Adrim aḍejital deg Lezzayer la yettbeddil amek i ttɣamayen medden d yimeṣraf. S usnerni n tfungast d internet, isurfa imeẓliyen s tansayin uɣalen d abrid i yimdanen ad awin idrimen s tɣawla. Deg usefru-agi, ad neɣzef deg waṭas n tɣawsiwin n waḥbas-agi amaynut, seg yiglan ɣer yisurafen d wanida ara d-yelḥeq yimal.
Akal n Udrim Aḍejital Deg Lezzayer: Tazwara D Usefru
Lezzayer tebda tuɣal ɣer tmenɣawt n udrim, s tmerni n yiglan n tfungast. Seg tuber n 2024, timentilin n ugar n 14.8 n yimelyunen n tnezzuyin n internet d 75 n yimelyunen s tfungast. Aḥbas 24-04 (Deg tuber 2024) d Uḍris 02-25 (Deg meɣres 2025) ldin abrid i tbankin tiḍejitalin ad kecment, lameɛna s tektiwin n uzday n temnaḍt d wanida ara yili uɣref amezwuru. Timettiwin n tnezzuyt d tbankin n tɣemsa, am Algérie Poste (BaridiMob) d BNP Paribas El Djazair (Banxy), d nutenti i yezwaren ad ddunt ɣer udrim aḍejital, s useqdec n yimudaf-nsent. Tiɣawsiwin n tiknulujit n udrim (Fintech) am E-Pay DZ d Wassla DZ la mwalint ad ilint i yimdanen yettwasenfen d yinelmaden, s useqdec n twallet d usefti n usefti n udrim. Aẓayer n yisurfa imeẓliyen n tfungast yewweḍ ugar n 120 n yimelyaren n DZD deg wezgen amezwaru n 2025, s yidrimen n yisurfa gar 20.000 DZD d 50.000 DZD, d yisurafen n useggas (APR) gar 18% d 36%.
Tiɣawsiwin Timezwura n Yisurfa S Tansayin
Aṭas n tansayin n yisurfa la kecment deg ussenqed n yisurfa imeẓliyen deg Lezzayer. Gar-asent, ad naf:
- E-Pay DZ: Tiɣawsi n SARL DZ Pay. Adrim n usurfu gar 5.000 DZD d 200.000 DZD s waggur, s useggas gar 18% d 24%. Teṭṭef 1.5% s waggur, d 200 DZD i usbeddi n udrim. Tettwaḥbes sɣur Aḥbas 24-04.
- BaridiMob (Algérie Poste): Tiɣawsi n Algérie Poste. Adrim gar 10.000 DZD d 150.000 DZD, s useggas n 20%. Ulac isurafen n tnezzuyt, d iɣwawen QR war idrimen. Teṭṭef sɣur Tbanka n Lezzayer.
- Yassir Express Loan: Tiɣawsi n YASSIR SA. Adrim gar 5.000 DZD d 50.000 DZD, s useggas gar 22% d 30%. S waggur 1 ɣer 3 n wagguren. Tiggett n udrim n tbanka aḍejital mazal tettraju.
- Tamweel DZ: Tiɣawsi n Tamweel DZ SARL. Adrim gar 10.000 DZD d 100.000 DZD, s useggas n 24% s waggur (agar 288% s useggas). Gar 3 d 24 n wagguren, d 3% n udrim n usenfar. Teṭṭef sɣur Aḥbas 24-04.
- Banxy (BNP Paribas El Djazair): Tiɣawsi n Natixis DZ. Adrim gar 50.000 DZD d 500.000 DZD, s useggas gar 12% d 18%. Arma 36 n wagguren, d 1% n udrim n tnezzuyt. Teṭṭef sɣur Tbanka n Lezzayer.
- Al Baraka DZ: Tiɣawsi n Al Baraka Bank Algeria (s ussezgi aslam). Adrim gar 20.000 DZD d 300.000 DZD, s useggas gar 10% d 15%. Gar 6 d 36 n wagguren. Teṭṭef sɣur Aḥbas 24-04.
- Wassla DZ: Tiɣawsi n Wassla DZ SARL. Adrim gar 3.000 DZD d 30.000 DZD, s 10% s waggur (agar 120% s useggas). Gar 30 d 90 n wussan. War aḥbas amatu.
- E-Tijara Pay Later: Tiɣawsi n E-Tijara DZ. Adrim gar 2.000 DZD d 20.000 DZD, war asuraf. Gar 15 d 60 n wussan. Teṭṭef sɣur aḥbas n tmentilt.
- Nedjma Cash: Tiɣawsi n Nedjma Fintech SARL. Adrim gar 10.000 DZD d 100.000 DZD, s useggas gar 22% d 28%. Arma 6 n wagguren. Tiggett n udrim n tbanka mazal tettraju.
- Trust Bank DZ: Tiɣawsi n Trust Bank Algeria. Adrim gar 20.000 DZD d 500.000 DZD, s useggas gar 15% d 20%. Gar 3 d 48 n wagguren. Teṭṭef sɣur tbanka n tɣemsa.
