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Menerima Deposit Secara Haram a.k.a. Receiving Deposits Illegally


Salam everyone, today is going  to be another bilingual post but instead of alternating between paragraphs I will put the BM version at the bottom ok.

Today’s post is about receiving illegal deposits or more accurately receiving deposits illegally. In Malaysia right now, there are so many scammers out there trying to get you to part with your hard earned money. There’s always a case being reported in the news. One of the terms that you would likely hear or read about is receiving of illegal deposits. What exactly is it?

Some people may be confused by the term, thinking that any businesses that asks for money upfront is receiving illegal deposits. Its a bit more complicated than that. Receiving illegal deposits is an offense according to the Banking and  Financial Institutions Act 1989 (BAFIA), the act that regulates all banking business in Malaysia.

In the legal point of view receiving deposits illegally, means that you are acting in a manner of a bank,  receiving deposits with an intention that the deposit would be returned to the depositor on demand or an agreed date with or without interest or at a premium or discount. If a person does something in this manner he is carrying out a banking business and according to the BAFIA, banking business can only be done by banks and financial institutions that are licensed. Anyone else doing the same without a license is guilty of an offence under section 4 of the Act read together with section 103. It carries a maximum penalty of 10 years imprisonment, RM 10 million fine plus a daily fine of RM100,000 for everyday the offence is being continued. Pretty hefty sum huh?

You must be wondering then whether borrowing or lending money is considered receiving deposits illegally? This is not the case as there is the Moneylenders Act 1951(Revised 1989) that regulates the borrowing and lending of money. But this issue is a different matter altogether and will be discussed in a later post😉

Post hari ini adalah berkenaan menerima deposit secara haram. Di Malaysia sekarang ada macam-macam penipu yang nak dapatkan duit yang kita susah-susah cari. Macam-macam kes kita dengar kat TV dan suratkhabar. Salah satu perkara yang kita sering dengar adalah penerimaan deposit secara haram. Apa benda tu sebenarnya?

Sesetengah orang terkeliru dengan konsep menerima deposit secara haram. Ada tanggapan bahawa apabila kita diminta membayar duit pendahuluan itu dikira sebagai menerima deposit secara haram. Kebenarannya adalah lebih kompleks dari itu. Kesalahan menerima deposit secara haram diterangkan dalam Akta Perbankan dan Institusi Kewangan 1989, akta yang mengawal perniagaan perbankan di negara kita ini.

Dari sudut undang-undang menerima deposit secara haram adalah apabila seseorang itu bertindak seperti bank, iaitu menerima deposit dengan janji akan pulangkan deposit itu di atas permintaan pemberi deposit atau masa yang ditentukan, dengan atau tanpa bunga atau dengan premium atau diskaun. Perkara sebegini boleh dianggap sebagai perniagaan perbankan dan menurut Akta hanya bank dan institusi kewangan yang berlesen sahaja boleh menjalankan perniagaan perbankan. Sesiapa yang didapati menjalankan perniagaan perbankan tanpa lesen boleh sabit kesalahan di bawah seksyen 4 dan dibaca bersama seksyen 103 Akta tersebut. Kesalahan ini membawa hukuman maksima 10 tahun penjara, denda RM 10 juta dan denda harian sebanyak RM100,000 bagi tiap hari kesalahan itu dilanjutkan.

Kamu semua mesti terfikir bahawa adakah memberi dan meminjam wang dianggap sebagai menerima deposit secara haram? Tidak, kerana memberi dan meminjam wang tertakluk kepda aktanya sendiri iaitu Akta Pemberi Pinjam Wang 1951(Revised 1989). Tapi itu topik lain untuk hari kemudian😉

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