D acu i d ddinar umḍin azzayri?
Deg umaḍal meṛṛa, tibankiyin timenzayin ttɣaṛent ayen i wumi qqaren tadrimt tumḍint n tbanka tamenzayt (MNBC, neɣ CBDC s teglizit). D asuter usrid ɣef tbanka tamenzayt, am uɛeṭṭul n lkaɣeḍ, maca s talɣa tilektrunit. Di Lezzayer, ad yili d ddinar ara d-tessufeɣ Banque d'Algérie, ara yettwasqedcen seg uqrab ilektruni, s wazal-is kifkif d ddinar n lkaɣeḍ.
Tikti-a temgarad ɣef wayen i sseqdacen yakan aṭas n yiZzayriyen. Mi ara txelṣeḍ s tkarḍa CIB neɣ s tkarḍa Edahabia, tessenqaleḍ tadrimt n tira (monnaie scripturale), d asuter ɣef tbanka-k neɣ ɣef Algérie Poste. Ma d ddinar umḍin, ad yili d asuter ɣef tnemhalt n tsuffeɣt.
Anda i yewweḍ usenfaṛ
Imasulen n tedrimt bdren-d zdat medden lfayda n yiwet n talɣa tumḍint n ddinar, deg usnerni n uxelleṣ d usnifel n ugrinas n tedrimt deg 2023. Ulac awitay n usufeɣ, ulac tilist n uṭṭaf, ulac tarrayt n usebṭṭu ara yettwaḥesben d ayen yettwasbedden skud ur d-ttbanen ara deg ulɣu neɣ deg uḍris i d-tessufeɣ Banque d'Algérie. Asebter-nneɣ ɣef Banque d'Algérie yesmektay-d tamlilt n tnemhalt.
Ayen ur ilaq ara ad tesxelḍeḍ d ddinar umḍin azzayri
| Allal | Win i t-id-yessufuɣen neɣ i t-yesseḥkamen | Addad |
|---|---|---|
| Lkaɣeḍ d yiṣurdiyen | Banque d'Algérie | Tadrimt tafiduyart i yettezzin |
| Ayen yellan deg umiḍan n lbanka, takarḍa CIB | Tabanka n tseṭṭa | Tadrimt n tira, tella ass-a |
| Amiḍan CCP, takarḍa Edahabia, BaridiMob | Algérie Poste | Tadrimt n tira, tella ass-a |
| Bitcoin, stablecoins, ijitunen « DZ » | Imeskaren usligen, s waṭas ur ttwassnen ara | Tidrimin tuhlisin yettwagedlen s lqanun n tedrimt n 2018 |
| Ddinar umḍin | Banque d'Algérie (asenfaṛ) | Ur yelli ara ar ass-a |
Afextiw n « yidinaren umḍinen » n tkerkas
Isebtar n yiẓeṭṭa inmettiyen ttakent-d tikwal ad taɣeḍ « idinaren n digital », ijitunen yeqqnen ɣer ddinar neɣ ad teldiḍ « aqrab unṣib » s yidrimen. Ula d yiwet seg-sent ur d-tekki seg Banque d'Algérie. Taɣuri, azenzi d uṭṭaf n tedrimin tuhlisin gedlen di Lezzayer, aqrab unṣib werǧin ad t-yezzenz yiwen n umdan. Ur ttak ara akk uṭṭun n tkarḍa-k, tangalt-ik neɣ RIP-ik i yimdanen-a.
Ayɣer tabanka tamenzayt tesnulfuy tadrimt tumḍint
Iswiyen i d-sbadarent s umata tbankiyin timenzayin i yettɣaṛen MNBC sfehmen-d ayen ɣer wacu ara yettnadi ddinar umḍin:
- Asenqes n useqdec n yidrimen s ufus: aḥric meqqren aṭas seg tewsatin di Lezzayer mazal ttwaxellṣent s yidrimen s ufus, ayen yezzayen ɣef uḍfar d ssuma n usefrek n lkaɣeḍ.
- Asekcem n tedrimt: afk n yiwet n tarrayt n uxelleṣ ilektruni tazuyazt i yimdanen ur nesɛi amiḍan n lbanka.
- Tanelli n uxelleṣ: asɛu n tɣessa taɣelnawt mgal tifrat tusligin n tmura n berra.
- Tanejmuṛt: isiweḍ imiren ur ɣlayen ara, ula i tedbelt.
Isteqsiyen mazal ldin
Yal MNBC tessenkar-d yiwen n wafran n uɣawas: aswir n tuffra, tilist i yal aqrab, ma tettak lfayda neɣ ala, tamlilt n tbankiyin n tseṭṭa deg usebṭṭu, amahil war tuqqna. D iferdisen-a ara yesbadden aseqdec n tidet. Skud ur d-ffɣen ara, yal awal s telqay d tikti kan.
