grm Rxex bvix `i mâq Znwej cwipvjbv g vbyqvj
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- Augustus Dean
- 6 years ago
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1 d Uv: ejivg gnj`vi Gbn výw& Kv vj wdkvwir Bb evsjv `k (B Kvwdk-evsjv `k) cökí grm Rxex bvix `i mâq Znwej cwipvjbv g vbyqvj Fishers Women Savings Fund Management Guidelines USAID Av gwikvi RbM Yi cÿ _ K
2 d Uv: ejivg gnj`vi
3 grm Rxex bvix `i mâq Znwej cwipvjbv g vbyqvj ev Íevq b: Iqvì wdk evsjv `k I mvd_ Gwkqv Ges grm Awa`ßi gvv ch v q Kg m~wp ev ÍevqbKvixt wmgbavigm/ Kv WK/ Kvó Uªvó Avw_ K mn hvwmzvq: BDGmGAvBwW cökvkkvj: gvp, 2017 cökvkbv I ^Ë : Gbn výw& Kv vj wdkvwir Bb evsjv `k (B Kvwdk-evsjv `k), Iqvì wdk, evsjv `k
4 m~wpcî c ôv bs 1. f wgkv 3 2. KwgDwbwU mâq ` ji e e vcbv 3 3. FY Kg m~wp cwipvjbv 5 4. ms hvrbxmg~n 6 ms hvrbx-1: KwgDwbwU mâq ` ji (wmgmwr) bxwzgvjv/mvbzš 6 ms hvrbx-2: Pzw³cÎ 15 ms hvrbx-3: mâq I FY mn hvwmzvi Rb wbwl (Abychy³) Kvh µ gi ZvwjKv 18 ms hvrbx-4: FY Av e`b dig 19 ms hvrbx-5: GAvBwRG/ e emvwqk cwikíbvi bgybv 20 ms hvrbx-6: wmgmwrõi mâq Ges FY Kg m~wpi Rb LwZqvb eb Gi bgybv 21 ms hvrbx-7: F Yi njdbvgv/a½xkvibvgv 22 ms hvrbx-8: wmgmwrõi mâq Ges FY Kg m~wpi Rb bm`vb ewni bgybv/ Ug cøu 23 ms hvrbx-9: PK Bm y iwr v ii bgybv/ Ug cøu 23 ms hvrbx-10: mâqx ` ji cöwz e`b dig 24
5 1. f wgkv Gbn výw& Kvóvj wdkvwir Bb evsjv `k (B Kvwdk-evsjv `k) cökíwu hy³iv óªi AvšÍR vwzk Dbœqb ms v BDGmGAvBwWÕi A_ vq b, AvšÍR vwzk M elyv cöwzôvb Iqvì wdk Ges grm Awa`ß ii gva g ev ÍevwqZ n Q cökíwu Awf hvrbkxj mn-e e vcbv KŠkj ev Íevq bi gva g cùv- gnbv b`xi cwi ek I Rxe ewpî iÿv Ges wekí Av qi gva g Bwj ki Dci wbf ikxj R j `i RxweKv I Rxebgvb Dbœq bi Rb KvR K i hv Q evsjv `k mikvi NvwlZ Bwj ki 5wU AfqvkÖg msjmœ 9wU Rjvq (ewikvj, cuyqvlvjx, fvjv, ei bv, SvjKvwV, wc ivrcyi, kixqzcyi, Puv`cyi, Ges j²xcyi) cökíwu ev ÍevwqZ n Q G me GjvKvq Bwjk m ú `i Dci wbf ikxj grm Rxex cwiev ii cyiæl m` m i cvkvcvwk bvix m`m `i Av_ -mvgvwrk Ae vi Dbœq bi Rb `ÿzv e w I wekí Kg ms v bi my hvm m wó Kiv n Q G j ÿ cökí GjvKvi cöwzwu MÖv g bvix `i wb q grm Rxex gwnjv Kj vy mwgwz ev KwgDwbwU mâqx `j (wmgmwr) MVb Kiv n q Q G me mâqx ` ji m`m `i gvwmk mâq Ges cökí cö`ë g vwps dv Ûi wfwë Z mâq I FY Znwej MVb Kiv n Q hlvb _ K Zviv ^í mevg~ j (mvwf m PvR ) FY MÖnY Ki Z cvi eb mâqx ` ji m`m iv Zv `i mâq I FY Kvh µg hv Z myôzfv e cwipvjbv Ki Z cv ib m Rb `j MV bi ci Zv `i cöwkÿy cö`v bi gva g `ÿzv e w Kiv n Q GB g vbyqvjwu mâqx ` ji m`m `i mâq I FY Kvh µg myôzfv e cwipvjbv Ki Z mnvqzv Ki eb G Z cö qvrbxq Z_ -DcvË I bgybv/ Ug cøu hy³ Kiv n q Q hv KwgDwbwU mâqx `j, Iqvì wdk Ges Gi mn hvmx ms vi cö qvrb n e 2. KwgDwbwU mâq ` ji e e vcbv m`m `i gvwmk mâ qi nvi 50 UvKv _ K 100 UvKvi g a n e KwgDwbwU mâq `j ev wmgmwrõi mâq 25,000 UvKv niqv mv c ÿ B Kvwdk-evsjv `k cökí _ K Abỳ vb wn m e Zv `i K GK Kvjxb 25,000 UvKv cö`vb Kiv n e GB Abỳ vb ` ji m`m `i N~Y vqgvy Znwej wn m e `Iqv n e Zviv G Znwej GKK ev `jxqfv e wekí Avqea K Kv R e envi Ki eb KwgDwbwU mâqx ` ji GKvD U cökí Abỳ vb cö`v bi c~ e KwgDwbwU mâqx `j, Iqvì wdk Ges Gi ev ÍevqbKvix ms vi (wmgbavigm/ Kv WK/ Kvó Uªvó) mv _ GKwU wî-cÿxq Pzw³ m úv`b Kiv n e Pzw³ Z KwgDwbwU mâqx ` ji e e vcbvi mkj c ÿi `vwqz Ges f~wgkv jv my-wbw` ó Kiv _vk e GKwU wîcÿxq Pzw³i bgybv/ Ug cøu ms hvrbx-2 G Dc vcb Kiv n q Q wmgmwr m`m e ` ÔmÂq I FYÕ Znwej bxwzgvjvi wfwë Z Znwej MVb Ki eb Ges mâq I FY Kvh µg cwipvjbv Ki eb mâq I F Yi bxwzgvjvi bgybv ms hvrbx-1 G Dc vwcz n q Q D³ ms hvrbx Z mâq I FY Kvh µg e e vcbvi g~jbxwz I c wz ey bv Kiv n q Q hv ms kvab ev cwiez b hvm cö qvr b m`m `i Ae v, cöz vkv Ges wm v šíi wfwë Z wmgmwr GB kz I bxwzgvjv ms kvab Ki Z cv i Z e Zv bxwzgvjvq D jøwlz wbqg-kvbyb g b Ges ms hvrbx-3 G D jøwlz Abychy³ Kvh µg e wz i K Ki Z n e wmgmwrõi e vsk GKvD U cwipvjbvi Rb cökí KZ K g bvbxz cöwzwbwa ( hgb: ev ÍevqbKvix ms vi gvv Kg x) GKRb eva Zvg~jK ^vÿi`vbkvix n eb hv wîcÿxq Pzw³ Z (ms hvrbx- 2) D jøwlz gqv` ch ší cö hvr n e we kl Î cök íi Aby gv`b mv c ev ÍevqbKvix ms vi gvv 3
6 Kg x QvovI e vsk GKvD U cwipvjbv Kiv h Z cv i m Î ev ÍevqbKvix ms vi cöwzwbwai mz vwqz cöz qb c Îi gva g e vsk GKvD U cwipvwjz n e cö qvr b G wel q cök íi wb ` kbv AbymiY hvm n e cök íi gqv` k l vbxq mikvi/grm Awa`ß ii cöwzwbwai Kv Q cök íi Kvh vejx n ÍvšÍi Kiv mv c Zv `i gzvgz I civg k i wfwë Z e vsk GKvD U cwipvwjz n e ms hvrbx-1 G wb ` wkz KwgDwbwU mâq ` ji bxwzgvjv wb Pi bxwzmg~ ni Dci wfwë K i MwVZ- Znwej e e vcbv Ges wnmve msiÿy cöwµqv: KwgDwbwU mâqx ` ji bv g wbku ivóªvqz e vs Ki gva g GB Znwej e e vcbv Kiv n e Ges wmgmwrõi wbe vnx KwgwUi Øviv Zv cwipvwjz n e cvkvcvwk wmgmwrõi m` m i jb- `b I w wzi wnmve ivlvi D Ï k wmgmwrõi e vsk GKvD Ui Rb GKwU LwZqvb eb e envi Ki Z n e wmgmwrõi Avw_ K jb ` bi ^ QZv Ges k Ljvi Rb 2 Rb e w³i hš_ ^v ii gva g e vsk wnmve