iwo mutsva weAML Mutemo unodzora Mari Kuchengetedzwa Kwemisangano zvisiri pamutemo, iyo mari yehugandanga kana kutorerwa mapundutso ekubira mari.

Uye zvakare, AML inopa kuti iyo mari inobhadharwa zvisiri pamutemo mukubiridzira mari ndeyokukanganisa chirango chemhosva.

The Nyowani AML Mutemo ine zvirango zvakakomba nechinangwa chekurwira Mari Kubiridzira muAFA.

Pamusoro pezvo, mutemo unotaura nezveFunding yeMasangano Asiri Pamutemo, iyo inotora nhanho kuenda kumberi, sezvo kubiridzira mari kunowanzo sunganidzwa neFunding of Terrorism kana Masangano Asiri Pamutemo pamwe neFinancing of Terrorism pasi peFederal Law No. 7/2014.

Danho remutemo weUAE rinoratidza kuti mhosva dzemari hadzibvumirwe neAU uye dzinosimbisa kuti UAE haifarire kutorwa senzira yakachengeteka yevanopamba mari.

1 yakafunga nezve "Inowanzo Bvunzwa Mibvunzo Nezve Kubiridzira Mari kana Hawala muUAE: Ndichatarisana nePenal Action?"

  1. Murume wangu akamiswa kuDubai Airport achiti ari kugezesa mari aifamba nemari yakawandisa iyo yaakatora kubhengi reUK akayedza kutumira imwe kwandiri asi masisitimu ayo pazasi kubhengi uye akatadza kuita izvi uye mari yese yaainayo iripo naye.
    Mwanasikana wake achangobva kuvhiyiwa hart uye anozodzingwa muchipatara muUK uye achashaya kana kwekuenda kwaari ane makore gumi nematatu.
    Mukuru wepanhandare yendege anoti anoda kubhadhara mari inosvika zviuru zvishanu zvemadhora asi mapurisa atora mari yake yese.
    Ndokumbirawo murume wangu murume akanaka akatendeseka semhuri anoda kuuya kumba uye kuunza mwanasikana wake kuno kuSouth Africa
    Chii chatinoita izvozvi chero zvishoma kana zano richabatsira
    Ndatenda
    Colleen Lawson

    A

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