Tazwart ɣef E-Tijara DZ deg Lezzayer
E-Tijara DZ, d tajemɛit i yettmurusen deg uswir aḍeggal n yisemḍalen deg Lezzayer. Tebna iman-is d tasnaddagt i yettakken isemḍalen i yimezdaɣen i yesɛan axeddim d tiseɣwin timecṭuḥin d tin n tlemmast (PME) deg 48 n twilayin n Lezzayer. Aseḥbiber-is amezwaru, d ad d-yessali isemḍalen s leqqaq d ufrin s useqdec n yisenasen n ufus d yiswiber. Maca, aṭas n yisallen ɣef tejmɛit-a, ur d-banen ara s wudem imesbaɣur, anagar ayen i d-banen seg yiwudaf n lḥukuma d tmuzzal yettwajurmen, akked kra n tikliwin i d-teggul tejmɛit s yiman-is.
Isem-is am fullan d "E-Tijara DZ". Yettwammuzzeg-d sɣur useqqam n tnezzut n Lezzayer. Maca, amkan n umuɣ-is ur d-iban ara. D tajemɛit tabɣurt (ur d-tban ara). Tettwaxleq deg useggas n 2018 (ur d-tban ara). Imazal-is, s umata, d iɣeṛmanen azzayriyen d yiberṛaniyen (ur d-banen ara).
Aswas n tnezzut-is d ad d-tekkes aɣilif n wamek i d-ttilin isemḍalen deg Lezzayer, ad ten-id-tessili ɣer yilem yettwaḍeggel iwakken ad tessenfali tayri n yimezdaɣen d tiseɣwin timecṭuḥin. Kra n yimḍebbren n tejmɛit-a, am CEO, CTO d Uselway n Uɣilif, ur d-banen ara yismawen-nsen deg yal akud (ur d-banen ara).
Isula n Yisemḍalen d Yiseɣliyen n E-Tijara DZ
E-Tijara DZ tettak isemḍalen n yidrimen i yimdanen akked isemḍalen n tiseɣwin timecṭuḥin. Awal ɣef yisemḍalen-a d yiseɣliyen-nsen:
- Isemḍalen n Yimdanen:
- Amḍan amecṭuḥ: 50 000 Adinar Azzayri (DA) (ur d-ban ara).
- Amḍan ameqran: 500 000 Adinar Azzayri (DA) (ur d-ban ara).
- Isemḍalen n Tiseɣwin Timecṭuḥin (PME):
- Amḍan amecṭuḥ: 200 000 Adinar Azzayri (DA) (ur d-ban ara).
- Amḍan ameqran: 5 000 000 Adinar Azzayri (DA) (ur d-ban ara).
Azalen n Yifassen d Leqwanin
Azalen n yifassen n E-Tijara DZ d wid i yettbanen d iɛlayen, deg taggara n 1.5% ar 2.5% deg waggur (ur d-ban ara). Ayagi yettban-d d amur n 18% ar 30% deg useggas (APR). Azal ufrin yettbeddil-d s waṭas ɣef leḥsab n umḍan n usemḍal, lweqt n usemḍal, d umuɣ n udrim n umsemḍal (ur d-ban ara). Lweqt n usemḍal yezmer ad yili seg 6 ar 24 waggur (ur d-ban ara), ma d tuffɣa n yedrimen ad tili yal aggur neɣ yal sin n yimalasen (ur d-ban ara).
Iɣersen d Waṭṭaf
Aṭṭaf d aɣilif deg E-Tijara DZ. Isemḍalen-nsen s umata d wid ur nesɛi ara aṭṭaf. Maca, i yisemḍalen n PME i yugaren 1 000 000 DA, yezmer ad yettwaḥqa kra n waṭṭaf am umuɣ n useqqem neɣ talɣa n useqqem (ur d-ban ara).
- Aɣers n ussemlaq: 1% ar 2% seg yedrimen yettwamḍalen (ur d-ban ara).
- Aɣers n usenqed: 2 000 DA (ur d-ban ara).
