ANALISIS SISTEM PENGAWASAN PEMBERIAN KREDIT PADA PT. BANK TABUNGAN NEGARA ( PERSERO ) CABANG MEDAN

7/31/2019 ANALISIS SISTEM PENGAWASAN PEMBERIAN KREDIT PADA PT. BANK TABUNGAN NEGARA ( PERSERO ) CABANG MEDAN

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rifj mi{i} e`~pjboif nifo&

Wbw}è {`fjiziwif o~`mb} rifj `dò}bd mi{i} mbhbli} mi~b o`}`{i}if

}papif mif {`fjjpfiif o~`mb} rifj mbn`~boif ch`l nifo }`~limi{ fiwinil

mif o`hifgi~if {èniri~if oènihb o~`mb} ch`l fiwinil {imi wii} ai}pl

}è{c& ]bfjoi} o``dò}bdif {`fjiziwif o~`mb} bfb mi{i} ob}i hbli} mi~b

}bfjoi} F[H ,Fcf [`~dc~ebfj Hcif"& ]bfjoi} F[H bfb n`~{`fji~pl mihie

}bfjoi} o`w`li}if nifo rifj eè{`fji~plb òwbw}`fwb nifo&

N`~miwi~oif o`fri}iif rifj imi( eioi w`}bi{ nifo n`~pwili pf}po

h`nbl e`fbfjoi}oif {`fjiziwif }`~limi{ o~`mb} mif {`hirifif o`{imi

fiwinil iji~ }`~gi{ib }papif rifj mbli~i{oif e`hbli} n`}i{i {`f}bfjfri

o``dò}bdif wbw}è {`fjiziwif o~`mb} rifj fif}bfri ioif mbpop~ m`fjif

}bfjoi} F[H ,Fcf [`~dc~ebfj Hcif"( eioi {`fphbw }`~}i~bo pf}po

e`fjimioif {`f`hb}bif m`fjif apmph Ifihbwbw Wbw}è [`fjiziwif

[èn`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i , [`~w`~c " Ginifj

E`mif&


15/89


N& [`~pepwif Eiwihil

M`fjif eè{`~li}boif hi}i~ n`hioifj mb i}iw( eioi {`fphbw

e`~pepwoif eiwihil rib}p1

i& I{ioil wbw}è {`fjiziwif {èn`~bif o~`mb} {imi Nifo ]inpfjif

F`ji~i , [`~w`~c" Ginifj E`mif }`hil `dò}bd 3

n& I{ioil {èn`~bif o~`mb} }`hil mbaihifoif w`wpib m`fjif o`nbaiowifiif

{`~o~`mb}if nifo mif {~cw`mp~ {èn`~bif o~`mb} 3

G& Ni}iwif Eiwihil

Iji~ }bmio }`~aimb o`wbe{ifjwbp~if mb mihie {`f`hb}bif rifj

mbhiopoif( eioi {`~eiwihilif mihie {`f`hb}bif ioif mbni}iwb {imi wbw}è

{`fjiziwif }`~limi{ {èn`~bif o~`mb} {imi []& Nifo ]inpfjif F`ji~i(

,[`~w`~c" Ginifj E`mif&

M& ]papif [`f`hb}bifImi{pf }papif {`f`hb}bif imihil1

9" Pf}po e`fj`}ilpb o``dò}bdif wbw}è {`fjiziwif {èn`~bif o~`mb}

rifj mbhiopoif ch`l Nifo ]inpfjif F`ji~i ,[`~w`~c" Ginifj E`mif&

>" Pf}po e`fj`}ilpb i{ioil {èn`~bif o~`mb} }`hil mbaihifoif w`wpib

m`fjif o`nbaiowifiif {`~o~`mb}if nifo mif {~cw`mp~ {èn`~bif o~`mb}&

@& Eifdii} [`f`hb}bifEifdii} {`f`hb}bif bfb imihil1


16/89


17/89


NIN BB

]BFAIPIF [PW]IOI

I& O~`mb}9& [`fj`~}bif O~`mb}

Oi}i o~`mb} n`~iwih mi~b niliwi hi}bf rib}p g~`m`~`( rifj

i~}bfri {`~giri i}ip }c n`hb`t` i}ip }c }~pw}& Ch`l oi~`fi b}p( miwi~

{èbob~if {`~w`}papif {èn`~bif o~`mb} ch`l nifo {imi w`w`c~ifj i}ip

nimif pwili imihil o`{`~giriif& Nbhi mboib}oif m`fjif o`jbi}if pwili(

o~`mb} n`~i~}b wpi}p o`jbi}if eèn`~boif fbhib òcfceb , `gcfceb tihp`"

o`{imi w`w`c~ifj i}ip nimif pwili rifj n`~hifmiwoif o`{`~giriif wii}

b}p( nilzi fbhib òcfceb rifj wiei ioif mboènihboif {imi o~`mb}p~

,nifo" w`}`hil aifjoi zio}p w`wpib m`fjif o`w`{ioi}if riej wpmil

mbw`}papb if}i~i o~`mb}p~ mif m`nb}p~&

E`fp~p} {iwih 9 np}b~ ,99" PP Fc& 9; ]ilpf 922;;91


18/89


19/89


}`~}`f}p {imi eiwi rifj ioif mi}ifj& O`{`~giriif bfb mbn`~boif ch`l

o~`mb}p~( mbeifi w`n`hpefri wpmil e`hiopoif {`f`hb}bif

{`fr`hbmboif }`f}ifj fiwinil nibo w`gi~i bf}`~f eip{pf mi~b òw}`~f&

[`f`hb}bif bfb e`hb{p}b ocfmbwb eiwi hihp mif wòi~ifj fiwinil&

7& Imifri {`~w`}papif( n`~p{i o`w`{ioi}if {imi o~`mbp~ m`fjif {blio

hibffri rifj n`~aifab ioif eèniri~ mi~b {`f`~bei o~`mb} o`{imi

{èn`~b o~`mb}& O`w`{ioi}if bfb mb}pifjoif mihie wpi}p {`~aifabif

mbeifi eiwbfjeiwbfj {blio e`fifmi}ifjifb lio mif o`ziabniffri

eiwbfj eiwbfj&

=& Imifri {`fr`~ilif ni~ifj( aiwi( i}ip pifj mi~b {èn`~b o~`mb}

o`{imi {`f`~bei o~`mb}&

0& Imifri pfwp~ zio}p& W`}bi{ o~`mb} rifj mbn`~boif eèbhbob aifjoi

zio}p }`~}`f}p( aifjoi zio}p bfb e`fgiop{ eiwi {`fjènihbif

o~`mb} rifj }`hil mbw`{ioi}b&

4& Imifri pfwp~ ~`wboc ,m`j~`` cd ~bwo"( nibo mb {blio {èn`~b o~`mb}

eip{pf mb{blio {`f`~bei o~`mb}& Wpi}p }`fjjifj zio}p

{`fjènihbif ioif e`fr`ninoif wpi}p ~`wboc }bmio

}`~}ijblfri#eig`} {èn`~b o~`mb}& Wèiobf {ifaifj wpi}p o~`mb}(

wèiobf n`wi~ ~`wboc jijih niri~ i}ip o`}bmioeie{pif eèniri~&

^`wboc mb {blio fiwinil imihil o`gp~ifjif {blio o~`mb}p~( if}i~i

hibf o`bfjbfif mi~b {blio {èn`~b o~`mb} pf}po e`fgi{hco

{`~pwiliif rifj mbn`~b o~`mb} i}ip }ifil rifj mbaiebfoif

:& Imifri pfwp~ npfji w`nijib oce{`fwiwb o`{imi {èn`~b o~`mb}&


20/89


21/89


mbp}ieioif mihie {ènbiriif m`fjif o~`mb} nifo b}p& Wò}c~

òcfceb rifj mbeiowpm if}i~i hibf imihil wò}c~ {`~}ifbif(

{`~}ienifjif( {`~bfmpw}~bif( ocfw}~powb( aiwi wcwbih( aiwimpfbi pwili( mif hibfhibf&

