{"id":11717,"date":"2026-08-30T13:20:05","date_gmt":"2026-08-30T13:20:05","guid":{"rendered":"https:\/\/www.bdl.dz\/finance-islamique\/en\/?page_id=11717"},"modified":"2026-08-30T13:23:38","modified_gmt":"2026-08-30T13:23:38","slug":"consumer-mourabaha-2026-social-season-offer","status":"publish","type":"page","link":"https:\/\/www.bdl.dz\/finance-islamique\/en\/consumer-mourabaha-2026-social-season-offer\/","title":{"rendered":"CONSUMER MOURABAHA 2026 SOCIAL SEASON OFFER"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"11717\" class=\"elementor elementor-11717\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a24009e e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"a24009e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a37307f elementor-widget elementor-widget-html\" data-id=\"a37307f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n\r\n\/* =========================================================\r\n   BDL - CONSUMER MOURABAHA\r\n   2026 SOCIAL SEASON OFFER\r\n========================================================= *\/\r\n\r\n#bdl-mourabaha-offer-en {\r\n\r\n    --bdl-purple: #772481;\r\n    --bdl-yellow: #F9B500;\r\n    --bdl-orange: #f28c00;\r\n\r\n    --bdl-text: #333333;\r\n    --bdl-black: #111111;\r\n    --bdl-grey: #777777;\r\n    --bdl-light-grey: #f8f8f8;\r\n    --bdl-border: #e5e5e5;\r\n\r\n    width: 100%;\r\n    font-family: inherit;\r\n    color: var(--bdl-text);\r\n    font-size: 16px;\r\n    line-height: 1.7;\r\n    box-sizing: border-box;\r\n}\r\n\r\n#bdl-mourabaha-offer-en *,\r\n#bdl-mourabaha-offer-en *::before,\r\n#bdl-mourabaha-offer-en *::after {\r\n    box-sizing: border-box;\r\n}\r\n\r\n\r\n\/* =========================================================\r\n   MAIN TITLE\r\n========================================================= *\/\r\n\r\n#bdl-mourabaha-offer-en .bdl-title-wrap {\r\n    display: flex;\r\n    align-items: center;\r\n    gap: 22px;\r\n    margin: 0 0 38px 0;\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-title-line {\r\n    width: 50px;\r\n    height: 4px;\r\n    background: var(--bdl-yellow);\r\n    flex-shrink: 0;\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-title {\r\n    margin: 0;\r\n    color: var(--bdl-purple);\r\n    font-size: 34px;\r\n    line-height: 1.25;\r\n    font-weight: 700;\r\n}\r\n\r\n\r\n\/* =========================================================\r\n   SECTIONS\r\n========================================================= *\/\r\n\r\n#bdl-mourabaha-offer-en .bdl-section {\r\n    margin-bottom: 36px;\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-section-title {\r\n    position: relative;\r\n    margin: 0 0 16px 0;\r\n    padding-left: 18px;\r\n    color: var(--bdl-purple);\r\n    font-size: 21px;\r\n    line-height: 1.4;\r\n    font-weight: 700;\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-section-title::before {\r\n    content: \"\";\r\n    position: absolute;\r\n    left: 0;\r\n    top: 5px;\r\n    width: 5px;\r\n    height: 21px;\r\n    background: var(--bdl-yellow);\r\n}\r\n\r\n#bdl-mourabaha-offer-en p {\r\n    margin: 0 0 12px 0;\r\n}\r\n\r\n#bdl-mourabaha-offer-en ul {\r\n    margin: 8px 0 0 0;\r\n    padding-left: 22px;\r\n}\r\n\r\n#bdl-mourabaha-offer-en li {\r\n    margin-bottom: 8px;\r\n}\r\n\r\n#bdl-mourabaha-offer-en li::marker {\r\n    color: var(--bdl-purple);\r\n}\r\n\r\n\r\n\/* =========================================================\r\n   PROMOTIONAL BLOCK\r\n========================================================= *\/\r\n\r\n#bdl-mourabaha-offer-en .bdl-promo {\r\n    margin-top: 25px;\r\n    padding: 28px 30px;\r\n    background: #faf7fb;\r\n    border-left: 5px solid var(--bdl-yellow);\r\n    border-radius: 5px;\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-promo-label {\r\n    display: inline-block;\r\n    margin-bottom: 14px;\r\n    padding: 5px 12px;\r\n    background: var(--bdl-yellow);\r\n    color: #222222;\r\n    font-size: 13px;\r\n    font-weight: 700;\r\n    text-transform: uppercase;\r\n    letter-spacing: .3px;\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-promo-title {\r\n    margin: 0 0 10px 0;\r\n    color: