Alyousr

Alyousr: Tabbankt n ussissen di Merruk

Di tallit-agi n tbeddilin timaynutin, tabbankt n Alyousr tella d yiwet n tmuqqrent i d-yefkan amaynut i tɣult n usenzi n udrim di Merruk. Tabbankt-agi, i d-yelden tiwwura-s deg useggas n 2016, d nettat i d tabbankt n ussissen tamezwarut deg tmurt, i d-yekkan sɣur Tagrawt n Banque Centrale Populaire (BCP). Aseflali-yines d akken tettexbiḍ ad d-tefku timazlagin n udrim, n tbanka d n ussissen i yessemlalen akked ccarɛa n tneslemt, am Murabaḥa, Ijara, Salam, d tayeḍ.

Azal n tdukli-yines d akken tettaddam af ticrikit. Yennumak d akken yal tamezlagt n udrim i d-tefka Alyousr tettexbiḍ ad tili s tmuɣli n ussissen akked umseqdac, mačči s usekkil n rrebaḥ i yettwassen deg tbankin timensayen. Aseqdac-ines d win i yettwassnen, seg yimdanen armi d tferkiwin imeẓyanen d timqqranin, d wid yeqqaren deg tɣult n tedwit.

Tettwazgal sɣur yiwen n usqamu n Yulema, bac ad tessewjed akken iwata yal tamezlagt yessemlalen akked ccarɛa. D Ms. Mouna Lebnioury i d taselwayt n tefsna seg useggas n 2018, tettagga af usnerni n tabbankt-agi s yisental n uselkim d tzemmar timaynutin.

Timazlagin n usenzi n udrim n Alyousr

Alyousr tettak-d waṭas n timazlagin n usenzi n udrim i yettemgarraden, yal yiwet s yisem-ines d tikli-yines, maca akk yessemlalen akked ccarɛa n tneslemt. Atah kra n timazlagin i d-tefka:

Murabaḥa (Aseflali n usenzi s usnerni)

• D amenzay n usenzi i yettwaseqdacen i wulɣen n kra n tɣawsiwin am tɣerfin, tkerrusin, neɣ isemlalen n lexlaṣ.
• Tabbankt tettɣama aɣerbaz n tɣawsa i d-yetttas umseqdac, syin tessenzi-tt-id i umseqdac s yisem n usnerni i yettwamsefhamen.
• Aseflali n udrim: Armi d 80% n wazal n tɣawsa. Ulac lḥedd n ufella i wazal n tɣawsa.
• Tallit n lexlaṣ: Armi d 12 iseggasen i tɣerfin neɣ isemlalen n usenfar; armi d 5 iseggasen i tkerrusin neɣ isemlalen n lexlaṣ.
• Asekkil n rrebaḥ: Asekkil n usnerni yettwamsefhamen deg tazwara n leɛqed. Ulac rreba i yettwamseḥsaben.

Ijara (Tizli s wulɣen n ufriḍ)

• D leɛqed n tizli anda tabbankt tessenzay tamecna i umseqdac, s tezmert ad tt-yaɣ deg taggara n tallit n tizli.
• Yettwaseqdec s waṭas i usenzi n yisemlalen n lexlaṣ neɣ isenfaren imqqranen.
• Amussu: Tabbankt tettɣama tamecna, tesseklay-tt i umseqdac, syin tesseɣlay-as tamella deg taggara s leɛqed n usenzi nniḍen.

Salam (Aseflali n usenzi n zdat)

• D amenzay n usenzi i yettwaseqdacen i usenzi n lexlaṣ i tferkiwin n tnezzayt d usenfar.
• Tabbankt tettak idrimen i umseqdac deg tazwara, umseqdac yettak-d tɣawsiwin i yettwamsefhamen deg tallit n zdat.
• Amqad n udrim: Yettwaferres sɣur tḥajyat n usenfar n umseqdac.
• Azal n rrebaḥ: Yettwamsefhamen, yettwaḥsab d amenzay n usenzi, mačči d rreba.
• Isekka: Tamwilcom tettekka deg isekka, ulac tiẓṭa i umseqdac.

Tasumert tameɣrut i yimseqdacen

• D tasumert i yimdanen, ladɣa i yimegwaṭen d yimseqdacen deg tɣult n tedwit.
• Tettak-d idrimen i tḥajyat tameɣrut neɣ n lexlaṣ (aɣerbaz, takarrust, isemlalen).
• Amqad n udrim: Seg 10 000 dirham i yal taɣult.
• Tallit n lexlaṣ: Armi d 5 iseggasen i tkerrusin/isemlalen, neɣ 12 iseggasen i tɣerfin.

Asekkil n rrebaḥ, tiẓṭa d tignatin n lexlaṣ

Deg tbanka n ussissen, ulac asekkil n rrebaḥ am win n tbankin timensayen. Alyousr tetteddu s usekkil n rrebaḥ

• Tiẓṭa: Ulac tiẓṭa n usekkay. Timseqdacen i d-yekkan sɣur pack-age n timazlagin tteddun s usenqes n tiẓṭa (ar 50%) af usḥizdeg n tefrat, aseggar n idrimen, d tayeḍ.
• Isekka: Tɣawsa i d-yetttas udrim d nettat i d asekkak ameqran. Isekka n Salam s Tamwilcom tettwaḥsabent sɣur tabbankt, mačči sɣur umseqdac.

