Calculate your micro-activity's financing split via ANGEM: personal contribution + ANGEM interest-free loan + bank loan.
This tool computes the financing split for your micro-activity under ANGEM (triangular equipment formula): 1% personal contribution + 29% ANGEM interest-free loan + 70% bank loan at 100%-subsidised interest. Ceiling 1 million DZD.
Your micro-activity's total cost (DZD, up to 1 million)
Your personal contribution
—
Your personal contribution: 5,000 DA
hsabet.comSaved you a manual calculation? Share it with someone who needs it.
Employment news, recruitment competitions, and labor market updates on SFN Emploi.
Enter your micro-activity's cost (up to 1 million DZD)
We split it: 1% personal contribution + 29% ANGEM loan + 70% bank loan
We estimate the (interest-free) bank loan's monthly payment after the deferral
Source: National Microcredit Management Agency (ANGEM) – angem.dz.
Data last reviewed: 2026-07-22
Hsabet is not affiliated with any of these official organizations – cited for reference only.
Calculate your project's financing split via NESDA: personal contribution, NESDA interest-free loan, bank loan.
NESDACalculate your project's financing split via CNAC (unemployed aged 30–55): personal contribution + CNAC interest-free loan + bank loan.
CNACCalculate the IFU lump-sum tax (unified 0.5%) on your annual turnover.
DGICalculate what you pay (IFU + CASNOS) and what remains as an auto-entrepreneur.
DGI
™
ANGEM