var(--bdl-purple);\r\n    font-size: 25px;\r\n    line-height: 1.3;\r\n    font-weight: 700;\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-rate {\r\n    display: flex;\r\n    align-items: center;\r\n    flex-wrap: wrap;\r\n    gap: 13px;\r\n    margin-top: 18px;\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-old-rate {\r\n    color: #777777;\r\n    font-size: 22px;\r\n    text-decoration: line-through;\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-arrow {\r\n    color: var(--bdl-purple);\r\n    font-size: 24px;\r\n    font-weight: 700;\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-new-rate {\r\n    color: var(--bdl-purple);\r\n    font-size: 31px;\r\n    line-height: 1;\r\n    font-weight: 800;\r\n}\r\n\r\n\r\n\/* =========================================================\r\n   KEY FIGURES\r\n========================================================= *\/\r\n\r\n#bdl-mourabaha-offer-en .bdl-key-grid {\r\n    display: grid;\r\n    grid-template-columns: repeat(3, 1fr);\r\n    gap: 18px;\r\n    margin-top: 22px;\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-key-card {\r\n    padding: 22px 18px;\r\n    background: #fafafa;\r\n    border: 1px solid var(--bdl-border);\r\n    text-align: center;\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-key-value {\r\n    display: block;\r\n    margin-bottom: 5px;\r\n    color: var(--bdl-purple);\r\n    font-size: 23px;\r\n    line-height: 1.3;\r\n    font-weight: 800;\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-key-label {\r\n    display: block;\r\n    color: #666666;\r\n    font-size: 14px;\r\n}\r\n\r\n\r\n\/* =========================================================\r\n   OFFER PERIOD\r\n========================================================= *\/\r\n\r\n#bdl-mourabaha-offer-en .bdl-period {\r\n    padding: 22px 26px;\r\n    background: var(--bdl-purple);\r\n    color: #ffffff;\r\n    border-radius: 4px;\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-period strong {\r\n    color: var(--bdl-yellow);\r\n}\r\n\r\n\r\n\/* =========================================================\r\n   BUTTONS\r\n========================================================= *\/\r\n\r\n#bdl-mourabaha-offer-en .bdl-actions {\r\n    display: flex;\r\n    flex-wrap: wrap;\r\n    gap: 16px;\r\n    margin: 40px 0 55px 0;\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-btn {\r\n    display: inline-flex;\r\n    align-items: center;\r\n    justify-content: center;\r\n    min-height: 48px;\r\n    padding: 12px 24px;\r\n    border-radius: 4px;\r\n    font-weight: 700;\r\n    text-decoration: none !important;\r\n    transition: transform .2s ease, opacity .2s ease;\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-btn:hover {\r\n    transform: translateY(-2px);\r\n    opacity: .92;\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-btn-primary {\r\n    background: var(--bdl-purple);\r\n    color: #ffffff !important;\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-btn-secondary {\r\n    background: var(--bdl-yellow);\r\n    color: #222222 !important;\r\n}\r\n\r\n\r\n\/* =========================================================\r\n   FAQ TITLE\r\n========================================================= *\/\r\n\r\n#bdl-mourabaha-offer-en .bdl-faq {\r\n    margin-top: 30px;\r\n    padding-top: 5px;\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-faq-heading {\r\n    display: flex;\r\n    align-items: center;\r\n    gap: 22px;\r\n    margin-bottom: 35px;\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-faq-line {\r\n    display: block;\r\n    width: 43px;\r\n    height: 4px;\r\n    background: var(--bdl-orange);\r\n    flex-shrink: 0;\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-faq-title {\r\n    margin: 0;\r\n    color: var(--bdl-purple);\r\n    font-size: 27px;\r\n    line-height: 1.2;\r\n    font-weight: 700;\r\n}\r\n\r\n\r\n\/* =========================================================\r\n   FAQ - TWO COLUMNS\r\n========================================================= *\/\r\n\r\n#bdl-mourabaha-offer-en .bdl-faq-columns {\r\n    display: grid;\r\n    grid-template-columns: 1fr 1fr;\r\n    gap: 