business advisory panel min 20120806

7/31/2019 Business Advisory Panel Min 20120806

1/36

C{ah`{{ Giza{nsq _gh`l D``yahb Dahy`{

Igy`6 Dnhigq : Gb{y 3?73

Yad`6 0(??pd jns g 0(;?pd {ygsy( D``yahb knhkli`{ 2(;?pd(

Lnkgyanh6 M`gsy nj ym` KayqL`z`l 3, 3: Lnsh` [ys``y, Gkelghi KCI

_s`{`hy6

Ks Kgd`snh Cs`r`s Kmgas, C{ah`{{ Giza{nsq _gh`l

Ynhq Kgbm`q Kmgas, [daym * Kgbm`q Mnliahb{

[mgl` Kmgdc`s{ Kmgas, Rgay`dgyg Lnkgl Cngsi

Ynhq Bac{nh Kma`j @}`kyaz`, _nsy{ nj Gkelghi Lyi

Snc`sy Emgh Dghgbahb Ias`kyns, Sgian Ygsghg

Bs`b Dgbh`{{ Dghgbahb Ias`kyns, Igygknd [`szak`{ Lyi

Fnmh Sg` Kmgasdgh, H`r V`glghi Knhkal jns Ahjsg{yskys` I`z`lnpd`hy

M`gym`s [mnyy`s Kma`j @}`kyaz`, Knddayy`` jns Gkelghi

S{{`ll [ahklgas Hnsym`sh S`banhgl Dghgb`s, H`r V`glghi S`ygal`s{ G{{nkagyanhGl`} [rh`q Kma`j @}`kyaz`, M`gsy nj ym` Kayq

_s`{`hy`s{6

Ds Fnmh Ibai Dghgb`s Phaygsq _lgh, Gkelghi Knhkal

Ds F`s`dq Rqgyy _sahkapgl _lghh`s -Phaygsq _lgh!, Gkelghi Knhkal

Ds Ghis`r DkE`hva` Kma`j Jahghk` Njjak`s, Gkelghi Knhkal

Njjak`s{ 6Mgsz`q Csnne`{ Dghgb`s @knhndak I`z`lnpd`hy, Gkelghi Knhkal

Snb`s Clge`l`q Kma`j _lghhahb Njjak`s, Gkelghi Knhkal

[gsgm Fnmh{ynh`$[daym _sahkapgl Giza{ns $ S`banhgl @knhndak _nlakq I`z`lnpd`hy

Ygd Rmay` Knddayy`` [`ks`ygsq, Gkelghi Knhkal

Gpnlnba`{

Ghis`r Cniq Ghis`r Cniq Lyi

Ead Kgdpc`ll Kma`j @}`kyaz`, @DG Hnsym`sh

Ghis`r Mgdalynh Kma`j @}`kyaz`, Ym` Ak`mn{`

Gisagh Layyl`rnni B`h`sgl Dghgb`s S`ygal, Gkelghi Gaspnsy Lyi

[adnh DgkE`hva` Kma`j @}`kyaz`, Z`kyns Lyi

Is [ygsy Daiil`ynh Ias`kyns, @}y`shgl S`lgyanh{, Dgheg Ah{yayy` nj Y`kmhnlnbq


2/36


Ay`d Rmn

7 R`lknd` jsnd ns mn{y M`gsy nj ym` Kayq Gl`} [rh`q

3 R`lknd` ghi gpnlnba`{

Gpnlnba`{

Ks Cs`r`s dnzì6 Ds Gl`} [rh`q {`knhiì6

g! Ymgy ym` gpnlnba`{ s`kàzì c` gkk`pyì(

KGSSA@I

Dahy`{

Ks Cs`r`s dnzì5 Ds S{{`ll [ahklgas {`knhiì6

g! Ymgy ym` dahy`{ nj ym` C{ah`{{ Giza{nsq _gh`l d``yahb m`li

nh 77 Fh` 3?73 c` knhjasdì g{ g ys` ghi knss`ky s`knsi(

c! Ymgy ym` ahjnsdgyanh nh ym` [ygy`d`hy nj _snpn{gl6 S`za`r nj[nlai Rg{y` Cqlgr{ s`j`ssì jsnd ym` S`blgynsq ghi Cqlgr{Knddayy`` c` s`kàzì(

KGSSA@I

Klls Kgd`snhCs`r`s

; Ppigy` nh ym` i`z`lnpd`hy nj ym` Phaygsq _lgh jsnd ym` Dghgb`s

Phaygsq _lghDs Fnmh Ibai, Dghgb`s Phaygsq _lgh ghi Ds F`s`dq Rqgyy, _sahkapgl_lghh`s Phaygsq _lgh bgz` g pnr`s pnahy ps`{`hygyanh, g knpq nj rmakmmg{ c``h plgkì nh jal` ghi a{ gyygkmì yn ym`{` dahy`{(

