Areṭṭal n tmeɣra di Lezzayer: tadrimt, tifrat d yifexxen ara tesnesreḍ

Acḥal tesɛa tmeɣra, acu i yezmren ad yettwaxelleṣ?

Gar usuter n tullas, lfatiḥa, lḥenni, tameɣra d usbeddi n sin yimsizwaǧen, lxesṛat s tuget ttɛeddint ɣef useggas. Mačči yiwet i d tagnit-nsent, d ayagi i yesbadun amek ara ttwaxelṣent.

Iḥricen n tedrimt

• Ṣṣdaq i d-yettak usli, d yifeggagen n ddheb i yettwafken i teslit.
• Ljehaz i theyya twacult n teslit: llebsa tamensayt, iceṭṭiḍen, iqbac.
• Taxxamt n tmeɣriwin, aɛessas n wučči, idebbalen neɣ DJ, tiwlafin.
• Lmeɣṛuḍ n texxamt n yiḍes d tkuzint, ibenkan n trisiti n uxxam.
• Axxam: lkira uqbel, lxesṛat n tnezduɣt neɣ tamuni i tuɣac.

Ayla d lxedmat: amgired yettbeddilen kullec

Tasemmaḍt, tamacint n usired neɣ taxxamt n yiḍes yettwaxedmen da di tmurt zemrent ad ttwaxelṣent s ukridi yeqqnen ɣer lḥaǧa. Taxxamt n tmeɣriwin, aɛessas n wučči neɣ taqendurt yettwakran d lxedmat i yettwačču deg yiwen n yiḍ: ulac lbanka i ten-yexellṣen s ukridi yeqqnen ɣer lḥaǧa, ma d areṭṭal i ten-yexellṣen ad yettwarr aṭas deffir tmeɣra.

Tadrimt n tmeɣra i usfehem

Amedya i usfehem s ssumat timedwaren; ssumat n tidet mxallafent aṭas seg lwilaya ɣer tayeḍ d seg twacult ɣer tayeḍ.

Deg tegnit-a, 650 000 DA kan i yettwarṭlen, d.i. 36 % n tedrimt. Ma yella akridi n lmeɣṛuḍ n 450 000 DA yettuɣal ɣef 36 n wagguren s ssuma s lekmal yettwarǧan n 54 000 DA, lqesṭ ad yawweḍ 504 000 ÷ 36 = 14 000 DA i waggur, ad as-yernu uqeṭṭeɛ n lxedmat tinmettiyin.

Tifrat i uṛeṭṭal n tmeɣra di Lezzayer

Areṭṭal n lxedmat tinmettiyin

Tameɣra tella gar ssebbat yezwaren deg waṭas n yilugan n tesqamin n lxedmat tinmettiyin, deg tedbelt d tkebbaniyin n uwanek. Areṭṭal s tuget war lfayda, yettuɣal s uqeṭṭeɛ seg lexlaṣ. Axeddam ad d-yefk s umata azmul n zzwaǧ, neɣ, ma yella zzwaǧ mazal ur yettwaxdem ara, abeggen i d-yebder ulugen n daxel.

Akridi n usečči i usewǧed n uxxam

Sin yimsizwaǧen ad fernen lmeɣṛuḍ d yibenkan ɣer uzenzay amendad n lbanka-nsen, ad awin tafaturt pro forma, ad sbadun afaylu. Tarrayin ttwasegzint deg umnir n uṛeṭṭal n usečči. Ma llan sin yimsizwaǧen sɛan lexlaṣ, yal yiwen yezmer ad yesbadu afaylu i tuɣac yemxallafen, wala yiwen n ukridi yeẓẓayen aṭas.

Mourabaha

I wid i yebɣan ad snesren lfayda, isfuyla islamiyen xellṣen asewǧed n uxxam s uzenzi s rrbeḥ yettwassnen. Llsas-is yettwaglem deg umnir n uṛeṭṭal aslami.

Rrehn n yifeggagen

Mi ara d-tili lxesṛa ur nettwarǧa ara kra n wussan uqbel tameɣra, areṭṭal s rrehn n ddheb ad d-yawi idrimen s zzerb. Maca rrehn n yifeggagen n ṣṣdaq d asteqsi uɛṛiḍ: d ayla n tmeṭṭut, ma ttwaxesṛen ma yella areṭṭal ur d-yuɣal ara, ad yili d aɣbel ameqqran. Ilugan ttwaskanen deg usebter areṭṭal s rrehn.

Areṭṭal n tmeɣra: aɣawas n yidrimen ɣef 12 n wagguren

Asuddes n lxesṛat ɣef wakud ad yessemsawi aɛtab, ad yessenser asexelleṣ n kullec deg yiwen n lweqt.

