An invitation worth considering The FARC’s coming Caracas visit
Sep 282007

DMG is a mysterious holding company with branches in several Colombian towns known principally for coca cultivation and armed-group activity. In Putumayo department, DMG has offices in Puerto Asís, Villagarzón, La Hormiga, Orito, Mocoa, and Sibundoy. A DMG branch exists in the coca boomtowns of Llorente, Nariño; Granada, Meta; and Montelíbano, Córdoba. (Click on the Colombian flag at the top of their website and look at the map of their locations.)

Their business model sounds miraculous: you give them your money, they offer incredible rates of return – you can double your investment in six months. How is that possible? Where is DMG’s money coming from?

As with too many things in Colombia, nobody seems to be asking. Here is an excerpt from an article that appeared in August in the Colombian newsweekly Semana, which raises at least as many questions as it answers.

For the last two years, a unique economic situation has calmed the income anxiety of those who live in this distant zone of the country [Putumayo], which since the 1990s has based its economy on coca cultivation and harvesting.

It is called DMG. … Long lines along Villacolombia or Calle Mocha, in Mocoa, the capital, show the level of impact that this financial phenomenon has in this region’s society.

Many arrive as much as two days before the payment day. Months ago they had left millions and millions of pesos in DMG’s coffers. Some, all of their savings. Others, what they got from selling their house, their car or their farm. There are even some who have taken out bank loans in order to invest the cash in this magical way of increasing their capital. When they arrive at the branch, the person receives the “benefit” of his investment, as agreed in each contract. Interest rates of 10, 15, 30, 50 percent, and during “special offer” periods even 100 percent.

Ten million pesos in DMG’s hands for six months can be turned into 20 million. Or if you prefer a monthly payment, they will give you 100,000 pesos every 30 days. That is, 10 percent. [The author must mean a million pesos every 30 days.] One can choose whichever way one prefers. Either way it is well above what any bank would pay to a savings account holder.

… David Murcía Guzmán is the person behind this miraculous system. A young man of less than 30 years about whom little is known in the region. Only that one day he came to six of Putumayo’s 13 municipalities and set up his business.

The DMG offices, the local population says, have strong safes to hold the cash that arrives at the regional airports and is transported along the department’s awful roads by armored, escorted cars.

There is nothing clear about this business. There are no sanctions from the Superintendencia Financiera [Colombia's bank-oversight agency], there are no results from the preliminary investigations that the Fiscalía [Prosecutor-General's office] began at the end of 2006. But the business is so prosperous, that in a zone where the narco-economy led the parade for years, it is easy to imagine that something strange is behind this surprising way of getting many out of poverty.

But this matters to very few. In the region, people are so content with DMG that any politician who wants to campaign and win elections in Putumayo would do well not to get involved. “A legislator asked in public about the origin of this money and called for an investigation, and the next day he had thousands of opponents in the department. The people will not allow this subsistence source to be taken from them,” commented a departmental government official.

Writing in El Espectador on September 15th, victim’s movement leader Iván Cepeda saw no mystery about the origin of DMG’s funds.

There is a business [in Putumayo] devoted to money-laundering, DMG. Its owner, David Murcia Guzmán, is an ally of paramilitaries, narcotraffickers and politicians. The business offers 50% monthly interest rates for any amount of cash.

Many families have sold their small properties in order to leave some capital in this business. However, extortions are being carried out against investors. In several cases children have been kidnapped to demand that their relatives give their earnings.

Official investigations of DMG appear to be stalled. Meanwhile DMG continues to sweep Putumayo – a department where thousands of small-holding coca-growers, their modest incomes eliminated by eradication programs, are desperate for any way to make money. And where nearly all wealth that exists is tied to organized crime.

Look at these excerpts from people who wrote in comments on the Semana article. With poverty generalized in Putumayo, and with the rule of law a distant aspiration, DMG has some passionate defenders. It is awful to think of what will happen to them and their savings when the DMG house of cards comes crashing down, as it inevitably will.

“Thanks to God DMG is a group that began in Putumayo, that is why I am standing up for it. David Murcia is thinking of his customers, som ething that no other human being has done. No doubt we all benefit from him. It is the blessing of God. And all of his customers are ready to fight so that this never ends. I ask all people who do not know poverty not to give their opininon about the Group. Because it is we who have lived it, and if it supports some politician that is not our problem. What is important is that our payments are made to us, regardless of where the money comes from. Thank you.”

