President Akufo-Addo has given his approval to the Ghana National Anti-Money Laundering Law and Countering the Financing of Terrorism (AML/CFL) Policy and action plan.
This was contained a letter signed by Secretary to President Nana Bediatuo Asante, replying a request from the minister of finance Ken Ofori-Atta for the documents to given the executive approval. The letter was captured in a policy document that was released officially by the Financial Intelligence Center FIC.
President Akufo-Addo by the executive approval has also directed the finance minister Ken Ofori- Atta, to establish a Technical Implementation Committee.
This would be made up of a dedicated staff of experts from all relevant agencies, tasked with monitoring the successful implementation of the National AML/CFT Policy and Action Plan. The National Anti-Money Laundering and Countering the Financing of Terrorism and Proliferation Policy would regulator these sectors from 2019 to 2022.
What is the AML/CFT policy?
The main aim of the policy is to engage and coordinate all relevant agencies across the entirety of government in order to combat Money Laundering (ML), Terrorism Financing (TF) and the Proliferation of weapons of mass destruction (P).
This effort is coordinated by the Inter-Ministerial Committee (IMC) for Anti-Money Laundering and Countering the Financing of Terrorism (AML/CFT) chaired by the Minister of Finance.
It is aimed to detect, deter and vigorously investigate and prosecute ML/TF&P related offences, associated predicate offences; and to protect the integrity of Ghana’s financial system from illicit financial activity and corruption.
Ghana’s current AML/CFT efforts are both aspirational with respect to the nation’s economic and security goals as well as responsive to the risks identified during the National Risk Assessment and the findings of the Second Round of AML/CFT Mutual Evaluation exercise as reflected in the ICRG action plan.
These efforts are focused on improving our comprehensive legal and regulatory framework; strengthening our institutional capacity through increased resourcing and training, enhanced international cooperation with other jurisdictions; a mature and pervasive culture of compliance; effective monitoring of the measures implemented; and decisive law enforcement actions against ML/TF&P threats.
Finance Minister Ken Ofori Atta on the AML/CFT Policy
According to Finance Minister, Ken Ofori Atta government at the highest level is fully committed to implementing the National AML/CFT Policy and Action Plan.
He added that “Ghana will continue to play its required role in the global fight against illicit financial flows, terrorism financing, and the financing of the proliferation of weapons of mass destruction”.
He maintains that government will also continue to collaborate with the FATF, GIABA and other development partners in its efforts to address the deficiencies and risks identified in the country’s AML/CFT regime.
Impact on the economy
The development could convince development partners and investors that the necessary structures are laws are in place to deal with money laundering and terrorism financing. This could influence positively, Foreign Direct Investment and even donor support.
Details of the AML/CEF policy
According to the government, the development and publication of the National AML/CFT Policy (2019-2022) is a major step forward in Ghana’s fight against ML/TF&P.
The Policy is based on the findings of the NRA and is meant to address the major structural vulnerabilities and strategic deficiencies within Ghana’s AML/CFT regime.
The NRA identified the lack of statistics on ML/TF & P, low level of ML/TF investigations, prosecutions, convictions, asset recovery and the ineffective supervision of Designated Non-Financial Businesses and Professions (DNFBPs), among others.
The National AML/CFT Policy is grounded on six (6) key thematic areas (goals) which would be implemented over a period of four years (2019-2022).
Ghana is committed to ensuring adequate resources (including financial, technical and logistical) are devoted towards the implementation of this Policy so as to protect the economy from the scourge of money laundering, terrorist financing and transnational organized crimes, and enhance national and global economic stability and growth.
Principles guiding the policy
The National AML/CFT Policy and Action Plan is driven by the following strategic principles:
● Aggressively implement all international standards, relating to combating Money Laundering and the Financing of Terrorism and Proliferation set by the Financial Action Task Force and United Nations Security Council Resolutions including targeted financial sanctions addressing terrorism and proliferation of weapons of mass destruction.
● Optimize and integrate inter-agency AML/CFT policy and operational coordination and cooperation through the deployment of technology and formal processes and mechanisms.
● proactively assist and engage with other jurisdictions through formal and informal channels in initiating, supporting and responding to AML/CFT inquiries and investigations
● Deploy the Supervisory and Regulatory Authorities, the Financial Intelligence Centre, Law Enforcement Agencies and the Judiciary to address financial crime and corruption in accordance with identified risks.
● Implement a preventive regulatory program across all sectors including the DNFBP sector that employs strong licensing, robust reporting requirements, strict AML/CFT regulations, and risk-based supervision.
● Develop and deliver a program of education for private sector stakeholders and partnership with civil society to enhance understanding of ML/TF risks and promote a culture of compliance.
● Enhance the capacity of LEAs in the Investigation, Prosecution and increased conviction of ML/TF&P cases.
