Izinga lokushushumbiswa kwemali likhulu emhlabeni jikelele. Ngokwezilinganiso ezithile, cishe amabhiliyoni angama-800 kuya ku-$2 wamatriliyoni atholwa emhlabeni wonke minyaka yonke, okwenza u-2% kuya ku-5% we-GDP yomhlaba.

Amabhange, ukuhwebelana ngemali, amakhasino, i-ejensi yemizi, ukuhwebelana nge-cryptocurrency, ngisho nabameli bangakwazi ukunika amandla ukushushumbiswa kwemali ngephutha noma i-hawala ngokwehluleka ukwenza ukucophelela okufanele ekuthengiseni okusolisayo namakhasimende, kanye nokungazi ngezinhlobo ezahlukahlukene ze ukukhwabanisa ku-accounting esiza inqubo.

Amasu ajwayelekile asetshenziselwa ukushushumbiswa kwemali noma i-hawala ahlanganisa izikimu ezisekelwe kwezohwebo, ukusetshenziswa kwamakhasino kanye nokuthengiselana kwezindlu ezithengiswayo, ukwakha amagobolondo nezinkampani zangaphambili, ukukhwabanisa, nokusebenzisa kabi izindlela zokukhokha ezintsha njenge-cryptocurrencies.

Mukuhlamba isibe yinkimbinkimbi ngokwengeziwe, idinga umeluleki wezomthetho ochwepheshe ukuze azulazule kuwebhu eyinkimbinkimbi yemithetho ye-UAE emelene nokushushumbiswa kwemali e-Dubai. Kwa-AK Advocates, abakhethekile bethu abameli bobugebengu bezezimali ukuletha amashumi eminyaka okuhlangenwe nakho ekuphatheni okuyinkimbinkimbi amacala okukhwabanisa imali ngaphesheya kwe-UAE.

Okuhlosiwe Okujwayelekile Kwezinhlelo Zokushushumbisa Imali

Ukwebiwa kwemali kuthinta imikhakha eyahlukene kanye nabantu ngabanye e-UAE:

Izikhungo zezimali kanye namabhange ngokusebenzisa amadiphozithi ahlelekile kanye nokudluliswa kwemali ngezintambo
Abathuthukisi bezindlu ngokuthenga izakhiwo kusetshenziswa izimali ezingekho emthethweni
I-Cryptocurrency exchanges kanye nezinkundla zezimpahla zedijithali
Osomabhizinisi abancane ngokusebenzisa imisebenzi edinga ukheshi
Abantu abanenani eliphakeme ngezinhlelo zokutshala izimali eziyinkimbinkimbi

Izibalo zamanje namathrendi

Ngokusho kwe-UAE's Financial Intelligence Unit (FIU), kube nokukhuphuka ngo-51%. imibiko yokwenziwe esolisayo ngo-2023, nemibiko engaphezu kuka-9,000 efakiwe. I-UAE imizamo yokulwa nokushushumbiswa kwemali kuholele ekuthathweni kwe-AED 2.35 billion yezimali ezingekho emthethweni ngesikhathi esifanayo.

Ukuma Okusemthethweni

Umhlonishwa u-Khaled Mohammed Balama, uMbusi we-UAE Central Bank, uthe: "I-UAE ikhombise ukuzibophezela okungaguquki ekulweni. ubugebengu bezezimali ngokusebenzisa okuqinile izinhlaka zokulawula kanye nokubambisana kwamazwe ngamazwe. Izinyathelo zethu zokukhuthala ezithuthukisiwe ziqinise ubuqotho bohlelo lwethu lwezezimali.”