1. 12 n wagguren uqbel: asbadu n tedrimt tamatut d snat n twaculin, alday n usmenni i waya kan.
2. 9 n wagguren uqbel: aṭṭaf n texxamt s tmuni yettwaxelṣen seg yidrimen yettwasmennan, mačči yakk seg ukridi.
3. 6 n wagguren uqbel: asteqsi n tesqamut n lxedmat tinmettiyin d usbadu n tsutert ma yella wakud n uṛaǧu.
4. 3 n wagguren uqbel: afran n lmeɣṛuḍ ɣer uzenzay amendad, tuṭṭfa n tfaturt pro forma d usbadu n ufaylu n ukridi.
5. Aggur n tmeɣra: axelleṣ n uɛessas n wučči d yidebbalen, aḥraz n kra n yidrimen i wayen ur nettwarǧa ara.
6. Deffir tmeɣra: aɛiwed n usmenni s tikci i d-yettwawin uqbel ula d yiwet n tuɣac tamaynut.

Xemmem seg tura ɣef uxxam

Aṭas n yimsizwaǧen ttebdun ɣer yimawlan neɣ s lkira, alamma ttafen axxam s tallalt. Ajerred deg wahil n uwanek neɣ aheyyi n ukridi n uxxam deg uzekka yessuter ur tettiliḍ ara yakan s ttlaba yeẓẓayen: akridi n lmeɣṛuḍ ɣezzifen aṭas yezmer ad yessenqes tazmert n uṛeṭṭal deg wass ara teldi tsutert. Amnir-nneɣ n ukridi n uxxam AADL yessegzay amek ttemyeqqnent tseddarin-a.

Smenni uqbel ad tnadiḍ areṭṭal n tmeɣra

Tameɣra s tuget tettwaheyya yiwen neɣ sin yiseggasen uqbel. Alday n udlis n usmenni deg CNEP neɣ n umiḍan n usmenni deg lbanka-k, d usersi n ssuma yettwasbedden yal aggur, ad yessenqes akken lḥaǧa ɣer ukridi. Amedya i usfehem: 15 000 DA yettwasmennan i 24 n wagguren ad ilin d 360 000 DA, ayen yeččuren ifeggagen neɣ amur ameqqran n texxamt.

Tamlilt n twaculin

Deg waṭas n temnaḍin, snat n twaculin ttekkint deg lxesṛat, ma d inebgawen ttaken idrimen deg tmeɣra. Ssumat-a ur ilaq ara ad ttwaḥesbent uqbel i tuɣalin n uṛeṭṭal: ssuma-nsent ur tettwassen ara. Yif ad ttwaseqdacent i uɛiwed n usmenni n leḥder i wagguren imezwura n sin yimsizwaǧen. Tamuni n twacult yettwaɛahden ilaq daɣen ad tettwasentem uqbel azmal n ula d yiwen n udevis: ɛemmi i yeqqaren ad yexelleṣ idebbalen yezmer ad ibeddel lebɣi-s, dɣa d imsizwaǧen ara yexelṣen tafaturt.

Mi ara xedmen sin yimexḍuben

Sin n lexlaṣ ttaken ugar n telqa, maca uqbel zzwaǧ yal yiwen ur yettarra deg ttlaba ala lmedxul-is. Yif ad ttwamsefhamen s tira, ula s tarrayt tafessast, anwa ara yerren acu: aqcic areṭṭal n lxedmat tinmettiyin, taqcict akridi n yibenkan n uxxam, d amedya. Ma yella lferq n lxuṭba, yal yiwen yeqqim yettwaḍleb s lqesṭ-is, ur yecqi anwa i yeṭṭfen lmeɣṛuḍ.

Areṭṭal n tmeɣra di Lezzayer: ifexxen ara tesnesreḍ

1. Aṛeṭṭal i texxamt d uɛessas n wučči, syin tuɣalin n yidrimen kraḍ n yiseggasen ɣef yiwen n yiḍ yezrin.
2. Asdukkel n ukridi ɣer uzenzay, n uṛeṭṭal n twacult d tmuni seg bab n uxeddim war ma tesmektiḍ akk iqeṭṭeɛ n waggur.
3. Afran n lmeɣṛuḍ i d-yettwawin seg berra ur nekcim ara deg ukridi n usečči, syin tuɣalin ɣer umerṭal ur nettwasileɣ.
4. Tiririt ɣef yilɣa n « ukridi n tmeɣra s zzerb » deg yiẓeḍwan inmettiyen i yessuturen lxesṛat uqbel ula d yiwen n usersi.
5. Attu belli lkira ad d-ternu ɣef yiqesṭen seg waggur amezwaru n tudert s sin.

Areṭṭal n tmeɣra di Lezzayer yettwaxemmen akken iwata ad yexelleṣ s tuget ayen yettdumun, lmeɣṛuḍ d uxxam, ad yeǧǧ tameɣra i yidrimen yettwasmennan d tukci n twacult. I yimsizwaǧen ilemẓiyen, iberdan-nniḍen llan deg umnir n uṛeṭṭal i ilemẓi azzayri.

Isteqsiyen yettuɣalen