Kraḍ n yisteqsiyen ara tesbeddeḍ uqbel ad tkecmeḍ ɣer ugens
- D acu i sseddayeɣ s tidet? Taɣawsa yettwassnen (axxam, takeṛṛust, traktur), asurif n tallit neɣ tuttra n tedrimt ur rzin ara yiwen n ufaris.
- Ansi ara d-yekk uxelleṣ? Lexlaṣ, pension, azenzi n tmegra, idrimen n tmesreft: lbanka tettmuqul tallit d uwitay ɣef uɣbalu-a.
- Acḥal ara d-fkeɣ seg yidrimen-iw? Tamuɣli tudmawant tesbadu quotité ara yettwasdeddan, tessṛeyyiḥ lbanki ɣef tbeɣest n umerḍal.
Tiririyin-a s kraḍ ad k-ǧǧent ad teẓreḍ ma ilaq ad truḥeḍ ɣer CNEP-Banque i uxxam, ɣer BADR i tfirma, ɣer lbanka tazayezt tamatut i ukridi n usečči, neɣ ɣer tkebbanit am ANGEM i urmud amecṭuḥ. Ladɣa, ttsegdalent users n udossier ur nban ara i ur yezmir umeskar ad t-iqqen ɣer ufaris yettwassnen.
Aẓeṭṭa n tdamsa gar tfellaḥt d tfabrikin
Tawilayt, i yezgerr wasif Mekerra, d tin n tfellaḥt seg zik: irden, ayen n lmal, lmal n wulli d yisgaren, tazdayin n yiɣallen deg kra n tɣiwanin. Tesɛa daɣen amezruy n tfabrikin, ladɣa anrar n lilictṛunik yellan deg temdint tamezwarut, d tesdawit tameqqrant, Djillali Liabès, i yesselmaden imhendisen, imejjayen d yitiknikiyen. Taqerrubt n Wehran, ddaw n yiwet n tsaɛett d uzgen n ubrid, teǧǧa daɣen aṭas n yimezdaɣ ad xedmen dinna neɣ ad bnun dinna imsaɣen.
Tamusni-a tessefhem tanila n tuttriwin. Nettaf ixeddamen n uwanek d yixeddamen n tfabrikin s yidrimen yettawḍen yal ayyur, ifellaḥen yeqqnen ɣer ugeffur d tallitin, d yiḥeṛfiyen neɣ imsenziyen i yebḍan armud-nsen gar temdint d Wehran.
Ad txedmeḍ di Wehran, ad tarḍleḍ qrib uxxam-ik
Axeddam yettedduen yal ass ɣer Wehran neɣ ɣer temnaḍt n tfabrikin n Es-Sénia yezmer ad yeǧǧ amiḍan-is ad yefk asuter-is deg ugens n temdint anida yezdeɣ. Ayen yesɛan azal i lbanka d tawriqt n uxeddim, tawriqt n lexlaṣ d usebded ilaw n lexlaṣ. Maca ssuma n ubrid n yal ass ilaq ad tekcem deg ubudjeṭ: lmazut, aseɣti n tkeṛṛust neɣ abunima n usiweḍ sneqqasen idrimen yellan, ihi lekra yemṣadan. Win yessutren akridi di Sidi Bel-Abbès i yettun asurif-a yezmer ad yesnerni tazmert-is s lɣelṭ. I tiɣin n tkeṛṛust i ubrid-a, amnir n urdal n tkeṛṛust yesmekti tiwtilin n tbankiwin tizayezin.
Akridi di Sidi Bel-Abbès i yimetqaɛden
Ametqaɛed yesɛa adrim yeṛsan, i d-tettak CNR, ayen yellan d tarbaḥt. Tawtilt tagejdant d leɛmeṛ: yal lbanka tesbadu leɛmeṛ ameqqran deg lekra aneggaru n urdal, ayen yesneqqasen s timmad-is tallit yellan. Ilaq ihi ad tissineḍ tilist-a uqbel ad tferneḍ azal. Leɛqed n lmut, ur nezmir ad yettwakkes, yezmer daɣen ad yesqam ugar neɣ ad yessuter tabdart n yisteqsiyen ɣef tezmert.
