Coco bank, isang pyramid scam!

NAGIMBAL ang daang katao na napabilang sa investors ng tinaguriang Coco Bank nang sumambulat ang balitang hindi nakakuha ng kanilang “premiums” ang karamihan sa kanila na umaabot sa milyones noong nakaraang Agosto 1, 2012 (Isang video footage ang nakuha habang nanghihingi ng pang-unawa ang mastermind ng nasabing Coco Bank,

Sa isang ulat, umaabot na diumano sa bilyones ang kabuuang halaga ng nalikom na pondo at inilagak ng investors sa Coco Bank makaraang itaas ang premium ng kanilang mga investment sa 1:1 na ratio.

Ibig sabihin nito ay bawat piso ay tutubo ng piso makalipas ang dalawang buwan na palugit na ibinibigay sa nagnais na mamuhunan.

Pero ang masaklap nito ay lantarang pangongolekta ng mga “investment” mula sa mga naging biktima na hindi pinapansin ng mga kinauukulan gaya ng SEC na me kapangyarihan na i-regulate ang money market (SEC mandate is to regulate, investigate or supervise the activities of persons to ensure compliance as provided by  the Securities Regulation Code, Presidential Decree No. 902-A,;) Taliwas din ang nakitang pagbibingi-bingihan ng PNP at NBI para tingnan at gumawa ng kaukulang pagsisiyasat. Sabi kasi ng isang bubuwit, maging ang mga opisyales ng PNP at NBI na me jursidiction sa Lanao de Sur ay naengganyong tumaya sa Coco Bank.

Pati raw ang mga sundalo at mga naglalakihang pangalan sa pulitika ay napabilang sa investors.

Kaugnay nito, isang artikulo ang lumabas na isinulat ni Robert Maualana Marohombsar Alonto ang nagsasabing masama ang paghahangad ng yaman sa isang madaliang pamamaraan.
Narito ang kanyang sulat:

By: Robert Maulana Marohombsar Alonto

To satisfy a query to us by a relative today, we have this to say. Normally, we don’t give unsolicited advice when it comes to people’s personal affairs especially on private financial matters. We’re not businessmen ourselves. We’re political non-conformists who want to change the rotten status quo based on our Islamic convictions. But when someone does ask, such as friends or relatives, we try to help in any way we can. It’s an obligation. Not so long ago, some friends and relatives asked us our opinion on a financial investment scheme that has lured many Muslims into its get-rich-quick attraction. After having known that the scheme itself has doubtful financing sources, our advice to them was never to get involved. But they never believed us. Like Nabiullah Nuh (as) who built a boat to save men from the Flood but was instead ridiculed, we were a voice in the wilderness. We were swimming against the current. Islam teaches us that when the source of income of a transaction is unknown or doubtful better avoid it because ‘a haraam (Undesirably forbidden) bakery can never produce a halaal (Legally Desirable) bread’.
Islam is not against getting rich through honest toil; it does not discourage business partnerships but enjoins those who enter into such partnerships to document them, meaning to put them into a written and signed contract. Even between biological brothers. Islam, however, does not condone economic activities which are unlawful or doubtful in nature.

This is especially true of get-rich-quick ways of earning through means that are foul or possess the elements of exploitation, corruption and hit-and-run scam. In the end, when they fail – and inevitably they will – they spawn enmity and self-destruction in the family and the community, even suicide. That’s why games of chance, such as gambling and the like, have been strictly prohibited and criminalized by the Shari’ah (Islamic Law). Some Muslims, however, are hard-headed. Even if they know the fundamentals of Islam -the haraam from the halaal, the immoral from the moral – once the opportunity of getting rich quick presents itself through dubious schemes that offer the promise of turning one into a millionaire overnight, they are immediately afflicted with amnesia, they forget Islam, and jump on the bandwagon even if that bandwagon inevitably leads them to perdition. The satanic cravings for excessive material wealth have overpowered and/or overruled what Islam has established to be the rules under mua’malat (transactional relationship} in order to protect and safeguard man from this perdition.
And now in the month of Ramadhan, the blessings that this holy month brings have become a curse instead for many – the rich who wanted to be super-rich and the not-so-rich who wanted to be like the rich – whose cravings for ‘overnight’ wealth made them forget the warnings of the Qur’an. Now they are reaping what they’ve sown. The dream has become a nightmare. We can only sigh with sadness and pray that we can have an Islamic government soon so all these scams would be prevented from happening again. But Allah swt knows best.

He has made His signs known. We shall no more delve on this subject.

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