`& A`fbw O~`mb} N`~miwi~oif Wbdi}9" O~`mb} i}iw miwi~ }~ifwiowb wi}p oihb ,``feihbj"( imihil

o~`mb} aifjoi {`fmò pf}po {ènbiriif wpi}p }~ifwiowb

}`~}`f}p&

>" O~`mb} i}iw miwi~ }~ifwiowb n`~phifj,~`tchtbfj"( imihilo~`mb} aifjoi {`fmò rifj mbn`~boif o`{imi fiwinil

pf}po pwili rifj e`~p{ioif wpi}p w`~b }~ifwiowb rifj

wà`fbw&

7" O~`mb} i}iw miwi~ {hidcf }`~oib}( imihil o~`mb} rifj

mbn`~boif m`fjif apehil mif aifjoi zio}p }`~}`f}pm`fjif }papif pf}po mb{`~jpfioif w`nijib }ienilif

ecmih o`~ai nijb wpi}p pfb} {~cmpowb i}iw miwi~ {`fbhibifoi{iwb}iw {~cmpowb# o`np}plif ecmih o`~ai mbeifi

eiowbepe o~`mb} rifj mbn`~boif }bmio }`~boi} {imioi{iwb}iw {~cmpowb fc~eih i}ip ~ìhbwiwb {`fapihif&

=" O~`mb} i}iw miwi~ {hidcf }`~npoi( imihil o~`mb} pf}poo`np}plif ecmih o`~ai mbeifi eiowbepe o~`mb} rifj

mbn`~boif }bmio }`~boi} {imi oi{iwb}iw {~cmpowb fc~eihi}ip ~ìhbwiwb {`fapihif

0" O~`mb} i}iw miwi~ {`fp~pfif {hidcf w`gi~i n`~ifjwp~,idhc{`fm {hidcfm"( imihil o~`mb} rifj mbn`~boif o`{imi

fiwinil rifj {`hpfiwiffri li~pw mbhiowifioif w`gi~in`~ifjwp~ w`wpib m`fjif aimzih {`hpfiwif rifj }`hil

mbw`}papb#mb}`f}poif ch`l nifo&d& A`fbw O~`mb} N`~miwi~oif Wpen`~ Mifi

9" O~`mb} m`fjif mifi nifo w`fmb~b>" O~`mb} m`fjif mifi n`~wieiwiei m`fjif nifo hibf

,wbfmboiwb( ocfwc~wbpe"

7" O~`mb} m`fjif mifi mi~b hpi~ f`j`~b&j& A`fbw O~`mb} N`~miwi~oif N`f}po

9" Giwl Hcif( imihil {bfaieif pifj }pfib rifj mbn`~boifch`l nifo o`{imi fiwinilfri w`lbfjji m`fjif {èn`~bifdiwbhb}iw bfb( nifo }`hil e`fr`mbioif mifi ,d~`w ecf`r"

rifj mi{i} mbjpfioif ch`l fiwinil n`~miwi~oif

o`}`f}pif rifj imi mihie {`~aifabif o~`mb}&

>" Fcf giwl Hcif( imihil diwbhb}iw rifj mbn`~boif nifoo`{imi fiwinilfri( }`}i{b i}iw diwbhb}iw bfb nifo n`hpe

eip e`fj`hpi~oif pifj }pfib

l& O~`mb} N`~miwi~oif Z`z`fifj [èp}pwif

N`~miwi~oif z`z`fifj {p}pwiffri( o~`mb} mbn`mioif i}iw

z`z`fifj oif}c~ {pwi} mif z`z`fifj oif}c~ ginifj ,o`{ihi

m`tbwb mif mb~òwb zbhiril"


22/89


b& O~`mb} N`~miwi~oif Wbdi} Diwbhb}iw

9" Gceeb}}`m Digbhb}r( imihil wpi}p diwbhb}iw rifj w`gi~i

lpope( nifo mb{`~aifaboif o`gpihb }`~aimb wpi}p {`~bw}bzirifj eèn`~boif lio o`{imi nifo pf}po e`fi~bo

oènihb#e`fifjjploif diwbhb}iw }`~w`np} w`wpib wp~i} i}ip

mcope`f hibffri&

>" Pfgceeb}}`m Digbhb}r( imihil wpi}p diwbhb}iw rifj w`gi~ilpope( nifo }bmio eè{pfrib o`ziabnif pf}po

eè`fplbfri w`wpib m`fjif rifj }`hil mb{`~aifaboif&

a& O~`mb} N`~miwi~oif Ioim

9" [bfaieif m`fjif ioim o~`mb}( imihil {bfaieif rifjmbw`~}ib m`fjif wpi}p {`~aifabif o~`mb} }`~}phbw if}i~i nifo

m`fjif fiwinil( rifj if}i~i hibf e`fji}p~ n`wi~fri

{hidcf o~`mb}( wpop npfji( aifjoi zio}p( aiebfif( gi~i{`hpfiwif( mif w`nijibfri&

>" [bfaieif }if{i ioim o~`mb}( imihil {bfaieif rifj }bmiombw`~}ib wpi}p {`~aifabif }`~}phbw&

