Tawilayt anida idrimen ttawḍen-d s tallit
Mostaganem tesɛa amkan amaẓlay ɣef tama n umalu, gar Wehran d Chlef. Tamurt-is n daxel d yiwet seg tmnaḍin timeqqranin n tebḥirt di tmurt, s lbaṭaṭa d tfellaḥt n yiger d armud-is amezwaru, ma d teftist n yill tettidir s ufud n yimesɣuffen i d-yettasen seg daxel gar yunyu d ctembeṛ. Tamarsa n tnezzut d tmarsa n yiselman kemmlen tugna-a, yernu-d ɣur-sen yinelmaden i d-yettasen ɣer tesdawit Abdelhamid Ibn Badis.
Asdukkel-a yesɛa yiwet n tmentilt tusridt i win yessutren akridi di Mostaganem: aṭas n twaculin ur sɛint ara idrimen yettawḍen kifkif yal ayyur. Afellaḥ n tebḥirt yettawi idrimen-is deg tallit n tmegra, win yesserɣen texxamin neɣ yesɛan snack ɣef yill yesdukkul azal n tnezzut-is deg kraḍ n wayyuren, aselmay yeqqen ɣer tuffɣiwin ɣer lebḥer. Lbanka ur tugi ara imeɣnasen-a, maca tettnadi ad tfehhem amek ara yettwaxelleṣ lekra n wayyur deg fuṛaṛ, mi ara yili umahil yesgunfuy.
Imeẓla d yixeddamen n uwanek: d tadyant tafessast
Ixeddamen n tnebdadt tazayezt, iselmaden, imeẓla n sbiṭar neɣ ixeddamen n tfabrikin n temnaḍt sɛan tawriqt n lexlaṣ yettawḍen yal ayyur. I nutni, adossier yebna ɣef tawriqt n uxeddim, ɣef tlata n tewriqin taneggarin n lexlaṣ d usebded n lexlaṣ deg lbanka ara d-yefken akridi. D ameɣnas-a i yettawḍen s wudem ifessusen ardal i uxeddam n uwanek d ukridi n uxxam aklasiki.
Imaẓlayen d yixeddamen n tallit: ad d-sbeggnen tagnit n useggas
Amsenzi yuran deg registre du commerce neɣ aḥeṛfi ilaq ad d-yefk tiwriqin-is n lmakus, extrait de rôle neɣ abilan, yerna, ma yella wamek, aṭas n wayyuren n tewriqin n umiḍan i d-yesseknen idrimen i d-yekcmen. Iswi d asebgen n yidrimen n useggas yettwabḍan s wudem yemmugen, syin ad d-yessumer lekra yettwaḥesben ɣef tallit taddayt, mačči ɣef wayyur n ɣuct.
Akridi di Mostaganem i wexxam: tiɣin, lebni neɣ asimɣur
Am akk tiwilayin, axxam yettɛeddi s waṭas s yiɣawasen izayezen: location-vente AADL, axxam promotionnel azayez (LPP), axxam promotionnel yettwallen (LPA) d tallalt n uxxam n lǧiha deg tɣiwanin n daxel. Win yuran deg yiwen seg yiɣawasen-a s umata yettsedday ayen d-yeqqimen s ukridi n lbanka, aṭas n tikwal ɣer CNEP-Banque, i yesɛan seg zik tamussni deg tedrimt n uxxam, neɣ ɣer lbanka tazayezt nniḍen yettekkin deg uɣawas.
Ɣef teftist n yill, tella tedyant nniḍen i d-yettuɣalen aṭas: tawacult yesɛan akal tebɣa ad tebnu tiɣurfa nniḍen, tikwal akken ad tt-tesserɣ deg unebdu. Lbanka tettwali ihi asuter-nni d akridi n lebni neɣ d akridi n usewjed, tessuter-d lɛeqd n tlelli neɣ livret foncier, permis de construire neɣ n ubeddel, adevis yettwahegan sɣur amqawel neɣ bureau d’études, akked tiwriqin n yidrimen. Idrimen ttwafkan s umata s yiḥricen, mi ara d-yettwasekyed umahil yettwaxedmen.
