Ukwehliswa kwemali noma iHawala e-UAE
Ukwehliswa kwemali noma uHawala e-UAE igama elijwayelekile elisetshenziselwa ukubhekisa ekutheni izephula-mthetho zifihla kanjani umthombo wemali. Ukuba nemali etholakalayo yezenzo zobugebengu kufihliwe ngokwenza leyo nzuzo ibonakale itholakala emthonjeni omuhle. Izinqubo lapho impahla etholwe ngobugebengu ingahlanzwa khona zibanzi.
Isimo semikhiqizo nezinsizakalo ezihlinzekwa ngumkhakha wezinsizakalo zezezimali (ikakhulukazi, ukuphatha, ukulawula, nokuba nemali nempahla okungeyabanye) kusho ukuthi imboni ivezwa ekuhlukunyezweni yilabo abakhwabanisa imali. Amacala okushushumbisa imali anezici ezifanayo emhlabeni wonke. Uzothola izinto ezimbili ezibalulekile zecala lokushushumbisa imali:
- Isinyathelo sokugunyazwa sokuthenga izimali ngokwayo, okungukuthi, ukunikezwa kwezinsizakalo zezezimali; futhi
- Kuyizinga elidingekayo lolwazi noma i-intuition (kungaba nge-subjective noma ngenhloso) ephathelene nokunikezwa kwezimali noma okwenziwa yikhasimende.
Isenzo sokukhwabanisa noma i-hawala senziwa ezimweni lapho ubukade uhlanganyela khona (okusho, ngokunikezela ngensizakalo noma okuthengiswayo). Lelo lungiselelo lidinga imali etholwe ubugebengu.
Imithetho efanelekile elawula nokujezisa ukusetshenziswa kwemali ngokungemthetho e-UAE yiFederal Decree-Law No. 20/2018 futhi ingezwe yi-Federal AML Regulations. E-UAE, njengakwezinye iziphathimandla eziningi, lokhu kuthathwa njengecala elibi kakhulu futhi kungaholela ezinhlawulisweni ezifana nokuboshwa kanye nokuhlawuliswa kakhulu lapho utholwa enecala. Lokhu okuthunyelwe kuhlose ukukusiza uqonde ukuthi yikuphi ukuntshontshwa kwemali, izindlela ezijwayelekile ezisetshenziswa yizigebengu, izimpendulo zemibuzo ebuzwa njalo mayelana nokusebenza kweHawala, nokuthi zilawulwa kanjani e-UAE.
Nazi Imibuzo Ebuzwa Ngokuphindaphindiwe Ngokwehluleka Kwemali ku-UAE:
Iyini injongo money laundering / Hawala?
Inhloso yokwehliswa kwemali ukuthola imali kalula, akukho ukujuluka futhi akukho msebenzi onzima odingekayo. Esikhundleni sokuhola imali ngendlela esemthethweni, umuntu angayijika lendaba futhi agweme ukusungulwa ngemali egeleza kalula futhi angakhokhi intela.
Ukwehliswa kwemali ngaphansi kwe-Article 2 yoMthetho we-Federal No. 20/2018 unikeza:
“1-Noma yimuphi umuntu, ophethe i-kManje funga ukuthi izimali ziyimali etholwe yicala elibi noma iphutha, futhi owenza ngamabomu lezi zenzo ezilandelayo, uzothathwa njengomenzi wobugebengu bokwehliswa kwemali:
Ukudlulisa noma ukuhambisa imali noma ukuqhuba noma yikuphi ukuthengiselana ngenhloso yokufihla noma yokufihla umthombo wabo ongekho emthethweni.
b-Ukufihla noma ukufihla ubunjalo beqiniso, umthombo noma indawo etholakele kanye nendlela ehilela ukwakheka kwabo, ukuhamba kwabo, ubunikazi babo noma amalungelo maqondana nemali etholakele.
c-Ukuthola, ukuphatha noma ukusebenzisa imali etholakele lapho usuyitholile.
d-Ukusiza umenzi wobubi becala ukubalekela ukujeziswa.
