دور الائتمان الايجاري في تمويل المشزوعاث

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ةيبعشلا ةيطارقميدلا ةيرئاسجلا ةيروهمجلا

صلاوب ظيفحلا دبع يعماجلا سكرلما

ةليم فو

رييستلا مولعو ةيراجتلاو ةيداصتقالا مولعلا دهعم

مسق

رييستلا مولع

م

كذ

ناونعب ةز

:

ـعإ

ــــــ

لا دادــ

ةبلط

:

فارشإ تحت

:

ةشئاع هزيبعلوب

دمصلا دبع طسابلا دبع ةيلع .د.أ

ناير حسحزوب

ذاتسالأ بقلو مسا

ةعماجلا

ةفصلا

دـــــــــيز رـــــــباج

ةـليم فوصلاوب ظيفحلا دبع يـعماجلا سـكرلما

اسيئر

دبع طسابلا دبع

ةـيلع دمصلا

ةـليم فوصلاوب ظيفحلا دبع يـعماجلا سـكرلما

اررقمو افرشم

وـــــــعارد نيدلا سع

ةـليم فوصلاوب ظيفحلا دبع يـعماجلا سـكرلما

اشقانم

ةيعماجلا ةنسلا

2018

/

2019

رود

ليومت يف يراجيلاا نامتئلاا

ثاعوزشملا

تكزبلا كنب تلاح تسارد

تنيطنسق تلاكو

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-204

The current study dealt with the problem of project financing in algeria through

leasing technology, it is thus intended to understand the financing technique by

means of leasing and how benefit from it for projects and indicate its importance

for this type of studies, the study results have shown that leasing is one of the most

important financing tools in islamic banks.

The study concluded this subject with exposure to the study of its application at

the level of Baraka Bank-constantine 402 agency. We have found that this formula

controls three quarters of the volume of funding in recent years.

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(16)

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0555

ur

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005 Murashu

leasing

Booth Junior

1950

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(20)

0500

United States Leasing Corporations

0590

Leasing

Le Crédit Bail

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(21)

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2_{Linda DEELEN, Mauricio DUPLEICH ,Louis OTHIENO, & Olivier WAKELIN , Leasing for Small and micro}

enterprise , international labor office , Geneva, Switzerland, 2003,P:04.

(30)

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(45)

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N° Date d'échéance Loyer (HT) Montant TVA Loyer (TTC) Loyers restants 1 27/11/2014 849,333.33 144,386.67 993,720.00 1,928, 846.43 2 27/02/2015 38,220.00 6,497.40 44,717.40 1, 884,129.03 3 27/03/2015 33,549.31 5,703.38 39,252.69 1, 884,876.33 4 27/04/2015 33,549.31 5,703.38 39,252.69 1, 805,623.64 5 27/05/2015 33,549.31 5,703.38 39,252.69 1, 766,370.95 6 27/06/2015 33,549.31 5,703.38 39,252.69 1, 727,118.26 7 27/07/2015 33,549.31 5,703.38 39,252.69 1, 687,865.56 8 27/08/2015 33,549.31 5,703.38 39,252.69 1, 648,612.87 9 27/09/2015 33,549.31 5,703.38 39,252.69 1, 609,360.18 10 27/10/2015 33,549.31 5,703.38 39,252.69 1, 570,107.49 11 27/11/2015 33,549.31 5,703.38 39,252.69 1, 530,854.79 12 27/12/2015 33,549.31 5,703.38 39,252.69 1, 491,602.10 13 27/01/2016 33,549.31 5,703.38 39,252.69 1, 452,349.41 14 27/02/2016 33,549.31 5,703.38 39,252.69 1, 413,096.71 15 27/03/2016 33,549.31 5,703.38 39,252.69 1, 373,844.02 16 27/04/2016 33,549.31 5,703.38 39,252.69 1, 334,591.33 17 27/05/2016 33,549.31 5,703.38 39,252.69 1, 295,338.64 18 27/06/2016 33,549.31 5,703.38 39,252.69 1, 256,085.94 19 27/07/2016 33,549.31 5,703.38 39,252.69 1, 216,838.25 20 27/08/2016 33,549.31 5,703.38 39,252.69 1, 177,580.56 21 27/09/2016 33,549.31 5,703.38 39,252.69 1, 138,327.87 22 27/10/2016 33,549.31 5,703.38 39,252.69 1, 099,075.17 23 27/11/2016 33,549.31 5,703.38 39,252.69 1, 059,822.48 24 27/12/2016 33,549.31 5,703.38 39,252.69 1, 020,569.79 25 27/01/2017 33,549.31 5,703.38 39,252.69 981,317.10 26 27/02/2017 33,549.31 5,703.38 39,252.69 942,064.40 27 27/03/2017 33,549.31 5,703.38 39,252.69 902,811.71 28 27/04/2017 33,549.31 5,703.38 39,252.69 863,559.02 29 27/05/2017 33,549.31 5,703.38 39,252.69 824,306.32 30 27/06/2017 33,549.31 5,703.38 39,252.69 785,053.63 31 27/07/2017 33,549.31 5,703.38 39,252.69 745,800.94 32 27/08/2017 33,549.31 5,703.38 39,252.69 706,548.25 33 27/09/2017 33,549.31 5,703.38 39,252.69 667,295.55 34 27/10/2017 33,549.31 5,703.38 39,252.69 628,042.86 35 27/11/2017 33,549.31 5,703.38 39,252.69 588,790.17 36 27/12/2017 33,549.31 5,703.38 39,252.69 549,537.48 37 27/01/2018 33,549.31 5,703.38 39,252.69 510,284.78 38 27/02/2018 33,549.31 5,703.38 39,252.69 471,032.09 39 27/03/2018 33,549.31 5,703.38 39,252.69 431,779.40