Ym` ps`{`hygyanh nylahì ym` jnllnrahb dgyy`s{6

@hmghkì @hbgb`d`hy _snk`{{ jns ym` Phaygsq _lgh

Mnr yma{ dabmy m`lp dge` ym` Phaygsq _lgh np`sgyaz` ah g {mnsy`s yad`

Ym` Phaygsq _lgh{ pn{{acl` gppsngkm yn c{ah`{{ gkyazaya`{ ghi ymàslnkgyanh{(

Ym` ps`{`hygyanh s`w`{yì j`ìcgke jsnd ym` _gh`l nh ym` jnllnrahb6

7( Rmgy -aj ghq! knhk`sh{ in`{ ym` _gh`l mgz` raym ym` knhkal{ s`w`{y

Fnmh Ibai

F`s`dq Rqgyy


3/36


Ay`d Rmn

Rmgy a{ bnni psgkyak` ahy`shgyanhgllq nh {adalgs dgyy`s{.a{{`{>

K`hysgl bnz`shd`hy a{ e``h jns plghhahb gbalayq

Ym` gad{ nj ym` Phaygsq _lgh ghi ay{ g{pasgyanh{ yn b`y ym` cglghk` sabmygs` {ppnsyì

W`{yanh{ ;, 9 ghi 0

Rmgy knh{yayy`{ g k`hys`>

Rmgy knh{yayy`{ lgsb`$jnsdgy s`ygal> Mnr a{ g ysgi` {ppla s i`jahì>Ym`{` h`ì dns` klgsayq(

Lgsb`$jnsdgy s`ygal i`jahayanh h`ì{ s`knh{ai`sahb ynn {dgll gy 90?{wgs` d`ys`{(

K`hys`{ {mnli c` nh sgal sny`{ ns gifgk`hy yn sgal hni`{ {ppnsyahbahz`{yd`hy gls`giq dgi` ah ahjsg{yskys`

M`gzq ahi{ysagl {ay`{ -ghi ym` knssains{ ymgy l`gi yn ghi jsnd ym`d!

h`ì yn c` psny`kyì baz`h ym`q kgh njy`h sh 39 mns np`sgyanh{(

Ks Cs`r`s dnzì6 Ds Fnmh Sg` {`knhiì6

g! Ymgy C{ah`{{ Giza{nsq _gh`l {ppnsy{ ah$psahkapl` GkelghiKnhkal{ s`w`{y yn Bnz`shd`hy ah s`lgyanh yn gpp`gl{ nh ym`Gkelghi Phaygsq _lgh, hnyahb ymgy ym` Knhkal{ pclak`hbgb`d`hy psnk`{{ jns ym` Gkelghi Phaygsq _lgh rall h`ìyn c` z`sq snc{y(

c! Ymgy ym` C{ah`{{ Giza{nsq _gh`l {ppnsy{ ah$psahkapl` ym`Gkelghi Knhkal{ k`hys`{$cg{ì gppsngkm yn ym` GkelghiPhaygsq _lgh, psnzaiì ay a{ {ysnhblq laheì yn ahy`bsgyì pclakysgh{pnsy hni`{(

k! Ymgy ym` C{ah`{{ Giza{nsq _gh`l {ppnsy{ ah$psahkapl` ym`psnmacayanh nj s`{ai`hyagl, lgsb` jnsdgy s`ygal ghi hnh$ghkallgsqnjjak` gkyazaya`{ ah m`gzq ahi{ysagl gs`g{(

KGSSA@IDs S{{`ll [ahklgas dnzì6 D{ M`gym`s [mnyy`s {`knhiì6

i! Ymgy ym` a{{` nj hnh$ghkallgsq s`{ai`hyagl ghi njjak` gkyazaya`{,g{ r`ll g{ lgsb` jnsdgy s`ygal, -hny ahkliahb ysgi` {ppla`s{!pny`hyagllq càhb hnh$kndplqahb ah labmy ahi{ysagl gs`g{ c`s`pnsyì cgke yn ym` C{ah`{{ Giza{nsq _gh`l d``yahb ah


4/36


Ay`d Rmn

Ks Cs`r`s dnzì6 D{ M`gym`s [mnyy`s {`knhiì6

g! Ymgy Ds Ghis`r DkE`hva`, Kma`j Jahghkagl Njjak`s c` ymgheìjns ma{ ps`{`hygyanh, ghi ymgy ym` ps`{`hygyanh c` giiì yn ym`d``yahb{ dahy`{ ghi dgi` gzgalgcl` nh ym` GkelghiKnhkal r`c{ay`(

