Suf, tadamsa i yettwellihen akridi di Lwad
Deg kra n yiseggasen, tamnaḍt n Suf tuɣal d yiwen seg yimukan imeqqranen n tfellaḥt di Seḥra tazzayrit. Ɣer tiɣezrin n tazdayt n zik yettwaẓẓan deg ghouts, ifran-a yettwaɣzan deg yijdi akken ad awḍen ɣer waman n lqaɛa, rnan-d yigran imeqqranen s tissit n pivots: lbaṭaṭa ugar, maca daɣen tibexsisin, lkawkaw d tgrurt ddaw serres. Tiyni, gar-asent Deglet Nour, teqqim d afaris amuqran.
Ɣer tama n tfellaḥt, tanezzut d amsenker n temdint seg zik, i yettwassnen s yimnuza-ines d tnezzut-is d usammar n tmurt d Tunes i d-yezgan. Asiweḍ n tɣawsiwin, taḥerfit, lebni d yimeẓla kemmlen tugna. Ihi tiɣerbiwin n wadeg ttawint-d aṭas n tuttriwin n uǧhaz n tfellaḥt d tnezzut, ugar n twilayt anda yugar uxeddim n tadawla.
Tallit n yal aseggas i d-yettbanen
Tamegra n lbaṭaṭa d tallit n tiyni sdukkulent idrimen deg kra n wayyuren. Adossier yettwamnen yettak-d awitay n tdrimt ayyur s wayyur: melmi ara d-kecmen yidrimen, melmi ara ffɣen, d melmi ara tettwaxelleṣ tikkelt. Axelleṣ n yal ayyur s yiwet n ssuma mačči yal tikkelt d ayen yelhan i yiger; steqsi ma yezmer ad yili ussiden n kraḍ n wayyuren neɣ yeqqnen ɣer tmegra.
Tafellaḥt s tissit: pivots, forages d tezmert
Aḥric amenzu n usexdem n yidrimen n ufellaḥ n Suf d aman: forage, pompe, aẓeṭṭa n tissit, pivot. Syin tezmert (énergie), acku ajbad n waman seg lqay yesqam aṭas, ladɣa deg tmurin yebɛden ɣef uẓeṭṭa n trisiti i yetteddun s groupe électrogène. D ayen ara yerren pompage solaire yettnerni s ccan-is di temnaḍt; asebter-nneɣ ɣef ukridi n tezmert n yiṭij yesfehem amek ara t-tesmewleḍ.
Ayen i ttmuqulent BADR d tbankiwin nniḍen
- Atitre n wanekcum ɣer wakal n tfellaḥt: lɛeqd n concession, atitre n ayla neɣ attestation d’exploitation, ilmend n unagraw n wakal.
- Tasiregt n forage i d-ttakent yimeẓla n hydraulique, war-s asexdem n yidrimen deg waman ur yeǧhid ara.
- Takarḍa n ufellaḥ d usekles ɣer chambre d’agriculture.
- Tifaktuṛin pro forma n yiǧhazen: pivot, pompe immergée, isɣunen, panneaux, serres.
- Amiḍan n usexdem i d-yettwaṛǧan s ufaris, ssuma n uzenzi d tsuraf.
Amnir n ukridi n tfellaḥt i tfirma yesfehem tiwraqin-a. Iɣawasen bonifiés am Rfig neɣ Ettahadi, i d-tettak BADR, ɛawnen aṭas n yifellaḥen; senqed deg tɣerbit ma mazal llan d tewtilin n wanekcum.
Amedya i usfehem: kit n pompage solaire ɣef tmurt yebɛden
Amedya i usfehem, imḍanen yettwaqerben yerna d tiwtilin kan. Afellaḥ yessexsar 900 000 DA deg useggas ɣef gasoil d 100 000 DA ɣef tuṭṭfa n groupe électrogène-is, ihi 1 000 000 DA. Kit n yiṭij yesqam 3 000 000 DA; yettak-d 600 000 DA yerna yesmewal 2 400 000 DA ɣef ukuẓ n yiseggasen, ihi 600 000 DA n capital deg useggas. Ayen i d-yettwaḥerzen deg gasoil d tuṭṭfa, 1 000 000 DA, yeṭṭef capital-a yerna yeǧǧa 400 000 DA i tsebbaḍt neɣ i lfayda d tuṭṭfa n panneaux. Ma yella ssuma n gasoil teqqim d tamecṭuḥt, ayen yettwaḥerzen ad yenqes, yerna aḥsab ilaq ad yettwaɛawed.
