Zvaunoda kuziva nezve mhosva dzemari muUAE

Iwe urikubatanidzwa mune imwe nyaya ine chekuita nemhosva dzemari muUAE, kana kungoziva nezvemitemo yeEmirati ine chekuita nemhosva dzemari? Ichi chinyorwa chinokuudza zvaunoda kuziva nezve mhosva dzemari muUAE, mitemo yavo, uye kuti gweta ringakubatsira sei.

Chii chinonzi mhosva yemari?

Sezvinoreva zita racho, mhosva dzemari (financial crime) zvinoreva kuita chero kwehutsotsi hunosanganisira kutora mari kana zvinhu zvemumwe munhu kuti uwane mari kana hunyanzvi. Nekuda kwehunhu hwadzo, kukanganisa kwemhosva dzemari kunonzwikwa pasi rose, nekusimba kwakasiyana, zvichienderana nekusimba kwehupfumi hwenyika imwe neimwe.

Maererano neInternational Compliance Association, tinogona kupatsanura mhosva dzemari muzvikamu zviviri zvakakura:

Avo vakazvipira nechinangwa chekuunza hupfumi kuvaiti vezvakaipa, uye
Avo vakazvipira kuchengetedza bhenefiti yakawanikwa zvisiri izvo kana hupfumi kubva kune mhosva yapfuura.

Ndiani anopara mhosva dzemari?

Vanhu vakasiyana vanopara mhosva dzemari nekuda kwezvikonzero zvakasiyana. Zvisinei, tinogona kuisa vanhu ava mumapoka anotevera:

Avo vanoita mabasa makuru kunyengera kuwana mari kumabasa avo, akadai sematsotsi akarongwa akaita semapoka emagandanga;
Avo vanoshandisa zvinzvimbo zvavo kupamba homwe yedunhu ravo vakaita sevakuru venyika vane huori;
Avo vanonyengedza kana kutaura zvisizvo data rezvemari kuti vape mufananidzo wenhema pamusoro pemamiriro ezvemari esangano, sevatungamiriri vebhizinesi kana vatungamiri veC-Suite;
Avo vanoba mari yebhizinesi kana yesangano nezvimwe zvinhu, sevashandi varo, makondirakiti, vatengesi, kana “joint task force”, inoumbwa nevashandi vekambani nemapato echitsotsi ekunze;
Iye "akazvimiririra anoshanda" anogara achitsvaga mikana yekusunungura vasingafungidzirwe vakabatwa nemari yavo yakaoma yavakabata.

Ndeapi marudzi makuru ehutsotsi hwemari?

Kuparwa kwemhosva yemari kunogona kuitika nenzira dzakasiyana siyana. Nekudaro, izvo zvinonyanya kuzivikanwa ndezvi:

Chitsotsi, semuenzaniso, kadhi hutsotsi, hutsotsi hwefoni,
Mhosva dzemagetsi
Bounced cheki
Money laundering
Mari yemagandanga
Chiokomuhomwe nehuori
Zvekunyepera
Chitupa chakabiwa
Kushungurudzwa kwemusika uye kutengeserana kwemukati
Kuchengetedzwa kwemashoko
Kunzvenga mutero,
Kubiwa kwemari yekambani,
Kutengesa zvirongwa zveinishuwarenzi zvekunyepedzera, inozivikanwa sehutsotsi hweinishuwarenzi

Ndeipi mitemo yematsotsi emari muUAE?

Mutemo weEmirati wekupara mhosva kwemari unotsanangura zvakasiyana-siyana zvehutsotsi hwemari uye zvirango zvevarindiri. Semuyenzaniso, Clause (1) of Article (2) of the Federal Decretal-Law No. (20) Of 2018 anotsanangura kubvisirwa mari uye zviitiko zvinoonekwa sekubira mari.

Chero ani zvake anoziva kuti mari yaainayo yaive mari yekupara mhosva kana kukanganisa uye achiri kuita nemaune chero chezviitiko zvinotevera ane mhosva kubvisa mari:

Kuita chero kutengeserana kuvanza kana kuvanza kunobva mari zvisiri pamutemo, sekuzvifambisa kana kutamisa.
Kuvanza nzvimbo kana chimiro chemari, kusanganisira maitiro avo, mafambiro, muridzi, kana kodzero.
Kutora mari dzacho nekudzishandisa pane kumhan’ara kune vane masimba.
Kubatsira mupari wemhosva kana kukanganisa kuti atize kurangwa.

Cherechedza kuti UAE inofunga nezvekubira mari kuva mhosva yakazvimirira. Saka munhu akabatwa nemhosva yekupara mhosva kana kukanganisa anogona kuramba akabatwa nemhosva uye kurangwa kubvisirwa mari. Nokudaro, munhu wacho achatakura chirango chemhosva dzose akazvimirira.

Kurangwa kwemhosva dzemari

Money laundering inotakura chirango chekusvika kumakore gumi mujeri uye faindi yeAED 10 kusvika 100,000. Kana mhosva yacho yakanyanya kuoma, faindi yacho inogona kukwira kuAED 500,000.
Bounced cheki inotakura chirango chepakati pemwedzi mumwe kusvika kumakore matatu mutirongo, faindi yakakura uye kudzoserwa kune akabatwa.
Credit kadhi kubiridzira kunopa faindi yakakura uye imwe nguva yekugara mujeri
Embezzlement inotakura mutongo wefaindi yakakura, nguva yejeri iri pakati pemwedzi mumwe kusvika makore matatu uye kudzoserwa munhu anenge abatwa nemhosva.
Forgery inotakura chirango chemakore gumi nemashanu mutirongo kana kudarika, faindi dzakakura uye kutongwa.
Kubira zvitupa kunoonekwa semhosva huru uye kune chirango chefaindi dzakakura, kuongororwa, uye chiratidzo chechigarire pane rekodhi remhosva.
Hutsotsi hweinishuwarenzi hunopa mafaindi makuru.

