Salam, d azenzi yettwaxelleṣen uqbel
Salam d yiwet seg tsuraf tiqlilin i yeqbel ccṛeɛ islamique ɣef uḥeggel n uzenzi n wayen ur tesɛiḍ ara mazal. Lɛada teqqen-it ɣer tallit anda ifellaḥen n Lmadina zzenzen tiyni-nsen yiwen neɣ sin n yiseggasen uqbel tamegra; Nnbi yeǧǧa-t s tewtilt ad ilin ttwassnen ugmar, lkil d wass n tririt. Aseddeṛ-a aqbur mazal yemṣada s waṭas d usuter n ufellaḥ azzayri i yessefraken idrimen deg lexrif i tmegra n yunyu.
Deg usaḍuf, mačči d akridi. Lbanka taɣ tasewwiqt yerna txelleṣ ssuma akk deg wass n uzmal. Afellaḥ, i yuɣalen d azenzay, yettɛahad ad d-yefk tasewwiqt-a deg wass yettwaqbel. Ur yettarra ihi ara idrimen: yettxelliṣ s yirden, s temẓin, s tiyni neɣ s lbeṭaṭa.
Tiwtilin n tɣara n Salam n tfellaḥt
Tasewwiqt yettwaglemen, mačči d iger ibanen
Tasewwiqt ilaq ad tettwabadu s ṣṣenf-is, s tewsit-is, s tɣara-s d ugmar-is: d amedya akka n yikintalen n yirden iqquren n tɣara n tnezzut yettwasbedden. Ur ilaq ara ad teqqen ɣer tfarsit n yiger ibanen, acku ma yella iger-nni yeṭṭef-it lmuṣiba, asiweḍ ad yuɣal d awezɣi yerna lɛeqd ad yebnu ɣef uɣbel yettwagedlen (gharar). Afellaḥ yettɛahad ɣef ugmar i yezmer, ma yuḍen, ad t-id-yawi seg wadeg nniḍen akken ad yeqḍu asiweḍ-is.
Ssuma yettwaxelleṣen akk seg tazwara
Ssuma ilaq ad tettwaxelleṣ akk deg wass n uzmal n lɛeqd, neɣ deg wakud wezzilen aṭas ilmend n yimeẓhaben. Axelleṣ s tḥeṣṣa ad ibeddel tigawt ɣer uzenzi n ttlaba s ttlaba, ayen ur yeqbil ara Salam.
Ass d umkan n usiweḍ yettwasbedden
Lɛeqd yettbeddu ass neɣ tallit n usiweḍ d umkan: lmaxzen n tkubiṛatiṛ, silo, lmaxzen n umsaɣ. Ssṛef n usiweḍ ar umkan-a ilaq ad ttwafken s wudem ibanen i yiwen seg yidisan.
Amek tessnas lbanka Salam di Lezzayer
Yettwaqbal deg 2020 sɣur Banque d’Algérie, alugen 20-02 yefka aseddeṛ i tigawin n usellef islamique yerna yebder Salam gar-asent. Yal afaris ilaq ad yawi rray yemṣadan n tnesbaḍt taɣelnawt n lfetwa yesɛan tazmert deg usellef islamique, yettwasbedden ɣer Haut Conseil islamique, syin ad yettwaqbel sɣur ukomiti n uɛessi n charia n daxel. Al Salam Bank d tewwura islamiques n tbankiwin tizayezin am BNA neɣ CPA (i d-yettaken daɣen isellafen s e-Tamwil) ttbeggint-d tifrat yemṣadan d charia; BADR, lbanka taqburt n umaḍal n tfellaḥt, teldi daɣen tawwurt islamique. Salam n tfellaḥt yeqqim ɣas akken ur yettwassen ara am mourabaha: ilaq ad testeqsiḍ srid tasga ma yettwazenz i yiḥric i tebɣiḍ.
Salam parallèle
Lbanka ur tella ara akken ad teḥrez ammud. Tezmel ihi s waṭas lɛeqd wis sin n Salam, i wumi qqaren parallèle, anda tettzenz i umsenfal (semoulerie, minoterie, tasudawt n uɛebbi) agmar-nni kan, ara yettwafken deg wass-nni kan. Sin-a n lɛuqud ilaq ad qqimen d imagladen deg usaḍuf: ma yella afellaḥ ur d-yefki ara, lbanka teqqim teṭṭef awal ɣer umsaɣ-is. Tifrat nniḍen d asbadu n ufellaḥ neɣ n wayeḍ am uwekkil akken ad yezzenz tasewwiqt deffir usiweḍ.