cwipvwjz n e h_vt K) cö_g ^v ikvix: ev ÍevqbKvix ms vi GKRb cöwzwbwa L) wøzxq ^v ikvix: wmgmwrõi mfvcwz ev mvaviy m úv`k ev wmgmwrõi K vwkqvi FY eivï cöwµqv: wmgmwrõi wbe vnx KwgwU gvwmk ev we kl mfvi gva g FY eiv Ïi bxwz Abyhvqx cö ÍvweZ Avqea K Kg m~wpi cwi ek I KŠkjMZ Ae v Ges m ve jv fi cwigvy, Av e`bkvixi Av_ -mvgvwrk Ae v I mÿgzv hvpvb Ki e mb mv _ Kvh wbe vnx KwgwUi Kgc ÿ 2 Rb m` m i mycvwik I Znwej w wzi cwigvy we epbv K i FY eiv Ïi wm vší MÖnY Ki e h me wekí RxweKv Kvh µg ms hvrbx-3 G D jøwlz Abychy³ ZvwjKvf~³, mme Kvh µ gi Rb GB FY cö`vb Kiv hv ebv ev Av e`bcî MÖnY hvm n ebv FY Av e` bi mv _ Ave`bKvixi wmgmwrõi 2 Rb m`m Rvwgb`vi wnmv e FY Av e`bkvixi `ilv Í mycvwikmn ^vÿi Ki eb Ges Av e`b c Î Av e`bkvix h KvR Ki eb Zvi cwikíbv, m ve LiP, Avq Ges FY di Zi mgq D jøl Ki eb Ab w` K hme wekí Av qi ÿî n Z `ªæZ Avq n e I `ªæZ FY cwi kva Kiv hv e m mkj ÿî K cövavb `qv n e hv Z wba vwiz ^í cwigvy Znwej c~yt c~yt e envi K i ewkifvm m`m K mn hvwmzv Kiv hvq F Yi cwigvy: Znwej Gi cwigvy, FY Av e`bkvixi GKK mâq, FY Av e`bkvixi msl v Ges wekí RxweKv Kvh µg cwipvjbvi Rb cö qvrbxq UvKvi cwigvy we epbv K i wmgmwr F Yi cwigvy wba viy Ki e G ÿ Î m` m i mvwe K Kj vy I gzvg Zi Dci kö vkxj _ K Kvh wbe vnx KwgwU wm vší MÖnY Ki e Z e 1g av c ÿz`ª e emvi ( hgb Miæ cvjb, QvMj cvjb, nuvm-gyiwm cvjb, gyw` e emv, mewrpvl BZ vw`) Rb 3,000 _ K 5,000 UvKv wba viy Kiv h Z cv i wøzxq av c, F Yi A_ Av`vq I Znwej w wzi Dci wfwë K i AvbycvwZKnv i F Yi cwigvy evov bv h Z cv i, hgb ÿz`ª e emv I `jxq e emvi Rb 10,000 _ K 20,000 UvKv ch ší FY cö`vb Kiv h Z cv i FY diz/wkw Í Av`vq I mvwf m PvR wba viyt FY MÖnxZv K cvwÿk ev gvwmk wfwë Z 20 ev 10 wkw Í Z FY cwi kva Ki Z n e G ÿ Î F Yi mev gyj n e 5-10% mij nv i hv Avm ji (cök Z FY) mv _ hvm n q 20 ev 10 wkw Í Z Av`vq n e hgb Kv bv m`m 1000 UvKv FY MÖnY Ki j 10% mevgyj mn gvu cwi kva hvm F Yi cwigvy n e = 1100 UvKv myzivs cvwÿk ev gvwmk Av`vq hvm wkw Íi cwigvy n e h_vµ g 1100/20=55 UvKv A_ev 1100/10=110 UvKv 4
7 3. FY Kg m~wp cwipvjbv Kg m~wp cwikíbv, Z_ mieivn I F Yi Rb Av e`bt wmgmwrõi wbe vnx KwgwU Znwe ji Dci wfwë K i ` ji m`m `i Rb evwl K ev lv vwmk FY weziy cwikíbv cöyqb Ges m`m `i wbku `ilv Í AvnŸvb Ki eb hme m`m KwgwU wba vwiz mg qi g a F Yi Rb Av e`b Ki Z B QzK, Zviv ` ji gvwmk ev we kl mfvq wdì d vwmwj UU ii KvQ _ K FY MÖnY cöwµqv, Av e` bi wbqgvejx, FY cviqvi my hvm BZ vw` m ú K we ÍvwiZ R b h_vh_ wbq g wbw` ó dig G (ms hvrbx-4) F Yi Rb Av e`b Ki eb FY Av e` bi mv _ GKwU e emvwqk cwikíbv (ms hvrbx-5) mshy³ Ki Z n e FY Av e`b evqvbkiy t wmgmwrõi wbe vnx KwgwU bxwzgvjv Abymv i Av e`b cî hvpvb evqvb Ki e Ges wmgmwrõi gvwmk mfvq FY `qvi e vcv i wm vší b e FY weziy t wbe vwpz m`m ev m`m `i gv S wmgmwrõi `vwqz cövß e w³ bm` ev P Ki gva g iwk`cövwß mv c ÿ FY weziy Ki eb Ges LwZqvb (ms hvrbx-6) I FY MÖnxZvi cvk eb G wjwce Ki eb FY MÖnxZv FY MÖn Yi c~ e `j K FY diz cö`vb I FY e env ii kz vejx m ^wjz GKwU wjwlz Pzw³bvgv (ms hvrbx-7) m úv`b Ki eb FY Av`vq t ` ji mvaviy m úv`k ev K vwkqvi ev Rvwgb`vi wbw` ó FY cwi kvam~wp Abyhvqx gvwmk ev cvwÿk iwm `i gva g FY Av`vq Ki eb Ges FY cwi kvakvixi cvk eb G wjwce Ki eb Iqvì wdk, grm Awa`ßi Ges ev ÍevqbKvix ms vi `vwqz I KZ e t Iqvì wdk/ grm Awa`ßi Gi mn hvwmzvq Kg m~wp ev ÍevqbKvix ms vi `vwqz cövß Kg x/kg xe ` wmgmwr K KwgDwbwU mâqx ` ji bxwzgvjv cöyq b mvnvh Ki eb GQvov wmgmwrõi e e vcbv wel q bzv `i `ÿzv Dbœq bi ÿî hvpvb Ki eb Ges cö qvrbxq cöwkÿy, we kl mn hvwmzv Ges AwfÁZv wewbgq md ii Av qvrb Ki eb grm Awa`ßi wmgmwr K m g K i M o Zvjvi Rb cö qvrbxq civgk, mn hvwmzv Ges m e vcwi wmgmwrõi Kvh µg ZË veavb Ki eb Iqvì wdk Ges Gi mn hvmx ms vi Kg x/kg xe ` wmgmwri FY MÖnxZv K Zv `i FY myôzfv e wewb qv Mi gva g Dchy³, wbivc` Ges jvfrbkfv e wekí Kg ms vb m wó Z civgk cö`vbmn mvwe K mn hvwmzv Ki eb Iqvì wdk I ev ÍevqbKvix ms vi cöwzwbwa wmgmwrõi F Yi Ae v, jb `b BZ vw` ch eÿy/gwbuwis Ki eb GB ÿ Î wmgmwrõi `vwqz cövß e w³/e w³em cöwz wzb gvm k l ciez x gv mi cö_g mßv ni g a mieivnk Z dig (ms hvrbx-10) G cöwz e`b cö`vb Ki eb mn hvmx ms vi Kg x wbweofv e GB Kvh µg ch eÿy/gwbuwis Ki eb Ges wmgmwr K mvwe K mn hvwmzv Ki eb hv Z mâq I F Yi mwvk e e vcbv wbwðz nq Ges wbe vwpz GAvBwRG jv mvgvwrkfv e MÖnY hvm I cwi ek-evüe nq wmgmwrõi mvsmvwbk Dbœqb, Kvh µg Ges e vs K ^vaxbfv e jb ` bi ÿ Î ch vß hvm Zv I `ÿzv AR b bv Kiv ch ší mn hvmx ms vi Kg x wmgmwrõi e vsk wnmve cwipvjbvq GKRb eva Zvg~jK ^vÿi`vzv wn m e _vk eb 5
