Amezruy d Ussuddes n Tasdawit Al Baraka deg Lezzayer
Tasdawit Al Baraka d-Lezzayer, neɣ Banque Al Baraka d’Algérie S.P.A., d tasdawit tamatut i yettwabedden deg Lezzayer s leqwanin n tmurt. Teṭṭef amkan agejdan deg usqeccel n yesduklen yettḍefaren leqwanin n Sharia, seg wasmi i d-tettwabna deg useggas n 1991. Assa-a, d yiwet gar tasdawitin timezwura i yettaken isduklen s umenzu n tineslemt deg Lezzayer.
Aswagez n Tasdawit Al Baraka yesɛa sin yimezdaɣen imeqqranen: Al Baraka Banking Group B.S.C. (ABG), i yettḍefaren 55.9% seg yeswaǧen, d Tasdawit n Tfellaḥt d Uneskar n Yidles (BADR), i yettḍefaren 44.1% n yeswaǧen. Assudes agi yeskanay leqwanin i tezmer ad tessexdem Tasdawit Al Baraka i wakken ad d-teḍfer leqwanin n Sharia deg yimuhal-is meṛṛa.
Tasdawit agi texeddem s leqwanin n
Isduklen d Yimuhal n Tedrimt i Tettaked Tasdawit Al Baraka
Tasdawit Al Baraka tettaked aṭas n yimuhal n yesduklen i yimezdaɣen-is:
- Asdukel n Uxxam (Dar Al Baraka): Adrum agi yeshel asɣen n uxxam, abnu-ines, neɣ asseqdec n yeswaǧen i useggi n uxxam.
- Asdukel n Temlift (Sayarat Al Baraka): I wid yebɣan ad aɣen taflift tamaynut s leqwanin n Sharia.
- Asdukel n Userwet (Taksit Al Baraka, Flex&asy): I yimezdaɣen i yebɣan ad aɣen aṭas n leḥwayeǧ n usserwet n yal ass.
- Isduklen i Temguriwin Timeẓyanin d Timedyanin (Al Baraka Mihnati, Musharaka i MSMEs): Isduklen i yettaken idrimen i temguriwin timeẓyanin d timedyanin i wakken ad d-tent-id-nnunten neɣ ad kemmlent lexedma-nsent. Tiwuriwin n ussikel d yidrimen n lexedma.
D acu kan, idrimen agejdanen n yesduklen d temenzuɣin-nsen ur d-tettwasneqdaṛen ara s wudem aɣelnaw. Yettili umgarad deg yidrimen d temenzuɣin ɣef leḥsab n usdukel d umesbaɣur. Tiqecra n yimeṭṭaren d yigdal n yimeṭṭaren ur d-tettwasneqdaṛen ara s wudem aɣelnaw daɣen.
Ma d iswaǧen i yettwaḥeqqen i wakken ad d-tefkem asdukel, yettili:
- Asseqdec n uxxam i usdukel n uxxam.
- Asseqdec n temlift i usdukel n temlift.
- Aṭṭaf n tigawt neɣ amesbaɣur i usdukel n userwet d temguriwin timeẓyanin d timedyanin.
Amek i Tessutrem Asdukel d Tiwuriwin-is
Ma yella tebɣiḍ ad tessutrem asdukel ɣer Tasdawit Al Baraka, zemrem ad telḥum s waṭas n yiberdan:
- Iɣerbazen: Tasdawit tesɛa 31 n yiɣerbazen deg yal tama n tmurt n Lezzayer. D ansa agejdan i ususru.
- Tasna n Internet: Tzemrem ad tessexdmem ifeṛṛa n ususru deg tesna n Internet n Tasdawit, d acu kan, asusru amagnu yettwaḥwaj ad iluḥ iɣerbazen.
- Tafasit deg yiɣerbazen: Kra n yiɣerbazen sɛan tafasit s wacu tzemrem ad tessutrem kra n yimuhal.
Tiwuriwin i yettwaḥwajen i ususru n usdukel d tid n yal tasdawit: takarḍa n tmagit taɣelnawt, adlis n tmezduɣt, d warraten i yeskanayen idrimen-nwen. Yettili daɣen usqamu n usnaram n Sharia deg Tasdawit i wakken ad d-yeẓreg ma yella asdukel yettḍafer leqwanin n tineslemt.
Aqqas n yesduklen yettili s usfugel n leqwanin n tsusmi n yidrimen d leqwanin n Sharia i yettwaḍefren sɣur Tasdawit. I wid ur nesɛi ara amezruy n yidrimen, tasdawit tettaked amkan i usnaram sɣur yimezwura n tnezduɣin i wakken ad d-teẓreg anwa i yezmer ad d-yesseqdec asdukel.
Idrimen yettwaṭṭafan s usdukel yettunefken deg usfugel n yidrimen n Tasdawit n yimesbaɣuren neɣ yettunefken s ufus deg yiɣerbazen n Tasdawit.
Tasna n Tfafilt d Yimuhal n Uḍfar
D acu kan, Tasdawit Al Baraka deg Lezzayer ur tesɛi ara tasna n tfafilt tameɣlut i yimesbaɣuren-is deg Lezzayer. Ula ma yella Tasdawit Al Baraka tamatut tesɛa tisniwin n tfafilt deg tmura nniḍen, deg Lezzayer tessexdem tasna n Internet i tzemrem ad twalim s tɛrabt d tefransist. Ma yella tebɣim ad d-tesseḥlit asusru n usdukel, yettwaḥwaj ad telḥum ɣer yiɣerbazen n Tasdawit.
Tasdawit tesɛa 31 n yiɣerbazen deg yimezwura n temdinin d yimezwura n temnaḍin n Lezzayer, i wakken ad tessehel imuhal i yimesbaɣuren-is.
