Akridi di Ɣerdaya: asfeǧǧ n usenfar deg wasif n M’Zab d wayen d-yeqqimen deg twilayt

Ɣerdaya, tadamsa n yinezzazen, n yinaẓuren d tebḥirin n tezdayin

Tawilayt n Ɣerdaya teṭṭef amḍiq ur nettemcabi deg unẓul n Lezzayer. Asif n M’Zab, s semmus n yiɣerman-is n umezruy (Ɣerdaya, Beni Isguen, Melika, Bounoura d El Atteuf), yettwakteb deg uɣbalu n umaḍal n UNESCO, yerna tamnaḍt tettwassen deg tmurt merra s lɛada-ines n tnezzut. Aṭas n twaculin timzabiyin ṭṭfent tiḥuna n usebzeg d tid n uzenzi s yiḥricen, ugar n tlisa n twilayt, ma d Metlili, Berriane, Guerrara neɣ Zelfana ddrent ugar s tfellaḥt n unẓul, s tyerza n lmal d yimeẓla.

Tabadut-a n tdamsa tettwehhi srid yal asuter n ukridi di Ɣerdaya. Da ur ttmeslayen ara aṭas ɣef lekra n usečči, ttmeslayen ugar ɣef stock ara yettwasfeǧǧen, ɣef twaṛcat ara yettwaseɣwen, ɣef tenqiwt n waman i tebḥirt n tezdayin neɣ ɣef uxxam n twacult ara yettwasimɣer. Isuran s umata d imahilen neɣ d ayla, yerna tadelsa n tmnaḍt n usfeǧǧ s yidrimen n yiman-ik terra lekra d tamernit i tefka n twacult, mačči d asemselsi-ines.

Tamnaḍt yettwabḍan tikkelt nniḍen

Seg ubḍu aneggaru n tedbelt, El Menia tuɣal d tawilayt s yiman-is. Amezdaɣ n El Menia ur yeqqen ara ihi ɣer yiwet n tnemhalin n twilayt am umezdaɣ n wasif i yiɣawasen n uxxam neɣ n tallalt i tfellaḥt, ɣas ma iẓeḍwan n tbankiwin qqimen ttwasuddsen ɣef uswir n tmnaḍt.

Anwa akridi di Ɣerdaya ɣef leḥsab n urmud-ik?

Akken ad tewhhiḍ asuter-ik n ukridi di Ɣerdaya, tafelwit-a yeddaw tesdukkul imaɣnuten yettuɣalen deg twilayt d tifrat i asen-ilaqen ugar. Mačči d tifrat tidiganin s timmad-nsent: ifarisen d inaṣlanen, maca azal-nsen yemgarad ɣef leḥsab n tdamsa n tmnaḍt.

I yinaẓuren n wasif, asebter-nneɣ yerzan lekra i unaẓur azzayri yesfehm-d amek ara d-tessekneḍ takarḍa n unaẓur i d-tettak CAM deffir n ujerred, akk d yidevi n yibenkan.

Tadrimt tislamit: asran ameqqran s waṭas deg wasif n M’Zab

Deg tmnaḍt ideg aṭas n yinezzazen ugin lfayda n lbanka, alday n tewwura n tdrimt tislamit deg tbankiwin tizayazin, i yettwasirgen s uḍris n Banque d’Algérie i d-yeffɣen deg 2020, ibeddel kullec. BNA, CPA, BADR, BEA, BDL d CNEP-Banque ttakent tura ifarisen yemṣadan d cciɛa, yettwaqblen sɣur ukumitu n umṣada acarɛi, ɣer yidis n tbankiwin yakan yettwaxtaren am Al Baraka d Al Salam.

Mourabaha i tnezzut, salam i tmegra

I unezzaz n Ɣerdaya, mourabaha d tifrat taɣamant ugar: lbanka tettaɣ sselɛa neɣ ibenk ɣer umefkay, tuɣal d tamlit-is, syin tettzenz-it i umsaɣ s urbaḥ yettwaktaben deg lɛeqd, ara yettwaxelṣen s yiḥricen. Ssuma taneggarut ur tettbeddil ara deffir n uzmul. I ufellaḥ, salam yetteddu s wudem nniḍen: lbanka txelleṣ send tamegra ara d-yasen, amedya tiyni, ideg tukta, tasmekta d wass n uzzref ttwasbadun seg tazwara. Amnir-nneɣ ɣef salam n tfellaḥt yesfehm-d amek yetteddu.

Senqed yal tikkelt ma lɛeqd i d-yettwasekna d islami yesbeggen-d tiɣawsa yettwaɣen, ssuma n tiɣin, arbaḥ d uwitay; tabzimt n tnezzut kan ur tekfi ara.

Lebni neɣ asimɣur n uxxam di Ɣerdaya

Lebni yeqqim d asenfar amezwaru n wayla n twaculin n twilayt. Kra n tlufa tidiganin ilaq ad ttwaḥesbent send ad tessutreḍ asfeǧǧ.