8 1 mâq ` ji gšwjk Z_ KwgDwbwU mâqx ` ji D Ïk n Q- 4. ms hvrbxmg~n ms hvrbx-1 KwgDwbwU mâq ` ji (wmgmwr) bxwzgvjv/mvbzš Bwjk m ú `i Dci wbf ikxj `wi`ª R j cwiev ii bvix `i wb q AvZœwbf ikxj `j M o Zvjv Ges `ÿzv e w i gva g RxweKvi gvb Dbœq b wekí Avq I Kg ms v bi my hvm m wó Kiv K) `j/mwgwzi bvgt grm Rxex gwnjv Kj vy mwgwz MÖvg: BDwbqb: Dc Rjv: Rjv: L) wmgmwr ev mâqx `j MVb Kivi ZvwiL: M) wmgmwr ev mâqx ` ji gvu m`m msl v: 2 m`m c` K) mâqx ` ji AvKvi: mâqx ` j Bwj ki Dci wbf ikxj `wi`ª grm Rxex cwiev ii Kgc 30 _ K 40 Rb bvix m`m _vk e cöwzwu cwievi/lvbv _ K 1 Rb K i bvix m`m _vk e ` ji m`m MY GKB GjvKvi vqx evwm `v n eb Ges Zv `i eqm eq ii g a n e `j MV b AwZ`wi`ª cwiev ii bvix `i AMÖvwaKvi w` Z n e L) bzbz m`m AšfÍ w ³KiY: m`m n Z AvMnÖ x e w³ K c_ö g ` ji MVbZš m ú K aviyv w` Z n e Zvici MVbZš gvb Z m Z n j m`m wn m e AšfÍ w z ³i welqwu evwlk mvaviy mfvq Ab y gv`b wb Z n e M) m`m c` evwzj: cici 3wU gvwmk wgwus G Abby gvw`zfv e Abycw Z _vk j ` ji m`m c` evwzj n q hv e GQvov ` ji wbqgf½ Ki j mb m`m K `j Z vm Ki Z n e ev hw` Kv bv m`m `j Z vm Ki Z Pvb Zv n j Zvi e Kqv FY KZ b I mgš^q K i cvibv UvKv jf vsk Qvov diz `Iqv n e N) m` m i g Z y: hw` Kv bv m`m g Z yeiy K ib Zvn j Zvi RgvK Z mgỳ q UvKv evwl K wnmv ei ci jf vskmn Zvi ˆea bwgwb A_ev wbku AvZœxq K diz w` Z n e g Z m` m i M nxz F Yi e Kqv Ges g vwps dvû/m cyik Znwej _ K M wnz FYmg~n gikz di welqwu Kvh Kix KwgwU we epbv Ki Z cv i cwiev i Kv bv bvix m`m _vk j m g Z m` m i cwie Z ` j AšÍf ³ n Z cvi e O) m`m ewn vi: wb Pi KviY jvi Rb h Kv bv m`m K `j _ K ewn vi Kiv h Z cv i- hšw³k KviY Qvov ci ci 3wU gvwmk mfvq Abycw Z _vk j Ges ci ci wzb gvm mâq Rgv Ki Z e _ n j Ab m`m `i mv _ Lvivc AvPiY Ki j ev Ab h Kvb Kvi Y ` ji wzb fv Mi `yb fvm m`m Zvi weiæ Abv v Avb j ` ji wbqgbxwz bv gvb j ev avivevwnkfv e f½ Ki j 6
9 3 wbe vnx/cwipvjbv KwgwU K) KwgwUi AvKvi (5-7 m`m wewkó) mfvcwz -1 Rb m cv`k-1 Rb K vwkqvi-1 Rb Kvh Kix m`m -2 Rb 4 wbe vnx/cwipvjbv KwgwUi Kvh cwiwa wbe vnx/cwipvjbv KwgwU - GK eqi `vwqz cvjb Ki Z cvi e wba vwiz mgq k l KwgwUi Kvh gzv jvc cv e Z e ` ji wm vší Abyhvqx G gqv`kvj evov bv h Z cv i ` ji AskMÖnYg~jK mgvr Dbœqb cwikíbv, mâq MÖnY, FY cö`vb, FY Av`vq I wewfbœ Kvh µg cöyqb, ev Íevqb I ZË veavb Ki e `jxq Av qi Drm m wó I ` ji wnmve wbkvk cwipvjbv Ki e eqi k l Avq-e qi wnmve wbkvk mvaviy mfvq Dc vcb Ki e Zv `i Kv Ri Rb ` ji wbku cöwzáve _vk e cö qvr b Riæwi mfv W K iæz c~y wm vší wb Z cvi e cwipvjbv KwgwUi Kv bv c` k~b n j ` ji m`m `i mv _ civgk µ g `jxq mfvi gva g Zv c~iy Ki e 5 wbe vnx/cwipvjbv KwgwUi wbe vpb cöwµqv mâq `j wbe vnx/cwipvjbv KwgwU m`m `i cöz fv Ui gva g wbe vpb Kiv n e G Z ` ji g a MYZvwš K PP vi g bvfve _vk e Ges wbe vwpz KwgwUi Dci mkj m` m i Av v I wek vm _vk e KwgwUi Kv bv c ` GKvwaK cöv_ x AvMÖnx n j m ÎI fv Ui e e v Ki Z n e wbe vnx/cwipvjbv KwgwU MV bi Î wb Pi welq jv we epbv Ki Z n et cwipvjbv KwgwU MV b cöwzeqi wbe vpb Kiv fv jv bzzb bz Z m wói Rb cöwzeqi KwgwU MV bi mgq ` ji bzzb m`m hv Z my hvm cvq mw` K Lqvj ivl Z n e KwgwUi gqv` kl niqvi cöv v j evwl K mvaviy mfvq bzzb KwgwU MVb Ki Z n e cwipvjbv KwgwU wbe vp bi mgq Aek B mâq ` ji mkj mvaviy m`m K Dcw Z _vk Z n e MvcbxqZv i v K i fvu MÖnY cöwµqv m cbœ Ki Z n e K) KwgwUi m`m c` evwzj/acmviy: mâqx ` ji cwipvjbv KwgwUi Kv bv m`m Zvi `vq-`vwqz cvjb Ki Z e _ n j ` ji m`m `i gzvg Zi wfwë Z Zv K c` _ K AcmviY Kiv hv e ` ji h Kvb m`m cwipvjbv KwgwUi h Kv bv `vwq Z wb qvwrz m` m i m`m c` evwz ji Av e`b Ki Z cv ib G Î fvu MÖnY Ki Z n e Ges 7
10 Kgc wzb fv Mi `yb fvm m` m i fv Ui cö qvrb n e fv Ui Rb MvcbxqZv i v Ki Z n e Ges fvu MÖnY cöwµqvwu ` ji mkj m` m i gva g MÖnY hvm n Z n e L) KwgwU evwzj wbe vnx/cwipvjbv KwgwU hw` `j cwipvjbv I bz Z w` Z e _ n q Q e j cözxqgvb nq, Zvn j D³ KwgwU gqv` DËxY niqvi Av MB ` ji m`m `i gzvg Zi wfwë Z evwzj Kiv hv e KwgwU evwzj Kivi ci cib wbe vpb K i bzzb KwgwU MVb Ki Z n e KwgwU evwzj I bzzb KwgwU MVb cöwµqvi mgq ` ji mkj m` m i ˆah kxj I Av vkxj n Z n e hv Z ` ji g a Kv bv ikg wek Ljv m wó bv nq ev ` ji Kvh µg e nz bv nq M) wbe vnx/cwipvjbv KwgwUi `vwqz I KZ e cwipvjbv KwgwUi wewfbœ c `i `vwqz I KZ e wb P D jøl Kiv n jvt mfvcwzi `vwqz I KZ e wbqwgz mfvq Dcw Z n q ` ji bxwzgvjv Abmy iyce~ K Av jvp mw~ P wbav iy K i mfv cwipvjbv Kiv mfvi Av jvpbvq ` ji m`m `i AskMÖnY wbwðz Kiv I wm vší MÖn Y ` ji gzvgz K iæz `Iqv ` ji wbqg k Ljv ervq ivlv I cö Z K m`m K `vwqz m c K m PZb Kiv, SMov weev` n j wggvsmv Kiv ` ji/msmv bi ^v_ mswkøó wel q vbxq wewfbœ mikvwi, emikvwi I e w³gvwjkvbvaxb mev`vbkvix cöwzôv bi mv _ hvmv hvm i v Kiv FY MÖnxZv FY mwvkfv e Kv R jvmv Z cvi Q wkbv Zv ch e Y Kiv Ges cö qvr b civgk `Iqv ` ji bw_cî I wnmve i Y mvaviy m cv`k I K vwkqvi K mnvqzv cö`vb Kiv mvaviy m cv` Ki `vwqz I KZ e mfvcwzi AbygwZµ g mfv Avnevb Kiv mfvi wm vší I Kg cwikíbv Kvh weeiwy LvZvq wjwce K i mfvi k l mkj K Zv AewnZ Kiv ` ji m`m `i Kv bv mgm v _vk j Zv Av jvpbvq G b mgvavb Kiv h Kv Ri Rb FY `Iqv n q Q, FY MÖnxZv mb Kv R Zv e envi Ki Q wk bv ch e Y Kiv K vwkqvi Gi Kvh µg ch e Y Ges wnmve msi Y mnvqzv Kiv evwl K mvaviy mfvq mevb K wemz eq i Kv Ri AMÖMwZ I cwikíbv m c K AewnZ Kiv AvMvgx eq ii KiYxq m ú K Lmov cwikíbv Dc vcb Kiv K vwkqv ii `vwqz I KZ e mkj cökvi jb `b hgb mâq msmön, g vwps dvû Ges FY Av`vb-cÖ`vb cöf wz KvR wbqg-bxwz Abymv i m cv`b Kiv mâq msmön Ges F Yi Z_ mevi cvk eb Z mwvkfv e wj L `Iqv Ges wba vwiz v b Abȳ ^vÿi cö`vb Kiv cöwz mfvq ` ji Avw_ K Ae vi weeiy gšwlkfv e Dc vcb Kiv 8
