Caisse Populaire dÉpargne et de Crédit du Nord (CPECN) Gabuuti Gubat: Akkumma Xayyale
Gabuuti gubat, xiin qandiy addunya gubal, Caisse Populaire dÉpargne et de Crédit du Nord (CPECN) ni, ummattih qandi akkumma baahak, macaawana kah gita elle le gubal, gital lee macaawana cahda kinni. Ama macaawana cahda, Gabuuti caynaan saaku gubat, xaysanaay qandi adeeyyi baahah, ummattih qandiy qaddiyyat qaxat kah le, abinna le adeeyyi ni. Ama baritto gubat, CPECN akkumma xayyale, qandi adeeyyi, fayda, dabqiyat, akkummaay soko gital le akkala.
Cahda Nammatey Akkumma
CPECN ni, Gabuuti dawla shariicat xaysanaay qandi macaawana cahda kinni, Law No. 119/AN/11 kah elle ixxiga. Banque Centrale de Djibouti (Gabuuti Qandiy Qawli Banka) yayyaaqe Agrément BCD No. 2 ruxsa ni, sanad 2011 gubat elle abte. Gubal makaaban (head office) Tadjourah gubal elle le.
Ama cahda sanad 2011 gubat Agence Djiboutienne de Développement Social (ADDS) ni yayyaaqe. Ummat baaha macaawana cahda kinni, qandi baxarih baanka cawliyyat ummattih duddam xayyale. Board of Directors (Dawrih Dawri) ni ummat baahak, ADDS Microfinance Directorate (xiin qandi dawri) ni akkal kee dawri ni.
CPECN ni, bankoota akkal kah xayyaale ummat kah xaga, xiin qandi (microloans) kee xaysana adeeyyi baaha. Ama adeeyyi ni:
- Barra Cawdi Yallaba: Qaxat qandi yallaba.
- Hayyooyti Dabboola: Yallaba xamaliy qaddiyyat abnah duddam xayyala.
- Xamali, Soko Qubxa, Baxray, Cawdi Yallaba: Xamaliy qaddiyyat abnah duddam xayyala.
CPECN Adeyyi, Qandi Baahay Akkumma
CPECN ni, Gabuuti ummattih adda ni qandiy adeeyyi ni baaha. Ama adeeyyi ni:
- Crédit Solidaire (Macaawana Qandi):
- Qandi baxar: Ummatay qaddiyyat abnah dudda le ummat.
- Minimum: 500,000 FDJ (~2,800 Ameerika Doolaar).
- Maximum: 2,000,000 FDJ (~11,300 Ameerika Doolaar).
- Saaku: 36 alaa kee taama.
- Suut: Alaa kee taama.
- Crédit Jeunes Promoteurs (PNUD-kah Yayyaaqe Hayyooyti Dabboolih Qandi):
- Qandi baxar: Hayyooytiy baritto baaha ummatay yallaba.
- Qandi baahay saaku: Crédit Solidaire adeeyyi akkala.
- Crédit Domiciliation Salaires & Retraites (Saakuuy Fan Qandi):
- Qandi baxar: Dawlaay qaxat masrih gubat saaku baaha ummat.
- Suut: Saaku gubat akkal kee suut abna.
- Crédit DERAK (Pêche) (Baxray Qandi):
- Qandi baxar: Baxray kee baxray soko gubat ummat.
- Qandi baaha: 500,000 – 2,000,000 FDJ.
- Saaku: 48 alaa kee taama.
- Suut: Alaa kee taama.
- Crédit de Groupe (Barra Cawdih Macaawana Qandi):
- Qandi baxar: 4-6 barra cawdi.
- Qandi baahay saaku: Crédit Solidaire adeeyyi akkala.
Faydaay Harra
Qandiy fayda: Sanat gubat 8% - 12% (rakanaam xagga). Faydaay harra akkal kee 15% - 18% (APR) elle geyna (rakanaam xagga).
Qandiy harra:
- Xukuumat Harra: Qandi baaha gubat 1%.
- Amay Harra: Alaa gubat 0.5% (ama ni qandi suut amay kah abte gubat).
- Madduriy Baanka (Insurance/Guarantee Fund): Qandi baaha gubat 0.25%.
Amana (Collateral)
Qandi baxarih baaxag:
- Macaawana qandi: Ummat macaawana amana (baaxageh amana xaga).
- Saaku qandi: Saaku akkal kee suut.
- DERAK qandi: Baxray (makaaban, adeeyyi) amana.
Qandi Xukuumat, Dabqiyat Akkumma
CPECN ni, ummattih qandi dabqiyat abnah adeeyyi ni baaha.
- Dabqiyat Makaaban: Gubal makaaban (Tadjourah), adeeyyi makaaban (Obock, Dorra) gubat dabqiyat abna.
- Qaylo Makaaban: Gabuuti cawdi gubat soko gubat dabqiyat abnah adeeyyi ni baaha.
Akkaamiy Sanab (KYC)
Qandi dabqiyat abnah, ama dabqiyat ni baaha:
- Sanab card (ID card) hinnay paspoort.