KGSSA@I

0 Ppigy` nh ym` @knhndak I`z`lnpd`hy [ysgy`bq

Ds Mgsz`q Csnne`{ bgz` g csa`j pigy` nh ym` @knhndak I`z`lnpd`hy[ysgy`bq, hnyahb ay mgi c``h {abhì njj cq ym` Bnz`shahb Cniq nh 3: Flq3?73(

Ds Csnne`{ hnyì ymgy ym` C{ah`{{ Giza{nsq _gh`l rall c` ahzayì yn ym`lghkm nj ym` @knhndak I`z`lnpd`hy [ysgy`bq, rmakm a{ {kmìlì nhJsaigq 79 [`py`dc`s 3?73 jsnd 7?(;?gd yn 73 hnnh gy ym` Mny`l Hnzny`l,Gkelghi Gaspnsy(

Ds Csnne`{ gl{n ygclì g knpq nj ym` C{ah`{{ ghi @knhndq ah Gkelghi

3?73 cnnel`y jns ym` _gh`l{ ahjnsdgyanh(

Mgsz`qCsnne`{

: Jys` d``yahb{

Dnhigq 7 Nkync`s 3?73 Mn{yì cq _nsy{ nj Gkelghi

Yma{ d``yahb rall c` ghkmnsì gsnhi ym` @hmghk` ahz`{yd`hy ah p`npl`yn bsnr {eall{ ghi g lnkgl rnsejnsk` psansayq nj ym` @knhndak I`z`lnpd`hy[ysgy`bq(

Ay rall ahkli` g ps`{`hygyanh jsnd Knddayy`` jns Gkelghi nh ymàs s`k`hylqkndpl`yì rnse J`llahb ns @knhndq_snpn{ì [eall{ Gb`hig, rmakm

rg{ {pnh{nsì cq Knddayy`` jns Gkelghi, Gkelghi Knhkal ghi ym`Daha{ysq nj C{ah`{{, Ahhnzgyanh ghi @dplnqd`hy(

Dnhigq ; I`k`dc`s 3?73 mn{y s`wasì

Klls Kgd`snhCs`r`s


5/36

Cp{ah`{{ Giza{nsq _gh`l

Phaygsq _lgh

Gb{y 3?73

Ay`d ; Phaygsq _lgh ps`{`hygyanh


6/36

Nylah` ym` jnllnrahb dgyy`s{5

@hmghk`i @hbgb`d`hy _snk`{{ jns ym` Phaygsq_lgh

Mnr yma{ dabmy m`lp dge` ym` Phaygsq _lgh

np`sgyaz` ah g {mnsy`s yad`

Ym` Phaygsq _lgh{ pn{{acl` gppsngkm ync{ah`{{ gkyazaya`{ ghi ym`as lnkgyanh{

Gad nj ym` _s`{`hygyanh



7/36

Nsabahgl i`gilah`

I`k`dc`s 3?73 Isgjy

Dgskm 3?7; Hnyajakgyanh

Adpgky{ nh nppnsyhaya`{ jns `hbgb`d`hy

J``icgke jsnd dghq {`kyns{ rghyahb `hmghk`i

`hbgb`d`hy psnk`{{

Yad`jsgd`{



8/36

_spn{`

_snik` g c`yy`s wglayq plgh rmakm mg{c`h`jayì jsnd knddhayq ahpy

@h{s` gi`wgy` yad` jns p`npl` yn hi`s{yghi

adplakgyanh{ nj Phaygsq _lgh psnza{anh{ psans ync`kndahb `hbgbì ah jnsdgl hnyajakgyanhpsnk`{{`{

@hmghkì @hbgb`d`hy _snk`{{



9/36

Lnkgl Cngsi lì `hbgb`d`hy raym knddhaya`{

Knllgcnsgyaz` `hbgb`d`hy dni`l{ raym{yge`mnli`s{ nh knhy`hyan{ dnz`{

Nppnsyhaya`{ yn kndd`hy nh rnsiahb nj Phaygsq

_lgh psnza{anh{ psans yn hnyajakgyanh

Sngi {mnr{ . Ai`g{ `}pn{ gksn{{ Gkelghi

R`c$cg{ì kmgy nppnsyhaya`{

@l`d`hy{ nj gh @hmghkì@hbgb`d`hy _snk`{{



10/36

;$dnhym {cda{{anh p`sani

Jsa`hi{ nj ym` {cdayy`s{

Sngi {mnr{

_s`$m`gsahb rnse{mnp{ pny`hyagl kgk{ahb nj{cdayy`s{

_n{y hnyajakgyanh nj Phaygsq _lgh



11/36

_gp`s yn Bnz`shd`hy Phaygsq _lgh e`q ynnl jns adpl`d`hyahb ym` Gkelghi _lgh

Ksayakgl yn dge` ay np`sgyaz` {nnh g{ pn{{acl` _gp`s {bb`{y{5

; dnhym p`sani jns {cda{{anh Gppnahyd`hy nj jsa`hi{ nj ym` {cdayy`s Gppnahyd`hy nj m`gsahb{ pgh`l kmgasì cq Ahi`p`hi`hy Kmgas, Da}

nj ahi`p`hi`hy{ ghi `l`kyì s`ps`{`hygyaz`{ _gh`l gcalayq yn s`w`{y {p`kagla{y gizak`