Amedya i usfehem: akridi amecṭuḥ i umetqaɛed
Ametqaɛed yettawi pension n 45 000 DA deg wayyur. Ma lbanka teqbel ad yili lekra ur yezgir ara 30 % n yidrimen-is, yezmer ad yexelleṣ 13 500 DA deg wayyur. Ɣef tallit n 60 n wayyuren, aya yessekcam 810 000 DA meṛṛa, s lfayda d leɛqed. Asmal ara yettwarḍelen s tidet ad yili ihi ddaw n wazal-a. Leḥsab-a yeǧǧa ad teẓreḍ din din belli asenfar n 2 000 000 DA ad yessuter tamuɣli tameqqrant neɣ amerḍal nniḍen yid-k, amedya mmi-s neɣ yelli-s yettxeddmen.
Pension i d-tettak tkebbanit tabeṛṛanit
Aṭas n twaculin n temnaḍt sɛant aneggaru yeǧǧan tamurt i yettawin pension seg Fransa neɣ seg tmurt nniḍen. Adrim-a yezmer ad yettwaḥseb, maca lbanka tessutur ihi tawriqt n pension, tiwriqin n lbanka i d-yesseknen asiweḍ-is yal ayyur d, tikwal, asebded-is deg umiḍan s tedrimt tabeṛṛanit. Amnir-nneɣ n urdal i umetqaɛed yessegzay tiddiyin-a.
Akridi di Sidi Bel-Abbès i wexxam: iɣawasen izayezen d wakal n twacult
Iɣawasen AADL, LPP d LPA llan deg temdint tamezwarut, ma d tallalt n uxxam n lǧiha terza aṭas n tɣiwanin n twilayt. Akken ad kemmlen tallalt neɣ ssuma n uxxam, twaculin ttruḥunt ɣer ukridi n uxxam, aṭas n tikwal ɣer CNEP-Banque neɣ ɣer lbanka tazayezt nniḍen, s bonification n ufmiḍi sɣur uwanek, mi ara yili udossier yesɛa tiwtilin.
Tadyant i d-yettuɣalen ugar teqqim d lebni ɣef wakal yettwawerten neɣ yettwaɣen. Tamukrist tettili ihi ɣef tewriqin: akal n tewrit gar yiwerten ur yebḍin ara, lɛeqd ur yettwasufeɣ ara neɣ ulac livret foncier zemren ad ḥebsen adossier. Uqbel ula d asuter n udevis, yif-it ad tesweḍbeḍ lḥala n wakal ɣer umusnaw d conservation foncière. Mi ara yili lɛeqd yewwi, permis de construire d udevis yettwasegzan ad k-ǧǧen ad tessutreḍ akridi n lebni n uxxam yettwafken s yiḥricen.
Ifellaḥen d yimsekkayen n temnaḍt
I tallit n yirden, akridi R’fig yeǧǧa ad taɣeḍ zzerriɛa, ameslaḥ d yisafaren, s uxelleṣ deffir tmegra. I yimrigen, ama d traktur, d ensileuse, d taxxamt n wulli neɣ d abeqqar, akridi Ettahadi neɣ akridi n usekcem n yidrimen n tfellaḥt n BADR d abrid yettwassnen. Imsekkayen n wulli zemren daɣen ad ḥtajen ad sseddin tiɣin n wučči n lmal deg tallit n laẓ n ugeffur, d tuttra n tedrimt ilaqen ad tettwaskan akken tella.
Takarḍa n ufellaḥ, lɛeqd neɣ amsefhem n ukerrez, aberreḥ n lmal d yidevis n yimrigen d nutni i d llsas n udossier. Leɛqed n tmegra d lmal ɣer CNMA aṭas n tikwal yettwasuter d aḍman. Asebter-nneɣ ɣef ukridi n tfellaḥt i tfirma yessken-d ibenkan yellan, anida tiwtilin ttbeddilent seg tallit ɣer tayeḍ.
