{"id":43049,"date":"2022-01-18T13:00:09","date_gmt":"2022-01-18T13:00:09","guid":{"rendered":"https:\/\/jazairhope.org\/?p=43049"},"modified":"2022-01-17T23:12:53","modified_gmt":"2022-01-17T23:12:53","slug":"finance-islamique-la-bdl-lance-produit-el-badil","status":"publish","type":"post","link":"https:\/\/jazairhope.org\/fr\/finance-islamique-la-bdl-lance-produit-el-badil\/","title":{"rendered":"Finance islamique : la BDL lance produit \u00abEl Badil\u00bb"},"content":{"rendered":"
La Banque de d\u00e9veloppement local (BDL)<\/a>, qui lanc\u00e9 officiellement son premier guichet de commercialisation des\u00a0produits\u00a0de\u00a0la\u00a0finance islamique<\/a>\u00a0au niveau de son agence principale \u00e0 Staouali, compte ouvrir au moins 50 guichets au cours de l\u2019ann\u00e9e en 2022 pour y commercialiser son nouveau produit\u00ab\u00a0El Badil\u00a0\u00bb .<\/h5>\n

Mieux encore, cette banque publique envisage de capter entre 5 \u00e0 8 milliards de dinars.<\/p>\n

C\u2019est ce qui a indiqu\u00e9 aujourd\u2019hui son directeur g\u00e9n\u00e9ral Youcef Lalmas, lors d\u2019une conf\u00e9rence de presse organis\u00e9e \u00e0 cet \u00e9v\u00e9nement, en pr\u00e9sence du pr\u00e9sident du Haut Conseil islamique et ancien ministre des affaires religieuses, Bouabdellah Ghlamallah, ainsi que Mohammed Boudjelal, Professeur en finance islamique et membre du Haut Conseil Islamique.<\/p>\n

A travers \u00ab\u00a0El Badil\u00a0\u00bb, la BDL compte contribuer davantage dans le d\u00e9veloppement de la finance islamique dans notre pays, a affirm\u00e9 le premier responsable de cette banque publique, ajoutant que \u00ab\u00a0nous avons pris de temps pour se lancer dans ce cr\u00e9neau, mais nos comptons doubler nos efforts pour attirer plus de clients et capter plus d\u2019argent qui circule dans le march\u00e9 informel\u00a0\u00bb.<\/p>\n

Pour le m\u00eame responsable\u00a0: \u00ab\u00a0Faire de l\u2019inclusion financi\u00e8re sera une de nos priorit\u00e9 majeure\u00a0\u00bb, a t-il insist\u00e9.<\/p>\n

Pour sa phase pilote, \u00ab\u00a0El Badil\u00a0\u00bb\u00a0 sera propos\u00e9e sous forme de guichets au niveau de neuf agences de cette banque publique.
\nIl s\u2019agit de 5 agences \u00e0 Alger, \u00e0 savoir celles de Staou\u00e9li (158), Alger Centre (107), Sidi Yahia (114), Baraki (108) et Hussein Dey (104), en plus des agences de Constantine (318), Gharda\u00eea (185), Oran (420) et S\u00e9tif (374).\u00a0 Ces neuf guichets islamiques seront op\u00e9rationnels progressivement durant le mois de janvier en cours, a pr\u00e9cis\u00e9 Youcef Lalmas.<\/p>\n

Et d\u2019ajouter qu\u2019\u00e0 moyen termes, \u00ab\u00a0 nous avons fix\u00e9 un objectif de couvrir l\u2019ensemble des wilayas du pays, a travers notre r\u00e9seau qui est assez \u00e9touff\u00e9\u00a0\u00bb. l\u2019objectif \u00e9tant de mettre le produit \u00ab\u00a0El Badil\u00a0\u00bb \u00e0 port\u00e9 de tous les citoyens.<\/p>\n

El \u00ab\u00a0Badil\u00a0\u00bb pr\u00e9voit neuf produits certifi\u00e9s par l\u2019Autorit\u00e9 Chara\u00efque nationale de la Fetwa pour l\u2019industrie de la finance islamique et le Comit\u00e9 de contr\u00f4le chara\u00efque de la banque.
\nIl s\u2019agit des produits Ijara Mountahia Bitamlik, Mourabaha v\u00e9hicule, Mourabaha consommation, Mourabaha investissement pour les entreprises, Mourabaha exploitation pour les entreprises, compte courant islamique, compte ch\u00e8que islamique,compte d\u2019\u00e9pargne islamique et d\u00e9p\u00f4t en compte d\u2019investissement \u201cMoudarabah.<\/p>\n

