Renstra BLUD Puskesmas Pakis Kab. Malang - Feedback
August 16, 2022 | Author: Anonymous | Category: N/A
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YFAEMAM U^YM^FL@U IJVN SVUDFUOMU
=
DM^M SFALMA^MY
Nfal Nf alma ma
of ofom omah ahmt mtdm dma a
pu puh` h`
sy syud udur ur
df dfg gmn mn`r `rmt mt
^u ^ug gma
ym yma al
Om Omgm gm
Fsm,d Fs m,dmrf mrfam am tfj tfjmg mg tfr tfrsus susua ua Yf Yfae aemam mam Utrmt Utrmtfl fl`s `s (YF (YFAU AU^Y ^YM) M) Sus Susdfs dfsoms oms Smd Smd`s `s pfr`k pf r`knf nf tmgu tmgua a 93 939= 9= - 93 9392.Y 92.YFA FAU^ U^YM YM
Sus Susdf dfso soms ms Smd Smd`s `s `a` ofrup ofrupmdm mdma a
Yfaemam Utrmtfl`s 6 ^mgua df nfpma sfimlm` Sfnkoma Sfrfaemamma ^mguama Susdf Sus dfsom soms s Smd Smd`s `s smo smopm` pm` nfa nfalma lma tmgu tmgua a 93 9392 92 ymal ifrb ifrbual uals` s` ofoiu ofoiumt mt pfrfaemamma tmguama jfi`g bkdus nma ofalurmal` rfs`dk t`nmd tfrempm`aym tuhuma dfl`mtma n`dmrfamdma durmal omtmalaym pfrfaemma. Yfaema Yfa emam m Utrm Utrmtfl` tfl`s s (YF (YFAU^ AU^YM) YM) Susd Susdfsom fsoms s Smd` Smd`s s `a` ofa ofaemdu emdup p gms` gms`jj d`af d`afrhm rhm tmg tmgua ua if ifrhmj rhmjma ma (^m (^mgua gua 93 939= 9=),rf ),rfae aemam mam Df Dfrhm rhm nma r`a r`ae` e`ma ma mal mallmr lmrma ma uatud tmgua ymal n`mallmrdma,r`aldmsma n`mallmrdma,r`aldmsma mallmrma im`d MSIN omupua IJVN nma Srkyfds` Empm`ma D`afrhm nma Sfalmallmrma 6 tmgua df nfpma. Nfalma pfoiumtma rfaemam Utrmtfl`s (YFAU^YM) Susdfsoms Smd`s `a` ,n`gmr ,n` gmrmpd mpdma ma nmp nmpmt mt ofo ofoif ifr`d r`dma ma pf pfjmy jmyma mama ma df dfsfg sfgmtm mtma a df dfpmn pmnm m oms omsymr ymrmdm mdmtt dfem df emom omtm tma a Sm Smd` d`s s jfi` jfi`g g kp kpt` t`om omjj nm nma a tf tfpm pmtt sm smsm smrm rma, a,sf sfg` g`al allm lm tfre tfre`p `ptm tmay aym m dfem df emom omtm tma a
Sm Smd` d`s s
of ofah ahmn mn``
Df Dfem emom omtm tma a
Uf Ufgm gmtt
ym ymal al of ofau auah ahma mal l
pr prkl klrm rmo o
Dmiupmtfa Omjmal Ufgmt. Nfo`d`ma Sfayusuama `a`,nma nkduofa `a` i`sm ofalmjmo` YFAU^YM Sfruimgma ofayfsum`dma Yfsatrm N`ams Dfsfgmtma Dmiupmtfa Omjmal.
Smd`s, 9 Hmaumr` 9399
Dfpmjm Susdfsoms Smd`s
\`ymatk \`hkyk
9
^mijf kb Ekatfats ^ypf egmptfr tjf ((jjfvfj =) ^ypf ^ypf egmp egmpttfr tj tjf f (jfv (jfvf fj 9 9))
= 9
^ypf egmptfr egmptfr tjf tjf (jfvfj (jfvfj 5) 5
^ypf egmptfr tjf ((jjfvfj =) ^ypf ^ypf egmp egmpttfr tj tjf f (jfv (jfvf fj 9 9))
> 6
^ypf egmptfr egmptfr tjf tjf (jfvfj (jfvfj 5) 2
5
IMI @ SFANMGVJVMA
M. JM^MY IFJ IFJMDMAL MDMAL Susdfsoms ofrupmdma ua`t pfjmdsmam tfda`s N`ams Dfsfgmtma ymal ofayfjfallmrmdma sfiml`ma nmr` tulms tfda`s kpfrms`kamj N`ams Dfsfgmtma nma uhu uhual al tko tkoimd imd pf pfoim oimal aluam uama a df dfsf sfgmt gmtma ma.. Ifr Ifrnms nmsmrd mrdma ma pf pfrmt rmturm urma a Ofatfr` Dfsfgmtma Y@ Akokr Susdfsoms ofopuaym` buals` sfimlm` pfayfjfallmrm upmym dfsfgmtma omsymrmdmt t`aldmt pfrtmom nma upmy up mym m
df dfsf sfgm gmtm tma a
pf pfrk rkrm rma alm lma a
t`a t`ald ldmt mt
pf pfrt rtmo mom. m.
Su Susd sdfs fsom oms s
nm nmjm jmo o
ofahmjmadma buals`aym pfrju ofo`j`d` mrmg nma rfaemam ymal hfjms sfsum` nfalma v`s` pfoimaluama dfsfgmtma n` nmfrmg. Mrmg nma rfaemam tfrsfiut n`tumaldma nmjmo `an`dmtkr d`afrhm nma tmrlft ymal mdma n`empm` nmjmo pfr`knf wmdtu tfrtfatu. Uft` Uf t`mp mp tmgu tmgua a rf rfae aema mam m tf tfrs rsfi fiut ut md mdma ma n` n`iu iumt mt tmrl tmrlft ft d` d`af afrh rhm m nm nma a n` n`jm jmdu dudm dma a
ok oka` a`tk tkr` r`al al nm nma a
fv fvmj mjum ums` s` nm nma a
h` h`dm dm pf pfrj rju u
n` n`jm jmdu dudm dma a
hul ulm m
pfrui pf ruimg mgma ma rfa rfaema emam m sf sfsum sum`` nf nfal alma ma pf pfrui ruimgm mgma a s`tum s`tums` s` nma dfi dfi`h `hmdm mdma. a. Sfayusuama rfaemam strmtfl`s pusdfsoms nmjmo rmaldm pfafrmpma Imnma Jmym Jm ymam ama a Vo Vouo uo Nm Nmfr frmg mg (I (IJV JVN) N),, n`jm n`jmds dsma mamd mdma ma kj kjfg fg t`o t`o pf pfrf rfae aema mamm mma a t`ald t`a ldmt mt pus pusdf dfsom soms s ym ymal al n`tua n`tuahud hud kjf kjfg g df dfpmj pmjm m pus pusdfs dfsoms oms of ofjmj jmju` u` UD Dfpmjm Susdfsoms. Susdfsoms ymal tfjmg ofahmn` Imnma Jmymama Vouo Nmfrmg (IJVN) gmrus ofayusua rfaemam strmtfl`s sfsum` nfalma Sfrmturma Ofatfr` Nmjmo Aflfr` Yfpuij`d @ankafs`m Akokr > ^m ^mgu gua a 93 93=2 =2 tfat tfatma mal l Sfnkoma Sfnk oma Omam Omamhfo hfofa fa Susd Susdfsom fsoms, s, n`o n`omam mam pusd pusdfsom fsoms s pfrj pfrju u ofjm ofjmdudma dudma pfay pf ayusu usuama ama rfa rfaema emam m 6 (j`om) (j`om) tmg tmguam uama a yma ymal l df dfoun oun`ma `ma n` n`r`a r`ae` e` dfn dfnmjm mjmo o rfaemam rfae mam tmgu tmguama ama.. Ufi Ufimlm` mlm` ua` ua`tt pfj pfjmdsm mdsmam am tfda tfda`s, `s, pfa pfayusua yusuama ma rfae rfaemam mam strmtfl`s pusdfsoms ofalmeu dfpmnm Yfaemam Utrmtfl`s N`ams Dfsfgmtma nma nm a
of ofay ayfs fsum um`d `dma ma
nf nfal alma ma
su suoi oifr fr
nm nmym ym,,
j` j`al aldu dual alma ma,,
df dfiu iutu tugm gma a
omsym oms ymrmd rmdmt mt nma pf pfrma rma oms omsymr ymrmdm mdmtt n` w` w`jmy jmymg mg df dfrhm rhm Sus Susdfs dfsoms oms..nfalma
>
tftmp tft mp of ofopf opfrgm rgmt`d t`dma ma pr` pr`as as`p `p-pr -pr`a `asp sp pf pfjmy jmymam mama a
ym ymal al ofa ofalf lfnfp nfpma madma dma
stmanmrt pfjmymama ymal sunmg mnm.
I. SFALFY^@MA YFAEMAM U^YM^FL@U Ifrnmsmrdma Smsmj >= Sfrmturma Ofatfr` Nmjmo Aflfr` Y@ Akokr ^mgua 93= 93=2 2 tfa tfatma tmal l Sf Sfnko nkoma ma Omamhfofa Susdfsoms. l. Sf Sfrm rmtu turm rma a Of Ofat atfr fr`` Df Dfsf sfgm gmtm tma a Ak Akok okrr => tfat tfatma mal l Su Susm smtt Dfsfgmtma Omsymrmdmt. g. Sf Sfrmt rmturm urma a Ofa Ofaft ftfr` fr` Df Dfsf sfgm gmtma tma Ako Akokr kr >5 ^mg ^mgua ua 93 93=0 =0 tfa tfatma tmal l Sus Susmt mt Dfsfgmtma Omsymrmdmt `. Sf Sfrm rmtu turm rma a Nm Nmfr frmg mg Dm Dmiu iupm pmtf tfa a Om Omjm jmal al Akok Akokrr 0 ^mgu ^mgua a 93 93=2 =2 tfat tfatma mal l Sfoi Sf oifa fatu tudm dma a nm nma a Uu Uusu suam ama a Sf Sfrm rmal aldm dmtt Nm Nmfr frmg mg (J (Jfo foim imrm rma a Nm Nmfr frmg mg Dmiupm Dmi upmtfa tfa Omj Omjma mal l ^mg ^mgua ua 93 93=2 =2 Ako Akokr kr = Uf Ufr` r` E), sf sfiml imlm`o m`oma mam m tfjmg tfjmg n`uimg n`ui mg ifi ififrmp frmpm m dmj` dmj`,, tfrmd tfrmdg`r g`r nfa nfalma lma Sfrm Sfrmturma turma Nmfr Nmfrmg mg Dmiup Dmiupmtfa mtfa Omjmal Akokr
2
= ^mg ^mgua ua 93 939= 9= tf tfat atmal mal Sf Sfrui ruimgm mgma a Dfn Dfnum um mtm mtms s Sf Sfrmt rmturm urma a Nm Nmfrm frmg g Akokr 0 ^mgua 93=2 tfatmal Sfoifatudma nma Uusuama Sfrmaldmt Nmfrmg (Jfoimrma Nmfrmg Dmiupmtfa Omjmal ^mgua 939= Akokr = Ufr` E)4 h. Sfrmturma Iupmt` Dmiupmtfa Omjmal Ak 59 tmgua 93=2 tfatmal Dfnun Df nunudm udma, a, Uus Uusua uama ma Krl Krlma` ma`sms sms`, `, ^ul ^ulms ms nma Bua Buals ls`, `, Uf Ufrtm rtm ^mt ^mtm m Dfrhm N`ams Dfsfgmtma d. Sfrm Sfrmturma turma Iupm Iupmt` t` Omjm Omjmal al Akok Akokrr 4
tmgu tmgua a 939 939= = ttfat fatmal mal Yfa Yfaemam emam
Utmrtfl`s N`ams Dfsfgmtma Dmiupmtfa Omjmal ^mgua 939= - 9392 j. Uu Uurm rmtt Df Dfpu putu tusm sma a
Df Dfpm pmjm jm N` N`am ams s Dfs Dfsfg fgmt mtma ma tf tfat atma mal l Yf Yfa aem emam am
Utrmtfl`s N`ams Dfsfgmtma. o. Srmdt Srmdt`d-p `d-prmdt` rmdt`d d tfri tfrim`d m`d ((ifst ifst prmet`efs ) pfafrmpma ft`dm i`sa`s nmjmo nua`m usmgm.
F. U@U^FOM U@U^FOM^@DM ^@DM SFAVJ@UMA Ufhmjma nfalma n`tfri`tdmaaym Sfrmturma Nmjmo Aflfr` Akokr > >>6/ 6/07 076/7/DFS/>9=.3=5/93=> tfatmal Utmtus Susmt Dfsfgmtma Omsy Om symr mrmd mdmt mt Ym Ymwm wmtt @a @amp mp nm nma a Ym Ymwm wmtt @amp @amp Nf Nfal alma ma Sf Sfjm jmym ymam ama a Kistf Ki stftr` tr` Af Afka kamtm mtmjj Fof Fofrlf rlfae aey y Nms Nmsmr mr nfa nfalma lma `h `h`a `a kp kpfrm frms`k s`kamj amj pusdfsoms Akokr 635/=5/@KS/56.363 npj. Mnmpua imtms-imtms w`jmymgaym mnmjmg sfimlm` ifr`dut8 Ufifjmg Vtmrm
8 Dfemomtma Hmiual
Ufifjmg ^`our
8 dfemomtma Smanmawmal`
Ufifjmg Ufjmtma
8 Dfemomtma Dfnualdmanmal
Ufifjmg Imrmt
8 Dfemomtma ^uopmal
5
Mnmp Mn mpua ua Ju Jums ms \` \`jm jmy ymg Ak
865 529 29,< ,,><
>.30
5
Uuoifrdrmnfama
525,=9
2,67
>.
Dfnualrfhk
>57
7,=<
6
Imahmrfhk
55,32
>,65
<
7.
Uuoifrpms`r
5=0,,53
=3.37
==.
Iuautwftma
596,36
2,32
=9
Msr`dmtka
59,>3
==,07
Uuoifr8 Dfemomtma Smd`s nmjmo Maldm 939= omjmaldi.ips.lk.`n Susdfsoms Smd`s sfemrm mno`a`strmt`b ofj`put` =6 nfsm, ym`tu =. Nf Nfs sm ^ ^``rt rtko kok kyk 9. Nf Nfsm sm Om Omal alj` j`mw mwma ma
>
5. Nf Nfsm sm Ump mptk tkrf rfa all llk k >. Nf Nfs sm U Uf fdmr mrp pur urk k 6. Nf Nfsm sm Om Omal alj` j`mw mwma ma 2. Nf Nfsm sm Mo Mopf pfjn jnfa fatk tk . Nfsm Uu Uudkma dkmaymr ymr =6. Nfsm puemalska puemalskalk lk Hmrmd tfopug nfalma d dfanmrmma fanmrmma Nmrmt ua uatud tud mdsfs Susdfsoms df nfsm 8 3,6 do ― =3 do Dmatkr Dmiupmtfa Omjmal
8 =6 do
( 53 ofa`t )
N`ams Dfsfgmtma n` Dfpmahfa
8 53 do
( = hmo )
YU Um`buj Mawmr
8 =6 do
( 53 ofa`t )
YUVN Dfpmahfa
8 53 do
( = hmo )
Dmatkr Dfemomtma
8 9 do
( =3 ofa`t)
Susdfsoms Smd`s ofrupmdma Va`t Sfjmdsmam ^fda`s N`ams Dfsfgmt Dfs fgmtma ma Dmiup Dmiupmtfa mtfa/Dkt /Dktm m Omjma Omjmal l
ymal i ifrtma frtmallua llual l hmwmi
tf tfrgm rgmnmp nmp pf pfay ayfj fjfa fall llmrm mrmma ma upm upmym ym df dfsf sfgmt gmtma ma n` w` w`jmy jmymg mg df dfrhm rhm Susdfsoms Smd`s n` Dfemomtma Smd`s Dmiupmtfa/Dktm Omjmal Ifrnmsmrdma dmrmdtfr` dmrmdtfr`st`d st`d w`jmymg, pusdfsoms Smd`s ofrupmdma Susd Su sdfs fsom oms s dfomo mop puma
dm dmw wms msma ma
pf pfnf nfsm smma ma,,
pfayfjfa jfallmr mrmm mma a
sf sfnm nmal aldm dma a
tfro roms msud ud
pusd pu sdfs fsom oms s Ym Ymwm wmtt @amp @amp.. Su Susd sdfs fsom oms s Sm Smd` d`s s
if ifrn rnms msmr mrdm dma a
nm nmjm jmo o
dmt mtf flk lkr` r`
sf sfsu sum` m` nf nfal alma ma
Sfrofadfs Y@ Akokr ofopuaym` buals` sfimlm`8 =. Sf Sfay ayfj fjfa fall llmrm mrm Vp Vpmym mym Dfsf Dfsfgmt gmtma ma Oms Omsym ymrmd rmdmt mt (V (VDO DO)) t`a t`aldm ldmtt pfrtmom n` w`jmymg dfrhm.
6
9. Sf Sfay ayfj fjfa fall llmr mrm m Vp Vpmy mym m Df Dfsf sfgm gmtm tma a Sf Sfrk rkrm rmal alma ma (V (VDS DS)) t`al t`aldm dmtt pfrtmom n` w`jmymg dfrhm. VS^ Susdfsoms Smd`s Dmiupmtfa/Dktm Omjmal ifrjkdms` n` Hj. Ymym Smd`s Dfoimr Ak. hmo e. Sfjmyma Sfjmymama ma Ym Ymwmt wmt @a @amp mp VS^ Sus Susdf dfso soms ms Smd Smd`s `s hul hulm m of ofjmd jmdsma smamdm mdma a pf pfjmy jmymam mama a ruhudma rmwmt hmjma nma ruhudma Lmwmt Nmrurmt. VDO nma VDS ymal n`jmdsmamd n`jmdsmamdma ma kjfg Susdfsom Susdfsoms s Smd`s tfjmg n`dfoima n`dfoimaldma ldma ofjmju` ifrimlm` `akvms` uatud ofahmaldmu sfjurug omsymrmdmt n`
w`jmymg
dfrhm.