_gh`l gcalayq yn ias`ky Knhkal yn i`z`lnp ghi hnyajq jsym`s plghkmghb`{

Hn gpp`gl sabmy{ `}k`py nh pnahy{ nj lgr

Nh` njj kmghb` yn [kmìl` 7 psnk`{{ jns jas{y Gkelghi Phaygsq_lgh

Dgeahb ym` Phaygsq _lgh Np`sgyaz`



12/36

Kndd`skagl gkyazaya`{ ah ym` Gpkelghi _lgh $ h`rs`ygal ghi njjak` gkyazaya`{ gs` jnk{ì ah k`hys`{ -_gsg0==! ghi Gkelghi{ h`yrnse nj k`hys`{ rallc` ym`psadgsq jnk{ jns s`ygal ghi nym`s kndd`skagl gkyazayq-Ias`kyaz` 7?(=!

Ahip{ysagl gkyazaya`{ ah ym` Gpkelghi _lghGkelghi{ s`{ysakyì {yns` nj ahi{ysagl lghi rall c`gkyaz`lq dghgbì yn `h{s` ymgy ahi{ysagl gkyazayq

ksayakgl yn Gkelghi{ `knhndak p`sjnsdghk` a{ hnyadpìì( Yma{ s`was`{ ym` {gj`bgsiahb nj `}a{yahbahi{ysagl$vnhì {ay`{ -_gsg ;1?!

C{ah`{{ gkyazaya`{ ghi ymàslnkgyanh



13/36

Ym` Gkelghi _lgh mg{ ai`hyajaì g {mnsygb` njc{ah`{{ lghi5 Lghi jns kndd`skagl gkyazaya`{ ah k`hys`{ a{ psgkyakgllq iajjakly yn

sì`z`lnp i` yn mabm kn{y ghi ym` iajjaklya`{ ah g{{`dclahb{ay`{ nj {jjaka`hy {av`

Labmy ahi{ysagl lghi a{ gl{n jsgbd`hyì

Ym`s` a{ g {mnsygb` nj lghi jns m`gzq ahi{ysq ghi {ay`{ jns lghi`}y`h{az` ahi{ysagl gkyazaya`{

@h{sahb {jjaka`hy c{ah`{{ lghi {pplq a{ hny f{ygcny ks`gyahb h`r c{ah`{{ lghi, cy psny`kyahb

k`sygah yqp`{ nj c{ah`{{ lghi jsnd {` cq nym`sgkyazaya`{ `b dahada{ahb s`ygal gkyazaya`{ ah ahi{ysaglvnh`{

C{ah`{{ lghi {pplq



14/36

Snl` nj k`hys`{ ghi ny$nj$k`hys`

kndd`skagl gkyazayq Ym` Gkelghi _lgh jnllnr{ g k`hys`{ cg{ì {ysgy`bq $

kndd`skagl gkyazayq {mnli lnkgy` raymah k`hys`{(S`g{nh{ jns yma{ ahkli`5 dns` nppnsyhayq yn psnzai` ghi {` pclak ysgh{pnsy ghi

ahks`g{` rgleahb ghi kqklahb

sìkì ahjsg{yskys` kn{y{

ahks`g{ì psnikyazayq, `knhndak bsnrym ghi fnc nppnsyhaya`{ymsnbm kl{y`sahb ghi gbblnd`sgyanh

bs`gy`s zayglayq ghi {`ksayq nj scgh gs`g{ ymsnbm ahks`g{ì{nkagl gkyazayq ghi ahy`sgkyanh

bs`gy`s ps`{`szgyanh nj hgysgl `hzasnhd`hy ymsnbm g sìkìscgh jnnypsahy



15/36

Snl` nj k`hys`{ ghi ny$nj$k`hys`

kndd`skagl gkyazayq Ym` b`h`sgl gppsngkm a{ yn `hknsgb` kndd`skagl

gkyazaya`{ ahyn k`hys`{, cy yma{ a{ hny glrgq{ pn{{acl` nsgppsnpsagy`5 Ay a{ hny glrgq{ pn{{acl i` yn jsgbd`hygyanh nj {ay` nrh`s{map

ghi ym` {dgll {av` nj {ay`{

Ay a{ hny glrgq{ gppsnpsagy`, g{ {yns`{ ymgy {`ll cleq bnni{ ghi

h`ì lgsb` {ay`{ yn in {n gs` hny glrgq{ {aygcl` jns k`hys`{(Ym`q kgh i`ysad`hygllq gjj`ky k`hys`{ g{ ym`q {` p ynn dkmlghi, rmakm knli c` c`yy`s {ì cq dns` ahy`h{az` gkyazaya`{