Tiḍmanin
Lbanka tezmer ad tessuter aḍamen, rehn neɣ hypothèque ɣef wayla n ufellaḥ akken ad teḥrez iman-is ma yella ur d-yefki ara. Tezmer daɣen ad tessuter ad tettwasurans tmegra ɣer usurans n tfellaḥt am CNMA.
Amedya i usfehem n Salam ɣef yirden iqquren
Amedya i usfehem (ssuma d yigmaren n tikti, ur qqinen ara ɣer barème unṣib): deg tubeṛ, afellaḥ n wammud n Hautes Plaines yezmel Salam ɣef 300 n yikintalen n yirden iqquren ara d-yefk deg yulyu ɣer silo n tkubiṛatiṛ. Ssuma yettwaqbel d 5 000 DA i ukintal, yettwaxelleṣ ɣef ufus: yettawi 1 500 000 DA akken ad yeslef iẓuran, azeḍḍuḍ, lmazut d ukraḍ n tmacint n tmegra.
Ass-nni kan, lbanka tettzenz s Salam parallèle 300 n yikintalen n tɣara-nni kan i semoulerie, s ssuma n 5 400 DA i ukintal, d 1 620 000 DA. Tafayda-s tamatut d 120 000 DA, d 8 % n wazal yettwasersen, uqbel ssṛef d uɣbel. Deg yulyu, afellaḥ yettak-d; lbanka tesserr ad yettwafk i semoulerie. Ma yella ssuma n ssuq tuli deg tallit-a, afellaḥ ur yesfaydi ara seg tmerna; ma teɣli, yettwaḥrez. Salam yettbeddu ssuma, yesnifil ihi amur seg uɣbel n ssuq.
Iɣbula d uḥader i ufellaḥ
- Tamegra ur nelhi ara: lqayḍ ur yekkes ara ilaq n usiweḍ. Ilmend n yimeẓhaben, amsaɣ yezmer ad yeqbel ad yeṛǧu tallit d-iteddun neɣ ad yekkes lɛeqd syin ad d-yerr kan ssuma yettwaxelleṣen, war timernit. Ilaq ad teɣreḍ tawtilt yettwasbedden.
- Agmar meqqren aṭas: ma tɛahdeḍ ɣef ugmar yeqreben ɣer tlemmast n tfarsit, mačči ɣer tfarsit yelhan ugar, ad teǧǧeḍ tallunt n tɣellist.
- Taɣara yettwanecken: sbadu tarrayt n usenqed (tiɣri n waman, tirmin) d uḥkim ma yella umgired.
- Lexṭiyat n uɛeṭṭel: mi ara llant, s lsas ttwafkant i yigawen n lxir, mačči ad tent-teḥrez lbanka.
Tiwraqin yettwasuturen s umata d lekwaɣeḍ n tlelli neɣ lɛeqd n concession n wakal, takarḍa n uxeddim i d-tettak chambre d’agriculture n lwilaya, attestation n tnemhalt n yimeẓla n tfellaḥt, relevés n tfarsit n tallitin iɛeddan d attestation n usurans.
Salam neɣ akridi n tfellaḥt amagnu: anwa ara tferneḍ?
Salam yemṣada d tfarsiwin yemṣadan yerna fessusen i uzenzi: ammud, iqiṭen, lbeṭaṭa n usečči, tiyni n tewsatin yettwassnen. Ur yemṣada ara akken iwata d tfarsiwin tusligin aṭas neɣ d ukessar, anda aglam ibanen n tsewwiqt yuɛer ugar. I bab n lwaḥa n Biskra neɣ i ufellaḥ n lbeṭaṭa n El Oued, yezmer ad yili d tifrat yelhan ɣef ukridi n tallit; addad n tfellaḥt n tiwilayin-a yettwaskan deg yisebtar-nneɣ akridi di Biskra d akridi di El Oued.
Ifellaḥen ur nettnadi ara ɣef tifrat yemṣadan d charia zemren ad serwsen d yikriditen n tallit d usegrew s ubonifiki i d-tettak BADR, yettwaglemen deg umnir-nneɣ n akridi n tfellaḥt i ufellaḥ. I yifecka (traktur, anagraw n usrusi n waman), Ijara temṣada ugar n Salam, i hangar neɣ taxxamt n usemmiḍ ara yettwabnun, d Istisna’a i ilaq ad tmuqleḍ; akk lɛuqud ttwaserwasen deg usebter-nneɣ akridi islamique di Lezzayer.
Isteqsiyen yettuɣalen
D acu i d amgired gar Salam d ukridi n tallit?