Ayen i d-sskanent tirmitin n tmura n berra
Kra n tmura ɛeddant yakan, s yigmaḍ yemgaraden. Bahamas senkren Sand Dollar deg 2020, Nigeria eNaira deg 2021; Ccinwa tettɛerriḍ s wudem ameqqran yuan-is umḍin. Imedyaten-a sskanen belli tadrimt tumḍint tazuyazt ur tettbeddi ara s yiman-is: di Nigeria, aseqdec yeqqim drus di tazwara, axaṭer imsewqen d twaculin ur walan ara lfayda tafessast mgal mobile money d yidrimen s ufus.
Tamsirt i Lezzayer d tasnatt. Seg tama, aseqdec ad yeqqen ɣer taqbalt ɣer yimsewqen d tifses n usnas. Seg tama-nniḍen, laman deg uḥraz n yisefka ad yesɛu tamlilt tagejdant, deg tmurt anda aṭas n tewsatin mazal ttwaxedment s yidrimen s ufus s lɛada neɣ s uḥezzeb.
Asteqsi n tbaḍnit
Tadrimt tilektrunit n tbanka tamenzayt tezmer, deg tiknikt, ad teǧǧ ameḍfuṛ n yal axelleṣ. Isenfaṛen n berra ttnadin tagnit tawezzlant gar umennuɣ mgal asired n yidrimen d uqader n tudert tusligt, s waṭas s yidrimen imecṭuḥen ur nettwaḍfar ara aṭas d usenqed yettwasǧehden ma tɛeddaḍ yiwet n tilist. Afran n Lezzayer deg waya ur yettwassen ara, ad yettwasefhem s yilugan.
Ddinar umḍin azzayri d ukridi: anwi igmaḍ yezmren ad ilin
Ddinar umḍin ur yettili ara d amerḍil, ur yettbeddil ara ikriḍiyen n lbanka. Tibankiyin n tseṭṭa ad qqiment d tid i yettɣaṛen isuturen, ttakent asellef, sselɣuyent tarzaf ɣer centrale des risques.
Ayen yezmren ad yettwabeddel i umerḍal
- Idrimen yettwabeggnen ugar: aḥeṛfi neɣ amsewweq yettwaxellṣen s wudem ilektruni yeǧǧa ameḍfuṛ n yidrimen-is, ayen yessefsusen abeggen n tezmert n tririt, i iweɛṛen ass-a i wid yettaṭṭafen idrimen s ufus.
- Tririt tawurmant: tiwziwin ttwakksent srid, s drus n uɛeṭṭel yeqqnen ɣer users s ufus.
- Amennuɣ ɣef yidrimen yettwasersen: ma yella imdanen ssenqlen aḥric seg yidrimen-nsen ɣer yiqraben umḍinen, tibankiyin ad sɛunt drus n yidrimen ara rḍlent; d ayɣer aṭas n yisenfaṛen n berra sbedden tilisa.
Igmaḍ-a d isugnen i d-yekkan seg tirmit n umaḍal, mačči d tiwtilin n Lezzayer.
Ayen i tzemreḍ ad tegeḍ seg tura
Ur ilaq ara ad terǧuḍ tadrimt tamaynut akken ad tnefɛeḍ seg uxelleṣ ilektruni. Ifecka yellan kfan i waṭas n yiseqdacen, ssifsusen daɣen taɣuri n dossier-ik sɣur tbanka.
- Sseqdec takarḍa CIB neɣ Edahabia i uxelleṣ ɣer yimsewqen yesɛan TPE neɣ QR code, d tfaturin deg Internet.
- I umahil, qbel axelleṣ s tkarḍa, ssers idrimen-ik deg umiḍan: amezruy ad yenfeɛ mi ara tessutreḍ asellef.
- Rmed imeẓla n lbanka deg Internet akken ad tḍefreḍ tigawin-ik d tewziwin-ik.
- Ḍfer ilɣa deg usmel unṣib n Banque d'Algérie deg wadeg n yimeslayen n yizenqan.
Axelleṣ ilektruni yellan yakan
Aṭas n yimeskaren imeqqranen n tfaturin, am Sonelgaz, Algérie Télécom neɣ imeskaren n tiliɣri, qeblen axelleṣ deg Internet s tkarḍa CIB neɣ Edahabia. Axelleṣ s QR code d yisiweḍ seg umiḍan ɣer umiḍan s yisnasen n lbanka d BaridiMob nnernin daɣen. Asnelmed n twacult-ik neɣ n tḥanut-ik i yifecka-a d aheyyi agamani i ddinar umḍin ma yella, aseqdec-is n yal ass ad yeṛwes ahat i yixelṣiyen-a war lkaɣeḍ, ɣas ma tagamant-is n lqanun ad temgarad.
