Tadrimt tineslemt di Lezzayer: ifarisen d tbankiwin

Ilugan igejdanen n tdrimt tineslemt

Tadrimt tineslemt tebna ɣef ugdal n lfayda (riba), ɣef beṭṭu n wugur d tuqqna n yal tamhelt ɣer lḥaǧa neɣ ɣer tawuri n tidet. S wawal-nniḍen, tabanka ur tettak ara idrimen s lfayda: ad taɣ, ad tekru, ad tessebnu neɣ ad tekcem d amcarik. Rrbeḥ neɣ lekra i ttemsefhamen yettwasbadu seg lɛeqd. Ireḍḍalen-a ttmuqulen imdanen yebɣan ad qadren ddin, akked wid yebɣan taxelṣit n wayyur yettwassnen seg tazwara.

Di Lezzayer, ifarisen n tdrimt tineslemt gtaren aṭas mi ldint tbankiwin tizayezt ttwiqat i yeɛnan tadrimt-a, ɣer yidis n tsuddas yettxeddmen deg wannar-a seg zik. Yal afaris ilaq ad yettwaqbel sɣur tasqamut n ccariɛa. Imniren-nneɣ ssegzayen-d lɛuqud igejdanen, amek ttwaseqdacen i uxxam, i tkeṛṛust, i yallalen, i tfellaḥt neɣ i tkebbanit, d wayen ilaqen ad tesneqdeḍ uqbel ad tezmleḍ tasumert.

Akk imniren-nneɣ n tdrimt tineslemt

Areṭṭal islami deg Lezzayer : tisertifin, lbankat, akatarAreṭṭal islami deg Lezzayer mačči d areṭṭal s lfayda s yisem amaynut : d tasertift n uzenzi, n lekra neɣ n tcercakt, yettwaḥerzen seg 2020 s ulugen n Banque d’Algérie u…Areṭṭal war lfayda di Lezzayer: qard hassan, ANGEM, afaḍAreṭṭal war lfayda di Lezzayer yezmer ad yili s ukkuẓ n talɣiwin: qard hassan, areṭṭal war lfayda n ubrid n uwanek am ANGEM, areṭṭal n lxedmat tinmettiyin n bab n…Tisbankiwin islamiyin di Lezzayer: imeskaren d tezrawinTisbankiwin islamiyin di Lezzayer sdukkulent snat n tsbankiwin yemṣadan meṛṛa d ccṛeɛ, Al Baraka Bank d Al Salam Bank, d ttwaq islamiyen i ldint seg 2020 tuget n…Ijara n tkeṛṛust di Lezzayer: kru sakin aɣ takeṛṛust-ikIjara n tkeṛṛust di Lezzayer d lekra yemṣaḥen d cciɛa: tabanka taɣ takeṛṛust, teqqim d bab-is, tettak-ak-tt s lekra, s, deg talɣa yettwassnen ugar, asenqel n tlelli deg…Ijara n yibenkan di Lezzayer: leasing aslami i yimahilenIjara n yibenkan di Lezzayer tettaǧǧa amahil ad yesseqdec tamacint, abenk ameqqran neɣ ibenkan n tujjya i d-taɣ tbanka, s uxelleṣ n lekra deg wadeg n ukridi s lfayda, s…Istisna’a i lebni di Lezzayer: tagatt, dossier, isurifenIstisna’a i lebni teǧǧa ad yettwabnu uxxam neɣ amkan n uxeddim s usɣa n lebni zdat akud s ssuma yeṭṭfen, ara yettwaxelṣen ɣer zdat, deg wadeg n lekra s tfrit. Lbanka…Moucharaka i tkebbanit di Lezzayer: tarrayt, dossier, amedyaMoucharaka teǧǧa takebbanit tazzayrit ad tesdrem asenfar s wakken lbanka ad tuɣal d tacrikt deg wadeg n tin i d-yettaken lekra: yal yiwen yettawi-d arasmal, lfayda…Moudaraba i tkebbanit di Lezzayer: amek tetteddu, iseqdacMoudaraba teǧǧa takebbanit di Lezzayer ad texdem temhelt s urasmal n win i d-yettawin idrimen, amedya lbanka, s uḥric n lfayda deg wadeg n tzemlin yeṭṭfen. Amsefrak…Lekra n tkeṛṛust tislamit di Lezzayer: isumar d usiḍenLekra n tkeṛṛust tislamit di Lezzayer tettili ugar s talɣa n Mourabaha: lbanka tettaɣ-d takeṛṛust syin tezzenz-itt-ak s tmarjit yettwabedden zdat akud, ara txelṣeḍ s…Lekra n uxxam tislamit di Lezzayer: tigtin d tbankiwinLekra n uxxam tislamit di Lezzayer tebna ɣef tegatt yettwassnen: Mourabaha i usɣa n uxxam yemmden, Ijara i lekra i d-yettawin tilin d bab n uxxam, Istisna’a i lebni.…Qard Hassan di Lezzayer: akridi war lfayda, anwa i t-id-yettakenS Qard Hassan, win i d-yettaken akridi yeǧǧa yal lfayda: amereḍṭal yettarra kan ssuma i d-yewwi, ur yettnerni ur yettenqis. Di Lezzayer, qlil ma yettwazenz am ufaris n…Salam n tfellaḥt di Lezzayer: zzenz tamegra-k uqbel akudSalam d azenzi anda amsaɣ yettxelliṣ ass-a tasewwiqt ara d-yefk uzenzay ticki: i ufellaḥ, d abrid akken ad yawi uqbel tallit idrimen n yiẓuran, n wezḍuḍ d uxeddim, s…

Mourabaha, ijara, istisna’a d salam

Mourabaha d tarrayt yettwassnen ugar: tabanka ad taɣ lḥaǧa, axxam neɣ takeṛṛust, sakin ad ak-tt-tezzenz s rrbeḥ yettwassnen, ara d-terreḍ s tixelṣiyin. Ijara d lekra s tifrat n tuɣin di taggara, tqerreb ɣer leasing, tettwaseqdac i tkeṛṛusin d yallalen. Istisna’a tessaɣ lḥaǧa ara yettwaxedmen neɣ ara yettwabnun, am uxxam: tabanka tettxelliṣ amqawal ilmend n wayen yettwaxedmen seg lecɣal alamma yekfa usenfar.