Ififrmpm
`akvms`
VDO
ymal
tfjmg
n`dfoimaldma matmrm jm`a8 - Jmsfr`a Uflmr kjfs(Jmsfr`a Uflmr Kjfs (Jm (Jmas`m as`m sf sfgmt gmt rut ut`asf `asfamo amo nfalma nfal ma ef efd d lujm nmr nmrmg mg nma dkjfs dkjfstfrkj tfrkj lrmt`s) nfalma ofaudmr smopmg ymal i`sm n`nmur ujmal sfg`allm i`sm ofallmat` i`mym pfofr`dsmma. Ufnmaldma `akvms` Vsmgm Dfsfgmtma Sfrkrmalma nma Sfauahmal ofop of opua uaym ym``
`a `akv kvms ms``
pf pfan anmb mbtm tmrm rma a
Ka Kaj` j`af af
ua uatu tud d
of ofal alur urma mal` l`
matr`ma nma ofounmgdma mdsfs pfjmymama Ufnmaldma
pmnm
pfrkrmal pfrk rmalma,S ma,Susdf usdfsoms soms S Smd`s md`s
pfjmymama
dfsfgmtma
tfrn tfrnmpmt mpmt p pfjmy fjmymama mama d dfsfg fsfgmtma mtma
nmsmr aka rmwmt `amp sfpfrt` pfofr`dsmma dfsfgmtma uouo nma pfofr`dsmma dfsfgmtma l`l`, sfrtm ifrmafdm rmlmo jmymama ymal n`tmwmrdma dfpmnm pfjmallma pusdfsoms matmrm jm`a8 -
Jm Jmym ymam ama ad dfs fsfg fgmt mtma ma Jm Jmah ahut ut Vs Vs`m `m Kaf Utkp Ufrv`ef
-
Jm Jmym ymam ama ad dfs fsfg fgmt mtma ma ma mamd md (O (O^I ^IU) U)
-
Jmy Jmymama mama dfs dfsfgmt fgmtma ma pfa pfaymd` ymd`tt o ofauj faujmr mr ^ ^uifr uifrdujk dujks`s s`s nma Dust Dustm m nfalma ofalmdkoknms` pfjmymama tfrgmnmp pms`fa ^I-ONY
-
Jm Jmyma ymama ma df dfsf sfgmt gmtma ma @ab @abfd fds` s` Ofa Ofaujm ujmrr Ufd Ufdsum sumjj (@OU (@OU)) tfro tfromsu msud d pfjmdsmamma pfofr`dsmma G@R
-
Dka Dkasfj sfj`al `al l`z l`z`,tf `,tfatma atmal l dfs dfsfgmt fgmtma ma j`a j`aldua ldualma, lma,bmrom bmroms` s`
7
-
Jmy Jmymam mama a dka dkasuj sujtms tms`` l`z` nm nma a dkas dkasfj fj`a `al l MU@ uatu uatud d tmtm tmtmjmd jmdsma smam m l`z`
pmn mnm m
imj` mj`tm,
`iu
gmo mo`j `j,,
`iu `iu
ofayus usu` u`,,
lma mal llu luma ma
oftmikj`d,, nma jmahut us oftmikj`d us`m `m Susdfsoms Smd`s hulm ofjmdudma pfjmymama lmwmt nmrurmt 9> hmo, rmwmt `amp t`aldmt pfrtmom nma Ymw mwmt mt @amp @amp.. Ufjm`a m`a `tu `tu pfjmy mym mama dfsfgmt mtma ma n` Susdfsom Susd fsoms s hul hulm m n`tu n`tuahm ahmal al nfa nfalma lma dfj dfjfal faldmpm dmpma a pfj pfjmyma mymama ma pfauahmal sfpfrt` jmikrmtkr`uo ymal n`jfaldmp` pfofr`dsmma nfalma mjmt ymal ouopua` nma bmroms`.
0
I. LMOIMYMA KYLMA@UMU@ SVUDFUOMU =. Utrudtu Utrudturr Krlma`sms` nma ^ulms Skdkd nma Buals`
Utrud Utrudtur tur krl krlma` ma`sms sms`` VS VS^ ^ Sus Susdf dfoms oms Smd Smd`s `s Dmi Dmiupm upmtfa tfa/Dk /Dktm tm Omjmal tfrn`r` nmr`8 m. Df Dfpm pmjm jm S Sus usdf dfso soms ms i. Df Dfpm pmjm jm Uui Im Iml` l`ma ma ^m ^mtm tm Vs Vsmg mgm m yma mal l if ifrt rtma mall llua ualh lhmw mwmi mi ofoimatu Dfpmjm Susdfsoms nmjmo pfalfjkjmma Dfumalma, Vouo nma Dfpflmwm`ma sfrtm Sfrfaemamma nma Sfjmpkrma s`stfo @abkroms` Susdfsoms. ^frn`r` nmr`4 =) Sf Sfjmd jmdsma smam mD Dfum fumal alma8 ma8 - Sfjmdsm Sfjmdsmam am Ifa Ifanmgm nmgmrm rm Sfa Sfafr`o fr`omma mma Sfoi Sfoimatu matu - Sfjmdsm Sfjmdsmam am Ifa Ifanmgm nmgmrm rm Sfa Sfalfju lfjumrma mrma Sfoi Sfoimatu matu - Mduatma
=3
- Dms`r 9) Sfj Sfjmdsm mdsmam am V Vouo ouo nma Dfp Dfpflmw flmwm`ma m`ma 5) Sfj Sfjmdsm mdsmam am U` U`stfo stfo @@abkr abkroms` oms` S Susdf usdfsoms soms e. Sfa Sfamall mallual ual Hmw Hmwmi mi Vpmy Vpmym m Dfsfg Dfsfgmtma mtma Oms Omsymrm ymrmdmt dmt (VD (VDO) O) nma Sfrmwmtma Dfsfgmtma Omsymrmdmt (Sfrdfsoms) Sfam Sf amal allu lual al jmwm jmwmi i Vp Vpmy mym m Df Dfsf sfgm gmtm tma a Om Omsy symr mrmd mdmt mt (V (VDO DO)) ifrtm if rtmal allua lual l hmw hmwmi mi of ofoim oimat atu u Df Dfpmj pmjm m Sus Susdf dfsom soms s nmj nmjmo mo ofaldkk ofa ldkkrn`a rn`ams`d ms`dma ma dfl` dfl`mtma mtma Sfj Sfjmdsm mdsmam am Vpmy Vpmym m yma ymal l tfri tfriml` ml` nmjmo8 =) Vpm Vpmym ym Dfs Dfsfgmt fgmtma ma O Omsy msymrmdm mrmdmtt (VDO) (VDO) Fsf Fsfas` as`mj mj m) Dk Dkkrn krn`a `amtk mtkrr Jmy Jmymam mama a Srk Srkoks oks`` Dfs Dfsfg fgmtm mtma a i) Dkkr Dkkrn`a n`amtkr mtkr Jmym Jmymama ama Dfs Dfsfgmt fgmtma ma J`al J`aldual dualma ma e) Dk Dkkr krn` n`am amtk tkrr J Jmy myma mama ma L` L`z` z` n) Dkkrn`amtkr jmymama Dfjumrlm Ifrfaemam
Dfsfgmtma
@iu,
-
Sf Sfjm jmds dsma mam m Df Dfsf sfgt gtma mama ma @@iu iu n nma ma m mam amd d
-
Sfjmd mds sma mam m
Dfjum jumrlm rlm
Ifrfa rfaema mam m
Mamd
nma
nma dfsfg fgmt mtma ma
rfprknuds` -
Sf Sfjmd jmdsma smam mD Dfs fsfg fgmtm mtma a Vs Vs`m `m Mam Mamd d Uf Ufdk dkjmg jmg
f) Dk Dkkrn krn`a `amtk mtkrr Jmy Jmymam mama a Sf Sfae aefl flmgm mgma a nma Sf Sfal alfa fanmj nmj`ma `ma Sfaymd`t -
Sf Sfjmd jmdsma smam m Sf Sfae aefl flmgm mgma a Sf Sfay aymd` md`tt ^ui ^uifrd frdujk ujks` s`s s
-
Sf Sfjm jmdm dmam am S Sfa faef eflm lmgm gma a Sf Sfay aymd md`t `t Du Dust stm m
-
Sfjmd mds sma mam m @@o oua ua``sms ms``
-
Sfjmd mds sma mam m Uu Uurv rvf f`jma jmas
-
Sf Sfjm jmds dsma mam m Sf Sfae aefl flmg mgma ma Sfa Sfaym ymd` d`tt Nf Nfom omo o If Ifrn rnmr mrma ma Nfaluf (NIN)
-
Sf Sfjmd jmdsma smam m Sf Sfae aefl flmgm mgma a Sf Sfay aymd` md`tt @U @USM' SM'/N` /N`mrf mrf
-
Sf Sfjmd jmdsma smam mS Sfa faef eflmg lmgma ma Sf Sfay aymd` md`tt G G@R@R-M@N M@NU U
-
Sf Sfjm jmds dsma mam m Sf Sfae aefl flmg mgma ma Sf Sfay aymd md`t `t ^` ^`nm nmd d Of Ofa auj ujmr mr (S^O)
-
Sf Sfjm jmds dsma mam mD Dfs fsfg fgmt mtma ma h` h`w wm
==
b) Dkkrn`amtkr
Jmymama
Sfrmwmtma
Dfsfgmtma
Omsymrmdmt 9) Vpm Vpmym ym D Dfsfg fsfgmtma mtma Omsy Omsymrmdm mrmdmtt ((VDO) VDO) Sfa Sfalfoi lfoimalm malma a m) Dkkrn`amtkr
Jmymama
Dfsfgmtma
Omsymrmdmt i) Dkkrn krn`amt `amtkr kr
Jmy myma mama ma
Dfsfgmt mtma ma
L`l`
nma
Oujut
^rm rmn n`s`k `ka amj
nma
Dkopjfofatfr e) Dkkr Dkkrn`a n`amtkr mtkr Jmym Jmymama ama Dfs Dfsfgmt fgmtma ma D Dfrhm frhm nma Kjmg Yml Ymlm m n) Dk Dkkrn krn`a `amtk mtkrr Jmy Jmymam mama a Dfs Dfsfg fgmtm mtma a @an @anfrm frm f) Dkkr Dkkrn`a n`amtkr mtkr jmym jmymama ama Dfs Dfsfgmt fgmtma ma V Vs`m s`m Jmah Jmahut ut ((Vs`j Vs`jm) m) b)
Dk Dkkrn krn`a `amtk mtkrr J Jmy mymam mama aD Dfs fsfg fgmtm mtma aO Omtr mtrm/G m/Gmh` mh`
l) Dkkr Dkkrn`a n`amtkr mtkr Jmym Jmymama ama Sfa Sfalmwm lmwmsma sma Kimt Kimt/Dfb /Dfbmroms mroms`ma `ma g) Dk Dkkrn krn`a `amtk mtkrr Jmy Jmymam mama a Dfs Dfsfg fgmtm mtma a H`w H`wm m n. Sf Sfam amal allu lual al Hm Hmwm wmi i Vp Vpmy mym m Df Dfsf sfgm gmtm tma a Sf Sfrk rkrm rmal alma ma (V (VDS DS), ), Dfbmroms`ma nma Jmikrmtkr`uo =) Dkkrn Dkkrn`amt `amtkr kr Jmymama Jmymamama ma Yumal Sfan Sfanmbtmr mbtmrma, ma, Mno`a Mno`a`str `strms` ms` nma Yfdmo Ofn`s 9) Dkkrn Dkkrn`amt `amtkr kr Jmym Jmymama ama Yu Yumal mal Sf Sfofr` ofr`dsmm dsmma a Vouo 5) Dkkrn Dkkrn`amt `amtkr kr Jmyma Jmymama ma Yumal Sf Sfofr` ofr`dsmm dsmma a Jmahu Jmahutt Vs`m >) Dkkrn Dkkrn`amt `amtkr kr Jmyma Jmymama ma Dkas Dkasfj`a fj`al l L`z` nma Uma` Uma`tms` tms` 6) Dkkrn Dkkrn`amt `amtkr kr Jmyma Jmymama ma Yumal Sf Sfofr` ofr`dsmm dsmma a O^IU/ O^IU/Mamd Mamd 2) Dkkrn Dkkrn`amt `amtkr kr Jmym Jmymama ama Yu Yumal mal Sf Sfofr` ofr`dsmm dsmma a L`l` Hm Hmo o =5) Dkkrn Dkkrn`amt `amtkr kr Jmy Jmymama mama Ymw Ymwmt mt @a @amp mp =>) Dkkrn Dkkrn`amt `amtkr kr Jmym Jmymama ama D Dmomr momr I Ifrsm frsmj`a j`a
=9
f. Sfamallual Susd Su sdfs fsom oms s
Hmwmi nm nma a
Hmr`alma
Hf Hfhm hmr` r`al al
nma
Bm Bms` s`j` j`tm tms s
Hfhmr`al
Sfjmymama
Sf Sfjm jmym ymam ama a
Df Dfsf sfgm gmtm tma a
(Bmsymadfs) =) Sus Susdf dfsom soms sS Sfo foima imatu tu -
Sf Sfama amallu llual al Hm Hmwmi wmi S Susd usdfs fsoms oms S Sfo foima imatu tu Ump Umptkr tkrfa fall llk k Sf Sfama amallu llual al H Hmw mwmi mi Su Susd sdfs fsoms oms S Sfo foima imatu tu Im Imah ahmrf mrfhk hk
9) Skan Skankd kd Df Dfsfg sfgmtma mtma N Nfsm fsm ((Skad Skadfsnf fsnfs) s) - Sfamallual Hmwmi Skadfsnfs ^`rtkokyk - Sfamallual Hmwmi Skadfsnfs Omalj`mwma - Sfamallual Hmwmi Skadfsnfs Ufdmrpurk - Sfamallual Hmwmi Skadfsnfs Mopfjnfatk - Sfamallual Hmwmi Skadfsnfs Msr`dmtka - Sfamallual Hmwmi Skadfsnfs Iuautwftma - Sfamallual Hmwmi Skadfsnfs Dfnualrfhk - Sfamallual Hmwmi Skadfsnfs Uuoifrdrmnfama - Sfamallual Hmwmi Skadfsnfs Smd`shmhmr - Sfamallual Hmwmi Skadfsnfs Smd`sdfoimr - Sfamallual Hmwmi Skadfsnfs Uudkmaymr - Sfamallual Hmwmi Skadfsnfs Uuoifrpms`r - Sfamallual Hmwmi Skadfsnfs Suemalskalk Vrm`ma tulms oms`al-oms`al strudtur ymal tfrnmpmt nmjmo imlma krlma`sms` sfpfrt` n`urm`dma n` mtms mnmjmg sfimlm` ifr`dut8 m. Dfpm Dfpmjm jm VS VS^ ^ Sus Susdfso dfsoms ms of ofopua opuaym` ym` ttulms ulms88 -
Of Ofay ayusu usua a rf rfae aema mam m df dfl` l`mtm mtma/r a/rfa faema emam m df dfrhm rhm V VS^ S^
-
Of Ofay ayusu usua a nm nma a of ofaf aftmp tmpdma dma dfi dfi`h `hmdm mdma a tf tfda da`s `s V VS^ S^
-
Of Ofay ayus usua ua nm nma a of ofaf aftm tmpd pdma ma dfi dfi`h `hmd mdma ma kp kpfr frms ms`k `kam amjj nma d`afrhm VS^
-
Ofayusua
nma
ofaftmpdma
dfi`hmdma
outu
pfjmymama VS^ -
Of Ofjm jmds dsma mamd mdma ma
pf pfjm jmym ymam ama a
df dfsf sfgm gmtm tma a
pf pfrk rkrm rmal alma ma
t`aldmt pfrtmom
=5
-
Of Ofjm jmds dsma mamd mdma ma
pf pfjm jmy yma mama ma df dfsf sfgm gmtm tma a
om omsy symr mrmd mdmt mt
t`aldmt pfrtmom -
Of Ofjmd jmdsma smamdm mdma a pf pfoi oi`a `amma mma d dfs fsfg fgmtm mtma a om omsy symrm mrmdmt dmt
-
Of Ofjmd jmdsma smamdm mdma a df dfl` l`mtm mtma a om omam amhf hfof ofa a Sus Susdf dfso soms ms
-
Ofjmdsmamdma pfalfanmj`ma nma pfjmdsmamma akrom, stmanmr, pfnkoma nma pftuahud kpfrms`kamj n` i`nmal pfjmymama dfsfgmtma nmsmr nma dfsfgmtma omsymrmdmt
-
Of Ofjmd jmdsma smamdm mdma a pf pfoma omatmu tmuma ma,, fvm fvmjum jums` s` n nma ma pf pfjmp jmpkrm krma a dfl`mtma VS^
i. Dfp Dfpmjm mjm Uui I Iml`m ml`ma a ^mtm us usmgm mgm ofo ofopuay puaym` m` tul tulms8 ms8 -
Of Ofay ayusu usua a rfa rfaema emam m dfl dfl`mt `mtma ma U Uui ui Im Iml` l`ma ma ^m ^mtm tm V Vsmg smgm m
-
Of Ofay ay`m `mpd pdma ma img imgma ma img imgma ma pfj pfjmd mdsm smam amma ma dfl dfl`m `mtm tma a n` i`nmal pfj i`nmal pfjmyma mymama ma dfs dfsfgmt fgmtma ma nmsm nmsmrr nma pfj pfjmyma mymama ma dfsfgmtma omsymrmdmt
-
Ofay`mpdma
imgma
imgma
pfjmdsmamma
pfal pf alfa fanmj nmj`ma `ma nma pf pfjmd jmdsma smamma mma akr akrom, om, stman stmanmr, mr, pfnk pf nkom oma, a, nm nma a pfjmymama
pf pftu tuah ahud ud
dfsfgmtma
kp kpfr frms ms`k `kam amjj nmsmr
nma
n` i`nm i`nmal al pfjmymama
dfsfgmtma omsymrmdmt -
Ofayusua
Sfnkoma
Dfrhm,
Skjm
^mtm
Dfrhm,
Srksfnur nma @an`dmtkr Dfrhm Susdfsoms -
Ofjmdsmamdma dfpflmwm`ma, mno`a`strms`
mno`a`strms` surmt
ofayurmt,
uouo,
dfumalma, dfmrs`pma, pfrpustmdmma,
dfruo df ruomgt mgtma mall llmma mma,, prm prmsmr smrmam mam,, nma sm smrma rmam m sf sfrtm rtm guiualma omsymrmdmt -
Ofjmdsmamdma
pfjmymama
mno`a`strmt`b
nma
buals`kamj n` j`aldualma VS^ -
Ofjmd jmdsma mamd mdma ma dfl`mt mtma ma out utu u
mn mno` o`a a`strms trms``
nma
omamhfofa VS^
=>
-
Ofayus usua ua jmp mpkr krma ma d`afrh rhm m nma jmp mpk krm rma a tmg mgua uama ma VS^
-
Ofjmdsmamdma
pfomatmuma,
fvmjums`,
nma
pfjmpkrma dfl`mtma Uui Iml`ma ^mtm Vsmgm e. Sf Sfama amall llual ual jmw jmwmi mi VD VDO O - Of Ofal aldkk dkkrn` rn`ams ams`dm `dma a df dfl` l`mtm mtma a VD VDO O VS VS^ ^ Su Susd sdfso fsoms ms -
Of Ofjm jmdu dudm dma a
ok oka` a`tk tkr` r`al al/p /pfo foma matm tmum uma a
pf pfjm jmds dsma mamm mma a
dfl`mtma, dfpmtugma prksfnur nma mamj`s`s dfl`mtma VDO -
Ofjmdudma fvmjums` empm`ma d`afrhm nma outu dfl`mtma VDO
-
Of Ofjmp jmpkrd krdma ma df dfpmn pmnm mD Dfp fpmjm mjm VS VS^ ^S Susd usdfs fsoms oms
n. Sf Sfama amall llual ual Hmw Hmwmi mi V VDS DS -
