I-SEC Ibeka U-Ernest Ossei Boateng Amacala Ngesikimu SikaPonzi Esisolwayo Esibiza U-$16 Million

Okushintshile

I-SEC ithi ibeke u-Ernest Ossei Boateng nezinkampani zakhe ezimbili zaseNew Jersey, i-Intercontinental Wealth Network LLC kanye ne-I Wealth Network LP, amacala ngesikimu sikaPonzi okusolwa ukuthi saqoqa cishe u-$16 million kubatshalizimali abangaphezu kuka-200 kusukela okungenani ngoJanuwari 2020 kuya okungenani ngoMashi 2026. Le nhlangano isola ukuthi imali engaphezu kuka-$5.8 million yasetshenziselwa izindleko zikaBoateng, kanti cishe u-$6.6 million yasetshenziselwa ukukhokhela abatshalizimali bangaphambilini; la macala amenyezelwa ngoSepthemba 10, 2026, embikweni we-SEC. Lezi kuseyizinsolo, hhayi izinqumo zokwahlulela zokugcina.

Kungani Lokhu Kubalulekile

Okubaluleke kakhulu akusona nje isamba semali ngamadola. Yindlela okusolwa ukuthi leli thuba lathengiswa ngayo: izinzuzo ezimisiwe neziqinisekisiwe ezivela esikhwameni okuthiwa sinobungozi obuphansi, esasimakethwa ikakhulu kumaKristu anozalo lwaseGhana eNew York naseNew Jersey, abaningi babo bengenalo ulwazi lwangaphambilini lokutshala imali.

Le nhlanganisela ingenza ukubuyiselwa kwemali kube nzima futhi yenze ukuqinisekiswa kolwazi kuphuthume. Uma imali yaphambukiselwa ekusetshenzisweni komuntu siqu noma yasetshenziselwa ukukhokhela abatshalizimali bangaphambilini, kungase kube nemali encane etholakalayo yokukhokhela izimangalo zakamuva. Umbuzo osebenzayo manje uwukuthi abatshalizimali abathintekile bangakwazi yini ukuthola amarekhodi, baqonde inqubo yokubuyiselwa kwemali futhi bahlukanise lezi zinkampani ezibekwe amacala nezinkampani zezimali ezisemthethweni.

Umbono wethu (ukuqagela okunolwazi) uthi la macala azoqala ngokuthinta ukwethenjwa nendlela okuhlolwa ngayo amathuba okutshala imali asekelwe emiphakathini. Uma icala lihlala ligxile kwabamangalelwa abathathu abaqanjwe, uhlelo lwezezimali olubanzi lungase lungashintshi kakhulu. Kodwa abagqugquzeli abasebenzisa iziqinisekiso ezifanayo noma ulimi oluthi “ubungozi obuphansi” bangase babhekane nemibuzo eminingi, ukwamukelwa kwamakhasimende amasha okuhamba kancane kanye nezindleko eziphezulu zokuhlinzeka ngemibhalo emasontweni azayo.

Indlela imithelela engasabalala ngayo

Isakhiwo okusolwa ngaso sakha uchungechunge olucacile:

• Abatshalizimali bangase bafune amarekhodi ama-akhawunti, usizo lwezomthetho nolwazi mayelana nokusatshalaliswa kwemali okungenzeka.
• Abagqugquzeli abasebenzela imiphakathi efanayo bangase kudingeke bachaze ukubhaliswa, ukugcinwa kwezimali, ukudalulwa kolwazi kanye nendlela okwenziwa ngayo izinzuzo.
• Izikhungo zezezimali zingase zithole imibiko eminingi yokukhwabanisa futhi zichithe isikhathi esengeziwe zihlola izimangalo zenzuzo ezethulwa ngokuzethemba okweqile.

Lolu chungechunge luncike ekutheni izinsolo zizohlala zikhawulelwe kuleli cala yini nokuthi amabhizinisi afanayo asebenzisa izithembiso ezifanayo ngempela yini. Izilawuli ezicacile zokugcinwa kwezimali nokudalulwa kolwazi zinganciphisa umonakalo. Uma kungenjalo, ukusola kungase kusabalale kusuka ezinkampanini ezibekwe amacala kuye kubeluleki abasemthethweni abathembele ekwethenjweni komphakathi ukuze bafinyelele kubatshalizimali abangenalo ulwazi.

Ukuhlolwa komthelela

Abatshalizimali abathintekile yibo abalahlekelwa ngokushesha uma izinsolo ze-SEC ziqinisekiswa. Ukuphambukiswa okusolwa kwemali engaphezu kuka-$5.8 million kanye nezinkokhelo ezisolwa ngokufana nezohlelo lukaPonzi ezingaba ngu-$6.6 million kunganciphisa imali engase itholakale yokubuyiselwa futhi kwandise ukubaluleka kokuphathwa kwezimangalo.

