^drk HLM
N. @hth `hj Ldtk`hlphstkhj
8. @hth `hj Rdprdsdjthskjyh
Lgmpdtdjsk yhjo `kulur 5
Mdjdjtulhj `hj mdjooujhlhj ulurhj pdjydbhrhj `hth (ehjolhuhj, skmphjohj, `hj vhrkhjsk).
(8; ^ghi)
8
8.
Qkikfhj Ohj`h Lgmpidls
DMH^ = KJSD^PH^K [HJO
[H JO MDJOTJPTJOLHJ7
Kjvdsthsk h`hihf pdjhjhmhj mg`hi ujtul shtu hthu idbkf hltkvh yhjo `kmkiklk `hj bk
bkhshjyh
hshjyh bdrehjolh
whltu ihmh `djohj fhrhphj mdj`hphtlhj rdturj `k mhsh yhjo hlhj `hthjo. Ldputushj pdjhjhmhj
mg`hi tdrsdbut `hpht `kihlulhj gidf kj`kvk`u hthu suhtu djtkths yhjo mdmpujyhk ldidbkfhj `hjh.
Kjvdsthsk sdihiu mdmkiklk `uh sksk, yhktu rdturj `hj rksklg.
Bdrklut kjk `ksheklhj orhckl fhroh dmhs HJPHM ph`h buihj Mdk 218;.
@djohj mdikfht orhckl fhroh dmhs `k hths tdjtulhjihf pdrjyhthhj `k bhwhf kjk bdrjkihk bdjhr hthu
shihf!
Qdrjyhthhj
Fhroh dmhs ph`h thjoohi 8? Mdk h`hihf Rp4;4.111,11.
Rp4;4.111,1 1.
Fhroh dmhs pdrjhf mdjnhphk Rp314.111,11.
Qdrbd`hhj fhroh dmhs `k hwhi `hj hlfkr buihj Mdk h`hihf idbkf `hrk Rp84.111,11.
Bdjhr
^hihf
^dnhrh umum fhroh dmhs ph`h buihj Mdk h`hihf mdjuruj.
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
83; | fhihmhj
^drk HLM
Lujnk Ehwhbhj/ Qdmbhfhshj
2.
Qkikfhj Ohj`h Lgmpidls
DMH^ = KJSD^PH^K [HJO
[H JO MDJOTJPTJOLHJ7
Kjvdsthsk h`hihf pdjhjhmhj mg`hi ujtul shtu hthu idbkf hltkvh yhjo `kmkiklk `hj bk
bkhshjyh
hshjyh bdrehjolh
whltu ihmh `djohj fhrhphj mdj`hphtlhj rdturj `k mhsh yhjo hlhj `hthjo. Ldputushj pdjhjhmhj
mg`hi tdrsdbut `hpht `kihlulhj gidf kj`kvk`u hthu suhtu djtkths yhjo mdmpujyhk ldidbkfhj `hjh.
Kjvdsthsk sdihiu mdmkiklk `uh sksk, yhktu rdturj `hj rksklg.
Bdrklut kjk `ksheklhj orhckl fhroh dmhs HJPHM ph`h buihj Mdk 218;.
Bdr`hshrlhj orhckl fhroh dmhs `k hths, tdjtulhj ldbdjhrhj pdrjyhthhj bdrklut!
Qdrjyhthhj
Fhroh dmhs sdihiu mdjkjolht `hihm buihj Mdk 218;.
Qh`h hlfkr buihj Mdk 218;, fhroh dmhs idbkf tkjook bkih
bki h `kbhj`kjolhj ph`h hwhi buihj
Mdk 218;.
Iheu ldjhklhj fhroh dmhs muihk thjoohi 26 Mdk fkjooh >8 Mdk h`hihf pgsktkc.
Iheu ldjhklhj fhroh dmhs muihk thjoohi 26 Mdk fkjooh >8 Mdk h`hihf yhjo tdrtkjook
sdihmh buihj Mdk 218;.
Bdjhr
Lujnk Ehwhbhj/ Qdmbhfhshj
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
8?1 | fhihmhj
^hihf
^drk HLM
>.
Trhkhj
DMH^ = KJSD^PH^K [HJO MDJOTJPTJOLHJ7
Kjvdsthsk h`hihf pdjhjhmhj mg`hi ujtul shtu hthu idbkf hltkvh yhjo `kmkiklk `hj bk
bkhshjyh
hshjyh bdrehjolh
whltu ihmh `djohj fhrhphj mdj`hphtlhj rdturj `k mhsh yhjo hlhj `hthjo. Ldputushj pdjhjhmhj
mg`hi tdrsdbut `hpht `kihlulhj gidf kj`kvk`u hthu suhtu djtkths yhjo mdmpujyhk ldidbkfhj `hjh.
Kjvdsthsk sdihiu mdmkiklk `uh sksk, yhktu rdturj `hj rksklg.
Bdrklut kjk `ksheklhj orhckl fhroh dmhs HJPHM ph`h buihj Mdk 218; 5
Bdr`hshrlhj orhckl fhroh dmhs `k hths, Hj`k mdjyhthlhj bhfwh kjvdsthsk dmhs h`hihf kjvdsthsk
kjv dsthsk
yhjo mdjoujtujolhj.
Hphlhf Hj`h sdtueu `djohj pdrjyhthhj Hj`k7
^drth edihslhj hihshjjyh!
Mhlskmum 811 Lhrhltdr
Lujnk Ehwhbhj/ Qdmbhfhshj
0.
Qkikfhj Ohj`h Lgmpidls
DMH^ = KJSD^PH^K [HJO MDJOTJPTJOLHJ7
Kjvdsthsk h`hihf pdjhjhmhj mg`hi ujtul shtu hthu idbkf hltkvh yhjo `kmkiklk `hj bk
bkhshjyh
hshjyh bdrehjolh
whltu ihmh `djohj fhrhphj mdj`hphtlhj rdturj `k mhsh yhjo hlhj `hthjo. Ldputushj pdjhjhmhj
mg`hi tdrsdbut `hpht `kihlulhj gidf kj`kvk`u hthu suhtu djtkths yhjo mdmpujyhk ldidbkfhj `hjh.
Kjvdsthsk sdihiu mdmkiklk `uh sksk, yhktu rdturj `hj rksklg.
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
8?8 | fhihmhj
^drk HLM
Bdrklut kjk `ksheklhj orhckl fhroh dmhs HJPHM ph`h buihj Mdk 218;.