34px;\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-faq-column {\r\n    display: flex;\r\n    flex-direction: column;\r\n    gap: 16px;\r\n}\r\n\r\n\r\n\/* =========================================================\r\n   FAQ CARDS\r\n========================================================= *\/\r\n\r\n#bdl-mourabaha-offer-en .bdl-faq details {\r\n    width: 100%;\r\n    margin: 0;\r\n    background: #ffffff;\r\n    border: 1px solid #e4e4e4;\r\n    transition: box-shadow .25s ease, border-color .25s ease;\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-faq details[open] {\r\n    border-left: 5px solid var(--bdl-orange);\r\n    border-top-color: transparent;\r\n    border-right-color: transparent;\r\n    border-bottom-color: transparent;\r\n    box-shadow: 0 5px 20px rgba(0, 0, 0, .13);\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-faq summary {\r\n    position: relative;\r\n    display: block;\r\n    width: 100%;\r\n    padding: 22px 55px 22px 21px;\r\n    cursor: pointer;\r\n    list-style: none;\r\n    color: #111111;\r\n    font-size: 16px;\r\n    line-height: 1.55;\r\n    font-weight: 700;\r\n    background: #ffffff;\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-faq summary::-webkit-details-marker {\r\n    display: none;\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-faq summary::after {\r\n    content: \"\u2304\";\r\n    position: absolute;\r\n    right: 22px;\r\n    top: 50%;\r\n    transform: translateY(-55%);\r\n    color: #9aa3ad;\r\n    font-size: 20px;\r\n    font-weight: 700;\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-faq details[open] summary::after {\r\n    content: \"\u00d7\";\r\n    display: flex;\r\n    align-items: center;\r\n    justify-content: center;\r\n    width: 18px;\r\n    height: 18px;\r\n    right: 22px;\r\n    top: 28px;\r\n    transform: none;\r\n    border-radius: 50%;\r\n    background: #a6adb5;\r\n    color: #ffffff;\r\n    font-size: 14px;\r\n}\r\n\r\n#bdl-mourabaha-offer-en .bdl-faq-content {\r\n    padding: 0 21px 24px 21px;\r\n    color: #555555;\r\n    font-size: 16px;\r\n    line-height: 1.75;\r\n}\r\n\r\n\r\n\/* =========================================================\r\n   RESPONSIVE\r\n========================================================= *\/\r\n\r\n@media (max-width: 900px) {\r\n\r\n    #bdl-mourabaha-offer-en .bdl-faq-columns {\r\n        grid-template-columns: 1fr;\r\n        gap: 16px;\r\n    }\r\n\r\n    #bdl-mourabaha-offer-en .bdl-key-grid {\r\n        grid-template-columns: 1fr;\r\n    }\r\n}\r\n\r\n@media (max-width: 600px) {\r\n\r\n    #bdl-mourabaha-offer-en {\r\n        font-size: 15px;\r\n    }\r\n\r\n    #bdl-mourabaha-offer-en .bdl-title-wrap {\r\n        gap: 14px;\r\n        align-items: flex-start;\r\n    }\r\n\r\n    #bdl-mourabaha-offer-en .bdl-title-line {\r\n        width: 34px;\r\n        height: 3px;\r\n        margin-top: 15px;\r\n    }\r\n\r\n    #bdl-mourabaha-offer-en .bdl-title {\r\n        font-size: 26px;\r\n    }\r\n\r\n    #bdl-mourabaha-offer-en .bdl-key-grid {\r\n        grid-template-columns: 1fr;\r\n    }\r\n\r\n    #bdl-mourabaha-offer-en .bdl-actions {\r\n        flex-direction: column;\r\n    }\r\n\r\n    #bdl-mourabaha-offer-en .bdl-btn {\r\n        width: 100%;\r\n    }\r\n}\r\n\r\n<\/style>\r\n\r\n\r\n<div id=\"bdl-mourabaha-offer-en\">\r\n\r\n\r\n    <div class=\"bdl-title-wrap\">\r\n\r\n        <span class=\"bdl-title-line\"><\/span>\r\n\r\n        <h1 class=\"bdl-title\">\r\n            Consumer Mourabaha \u2013 2026 Social Season Offer\r\n        <\/h1>\r\n\r\n    <\/div>\r\n\r\n\r\n    <section class=\"bdl-section\">\r\n\r\n        <h2 class=\"bdl-section-title\">\r\n            What is it?\r\n        <\/h2>\r\n\r\n        <p>\r\n            Consumer Mourabaha consists of the purchase by\r\n            <strong>Banque de D\u00e9veloppement Local - BDL<\/strong>\r\n            of new goods and equipment, which are then resold to the customer\r\n            at a price comprising the acquisition cost plus a known\r\n            and pre-agreed profit margin.