Abagqugquzeli bokutshala imali abasekelwe emiphakathini babhekene nomphumela oxubile. Ukuhlolwa okuqinile kungase kwenze kube nzima futhi kubize kakhulu ukuthola amakhasimende amasha, kodwa izinkampani ezingabhala phansi futhi zifakazele izilawuli zazo zingathola inzuzo kunabancintisana nabo abangacacile. Ushintsho ngeke lugxile kakhulu ezinzuzweni ezikhangiswa kakhulu, kodwa ekutheni umgqugquzeli angakhombisa yini ukuthi imali igcinwa kuphi nokuthi ukusebenza kukalwa kanjani.

Amaqembu avikela abatshalizimali ngabanye ezikhungweni zezezimali nawo angase abe nomsebenzi omningi. Angase asebenzise imali eyengeziwe ekuhloleni ukukhwabanisa nasekufundiseni abantu, kuyilapho ethola iphethini ecace kakhulu yokuxwayisa: izinzuzo eziqinisekisiwe ezihambisana nezimangalo zobungozi obuncane. Lokhu akufakazeli ukuthi ezinye izinkampani zenze okungalungile, kodwa kushintsha imibuzo izikhungo okungenzeka ziyibuze.

Izimo ezingase zenzeke

Okungenzeka kakhulu

Uma icala liqhubeka ngaphandle kobufakazi bokuthi kunesenzo esibanzi sokuphoqelela umthetho, abatshalizimali abathintekile nabalamuli bazogxila kumarekhodi, olwazini lokubuyiselwa kwemali nasekuqinisekiseni amathuba ezinzuzo eziqinisekisiwe emasontweni ambalwa kuya ezinyangeni ezingu-12 ezizayo. Ushintsho olusebenzayo kuzoba ukuhlolwa okuqinile kwabaphathi bezikhwama, kwezinhlelo zokugcinwa kwezimali kanye nokudalulwa kobungozi, kuyilapho imithelela eqondile yezezimali igxile ezinkampanini ezibekwe amacala.

Le ndlela izoqiniswa yizicelo zabatshalizimali zamarekhodi, imibuzo eyengeziwe evela kubalamuli bezezimali kanye neminye imibhalo egxile ekulahlekelweni okusolwayo. Izoba buthaka uma iziphathimandla zithola inethiwekhi ebanzi noma uma icala lichithwa noma linciphiswa kakhulu.

Umphumela omuhle

Uma abalawuli, abalamuli kanye nemiphakathi ethintekayo beguqula le ndlela okusolwa ngayo ibe yimfundo nezinyathelo zokuqinisekisa ezingasetshenziswa, abatshalizimali bangase baqondise imali emikhiqizweni enokudalulwa kolwazi okucacile kanye nokugcinwa kwezimali okulawulwayo ezinyangeni ezingu-6 kuya kweziyi-12 ezizayo. Abagqugquzeli bazoba nesizathu sokushintsha izithembiso ezibanzi bafake ulwazi olubhaliwe ngobungozi namarekhodi angahlolwa ngokuzimela.

Lowo mphumela uncike ezixwayisweni abantu abangazisebenzisa ngempela. Uzosekelwa yizinqubo eziqinile zokwamukela amakhasimende amasha kanye nemfundo ebhekana ngqo nezimangalo zezinzuzo eziqinisekisiwe nezobungozi obuphansi.

Umphumela omubi

Uma ukubuyiselwa kwemali kuhamba kancane futhi abatshalizimali bengakwazi ukuthola amarekhodi acacile, ukungathembani kungase kusabalale kudlule izinkampani ezintathu ezibekwe amacala ezinyangeni ezingu-6 kuya kweziyi-12 ezizayo. Abeluleki abasemthethweni bangase babone ukwamukelwa kwamakhasimende amasha noma ukuhoxiswa kwemali kubambezeleka, kuyilapho abagqugquzeli abangakaqinisekiswa bengase baphinde basebenzise ulimi lwezinzuzo eziphezulu ngokusebenzisa ukudideka.

Lokhu kuba nokwenzeka kakhulu uma abatshalizimali behluleka ukuqonda izinqubo zokubuyiselwa kwemali futhi kungaveli ezinye izindlela zokuqinisekisa ezifinyeleleka kalula. Ukuhlonzwa ngokushesha kwempahla, izinyathelo ezicacile zokubuyiselwa kwemali noma ukuhlolwa okuqinile kwabalamuli abalawulwayo kunganciphisa lokho kusabalala.

Okulandelayo okufanele kubhekwe

• Imibhalo ye-SEC noma yenkantolo ekhomba ukuvinjelwa kwempahla, ukuqokwa komphathi ozimele, izinqubo zokubuyiselwa kwemali noma olunye usizo lwabatshalizimali.
• Imibhalo ebiza ezinye izinhlangano, abagqugquzeli noma amaqembu abatshalizimali axhumene nesikimu okusolwa ngaso.
• Izinguquko ekudalulweni kolwazi noma ezinqubweni zokwamukela amakhasimende amasha ezinkampanini zokutshala imali ezisekelwe emiphakathini, ikakhulukazi mayelana nezinzuzo eziqinisekisiwe, ubungozi nokugcinwa kwezimali.