Men kounnach lkridi l ttatabo3 r9ami: bi3 b lkridi bla ma ydi3 lik l7sab
Kounnach lkridi kay7afed 3la l3ala9a m3a zbaynek, walakin kaydi3 w kaykhle9 nna9ach. Kifach ttabb3o n9i, ddiro r9ami w trje3 lik floussek.
Lkridi dyal l 7ouma, mas2ala dyal tti9a
F bzzaf d l7wem, mol l7anout kaybi3 b lkridi: zzbon kayakhod tte9dia dyal chhar w kaykhelles mnin takhod chchahriya, l3a2ila lli 7dah kadouz men wa9t s3ib, lm3allem lli 9oddamo kaysenna flouss chi chantier. Had lkridi kayrbet zzbon b l7anout. W howa tani jez2 men l3ala9a: ma kayrfedouch ttajer b sahoula l chi wa7ed kay3erfo hadi snin.
Walakin had lkridi howa tani flouss machi f lkaissa dyalek. Ila ma ttab3tihch mzyan, kayt9al 3la ssiyola dyalek, kaykhle9 sou2 lfahm, w merrat kaykhsser lik zbon. Lhadaf machi tn9es men lkridi, lhadaf tdiro w nta dima 3aref chkoun msal chno, w men imta.
Chno kaydir lkounnach mzyan, w fin kay9ser
- Sahel, dima 9rib men yeddek, w kolchi kayfhmo.
- Kay7afed 3la latar dyal lmochtarayat nhar b nhar, b ttarikh.
- Walakin kaydi3, kayfezzeg, kayt9atta3, w ma kaynch menno ghir noskha w7da.
- S3ib tjme3 lmajmou3 dyalo: ch7al msalin lik nnas, f lmajmou3, had l3chiya?
- Zzbon ma kaychoufch chno mktoub 3la smiyto 7tta ydouz l l7anout, w hadchi kaykebber l i3tiradat.
- Ttafkir kaykoun b lhadra, 9eddam zzbayn lakhrin, w 7tta wa7ed ma kay7eb hadchi.
Sijill wade7, f lwr9a wla f ttelifoun
Swa2 b9iti f lwr9a wla dezti l jadwal 3la ttelifoun wla l app dyal lmolahadat, nafs lma3loumat khasshom ykounou l kol zbon:
- Smiyat zzbon w wasila bach ttwasel bih.
- L kol chra: ttarikh, chno khda w l mablagh.
- L kol khlas dyal lkridi: ttarikh, l mablagh w lwasila (cash, QR, rabt l khlas, ta7wil).
- Lba9i, m7soub men jdid f kol satr.
- Lmaw3id lli ttafe9tou 3lih: lekher d chhar, nhar chchahriya, wla tarikh m7edded.
Sf7a l kol zbon a7san men lista b ttartib dyal liyam fin kaytkhelto zzbayn kamlin. W majmou3 3am, katjeddedo kol simana, kay9ollek ch7al d lflouss na3sa 3nd zbaynek: hada ra9m khass kol tajer y3erfo.
9awa3id sahla, m3lna men 9bel
Lkridi kaywelli mo7rij mnin 9awa3ido katbeddel men zbon l zbon wla men nhar l nhar. 7eddedhom merra w7da, w 9oulhom:
- Chkoun 3ando l7a9 f lkridi: zzbayn lli kat3erfhom, men b3d modda lewla dyal tti9a.
- Sa9f l kol zbon, kat7eddo 3la 7sab ssiyola dyalek w ma katfoutouch bla ma tehder fih.
- Maw3id wade7, ghalban nhar chchahriya wla lekher d chhar.
- Kachf kaytsayft 9bel lmaw3id, bach zzbon y3ref chno msal 9bel ma ydouz.
Had l9awa3id kat7mi 7tta l3ala9a: mnin l9a3ida hiya lli kathder, ma b9itich nta lli katrfed.
Trje3 lik flouss lkridi bla 7echma
Ttafkir howa ss3ib kter. Rrissala lmktouba katkhaffef menno: zzbon kaywslo lkachf dyalo b rta7a, f daro, w y9der ykhelles bla ma yt7arrek. Zid dima wasila bach ykhelles f l7in:
- Rabt l khlas b l mablagh lli msal, katsawbo men l app chari.ma: zzbon kaykhelles b lkart wla men 7sabo f chari.ma (9abbed l flouss men l app).
- RIB dyalek, l zzbayn lli kayfaddlo tta7wil men lbanka dyalhom.
- Ramz QR dyalek, ila daz l l7anout: lkhlas kaytsejjel f l historique dyalek, bla sserf traddo.
Zzbayn lli ma kaykhellso lkridi ghir b lcash w ma 3ndhomch l app, kayn 7all kaybe33ed 3lik t7afed 3la lflouss f l7anout: rabt l khlas dyal merra w7da katsawbo f ChariPay. ChariPay mansa d lkhlas maghribiya, PSP katsayyerha Chari Money, mo2assasa d l2ada2 mrakhkhsa men Bank Al‑Maghrib. F sfe7a dyal rabt l khlas dyal merra w7da, zzbon dyalek kaykhtar lcash, kaywslo marja3, kaykhelles bih f wikala men chabaka dyal Chari, w katwslek ich3ar melli tt2akked chchabaka men l2ida3: w rrabt kaywelli mkhelles (« Payé »). Marja3 wa7ed l kol ida3, ya3ni rabt wa7ed l kol khlas dyal lkridi. Lfikra mfessra f had lgid: lkhlas cash b marja3.