Tiyni, salam d tifrat tislamiyin
Imesbaɣuren n tezdayin sɛan tuttra n tdrimt uqbel tamegra: tilqiḥt, tissit, ixeddamen, asekcem n yiɛerjunen deg yisaken. Lɛeqd n salam i usmewel n tfellaḥt yemṣada d waya: lbanka txelleṣ ass-a tiktit n tiyni neɣ n lbaṭaṭa ara d-yettwafken deg wass yettwasbedden, s tlqayin n tɣara s telqay. I yiǧhazen, ijara (lekra s tfrat n uɣ yemṣadan d ccariɛa) neɣ mourabaha mṣadant ugar.
Tiwwura tislamiyin n tbankiwin tiẓayezin, i yettwaldin mbeɛd alugen n Banque d’Algérie n 2020, llant deg kra n tɣerbiwin n twilayt. Yal afaris ilaq ad yettwaqbel sɣur asqamu n ccariɛa n lbanka; ssuter ad twaliḍ tafeggagt n ufaris deg wadeg n umeslay kan.
Tanezzut, taḥerfit d usiweḍ n tɣawsiwin
Tanezzut, azuzer n yimenzaɣ n lebni, agroalimentaire (asekcem n tiyni deg tbewwaḍin, tixxamin n usemmiḍ i lbaṭaṭa) d usiweḍ ɣef yiberdan ṭṭfen amur ameqqran seg tuttriwin timahilin. Taxxamt n usemmiḍ, d amedya, tettaǧǧa ad teḥrezeḍ tamegra yerna ad tzenzeḍ beṛṛa n tallit s ssuma yugaren: d asexdem n yidrimen n Suf s tidet, i yettwasmewlen s ukridi n tallit talemmast neɣ s leasing.
- I uḥerfi (aẓeṭṭa, menuiserie, métallerie), ẓer asebter-nneɣ ɣef ukridi i uḥerfi azzayri.
- I kamyun n usemmiḍ neɣ i porteur, lbanka tessuter carte grise i d-yettwaṛǧan, tafaktuṛt pro forma n concessionnaire d registre du commerce n uxeddim n usiweḍ.
- Ilmeẓyen yesnulfuyen zemren ad ɛeddin s ANADE, i yesdukkulen akridi n lbanka d ukridi war lfayda s tewtilin.
Axxam d tudert n twacult di twilayt
Lwad, i wumi qqaren tamdint n alef n tqubbiyin ɣef lebni-ines n zik, twala tiɣiwanin-is ttimɣurent s lemɣawla. Iɣawasen inamuren AADL, LPP, LPA d uxxam n teqbilt ttwasbeddent dinna am deg wayeg nniḍen, maca lebni s yiman yeqqim yettwassen aṭas. I lebni, tiwraqin n yal tikkelt ttwasersent: lɛeqd n ayla, permis de construire n APC, idevis d yisbeggnen n yidrimen. Tiwaculin yesɛan yiwen di berra rennunt s waṭas idrimen-is ɣer usenfar, s tewtilin i tqebel lbanka.
Ad theggiḍ ssuma nniḍen n lehna n tezɣelt
Ddaw n lǧerra anda anebdu yettɛeddi s tlufa 40 n tfesniwin, axxam n Suf yessuter afran i yezzayen ɣef ubudget: iɣerban yeẓẓayen ugar neɣ s usegdel, tiqubbiyin d yiwettaḍen n zik, climatisation deg waṭas n texxamin, taciterna n waman. Sekcem iḥricen-a deg devis ara tefkeḍ i lbanka seg tazwara. Ma ten-tufiḍ deg tlemmast n uchantier, ad tettuḥettmeḍ ad d-tekkseḍ seg uḥraz yettwahyyan i wayen ur nettwaṛǧa ara neɣ ad tessutreḍ akridi wis sin, i yewɛren yal tikkelt.
I uǧhaz n uxxam neɣ i tkeṛṛust, tibankiwin tiẓayezin ttakent-d ikridiyen n uqraḍ yettwasbedden d usmewel n tkeṛṛusin. Axeddam yesɛan seg zik lexlaṣ-is deg tɣerbit-is s umata yettaf tiririt s lemɣawla ugar n umsaɣ amaynut.
