Tazwert ɣef Diar Dzair deg Lezzayer
Diar Dzair, s yisem-is unṣib "Diar Dzair e-commerce et innovation", d taɣiwant tamenzut deg Lezzayer i d-yefkan asekked n ugaru s wudem afizaw, yeṭṭfen deg leḥkam n ccariɛa. Tettwabna deg useggas n 2020, taɣiwant-a d SARL (taɣiwant n usenṭeṭ i yifermanen) yesɛan leqwanen n Lezzayer. Iswi-s d aserɣed n tigawin n uxxam, timuṭuṛin d iferdisen ilektṛuniyen s tqesṭin, s tẓuri-s "Dar Taksit". Seg wass-nni, Diar Dzair teẓra asnulfu ameqqran, tessaweḍ ad tessexdem ugar n 200 n yixeddamen, u tegla s tnekra n USD 18.5 n yimelyunen deg 2024. Tazwara n useggas 2025, Diar Dzair tella tettḥeddir iman-is i wakken ad tekcem deg tasuqilt n Algiers Stock Exchange, dɣa ad ternu ad tebḍu ɣer tmura n Tunes d Ssenegal.
Taɣiwant-a tettwagga deg soq n Lezzayer s yisem-is n usekked afizaw yeḥwaǧen imezdaɣ iḥettmen ad ṭṭfen deg leḥkam n ccariɛa. Tetwasbedd i wakken ad tesshel i yimezdaɣ n Lezzayer, ladɣa wid yesɛan targalt, iεsekṛiwen d yimɣaren, ad ẓren tigawin nsen war aṭṭaf n udrim s wudem amezwaru. Ism-is n leqwanen d RC 16/00-1013565B18, NIF 001816101356596, NIS 001816530214746.
Iɣewwaṛen n Uswed akked Tinezzayt n Diar Dzair
Diar Dzair tefka iɣewwaṛen n usekked n ugaru yeṭṭfen deg leḥkam n ccariɛa s uneqqas n Dar Taksit. Iɣewwaṛen-a fkan afus i yimezdaɣ i wakken ad ẓren tigawin mebla ad tḥettmen ad fken idrimen meqqren deg tazwara.
- Tigawin n Uswed: Diar Dzair tefka aṭṭaf i waṭas n tigawin am:
- Iferdisen n uxxam (aḥlalas, iseqqayen, akken d-yettwaḥkem)
- Timuṭuṛin
- Iferdisen ilektṛuniyen (tilifunen, ikumpiṭṛen, d wiyaḍ)
- Aṭṭaf n Udrim:
- Aṭṭaf amecṭuḥ n tigawt: 80,000 ADZ (~USD 525)
- Aṭṭaf ameqqran n tigawt: 300,000 ADZ (~USD 1,970)
- Iḥricen n Userreɣ akked Wasṭa: Diar Dzair, s tdukli-s d Al Salam Bank Lezzayer, ur tefki ara ifuṛuḍen (riba) acku d ccariɛa. Ssexdamen taɣiwant n uzenzi s rbeḥ i wakken ad tḥettem aserreɣ. Asemsel (simulation) afizaw ara d-yefken aḥric n rbeḥ akked wakud n userreɣ i yal amseqdac.
- Wakud n Userreɣ:
- Seg 12 alamma d 60 n wagguren i yimseqdacen yesɛan targalt.
- Alamma d 60 n wagguren i yimseqdacen nniḍen.
- Amud n Tqesṭin (Amedya n tmeyyi CK 110):
- 60 n wagguren: 6,790 ADZ yal aggur.
- 48 n wagguren: 8,063 ADZ yal aggur.
- 36 n wagguren: 10,230 ADZ yal aggur.
- 24 n wagguren: 14,690 ADZ yal aggur.
- 12 n wagguren: 28,950 ADZ yal aggur.
- Isura:
- Afaris n tinezzayt n Dar Taksit ur yettwaqqaren ara.
- Afaris n useggem n yiḍrisen deg uxxam ur yettwaqqaren ara.
- Afaris n uṣiweḍ n tigawt ɣer uxxam ur yettwaqqaren ara.
- Afaris n unegguẓ: 30,000 ADZ i wemseqdac ma yegguma ad yesteḥqer asuter-is.
- Aḥṣar: Ur tḥettem ara aḥṣar n yiɣerbazen n wudmawen nniḍen, anagar asayes n targalt (autorisation de prélèvement) i yimseqdacen yesɛan targalt d iεsekṛiwen.