 Policy and action plan. ){kind=link}
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L’UFCM a constaté depuis quelques mois l’accroissement des tromperies à la « roqya ». Les témoignages de personnes victimes de ces pratiques se multiplient et présentent les mêmes caractéristiques : « Une personne vous appelle et vous propose une séance de « roqya » gratuite. Cette personne vous propose de rappeler un numéro prétendu gratuit, souvent un numéro commençant par 0 800… » Mais, dans les faits, cette prestation est loin d’être gratuite, puisque la conversation est facturée à vos frais et à votre insu. Au-delà de l’aspect juridique qui est traité à ce jour par le pôle juridique de l’UFCM[1], ce procédé soulève la problématique de sa conformité au Coran et à la Sunna. En effet, la « roqya » peut se définir comme une thérapie qui permet de soigner les actes de sorcellerie, de mauvais œil et également de se protéger contre ces derniers. Par conséquent, est-il possible de la pratiquer par téléphone et quelles sont les exigences édictées par le Coran et la Sunna ? Nous présenterons ainsi successivement les conditions liées au soignant (I), les exigences relatives à l’environnement où est réalisée la « roqya » (II). Nous aborderons ensuite la question de la gratuité de la prestation ou de sa contrepartie financière et enfin les conditions dans laquelle elle est réalisée (III). I- Les conditions liées au soignant Souvent la « roqya » est perçue comme une pratique dispensée par un tiers. Or, il est essentiel de rappeler et de souligner un fait important : la meilleure des « roqya » est celle que nous dispensons nous-mêmes à travers le « dhikr » et la récitation du Coran. Ainsi, pour se prémunir des maux liés au mauvais œil ou à la sorcellerie, il convient régulièrement de lire le Coran et faire des invocations notamment celles du matin et du coucher, de réciter régulièrement la sourate « La vache », de renouveler son intention, de placer la certitude dans son cœur, d’effectuer ses prières etc., et surtout de demander à Allah la meilleure des protections. Toutefois, dans certaines conditions, il est nécessaire de recourir à un soignant. C’est à ce stade qu’il convient d’être vigilant. Il ne suffit pas de se rendre auprès d’une personne qui se présente avec la qualité de cheikh ou d’imam pour accepter de lui confier cette pratique. Comme pour tout procédé et encore plus lorsque cela relève de considérations religieuses, il est important de bien choisir son soignant car ce dernier est tenu de posséder des qualités bien affirmées. La maîtrise du Coran et des traditions prophétiques en la matière est une condition sine qua none, mais insuffisante. La personne doit également avoir des notions de psychologie afin de déterminer la part de sorcellerie et celle de troubles psychologiques fréquents chez les patients. La personne doit posséder une bonne hygiène de vie, notamment spirituelle puisqu’il n’est pas inutile de rappeler que le succès de la « roqya » dépend de Dieu. Ces critères sont difficilement évaluables, surtout par une personne qui est affectée par un mal-être, quelle que soit sa source. C’est pourquoi les proches doivent accompagner la personne dans la recherche d’un soignant qualifié et reconnu comme tel par des référents religieux de la localité (imam, responsables associatifs, etc.). De manière générale, le soignant doit posséder des qualités déterminées que nous pouvons synthétiser de la manière suivante. Il doit : être en capacité de lire le Coran, croire avec certitude au Coran, être empreint de piété, connaître les pièges et les caractéristiques du diable et des djinns, connaître la méthode prophétique de la « roqya », disposer de connaissances de base en psychologie, avoir la conviction que le succès de sa thérapie dépend de Dieu. A l’exception de la première exigence, il semble difficile de vérifier les autres conditions dans le cadre d’un entretien téléphonique avec une personne que nous n’avons jamais rencontrée, même si elle se présente sous le titre de « cheikh » ou d’un imam. Par conséquent, ces conditions soulignent une première limite quant au recours à la « roqya » par téléphone. Par ailleurs, à l’instar de tout médecin, le soignant doit, avant de prodiguer des conseils ou une médication, procéder à une consultation. Ainsi, un environnement adéquat est indispensable pour la réalisation d’une « roqya ». Il est enfin inconcevable qu’un médecin puisse vous affirmer par téléphone connaître votre maladie et attester pouvoir vous guérir. Vous auriez plus que des doutes sur ce prétendu médecin. II- Un environnement propice et la réalisation d’une consultation préalable à la réalisation d’une « roqya » Il est intéressant de noter que, dans son ouvrage « Comment se protéger des djinns & satan », Wahîd ‘Abdussalâm Bâli évoque l’importance du climat pour réaliser une roqya[2]. Ainsi, il expose les points suivants : « 1. Préparer le climat adéquat en faisant par exemple sortir les images et les statues de la pièce où on va soigner le malade, pour permettre aux anges d’y entrer. 