{"id":2507,"date":"2020-12-02T13:32:54","date_gmt":"2020-12-02T13:32:54","guid":{"rendered":"http:\/\/localhost\/bdl\/?page_id=2507"},"modified":"2020-12-02T13:32:54","modified_gmt":"2020-12-02T13:32:54","slug":"angem-2","status":"publish","type":"page","link":"https:\/\/www.bdl.dz\/en\/angem-2\/","title":{"rendered":"Funding ANGEM"},"content":{"rendered":"\t\t
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\r\n Le Cr\u00e9dit ANGEM<\/span>\r\n <\/i>\r\n <\/h3>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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What is it\u00a0?<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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ANGEM financing is a microcredit scheme which offers you the possibility of benefiting from support for the realization of your professional project.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Eligibility\u00a0<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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<\/i><\/div>\r\n \t
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\r\n\t \t\tBe eighteen (18) years of age or older;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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<\/i><\/div>\r\n \t
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\r\n\t \t\tBeing without income or having low, unstable and irregular income;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\tPossess know-how in relation to the planned activity;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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<\/i><\/div>\r\n \t
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\r\n\t \t\tMobilize a personal contribution corresponding to the threshold set at 1% of the overall cost of the investment;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\tNot having benefited from another aid for the creation of an activity.\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Amount of financing\u00a0<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The amount of bank credit can reach up to 70% of the overall cost of the project, with a maximum of 1,000,000 DZD.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n

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Participants\u00a0<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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<\/i><\/div>\r\n \t
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\r\n\t \t\tNational Microcredit Management Agency - ANGEM: for your support, advice and guidance in implementing your activity;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\tMutual Micro credit Guarantee Fund: to guarantee the microcredit granted by the bank;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\t BDL: For financing your project;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Reimbursement<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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A three (03) year grace period is granted for the repayment of the main bank loan and a one year grace period for the payment of interest.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Loan duration<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The duration of the bank loan is eight (08) years, including three (03) years of deferred repayment of the main loan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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The +<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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<\/i><\/div>\r\n \t
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\r\n\t \t\tRepay up to 70% of your credit and finance a credit extension.\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n <\/div>\n <\/section>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n
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\r\n How to subscribe<\/span>\r\n <\/i>\r\n <\/h3>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Registration<\/h3>\r\n
Go to the nearest ANGEM branch.<\/div>\r\n <\/div>\r\n
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Identify your project<\/h3>\r\n
Constitute your financing file.<\/div>\r\n <\/div>\r\n
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Your loan is ready<\/h3>\r\n
Benefit from your credit and realize your professional project.<\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n <\/div>\n <\/section>\n
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\r\n FAQ<\/span>\r\n <\/i>\r\n <\/h3>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n <\/div>\n <\/section>\n
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\r\n What is the "ANGEM" credit?<\/a>\r\n <\/div>\r\n
The ANGEM micro credit is granted to categories of citizens with no income and\/or with small, unstable and irregular incomes. It is intended for: The creation of activities, including at home through the acquisition of start-up equipment and raw materials.<\/div>\r\n <\/div>\r\n
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\r\n What are the conditions for granting an "ANGEM" microcredit?<\/a>\r\n <\/div>\r\n
To benefit from the ANGEM loan, the following conditions must be met:
\n\u2022\tBe eighteen (18) years of age or older;
\n\u2022\t Being without income or having low, unstable and irregular income;
\n\u2022\tHave a fixed residence;
\n\u2022\t Possess know-how in relation to the planned activity;
\n\u2022\tNot having benefited from any other aid for the creation of activities;
\n\u2022\t Mobilize a personal contribution.
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\r\n Which file must be submitted to obtain this credit?<\/a>\r\n <\/div>\r\n
For the constitution of your credit file, we inform you Madam, Sir that your file is introduced by the interlocutor of the ANGEM at the level of our Bank. This file consists of the following documents:
\n\u2022\t Handwritten request for financing addressed to the Bank, established by the promoter expressly quantified;
\n\u2022\tBirth certificate ;
\n\u2022\tCertificate of residence;
\n\u2022\tDiploma, professional qualification, training certificate, or any other document attesting to know-how;
\n\u2022\t Copy of an identity document (CIN or PC);
\n\u2022\tA copy of the eligibility and funding decision, drawn up by ANGEM;
\n\u2022\tCopy of the technical and economic study prepared jointly by the promoter and ANGEM, supplemented by the pro forma invoices for the equipment and materials and the estimate for the insurance of the equipment and materials to be acquired, for a period of one year , and\/or: Raw materials, goods, an estimate of the development work to be carried out;
\n\u2022\tCopy of the CNAS and CASNOS non-affiliation certificates.