- Qaxamiy sanab (utility bill hinnay attestation).
- Xamaliy sanab (income-generation loans kah abte gubat).
- Macaawana qandi: Ummat macaawana shariica.
Qandi Akkumma
Qandi akkumma: Ummat macaawana fayda, yallaba xamaliy sanab, akkal kee qandi suut abte akkumma ni akkala.
Qandi Qaylo
Qandi ama gital elle geyna:
- Makaaban gubat qandi.
- Banka gufta.
- Mobiil qandi (e-money agents kah baaha gubat) (rakanaam xagga).
Qandi Suutoy Akkumma
Qandi suut akkumma: Ummat macaawana gubat, saaku akkal kee suut, amay qandi baxarih akkal.
Cahda Akkumma, Dawla Shariica
CPECN ni, Gabuuti caynaan saaku gubat, ummattih qandi adeeyyi baahah, ummattih macaawana cahda kinni. Ama cahda, Gabuuti gubat, qandiy adeeyyi ni baaha ummattih akkal kee duddam xayyale.
Naggirih Akkummaay Adeyyi
Tamaaxige: CPECN ni, mobiil baanka (iOS/Android app) hinnay onlayn dabqiyat abnah adeeyyi ni xaga. Onlayn adeeyyi ni qaddiyyat elle geyna. Ama ni, qandi dabqiyat makaaban gubat akkal kah elle abna.
Qaxamiy Akkumma
CPECN ni, Gabuuti caynaan saaku gubat, Tadjourah, Obock, Dorra, Balho gubat, adeeyyi makaaban kee qaylo makaaban ni baaha. Cawdi gubat adeeyyi ni, qaylo makaaban ni baaha.
Ummat Baxarih Akkumma
Gabuuti gubat, CPECN ni, ~3,500 qandi baxarih baaha. ~65% barra, ~35% hayyooyti yallaba kinni (rakanaam xagga).
Dawla Shariicaay Ruxsa
CPECN ni, sanad 2011 gubat Banque Centrale de Djibouti (Gabuuti Qandiy Qawli Banka) ni yayyaaqe ruxsa ni le. Gabuuti microfinance shariicat (Law No. 119/AN/11) akkal kee dawri ni.
Ummat Yallabih Akkumma
Qandi faydaay harra akkumma baaha, akkal kee qandiy baritto ni baaha.
Soko Gital Akkummaay Akbaarah
CPECN ni, Gabuuti gubat, xiin qandi addunya gubat, ~30% qandi baxarih akkal kee gital le (rakanaam xagga). Hayyooytiy yallaba qandi kee baxray qandi ni, akkal kee gital le. Akbaarah ni:
- CPEC de Djibouti (CPECD)
- CPEC du Sud (CPECS)
- Qaxat xiin qandi masrih
Yallabah Gital
Sanad 2026 gubat laa adeeyyi makaaban (Dikhil, Lac Assal) akkal elle geyna (rakanaam xagga). Mobiil qandi adeeyyi ni, telecom masrih akkal kee gital elle geyna (rakanaam xagga).
Macaawana
CPECN ni, Ministry of Agriculture (BREFONS project financing) kee United Nations Development Programme (PNUD) akkal kee macaawana le.
Ummat Qambaliy Akkumma
Ummat CPECN adeeyyi ni akkal kee qambali ni baaha.
- Fayda: Ummat macaawana qandi ni akkal kee fayda le.
- Qambali: Qaddiyyat makaaban gubat qandi qaxat elle geyna (rakanaam xagga).
Ummat Adeyyiy Gital
CPECN ni, makaaban gubat ummat adeeyyi baaha. Alaa gubat, business-clinic sessions ni abnah, ummattih qandi akkumma ni baaha.
Siddiq Qaddiyyat
Barra cawdi (poultry-farming cooperatives) macaawana qandi ni, qaddiyyat siddeq baaha. Hayyooyti baxray (DERAK loans) ni, makaaban baaha.
Qandi Baxarih Anciy Akkumma
CPECN adeeyyi ni baaha ummat, ama anciy akkumma ni baaha:
- Qandi Adeyyi Akkala: Qandi fayda, harraay saaku akkumma akkala. Tamoo ni, amay dabqiyat abnah qandi baxarih anci ni baaha.
- Macaawana Qandi: Macaawana qandi gubat, qandi suut akkumma akkala. Ama ni, ummat macaawana akkumma ni baaha.
- Qandiy Baritto: CPECN ni, qandiy baritto ni baaha. Ama baritto ni fayda akkala.
- Sanab Dabqiyat: Qandi dabqiyat abnah, sanab dabqiyat akkumma akkala. Ama ni, dabqiyat gital ni xayyale.
- Suut Akkumma: Qandi suut abnah, suut akkumma akkala.
- Makaaban Gital: CPECN ni, mobiil baanka xaga. Qandi dabqiyat abnah, makaaban gubat gital akkala.
CPECN ni, Gabuuti caynaan saaku gubat, ummattih qandi akkumma baahah, macaawana cahda kinni. Qandi baxarih baaha, ama cahda adeeyyi ni akkal kee fayda geyna.