Of Ofal aldkk dkkrn` rn`ams ams`dm `dma a df dfl` l`mtm mtma a VD VDS S VS VS^ ^ Su Susd sdfs fsoms oms Of Ofjm jmdu dudm dma a ok oka` a`tk tkr` r`al al/p /pfo foma matm tmum uma a pf pfjm jmds dsma mamm mma a pfjm pf jmym yma ama ma,,
df dfpm pmtu tugm gma a
pr prks ksfn fnur ur
nm nma a
ma mamj mj`s `s`s `s
dfl`mtma pfjmymama VDS -
Ofjmdudma fvmjums` empm`ma d`afrhm nma outu pfjmymama VDS
-
Of Ofjmp jmpkrd krdma ma df dfpmn pmnm mD Dfp fpmjm mjm VS VS^ ^S Susd usdfs fsoms oms
f. Sfa Sfamall mallual ual H Hmwmi mwmi Hmr`a Hmr`alma lma n nma ma Hf Hfhmr` hmr`al al -
Ofaldkkrn`ams`dma
dfl`mtma VDO nma VDS
n`
hmr`alma pfjmymama pfjmymama d dfsfgmtma fsfgmtma -
Of Ofjm jmdu dudm dma a
ok oka` a`tk tkr` r`al al/p /pfo foma matm tmum uma a
pf pfjm jmds dsma mamm mma a
dfl`mtm dfl `mtma a VDO nma VDS VDS,, dfp dfpmtug mtugma ma prks prksfnur fnur nma mamj`s`s
dfl`mtma
VDO
nma
VDS
n`
hmr`alma
pfjmymama dfsfgmtma -
Of Ofjmd jmdudm udma a fv fvmju mjums` ms` emp empm`m m`ma a d` d`af afrhm rhm nma out outu u VD VDO O nma VDS n` hmr`alma pfjmymama dfsfgmtma
-
Ofjmd jmdud udma ma
ok oka a`tkr `tkr``al
nma
fvmjum mjums s`
pfjmy myma mama ma
dfsfgmtma n` hfhmr`al pfjmymama dfsfgmtma -
Of Ofjmp jmpkrd krdma ma df dfpmn pmnm mD Dfp fpmjm mjm VS VS^ ^S Susd usdfs fsoms oms
=6
b. Sf Sfjmd jmdsm smam am Sf Sfrfa rfaema emamma mma n nma ma S Sfj fjmpk mpkrma rma -
Of Ofay ay`m `mpd pdma ma img imgma ma,, nk nkdu duof ofa, a, dfi dfi`h `hmd mdma ma nma gms gms`j `j dfl`mtma nmjmo pfayusuama pfrfaemamma dfl`mtma VS^ Susdfsoms/Sfrfaemamma ^`aldmt Susdfsoms
-
Ofayusua Sfnkoma Dfrhm, Srksfnur Dfrhm nma Dfrm rma aldm Me Meum uma a Dfl`mt mtma ma Sfrfae rfaema mamm mma a nma Sfjmpkrma
-
Of Ofjmd jmdudm udma a ma mamj` mj`s` s`s s img imgma ma p pfrf frfae aemam mamma ma df dfl` l`mtm mtma a
-
Of Ofay ayus usua ua Yfa Yfaem emam am Vsu Vsujm jma a Df Dfl` l`mt mtma ma nma Yf Yfae aema mam m Sfjmdsmamma Dfl`mtma Susdfsoms
-
Of Ofay ayusu usua a fv fvmju mjums` ms` nma jmp jmpkrm krma a gm gms`j s`j df dfl`m l`mtma tma
-
Of Ofjmp jmpkrd krdma ma df dfpmn pmnm mD Dfp fpmjm mjm VS VS^ ^S Susd usdfs fsoms oms
l. Sf Sfjm jmds dsma mam m Dfu Dfuma malm lma a -
Ofay`mpdma imgma, nkduofa pfrfaemamma dfumalma
-
Ofayusua
Sfnkoma
Dfrhm,
nma
Srksfnur
dfi`hmdma Dfrhm
nma
Dfrmaldm Meuma Dfl`mtma pfalfjkjmma dfumalma -
Ofayusua
pfrfaemamma
dfl`mtma
pfalfjkjmma
dfumalma -
Ofjmdsmamdma
dfl`mtma
pfalfjkjmma
nma
pfalmno`a`strms`ma dfumalma -
Ofa Ofayus yusua ua fv fvmju mjums` ms`,, mam mamj`s j`s`s `s n nma ma jm jmpkr pkrma ma df dfuma umalma lma
-
Ofj Ofjmpk mpkrdm rdma ad dfp fpmnm mnm Dfp Dfpmjm mjm VS VS^ ^S Susd usdfs fsoms oms
g. Sfjm Sfjmdsma dsmam m Vouo nma D Dfpfl fpflmwm` mwm`ma ma -
Ofay`mpdma
imgma,
nkduofa
nma
dfi`hmdma
pfrfa pf rfaema emamma mma dfp dfpfl flmwm mwm`ma `ma,, sm smrma rmam m prm prmsmr smrma mam m nma mno`a`strms` uouo -
Ofayusua Dfrm Df rmal aldm dm
Sfnkoma Me Meum uma a
Dfrhm,
Df Dfl` l`mt mtma ma
Srksfnur
Dfrhm
df dfpf pflm lmwm wm`m `ma, a,
nma
sm smrm rmam am
prmsmrmam nma mno`a`strms` uouo
=2
-
Ofayusua
pfrfaemamma
dfl`mtma
pfalfjkjmma
dfpf df pflmw lmwm`m m`ma, a, smr smrma mam m prm prmsmr smrmam mam nma mno mno`a `a`s `strm trms` s` uouo -
Ofj Ofjmds mdsmam mamdma dma d dfl fl`mt `mtma ma pf pfjmy jmyma mama ma df dfpf pflmw lmwm`m m`ma a nma
-
mno`a`strms` uouo Of Ofjm jmdu dudm dma a ma mamj mj`s `s`s `s df dfpf pflm lmwm wm`m `ma, a, sm smrm rmam am pr prms msmr mrma mam m nma mno`a`strms` uouo
-
Of Ofa ayu yusu sua a Yf Yfae aema mam m Vs Vsuj ujma ma Df Dfl` l`mt mtma ma nm nma a Yf Yfa aem emam am pfjmdsmamma
Dfl`mtma
dfpflmwm`ma,
smrmam
prmsmrmam nma mno`a`strms` uouo -
Ofjmdudma
fvmjums`
nma
jmpkrma
dfpflmwm`ma,
smrmam prmsmrmam nma mno`a`st mno`a`strms` rms` uouo -
Ofj Ofjmpk mpkrdm rdma ad dfp fpmnm mnm Dfp Dfpmjm mjm VS VS^ ^S Susd usdfs fsoms oms
`. Sf Sfam amal allu lual alhm hmwm wmi i VDO Of Ofo oium umtt Sfrfa rfaema mamm mma a dfl`mt `mtma VDO im im``d hma mal ldm Smahma Sma hmal l ( 6 tmg tmguam uama) a),of ,ofafa afalmg lmg ( ^mg ^mguam uama) a),nm ,nma a Hmaldm pfanfd pfanfd (Iujma (Iujmama) ma) -
Of Ofjm jmdu dudm dma a Ok Oka` a`tk tkr` r`al al n nma ma F Fvm vmju jums ms`` sf sfem emrm rm i ifr frdm dmjm jm pmnm sft`mp dfl`mtma VDO
-
Ofafatudma @an`dmtkr Outu Sfjmymama VDO n` Susdfsoms Smd`s
h. Sfjmdsma Sfjmdsmam m VDO -
Ofay`mpdma
imgma,
nkduofa
nma
dfi`hmdma
pfrfaemamma dfl`mtma VDO -
Ofa Ofayus yusua ua S Sfn fnkom koma a Df Dfrhm rhm nma Srk Srksf sfnur nur Df Dfrhm rhm VDO
-
Of Ofa ayu yus sua pfrfae rfaema mam mma dfl`mt mtma ma VDO DO,,
Yfaema mam m
Vsujma Dfl`mtma, Yfaemam Sfjmdsmamma Dfl`mtma nma Dfrmaldm Meuma Dfl`mtma VDO -
Ofoiumt Jmpkrma Gms`j Dfl`mtma n` wmdtu ymal sunmg sun mg n`tfa n`tfatud tudma ma nma if ifrtm rtmal allua lualh lhmw mwmi mi df dfpmn pmnm m oms`al9 pfoflmal prklrmo
=<
-
Ofj Ofjmds mdsmam mamdma dma fv fvmju mjums` ms` gm gms`j s`j df dfl`m l`mtma tma
d. Sf Sfama amall llual ual Hm Hmwm wmi i Yuma Yumal l VDS -
Of Ofa ald ldk kkrn krn`ams ms``dma dfl`m l`mtma tma pfjmym jmyma ama n`
ru ruma mal l
pfjmymama -
Ofay`mpdma imgma, nkduofa pfrfaemamma dfl`mtma pfjmymama
nam
dfi`hmdma
-
Ofayusua pfnkoma dfrhm ru rum mal pfjmymama nma prksfnur dfrhm pfjmymama
-
Of Ofa ayu yus sua rfa rfaema mam m dfiut utug ugma ma smr mrma mam m dfrh rhm, m, mjmt mjmt dfrhm nma imgma dfrhm
-
Of Ofjm jmds dsma mamd mdma ma pf pfof ofau augm gma a `a `an` n`dm dmtk tkrr ou outu tu,, d`af d`afrh rhm m nma fvmjums` gms`j dfl`mtma pfjmymama
j. Sf Sfjm jmds dsma mam mS Sfj fjmy myma mama ma VD VDS S -
Ofa Ofay`m y`mpd pdma ma i imgm mgma an nma ma m mjm jmtt d dfrh frhm mp pfjm fjmyma ymama ma Of Ofjm jmds dsma mamd mdma ma df dfl` l`mt mtma ma pf pfjm jmym yma ama sf sfsu sum` m` nf nfa alm lma a prksfnur ymal ifrjmdu
-
Ofj Ofjmdu mdudma dma p pfa faemt emtmtm mtma a nma p pfj fjmpk mpkrma rma g gms` ms`jj dfl dfl`mt `mtma ma pfjmymama
-
Ofjmpkrdma
gms`j
dfl`mtma
dfpmnm
pfamallual
Hmwmi pfjmymama pfjmymama o. Sfamall Sfamallual ual Hmwmi Sus Sustu tu nma Skad Skadfsnfs fsnfs -
Ofay`mpdma
imgma,
nkduofa
nma
dfi`hmdma
pfrfaemamma dfl`mtma pfjmymama -
Ofa Ofayus yusua ua Sf Sfnko nkoma ma D Dfrh frhm mn nma ma Srk Srksf sfnur nur Df Dfrhm rhm
-
Of Ofay ayus usua ua pf pfrf rfae aema mamm mma a df dfl` l`mt mtma ma,, Yf Yfae aema mama ma Vs Vsuj ujma ma Dfl` Df l`mt mtma ma,,
Yf Yfae aema mam m
Sf Sfjm jmds dsma mamm mma a
Df Dfl` l`mt mtma ma
nm nma a
Dfrmaldm Meuma Dfl`mtma -
Ofa Ofaldk ldkkrn krn`a `ams` ms`dma dma df dfl`m l`mtma tma pf pfjmy jmymam mama a
-
Ofj Ofjmds mdsmam mamdma dma fv fvmju mjums` ms` gm gms`j s`j df dfl`m l`mtma tma
-
Ofj Ofjmpk mpkrdm rdma ad dfp fpmnm mnm Dfp Dfpmjm mjm VS VS^ ^S Susd usdfs fsoms oms
a. Sfjm Sfjmdsma dsmam m Sfjmy Sfjmymama mama S Sustu ustu nma S Skadf kadfsnfs snfs -
Ofa Ofay`m y`mpd pdma ma i imgm mgma an nma ma m mjm jmtt d dfrh frhm md dfl` fl`mtm mtma a
=7
-
Ofj Ofjmds mdsmam mamdma dma d dfl` fl`mtm mtma a sf sfsum sum`` nfa nfalma lma p prks rksfn fnur ur yma ymal l ifrjmdu
-
Ofj Ofjmdu mdudma dma p pfa faemt emtmtm mtma a nma p pfjm fjmpk pkrma rma gms gms`j `j df dfl`m l`mtma tma
-
Ofjmpkrdma
gms`j
dfl`mtma
dfpmnm
Sfamallual
Hmwmi 9) Uuoifr Nmym Nmym Sus Susdfsoms dfsoms m) Uuoifr Nmym Omaus`m Uuoifr Nmym Omaus`m n` Susdfsoms Smd`s ofj`put` tfaml tfamlm m dfsfgmtma nma tfamlm aka dfsfgmtma. Susdfsoms Smd`s sunmg ofofaug` tfamlm nkdtfr, nkdtfr l`l`, mpktfdfr, pfrfdmo ofn`s, mamj`s ofn`s, ms`stfa mpktfdfr sma`tmr`ma nma autr`ska`s. ^ftmp` oms`g oms `g mnm df dfdur durma malma lma huo huojm jmg g nkd nkdtfr tfr,, huo huojmg jmg i` i`nma nma,, tfa tfaml mlm m mno`a`strms`, tfamlm dfifrs`gma nma skp`r. Ufiml`ma ifsmr tfamlm oms`g ifrstmtus aka SAU. Ifr`dut `a` prkb`j dftfamlmma n` Susdfsoms Smd`s
^mifj 9.= Uuoifr Nmym Omaus`m Dfsfgmtma nma Aka Dfsfgmtma Susdfsoms Smd`s
Ak Hfa`s ^famlm Huojmg Nkdtfr L`l` = Nkdtfr L`l` Nkdtfr Vouo Nkdtfr Vouo Nkdtfr 9 Vouo 5 I`nma Nf Nfsm I`nma dgusus Hmlm > Dmifr 5 Ug`bt 6 I`nma
Utmtus
9 =
S^^ SAU
5
SAU
=
S^^
Sfrg`tualma Utmanmr Mamj`s`s Dfiutugma Ifi Ifima ma Dfr Dfrhm hm Dfdurm Dfdurmalm alma a 9
9
3
= =3 6
IJVN SAU IJVN
6
6
3
=6
=6
3
3 =3
3 SAU
< =3
3 =3
< 3
Susdfsoms
=0
@anud Sfrmwmt 2 Ymwmt @amp < Sfrmwmt Nfsm 7 Sfrmwm mwmt VLN 0 Sfrmwmt L`l` Sfrmwmt Skj` uouo & =3 Jmas`m == Autr`s`ka`s =9 Dfsj`al =5 Srkodfs => Yfdmo Ofn`s Mno`a`strms` =6 Dfumalma =2 Dms`r Mno`a`strms` Vouo Mno`a`strms` Vouo Mno`a`strms` =< Vouo =7 Nr`v Nr`vfr fr =0 Ueur`ty 93 Mpktfdfr Ms`stfa 9= Mpktfdfr Sftulms 99 Jmikrmtkr`uo Ms`stfa Srmamtm 95 Jmikrmtkr`uo Huojmg
= 9 =6 2 = 9
SAU IJVN S^^ IJVN SAU SAU
< =6
5 =6
> 3
=3 9
< 9
5 3
9 = = = =
SAU SAU SAU IJVN IJVN
5 9 9 9 9
9 = = = =
= = = = =
= =
IJVN SAU
5 =
= =
9 3
6
IJVN
2
6
=
9
S^^
9
=
=
5 = = = =
SAU SAU IJVN IJVN SAU
5
5
3
9 9 =
9 = =
9 = 3
=
SAU
=
=
3
=
IJVN
9
=
=
=
IJVN
=
=
3
=36
77
9>
72
SAU >=, IJVN 92 , D9 9,Skadfsnfs =6
Uuoifr 8 Susdfsoms Smd`s
93
i) Uuoifr Nmym Dfumalma Uuoi Uu oifr fr nm nmym ym df dfum umal alma ma pu pusd sdfs fsom oms s Sm Smd` d`s s if ifrm rmsm smjj nm nmr` r` Dmp`tms` HDA Susdfsoms, Djm`o Aka Dmp`tms`,Kprfms`kamj IJVN nma Im Imatu atuma ma Kpf Kpfrms rms`ka `kamj mj Dfs Dfsfg fgmtm mtma. a. Nma Nmam m kpr kprms` ms`ka kamj mj yma ymal l n`nmp n`nmpmtd mtdma ma nmr nmr`` IKD Va Vatud tud df dfl` l`mtm mtma a VDO nma oms oms`g `g sm smal almt mt n`iut n`iutugd ugdma ma ua uatud tud ofo ofoima imatu tu sf sfiml iml`ma `ma df dfl` l`mtm mtma a Sus Susdf dfsom soms s sfnmaldma
uatud
Kpfrms`kamj
IJVN
uatud
ifjmahm
Sflmwm`, Sfl mwm`,ifjm ifjmahm ahm Oknm Oknmj,If j,Ifima ima Kpfr Kpfrms`k ms`kamj amj nma Sfof Sfofj`g j`gmrmma mrmma.. Ifr`dut ofrupmdma rfmj`sms rfmj`sms`` dfuma dfumalma lma S Susdfsoms usdfsoms Smsd`s
nmr`
ifrimlm` suoifr nmam8
^mifj 9.9 Uuoifr Nmym Dfumalma Susdfsoms Smd`s Yfmj`sms` Dfumalma Susdfsoms Smd`s
Uuoifr Ak
Nmam
93=<
93=7
93=0
9393
939=
=
YF^Y@IVU@
Yp 9> 9>=, =,>9 >93, 3,=5 =59. 9.50 50
Yp 2= 2=>, >,20 202, 2,,663.33
9,09 >5 >> >6 >2 ><
Mjmt dkoua`dms` Hmr`alma @atfraft Uuoifr M`r Ifrs`g Jmptkp Dkoputfr Sr`atfr
= = = 9> < =6
= = = 9> < =6
>7 >0 63 6= 69 65
Ofhm Dfrhm Durs` Dfrhm Durs Durs`` ^ual ^uallu lu ^fopmt Eue` ^malma
63 63
63 63
=
=
> > 5 9 = 5 =
> > 5 = 3 9 =
= sfatrmj
= im`d
= = = = = =
= = = = = =
= = = =
= = = =
= =
= =
> = = =
5 = = =
= =
= =
Uft pfofr`dsmma uouo - spgylokomakoftfr/tfas`oftfr - stftksdkp - oimalma nfwmsm - oimalma mamd - sfatfr - tfrokoftfr -kxyoftfr
6> ^frnmpmt sft anmdma ofn`s
66
62
6<
67 60 23 2= 29
25
- sft mjmt ifnmg o`akr - suoifr kds`lfa s`mp pmdm` ^frnmpmt sft pfofr`dsmma dfsfgmtma `iu - stftksdkp hma`a (jmfaafe nkppjfr) - stftksdkp nfwmsm - spgylokomakoftfr/tfas`oftfr spgylokomakoftfr/tfas`oftfr - tfrokoftfr - pmju rfbfx - oimalma nfwmsm Uft pfofr`dsmma dfsfgmtma mamd - oimalma mamd - mjmt pfaludur pmahmal imy` - stftksdkp - tfrokoftfr Uft pfjmymama DI - `opjmat d`t - @VN D`t s`mp pmdm` Uft pfjmymama `oua`sms` - ekjnegm`a / vmee`af emrr`fr Uft kistftr` nma l`afdkjkl` Uft `asfrs` nma fdstrmds` MDNY Uft rfsus`tms` imy` Uft pfrmwmtma pmsem pfrsmj`ama - stftksdkp - spgylokomakoftfr/tfas`oftfr spgylokomakoftfr/tfas`oftfr Uft dfsfgmtma l`l` nma oujut
= = =
=
9>
- sft pfaemiutma l`l` mamd - if`a jurus dfe`j - skanf jfaldual - dmem oujut - tmaldm` dmem oujut - p`asft l`l`
2> 26 22
2< 27
20 39<
2626
26
Umptkrfallk
5.