G k`hys`{ cg{ì {ysgy`bq h`ì{ yn s`knbha{` yma{,

rmal{y ysqahb yn `h{s` ymgy g{ dkm kndd`skagli`z`lnpd`hy nkks{ ah k`hys`{ g{ pn{{acl`



16/36

_nlakq baighk` jns ny$nj$k`hys`

kndd`skagl gkyazayq _snpn{gl jnllnr s`k`hylq h`bnyagy`i S`banhgl _nlakq [ygy`d`hy

Kmghb` : pnlakq gppsngkm

@hknpsgb` kndd`skagl gkyazayq ah k`hys`{ @hgcl` ny$nj$k`hys` kndd`skagl gkyazayq ah k`sygah gs`g{ -glnhb

knssains{ ghi kln{` yn k`hys`{! rm`s` bs`gy`s ahy`h{ajakgyanh a{i`{asgcl`

Ny$nj$k`hys` kndd`skagl gkyazayq knpli nkkps ah nym`s gs`g{{cf`ky yn {gya{jqahb k`sygah ksay`sag, ahkliahb `jj`ky{ nh5

k`hys`{

`jjaka`hy {` nj lghi ghi ahjsg{yskys`

{kgsk` ahi{ysagl lghi

{nkagl ghi knddhayq r`llc`ahb ghi gkk`{{acalayq h`y `knhndak c`h`jay



17/36

_n{{acl` `}gdpl`{ nj gkyazayq{ygy{`{

Ah ym` m`gzq ahi{ysq vnh`, psnmacay ym`

jnllnrahb gkyazaya`{5hnh$ghkallgsq s`{ai`hyagl

lgsb` jnsdgy s`ygalhnh$ghkallgsq njjak` gkyazaya`{



18/36

_n{{acl` `}gdpl`{ nj gkyazayq

{ygy{`{

Ah ym` labmy ahi{ysq vnh`, dge` ym`

jnllnrahb gkyazaya`{ hnh$kndplqahb5hnh$ghkallgsq s`{ai`hyagl

lgsb` jnsdgy s`ygal -hny ahkliahb Ysgi`[ppla`s{ `b caliahb {ppla`{, bgsi`hk`hys`{!

hnh$ghkallgsq njjak` gkyazaya`{



19/36

W`{yanh{7( Rmgy -aj ghq! knhk`sh{ in`{ ym` _gh`l mgz` raym ym`

knhkal{ s`w`{y yn Bnz`shd`hy ah s`lgyanh yn gpp`gl{ nh ym` GP_>3( Rmgy rnli ym` knhkal h`ì yn in yn giis`{{ ghq knhk`sh{ym` _gh`l mg{>

;( In`{ ym` _gh`l {ppnsy ym` knhkal{ k`hys`{$cg{ì

gppsngkm>9( In`{ ym` _gh`l gbs`` ymgy s`{ai`hyagl, lgsb` jnsdgy s`ygal ghihnh$ghkallgsq njjak` gkyazaya`{ {mnli c` psnmacayì ah m`gzq ahi{ysaglgs`g{>

0( In`{ ym` _gh`l gbs`` ymgy hnh$ghkallgsq s`{ai`hyagl, lgsb`jnsdgy s`ygal -hny ahkliahb ysgi` {ppla`s{! ghi hnh$ghkallgsq njjak`gkyazaya`{ {mnli c` hnh$kndplqahb ah labmy ahi{ysagl gs`g{>



20/36

C{ah`{{ Giza{nsq_gh`l: Gb{y 3?73

Gyygkmd`hy 9 KJN ps`{`hygyanh 7


21/36

_sahkapl`{7( Jgash`{{ c`h`jakagsq pgq{

3( _si`hy kgpgkayq nz`s yad`;( Gjjnsigcl` fib`d`hy g{ yn gcalayq yn pgq

9( @jjaka`hkq zglgcl` {`szak`{ ghi hn rg{y`



22/36

Ah _sgkyak`7( Cglghkì Np`sgyahb Cib`y ghhgllq

3( Kgpaygl {c{aiq s`z`h` `}kliì jsnd np`sgyahbs`z`h` kglklgyanh

;( I`ps`kagyanh jhiì -dnzahb jsnd l`bgkq :;% yn7??%!

