The article provides an overview of the methods accepted to be critical for the laundering of illicit property, i.e. placement, layering, and integration. This is done to inform the reader of the obscurity the methods provide to illicit property and the possible costs involved. It is submitted that these typical methods would only be necessary when organised criminals launder huge sums of money. The article illustrates that when laundering relatively smaller amounts criminals prefer other cheaper methods to achieve the same end. The article, therefore, undertakes an objective analysis of the techniques of money laundering likely to be orchestrated in the South African social clubs schemes. The focus is on social organisations that engage in collecting money from members to deposit into a single account for a common goal. These organisations are termed stokvels. It is submitted that some of the collected amounts may not come from licit activities and may be highly difficult to identify. The article analyses the reason why people use social clubs and proposes methods that could be used to stall the refining of illicit money in such schemes.

本文概述了对非法财产的清洗至关重要的方法，即放置，分层和集成。这样做是为了告知读者该方法对非法财产的含混不清以及可能涉及的费用。有人提出，只有当有组织犯罪分子洗黑钱时，才需要使用这些典型方法。该文章说明，在洗钱数量相对较少时，犯罪分子会选择其他更便宜的方法来达到同样的目的。因此，本文对南非社交俱乐部计划中可能安排的洗钱技术进行了客观分析。重点是社会组织，这些组织从会员那里收取钱款，然后将钱存入一个单一帐户以实现共同目标。这些组织被称为stokvels。有人提出，某些收款额可能不是合法活动产生的，可能很难确定。本文分析了人们使用社交俱乐部的原因，并提出了可用于阻止此类计划中的非法资金提炼的方法。