Akridi di Skikda: ad tesdeddiḍ tudert-ik d yisenfaren-ik deg unrar n tfabrikin ɣef yill

Ad tfehmeḍ tadamsa n Skikda uqbel ad tferneḍ afaris

Skikda tesɛa yiwet seg tɣerɣar n pétrochimie timeqqranin ugar di tmurt, s raffinerie, anrar n usnifel n lgaz d tɣultin n temnaḍt n tfabrikin, yeqqnen ɣer tmarsa yettwaxedmen i lpiṭrul d lgaz. Ɣef tama n yimukan-a llant tsudwin n uḥareb, n chaudronnerie, n usizdeg n tfabrikin, n usiweḍ d wučči. Tamarsa tamseḍfart tettqabal daɣen tisewwaqin yemgaraden, ma d aselmay yeqqim yettidir, ladɣa di Stora d Collo.

Deg tmurt n daxel, azaɣar d yiɣzer ttawin-d tibḥirin d tazdayin, ma d tibratin n tegzirt n Collo d yiwet seg tugniwin timagnutin n usamar. Teftist, s yiftisen-is, tettqabal yal anebdu aṭas n yimerzagen. Irmuden-a d-ssnulfuyen imeɣnasen n yimerḍalen yemgaraden aṭas, ur tettwali ara lbanka s yiwen n wudem.

Axeddam n temnaḍt n tfabrikin

Amsesxdam, atiknikiy neɣ amhendis yettxeddimen deg tsudawt tazayezt n tezmert aṭas n tikwal yesɛa lɛeqd n tallit ur yettwasbadun ara d lexlaṣ yettwasebdden. D ameɣnas-a i yelhan ugar i ukridi di Skikda, ama d win n uxxam ama d win n tkeṛṛust. Lbanka tessutur tawriqt n uxeddim, tiwriqin taneggarin n lexlaṣ, tawriqt n twacult d useddi n wanzaɣ.

Akridi di Skikda i wexxam: iɣawasen d tiwtilin n wakal

Iɣawasen AADL, LPP d LPA llan deg twilayt, ma d tallalt n uxxam n lǧiha terza tiɣiwanin n yidurar d tibratin. Am deg yimukan nniḍen, CNEP-Banque d tbankiwin tizayezin yettekkin ttseddayent ayen d-yeqqimen seg ssuma neɣ ixeddimen, s bonification n ufmiḍi i twaculin yesɛan tiwtilin.

Talɣa n wakal n temnaḍt ternu-d tawtilt: akal yeknan neɣ iqerben ɣer wasif yezmer ad yessuter ixeddimen n usbedded neɣ n llsas yesqamen ugar. Adevis yellan d tidet, yettwaxedmen deffir tɣuri n wakal ma yella teḥwaǧ, yessegdal tadyant yettuɣalen n ccantie yeḥbes deg wammas acku ulac abudjeṭ. Lbanka tettak akridi n lebni s yiḥricen, s usekni n lḥala n uxeddim, ur tettsedday ara isuraf ur nettwaheggan ara.

Amedya i usfehem: ayen i d-tettawi tallit

Tawacult ilaq ad tarḍel 3 000 000 DA akken ad temmed axxam-is. War lfayda d leɛqed, tallit n 120 n wayyuren tettak amur n usmal n 25 000 DA deg wayyur, ma d tallit n 180 n wayyuren tesneqqas-it ɣer qrib 16 700 DA. Tifrat tis snat tesfesus lekra maca tesnernay ssuma meṛṛa, acku lfayda tetteddu ugar n wakud. Tafrent yelhan d tallit tawezlant ugar anida lekra yeqqim yettwaḥmal, s leḥsab n leɛmeṛ n umerḍal d yisuraf nniḍen n uxxam. Amnir n urdal n uxxam yessefhem amek tettḥesab lbanka tazmert-a.

Sous-traitants d PME n tfabrikin

Tisudwin yettxeddimen deg yimukan n tfabrikin ḥwaǧent imrigen imaẓlayen, am yimrigen n tlaḥimt, échafaudages, compresseurs neɣ tikeṛṛusin n ccantie, d tedrimt akken ad xelṣent lexlaṣ uqbel gar uxeddim n ssuq d uxelleṣ-is. Tibankiwin tizayezin ttakent i waya ikridiyen n usekcem n yidrimen n tallit talemmast, leasing d yikridiyen n usexdem: découvert, asellef ɣef ssuq, caution de soumission neɣ de bonne exécution.

Tiḍmanin n lbanka (cautions) ilaq ad nebder fell-asent s timmad-nsent: akken ad yerr ɣef usiwel ɣer tuttriwin (appel d’offres) n tsudawt tazayezt tameqqrant, sous-traitant aṭas n tikwal ilaq ad d-yefk caution de soumission, syin caution de bonne exécution. Lbanka tettak-itent am yiswal s uzmul (engagements par signature), s leḥsab n wazal n tnezzut d yidrimen n tkebbanit. Ma theggaḍ izuraz-a uqbel ad d-yeffeɣ usiwel ɣer tuttriwin, ur tettṛuḥuḍ ara tagnit. Adossier anaway yesɛa registre du commerce, ibilanen, tiwriqin n lmakus d tid inmettiyen, imuden n yisuqen yettwaxedmen d tenɣalin n leɛqud yellan. Asebter-nneɣ ɣef ukridi n yimrigen n uxeddim ikemmel talɣut-a.