“If we compare the aid that DMG gives us with the aid that the government offers, I’ll tell you that I prefer DMG. … If we see the interest that a bank or a financial corporation gives, it is enough to make us cry.”

“For the poor, DMG is just a refuge from poverty and a breath of air, we only want it to last just a bit longer … maybe we’re not as poor as they say … there is a lot of money and resources here, only that it remains in few hands … DMG has become a solution not only for poverty but for the illicit crops that afflict the department’s communities. ”

“The majority of us are poor, that is true, but we do not give up our conscience for a plate of beans. The miracle is a true miracle, it has given out more money than the department’s annual budget; how they do it is a well-kept secret supported by the government.”

41 Responses to “Putumayo’s “DMG”: Where poverty meets impunity”

  1. Jorge Guzman Says:

    Acerca del DMG, vuela por todos los medio

  2. Oyerista Says:

    Thanks for your attention to this issue. In fact DMG is growing not only in Putumayo but also in Bogotá and other places. You didn’t menction an article published in Cambio:
    http://www.cambio.com.co/paiscambio/710/ARTICULO-PRINTER_FRIENDLY-PRINTER_FRIENDLY_CAMBIO-3424193.html

    There is a bigger investment they’re doing: http://www.bodychanneltv.com and different media informed that Jeronimo Uribe (President´s son) is working in a program with this channel. (www.law.gwu.edu/NR/rdonlyres/6E86622A-B9A6-4372-864E-C019B6CF5D8B/0/CIECProfilesUribeBrothers.pdf)
    or (http://www.diariodelsur.com.co/agosto/10/informe.php)

    I don’t think that there’s a direct connection, and can’t confirm the fact, but it’s clear that David Murcia wants to move up fast in the inequal colombian society. Seems that the control offices are making decisions, but I don’t think it’s easy, because there is a lot of money in this game.

  3. Kyle Says:

    If anyone didn’t see it in today’s website for El Tiempo:
    http://www.eltiempo.com/justicia/2007-10-04/ARTICULO-WEB-NOTA_INTERIOR-3751343.html

  4. Colombian Says:

    You people love destroying good people reputations… DMG is a company that is not making more money than any other of the real sector. The big difference is that revenues are not ending in the 2 or 3 traditional bankers and fat pockets that we have in Colombia. Revenue is being distributed in a larger share to their clients. Nobody seems to wonder or argue about the millions and millions that traditional bankers make in a year paying 6% of interest and lending money at a rate of 33%. That is real robbery!!! If somebody wants to pay better than this bankers.. then suddenly is a drug dealer. Don’t take the affirmations of Cambio, or Semana for granted… is only a way to sell magazines… search if any of this articles have some real evidence, of if the reknowned investigations have found anything illegal in DMG’s business… you won’t find anything…

  5. xavi Says:

    Does anyone have updated information on the situation mentioned on the october 4th article about superintendencia ordering DMG to return 18,000 million pesos? is january and i cant find anything on the subject, furthermore that article mentioned that situation as being the end for DMG and i still see them collecting money, paying interest and expanding.

  6. AJ Says:

    Indeed, this is a very interesting case I’ve been following from Panama, where they are operating too.

    I’m wondering what else is new, haven’t found much more. But I think this needs more coverage wether positive or negative, so that people that might be thinking into getting in this “business” can make a more informed decision (since DMG doesn’t really give much else besides the “give us money and we will return you a lot more, because of publicity!” message).

    Greetings.

  7. Paisita Says:

    This article mentions a connection between DMG and and some illegal groups but do not explain the any source than can prove such connection, so I take this article claims as an assumption.

    This business model is not new though, just take a look at how a hedge fund operates its business and you will find many similarities. The only difference is that a hedge fund only accepts funds from high net worth individuals and charge a fee plus commission on earnings, some times very high, and DMG accepts investments from the ordinary foe and charges no fee for its performance which is very strange.

    Weather DMG has a dark side or not, this phenomenon clearly shows a tremendous niche in the market and that we should take a closer look. Little people want to invest too and has the right to do it, but the financial institutions just don’t care about this huge niche of little investors and as long as this situations continues, we will see more shady Companies willing to do it and shark lenders like the prestamos gota a gota.