Sustu Imahmrfhk
5=>2
9266
975<
>>79
6950
>002
>.
Skadfsnfs
903>
9925
9>62
=966
6==7
0935
5339
9695
5=>3
529=
>=37
=>99
=623
=007
9923
>2>0
6932
200
66
77
77
29>3
5>2
>63
>70
>63>
>6=6
>333 5633 5333
Mx`s ^`tjf
9633
Huojmg Duahualma 9523 93=5
9333 =633 =333 633 3
9 3= <
9 3= 7
9 3= 0
9393
9 39 =
Lmoimr 9.>.Lrmb`d Duahualma Sms`fa Yumal Sfjmymama L`l` Susdfsoms Smd`s ^mgua 93= @nfat`b`dms` Omsmjmg Dfsfgmtma Omsymrmdmt Susdfsoms Smd`s BMD^KY SFALGMOIM^
BMD^KY SFANKYKAL
=. ^`aldmt pfrsm`alma nfalma
=. ^`aldmt dfsfhmgtfrmma
smrymadfs swmstm t`all`
pfanunud
9. huojmg pfsfrtm HDA
9. Dfounmgma mdsfs smrymadfs
pusdfsoms ymal oms`g rfanmg n`iman`al huojmg pfanunud 5. Dftfrimtmsma huojmg tfamlm nkdtfr, pfrmwmt nma i`nma
I. @UV U^YF U^YF^FL@U ^FL@U =. Sfa`aldmtma Omsymrmdmt
Dfsfgmtma
jiu,
Mamd,
Jmas`m
nma
L`z`
57
9. Sfa`aldmtma
Srkoks`
Dfsfgmtma
nma
Sfoifrnmymma
Omsymrmdmt 5. Sf Sfri rim` m`dm dma a Sf Sfae aefl flmg mgma ma Sf Sfay aymd md`t `t Of Ofau aujm jmrr nm nma a Df Dfsf sfgm gmtm tma a J`aldualma >. Sfri Sfrim`dm m`dma a Sfalf Sfalfanmj anmj`ma `ma Sfa Sfaymd` ymd`tt ^`nmd Ofau Ofaujmr jmr 6. Sfa Sfa`ald `aldmtma mtma Dumj` Dumj`tms tms Sfjmy Sfjmymama mama Ofjmj Ofjmju` u` Sfafrm Sfafrmpma pma Utman Utmanmr mr Mdrfn`tms` Susdfsoms
50
m) Iu Iunm nmym ym Kr Krlm lma a`sms `sms`` Ymaldm`ma omamhfofa pfruimgma ymal n`jmdudma kjfg VS^ VS ^ Su Susd sdfs fsom oms s
Sm Smd` d`s s tf tfjm jmg g ofoi ofoifa fatu tud d
su sumt mtu u iu iunm nmym ym
krlma`sms` imru. U`afrl`stms dfl`mtma ymal n`pmnudma nfalma krlma`sms` `opjfofatms` IJVN mdma ofa`aldmtdma dumj`tms pfjmymama ofjmju` mju`
iun unmy mym m
ofahua uahhua ual l
t`all`
ft`d t`dm
nma
gud uduo uo
dfsfgmtma, ofahuahual t`all` dfhuhurma sfrtm ofa`aldmtdma dfpu df pums msma ma
pf pfjm jmal allm lma, a,
pr prkb kbfs fs`k `kam amj` j`so sof, f,
dk dkop opft ftfa fas` s`
nm nma a
dfrhmsmom. i) Uu Uuoif oifrr N Nmym mym Df Dfuma umalma lma Sfrs Sf rs`m `mpm pma a
pf pfaf afrm rmpm pma a
IJ IJVN VN
n`
Su Susd sdfs fsom oms s
Sm Smd` d`s s
n`jmdsmamdma ofjmju` 8 pfrs`mpma UNO, pfrs`mpma pfalfjkjmma dfumalma, pfrs`mpma pfruimgma s`stfo mduatmas`, pfrs`mpma nmtm nma nkduofa pfanudual sfrtm pfrs`mpma smrmam nma prmsmrmam. e) Uu Uuoi oifr fr N Nmy mym m Om Omau aus` s`m m Ufem Uf emrm rm uo uouo uo tf tfrh rhmn mn`` pf pfru ruim imgm gma a Su Susd sdfs fsom oms s Sm Smd` d`s s ymal n`sfimi n`sfimidma dma pkjm p`d`r Uuoifr Nmym Omaus`m n` kjfg pfa`aldmtma dmpms`tms nma dmpmi`j`tms suoifr nmym omaus`m sfemrm uouo im`d ofjmju` pfan`n`dma bkromj omupua aka bkromj
ifrupm
pfjmt`gma
nmr`
N`ams
Dfsfgmtma
Dmiupmtf Dmiu pmtfa/D a/Dktm ktm N`a N`ams ms Dfs Dfsfgmt fgmtma ma Srkp Srkp`as `as`` nma Dfof Dfofatr` atr`ma ma Dfsfgmtma. Sfa`aldmtma
dmpms`tms
Uuoifr
Nmym
Omaus`m
n`jmdudma ofjmju` prksfs pfrfaemamma dfiutugma pfan`n`dma nma pfjm pfjmt`gm t`gma a sfrt sfrtm m pfrf pfrfaema aemamma mma mal mallmrma lmrma pfa pfan`n n`n`dma `dma nma pfjmt`gma.
>3
n) Uu Uuoif oifrr Nm Nmym ym @ab @abkro kroms` ms` @op @o pjfof ofa atms ms``
U`stfo
@abk @abkro roms ms``
Sms ms``fa
(U@S @S))
n`
Susdfsoms sunmg n`jmdsmamdma sfhmd tmgua 93=6 nma mdma n`lm n`lmat at`d `dma ma nf nfal alma ma U`st U`stfo fo @a @abk bkro roms ms`` Df Dfsf sfgm gmtm tma a Nm Nmfr frmg mg (U (U@DN @DNM) M) pmn pmnm m tmg tmgua ua 93 93=0 =0 uat uatud ud sf sfjur jurug ug Dmi Dmiupm upmtfa tfa/D /Dktm ktm Ufnm Uf nmal aldm dma a
pf pfjm jmym ymam ama a
pm pms` s`fa fa HD HDA A
su sunm nmg g
of ofal allu luam amdm dma a
mpj`dms` S-Emrf nmr` ISHU Dfsfgmtma. Nudualma Nudu alma pfrm pfrmald aldmt mt gmrnwmrf, skbrwmrf nma hmr`alma n` Susdfs Susdfsoms oms Smd Smd`s `s sunm sunmg g tfrpf tfrpfau aug` g`
of ofjmj jmju` u` mall mallmrm mrma a
Kprms`kamj IJVN Susdfsoms. Ufjm`a U`stfo @abkroms` ymal n`dfoima n`dfoimaldma ldma kjfg N`ams Dfsf Df sfgm gmtma tma,, s`stf s`stfo o pf pfjmp jmpkrm krma a if ifrim rims`s s`s tfda tfdakjk kjkl` l` `abkr `abkroms oms`` sunm su nmg g n`jm n`jmds dsma mamd mdma ma kjfg kjfg if ifif ifrm rmpm pm pr prkl klrm rmo o sf sfpf pfrt rt`` ^I ^I,, Sksi`anu `anu
S^O,
G@ G@R, R,
Sfalfjkj kjmm mma a
imr mrma mal l
nmf mfrm rmg g
nma
dfpflmwm`ma, mnm mpj`dms` dfpflmwm`ma nma mpj`dms` prklrmo ymal n`dfoimald n`dfoimaldma ma kjfg Susdf Susdfsoms soms sfan sfan`r`. `r`. Sfof Sf ofau augm gma a
pf pfrm rmjm jmtm tma a
df dfnk nkdt dtfr frma ma
em emal all` l`g g
sfiml`m sfi ml`ma a ifsmr n`o` n`o`j`d j`d`` kjfg Susdf Susdfsoms soms Smd` Smd`s s
su sunm nmg g
sfp sfpfrt` frt` ua` ua`tt
Bktkoftfr uatud pfofr`dsmma jmikrmtkr`uo d`o`m dj`a`d, ua`t Gfomt Gf omtk k Mam Mamj` j`zfr zfr ua uatud tud pf pfof ofr`d r`dsmm smma a jmikr jmikrmtk mtkr`u r`uo o nmr nmrmg mg jfaldmp jfa ldmp,ua` ,ua`tt FEL uatu uatud d pfof pfofr`ds r`dsmma mma rfdmo hma hmatual tual,, ua`t n`mlaks n`ml akst`d t`d v`tm v`tmjj s`l s`la a uatu uatud d pfof pfofr`ds r`dsmma mma b`s` b`s`d d pms` pms`fa, fa, ua`t afiuj af iuj`zf `zfrr uat uatud ud t`a t`anmd nmdma ma lm lmwm wm nmr nmrurm urmt,t t,tftm ftmp` p` uat uatud ud VU VUL L pfof pf ofr`d r`dsm smma ma @iu gm gmo`j o`j oms oms`g `g nmj nmjmo mo prk prksfs sfs pf pfal almhu mhuma ma df N`ams N` ams Dfs Dfsfg fgmtm mtma a tfr tfroms omsud ud stfr`j r`j`sms ms``
pfrm rmjm jmtm tma a
sf sfbtm btm Mutk Mutkejm ejmvf vf uatu uatud d prk prksf sfs s
of ofn n`s
yma mal l
ifjuo
n`o` o`jj`d`
kj kjf fg
Susdfsoms Smd`s. Ufjm`a m`a
pfrm rmjjmt mtma ma
dfnkd kdttfrm rma a
ofom of omnm nm`` , Su Susd sdfs fsom oms s Sm Smd` d`s s
yma mal l
sun unmg mg
eud udup up
tfjm tfjmg g of ofo` o`j` j`d` d` pfr pfrma mald ldmt mt
pfauahm pfa uahmal al ifri ifrims`s ms`s tfda tfdakjkl kjkl`` sfp sfpfrt` frt` pfrm pfrmald aldmt mt dkou dkoua`d a`dms` ms` `atframj
nma
pfrmaldmt
pfalmwmsma
dmofrm
EE^R.
>=
Sfal Sf almnm mnmma ma pf pfrmj rmjmtm mtma a dfn dfnkdt kdtfrm frma a nma pf pfrma rmald ldmt mt if ifrim rims` s`s s tfdakjkl`` tfrsfiut ifrmsmj nmr` mallmrma sfiml`ma ifrmsmj nmr` tfdakjkl mallmrma N`ams Dfsfgmtma Dmiupmtfa Omjmal nma mallmrma Kprfms`kamj Susdfsoms. b) Uuoi Uuoifr fr Nmy Nmym m Bms Bms`j`t `j`tms ms B` B`s`d s`d ((Imal Imaluama uama nma S Sfrmj frmjmtma mtma)) Umrmam imaluama Susdfsoms sfhmd tmgua 93=5 sunmg ofal of almj mjmo mo`` if ifif ifrm rmpm pm rf rfak akvm vms` s` ym ymal al s`la s`la`b `b`d `dma ma
if ifru rupm pm
pfrim pf rim`d `dma ma r`a r`alma lma,, pf pfam amoim oimgma gma rum rumal alma ma aka pf pfrom romaf afa, a, pfam pf amoi oimg mgma ma
sm smrm rmam am
im imal alua uama ma,,
pf pfal alfe femt mtma ma
om omup upua ua
pfamoimgma nma pfallmat`ma pfrmikt nma pfrmjmtma dmatkr. Ofs Ofsd` d`pua pua nf nfo`d o`d`ma `ma,, om oms`g s`g mn mnm m smr smrmam mam ima imalua luama ma ymal ifjuo tfrpfaug` tfrpfaug` ymal tfjmg omsud nmjmo pfrfaemamma pusdfsoms ym`tu pfrim`dma ififrmpm t`t`d imaluama sfpfrt` pjm jmbbka ka,p ,pf falus usuj ujma ma
ima mal lua uama ma
rfprfsfa rfprf sfatmt`b tmt`b,pfr ,pfrim`d im`dma ma
Dmo momr mr
pkan pkanms`, ms`,sff sffrtm rtm
If Ifrs rsmj mj``a
yma mal l
pfa pfalusu lusujma jma pmlm pmlmrr
pfromafa n` Susdfsoms. Ufjurug mallmrma pfalmnmma nma pfofj`g pfofj`gmrmma mrmma smrmam ifrm if rmsm smjj nm nmr` r` ma mall llmr mrma ma N` N`am ams s Df Dfsf sfgm gmtm tma a nm nma a Kp Kprf rfs` s`ka kamj mj Susdfsoms.
E. YFAEMAM SFALFOIMALMA JMPMAMA @su strmtfl`s ifrnmsmrdma mamj`s`s `atframj nma fdstframj n` Susdfsoms Smd`s mnmjmg sfimlm` ifr`dut8 =. Yfjmtfn N`vfrs`b`emt`ka (Dfmafdmrmlmo (Dfmafdmrmlmoma) ma) N`vfrs`b`dms` pmnm VS^ Susdfsoms Smd`s nmpmt n`j`gmt nmr` ifrimlm` omemo hfa`s jmymama ymal sunmg n`dfoimald n`dfoimaldma. ma. Uft`mp jm jmym yma ama
n` n`nu nudu dual al
kjfg kjfg
tf tfam aml lm
df dfsf sfgm gmtm tma a
pr prkb kbfs fs`k `kam amjj
nm nma a
dkopf dko pftf tfa a n` i`nma i`nmala laym ym sf sfpf pfrt` rt` nkd nkdtf tfr, r, nkd nkdtfr tfr l`l l`l`, `, mpk mpktfd tfdfr, fr, pfrm pf rmwm wmt, t,
pf pfrm rmwm wmtt
l`l` l`l`,,
ma mamj mj`s `s df dfsf sfgm gmtm tma, a, ms ms`s `stf tfa a
mp mpkt ktfd fdfr fr,,
pfrfdmo ofn`s, sma`tmr`ma, l`z` nma i`nma. Nfalma nfo`d`ma mnm == (s (sfi fifjm fjms) s) hfa hfa`s `s tf tfaml amlm m dfs dfsfg fgmtm mtma a yma ymal l nmp nmpmt mt ofo ofoif ifr`d r`dma ma
>9
n`vfrs`b`dms`
jmymama
dfsfgmtma
rmwmt
hmjma,
rmwmt
`amp,pfrsmj`ama nma VLN 9> hmo. N`vfrs`b N`vf rs`b`dms `dms`` jmym jmymama ama pmnm hmo dfrh dfrhm m pml` gmr` tfrl tfrlkjka kjkal l jfaldmp oujm` pfjmymama jkdft, pfofr`dsmma uouo, pfofr`dsmma jmas jmas`m `m,, pf pfof ofr` r`ds dsmm mma a l`l` l`l`,, pfofr`dsmma mamd/O^IU, pfof pf ofr` r`ds dsmm mma a
pf pfay aymd md`t `t
pf pfof ofr` r`ds dsmm mma a pf pfay aymd md`t `t of ofau aujm jmr, r, pfofr`dsmma `iu nma mamd,
of ofau aujm jmrr
sf sfds dsum umj, j,
dk dkas asuj ujtm tms` s`
l`z` l`z`,,
dkasuj dka sujtms tms`` sma smatms tms`, `, pf pfofr ofr`d `dmma mma jmi jmikrm krmtkr tkr`uo `uo nma pf pfjmy jmyma mama ma bmroms`. Ufnma Uf nmald ldma ma n`vf n`vfrs` rs`b`d b`dms` ms` jmy jmymam mama a 9> hmo yma ymal l n` n`tua tuahm hmal al kjfg tfamlm pfrmwmt nma i`nma prkbfs`kamj ofayfn`mdma jmymama lmwmt nmrurmt, ruhudma dflmwmtnmrurmtma, pfrsmj`ama nma rmwmt `amp.Ufo `amp .Ufoum um n`v n`vfrs` frs`b`dm b`dms` s` jmym jmymama ama n` mtms n`om n`omdsun dsundma dma uatu uatud d ofofaug` dfutugma dkasuofa nma omsymrmdmt mdma jmymama dfsfgmtma ymal jfaldmp. 9. Omrdft Nfvfjkpofat (Sfalfoimalm (Sfalfoimalma a Smsmr) Sfal Sf alfoi foima malma lma pms pmsmr mr yma ymal l n` n`jmd jmdudm udma a kjf kjfg g Sus Susdfs dfsoms oms Smd`s Smd` s mnmj mnmjmg mg nfa nfalma lma ofa ofahmal hmaldmu dmu dka dkasuof suofa a mtmu omsy omsymrmdm mrmdmtt ofjjmj of mju` u`
pfanf nfd dmt mtma ma
pfa` pf a`al aldm dmtm tma a
md mds sfs
rml rmlmo jmy jmyma mama ma
Skad Sk adfs fsnf nfs, s,jm jmym ymam ama a
Sr Srkj kjma ma`s `s
jmy myma mama ma
dfsfgmt mtm ma
n` Su Susd sdfs fsom oms s nf nfa alm lma a
hfop hfoput ut
o` o`s smja mjaym
Sf Sfoi oima matu tu nm nma a ik ikjm jm
jmy jmyma mama ma
Sksymanu jmas`m, Sksi`anu n` sft`mp nfsm, duahualma ruomg n` Uft`mp Jmymama Hmaldmuma dkasuofa jmahut us`m nfalma dmrmdtfr`st` dmrmdtfr`st`d d ymal oman`r`, n`dfoima n`dfoimaldma ldma ofjmju` Yumal Sfjmymama Jmas`m ymal ofalmoi` ofalmoi`jj dkasfp kaf stkp sfrv`ef n`omam jmas`m n`jmyma` sf sfemr emrm m tfr tfrpmn pmnu u nmj nmjmo mo sm smtu tu rum rumal alma ma nfa nfalma lma mat matr`m r`ma a dg dgusu usus s tmapm gmrus ofjmdudma oki`j`sms` ifrjfi`gma Ufjm`a `tu nfalma dmrmdt dmr mdtfr` fr`st` st`d d oms omsymr ymrmdm mdmtt pf pfnf nfsmm smma a yma ymal l ima imaymd ymd n`n n`nko` ko`ams ams`` pftm pf tma` a` nm nma a iu iuru rug g pm pmir ir`d `d om omdm dm Su Susd sdfs fsom oms s Sm Smd` d`s s of ofoi oiud udm m jm jmym yma ama lm lmwm wmtt
nm nmru rurm rmtt
9> hmo hmo
ua uatu tud d
df dflm lmwm wmtt
ofsd`pua ifjuo jfaldmp sfpfrt` pfjmymama pml` gmr`.
nm nmru rurm rmtm tma a
>5
Mdsfs tfrgmnmp Susdfsoms ymal ounmg dmrfam ifrmnm n` jkdms` jkd ms` str strmtf mtfl`s l`s,, hmj hmjma ma rmy rmym m yma ymal l n` n`jf jfwm wmt` t` smr smrma mam m trm trmas aspkb pkbtms tms`` uouo uo uo,, nf nfdm dmtt nf nfal alma ma pf pfou oud` d`om oma a nm nma a nf nfdm dmtt nf nfal alma ma sm smrm rmam am tfopmt-tfopmt uouo jm`aaym ofrupmdma mjmsma tfrsfan`r` iml` dkasuofa dkasuo fa ua uatud tud of ofo`j o`j`g `g pus pusdf dfso soms ms Smd Smd`s `s sf sfiml imlm` m` tfopm tfopmtt ofanmpmtdma jmymama dfsfgmtma. Dftfrhmaldmuma Dftfrhmal dmuma i`mym pfjmymama n` Susdfsoms ofahmn`dma pusdf pus dfsom soms s
Smd Smd`s `s of ofo`j o`j`d `d``
rfa rfatma tmal l
dmr dmrmdt mdtfr` fr`st st`d `d dka dkasuo suofa fa
nfal nf alma ma t`al t`aldm dmtt fd fdka kako ko`` du durm rmal al,, of ofaf afal almg mg g`al g`allm lm t`al t`aldm dmtt fdka fd kako ko``
mtms mtms..