\r\n        <\/p>\r\n\r\n\r\n        <div class=\"bdl-promo\">\r\n\r\n            <span class=\"bdl-promo-label\">\r\n                2026 Social Season Offer\r\n            <\/span>\r\n\r\n            <h3 class=\"bdl-promo-title\">\r\n                50% reduction on the profit margin\r\n            <\/h3>\r\n\r\n            <p>\r\n                As part of the 2026 Social Season Offer,\r\n                <strong>Banque de D\u00e9veloppement Local - BDL<\/strong>\r\n                is granting an exceptional\r\n                <strong>50% reduction on the profit margin<\/strong>\r\n                applicable to Consumer Mourabaha for all subscriptions\r\n                made from\r\n                <strong>September 1 to October 31, 2026<\/strong>.\r\n            <\/p>\r\n\r\n            <div class=\"bdl-rate\">\r\n\r\n                <span class=\"bdl-old-rate\">\r\n                    8.50%\r\n                <\/span>\r\n\r\n                <span class=\"bdl-arrow\">\r\n                    \u2192\r\n                <\/span>\r\n\r\n                <span class=\"bdl-new-rate\">\r\n                    4.25%\r\n                <\/span>\r\n\r\n            <\/div>\r\n\r\n        <\/div>\r\n\r\n    <\/section>\r\n\r\n\r\n    <section class=\"bdl-section\">\r\n\r\n        <h2 class=\"bdl-section-title\">\r\n            Target customers\r\n        <\/h2>\r\n\r\n        <ul>\r\n\r\n            <li>\r\n                Be an Algerian national;\r\n            <\/li>\r\n\r\n            <li>\r\n                Reside permanently in Algeria;\r\n            <\/li>\r\n\r\n            <li>\r\n                Be no more than\r\n                <strong>70 years old<\/strong>\r\n                at the date of the financing application;\r\n            <\/li>\r\n\r\n            <li>\r\n                Meet the eligibility requirements applicable\r\n                to Consumer Mourabaha financing;\r\n            <\/li>\r\n\r\n            <li>\r\n                Subscribe during the validity period of the offer.\r\n            <\/li>\r\n\r\n        <\/ul>\r\n\r\n    <\/section>\r\n\r\n\r\n    <section class=\"bdl-section\">\r\n\r\n        <h2 class=\"bdl-section-title\">\r\n            Eligible goods\r\n        <\/h2>\r\n\r\n        <p>\r\n            The offer applies to all new goods and equipment\r\n            <strong>produced or assembled in Algeria<\/strong>\r\n            and eligible for Consumer Mourabaha financing,\r\n            in accordance with the applicable terms and conditions.\r\n        <\/p>\r\n\r\n    <\/section>\r\n\r\n\r\n    <section class=\"bdl-section\">\r\n\r\n        <h2 class=\"bdl-section-title\">\r\n            Profit margin\r\n        <\/h2>\r\n\r\n        <p>\r\n            The promotional profit margin is set at\r\n            <strong>4.25% instead of 8.50%<\/strong>,\r\n            representing an exceptional\r\n            <strong>50% reduction<\/strong>.\r\n        <\/p>\r\n\r\n        <p>\r\n            This promotional margin applies exclusively\r\n            to subscriptions made from\r\n            <strong>September 1 to October 31, 2026<\/strong>.\r\n        <\/p>\r\n\r\n    <\/section>\r\n\r\n\r\n    <section class=\"bdl-section\">\r\n\r\n        <h2 class=\"bdl-section-title\">\r\n            Financing period\r\n        <\/h2>\r\n\r\n        <p>\r\n            The financing period ranges from\r\n            <strong>\r\n                three (03) months to thirty-six (36) months\r\n            <\/strong>.\r\n        <\/p>\r\n\r\n    <\/section>\r\n\r\n\r\n    <section class=\"bdl-section\">\r\n\r\n        <h2 class=\"bdl-section-title\">\r\n            Financing amount\r\n        <\/h2>\r\n\r\n        <p>\r\n            The Consumer Mourabaha financing amount ranges from\r\n            <strong>DZD 100,000<\/strong>\r\n            to\r\n            <strong>DZD 1,000,000<\/strong>.\r\n        <\/p>\r\n\r\n        <p>\r\n            Financing may cover up to\r\n            <strong>\r\n                100% of the total value of the financed asset,\r\n                including taxes\r\n            <\/strong>,\r\n            subject to the applicable eligibility requirements.