7& ]papif mif Dpfjwb O~`mb}

^btib ,>;;414" e`fji}ioif nilzi {imi miwi~fri }`~mi{i} mpi

dpfjwb rifj wihbfj n`~oib}if m`fjif o~`mb}( rib}p {~cdb}inbhb}r mif

wid`}r& [~cdb}inbhb}r rib}p( }papif pf}po eè{`~ch`l liwbh mi~b o~`mb}

n`~p{i o`pf}pfjif mi~b npfji rifj li~pw mbniri~ fiwinil& W`mifjoif

wid`}r e`~p{ioif oìeifif mi~b {~`w}iwb i}ip diwbhb}iw rifj mbn`~boif

li~pw n`fi~n`fi~ }`~aiebf w`lbfjji }papif {~cdb}inbhb}r mi{i} }`~gi{ib

}if{i lieni}if rifj n`~i~}b&

]acòie ,922217" e`fji}ioif nilzi mihie {`~o~`mb}if

e`hbni}oif n`n`~i{i {blio rib}p1 o~`mb}p~ ,nifo"( m`nb}p~ ,{`f`~bei

o~`mb}"( c}c~b}i ecf`}`~ ,{è`~bf}il" mif eiwri~ioi} {imi pepefri&

Ch`l oi~`fi b}p( }papif {`~o~`mb}if nijb w`}bi{ {blio rifj }`~oib} if}i~i

hibf1

i& Nijb O~`mb}p~ ,nifo"1


23/89


9" [`~o~`mb}if e`~p{ioif wpen`~ p}iei {`fmi{i}iffri&

>" [`~o~`mb}if e`~p{ioif bfw}~pe`f {`faiji hbopbmb}iw( wchtinbhb}iw

mif {~cdb}inbhb}iw nifo&

7" O~`mb} mi{i} eèifdii}oif mif eè{~cmpo}bdoif mifimifi

rifj imi&

n& Nijb M`nb}p~1

9" O~`mb} n`~dpfjwb w`nijib wi~ifi pf}po eènpi} o`jbi}if pwili

wèiobf hifgi~ mif {`~dc~eifg` ,obf`~ai" pwili wèiobf nibo

mi~b{imi w`n`hpefri&

>" O~`mb} e`fbfjoi}oif ebfi} n`~pwili mif o`pf}pfjif w`nijib

aiebfif o`hifap}if o`lbmp{if {`~pwiliif&

7" O~`mb} eè{`~hpiw o`wè{i}if n`~pwili mif nò`~ai mihie

{`~pwiliif&

g& Nijb C}c~b}i, {è`~bf}il "1

9" O~`mb} w`nijib bfw}~pe`f ecf`}`~

>" O~`mb} mi{i} e`fgb{}ioif o`wè{i}if n`~pwili mif o`wè{i}if

o`~ai rifj eè{`~hpiw wpen`~ {`fmi{i}if f`ji~i&

7" O~`mb} mi{i} w`nijib bfw}~pe`f pf}po bop} w`~}i e`fbfjoi}oif

ep}p eifiaè`f mpfbi pwili( w`lbfjji }`~aimb `dbwb`fwb mif

e`fjp~ifjb {ènc~cwif mb wèpi hbfb&

m& Nijb Eiwri~ioi}

9" O~`mb} mi{i} e`fjp~ifjb {`fjifjjp~if( oi~`fi eènpoi

{`hpifj n`~pwili( nò`~ai mif {è`~i}if {`fmi{i}if&


24/89


>" O~`mb} mi{i} e`fbfjoi}oif dpfjwb {iwi~( oi~`fi imi {`fbfjoi}if

miri n`hb&

W`mifjoif Inmphhil ,>;;01


25/89


nbmifj {`~o~`mb}if eioi o`nbaioif }`~w`np} li~pw e`fjifmpfj

o`{p}pwif rifj n`~wbdi} }òfbw c{`~iwbcfih& [imi o`nbaioif o~`mb}

{`~nifoif( mbnpi}hil {~cw`mp~ mb mihie {èn`~bif o~`mb} ch`l nifo&

[~cw`mp~ {èn`~bif o~`mb} }`~w`np} mbnijb i}iw n`n`~i{i }ili{ w`nijib

n`~bop}1

i& ]ili{ [`~eclcfif O~`mb}

]ili{ bfb e`~p{ioif {`~fri}iif izih rifj li~pw mb{`fplb

ch`l fiwinil i{inbhi l`fmio e`fjiapoif o~`mb}( rib}p m`fjif

e`fjiapoif }`~h`nbl milphp wp~i} {`~eclcfif mif e`fjbwb mid}i~

bwbif rifj mbw`mbioif ch`l nifo& [imi }ili{ bfb fiwinil e`h`fjoi{b

{`~wri~i}if n`~p{i mi}i i}ip bfdc~eiwb n`~bop}1

9" Bm`f}b}iw mb~b

>" [~bnimb i}ip {`~w`c~ifjif1 o`}`~ifjif e`fj`fib mb~b {èclcf

o~`mb}&

7" Nimif pwili i}ip {~cd`wb }`~mb~b mi~b1 n`~n`f}po nimif pwili(

wpwpfif {`fjp~pw mif ihiei}fri( nbmifj pwili mif o`jbi}iffri(

mif wpwpfif {`~ecmihif&

=" Bfdc~eiwb e`fj`fib {cwbwb o`pifjif {`~pwiliif

0" [~iw{ò mi~b fiwinil rifj n`~wifjop}if pf}po zio}p rifj ioif

mi}ifj&

4" Bfdc~eiwb wcwbih ocfceb&

:" Apehil mif {`~bfgbif {`fjjpfiif o~`mb}&


26/89


2" Bfdc~eiwb e`fj`fib aiebfif rifj ioif mbn`~boif fiwinil&

9;" Eènpoi ~ò`fbfj mb nifo n`~wifjop}if&

n& ]ili{ Ifihbwi O~`mb}

[`~eclcfif o~`mb} rifj w`li} li~pw mbmiwi~oif {imi wpi}p

ifihbwi rifj g`~ei} i}iw {`~eclcfif o~`mb} rifj mbeiowpm&

Nbiwifri o~b}`~b {`fbhibif rifj pepe mif li~pw mbhiopoif ch`l nifo

pf}po mbn`~boif( mbhiopoif m`fjif 0G& [`fbhibif m`fjif 0G bfb

n`~bwb {`fbhibif e`fj`fib1

9" Gli~ig}`~( e`~p{ioif oìmiif zi}io#wbdi}( nibo mihie

o`lbmp{if {~bnimb eip{pf mihie hbfjopfjif pwili& Bfb mi{i}

mbhbli} m`fjif e`f`hb}b ~bziri} lbmp{ fiwinil( ~`{p}iwb gihcf

fiwinil }`~w`np} mbhbfjopfjif pwili( mif eèbf}i nifo }c nifo

bfdc~ei}bcf& Lih bfb e`~p{ioif pop~if oèipif pf}po

eèniri~&

>" Gi{b}ih( imihil apehil ecmih w`fmb~b rifj mbebhbob ch`l gihcf

fiwinil& Bfb mi{i} e`hbli} i{ioil {`fjjpfiif ecmih rifj

`dò}bd m`fjif e`hiopoif {`fjpop~if w`{`~}b mi~b w`jb hbopbmb}iw(

~`f}inbhb}iw( mif wchtinhb}iw&

7" Gi{igb}r( imihil oèie{pif rifj mbebhbob ch`l fiwinil mihie

e`faihifoif pwilifri jpfi eè{`~ch`l hini rifj mbli~i{oif&

Bfb mbjpfioif e`fj`}ilpb#e`fjpop~ wie{ib wàipl eifi gihcf


27/89


fiwinil eie{p pf}po e`fjènihboif i}ip e`hpfiwb lp}ifj

lp}ifjfri w`gi~i }`{i} zio}p mi~b pwili rifj mb{`~ch`l&

=" Gchhi}`~ih( imihil ni~ifjni~ifj mbw`~iloif fiwinil w`nijib

ijpfif }`~limi{ o~`mb} rifj mb}`~beifri( bfb mbjpfioif pf}po

e`fbhib wàipl eifi ~`wboc o`ziabnif dbfifwbih fiwinil o`{imi

nifo&

0" Gcfmb}bcf( imihil wb}piwb {chb}bo( òcfceb( wcwbih( npmiri rifj

eè{`fji~pb o`hifgi~if {`~pwiliif gihcf fiwinil&

W`hibf m`fjif e`fjjpfioif {~bfwb{ 0G bfb( {blio {`~nifoif

apji ioif eè{`~}benifjoif n`n`~i{i iw{ò rifj eè{`fji~plb

mihie {èn`~bif o~`mb}( mbif}i~ifri1

9" Iw{ò lpope( e`fp~p} Wp}i~fc e`fri}ioif nilzi rifj

mbfbhib mihie iw{ò lpope imihil eiwihil h`jihb}iw nimif pwili

w`~}i bqbfbqbf rifj mbebhbob {`~pwiliif rifj e`fjiapoif

o~`mb}& [`fbhibf bfb ioif e`f`hb}b io}` {`fmb~bif {`~pwiliif(

Wp~i} Bqbf Pwili( ]ifmi mid}i~ {`~pwiliif( f{z{ mif oìnwilif

wp~i} rifj mbaiebfoif& Iw{ò lpope wifji} {`f}bfj oi~`fi

zihip{pf wèpi iw{ò rifj imi gpop{ hirio( }`}i{b i{inbhi

w`gi~i lpope mcope`f rifj mbn`~boif }bmio wil( eioi wèpi

{`~aifabif mbifjjji{ ni}ih&

>" Iw{ò {èiwi~if( rifj mbfbhib imihil {`~ebf}iif }`~limi{

{~cmpo rifj mbliwbhoif wòi~ifj bfb mif mb eiwi rifj ioif

mi}ifj {~cw{òfri nifjibeifi( ebwihfri {èiwi~if {~cmpofri


28/89


ebfbeih 7 }ilpf rifj hihp ~`fgifi {`fapihif mi~b {~cmpowb pf}po

7 }ilpf rifj ioif mi}ifj( {`}i oòpi}if {`f}bfj( mif {~cw{ò

{~cmpo w`gi~i o`w`hp~plif&

7" Iw{ò o`pifjif( rifj mbebhbob imihil wpen`~wpen`~ mifi rifjmbebhbob pf}po eènbirib pwilifri mif nifjibeifi {`fjjpfiif