Aḍfar d Yimuhal n Uḥkam
Tasdawit Al Baraka d-Lezzayer teṭṭef-d turagt-is sɣur Tasdawit n Lezzayer, deg usfugel n leqwanin n 20-02 d tmuɣli n 03-2020 i yettḍefaren imuhal n tasdawit s leqwanin n tineslemt. Tesɛa Asqamu n Ussuɣel n Sharia s zdaxel i yettaken aḍfar i yimuhal meṛṛa n Tasdawit, i wakken ad qaren ma yella yettḍefaren leqwanin n tineslemt.
Ur d-yettwabdar ara wara n yigdal neɣ n yimuhal n uḥkam deg Tasdawit Al Baraka deg yimezwura n tmurt. I wakken ad tḥader ɣef yimesbaɣuren-is, Tasdawit tettaked idlisen yettwaxedmen s ṣṣfa deg yiɣerbazen-is, yerna tesɛa imuhal n usmekti n yigdal s umenzu n Tasdawit n Lezzayer.
Timeslayt n Yimezdaɣ d Umkan deg Usseqqar
Deg useggas n 2018, Tasdawit Al Baraka tesɛa azal n 2% seg yidrimen yettwadmen deg tasdawit n Lezzayer. D tasdawit i yettaken azal i yimesbaɣuren n tlemmast n yidrimen d temguriwin timeẓyanin d timedyanin.
Ur d-tettwasneqdaṛ ara waṭas n tmeslayt n yimesbaɣuren s wudem aɣelnaw. D acu kan, kra n yimeslayen n yimezdaɣen i d-yettbanen s yiman-nsen qaren-d belli imuhal deg yiɣerbazen d imeslayen d imeddukkal, d acu kan, imuhal n tfafilt d yimeslayen n ususru deg Internet yettili-d cwiṭ n uɛeṭṭil.
Gar tmeslayin n yimezdaɣen i d-yettbanen:
- Aɛeṭṭil deg yisusruyen n yesduklen, imi yettwaḥwaj ad telḥum ɣer yiɣerbazen.
- Ur d-tettwasneqdaṛ ara tmuɣli n yidrimen n usdukel deg Internet.
Aseqdec n yimesbaɣuren yettili-d deg yiɣerbazen d ubrid n tiliɣri (+213 661 900 832). Gar yimuhal i d-yekkan s yiman-nsen, yella usdukel n 167 n MSMEs deg Gherdaya s umenzu n Musharaka, s yigdal meẓẓiyen kan n 2.3% deg leqwanin n tuggdi n wacu ara d-yeqqimen uqbel ṛebɛa iseggasen.
Asugem d Yimezdaɣ n Tasdawit Al Baraka
Amesbaɣur agejdan n Tasdawit Al Baraka deg Lezzayer d Tasdawit Al Salam d-Lezzayer, i yettwaxedmen seg 2009. D acu kan, asseqqar n yesduklen n Sharia yettwameɣɣer sɣur tasdawitin timezwura i yettaken "iẓra n tineslemt" deg yimuhal-nsent (am BNA, CPA, BEA).
Tasdawit Al Baraka tefka iman-is s tmussni-ines deg leqwanin n Sharia, d tin i d-yezwaren deg usseqqar, yerna tesɛa imuhal n yesduklen i temguriwin timeẓyanin d timedyanin. Tasdawit tettkemmil deg umuɣ n yiɣerbazen-is deg temdinin timeẓyanin. Tesɛa daɣen imuhal imaynuten n
Tasdawit Al Baraka tesɛa daɣen tasḥiqt d GIZ d Taneɣlit n Temguri ɣef umuɣ n MSME. Tesɛa daɣen tasḥiqt n tfafilt d Tasdawit Al Baraka deg Urdun d Maṣer.
Aleɣwi i Wid Yebɣan Ad D-Ssutren Asdukel
I wid yebɣan ad d-ssutren asdukel ɣer Tasdawit Al Baraka, d ayen ilaqen ad tfehmem kra n leḥwayeǧ:
- Ziyaret iɣerbazen: Imi aṭas n yimuhal ur d-tettwasneqdaṛ ara deg Internet, d ayen ilaqen ad tezrem aɣerbaz n Tasdawit i wakken ad d-tefkem asusru-nwen amagnu, ad tessutrem arraten d tmuɣli n yidrimen n usdukel.
- Fehmet leqwanin n Sharia: Imi Tasdawit Al Baraka texeddem s leqwanin n tineslemt, d ayen ilaqen ad tfehmem amek i texeddem
Murabaha ,Ijarah ,Musharaka d leqwanin nniḍen i wakken ad tefhem leqwanin n usdukel-nwen. - Arrati d warraten: Sagen arraten-nwen meṛṛa uqbel ad telḥum ɣer Tasdawit (takarḍa n tmagit, adlis n tmezduɣt, arraten n yidrimen-nwen) i wakken ad teshelum asusru.
- Sutrem timuɣliwin: Ula ma yella Tasdawit Al Baraka ur d-tettasqar ara timuɣliwin n yidrimen deg Internet, tzemrem ad tent-tesutrem deg yiɣerbazen, akken ad twalim ma yella yettwaḥwaj ad d-tefkem asdukel-nwen.
Tasdawit Al Baraka d-Lezzayer d tasdawit i yettaken imuhal n yesduklen s leqwanin n Sharia i yimezdaɣen d temguriwin timeẓyanin d timedyanin. Ula ma yella ur tesɛi ara tasna n tfafilt i yimesbaɣuren-is deg Lezzayer, tasdawit tettkemmil deg ussebɣar n yimuhal-is d ussebɣar n yimesbaɣuren-is.