Douz l r9ami, khatwa b khatwa
- Dir l7sab dyal lkounnach lli 3ndek daba: lba9i dyal kol zbon, f tarikh m7edded.
- N9el had lba9i f l2adat jdida dyalek, w khebbi lkounnach l9dim ila 7tajtih chi nhar.
- 3lem zbaynek: « Men had chhar, ghadi nsayft lik lkachf dyalek b rrissala. »
- Kteb kol chra jdid b lkridi f nafs nhar, bla ay istitna2.
- Sayft lkachfat 9bel lmaw3id, m3a rabt l khlas b l mablagh lli msal.
- Kol simana, jedded lmajmou3 lli msalin lik zbaynek kamlin.
Ssimanat lewlin katetleb chwiya d nnidam. Men b3d, ttatabo3 r9ami kayrbe7ek lwa9t: ma b9itich t9elleb f sf7at, ma b9a majmou3 t3awed t7sbo b yeddek, w lkhlasat dyal lkridi kaywslo nichan l 7sabek, fin kayt7sbo f ssiyola d ttajer.
Ma3tiyat zbaynek khassha l3inaya
Sijill lkridi fih asami, nemrat d ttelifoun w 3adat dyal chra. Ma3tiyat zbaynek — smiya, e-mail, ttelifoun, l historique dyal chra — hiya ma3tiyat chakhsiya 3la 7sab l9anoun 09-08, w CNDP hiya ssolta dyal lmora9aba 3liha. F l3amal: khelli had ssijill 3ndek, 7mi ttelifounek b code, ma tcharekch llista, w 3omrek ma tbayyen dyoun chi zbon 9eddam lakhrin. W ay so2al 9anouni wla daribi 3la lbi3 b lkridi, ghir lmostachar dyalek lli y9der yjaweb 3lih.
As2ila katji bzzaf
Wach khassni n7bes lkridi bach ndouz l r9ami?
La. Ttatabo3 r9ami ma kaybeddelch l3ala9a m3a zbaynek, kaybeddel ghir ttari9a bach tsayyerha. Katb9a tbi3 b lkridi l lli kat3erfhom, b 9awa3id wad7a, kachf kaytsayft b rrissala w wasila sahla bach ykhellsou men b3id. W ghalban hadchi mrta7 7tta lihom homa.
Chmen adat nsta3mel f blast lkounnach?
Ladat lli ghadi tb9a tkhdem biha kol nhar. Jadwal 3la ttelifoun, app dyal lmolahadat wla 7tta kounnach mneddem kter kaynfe3, ghir ykoun fih sf7a l kol zbon, lba9i mjedded w maw3id. Lmohimm tkteb kol chra f nafs nhar w tjme3 dima chno msal lik.
Kifach nfekker zzbon bla ma n9alle9o?
B lkitaba w 9bel lmaw3id: rissala mo2addaba fiha tafasil chno msal, ttarikh lli ttafe9tou 3lih w rabt l khlas b l mablagh bdde9. Zzbon kay9ra lkachf dyalo f daro, bla 7tta wa7ed 7dah, w y9der ykhelles b 7araka w7da. Bb3ed men ttafkir f lkontwar 9eddam zzbayn lakhrin: tmma fin katbda l7echma.
Zzbon dyali bgha ykhelles lkridi cash walakin ma kaydouzch l l7anout: chno ndir?
Ila kant 3ndo l app chari.ma, y9der y3emmer 7sabo f wikala cash, w men b3d ykhellsek b rabt l khlas. Ila ma kantch 3ndo, rabt l khlas dyal ChariPay dyal merra w7da kaykhellih ykhtar lcash, ywslo marja3 w ykhelles bih f wikala men chabaka dyal Chari.
Kifach n3ref belli lkhlas dyal lkridi wsel bsse7?
F l app chari.ma, lkhlas kayban f l historique dyalek b l mablagh dyalo. W b rabt l khlas dyal ChariPay, melli tt2akked chchabaka men ida3 cash, rrabt kaywelli mkhelles (« Payé ») w katwslek ich3ar f portail. Men b3d jedded sf7at zzbon, f nafs nhar.
Wach 3ndi l7a9 n7afed 3la lista d zbayni w dyoun dyalhom?
Hadi ma3tiyat chakhsiya 3la 7sab l9anoun 09-08, w CNDP hiya ssolta dyal lmora9aba 3liha: khelliha 3ndek, 7miha w ma tbayyenhach. W 3la 7doud iltizamatek bdde9, ghir lmostachar dyalek lli y9der yjaweb.
Lkhatwa jjaya
Had l3chiya, jme3 lmajmou3 dyal lkounnach dyalek: ghadi t3ref ch7al d lflouss na3sa 3nd zbaynek. Men b3d 7emmel chari.ma f ttelifounek bach tsayft awwel rwabet dyal lkhlas dyal lkridi, w ktachef chourout ttojjar. W ila kanou zbaynek kaykommandiw 7tta b rrissala, lgid dyalna 3la lbi3 3la WhatsApp ghadi y3awnek tfadda lkridi lli 7tta wa7ed ma 9arrer 3lih.
Lmasader
- CNDP — 9rinaha nhar 2 Uktubar 2026