Agricultural support and financing

Subsidised loans, tax exemptions and public support: the main levers to finance your farm.

Farming in Algeria benefits from low- or zero-interest loans, tax advantages and support programmes. Access almost always requires everything to be in order: farmer status, a title to the land and a solid project file.

The R'fig loan: a zero-interest season

Launched in 2008 with BADR bank, the R'fig loan finances the season's inputs over one year (seeds, seedlings, fertiliser, crop protection products…). The interest is fully covered by the Ministry of Agriculture. It is open to farmers and livestock breeders, on their own or grouped in cooperatives or associations, as well as farm service providers and storage operators.

The Ettahadi loan: investing in the farm

Ettahadi finances the creation, equipment and modernisation of farms and livestock operations, at an interest rate subsidised by the State. It targets in particular holders of agricultural land concessions; ceilings and conditions are set by the bank when you apply.

Tax advantages

Several farm incomes are exempt from income tax (IRG):

Permanently: cereals, dried pulses, dates and raw milk sold for direct consumption
For 10 years: newly reclaimed land (from when it enters production) and mountain areas (from the start of the activity)

Preparing a financing file

Banks and support bodies generally ask for:

The farmer card, or the articles of your company or cooperative
Proof of access to the land (deed, lease or concession deed)
A technical and economic study of the project and quotes for equipment or works
Depending on the project, farm insurance (for example with CNMA)

Frequently asked questions

Is the R'fig loan really interest-free?▼

Yes: the interest is covered by the Ministry of Agriculture. The borrowed capital is repaid at the end of the season.

Do I need the farmer card to get financing?▼

For an individual farmer, it is in practice the first document asked for. A company or cooperative presents its articles and registration.

Where can I find out which support schemes are open this year?▼

Support programmes change from one season to the next: the agricultural services directorate (DSA) of your wilaya and your bank will tell you which are open. We can help you prepare the file.

A farming project? Let's talk

Tell us about your project: we check which procedures apply to your case and help you prepare your file.

Other Agriculture pages

General information, up to date as of October 2026. Laws and schemes change: we check your situation before any step.

dzairlegal.com provides templates and administrative support, not personalized legal advice.