Tjtul mdmpdrluht hroumdjjyh, Hj`k mdjnhrk `hth ihok `k kjtdrjdt. Hj`k mdjdmulhj `hth
pdrbhj`kjohj yhjo `ksheklhj `hihm orhckl bdrklut5
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
8?2 | fhihmhj
^drk HLM
Pdjtulhj ldbdjhrhj pdrjyhthhj bdrklut mdjurut orhckl `hth pdrbhj`kjohj `k hths!
Qdrjyhthhj
Ehjolhuhj pdrubhfhj tkjolht kjcihsk `hrk thfuj 8;64 „ 211; phikjo rdj`hf bkih
Bdjhr
`kbhj`kjolhj `djohj ehjolhuhj pdrubhfhj KF^O mhupuj fhroh dmhs.
Ehjolhuhj pdrubhfhj fhroh dmhs `hrk thfuj 8;64 „ 211; idbkf rdj`hf `kbhj`kjolhj
ehjolhuhj pdrubhfhj KF^O.
^kmphjohj bhlu pdrubhfhj tkjolht kjcihsk mdruphlhj yhjo tdrdj`hf `kbhj`kjolhj `djohj
skmphjohj pdrubhfhj KF^O mhupuj pdrubhfhj fhroh dmhs.
^kmphjohj bhlu pdrubhfhj KF^O idbkf
idbkf bdshr bkih `kbhj`kjolhj skmphjohj bhlu pdrubhfhj
fhroh Dmhs
Lujnk Ehwhbhj/ Qdmbhfhshj
4.
Trhkhj
DMH^ = KJSD^PH^K [HJO
[H JO MDJOTJPTJOLHJ7
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
8?> | fhihmhj
^hihf
^drk HLM
Kjvdsthsk h`hihf pdjhjhmhj mg`hi ujtul shtu hthu idbkf hltkvh yhjo `kmkiklk `hj bk
bkhshjyh
hshjyh bdrehjolh
whltu ihmh `djohj fhrhphj mdj`hphtlhj rdturj `k mhsh yhjo hlhj `hthjo. Ldputushj pdjhjhmhj
mg`hi tdrsdbut `hpht `kihlulhj gidf kj`kvk`u hthu suhtu djtkths yhjo mdmpujyhk ldidbkfhj `hjh.
Kjvdsthsk sdihiu mdmkiklk `uh sksk, yhktu rdturj `hj rksklg.
Bdrklut kjk `ksheklhj orhckl fhroh dmhs HJPHM ph`h buihj Mdk 218;.
Tjtul mdmpdrluht hroumdjjyh, Hj`k mdjnhrk `hth ihok `k kjtdrjdt. Hj`k mdjdmulhj `hth
pdrbhj`kjohj yhjo `ksheklhj `hihm orhckl bdrklut.
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
8?0 | fhihmhj
^drk HLM
^dtdihf mdikfht `hj mdjohjhiksks ld`uh `hth orhckl yhjo `klumpuilhj, Hj`k mdjyhthlhj bhfwh
kjvdsthsk dmhs h`hihf kjvdsthsk yhjo phikjo mdjoujtujolhj.
Hphlhf `hth yhjo `khmbki `djohj mdjooujhlhj orhckl fhroh dmhs `hj orhckl pdrbhj`kjohj
pdrcgrmh
KF^O, fhroh
dmhs, `hj tkjolht kjcihsk
kjc ihsk `k hths nulup ujtul mdj`ulujo pdrjyhthhj yhjo
`kbdrklhj Hj`k7
Edihslhj!.
Mhlskmum 811 Lhrhltdr
Lujnk Ehwhbhj/ Qdmbhfhshj
3.
Trhkhj
DMH^ = KJSD^PH^K [HJO
[H JO MDJOTJPTJOLHJ7
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
8?4 | fhihmhj
^drk HLM
Kjvdsthsk h`hihf pdjhjhmhj mg`hi ujtul shtu hthu idbkf hltkvh yhjo `kmkiklk `hj bk
bkhshjyh
hshjyh bdrehjolh
whltu ihmh `djohj fhrhphj mdj`hphtlhj rdturj `k mhsh yhjo hlhj `hthjo. Ldputushj pdjhjhmhj
mg`hi tdrsdbut `hpht `kihlulhj gidf kj`kvk`u hthu suhtu djtkths yhjo mdmpujyhk ldidbkfhj `hjh.
Kjvdsthsk sdihiu mdmkiklk `uh sksk, yhktu rdturj `hj rksklg.
Bdrklut kjk `ksheklhj orhckl fhroh dmhs HJPHM ph`h buihj Mdk 218;.
Tjtul mdmpdrluht hroumdjjyh, Hj`k mdjnhrk `hth ihok `k kjtdrjdt. Hj`k mdjdmulhj `hth
pdrbhj`kjohj yhjo `ksheklhj `hihm orhckl bdrklut.
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
8?3 | fhihmhj
^drk HLM
Hj`k mdjyhthlhj bhfwh kjvdsthsk dmhs h`hihf kjvdsthsk yhjo phikjo mdjoujtujolhj.
@djohj mdikfht ld`uh thbdi `khths hphlhf sdlhrhjo Hj`h sdtueu
sd tueu `djohj pdrjyhthhj Hj`k bhfwh
Dmhs mdruphlhj kjvdsthsk yhjo phikjo mdjoujtujolhj7 Trhklhj hihshj Hj`h!
Mhlskmum 811 Lhrhltdr
Lujnk Ehwhbhj/ Qdmbhfhshj
?.
Qkikfhj Ohj`h Lgmpidls
@HRTRHP ^HMQHF @K KBT QDRPK_K
Euiulhj sdbhohk jdohrh jgmgr `uh pdjofhski shmphf
s hmphf pihstkl `k `ujkh, su`hf mdidlht `hihm
bdbdrhph thfuj kjk ldph`h Kj`gjdskh. Euiulhj yhjo muihjyh `kbdrklhj pdjdiktk `hrk Tjkvdrskths
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
8?? | fhihmhj
^drk HLM
Odgrokh, Hmdrklh ^drklht, Edjjh Ehmbdnl, lkjk muihk `kklutk gidf jdohrh ihkj `hj euoh `k `hihm jdodrk.
Bhjyhl lhihjohj yhjo mdjydbutlhj bhfwh prg`ulsk shmphf `k Kj`gjdskh fhjyh bksh `klhihflhj
gidf Pkgjolgl sheh.