\r\n        <\/p>\r\n\r\n\r\n        <div class=\"bdl-key-grid\">\r\n\r\n            <div class=\"bdl-key-card\">\r\n\r\n                <span class=\"bdl-key-value\">\r\n                    DZD 100,000\r\n                <\/span>\r\n\r\n                <span class=\"bdl-key-label\">\r\n                    Minimum amount\r\n                <\/span>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div class=\"bdl-key-card\">\r\n\r\n                <span class=\"bdl-key-value\">\r\n                    DZD 1,000,000\r\n                <\/span>\r\n\r\n                <span class=\"bdl-key-label\">\r\n                    Maximum amount\r\n                <\/span>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div class=\"bdl-key-card\">\r\n\r\n                <span class=\"bdl-key-value\">\r\n                    Up to 100%\r\n                <\/span>\r\n\r\n                <span class=\"bdl-key-label\">\r\n                    of the asset value including taxes\r\n                <\/span>\r\n\r\n            <\/div>\r\n\r\n        <\/div>\r\n\r\n    <\/section>\r\n\r\n\r\n    <section class=\"bdl-section\">\r\n\r\n        <h2 class=\"bdl-section-title\">\r\n            Offer period\r\n        <\/h2>\r\n\r\n        <div class=\"bdl-period\">\r\n\r\n            The offer is valid from\r\n            <strong>September 1 to October 31, 2026<\/strong>.\r\n\r\n            The reduction on the profit margin applies exclusively\r\n            to subscriptions made during this period.\r\n\r\n        <\/div>\r\n\r\n    <\/section>\r\n\r\n\r\n    <section class=\"bdl-section\">\r\n\r\n        <h2 class=\"bdl-section-title\">\r\n            Availability\r\n        <\/h2>\r\n\r\n        <p>\r\n            The offer is available at all commercial branches of\r\n            <strong>Banque de D\u00e9veloppement Local - BDL<\/strong>.\r\n        <\/p>\r\n\r\n    <\/section>\r\n\r\n\r\n    <div class=\"bdl-actions\">\r\n\r\n        <a class=\"bdl-btn bdl-btn-primary\" href=\"https:\/\/banqueenligne.bdl.dz\/segments\/part\/services\/oca\/products\/mourab-consom\/simulation\" target=\"_blank\" rel=\"noopener\">\r\n            Simulate your financing\r\n        <\/a>\r\n\r\n\r\n        <a class=\"bdl-btn bdl-btn-secondary\" href=\"https:\/\/banqueenligne.bdl.dz\/\" target=\"_blank\" rel=\"noopener\">\r\n            Apply for financing online\r\n        <\/a>\r\n\r\n    <\/div>\r\n\r\n\r\n    <section class=\"bdl-faq\">\r\n\r\n\r\n        <div class=\"bdl-faq-heading\">\r\n\r\n            <span class=\"bdl-faq-line\"><\/span>\r\n\r\n            <h2 class=\"bdl-faq-title\">\r\n                FAQ\r\n            <\/h2>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bdl-faq-columns\">\r\n\r\n\r\n            <div class=\"bdl-faq-column\">\r\n\r\n\r\n                <details open>\r\n\r\n                    <summary>\r\n                        What is BDL Consumer Mourabaha?\r\n                    <\/summary>\r\n\r\n                    <div class=\"bdl-faq-content\">\r\n\r\n                        <p>\r\n                            Consumer Mourabaha is a financing transaction\r\n                            that complies with the principles of Islamic finance.\r\n                        <\/p>\r\n\r\n                        <p>\r\n                            <strong>Banque de D\u00e9veloppement Local - BDL<\/strong>\r\n                            purchases the asset selected by the customer\r\n                            and then resells it at a price comprising\r\n                            the acquisition cost plus a known\r\n                            and pre-agreed profit margin.\r\n                        <\/p>\r\n\r\n                    <\/div>\r\n\r\n                <\/details>\r\n\r\n\r\n                <details>\r\n\r\n                    <summary>\r\n                        Which products are eligible for BDL Consumer Mourabaha financing?\r\n                    <\/summary>\r\n\r\n                    <div class=\"bdl-faq-content\">\r\n\r\n                        <p>\r\n                            Consumer Mourabaha is intended to finance\r\n                            <strong>\r\n                                new goods and equipment produced\r\n                                or assembled in Algeria\r\n                            <\/strong>,\r\n                            in accordance with the applicable terms and conditions.