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ناشر: تصميم وبرمجة الصحف الإلكترونية
ناشر: تصميم وبرمجة الصحف الإلكترونية

المركزي السعودي يطرح مشروع قواعد تنظيم شركات الدفع الآجل.. ويعلن حظر تقديمها لمن دون هذه الفئة العمرية

المركزي السعودي يطرح مشروع قواعد تنظيم شركات الدفع الآجل.. ويعلن حظر تقديمها لمن دون هذه الفئة العمرية
صحيفة المرصد : أعلن البنك المركزي السعودي "ساما"، طرح مشروع "قواعد تنظيم شركات الدفع الآجل BNPL، مشيرًا إلى حظر تقديم هذه الخدمة للعملاء ممن لم يتجاوز سنهم 18 عاماً هجرياً، بالإضافة إلى حظر مزاولة هذا النشاط دون ترخيص.
وحدد البنك المركزي 5 آلاف ريال كحد ائتمان يمنح للعميل في كل عملية شراء، موضحًا أن نشاط الدفع الآجل يعني تمويل العميل لشراء السلع أو الخدمات من المتاجر بلا كلفة أجل مستحقة على العميل.
وأشار البنك المركزي، إلى أن قواعد هذا المشروع مطروح حاليا على منصة "استطلاع"، وأن هذه القواعد تهدف إلى وضع الحد الأدنى من المعايير والإجراءات اللازمة لمزاولة نشاط الدفع الآجل، بما يساهم في نمو النشاط واستدامته.
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SettingsRequest history298msRequest Duration47MBMemory Usage10.x
Laravel Version
10.48.28
PHP Version
8.1.32
Environment
production
Debug Mode
Enabled
URL
new.al-marsd.com
Timezone
Asia/Riyadh
Locale
ar
GET article/{id}/{section_title?}/{title?}/{comment_id?}
status
200 OK
full_url
https://new.al-marsd.com/article/176148/%D8%A7%D8%AE%D8%A8%D8%A7%D8%B1-%D9%85%D8%AD%D9%84%D9%8A%D8%A...
action_name
article.show
controller_action
App\Http\Controllers\Web\ArticleController@show
Theme
Open Button Position
Hide Empty Tabs
Autoshow
Reset to defaults
    status
    200 OK
    full_url
    https://new.al-marsd.com/article/176148/%D8%A7%D8%AE%D8%A8%D8%A7%D8%B1-%D9%85%D8%AD%D9%84%D9%8A%D8%A...
    action_name
    article.show
    controller_action
    App\Http\Controllers\Web\ArticleController@show
    uri
    GET article/{id}/{section_title?}/{title?}/{comment_id?}
    domain
    new.al-marsd.com
    controller
    App\Http\Controllers\Web\ArticleController@show
    file
    app/Http/Controllers/Web/ArticleController.php:37-73
    middleware
    web
    telescope
    View in Telescope
    duration
    299ms
    peak_memory
    48.5MB
    response
    text/html; charset=UTF-8
    request_format
    html
    request_query
    []
    
    request_request
    []
    
    request_headers
    0 of 0
    array:24 [ "x-https" => array:1 [ 0 => "1" ] "upgrade-insecure-requests" => array:1 [ 0 => "1" ] "sec-ch-ua-platform" => array:1 [ 0 => ""Windows"" ] "sec-ch-ua-mobile" => array:1 [ 0 => "?0" ] "sec-ch-ua" => array:1 [ 0 => ""HeadlessChrome";v="129", "Not=A?Brand";v="8", "Chromium";v="129"" ] "cache-control" => array:1 [ 0 => "no-cache" ] "pragma" => array:1 [ 0 => "no-cache" ] "user-agent" => array:1 [ 0 => "Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)" ] "connection" => array:1 [ 0 => "Keep-Alive" ] "accept" => array:1 [ 0 => "text/html,application/xhtml+xml,application/xml;q=0.9,image/avif,image/webp,image/apng,*/*;q=0.8,application/signed-exchange;v=b3;q=0.7" ] "cf-ipcountry" => array:1 [ 0 => "US" ] "cf-connecting-ip" => array:1 [ 0 => "18.222.226.10" ] "sec-fetch-site" => array:1 [ 0 => "none" ] "sec-fetch-mode" => array:1 [ 0 => "navigate" ] "cf-visitor" => array:1 [ 0 => "{"scheme":"https"}" ] "sec-fetch-user" => array:1 [ 0 => "?1" ] "sec-fetch-dest" => array:1 [ 0 => "document" ] "x-forwarded-proto" => array:1 [ 0 => "https" ] "cdn-loop" => array:1 [ 0 => "cloudflare; loops=1" ] "accept-encoding" => array:1 [ 0 => "gzip, br" ] "priority" => array:1 [ 0 => "u=0, i" ] "host" => array:1 [ 0 => "new.al-marsd.com" ] "x-forwarded-for" => array:1 [ 0 => "18.222.226.10" ] "cf-ray" => array:1 [ 0 => "9323d0645f4a0013-ORD" ] ]
    request_cookies
    []
    
