Akridi di Larbaa: anwi tifrat i yimezdaɣ n usammar n Mitidja

Larbaa, gar tebḥirin n Mitidja d umḍiq n lxedma n Lezzayer tamanaɣt

D taɣiwant n twilayt n Lblida yellan deg usammar n Mitidja, ddaw Atlas n Lblida, Larbaa tettidir s snat n tilawin ttemyagarent. Seg yiwen n yidis, lɛada taqburt n tfellaḥt, s tebḥirin n leqwareṣ, s lxeḍra d tẓuliyin (serres) i yettaken i yisuqen n usebzeg n tmnaḍt. Seg yidis nniḍen, imezdaɣ yettnernin n yixeddamen yesxeddmen di Lezzayer, deg temnaḍin n urmud n usammar n tmanaɣt neɣ deg tɣiwanin i d-yezzin am Meftah, Bougara neɣ Ouled Slama, yerna ttṛuḥun ttuɣalen yal ass.

Timagit-a tasnawant tesfehm-d ayɣer asuter n ukridi di Larbaa yemgarad akka: afellaḥ n yisekla yettnadi ad yejdeḍ tabḥirt neɣ ad yesbedd asweḥ s tiqqit, tawacult tebɣa ad tesimɣer axxam i bnan yimawlan, axeddam amecṭuḥ yeḥwaǧ takeṛṛust akken ad yawweḍ ɣer lxedma-s, anezzaz yebɣa ad yesseɣwen taḥanut tameqqrant tamecṭuḥt. Ifarisen n lbanka d inaṣlanen, maca tazwara-nsen temgarad seg uxxam ɣer wayeḍ.

Ma d afellaḥ neɣ d amsexdem n wakal deg usammar n Mitidja

Mitidja teqqim d yiwet seg tewririn n tfellaḥt ugar n lxir di tmurt, yerna tafellaḥt n leqwareṣ teṭṭef deg-s amḍiq n umezruy. Tifellaḥin s umata d tilemmasin, n twaculin, tikwal xeddmen-tent aṭas n watmaten ɣef yiwen n wakal, ayen yessutren ad yettwasfehm anwa ara iṛḍlen d wanwa ara yezmlen. Isuran n usfeǧǧ ḍefren awitay n tfellaḥt: tiɣawsiwin tidawanin d yixeddamen n tallit, ajdeḍ n tebḥirin tiqburin, tiẓuliyin, ibenkan n ujeggeḥ, taxxamt n usemmiḍ akken ad tezzenzeḍ akken iwata deffir tmegra.

Tifrat yemṣadan

• Akridi n tallit: BADR tettak akridi Rfig i yisenfaqen n yiwet n tallit, ara yettwaxelṣen deffir uzenzi n lxedma. Tiwtilin n ussenqes n lfayda ilaq ad tent-tesneqdeḍ deg yisemli-ines unṣiben.
• Akridi n usegmi n tfellaḥt: i tebḥirt, i tenqiwt n waman, i yibenkan neɣ i uxxam n tfellaḥt, s tallit teɣzef ugar.
• Salam: deg tewwura tislamiyin, lbanka txelleṣ send tamegra ara d-yasen yettwabdan s telqey deg lɛeqd.
• Ijara: akraw s tifrat n tiɣin n traktuṛ neɣ n tmacint n ujeggeḥ, war ma tḥebbseḍ tadrimt-ik yettwasmenɣsen.

Tabḥirt tamecṭuḥt n leqwareṣ ur d-tettak tamegra s tidet ala deffir aṭas n yiseggasen. Yal asuter n tazzla tamaynut ilaq ihi ad yeḥseb aṛaǧu neɣ tadrimt nniḍen deg umḍiq-is. Tiwreqin tigejdanin d takarḍa n ufellaḥ n Texxamt n tfellaḥt, lɛeqd n wayla neɣ n uqbal (concession) ɣef wakal d yidevi s telqey. Amnir-nneɣ ɣef ukridi n tfellaḥt i usexdem n wakal yesfehm-d iferdisen-a s telqey.

Ma txeddmeḍ di Lezzayer, tettidireḍ di Larbaa

I yixeddamen yettṛuḥun ttuɣalen, akridi di Larbaa yerra ugar ɣef sin n yisuran: takeṛṛust d uxxam. Adossier-nsen s umata iǧehhed, acku lexlaṣ yettuɣalen i d-tettak tedbelt neɣ tasudawt yettwassnen d ayen s telqey i ssnent tbankiwin ad t-mmuqlent.

Takeṛṛust, d allal n lxedma

Akridi n tkeṛṛust yerza tikeṛṛusin yettwafarsen neɣ yettwasdukklen di Lezzayer; tiwwura tislamiyin ttakent daɣen tiɣin s mourabaha neɣ s ijara. Asebter-nneɣ ɣef lekra n tkeṛṛust di Lezzayer yesdukkel-d tiwtilin timatutin.

Amedya i usfehem: Amine, d atiknisyan deg yiwet n tsudawt di Rouiba, yettaṭṭef 90 000 DA zeddigen yal ayyur. Yebɣa takeṛṛust n 2 800 000 DA yerna yesɛa 800 000 DA n tedrimt yettwasmenɣsen. Qqimen 2 000 000 DA ara yettwasfeǧǧen. Deg 5 n yiseggasen, aqerru kan yesqam 2 000 000 ÷ 60 ≈ 33 333 DA yal ayyur, d azal n 37 % seg lexlaṣ-is send lfayda, aḍman d yisenfaqen. Aswir-a yezmer ad yɛeddi talast n ttlaba i tefren lbanka-s. Ma yessali tafka-s ɣer 1 200 000 DA, aqerru ara yexelleṣ yeɣli ɣer 1 600 000 DA, d azal n 26 667 DA yal ayyur, qrib 30 % seg tedrimt-is. Aḥsab-a, i usken kan, yesskan-d ayen ixeddem srid tafka.