mi}i }`~w`np}& [`fbhibif bfb mbhbli} mi~b giwl dhcz( {irnigo( mif

n~ìo `t`f {cbf}&

=" Iw{ò }òfbw( rifj mbfbhib imihil eiwihil rifj n`~oib}if

m`fjif {~cmpowb( w`{`~}b hcoiwb mif e`wbf rifj mbjpfioif&

0" Iw{ò eifiaè`f( rifj mbfbhib imihil w}~po}p~ c~jifbwiwb

{`~pwiliif( wpen`~ miri eifpwbi rifj mbebhbob w`~}i hi}i~

n`hioifj {`fjihieif wpen`~ miri eifpwbifri mif {`fjihieif

{`~pwiliif mihie e`fj`hchil n`~nijib {~crò rifj imi&

4" Iw{ò wcwbih òcfceb( e`fjifihbwbw mie{io }`~limi{

{`~òcfcebif mif eiwri~ioi} pepe( w`{`~}b e`fjp~ifjb

{`fjifjjp~if( e`fbfjoi}oif òw{c~ mif hibfhibf&

:" Iw{ò iemih( e`frifjop} ifihbwbw i{ioil o~`mb} rifj mbn`~boif

}`~w`np} fif}bfri ioif mbjpfioif pf}po {~crò rifj mi{i}

e`fjihieb {`fgèi~if hbfjopfjif i}ip }bmio&

W`}`hil {blio nifo e`hiopoif ifihbwbw w`{`~}b rifj }`~w`np}

mbi}iw( eioi w`hifap}fri e`~òi ioif e`hiopoif zizifgi~i&

Zizifgi~i bfb ioif mbhiopoif mihie mpi }ili{& [imi }ili{ {`~}iei(

n`~}papif pf}po e`fmi{i}oif o`riobfif i{ioil n`~oiwn`~oiw


29/89


}`~w`np} wpmil w`wpib m`fjif rifj mbbfjbfoif ch`l {blio nifo(

wòihbjpw pf}po e`fj`}ilpb o`bfjbfif mif o`np}plif fiwinil rifj

w`n`fi~fri& W`n`hpe mbhiopoiffri zizifgi~i }ili{ o`mpi( eioi

ioif mbhiopoif }`~h`nbl milphp {è`~bowiif hi{ifjif&

[imi }ili{ bfb {blio nifo ioif e`hiopoif {è`~bowiif

hifjwpfj o`hi{ifjif m`fjif e`fbfaip n`~nijib iw{ò rifj ioif

mbaimboif pwili i}ip aiebfif& Mi}i rifj mb{`~ch`l mi~b {è`~bowiif

hi{ifjif fif}bfri ioif mbgcgcoif m`fjif liwbh mi~b zizifgi~i

}ili{ {`~}iei& Nbiwifri( mihie e`hiopoif {è`~bowiif hi{ifjif(

gihcf fiwinil }bmio ioif mbn`~b }ilp w`n`hpefri iji~ mi{i} mbhbli}

hifjwpfj ocfmbwb rifj w`n`fi~fri& W`}`hil b}p( ioif mbhiopoif

zizifgi~i }ili{ o`mpi& [imi }ili{ bfb mbhbli} i{ioil imi o`w`wpibif

mif e`fjifmpfj o`n`fi~if if}i~i zizifgi~i }ili{ {`~}iei

m`fjif {è`~bowiif hi{ifjif&

g& ]ili{ O`{p}pwif o~`mb}W`}`hil e`hihpb }ili{if }`~w`np} mif e`hihpb {~cw`w

~òce`fmiwb mi~b {àini} nifo rifj }`~oib}( eioi ioif imi

o`{p}pwif o~`mb} rifj mbw`}papb i}ip mb}chio& Aboi {`~eclcfif

mb}chio( eioi ioif mbob~beoif wp~i} {`fchioif rifj mbw`~}ib

ihiwiffri& Mif aboi o~`mb} mbw`}papb( eioi ioif mbnpi} {`~w`}papif

o~`mb} rifj n`~bwb a`fbw o~`mb}( apehil o~`mb} rifj mb}`~bei( aifjoi


30/89


31/89


Ebwihoif( w`c~ifj fiwinil e`fmi{i}oif o~`mb} ecmih o`~ai

w`n`wi~ ^{& 9&;;;&;;;&;;;( m`fjif aifjoi zio}p 74 nphif mif npfji

90%& [~ctbwb o~`mb} 9% mi~b apehil o~`mb}& [`fih}r }pfjjioif {coco#

npfji w`n`wi~ 0;% mi~b o`ziabnif npfji w`nphif& [blio nifo ioif

e`fjiopb o~`mb} bfb {imi wii} mbhiopoiffri {`fi~boif ch`l m`nb}p~&

Ebwihoif {blio m`nb}p~ e`hiopoif {`fi~boif w`n`wi~

^{& :0;&;;;&;;;( eioi {blio nifo ioif e`hiopoif {`fgi}i}if

w`nijib n`~bop}1

9& [`fgi}i}if {~ctbwb o~`mb}

[~ctbwb o~`mb} bfb ioif mbgi}i} w`n`wi~

5 9% \ ^{& 9 &;;;&;;;&;;;

5 {& 9;&;;;&;;;(

[~ctbwb o~`mb} bfb ioif mbgi}i} m`fjif ap~fih 1

Oiw#~`o`fbfj fiwinil&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&^{& 9;&;;;&;;;(

[`fmi{i}if {~ctbwb o~`mb} mb}`~bei mbepoi&&&&^{& 9;&;;;&;;;(

>& [`fgi}i}if o~`mb} rifj mbn`~boif

O~`mb} rifj mbn`~boif bfb ioif mbgi}i} {imi wii} m`nb}p~

e`hiopoif {`fi~boif( rib}p w n`wi~ ^{& :0;&;;;&;;;& {blio

nifo ioif e`fgi}i} m`fjif ap~fih1

O~`mb} rifj mbn`~boif &&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&^{& :0;&;;;&;;;(

O~`mb}#~`o`fbfj fiwinil&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&^{& :0;&;;;&;;;(


32/89


Mif n`~wieiif m`fjif b}p( ioif mbhiopoif {`fgi}i}if pf}po

e`fjp~ifjb o`ziabnif diwbhb}iw o~`mb} rifj n`hpe mbjpfioif(

m`fjif e`fm`nb}oiffri w`n`wi~ ^{& >0;&;;;&;;;( {imi o`ziabnif

oceb}e`f diwbhb}iw o~`mb} rifj n`hpe mb}i~bo fiwinil mif

e`fjo~`mb}oiffri {imi ocf}~i diwbhb}iw o~`mb} rifj n`hpe mb}i~bo

fiwinil&

E`fp~p} Boi}if Iopf}if Bfmcf`wbi ,>;;=1>7&4"(

{`fmi{i}if imihil i~pw eiwpo n~p}c mi~b eifdii} òcfceb rifj

}benph mi~b io}btb}iw fc~eih {`~pwiliif w`hiei wpi}p {`~bcm` nbhi

i~pw eiwpo b}p e`fjiobni}oif o`fiboif òpb}iw( rifj }bmio n`~iwih

mi~b ocfw}~bnpwb {`fifieif ecmih&

E`fp~p} W}bg` ,>;;=1>2:" n`~{`fmi{i} nilzi {`fjiopif

{`fmi{i}if imihil1

Wii} mbeifi iopf}if e`fjjpfioif gi}i}if {`fapihif e`hihpb

ap~fih `f}~b mihie gi}i}if iopf}ifwb dc~eih& [`fmi{i}ifw`hihp mbiopb {imi wii} mpi o~b}`~bi {`f}bfj n`~bop} mi{i}

mb{`fplb1

i&[ò`~aiif wpmil mbw`h`wiboif ,{`~pwiliif wpmil e`hiopoif

w`wpi}p"