\n\u2022\tFor retired municipal guard officers and the heirs of deceased officers, it is necessary to require, in addition, the notification of retirement or a document justifying the status of the heirs issued by the competent authority.
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\r\n What is the Amount of the Credit?<\/a>\r\n <\/div>\r\n
\u2022\tThe maximum amount of investments provided for by this device is one (01) million dinars
\n\u2022\t The amount of the credit may in no case exceed 70% of the cost of the project;
\n\u2022\tThe amount of the unpaid loan is set at 29%
\n\u2022\t The amount of the promoter's personal contribution is set at 1%;
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\r\n What is the duration of the credit?<\/a>\r\n <\/div>\r\n
The duration of the bank credit is eight (08) years, including (03) years of deferred repayment of the principal Credit.<\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n
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\r\n How do I repay my loan?<\/a>\r\n <\/div>\r\n
The repayment of your loan is made in half-yearly installments.<\/div>\r\n <\/div>\r\n
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\r\n What is the interest rate?<\/a>\r\n <\/div>\r\n
The current rate is 6.5% increased to 100%, which means that all the interest deducted on the bank loan is borne by ANGEM.<\/div>\r\n <\/div>\r\n
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\r\n What guarantees are required for ANGEM credit risk coverage?<\/a>\r\n <\/div>\r\n
The guarantees required to cover the ANGEM credit risk are as follows:
\n\u2022\t The pledge of equipment and materials;
\n\u2022\tThe rolling stock pledge;
\n\u2022\tThe delegation of all-risk and\/or multi-risk insurance on equipment and materials;
\n\u2022\tMembership of the Mutual Guarantee Fund for Micro Credits;
\n\u2022\tThe use of any other guarantee is excluded.
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\r\n If my project gets the approval of the BDL, will this be notified to me clearly, and what other documents would be required to complete my file?<\/a>\r\n <\/div>\r\n
Yes, the agreement will be notified by mail and the file must be completed by:
\n\u2022\tThe Guarantee Fund membership contract for the entire duration of the bank loan;
\n\u2022\t The receipt for payment of the promoter's personal contribution;
\n\u2022\t The transfer of the ANGEM PNR into an account;
\n\u2022\t Check pick-up orders;
\n\u2022\t A copy of the pro forma invoices or estimates, updated if necessary;
\n\u2022\t Copy of the rental lease for a minimum period of two (02) years renewable or deed of ownership in the name of the promoter;
\n\u2022\tCopy of the commercial register and\/or any other registration document (craftsman's card, etc.) ;
\n\u2022\t Copy of certificate of existence or tax card;
\n\u2022\tA report of the visit to the place to house the activity drawn up by the ANGEM guide and co-signed by the promoter with the exception of non-sedentary activities.