Kunze kwaizvozvo kubvisirwa mari, dzimwe mhosva dzemari dzinotakura mutongo unosvika makore matatu mujeri uye/kana faindi yeAED 30,000.

Usave nyajambwa wemhosva dzemari.

Ngatitarisana nazvo: mhosva dzemari dziri kuramba dzichiwedzera kuoma mazuva ese, uye njodzi dzekuwira munhu dzakanyanya. Nekudaro, kana iwe ukatevera mimwe mitemo yakapusa, iwe unofanirwa kupukunyuka kuwira munjodzi dzemari.

Gara uchisimbisa kambani kana munhu anokupa zvinhu usati watenga chero;
Usambofa wakapa ruzivo rwemunhu kana zvakavanzika parunhare;
Gara uchitarisa online wongororo yekambani usati watenga. Google ishamwari yako yepamoyo;
Usambofa wakadzvanya pane zvinongedzo kana kuvhura zvakanamirwa mumaemail zvawanga usingatarisire kugamuchira kana izvo zvinobva kune asingazivikanwe anotumira;
Usambofa wakabhadhara pamhepo kana kuita chero kubhengi yepamhepo kana wakabatana neruzhinji Wi-Fi, sezvo ruzivo rwako runogona kubiwa zviri nyore.
Ngwarira mawebhusaiti ekunyepedzera - tarisa zvinongedzo zvakanaka usati wadzvanya pazviri;
Ngwarira kubvumidza vamwe vanhu kushandisa account yako yekubhangi;
Ngwarira mashandisirwo emari anosanganisira mari yakawanda, sezvo paine nzira dzekubhadhara dzakachengeteka dziripo;
Ngwarira kutengeserana kunoitwa nenyika.

Mhosva dzezvemari dzakabatanidzwa sei nemari yemagandanga?

Article (3), Federal Law No. (3) Of 1987 and the Federal Law No. (7) Of 2014 inotsanangura kuti mhosva dzemari dzinobatana sei nemari yemagandanga. Chero ani zvake anoita nemaune chero edzimhosva dzinotevera achava nemhosva yemari yemagandanga:

Chero chezviito zvakatsanangurwa muChikamu (1) cheChinyorwa (2) che mutemo kumusoro;
Kana munhu wacho aiziva kuti mari yacho yose kana kuti chikamu ndeyayo kana kuti yaida kupa mari kusangano remagandanga, munhu, kana kuparwa kwemhosva, kunyange dai vasina kuvanza mavambo ayo asiri pamutemo;
Munhu anopa mari yezviito zvehugandanga kana kupa mari masangano emagandanga;
Munhu akapa nzira dzekuti mari yacho iwanikwe yekuishandisa kuita zvehugandanga;
Munhu anoita zviito zviri pamusoro achimiririra masangano emagandanga, achiziva zvizere hunhu hwavo chaihwo kana mabviro.

Nyaya yenyaya yemhosva yemari

Muna 2018, mumwe wemakore makumi matatu nematatu emuPakistani director webhangi rekutengesa masheya akapomerwa mhosva. kutora Dh 541,000 muchiokomuhomwe kubva kune mumwe muzvinabhizimisi ane makore makumi matatu nematanhatu. Maererano nemhosva, muzvinabhizimisi uyu akabhadhara chiokomuhomwe kuitira kuti akwanise kutenga masheya asina kuvharwa mumakambani matanhatu akasiyana aitengeserana pamusika wePakistan asi aidiwa zvakanyanya, munguva dzakasiyana.

Iyi kesi muenzaniso wekare wechiokomuhomwe uye kutengeserana kwemukati. Sezvineiwo varume vaviri ava, a Dubai Dare Rekutanga rakavasunungura papomero dzose uye rakarasa mhosva yavaipomerwa.

Kambani yedu yemagweta ingabatsire sei pamhosva yezvemari?

Boka redu redunhu rematsotsi ezvemari rine magweta anobva kumitemo yakasiyana-siyana yevagari vemunyika uye matunhu emutemo, vatauri vechiArabic nechiRungu vane hunyanzvi hwepasirese nedunhu. Nekuda kwechikwata ichi chiri kuita zvepamusoro, vatengi vedu vanonakidzwa nesevhisi yakazara yavanoda, kubva pakubvunza kwekutanga kusvika pakunyora muchiArabic kana Chirungu, kusvika. kududzira mudare.

Pamusoro pezvo, timu yedu inonakidzwa nehukama hwepedyo nemasangano ehurumende yemuno neyepasirese uye inogara ichisimudzira kubatana uku kana ichibata nyaya dzevatengi dzine chekuita nemhosva dzemari.

Magweta angabatsira sei munyaya yemhosva yemari

Lawyers akakosha mumatare emhosva dzemari nekuti anopa zano nerubatsiro nekuferefeta nyaya uye kumiririra zviri pamutemo kune vanobatanidzwa munyaya yacho. Pamusoro pezvo, zvinoenderana nezvinorehwa nenyaya yega yega, vanozoshanda kuti mhosva idzikiswe kana kudzoreredza muripo kune akakuvara.