n&Oiw i}ip oìnwilif aifab pf}po {èniri~if mbeiwi mi}ifj

wpmil mb}`~bei ,{`~pwiliif wpmil e`f`~bei w`wpi}p

w`nijib {`fjènihbif"&

Eiowpmfri {`fmi{i}if }`~w`np} mi{i} mbiopb mihie oìmiif

w`}`hil {`~pwiliif }`~w`np} }`hil e`fr`h`wiboif {ò`~aiiffri

i}ip{pf {imi wii} {`~pwiliiif n`hpe e`hiopoif {ò`~aiiffri }`}i{b

wpmil e`f`~bei oiw m`fjif {`~aifabif nilzi {ò`~aiiffri ioif

mbw`h`wiboif mb eiwi rifj ioif mi}ifj&


33/89


[~bfwb{ {`fmi{i}if e`fri}ioif nilzi {`fmi{i}if li~pw

mbiopb mihie hi{c~if o`pifjif o`}boi1

i& [`fmi{i}if mbliwbhoif( rib}p nbhi {`~pwiliif }`hil

e`fr`h`wiboif w`nijbif n`wi~ {ò`~aiif rifj li~pw

mbhiopoiffri iwihoif n`~lio i}iw eifdii} rifj mbn`~boif ch`l

{`fmi{i}if rifj }`~oib}&

n& [`fmi{i}if mb~ìhbwiwb i}ip mi{i} mb~ìhbwiwb( {`fmi{i}if

mb~ìhbwiwb o`}boi oiw i}ip ohibe ,{bp}ifj" i}ip oiw mb}`~bei pf}po

ni~ifj i}ip aiwi rifj mb{`~}poi~oif& [`fmi{i}if mi{i} mb~ìhbwiwb

i{inbhi io}bti rifj mb}`~bei mi{i} w`j`~i mbocft`~wboif o`

mihie apehil rifj mbo`}ilpb&

W`gi~i pepe( e`}cm` {`fjiopif {`fmi{i}if imi mpi rib}p1

i& Miwi~ io~pih

E`fp~p} miwi~ io~pih bfb( {`fmi{i}if mbiopb {imi wii} ni~ifj

mbapih i}ip aiwi mbhiowifioif }if{i eèifmifj wii} {`f`~beiif

oiw&

n& Miwi~ Oiw

[`fjiopif mbhiopoif m`fjif miwi~ }pfib imihil aboi {`fmi{i}if

mif n`nif lifri mb{`~lb}pfjoif n`~miwi~oif {`f`~beiif mif

{`fj`hpi~if oiw& Bfb n`~i~}b( {`fmi{i}if mi~b {`fapihif ni~ifj

i}ip aiwi lifri mbiopb mihie {`~bcm` o`}boi oiw mb}`~bei mi~b

{`hifjjif&


34/89


Npfji o~`mb} e`~p{ioif wpen`~ {`fmi{i}if nifo& Mb~`o}c~i}

[`f`hb}bif mif [`fji}p~if [`~nifoif ,>;;91BBB&


35/89


N`~miwi~oif Wp~i} O`{p}pwif Nifo Bfmcf`wbi Fc&

79#9=


36/89


>& Wbw}è [`fjiziwif O~`mb}

i& [`fj`~}bif mif ]papif Wbw}è [`fjiziwif O~`mb}

E`fp~p} Egh`cm ,>;;=12" e`fr`np}oif( wbw}è imihil

wò`hce{co `hè`f`hè`f rifj }`~bf}`j~iwb m`fjif eiowpm rifj

wiei pf}po e`fgi{ib wpi}p }papif&

Wbw}è e`~p{ioif ai~bfjif {~cw`w rifj wihbfj n`~lpnpfjif

mif mboènifjoif mihie e`hiowifioif o`jbi}if p}iei {`~pwiliif&

Ch`l oi~`fi b}p( pf}po eè{`~opi} wbw}è {`fjiziwif }`~limi{

{`fmi{i}if mif nbiri( eioi mb{`~hpoif wbw}è {`fjiziwif o~`mb}&

Wbw}è {`fjiziwif bfb n`~bwboif {~cw`mp~ rifj li~pw mbhihpb mihie

e`hiowifioif wpi}p o`jbi}if pf}po e`hbfmpfjb lio {`~pwiliif mi~b

{`fr`h`z`fjif rifj mi{i} e`~pjboif {`~pwiliif&

[`fjiziwif o~`mb} e`~p{ioif {~cw`w {`fbhibif mif

{èif}ipif o~`mb} wàio ifihbwbw o~`mb} mif e`~p{ioif wpi}p p{iri

pf}po e`faiji iji~ i{i rifj rifj mbhiowifioif mi{i} n`~aihif

w`wpib m`fjif ~`fgifi o~`mb}& ]acòie ,92221>>;" e`fri}ioif

nilzi {`fjiziwif o~`mb} imihil pwili pf}po e`fj`}ilpb mif

e`frpwpf w}~i}`jb {`~niboif w`gi~i mbfb bfmboiwbbfmboiwb

{`frbe{ifjif ,m`tbi}bcf" mi~b o`w`{ioi}if nifo mif m`nb}p~ mihie

{~cw`w o`jbi}if {`~o~`mb}if( rifj oèpmbif e`faimb {`fr`nin o~`mb}

n`~eiwihil mif e`fmi}ifjoif o`~pjbif nijb nifo mif m`nb}p~&

[`fjiziwif o~`mb} bfb h`nbl e`~p{ioif p{iri pf}po e`faiji

mif e`fjieifoif o~`mb} rifj n`~wbdi} {~`t`f}bd& [`fjiziwif o~`mb}


37/89


bfb apji e`~p{ioif wpi}p wbw}è mihie {`fj`hchilif o~`mb} rifj

n`~dpfjwb w`nijib {`fp}p{ o`hèilif mihie {~cw`w {`~o~`mb}if& Ch`l

oi~`fi b}p( {`fjiziwif o~`mb} li~pw eie{p eèn`~boif d``mnigo

iji~ }bfmio hifap} {`~niboif w`j`~i mi{i} mbhiowifioif&

E`fp~p} Inmphhil ,>;;0120" e`fri}ioif nilzi {`fjiziwif

o~`mb} imihil1

Wpi}p {~cw`w {`fbhibif mif {èif}ipif o~`mb} wàio ifihbwbw

npoifhil io}btb}iw pf}po e`fgi~b o`wihilif# {`frbe{ifjifm`nb}p~ olpwpwfri mihie e`fjjpfioif o~`mb}& E`hibfoif

p{iri e`faiji iji~ i{i rifj mbhiowifioif mi{i} n`~aihifw`wpib m`fjif ~`fgifi o~`mb}( w`hibf b}p nilzi {~cw`w

{`fjiziwif o~`mb} }`hil mbephib wàio mbfb ,wii} {`fbhibifaiebfif"&

E`fp~p} Inmphhil,>;;0120"1

N`~miwi~oif }papiffri( {`fjiziwif o~`mb} mi{i} mbnijb

e`faimb mpi rib}p1,9" {~`d`f}bd Gcf}~ch? e`~p{ioif{`fjiziwif o~`mb} rifj mbhiopoif w`n`hpe {`fgib~if o~`mb}

m`fjif n`~}papif pf}po e`fg`jil oèpfjobfif }`~aimb{`frbe{ifjif {`fjjpfiif o~`mb}& , >" ^`{~`wbd Gcf}~ch?

e`~p{ioif {`fjiziwif o~`mb} rifj mbhiopoif w`}`hil{`fgib~if mif {imi wii} {`fjjpfiif o~`mb} m`fjif }papif

pf}po e`fjiziwb w`}bi{ {`frbe{ifjif rifj }`~aimb&

n& [~cw`w [`fjiziwif O~`mb}

[`fjiziwif e`~p{ioif dpfjwb eifiaè`f rifj e`fgi{ib

p~p}if {ihbfj iolb~ mihie }papif eifiaè`f& [`fjiziwif eènif}p

{`fbhibif i{ioil {`~`fgifiif( {`fjc~jifbwiwbif( mif {`hiowifiif

wpi}p {~cj~ie }`hil mbhiowifioif m`fjif `dò}bd i}ip }bmio&


38/89


Mihie {`hiowifiif {`fjiziwif o~`mb} bfb( ioif e`hihpb

n`n`~i{i }ili{if rifj eèn`f}po wpi}p {~cw`w {`fjiziwif o~`mb}&

[~cw`w {`fjiziwif n`~bop} bfb mi{i} mbjieni~oif w`nijib n`~bop}1

Jieni~ >&9[~cw`w {`fjiziwif o~`mb}

Wpen`~1 Ecl& ]acòie ,92221>>4"