\r\n                        <\/p>\r\n\r\n                    <\/div>\r\n\r\n                <\/details>\r\n\r\n\r\n                <details>\r\n\r\n                    <summary>\r\n                        What are the eligibility requirements for BDL Consumer Mourabaha?\r\n                    <\/summary>\r\n\r\n                    <div class=\"bdl-faq-content\">\r\n\r\n                        <p>The applicant must:<\/p>\r\n\r\n                        <ul>\r\n\r\n                            <li>\r\n                                Be an Algerian national;\r\n                            <\/li>\r\n\r\n                            <li>\r\n                                Reside permanently in Algeria;\r\n                            <\/li>\r\n\r\n                            <li>\r\n                                Be no more than\r\n                                <strong>70 years old<\/strong>\r\n                                at the date of application;\r\n                            <\/li>\r\n\r\n                            <li>\r\n                                Meet the applicable financing eligibility requirements.\r\n                            <\/li>\r\n\r\n                        <\/ul>\r\n\r\n                    <\/div>\r\n\r\n                <\/details>\r\n\r\n\r\n                <details>\r\n\r\n                    <summary>\r\n                        What is the financing amount for BDL Consumer Mourabaha?\r\n                    <\/summary>\r\n\r\n                    <div class=\"bdl-faq-content\">\r\n\r\n                        <p>\r\n                            The financing amount ranges from\r\n                            <strong>\r\n                                DZD 100,000 to DZD 1,000,000\r\n                            <\/strong>.\r\n                        <\/p>\r\n\r\n                        <p>\r\n                            Financing may cover up to\r\n                            <strong>\r\n                                100% of the total value of the asset,\r\n                                including taxes\r\n                            <\/strong>,\r\n                            subject to the applicable terms and conditions.\r\n                        <\/p>\r\n\r\n                    <\/div>\r\n\r\n                <\/details>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div class=\"bdl-faq-column\">\r\n\r\n\r\n                <details>\r\n\r\n                    <summary>\r\n                        What does the 2026 Social Season Offer include?\r\n                    <\/summary>\r\n\r\n                    <div class=\"bdl-faq-content\">\r\n\r\n                        <p>\r\n                            The offer provides an exceptional\r\n                            <strong>\r\n                                50% reduction on the Consumer Mourabaha profit margin\r\n                            <\/strong>.\r\n                        <\/p>\r\n\r\n                        <p>\r\n                            The profit margin is reduced from\r\n                            <strong>8.50% to 4.25%<\/strong>.\r\n                        <\/p>\r\n\r\n                    <\/div>\r\n\r\n                <\/details>\r\n\r\n\r\n                <details>\r\n\r\n                    <summary>\r\n                        What pricing conditions apply during the offer?\r\n                    <\/summary>\r\n\r\n                    <div class=\"bdl-faq-content\">\r\n\r\n                        <p>\r\n                            The profit margin applicable under the\r\n                            2026 Social Season Offer is set at\r\n                            <strong>\r\n                                4.25% instead of 8.50%\r\n                            <\/strong>.\r\n                        <\/p>\r\n\r\n                        <p>\r\n                            This represents a\r\n                            <strong>\r\n                                50% reduction on the standard profit margin\r\n                            <\/strong>.