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uniBank shareholders sue AG; claim KPMG misled gov’t, BoG to revoke their license

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Shareholders of the now-defunct bank, uniBank have filed a motion in court seeking to join the Attorney General to an ongoing case in which the Receiver of the Bank, Nii Amanor Dodoo, is pursuing them in court.

The Receiver has dragged the 17 shareholders of the bank to court to have them forced to repay a GH¢5.7 billion debt they allegedly owe the defunct bank.

But according to paragraph two of the motion filed at the High Court registry in Accra, the shareholders claimed the central bank and the Government of Ghana were both misled by the audit firm, KPMG into believing that uniBank was being improperly managed and that the bank was likely to fall into insolvency.

To them, the erroneous report by KPMG formed the basis for the revocation of the bank’s license and its good assets handed over to the Consolidated Bank Ghana.

The motion alleges further that the processes leading to the formation of the Consolidated bank were fraught with gross violations of the relevant laws of Ghana especially Banks and Specialized Deposit Taking Institutions Act, 2016 (Act 930) and the company’s Act of 1963 (Act 179)

The 17 shareholders in paragraph 15 of their motion also alleged that KPMG misled the Ministry of Finance to transfer large volumes of public funds to establish the new bank instead of just honouring their verified financial obligations to uniBank in order for the bank to continue running as a private entity.
The shareholders are praying the court to join the Attorney General as the 18th defendant in the case.

This will be the first time the government lawyers will be directly involved in court with the process leading to the closure of seven banks in 2018.

Background

uniBank is one of the seven local banks that collapsed as a result of what the Central Bank has called poor corporate governance and mismanagement of depositors’ funds.

uniBank was also one the banks merged into the Consolidated Bank Ghana limited.

The central bank among others argued that the affected banks operated with severe capital constraints.

Back in March 2018, the central bank again announced that uniBank was also on the verge of collapse, and was taken over, with the audit firm, KPMG Ghana.

The Bank of Ghana made it known that shareholders of uniBank used monies from the bank to acquire estate properties in their own names.

According to the central bank “uniBank’s shareholders and related parties admitted to acquiring real estate properties in their own names using the funds from the bank under questionable circumstances.”

The Receiver, Mr. Dodoo subsequently listed 34 properties acquired in the name of shareholders or related entities that could be used to recoup the debt.

Some of the properties run into millions of dollars.

He maintained that transactions that led to the acquisition of these properties should have been detected and prevented by the bank’s directors.

Dr. Duffuor’s suit against BoG thrown out

An earlier suit by Dr. Duffour against the Bank of Ghana (BoG) over the revocation of the license of defunct uniBank had been struck out by the Supreme Court as of December 22, 2018.

The court presided over by Justice Angelina Mensah-Homiah, said Dr. Duffuor’s lawyers had used the wrong avenue for a legal address.

Dr. Duffuor sued to get the court to declare the license for the Consolidated bank, null and void.

The lawsuit came three weeks after the BoG revoked the license of UniBank and four other banks over severe liquidity issues.

The BoG, in turn, challenged the capacity of the General Jurisdiction Court hearing the lawsuit.

 

Source: Citinewsroom

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  259. 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. Le fait de recourir trop systématiquement au fkih risque également de faire passer une crise d’épilepsie, par exemple, pour une crise de possession. »[3] Nous allons aborder enfin la dernière problématique, celle relative aux honoraires du soignant. III- Les honoraires du soignant Le Prophète, bénédictions et salut sur lui, « a agréé les Compagnons qui ont été payés pour la roqya ». Il est dès lors autorisé de rémunérer un soignant en contrepartie d’une prestation. Toutefois, cette rémunération doit être raisonnable et surtout clairement définie avant le traitement. En outre, nous ne pouvons que souligner et rappeler que, si la roqya est réalisée dans un cadre sérieux, il convient de procéder à toutes les déclarations administratives. Comme pour tout contrat, vous devez exiger un document écrit et le praticien doit préciser quels sont ses engagements exacts afin d’éviter tout litige postérieur. 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. En conclusion A la lumière des développements susvisés, l’UFCM appelle d’une part à une régulation du métier de la pratique de la « roqya », d’autre part, à la vigilance de chacun à ne pas céder à la tentation d’une « roqya » qui ne serait pas réalisée dans les conditions requises et qui pourrait produire des effets inverses. Au-delà du cadre spirituel ou juridique, les divers témoignages reçus et étudiés par l’UFCM ne peuvent pas nous laisser indifférents à la question suivante : pourquoi des personnes sont-elles amenées à accepter aussi facilement une « roqya » par téléphone ? Est-ce la gratuité qui a déterminé leur choix ? Certes le mal-être produit par cette société est de plus en plus grand. Nous vivons une époque où les êtres sont de plus en plus coupés des signes de Dieu et vivent un rythme de vie effréné. Ces affaires sont révélatrices des maux les plus profonds qui touchent la communauté musulmane. 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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  382. Naturel Cami Halısı, daha çok sade görünüme sahip gri ve toprak tonları rengi olan cami halılarıdır. İçerisinde de doğal hammaddesinde de doğal ürünler kullanılmaktadır.Yün Cami Halısı,cami halıları seçimi yapılırken zemin yapısı ve alttan ısınma çok önemlidir. İbadet edenlerin sağlığı dikkate alındığından diğer malzemelerin olumsuz sonuçlar doğurduğu görülmüştür. Özellikle plastik ve türevleri elektriklenme yapacağından ibadet esnasında dikkat dağılmasına yol açabilir. Cami Halısı Modelleri ve Cami Halısı Fiyatları hakkında detaylı bilgi almak ve ürünleri yerlerinde incelemek için ürünlere bakmaya gidebilirsiniz.

