أما المرحلة الأولى (جمع الأموال) فهي غير مشروعة ومحظورة، كما سبق ذكره، وتوجد عقوبات منصوص عليها بشأنها.
As far as the informal banking circuits are concerned, it should be noted that since their operations are based on the offsetting mechanism, they take place in two phases, collecting the funds and depositing them in current accounts held with banks.