P~ibif mi~b eòifbwe` {~cw`w {`fjiziwif o~`mb} }`~w`np}

imihil1 Mi~b o~`mb} rifj mbn`~boif( mbhiopoif {è`~bowiif( i{ioil

}`~aimb {`frbe{ifjif mi~b {`~aifabif if}i~i {blio m`nb}p~ m`fjif

nifo& [imi }ili{ bfb( {`frbe{ifjif{`frbe{ifjif }`~w`np}

mbbm`f}bdboiwboif mif mbgi~b }ilp i{i rifj e`faimb {`fr`nin

}`~aimbfri {`frbe{ifjif }`~w`np}& [`fr`nin {`frbe{ifjif bfb nbwi

mi~b {blio nifo eip{pf mi~b {blio m`nb}p~& [`fr`nin mi~b {blio

nifo ebwihfri w}~po}p~ c~jifbwiwb rifj hèil mi~b {blio nifo(

op~ifj iop~i} mihie e`hiopoif {`f`hb}bif w`n`hpe eèn`~boif

o~`mb}( mif w`nijibfri& Mif mi~b {blio m`nb}p~ nbiwifri {`fr`ninfri

imihil e`fp~pffri ocfmbwb o`pifjif {`~pwiliif&

Bfm`f}bdbgi}bcf

cd

m`tbi}bcf

Ifihrwbw cdGcpw`w cd

m`tbi}bcf

Ig}bcf{~cj~ie cd

gc~~`g}bt`

Be{hè`f}i}bcf cd

gc~~`g}bt`

M`wb~`m

[`~dc~eifgÌg}pih

[`~dc~eifg`

Eìwp~è`f}cd ig}pih

w}ifmi~m

Gce{i~bwcf

cd ig}pih

ijibfw}


39/89


W`}`hil mbhiopoif ifihbwi }`~limi{ {`fr`nin {`frbe{ifjif

}`~w`np}( eioi mbwpwpfhil wpi}p {~cj~ie pf}po eè{`~nibobfri&

Mif mi~b {`hiowifiif {~cj~ie b}p fif}bfri ioif mbnifmbfjoif

m`fjif wpi}p w}ifmi~ rifj niop mihie e`f`f}poif ochò}bnbhb}iw

o~`mb}& Mihie }ili{ bfb( o~`mb} ioif mbo`hce{cooif mihie o`hce{co

hifgi~( mihie {`~li}bif olpwpw( op~ifj hifgi~( mb~ijpoif( mif eig`}&

Liwbh {`fj`hce{coif bfb fif}bfri ioif mi{i} e`fjjieni~oif

ig}pih {`~dc~eifg`& Mif w`}`hil e`hbli} ig}pih {`~dc~eifg` hijb

mif n`jb}phil w`hifap}fri&

G& O~`mb} N`~eiwihl F[H ,Fcf [`~dc~ebfj Hcif"

[imi wii} e`hiopoif {`fjiziwif o~`mb}( {blio nifo ioif mi{i}

e`f`f}poif }bfjoi} ochò}bnbhb}iw o~`mb}& Nijb o~`mb} rifj n`~imi mihie

opihb}iw op~ifj hifgi~( mb~ijpoif mif eig`}( {blio nifo li~pw e`fjienbh

}bfmioif pf}po mi{i} e`fr`h`wiboif oi~`fi b}p wifji} n`~{`fji~pl }`~limi{

}bfjoi} o`w`li}if nifo rifj wifji} eè{`fji~plb òwbw}`fwb pwili

{`~nifoif&

Inmphhil ,>;;


40/89


^`w}~po}p~bwiwb mihie i~}b hpiw e`fgiop{ {`~pnilif w}~po}p~

c~jifbwiwb( eifiaè`f( c{`~iwbcfih( wbw}è mif {~cw`mp~( o`pifjif(

iw`}( p}ifj( {è`jifj wilie( mif w`nijibfri& E`fp~p} Liwbnpif

,>;;91994"( ^`w}~po}p~bwiwb i}ip {`fi}iif phifj imihil {`~pnilif

wri~i} o~`mb} rifj e`frifjop} {`fienilif mifi nifo( ocft`~wb

w`nijbif#w`hp~pl }pfjjioif npfji e`faimb {coco o~`mb} ni~p( i}ip

ocft`~wb w`nijbif#w`hp~pl o~`mb} e`faimb {`fr`~}iif nifo i}ip

e`fjienbh {i~}f`~ hibf pf}po e`fienil {`fr`~}iif &

^`w}~po}p~bwiwb o~`mb} bfb mbhiopoif i{inbhi nifo eè{pfrib

o`riobfif nilzi m`nb}p~ eiwbl eèbhbob {~cw{ò pwili rifj nibo mif

eie{p eè`fplb o`ziabniffri w`}`hil mbhiopoif ~`w}~po}p~bwiwb&

E`fp~p} Niw}bif ,>;;41>4" {`~{ifaifjif aifjoi zio}p {`hpfiwif i}ip


41/89


{`fjpfmp~if }ifjjih ai}pl }è{c m`fjif }bfjoi} npfji rifj

n`~hiop mb {iwi~ pf}po lp}ifj ni~p m`fjif ~`wboc rifj wiei? ,7"

{`fjp~ifjif apehil {coco i}ip apehil rifj li~pw mbniri~ {imiwii} ai}pl }è{c lp}ifj {bp}ifj? ,=" {`fjp~ifjif apehil npfji

rifj }`~lp}ifj&

>& E`fjimioif {`faimzihif oènihb ,~`%wgl`mphhbfj"

^`wgl`mphbfj i}ip {`faimzihif phifj imihil {`~pnilif wri~i}

o~`mb} rifj lifri e`frifjop} aimzih {èniri~if i}ip aifjoi zio}p

}`~eiwpo eiwi }`fjjifj mif {`~pnilif n`wi~fri ifjwp~if o~`mb}& Bfb

mi{i} eènif}p m`nb}p~ mihie e`fjifjwp~ m`nb}p~ mihie aifjoi zio}p

rifj h`nbl {ifaifj rifj n`~i~}b apehil ifjwp~if rifj h`nbl o`gbh&

M`nb}p~ rifj eèn`~boif diwbhb}iw bfb imihil fiwinil rifj e`fpfapoif

b}boim nibo mif oi~io}`~ rifj apap~( w`~}i imi o`bfjbfif pf}po eèniri~

w`~}i e`fp~p} nifo pwilifri }bmio eè`~hpoif }ienilif mifi&

7& ^`gcfmb}bcfbfj i}ip {`~wri~i}if phifj

^`gcfmb}bcfbfj imihil {`~pnilif w`nijbif i}ip w`hp~pl

wri~i}wri~i} o~`mb} e`hb{p}b aimzih {èniri~if( aifjoi zio}p( }bfjoi}

wpop npfji( {`fpfmiif w`nijbif i}ip w`hp~pl npfji( mif {`~wri~i}if

hibffri& [`fienilif wri~i} o~`mb} bfb }bmio }`~eiwpo {`fienilif mifi

mif ocft`~wb w`nijbif i}ip w`hp~pl o~`mb} e`faimb ecmih {`~pwiliif& Bfb

mbn`~boif o`{imi m`nb}p~ rifj apap~( }`~npoi( mif occ{`~i}bd rifj

pwilifri w`mifj e`fjihieb o`wphb}if o`pifjif( }`}i{b mb{`~ob~ioif

eiwbl mi{i} n`~c{`~iwb mif e`fjpf}pfjoif&

=& Eè{`~}benifjoif o~`mb} ni~p ,Fctiwb o~`mb}"


