Odinga ukukwazi mayelana nobugebengu bezezimali e-UAE

Ingabe uyabandakanyeka ecaleni eliphathelene nobugebengu bezezimali e-UAE, noma ufuna ukwazi ngemithetho yase-Emirati mayelana nobugebengu bezezimali? Lesi sihloko sikutshela okudingeka ukwazi mayelana nobugebengu bezezimali e-UAE, imithetho yabo, nokuthi ummeli angakusiza kanjani.

Buyini ubugebengu bezezimali?

Njengoba igama lisho, ubugebengu bezezimali bubhekisela kunoma yisiphi isenzo sobugebengu esibandakanya ukuthatha imali noma impahla okungeyomunye umuntu ukuze athole inzuzo yezezimali noma yomsebenzi. Ngenxa yemvelo yawo, umthelela wobugebengu bezezimali uzwakala emhlabeni wonke, ngamazinga ahlukahlukene okuqina, kuye ngamandla ezomnotho wezizwe ngazinye.

Ngokwe-International Compliance Association, singahlukanisa ubugebengu bezezimali ngezigaba ezimbili ezibanzi:

Labo abazibophezele ngenhloso yokukhiqizela abenzi bobubi ingcebo, kanye
Labo abazibophezele ukuvikela inzuzo etholwe ngokungafanele noma ingcebo ebugebengwini bangaphambili.

Ubani owenza ubugebengu bezezimali?

Abantu abehlukene benza ubugebengu bezezimali ngezizathu ezahlukene. Nokho, singababeka laba bantu emaqenjini alandelayo:

Labo abenza ngezinga elikhulu ukukhwabanisa ukuxhasa imisebenzi yabo, njengezigebengu ezihleliwe njengamaqembu amaphekula;
Labo abasebenzisa izikhundla zabo ukugebenga isikhwama sezifunda zabo njengezinhloko zombuso ezikhohlakele;
Labo abakhohlisayo noma ababike kabi idatha yezezimali ukuze banikeze isithombe esingamanga mayelana nesimo sezimali senhlangano, njengabaholi bamabhizinisi noma abaphathi be-C-Suite;
Labo abantshontsha izimali zebhizinisi noma zenhlangano nezinye izimpahla, njengabasebenzi balo, osonkontileka, abahlinzeki, noma “ithimba elihlanganyelwe lomsebenzi”, elakhiwe abasebenzi benkampani kanye nezinhlangano zangaphandle ezikhwabanisayo;
“Umqhubi ozimele” uhlale ebheke amathuba okukhulula izisulu ezingalindelekile ngezimali ezizisebenzele kanzima.

Yiziphi izinhlobo eziyinhloko zobugebengu bezezimali?

Ukwenza ubugebengu bezezimali kungenzeka ngezindlela eziningi ezahlukene. Nokho, ezivame kakhulu yilezi:

Ukukhwabanisa, isb. credit card ukukhwabanisa, ukukhwabanisa kwefoni,
Ubugebengu be-elekthronikhi
Amasheke abhampisiwe
Ukuthulwa kwemali
Uxhaso lwamaphekula
Ukugwazisa nenkohlakalo
Ukuqamba
Ukwebiwa kobunikazi
Ukuhlukunyezwa kwemakethe nokuhweba kwangaphakathi
Ukuphepha kolwazi
Ukugwema ukukhokha intela,
Ukuxhashazwa kwezimali zenkampani,
Ukuthengisa izinhlelo zomshwalense ongelona iqiniso, okwaziwa ngokukhwabanisa komshwalensi

Iyini imithetho yobugebengu bezezimali e-UAE?

Umthetho wobugebengu bezezimali wase-Emirati uchaza izimo zobugebengu bezezimali ezahlukene kanye nezijeziso zabo. Isibonelo, Isigaba somthetho (1) se-Athikili (2) ye-Federal Decretal-Law No. (20) Yango-2018 ichaza imali yokwehliswa kwemali kanye nemisebenzi ebalwa njengokukhwabanisa imali.