Isurafen d Yidrimen n Yisurfa
Isurafen n useggas (APR) deg yisurfa imeẓliyen s tansayin mgaraden aṭas. Kra n tansayin n tbankin am Banxy d Trust Bank DZ sɛant isurafen ifeṛsen (12%-20% APR), ma d tiɣawsiwin n tiknulujit n udrim am Tamweel DZ d Wassla DZ ttṣeddirent isurafen meqqren aṭas (ar 288% d 120% APR). Idrimen n yisurfa mgaraden seg 2.000 DZD i yisurfa imeẓliyen am E-Tijara Pay Later arma 500.000 DZD i yisurfa imeqqranen n tbankin am Banxy d Trust Bank DZ. Aṭas n yisurfa sɛan isurafen n tnezzuyt neɣ n usbeddi n udrim, ayen yessefk ad ttwabedlen deg usenqed n udrim n usurfu s umata.
Aḥbas n Umennuɣ d Tḥunfa n Yimsudaf
Aḥbas n Lezzayer la yettarra tamawt i usnerni n udrim aḍejital s tektiwin yessegdlen. Aḥbas 24-04 yessiwel i tbankin tiḍejitalin ad sɛunt aɣref amezwuru deg Lezzayer, d ad sɛunt isefka-nsent deg Lezzayer. Aḍris 02-25 yessiwel i tiggett n udrim aḍejital, am tin n Yassir Express Loan. Tbanka n Lezzayer d tiɣawsiwin n tnezzuyt d nutenti i yettḥebbsen isurfa n tbankin d yisurfa n tnezzuyt. Lameɛna, kra n tiɣawsiwin n tiknulujit n udrim mazal war aḥbas amatu, ayen yezmer ad yessenzef imsudaf i yisurafen meqqren neɣ i yisefka n tmuhri war aḥbas.
Ihi, awi-d tamawt i yisurfa imeẓliyen s tansayin i d-yettbanen war aḥbas. Ilzem ad tezriḍ ma yella tansayt teṭṭef sɣur Tbanka n Lezzayer neɣ sɣur aḥbas n tnezzuyt. Aseqdec n tansayin war aḥbas yezmer ad yessenzef isefka-inek neɣ ad ak-yessekcem ɣer yisurafen ur nelli d inumak.
Aseqdec n Tiknulujit D Udrim n Tfungast
Lezzayer la tettwasiwul ɣer usnerni n tiknulujit deg udrim. Aṭas n tansayin n yisurfa la sqedcent aseqdec n tfungast d internet i usbeddi n yisurfa. Tifungast am E-Pay DZ, Yassir, d Wassla DZ la sqedcent tnezzuyin n twallet i usbeddi n udrim s tɣawla. BaridiMob la sqeddec iɣwawen QR i tmentilin war idrimen. Tiknulujit n usefti n udrim s useqdec n uselken n tfungast d yisefka n tmentilin la tettwasqeddec sɣur kra n tansayin am Yassir d E-Pay DZ i uselken n udrim war assaɣ amatu.
Tikli n Udrim D Yimal
Akal n udrim aḍejital deg Lezzayer la yettnerni s tɣawla. Aṭas n tiɣawsiwin n tiknulujit n udrim la kecment deg ussenqed, d tbankin n tɣemsa la sqedcent tiknulujit n tfungast. Tikli n yimal ad tili deg usnerni n ussinig n yisurfa, d usseddu n aḥbas n umennuɣ. Ilzem ad ttili tḥunfa n yimsudaf i wakken ad yili usseqdec adrim aḍejital s lemɛna d umennuɣ.
Tigejda i Yimsudaf
I wakken ad teḥnuned iman-ik deg waḥbas n yisurfa imeẓliyen, ilzem ad teḍferḍ kra n tektinin:
- Sken aḥbas: Sqedc kan tansayin i teṭṭef Tbanka n Lezzayer neɣ sɣur aḥbas n tnezzuyt.
- Sken adrim s umata: Sken isurafen n tnezzuyt, n usbeddi, d yisurafen n tmeddit i wakken ad tezriḍ adrim n usurfu s umata (APR agihi).
- Beddu s udrim ameẓyan: Awi-d asurfu ameẓyan akken ad tezriḍ amek i teqqarḍ tansaɣt d usbeddi n udrim.
- Ḥnun iman-ik: Fk i tansayin kan isefka n tmuhri ilaqen; ur tefk ara isefka n tmunt neɣ n wanida ur ilaq ara.
- Rred idrimen s webrid: Ssegḍel amezruy n udrim-inek akken ad tessaweḍ ɣer yisurafen ifeṛsen d yidrimen imeqqranen deg tansayin teṭṭef.
Aseqdec n yisurfa imeẓliyen s tansayin yezmer ad yili d amaynut i waṭas n yimdanen, lameɛna s ussinig d tḥunfa, yezmer ad yili d amaynut ara d-yefken aṭas n lbaḍna i yidrimen-inek.