Tiɣin neɣ lebni qrib n lxedma

Kra n yixeddamen ttwaḥiren gar tiɣin n uxxam qrib ugar n Lezzayer d lebni ɣef wakal n twacult di Larbaa. Afran wis sin s umata yesqam drus, maca yessuter turagt n lebni, lɛeqd n wayla yeffɣen i tafat d lebni yettwaḍefren s yiḥricen. Amezwaru yessuter ssuma tameqqrant ugar d tefka tameqqrant. Semyezg d usebter-nneɣ ɣef ukridi di Lezzayer tamanaɣt send ad tegzmeḍ.

Axxam: iɣawasen izayazen d ukridi di Larbaa

Tawilayt n Lblida tesɛa aṭas n yiɣawasen n uxxam, gar-asen imḍiqen AADL d temdint tamaynut n Bouinan. Ajerred, tibdarin n wid ara yawin d yiwitayen ttuɣalen ɣer AADL, OPGI neɣ imeẓla n uxxam n twilayt, mačči ɣer tbankiwin. Akridi di Larbaa yettas-d deffir: asfeǧǧ n yiwen n uḥric ara yettwaxelṣen, n uxxam n usnerni yettwaɛawnen neɣ n leqdic n uheggi deffir n ufak n tsura.

• Lebni ɣef wakal-ik: akridi n lebni neɣ istisna’a, s usufeɣ n yidrimen s leɛqel ɣef leḥsab n waddad n leqdic.
• Asimɣur n uxxam n twacult: lekra n leqdic yebnan ɣef udevi d, i uswir nniḍen, ɣef turagt n ubeddel.
• Tallalt i uxxam n tudrin: deg temnaḍin n tɣiwant i yezmren, tezmer ad tessenqes ssuma ara tṛeḍleḍ i lebni.

Yiwen n uxeddaɛ yettuɣalen deg tmnaḍt d addad n lqanun n yiyakalen n lwert ur nettwabḍa. War lɛeqd n lmuwetteq ara d-yesbeggnen izerfan n umessuter, lbanka ur tezmir ara ad teṭṭef rrehn. Ẓer amnir-nneɣ ɣef ukridi n lebni n uxxam i yiswiren merra.

Inezzazen, inaẓuren d yilemẓiyen yesɛan isenfaren

Larbaa tesɛa aṭas n tḥuna n tama, n twaṛcatin d yimefkayen n yimeẓla yerzan tafellaḥt: azenzi n tɣawsiwin tidawanin, aseggem n yibenkan, asiweḍ n sselɛa ɣer Lezzayer. I yirmuden-a, isuran s umata d imecṭaḥ maca d iɣawlen. Tuccḍa yettuɣalen d asfeǧǧ n tḥanut s lekra tudmawant n umsefrak: ttlaba ad teɣli dɣa ɣef lexlaṣ-is neɣ ɣef lantrit-is, war assaɣ d yidrimen n tidet n tḥanut.

1. Amikrukridi n ANGEM yelha i tiɣin n tɣawsiwin tidawanin neɣ n yibenk amecṭuḥ.
2. ANADE tettɛawan ilemẓiyen yesɛan isenfaren s usfeǧǧ ara yesdukklen tafka, lekra war lfayda d ukridi n lbanka.
3. Taḥanut yellan yakan, s ujerred n tnezzut d tbadutin n tbaṭ yettwaxelṣen, tezmer ad tessuter akridi n usexdem neɣ tifessast n tsenduqt ɣer lbanka-s.
4. Amsiweḍ yezmer ad yesfeǧǧ takeṛṛust n lxedma s ukridi amagnu neɣ s leasing.

Asuter n ukridi di Larbaa: talemsit d temlilit

Tibankiwin tizayazin timeqqranin (BNA, CPA, BADR, BEA, BDL, CNEP-Banque) llant deg twilayt n Lblida, yerna kra deg-sent sɛant tilemsiwin di Larbaa s yiman-is neɣ deg tɣiwanin i d-yezzin. Tawtilt tagejdant teqqim d users n yidrimen: lbanka yettaṭṭfen lexlaṣ-ik, idrimen-ik n tfellaḥt neɣ azal n tnezzut n tḥanut-ik ad tmuqqel s tifessast asuter-ik. Axeddam yesɛan amiḍan di Lezzayer tamanaɣt yezmer s tidet ad yefk adossier-is ɣer tlemsit n umsexdem-is, mačči di Larbaa.

Send timlilit, hegg takarḍa n timagit, tawreqt n twacult, aselkin n tnezduɣt, abeggen n tedrimt yemṣadan d umaɣnu-k (asmezrey n yidrimen, takarḍa n ufellaḥ, ajerred n tnezzut) d tewraqin n usenfar. Akken ad tessneḍ amḍiq n Larbaa deg tmnaḍt, ẓer daɣen asebter-nneɣ ɣef ukridi di Lblida. Taggara, ḥader imsenzayen i d-yettwaɛden akridi di Larbaa war adossier mgal axelleṣ send: ulac lbanka yettwaqblen i yxeddmen akka.

Isteqsiyen yettuɣalen