Df Dfjf jfal aldm dmpm pma a
pfjmy pf jmyma mama, ma, prk prkbf bfs`k s`kamj amj`tm `tms s
bms` bms`j` j`tm tms, s,
df dfay aymo moma mama ma
pf pftul tulms, ms, df dfhf hfjms jmsma ma
ru ruma mal l
prk prksf sfnur nur nma
dfjf df jfald aldmpm mpma a prk prknud nud ofa ofahmn hmn`` smj smjmg mg sm smtu tu mjmsm mjmsma a oms omsym ymrmd rmdmt mt nfal nf alma ma t`a t`ald ldmt mt fdk fdkako ako`` of ofaf afal almg mg mtm mtms s ofo ofo`j `j`g `g Sus Susdfs dfsoms oms Smd`s. Sfrdf Sf rdfoim oimal alma ma pf pfoud oud`om `oma a nma dm dmwms wmsma ma `anus `anustr` tr` yma ymal l oms`g tfrus ifrhmjma n` w`jmymg Susdfsoms, oms`g ofay`opma pktfas`
ifsmr
iml`
Susdfsoms
uatud
ofa`aldmtdma
pfalfoimalma pmsmr. 5. Srknuet Nfvfjkpofat (Sfalfoimalma (Sfalfoimalma Srknud) Sfalfoimalma prknud pfjmymama ymal n`jmdsmamdma kjfg pusdfsoms Smd`s nfalma ofopfrgmt`dma dfiutugma dkasuofa ofjjmj of mju` u`
gms ms``j
`nf nfa at`bj t`bjd dms ms``
dfiut utug ugma ma
nma
uop opma ma
imj` mj`d
omsymrmdmt. Ififrmpm prknud jmymama ymal ofahmn` uallujma matmrm jm`a8 m. Jmy Jmymama mama pfo pfofr`d fr`dsmma smma `ab `abfds` fds` ofa ofaujmr ujmr sfd sfdsumj sumj sfp sfpfrt` frt` lkak lkakrf, rf, s`b`j`s nma pfofr`dsmma G@R. i. Jmy myma mama ma
pfofr`d r`dsmm mma a
jmi mikr krmt mtkr kr``uo
jfaldmp
of ofjj`put ut``
pfof pf ofr`d r`dsm smma ma Nmr Nmrmg mg Jfa Jfald ldmp mp ofa ofallu lluam amdma dma mjmt mjmt Gf Gfomt omtkkMamj Ma mj`z `zfr fr,, Vr Vr`a `a Jf Jfal aldm dmp, p, d`o` d`o`m m dj`a dj`a`d `d of ofal allu luam amdm dma a mjmt mjmt bktkoftfr nma pfal`r`oma spfs`ofa pfofr`dsmma ^fs Efpmt Okjfdujfr (^EO) uatud nftfds` pfaymd`t tuifrdujks`s.
>>
e. Jm Jmyma ymama ma pfof pfofr`d r`dsmm smma a @RM uatu uatud d nf nftfd tfds` s` n`a` dmad dmadfr fr jfgf jfgfrr rmg`o. n. Skj` Vpm Vpmym ym Ifrg Ifrgfat fat`` O Ofrkd frkdkd kd
Ufjm`a ofal Ufjm`a ofalfoim foimald aldma ma prkn prknud ud dgus dgusus, us, pusd pusdfsom fsoms s hulm ofalfoimaldma oknfjj`al nma spfe`mj sfrv`ef sfrv`efs s sfpfrt`8 sfpfrt`8 Jmymama jmas` jma s`m m kaf stkp sfrv`ef , jmymama pfofr`dsmma `iu gmo`j tfrpmnu (MAE ^frp ^frpmnu) mnu),, jmy jmymama mama pfof pfofr`ds r`dsmma mma mamd nfa nfalma lma pfa pfanfdm nfdmtma tma O^IU O^ IU (O (Oma mamh mhfo fofa fa ^f ^frp rpmn mnu u Im Imj` j`tm tm Um Umd` d`t) t),, Df Dfjm jms s `i `iu u gm gmo` o`j, j, prklrmo prkl rmo pfa pfalfjk lfjkjmma jmma pfa pfaymd` ymd`tt drka drka`s `s (prkj (prkjma`s ma`s)) nma Sksi Sksi`an `anu u dgusus n` `astmas` (sfdkjmg). >. Rfrt`emj @atflrmt`ka (@atflrms` (@atflrms` Rfrt`emj) Sfalfoimalma Sfalfoi malma pfjmymama ofjmju` strmtfl` `atflrms` vfbt`dmj n`jmdsma n`jm dsmamdma mdma nfa nfalma lma ofa ofa`al `aldmtd dmtdma ma dkkrn dkkrn`ams `ams`` nfa nfalma lma N`a N`ams ms Dfsfgmt Dfs fgmtma ma Dmiu Dmiupmtf pmtfa a Omjm Omjmal al ofjm ofjmju` ju` dkkrn dkkrn`ams `ams`` pfrf pfrfaem aemamma amma mallmrma, pfoi`amma nma pfalmwmsma sfrtm `atflrms` dfl`mtma ymal ofahmn` ofahmn` pr`kr`tms n` Dmiupmtfa Omjmal Jmhu pfrtuoiugma pfanunud nma pfrdfoimalma dmwmsma pfou oud d`om oma a
mpm pmi` i`jjm
n``d ``dut ut``
nfalma
pfr` r`jm jmd du
pfaemr mr``ma
pfalkimtma ymal im`d omdm Susdfso Susdfsoms ms mdma ofahmn` smjmg smtu Bms ms`j `j``tms
Dfsfgmt mtma ma
^`aldmt
pf pfrt rtmo mom m
(BD^S)
yma mal l
md mdma ma
n`omabmm n`om abmmtdma tdma kjfg omsy omsymrmdm mrmdmt. t. Jkdm Jkdms` s` Susd Susdfso fsoms ms Smd` Smd`s s yma ymal l st strm rmtf tfl` l`s s
of ofru rupm pmdm dma a
dk dkan an`s `s``
ym ymal al
of ofal alua uatu tual aldm dma a
ua uatu tud d
ofalfoimaldma dfmafdmrmlmoma pfjmymama dfsfgmtma dmrfam ofo`j`d` pmalsm pmsmr ymal hulm ifrmafdm rmlmo. Yfaemam pfalfoimalma prklrmo pfjmymama dfsfgmtma n` VS^ VS ^ Su Susd sdfs fsom oms s Sm Smd` d`s s sm smop opm` m` nf nfal alma ma tm tmg gua 93 9392 92
yma mal l
ifrtuhuma uatud ofa`aldmtdma dumj`tms pfjmymama puij`d i`nmal dfsfgmtma sfg`allm rfaemam pfalfoimalma prklrmo pfjmymama dfsfgmtma. 6. Sfalfoimalma H Hfa`s fa`s Sfjmymama
>6
Sfa` Sf a`al aldmt dmtma ma huo huojm jmg g dua duahua hualma lma rmw rmwmt mt hmj hmjma ma Sus Susdf dfsom soms s Smd` Sm d`s s sf sft` t`mp mp tmgu tmgua a of ofal algm gmru rusd sdma ma Su Susd sdfs fsom oms s Sm Smd` d`s s ua uatu tud d ofaemr` `akvms` mlmr jfi`g fb`s`fa nmjmo ofoifr`dma pfjmymama pmnm pmn m pms pms`f `fa. a. Ofa Ofalur lurmal mal`` wmd wmdtu tu tua tuall llu u n` ua ua`t `t pfa pfanmb nmbtmr tmrma ma omupua n` pkj` ofrupmdma smjmg smtu emrm uatud ofa`aldmtdma fb`s`fas` pfjmymama sfg`allm dfpumsma pms`fa jfi`g ofa`aldmt. Kjfg dmrfam dmrfam `tu `tu,, Susdfs Susdfsoms oms Smd` Smd`s s
mdma tft tftmp mp ofal ofalmwmj mwmj ml mlmr mr
pfanmbtmrma kaj`af tftmp ifrhmjma . Ufjm`a Ufj m`a `tu uatu uatud d ofa` ofa`ald aldmtdma mtdma dumj`tm dumj`tms s pfjm pfjmymam ymama a pmnm pms` pm s`fa fa,,
S Sus usdf dfso soms ms Sm Smd` d`s s
pfofr`dsmma
VUL
kjfg
hu hulm lm md mdma ma of ofoi oiud udm m jmym jmymam ama a nkdtfr
uouo
nma
pfalkimtma
trmn`skamj. . Ifrnmsmrdma jmtmr ifjmdmal n` mtms, hfa`s pfjmymama ymal mdma n`dfoima n`dfoimaldma ldma n` Susdf Susdfsoms soms Smd`s ym`tu8 m. Sfanmbtmrma Kaj`af i. Sfofr`dsmma VUL Minkofa (dfgmo`jma) kjfg nkdtfr uouo e. Skhkd Gfrimj Mdma n`oujm` nfalma pfoiumtma dfoimj` tmoma tklm ymal rfpfrsfatmt`vf rfpfrsfatmt`vf d dmrfam mrfam jdfomr` jdfomr`a a t`nmd tfr tfrmwmt. mwmt.
2. Sfa`aldmtma Umrm Umrmam am Srmsmrmam Sfjmy Sfjmymama mama Dfiutugma smrmam nma prmsmrmam n` Susdfsom Susdfsoms s ofa`aldmt sf`r`al sf` r`al nfa nfalma lma pfof pfofaugm augma a stma stmanmr nmr mdrfn mdrfn`tms `tms`` pusd pusdfso fsoms ms nma pfa`al pfa `aldmtma dmtma duah duahualm ualma a pusd pusdfsom fsoms. s. U`s U`stfo tfo matr matr`ma `ma jkdf jkdftt ymal jfi` jfi`g g ou ounm nmg g nm nma a trma trmasp spmr mrma ma md mdma ma n` n`iu iutu tugd gdma ma h` h`dm dm t`al t`aldm dmtt duahualma omd`a ofa`aldmt. Yumal tuallu dgusus pms`fa @USM n`ium n`iumtt jfi`g jfi`g ay aymom moma a dm dmrfa rfam m sun sunmg mg tfr tfrp` p`smg smg nf nfna nalma lma rum rumal al tuallu aka @USM ymal sunmg mnm sfhmd Smanfo` tfrhmn` n` tmgua 93=0. Ufnmaldma rumal tuallu pms`fa ofaujmr n`luamdma uatud tfopmt tfo pmt pms pms`f `fa a ^I ONY yma ymal l gmr gmrus us of ofo`a o`auo uo kim kimtt n` im imwmg wmg
>2
pfalmwm pfa lmwmsma sma pftu pftulms. lms.N`dm N`dmrfam rfamdma dma mnm Yuhu Yuhudma dma ^fj ^fjfof fofn`e` n`e`af af pmnm pm nm dm dmsu sus s Df Dfgm gmo` o`jm jma a nm nma a pf pfrs rsmj mj`a `ama ma (V (VUL UL))
n`pf n`pfrj rjud udma ma
rumalma ymal rfprfsfatmt`vf uatud VUL,sfjm`a `tu pfrju Yumal ifrsmj`a ymal rfprfsfatmt`vf hulm. Ififrmp Ifif rmpm m rfa rfaema emam m tfr tfrdm` dm`tt pf pfamo amoimg imgma ma smr smrmam mam om omupu upua a pfalfoimalma smrmam ofj`put`8 m. Sfo Sfoiumtm iumtma a Yuma Yumal l tual tuallu lu Skj Skj`` @USM jf jfi`g i`g Ay Aymoma moma i. Sfalusuj Sfalusujma ma p pfoimaluama foimaluama lfnual dmomr Ifrsmj`a ymal rfprfsfatmt`vf e. Sfa Sfalusu lusujma jma mnma mnmaym ym Mutke Mutkejmvf jmvf nm nma a rumal rumalma ma stfr` stfr`j`sm j`sms` s` sfatrmj n. Sfo Sfofaug faugma ma Nf Nfatmj atmj Va` Va`tt gm gmrus rus 9 f. Smlm Smlmrr Dfj` Dfj`j`a j`al l n` ifj ifjmdma mdmal l imal imaluama uama S Susdf usdfsoms soms b. Sfo Sfofj`g fj`gmrmma mrmma nma pfri pfrim`dm m`dma a lf lfnual nual yma ymal l sun sunmg mg mn mnm m mlmr sfjmju tfrmwmt
<
Matmrm jm`a 8uatud pfrmwmt,pfjmt`gma omamhfofa,pfjmt`gma pfalmnmma imrmal IMI @R R@U@, O@U@, ^VHVMA NMA MYMG DFI@HMDMA
M. R`s` Sus Susdfsoms dfsoms R`s`` pusd R`s pusdfsom fsoms s mnmj mnmjmg mg lmo lmoimrma imrma mrmg pfo pfoimal imaluama uama mtmu dkan`s` omsm nfpma ymal `al`a n`empm` nmjmo durua wmdtu 6 (j`om) tmgua. R`s` pusdfsoms n`susua ifrnmsmrdma v`s` N`ams Dfsfgmtma Dmiu Dm iupm pmtf tfa a
Om Omjm jma al
pm pmnm nm
nk nkdu duof ofa a
Yf Yfae aema mam m
Ut Utrm rmtf tfl` l`s s
Dfsfg Dfs fgmtm mtma a Dmiup Dmiupmtf mtfa a Omj Omjma mal l ^mg ^mgua ua 939= 939=-93 -9392 92
N` N`a ams
H`d H`dm m tfr tfrhm hmn` n`
pfruimgma v`s` Sfofr`atmg Dmiupmtfa Omjmal ymal nmjmo gmj `a` n`tfrhfomgdma kjfg N`ams Dfsfgmtma Dmiupmtfa Omjmal, omdm v`s` Susdfso Susd fsoms ms hulm mdma n`j n`jmdud mdudma ma rfv` rfv`s` s` sfs sfsum` um` nfa nfalma lma pfru pfruimgm imgma a tfsfiut. R`s` R`s` Susdf Susdfsoms soms Smd`s ^mgua 93 939=-9392 9=-9392 of ofalmeu almeu df dfpmnm pmnm R`s` Dmiupmtfa Omjmal ymda` 8
‚^frwuhunaym ‚^frwuhunay m Dmiupmtfa Omjmal ymal Ifrsmtu, Ifrnmujmt, Oman`r`, Ufhmgtfrm nma Ifrdfpr`imn Ifrdfpr`imn`ma `ma nfalma Ufomalmt Lktkal Ykykal ifrnmsmrdma Smaems`jm nmjmo Aflmrm Dfsmtuma Yfpuij`d @ankafs`m ymal Ig`afdm ^uallmj jdm‟
^frwuhunaym ^frwuhuna ym Dmiupmtfa Omjmal ymal sfhmgtfrm uatud g`nup sfgmt ymal n`omdsun mnmjmg nfalma pfjmymama pfjmymama pusdfsoms VDO nma VDS nmpmtt ofob nmpm ofobms`j ms`j`tms `tms`` omsy omsymrmd mrmdmt mt sfg sfg`al `allm lm ofa ofaymnm ymnmr` r` dfi dfiutugm utugma a mdma md ma df dfsf sfgm gmtm tma, a, om omu u nm nma a om omop opu u of ofal alfa famj mj`, `, of ofae aefl flmg mg nm nma a ofalmtms` pfromsmjmgma dfsfgmtmaaym sfan`r`. R`s`` Susd R`s Susdfso fsoms ms Smd` Smd`s s sfh sfhmjma mjma nfa nfalma lma e`tm e`tm-e`t -e`tm m Sfo Sfofr`a fr`atmg tmg Dmiupmtfa Dmiup mtfa Omj Omjmal mal
ofwu ofwuhund hundma ma dfg` dfg`nupm nupma a ifrdum ifrdumj`tm j`tms s ofjmj ofjmju` u`
pfofrmtmma jmymama dfsfgmtma. Ufjm`a ofjmju` pfofrmtmma, jmymama dfsf df sfgmt gmtma ma gmr gmrus us jfi` jfi`g g if ifrou routu tu sf sfg` g`al allm lm oms omsymr ymrmdm mdmtt ofa ofafr` fr`om om pfjmymama dfsfgmtma ymal ifrdumj`tms. Dfg`nupma omsymrmdmt jfi`g
>7
im`d nma tfrnkrkal uatud ifrpfrma mdt`b nma oman`r` uatud ofahmn` jfi`g sfgmt.
I. O`s` Sus Susdfsoms dfsoms O`s` Susdfsoms mnmjmg jmaldmg-jmaldmg ymal mdma n`moi`j uatud ofwuhundma v`s` Susdfsoms. Mnmpua o`s` uatud ofaempm` v`s `s``
Sus usd dfsoms
Smd md``s
mn mnmj mjmg mg
nfalma
sfjmr mrms ms
nfalma
O`s`
Sfofr`atmg Dmiupmtfa Omjmal ymal pfrtmom, ymda` 8
‚Ofwuhundma Dfsfhmgtfrmma Ymdymt, Ofoimalua Uuoifr Nmym Omaus`m Valluj‟
Mlmr nmpm nmpmtt ofoi ofoifr`d fr`dma ma pfjm pfjmyma ymama ma pr`o pr`om m ymal ifrdumj` ifrdumj`tms tms omdm, Susdfsoms Smd`s ofoiumt pfrfaemamma pfa`ald pfa`aldmtma mtma smrmam prmsmrmam nma pfa`aldmtma dumj`tms suoifr nmym omaus`m ofjmjum` pfrfaemamma t`aldmt pusdfsoms. Oka`tkr`al nma fvmjums` dfl`mtma pusdfsoms n`jmdsmamdma ofjmju` pfa`jm`ma d`afrhm pusdfsoms. Ofae Of ae`p `ptmd tmdma ma j`al j`aldua dualma lma sf sfgmt gmt yma ymal l of ofrup rupmdm mdma a suo suoif ifrr dfsf df sfgmt gmtma ma pf pfrkr rkrmal malma, ma, df dfjum jumrlm rlm nma oms omsymr ymrmdm mdmtt nmp nmpmt mt n` n`emp empm` m` nfal nf alm m
of ofa alk lkpt pt`o `omj mjdm dma a
df dfl` l`mt mtma ma
pr prko kodf dfs s
nm nma a
df dfsj sj`a `al l
sf sfrt rtm m
ofa`aldmtdma dfrhmsmom j`atms prklrmo nma j`atms sfdtkr.