  8. Niero Says:

    Take the fact that a company like DMG is offering 100% in 6 months is like 16% per month, good earnings for a good business; in the other hand, banks are offering 9% a year (less than 1% per month), plus discounts, 4×1000 tax and more things, and you do not have many options to invest. This group holds food supermarkets, products, franchises and other strategic benefits for investors: What would you do? Unless a serious investigation takes place (that nobody has done it yet), just are gossips.

  9. pablo Says:

    Two words:

    PONZI SCHEME

    I’m not sure what all the analysis is about. DMG and similar organizations operating across Colombia right now are simple Ponzi schemes.

    If you don’t know how they operate read wikipedia’s definition:
    http://en.wikipedia.org/wiki/Ponzi_scheme

  10. jhon warlook Says:

    all information mencionated dont have any suport reason or fact, please talk less, and think, investigate first. then you can leave a really important coment.
    thanks.

  11. Alejandro Says:

    hi, my dad invest 10.000 USS in this company in colombia, so im wonder if this guys work with FOREX, becouse if they not, how they are making so much money

  12. Berrie Says:

    DMG offers not a single explanation of where they get their money from, just high profits of selling “prepaid cards”. Until they proof that they have a base for making the money, DMG has all the characteristics of a Ponzi scheme, and that is a fact.

    My experience is that most investors are aware that they run a risk of loosing the money they put in – it is a gamble. Nevertheless, Colombian government should step in to protect the investors.

  13. Plan Colombia and Beyond » The para-politicians' "proxy" Says:

    [...] and businesses with questionable financing, such as David Murcia’s highly questioned DMG holding [...]

  14. ricardo Says:

    trabajen y dejen trabajar

  15. Camilo Says:

    LET DMG WORK!!!!!!
    LET US WORK!!!!!!
    LET DMG WORK!!!!!!
    LET US WORK!!!!!!
    LET DMG WORK!!!!!!
    LET US WORK!!!!!!
    LET DMG WORK!!!!!!
    LET US WORK!!!!!!

    N O W !

  16. James Town Says:

    DMG is the best, DMG help us to grow up. Thanks DMG!!!!!

  17. PAULA Says:

    DMG, NO ES UNA PIRAMIDE Y NO ES ALGO ILEGAL AKI EN COLOMBIA HAY GENTE MUY POBRE Q VIVE DE ESTA EMPRESA POR UN CONTRATO DE PUBLICIDAD, EN COLOMBIA HAY MUCHA POBREZA Y NO GENTE RICA COMO USTEDES…

  18. javier hhuertas Says:

    DMG is a great enterprice here in Colombia. What they do it is just trade-marketing exchange with people´s money … who trust them. I was a merchant 10 years ago, it´s perfectly possible to get hight profits from this scheme…(in few days) if we have a basis. DMG just need many products to offer and to have cash to get the best prizes when buying something. Also, I´m sure they have experts to make them invest or advice how to make money grow inside legal contexts. Excellent because they help poor and rich people….in my case, i´m not going to quit my job because I get some additional profits, intead, i´m generating jobs with my money and the best thing is that it´s possible that some day I have a great enterprice… congratulations to DMG

  19. equinoXio » » La criolla enfermedad holandesa Says:

    [...] gestión y emprendimiento empresarial y, por qué no decirlo, que curiosamente surge en zonas donde fluyen libremente dineros [...]

  20. Augusto R. Says:

    There are a lot of gossip people talking about this issue, but the reality is other. This company cannot be banned or restricted by SUPERINTENDENCIA FINANCIERA O BANCARIA because is not a bank. Moreover media such as TV, magazines, etc, should be careful because it is not proved that DMG commited or are commiting a crime. So, give us the benefit of the doubt and not try to discourage something that have to be proved and is becoming an economic solution for thousand of poor families in Colombia.

