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Initiative for the Promotion of Rural Housing of a Sustainable Economic Nature
Initiative for the Promotion of Rural Housing of a Sustainable Economic Nature
The aim of the ICSD project is to support sustainable development through the presentation of a new alternative to housing, while contributing to the concretization of programs and strategies to fight poverty, for a better redistribution of national wealth, resilience to climate change, food security, sustainable tourism and circular economy.
Up to now, housing projects in Algeria have had only the satisfaction of citizen's needs or those suffering from precarious housing. In rural areas, districts, very similar to urban neighborhood and agglomerations were erected, very often on agricultural land. If the harmful effects of the rural exodus are well known (socio-economic imbalance), the urbanization of the rural environment produces these same negative effects on the national economy. In the end, the economic disparities, more than the housing crisis, support the rural exodus and the demand for urban housing is renewed in the cities to impoverish more and more our countryside and villages from their inhabitants who constitute the most disadvantaged people.
After a few years of exodus, Algerians from rural areas sells there lands for a new life beginning in the city. A rich and privileged class accumulate hundreds or thousands of hectares, benefit from aids and acquire, through governmental help, agricultural machines which dispense them from the local labor force and crush the small farmers through a much more profitable economy of scale. They establish a monoculture, making the use of large-scale pesticides and the use of chemical fertilizers inevitable.
Our approach is to restore to rural habitat its economic function of yesteryear. A family farming way of life, accessible to citizens of all ages, and to rural women, whether widowed or divorced, after a long absence due to the masculinization of this activity since the agrarian revolution in th seventees.
More than a housing and employment program, the CIDDs allow the participation of rural populations in the process of their development in an area of use of renewable energies off-grid, where the connection would be expensive. It is a reconciliation between man and nature, a source of healthy food, a weapon against poverty and food insecurity as well as a vast economic laboratory that offers each region a combination of appropriate solutions (revaluation of land, fight against desertification, promotion of certain threatened plant species, encouragement of aquaculture, beekeeping ...). Organic and bio-intensive farming can generate two to six times more productivity per unit of land than conventional farming, while consuming 67-88% less water per kilogram of food produced.
An innovative economic organization allows, within the framework of a Cooperative, to optimize the profitability of the community, by a mechanism of grouping the harvests of various biological products to supply a local unit of agro-alimentary organic production. Scientific supervision can improve know-how, analyze results, replicate best practices elsewhere and facilitate foreign recognition of "organic" and "sustainable agriculture" products.
ICSDs can be used as framework of a "Local Agenda 21"
Grouping of semi-collective habitats (4 housing) without vis-à-vis, off-grid (Offgrid) and autonomous
Ecological rural dwellings using renewable energies (rainwater collector, solar energy, biogas) and producing terrestrial crops with organic arboriculture as well as integrated aquaculture and organic beekeeping.
Micro-organic farming relies on the non-use of chemicals, pesticides and their replacement by an ecological and manual treatment.
Composting, vermi composting are natural methods used for the production of fertilizers from, among other things, household waste
As an option, integrated aquaculture system, which allows the use of pool water to renew for irrigation and enrichment of organic farming.
Unused waste is recycled in small biogas plants (Biogas) to feed a shared production unit and for household needs.
The structures are simple and flexible. They can use any type of local materials depending on the region, for a bioclimatic architecture (wood, metal structures, clay cladding ...). In hot regions, some local materials, with high thermal inertia, have the characteristic of absorbing heat during the day to restore it only during the night, such as adobe, rammed earth, stone or various combinations of these materials.
Modular, semi-collective structures can service public buildings, such as: Administration, Youth Hostel, Accommodation for Ecological Tourism / Sustainable / Scientific, Health Center, School, Cultural Center, Training, Community Meetings, Production Unit ...
Designed by the Italian architectural firm ATLAS ARCHITETTURA (www.atlasarchitettura.it) following IBFTS's guidelines (Algerian Startup- www.ibfts.com) the house combines modernity and authenticity. The Italian cabinet has favored the penetration of daylight in order to save energy and open the interior space for a better comfort while inviting nature to be part of the interior decor.
The structure can be modular kits, preconstructed blocks or even recycled containers.
ICSD Plan
Energy efficiency and energy saving consists,
mainly, by carrying out the following actions:
Improvement of thermal insulation of buildings;
The use of solar water heater and solar air conditioning;
Better performance in lighting;
Biogas integration into household consumption.
Financing The Project
Financing The Project
Procedure for creating a new farm
I. THE LANDS CONCERNED
- Unused or underutilized lands under private ownership.
- Unused lands in the private domain of the State, previously identified by the wilaya commission set up for this purpose.
II. CONDITIONS OF ACCESS TO THE DEVICE
A. Unused or underutilized lands of private status
A.1- Document justifying the property
Title of ownership, booklet of land, certificate of possession, act of notoriety of acquisitive prescription
A.2- Procedure to follow
- Make a request to the wilaya management of ONTA (National Office of Agricultural Lands).
- Request the project validation certificate from ONTA.
- Contact the BNEDER or a consulting firm for a technical and economic study of the proposed development project.
- Register on the farm file held by ONTA.
- File a BADR application for funding, including the title of occupation of the land and the study carried out by the BNEDER.