Kj`gjdskh euoh `hrurht shmphf `hihm nhrh pdjodigihhj
pdjo digihhj shmphf `kmhjh shmphf bhjyhl `kbuhjo
ldihut.
Bdrklut h`hihf orhckl bhthjo yhjo mdjedihslhj tdjthjo 4 jdohrh pdjyumbhjo tdrbdshr shmphf
pihstkl ld ihuthj.
Bdr`hshrlhj orhckl `k hths, tdjtulhj ldbdjhrhj pdrjyhthhj `k bhwhf kjk!
Qdrjyhthhj
Kj`gjdskh mdruphlhj Jdohrh ld`uh tdrbdshr pdjyumbhjo shmphf pihstkl ld ihuthj.
^rk ihjolh mdjyumbhjolhj 80,3 tgj shmphf pihstkl ld ihuthj.
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
Bdjhr
8?6 | fhihmhj
^hihf
^drk HLM
Nfkjh yhjo mdjdmphtk pgsksk pdrthmh mdjyumbhjolhj idbkf `hrk 81 lhik ikpht shmphf
pihstkl ld ihuthj `kbhj`kjolhj bhjyhl shmphf pihstkl yhjo `ksumbhjolhj gidf Jdohrh
yhjo mdjdmphtk pgsksk ldikmh.
Bhjyhl shmphf pihstkl yhjo `ksumbhjolhj gidf Ckikpkjh
Cki kpkjh fhjyh sdpdrtkoh bhjyhl shmphf
pihstkl yhjo `ksumbhjolhj Kj`gjdskh.
Lujnk Ehwhbhj/ Qdmbhfhshj
6.
Qkikfhj Ohj`h Lgmpidls
@HRTRHP ^HMQHF @K KBT QDRPK_K
Euiulhj sdbhohk jdohrh jgmgr `uh pdjofhski shmphf
s hmphf pihstkl `k `ujkh, su`hf mdidlht `hihm
bdbdrhph thfuj kjk ldph`h Kj`gjdskh. Euiulhj yhjo muihjyh `kbdrklhj pdjdiktk `hrk Tjkvdrskths
Odgrokh, Hmdrklh ^drklht, Edjjh Ehmbdnl, lkjk muihk `kklutk gidf jdohrh ihkj `hj euoh `k `hihm jdodrk.
Bhjyhl lhihjohj yhjo mdjydbutlhj bhfwh prg`ulsk shmphf
s hmphf `k Kj`gjdskh fhjyh bksh `klhihflhj
gidf Pkgjolgl sheh.
Kj`gjdskh euoh `hrurht shmphf `hihm nhrh pdjodigihhj
p djodigihhj shmphf `kmhjh shmphf bhjyhl `kbuhjo
ldihut.
Bdrklut h`hihf orhckl bhthjo yhjo mdjedihslhj tdjthjo 4 jdohrh pdjyumbhjo tdrbdshr shmphf
pihstkl ld ihuthj.
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
8?; | fhihmhj
^drk HLM
Pdjtulhj ldbdjhrhj pdrjyhthhj `k bhwhf kjk bdr`hshrlhj orhckl `k hths!
Qdrjyhthhj
Kj`gjdskh mdjyumbhjolhj ?8 % `hrk eumihf shmphf pihstkl
pi hstkl yhjo `ksumbhjolhj
gidf jdohrh pdjyumbhjo tdrbdshr `k `ujkh.
Eumihf sdiuruf shmphf pihstkl yhjo `ksumbhjolhj gidf ldikmh jdohrh ph`h orhckl `k
hths mdidbkfk 311 euth tgj.
Bdshr skmphjohj hjthrh Kj`gjdskh `hj Ckikpkjh
Ckikpk jh tk`hl idbkf bdshr `hrk skmphjohj
hjthrh Jdohrh Nfkjh `hj Kj`gjdskh.
Rhth-rhth bhjyhl shmphf pihstkl yhjo `ksumbhjolhj gidf tkhp jdohrh ph`h orhckl `k
hths h`hihf 821,6 euth tgj.
Bdjhr
^hihf
Lujnk Ehwhbhj/ Qdmbhfhshj
;.
Qkikfhj Ohj`h Lgmpidls
@HRTRHP ^HMQHF @K KBT QDRPK_K
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
861 | fhihmhj
^drk HLM
Euiulhj sdbhohk jdohrh jgmgr `uh pdjofhski shmphf
s hmphf pihstkl `k `ujkh, su`hf mdidlht `hihm
bdbdrhph thfuj kjk ldph`h Kj`gjdskh. Euiulhj yhjo muihjyh `kbdrklhj pdjdiktk `hrk Tjkvdrskths
Odgrokh, Hmdrklh ^drklht, Edjjh Ehmbdnl, lkjk muihk `kklutk gidf jdohrh ihkj `hj euoh `k `hihm jdodrk.
Bhjyhl lhihjohj yhjo mdjydbutlhj bhfwh prg`ulsk shmphf
s hmphf `k Kj`gjdskh fhjyh bksh `klhihflhj
gidf Pkgjolgl sheh.
H`h bdbdrhph nhrh yhjo `koujhlhj `hihm pdjogihfhj shmphf, sdpdrtk PQH (ihj`-ckiikjo),
pdmbhlhrhj hthu kjsdjdrhsk (kjnkjdrhtkgj), `hj `hur uihjo (rdnynikjo).
(rdnynikjo) . Nhrh pdjogihfhj yhjo umum
`koujhlhj `k Kj`gjdskh h`hihf mdmbhwh shmphf ld Pdmpht Qdmbuhjohj Hlfkr (PQH),
( PQH), sd`hjolhj
sdbhokhj ldnki `k`hur uihjo.
Bdrklut h`hihf orhckl pdjodigihhj shmphf `k Kj`gjdskh.
Bdr`hshrlhj orhckl pdjodigihhj shmphf `k hths, tdjtulhj ldbdjhrhj pdrjyhthhj bdrklut kjk!
kj k!
Qdrjyhthhj
^dbhjyhl 3;% `hrk tgthi shmphf `k Kj`gjdskh `kbuhjo `k PQH.
Lurhjo `hrk 81% shmphf yhjo `kldigih `djohj nhrh `klubur.
Bhjyhl shmphf `k Kj`gjdskh yhjo tk`hl tdrldigih shmh bhjyhl `djohj shmphf yhjo
Bdjhr
^hihf
`k`hur uihjo.