  21. jhon Says:

    hola, alguien me podria informar acerca de las inversiones de el grupo dmg, como funciona el sistema de las tarjetas prepago. ejemplo, si yo adquiero una tarjeta por $1000 dolares y a la vuelta de cuanto tiempo me doblan ese dinero, tengo que consumir los fondos de la tarjeta en los lugares autorizados durante el tiempo del contrato y al finalizar me dan solamente el efectivo de del interes que gano mi dinero y el saldo que me quedo en la tarjeta? o si no uso la tarjeta puedo reclamar al final del contrato mis $1000 y mis $1000 de intereses?
    es necesario hacer la publidad comercial de los productos refiriendo a otras personas a la compania o no?
    o solamente voy dejo mi dinero al % de interes que este ese dia y luego vuelvo cuando ha terminado el plazo a retirar my dinero y los intereses y es todo?
    estoy confundido y no se cual es el processo de inversion, alguna persona que ya haya recibido beneficios me podria informar al respecto./gracias

  22. guido castillo Says:

    HOLA QUISIERA SEAN TAN AMABLES DE SUMINISTRARME MAS INFORMACION DE COMO FUNCIONA SU EMPRESA Y QUE HAY QUE HACER PARA CONTAR CON SUS SERVICIOS. Y SI EN LA CIUDAD DE MONTERIA (CORDOBA) O SINCELEJO (SUCRE ) EXISTEN OFICINAS DE USTEDES, MUCHAS GRACIAS.

  23. edelmira varon alvarez Says:

    hola mi nobre es edelmira varon y vivo en Houston Texas quisiera que me informaran como puedo invertir con ustedes ya que vivo fuera del pais. o por favor me dicen un numero telefonico donde yo pueda llamar y me expliquen gracias. edelmira

  24. Dan Says:

    It´s incredible that so much attention has been given to an issue where in Colombia it´s frowned upon while in the US, DMG would be considered a work of grace. In the US we have multilevel systems, we have high risk programs with high yields up to 1,000% per year. I personally participated in one of these high yield programs and saw the fruits of our labors. I was not alone more than 400 parishioners in our church participated and we all saw the program work. Why then is it so difficult for someone with care and generosity in his heart to do what he pleases with his money. If someone makes 1billion dollars and decides to invest it in his community then why should he be prohibited from doing so. The problem is that in Latin America they still have a feudal system where the rich and powerful families rule. The state of ruling is strife with corruption, abuse and a general lack of care for their communities. The difference with David Mucia is he cares, he truly cares about doing something for his country other than exploiting then. At present DMG is in 7 countries and is changing the face of Latin America for ever and the ruling class better get use to it because economic change is demanded worldwide by those that have suffered at the hands of the upper ruling class. In the US we don´t see this anymore, Bill Gates, a military general and police officers are common citizens. In Latin America they are the ones that give in to the corruption and enforce the law of the governing. A sad state for millions! Buy if one really wants to see pure corruption in action, look at the US government´s bailout of a bunch of crooks. Now where is the justice, we Americans now have to bailout the rich and twisted just so our economy does not fall. The motto is ¨Let us Work¨and work we will.

  25. JC Says:

    The big fat banks in Colombia have ripped people off for decades. Now, there is one person who is willing to put these banks to the test. And, of course, these banks want to take him out of business. I would not be surprise if somebody has a price on his head. Anytime you become a threat to someone big? they take you out.
    Good luck DMG.

  26. indymedia colombia Says:

    HIJO DE URIBE VELEZ VINCULADO CON PIRAMIDES DE ESTAFA Y NARCOLAVADO
    cambio 2008-11-14 9:50 PM
    Como es obvio tras cortinas de humo los medios de tergiversacion del establecimiento colombiano intentan esconder la participacion de Jerónimo Uribe Moreno, hijo del presidente Álvaro Uribe Velez en los negocios de David Murcia Guzmán y la firma DMG. Asi como intentan ocultar la visita asidua del Presidente de DMG al Palacio de Nari..Ante las dimensiones que está adquiriendo el problema despues del comienzo del desplome de las piramides a pesar de que se habia advertido con 2 años de anterioridad, el sabio presidente Álvaro Uribe Vélez con vehemencia ordenó de inmediato a los bancos Agrario y Bancoldex a hacer un censo a posteriori de personas afectadas por las captadoras ilegales con el fin de estudiar alivios gubernamentales para quienes sean de los estratos uno y dos – para que no se escapen sus votos para su proxima releccion. De acuerdo con el economista Luis Jorge Garay, mas de 500 mil hogares habrían sido estafados.

    http://colombia.indymedia.org/news/2008/11/95436.php

  27. Uber Alles Got Says:

    Obviusly Uribe´s Goerment is going to robe us, as always they do, DMG is an enmy of his goverent an his future reelection, because his Goverment let in in the country european banks that earn money with some practices that in Europ are illegal, so they are just taking the people´s houses,cars, and the money obviusly, so DMG are taking this victims and giving them the part of the cake that the bankers take for themselves, so Uribe his Family, Sarmiento Angulo, and some Jude Journalis as Gosain,Bedout,Gurissati and mch others aswell that sell their criteria to goverments issues, must die.

