Tawilayt n Tlemsan deg kra n yisebtar yettnefɛen i wid yebɣan ad rḍlen
Tlemsan d tamdint n tẓuri d umezruy, d tamnaḍt n tesdawit, d tamnaḍt n tfellaḥt d temnaḍt n tlisa yettwanin ɣer tseṭṭa. Taftist-is n yill, ɣer Ɣazawat, terna-d armud n lmersa d uṣeyyed. Tanawit-a tessegzay-d ayɣer isuturen n usellef mgaraden aṭas dinna.
I umerḍal, ayen ara d-yeḍrun d afessas: akridi deg Tlemsan ur yesɛi ara ilugan-is iman-is: yesseqdac ifarisen n uɣlan — axxam, asečči, takeṛṛust, asegrew, amikrukridi, tiferkiyin tislamiyin — i yettwasemwalen ɣer umahil d ureḍḍeb n yidrimen.
Imeẓla d yixeddamen n tedbelt: akridi deg Tlemsan i ifessusen ad yettwaheyya
Iselmaden, ixeddamen n tezmert, imuẓla n tedbelt d yimeẓla n tkebbaniyin tizuyaz d imsaɣen i ssnent mliḥ tbankiyin. Idrimen-nsen rekden, fessus ad ttwabeggnen.
Ayen i tessuter tbanka di tazwara
- tagrawt n uxeddim i d-yesskanen anaw n lɛeqd (yettwaserkden, s lɛeqd);
- tiwriqin n lexlaṣ n kraḍ n wayyuren ineggura;
- takarḍa n tmagit tabiyumitrit d tagrawt n uzdaɣ;
- tawriqt n twacult ma yella tesɛiḍ imdanen i tettḥaḍareḍ.
Aṭas n tbankiyin ssuturent ad d-yettawḍ lexlaṣ ɣur-sent deg wakud meṛṛa n umerḍil. Ma yella lexlaṣ-ik yettawḍ-d ass-a ɣer umiḍan CCP, steqsi acḥal n wakud i yesra usiweḍ-is. Ixeddamen n tedbelt ad afen talɣut-nniḍen deg umagrad-nneɣ ɣef amerḍil i uxeddam n tedbelt.
Axxam: AADL, LPP neɣ taɣuri n wexxam aqdim
Tawilayt, am tiyaḍ, tesɛa ihegginen AADL, LPP d LPA. Amettekki yettwafernen yettsellif ayen i d-yeqqimen s ukridi n wexxam ɣer tbanka yettwammlen neɣ ɣer win i yebɣa, ɣef wacu yella wahil. I taɣuri n wexxam aqdim, azal n wexxam d lɛeqd n umeskan i d tiɣawsiwin tigejdanin; amnir n amerḍil n wexxam yessken-d tikliwin.
Inelmaden d yilmeẓyen yeɣran
S tesdawit Abu Bekr Belqayed, tamdint tesɛa aṭas n yinelmaden. Anelmad ur nesɛi idrimen s umata ur yezmir ara ad yawi akridi aklasiki n lbanka; ilemẓi yeɣran i yesnekren armud ad yettuɣal ugar ɣer tdukkliwin tizuyaz i yettɛawanen wid yesnulfuyen neɣ ɣer umikrukridi, i yessuturen drus n yidrimen n yiman-ik yerna ttawin-d aḍfar.
Imsewqen d tkebbaniyin timecṭuḥin: beggen armud n tidet
Taseṭṭa tesɛa adeg meqqren, seg lmdina n Tlemsan ar Mɣenya d Remci. Tibankiyin ttsellifent s lebɣi taḥanut, asemmed-is neɣ aḥraz n sselɛa, maca s yiwet n twtilt: armud ad yili yettwaselɣu, imḍanen ad ilin ttwaɣran.
Registre de commerce ur yekfi ara
Abankiy yesserwas ssuma n tseṭṭa yettwaselɣun i lbaṭel, tikli n umiḍan n umahil d wazal yettwasutren. Amsewweq i yettaṭṭafen ugar idrimen s ufus war ma yessers-iten ad yesɛu uguren ad yebeggen tazmert-is. Asers n yidrimen n tseṭṭa yal tikkelt deg umiḍan, aṭas n wayyuren uqbel asuter, ibeddel aṭas taɣuri n dossier.
Afran gar uxeddim d usegrew
Aḥraz n tallit — tuɣalin ɣer uɣerbaz, Remḍan, tallit n tmeɣriwin — yeqqen ɣer usellef wezzilen. Lvitrin n usemmiḍ neɣ takeṛṛust n tuzna teqqen ɣer ukridi n talemmast n wakud neɣ ɣer leasing. Asdukkel n sin-a deg yiwen n usuter yettawi s waṭas ɣer tanzagt ur nwulem ara.