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833

37 3318

849333.33

188382.27

9937333

1938882.83

89 .

3 887717.83

1888872.33

37 3310

10 3319

3930387

40 27/04/2018 33,549.31 5,703.38 39,252.69 392,526.70 41 27/05/2018 33,549.31 5,703.38 39,252.69 353,274.01 42 27/06/2018 33,549.31 5,703.38 39,252.69 314,021.32 43 27/07/2018 33,549.31 5,703.38 39,252.69 274,768.63 44 27/08/2018 33,549.31 5,703.38 39,252.69 235,515.93 45 27/09/2018 33,549.31 5,703.38 39,252.69 196,263.24 46 27/10/2018 33,549.31 5,703.38 39,252.69 157,010.55 47 27/11/2018 33,549.31 5,703.38 39,252.69 117,757.86 48 27/12/2018 33,549.31 5,703.38 39,252.69 78,505.16 49 27/01/2019 33,549.31 5,703.38 39,252.69 39,252.47 50 27/02/2019 33,549.12 5,703.35 39,252.47 00 Total 2, 497,920.02 424,646.40 2, 922,566.42

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3317

3319

4102

10 4102

4102

0

3

2 3318

3310

73.92 %

72.93 %

39.38 %

.

33.11 %

3318

2787397

133 8787928

72.92 1909339

39.38 3310

8899738

011 2030738

72.93 1923983

33.13 3106

6631190

011 2222260

61.21 30628232

23.11 3109

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011 2811212

23.82 2628232

28.69 3108

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011 2121302

21.13 2632811

28.32

(63)

3318،3312

3319

%67.30

%59.95

%50.72

%32.70

%49.68

89,38

%

4102

12 4102

4102

2014 % 2015 % 2016 % 2018 % 2019 % 440583 6,50 685899 11,71 680276 19,56 4270245 65,33 4352704 71,07 185252 2,73 122569 2,09 113826 3,27 720781 11,03 781900 12,77 0 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00 1567599 23,14 1411586 24,09 1136063 32,67 515169 7,88 395875 6,46 49587 0,73 44825 0,76 44112 1,27 3575 0,05 615 0,01 4531287 66,9 3593357 61,32 1502184 43,19 1023971 15,67 590664 9,64 1367 0,02 1558 0,027 1436 0,041 2799 0,043 2798 0,05 6775675 100% 5859794 100% 3477897 100% 6536540 100% 6124556 100%

3،3،1

22.8 %

33.13 %

3318

3.7 %

3.73 %

3 %

2.0 %

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11.7 %

3310

19.0 %

3312

3318

3319

19.0 %

3312

22.3 %

3318

71 %

3319

99 1921

1928

38

0 10 20 30 40 50 60 70 80 2014 2015 2016 2018 2019

%

(65)

3318

3319

4102

12 3102

3108

3318

883083

-9.33

3310

280899

00.27

13.89 3312

283370

3.83 -10.37

3318

8373380

-139.87

3319

8303738

1.93

112.29 3،3،1

3312،3310

3318

9.33 %

13.89 %

10.37 %

3319،3318

133 %

139.87 %

112.29 %

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3102

3108

16 3102

3108

3318

8.9 3310

0.8

00.27 3312

0.2

3.83 -3317

0.7 3319

0.2

1.93

2 Banque d'Algérie, Section Principales, Bulletin statistique pour le 4

éme

trimestre 2018 N

°

44, p: 08.

8.9 ℅

ىلإ

0.7 ℅

ًنعٌ اذهو يرٍجأتلا لٌومتلا ومن ةبسن ضافخنإ لباقملا ًف

نأ

دمتعٌ لا ًعانصلا عاطقلا

.اصوصخ هٍلإ هجوم ةكربلا كنب ًف هنأ عم يرٍجأتلا لٌومتلا ىلع

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1 012 012 2 ،حبار ينوخ :ص ص ،هركذ قبس عجرم،ةيقر يناسح 6 -1 .