2-Ubugebengu bokwehliswa kwemali kubhekwa njengobugebengu obuzimele. Ukujeziswa komenzi wobubi ngecala lesandulelo akumele kuvimbele ukujeziswa kwakhe ngecala lokweqa imali ngokungemthetho.
3-Ukufakazela ukuthi imali etholwayo engekho emthethweni akumele kube yimfuneko yokugweba lowo owenze lelicala. ”
Ngamafuphi, ukushushumbisa imali kubandakanya inqubo yokuthola imali ngokungekho emthethweni ngendlela yokuthi uzuze ngokusemthethweni.
Ingabe amacala aphumelelayo ekubikezeleni ukuthulwa kwemali?
Ngokuvamile, umehluko ohilela izincazelo ungafingqwa kanje:
- Umehluko ebucayi becala uthathwa njengowenele ukucacisa icala lokwehliswa kwemali. Isibonelo, kuziphathimandla ezithile, kuyaqondakala ukuthi ukukhwabanisa kwemali kuyicala elingajeziswa unyaka owodwa noma eminingi yokuboshwa. Kwezinye iziphathimandla, isijeziso esiyimpoqo kungaba yiminyaka emithathu kuya kwemihlanu ejele; noma
- Isixazululo sinqunywa ngencazelo yecala elifakiwe ngaphakathi kwemithetho yokushushumbisa imali yegunya elikhethekile.
- Amanye amacala ezezimali kanye nokubalekela ukukhokha intela aphathwa yizo zonke iziphathimandla ezilawulwa kahle kakhulu emhlabeni njengezibi zamacala okukhwabanisa imali.
Impela kungani ukukhishwa kwemali kuvinjelwe e-UAE, Dubai, Abu Dhabi noSharjah?
Inhloso yokushushumbisa imali ukuzuza ebugebengwini. Isizathu sokwakhiwa kwecala ukuthi akulungile ukuthi abantu nezinhlangano basize abephula umthetho ukuthi bathole imihlomulo yenzuzo yesenzo esingekho emthethweni noma ukwenza lula ukwenziwa kwamacala anjalo ngokubanikeza izinsizakalo zezezimali.
Izinqubo zibanzi. Umuntu oyedwa noma ibhizinisi libhekene nokuthengiselana okuhlukahlukene, iningi lifaka imali engatholwanga ilondolo.
Ukwehlukaniswa kwemali e-UAE kubhekwa njengenqubo eyenzeka ngezigaba ezintathu ezihlukile.
- Isigaba senqubo esisetshenziswayo, lapho impahla 'ihlanzwa' futhi impahla nomthombo wayo kufihliwe.
- Ukuhlanganiswa, isigaba sokugcina, lapho impahla 'ehlanjululwe' ibuyiselwa emakethe esemthethweni.
- Iqiniso ukuthi izigaba ezibizwa njalo zivame ukugqagqana; kwesinye isikhathi (ngokwesibonelo, ezimweni zobugebengu bezezimali), asikho isidingo sokuthi inzuzo yobugebengu 'isethwe'.
Kungani Ukuhlukana Kwemali Kungekho Emthethweni?
Ngamagama alula, ukukhwabanisa kwemali kudinga ukuhanjiswa kwemali etholwe ngesenzo esingekho emthethweni iye emizileni “esemthethweni” yokufihla imithombo yayo engekho emthethweni. Ngokuhambisana nomthetho wezwe, ukukhwabanisa kwemali kwenzeka lapho othile ezama ukufihla noma ukufihla umthombo, indawo, ubunjalo, ukuphathwa noma ukuphathwa kwemali etholwe isenzo esingekho emthethweni.