Idrimen n uṛeǧǧu n unebdu, ttwaḥesben ne ala?
Mi ara tessutreḍ akridi di Mostaganem i ccantie am wa, tettḥulfuḍ s lebɣi ad d-tessekneḍ aṛeǧǧu n lɛeṭla ara d-yasen d aɣbalu n uxelleṣ. Deg tidet, idrimen ur d-yekcimen ara yakan yerna ur ttwaberrḥen ara ur sɛin ara azal ameqqran. Yif-it ad tebnuḍ aɣawas n usdeddi ɣef yidrimen yeṛsan n twacult, ad twaliḍ aṛeǧǧu-nni d timernit kan. Amnir n ukridi n lebni n uxxam yessegzay tiwriqin tiknikin yettwasran.
Asdeddi n tebḥirt, n yiselman d tfabrikin n wučči
I ufellaḥ n uzaɣar, amsiwel ilaqen d BADR, i yesɛan tiẓeṛṛa yelhan deg tdayrin n lǧiha. Sin n yibenkan inagmuten ilaq ad ten-tissineḍ: akridi n tallit R’fig, i yettwaxedmen i yiɣewwaṛen n tallit (zzerriɛa, ameslaḥ, isafaren n yimɣan, lmazut), d ukridi n usekcem n yidrimen Ettahadi, i yimrigen, abeqqar n waman, goutte-à-goutte, tixxamin n uzeǧǧig (serres) neɣ taxxamt n usemmiḍ. Tiwtilin n bonification d yilisen ttbeddilen: ilaq ad ten-tessutreḍ deg ugens ass n users n udossier.
Takarḍa n ufellaḥ i d-tettak Chambre d’agriculture, lɛeqd n concession neɣ lɛeqd n wakal, d tewriqt n Direction des services agricoles d nutni i d llsas n udossier. I yiselman, asekles amaṛinan, tiwriqin n uɣeṛṛabu d udevis n umutur neɣ n tcebkiwin d ayen ur nezmir ad tt-tekkseḍ. Asebter-nneɣ ɣef ukridi n tfellaḥt i tfirma yeṭṭul ɣef sin yibenkan-a.
Salam, tifrat tislamit yemmugen i tmegra
Lɛeqd n salam, anida lbanka tettxelleṣ uqbel tamegra ara d-tettwafken deg wass i ttemsefhamen, yemṣada akked tallit n umfares n lbaṭaṭa neɣ n lebṣel. Yettwasumer mazal kan s wudem meẓẓiyen; afellaḥ n tebḥirt i yesɛan lebɣi yezmer ad iwali asebter-nneɣ ɣef salam n tfellaḥt uqbel ad yesteqsi imeɣnasen n tedrimt tislamit.
| Asenfar amagnu di Mostaganem | Abrid n usdeddi | Tawriqt tagejdant |
|---|---|---|
| Iɣewwaṛen n tallit n lbaṭaṭa | Akridi n tallit R’fig (BADR) | Takarḍa n ufellaḥ |
| Taxxamt n uzeǧǧig, abeqqar neɣ taxxamt n usemmiḍ | Ettahadi neɣ akridi n usekcem n yidrimen | Adevis n umsaɣ d lɛeqd n wakal |
| Taɣurfa nniḍen ɣef uxxam n twacult | Akridi n lebni / n usewjed | Permis d udevis yettwahegan |
| Kiosque neɣ amaḍ amecṭuḥ n wučči n unebdu | Amikṛukridi ANGEM neɣ abenk ANADE | Taɣuri taḥerfit d udevis n yimrigen |
| Takeṛṛust i uxeddam | Akridi n tkeṛṛust ɣef takeṛṛust yettwaxedmen da | Tafaktuṛt pro forma |
Akridi di Mostaganem i urmud n yill
Iftisen n twilayt ttǧebbiden yal aseggas aṭas n yimerzagen, ayen i d-yesnulfayen aṭas n yisenfaren: aṛeǧǧu n tsiwanin d yimrigen n yill, amaḍ amecṭuḥ n wučči, glacier, asiweḍ n yimsafriyen, aṛeǧǧu n yixxamen s yiɣerbazen. Tuget n tuttriwin-a meẓẓiyit, ttaɣent ugar amikṛukridi wala akridi n lbanka aklasiki.