Amek ara Tesuteḍ akked Tilmas n Userreɣ
Diar Dzair tessexdem anagraw afizaw i wesuter n usekked, yettwaḥeqqen s usellek d tneflit. Kullec yettwaḥeqqen s uẓeṭṭa, seg wasuter alamma d aṣiweḍ n tigawt.
- Imerwas n Wesuter: Kullec yettwaḥeqqen s uẓeṭṭa s usebter n Diar Dzair yelḥan akked yilifunen.
- Tallalt n Yimseqdacen:
- WhatsApp: 0770 061 764
- Tilifun: 0982 300 500
- Imel: [email protected]
- Tilmas n Wesuter (KYC & Onboarding): Asenqed afizaw yettwaḥeqqen, yettwaḥseb s targalt d yiseggasen n umseqdac. Iḍrisen iḥwaǧen (ttbeddilen s wudem n umseqdac):
- Tizelt n tmagit (2 n tmeẓri n tmeẓla).
- Tabrat n tlalit (ur t-εedda ara 6 n wagguren).
- Tizelt n tmezduɣt (i yijenyuṭen).
- Tizelt n waddad n twacult (ma yella d argaz/tamettut).
- Tabrat n uxeddim d 3 n wagguren n tsellutin n targalt (6 wagguren i yixeddamen n ddula; 1 aggur i yixeddamen n usnulfu).
- Iḍrisen n tamrabet d ccik n ubarid yesɛan akal.
- Tizelt n l'assurance sociale neɣ n tmeɣṛa (i yimɣaren).
- Tizelt n lɛesker neɣ n tnekra deg leḥkim (i yimṣeḥḥiyen).
- Aseggem n Udrim (Credit Scoring & Underwriting): Asemsel afizaw yeṭṭfen deg targalt n umseqdac, iseggasen-is, akked uḥric n uṭṭaf n udrim (ur yezmir ad yezger 30% n targalt). Asenqed-a yettwaḥeqqen s Al Salam Bank Lezzayer.
- Aṣiweḍ n Tigawin: Mi ara d-yeqqim Al Salam Bank asenqed aneggaru, tigawin ttwasḥiweḍent ɣer uxxam n umseqdac. Ur d-yettwafeqqeḍ ara udrim s ufus; idrimen n tigawt ttwaḥeqqen srid i yizenzayen.
- Ajemmar akked Userreɣ: Tiqesṭin ttwaḥeqqent s usayes afizaw n targalt neɣ s ujemmar s ufus s yiman n Diar Dzair. Ma yella yella uɣelli deg userreɣ, yettwaḥeqqen wemseqdac s tnekra n isura neɣ s unegguẓ n umeslay.
Amalway n Useqdec akked Wemkan deg Soq
Diar Dzair tessexdem ttekniṛiyin n tnekra i wakken ad tesshel i yimseqdacen-is, dɣa ad tefhem deg soq n Lezzayer.
- Afares Amensay: Diar Dzair ur tesɛi ara afares amensay yeḥeqqen; tinezzayt-is tetteddu s usebter web yelḥan akked yilifunen.
- Aẓeṭṭa Afizaw:
- Asebter web: www.diardzair.com.dz
- Ttwasexdament deg Facebook, LinkedIn, Instagram, TikTok.
- Amenzu n Usiweḍ: Diar Dzair tessaweḍ ad tessaweḍ ɣer 58 n lwilayat n Lezzayer, s useggem n yiḍrisen d uṣiweḍ n tigawin ɣer uxxam.
- Uṭṭun n Yimseqdacen: Ugar n 200 n yixeddamen i senfaliyin ɣef uṭṭun n yimseqdacen, s tnekra n USD 18.5 n yimelyunen deg 2024.
- Aɣlan akked Leqwanen:
- Diar Dzair tetteddu s leqwanen n Lezzayer ɣef usekked afizaw (Lqanun 18-05 n 10 may 2018) d leqwanen n tamrabtin (Taneɣt 03-11 n 26 meɣres 2003).
- Asekked yettwaḥeqqen s Al Salam Bank Lezzayer.
- Kul tigawt d ccariɛa, tettwaḥeqqen s KYC/AML d leqwanen n tɣellist n isefka.
- Ur d-yettwaḥeqqen ara aɣelli n leqwanen neɣ n yisura n udrim.
- Asellek n yimseqdacen: Isura ttwaḥeqqen s wudem n wul n uqerruy, yezmer umseqdac ad yegguma asuter-is s usura.
- Amkan deg Soq:
- Diar Dzair d tamezwarut deg usekked afizaw yeṭṭfen deg ccariɛa deg Lezzayer.
- Tettwacareq d timrabtin n waṭṭaf n udrim d leqwanen n BNPL am JumiaPay (s tdukli d Diar Dzair iman-is).