Isizathu semali singabonakala sicacile: ukufihla umthombo wemali. Labo ababandakanyeka ezenzweni ezingekho emthethweni baba nolwazi ngokushesha ngokusebenzisa imikhombandlela engafanele mayelana nomthombo wemali noma ukufihla umholo wabo wangempela nengcebo. Ngokusobala, ukumaka lokhu njengokunikezwa kwemali engenayo kungahle kuholele ekuphenyweni okusheshayo kwezenzo zomuntu, kepha kunendlela yokuyigcina ngokusemthethweni uma umuntu enze imali!
Ukwehlukaniswa kwemali e-UAE kungahluka kusuka kuqonde ngqo kumasu ayinkimbinkimbi.
Izibonelo zifaka:
Ukwakhiwa kwesakhiwo: Ukwakha kuzoba ukuthatha imali encane bese uyifaka, bese uthenga izinsimbi zokuphatha, kufaka phakathi ama-oda emali.
Ukuthumisa: Ukushushumbisa imali kwelinye igunya, imvamisa eyangaphandle, bese uyifaka ebhange elingasolwandle elinokufihlwa okukhulu noma ukuphoqelelwa okuqinile kokukhishwa kwemali.
Izinkampani ezinamakhasimende: Inkampani evame ukubandakanyeka ekutholeni ukheshi isebenzisa ama-akhawunti ayo ukufaka imali etholwe ngobugebengu nangokomthetho, iyigcina yonke njengenzuzo efanelekile. Ngakho-ke, inkampani ayinazo izindleko eziguqukayo, ngakho-ke kunzima ukuthola ukungafani kwentengo yokuthengisa. Izibonelo amakhasino okupaka, amakilabhu okhumula, imibhede yokushuka, noma izakhiwo.
Ukukhishwa kwe-Commerce-esungulwe: Ngaphansi kwe-invoice noma ngaphezulu kwe-invoyisi ukuguqula ukuhamba kwemali.
Amabhizinisi we-Shell namathemba: Amabhizinisi weShell namatrasti kufihla umnikazi wangempela wemali. Izimoto zebhizinisi kanye nama-trust, maqondana negunya, akudingeki ziveze abanikazi bazo beqiniso.
Ukubanjwa kweBhange: Abathengi noma abaqashi bemali bathenga intshisekelo yokulawula esikhungweni sezezimali, ngokuvamile esigunyazweni sangaphandle ngokulawulwa kwemali okusohlwayo, nokudlulisela imali ebhange ngaphandle kokuhlolwa.
Amakhasino: Umuntu othenga amaprosesa bese ehamba ngqo ekhasino enemali, edlala isikhathi esithile, bese ephonsa ku-chips, efuna ukukhokha. Umshwalense wemali wabe esebeka isheke kwi-akhawunti yasebhange, egcina njengemali yokudlala.
Ukuthengisa izindlu: Izakhiwo zingathengwa ngumuntu osebenzisa inzuzo engekho emthethweni; umuntu bese ethengisa indlu. Inzuzo evela ekuthengiseni kwakho ibheka kubantu bangaphandle njengemali engenayo evumelekile. Esikhundleni salokho, izindleko zempahla zikhohlisiwe; umthengisi uyavumelana nenkontileka yakho emelela ukubaluleka kwendlu, bese ethola inzuzo yobugebengu yokwenza lo mehluko.
Iyini ukujeziswa kweMali Yokuhlukana Kwezimali ku-UAE?
Ukuthunyelwa kwemali ku-UAE kuyisenzo sobugebengu ngenxa yokubaluleka kwayo emhlabeni jikelele; yinhlanganisela yomthetho wamazwe omhlaba kanye nowezwe. Izinhlawulo zingawela ezigabeni ezine ezibanzi:
- Ubugebengu;
- Ukulawulwa;
- Ukuqashwa; futhi
- Isibopho Somphakathi
Kuwukwephula okukhulu kabi lokho umuntu wemvelo angabhekana nakho, phakathi kwezinye izinto, inhlawulo noma ukuboshwa. Uma kwenzeka wena noma umuntu omaziyo esolwa ngokukhwabanisa imali, udinga ukufuna abameli bezomthetho ngokushesha. Ngokuqasha ummeli, uzobekwa endaweni efanelekile ukunciphisa imiphumela yanoma iziphi unswinyo zobugebengu noma ukulwa nalezi zinsolo.