Uhlaka Lwezomthetho lwe-UAE olufanele

Ukuma kwe-UAE mayelana nokushushumbiswa kwemali kubuswa izinhlinzeko ezimbalwa zomthetho ezibalulekile:

Federal Decree-Law No. 20 of 2018: Ichaza amacala okukhwabanisa imali futhi usungula izinyathelo zokuvimbela
I-Athikili 2 (Umthetho No. 20): Kwenza kube icala ukuguqulwa noma ukudluliselwa kwenzuzo engekho emthethweni
I-Athikili 14: Amagunya okubikwa kwe ukuthengiselana okusolisayo
Isigaba 22: Usungula izinhlawulo ze ukwephulwa kobugebengu bezezimali
I-Federal Law No. 26 ka-2021: Ithuthukisa izinyathelo eziphikisanayo izimali zamaphekula

Imithetho ye-AML yase-Dubai nokusebenza kwayo:

Imithetho yase-Dubai Ye-Anti-Money Laundering ilawulwa yi-UAE Federal Law No. 20 of 2018 kanye nezichibiyelo zayo ezilandelayo, ikakhulukazi Federal Decree Law No. 26 of 2021. Le mithetho isungula uhlaka olubanzi oluhambisana nezindinganiso zamazwe ngamazwe ezibekwe yi-Financial Action Task Force (FATF). I-Dubai Financial Services Authority (DFSA) kanye neBhange Elikhulu lase-UAE (CBUAE) asebenza njengabalawuli abayinhloko, aqinisekisa ukuthotshelwa okuqinile kuzo zonke izikhungo zezezimali, amabhizinisi aqokiwe okungewona awezezimali, kanye nemisebenzi esebenza ngaphakathi kwe-Dubai nezindawo zayo zamahhala.

Uhlelo lwe-Dubai AML lusebenza ngendlela enezendlalelo eziningi yokuqinisekisa amakhasimende kanye nokuqapha okwenziwayo. Amabhizinisi kufanele asebenzise izinqubo eziqinile ze-Know Your Customer (KYC), ezihlanganisa ukuqoqa i-Emirates ID noma imininingwane yephasiphothi, ubufakazi bekheli, kanye nemibhalo yenkampani yamakhasimende ezinkampani.

Izikhungo zezezimali kudingeka zisebenzise amasistimu okuqapha athuthukile alandelela okwenziwayo ngesikhathi sangempela, ngokubika okuyisibopho kwanoma yikuphi ukuthengiselana ngemali okudlula i-AED 55,000 noma okulingana nayo kwezinye izinhlobo zemali. Uhlelo lugcizelela ngokukhethekile ukuhlonza abanikazi abazuzisayo kanye nokuqonda umthombo wezimali wemisebenzi enenani eliphezulu.

Okuhlukile kuhlaka lwe-AML yase-Dubai ukugxila kwayo ezindaweni zamahhala kanye nemikhakha yezindlu ezithengiswayo, ezithathwa njengezindawo ezinengcuphe ephezulu yokushushumbiswa kwemali. UMnyango Wezomhlaba wase-Dubai usebenzise imithetho ethile edinga ama-ejenti wezindlu kanye nabathuthukisi ukuthi baqhube ukukhuthala okufanelekile mayelana nokuthengiselana kwezakhiwo.

Ukwengeza, isimo sesu sase-Dubai njengesizinda sohwebo somhlaba wonke siholele ezimfuneko eziqinile zokuvimbela ukushushumbiswa kwemali okusekelwe kwezohwebo, okuhlanganisa nemibhalo enemininingwane yemisebenzi yokuthunyelwa kwempahla kwamanye amazwe nokuqapha ngokucophelela imisebenzi yenkampani ehwebayo. Ukungathobeli le mithetho kungaholela ezinhlawulo ezinkulu, ezisukela ku-AED 50,000 kuya ku-AED 5 million, kanye nokushushiswa okungenzeka kube nobugebengu.

Indlela Yezobulungiswa Bobugebengu yase-UAE

I-UAE yamukela indlela yokungabekezeleli lutho ekukhwabaniseni imali, isebenzisa indlela ebanzi uhlaka olusekelwe engozini. Uhlelo lokulawula izimali zezwe lugcizelela ukuvimbela ngokusebenzisa okuqinile ukukhuthala kwekhasimende izidingo kanye nokubambisana kwamazwe ngamazwe ekulandeleni izimali ezingekho emthethweni.