Noma ubani owaziyo ukuthi izimali ezikuye kwakuyinzuzo yecala noma isenzo esingalungile futhi namanje ngokwenza noma yimiphi imisebenzi elandelayo ngamabomu unecala ukukhwabanisa imali:

Ukwenza noma yikuphi ukuthenga ukuze kufihlwe noma kufihlwe umthombo ongekho emthethweni wezimali, njengokuzisusa noma ukuzidlulisela.
Ukufihla indawo noma uhlobo lwezimali, okuhlanganisa isimo sazo, ukunyakaza, ubunikazi, noma amalungelo.
Ukuthatha izimali uzisebenzise esikhundleni sokuthi ubikele iziphathimandla ezifanele.
Ukusiza umenzi wecala noma isenzo esingalungile ukuthi abaleke esijezisweni.

Qaphela ukuthi i I-UAE ibheka ukushushumbiswa kwemali ukuba yicala elizimele. Ngakho-ke umuntu olahlwe yicala noma ukwenza iphutha angalahlwa futhi ajeziselwe imali yokwehliswa kwemali. Ngakho, umuntu uyothwala izinhlawulo zawo womabili amacala ngokuzimela.

Isijeziso ngamacala ezezimali

Ukuthulwa kwemali uthwala inhlawulo efinyelela ku-10 ejele kanye nenhlawulo ye-AED 100,000 kuye ku-500,000. Uma ubugebengu bukhulu kakhulu, inhlawulo ingakhuphukela ku-AED 1,000,000.
Amasheke akhokhisiwe anenhlawulo ephakathi kwenyanga eyodwa kuya eminyakeni emithathu ejele, inhlawulo eshisiwe kanye nokubuyiselwa kohlukunyeziwe.
Ikhadi lesikweletu ukukhwabanisa kunenhlawulo enkulu kanye nesikhathi esichithwa ejele
Ukukhwabanisa kunenhlawulo enkulu, isikhathi sasejele esiphakathi kwenyanga eyodwa kuya kwemithathu kanye nokubuyiselwa kwabahlukunyeziwe.
Ukukhohlisa kunesijeziso seminyaka engu-15 noma ngaphezulu, inhlawulo enkulu kanye nokuvivinywa.
Ukwebiwa kwemininingwane kuthathwa njengecala elibi futhi kunenhlawulo enkulu, ukuvivinywa, kanye nophawu olungunaphakade kurekhodi lobugebengu lomgebengu.
Ukukhwabanisa komshwalensi kunezinhlawulo ezinkulu.

Ngaphandle kwe imali yokwehliswa kwemali, obunye ubugebengu bezezimali bunenhlawulo efinyelela eminyakeni emithathu ejele kanye/noma inhlawulo engu-AED 30,000.

Ungabi yisisulu sobugebengu bezezimali.

Masibhekane nakho: ubugebengu bezezimali buba nzima kakhulu nsuku zonke, futhi ubungozi bokuba yisisulu sobunye buphezulu kakhulu. Kodwa-ke, uma ulandela imithetho ethile elula, kufanele ubalekele ekubeni yisisulu sobugebengu bezezimali.

Njalo qinisekisa inkampani noma umuntu okunikeza izinto ngaphambi kokwenza noma yikuphi ukuthenga;
Ungalokothi unikeze ulwazi lomuntu siqu noma oluyimfihlo ngocingo;
Njalo hlola ukubuyekezwa okuku-inthanethi kwenkampani ngaphambi kokuthenga. U-Google ungumngani wakho omkhulu;
Ungalokothi uchofoze izixhumanisi noma uvule okunamathiselwe kuma-imeyili obungalindele ukuwathola noma avela kumthumeli ongaziwa;
Ungalokothi ukhokhe ku-inthanethi noma wenze noma yikuphi ukubhanga ku-inthanethi uma uxhumeke ku-Wi-Fi yomphakathi, njengoba ulwazi lwakho lungantshontshwa kalula.
Qaphela amawebhusayithi mbumbulu - hlola izixhumanisi kahle ngaphambi kokuthi uchofoze kuzo;
Qaphela ngokuvumela abanye abantu ukuthi basebenzise i-akhawunti yakho yasebhange;
Qaphela ukuthengiselana ngemali okubandakanya amanani amakhulu, njengoba kunezindlela zokukhokha eziphephe kakhulu ezitholakalayo;
Qaphela okwenziwayo okwenzeka emazweni.