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
868 | fhihmhj
^drk HLM
Bhjyhl shmphf yhjo `ktkmbuj `k PQH idbkf `hrk > lhik ikpht bhjyhl shmphf yhjo
`kldigih `djohj nhrh ihkjjyh.
Lujnk Ehwhbhj/ Qdmbhfhshj
81. Qkikfhj Ohj`h
@HRTRHP ^HMQHF @K KBT QDRPK_K
Euiulhj sdbhohk jdohrh jgmgr `uh pdjofhski shmphf
s hmphf pihstkl `k `ujkh, su`hf mdidlht `hihm
bdbdrhph thfuj kjk ldph`h Kj`gjdskh. Euiulhj yhjo muihjyh `kbdrklhj pdjdiktk `hrk Tjkvdrskths
Odgrokh, Hmdrklh ^drklht, Edjjh Ehmbdnl, lkjk muihk `kklutk gidf jdohrh ihkj `hj euoh `k `hihm jdodrk.
Bhjyhl lhihjohj yhjo mdjydbutlhj bhfwh prg`ulsk shmphf
s hmphf `k Kj`gjdskh fhjyh bksh `klhihflhj
gidf Pkgjolgl sheh.
Bdrklut h`hihf orhckl bhthjo yhjo mdjedihslhj tdjthjo 4 jdohrh pdjyumbhjo tdrbdshr shmphf
pihstkl ld ihuthj.
H`h bdbdrhph nhrh yhjo `koujhlhj `hihm pdjogihfhj shmphf, sdpdrtk PQH (ihj`-ckiikjo),
pdmbhlhrhj hthu kjsdjdrhsk (kjnkjdrhtkgj), `hj `hur uihjo (rdnynikjo).
(rdnynikjo) . Nhrh pdjogihfhj yhjo umum
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
862 | fhihmhj
^drk HLM
`koujhlhj `k Kj`gjdskh h`hihf mdmbhwh shmphf ld Pdmpht Qdmbuhjohj Hlfkr (PQH),
( PQH), sd`hjolhj
sdbhokhj ldnki `k`hur uihjo.
Bdrklut h`hihf orhckl pdjodigihhj shmphf `k Kj`gjdskh.
Bdshr ehjolhuhj `hihm orhckl pdjodigihhj shmphf `k hths h`hihf ....
H
B
N
@
D
2,1%
8;,3%
>2,1%
30,1%
0;,0%
Lujnk Ehwhbhj/ Qdmbhfhshj
88. Qkikfhj Ohj`h
@HRTRHP ^HMQHF @K KBT QDRPK_K
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
86> | fhihmhj
^drk HLM
Euiulhj sdbhohk jdohrh jgmgr `uh pdjofhski shmphf
s hmphf pihstkl `k `ujkh, su`hf mdidlht `hihm
bdbdrhph thfuj kjk ldph`h Kj`gjdskh. Euiulhj yhjo muihjyh `kbdrklhj pdjdiktk `hrk Tjkvdrskths
Odgrokh, Hmdrklh ^drklht, Edjjh Ehmbdnl, lkjk muihk `kklutk gidf jdohrh ihkj `hj euoh `k `hihm jdodrk.
Bhjyhl lhihjohj yhjo mdjydbutlhj bhfwh prg`ulsk shmphf `k Kj`gjdskh fhjyh bksh `klhihflhj
gidf Pkgjolgl sheh.
Bdrklut h`hihf orhckl bhthjo yhjo mdjedihslhj tdjthjo 4 jdohrh pdjyumbhjo tdrbdshr shmphf
pihstkl ld ihuthj.
H`h bdbdrhph nhrh yhjo `koujhlhj `hihm pdjogihfhj shmphf, sdpdrtk PQH (ihj`-ckiikjo),
pdmbhlhrhj hthu kjsdjdrhsk (kjnkjdrhtkgj), `hj `hur uihjo (rdnynikjo). Nhrh pdjogihfhj yhjo umum
`koujhlhj `k Kj`gjdskh h`hihf mdmbhwh shmphf ld Pdmpht Qdmbuhjohj Hlfkr (PQH),
( PQH), sd`hjolhj
sdbhokhj ldnki `k`hur uihjo.
Bdrklut h`hihf orhckl pdjodigihhj shmphf `k Kj`gjdskh.
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
860 | fhihmhj
^drk HLM
Jkihk skmphjohj rhth-rhth ph`h orhckl pdjodigihhj
pdjodigihhj shmphf `k hths hlhj … eklh `kbhj`kjolhj `djohj
jkihk skmphjohj bhlujyh.
H
B
N
@
D
shmh
bdrbd`h
idbkf bdshr
idbkf ldnki
tk`hl `hpht `ktdjtulhj `hrk orhckl
Lujnk Ehwhbhj/ Qdmbhfhshj
82. Qkikfhj Ohj`h Lgmpidls
Kj`gjdskh @hrurht Hkr7
Ldtdrsd`khhj sumbdr hkr `k hihm eumihfjyh rdihtkc tdthp. [hjo
[ hjo mdjeh`k mhshihf h`hihf whltu
ldtdrsd`khhj yhjo bdrubhf `hj luhikthsjyh, lhrdjh hkr sdbdjhrjyh fhjyh mdjohihmk prgsds
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
864 | fhihmhj
^drk HLM
pdrubhfhj bdjtul `hj pdrpkj`hfhj `hrk shtu tdmpht ld tdmpht ihkj.
ihk j. Qrgsds tdrsdbut `kjhmhlhj
sklius fk`rgigok.
Bdrklut kjk h`hihf orhckl ldbutufhj `hj lhphskths prg`ulsk hkr `k Ehlhrth ph`h thfuj 2181 fkjooh
2124 (prd`klsk).
Bdr`hshrlhj orhckl `k hths, tdjtulhj ldbdjhrhj pdrjyhthhj `k bhwhf kjk!
Qdrjyhthhj
Orhckl `k hths mdjyhthlhj ldbutufhj `hj lhphskths
lhphsk ths prg`ulsk hkr `k Kj`gjdskh ph`h
thfuj 2181 shmphk `djohj thfuj 2124.
Orhckl `k hths `kbuht ph`h thfuj 2181, sd`hjolhj `hth thfuj sdihjeutjyh
s dihjeutjyh mdruphlhj
fhski prd`klsk.
Qdmdrkjthf @LK Ehlhrth pdrjhf mdmbdik hkr `hrk Q@HM.
Orhckl `k hths mdruphlhj fhski iktbhjo yhjo `kihlulhj gidf Bh`hj Rdouihtgr Qdihyhjhj
Hkr Mkjum @LK Ehlhrth.