11 `jxq iwróvi I jrvi eb G Z_ msi Y Kiv KwgwUi m`m `i mnvqzvq e vswks Kvh µg m cv`b Kiv ` ji evwl K Avq-e q I jf vsk wnmve Kiv Ges m`m `i jf vsk cö`v bi e e v Kiv Kvh Kix m` m i `vwqz I KZ e mfvi wba vwiz w` bi c~ e mkj m`m `i mv _ hvmv hvm K i mfvi K_v iy Kwi q `Iqv mfvi vb I cö qvrbxq e e v wvk Av Q wk bv Zv wbwðz Kiv mfvcwz I mvaviy m cv`k K Kv R mnvqzv Kiv I Zv `i wb ` wkz KvR m cv`b Kiv Kv bv m`m mgm vq co j Zv mgvav bi Póv Kiv mvaviy m`m `i `vwqz I KZ e ` ji mfvq wbqwgz Dcw Z n q mfvi Kvh µ g AskMÖnY Kiv wbqwgz mâq, F Yi wkw Í I mevg~j cö`vb Kiv KwgwUi civgk Abyhvqx Drcv`bkxj Kvh µg MÖnY I ev Íevqb Kiv mâq/f Yi wkw Íi wnmve e w³mz cvk eb q wjwce KiY m c K wbwðz niqv cwipvjbv KwgwU K mnvqzv Kiv Ges Zv `i Kv Ri g~j vqb Kiv 6 ` ji mfv K) wbe vnx KwgwUi we epbv mv c cvw K ev gvwmk mfv Av qvrb Kiv n e L) mfvi aib: wzb ai bi mfv h_v- wbqwgz mfv, we kl mfv I evwl K mvaviy mfv AbywôZ n e 7 e vsk wnmve msµvší Kvh µg cwipvjbv ` ji Znwej h Kv bv Zdwmjx e vs K ` ji/mwgwzi bv g mâq wnmve Ly j Rgv ivl Z cvi eb cvkvcvwk wmgmwrõi m`m `i jb- `b I w wzi wnmve ivlvi D Ï k wmgmwrõi e vsk GKvD U Gi Rb GKwU LwZqvb eb e envi Ki Z n e wmgmwrõi Avw_ K jb ` bi ^ QZv Ges k sljvi Rb 2 Rb e w³i hš_ ^v ii gva g e vsk wnmve cwipvwjz n e h_vt K) cö_g ^v ikvix: Kg m~wp ev ÍevqbKvix ms vi GKRb cöwzwbwa, L) wøzxq ^v ikvix: wmgmwrõi mfvcwz ev mvaviy m úv`k ev wmgmwrõi K vwkqvi UvKv D Ëvj bi mgq ` ji/mwgwzi `yb-z Zxqvsk m` m i ^v i m ^wjz mfvi Kvh weeiyx Qvov GB wnmve _ K Kv bv A_ D Ëvjb Kiv hv e bv e vsk cvk eb me mgq nvjbvmv` ivl Z n e e vsk msµvší bw_cî ( PKeB, Rgv iwk`, cvkeb) wbivc` v b msi Y Ki Z n e Kv bv Ae v ZB Lvwj P K ^v i K i ivlv hv e bv KwgwU cwiez b n j ev e vsk ^v ikvix cwiez b Kivi cö qvrb n j ` ji mfvq iry jkb K i wba vwiz e vsk ^v ikvix Kv W bzzb ^v ikvixi bgybv ^v i w` q e vs K Rgv w` Z n e wbw` ó mgq AšÍi AšÍi (cöwz eqi Rvbyqvwi Ges Ryb gv m) ` ji e vsk GKvD Ui weeiyx msmön I msi Y Ki Z n e Ges evwl K mvaviy mfvq Zv Dc vcb Ki Z n e ` ji Znwej e vs K Rgv I D Ëvjb Ges wbqg-kvbyb cwipvjbv KwgwUmn mkj m`m `i AewnZ Ki Z n e 9
12 8 mâq K) mâ qi cwigvb wba viyt m`m `i mvg_ Abyhvqx `j gvwmk mâ qi cwigvy wba viy Ki e ` ji cö Z K m` m i wbqwgz mâ qi cwigvy GKB n e hgb- cö Z K m`m gvwmk mfvq 50 _ K 100 UvKv K i mâq Ki Z cv ib L) mâq MÖnYt mâq Rgv MÖnY Kivi ci K vwkqvi Rgvi cwigvy mswkøó m` m i cvk eb Z wjwce Ki eb, Zvici ZvwiLmn cvk eb Z ^v i Ki eb K vwkqvi D³ RgvK Z UvKvi cwigvy jrvi/lwzqvb eb Ges K vk/bm`vb eb Z Aek B wjwce Ki eb cö Z K m`m Zv `i ` ji K vwkqv ii KvQ _ K GKwU cvk eb msmön Ki eb K vwkqvi cvk eb Z RgvK Z mâ qi cwigvy wjwce K i ^v i Ki eb, Av`vq kx U Ges Av`vq iwróv i RgvKvix `i ^v i msmön Ki eb Ges RgvK Z mâ qi cwigvy I ZvwiL jrvi eb Z msi Y Ki eb mâq Av`v qi ciez x m e v P 3 (wzb) Kg w`e mi g a K vwkqvi Zv e vsk GKvD U Rgv Ki eb, e vs K UvKv Rgv `qvi iwk` msiÿy Ki eb Ges jrvi/lwzqvb eb G wjwce Ki eb cöwz eqi Qq gvm AšÍi AšÍi Rvbyqvwi Ges Ryb gv m mswkøó wmgmwrõi K vwkqvi m`m `i ikw ( iwróvi) Abymv i cvk eb wbixÿv Ki eb Ges ^v i Ki eb Iq vìwdkõgi mn hvmx ms vi gvv mnvqk GB cöwµqv cwiex Y Ki eb Ges mswkøó Ab vb Z_ vw` hvpvb Ki eb I cvkeb mz vwqz Ki eb cwipvjbv KwgwUi wm vší Abymv i m`m `i mâqk Z UvKv wmgmwrõi FY Kg m~wp Z Ab vb gybvdv AR bkvix Kvh µ g wewb qvm Ki Z n e cª Z K eq ii 30 k Ryb m`m `i mâ qi Dci wmgmwr e vsk cö`ë jf vsk cö`vb Ki e RyjvB gv mi g a m`m `i cvk eb q Zv `i jf vs ki UvKv wjwce Ki Z n e FY Kvh µg _ K AwR Z Avq A_ev e vs K Mw QZ UvKvi Av qi Dci wfwë K i m`m `i mâqk Z UvKvi Dci evwl K jf vs ki nvi wba viy Kiv h Z cv i M) mâq D Ëvjb h Kv bv m`m cwiev ii Riæwi Pvwn`v wguv bvi Rb Zvi mâqk Z UvKv D Ëvjb Ki Z cvi eb G Î F Yi mvwf m PvR Ges g vwps dv Ûi Aewkó (hw` _v K) cwigvy UvKv mgš^q K i KejgvÎ mâqk Z evkx UvKv D Ëvjb Ki Z cvi eb mâqk Z UvKv D Ëvj bi Rb m`m K mswkøó ` ji mfvcwz eivei GKwU Av e`bcî Rgv w` Z n e mvaviy m cv`k Ges K vwkqv ii Dcw wz Z wmgmwrõi mfvcwz Av e`bcî ch v jvpbv Ki eb mfvcwz KZ K Av e`bcî Aby gv` bi ciez x mvz w` bi g a K vwkqvi Av e`bkvix m`m K bm` ev P Ki gva g ikx`mn UvKv cö`vb Ki eb Ab w` K, hw` Kv bv m`m Zvi m`m c` _ K B Ídv `b ev c`z vm K ib, Zvn j c`z vmcî Rgv`v bi GKgvm ci wzwb Zvi mâ qi UvKv diz cv eb 10