Iḥeṛfiyen, imsenziyen d tifrat tislamiyin
Amenuisier, amekanisyen, ahebbaz neɣ win yesseggamen lilictṛunik, d imeɣnasen yettwassnen deg temdint s wansay n tfabrikin, yeḥwaǧ ugar imrigen d tedrimt n usexdem. I yimrigen imezwura s wazal meẓẓiyen, ANGEM d tin ilaqen. I tmesreft meqqren ugar, akridi n yimrigen n lbanka neɣ ijara, aṛeǧǧu s tifrat n tiɣin yemṣadan d ccariɛa, yezmer ad yelhu. Amnir n urdal i uḥeṛfi yessegzay tiwriqin yettwasutren, gar-asent takarḍa n uḥeṛfi i d-tettak Chambre de l’artisanat et des métiers.
Igensan n tbankiwin tizayezin yellan deg temdint tamezwarut ldin, aṭas deg-sen, tiwwura n tedrimt tislamit seg 2020, yerna ifarisen n mourabaha ttwawḍen i tkeṛṛust neɣ i yimrigen. Am deg yimukan nniḍen, yal lɛeqd ilaq ad yettwaqbel sɣur ugraw n ccariɛa n lbanka d tnebdadt tanagmut i ilaqen.
Tuccḍiwin ara tesgaǧǧeḍ
- Ad tessutreḍ akridi di Sidi Bel-Abbès ɣef wakal ur yesɛin ara lɛeqd n tlelli yettwaswaḍben.
- Ad tettuḍ belli akridi yettwaṭṭfen yakan deg ugens n Wehran yettban i yal lbanka s centrale des risques.
- Ad teqbleḍ tallit yugaren leɛmeṛ ameqqran i tesbadu lbanka, ayen yezmren ad d-yawi aɛeṛḍ deffir akud.
- Ad tefkeḍ idrimen i umsiwel i d-yettwaɛaden tiririt tarurad: ulac tasudawt yesɛan turagt i ten-yessuturen.
Isteqsiyen yettuɣalen
Ametqaɛed yezmer ad yawi akridi di Sidi Bel-Abbès?
Ih, pension i d-tettak CNR d adrim yeṛsan i tettḥesab lbanka. Tilist tagejdant d leɛmeṛ ameqqran i tesbadu yal tasudawt deg taggara n urdal, i yesneqqasen tallit ihi azal. Leɛqed n lmut d tawtilt. Amerḍal nniḍen ameẓyan ugar, am mmi-s neɣ yelli-s yettxeddmen, yezmer ad yeǧǧ ad yettwasdeddi usenfar meqqren ugar.
Pension i d-yettasen seg Fransa tettwaḥseb?
Tezmer ad tettwaḥseb, ma yella tbeggneḍ asiweḍ-is yal ayyur s tewriqt n pension d tewriqin n lbanka. Kra n tbankiwin ssutrent ad tettwasebded pension ɣur-sent, tikwal deg umiḍan s tedrimt tabeṛṛanit. Amek ara ttwaḥesben ufmiḍi n ubeddel d tlilit n usiweḍ yettbeddil: ilaq ad ten-tessutreḍ s tira deg ugens.
D acu ara nexdem ma yella wakal n lebni deg tewrit ur yebḍin ara?
Lbanka s umata ad tugi ad tesdeddi lebni ɣef wakal ur nesɛi ara tlelli ibanen. Ilaq uqbel ad tesweḍbeḍ lḥala ɣer umusnaw, s beṭṭu neɣ s lɛeqd n ufak gar yiwerten, syin ad tessufɣeḍ lɛeqd deg conservation foncière. Deffir waya kan i tzemreḍ ad tessutreḍ permis de construire d ukridi.
Amsekkay yezmer ad yesdeddi učči n lmal deg useggas n laẓ n ugeffur?
D tuttra n tedrimt, temgarad ɣef usekcem n yidrimen. Amsekkay yezmer ad yesteqsi BADR ɣef yikridiyen n tallit neɣ n usexdem yemṣadan, s usekni n tkarḍa n ufellaḥ, aberreḥ n lmal-is d ubudjeṭ n wučči ɣef tallit-nni. Leɛqed n lmal ɣer CNMA yesǧehhed adossier.
Tisuddas n wereḍḍal ara testeqsiḍ
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