Bdjhr
^hihf
Lujnk Ehwhbhj/ Qdmbhfhshj
8>. Qkikfhj Ohj`h Lgmpidls
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
863 | fhihmhj
^drk HLM
Kj`gjdskh @hrurht Hkr7
Ldtdrsd`khhj sumbdr hkr `k hihm eumihfjyh rdihtkc tdthp. [hjo
[ hjo mdjeh`k mhshihf h`hihf whltu
ldtdrsd`khhj yhjo bdrubhf `hj luhikthsjyh, lhrdjh hkr sdbdjhrjyh fhjyh mdjohihmk prgsds
pdrubhfhj bdjtul `hj pdrpkj`hfhj `hrk shtu tdmpht ld tdmpht ihkj. Qrgsds tdrsdbut `kjhmhlhj
sklius fk`rgigok.
Bdrklut kjk h`hihf orhckl ldbutufhj `hj lhphskths prg`ulsk hkr `k Ehlhrth ph`h thfuj 2181 fkjooh
2124 (prd`klsk).
Bdr`hshrlhj orhckl `k hths, tdjtulhj ldbdjhrhj pdrjyhthhj bdrklut!
Qdrjyhthhj
Ehlhrth mdjohihmk `dckskt hkr sdehl thfuj 2181
21 81 `hj `kprd`klsk hlhj tdrus
t drus mdjdrus
mdjohihmk `dckskt hkr fkjooh thfuj 2124.
Qh`h thfuj 2124 `kprd`klsklhj bhfwh @LK Ehlhrth mhskf hlhj mdmbdik hkr `hrk Q@HM.
@kpdrlkrhlhj ph`h thfuj 2184, ldbutufhj hkr `k Ehlhrth hlhj mdjkjolht idbkf `hrk 24%
`hrk 4 thfuj sdbdiumjyh.
@kpdrlkrhlhj sdehl thfuj 2184 shmphk `djohj thfuj 2124 tk`hl hlhj h`h pdjkjolhthj
lhphskths prg`ulsk hkr.
Bdjhr
Lujnk Ehwhbhj/ Qdmbhfhshj
80. Qkikfhj Ohj`h
Kj`gjdskh @hrurht Hkr7
Ldtdrsd`khhj sumbdr hkr `k hihm eumihfjyh rdihtkc tdthp. [hjo
[ hjo mdjeh`k mhshihf h`hihf whltu
ldtdrsd`khhj yhjo bdrubhf `hj luhikthsjyh, lhrdjh hkr sdbdjhrjyh fhjyh mdjohihmk prgsds
pdrubhfhj bdjtul `hj pdrpkj`hfhj `hrk shtu tdmpht ld tdmpht ihkj. Qrgsds tdrsdbut `kjhmhlhj
sklius fk`rgigok.
Bdrklut kjk h`hihf orhckl ldbutufhj `hj lhphskths prg`ulsk hkr `k Ehlhrth ph`h thfuj 2181 fkjooh
2124 (prd`klsk).
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
86? | fhihmhj
^hihf
^drk HLM
Qh`h thfuj 2124, `kprd`klsklhj tgthi
tgthi lhphskths prg`ulsk hkr fhjyh `hpht mdmdjufk
mdmdjufk … `hrk tgthi
ldbutufhj hkr bhlu pdj`u`ul @LK Ehlhrth.
H
>6%
B
N
@
D
0>%
04%
03%
32%
Lujnk Ehwhbhj/ Qdmbhfhshj
84. Qkikfhj Ohj`h
Kj`gjdskh @hrurht Hkr7
Ldtdrsd`khhj sumbdr hkr `k hihm eumihfjyh rdihtkc tdthp. [hjo
[ hjo mdjeh`k mhshihf h`hihf whltu
ldtdrsd`khhj yhjo bdrubhf `hj luhikthsjyh, lhrdjh hkr sdbdjhrjyh fhjyh mdjohihmk prgsds
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
866 | fhihmhj
^drk HLM
pdrubhfhj bdjtul `hj pdrpkj`hfhj `hrk shtu tdmpht ld tdmpht ihkj. Qrgsds tdrsdbut `kjhmhlhj
sklius fk`rgigok.
Bdrklut kjk h`hihf orhckl ldbutufhj `hj lhphskths prg`ulsk hkr `k Ehlhrth ph`h thfuj 2181 fkjooh
2124 (prd`klsk).
Bdshr skmphjohj bhlu `dckskt
`dckskt hkr sdehl thfuj 2181 fkjooh thfuj 2124 … skmphjohj bhlu tgthi
lhphskths prg`ulsk hkr ph`h thfuj yhjo shmh. Lhth yhjo tdpht ujtul mdjoksk tktkl-tktkl `k hths h`hihf
….
H
B
N
@
D
shmh `djohj
bdrbd`h `djohj
idbkf `hrk
lurhjo `hrk
tk`hl `hpht `ktdjtulhj `hrk orhckl
Lujnk Ehwhbhj/ Qdmbhfhshj
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
86; | fhihmhj
^drk HLM
83. Qkikfhj Ohj`h
Kj`gjdskh @hrurht Hkr7
Ldtdrsd`khhj sumbdr hkr `k hihm eumihfjyh rdihtkc tdthp. [hjo
[ hjo mdjeh`k mhshihf h`hihf whltu
ldtdrsd`khhj yhjo bdrubhf `hj luhikthsjyh, lhrdjh hkr sdbdjhrjyh fhjyh mdjohihmk prgsds
pdrubhfhj bdjtul `hj pdrpkj`hfhj `hrk shtu tdmpht ld tdmpht ihkj. Qrgsds tdrsdbut `kjhmhlhj
sklius fk`rgigok.
Bdrklut kjk h`hihf orhckl ldbutufhj `hj lhphskths prg`ulsk hkr `k Ehlhrth ph`h thfuj 2181 fkjooh
2124 (prd`klsk).
Qdrfhtklhj dmpht pdrjyhthhj `k bhwhf kjk!
8. Bdshr ldbutufhj hkr bhlu `k lgth Ehlhrth ph`h thfuj 2121 `kpdrlkrhlhj mdjeh`k `uh lhik
ikpht ldbutufhj hkr bhlu ph`h thfuj 2181.
2. Bdshr `dckskt hkr `k lgth @LK Ehlhrth ph`h thfuj 2124 `kpdrlkrhlhj hlhj mdjkjolht idbkf `hrk
0 lhik ikpht `dckskt hkr ph`h thfuj 2181.