Izijeziso kanye nemiphumela kuvuliwe Ukuhlukana Kwemali

Abagwetshiwe babhekana nezijeziso ezinzima:

Ukuboshwa okusukela eminyakeni emi-5 kuye kwengama-15
Inhlawulo efinyelela ku-AED 5 million
Ukushaqwa kwemali etholakele kanye nezinto ezisetshenziswayo
Kungenzeka ukuvalwa kwebhizinisi kanye nokuhoxiswa kwelayisensi
Ukuqandisa kwempahla phakathi nophenyo

Izindlela Zokuvikela Ezihlakaniphile ze Ukuhlukana Kwemali Izigebengu

Ithimba lethu lezokuvikela ubugebengu lisebenzisa amasu ahlukahlukene ukuze livikele amakhasimende ethu:

Ukuphikisa ubufakazi bomshushisi bokuthi inhloso yobugebengu
Ukusungula imithombo yezimali esemthethweni
Ukubonisa ukuthobela izidingo zokulawula
Ukuxoxisana neziphathimandla ngamacala ancishisiwe
Ukuqalisa izinyathelo zokulungisa ukuvimbela ukwephulwa kwesikhathi esizayo

Sifinyelele ku- +971506531334 noma +971558018669 ukuze sixoxe ngokuthi singakusiza kanjani esimweni sakho.

Indaba Yangempela Yempumelelo: I-Al Najm Trading Case

Igama lishintshelwe ubumfihlo

Inkampani yethu iyivikele ngempumelelo i-Al Najm Trading Company izinsolo zokukhwabanisa imali okubandakanya i-AED 15 million ekuthengiseni. Abashushisi bafune amaphethini asolisayo ekudluliselweni kwemali ngezintambo kwamanye amazwe, kodwa ithimba lethu lezomthetho:

Ukuboniswa kuqediwe amadokhumenti okwenziwayo
Kufakazelwe ukuhambisana nayo Imithetho ye-AML
Kusungulwe ubudlelwano bebhizinisi obusemthethweni
Umthombo oqinisekisiwe wezimali ngokuhlaziywa kochwepheshe

Icala lihoxiswe ngemuva kokuthi siqinisekise ukuthi konke okwenziwe bekuyimisebenzi yebhizinisi esemthethweni enamaphepha afanelekile.

Ukusekelwa Okuphelele Kwezomthetho Kuyo yonke i-Dubai

Our abameli bokuvikela imali ngokungemthetho sebenzela amaklayenti kuyo yonke imiphakathi ehlukahlukene yase-Dubai. Kusukela endaweni ephithizelayo yezezimali eBusiness Bay kuya e-Emirates Hills ehlonishwayo, ithimba lethu lisize amakhasimende aseDubai Marina, Palm Jumeirah, Downtown Dubai, JLT, Sheikh Zayed Road, Deira, Dubai Hills, Bur Dubai, Mirdif, Dubai Creek Harbour, Al I-Barsha, i-Jumeirah, i-Dubai Silicon Oasis, i-City Walk, ne-JBR.

Isazi Sokumela Kwezomthetho Lapho Ukudinga Kakhulu

Ukwesekwa Kwezomthetho Okuzwela Isikhathi Kuyatholakala

Lapho ubhekene nezinsolo zobugebengu bezezimali, isinyathelo esisheshayo sibalulekile. Iqembu lethu lakudala le ongoti kwezokuvikela ubugebengu umi ngomumo ukuvikela amalungelo nezintshisekelo zakho. Ngolwazi olujulile lwemithetho yezezimali ye-UAE kanye nempumelelo efakazelwe ezimweni eziyinkimbinkimbi, sinikeza ukumela kwamasu okudingayo.