Tagnit tadamsant i yettawin akridi deg Béchar
Tamaneɣt tamezwarut n Saoura, Béchar d tamdint n yimeẓla: tadbelt, tazmert, aselmed unnig, tiwkalin n tɣellist d tnezzut tamnaḍt. Aṭas n yimerḍilen ihi d imeẓḍawen n tegnit tazuyazt, d imdanen i ḥemmlent tbankiyin acku afrayen-nsen yeṭṭef yerna yettekcam-d ɣer lkont. Ɣer tama-nsen, llan yimsewqen, imsiwḍen, iḥeṛfiyen n lebni d yifellaḥen n tmazirin n tezdayin d yiɣerdayen yettwasswayen n uɣezzu.
Turizm n Sahara, ɣer tama n yiɣeṛmen n wakal n Taghit d yiɣerman, yesseddar ixxamen n yinebgawen, tiwkalin d yimeẓla n tikli. Armuden-a n tallit ttḥawaǧen asellef yettwaxemmen i yiɣeṛmen yettemlilen deg kra n wagguren kan. Ẓer daɣen belli abeṭṭu n tedbelt yettwabeddel s usnulfu n twilayt n Béni Abbès: i usenfaṛ yellan deg uɣezzu n Saoura, senqed ɣer wanta tanemhalt i ttuɣalen tura wakal d turagin.
Azdaɣ: akridi deg Béchar i waɣ, i lebni neɣ i useggem
Ihegginen izuyaz
Tarrayin tiɣelnawin — axxam AADL s ukrar-azenz, LPP, axxam n usnerni yettwaɛawnen d yiɛiwen n uzeṭṭa n yiɣeṛmen — rzunt daɣen tawilayt. I win yuran isem-is, akridi yettili i ukellex n tazwart d yiḥricen i d-iteddun, s tewriqin i d-yettak usnerni neɣ tawkilt. Tiferkiyin n ukellex ttwaskanent-d deg umnir-nneɣ n ukridi n wexxam di Lezzayer.
Axxam n yiwen deg temnaḍt taquranṭ
Deg Unẓul, axxam n yiwen mazal-it yeggten aṭas. Asenfaṛ n lebni ilaq ad yeḥseb ssmenyifen i ur yettwaḥsaben ara akken iwata deg ugafa: aɛazal n ssqef, aḥraz n yiẓuran seg yiṭij, aclimatizur, ibidunen n waman. Rnu-ten ɣer udevi seg tazwara: tadrimt i yettnernin deg tallit n lebni ad k-terr ad tsutreḍ asellef wis sin, i yettwaɛren yal tikkelt ugar.
Afran n yiɣawasen yettḥettim daɣen azal n wexxam. Alexpir i d-tazen tbanka ad iqeyyem azal n lebni mi ara yemmed; axxam yettwaɛazlen akken iwata, s yiɣerban yeẓẓayen d tewwura yettwasewḥalen akken ad nqes uẓɣal, yettḥrez ugar azal-is yerna yessefreḥ amerḍal ɣef uḍmanu. Ḥrez tifaturin n yiɣawasen d tewriqin n yixeddimen yettwazemlen sɣur umqawel: ttnaɛtanent i usbeggen n yal asuter n tuffɣa n yidrimen.
Dossier ateknikan yesɛa lɛeqd n tlelli neɣ lɛeqd n tedbelt n wakal, turagt n lebni, iɣawasen d udevi. Deg kra n tɣiwanin n Unẓul, aḥric seg wakal yekka-d seg yiɛiwen n Tmurt neɣ seg yiḥricen n tɣiwant: ẓer ma yella lɛeqd d aneggaru yerna yettwasuffeɣ, acku tagzemt n usekcem kan ur tekfi ara s umata akken ad yettwaru urahen.
Senqes lfatura n tezmert
Iṭij ameqqran n temnaḍt yerra iɣulafen n tafat n yiṭij d yisḥamen n waman s yiṭij d ayen yelhan aṭas. Ɣef wamek ara ttwabnun, zemren ad kecmen deg ukridi n yixeddimen neɣ deg usellef usligen, i d-yettwaskanen deg usebter akridi n tezmert n yiṭij.
Takeṛṛust, d tamsirt deg Saoura
Gar Béchar, Kenadsa, Abadla, Taghit d tɣiwanin ibeɛden ugar, ibriden ttwaḥsaben s tmerwin neɣ s twinas n yikilumitren. I twacult, takeṛṛust mačči d lfuḍul; i umsewweq neɣ i umeẓla n turizm, 4x4 neɣ takeṛṛust n uxeddim d allal n uxeddim. Afran n ufaris i ukridi deg Béchar yeqqen ɣer waya:
- i twacult: akridi n tkeṛṛust i yimdanen, i yettwaǧǧan deg tuget n tbankiyin tizuyaz i tkeṛṛusin yettwaxedmen neɣ yettwasdukklen di Lezzayer;
- i uxeddim: akridi n yibenkan neɣ leasing s yisem n tkebbanit, s tkarḍa tazegzawt s yisem n tkebbanit;
- i win yebɣan asellef war lfayda: tarrayin n mourabaha neɣ n ijara i d-ttakent yisfuyla islamiyen.
