Areṭṭal i umsexdam n tnebḍit deg Lezzayer : ad tesfaydeḍ seg uxeddim azayez yeṭṭfen

Ayɣer addad n umsexdam n tnebḍit yesɛa azal

I lbanka tazzayrit, aselmad, amsujji, amsexdam n APC neɣ aneɣlaf n tedbelt talemmast d aɣbel amecṭuḥ : axeddim yettwaḥrez, lexlaṣ yettwaxelleṣ deg wass yettwasbedden, amsexdam ur yettruḥu ara. Aya ur yebɣi ara ad d-yini aqbal awurman, maca dossier yebda s uferdis yelhan ɣef uxeddim n tbeddit tusligt s tsertift n tallit yettwasbedden neɣ ɣef unebbaz.

Ilaq ɣas akken ad nessemgared tignatin. Amsexdam n tnebḍit yettwasbedden, yettwasentmen deg tseddart-is, d tugna yeṭṭfen ugar. Amsexdam s tsertift, axeddim s usrag neɣ win yettwaɛiwnen s usuddes n usekcem ad yettwaḥseb am uxeddim s tallit yettwasbedden : lbanka ad tmuqel azemz n taggara n tsertift u tezmer ad tesɛeddi tallit n ukridi ɣef wayen. Amsexdam deg tallit n usbedded yelha-yas ad yerǧu arra n usentem ma yezmer usenfar-is ad yerǧu kra n wayyuren.

Abrid amezwaru : iṛeṭṭalen n tmetti n umsexdam

Tuget n yiḥricen n tnebḍit sɛan twuri tinmettiyin, i ttsefrak tkumisyunt taɣelnawt neɣ tadigant, i d-yettaken iṛeṭṭalen n tmetti i yiɛeggalen-nsen. Asegmi aɣelnaw, tazmert, tiɣiwanin tidiganin neɣ kra n tkebbaniyin n tnebḍit d imedyaten yettwassnen. Iṛeṭṭalen-a s wudem amatu war lfayda u ttwaxelleṣen s tukksa srid seg lexlaṣ.

Ayen i snernayen

• isuṛdiyen n wexxam : ayen ara d-tefkeḍ seg yiman-ik, aheggi, ixeddimen ;
• tidyanin n twacult : tameɣra, tlalit, tuɣzint ;
• isuṛdiyen n tezmert ur nettwassen ara ;
• taɣuri n ttawilat n wexxam, s ulugen n yal takumisyunt.

Tilisa-nsen

Idrimen qqimen d imecṭaḥ, tilisa d tiseggasin, isuturen ttwasettben s tiwtilin n tmetti : aqdem, addad n twacult, anekcum. S waṭas ilaq ad terǧuḍ alday n tallit u ad tefkeḍ asuter deg wakud. Alugen agensan n tkumisyunt n uḥric-ik, i yellan ɣer tenfa n yixeddamen neɣ ɣer umeskan n tdukkla n yixeddamen, yesbadu tilisa d tallit n uxelleṣ. Areṭṭal-a n tmetti yezwar yal trusi nniḍen : d tifrat ur nɣala ara ugar.

Abrid wis sin : areṭṭal n lbanka i umsexdam n tnebḍit deg Lezzayer

I yidrimen imeqqranen ugar, lbanka ad teṭṭef amkan. Ifarisen yellan d wid-nni n yal axeddim : akridi n usečči i tɣawsiwin yettwaxedmen da di tmurt, akridi n tkeṛṛust, akridi n wexxam, isnerniyen islamiyen. Ayen yettbeddilen d tarrayt n usentem n unekcum d tmlilt n users.

CCP neɣ amiḍan n lbanka : d tasarut

Aṭas n yimsexdamen n tnebḍit ttawin lexlaṣ-nsen deg umiḍan CCP n Algérie Poste. Maca lbanka i d-yettaken areṭṭal tebɣa ad tekkes axelleṣ seg uɣbalu. Ilaq ihi, s wudem amatu, ad tessutreḍ i tenfa n lexlaṣ asiweḍ n lexlaṣ ɣer umiḍan yeldin di lbanka i tferneḍ, neɣ ad tezmleḍ lameṛ n usiweḍ yezgan seg CCP. Akala-a tikwal yettawi yiwen neɣ sin n wayyuren n lexlaṣ : yif-it ad t-tebduḍ uqbel ad tefkeḍ asuter n ukridi.

Tisertifin gar umsexdam d lbanka

Kra n tedbelin d tkebbaniyin n tnebḍit zemlent tisertifin d lbanka n tnebḍit i yixeddamen-nsent. Tiwtilin yettwasufɣen ssemgaradent ihi imsaɣen « s tsertift » d yimsaɣen nniḍen. Steqsi tanfa n yixeddamen uqbel ad tezziḍ tiwkalin : tasertift tezmer ad tesɛeddel lfayda, idrimen neɣ zzerb n usezrew.