  28. julio santos Says:

    I arrived in Colombia November 12th, and everybody was talking about this form of investment, where you can get a tremendous return from money invested in DMG, so I decided to see where they do business from, I went to this huge building, in(La Carrera 178th con La Autopista Norte in Bogota-Colombia), to my surprise this place is not only a location where people go to invest their money, and believe me, the lines to invest the money are very long, but this location also is a retail store, where you can get from a tooth brush to a brand new car, everything that you can think of, DMG sells there. and if any of you have a chance to go inside their store, you can see that the same amount of people are buying their products, I saw people buying cars, motorcycles, clothes, shoes, food, televisions, computers, building materials. you can even have lunch there, I can clearly see how DMG is making money, oh one more thing, that I remember about the place, you have to sit in a seminar for about two hours in which they explain everything to you, before you can invest.
    Please if anybody has gone in sat down in the seminar, please enlighten us about it, thank you

  29. RUBY Says:

    PRESIDENTE URIBE COMO SIEMPRE HACES LO QUE QUIERES, SI QUIERES LLEGAR A LA PRESIDENCIA LA TERCERA VEZ LO HACES POR ENCIMA DE TODOS, PICARO NOS QUIERES ROBAR LA PLATA QUE CON TANTA LUCHA LA CONSEGUIMOS, VOZ COMO NO SABES QUE ES POBREZA IGUAL A TUS HIJOS GOMELOS, NO HAZ COMIDO M…. COMO NOSOTROS, LOS MOCOANOS ESTAMOS PUTOS, Y TE VAMOS A DAR UN BUEN DOLOR DE CABEZA, DICTADOR………..URIBE BEYACO……………EL PUEBLO ESTA BERRACO OLVIDATE DE TU REELECCION, Y APOYEMOS A QUE TUMBEMOS LA SEGUNDA REELECION COLOMBIANOS YIDIS DICE LA VERDAD, Y URIBE ASOLAPADO……………..

  30. desconocido Says:

    uribe es un desgraciado, deje de joder tanto y deje trabajar a las personas que en realidad buscan el bienestar de las personas porque el señor Murcia si es un apersona seria y por nada del mundo vamos a permitir que un aparecido venga a darle mala fama a nuestra empresa que es dmg es una empresa respetable..asi es que deje de joder uribe y mejor coja oficio…

    viva DAVID MURCIA y abajo el desgraciado del uribe en realidad el pueblono se dio cuenta a quien eligio al demonio uribre malnacido

  31. Joe Blow Says:

    i believe most of the comments i read before are made by people who only care about thieir own pocket , most probably also people involved in the drug buisniss … i also believe drugs offers no future to the people of Colombia , maybe some people in your country will benefit from this buisniss but they are a minority wich include some of the very corrupted government people you have in place … now is a good time to clean up .. clean up the paramilitary and the corrupted generals of the regular army too … and join the countries who care about democraty and development , and here i dont suggest any model in particular …. Colombianos y Colombiana can become a model … why not ?

  32. C. Brayton Says:

    It was very, very handy to google up your excellent backgrounder now that the DMG case has finally burst like a lanced boil. Jeez louise, what a jaw-dropping saga of peculiar dealings. I will look forward to your future analysis of the case.

  33. Latin American Thought » Blog Archive » What else is coming down with Colombia’s crumbling pyramids? Says:

    [...] not compete with’ offers of sometimes over 100% in a 6-month period. The pyramid schemes thrived in coca-producing areas, where poverty is rampant and coca sales provide intermittent cash [...]

  34. Plan Colombia and Beyond » Friday links Says:

    [...] collapse of pyramid schemes in Colombia, and especially of DMG – which appears to have been more money-laundering operation than pyramid scheme – not only [...]

  35. Plan Colombia and Beyond » Diabolical Mad Genius? Drug Money Goon? Says:

    [...] first time DMG earned national notice for its controversial business model (this blog included a post about it at the time), the Colombian government’s Bank Superintendency ordered that [...]