Pour sa part, Mohammed Boudjelal, Professeur en finance islamique et membre du Haut Conseil Islamique l\u2019Alg\u00e9rie a tenu a pr\u00e9ciser qu\u2019\u00e0 l\u2019instar des pays musulmans, \u00e0 des potentialit\u00e9s \u00e9normes pour le d\u00e9veloppement de la finance islamique.<\/p>\n

Il s\u2019agit pour lui d\u2019un gisement de croissance qu\u2019il faut toutefois prendre le temps pour l\u2019exploiter et faire naitre l\u2019esprit de la comp\u00e9tition entres les banques afin d\u2019avoir des produits de qualit\u00e9 \u00e0 des prix comp\u00e9titifs.
\nIl a pr\u00e9cis\u00e9 que, dans notre pays, les op\u00e9rateurs \u00e9conomiques et les m\u00e9nages ont toujours manifest\u00e9 leur d\u00e9sir de voir les produits bancaires charia compliant g\u00e9n\u00e9ralis\u00e9s aux banques de la place, particuli\u00e8rement les banques publiques qui s\u2019accaparent 86% du march\u00e9 bancaire.<\/p>\n

\u00ab\u00a0Bien que nous sommes au d\u00e9but du lancement des guichets islamiques. \u00a0Le rythme d\u2019ouverture de guichets atteignant pr\u00e8s de 140 agences et de comptes bancaires est lui aussi un indicateur de la contribution de la FI \u00e0 mobiliser une \u00e9pargne qui attendait justement une offre charia compliant \u00bb, a-t-il encore expliqu\u00e9.<\/p>\n

Nacima Benarab<\/strong><\/p>\n

dzentreprise.net<\/p>\n","protected":false},"excerpt":{"rendered":"

La Banque de d\u00e9veloppement local (BDL), qui lanc\u00e9 officiellement son premier guichet de commercialisation des\u00a0produits\u00a0de\u00a0la\u00a0finance islamique\u00a0au niveau de son agence principale \u00e0…<\/p>\n","protected":false},"author":61,"featured_media":43051,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[35],"tags":[],"class_list":["post-43049","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie"],"yoast_head":"\nFinance islamique : la BDL lance produit \u00abEl Badil\u00bb - AAH.JZR<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/jazairhope.org\/fr\/finance-islamique-la-bdl-lance-produit-el-badil\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Finance islamique : la BDL lance produit \u00abEl Badil\u00bb - AAH.JZR\" \/>\n<meta property=\"og:description\" content=\"La Banque de d\u00e9veloppement local (BDL), qui lanc\u00e9 officiellement son premier guichet de commercialisation des\u00a0produits\u00a0de\u00a0la\u00a0finance islamique\u00a0au niveau de son agence principale \u00e0…\" \/>\n<meta property=\"og:url\" content=\"https:\/\/jazairhope.org\/fr\/finance-islamique-la-bdl-lance-produit-el-badil\/\" \/>\n<meta property=\"og:site_name\" content=\"AAH.JZR\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/jazairhope\" \/>\n<meta property=\"article:published_time\" content=\"2022-01-18T13:00:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/jazairhope.org\/wp-content\/uploads\/2022\/01\/LOGO-BDL.png\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Toufan\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Toufan\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/jazairhope.org\\\/fr\\\/finance-islamique-la-bdl-lance-produit-el-badil\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/jazairhope.org\\\/fr\\\/finance-islamique-la-bdl-lance-produit-el-badil\\\/\"},\"author\":{\"name\":\"Toufan\",\"@id\":\"https:\\\/\\\/jazairhope.org\\\/fr\\\/#\\\/schema\\\/person\\\/7307bafab49aeb129fb6fc80d18d5a4f\"},\"headline\":\"Finance islamique : la BDL lance produit \u00abEl Badil\u00bb\",\"datePublished\":\"2022-01-18T13:00:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/jazairhope.org\\\/fr\\\/finance-islamique-la-bdl-lance-produit-el-badil\\\/\"},\"wordCount\":593,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/jazairhope.org\\\/fr\\\/finance-islamique-la-bdl-lance-produit-el-badil\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/jazairhope.org\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/LOGO-BDL.png\",\"articleSection\":[\"\u00c9conomie\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/jazairhope.org\\\/fr\\\/finance-islamique-la-bdl-lance-produit-el-badil\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/jazairhope.org\\\/fr\\\/finance-islamique-la-bdl-lance-produit-el-badil\\\/\",\"url\":\"https:\\\/\\\/jazairhope.org\\\/fr\\\/finance-islamique-la-bdl-lance-produit-el-badil\\\/\",\"name\":\"Finance islamique : la BDL lance produit \u00abEl Badil\u00bb - 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