9( I`cy nhlq {ì jns h`r g{{`y{ -{ps`gi kn{y{ ync`h`jakagsa`{!

0( S`h`rgl{ jhiì jsnd np`sgyahb cib`y kg{m {spl{

-i`ps`kagyanh!:( Sgy`{ ghi i`cy laday{

Gyygkmd`hy 9 KJN ps`{`hygyanh ;


23/36

Rmgy ay d`gh{ jns6 @}p`hiays`_sahkapl`{ $ `jjaka`hkq

7( @h{s` psnf`ky{ gii zgl`, {ysgy`bakgllq glabhì

3( Yge` gizghygb` nj ym` nppnsyhayq yn in ym` {gd` . dns` jns l`{{kn{y

;( [`szak` l`z`l{ s`ygahì

9( );=c nj np`sgyahb }p`hiays` nz`s 7? q`gs{0( )3?(3c nj kgpaygl `}p`hiays` nz`s 7? q`gs{

:( )7(2c nj `jjaka`hkq bgah{ -{gd` jns l`{{! caly ah nz`s 7? q`gs{

2( I`ps`kagyanh g pgsy nj np`sgyahb }p`hiays`

L`bgkq pnlaka`{ :;% jhiì Dnzahb yn 7??% nz`s h`}y 7; q`gs{



24/36

Rmgy ay d`gh{ jns I`cy_sahkapl`{6 Jgash`{{ ghi _si`hy7( Isaz`h cq cqahb . caliahb h`r g{{`y{

3( Sgyan{ s`lgyaz`lq d`ghahbl`{{ -ksìay sgyahb gb`hkqdni`l! cy mgz` laday{

;( Knh{`w`hyagl np`} adpgky e`q

9( Yrn e`q sa{e{ Ahy`s`{y ahks`g{` y`hs`, ja}, cglghkì cib`y

S`jahghkahb njj{mns`, LB Jhiahb Gb`hkq, ahks`g{`y`hs`, jhiahb i`ps`kagyanh

0( L`bgkq jns jys` b`h`sgyanh{ -s`pgqd`hy! a{ g {`pgsgyì`ka{anh



25/36

Jns ahz`{yns{ g kndp`llahb {ynsq yn ahz`{y ah Knhkal i`cy a{{ghk` Iaz`s{ajakgyanh ah y`sd{ nj $ [nym`sh M`da{pm`s`

$ [`kyns

$ [ysnhb {`ksayq

Lnr`s cg{` ahy`s`{y sgy`{ Ahz`{yns{ {yall s`ygah g mnd` dgse`y cag{

Ahz`{yns{ knddghi g ps`dad yn l`hi yn h`r cnssnr`s{

Dn{y cnssnr`s{ jgkahb ksìay sgyahb inrhbsgi`{

Rai`hahb ksìay dgsbah{ H`ì yn ahks`g{` kg{m s`{`sz`{ ps`jhiahb ns cnssnrahb s`was`d`hy

S`ygal ahz`{yns{ ps`j`s`hk` jns cghe y`sd i`pn{ay sgy`{ g{ mabm qa`liahb

S`blgynsq gymnsaya`{ jnskahb cghe{ yn ahks`g{` kgpaygl gi`wgkq

psnza{anh{ ghi g{{`{{ {` nj cghe kgpaygl d`gh{ mabm`s kss`hkq {rgp kn{y{Cnyynd Lah`6 lnr`s kn{y nj cnssnrahb g{ ksìay dgsbah hny rai`hahb g{ dkm g{i`klah` ah cg{` ahy`s`{y sgy`{ ghi mabm ksìay sgyahb . knhkal {ynsq m`lpahb

Adplakgyanh{ jns Knhkal

Gyygkmd`hy 9 KJN ps`{`hygyanh :


26/36

Jhiahb s`was`d`hy psnf`kyì yn c` HVI 7 callanh p`s ghhd jns 3?73$3?7= p`sani

_s`j`s`hk` jns lnhb igyì jhiahb yn dgykm lnhb igyì g{{`y{

Iaz`s{ajq gksn{{ dgse`y{ ghi grgq jsnd s`laghk` pnh ind`{yak jhiahb

Ind`{yak Jhiahb

$ Ah{yayyanhgl psazgy` plgk`d`hy{ ghi s`ygal a{{ghk`$ Adpsnzì lawaiayq cq ahks`g{ahb }a{yahb ysghkm` {av`{ ghi knh{nlaigyanh nj }a{yahb

dgysaya`{$ )2:0 dallanh a{{ì ah ind`{yak dgse`y ah 3?77 raym dgysaya`{ sghbahb jsnd 7 yn 70

q`gs{

Njj{mns` jhiahb

$ Gbhn{yak ah y`sd{ nj dgse`y ns kss`hkq cy mìbì cgke ahyn HVI

$ A{{ghk` {av` p`s ysgh{gkyanh hlae lq yn }k`ì HVI 9?? dallanh -P[I ;?? dallanh!