  36. Julio Restrepo Says:

    people in colombia live in fear, fear to get abducted by the guerrilla, fear to be mugged by ( drug addict, ignorant people ) fear of get caught by a bullet in between a drug war; then, along with this social issues comes people that are nothing like the international colombian profile or ’stereo type’, expected to be violent, ignorant, classless and at the bottom of the list, but at the tip of every ones tongue, smuggler; people that really wish this whole war between guerrillas and state was over, would like to see some real sustainable development, and above all, real education, by real i mean real tools like expression, leadership, guideance. Colombia has a great potential when it comes to natural resources, our forests, mountains, rivers, valleys and two of the greatest water masses on the earth come and go on each side; its multicultural background always meet the same ground, but is always stigmatized by poverty, corruption, which creates violence, drug traffic and from here is already a big issue; this is not an attempt to justify anything, actually every nation has it share when is to talk about issues and social problems, but the real difference occurs in how to approach these inconveniences.

  37. Juliee Says:

    El presidente Uribe a hecho q Colombia se vuelva en un mejor pais. El a creado empleos, la seguridad esta mejor y bien hecho q le esta pateando el trasero a la DMG por q este triple HP q es David Murcia hizo q mucha gente perdiera plata q no tenian. Todos sabemos q colombia estaria peor si Uribe no estuviera ahi tratando de arreglar las bainas. Ahora q ya el a hecho tantas cosas con la guerilla ahora si es malo, un ratero. Ballanse pal carajo por q el a sido un presidente q a sacado COlombia de tanta mierda.

    Esta DMG or como se llame ya abian hecho algo parecido en los 90s. Como la gente es medio retardada no se acordaron q ya abian pasado muchas piramides q estafaron a millones de personas.

    LA DMG tiene q ser sacada desde las raizes para q asquerosos como el Murcia no vallan a atacar el pueblo Colombiano otra vez.

  38. amanda Says:

    JULIE I M SORRY BUT URIBE ???????????? NO SEAS INOSENTE Y DAVID MURCIA NO ES UN HP COMO LO DICES TU… BIEN INORANCIA ES LO QUE SE QUIERE PARA QUE EL PUEBLO SEA MAS POBRE PUES DIME QUE HP NO ACTUO A TIEMPO URIBE NO OF COURSE!!! Y EMPLEO ???? CUALES DIME TU!!!! EL TEMA DE LA GUERRILLA ES MAS PERSONAL QUE PROFESIONAL!!!1 Y QUE ME DICES TU DEL FUNDADOR DEL PARAMILITARISMO EN COLOMBIA. AHHHHHHHHHHHHH CUANTAS MASACRES NO ESTAN DEPARTE DEL PARAMILITARISMO….

  39. David Murcia Claims He Contributed To Uribe’s Referendum Drive « Listen, Yankee! Says:

    [...] visibility in the wake of Bernard Madoff’s prosecution in the US. Investors in DMG, largely impoverished peasants laying out meager sums, received returns of up to 100% over a period of months. The system [...]

  40. Jazmin Saenz Says:

    It is very sad to read this article. I am Colombian, and my family invested in 2008. My family were not able to get the money back, because president Uribe gave the order to close the business in November of 2008 in all towns at 3:00 a.m. Why during the dark? Why not during the day? If he knew that something was wrong with the business, he could have left DMG paid the investors and closed the business. Besides 8 months before the close of the business, according to the government, if the investors paid taxes to the government, then it was fine to invest in DMG. If president Uribe had a little of integrity, wouldn’t he have cared about the investors? Many people committed suicide, others remained in mental institutions, and others lost everything.

    The press is sold, perhaps 10% of what they say is truth. President Uribe manages everything. He does wherever he wants; he even has changed articles in the constitution.

    The money of the investors was taken by the government. There are videos, in which they were carrying suitcases and huge bags of money. Who did it? The police.

    President Uribe, you should not be allowed to take part in the upcoming presidential elections, (It is aginst the constitution) we are tired of your monstrous mistakes. It is time for you to give the chance to someone else to govern.

  41. La Bataille d’Alger: Propaganda Clandestina e Campanhas Celulares « O Bicho Preguiça Says:

    [...] repercutido na imprensa brasileira no ano passado foi o pânico total causado por um esquema Ponzi montado pela empresa DMG em Colómbia — um empreendimento social suspeito de lavagem de dinheiro do narcotráfico mas [...]

Leave a Reply