Amussu n usumer d Tafeggagt n uselkim

Alyousr tessiwjed amussu n usumer n udrim i yemmugen d alubak, ama s tfeggagt n uselkim, ama s yisuḍaf n tefsna. Tettexbiḍ ad tessebgen yal amseqdac ad yaf aɣerbaz i as-ilqan.

Amussu n usumer

• S tfeggagt n uselkim: S aseqdac ameslelli "Alyousr Connect®" i yellan deg App Store (iOS) d Google Play (Android), neɣ s uẓeṭṭa n internet n alyousrconnect.ma. Aseqdac yezmer ad yessumer s yisemlalen n uselkim s tɣerfin n dduku.
• S yisuḍaf n tefsna: Alyousr tella s yisuḍaf n BCP i yellan deg yal tamnaḍt n Merruk. Amseqdac yezmer ad yezdeɣ ar usbunkal bac ad yessumer s waẓar n tefraft n tmagit, d tefraft n udrim.

Aseqdac ameslelli "Alyousr Connect®"

Aseqdac-agi d afus n uselkim i umseqdac bac ad yeg akken iwata yal timecna s tbanka. Yezmer ad yeḍfar tafrat-ines, ad yeg aseggar n idrimen, ad yettales cheque, ad yessiwḍ i usumer n usenzi n udrim, d waṭas n tayeḍ. Aseqdac-agi yettnerni yal ass bac ad yessebgen tifrat i yessemlalen akked tḥajyat n imseqdacen. Ɣas akken yella kra n uqerri deg tmezizert n imseqdacen, Alyousr tettagga af usnerni-ynes.

Tignatin n usumer

• Aẓar n tefraft n tmagit n Merruk.
• Tafraft n udrim (taẓult n wedrim neɣ tefraft n tferkiwin).
• Aḥraz n ccarɛa n tneslemt deg yal leɛqed.

Aẓayer asekdan d Umezzi deg usenzi

Alyousr tetteddu s yisekda n Bank Al-Maghrib i d-ixelqen ass n 2016 bac ad tettekki deg tbanka n ussissen. Tettwazgal sɣur Asqamu Aɛlayan n Yulema bac ad tḥarez af ussemlal akked ccarɛa n tneslemt deg yal timecna.

Aẓayer deg usenzi d imddukal-is

Alyousr d nettat i d tabbankt n ussissen tamezwarut deg Merruk, dɣa tella d nettat i d tamezwarut deg tɣult-agi. Imddukal-is imeqranen d Bank Assafaa, Umnia Bank, Al Akhdar Bank, d tbankin timensayen i d-yelden tifranin n ussissen. Alyousr temgarad s yisental-is imeqranen, am Salam i d-tefka d tamezwarut, d timazlagin i yimseqdacen deg tɣult n tedwit. Aseflali n Tagrawt n BCP i yettwassen deg yal tamnaḍt n Merruk, d tfeggagt n uselkim n Alyousr Connect, d imenzayen i as-d-yettaken azal.

Isenfaren n tmuɣli i yimseqdacen

Ma yella tɣarḍeḍ ad tesseqdceḍ timazlagin n usenzi n udrim n Alyousr, atah kra n isenfaren i kečč:

• Afehm n ccarɛa: Ssensu akken iwata imenzayen n tbanka n ussissen (Murabaḥa, Ijara, Salam). Mačči d rreba i yellan, maca d usekkil n usnerni n usenzi neɣ n tizli.
• Aseṭṭi n usenzi: Seqdec tafeggagt n uselkim "Alyousr Connect®" bac ad tesseqdceḍ isemlalen n usenzi. S yis-sen, tzemreḍ ad tẓereḍ azalen n rrebaḥ i yettwamsefhamen d tallit n lexlaṣ i yal ameɣrut.
• Aqqar n tignatin: Qqar akken iwata tignatin n yal leɛqed. Yal aseflali n udrim yella s tignatin-ines.
• Amqad n udrim: Ssumer anagar udrim i tḥajyeḍ akken iwata, bac ad tḥarzeḍ af tzemmar-ik n lexlaṣ.
• Asumer deg usbunkal: Ma yella tḥajyeḍ ugar n usali, zdeɣ ar usbunkal n Alyousr (sɣur BCP) bac ad d-tefku tignatin akken iwata d tmuɣli n usali.
• Assemlal n yiseggalen: Alyousr tetteddu s yiseggalen yessemlalen akked ccarɛa. Ma yella yella kra n wugur, tzemreḍ ad tesseqdceḍ i tmuɣli n usali s uselkim, neɣ s useqdac ameslelli, neɣ s uẓeṭṭa 2121.

S yisental-is imaynutin, d ussemlal-is akked ccarɛa n tneslemt, Alyousr tessaweḍ ad tili d tabankt n ussissen yettwassen s waṭas deg Merruk. Tettagga af usnerni-ynes deg tɣult n uselkim, bac ad tessebgen timazlagin imaynutin i yimseqdacen-is.