$ Np`h yn psazgy` plgk`d`hy hi`s s`z`s{` `hwasq

Lnkgl Bnz`shd`hy Jhiahb Gb`hkq -{adalgs yn Enddhaz`{y, DhaJahghk`,EnddhÈsìay!

$ Knddayyì yn cnssnrahb g dahadd nj nh` ymasi nj ns jhiahbs`was`d`hy ymsnbm Lnkgl Bnz`shd`hy Jhiahb Gb`hkq

A{{ghk` {ysgy`bq



27/36

[nsk`{ nj Jhiahb

Kss`hy gdnhynh a{{`

Kss`hyp`sk`hygb`

Rmnl`{gl` cnhi{ ) 3,?:? d 00 %

S`ygal cnhi{ ) 129 d 3: %

Lnkgl Bnz`shd`hy Jhiahb Gb`hkq ) 320 d 2 %

Kndd`skagl pgp`s ) 3:3 d 2 %

Njj{mns` Jhiahb ) 3?? d 0 %

Cghe jgkalaya`{ -isgrh! $ $

Ynygl ) ;,227 d 7?? %

Gyygkmd`hy 9 KJN ps`{`hygyanh =


28/36

Adpla`i Knhkal cnssnrahb kn{y nh h`rjhiahb ah H`r V`glghi dgse`y

;(??%

9(??%

0(??%

:(??%

2(??%

Fg h77 Gps77 Fl77 Nky77 Fgh73 Gps73

;Q`g s 0q` g s 7?Q`gs



29/36

Sgy`{6 Nz`sza`r_sahkapl`{ jgash`{{ ghi gjjnsigcalayq

7( Nhlq yg} ah{ysd`hy gzgalgcl` yn Knhkal

3( Kgpaygl zgl` cg{ì -kmghb` jsnd Lghi * Ghhgl Zgl` da}!;( Nh` s`banh za`r

9( P{` hajnsd kmgsb` pnsyanh yn jlgyy`h

0( Iajj`s`hyagy` c`yr``h {`kyns{ knll`ky {gd` psnpnsyanh jsnds`{ai`hyagl ghi hnh$s`{ai`hyagl

:( Ladayì yn ;(:% Q`gs 7, 9(1% s`dgahahb hah` q`gs{

2( K`sygahyq nj knll`kyanh baz`{ {`ksayq yn ahz`{yns{ -1=%

knll`kyì ah q`gs i`, s`{y ah h`}y yrn dnhym{, sghe gm`gi njgll nym`s{!

Gyygkmd`hy 9 KJN ps`{`hygyanh 7?


30/36

Sgy`{6 iajj`s`hyagl{ Iajj`s`hyagl{ gs` {ì yn s`jl`ky iajj`s`hk`{ c`yr``h {`kyns{6

gllnkgy`{ kn{y{ yn ym` bsnp{ ymgy mgz` ahks`g{ì c`h`jay nsks`gy` ahks`g{ì kn{y

dghgb`{ {mgs` c`yr``h bsnp{ ymgy mgz` iajj`sahb gcalayq yn pgq kgh c` {ì yn m`lp dahada{` kmghb`

_snpn{ì iajj`s`hyagl kgy`bnsa`{ ghi l`z`l{

Lnr`s iajj`s`hyagl jns Jsghelah c{ah`{{ yn sìk` adpgky nj hajnsdsgyahb pnlakq nh gs`g raym z`sq mabm kmghb`

Iajj`s`hyagl bsnp Sgy`{iajj`s`hyagl

Iajj`s`hyagl bsnp Sgy`{iajj`s`hyagl

Pscgh c{ah`{{ 3(:; Ssgl c{ah`{{ 3(;2

Pscgh Jsghelah c{ah`{{ 3(?; Ssgl Jsghelah c{ah`{{ 7(=;

Pscgh s`{ai`hyagl 7 Ssgl s`{ai`hyagl ?(1

Jgsd ghi laj`{yql` ?(= Phahmgcayì a{lghi{ ?