42/89


E`fp~p} Mb~`o}c~i} [`f`hb}bif mif [`fji}p~if [`~nifoif

,>;;91BBB&


43/89


M& O`~ifjoi Ocfw`{}pih

[]& Nifo ]inpfjif F`ji~i ,[`~w`~c" e`~p{ioif wihil wi}p

{`~pwiliif rifj n`~j`~io mihie nbmifj {`~nifoif& Nifo bfb e`~p{ioif

nifo m`tbwi rifj o`jbi}if c{`~iwbcfih p}ieifri mbnbmifj {`~o~`mb}if&

Mihie eèn`~boif o~`mb} o`{imi fiwinil( []& Nifo ]inpfjif F`ji~i

Ginifj E`mif eè{`~li}boif [~cw`mp~ [èn`~bif O~`mb} rifj wpmil

mb}`}i{oif ch`l Nifo ]inpfjif F`ji~i& W`}`hil e`hiowifioif [~cw`mp~

[èn`~bif O~`mb}( []& Nifo ]inpfjif F`ji~i Ginifj E`mif ioif

e`hiopoif [`fjiziwif }`~limi{ o~`mb} rifj mbn`~boif o`{imi wb Fiwinil&

Lih bfb mbhiopoif ch`l Nifo ]inpfjif F`ji~i pf}po e`fbfjoi}oif opihb}iw

wbw}è {èn`~bif o~`mb}& N`~miwi~oif {`fa`hiwif mbi}iw( eioi {`fphbw

e`fgcni e`fjjieni~oif o`~ifjoi ocfw`{}pih {imi jieni~ >&>

Jieni~ >&>

O`~ifjoi Ocfw`{}pih

Wpen`~1 Mi}i chilif {`fphbw( >;;2&

[èn`~bif

O~`mb}

[~cw`mp~[èn`~bif O~`mb}

Wbw}è [`fjiziwif[èn`~bif O~`mb}

E`fbfjoi}oif

Opihb}iw [èn`~bif O~`mb}

[]& Nifo ]inpfjifF`ji~i Ginifj

E`mif


44/89


NIN BBB

E@]CM@ [@F@HB]BIF

I& A`fbw [`f`hb}bifA`fbw {`f`hb}bif rifj mbhiopoif imihil {`f`hb}bif hi{ifjif mihie

n`f}po W}pmb Oiwpw rifj mbhiopoif w`gi~i hifjwpfj m`fjif e`fmi}ifjb

cnaò {`f`hb}bif rib}p []& Nifo ]inpfjif F`ji~i ,[`~w`~c" Ginifj E`mif&

N& A`fbw Mi}i mif Wpen`~ Mi}i

Mi}i rifj mbope{phoif }`~mb~b mi~b1

9" Mi}i [~be`~ imihil mi}i rifj n`hpe mbchil rifj mb{`~ch`l hifjwpfj mi~b

~`w{cfm`f w`hiop cnaò {`f`hb}bif( mihie lih bfb mi}i rifj mb{`~ch`l mi~b

liwbh zizifgi~i n`~p{i }ifri aizin m`fjif {blio o~`mb}&

>" Mi}i Wòpfm`~ imihil mi}i rifj mbchil rifj mb{`~ch`l mi~b {`~pwiliif(

if}i~i hibf w}~po}p~ c~jifibwiwb {`~pwiliif( w ai~il wbfjoi} {`~pwiliif(

mid}i~ ochò}bnbhb}iw o~`mb} }ilpf >;;0 >;;:&

G& ]òfbo [`fjpe{phif mif [`fjchilif Mi}i

Imi{pf }òfbo {`fjpe{phif mi}i mif {`fjchilif mi}i mihie

{`f`hb}bif bfb }`~mb~b mi~b1

9" ]òfbo Mcope`f}iwb( rib}p m`fjif gi~i e`fjpe{phoif mi}i wòpfm`~

rifj }`hil }`~mcope`f}iwb nibo mi}i o`pifjif eip{pf mi}i fcf

7=


45/89


o`pifjif& Mi}i bfb n`~wpen`~ mi~b {`~pwiliif mif npop hb}`~i}p~ rifj

imi&

>" Zizifgi~i( Wpjbrcfc ,>;;=197;" e`fri}ioif nilzi( zizifgi~i

mbjpfioif w`nijib }òfbo {`fjpe{phif mi}i( i{inbhi {`f`hb}b bfjbf

e`hiopoif w}pmb {`fmilphpif pf}po e`fèpoif eiwihil rifj ioif

mb}`hb}b( mif apji i{inbhi {`f`hb}b bfjbf e`fj`}ilpb lihlih mi~b ~`w{cfm`f

rifj h`nbl e`fmihie mif apehil ~`w{cfm`ffri w`mbob}#o`gbh&

M& Ecm`h Ifihbwbw Mi}i

Ifihbwbw mi}i mbhiopoif m`fjif e`fjjpfioif e`}cm` m`wo~b{}bd

rib}p wpi}p e`}cm` ifihbwbw mi}i mbeifi mi}i mbope{ph( mbwpwpf(

mbbf}`~{~`}iwboif( mif mbifihbwbw w`lbfjji eèn`~boif o`}`~ifjif nijb

{è`gilif eiwihil rifj mblimi{b&

@& Aimzih mif Hcoiwb [`f`hb}bif

Aimzih [`f`hb}bif

]ili{ [`f`hb}bif Ijpw}pw W`{}èn`~ Co}cn`~ Fctèn`~

[`fjiapif apmph

[`fr`h`wibif [~c{cwih

Nbenbfjif mif

[`~niboif {~c{cwih

Wèbfi~ [~c{cwih

[`fjpe{phif mif

[`fjchilif mi}i

Ifihbwbw Mi}i

Nbenbfjif Wo~b{wb

[`fr`h`wibif Wo~b{wb


46/89


Hcoiwb [`f`hb}bif

[`f`hb}bif mbhiopoif mb []& Nifo ]inpfjif F`ji~i ,[`~w`~c"

Ginifj E`mif n`~ihiei} mb aihif [`epmi Fc& 9; I E`mif&


47/89


NIN BT

IFIHBWBW LIWBH [@F@HB]BIF

I& Mi}i [`f`hb}bif9& Wài~il Wbfjoi} [`~pwiliif

M`fjif eiowpm e`fmbmbo eiwri~ioi} iji~ jèi~ e`finpfj&

[è`~bf}il Lbfmbi N`hifmi e`hihpb Ocfbfohbao N`whpb}Fc& >: }ifjjih 94

Co}cn`~ 9


48/89


mi~b {è`~b}il A`{ifj o` [è`~bf}il ^`{pnhbo Bfmcf`wbi mif }`~aimbhil

{`fjjif}bif fiei e`faimb Oif}c~ ]inpfjif [cw& Ni{io

Mi~ecwc`}if}c mb}`}i{oif ch`l [è`~bf}il ^`{pnhbo Bfmcf`wbi e`faimb

mb~ò}p~ rifj {`~}iei& ]pjiw {`~}iei Oif}c~ ]inpfjif [cw imihil

e`hiopoif {`fpoi~if pifj A`{ifj m`fjif Cìfj ^`{pnhbo Bfmcf`wbi

,C^B"& ]`}i{b o`jbi}if Oif}c~ ]inpfjif [cw }bmio n`~pep~ {ifaifj(

oi~`fi ij~`wb N`hifmi ,92=4" e`fjiobni}oif mbmpmpobfri wèpi oif}c~(

}`~eiwpo oif}c~ ginifj( mi~b Oif}c~ ]inpfjif [cw mbnpoi oènihb

,92=2"( fiei Oif}c~ ]inpfjif [cw mbjif}b e`faimb Nifo ]inpfjif

^B & Wàio o`hilb~iffri mif wie{ib n`~pnil fiei Nifo ]inpfjif [cw

^B( hèniji bfb n`~fipfj mb nizil Oè`f}`~bif [`~lpnpfjif&

Nifrio oàimbif rifj n`~fbhib wài~il wàio }ilpf 920;& ]`}i{b

rifj wpnw}if}bd nijb wài~il N]F imihil mbo`hpi~oiffri PP Mi~p~i}

Fc& 2 ]ilpf 920; }ifjjih 2 D`n~pi~b 920;( rifj e`fjpnil fiei

[cw}{ii~nifo Bf Bfmcf`wbin`~miwi~oif w}ii}wnhi} Fc& >20 }ilpf 92=9

e`faimb Nifo ]inpfjif [cw mif eèbfmiloif bfmpo Oè`f}`~bif mi~b

o` Oè`f}`~bif O`pifjif mb nizil E`f}`~b P~pwif Nifo W`f}~ih&

Zihip{pf m`fjif PP Mi~p~i} }`~w`np} eiwbl n`~fiei Nifo ]inpfjif

[cw( }`}i{b }ifjjih 2 D`n~pi~b 920; mb}`}i{oif w`nijib li~b mif }ifjjih

hilb~ Nifo ]inpfjif F`ji~i& Fiei Nifo ]inpfjif [cw e`fp~p}

Pfmifjpfmifj Mi~p~i} }`~w`np} mi~b fiei Nifo ]inpfjif [cw e`faimb

Nifo ]inpfjif F`ji~i mbmiwi~oif {imi [@^[P Fc& = }ilpf 9247


49/89


}ifjjih >> Apfb 9247( rifj oèpmbif mbopi}oif m`fjif PP Fc& > }ilpf

924= }ifjjih >0 E`b 924=&

[`f`jiwif w}i}pw Nifo ]inpfjif F`ji~i w`nijib nifo ebhbo

f`ji~i( mb}`}i{oif m`fjif PP Fc& >; }ilpf 924< }ifjjih 92 M`wèn`~

924;;> }ifjjih >9 Ijpw}pw >;;>( eèp}pwoif Nifo N]F

w`nijb nifo pepe m`fjif dcopw nbwfbw {ènbiriif {`~peilif }if{i

wpnwbmb&


50/89


>& W}~po}p~ C~jifbwiwb [`~pwiliifN`~miwi~oif z`z`fifj( mi{i} ob}i hbli} w}~po}p~ c~jifbwiwb []&