- Aɣers n usɣal n lweqt: 0.1% yal ass n usɣal (ur d-ban ara).
Asemmur n Usuter d Useqdec n Usnas n Ufus
Asemmur n usuter n usemḍal deg E-Tijara DZ yettili s wudem aḍeggal s umata. Maca, kra n yisallen ur d-banen ara ɣef wanida i yezmer umsemḍal ad d-yas s ufrin.
Tafegga n Usuter
- Asnas n Ufus: Tejmaɛit teggul-d belli yesɛa asnas n ufus i yettmurusen deg iOS d Android. Maca, isenassen-a ur d-banen ara deg yisuqqas n yisenassen s wudem imesbaɣur (ur d-ban ara).
- Aswiber: Ur d-iban ara aswiber n tejmɛit s wudem amesbaɣur, yezmer ad yili deg ussebter n uselmed neɣ d aswiber n yiwudaf kan (ur d-ban ara).
- Imukan Ifizikan: Yettwajurem belli yesɛa taɣiɣert deg tlemmast n temdint n Lezzayer (ur d-ban ara).
Asemmur d Usenqed n Yisallen
E-Tijara DZ tettak azal i useqdec n yisal n umsemḍal s wudem aḍeggal (KYC). Yezmer umdan ad d-yessekcem takarḍa n tmetti neɣ n tmagit (CNAS/CIN) d usellef n wanida yezdeɣ s usebter. Asenqed n yisallen-a yettili s umata s useqdec n tnezzagt n yisallen n tmagit n tmurt (ur d-ban ara).
Aswir n Udrim d Usenqed n Uɣilif
Tejmaɛit tettaru belli tesɛa anagraw-is n usenqed n udrim i yesɛan tikta n:
- Asenqed n tedrimt s useqdec n yiwudaf n ussikel n yedrimen.
- Umuɣ n yiberdan n yedrimen s ufus.
- Isallen n udrim n umsemḍal (ma yella).
Assefru n usuter n usemḍal yettili deg wazal n 24 n tsaɛtin (ur d-ban ara). Amdan yezmer ad yesteqsi s useqdec n SMS neɣ WhatsApp Business i yettwajurmen belli yettmurus 24/7 (ur d-ban ara).
Tuffɣa n Yedrimen
Tuffɣa n yedrimen i yettwamḍalen tzemmer ad tili s yiberdan-a:
- Asseqqem n lbunka ɣer yal lbunka n Lezzayer.
- Taɣiwant n yidrimen n ufus (BaridiMob, Mobilis Money) (ur d-ban ara).
- Akkas n yedrimen deg yisudar n LP (Algérie Poste) (ur d-ban ara).
Asnas n Ufus d Useqdec-is
E-Tijara DZ teggul-d ɣef usnas n ufus i d-tebna iwakken ad tessenqas aswir n wudem ametti deg yisemḍalen. Maca, am wakken i d-nebder yakan, asnas-a ur d-iban ara deg yisuqqas imesbaɣuren.
- Ilel n Usnas: Ur d-iban ara deg Google Play neɣ App Store (ur d-ban ara).
- Tinegwa n Usnas: Tezmer ad tesɛu imelyan n usemḍal, tasemmitt taḍeggal, umuɣ n tuffɣa n yedrimen, d uselmed n yimezdaɣen (ur d-ban ara).
- Aswir n Usnas: Ur d-iban ara.
E-Tijara DZ ur tesɛi ara aswiber n yiman-is i yettbanen, ula d amkan-is deg yimukan n tmetti d amecṭuḥ (ur d-ban ara). Ayagi yettban-d belli tejmɛit ur d-tessali ara isallen-is s wudem imesbaɣur i wakken ad tili tban i yimezdaɣen.
Aswar d Tamezzunt n Tejmaɛit
Aswar n E-Tijara DZ deg Lezzayer d ayen yettwaḥqan. Tejmaɛit teggul-d belli teṭṭef tamezzunt sɣur Bank n Lezzayer d tanegwa n usemḍal aḍeggal s ddaw n ukkan n 22-xxx (ur d-ban ara). Yettwaḥqa-d belli tejmɛit teṭṭef leqwanin n tneggarut n 19-06 d leqwanin n ECP ( electronic credit regulations).