Iselman, tafellaḥt d turizut n teftist

Asdeddi n uɣeṛṛabu neɣ n umutur

Aselmay neɣ bab n uɣeṛṛabu aḥeṛfi i yebɣan ad ibeddel amutur, ad yaɣ tiċebkiwin neɣ ad yesmaynut aɣeṛṛabu-s ilaq ad d-yefk asekles-is amaṛinan, tiwriqin n uɣeṛṛabu, idevis d useddi n yidrimen-is n uselmay. Azalen imecṭuḥen zemren ad kecmen ddaw ANGEM neɣ abenk ANADE i yilemẓi; asekcem n yidrimen meqqren ugar yettɛeddi s ukridi n lbanka neɣ s ijara n yimrigen.

Tibḥirin d tazdayin

Ifellaḥen n uzaɣar d yiɣzer ttruḥun ɣer BADR i yikridiyen n tallit R’fig d usekcem n yidrimen Ettahadi. Tixxamin n uzeǧǧig, goutte-à-goutte, tazdayin n tchina neɣ n uzemmur d yimrigen n usafar d isenfaren yettwassnen ugar. Amnir-nneɣ n ukridi n tfellaḥt i tfirma yessegzay tiwriqin ara tesdukkleḍ.

Irmuden n unebdu ɣef teftist

Aṛeǧǧu n yixxamen, amaḍ amecṭuḥ n wučči neɣ aṛeǧǧu n yimrigen n lebḥer ttawin-d adrim yettwasdukklen deg kra n wayyuren. I yisenfaren-a, lbanki yettraǧu aɣawas i d-yesseknen amek ara ttwaxelṣen lekrawat beṛṛa n tallit. Amikṛukridi amecṭuḥ, yettwaxelleṣ ɣef tallit wezzilen, aṭas n tikwal yif ardal ẓẓayen.

Akridi di Skikda: tikli n usuter, tasurift s tasurift

1. Ad tesbaduḍ tuttra s wazal. Ad tesdukkleḍ idevis neɣ tafaktuṛt pro forma, ad tesbaduḍ tamuɣli yellan uqbel yal tirza.
2. Ad terreḍ asemselsi. Isemselsiyen i d-ssufuɣent aṭas n tbankiwin tizayezin ttaken tikti tamezwarut ɣef lekra i wazal d tallit yettwasbadun.
3. Ad theggiḍ adossier. Tikarḍiwin n tmagit, tawriqt n twacult, tiwriqin n yidrimen d tewriqin n tɣawsa neɣ n usenfar, akk ttwaleqment yerna mṣadant gar-asent.
4. Ad tefkeḍ asuter deg ugens anida yettwasebded udrim. Aṭas n tikwal d netta i yettɣawlen ugar, acku yessen yakan tikli n umiḍan.
5. Ad tettraǧuḍ tiririt yettwarun. Tawriqt-nni tesbadu azal, tallit, ssuma d yiḍmanen yettwasutren.
6. Ad tesmeddeḍ tiwtilin. Leɛqed, hypothèque neɣ nantissement, azmul n lɛeqd, syin tukksa n yidrimen, aṭas n tikwal srid i umsenzi neɣ i umsaɣ.

I uxeddam n temnaḍt n tfabrikin yettxeddimen s tuzzya, yif-it ad yessuter seg tamlilit tamezwarut tabdart meṛṛa n tewriqin, akken ad tent-yesdukkel s yiwet n tikkelt ɣas akken tuzzya n uxeddim. Adossier yemmden seg tazwara yeqqim d abrid yelhan akken ad tawiḍ s lemɣawla tiririt.

Tibankiwin d tewwura tislamiyin deg twilayt

BNA, CPA, BADR, BEA, BDL d CNEP-Banque sɛant igensan deg temdint tamezwarut d waṭas n tdayrin. Ifarisen-nsent d inagmuten: afaris yettwasufɣen ɣef usmel n lbanka yettwasemras s llsas daɣen di Skikda, ma yella usuter yesɛa tiwtilin. Tiwwura n tedrimt tislamit yettwaldin seg 2020 ttaǧǧant ad tawḍeḍ ɣer mourabaha, ijara neɣ istisna’a, tagi tikwal tettwasexdam i usdeddi n lebni yettwaxedmen akken yella cahier des charges. Asebter ɣef istisna’a i lebni yessefhem lɛeqd-a, anida lbanka tessutur lebni syin ad t-tefk i umsaɣ s uxelleṣ yettwabḍan.

Ayen ara tesneqdeḍ uqbel azmul

• Ad tesneqdeḍ ma yella tallit yettwasumren tqadeṛ leɛmeṛ ameqqran i tesbadu lbanka.
• Ad tessutreḍ s tira isuraf n usekyed, n leɛqed d hypothèque.
• I ukridi di Skikda yeqqnen ɣer ssuq n tfabrikin, ad tḍemneḍ belli azemz n uxelleṣ yettḍafar s tidet awitay n uxelleṣ n bab n uxeddim.
• Ad tugiḍ yal afaris n usdeddi i yessuturen lexlaṣ uqbel i umdan udmawan.

Isteqsiyen yettuɣalen