Serwes tiɣerbiwin uqbel ad tessutreḍ akridi di Lwad
BADR, BNA, CPA, BEA, BDL d CNEP-Banque llant di temdint tamenzut d deg kra n tdayrin am Gmar, Dbila, Rebbaḥ neɣ Reguiba ilmend n yiẓeṭṭan, yerna kra n tbankiwin tusligin llant di temdint. Uqbel ad tefreneḍ, serwes ɣef yiwet n ssuma d yiwet n tallit ssuma tummidt, tisuraf n udossier, aḍman d tefsit n uwitay n uxelleṣ. I ufellaḥ, tafsit-a tesɛa s waṭas azal ugar n umgired amecṭuḥ n taux.
Ma yella asenfar-ik yerza daɣen tamnaḍt i d-yezgan n Zibans, ẓer asebter-nneɣ ɣef ukridi di Biskra, d tamnaḍt nniḍen n tfellaḥt n Seḥra s yiɣbula i asen-yecban. Ugi yal asumer n « usishel » s yidrimen: tamuqqra n udossier n ukridi di Lwad ur tettɛeddi ɣef kra n umsiwel i yettwaxelṣen s yidrimen n ufus.
Isteqsiyen yettuɣalen
Anwa lbanka i yesmewalen pivots d forages di Lwad?
BADR d lbanka tamuqqrant i tfellaḥt yerna tettekki deg tissit, forages d yiǧhazen n tfellaḥt. Tibankiwin tiẓayezin nniḍen d tsudwin n leasing zemrent ad smewlent iǧhazen. Deg yal tagnit, ad ttwasutrent tasiregt n forage, atitre n wanekcum ɣer wakal d tfaktuṛin pro forma, akked umiḍan i d-yettwaṛǧan i d-yesbeggnen afaris ara d-yasen.
Nezmer ad nexelleṣ akridi n tfellaḥt s urmid n tmegriwin?
Kra n tifrat n tfellaḥt ttakent-d axelleṣ ilmend n tallit neɣ aɛeṭṭel yeqqnen ɣer tezzya n ufaris, deg wadeg n tikkelt n yal ayyur. Mačči d ayen yettwaxedmen waḥd-s: ilaq ad t-tessutreḍ yerna ad d-tesbeggneḍ awitay n yidrimen ara d-ikecmen. Efk-d aɣawas n tdrimt ayyur s wayyur i d-yemmalen melmi ara ttwazenzen lbaṭaṭa neɣ tiyni.
Salam yemṣada d umesbaɣur n tiyni n Suf?
Salam yemṣada akken iwata d tuttra n usmewel uqbel tamegra: lbanka txelleṣ zik tiktit n tiyni ara d-yettwafken mbeɛd, s tɣara yettwasbedden. Yessuter ad tḥesbeḍ akken iwata afaris-ik, acku lɛahd n usiweḍ yeǧhed. Afaris ilaq ad t-id-tefk lbanka yerna ad yettwaqbel sɣur asqamu-ines n ccariɛa.
Idrimen n yiwen seg twacult yellan di berra zemren ad ɛiwnen deg usmewel n uxxam di Lwad?
Ih, mi ara tqebel lbanka amerḍil-nniḍen non-résident neɣ ma yewwi netta s yiman-is akridi yettwahyyan i diaspora. Idrimen-is ad ttwabeddlen ɣer yidinaren s uḥader yerna tisuraf-is di berra ad ttwakksent. Apport yettwazen s wudem i yezmren ad yettwaḍfer ɣer umiḍan di Lezzayer ad yesǧehed daɣen adossier n lebni n twacult.
Tisuddas n wereḍḍal ara testeqsiḍ
FGAR — Fonds de garantie des crédits aux PMETasenduqt tamenḍawt n uḍman n yirdalen — FGAR yeḍmen aḥric seg yiṛdalen n usmussu n tbankiwin i yettunefken i PME n Lezzayer.ANGEM — Services financiersTadbelt tamenḍawt n wardal amecṭuḥ — Iṛdalen imecṭaḥ n ANGEM: ardal war afmiḍi i tɣawsiwin tizwura d usmuddu s kraḍ n yiḥricen akked tbanka.BNA — Financement ANGEMTabanka tamenḍawt yettwasirgen sɣur Banque d'Algérie — Ardal n tbanka n BNA i yimeskaren n yisenfaren i yezmren ad kecmen deg ugraw n wardal amecṭuḥ ANGEM.CPA — Crédit NESDATabanka tamenḍawt yettwasirgen sɣur Banque d'Algérie — Ardal yettwallen n CPA i tsuddsin timecṭaḥin yettwasnulfan deg ugraw NESDA (ANADE, zik ANSEJ).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.