• Tamnaḍt yettwaḥerzen: deg yiɣerman yettwakesben d yiṛuraḍ-nsen, yal lebni neɣ abeddel yeddu s yilugan n tẓuri n lebni iqeḥḥen. Turagt n lebni ilaq ad ten-teḥsab, yerna lbanka ur tettserriḥ ula d ayen war-s.
• Iyakalen ur nettwabḍa: aṭas n tferkiwin d ayla n twacult tameqqrant. Ilaq lɛeqd n lmuwetteq neɣ adlis n wakal ara d-yesfehmen izerfan n umessuter akken ad yili rrehn.
• Aɣbel n waman ameqqran: tiḥemlin n wasif n M’Zab, ladɣa tid n 2008, ǧǧant lǧerra deg tmnaḍt. Aḍman mgal tiwaɣit tigamanin, i d ilaq s lqanun, ilaq ad yettwaxdem, yerna akal deg tmnaḍt n tḥemlin yezmer ad yesseɛreq tasmuqqelt n ulmud (expertise).
• Lebni s yiḥricen: asfeǧǧ s umata yettwafk s yiswiren (isurar, lebni ameqqran, tifukkiwin) mi ara d-tsekneḍ tiwreqin n waddad n leqdic.

Iɣawasen izayazen n uxxam (AADL, LPA, axxam n tmettiwt d tallalt i uxxam n tudrin) llan daɣen deg twilayt; ajerred d tisemktiwin-nsen ttwasefraken sɣur tkebbaniyin d yimeẓla n uxxam, mačči sɣur tbankiwin. Tifrat istisna’a i lebni d abeddel islami ilaqen i yixxamen ara yettwabnun s yiswiren.

Amedya i usfehem: asimɣur n uxxam n twacult

Yiwet n twacult n Bounoura tebɣa ad ternu yiwen n uswir, idevi n umqawel yesqam-it 4 000 000 DA. Tettawi-d 1 500 000 DA n tedrimt yettwasmenɣsen d tallalin n twacult. Asran n usfeǧǧ ihi d 2 500 000 DA. Deg 10 n yiseggasen, aqerru kan yesqam 2 500 000 ÷ 120 = azal n 20 833 DA yal ayyur, send arbaḥ neɣ lfayda, aḍman d yisenfaqen. Ma yella tadrimt n uxxam d 110 000 DA, yerna yefka-d i yiman-is ur yettɛeddi ara kraḍ deg tadrimt-a, d azal n 36 600 DA, lḥaǧa-a teqqim tezmer ad tettwag s tallunt n leḥder, ma yella ssuma n usfeǧǧ i d-tbeggen lbanka ur tt-tessufuɣ ara seg tlisa-a.

Tafellaḥt n unẓul: asfeǧǧ n waman send tizdayin

Deg temnaḍin n tfellaḥt n Metlili, Zelfana neɣ Guerrara, arbaḥ n tfellaḥt yeqqen di tazwara ɣer waman. Asenfaq ameqqran ugar s umata d tanqiwt n waman, tamakint n ujbad d uẓeḍḍa n usweḥ, send ad taɣeḍ ifurkan. BADR, lbanka n umezruy n tudrin, tettak ikridiyen n tallit am ukridi Rfig d ikridiyen n usegmi n tfellaḥt; tiwtilin s telqey d ussenqes n lfayda ilaq ad ten-tesneqdeḍ deg yisemli-ines unṣiben.

Tazdayt tamecṭuḥt teṭṭef aṭas n yiseggasen send ad d-tefk s tidet. Afellaḥ yettẓẓun ilaq ihi ad yessuter tallit n uṛaǧu neɣ tallit n uxelleṣ ara yeḥsben akud-a ur d-nettawi ula d ayen. Ilaq daɣen ad d-yesken lɛeqd n uqbal (concession) neɣ n wayla n wakal, takarḍa n ufellaḥ i d-tettak Texxamt n tfellaḥt d yidevi s telqey i tenqiwt n waman. Tiwilayin i d-yezzin sɛant tignatin yemcabin: semyezg d usebter-nneɣ ɣef ukridi di El Oued.

Aheggi n udossier-ik n ukridi di Ɣerdaya ɣer tlemsiwin

I ukridi di Ɣerdaya, tibankiwin tizayazin timeqqranin, akk d tbankiwin tislamiyin, sɛant tilemsiwin deg temdint tamenzut d tɣiwanin timeqqranin n twilayt. Afran n tlemsit yesɛa azal ugar i users n yidrimen: lbanka yettaṭṭfen yakan lexlaṣ, azal n tnezzut neɣ idrimen n tfellaḥt n umessuter tessen tazwert-is n yidrimen, tettmuqqul asuter-ines s tifessast.

1. Sdukkel tiwreqin n waddad n yimdanen (takarḍa n timagit, tawreqt n twacult, aselkin n tnezduɣt).
2. Beggen-d tadrimt: asmezrey n yidrimen i uxeddam, ajerred n tnezzut, ibilanen d tbadutin n lexlaṣ n tbaṭ i unezzaz, takarḍa n unaẓur neɣ n ufellaḥ.
3. Seddu-d tiwreqin n usenfar: tafaktuṛt pro forma, idevi n umqawel, turagt n lebni, lɛeqd n lmuwetteq.
4. Semyezg ma drus sin n tbankiwin, tamagnut d tislamit, ɣef ssuma tamatut d tḍmanin yettwasutren.
5. Ur xelleṣ yiwen akken ad « yesɣiwel » aqbal: isenfaqen n lḥeqq ttwakksen sɣur lbanka s yiman-is.

Ad tawiḍ akridi di Ɣerdaya yebna ihi ɣef yilugan-nni kan am deg Lezzayer merra, maca adossier yettwabnan akken iwata yeḥsab ayen yessemgaraden twilayt: tanezzut, tanaẓurt, tabḥirt n tezdayin d uxxam n twacult.

Isteqsiyen yettuɣalen