Tafurmult yettwassnen neɣ tislamit

Imsexdamen i yebɣan ad gen lfayda zemren ad ṛuḥen ɣer yisfuyla islamiyen i ldint lbankat n tnebḍit neɣ ɣer lbankat Al Baraka d Al Salam. Lexlaṣ yettwasersen yurar dinna tamlilt-nni n ḍḍmana n uxelleṣ. Amgired yella deg tsertift : s mourabaha, lbanka ad d-taɣ tiɣawsa syin ad tt-tezzenz s lmarja yettwasbedden deg uzmul, ayen yettarran axelleṣ n wayyur ur yettbeddil ara. Amnir areṭṭal islami deg Lezzayer yessemqabal tirrayin-a.

Arraten yerzan imsexdamen n tnebḍit

Tibarniwin yettbeddilen, am kra n tbarniwin n ufares yettwaxelṣen yal kraḍ n wayyuren, ur ttwaḥsabent ara yal tikkelt akk deg usiḍen : lbanka tettɛekkiz ugar ɣef unekcum azedgan yettuɣalen.

Asiḍen n tezmert n tidet : amedya n uskan

Amedya n uskan, amḍanen ttwasezgen, s talast n uxelleṣ n 30 % n unekcum azedgan, d aswir i d-ssufuɣent aṭas n lbankat i yikriḍiyen n yimdanen.

• Lexlaṣ azedgan n wayyur n tselmadt yettwasbedden : 90 000 DA
• Talast n uxelleṣ deg tiẓri : 90 000 × 0,30 = 27 000 DA
• Tukksa yellan yakan i ureṭṭal n tmetti : 6 000 DA
• Axelleṣ i d-yeqqimen : 27 000 − 6 000 = 21 000 DA

Ma yella urgaz-is, ula d netta d amsexdam n tnebḍit, yettawi 70 000 DA azedgan u yeqbel ad yili d amerṭal yid-s i usenfar n wexxam, anekcum n wexxam ad yali ɣer 160 000 DA, d.i. talast n 48 000 DA, ilaq ad nekkes seg-s 6 000 DA yettwakksen yakan : 42 000 DA n uxelleṣ yezmren. Mačči akk lbankat i yeqqbelen asdukel n yinekcumen i yal afaris ; asteqsi-a ilaq ad yettwaseqsa seg usarag amezwaru.

Axxam, lantriṭ d usenfel : tignatin yemgaraden

Anekcum ɣer wexxam yettwaɛiwnen

Imsexdamen n tnebḍit d aṭas deg yimjerriden n yiɣawasen AADL, LPP neɣ LPA. Asemmed n lbanka i yettwasran i uxelleṣ n yiḥricen yezmer ad yesɛu akridi s lfayda yettwasenqesen ma yella unekcum n twacult yekcem deg yiswiren i d-yewwi usaḍuf. Ẓer akridi n wexxam AADL d areṭṭal n wexxam deg Lezzayer.

Mi ara d-tqerreb lantriṭ

Amsexdam i d-yeqqimen kra n yiseggasen i lantriṭ ad iẓer tallit n ukridi tettwasɛedda, u lbanka ad tesseḥseb tazmert ɣef lantriṭ ara d-yawi, s waṭas tedres ɣef lexlaṣ aneggaru. Amnir areṭṭal i win yuɣen lantriṭ yesfeṛṛeq aɛeddi-a.

Asenfel ɣer twilayt nniḍen

Asenfel ur d-yettarra ara akridi deg usteqsi, maca ilaq ad tɛassaḍ ma yella tanfa tamaynut n lexlaṣ tkemmel asiweḍ n lexlaṣ ɣer umiḍan yettwasersen. Aḥbas n usiweḍ, ula d anedbal, yezmer ad d-yawi axelleṣ ur nettwaxdem ara yettwarun di tlemmast n yiɣbula.

Mbaɛd tugin

Amsexdam n tnebḍit yettwagin s tqell i d-yettili s ssebba n uxeddim-is. Ssebbat yettwassnen llant deg wadeg nniḍen : tukksa seg lexlaṣ yettwattun deg usiḍen, découvert aqbuṛ ur nettwaseggem ara, dossier anda tasertift n uxeddim d tfiẓaṭin n lexlaṣ ur msaḍant ara ɣef tseddart neɣ ɣef uswir, neɣ azal yugar aṭas. Suter i tewkalt ssebba, seggem arra yerzan neɣ sneqs azal yettwasutren, syin ɛawed efk-it. Asugget n yisuturen deg yiwen n wakud deg waṭas n lbankat ur d-yettawi kra : yal yiwet ad tesneqed tlemmast-nni n yiɣbula.

S wawal wezzilen, areṭṭal i umsexdam n tnebḍit deg Lezzayer yettwaheggay s kraḍ n tiskiwin : tazwara sseqdec iṛeṭṭalen n tmetti, syin heggi users n lexlaṣ, taggara efk i lbanka arra n lexlaṣ amaynut d usenfar yemṣaḍan d uxelleṣ yellan s tidet.

Isteqsiyen yettuɣalen