\r\n                        <\/p>\r\n\r\n                    <\/div>\r\n\r\n                <\/details>\r\n\r\n\r\n                <details>\r\n\r\n                    <summary>\r\n                        What is the repayment period for BDL Consumer Mourabaha?\r\n                    <\/summary>\r\n\r\n                    <div class=\"bdl-faq-content\">\r\n\r\n                        <p>\r\n                            The financing period ranges from\r\n                            <strong>three (03) months<\/strong>\r\n                            to\r\n                            <strong>thirty-six (36) months<\/strong>.\r\n                        <\/p>\r\n\r\n                    <\/div>\r\n\r\n                <\/details>\r\n\r\n\r\n                <details>\r\n\r\n                    <summary>\r\n                        What is the validity period of the offer?\r\n                    <\/summary>\r\n\r\n                    <div class=\"bdl-faq-content\">\r\n\r\n                        <p>\r\n                            The offer is valid from\r\n                            <strong>\r\n                                September 1 to October 31, 2026\r\n                            <\/strong>.\r\n                        <\/p>\r\n\r\n                        <p>\r\n                            The promotional profit margin of\r\n                            <strong>4.25%<\/strong>\r\n                            applies exclusively to subscriptions\r\n                            made during this period.\r\n                        <\/p>\r\n\r\n                    <\/div>\r\n\r\n                <\/details>\r\n\r\n\r\n                <details>\r\n\r\n                    <summary>\r\n                        Where can customers subscribe to the offer?\r\n                    <\/summary>\r\n\r\n                    <div class=\"bdl-faq-content\">\r\n\r\n                        <p>\r\n                            The offer is available at all commercial branches of\r\n                            <strong>\r\n                                Banque de D\u00e9veloppement Local - BDL\r\n                            <\/strong>.\r\n                        <\/p>\r\n\r\n                    <\/div>\r\n\r\n                <\/details>\r\n\r\n            <\/div>\r\n\r\n        <\/div>\r\n\r\n    <\/section>\r\n\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Consumer Mourabaha \u2013 2026 Social Season Offer What is it? Consumer Mourabaha consists of the purchase by Banque de D\u00e9veloppement Local &#8211; 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. 2026 Social Season Offer 50% reduction on the profit margin As part of the 2026 Social Season Offer, Banque de D\u00e9veloppement Local &#8211; 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. 8.50% \u2192 4.25% 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. DZD 100,000 Minimum amount DZD 1,000,000 Maximum amount Up to 100% of the asset value including taxes Offer period The offer is valid from September 1 to October 31, 2026. The reduction on the profit margin applies exclusively to subscriptions made during this period. Availability The offer is available at all commercial branches of Banque de D\u00e9veloppement Local &#8211; BDL. Simulate your financing Apply for financing online FAQ What is BDL Consumer Mourabaha? Consumer Mourabaha is a financing transaction that complies with the principles of Islamic finance. Banque de D\u00e9veloppement Local &#8211; 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 D\u00e9veloppement Local &#8211; BDL .<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-11717","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/pages\/11717","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/comments?post=11717"}],"version-history":[{"count":10,"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/pages\/11717\/revisions"}],"predecessor-version":[{"id":11728,"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/pages\/11717\/revisions\/11728"}],"wp:attachment":[{"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/media?parent=11717"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}