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  409. Cami halıları, ibadet eden kişilere en iyi şekilde hizmet eden, kaliteli ve uzun süreli kullanım imkanı sağlayan, geniş renk ve desen yelpazesine sahip olan halılardır. Cami halısı fiyatları; halının üretiminde kullanılan iplik türüne, ebatına, modeline ve daha birçok unsura bağlı olarak değişiklik gösterir. Bu nedenle sahip olmak istediğiniz cami halısı modeline karar verdikten sonra internet sitemizde yer alan iletişim bilgilerinden bizlere ulaşabilir ve cami halısı metrekare fiyatları ile ilgili en doğru bilgiye kolay şekilde ulaşabilirsiniz.

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  429. Cami Halısı Alırken Nelere Dikkat Etmelisin? Camiler Müslümanları bir araya getiren, birlikte ibadet etmelerini sağlayan ibadethanelerdir. Camilerin iç ve dış mimarisi de buna uygun olarak huzur verici bir şekilde tasarlanır. Bir camiden içeriye girildiği zaman dikkat çeken ilk detay şüphesiz ki cami halılarıdır. cami halısı modelleri birden çok türe sahiptir, çeşitli modellere sahip olan cami halılarını seçerken dikkat edilmesi gereken birtakım detaylar vardır.Cami halısı seçiminde dikkat edilmesi gereken ilk nokta cami halıların yumuşak bir yapıya sahip olmasıdır. İnce yapıda bir cami halısı zeminden gelen soğuğa engel olamaz ve ibadet eden kişiler için hastalık riski oluşturur, sert yapıda olan bir cami halısı ise bireylere rahatsızlık verebilir. Bu yüzden seçilen cami halısı kalın yapıda ve yumuşak olmalıdır. Bu yapıda seçilen cami halısı bireylerin ibadetlerini sağlıklı ve rahat şekilde gerçekleştirmelerini sağlar. Birden çok renge sahip olan ve kalabalık desenler bulunduran cami halıları bireylerin ibadetleri esnasında odaklanmalarına engel olur ve zihin karışıklığı oluşmasına neden olur. Bu sebeple seçilecek cami halısı caminin iç mimarisine uygun olmanın yanı sıra renk ve desen olarak sade olmalı ve her açıdan bütünlük oluşturmalıdır. Cami halısı seçiminde dikkat edilmesi gereken bir diğer nokta ise halıların leke tutmayan ve kolay kirlenmeyen bir yapıya sahip olmasıdır. Gün içerisinde çok sayıda insanın ziyaret ettiği camiler için kullanılacak halılar, kolay kirlenmeyen ve leke tutmayan yapıya sahip olmalıdır. Bu yapıya sahip olan cami halıları uzun süreli kullanım imkanı sunar. Halı seçiminde önemli olan diğer bir husus ise seçilecek halının nem ve rutubete karşı dayanıklı bir yapıya sahip olmasıdır. Nem ve rutubete karşı dayanıksız bir yapıda olan cami halıları kısa süre içerisinde yıpranır ve kötü kokuların oluşmasına neden olur.

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  433. Açıklamalar Ürünler; 1450gr/m2 2100gr/m2 iplik (Polyamide(PA)) agirligindaki halılardan üretilmektedir. Özel sipariş kapsamında (min.1000m2) “Yün” ve “Sentetik” hammadelerden özel desen, renk ve kalite üretimi yapılabilir. Resim-fotoğraf renkleri ile gerçek ürün renkleri arasında farklılık olması kaçınılmazdır.

  434. Cami, Mescit, Ofis, Ev ve diğer yaşam alanlarınıza tasarımlarınızı yansıtmanız için çalışıyoruz. Beğendiğiniz ve istediğiniz tasarımı bizimle paylaşın. Şayet o tasarım portföyümüzde yoksa lisanslı olmaması şartı ile sizin için o tasarımı yapar, dijital ortamda onayınıza sunduktan sonra üretim sürecine başlarız. Bu hizmet 50 metrekare ve üzeri projeler için geçerlidir. Detaylı bilgi için lütfen iletişime geçin.

  437. Cami Halısı seçerken dikkat edilmesi gereken bazı özellikler vardır. Bunların başında cami halısının dayanıklı olması, alev almaması, kaygan olmaması, sık dokunmuş ve ısı yalıtımı sağlıyor olması gelmektedir.

  442. Yün halılar, birçok insanın olmazsa olmaz dekorasyon ürünü olarak günümüze kadar gelmektedir. Camilerde ve yurtlarda yün halılar, farklı renk ve motiflerle birçok insanın odak noktası oluyor. Aynı zamanda kokuyu içinde barındırmaması, yanıcı özelliğinin diğer halı türlerine göre daha az olması da tercih etmek için avantaj sağlıyor.

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