Turizm, tigemmi n umezruy d tẓuri n tẓuri
Tigemmi tandalusit d tzayanit n temdint, aɣrur n Lalla Setti d yideggan n Manṣuṛa ttǧelliben-d iḥewwasen, ayen yettɛawanen ixxamen n yinebgawen, imensayen, imnirawen d tḥuna n tẓuri. Tafeṭṭelt tamensayt, ṣṣenɛa n nnḥas d uxeddim n yiceṭṭiḍen n tislit n Tlemsan, am chedda, d tẓuri n tẓuri yettwanadin daɣen. Akken ad tbeddleḍ axxam n twacult d adeg n yinebgawen neɣ ad tesɛuḍ ibenkan i tnaṣt n tfeṭṭelt, tabanka ad tettraǧu adevis n usemmed, tisirag ilaqen i urmud d uḥsab n tidet n yinebgawen, yeqqimen yeqqen ɣer tallit.
Ifellaḥen d yimdanen n yill: akridi deg Tlemsan yeqqnen ɣer tallitin
Iluɣmen d yiɣallen n twilayt ttawin-d irden, tazemmurt, tibḥirin n yiɣumma d lxuḍra, ma d tamnaḍt n Ɣazawat tettidir s waḥric seg uṣeyyed. Imahilen-a sɛan yiwet n tɣawsa i ten-yesdukklen: idrimen i d-yettawḍen s tallit.
- Afellaḥ: BADR d tabanka tagamant i utraktur, i unagraw n usswi neɣ i ukridi n tallit. Tabanka ad tebɣu ad teẓṛ amek i tkerrzeḍ: d ayla-k, d tasɣunt n tfellaḥt neɣ s lekra, i d-tesbeggen tnemhalt n yimeẓla n tfellaḥt.
- Bab n teflukt neɣ aqerru n yiṣeyyaden: taɣuri n umutur, n tecbakin neɣ aseggem n teflukt ttwasekkanent s tewriqin n teflukt, tisirag n uṣeyyed d yidevis n tnaṣt n lebni n yiflukan.
I yimeɣnasen-a, steqsi tabanka ma yella yezmer ad yili usegzel n tririt alamma d tafeṛḍa tamezwarut neɣ d tallit n uṣeyyed. Talqayt n tferkiyin n tfellaḥt tella deg usebter-nneɣ akridi n tfellaḥt i uxeddim.
Inigiwen n Tlemsan d yisellef islamiyen
Aḥric meqqren seg twaculin sɛan imawlan di Fransa neɣ di Spanya i yesseɣlayen deg wexxam n twacult neɣ deg tḥanut. Zemren ad d-awin idrimen yettwaḍfaren, neɣ ad rḍlen s yiman-nsen ma ufan tabanka yeldin i yimezdaɣ n berra.
Ɣer tama n waya, aṭas n yimerḍalen n temnaḍt smenyafen tiferkit yemṣaḥen d cciɛa. Ṣṣwaneq n tdrimt tislamit n tbankiyin tizuyaz d tbankiyin tislamiyin yellan deg temdint ttakent ladɣa mourabaha (taɣuri sakin azenzi s rrbeḥ yettwassnen) d ijara (lekra s tifrat n tawwit). Uqbel ad tferneḍ, serwes ssuma n uzenzi meṛṛa d wayen ara k-yeswu ukridi aklasiki; asebter-nneɣ tibankiyin tislamiyin di Lezzayer yefka-d isebtar.
Amedya i usegzi: amsewweq n Mɣenya i yesseggmen taḥanut-is
Amedya i usegzi, ur yesɛi azal n lɛeqd: amsewweq yebɣa ad yaɣ tiṛufin, lkontwar n usemmiḍ d ṣṣenduq s 1 500 000 DA. Yewwi-d 300 000 DA, yessuter 1 200 000 DA ɣef 4 iseggasen.
| Aferdis | Azal |
|---|---|
| Ssuma n yibenkan | 1 500 000 DA |
| Idrimen n yiman-ik | 300 000 DA (20 %) |
| Aqerru n yidrimen yettwareḍlen | 1 200 000 DA |
| Tririt n uqerru kan ɣef 48 n wayyuren | 25 000 DA i wayyur |
25 000 DA-a ttɣummun kan aqerru: ilaq ad as-ternuḍ ssuma n usellef (lfayda neɣ rrbeḥ aslami), lasurans ma tella d yiṣeṛṛfen n tezrawt. Ma yella rrbeḥ-is n wayyur s umata d 90 000 DA, tawzi n wayyur tettwaḥmal; ma yella ur iɛedday ara 40 000 DA deg tallit n ugezzum, asenfaṛ ilaq ad yettwasneqqes neɣ ad yettwasiɣzef.