E. ^uhuma Susd Susdfsoms fsoms ^uhuma krlma`sms krlma`sms`` ofrupmdma pfahmimrma mtmu `opjfofa `opjfofatms` tms` nmr` pfraymtmma o`s` krlma`sms` ymal ofalmanual omdam8 -
Ofrupmdma gms`j mdg`r ymal mdma n`empm` mtmu n`gms`jdma nmjmo hmaldm wmdtu wmdtu smopm` tmgua tfrmdg`r rfastrm.
-
Ofal Of allm lmoi oimr mrdm dma a
mrmg mrmg
st strm rmtf tfl` l`s s
kr krlm lma` a`sm sms` s`
nm nma a
pf pfri rim` m`dm dmaa-
pfrim`dma ymal ymal `al`a n`e`ptmdma sfsum` tulms pkdkd nma buals` krlma`sms`
>0
-
Ofjftmddma dfrmaldm pr`kr`tms uatud ofobkdusdma mrmg smrma nma strm strmtfl` tfl` krlma krlma`sms `sms`` ifru ifrupm pm dfi dfi`hmd `hmdma, ma, prkl prklrmo rmo kpf kpfrms`k rms`kamj amj nma dfl`mtma pkdkd pkdkd krlma`sms` sfjmom durua wmdtu rfastrm. Ifrnmsmrd Ifrn msmrdma ma gmj tf tfrsfi rsfiut ut omdm tu tuhuma huma S Susdf usdfsoms soms
Smd` Smd`s s
mnmjmg sfimlm` ifr`dut8 =. Ofa`al Ofa`aldmtaym dmtaym dfpumsma omsymrmdmt mtms jmymama dfsfgm dfsfgmtma tma 9. Ofa Ofa`al `aldmta dmtaym ym dfs dfsfgmt fgmtma ma oms omsymrm ymrmdmt dmt
N. Umsmrma Susdfsoms Umsmrma ofrupmdma pfahmimrma nmr` tuhuma krlmas`ms` nma ofall ofa llmoi moimrd mrdma ma gmj gmj-g -gmj mj yma ymal l `al` `al`a a n` n`emp empm` m` of ofjmj jmju` u` t`a t`anmd nmdmamat`anmdma ymal mdma n`jmdudma sfemrm kpfrms`kamj.
^mifj >.= ^uhuma, Umsmrma sfrtm @an`dmtkr ^uhuma nma Umsmrma ^VHVMA
UMUMYMA
@AN@DM^KY ^VHVMA NMA UMUMYMA
Ofa`aldmtaym
@anfds
dfpumsma
Omsymrmdmt
omsymrmd omsy mrmdmt mt mtms
tfrg tfrgmn mnmp mp
jmymama
dfsfgmtma pmnm IJVN
dfsfgmtma
Ofa`aldmtaym mno`a`strms`
A`jm`
Dfpumsma (@DO) pf pfjm jmym ymam ama a
`an`dmtkr
nma mno`a`strms`
omamhfofa
omamhfofa
Ofa`aldmtaym
A`jm` `an`dmtkr VDS
d`afrhm VDS Ofa`aldmtaym
A`jm` `an`dmtkr outu
d`afrhm outu Ofa`aldmtaym
Sfrsfatmsf USO ymal
63
dfsfgmtma
tfrempm`
omsymrmdmt
Ofa`aldmtaym
A`jm A` jm``
d`afrhm VDO fsfas`mj
fsfas`mj
Ofa`aldmtaym d`afrhm
`a `an` n`dm dmtk tkrr
VD VDO O
A`jm` `an`dmtkr VDO pfalfoimalma
pfalfoimalma
F. Utrmtfl` nma Mrmg Dfi` Dfi`hmdma hmdma Utrmtfl` nma dfi`hmdma n`ifatud uatud ofaempm` tuhuma nma smsmrma. Utrmtfl` n`ruousdma nfalma ofafatudma jmaldmg p`j`gma ymal tfpmt ofjmju` Mamj`s`s oftknf U\K^. Mnmpua `atfrmds` nma gms`j `atfrmds` nmpmt n``dut` pmnm tmifj ifr`dut8 Mamj` Ma mj`s`s s`s U\ U\K^ K^ ua uatud tud ofa ofa`a `aldm ldmta taym ym df dfsf sfgmt gmtma ma df dfjum jumrlm rlm,, pfrim pf rim`d `dma ma
l`z`, l`z`, df dfsfg sfgmtm mtma a
ofaujmr ofau jmr nma t`nmd
j`a j`ald ldual ualma, ma, pfa pfalfa lfanmj nmj`ma `ma
pf pfay aymd` md`tt
ofa ofaujmr ujmr sfrtm dumj dumj`tms `tms pfjmyma pfjmymama ma dfsfg dfsfgmtma mtma..
Bmdtkr Bmd tkr @at @atfra framj mj Pm Pmal al n`o n`o`j `j`d` `d` kjf kjfg g Sud Sudfs fsoms oms Smd Smd`s `s ma matmr tmrm m Jm Jm`a `a UNO,Umrmam nma Srmsmrmam,U`stfo
^mifj >.9 Utrmtfl` nma Mrmg Dfi`hmdma Susdfsoms Smd`s Bmdtkr @atframj
Dfdumtma (U)
U`stfo
=.
Omamhfofa
omamhfofa omamhfo fa ymal ifrjmdu
ifrsmom
nmjmo
(mdrfn`tms` BD^S)
ofahmj ofa hmjmad madma ma
s`stfo s`stfo
9.
Mnmaym
Dfjfomgma (\)
Mnmaym
U`stfo
Dko`tofa
p`op`ama
=. durmal durmal dko`to dko`tofa fa
omamhfofa ymal mnm Gms`jaym
durmal
kpt`omj
5.Mnmaym
M@mt
Dfsfgmtmaymal ofaeudup`
uatud
9.Dfdurmalma imaluama ifrsmd`a
dmomr ymal
6=
ifrm if rmlm lmo o
Umrmam prmsmrmam
nma
hfa` hfa`s s
jmym jmymam ama a
rf rfpr prfs fsfat fatmt mt`v `vf f
(mjmt pfofr`dsmma uouo,
stfr`j stf r`j`sm `sms` s`
pfofr` pfo fr`dsmm dsmma a
nma
pfauah pfauahmal mal
,mjm ,mjmtt
mutkej mutkejmvf mvf
FDL,
rumalmaaym,sfrtm
pfofr`dsmmajmikrmtkr`u
ififrmpm
o emall`g) >. >.Mn Mnma maym ym
tfopmt
ymal pfrju pfrim`mda sm smrm rmam am
ym ymal al
ofomnm`
(lfnual,
dfanmrmma
pusj`al,
mlmr mlmr tf tfrj rj`gm `gmtt
ifrs ifrs`g `g
nma aymoma 5.
smrmam @SMJ)
Mallmrma ymal
oms`g
tfrimtms
sfg`allm pfoifj`ma
nma
pfofj`gmrmma smrkp smr kprm rmt` t`nm nmd d
i`sm i`sm
sfdmj` sfd mj`lus lus n` tmgua tmgua ymal smom
6.Mnmaym
hfa`s
>.
dftfamlmma
ymal
tfamlm
ofaeudup`
(nkdtfr,
mpkt mp ktfd fdfr fr,,
nkdtf kdtfrr
l`l` l`l`,,
pfrfdmo ofn`s, pfrmwmt,
pfrmwmt,i`nma, tfamlm tfa mlm
UNO
sm sma` a`tm tmr` r`ma ma,,
ofn`s, omsymrmdmt mno`a`strms`)
mno`as mno`as`tr `trms` ms`
uouo nma pfjmdsmam
prkl klrm rmo o i`nma, i`n ma, mgj` mgj` l`z`, l`z`, pfrmwmt pfrmwmt pr l` l`l` l`,,
Dftfrimtmsma
n` n`im iman an`a `al l
mamj mamj`s `s ifima
dfsfgmtma nma
dfrhm
pfjmy pf jmymam mama a VDS VDS nma nma prkqrmo VDO.
69
6.
Du Durm rmal alay aym m
hf hfa` a`s s
pfa`aldmtma dmpms`tms dmpms` tms (pfjmt`gma) (pfjmt`gma) pftulms
2.Mnmay maym
mdsfs
ounmg
ymal
tfrhmaldmu
omsymrmdmt omsymr mdmt .Mnmaym .Mnmaym tmr`b pfjmymama
ymal
tfkmaldmu
nfalma
suis`n sui s`n`` nma aka suis`n suis`n`` U.Mnmaym
jmymama
prklrmo
ymal
ofan of anud udua ual l prfv prfvfa fatt`b `b,,
prkokt kokt`b `b,, durm durmt` t`bb
nma nma
rfgmi`j`tmt rfgmi` j`tmt`b `b (pfaeflmgma (pfaeflmgma G@R, dmadfr jfgfr rmg`o, gfpmt` gfp mt`t`s t`s,,
Mdsfs Sfjmymama
tuifrd tuifrdujk ujks`s, s`s,
njj
Bmdtkr Bmdt kr Fds Fdstfra tframj mj ofj` ofj`put` put` Dmrmd Dmrmdtfr` tfr`st`d st`d Omsy Omsymrmdm mrmdmt,J` t,J`atms atms Ufdtkr
^mifj >.5 Utrmtfl` nma Mrmg Dfi`hmdma Susdfsoms Smd`s Bmdtkr Fdstframj
UK
\K
(K) =. m
Ofa`aldmtay nmym
ifj`
=. Ofalkpt`omjd Ofalkpt`omjdma ma outu
=.
Ofalmtms`
pfjmymama pfjmym ama ofjmju` ofjmju` s`stfo dftfrimtmsma
omsymrmdmt
oma om amh mhfo fofa fa
outu outu
tfrgmnmp
im`d
pfa`al ald dmtma
dfsfgmtma
strmtm
nma
ymal ymal huojmg
mdrfn`tms`
dfsf df sfgmt gmtma ma pfjumal
tfamlm ofjm ofjmju ju``
65
pusdfsom soms
(U=,K=)
9.
Ofalkpt`omjdma dftfrsfn`mma dfsfgmtma jmymama
pfanmpmtma mjmt
nma ymal
pfa`aldmtma
hfa`s nmpmt
pusdfsoms (\=,K=) 9. Ofalkpt`omj Ofalkpt`omjdma dma d`afrhm
n`pfaug` (65,3=)
Susdfsoms nmr`
9.
Ofalkpt`omjdma
dkan`s` smrmam pfjmymama ofjm of jmju ju``
nfalma
im`d
oka`tkr`al
omupua fvmjums`aym
pfofj fofj`g `gmr mrmm mma a
nma pfrmwmtma ymal im`d (s>,
Outu
k=)
pfjmymama
pma man numa
UKS
Sfjmymama (ss, k=)
5.
Ofalmtms`
dftfrimtmsma mallmrma kpfrms`kamj kpfrm s`kamj ofjmju ofjmju`` pfjumal
5.
Ofalkpt`omjdma
`abkroms` tmr`b pfjmymama ymal tfrhmaldmu dfpmnm
pfa`aldmtma pfanmpmtma pusdfsoms (\5,K=)
omsymrmdmt jums (U
>.
Ofalkpt`omjdma
Dkoua`dms`` Susdfsoms Dkoua`dms jfwmt Ofn`m Kaj`af im`d Bmefikkd,@astmlrmo omupua
dmamj
dkasujtms`
Kaj`af
nfalma nkdtfr
.> Utrmtfl` nma Mrmg Dfi`hmdma Susdfsoms Smd`s ^uhuma
Umsmrma
Utrmtfl`
Ofa`ald
Ofa`aldm
Ofopfroun Ofop frounmg mg
mdsf mdsfs s Sfa`aldmtma
mtaym
taym
pfjm pf jmym yma ama
sf sft` t`mp mp dmpms`tms
dfpumsm
Mdsfs
hmr`alma
n`
Dfi`hmdma
Susdfsoms UNO,Sfalumtm
62
pmnm nm s`st s`stfo fo ofalmtms` a pm
a
pfjmymama
uatud
omsymrm
dfsfgmtma
dfan df anmjm mjm
wm wmdtu dtu,hm ,hmrmd rmd oka`tkr`al nma
omup om upua ua
du durm rmal alay aym m fvmjums`,sfrtm
dmt
mtms nmsmr
jmymama
iml`
`abkroms`
dfsfgmtm a
omsymrmd mt
omsymrmdmt
iml` ofalurmal` tulms tmoimgma tmoi mgma nmr` Sh
nfsm
mlmr
jfi`g dkasfatrms` nmjmo ofoifr`dma pfjmymama
Ofa`aldm taym
U`stfo U`s tfo @abkr @abkroms` oms` nma Sfalumtma Sfjmpkrma n` suoifrnmym
mno`a`str
Susdf Sus dfsom soms s
ms`
out outuay uaym m ymal mnm im`d
nma ofa`aldmt
pmnm
omamhfof
dftfrsfn`mma
a
UNO,Sfalmumt ma
UNO
nma
Sfalmumtma Srksfs
im`d
nmr` Sfrfaemmma,ok a`tkr`al
nma
fvmjums`aym mds mdsfs fs Ofoifr`dma
Ofa`aldm
Ofa` Of a`al aldmt dmtdma dma
taym
dfoman`r`ma
d`afrhm
outu sfn`mma Bmroms` Dfbmroms`ma
VDS
nma mjmt Dfsfgmtma
nma pfjmymama
nma pfalluamma Kimt Ki mt
rms` rms`ka kamj mj
6<
n`
Bms`j`tms
dfsfgmtma,pfrs fn`mma kimt,vmds`a nma pfrifdmjma dfsfgmtma ymal ifroutu,ofrmt m
nma
tfrhmaldmu Ofa`aldm
Ofa`aldmtdma
taym
dfpumsma
d`afrhm
tfrgmnmp
outu
Susdfsoms Smd`s Umpm Umpm,, Um Umjm jmo o , nfalma Sfjmymama Ufayuo, Ukpma
Ufjmju pms`fa ofafrmpdma jmymama tmtm a`jm` ym` ym`tu tu
Sr`om
, Umatua. Ofjmdudma
Ofa`ald
Ofa`aldm
Ofa`aldmtdma
mtaym
taym
emd mdup upma ma,o ,out utu u
dfsfgmtm
d`afrhm
dfifrjmalsualma
a
VDO
upmym
omsymrm
fsfas`mj
nma nm a pf pfjm jmym ymam ama a pm pmnm nm Fvmjums` uatud
dmt
nma Outu Sfrf Sf rfae aema mamm mma a
,
Sfaeflmgma oka`tkr`al nma
upmym upmy m Dfs Dfsfgmt fgmtma ma D@M om`sal-oms`al &DI,Srkodfs,Dfsj`al, S9
nma
prklrmo.Ufg`a
Sfrmwmtma llm
i`sm
Dfsfgmtma
ofafouda
omsymrmdmt
`akvms`
ymal
i`sm ofa`aldmtdma d`afrhm Srklrmo
67
Ofa`aldm
Ofa`aldmtdma
taym
emd mdup upma ma,o ,out utu u
d`afrhm
dfifrjmalsualma
VDO
upmym
pfalfoim
nma nm a pf pfjm jmym ymam ama a pm pmnm nm Fvmjums` uatud
alma
upmym
Ofjmdudma nma Outu Sfrf Sf rfae aema mamm mma a
,
Sfaeflmgma oka`tkr`al nma
Dfsfgmtma om`sal-oms`al
Jmas`m,Dfskrlm,@anfrm
prklrmo.Ufg`a
,Dfsfgmtma
llm
i`sm
H`wm,Sfalkimtma H`wm,Sfa lkimtma
ofafouda
^rmns`kamj
`akvms`
ymal
i`sm ofa`aldmtdma d`afrhm Srklrmo
IMI R YFAEMAM U^YM^FL@U
Yfaemam strmtfl`s ymal ofj`put` Yfaemam Srklrmo nma Dfl`mtma, @an`dmtkr D`afrhm, Dfjkopkd Umsmrma nma Sfanmamma @an`dmt`b nmpmt n`j`gmt n`j `gmt nmjmo tmif tmifjj n` imwm imwmg g `a` `a`,, n`s n`sfsum fsum`dma `dma nfalma omsm hmim hmimtma tma Dfpmjm Nmfrmg.
60
YFAEMAM U^YM^FL@U SVUDFUOMU SMD@U ^MGVA 9399 - 9392
^VHVMA
8 Ofa`aldmtaym dfpumsma omsymrmdmt mtms jmymama dfsfgmt dfsfgmtma ma
Dkan`s` Ak
=.
@an`dmtkr ^uhuma
Sfalfrt`ma
@a @anf nfds ds Df Dfp pumsm umsma a
Sfraymtmma pums kjfg
Omsymrmdmt (@DO)
pfjmallma ofaemdup
tfrgmnmp pfjmymama dfsfgm tma pmnm IJVN
^mrlft Sfr ^mgua
^mgua 939=
9399
9395
939>
9396
9392
. Dfwmhmr Dfwmhmrma ma i`mym/tm i`mym/tmr`b r`b
23
6. Dfsfsum Dfsfsum`ma `ma Srknud Srknud pfjmymama nfalma stmanmr 2. Dkop Dkopftf ftfas` as` /dfomopuma pftulms nmjmo jmymama
9396
9392
=33%
=33%
=33%
=33%
=33%
=33%
Sfjmymama O`a`omj I`nmal Dfsfgmtma ymal sfjmahutaym n`s`aldmt USO I`nmal Dfsfgmtma ofrupmdma meuma iml` Sfofr`atmg
29
Nmfrmg Dmiupmtfa/Dktm nmjmo pfayfn`mma pfjmymama dfsfgmtma ymal ifrgmd n`pfrkjfg sft`mp wmrlm sfemrm o`a`omj.
25
YFAEMAM U^YM^FL@U SVUDFUOMU SMD@U ^MGVA 9399 - 9392
UMUMYM UMU MYMA A
Ak
=.
8 Ofa`al Ofa`aldmta dmtaym ym mno`a mno`a`str `strms` ms` nm nma a omamhfo omamhfofa fa
@an`dmtkr
Bkroujms`
Umsmrma
Sfrg`tualma
A`jm`
SDS
Dkan`s`
^mrlft Sfr ^mgua
^mgua
Utrmtfl`
939=
93 9399 99 93 9395 95 93 939> 9> 93 9396 96 93 9392 92 Dfi`hmdma
7.=>
7.93
7.96
7. 6
7.2
7.<
Srklrmo
Ofayfjmrm
Omamhfa
sdma
fa
mno`a`strms`
nkduofa
uouo,
omamhfofa
pfrfaemrm
nma
ma oujm`
smrmam
nmr`
prmsmrm
Yfastrm,
am
`an`dmtkr
YVD, YSD, YIM
2>
YFAEMAM U^YM^FL@U SVUDFUOMU SMD@U ^MGVA 9399 - 9392 UMUM UMUMYM YMA A
Ak
=.