I kamyu n usiweḍ n yiɣawasen neɣ i minibus n turizm, serwes d umnir-nneɣ n ukridi n kamyu d tkeṛṛust n uxeddim. Ḥseb deg tedrimt ttamin n wuguren meṛṛa, i yettwasutren ma tella tkeṛṛust deg urahen, d useggem, i yettɣellin ugar deg yiberdan n wakal d yijdi.
Tafellaḥt n lwaḥat, tanezzut d tḥeṛfit
Timazirin n tezdayin d yiɣerdayen yettwasswayen
Tiyni, tibḥirin seddaw tezdayin d yimendi n yiɣerdayen yettwasswayen n uɣezzu bedden ɣef waman. Isuturen n usellef i d-yettɣimen d anqab, aɛawed n lebni n tfeggarin neɣ n tsegyiwin, goutte-à-goutte, aḥraz seg waḍu d texxamt n usemmiḍ. BADR d tin ɣer ttruḥun s umata; inagrawen iɣelnawen n ukridi n tfellaḥt llan dinna s tkarḍa n ufellaḥ, tawriqt n tfellaḥt d pro forma n yibenkan. Ayen yellan s telqay yella deg usebter-nneɣ ɣef ukridi n tfellaḥt i tbeḥḥirt.
Tanezzut s lǧumla d s tfelwit
Béchar tettilli d tasga n usewḍef i tmurt tameqqrant. Imsewqen s lǧumla, s waṭas, ttḥawaǧen tadrimt akken ad semlilen asigez uqbel tallitin n usuter ameqqran, ladɣa Remdan d tuɣalin ɣer uɣerbaz. Découvert yettwasirgen neɣ akridi n tallit n tnezzut yettak tiririt ugar n ukridi n wakud aɣezzfan.
Taḥeṛfit d turizm
Azeṭṭa, tiqbuct, axeddim n yilem, aɛawed n lebni n yixxamen n yiɣerman d yixxamen n yinebgawen: isenfaṛen-a s waṭas meẓẓiyit. Amikrukridi n ANGEM, inagrawen n ANADE d ukridi n tbanka aklasiki d tlata n tewwura yemgaraden; ilisen-nsen d tiwtilin-nsen ttwasufuɣent sɣur yal tawkilt yerna ttbeddilent.
Amedya i usegzi: tadrimt n umsewweq i yebɣan ad yesɛu ibenkan
Ahanut s lǧumla yebɣa ad yaɣ takeṛṛust n uxeddim d texxamt n usemmiḍ akken ad iḥrez ayefki d tiyni. Uṭṭunen-a d iẓewran yettwafernen i umedya; d tabanka kan i izemren ad tsentem lfayda d lmeṣṣaref.
| Aferdis | Azal |
|---|---|
| Takeṛṛust n uxeddim tamaynut | 4 000 000 DA |
| Taxxamt n usemmiḍ yettwasbedden | 1 000 000 DA |
| Asegrew meṛṛa | 5 000 000 DA |
| Tazwart 30 % | 1 500 000 DA |
| Akridi yettwasutren | 3 500 000 DA |
| Aqerru n yidrimen ara yettwarren i wayyur deg 60 n wagguren | azal n 58 300 DA |
Ɣer taxelṣit-a n uqerru ad rnun lfayda neɣ rrbeḥ, ttamin d lmeṣṣaref-nniḍen ma llan. Amsewweq ilaq ad d-yesbeggen, s yizrawen n lbanka-s d yixeṣṣa-s n lḍṛiba, belli armud-is yettak-d s wudem yeṭṭfen ugar n wazal-a.
Bnu dossier-ik n ukridi deg Béchar
Iẓeḍwan imeqqranen izuyaz (BNA, CPA, BADR, BEA, BDL, CNEP-Banque) llan deg Béchar, ma d asumer n tbankiyin tusligin d tislamiyin dinna drus ɣef wayen yellan deg tmdinin timeqqranin n Ugafa. Kra n yidussiyen imeqqranen ttalin ɣer tnemhalt tamnaḍt, ayen yessɣezzifen akud: efk dossier yemmden seg temlilit tamezwarut akken ad tesḥadreḍ asikel n ddurt d tuɣalin.
- Sdukkel tiwriqin n waddad aɣerfan: takarḍa n tmagit, tawriqt n tlalit, tawriqt n twacult, tawriqt n tezdeɣt.