Asers n usuter n ukridi deg Tlemsan: iberdan d uḥezzeb
Aẓeṭṭa azuyaz (BEA, CNEP-Banque, BADR, CPA, BNA, BDL) yeṭṭef tamdint d Mɣenya, Remci, Ɣazawat d tdayrin-nniḍen; aṭas n tbankiyin tusligin llant deg temdint. Isemrisen d tferkiyin deg Internet n kra n tbankiyin ttɛawanen ad theggiḍ asuter uqbel ansay.
Ḥrez idrimen uqbel ad terḍleḍ
I win ara yaɣen axxam, alday n ddeftar n tuɣmest n wexxam ɣer CNEP-Banque aṭas n yiseggasen uqbel asenfaṛ yeqqim d abrid aklasiki: idrimen yettwaḥerzen ttuɣalen d idrimen n yiman-ik, amezruy n users yal tikkelt yessken i ubankiy taɣuct deg tedrimt. Tiwtilin s telqay n yideftaren-a d lfayda ara yilin i ukridi ilaq ad ttwasefqedent deg tewriqin n tbanka.
Kraḍ n tikerkas
- Ssuter tawriqt n ssuma s tira d wazemz n usnifel-is.
- Serwes ssuma meṛṛa ara terreḍ i yiwen n uqerru d yiwet n tanzagt.
- Agi yal « azwir n yiṣeṛṛfen » i d-yessutur yiwen n umdan neɣ asebter n uẓeṭṭa anmetti: deg temnaḍt n tlisa am wadeg-nniḍen, isumar-a d tikerkas s waṭas.
Isteqsiyen yettuɣalen
Anwa akridi deg Tlemsan i ifessusen ad t-yawi umeẓlu?
I umeẓlu yesɛan amkan yerkden, akridi n usečči yettwasesnen d ukridi n wexxam d wid ifessusen, axaṭer tagrawt n bab n uxeddim d tewriqin n lexlaṣ kfan i ubeggen n yidrimen. Asiweḍ n lexlaṣ ɣer umerḍal yettwasuter s waṭas. Tazmilt teqqen ugar ɣer wazal n tewzi n wayyur ɣer yidrimen d yikriḍiyen yellan yakan.
Amsewweq n Mɣenya yezmer ad yerḍel s yidrimen n tseṭṭa s ufus?
Yezmer ad yerḍel, maca ma yella idrimen-is ttbanen kan. Tabanka tettkel ɣef ssuma n tseṭṭa yettwaselɣun d tikli n umiḍan n umahil. Asers yal tikkelt n yidrimen i d-ikecmen aṭas n wayyuren uqbel asuter, aṭṭaf n umsiḍen afessas d usekcem n registre de commerce d yiselɣuyen n lbaṭel ssnernin aṭas tagnit n tzmilt.
Yella usellef iwulmen i uṣeyyed deg Ɣazawat?
Ulac afaris i Ɣazawat kan, maca tibankiyin zemrent ad sellfent amutur, ibenkan n uṣeyyed neɣ aseggem n teflukt s ukridi n usegrew neɣ s leasing. Dossier ilaq ad yesɛu tiwriqin n teflukt, tisirag n urmud d yidevis. Steqsi ma yella usegzel yezmer ad yili akken ad qqnent tewziwin ɣer tallit.
Tzemreḍ ad tawiḍ mourabaha n wexxam deg twilayt n Tlemsan?
Ih, ma yella tabanka neɣ ṣṣwaneq aslami i tsestneḍ ttak tiferkit-a mi ara tessutreḍ. Deg uɣawas-a, tasudest taɣ axxam di tazwara, sakin tezzenz-ak-t s ssuma deg-s rrbeḥ yettwasbedden seg uzmul, ad t-txelṣeḍ s tewziwin. Serwes ssuma meṛṛa n uzenzi, iṣeṛṛfen d yiḍmanen yettwasutren d ukridi aklasiki uqbel ad tqebleḍ.
Tisuddas n wereḍḍal ara testeqsiḍ
CPA — Construction ou extension de maison (ARE)Tabanka tamenḍawt yettwasirgen sɣur Banque d'Algérie — Ardal n CPA i lebni neɣ i usimeɣ n uxxam udmawan di Lezzayer seg berra.Al Baraka — Préfinancement à l'exportationTabanka tineslemt yettwasirgen sɣur Banque d'Algérie — Asmuddu yemṣaḍan d ccariɛa i yisraten n tsuddsin yessifeḍen, uqbel tuzna n tɣawsiwin.Sofinance — Crédits d'investissementTasuddest tadrimant yettwasirgen sɣur Banque d'Algérie — Tasuddest tadrimant tamenḍawt i d-yettmuddun iṛdalen n usmussu i PME n Lezzayer.BNA — Crédit d'investissementTabanka tamenḍawt yettwasirgen sɣur Banque d'Algérie — Ardal n BNA ɣef tallit talemmast d teɣzfant i usnulfu, i usimeɣ neɣ i usmaynut n yifecka n ufares.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.