B. Unused lands in the private domain of the State
B.1- Application file
All applicants for the concession of agricultural land must send a request to the relevant PCA accompanied by:
- a legalized copy of the national identity card,
- A copy legalized as appropriate, diplomas, the farmer's card or the statutes of the cooperative or economic interest group,
- A land development and development project,
- Any other document in support of the request.
For applicants for investment, the file is completed by,
- A document attesting to the technical and professional references of the candidate,
- An attestation of financial capacities drawn up by the applicant's bank,
- A technical offer in the form of a study, describing the development, investment, production and performance objectives program as well as a timetable for the completion of the program.
B.2 - Evaluation criteria
B.2.1- For holdings of less than 10 hectares:
the classification of the applicants will take into account the nature of the lands and their potentialities as well as the content of the project presented and its viability; the lands will be granted to the candidates, coming from the localities of situation of the perimeters. The commissions will give priority to:
- Holders of diplomas and / or justifying training in relation to agriculture, livestock and rural development.
- Children of farmers and pastoralists who have practiced in the field.
B.2.2- For holdings of more than 10 hectares:
the classification of the applicants will be done on the basis of the analysis of the documents presented in the file, namely:
- The document certifying the technical and professional references of the candidate,
- The attestation of financial capacities established by the applicant's bank.
- The technical offer in the form of a study, describing the development, investment, production and performance objectives program established as well as a timetable for implementing the program.
III. ADVANTAGES OF THE DEVICE
The scheme gives beneficiaries access to the ETTAHADI credit, which is an enhanced investment loan granted by the BADR, for a period equivalent to the maturity of the project, to be agreed with the beneficiary.
The ETTAHADI credit is defined as follows:
- One (01) million dinars per hectare for farms under 10 hectares.
- One hundred million (100,000,000) dinars for farms exceeding 10 hectares.
- Beyond this amount, project promoters are free to negotiate credits with the BADR, in accordance with the legislation and internal procedures in force at the BADR.
The interest rates for the ETTAHADI credit are as follows:
- the interest rate is increased to 100% (rate 0) during the first three years;
- The interest rate, borne by the beneficiary, is one percent (1%) from the fourth year to the fifth year;
- the interest rate borne by the beneficiary is three per cent (3%) from the sixth year to the seventh year;
- From the eighth year, the beneficiary bears the full interest rate.
Rural Housing
Rural Housing
Rural housing is part of the rural development policy and aims to promote rural areas and local people. It consists of encouraging households to build decent housing in their own rural environment.
The beneficiary's participation, in this case, results in the mobilization of a property tax base which usually comes under his ownership and his participation in the realization as well as the completion of the work within the dwelling.
The granting of frontal aid is subject to eligibility conditions.
Who can be eligible for rural housing assistance?
Any natural person who is a member of the various programs of the National Development Plan (PNDA) or who resides or works in a rural environment can benefit from State aid for rural housing worth 700 000 DA.
Conditions of eligibility
Justify a (household) income of between one (1) and six (6) times the national guaranteed minimum wage (SNMG).
Not having already benefited from the sale of a housing estate public property or State Aid for housing.
Not to own a residential building;
Not having already benefited from the allocation of a public housing rental housing, except prior commitment of restitution of this housing.
Do not own a lot of building land unless it is intended to receive the rural housing object of the frontal help.
How to obtain Rural Housing Assistance?
To obtain state aid, the applicant must establish a file comprising:
The request for support from the National Housing Fund (FONAL).
The document certifying that the applicant is a member of the NADP programs or that he is active in rural areas, issued by the Agricultural Services Directorate (if applicable).
The declaration of honor certifying that the applicant and, where applicable, his / her spouse have never benefited from the transfer of a housing belonging to the public property or from State aid intended for housing or are not owner of a building plot other than the one intended to receive the rural housing object of this help.
The declaration of honor on the level of income of the household, accompanied by supporting documents.
After checking the file and examining the file by the Ad-hoc Committee, the Wali established an eligibility decision.
Subscription to the specifications
The applicant submits to the CNL Agency of his Wilaya a supplementary file including:
A copy of the decision of eligibility for the Assistance signed by Wali or his representative;
A birth certificate (No. 12) and for the married applicant, a family card and a birth certificate (No. 12) of his spouse;
A photocopy of the national identity card;
A copy of the building permit;
Two stamped envelopes addressed to his address.
The applicant signs the subscription to the specifications and has a maximum period of six (6) months to formalize his file and actually start the work.
How is State aid paid to Rural Housing?
The payment of the Assistance by the CNL is made according to the progress of the work, noted by a report drawn up by the Department of Housing and Public Facilities (DLEP).
The release of State Aid is as follows:
20% of the Platform Completion Aid
40% of Structural Finish Aid
40% of the Assistance for the completion of all the works.
The recipient of the front-line aid for the construction of a rural dwelling may also benefit from a bank credit whose interest rate is increased by the public treasury at the rate of 1% at his expense
Regulatory reference text:
Provision of sections 77 of MFA 2010 and 109 and CFL 2009;
The interministerial decree of 09 April 2002;
The interministerial decree of September 13, 2008
Executive Decree No. 10-87 of 24 Rabie El Aouel 1431 corresponding to March 10, 2010 setting the levels and the terms of granting the interest rate subsidy granted by banks and financial institutions for the acquisition of collective housing and the construction of rural housing by the beneficiaries.
Source: Ministry of Housing website mhuv.gov.dz.
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