Akridi n tallit d akridi n yidrimen i yettarra ufellaḥ s lfayda neɣ s ubonifiki deffir tamegra. Deg Salam, ulac akridi: lbanka taɣ tamegra ara d-yasen yerna txelleṣ din din, syin afellaḥ yettak-d tasewwiqt deg wass yettwasbedden. Acku ssuma tettwasbedd seg tazwara, afellaḥ ur yesfaydi ara seg tmerna n ssuma n ssuq, maca yettwaḥrez ma teɣli.
D acu ara yeḍrun ma yella tamegra ur telhi ara?
Afellaḥ yeqqim yeṭṭef awal ad d-yefk agmar yettwaqbel, ahat s uɣ-is seg wadeg nniḍen, acku lɛeqd ur yerzi ara iger ibanen. Ma yella d awezɣi, amsaɣ yezmer ad yeqbel ad yeṛǧu alamma d tallit d-iteddun neɣ ad yekkes lɛeqd syin ad d-yerr kan ssuma yettwaxelleṣen. Asurans n tmegra d ugmar yettwaɛahden s laɛqel ssenqasen s waṭas aɣbel-a.
Anwi tibankiwin i d-yettaken Salam di Lezzayer?
Salam yella gar tigawin yettwaseddṛen s yilugan n lbanka n 2020 ɣef usellef islamique. Al Salam Bank, Al Baraka akked tewwura islamiques n tbankiwin tizayezin am BNA, CPA neɣ BADR ttakent tifrat yemṣadan d charia, maca Salam n tfellaḥt ur yettwazenz ara deg yal amkan. Ilaq ad testeqsiḍ tasga ma yella ufaris yettwaldi i yiḥric-ik.
Tzemreḍ ad txedmeḍ Salam ɣef tiyni neɣ ɣef zzit n uzemmur?
Ih, ma yella tasewwiqt tezmer ad tettwaglem s wudem ibanen yerna tella s waṭas deg ssuq deg wass yettwasbedden: tawsit, tiddi, taɣara, agmar d uɛebbi. Tiyni Deglet Nour neɣ zzit n uzemmur n taggayt yettwasbedden mṣadant yid-s. Lɛeqd ilaq ad yessenfel tafarsit n tebḥirt n tiyni neɣ n uzemmur ibanen, akken ur yeqqen ara ɣer yiwen n wakal kan.
Isumar unṣiben i usnemhel
I «Isumar unṣiben i usnemhel», Asebter unṣib d imukan i ilaq ad tettwaliḍ uqbel asuter; aya ad k-yeǧǧ ad tesmenyifeḍ talɣut i d-yettwanan ɣef Salam pour financement agricole deg Lezzayer.
| Banka | Talɣut | Asaɣ |
|---|---|---|
| Al Salam Bank Algeria | financements conformes à la charia pour particuliers et professionnels | Asebter unṣib |
| Al Salam – financement véhicule | vente à tempérament/financement automobile conforme à la charia | Asebter unṣib |
| CPA – e-Tamwil islamique | Mourabaha, Ijara et financements islamiques accessibles via e-Tamwil | Asebter unṣib |
| Banque d’Algérie – règlement 2020-02 | cadre des opérations de banque relevant de la finance islamique | Asebter unṣib |
| BNA – finance islamique | gamme de financements islamiques de la banque | Asebter unṣib |
Tisuddas n wereḍḍal ara testeqsiḍ
CPA — Tabrid (chambres froides)Tabanka tamenḍawt yettwasirgen sɣur Banque d'Algérie — Asmuddu s 90 % (150 M DA s wugar, 10 n yiseggasen) i texxamin n usemmeḍ seg 300 ar 5 000 m³, s ufmiḍi yettwallen s 100 %.BNA — Crédit Pêche et AquacultureTabanka tamenḍawt yettwasirgen sɣur Banque d'Algérie — Ardal n tikli alamma d 150 M DA d wardal n usmussu ɣef 15 n yiseggasen i ṣṣyada n lḥut d usegmi n yiselman.BEA — SalamTabanka tamenḍawt yesɛan asfaylu n tdrimt tineslemt — Asellef Salam seg 3 ar 12 n wayyuren i usmuddu n tuzzyin n ufares n tfellaḥt neɣ n tmesbaɣurt.Al Baraka — Ijara entreprisesTabanka tineslemt yettwasirgen sɣur Banque d'Algérie — Akraḍ n yibenkan yemṣaḍan d ccariɛa (Ijara) i tsuddsin d imsaɣen n Al Baraka.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.