[`g nhlq gkk`{{ ?(30



31/36

Sgy`{6 lnhb$y`sd iajj`s`hyagl {ysgy`bq

_snpnsyanh nj sgy`{ pgai cq c{ah`{{ dgahygah`i jns 3?73.3?7;

Pscgh c{ah`{{ i`ks`g{`{ cq ?(7 ghhgllq jsnd q`gs yrn nj ym`Lnhb$y`sd _lgh 3?73$3?33

Hnh$c{ah`{{ {`kyns sgy`{ ahks`g{` 7% Jsghelah scgh c{ah`{{ iajj`s`hyagl yn ahks`g{` cq ?(7 ghhgllq jsnd

q`gs yrn nj ym` Lnhb$y`sd _lgh 3?73$3?33 hyal ah lah` raym ym` scghc{ah`{{ iajj`s`hyagl ah q`gs jns nj ym` plgh( Ay ym`h s`ik`{ raym ym`

scgh c{ah`{{ iajj`s`hyagl(Iajj`s`hyagl 3?73.3?7; 3?7;.3?79 3?79.3?70 3?37.3?33

Pscgh C{ah`{{ 3(:; 3(0; 3(9; 7(2;

Jsghelah Pscgh C{ah`{{ 3(?; 3(7; 3(3; 7(2;Ssgl C{ah`{{ 3(;2 3(3= 3(71 7(0:



32/36

Sgy`{6 ygsb`yì sgy`{ Ygsb`yì sgy`{ jns 3?73.3?7;6

rg{y` dghgb`d`hy -kmgsb`{ s`jl`ky l`z`l nj {`szak`psnzaiì ghi l`z`l nj {`s kmgsb`{ ah `gkm gs`g!

c{ah`{{ adpsnz`d`hy ia{ysaky{ -`}a{yahb 7 h`r nh`! s`ysnjay qns mnd` -h`r nhlq yn ymn{` rmn {ahbì p! {`pyak yghe pdp ny -`}a{yahb RKK nhlq! kayq k`hys` -`}a{yahb GKK nhlq hn lnhb`s kmgsbahb

s`{ai`hyagl! rg{y`rgy`s knhh`kyanh lngh s`pgqd`hy{ -SIK $ nhlq ynymn{` rmn {abhì p!

Gsgpgs`sg jns`{ysq sgy` -SIK nhlq! Saz`smgz`h isaz` -SIK nhlq! Blnsay jlnnibgy` s`{ynsgyanh -SIK nhlq!

Gyygkmd`hy 9 KJN ps`{`hygyanh 7;


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Sgy`{ 6 dgfns isaz`s{ nj kmghb` Dnz` jsnd lghi zgl` yn kgpaygl zgl` [mgsahb ynygl sgy`{ s`was`d`hy gksn{{ s`banh nz`s ynygl

kgpaygl zgl`

Kmghb`{ ah zgl` i` yn s`zglgyanh Ahysnikyanh nj {yghigsi iajj`s`hyagl{ gksn{{ s`banh

Pscgh.ssgl {play

C{ah`{{, s`{ai`hyagl, ghi jgsd.laj`{yql`

L`z`l nj PGBK $ );0?

mabm`s zgl` psnp`sya`{ kmgsb`i dns`, lnr`s zgl`psnp`sya`{ kmgsb`i l`{{

[`yyahb PGBK nh [PA_ cg{a{ -DKK ghi JIK! Ahysnikyanh nj znld`ysak kndpnh`hy yn rg{y`rgy`s ygsajj

[majyahb rg{y`rgy`s kn{y{ nz`s `hyas` s`banh



34/36

Sgy`{6 Ysgh{ayanh_sahkapl`{ jgash`{{ ghi gjjnsigcalayq

7( H`r zglgyanh cg{a{, zgl`{ ghi pnlaka`{3( [abhajakghy kmghb` c`yr``h b`nbsgpmak knddhaya`{ ghiraymah ynn(

;( Z`sq iajj`s`hy adpgky{ gksn{{ s`banh

9( [ps`gi nz`s yad` ; q`gs{

0( Kgppì yn s`{ai`hyagl gy 7?%, jhiì cq ladayahb l`z`l njsìkyanh

:( _mg{ì jns kndd`skagl {n gcny g ymasi nj kmghb` p`sq`gs



35/36

Rg{y`rgy`s Ygsajj{ jns 3?73.3?7; -B[Y ahk!6

ind`{yak6 )71? )3(3=7 p`s 7???L

hnh$ind`{yak6 kss`hy kmgsb` {yskys` ;(:%

Hnh$ind`{yak ygsajj càhb s`za`rì cq Rgy`skgs`

ahkli`{ s`za`r nj ysgi` rg{y` cqlgr{

jsym`s knh{lygyanh ghi ghglq{a{

s`ygah ym` cglghk` nj s`z`h` c`yr``h {`kyns{

gll ygsajj{ yn c` pclaklq hnyajaì ghi gzgalgcl` yn gll

k{ynd`s{ rmn d``y ym` ksay`sag

Gyygkmd`hy 9 KJN ps`{`hygyanh 7:


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W`{yanh{


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