- Abeṭṭu: 100% asekked afizaw, aseggem n yiḍrisen deg uxxam, aṣiweḍ ɣer uxxam, tigawin yesɛan ccariɛa.
- Asnerni akked Tasuqilt: Yettwaḥeqqen ad tesseqdac IPO deg tasuqilt n Algiers Stock Exchange deg taggara n 2025. Yettwaḥeqqen ad tebḍu ɣer Tunes d Ssenegal.
- Tdukliyin: Al Salam Bank Lezzayer (asfugel n usekked), Jumia Lezzayer (BNPL), Getex Group (asekked afizaw n udrum).
- Tussniwin n Yimseqdacen: Deg usebter web, imseqdacen fkan tussniwin yelhan ɣef usellek d tallalt.
- Timḥuddiyin: Aɣelli deg useggem n yiḍrisen, aɣelli n uṣiweḍ (alamma d 15 n wussan i yiseggasen ibeɛden).
- Tineḍmar n Udrim:
- Tnekra: USD 3.9 n yimelyunen (2023) ɣer USD 18.5 n yimelyunen (2024).
- Ur d-yettwaḥeqqen ara aḥric n rbeḥ.
- Asaḍuf: Aseddu amezwaru deg 2021; details n Series A ur d-yettwaḥeqqen ara. Tettḥeddir iman-is i wakken ad tesseqdac udrim seg tasuqilt.
Tisiḍt i Wid Yettaḍnen s Diar Dzair
I wid iḥettmen ad suṭren aṭṭaf n udrim seg Diar Dzair, yelzem ad ẓren kra n tsiḍt i wakken ad ssafɛen iman-nsen d udrim-nsen.
- Fehmet Ccariɛa: Diar Dzair tefka asekked yeṭṭfen deg ccariɛa, d ayen i d-ibeddlen ɣef usekked n timrabtin nniḍen i yesɛan ifuṛuḍen (riba). Yelzem ad tefhem amek i d-yetteddu usekked-a d wamek i d-yettwaḥseb rbeḥ, mačči d ifuṛuḍen.
- Nadi ɣef Tilmas-ik: Qbel ad tesuteḍ, ssenqed akken ilaq tilmas iḥwaǧen Diar Dzair (targalt, iseggasen, iḍrisen). Ssenqed daɣen ma yella uḥric n uṭṭaf n udrim-ik ur yezmir ad yezger 30% n targalt-ik.
- Sseqdec Asemsel (Simulation): Sseqdec asemsel afizaw deg usebter n Diar Dzair i wakken ad teẓreḍ srid amek ara tili tqesṭin-ik d wakud n userreɣ. Ayen ara d-yefk asemsel-a d ayen ara d-yefk azal n usekked.
- Ssenqed Isura: Ssenqed akken ilaq isura n tinezzayt, n useggem n yiḍrisen d uṣiweḍ. Daɣen, fehmet afaris n unegguẓ ma yella teḥwaǧeḍ ad teggumeḍ asuter-ik.
- Beddel Ddiq-ik s Uẓeṭṭa: Diar Dzair d asekked afizaw, ayen i d-yefkan asellek ameqqran. Maca, ilaq ad tḥedreḍ i kra n timḥuddiyin n uṣiweḍ neɣ n useggem n yiḍrisen, ladɣa ma tzedɣeḍ deg tmiwa ibeɛden.
- Sseqdec Tallalt: Ma yella tesɛiḍ aɣilif neɣ aseggem, sseqdec srid imerwas n tallalt n yimseqdacen (WhatsApp, tilifun, imel) i wakken ad tḥasbeḍ akken ilaq.
- Ssenqed Isseqsiyen: Qbel ad teṭṭfeḍ deg umeslay, ẓer akken ilaq isseqsiyen meqqren i d-yettwaḥeqqen deg usebter n Diar Dzair. Ma yella ur tefhimed ara kra, steqsi srid.
- Beddel Akud n Userreɣ: Xtar akud n userreɣ (12 alamma d 60 n wagguren) i d-yeḥwaǧen akken ilaq udrim-ik d targalt-ik. Akud amecṭuḥ yesɛa tiqesṭin meqqren, ma d akud ameqqran yesɛa tiqesṭin imeẓyanen maca yezmer ad yessider azal n rbeḥ n usekked.
S tsiḍt-a, tzemred ad teẓreḍ Diar Dzair s wudem yelhan, ad tḥasebḍ s wudem yelhan, dɣa ad tessaweḍ ɣer udrim-ik s wudem afizaw yeṭṭfen deg ccariɛa.