2. Débarrasser le sujet de tout ce qu’il peut porter sur lui comme talismans ou amulettes et les brûler. 3. Éteindre tout ce qui peut émettre le son de la musique et des chants. 4. Vider le lieu de tout ce qui comporte une infraction à la shari‘a à savoir, par exemple, la présence d’un homme qui porte de l’or ou une femme qui ne porte pas le voile légal – al-hijab. 5. Donner au malade et à sa famille une leçon de dogme de façon à ce que leurs cœurs ne soient pas attachés à un autre qu’Allah. 6. Leur faire savoir que la façon de soigner est différente de celle des sorciers et des charlatans et que le Coran recèle guérison et miséricorde, comme l’a informé Allah le Puissant et le Majestueux. 7. Diagnostiquer son cas : pour cela poser des questions au malade pour s’assurer de la présence de tous les symptômes (…) ». Or, dans les témoignages communiqués, l’interlocuteur qui se présente comme soignant ne pose aucune question aux personnes. Il débute ainsi la « roqya » directement par une récitation du Coran. En outre, il est intéressant de souligner que dans l’un des témoignages communiqués à l’UFCM, l’interlocuteur demandait à la personne de remplir successivement des verres de lait, d’huile, d’eau etc. et de les poser par la suite sur la table de la salle à manger. Au point que la personne s’est retrouvée avec une multitude de verres posés sur la table. Le comble est que la personne ignorait ce qu’elle devait en faire lorsqu’elle a pris conscience de la tromperie. Nous constatons par conséquent qu’une « roqya » ne peut être réalisée dans un environnement quelconque. En effet, une procédure de diagnostic est essentielle. Nous pouvons à titre d’exemple faire le parallèle avec un rendez-vous chez le médecin ; ce dernier ne peut vous prescrire une ordonnance sans au préalable vous avoir ausculté et interrogé sur les différents symptômes que vous ressentez physiquement. A défaut, au lieu de guérir vous allez aggraver vos maux. Cette attitude vigilante du médecin traitant doit se retrouver lorsque nous envisageons le recours à une « roqya ». Pour illustrer ce propos, nous citerons l’exemple de l’anthropologue, spécialiste de l’islam européen, Farid El Asri, chercheur associé au Centre Jacques Berque, qui nous rapporte une situation alarmante suite à une « roqya » : « Une jeune femme en Belgique (…) est morte suite à une tentative d’exorcisme. Pendant les séances, les fkihs (imams) utilisent normalement de l’eau « coranisée ». Pour cette jeune femme, prétendument stérile, les exorcistes ont carrément plongé son visage dans l’eau et quand elle tentait d’en sortir pour respirer, les guérisseurs estimaient qu’il s’agissait du jinn qui l’habitait et ils replongeaient son visage dans l’eau. Pendant le procès, la famille de la défunte s’est présentée comme musulmane et a accusé ces pratiques d’être extérieures à l’islam quand les guérisseurs estimaient qu’ils avaient simplement fait ce qu’ils pouvaient. 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Malheureusement, tous les témoignages transmis à l’UFCM soulignent que l’interlocuteur insiste à plusieurs reprises sur la gratuité de la prestation. Or, dans les faits, cette dernière est payante puisque le coût de la communication est surtaxé. Ainsi, l’une des victimes qui nous a contacté, s’est retrouvée avec une facture téléphonique (hors forfait) de 1800 euros. Par conséquent, nous constatons que ces « roqyas » gratuites sont fondées sur la technique dite du « call-back » qui consiste à amener une personne à rappeler un numéro surtaxé, information qui lui est bien évidemment dissimulée. Une « roqya » peut être payante à condition de respecter un cadre prédéterminé, fondé sur l’information et la transparence des honoraires. 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Par ailleurs, comme l’ensemble des rites islamiques (hajj, halal, pompes funèbres) censés nous rappeler les limites qui déterminent la voie vers Dieu, nous constatons que leur marchandisation trahit de plus en plus leur vocation première. Suffit-il qu’un interlocuteur se présente à nous comme un « cheikh » ou un imam et qu’il nous propose une « roqya » gratuite pour l’accepter aussitôt Ne devrions-nous pas tous nous interroger sur le fait qu’il y ait des musulmanes et des musulmans aussi isolés et aussi ignorants de leur propre religion pour être trompés aussi facilement ? Sommes-nous devenus si dépendants des Hommes que nous en oublions de nous adresser directement à Dieu pour solutionner nos malaises ? Autant de questions que chacun d’entre nous a la responsabilité de se poser. En effet, aucun de nous ou de nos proches ne sont à l’abri d’une telle tromperie. Il convient enfin de rappeler que la « roqya » est un remède précis et qu’elle ne peut se faire que sous certaines conditions et surtout qu’elle demeure l’exception à la règle, qui est de toujours s’adresser directement à Dieu. Avant de recourir à une « roqya », il convient de faire une introspection sur ses propres pratiques cultuelles et de revenir.
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