    response_headers
    0 of 0
    array:3 [ "content-type" => array:1 [ 0 => "text/html; charset=UTF-8" ] "cache-control" => array:1 [ 0 => "no-cache, private" ] "date" => array:1 [ 0 => "Fri, 18 Apr 2025 11:27:38 GMT" ] ]
    session_attributes
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    array:2 [ "_token" => "ZBuWhs7vRz06CQyUZYzBrmLUOE0FJMc7xwjWuMq4" "flasher::envelopes" => [] ]
    • Booting (143ms)time
    • Application (155ms)time
    • Routing (3.59ms)
    • Preparing Response (95.88ms)
    • View: web.singleviews
    • View: web.components.metaviews
    • View: web.components.dateviews
    • View: web.components.social-sharingviews
    • View: components.smart-ad-componentviews
    • View: components.smart-ad-componentviews
    • View: web.layouts.masterviews
    • View: web.layouts.headerviews
    • View: web.layouts.footerviews
    • View: components.smart-ad-componentviews
    • 1 x Application (51.93%)
      155ms
      1 x Booting (48.07%)
      143ms
      1 x Preparing Response (32.15%)
      95.88ms
      1 x Routing (1.21%)
      3.59ms
      10 x View (0%)
      0μs
      10 templates were rendered
      • web.singlesingle.blade.php#?blade
      • web.components.metameta.blade.php#?blade
      • web.components.datedate.blade.php#?blade
      • web.components.social-sharingsocial-sharing.blade.php#?blade
      • components.smart-ad-componentsmart-ad-component.blade.php#?blade
      • components.smart-ad-componentsmart-ad-component.blade.php#?blade
      • web.layouts.mastermaster.blade.php#?blade
      • web.layouts.headerheader.blade.php#?blade
      • web.layouts.footerfooter.blade.php#?blade
      • components.smart-ad-componentsmart-ad-component.blade.php#?blade
      6 statements were executednew_mainnew_comments6.77ms
      • ArticleController.php#40new_mainConnection Established
        Backtrace
        • app/Http/Controllers/Web/ArticleController.php:40
        • vendor/laravel/framework/src/Illuminate/Routing/Controller.php:54
        • vendor/laravel/framework/src/Illuminate/Routing/ControllerDispatcher.php:43
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:260
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:205
      • ArticleController.php#40new_main2.81msselect * from `articles` where `status` = 1 and `articles`.`id` = '176148' and `articles`.`deleted_at` is null limit 1
        Bindings
        • 0: 1
        • 1: 176148
        Backtrace
        • app/Http/Controllers/Web/ArticleController.php:40
        • vendor/laravel/framework/src/Illuminate/Routing/Controller.php:54
        • vendor/laravel/framework/src/Illuminate/Routing/ControllerDispatcher.php:43
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:260
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:205
      • ArticleController.php#40new_main630μsselect `sections`.*, `article_section`.`article_id` as `pivot_article_id`, `article_section`.`section_id` as `pivot_section_id` from `sections` inner join `article_section` on `sections`.`id` = `article_section`.`section_id` where `article_section`.`article_id` in (176148) and `sections`.`deleted_at` is null
        Backtrace
        • app/Http/Controllers/Web/ArticleController.php:40
        • vendor/laravel/framework/src/Illuminate/Routing/Controller.php:54
        • vendor/laravel/framework/src/Illuminate/Routing/ControllerDispatcher.php:43
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:260
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:205
      • ArticleController.php#77new_commentsConnection Established
        Backtrace
        • app/Http/Controllers/Web/ArticleController.php:77
        • app/Http/Controllers/Web/ArticleController.php:70
        • vendor/laravel/framework/src/Illuminate/Routing/Controller.php:54
        • vendor/laravel/framework/src/Illuminate/Routing/ControllerDispatcher.php:43
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:260
      • ArticleController.php#80new_comments1.7msselect count(*) as aggregate from `comments` where `status` in (1, 2) and `article_id` = '176148' and `type` = 1 and `comments`.`deleted_at` is null
        Bindings
        • 0: 1
        • 1: 2
        • 2: 176148
        • 3: 1
        Backtrace
        • app/Http/Controllers/Web/ArticleController.php:80
        • app/Http/Controllers/Web/ArticleController.php:70
        • vendor/laravel/framework/src/Illuminate/Routing/Controller.php:54
        • vendor/laravel/framework/src/Illuminate/Routing/ControllerDispatcher.php:43
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:260
      • ArticleController.php#85new_comments510μsselect count(*) as aggregate from `comments_archive` where `status` in (1, 2) and `article_id` = '176148' and `type` = 1
        Bindings
        • 0: 1
        • 1: 2
        • 2: 176148
        • 3: 1
        Backtrace
        • app/Http/Controllers/Web/ArticleController.php:85
        • app/Http/Controllers/Web/ArticleController.php:70
        • vendor/laravel/framework/src/Illuminate/Routing/Controller.php:54
        • vendor/laravel/framework/src/Illuminate/Routing/ControllerDispatcher.php:43
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:260
      • helpers.php#454new_comments630μsselect count(*) as aggregate from `comments` where `status` in (1, 2) and `article_id` = 176148 and `comment_id` is null and `type` = 1 and `comments`.`deleted_at` is null
        Bindings
        • 0: 1
        • 1: 2
        • 2: 176148
        • 3: 1
        Backtrace
        • app/Helpers/helpers.php:454
        • app/Helpers/helpers.php:463
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/ComponentConcerns/RendersLivewireComponents.php:69
      • helpers.php#460new_comments490μsselect count(*) as aggregate from `comments_archive` where `status` in (1, 2) and `article_id` = 176148 and `type` = 1 and `comment_id` is null
        Bindings
        • 0: 1
        • 1: 2
        • 2: 176148
        • 3: 1
        Backtrace
        • app/Helpers/helpers.php:460
        • app/Helpers/helpers.php:463
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/ComponentConcerns/RendersLivewireComponents.php:69
      App\Models\Article
      1Article.php#?
      App\Models\Section
      1Section.php#?
          ClearShow all
          Date ↕MethodURLData
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