الاعتماد الإيجاري و سيلة تنمية متاحة في الجزائر

الملخص EN

Local resources are the resources on which Algeria relies the most in the process of financing the development and working on the best use and distribution of these available resources among the economic sectors according to the size, the activity and the capacity of each sector.

This cannot be achieved only by activating the Algerian banking system according to the needs of the economic development through providing effective funding instruments that are able to finance investment projects and stimulate financial intermediation, since rental accreditation is one of the most important modern modes of financing especially in regard with small and medium enterprises, it could inevitably provide them with financing alternatives without having to resort to self-funds; whereby, the asset could be used without the need to own purchased during a specific period - that might represent the economic age of the asset- and uses a rental value in return paid by the asset tenant to the leaser during the period of the lease with the tenant's commitment to the maintenance of the asset and insurance during the term of the contract.

As one of the approved funding formula in Algeria, it has been singled by the Algerian legislation with orders and regulations that allows it to widespread in the national market in view to enhance the local development and help to approve it as a bank product in which a number of leading financial enterprises are specialized such as Maghreb leasing Algeria (MLA) and Arab leasing corporation (ALC) which attracted an important category of the society that avoids dealing with riba-based banks for ideological reasons.