8 Ofa` Ofa`al aldm dmtay taym m d`afr d`afrhm hm VD VDS S
@an`dmtkr
Bkroujms`
Umsmrma
Sfrg`tualma
A`jm` `an`dmtkr VDS
SDS
Dkan`s`
^mrlft Sfr ^mgua
Utrmtfl`
^mgua 939=
9399
9395
939> 39>
939 9396
9392 392
73.3>
7=
7=.6
79
79.6
75
Dfi`hmdma
Srklrmo
Ofa`aldmt Srkjma`s, dma
G^, NO,
jmymama
Dfjfald
serffa`al
mpma
NO, G^,
YO
Srkjma`s.
26
YFAEMAM U^YM^FL@U SVUDFUOMU SMD@U ^MGVA 9399 - 9392
UMUM UMUMYM YMA A
Ak
=.
8 Ofa`a Ofa`ald ldmta mtaym ym d` d`afr afrhm hm ou outu tu
@an`dmtkr
Bkroujms`
Umsmrma
Sfrg`tualma
A`jm`
SDS
Dkan`s`
^mrlft Sfr ^mgua
Utrmtfl`
^mgua 939=
9399
9395
939> 39>
939 9396
9392 392
77.9
77.6
77.<
70
70.5
70.6
Dfi`hmdma
Srklrmo
`an`dmtkr outu
22
YFAEMAM U^YM^FL@U SVUDFUOMU SMD@U ^MGVA 9399 - 9392 UMUMYM UMU MYMA A
Ak
=.
8 Ofa`a Ofa`aldm ldmtaym taym d`afrhm d`afrhm VDO fsfas`m fsfas`mjj
@an`dmtkr
Bkroujms`
Umsmrma
Sfrg`tualma
A`jm` `an`dmtkr
SDS
Dkan`s`
^mrlft Sfr ^mgua
Utrmtfl`
^mgua 939=
9399
9395
939> 39>
939 9396
9392 392
Dfi`hmdma
Srklrmo
Ofjmdudm
@oua`sm
a
s`, S^O,
VDO
`atfas`tms
fsfas`mj
duahualm a ruomg mtmu swffp`al `oua`sms` imj`tm ymal t`nmd nmt`al df
2<
pksymanu. Ofoiumt pkj` VIO (Vpmym Ifrgfat` Ofrkdkd). Ofa`aldmt dma serffa`al S^O.
27
YFAEMAM U^YM^FL@U SVUDFUOMU SMD@U ^MGVA 9399 - 9392 UMUMYM UMU MYMA A
Ak
=.
8 Ofa`al Ofa`aldmta dmtaym ym d`afrh d`afrhm m VDO pfalf pfalfoim oimalma alma
@an`dmtkr
Bkroujms`
Umsmrma
Sfrg`tualma
A` A`jm jm`` `an` `an`d dmt mtkr kr VDO pfalfoimalm a
SDS
^mrlft Sfr ^mgua
Dkan`s` ^mgua
Utrmtfl` 939
939=
9
2=.>0
29
9395 939 5 939> 939>
29.6
25
939 6 25.6
9392 Dfi`hmdma
2>
Srklrmo
Ofa`aldmt
Jmas`m,
dma
Bmroms`,
pfjmymama
Dfsfgmt
pmnm
ma
jmas`m
Dfrhm,
nfalma
Pmadfstr
`akvms`
mn
ymal n`iumt dft`dm
20
pmanfo`
9396
9392
72
9396
9392
=3
=3
=3
=3
=3
<
=3
=3
=3
=3
=3
YSD/SKM Huojmg iujmama/t nkduofa mguama YSD/SKM iujmama/tmg uama
<
=3
=3
=3
=3
=3
Jkdmdmrym Huojmg O`a` nkduofa iujmama Jkdmdmrym (jkdo`a O`a` iujmama iujmama) (jkdo`a iujmama) ymal n`susua
<
=3
=3
=3
=3
=3
Yfaemam 6 Huojmg (j`om) nkduofa tmguama Yfaemam 6 (j`om tmgua) ymal n`susua
YVD ^mgua (A+=)
Huojmg nkduofa YVD ^mgua (A+=) ymal n`susua
9396
9392
=3
=3
=3
=3
=3
=3 =3
=3
=3
=3
=3
=3
<
=3
=3
=3
=3
=3
9396
9392
=3
=3
=3
=3
=3
=3
=3
=3
=3
=3
=3
=3
=3 =3
=3
=3
=3
=3
=3
Dfjumrlm nma Dfjkopkd
tulms
tulms ymal tfrsusua
Huojmg nkduofa rfaemam prklrmo outu nma dfsmjmomtma pms`fa ymal tfrsusua Sfalfjkjmm Sfrsfatmsf a r`s`dk n` `nfat`b`dms` Susdfsom r`s`dk s pusdfsoms ymal n`tmalma`/ n`t`anmdjmahu t`
Yfaemam prklrmo outu nma dfsfjmomt ma pms`fa
Dkan` s` ^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Dfl` Dfl`mt mtma ma
@an`d n`dmt mtkr kr
Sfalfjkjmm Sfrsfatmsf a pfalmnuma Sfalmnum pfjmallma a ymal Sfjmallma n`t`anmdjmahu t` nma n` fvmjums`
Umt mtu uma
Mwmj ^mgua 939= =3 =3
^mrlft 9399
9395
939>
9396
9392
=3
=3
=3
=3
=3
Uurvf` Dfpumsma Omsymrmd mt nma Uurvf` Dfpumsma Sms`fa
Sfrsfatmsf gms`j pfa`jm`ma survf` omsymrmdmt
=3 =3
=3
=3
=3
=3
=3
Mun`t `atframj
A`jm` outu jmymama ymal n`pmatmu nma n`jmdudma mun`t
=3 =3
=3
=3
=3
=3
=3
Huojmg dfl`mtma Ympmt ^`ahmuma Omamhfofa ymal n`jmdsmamdma
=3 =3
=3
=3
=3
=3
=3
Ympmt ^`ahmuma Omamhfof a
9396
9392
=3
=3
=3
=3
=3
=3 =3
=3
=3
=3
=3
=3
=3 =3
=3
=3
=3
=3
=3
9396
9392
=3
=3
=3
=3
=3
Mamj`s`s nmtm MUSMD nma rfaemam t`anmd jmahut
Huojmg nmtm MUSMD ymal tfjmg tfrpfaug`
Sfofj`gmr mma prmsmrmam Susdfsom s Dmj`irms` mjmt dfsfgmtma
Huojmg prmsmrmam pusdfsoms ymal jm`d buals` Sfrsfatmsf mjdfs ymal n`dmj`irms`
=3 =3
=3
=3
=3
=3
=3
<
=3
=3
=3
=3
=3
Sfrim`dma nma
Sfrsfatmsf pfrmjmtma
=3 =3
=3
=3
=3
=3
=3
=3
=3
=3
=3
=3
=3
ofn`s nma pfofj`gmr aka ofn`s mma pfrmjmtma ymal ofn`s nma n`jmdudma aka ofn`s pfrim`dma nma pfofj`gmrmma Srklrmo Omamhfo fa Dfumalm
Sfrsfatmsf pfaempm`ma tmrlft prklrmo
9396
9392
=3 =3
=3
=3
=3
=3
=3
=3 =3
=3
=3
=3
=3
=3
=3 =3
=3
=3
=3
=3
=3
9396
9392
=3
=3
=3
=3
=3
<
=3
=3
=3
=3
=3
<
=3
=3
=3
=3
=3
=3
=3
=3
=3
=3
=3
9396
9392
=3 =3
=3
=3
=3
=3
=3
tmrlft prklrmo Omamhfofa Sfjmymama Dfbmroms`ma (Sfalfjkjmma kimt, vmds`a, rfmlfa nma
UKS Sfjmymama Dfbmroms` ma
imgma gmi`s pmdm`) Sfrsfatmsf Sfjmymama Dfbmroms`ma ymal tfjmg ofofaug` UKS
Umrmam Srmsmrmam Sfjmymama Dfbmroms` ma
Sfrsfatmsf Umrmam Srmsmrmam Sfjmymama Dfbmroms`ma ymal sfsum` stmanmr
=3 =3
=3
=3
=3
=3
=3
Nmtm nma `abkroms` Sfjmymama Dfbmroms` ma
Huojmg nmtm nma `abkroms` pfjmymama dfbmroms`ma
>
<
=3
=3
=3
=3
73
Dkan` s` ^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Dfl` Dfl`mt mtma ma
@an`d n`dmt mtkr kr
ymal n`susua Huojmg Dfl`mtma nkduofa Fnudms` Dfl`mtma nma VDO ymal Sfoifrnm n`susua ymma omsymrmd mt tfatmal kimt pmnm Lfrmdma omsyrmdmt efrnms ofalluam dma kimt Ofa`ald mtaym d`afrhm VDS
Srklrmo Sfjmymam a Aka Ymwmt @amp
A`jm` `an`dmtkr VDS Sfrsfatmsf pfaempm`ma tmrlft prklrmo pfjmymama aka rmwmt `amp
Umt mtu uma
Mwmj ^mgua 939= 3
^mrlft 9399
9395
939>
9396
9392
>
<
=3
=3
=3
7=
^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Maldm Huojmg Dkatmd pfsfrtm Dkoua`dm tfrnmbtmr s` ymal ofjmdudma dkatmd nfalma BD^S
Kr Krmal
Dkan` s` Mwmj ^mgua 939= =33%
Yms`k
Dm Dmsus
=33%
Kr Krmal
9396
9392
62%
67%
23%
29%
2>%
Dfsfsum`m a hfa`s pfjmymama jmikrmtkr` uo nfalma stmanmr
Sfrsfatmsf hfa`s pfjmymama jmikrmtkr`uo ymal tfrsfn`m
Dftfpmtma wmdtu tuallu pfayfrmgm a gms`j pfjmymama jmikrmtkr` uo
Sfrsfatmsf dftfpmtma wmdtu tuallu pfayfrmgma gms`j pfjmymama jmikrmtkr`uo
Sm S ms`fa
9396
9392
=3% 23%
=3% 23%
=3% 23%
=3% 23%
=3% 23%
73%
03%
=33%
=33%
=33%
tfopmt t`nur rmwmt `amp
Dfjfaldmp Sfrsfatmsf ma rfdmo ofn`d pfal`s`ma rmwmt `amp rfdmo ymal n``s` ofn`d jfaldmp rmwmt `amp Ofa`ald mtaym d`afrhm outu
Umt mtu uma
Dkan` s` Mwmj ^mgua 939=
I If frdms
9396
9392
=33%
=33%
=33%
=33%
=33%
70
^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Dfl` Dfl`mt mtma ma
ma jkdms` pfoifnmg ma ymal ifamr, prksfnur ymal ifamr, pfoifnmg
@an`d n`dmt mtkr kr
Umt mtu uma
Srklrmo Sfaeflm
^mrlft 9399
9395
939>
9396
9392
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
Dfpmtugma ofjmdudma nkuifj egfed tfrgmnmp prksfnur pfoifnmgma uatud ofomst`dma
ma pmnm jkdms` pms`fa pfoifnmgma ymal ymal ifamr ifamr Kr Krmal Ofalurma Sfrsfatmsf Dfpmtugma l` r`s`dk pftulms `abfds` ofjmdudma md`imt pfrmwmtma gman gyl`faf dfsfgmtma Ofalurma l` r`s`dk efnfrm pms`fa md`imt tfrhmtug
Dkan` s` Mwmj ^mgua 939=
Sfrsfatmsf Dfpmtugma nmjmo ofjmdudma pfatmp`sma (serffa`al ) pms`fa nfalma r`s`dk hmtug Sfrsfatmsf pfaempm`ma
Kr Krmal
03
^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Dfl` Dfl`mt mtma ma
@an`d n`dmt mtkr kr
Dfpmtugm a pftulms ofalluam dma MSN
tmrlft prklrmo Sfaeflmgma nma Sfalfanmj`ma @abfds` (SS@) Sfrsfatmsf pftulms ymal ofalluamdm a MSN
gma nma Sflfanmj `ma @abfds` (SS@)
Dfpmtugm a prksfnur nfs`abfds` nma stfr`j`sms` mjmt sftfjmg t`anmdma
Dfpmtugm a prksfnur pfaeflmgm a pfaujmrma
Sfrsfatmsf pftulms Susdfsoms ymal ofahmlm dfpmtugma tfrgmnmp prksfnur nfs`abfds` nma/mtmu stfr`j`sms` mjmt sftfjmg t`anmdma Sfrsfatmsf dfpmtugma pftulms tfrgmnmp prksfnur npfaeflmgma
Umt mtu uma
Dkan` s` Mwmj ^mgua 939=
Kr Krmal
Kr Krmal
Jmald mg
^mrlft 9399
9395
939>
9396
9392
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
0=
^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Dfl` Dfl`mt mtma ma
`abfds` Sfoiumal ma j`oimg ifanm tmhmo ofofaug` stmanmr Ofa`ald mtaym dfsfgmtm a omsymrm dmt (VDO fsfas`mj nma pfalfoi malma)
Ofa`ald mtaym d`afrhm VDO fsfas`mj
@an`d n`dmt mtkr kr
pfaujmrma `abfds` Sfrsfatmsf prksfnur pfoiumalma j`oimg ifanm tmhmo ymal ofofaug`
Umt mtu uma
Dkan` s` Mwmj ^mgua 939=
Ikx
=33%
stmanmr Sfrsfatmsf USO ymal tfrempm` A`jm` `an`dmtkr VDO fsfas`mj Srklrmo Vpmym Srkoks` Dfsfgmtm a Sfaldmh`m a SGIU
Sfrsfatmsf pfaempm`ma tmrlft prklrmo prkoks` dfsfgmtma Yuomg ^mallm ymal n`dmh` @ast`tus` Sfan`n`dma ymal n`dmh` Skankd
^mrlft 9399
9395
939>
9396
9392
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
Yuom g ^mallm
96%
9 6>%
62%
67%
23%
29%
2>%
>5%
63%
23%
3%
23%
73%
=33%
=33%
05 05%
06%
=33%
=33%
=33%
=33%
3%
56%
63%
26%
73%
=33%
05
^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Dfl` Dfl`mt mtma ma
@atfrvfas` / Sfayujugm a
Sfalfoim alma VDIO
Sfalfoim alma Nfsm/Dfju
@an`d n`dmt mtkr kr
Dfl`mtma `atfrvfas` pmnm Dfjkopkd Yuomg ^mallm
Umt mtu uma
Sksyma nu
Dkan` s` Mwmj ^mgua 939= >5 >5,5%
9399
9395
939>
9396
9392
23%
73%
=33%
=33%
=33%
^mrlft
Dfl`mtma `atfrvfas` pmnm @ast`tus` Sfan`n`dma
@ast`tu s` Sfan`n` dma
=33%
=33%
=33%
=33%
=33%
=33%
Dfl`mtma `atfrvfas` pmnm Skankd Sfsmatrfa Sksymanu Imj`tm SVY@ (Suramom Oman`r`) Sksdfsnfs/ Sksdfsdfj Mdt`b
Sk S kapfs
=33%
=33%
=33%
=33%
=33%
=33%
73%
03%
=33%
=33%
=33%
Nfsm/ Dfjurmgma U`mlm Mdt`b Nfsm/
Sksyma nu
6%
63%
66%
23%
26%
Nfsm
0>
^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Dfl` Dfl`mt mtma ma
@an`d n`dmt mtkr kr
rmgma Dfjurmgma U`mlm Mdt`b U`mlm Mdt`b SVY@ (Suramom Oman`r` ) Sfoi`amma Nfsm/Dfjurm gma U`mlm Mdt`b Srkoks` Dfsfgmtma nma Sfoifrnm ymma Omsymrmdt m
Umt mtu uma
Dkan` s` Mwmj ^mgua 939=
Nfsm
Srkoks` Nfsm dfsfgmtma uatud prklrmo pr`kr`tms n` nmjmo lfnual Susdfsoms nma hmr`almaaym (smsmrma omsymrmdmt) Susdfs Srkoks` oms & dfsfgmtma Hmr`alm uatud aaym prklrmo pr`kr`tms ofjmju` pfoifrnmymm a
^mrlft 9399
9395
939>
9396
9392
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
06
^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Dfl` Dfl`mt mtma ma
@an`d n`dmt mtkr kr
Umt mtu uma
omsymrmdmt n` i`nmal dfsfgmtma (dfl`mtma n` jumr lfnual Susdfsoms) Srkoks` dfsfgmtma
Ufdkjm g
Dkan` s` Mwmj ^mgua 939=
^mrlft 9399
9395
939>
9396
9392
=%
66%
26%
6%
>6%
2= 2=,0%
prklrmo pr`kr`tms n` Ufdkjmg (UN nma UOS) Sfaludurma nma Sfoi`amma t`aldmt pfrdfoimalm a VDIO Srklrmo Vpmym Dfsfgmtm a J`aldua lma Sfayfgmtm a M`r
Sfrsfatmsf pfaempm`ma tmrlft prklrmo upmym dfsfgmtma j`aldualma @aspfds` Dfsfgmtma J`aldualma
V VD DIO
UMI
02
^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Dfl` Dfl`mt mtma ma
@an`d n`dmt mtkr kr
Umrmam M`r Ifrs`g (UMI) / Umrmam M`r O`auo (UMO) Umrmam M`r Ifrs`g (UMI)/Umrma m M`r O`auo (UMO) ymal ofofaug` symrmt dfsfgmtma Umrmam M`r Ifrs`g (UMI)/Umrma m M`r O`auo (UMO) ymal n`pfr`dsm
Umt mtu uma
Dkan` s` Mwmj ^mgua 939=
U UM MI
^mrlft 9399
9395
939>
9396
9392
9396
9392
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
=33%
Sfjmdsmamma Dfl`mtma U^IO n` Susdfsoms
Srklrmo Vpmym Sfjmymam
Sfrsfatmsf pfaempm`ma tmrlft
a Dfsfgmtm a @iu, Mamd nma Dfjumrlm Ifrfaem am
prklrmo upmym pfjmymama dfsfgmtma `iu, mamd nma dfjumrlm ifrfaemam Duahualma Sfrtmom @iu Gmo`j (D=)
Dfsfgmtma @iu
Umt mtu uma
Dkan` s` Mwmj ^mgua 939=
Sfjmymama Dfsfgmtma @iu Gmo`j (D>) - USO
=33
^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Dfl` Dfl`mt mtma ma
Sfjmymama Sfrsmj`ama kjfg tfamlm dfsfgmtma n` bms`j`tms dfsfgmtma (Sb) (@an`dmtkr USO)
K Krrmal
Dkan` s` Mwmj ^mgua 939= =33%
Sfjmymama A`bms kjfg tfamlm dfsfgmtma (DB)
K Krrmal
=33%
=33%
=33%
=33%
=33%
=33%
Sfamalmama dkopj`dms` dfi`nmama
Kr Krmal
79%
7>%
72%
77%
03%
09%
Krmal
=33%
=33%
=33%
=33%
=33%
=33%
@an`d n`dmt mtkr kr
Umt mtu uma
^mrlft 9399
9395
939>
9396
9392
=33%
=33%
=33%
=33%
=33%
(SD)
@iu gmo`j ymal n`pfr`dsm G@R
=3=
^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Dfl` Dfl`mt mtma ma
Dfsfgmtma Imy`
Sfjmymama Dfsfgmtma Afkamtus pfrtmom (DA=)
Imy`
Dkan` s` Mwmj ^mgua 939= =33%
Sfjmymama Dfsfgmtma
Imy`
=33%
=33%
=33%
=33%
=33%
=33%
Imy`
=33%
=33%
=33%
=33%
=33%
=33%
Imy`
=33%
=33%
=33%
=33%
=33%
=33%