Ar tura, ur d-iban ara wara asemmur n lḥukuma neɣ n usseqqem n leqwanin ɣef E-Tijara DZ (ar waggur n Ctember 2025). Azal n useḥbiber n umsemḍal yettili s useqdec n leqwanin n Lezzayer 18-07 ɣef useḥbiber n yisallen n yimdanen.
- Askan ufrin n APR d yiseɣliyen.
- Azal n tuffɣa n usemḍal s ufrin war aɣers n usɣal seld 6 n wagguren (ur d-ban ara).
Adig n Tejmaɛit deg Ssuq d Yimenzaɣen-is
Deg ssuq n yisemḍalen aḍeggala n Lezzayer, E-Tijara DZ ttemyenzaɣ d kra n tejmaɛiyin am MobiTassil, BaridiMob (asurif n usemḍal amecṭuḥ), d tejmaɛiyin n usemḍal amecṭuḥ n lḥukuma am Al Karama d Al Baraka.
Ayen i d-yessefran E-Tijara DZ ɣef yimenzaɣen-is:
- Asemmur aḍeggal n yisallen n umsemḍal.
- Assefru ileqqaq n usuter n usemḍal.
- Tuffɣa n yedrimen deg lweqt yettbeddilen.
Tejmaɛit teggul-d belli tesaɛa ugar n 5 000 n yimsemḍalen i yettmurusen s wudem imesbaɣur (ur d-ban ara), s umata d imezdaɣen n temdinin i yesɛan axeddim, gar 25 d 45 n yiseggasen (ur d-ban ara).
Planen n tejmɛit i tezdayt n yiseggasen i d-iteddun: ad d-terr isula imaynuten (am isemḍalen n usnarez n uxeddim) deg useggas n 2026 (ur d-ban ara). Tewwet ad tessiweḍ isemḍalen i yimezdaɣen s useqdec n isallen n telfun (ur d-ban ara).
Asumer i Yimsemḍalen Imarayen
Imsemḍalen imarayen yezmer ad d-asen ɣer E-Tijara DZ iwakken ad d-ssiwḍen isemḍalen s wudem aḍeggal. Maca, imi aṭas n yisallen ur d-banen ara s wudem imesbaɣur, yessefk ad yili umdan d ameḥraz deg usuter n usemḍal seg tejmɛit-a.
- Sellef ɣef Wayen Ur Iban Ara: Imi aṭas n yisallen n E-Tijara DZ ur d-banen ara s wudem imesbaɣur, yessefk ad d-tḥeqqed yal asellef d yal aɣers s yiman-ik.
- Azenqed n Yiseɣliyen: Azalen n yifassen d yiseɣliyen n E-Tijara DZ yezmer ad ilin d iɛlayen. Senqed-ten s tejmaɛiyin nniḍen deg ssuq.
- Tanezzawt n Usnas: Ma yella d asnas n ufus i d-tebɣiḍ ad tesqedceḍ, nadi ɣef yisallen-is deg yisuqqas n yisenassen. Ma ur d-yusa ara, d awezɣi ad d-teseqqam s yisallen-is.
- Iɣilif n Usɣal: Nadi ɣef tɣawsiwin n usɣal n lweqt d wamek i d-tettili deg tejmaɛit.
- Aselmed n Yimezdaɣen: Senqed ma yella d tidet aselmed n yimezdaɣen d ileqqaq, yettmurus 24/7.
S umata, E-Tijara DZ tettban-d d tanegwa i d-yeḥṣan isemḍalen aḍeggalen deg Lezzayer. Maca, imi ur d-ban ara aṭas n yisallen s wudem imesbaɣur, yessefk ad yili umdan d ameḥraz deg useqdec n yiseɣliyen-is d yisemḍalen-is.
