Consumer Mourabaha – 2026 Social Season Offer
What is it?
Consumer Mourabaha consists of the purchase by Banque de Développement Local - BDL of new goods and equipment, which are then resold to the customer at a price comprising the acquisition cost plus a known and pre-agreed profit margin.
50% reduction on the profit margin
As part of the 2026 Social Season Offer, Banque de Développement Local - BDL is granting an exceptional 50% reduction on the profit margin applicable to Consumer Mourabaha for all subscriptions made from September 1 to October 31, 2026.
Target customers
- Be an Algerian national;
- Reside permanently in Algeria;
- Be no more than 70 years old at the date of the financing application;
- Meet the eligibility requirements applicable to Consumer Mourabaha financing;
- Subscribe during the validity period of the offer.
Eligible goods
The offer applies to all new goods and equipment produced or assembled in Algeria and eligible for Consumer Mourabaha financing, in accordance with the applicable terms and conditions.
Profit margin
The promotional profit margin is set at 4.25% instead of 8.50%, representing an exceptional 50% reduction.
This promotional margin applies exclusively to subscriptions made from September 1 to October 31, 2026.
Financing period
The financing period ranges from three (03) months to thirty-six (36) months .
Financing amount
The Consumer Mourabaha financing amount ranges from DZD 100,000 to DZD 1,000,000.
Financing may cover up to 100% of the total value of the financed asset, including taxes , subject to the applicable eligibility requirements.
Offer period
Availability
The offer is available at all commercial branches of Banque de Développement Local - BDL.
FAQ
What is BDL Consumer Mourabaha?
Consumer Mourabaha is a financing transaction that complies with the principles of Islamic finance.
Banque de Développement Local - BDL purchases the asset selected by the customer and then resells it at a price comprising the acquisition cost plus a known and pre-agreed profit margin.
Which products are eligible for BDL Consumer Mourabaha financing?
Consumer Mourabaha is intended to finance new goods and equipment produced or assembled in Algeria , in accordance with the applicable terms and conditions.
What are the eligibility requirements for BDL Consumer Mourabaha?
The applicant must:
- Be an Algerian national;
- Reside permanently in Algeria;
- Be no more than 70 years old at the date of application;
- Meet the applicable financing eligibility requirements.
What is the financing amount for BDL Consumer Mourabaha?
The financing amount ranges from DZD 100,000 to DZD 1,000,000 .
Financing may cover up to 100% of the total value of the asset, including taxes , subject to the applicable terms and conditions.
What does the 2026 Social Season Offer include?
The offer provides an exceptional 50% reduction on the Consumer Mourabaha profit margin .
The profit margin is reduced from 8.50% to 4.25%.
What pricing conditions apply during the offer?
The profit margin applicable under the 2026 Social Season Offer is set at 4.25% instead of 8.50% .
This represents a 50% reduction on the standard profit margin .
What is the repayment period for BDL Consumer Mourabaha?
The financing period ranges from three (03) months to thirty-six (36) months.
What is the validity period of the offer?
The offer is valid from September 1 to October 31, 2026 .
The promotional profit margin of 4.25% applies exclusively to subscriptions made during this period.
Where can customers subscribe to the offer?
The offer is available at all commercial branches of Banque de Développement Local - BDL .