>. Qdjkjolhthj lhphskths prg`ulsk hkr `k Ehlhrth ph`h thfuj 2184 hlhj mdjkjolht sdlkthr 04%
`kbhj`kjolhj `djohj lhphskths prg`ulsk hkr ph`h thfuj 2181.
0. Bdshr lhphskths prg`ulsk hkr ph`h thfuj 2124 fhjyh sdlkthr >6% `hrk tgthi ldbutufhj hkr
bhlu pdj`u`ul @LK Ehlhrth.
@hrk lddmpht pdrjyhthhj `k hths, mhjhlhf pdrjyhthhj yhjo bdjhr mdjurut orhckl `k hths7
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
8;1 | fhihmhj
^drk HLM
H
B
N
@
D
Qdrjyhthhj 8 `hj >.
Qdrjyhthhj 2 `hj 0.
Qdrjyhthhj 8 `hj 2.
Qdrjyhthhj > `hj 0.
Qdrjyhthhj 8, 2, `hj >.
Lujnk Ehwhbhj/ Qdmbhfhshj
8?. Qkikfhj Ohj`h Lgmpidls
Kj`gjdskh @hrurht Hkr7
Ldtdrsd`khhj sumbdr hkr `k hihm eumihfjyh rdihtkc tdthp. [hjo
[ hjo mdjeh`k mhshihf h`hihf whltu
ldtdrsd`khhj yhjo bdrubhf `hj luhikthsjyh, lhrdjh hkr sdbdjhrjyh fhjyh mdjohihmk prgsds
pdrubhfhj bdjtul `hj pdrpkj`hfhj `hrk shtu tdmpht ld tdmpht ihkj. Qrgsds tdrsdbut `kjhmhlhj
sklius fk`rgigok.
Bdrklut kjk h`hihf orhckl ldbutufhj `hj lhphskths prg`ulsk hkr `k Ehlhrth ph`h thfuj 2181 fkjooh
2124 (prd`klsk).
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
8;8 | fhihmhj
^drk HLM
^dtdihf mdjodthfuk lgj`ksk hkr `k Ehlhrth yhjo tdrus mdjohihmk `dckskt hkr, Hj`k mdjngbh ujtul
mdjnhrk hitdrjhtkc mdtg`d pdjedrjkfhj hkr ujtul `kpdroujhlhj `k rumhfjyh. Kh mdjdmulhj 4 nhrh
pdjedrjkfhj hkr, bdsdrth ldidbkfhj `hj ldlurhjohj `hrk sdtkhp mdtg`d pdjedrjkfhj. Fhski pdjdiktkhj
Hj`k `ksheklhj ph`h thbdi `k bhwhf kjk.
Phbdi. MDPG@D QDJEDRJKFHJ HKR
MDPG@D
Qdjedrjkf
Hkr RG
LDIDBKFHJ
•
•
•
Qdjedrjkf
Hkr TS
•
•
•
•
•
•
Qdjedrjkf
Hkr TC
•
•
•
•
•
Qdjedrjkf
Hkr
Lhrbgj
Hltkc
•
•
•
•
^d`kmdjt
Ckitdr
•
•
•
Mhmpu mdmbdrskflhj phrtkldi igohm `hj
ihruthj ph`ht bdrbhfhyh sdlhikous `hpht
mdmbhsmk bhltdrk, vkrus, `hj lumhj `hihm hkr.
Mdmpdrbhklk rhsh `hj hrgmh hkr.
Hiht kjk hmhj, fdmht bkhyh, `hj mu`hf `krhwht.
Bkhyh pdrhwhthj rkjohj.
Pkjolht ldedrjkfhj hkr tkjook.
Lgjsumsk djdrok rdj`hf.
Phl pdriu `kbdrskflhj sdnhrh mhjuhi.
Pk`hl mdjoubhf rhsh hkr.
TS mdjehoh lhj`ujohj dsdjskhi `hihm hkr.
Bksh `kphlhk thjph ikstrkl.
Phl mdjooujhlhj zht lkmkh.
@hpht mdjyhrkjo iumpur `hrk hkr.
Phl mdjkjoohilhj bhjolhk lumhj `k `hihm hkr
edrjkf.
Hwdt ujtul ehjolh phjehjo.
Mdjofkihjolhj pdjyhlkt `hrk pdstksk`h `hj zht
lkmkh bdrhnuj.
Mdjofkihjolhj phrtkldi igohm bdrht.
Mdmbuht hrgmh `hj rhsh hkr idbkf djhl.
Mdmbhjtu mdmpdrbhklk mdmbrhj RG.
Mdjofkihjolhj lgtgrhj, `dbu, lhrht, `hj phrtkldi
iumpur `hihm hkr.
LDLTRHJOHJ
•
•
•
•
•
•
•
•
•
•
•
Mdmbutuflhj hikrhj ikstrkl yhjo sthbki `hj hkr
bdrtdlhjhj gptkmhi.
Mdjofhskilhj bhjyhl ikmbhf hkr yhjo
tdrbuhjo bdrshmh igohm `hj ihruthj ph`ht
ihkjjyh.
Bh`hj lumhj tdthp bdrh`h `hihm hkr yhjo
tdihf `kedrjkflhj.
TS tk`hl mdjkjolhtlhj rhsh `hj whrjh hkr.
Phl dcdltkc ujtul hkr ldruf `hj hkr bdriumpur.
TS thl mdjofkihjolhj zht lkmkh bdrhnuj.
Phl ngngl ujtul hkr ldrhs (hkr yhjo bhjyhl
mdjohj`ujo lhpur).
Fhrus sdrkjo `kbdrskflhj.
Phl mdjofkihjolhj ihruthj ohrhm yhjo
mdjydbhblhj hkr ldruf.
Pk`hl mdmbhsmk bhltdrk `hj vkrus.
Pk`hl mdjofkihjolhj dj`hphj ph`ht, igohm
bdrht, bhltdrk, `hj vkrus.
Mdjofkihjolhj pgiuthj sdihmh prgsds
pdjyhrkjohj.
Mdmbhjtu mdjndohf ldrushlhj ph`h hiht
pdjedrjkf hkr.
Bdr`hshrlhj thbdi 4 nhrh pdjedrjkfhj hkr yhjo
yhj o `k`hpht Hj`k, tdjtulhj ldbdjhrhj pdrjyhthhj bdrklut
kjk!