13 hw` Kv bv m`m Zvi m`m c` _ K B Ídv `b ev c`z vm K ib, Zvn j wzwb mkj mâqk Z UvKv vqxfv e Zz j wb Z cvi eb Ges g vwps dv Ûi UvKv Kvbfv eb `vex Ki Z cvi eb bv G Î Zvi mgỳ q F Yi UvKv (hw` _v K) mâq D Ëvj bi mgq mgš^q Kiv n e hw` GKRb m`m hšw³k KviY Qvov 3 (wzb) gvm ev Zvi P q ewk mgq mâ qi UvKv Rgv bv `b Ges ` ji mfvq Abycw Z _v Kb, Zvn j wzwb S i cov m`m wn m e we ewpz n eb S i cov m` m i mâqk Z UvKv mfvq mkj m` m i gzvg Zi wfwë Z diz `qv h Z cv i hw` GKRb m`m wbqwgzfv e ` ji gvwmk mfvq AskMÖnY K ib wkš GKBfv e 3 (wzb) gvm ev Zvi P q ewk mgq a i gvwmk mâ qi UvKv Rgv bv K ib, Zvn j wzwbi S i cov m`m wn m e MY n eb hw` Kv bv m` m i g Zz nq, Zvn j wmgmwrõi wbqg Abymv i mswkøó m` m i bwgwb ev ea DËivwaKvix g Z m`m 'i mâqk Z Rgvi gvwjkvbv I Ab vb myweav fvm Ki Z cvi eb Ges mb cwiev i eq ii g a Kv bv bvix m`m _vk j wzwb g Z m`m 'i cwie Z bzzb m`m wn m e we ewpz n Z cvi eb 9 g vwps dvû/m c~ik Znwej m`m `i gvu mâq 25,000 UvKv Rgv niqvi ci cökí Abỳ vb wn m e D³ KwgDwbwU mâqx `j K GKKvjxb 25,000 UvKv cö`vb Kiv n e GB Abỳ vb ` ji m`m `i m c~ik Znwej/g vwps dvû wn m e `Iqv n e hv Zuviv GKK ev `jxqfv e wekí Avqea K Kvh µg cwipvjbvi Kv R wewb qvm Ki Z cvi eb KwgDwbwU mâqx ` ji GKvD U cökí Abỳ vb cö`v bi c~ e KwgDwbwU mâqx `j, Iqvì wdk Ges Gi ev ÍevqbKvix ms vi mv _ GKwU wî-cÿxq Pzw³ m úv`b Kiv n e Pzw³ Z GB Znwej e e vcbvi mkj c ÿi `vwqz Ges f~wgkv jv my-wbw` ó Kiv _vk e vbxq mikvi I grm Awa`ß ii cöwzwbwai Dcw wz Z wmgmwrõ Z Aby gvw`z g vwps dvû/m ú~ik Znwej cö`vb wbwðz Ki Z n e GKwU wîcÿxq Pzw³i bgybv ms hvrbx-2 G Dc vcb Kiv n q Q 10 mâqx ` ji FY Kg m~wp K) FY cö`vb m`m `i mâq Ges g vwps dv Ûi RgvK Z UvKvi wfwë Z wmgmwr m`m `i Rb Dchy³ wekí Avqea K Kvh µg (GAvBwRG) Gi Rb FY Kvh µg cwipvjbv Ki e FY c Z n j FY cöv_ x K Aek B ` ji m`m n Z n e Ges gvwmk mfvq Kgc 80% Dcw wz Ges 100% mâ qi wkw Í cwi kva _vk Z n e Ges cö ÍvweZ wewb qv Mi/e emvwqk cwikíbv Aek B KŠkjMZfv e Dchy³, Avw_ Kfv e ev Íem Z, mvgvwrkfv e MÖnY hvm Ges cwi ek m Z n Z n e FY MÖnxZvi FY cvk eb Ges mâq eb Aek B nvjbvmv` ivl Z n e Aek B wmgmwrõi wbqg Kvby bi mv _ m c ³ n Z n e Ges c~e ez x FY Ljvcx niqv hv ebv FY e U bi Î me v cÿv `wi`ª m`m `i AwaK iæz `qv n e Ges F Yi ÿ Î Ab vb gšwjk ˆewkó c~iy Kivi Rb Aek B mâqx ` ji (wmgmwrõi) m`m n Z n e Ges FYcÖvß UvKv Ab KvD K n ÍvšÍi bv K i wb R wewb qvm Ki Z n e hw` Znwej Ach vß nq m Î ^í gqv`x Avqea K Kvh µg (GAvBwRG) Gi Ici iæz `qv n e hv Z wba vwiz ^í Znwej e envi K i ekx msl K m`m K ^í mg q diz`vb cöwµqvq FY 11
14 `qv hvq mvaviyfv e wekí Avqea K Kvh µ gi Î hlv b Aí g~jab, Kg SzuwK Ges ewk gybvdvi my hvm Av Q mme ÿ Îi Ici iæz `qv n e hviv c~ e FY MÖnY K i bvb, ch vqµ g mme m`m `i cövavb `qv n e mv _ mv _ ciez x F Yi ÿ Î hviv c~e ez x FY mgqgz Ges m c~y fv e cwi kva K i Q Zv `i K cövavb `qv n e wmgmwrõi mkj m`m FY mn hvwmzv cviqvi ci Znwej _vkv mv c ÿ mvaviy mfvq m`m `i AbygwZ wb q wmgmwrõi AvIZvaxb MÖv gi Ab vb Bwjk msiÿy ` ji m`m `i K Znwej n Z wba vwiz mvwf m Pv R i wfwë Z FY `qv hv e F Yi m e v P gqv` n e 10 gvm Ges ^í gqv `i F Yi Ici cövavb `qv n e F Yi m e v P cwigvy KZ n e Zv wbf i Ki e wekí Avqea bkvix Kvh µ gi Ici Znwej Gi cwigvy, FY Av e`bkvixi GKK mâq, FY Av e`bkvixi msl v Ges wekí RxweKv Kvh µg cwipvjbvi Rb cö qvrbxq UvKvi cwigvy we epbv K i wmgmwr F Yi cwigvy wba viy Ki e G ÿ Î m` m i mvwe K Kj vy I gzvg Zi Dci kö vkxj _ K Kvh wbe vnx KwgwU wm vší MÖnY Ki e Z e m e v P msl K Av e`bkvix K mnvqzv cö`v bi ^v _ Aí wewb qvm hvm Kvh µg K AMÖvwaKvi `qv n e 1g av c ÿz`ª e emvi ( hgb Miæ cvjb, QvMj cvjb, nuvm-gyiwm cvjb, gyw` e emv, mewrpvl BZ vw`) Rb 3,000 _ K 5,000 UvKv wba viy Kiv h Z cv i wøzxq av c, F Yi A_ Av`vq I Znwej w wzi Dci wfwë K i AvbycvwZKnv i F Yi cwigvy evov bv h Z cv i, hgb ÿz`ª e emv I `jxq e emvi Rb 10,000 _ K 20,000 UvKv ch ší FY cö`vb Kiv h Z cv i FY MÖnxZviv Zv `i M nxz F Yi Rb 5-10% mvwf m PvR cö`vb Ki eb hv wmgmwrõi FY Kvh µg cwipvjbv I e e vcbv LiP enb Ges m`m `i mâ qi Dci 5% jf vsk cö`v b mnvqk n e wmgmwrõi evwl K mvaviy mfvi wm v šíi wfwë Z cö qvr b mvwf m Pv R i nvi c~ytwba viy Kiv n e L) FY Kvh µg e e vcbv wmgmwrõi cwipvjbv/wbe vnx KwgwU FY Kg m~wpi FY cö`vb I Av`vq Kvh µg m cv`b Ges FY my hvm e w i Rb 3 ev 5 m`m wewkó wb èiƒc FY g~j vqb KwgwU MVb Ki e - wmgmwrõi K vwkqvi (Kb fbi) - wmgmwrõi wbe vnx KwgwUi m`m (2 Rb) - GKRb wmgmwrõi AwfÁ mvaviy m`m - mswkøó cökí Kgx cwipvjbv KwgwU cö qvr b AwfÁ m`m `i wb q c _K FY g~j vqb KwgwUI MVb Ki Z cvi eb FY g~j vqb KwgwU wb œewy Z welqmg~n we epbv K i FY cö Íve cix v wbix v Ki e: - Pvwn`v/Drcvw`Z `ª e i evrvi - KvuPvgv ji AvÂwjK mnr cövc Zv/AvBwRGÕi g~ja bi wewb qvm - AvBwRG cixwÿz wkbv ev Gi Rb KvwiMwi mev MÖn Yi mnrjf Zv - FYMÖnxZvi cö qvrbxq ` Zv I AwfÁZv - AvBwRG cök íi D Ï k i m ½ m½wzc~y wkbv - FY MÖwnZvi we` gvb m ú` I A_ AvBwRGi Rb mvnvh Kvix Aej ^b wkbv 12