Ezinye izinhlawulo zemali ngaphansi kwe-AML zimi kanje:
- Ngokuvamile, izijeziso eziningi ziyinkimbinkimbi kunokuba ngaphansi koMthetho Wase-AML Wasekuqaleni.
- Inhlawulo Yokuphatha ngaphansi kwe-Article 14 ye-Federal Decree-Law No. 20/2018, ye-50,000 kuya ku-5 million AED nokuvinjelwa emisebenzini yebhizinisi, imikhawulo yokubusa, ukuboshwa nokukhanselwa kwamalayisense.
- Izinhlawulo Zobugebengu eziyizigidi eziyi-100,000 kuya kwezi-5 ze-AED nokuvalelwa ejele kuze kube yiminyaka eyishumi.
- Ukwehluleka ukubika ukuThutha kokuThutha kuzokwaziswa ngokuboshwa noma ukukhokhelwa phakathi kuka-300,000 AED no-50,000 AED.
- Ukuthatha umuntu obuza ngeSuspect Transaction kuzojeziswa ngokuboshwa kuze kube unyaka noma inhlawulo ephakathi kuka-100,000 AED no-10,000 AED.
- Ukuphulwa kwezidingo ze-Airport Resolutions kuzokwaziswa ngehlawulo noma ukuboshwa.
- Ngokungafani noMthetho Wase-AML Wasendulo, uMthetho omusha we-AML ulawula iMali Yezinhlangano Ezingekho Emthethweni, Imali Yobuphekula noma ukuthunjwa kwenzuzo yokukhishwa kwemali.
Ngaphezu kwalokho, i-AML ihlinzeka ukuthi inani elitholwe ngokungemthetho ekusetshenzisweni kwemali ngokungemthetho liyinto ethinta inhlawulo yecala.
The Umthetho omusha we-AML inezijeziso ezinzima kakhulu ngenhloso yokulwa nokukhishwa kwemali e-UAE.
Ngaphezu kwalokho, umthetho ukhuluma ngokuxhaswa ngezimali kwezinhlangano ezingekho emthethweni, okuthatha igxathu eliya phambili, njengoba ukukhwabaniswa kwemali kuvamise ukuxhumaniswa neFunding of Terrorism noma Izinhlangano ezingekho Emthethweni kanye neFinancing of Terrorism under Federal Law No. 7/2014.
Isinyathelo somthethosisekelo we-UAE siphakamisa ukuthi ubugebengu bezezimali ngeke bubekezeleleke yi-UAE nokucindezeleka ukuthi i-UAE ayifuni ukubhekwa njengendawo ephephile yabenzi bokulimaza imali.
1 ngicabange ngemibuzo ebuzwa njalo maqondana nokushushumbisa imali noma iHawala e-UAE: Ngabe Ngizobhekana Nezinyathelo Zokujeziswa? ”
Umyeni wami usemiswe e-Dubai Airport ethi imali yokukhwabanisa wayehamba ngemali eningi ayithatha ebhange lase-UK wazama ukungithumela kimi kodwa izinhlelo lapho phansi ebhange futhi akakwazanga ukwenza lokhu futhi yonke imali anayo ikhona naye.
Indodakazi yakhe isanda kusebenza futhi izokhishwa esibhedlela e-UK futhi ngeke ibe khona lapho eya khona kuyinyaka engu-13.
Isikhulu esikhumulweni sezindiza sithi sidinga ukukhokha imali engama-5000Dollars kodwa izikhulu ziyithathile yonke imali yayo.
Ngicela umyeni wami abe ngumndeni othembekile othanda ukuza ekhaya futhi alethe indodakazi yakhe lapha eNingizimu Afrika
Senzani manje noma yikuphi uma iseluleko sizosiza
Ngiyabonga
Colleen Lawson
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