- I win yesɛan lexlaṣ: tawriqt n uxeddim tamaynut d yizrawen ineggura n lexlaṣ; i umeẓḍaw n tedbelt, s waṭas ttsutrent ad yili lexlaṣ yettekcam ɣer tbanka ara isellfen.
- I win yxeddmen i yiman-is: ajerred n tnezzut neɣ takarḍa n uḥeṛfi, NIF, ixeṣṣa n lḍṛiba, izrawen n lkont.
- I wayen ara yettwasellfen: lɛeqd n lmuwetteq, turagt n lebni, adevi neɣ tafaturt pro forma.
Imeẓḍawen n tegnit tazuyazt ad afen iwellihen-nniḍen deg usebter-nneɣ akridi i umeẓḍaw n tedbelt. Akridi deg Béchar yeddan akken iwata yebded daɣen ɣef yiwen n leḥder fessusen: agi kra n usumer n win i d-yeqqaren d amsebrek, i yettsutur ad t-txellṣeḍ uqbel amsefham, d ayen ur yesɛin acemma d lbanka.
Isteqsiyen yettuɣalen
Nezmer ad nawi akridi deg Béchar war ma nruḥ ɣer Ugafa?
Ih. Tibankiyin tizuyaz tigejdanin sɛant tiwkalin deg Béchar yerna ttḥeggint dinna ikriḍiyen n wexxam, n tkeṛṛusin d uxeddim ɣef tiwtilin-nsent tiɣelnawin. D kra kan n yidussiyen imeqqranen i yettwasentmen sɣur tnemhalt tamnaḍt neɣ axxam agejdan, ayen yezmren ad yessɣezzef akud n tririt, maca amsaɣ s umata ur yettruḥu ara s yiman-is.
Tagzemt n usekcem n wakal tekfa i ukridi n lebni?
S umata ala. Tabanka tettḥawaj lɛeqd aneggaru anda tezmer ad tura arahen: lɛeqd n lmuwetteq neɣ lɛeqd n tedbelt yettwasuffɣen deg lmuḥafaḍa n wakal. Ma yella tesɛiḍ kan tagzemt n usekcem, steqsi iqeddacen n domaines ɣef tikliwin n usseggem uqbel ad tefkeḍ asuter-ik n usellef.
Anwa asellef i uxxam n yinebgawen deg Taghit?
Asenfaṛ n turizm yeqqen ɣer usellef n uxeddim: akridi n usegrew n tbanka, anagraw ANADE ma tellid deg wid izemren, neɣ tarrayt taslamit am mourabaha i yibenkan. Heggi aɣawas n usellef yellan d tidet i yettḥesben tallit, acku iɣeṛmen ttemlilen deg wagguren n tiẓegzi, yerna ḥrez kra n tedrimt i unebdu.
Tibankiyin tislamiyin llant deg Béchar?
Asumer aslami yettɛeddi ugar seg yisfuyla n lbanka tislamit i ldint tbankiyin tizuyaz seg lqanun n 2020 n Banque d'Algérie, ayen i t-yerran yella deg tiwkalin yellan yakan. Tibankiyin tislamiyin meṛṛa am Al Baraka neɣ Al Salam llant ugar deg tmdinin timeqqranin n Ugafa. Steqsi lagence-ik ɣef yifarisen i yettwazzenzen s tidet.
Tisuddas n wereḍḍal ara testeqsiḍ
CPA — Mourabaha Aqar Algériens à l'étrangerTabanka tamenḍawt yesɛan asfaylu n tdrimt tineslemt — Asmuddu n uxxam ineslem n CPA (Mourabaha Aqar, Ijara) i Yezzayriyen yezdɣen di berra.Natixis Algérie — Crédit de trésorerieTabanka tusligt s yirasmalen n berra, yettwasirgen sɣur Banque d'Algérie — Découvert, tisehlin n tsenduqt, escompte d yisellafen ɣef tfaturin i ugerruj n yal ass.Fransabank El Djazair — Financement de l'investissementTabanka tusligt s yirasmalen n berra, yettwasirgen sɣur Banque d'Algérie — Asmuddu n yisenfaren n usmussu n tsuddsin sɣur Fransabank El Djazair.Bank ABC Algérie — Direct Working Capital FinanceTabanka tusligt s yirasmalen n berra, yettwasirgen sɣur Banque d'Algérie — Asmuddu ɣef tallit taqeṣṣirt: découvert, affacturage d escompte n tewriqin n tnezzut i yisraten n ugerruj.Tabdart i usisen kan: Algerie-Credit.com ur yeqqin ɣer yiwet seg tsuddas-a, ur d-yettak ara areḍḍal. Senqed tiwtilin n tura ɣer tsuddest s timmad-is.