15 - evrmwik Avq I e q - cök íi g a hw` FY `vqe Zv _v K Zvn j wmgmwr FY g~j vqb, eivï weziy Ges F Yi cwigvy wba viy c~e K Av e`bkvix K cö`vb Ki e wmgmwrõi wbe vnx /cwipvjbv KwgwU FY Kvh µg myôfv e ev Íevq bi Rb 3-5 m`m wewkó Dc `óv KwgwU MVb Ki e hvi D Ïk n e FY Kg m~wpi mvwe K `Lvïbv Kiv Ges Ø Ø wbimb Kiv Dc `óv KwgwUi MVb n e wb èiƒc: K) mswkøó MÖv gi Bwjk msiÿy ` ji mfvcwz (2-4 Rb) L) Iqvì wdk Gi mn hvmx ms vi GjvKv mgš^qkvix wbku evwywr K e vsk wnmv ei gva g FY Kvh µg (weziy Ges Av`vq) cwipvjbv Kiv n e wmgmwrõi mvsmvwbk kw³, A_ e e vcbvi mvg_ Ges ` ji mykvmb BZ vw` we epbvq ^v i`vbkvix cöz vnvi Kivi civgk bv `qv ch ší wmgmwrõi mfvcwz Ges K vwkqvi/m úv`k Gi cvkvcvwk Iqvì wdkõgi mn hvmx ms vi GKRb `vwqz cövß Kg x K wmgmwr GKvD U Gi ^v i`vbkvix (eva Zvg~jK) Kiv n e Ges eva Zvg~jK ^v i`vbkvixi ^v i Qvov Kv bv e vsk jb- `b cwipvjbv Kiv hv e bv M) FY Aby gv`b cöwµqv FY MÖnY Ki Z AvMÖnx wmgmwrõi m`m K wba vwiz di g (ms hvrbx-4) e emvwqk cwikíbv mshy³ K i wmgmwr mfvcwz eivei Av e`b Ki Z n e FY cöv_ x K wmgmwrõi Kv Q M vivw Ui Rb Kv bv UvKv Rgv `qvi cö qvrb n ebv Z e ` ji Ab `ybrb m`m K mswkó m`m F Yi UvKv h_v mg q cwi kva Ki eb G g g wjwlz (FY Av e`b c Îi wbw` ó v b ^v i) wr v`vi n Z n e cöv_ xi mâq Ges FY cvk eb nvjbvmv` _vk Z n e Ges c~e ez x FY Gi wkw Ímn (hw` _v K) me evwk UvKv wmgmwrõi Kv Q cwi kva _vk Z n e wmgmwrõi gvwmk/we kl mfvq mfvcwz F Yi Rb Av e`bcî Dc vcb Ki eb Zvici mfvi wm vší Abymv i wmgmwrõi wbev nx KwgwU FY g~j vqb KwgwUi AvnŸvqK Gi Kv Q Av e`bcî (e emvi cwikíbvmn) cvwv q w` e FY g~j vqb KwgwU 3 (wzb) w` bi g a Av e`bcî Ges e emvi cwikíbv hvpvb Ki e I FY cö`v bi Rb mycvwik K i Av e`bcî wbev nx KwgwUi wbku Rgv w` e FY g~j vqb KwgwUi mycvwik Abyhvqx wmgmwrõi wbe vnx KwgwU Aby gv`bk Z FY Aby gv`b ciez x 05 Kg w`e mi g a P Ki gva g cö`vb Ki e vbxq mikvi I grm Awa`ß ii cöwzwbwai Dcw wz Z Aby gv`bk Z FY weziy wbwðz Kiv h Z cv i FY MÖnxZv ev Zvi g bvbxz cöwzwbwa iwk ` mb ev e vs wji Qvc w` q wmgmwrõi K vwkqv ii KvQ _ K PK MÖnY Ki eb Ges njdbvgv ev A½xKvibvgv Z (mshyw³-7) ^vÿi ev e vs wji Qvc _vk e hlv b F Yi cwigvy, cwi kv ai m~wp (wmwwdj), kz Ges FY MÖnxZv I wr v`vi `i bvg I wvkvbv _vk e 13
16 K vwkqvi F Yi Rb Av e`bcî Ges Aby gv`bk Z Av e`bc Îi mv _ m ú ³ me ai bi Z_ vw` wbivcëvi mv _ cö Z K FY Av e`bkvixi bv g c _K c _K bw_ msiÿy Ki eb ZvQvovI mkj FY Av`vb cö`vb, wkw Í cwi kva BZ vw`i ikw cî mgqgz I wbqwgz msiÿy Ki Z n e (Aby gv`bk Z F Yi cögvy, njdbvgv/a½xkvibvgv, LwZqvb eb, PK Bmÿ iwr vi BZ vw`) N) FY Av`vq cöwµqv FY Av`v qi mgqm~wp wbf i Ki e h ai bi wekí Avqea K Kv Ri Rb FY `qv n q Q Zvi Dci mvaviyfv e, F Yi wkw Í gvwmk/cvw K wfwë Z Av`vq Kiv n e Z e cö_g wkw Íi Av M Avqea K Kv Ri aib Abyhvqx wkqz mgq `qv n e m Î Fb wezi bi 1 gvm ci 1g wkw Í ïiæ n e Z e cökí Abyhvqx F Yi MÖm wcwiqw wewfbœ ikg n Z cv i hgb mvßvwnk/ cvw K/ gvwmk/ lvb vwmk F Yi Pzw³ Z D jwlz mgqm~wp gvzv ek FYMÖnxZv FY cwi kva Ki e FY MÖnxZv mswkøó ` ji K vwkqv ii Kv Q wkw Í cwi kva Ki eb Ges K vwkqvi Zvi cvk eb q UvKvi cwigvy wjwce Ki eb I ^vÿi Ki eb hw` FY myweav MÖnYKvix F Yi UvKv e envi Ki Z AcviM nq ev e emvwqk cwikíbvq D jøwlz Kvh µ g UvKv wewb qvm Ki Z AcviM nq, m Î mswkøó m`m Ges Zvi mv xmy Revew`wn Ki eb hw` FY myweav MÖnYKvix wba vwiz gqv `i g a F Yi wkw Í cwi kva Ki Z bv cv i ZLb Zv K mywbw` ófv e wkw Í cwi kv ai ZvwiL D jøl K i F Yi wkw Í cwi kv ai mgq evov bvi Rb wmgmwrõi mfvcwzi eive i Aby ivac~e K Av e`b Ki Z n e hw` Av e`bcî wmgmwrõi mfvcwz KZ K Aby gv`b bv cvq Ges FY MÖnYKvix F Yi wkw Í wba vwiz mg qi g a cwi kva Ki Z bv cv i Z e D³ m`m FY Ljvcx wn m e wpwýz n e wmgmwrõi K vwkqvi Av`vqK Z wkw Í (cwi kvak Z FY) GKvD U (e vs K) Av`v qi 3 (wzb) Kvh w`e mi g a Rgv Ki eb Ges FY Av`v qi mkj bw_cî nvjbvmv` Ki eb ` ji Kv bv m`m hw` FY cwi kva Ki Z bv cv ib ev 3 gvm hver gvwmk mâq Rgv bv K ib, Zvn j GK gvm mgq w` q mkj e Kqv FY I mâ qi UvKv GKmv _ cwi kva Kivi Rb bvwuk `qv n e whwb D³ mg qi g a mkj e Kqv UvKv cwi kva Ki Z Aÿg n eb Zvi mâq _ K e Kqv UvKv mgš^q Kiv n e hw` Zvi mâ qi UvKv e Kqv UvKvi P q Kg nq Zvn j D³ FYMÖnxZvi wr v`vi `i mâq _ K Zvi e Kqv UvKv mgš^q Kiv n e O) Ø Ø wbimb cöwµqv wmgmwrõi Kv bv m`m Zvi mâq ev F Yi wkw Í cwi kv ai e vcv i Kv bv iƒc Awf hvm DÌvcb Ki j wzwb wbe vnx KwgwU eivei Awf hvm `v qi Ki Z cvi eb Ges wbe vnx KwgwU GB wel q D³ m`m Ges Ab vb mswkøó e vw³e M i mv _ Av jvpbv Ki e Ges wmgmwrõi bxwzgvjv I wbqg-kvbyb Abymv i D³ Ø Ø wbimb Ki e hw` wmgmwrõi wbe vnx KwgwU Kv bv m`m i Kv bv Ø Øi MÖnY hvm mgvavb Ki Z AcviM nq, Zvn j welqwu mgvav bi Rb wmgmwrõi Dc `ôv KwgwU eivei ck Ki Z n e Ges D³ Ø Ø wel q Dc `ôv KwgwUi wm vší PzovšÍ e j MY n e 14