Ubugebengu bezezimali buhlotshaniswa kanjani noxhaso lwamaphekula?

I-athikili (3), Federal Law No. (3) Of 1987 and the Federal Law No. (7) Of 2014 ichaza ukuthi ubugebengu bezezimali buhlotshaniswa kanjani nezimali zamaphekula. Noma ubani owenza ngamabomu noma yibuphi ubugebengu obulandelayo uyoba necala lokuxhasa ngezimali amaphekula:

Noma yiziphi izenzo ezishiwo kwisigatshana somthetho (1) seSigaba (2) somthetho umthetho ngenhla;
Uma umuntu azi ukuthi izimali bezingezikabani noma ingxenye yazo noma zihloselwe ukuxhasa ngezimali inhlangano yamaphekula, umuntu, noma ubugebengu, ngisho noma bebengahlosile ukufihla umsuka wabo ongekho emthethweni;
Umuntu ohlinzeka ngezimali zezenzo zobuphekula noma ezixhasa ngezimali izinhlangano zamaphekula;
Umuntu ohlinzeke ngezindlela imali ezotholwa ngazo ukuze zisetshenziswe ezenzweni zobuphekula;
Umuntu owenza lezi zenzo ezingenhla egameni lezinhlangano zamaphekula, azi kahle ukuthi imvelo yazo yangempela noma imvelaphi yazo.

Indaba yobugebengu bezezimali

Ngo-2018, umqondisi wasePakistan oneminyaka engama-37 wesigaba sokuhwebelana ngamasheya wasolwa ukuthatha u-Dh 541,000 wokufumbathiswa usomabhizinisi wasekhaya oneminyaka engama-36. Ngokwamacala, usomabhizinisi wakhokha imali yokugwazela ukuze akwazi ukuthenga amasheya angekho emthethweni ezinkampanini eziyisithupha ezehlukene ebezihweba emakethe yasePakistan kodwa abengadingeki kakhulu, ngezikhathi ezahlukene.

Leli cala liyisibonelo sakudala sokufumbathisa nokuhweba kwangaphakathi. Ngenhlanhla ngala madoda amabili, a Dubai INkantolo Yokuqala yawakhulula kuwo wonke amacala futhi yalichitha icala lombango ababebekwe lona.

Inkampani yethu yabameli ingasiza kanjani ecaleni lobugebengu bezezimali?

Ithimba lethu lesifunda lobugebengu bezezimali liqukethe abameli bezomthetho abahlukahlukene kanye nezindawo zomthetho ezivamile, izikhulumi zomdabu zesi-Arabhu nesiNgisi abanolwazi lwamazwe ngamazwe nawesifunda. Ngenxa yaleli qembu elisebenza kahle kakhulu, amakhasimende ethu ajabulela isevisi ebanzi ayidingayo, kusukela ekubonisaneni kokuqala kuya ekubhaleni isi-Arabhu noma isiNgisi, ukuvuma enkantolo.

Ukwengeza, ithimba lethu lijabulela ubudlelwano obuseduze nezinhlangano zikahulumeni wasekhaya nowamazwe ngamazwe futhi livame ukusebenzisa lokhu kuxhumana lapho lisingatha amacala amaklayenti ahlobene nobugebengu bezezimali.

Abameli bangasiza kanjani ecaleni lobugebengu bezezimali

Abameli zibalulekile emacaleni obugebengu bezezimali ngoba zinikeza izeluleko nosizo ngophenyo odabeni kanye nokumelwa kwezomthetho kwabathintekayo ecaleni. Ukwengeza, kuye ngokucaciswa kwecala ngalinye, bazosebenzela ukuthola ukwehliswa kwezindleko noma ukuthola isinxephezelo somuntu olimele.