\n<\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n <\/div>\n <\/section>\n
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<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n <\/div>\n <\/section>\n \t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Le Cr\u00e9dit ANGEM What is it ? ANGEM financing is a microcredit scheme which offers you the possibility of benefiting from support for the realization of your professional project. Eligibility Be eighteen (18) years of age or older; Being without income or having low, unstable and irregular income; Possess know-how in relation to the planned activity; Mobilize a personal contribution corresponding to the threshold set at 1% of the overall cost of the investment; Not having benefited from another aid for the creation of an activity. Amount of financing The amount of bank credit can reach up to 70% of the overall cost of the project, with a maximum of 1,000,000 DZD. Participants National Microcredit Management Agency – ANGEM: for your support, advice and guidance in implementing your activity; Mutual Micro credit Guarantee Fund: to guarantee the microcredit granted by the bank; BDL: For financing your project; Reimbursement A three (03) year grace period is granted for the repayment of the main bank loan and a one year grace period for the payment of interest. Loan duration The duration of the bank loan is eight (08) years, including three (03) years of deferred repayment of the main loan. The + Repay up to 70% of your credit and finance a credit extension. How to subscribe     Registration Go to the nearest ANGEM branch. Identify your project Constitute your financing file. Your loan is ready Benefit from your credit and realize your professional project. FAQ What is the “ANGEM” credit? The ANGEM micro credit is granted to categories of citizens with no income and\/or with small, unstable and irregular incomes. It is intended for: The creation of activities, including at home through the acquisition of start-up equipment and raw materials. What are the conditions for granting an “ANGEM” microcredit? To benefit from the ANGEM loan, the following conditions must be met: \u2022 Be eighteen (18) years of age or older; \u2022 Being without income or having low, unstable and irregular income; \u2022 Have a fixed residence; \u2022 Possess know-how in relation to the planned activity; \u2022 Not having benefited from any other aid for the creation of activities; \u2022 Mobilize a personal contribution. Which file must be submitted to obtain this credit? For the constitution of your credit file, we inform you Madam, Sir that your file is introduced by the interlocutor of the ANGEM at the level of our Bank. This file consists of the following documents: \u2022 Handwritten request for financing addressed to the Bank, established by the promoter expressly quantified; \u2022 Birth certificate ; \u2022 Certificate of residence; \u2022 Diploma, professional qualification, training certificate, or any other document attesting to know-how; \u2022 Copy of an identity document (CIN or PC); \u2022 A copy of the eligibility and funding decision, drawn up by ANGEM; \u2022 Copy of the technical and economic study prepared jointly by the promoter and ANGEM, supplemented by the pro forma invoices for the equipment and materials and the estimate for the insurance of the equipment and materials to be acquired, for a period of one year , and\/or: Raw materials, goods, an estimate of the development work to be carried out; \u2022 Copy of the CNAS and CASNOS non-affiliation certificates. \u2022 For retired municipal guard officers and the heirs of deceased officers, it is necessary to require, in addition, the notification of retirement or a document justifying the status of the heirs issued by the competent authority. What is the Amount of the Credit? \u2022 The maximum amount of investments provided for by this device is one (01) million dinars \u2022 The amount of the credit may in no case exceed 70% of the cost of the project; \u2022 The amount of the unpaid loan is set at 29% \u2022 The amount of the promoter’s personal contribution is set at 1%; What is the duration of the credit? The duration of the bank credit is eight (08) years, including (03) years of deferred repayment of the principal Credit. How do I repay my loan? The repayment of your loan is made in half-yearly installments. What is the interest rate? The current rate is 6.5% increased to 100%, which means that all the interest deducted on the bank loan is borne by ANGEM. What guarantees are required for ANGEM credit risk coverage? The guarantees required to cover the ANGEM credit risk are as follows: \u2022 The pledge of equipment and materials; \u2022 The rolling stock pledge; \u2022 The delegation of all-risk and\/or multi-risk insurance on equipment and materials; \u2022 Membership of the Mutual Guarantee Fund for Micro Credits; \u2022 The use of any other guarantee is excluded. If my project gets the approval of the BDL, will this be notified to me clearly, and what other documents would be required to complete my file? Yes, the agreement will be notified by mail and the file must be completed by: \u2022 The Guarantee Fund membership contract for the entire duration of the bank loan; \u2022 The receipt for payment of the promoter’s personal contribution; \u2022 The transfer of the ANGEM PNR into an account; \u2022 Check pick-up orders; \u2022 A copy of the pro forma invoices or estimates, updated if necessary; \u2022 Copy of the rental lease for a minimum period of two (02) years renewable or deed of ownership in the name of the promoter; \u2022 Copy of the commercial register and\/or any other registration document (craftsman’s card, etc.) ; \u2022 Copy of certificate of existence or tax card; \u2022 A report of the visit to the place to house the activity drawn up by the ANGEM guide and co-signed by the promoter with the exception of non-sedentary activities.<\/p>\n","protected":false},"author":1,"featured_media":8800,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2507","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/pages\/2507","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/comments?post=2507"}],"version-history":[{"count":0,"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/pages\/2507\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bdl.dz\/en\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/media?parent=2507"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}