Qdrjyhthhj
Mdtg`h pdjedrjkfhj ^d`kmdjt Ckitdr `hpht mdjofkihjolhj dj`hphj ph`ht, igohm bdrht,
bhltdrk, `hj vkrus.
Mdtg`h pdjedrjkfhj hkr yhjo ngngl ujtul mdmbdrskflhj hkr lhpur h`hihf mdtg`h
pdjedrjkf hkr TC.
^dtk`hljyh tdr`hpht 2 mdtg`h pdjedrjkfhj hkr yhjo `hpht mdjoubhf
m djoubhf rhsh hkr.
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
Bdjhr
8;2 | fhihmhj
^hihf
^drk HLM
^dtk`hljyh tdr`hpht 2 mdtg`h pdjedrjkfhj hkr yhjo bkhyhjyh rkjohj.
Lujnk Ehwhbhj/ Qdmbhfhshj
86. Qkikfhj Ohj`h
Kj`gjdskh @hrurht Hkr7
Ldtdrsd`khhj sumbdr hkr `k hihm eumihfjyh rdihtkc tdthp. [hjo
[ hjo mdjeh`k mhshihf h`hihf whltu
ldtdrsd`khhj yhjo bdrubhf `hj luhikthsjyh, lhrdjh hkr sdbdjhrjyh fhjyh mdjohihmk prgsds
pdrubhfhj bdjtul `hj pdrpkj`hfhj `hrk shtu tdmpht ld tdmpht ihkj. Qrgsds tdrsdbut `kjhmhlhj
sklius fk`rgigok.
Bdrklut kjk h`hihf orhckl ldbutufhj `hj lhphskths prg`ulsk hkr `k Ehlhrth ph`h thfuj 2181 fkjooh
2124 (prd`klsk).
^dtdihf mdjodthfuk lgj`ksk hkr `k Ehlhrth yhjo tdrus mdjohihmk `dckskt hkr, Hj`k mdjngbh ujtul
mdjnhrk hitdrjhtkc mdtg`d pdjedrjkfhj hkr ujtul `kpdroujhlhj `k rumhfjyh. Kh mdjdmulhj 4 nhrh
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
8;> | fhihmhj
^drk HLM
pdjedrjkfhj hkr, bdsdrth ldidbkfhj `hj ldlurhjohj `hrk sdtkhp mdtg`d pdjedrjkfhj. Fhski pdjdiktkhj
Hj`k `ksheklhj ph`h thbdi `k bhwhf kjk.
Phbdi. MDPG@D QDJEDRJKFHJ HKR
MDPG@D
Qdjedrjkf
LDIDBKFHJ
•
Hkr RG
•
•
Qdjedrjkf
Hkr TS
•
•
•
•
•
•
Qdjedrjkf
Hkr TC
•
•
•
•
•
Qdjedrjkf
Hkr
Lhrbgj
Hltkc
•
•
•
•
^d`kmdjt
Ckitdr
•
•
•
Mhmpu mdmbdrskflhj phrtkldi igohm `hj
ihruthj ph`ht bdrbhfhyh sdlhikous `hpht
mdmbhsmk bhltdrk, vkrus, `hj lumhj `hihm hkr.
Mdmpdrbhklk rhsh `hj hrgmh hkr.
Hiht kjk hmhj, fdmht bkhyh, `hj mu`hf `krhwht.
Bkhyh pdrhwhthj rkjohj.
Pkjolht ldedrjkfhj hkr tkjook.
Lgjsumsk djdrok rdj`hf.
Phl pdriu `kbdrskflhj sdnhrh mhjuhi.
Pk`hl mdjoubhf rhsh hkr.
TS mdjehoh lhj`ujohj dsdjskhi `hihm hkr.
Bksh `kphlhk thjph ikstrkl.
Phl mdjooujhlhj zht lkmkh.
@hpht mdjyhrkjo iumpur `hrk hkr.
Phl mdjkjoohilhj bhjolhk lumhj `k `hihm hkr
edrjkf.
Hwdt ujtul ehjolh phjehjo.
Mdjofkihjolhj pdjyhlkt `hrk pdstksk`h `hj zht
lkmkh bdrhnuj.
Mdjofkihjolhj phrtkldi igohm bdrht.
Mdmbuht hrgmh `hj rhsh hkr idbkf djhl.
Mdmbhjtu mdmpdrbhklk mdmbrhj RG.
Mdjofkihjolhj lgtgrhj, `dbu, lhrht, `hj phrtkldi
iumpur `hihm hkr.
Mdjofkihjolhj pgiuthj sdihmh prgsds
pdjyhrkjohj.
Mdmbhjtu mdjndohf ldrushlhj ph`h hiht
pdjedrjkf hkr.
LDLTRHJOHJ
•
•
•
•
•
•
•
•
•
•
•
Mdmbutuflhj hikrhj ikstrkl yhjo sthbki `hj hkr
bdrtdlhjhj gptkmhi.
Mdjofhskilhj bhjyhl ikmbhf hkr yhjo
tdrbuhjo bdrshmh igohm `hj ihruthj ph`ht
ihkjjyh.
Bh`hj lumhj tdthp bdrh`h `hihm hkr yhjo
tdihf `kedrjkflhj.
TS tk`hl mdjkjolhtlhj rhsh `hj whrjh hkr.
Phl dcdltkc ujtul hkr ldruf `hj hkr bdriumpur.
TS thl mdjofkihjolhj zht lkmkh bdrhnuj.
Phl ngngl ujtul hkr ldrhs (hkr yhjo bhjyhl
mdjohj`ujo lhpur).
Fhrus sdrkjo `kbdrskflhj.
Phl mdjofkihjolhj ihruthj ohrhm yhjo
mdjydbhblhj hkr ldruf.
Pk`hl mdmbhsmk bhltdrk `hj vkrus.
Pk`hl mdjofkihjolhj dj`hphj ph`ht, igohm
bdrht, bhltdrk, `hj vkrus.
^dihkj ktu, Hj`k euoh mdjdmulhj `hth pdjndmhrhj sujohk bdrklut kjk.
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
8;0 | fhihmhj
^drk HLM
Bdr`hshrlhj Orhckl Prdj` mutu hkr sujohk `k hths, tdjtulhj ldbdjhrhj pdrjyhthhj `k bhwhf kjk!
H
B
N
@
D
Orhckl `k hths mdjujeullhj eumihf sujohk yhjo tdrndmhr sdehl thfuj 2182 fkjooh thfuj 2184.
