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Project financing

ANGEM microcredit calculator

Calculate your micro-activity's financing split via ANGEM: personal contribution + ANGEM interest-free loan + bank loan.

Per official rate schedules · 2026

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DA

Your micro-activity's total cost (DZD, up to 1 million)

Your personal contribution

5,000DA

Your personal contribution: 5,000 DA
Your personal contribution1%
ANGEM interest-free loan29%
Bank loan (0% interest)70%
Your personal contribution5,000DA
ANGEM interest-free loan145,000DA
Bank loan (0% interest)350,000DA
Deferral (months)36
Estimated monthly payment5,833DA
ANGEM ceiling (1M DZD)1,000,000 DA
Share of ceiling used100.0%
ANGEM interest-free loan145,000DA
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How it works

  1. Enter your micro-activity's cost (up to 1 million DZD)

  2. We split it: 1% personal contribution + 29% ANGEM loan + 70% bank loan

  3. We estimate the (interest-free) bank loan's monthly payment after the deferral

Source: National Microcredit Management Agency (ANGEM) — angem.dz.

Hsabet is not affiliated with any of these official organizations – cited for reference only.

Frequently asked questions

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