Tikarḍiwin n uxelleṣ d tlisa-nsent ttwaskanent deg usebter-nneɣ takarḍa n ukridi di Lezzayer, ma d tuddsa tamatut n uḥric deg umnir n anagraw n lbanka azzayri.
Ddinar umḍin, abeddel n tedrimt d yisiweḍ n yinigiwen
Tadrimt tumḍint n tbanka tamenzayt teqqim s tedrimt taɣelnawt: ddinar umḍin ad yesɛu azal n yiwen n ddinar, s yiwet n ssuma tunṣibt am ddinar n lkaɣeḍ. Ur tettekkes ara, s yiman-is, amgired gar ssuma tunṣibt d ssuq n tama, i yeqqnen ɣer yilugan n ubeddel d tawwit n tedrimin n berra. Akken ad tḍefreḍ tikli n tedrimt, ẓeṛ asebter-nneɣ ɣef ssuma n ddinar azzayri.
I yiZzayriyen n berra, aqrab umḍin ma yella yezmer ass-nni ad yessefses tawwit n yisiweḍ, maca aya ad yeqqen akk ɣer yilugan n ubeddel d tdukkliwin ara yettwafernen, ur nettwassen ara ass-a.
Isteqsiyen yettuɣalen
Ddinar umḍin azzayri, yella yakan?
Ala, ur yettezzi ara ar ass-a. Tinemhalin n tedrimt bdrent-d lfayda n yiwet n talɣa tumḍint n ddinar, maca ilugan-is, awitay-is d tarrayin n usebṭṭu-s ur ttwassnen ara alamma d alɣu unṣib n Banque d'Algérie. Yal asumer i d-yeqqaren yezzenz neɣ yeldi aqrab n yidinaren umḍinen ass-a ilaq ad yettwaḥsab d win yettwaccken.
Ddinar umḍin, d tadrimt tikriptit?
Ala. Tadrimt tikriptit am bitcoin tettwasufeɣ sɣur uẓeṭṭa uslig, war aḍman azuyaz, azal-is ibeddel aṭas. Ddinar umḍin ad t-id-tessufeɣ Banque d'Algérie, ad yesɛu azal n yiwen n ddinar s telqay. Di Lezzayer, taɣuri, azenzi d uṭṭaf n tedrimin tuhlisin gedlen seg lqanun n tedrimt n 2018, ayen ur nessewḥal ara tadrimt tazuyazt tumḍint.
Acu i d amgired d tkarḍa Edahabia neɣ takarḍa CIB?
S Edahabia neɣ s tkarḍa CIB, tesseqdaceḍ idrimen yettwasersen ɣer Algérie Poste neɣ ɣer tbanka-k: d asuter ɣef tsudest-a. Ddinar umḍin ad yili d asuter usrid ɣef Banque d'Algérie, am uɛeṭṭul n lkaɣeḍ, maca ilektruni. I useqdac, aseqdec yezmer ad yeṛwes axelleṣ s tiliɣri, maca tagamant n lqanun n tedrimt ad temgarad.
Ddinar umḍin, ad yessefses tawwit n ukridi?
Mačči s wudem usrid, axaṭer ikriḍiyen ad qqimen ttunefken sɣur tbankiyin s yilugan-nsent. S wudem arusrid, axelleṣ ilektruni yettwassnen ugar yezmer ad yebeggen ugar idrimen n yimsewqen d yiḥeṛfiyen, ayen yettɛawanen ad tbeggneḍ tazmert n tririt. Lfayda-a tella yakan ass-a ma tettaṭṭafeḍ s tkarḍa, tessersayeḍ idrimen-ik deg umiḍan.
Tisuddas n wereḍḍal ara testeqsiḍ
CPA — Achat de logement neufTabanka tamenḍawt yettwasirgen sɣur Banque d'Algérie — Ardal n CPA i uɣal n tnezduɣt tamaynut, tfukk neɣ mazal tettwabna, ɣer umsenhar n uxxam (promoteur).BEA — Crédit immobilierTabanka tamenḍawt yettwasirgen sɣur Banque d'Algérie — Ardal n BEA i lebni, i usimeɣ neɣ i useggem n tnezduɣt, neɣ i uɣal-is ɣer umsenhar, ɣer umdan neɣ s LPP.BDL — Crédit immobilierTabanka tamenḍawt yettwasirgen sɣur Banque d'Algérie — Ardal n BDL i uɣal n uxxam neɣ n tnezduɣt i yimdanen.CNEP-Banque — Finance conventionnelle (brochure)Tabanka tamenḍawt yettwasirgen sɣur Banque d'Algérie — Akaram n CNEP-Banque i d-yesskanayen iṛdalen-is n uxxam imensayen: aɣal, lebni, asimeɣ, aseggem.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.