17 ms hvrbx-2 Gbn výw& Kv vj wdkvwir Bb evsjv `k (B Kvwdk-evsjv `k) cök íi Bwjk-wbf i ` ji grm Rxex cwiev ii m`m `i wb q MwVZ grm Rxex gwnjv Kj vy mwgwzi N~Yv qgvb mâq I FY Znwej e e vcbvi Rb cökí KZ K cö`ë g vwps dv Û A_ vq bi wîc xq Pyw³ Pyw³cÎ A`... Zvwi L... ( v b) wb P D jøwlz wzb c i g a g vwps dv Ûi A_ vqb Pzw³ ^v wiz nj: 1 Iqvì wdk-evsjv `k, evox bs-22 we, ivw bs-7, eøk-gd, ebvbx, XvKv-1213 (1g c ) grm Rxex gwnjv Kj vy mwgwz, BDwbqb , Dc Rjv , Rjv (2q c ) 3 B Kvwdk ev ÍevqbKvix ms v (wmgbavigm/ Kv WK/ Kvó Uªvó) (3q c ) MYcÖRvZš x evsjv `k mikv ii grm I cövwym ú` gš Yvj qi AvIZvaxb grm Awa`ßi ÒGbn výw& Kv vj wdkvwir Bb evsjv `k (B Kvwdk-evsjv `k)ó cökíwu ev Íevq bi D ` vm wb q Q cökíwui A_ vqb Ki Q BDGmGAvBwW Ges ev Íevq b wb qvwrz Av Q Iqvì wdk Ges grm Awa`ßi gvv ch v q cökíwui ev Íevqb Ki Q RvZxq ch v qi emikvwi ms v wmgbavigm, Kv WK I Kvó Uªvó cök íi bvbv Kg Kv Ûi g a Ab Zg GKwU n Q Bwjk m ú `i Dci wbf ikxj grm Rxex cwiev ii Rb wekí Kg ms v bi my hvm m wó Kiv Ges grm Rxex cwiev ii bvix m` m i Av_- mvgvwrk Ae vi Dbœqb NUv bv G j ÿ B Kvwdk-evsjv `k cökíwu `wi`ª grm Rxex cwiev ii gwnjv `i wb q cökíf~³ cöwzwu MÖv g KwgDwbwU mâqx `j (wmgmwr) MVb K i Q GZØviv, 1g c ÿi m wzµ g 3q cÿ, 2q c K Abỳ vb ^iƒc ÒGbn vý&w Kvóvj wdkvwir Bb evsjv `k (B Kvwdk- evsjv `k) cökíó n Z KwgDwbwU mâqx `j (wmgmwr) Gi RgvK Z mâ qi cwigvy 25000/= UvKv (K_vqt cuwpk nvrvi UvKv gvî) niqv mv c ÿ g vwps dvû wnmv e 25000/= UvKv (K_vqt cuwpk nvrvi UvKv gvî) cö`v b m wz Ávcb Ki Q Ges 2q c mb Abỳ vb wb gœv³ kz vejx Abymv i e envi I cwipvjbvq m wz Ávcb Ki Q t 1 1g cÿ mnvqzv wn m e 2q cÿ K 3q c ÿi gva g N~Y vqgvy mâq I FY Znwej eve` GB Abỳ vb w` e wb œwjwlz wbqgvejx I kz vw` mv c ÿ, 2q cÿ D³ Znwe ji mgỳ q A _ i (1g cÿ n Z cövß Abỳ vbmn) wbi¼zk I vqx gvwjkvbv cövß n e 2 2q c, 1g c n Z cªvß Abỳ vb 1g cÿ Øviv Aby gvw`z bxwzgvjv Abymv i e envi I cwipvjbv Ki e 3 cövß Abỳ vb, 2q c K bxwzgvjvq D jøwlz wbwl Kg Kv Ûi ZvwjKv ewnf~ Z KejgvÎ wekí Avqea K Kvh µ gi D Ï k `qv n e 15
18 4 D³ Abỳ vb 2q c i evsjv `k mikvi KZ K Aby gvw`z GKwU wbw` ó Ôe vsk wnmveõ _ K cwipvjbv Ki Z n e Abỳ v bi 25,000/= UvKv (K_vqt cuwpk nvrvi UvKv gvî) 1g cÿ 3q c ÿi gva g 2q c ÿi e vsk wnmv e cö`vb Ki e 5 3q c i (B Kvwdk-evsjv `k cökí, Iqvì wdk evsjv ` ki Askx`vi ms v wmgbavigm/ Kv WK/ Kvó Uªvó) 1Rb g bvbxz cöwzwbwa 2q c i e vsk wnmv ei eva Zvg~jK ^v ikvix wn m e KvR Ki eb 6 1g c 2q cÿ I 3q c ÿi gva g g vwps dvû/m ú~ik Znwej Ges FY cö`v bi ÿ Î Aek B vbxq mikvi I grm Awa`ß ii cöwzwbwai Dcw wz Z Znwej I FY cö`vb wbwðz Ki e 7 2q c, 3q c ÿi mnvqzvq h_vh_fv e mkj cªkvi Avw_ K jb ` bi wnmve msi Y Ki e Ges Gi wnmve GKwU wbeübfz³ AwWU ms v Øviv cöwzeqi wbix v Kiv e A_ev 3q c K cªwz A_ eq ii k l Abyiƒc wbix vi AbygwZ w` e 8 2q c cök íi c~y gqv`kv j 1g cÿ I 3q cÿ Ges ciez x Z vbxq grm Awa`ß ii wbku cªwz wzb gv mi k l ciez x 15 w` bi g a mâq I FY msµvší ˆÎgvwmK Avw_ K cªwz e`b Rgv w` e 9 1g c I 3q cÿ grm Awa`ß ii mvwe K mn hvwmzvq, 2q c i Awdm Ges Ab vb Kvh µg wbqwgzfv e cwi`k b Ki e mb mv _ Gi Abỳ v b cwipvwjz wekí Avqe w g~jk Kg KvÛ cwi`k b, mâq wnmve I Gi mv _ RwoZ Ab vb `wjjcî wbqwgzfv e cwiex Y Ki e cök íi gqv` k l grm Awa`ßi GB msµvší Kvh vejx Ae vnz ivl e 10 1g c I 3q cÿ, 2q c i mâq I FY wnmv ei Dci h Kv bv mgq we kl cwiex Y Kivi AwaKvi iv L Ges GB AwaKvi cökí PjvKvjxb ch ší Kvh Ki _vk e 11 Kv bvµ g wbix vi mgq hw` Kvb ai bi Avw_ K Am½wZ kbv³ nq, Z e 1g c I 3q cÿ 2q c i mv _ Kiv Pzw³i gqv` c~y nevi c~ e B Pzw³ evwzj Kivi AwaKvi iv L Ges G Î 2q c 1g cÿ A_ev 3q c K cªkí Abỳ v bi mg Í A_ diz w` Z eva _vk e 12 2q c I Pyw³i gqv` c~y nevi c~ e, 1g I 3q c i mv _ mn hvwmzv I Pzw³ evwz ji AwaKvi iv L GB ÿ Î Pzw³ evwz ji 2 gv mi g a Zviv (2q c ) 1g c K Pzw³ gvzv ek Znwej _ K M nxz cökí Abỳ v bi mgỳ q A_ diz w` Z eva _vk e 13 GB Pzw³ mkj c i cªwzwbwa `i ^v ii w`b _ K Kvh Ki n e Ges cªkíkvjxb mgq ch ší ˆea _vk e 16
19 Iqvì wdk-evsjv `k Gi grm Rxex gwnjv Kj vy ev ÍevqbKvix ms v c : mwgwzi c : wmgbavigm/ Kv WK/ Kvó Uªvó c : ^v i : ^v i : ^v i : bvg : bvg : bvg : c`ex : mfvcwz c`ex : cö R± Kv-AwW bui/ wdì c`ex: nw Ae wdb vý GÛ Kv-AwW bui Acv ikb/wug wjwvi/ RÛvi ckvwjó/ wimvp G mvwm qu ZvwiL : ZvwiL : ZvwiL: mvÿx-1: (grm Rxex gwnjv Kj vy mwgwzi c )t mvÿx-2:( vbxq mikvi cöwzwbwa)t ^v i : ^v i : bvg : bvg : c`ex : m úv`k/ K vwkqvi c`ex: BDwbqb cwil` Pqvig vb/ g ^vi ZvwiL : ZvwiL: cöwz ^v ikvix: (grm Awa`ßi cöwzwbwa) ^v i : bvg : c`ex: Rjv grm Kg KZ v / D Zb Dc Rjv grm Kg KZ v /Dc Rjv grm Kg KZ v ZvwiL : 17
20 ms hvrbx-3 mâq I FY mn hvwmzvi Rb wbwl (Abychy³) Kvh µ gi ZvwjKv 1. `j ewn fzz Kv bv e w³ K FY `qv hv e bv 2. bkv `ª e i e emv ev me bi Rb FY `qv hv e bv 3. Ryqv Ljv ev AmvgvwRK Kv Ri Rb FY `qv hv e bv 4. Kv i U ev wbwl Rvj µq ev ˆZixi Rb FY `qv hv e bv 5. b`x _ K RvUKv a i wewµ Kivi e emvi Rb FY `qv hv e bv 6. hšzzk `qvi Rb FY `qv hv e bv 7. cöpwjz AvB b Ab vb wbwl Kv bv Kv R FY `qv hv e bv 8. Ab h Kv bv Kvh µg hv evsjv ` ki AvBbvbymv i wbwl ev evsjv `k mikvi KZ K Abyt ^vÿwiz AvšÍR vwzk Kb fkb Abymv i wbwl 18