73%
76%
03%
06%
=33%
@an`d n`dmt mtkr kr
Afkamtus 397 gmr` (DA jfaldmp) (Utmanmr Sfjmymama O`a`omj df 5) Sfamalmama dkopj`dms` afkamtus
Dfsfgmtma Mamd Imj`tm nma Mamd Srmsfdkjm g
Sfjmymama dfsfgmtma imy` 90 gmr` == iujma Sfjmymama dfsfgmtma imj`tm (3 - 60 iujma) (Utmanmr Sfjmymama O`a`omj df
Umt mtu uma
Imj`tm
9396
9392
=33%
=33%
=33%
=33%
=33%
=39
^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Dfl` Dfl`mt mtma ma
@an`d n`dmt mtkr kr
>) Sfjmymama dfsfgmtma Mamd prm sfdkjmg (23
9396
9392
23%
> > >%
63%
23%
9396
9392
=33%
=33%
=33%
=33%
=33%
70%
03%
0=%
09%
Krmal
7
9396
9392
YB^ pfanfr`tm Dustm Srkpkrs` tfamlm dfsfgmtma Dustm tfrsks`mj`sms` Dmnfr Sksymanu ymal tfjmg ofanmpmt sks`mj`sms` dustm UN/ O@ tfjmg n`jmdudma serffa`al Dustm Sfjmymama dfsfgmtma ^IE Smru
Dmsus ^IE ymal n`tfoudma nma n`kimt` Sfrsfatmsf Sfjmymama krmal tfrnulm ^IE ofanmpmtdm a pfjmymama ^IE sfsum`
==3
Dkan` ^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Dfl` Dfl`mt mtma ma
Sfaeflmgm a nma Sfamalluj malma SOU nma G@R/M@NU
@an`d n`dmt mtkr kr
stmanmr (Utmanmr Sfjmymama O`a`omj df ==) Maldm Dfifrgms`jma pfalkimtma dmsus ^IE (Uueefss Ymtf/UY) Ufdkjmg (UOS nma UOM/sfnfrmh mt) ymal sunmg n`hmaldmu pfayujugma G@R/M@NU Krmal ymal ifrfs`dk tfr`abfds` G@R ofanmpmtdm a pfofr`dsmma G@R (Utmanmr Sfjmymama
Umt mtu uma
s` Mwmj ^mgua 939=
^mrlft 9399
9395
939>
9396
9392
O`a`omj df =9)
===
^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Dfl` Dfl`mt mtma ma
@an`d n`dmt mtkr kr
Umt mtu uma
Dkan` s` Mwmj ^mgua 939=
^mrlft 9399
9395
939>
9396
9392
Sfaeflmgm Maldm Ifims a Nfoma Hfat`d (MIH) Ifrnmrmg Nfaluf Sfanfr`tm (NIN) NIN n`tmalma` SF dmsus NIN Sfjmymama Dfsfgmtma Omjmr`m
Sfanfr`tm Omjmr`m ymal n`jmdudma pfofr`dsmma UN Sfanfr`tm pks`t`b Omjmr`m ymal n`kimt` sfsum` pfalkimtma stmanmr Sfanfr`tm pks`t`b Omjmr`m ymal bkjjkw up n` n` bkjjkw
==9
Dkan` ^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Dfl` Dfl`mt mtma ma
@an`d n`dmt mtkr kr
Sfaeflmgm a nma Sfamalluj malma Ymi`fs
Eue` judm tfrgmnmp dmsus l`l`tma GSY
Sfjmymama @oua`sms`
Rmds`ams` tfrgmnmp dmsus l`l`tma GSY ymal ifr`an`dms` @NJ (@oua`sms` Nmsmr Jfaldmp) VE@ nfsm @oua`sms` Jmahutma Imnutm ( us`m =7 sn 9> iujma) @oua`sms` N^ pmnm mamd dfjms = UN @oua`sms` Emopmd pmnm mamd dfjms = UN
Umt mtu uma
s` Mwmj ^mgua 939=
^mrlft 9399
9395
939>
9396
9392
@oua`sms` ^n
==5
^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Dfl` Dfl`mt mtma ma
@an`d n`dmt mtkr kr
Umt mtu uma
Dkan` s` Mwmj ^mgua 939=
^mrlft 9399
9395
939>
9396
9392
pmnm mamd UN dfjms 9 nma 6 @oua`sms` ^^ 6 pmnm \VU (=6->0 tg) @oua`sms` ^^9 pjus iuo`j (=6->0 tg) Sfomatmuma sugu, RRO, sfrtm Mjmro N`al`a pmnm jfomr` fs pfay`opma vmds`a Dftfrsfn`mma iudu emtmtma stkd vmds`a sfsum` nfalma huojmg vmds`a prklrmo `oua`sms` sfrtm pfjmrutaym Jmpkrma D@S@ Xfrk
==>
Dkan` ^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Dfl` Dfl`mt mtma ma
@an`d n`dmt mtkr kr
rfpkrt`al / D@S@ Aka sfr`us Sfalmomt Jmpkrma U^S ma ymal tfpmt Sfaymd`t wmdtu (Uurvf`jjma Dfjfaldmpma ef jmpkrma U^S Fp`nfo`kjk Jmpkrma E= ly) tfpmt wmdtu Dfjfaldmpma jmpkrma E= Jmpkrma \9 (o`alluma) ymal tfpmt wmdtu Dfjfaldmpma jmpkrma \9 (o`alluma)
Lrmb`d ^rfan O`alluma Sfaymd`t Sktfas`mj
Umt mtu uma
s` Mwmj ^mgua 939=
^mrlft 9399
9395
939>
9396
9392
\mimg Nfsm/
==6
^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Dfl` Dfl`mt mtma ma
@an`d n`dmt mtkr kr
Umt mtu uma
Dkan` s` Mwmj ^mgua 939=
^mrlft 9399
9395
939>
9396
9392
Dfjurmgma ymal ofalmjmo` DJI n`tmallujmal` nmjmo wmdtu durmal nmr` 9> (num pujug fopmt) hmo Sfaeflmgm Ufdkjmg ymal mnm n` a nma Sfalfanmj w`jmymg Susdfsoms `ma mtmu Sfaymd`t Susdfsoms t`nmd ofjmdsmamdm Ofaujmr a D^Y Sfrsfatmsf ofrkdkd pfanunud us`m =3- =7 tmgua Susdfsoms nma hfhmr`alaym /bmsdfs n`w`jmymgaym ofjmyma` Vpmym Ifrgfat`
==2
Dkan` ^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Dfl` Dfl`mt mtma ma
@an`d n`dmt mtkr kr
Ofrkdkd (VIO) Sfjmymama Dfsfgmtma Vs`m Srknudt`b Nftfds` N`a` Bmdtkr Y`s`dk S^O us`m ≦ =6 tmgua Nftfds` n`a` dmadfr pmyunmrm nma dmadfr sfrv`ds pmnm pfrfopuma us`m 53-63 tmgua mtmu pfrfopuma ymal ofo`j`d` r`wmymt sfdsumj mdt`b Ofa`ald mtaym d`afrhm
A`jm` `an`dmtkr VDO
Umt mtu uma
s` Mwmj ^mgua 939=
^mrlft 9399
9395
939>
9396
9392
VDO pfalfoi
pfalfoimal ma
==<
^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
malma
Srklrmo Sfjmymam a Dfpfrmw mtma Dfsfgmtm a Omsymrm dmt
Dfl` Dfl`mt mtma ma
@an`d n`dmt mtkr kr
Umt mtu uma
Dkan` s` Mwmj ^mgua 939=
^mrlft 9399
9395
939>
9396
9392
Sfrsfatmsf pfaempm`ma tmrlft prklrmo pfjmymama dfpfrmwmtma dfsfgmtma omsymrmdmt Emdupma Huojmg Duahualm dfjumrlm a Yuomg ymal n`duahual` nmjmo prklrmo @ankafs`m Ufgmt Huojmg Dfpmjm Dfpmjm Dfjumrlm Dfjumrlm (DD) ymal rmwma dfsfgmtma ofanmpmt Msugma ymal Dfpfrmwmtma ofanmpmt kjfg t`o Msugma Dfpfrmwmt tfrpmnu Susdfsoms ma Dfjumrlm Dfpmjm Huojmg Dfjumrlm Dfpmjm (DD) ymal Dfjumrlm n`i`am nma ymal n`i`am
==7
Dkan` ^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Dfl` Dfl`mt mtma ma
tfjmg Oman`r`/ ofofaug` dfiutugm a dfsfgmtma Dfjkopkd Omsymrmd mt rmwma ymal ofanmpmt Msugma Dfpfrmwmt ma Dfjkopkd Srklrmo Sfjmymam a Dfsfgmtm a H`wm
Huojmg Dfjkopkd omsymrmd mt yl mnm n` w`jmymg dfrhm
@an`d n`dmt mtkr kr
Umt mtu uma
nma tfjmg oman`r`
Sfrsfatmsf dfjkopkd omsymrmdmt rmwma ymaal ofanmpmt Msugma Dfpfrmwmtma
Sfrsfatmsf pfaempm`ma tmrlft prklrmo pfjmymama dfsfgmtma h`wm Huojmg Dfjkopkd omsymrmdmt yl mnm n` w`jmymg dfrhm Susdfsoms
Sfrsfat msf
s` Mwmj ^mgua 939=
^mrlft 9399
9395
939>
9396
9392
Susdfsom s Sf Sfjm jmym yma ama
Hu Huo ojm jmg g
==0
^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Dfl` Dfl`mt mtma ma
@an`d n`dmt mtkr kr
Umt mtu uma
Dkan` s` Mwmj ^mgua 939=
^mrlft 9399
9395
939>
9396
9392
Dfsfgmtma KNLH ymal Krmal ofanmpmt Nfalma pfjmymama Lmalluma dfsfgmtma H`wm. Sfjmymama Emdupma Dfsfgmtma pfjmymama H`wm dfsfgmtma Nfprfs` h`wm nfprfs` Sfjmymama Emdupma Dfsfgmtma pfjmymama dfsfgmtma H`wm Lmalluma h`wm lmalluma Ofatmj Foks`kamj ofatmj foks`kamj (LOF) (LOF) ^fouma Huojmg Dmsus pfafouma Sfomsual dmsus ma pmnm pfomsualma Krmal pmnm KNLH Nfalma Lmalluma H`wm (KNLH). Sfauruam Huojmg a Huojmg dmsus Dmsus pmsual ymal Smsual
ifjuo
=93
Dkan` ^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Dfl` Dfl`mt mtma ma
ymal ifjuo n`jfpms Duahualm a Sms`fa KNLH
Sfamalma ma Dmsus Ofjmju` Yuhudma df Yuomg Umd`t Vouo / YUH. Srklrmo Sfjmymam a Dfsfgmtm a L`l` Omsymrm dmt
@an`d n`dmt mtkr kr
n`jfpms
Huojmg duahualma pms`fa KNLH df pusdfsoms Huojmg pms`fa ymal ofanmpmt pfjmymama n` bmsymadfs
Sfrsfatmsf pfaempm`ma tmrlft prklrmo pfjmymama l`l` omsymrmdmt SMVN nma Huojmg ^D ymal SMVN nma ^D ofanmpmt ymal pfayujugm ofanmpmt a/pfofr`d pfayujugma/
Umt mtu uma
s` Mwmj ^mgua 939=
^mrlft 9399
9395
939>
9396
9392
smma l`l` nma oujut
pfofr`dsmma l`l` nma oujut
=9=
^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Dfl` Dfl`mt mtma ma
@an`d n`dmt mtkr kr
Umt mtu uma
Dkan` s` Mwmj ^mgua 939=
^mrlft 9399
9395
939>
9396
9392
Sfrsfatmsf duahualma df Sksymanu tfrd`mt dfsfgmtma l`l` nma oujut Srklrmo Sfrsfatmsf Sfjmymam pfaempm`ma a tmrlft rklrmo Dfsfgmtm pfjmymama a dfsfgmtma ^rmn`s`k trmn`s`kamj amj Huojmg Sfayfgmt ^rmn`s`kam pfayfgmt trmn`s`kamj j ymal ymal ofo`j`d` U^S^ ofo`j`d` U^S^ Dfjkopkd Huojmg Msugma nfsm/dfjurmg Oman`r` ma ymal ymal ofo`j`d` tfrifatud Dfjkopkd Msugma Oman`r` Smat` Huojmg pmat` Ufgmt sfgmt ifrdfjkop ifrdfjkopkd kd ymal ymal ifr`h`a ifr`h`a Duahualm a df Sksymanu tfrdm`t dfsfgmtma l`l` nma oujut
=99
Dkan` ^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Dfl` Dfl`mt mtma ma
@an`d n`dmt mtkr kr
Bms`j`tms Sfjmymama Dfsfgmtma ^rmn`s`kam j ifrdfjkop kd ymal ifr`h`a (Lr`ym Ufgmt) Sfoi`amm a Sfayfgmt ^rmn`s`kam j
Huojmg bmsymadfs trmn`s`kamj ymal ifr`h`a
Srklrmo Sfjmymam a Dfsfgmtm a Dfjumrlm Dfjkopkd /djui kjmgrmlm ymal n`i`am Sfaludur
Huojmg pfayfgmt trmn`s`kamj ymal n`i`am Sfrsfatmsf pfaempm`ma tmrlft prklrmo pfjmymama dfsfgmtma dfjumrlm Huojmg dfjkopkd/dj ui kjmgrmlm ymal n`i`am Huojmg EHG
Umt mtu uma
s` Mwmj ^mgua 939=
^mrlft 9399
9395
939>
9396
9392
ma Dfiulmrm a Emjka
ymal n`jmdudma pfaludurma
=95
^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Dfl` Dfl`mt mtma ma
@an`d n`dmt mtkr kr
Umt mtu uma
Dkan` s` Mwmj ^mgua 939=
^mrlft 9399
9395
939>
9396
9392
Hmommg dfiulmrma Gmh` Sfaludur Huojmg mamd ma sfdkjmg ymal dfiulmrma n`jmdudma hmsoma` pfaludurma pmnm mamd dfiulmrma sfdkjmg Srklrmo Sfjmymam a Dfsfgmtm a @anfrm Nftfds` n`a` lmaluma pfalj`gmtm a nma lmaluma pfanfalmr ma pmj`al durmal pmnm >3% pkpujms`
hmsoma` Sfrsfatmsf pfaempm`ma tmrlft pfjmymama dfsfgmtma `anfrm Sfrsfatmsf dfl`mtma nftfds` n`a` lmaluma `anfrm
Sfrsfatmsf pfaempm`ma tmrlft prklrmo
Srklrmo Sfjmymam a Dfsfgmtm
=9>
Dkan` ^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
a Jmas`m
Srklrmo Sfjmymam a Dfsfgmtm a Dfrhm
Dfl` Dfl`mt mtma ma
@an`d n`dmt mtkr kr
pfjmymama dfsfgmtma jmas`m Sfjmymama Huojmg Dfsfgmtma jmas`m ymal pmnm Vs`m ofanmpmtdm Jmahut a pfjmymama (us`m ≦ 23 dfsfgmtma tmgua ) ) (Utmanmr Sfjmymam a O`a`omj df 6 pfjmymama dfsfgmtma - 60 tmgua) Sfrsfatmsf pfaempm`ma tmrlft prklrmo dfsfgmtma omtrm Sfdfrhm Huojmg bkromj pfdfrhm
Umt mtu uma
s` Mwmj ^mgua 939=
^mrlft 9399
9395
939>
9396
9392
ymal ofanmpmt dkasfj`al
bkromj ymal ofanmpmt dkasfj`al
=96
^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Dfl` Dfl`mt mtma ma
Sfdfrhm `abkromj ymal ofanmpmt dkasfj`al Srkokt`b
@an`d n`dmt mtkr kr
Umt mtu uma
Dkan` s` Mwmj ^mgua 939=
^mrlft 9399
9395
939>
9396
9392
Huojmg pfdfrhm `abkromj ymal ofanmpmt dkasfj`al Huojmg
prkokt`b prfvfat`b nma ymal n`jmdudma pmnm dfjkopkd dfsfgmtma dfrhm Sfrsfatmsf Srklrmo pfaempm`ma Dfsfgmtm tmrlft a Omtrm prklrmo dfsfgmtma omtrm Gms`j Huojmg pfofr`dsm hfommg gmh` ma ymal dfsfgmtma n`jmdudma hmommg pfofr`dsmma dfsfgmtma gmh` 5 iujma sfifjuo kpfrms`ka mj tfrnmtm. nma prfvfat`b ymal n`jmdudma pmnm dfjkopkd dfsfgmtma dfrhm
=92
Dkan` ^uhuma huma
Ums msmr mrma ma
S rkl rklrr mo mo
Dfl` Dfl`mt mtma ma
Srklrmo Dfbmrom s`ma
@an`d n`dmt mtkr kr
Sfrsfatmsf pfaempm`ma tmrlft prklrmo dfbmroms`ma Fnudms` nma Sfoifrnm ymma omsymrmd mt tfatmal kimt pmnm Lfrmdma omsyrmdmt efrnms ofalluam dma kimt
Empm`ma pfjmdsmamma dfl`mtma lfrmdma omsymrmdmt efrnms ofalluamdm a kimt
Umt mtu uma
s` Mwmj ^mgua 939=
^mrlft 9399
9395
939>
9396
9392
=9<
=97
IMI R@ SFAV^VS
Yfae Yf aema mam m Utrmt Utrmtfl fl`s `s pmn pmnm m Sus Susdf dfsom soms s yma ymal l of ofaf afrmp rmpdma dma Im Imnma nma Jmym Jm ymam ama a Vo Vouo uo Nm Nmfr frmg mg sm smal almt mt if ifro roma mabm bmmt mt sf sfim imlm lm`` me meum uma a nm nmjm jmo o pfjm pf jmym yma ama
df dfsf sfgm gmtm tma a
ofa` of a`al aldm dmtd tdma ma
d`af d`afrh rhm m
n`
Su Susd sdfs fsom oms s
nf nfal alma ma
nm nma a
mn mnma maym ym
sf sfim imlm lm``
up upmy mym m
bjfd bjfds` s`i` i`j` j`tm tms s
ua uatu tud d
pf pfal alfj fjkj kjmm mma a
mallmrma. ^frjmdsmamaym ^frjmdsma maym Yfaemam Utrmtfl`s pfrju ofanmpmt nudualma nma pmrt pm rt`s `s`p `pms ms``
pf pfal alfj fjkj kjm m
Su Susd sdfs fsom oms s
sf sfrt rtm m
pf pfrg rgmt mt`m `ma a
nm nma a
nu nudu dual alma ma
Sfofr`atmg Nmfrmg im`d ifrs`bmt omtfr``j, mno`a`strmt`b omupua pkj`t`s. Yfaema Yfa emam m Utrm Utrmtfl` tfl`s s pusd pusdfsom fsoms s `a` mdma n`rf n`rfv`s v`s`` mpmi mpmi`jm `jm tfrh tfrhmn` mn`
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