ANGEM tettsedday tiɣin n yimrigen imecṭuḥen d warmuden imezwura s yidrimen yettwasebdaden, s tallalt n usuddu. Abenk ANADE, i d-yeddan deffir ANSEJ, yettwasebded i yilmeẓyen yesɛan asenfar n tsudawt tamecṭuḥt s usdeddi yesdukkulen tamuɣli n bab-is, ardal war lfayda n tkebbanit d ukridi n lbanka. Deg sin-a, asenfar ilaq ad yerr lwelha ɣer tallit tawezlant: ilaq ad d-tesbeggneḍ amek ara yidir urmud deg wayen d-yeqqimen n useggas, amedya s ubeddel ɣer wučči arurad i yinelmaden neɣ ɣer usiweḍ.
Amedya i usfehem: ad tesmeɣreḍ tagnit n unebdu
Ad nawi glacier yessekcamen 1 200 000 DA n yidrimen izedganen seg yunyu ar ctembeṛ d 300 000 DA deg tmanya n wayyuren nniḍen, ihi 1 500 000 DA deg useggas. Ma nebḍa-ten ɣef sin d mraw, ad d-ffɣen 125 000 DA deg wayyur s talemmast. Ma bab n usenfar ur yebɣi ara ad yefk ugar n wis xemsa seg wazal-a i uxelleṣ, lekra-ines ara yenadi d 25 000 DA. Maca ilaq ad d-yesbedd deg unebdu agerrur n 8 × 25 000 DA ma drus, ihi 200 000 DA, akken ad yexelleṣ lekrawat n tegrest. Leḥsab-a afessas, ma yettwasken i umeskar, yessefraḥ ugar n uzal n tnezzut n ɣuct waḥd-s.
Akridi di Mostaganem: anta igensan ara tsutreḍ
I ukridi di Mostaganem, tibankiwin tizayezin timeqqranin (BNA, CPA, BADR, BEA, BDL d CNEP-Banque) llant deg temdint tamezwarut d waṭas n tdayrin. Tabdart n yifarisen-nsent d yiwet seg twilayt ɣer tayeḍ: agens n Mostaganem yessemras tiwtilin i d-tesbadu tnemhalt tamatut. Ayen yettbeddilen d tamussni n yimeẓla ɣef yidossiyen n tfellaḥt neɣ n tnezzut n temnaḍt, d tefses n users n tewriqt yettwasran war ma tteddiḍ ɣer Wehran.
Tibankiwin tusligin d tberraniyin llant s waṭas deg temdint tamezwarut kan, ttnadint ugar ɣef tsudwin d yixeddamen n uḥric unṣib. I yifarisen yemṣadan d ccariɛa, Al Baraka d Al Salam ttakent asdeddi s mourabaha d ijara, yerna seg 2020 tibankiwin tizayezin ldint tiwwura n tedrimt tislamit deg waṭas n yigensan. Ilaq ad tesneqdeḍ s yiman-ik ma yella ccubak-a deg ugens i tebɣiḍ; tamuɣli-nneɣ ɣef tibankiwin tislamiyin di Lezzayer ad k-tɛawen ad tafeḍ abrid.
Tuccḍiwin i d-yettuɣalen ɣer yimerḍalen n Mostaganem
- Ad tesskneḍ azal n tnezzut n tallit tameqqrant am akken d idrimen n yal ayyur: lbanki yettɛawad yal tikkelt leḥsab ɣef useggas.
- Ad tebduḍ ixeddimen n usimɣur uqbel tiririt n lbanka: isuraf yettwaxedmen war permis neɣ war adevis yettwaqeblen ur ttwasdeddayen ara deffir.
- Ad tettuḍ takarḍa n ufellaḥ neɣ lɛeqd n wakal yettwaleqmen, ayen ara yeḥbesen adossier R’fig ɣas ma yeɛǧel uqbel tazrawt.