21 eivei, mfvcwz ms hvrbx-4 FY Av e`b dig grm Rxex gwnjv Kj vy mwgwz MÖvg : BDwbqb : Dc Rjv : Rjv : Rbve, Avwg wb è ^v ikvix Rbvev , ^vgx/wczv: , m`m bs lvbv bs aî Av e` bi mv _ mshy³ Avqea K Kvh µg/e emvq wewb qv Mi wbwg Ë UvKv (K_vq: ) F Yi Rb Av e`b KiwQ Avwg wmgmwrõi bxwz Ges e emvwqk cwikíbvq h m~wp `qv Av Q mb Abymv i FY cwi kv ai Rb kc_ KiwQ wmgmwri bxwz Abymv i wekí RxweKvqb Kg Kv Û Avgvi F Yi UvKvi mwvk e envi Ki ev ^vÿit ZvwiLt wr v`vbkvixm Yi kc_bvgv Avgiv, wb è ^v ikvixøq grm Rxex gwnjv Kj vy mwgwzi m`m Rbvev Gi cö ÍvweZ FY Aby gv` bi Rb mycvwik KiwQ Ges hw` D³ m`m FY cwi kva Ki Z Aÿg nq Zvn j D³ m`m i Abv`vqx UvKvi mgcwigvy A_ ` j Avgv `i wbr ^ RgvK Z mâq n Z mgš^q Kivi Rb wmgmwr K AbygwZ cö`vb KiwQ wr v`vbkvix-1 ^v i bvg m`m bs c`ex wvkvbv wr v`vbkvix-2 ^v i bvg m`m bs c`ex wvkvbv FY g~j vqb KwgwUi Avnevq Ki ^v imn gšíe wmgmwrõi mvaviy m cv` Ki ^v imn gšíe wmgmwrõi mfvcwzi ^v imn gšíe mn hvmx ms vi gvv Kg xi ^v imn gšíe 19
22 ms hvrbx -5 GAvBwRG/e emvwqk cwikíbvi bgybv Rbve: m`m bs lvbv bs wvkvbv: ïiæi g~jab (UvKv) AbygvbK Z cök Z Avq GAvBwRG/e emvi ey bv wbr ^ AviGmGjGd (UvKv) g~jab GAvBwRG/e emvi bvg/aib e emvi j/cwigvc (GjvKv, Drcv`b j gvîv BZ vw`) cö qvrbxq DcKiY - Rwg - DcKiY K) L) M) N) O) - UvKv gqv`kvj/aekvkkvjxb mgq gvm 1: gvm 2: gvm 3: gvm 4: gvm 5: gvm 6: gvm 7: gvm 8: gvm 9: gvm 10: gvm 11: gvm 12: gvu: m ve cwi kva m~wp AvbygvwbK Drcv`b/ diz K) L) M) (cwigvy g~j ) ^v i/wucmb: gšíe /mycvwik: 20 ZvwiL:
23 ms hvrbx-6 wmgmwrõi mâq Ges FY Kg m~wpi Rb LwZqvb eb Gi bg~bv wmgmwrõi bvg: grm Rxex gwnjv Kj vy mwgwz MÖvg: BDwbqb: Dc Rjv: Rjv: LwZqvb eb wnmv ei bvg: wnmv ei bvg: ZvwiL weeiy cîvsk LiP Rgv Aewkó UvKv c. UvKv c. UvKv c. ZvwiL weeiy cîvsk LiP Rgv Aewkó UvKv c. UvKv c. UvKv c. gvu gvu 21
24 ms hvrbx -7 F Yi njdbvgv/ A½xKvibvgv GB GKc xq Pzw³cÎwU / / Bs Zvwi L ^v wiz nq A½xKviKvix, Rbvev: , Gi x/kb v, MÖvg: , WvKNi: , BDwbqb: , Dc Rjv: , Rjv: , RvZxq cwipqcî bs: (1g c ) cöwz, 1g c i mfvcwz, grm Rxex gwnjv Kj vy mwgwz, MÖvg: , WvKNi: , BDwbqb: , Dc Rjv: , Rjv: (2q c ) hlv b 1. Avwg (1g c ) GKRb grm Rxex gwnjv Kj vy mwgwzi m`m ; Ges 2. Avwg 2q c i AskMÖnYg~jK N~Y vqgvb mâq I FY Znwej _ K Avgvi FY Av e` b cö ÍvweZ wekí Avqea K Kvh µ g wewb qv Mi Rb UvKv (As K) (K_vq: UvKv gvî) FY wb qwq; Ges 3. Avwg 1g c, mâq Ges FY bxwzgvjv Abymv i wmgmwrõi FY `qvi wb èv³ kz Ges wbqgmg~n Avgv K hfv e e vl v Kiv n q Q Zv eys Z c iwq I Zv Z m Z n qwq AZGe, GB Pzw³ I mv xe ` wb èiƒc: Avwg Rbve/Rbvev wb èv³ mvÿx I Avgvi wr v`vi `i m y L AÎ njdbvgvq/ A½xKvibvgvq Avgvi bvgmn ^vÿi /wucmwn w` q wb Pi kz mg~n g b Pjvi Iqv`v KiwQ 1. Avwg Avgvi F Yi UvKv ïaygvî FY Av e` bi mv _ mshy³ e emvwqk cwikíbvq D jøwlz wekí Avqea K Kvh µ g ev e emvi Rb e envi Kie 2. Avwg FY MÖn Yi w`b/gvm AwZevwnZ niqvi ci _ K M nxz FY ev g~j UvKvi Dci ---- (%) mvwf m PvR mn gvwmk (As K) UvKv (K_vq ) UvKv nv i m e v P gv mi g a me gvu (As K) UvKv (K_vq ) UvKv cwi kva Kie 3. hw` Kvb Î Avwg wbw` ó mg qi g a FY cwi kva Ki Z bv cvwi Z e 2q c Avgvi Ges Avgvi wr v`vbkvixi gva g 2q c i Kv Q iwÿz mâ qi UvKv n Z Avgvi F Yi UvKv Av`vq Kivi gzv iv L 4. hw` Kvb Î Avwg F Yi UvKv FY Avv e` bi mv _ mshy³ e emvwqk cwikíbvq D jøwlz Kv R e envi bv Kwi A_ev Ab Kvb Kv R e envi Kwi Zvn j F Yi UvKvi mgỳ q mỳ mn m ú~y UvKv 2q c ÿi `qv GKgv mi g a diz w` Z eva _vwke FY MÖnxZvi ^vÿi/wucmb: mfvcwzi ^vÿi t mv x-1 mv x-2 ^vÿi : ^vÿi : bvg : bvg : wczv/ ^vgxi bvg : wczv/ ^vgxi bvg : MÖvg : MÖvg : BDwbqb : BDwbqb : Dc Rjv : Dc Rjv : Rjv : Rjv : RvZxq cwipqcî bs RvZxq cwipqcî bs
25 ms hvrbx-8 wmgmwrõi mâq Ges FY Kg m~wpi Rb bm`vb ewni bgybv/ Ug cøu bm`vb ewn Rgv gvm e q ZvwiL iwk` bs weeib cîvsk bm` e vsk gvu UvKv ZvwiL iwk` bs weeib cîvsk bm` e vsk gvu UvKv UvKv ct UvKv ct UvKv ct UvKv ct UvKv ct UvKv ct ms hvrbx-9 PK Bm y iwr v ii bgybv/ Ug cøu wmgmwrõi bvg: grm Rxex gwnjv Kj vy mwgwz MÖvg: BDwbqb: Dc Rjv: Rjv: µwgk cö wzi PK P Ki MÖnbKvixi bvg P Ki UvKvi mb PK Rgvi gšíe bs ZvwiL bs weeiy aib cwigvy ZvwiL/ vb ev ÍevqbKvix ms vi mfvcwz/ mvaviy (wmgbavigm/ Kv WK/ Kvó m úv`k/ K vwkqvi Uªvó) cöwzwbwa 23
26 ms hvrbx - 10 mâqx ` ji cöwz e`b dig wmgmwrõi bvg: grm Rxex gwnjv Kj vy mwgwz MÖvg: BDwbqb: Dc Rjv: Rjv: cöwz e`b Rgv`v bi mgqt AskMÖnYg~jK mâq/g vwps dvû ïiæi ZvwiL ZvwiL ch ší mâq / g vwps dvû Gi cwigvy (UvKv) K) AskMÖnYKvixi mâq L) cökí _ K Abỳ vb M) mvwf m PvR /mỳ (e vsk mỳ mn) _ K Avq cökí AskMÖnbKvixi msl v (cwievi) FY MÖnYKvix AskMÖnYKvixi msl v 31 ww m ^i 2016 ch ší weziyk Z gvu F Yi cwigvy (UvKv) mvwf m PvR (nvi)... ch ší e Kqv F bi cwigvb 31 ww m ^i 2016 ch ší Av`v qi nvi K) m~wp Abymv i FY MÖnbKvixi F Yi wkw Í cwi kva Gi kzkiv nvi (%) L) AvswkK FYx (wwdëvi) (%) M) m c~y FYx (wwdëvi) (%) 31 ww m ^i 2016 ch ší gvu F Yi cwigvy (UvKv) e vs K Rgvi cwigvy (cökí Abỳ vb I AskMÖnYKvixi mâq) (UvKv) nv Z bm` hgb - wbe vnx KwgwUi nv Z bm` (UvKv) g vwps dvû/znwej _ K vqx e q/lip AR b (cwipvjbv e q) cö ZKvixi ^v i hvpvbkvixi ^v i Aby gv`bkvixi ^v i K vwkqvi gvv Kg x mfvcwz grm Rxex B Kvwdk grm Rxex gwnjv Kj vy mwgwz ZvwiL: gwnjv Kj vy mwgwz ZvwiL: ZvwiL: 24
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