Salam d aznuzu anda lḥaǧa ad d-tettwafk sya ɣer sdat, ma d ssuma tettwaxelleṣ seg tazwara: yelha ladɣa i tdrimt n tfellaḥt, acku afellaḥ ad yeṭṭef idrimen uqbel lmeḥṣul. Yal lɛeqd seg lɛuqud-a s yilugan-is ɣef tmilkit, ɣef wanwa ara yerfden ugur d ḍḍmanat. Ɣer lɛeqd s lmendad, ssuter tabdart n tixelṣiyin s ummid-is, senqed anwa ara yerfden lasurans n lḥaǧa d yiṣeṛṛfen-nniḍen akk akud-nni.

Moucharaka, moudaraba, qard hassan d yimeḍqan n wannar

Moucharaka tesdukkul tabanka d umsaɣ deg yiwen n usenfar: yal yiwen yettak aḥric seg uqerru n yedrimen, u bḍan igmaḍ s tfernin i ttemsefhamen. Deg moudaraba, tabanka tettak idrimen-is i umsenfar i d-yettawin tamusni d uxeddim-is, rrbeḥ yettwabḍa gar-asen. Qard hassan d areḍḍal war lfayda war rrbeḥ, i yesεan iswi n tallalt, anda ttuɣalen-d kan yedrimen n tazwara, tikwal s kra n yiṣeṛṛfen n usefrek.

Al Baraka Bank d Al Salam Bank ttakent-d kan ifarisen ineslemen, ma d tibankiwin tizayezt am BNA, CPA, BADR, BDL, BEA neɣ CNEP-Banque ldint ttwiqat i yeɛnan tadrimt-a. Yal tasuddest tesεa tasqamut n ccariɛa, u tawuri-a tettwasuddes sɣur Lbanka n Lezzayer, s uqbal n tdabut tamurt n ccariɛa. Serwes rrbeḥ, iṣeṛṛfen d wakud n waṭas n tsumar uqbel ad tferneḍ.

Isteqsiyen yettuɣalen

Tadrimt tineslemt tɣla ugar n wereḍḍal aklasiki?

Mačči yal tikkelt. Tabanka tettɛeddi rrbeḥ neɣ lekra deg wemkan n lfayda, u asqam n taggara yeqqen ɣer tsuddest, ɣer wakud d yiṣeṛṛfen-nniḍen. Abrid kan akken ad tissineḍ d aserwes n tsumar yettwarun, taklasikit d tineslemt, ɣef yiwen n wazal d yiwen n wakud, s yiṣeṛṛfen akk n ufaylu.

Anwi tibankiwin i d-yettaken tadrimt tineslemt di Lezzayer?

Al Baraka Bank d Al Salam Bank xeddment kan s tdrimt tineslemt. Aṭas n tbankiwin tizayezt, gar-asent BNA, CPA, BADR, BDL, BEA d CNEP-Banque, ldint ttwiqat ineslemen deg tiwkalin-nsent. Ifarisen mgaraden seg tsuddest ɣer tayeḍ: steqsi srid deg twkalt uqbel ad theggiḍ afaylu-k, akken ad tissineḍ ayen yellan tura.

D acu-tt tasqamut n ccariɛa n tbanka?

D tasqamut deg llan yimusnawen n lfiqh d tdrimt, i yettmuqulen ifarisen i d-tettak tbanka, ttsenqiden ma mṣadan d yilugan n ccariɛa. Di Lezzayer, asenqed-a yettrennu ɣer uɛessi n Lbanka n Lezzayer. Awal-is yettaǧǧa amsaɣ ad yeẓer belli lɛeqd yeqqar s tidet ilugan i d-yettwannan, mačči d isem kan.

Tisuddas n wereḍḍal ara testeqsiḍ

Al Baraka — Dar Al Baraka YousrTabanka tineslemt yettwasirgen sɣur Banque d'Algérie — Mourabaha, Ijara neɣ Istisna'a i tnezduɣt tamaynut neɣ n taddart alamma d 12 000 000 DA, ɣef 25 n yiseggasen s wugar.Al Salam Bank Algeria — LPA, LPP, LSP, LPLTabanka tineslemt yettwasirgen sɣur Banque d'Algérie — Asmuddu ineslem n Al Salam i tnezduɣin yettwallen d tid n usenhar LPA, LPP, LSP d LPL.BNA — Finance islamique particuliersTabanka tamenḍawt yesɛan asfaylu n tdrimt tineslemt — Asfaylu ineslem n BNA: asmuddu s Mourabaha, Ijara d Istisna'a i yimdanen.CPA — Mourabaha AqarTabanka tamenḍawt yesɛan asfaylu n tdrimt tineslemt — Asmuddu n uxxam yemṣaḍan d ccariɛa n CPA, yebna ɣef tɛeqqdit n Mourabaha.

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.

Iɣbula unṣiben

Tamaɣlist n Tfellaḥt d Tneflit n Tuddar MAE — Tamaḥzant n Uwanek i tmezdagt taɣelnawt n berra

Fhem tadrimt tineslemt di Lezzayer