أحكام عقد القرض الاستهلاكي في القانون الجزائري على ضوء المرسوم التنفيذي رقم 51-551 المتعلق بشروط و كيفيات العروض في مجال القرض الاستهلاكي

Abstract EN

The consumption loan contract is among contracts which are constantly increasing, because of its important role in covering the consumer needs of individuals, which they can not confront through personal savings, in addition to its role in raising production and trading of goods and various machinery and equipment financed by this loan.

However, in return, the difficulty of this type of contract appears, because it is considered as a fertile ground to impose a set of arbitrary conditions of credit institutions, based in a position of force thanks to their economic ability to acquire all information related to loan operations, and to be professional in the exercise of their activity against the ignorance of the consumer, Therefore, the law has been imposed in order to restore equality in science and knowledge between them to achieve a balance in the contract of consumption loan.

Therefore, this study aims to determine the provisions of the consumption loan contract, in light of Executive Decree No.

15-114concerning the terms and conditions of offers in the field of consumption loans, focusing on the mechanisms of consumer protection against the risks of these loans.