- Ad terreḍ ɣef yiɣbula n « ardal arurad » yettwaznen deg yizeḍwan inmettiyen s yisuraf ara txelleṣeḍ uqbel: ulac tasudawt yesɛan turagt ara yeddun akka.
- Ad tessutreḍ deg waṭas n tibankiwin deg yiwen n wakud: yal akridi yettwafken yettwaberreḥ deg centrale des risques n Banque d’Algérie, yesneqqis tazmert i d-yeqqimen.
S wawal wezzilen, akridi di Mostaganem yettwaheggay seg tewsit n yidrimen. Axeddam ad yerr ɣer ufaris anaway, afellaḥ ɣer BADR d yibenkan-is n tallit, axeddam n tallit ɣer umikṛukridi yettwaḥesben i tegrest. Deg yal tadyant, adossier yerbeḥ ma yesbeggen-d belli lekra yezmer ad yettwaxelleṣ deg wayyuren ilmawen.
Isteqsiyen yettuɣalen
Anta lbanka ara ferneɣ i ukridi di Mostaganem?
Yal yiwen d asenfar-is. I uxxam, CNEP-Banque d tbankiwin tizayezin yettekkin deg yiɣawasen AADL neɣ LPP d nutni i d imsiwlen yettwassnen. I tfellaḥt n uzaɣar, BADR i yessefraken ibenkan R’fig d Ettahadi. I tifrat yemṣadan d ccariɛa, Al Baraka, Al Salam neɣ tiwwura tislamiyin n tbankiwin tizayezin. Tiwtilin d tinagmutin, agens n temnaḍt yettwasexdam ugar i uḍfar.
Idrimen n tallit yeqqnen ɣer yiftisen, zemren ad qadren?
Ih, ma yella ttwasbeggnen ɣef useggas meṛṛa. Ilaq ad d-tefkeḍ tiwriqin n lmakus, tiwriqin n lbanka i d-yesseknen idrimen i d-yekcmen d uɣawas i d-yesbeggnen belli lekra ad yettwaxelleṣ deg tallit taddayt. Adrim n leḥder yettwasbedden deg unebdu, neɣ adrim wis sin n twacult, yesǧehhed aṭas asuter zdat umeskar.
Nezmer ad nesdeddi taɣurfa nniḍen ɣef uxxam n twacult?
Ih, s ukridi n lebni neɣ n usewjed. Ilaq ad tesbeggneḍ tlelli n wakal neɣ n uxxam s lɛeqd n umusnaw neɣ s livret foncier, ad tawiḍ permis de construire neɣ n ubeddel, ad d-tefkeḍ adevis yettwahegan. Idrimen ttwafkan s umata s yiḥricen, akken yettnerni ccantie yettwasekyden.
Amek ara nesdeddi iɣewwaṛen n tallit n tebḥirt?
Akridi n tallit R’fig, i d-tettak s waṭas BADR, yettwaxdem i waya: zzerriɛa, ameslaḥ, isafaren d lmazut n tallit. Afellaḥ ilaq ad d-yefk takarḍa n ufellaḥ, aseddi n ukerrez n wakal d uɣawas n tfellaḥt. Axelleṣ yettwaqqen ɣer tmegra; ilisen d bonification ilaq ad ten-tesneqdeḍ deg ugens.
Tisuddas n wereḍḍal ara testeqsiḍ
BNA — Crédit Pêche et AquacultureTabanka tamenḍawt yettwasirgen sɣur Banque d'Algérie — Ardal n tikli alamma d 150 M DA d wardal n usmussu ɣef 15 n yiseggasen i ṣṣyada n lḥut d usegmi n yiselman.CPA — Ghalla (crédit de campagne)Tabanka tamenḍawt yettwasirgen sɣur Banque d'Algérie — Ardal ɣef tallit taqeṣṣirt alamma d 24 n wayyuren, yeččuṛ 100 % n yisraten n tallit n tfellaḥt, s ufmiḍi n tnezzut neɣ yettwallen.BDL — Financement CNACTabanka tamenḍawt yettwasirgen sɣur Banque d'Algérie — Ardal n BDL i yimeskaren war axeddim seg 30 ar 55 n yiseggasen i yezmren ad kecmen deg ugraw CNAC.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.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.