Orhckl `k hths `hpht mdjujeullhj pdrbhj`kjohj tkjolht pdjndmhrhj hkr sujohk ph`h thfuj 2188.
Qh`h thfuj 2184, pdrsdjthsd mutu hkr sujohk yhjo tdrndmhr bdrht idbkf `hrk thfuj-thfuj
sdbdiumjyh.
^dehl thfuj 218>, ldndj`drujohj pdrsdjthsd sujohk yhjo tdrndmhr sd`hjo tdrus mdjuruj.
Qdrsdjthsd hkr sujohk yhjo tdrndmhr bdrht mdidbkfk tgthi pdrsdjthsd hkr sujohk yhjo tdrndmhr
ihkjjyh.
Lujnk Ehwhbhj/ Qdmbhfhshj
8;. Trhkhj
Kj`gjdskh @hrurht Hkr7
Ldtdrsd`khhj sumbdr hkr `k hihm eumihfjyh rdihtkc tdthp. [hjo
[ hjo mdjeh`k mhshihf h`hihf whltu
ldtdrsd`khhj yhjo bdrubhf `hj luhikthsjyh, lhrdjh hkr sdbdjhrjyh fhjyh mdjohihmk prgsds
pdrubhfhj bdjtul `hj pdrpkj`hfhj `hrk shtu tdmpht ld tdmpht ihkj. Qrgsds tdrsdbut `kjhmhlhj
sklius fk`rgigok.
Bdrklut kjk h`hihf orhckl ldbutufhj `hj lhphskths prg`ulsk hkr `k Ehlhrth ph`h thfuj 2181 fkjooh
2124 (prd`klsk).
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
8;4 | fhihmhj
^drk HLM
^dtdihf mdjodthfuk lgj`ksk hkr `k Ehlhrth yhjo tdrus mdjohihmk `dckskt hkr, Hj`k mdjngbh ujtul
mdjnhrk hitdrjhtkc mdtg`d pdjedrjkfhj hkr ujtul `kpdroujhlhj `k rumhfjyh. Kh mdjdmulhj 4 nhrh
pdjedrjkfhj hkr, bdsdrth ldidbkfhj `hj ldlurhjohj `hrk sdtkhp mdtg`d pdjedrjkfhj. Fhski pdjdiktkhj
Hj`k `ksheklhj ph`h thbdi `k bhwhf kjk.
Phbdi. MDPG@D QDJEDRJKFHJ HKR
MDPG@D
Qdjedrjkf
Hkr RG
LDIDBKFHJ
•
•
•
Qdjedrjkf
Hkr TS
•
•
•
•
•
•
Qdjedrjkf
Hkr TC
•
•
•
Mhmpu mdmbdrskflhj phrtkldi igohm `hj
ihruthj ph`ht bdrbhfhyh sdlhikous `hpht
mdmbhsmk bhltdrk, vkrus, `hj lumhj `hihm hkr.
Mdmpdrbhklk rhsh `hj hrgmh hkr.
Hiht kjk hmhj, fdmht bkhyh, `hj mu`hf `krhwht.
Bkhyh pdrhwhthj rkjohj.
Pkjolht ldedrjkfhj hkr tkjook.
Lgjsumsk djdrok rdj`hf.
Phl pdriu `kbdrskflhj sdnhrh mhjuhi.
Pk`hl mdjoubhf rhsh hkr.
TS mdjehoh lhj`ujohj dsdjskhi `hihm hkr.
Bksh `kphlhk thjph ikstrkl.
Phl mdjooujhlhj zht lkmkh.
@hpht mdjyhrkjo iumpur `hrk hkr.
LDLTRHJOHJ
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Mdmbutuflhj hikrhj ikstrkl yhjo sthbki `hj hkr
bdrtdlhjhj gptkmhi.
Mdjofhskilhj bhjyhl ikmbhf hkr yhjo
tdrbuhjo bdrshmh igohm `hj ihruthj ph`ht
ihkjjyh.
Bh`hj lumhj tdthp bdrh`h `hihm hkr yhjo
tdihf `kedrjkflhj.
TS tk`hl mdjkjolhtlhj rhsh `hj whrjh hkr.
Phl dcdltkc ujtul hkr ldruf `hj hkr bdriumpur.
TS thl mdjofkihjolhj zht lkmkh bdrhnuj.
Phl ngngl ujtul hkr ldrhs (hkr yhjo bhjyhl
mdjohj`ujo lhpur).
Fhrus sdrkjo `kbdrskflhj.
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
8;3 | fhihmhj
^drk HLM
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Qdjedrjkf
Hkr
Lhrbgj
Hltkc
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^d`kmdjt
Ckitdr
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Phl mdjkjoohilhj bhjolhk lumhj `k `hihm hkr
edrjkf.
Hwdt ujtul ehjolh phjehjo.
Mdjofkihjolhj pdjyhlkt `hrk pdstksk`h `hj zht
lkmkh bdrhnuj.
Mdjofkihjolhj phrtkldi igohm bdrht.
Mdmbuht hrgmh `hj rhsh hkr idbkf djhl.
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Phl mdjofkihjolhj ihruthj ohrhm yhjo
mdjydbhblhj hkr ldruf.
Pk`hl mdmbhsmk bhltdrk `hj vkrus.
Mdmbhjtu mdmpdrbhklk mdmbrhj RG.
Mdjofkihjolhj lgtgrhj, `dbu, lhrht, `hj phrtkldi
iumpur `hihm hkr.
Mdjofkihjolhj pgiuthj sdihmh prgsds
pdjyhrkjohj.
Mdmbhjtu mdjndohf ldrushlhj ph`h hiht
pdjedrjkf hkr.
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Pk`hl mdjofkihjolhj dj`hphj ph`ht, igohm
bdrht, bhltdrk, `hj vkrus.
^dihkj ktu, Hj`k euoh mdjdmulhj `hth pdjndmhrhj sujohk bdrklut kjk5
Bdr`hshrlhj ld`uh orhckl sdrth thbdi ldidbkfhj `hj ldlurhjohj 4 mdtg`h pdjedrjkfhj hkr ph`h
whnhjh `k hths, mdtg`h hphlhf yhjo sdfhrusjyh
s dfhrusjyh `koujhlhj Hj`k `k rumhfjyh7 Edihslhj!
Mhlskmum 811 Lhrhltdr
Lujnk Ehwhbhj/ Qdmbhfhshj
fttps5//pusmdjehr.ldm`klbu`.og.k`/hlm/
8;? | fhihmhj