Nifo ]inpfjif f`ji~i ,[`~w`~c" Ginifj E`mif Ah& [èpmi Fc& 9; I

E`mif& Imi{pf {ènijbif }pjiw mif }ifjjpfj aizin {imi w`}bi{

nijbif n`~miwi~oif w}~po}p~ c~jifbwiwb []& Nifo ]inpfjif F`ji~i

,{`~w`~c" Ginifj E`mif imihil w`nijib n`~bop}1

9& Pfb} O`~ai eifiaè`f ginifjPfb} o`~ai eifiaè`f ginifj []& Nifo ]inpfjif F`ji~i

,[`~w`~c" E`mif e`hb{p}b1

i& O`{ihi Ginifj ,N~ifgl Eifij`~"

Imi{pf }pjiw mif }ifjjpfj aizin O`{ihi ginifj ,N~ifgl

Eifij`~" imihil1

9& E`frbi{oif ~`fgifi nbwfbw pf}po ginifj&

>& E`frpwpf o`nbaioif ginifj w`wpib m`fjif {`}pfapo oif}c~

{pwi}&

7& Eèc}btiwb nizilif mif ~òif o`~ai &

=& E`fjienbh o`{p}pwif nbwfbw&

0& E`fj`hchil o`pifjif( oòiriif nifo mif o`{`jizibif mb

oif}c~ ginifj e`fp~p} {`~i}p~if Mb~òwb&

4& E`fjlbe{pf mifi e`hihpb {~cmpo }inpfjif( m`{cwb}c

n`~aifjoi( jb~c( O~`mb} [èbhboif ^peil ,O[^" mif o~`mb}

hibffri w`wpib }i~j`} rifj }`hil mb}`}i{oif n`~miwi~oif

o`}`}i{if Mb~òwb rifj n`~hiop&


51/89


52/89


=& E`hiopoif {èniri~if }pfib o`{imi {`f`~bei ob~beif pifj&

n& Gpw}ce`~ W`~tbg`

]pjiw mif ]ifjjpfj aizin Gpw}ce`~ W`~tbg` imihil1

9& Eèn`~boif bfdc~eiwb }`f}ifj {~cmpo N]F o`{imi fiwinil

#eiwri~ioi} pepe&

>& Eèn`~boif bfdc~eiwb }`f}ifj ~ò`fbfj ,wihmc( }~ifwiowb( mif

hibfhibf" o`{imi {èbhbo ~ò`fbfj&

7& E`hirifb {ènpopif ~ò`fbfj ni~p ,}inpfjif( m`{cwb}c mif

jb~c"&

=& E`hirifb ocfdb~eiwb wihmc mi~b ginifj hibf&

0& E`hirifb {`~g`}ioif wihmc }inpfjif {imi npop }inpfjif&

4& E`hirifb {`fgib~if m`{cwb}c mif {`fp}p{ ~ò`fbfj

}inpfjif#jb~c&

:& E`hirifb {`fjjif}bif npop }inpfjif i}ip {`~g`}ioif npop

}inpfjif ni~p&


53/89


>& E`hiopoif Zizifgi~i Gihcf M`nb}p~&

7& E`hiopoif {`fbfaipif pf}po e`hiopoif o`hirioif Gihcf

M`nb}p~&

=& E`frpwpf mid}i~ pwphif {`~eclcfif mif e`fjimioif î{i}

Oceb}` O~`mb}&

0& E`frie{iboif liwbh o`{p}pwif î{i} Oceb}` O~`mb} ,n`~p{i

W[7O" o`{imi Gihcf M`nb}p~&

4& E`frpwpf {`~aifabif o~`mb} mif e`hiowifioif Ioim O~`mb}

,n`~wieiHcif Imebfbw}~i}bcf"&

:& E`hirifb mif e`fr`h`wiboif ohibe m`nb}p~&

& E`hirifb }~ifwiowb {èbfmil npopif&

7& E`hiowifioif }~ifwiowb ob~beif pifj&

=& E`hiowifioif }~ifwiowb ohb~bfj mif bfoiwc&


54/89


0& E`fj`hchi hbopbmiwb ginifj&

4& E`fr`h`fjji~ioif imebfbw}~iwb mif {`fr`}c~if {iaio&

:& E`fr`h`fjji~ioif {ènpopif ifjwp~if O[^ e`hihpb oif}c~

{cw mif nifo hibf&

& E`hiopoif ifihbwi o~`mb} pepe&

7& E`fjiapoif pwphif i}ip ~òce`fmiwb o`hirioif {`~eclcfif

o~`mb}&

=& E`hiopoif }iowiwb ijpfif&

0& E`frbe{if mif eè`hbli~i mcope`fmcope`f ijpfif

o~`mb}&

4& E`fbhib o`hirioif cnaò ijpfif&

:& E`hiopoif {ènbfiif }`~limi{ m`nb}p~ o~`mb} pepe&


55/89


9;&E`hiopoif hifjoil hifjoil {`fr`h`wibif o~`mb}&

g"& J`f`~ih N~ifgl Imebfbw}~i}bcf

]pjiw mif }ifjjpfj aizin J`f`~ih N~ifgl Imebfbw}~i}bcf

,JNI" imihil1

9& E`frbi{oif o`np}plif ihi}( wi~ifi mif {~iwi~ifi c{`~iwbcfih

oif}c~ ginifj&

>& Eè`hbli~i iww`} }`}i{ , w`{`~}b 1 j`mpfj( ~peil mbfiw(

o`fm`~iif mif w`nijibfri"&

7& E`fr`h`fjji~ioif p~pwif p~pwif o`{`jizibif&

=& E`fr`h`fjji~ioif p~pwif pepe hibffri&

=& Gchh`g}bcf mif Zc~ocp}

Gchh`g}bcf mif Zc~ocp}imihil nijbif rifj e`fji}p~ }`f}ifj

{ènbfiif( {`fr`hiei}if mif {`fijblif o~`mb}& Gchh`g}bcf mif

Zc~ocp} []& Nifo ]inpfjif F`ji~i , [`~w`~c " Ginifj E`mif

e`hb{p}b1

i& Zc~ocp} W}idd

]pjiw mif }ifjjpfj aizin Zc~ocp} W}iddimihil1

9& Eèiw}boif {èniri~if oènihb o~`mb} rifj n`~eiwihil

m`fjif e`hiopoif }bfmioif {`fr`h`wibif&

>& E`hiopoif {~cw`w ~`w}~po}p~bwiwb o~`mb} ~`}ibh mif o~`mb}

pepe&

7& E`hiopoif {~cw`w {`fr`h`wibif o~`mb} ~`}ibh mif o~`mb} pepe&


56/89


=& E`fr`h`wiboif {`~eiwihilif lpope rifj n`~oib}if m`fjif

iww`} o~`mb} rifj n`~eiwihil&

0& Eènpi} hi{c~if ~p}bf o` oif}c~ {pwi} rifj }`~oib} m`fjif

}bfmioif {`fr`h`wibif o~`mb}&

n& Gchh`g}bcf W}idd

]pjiw mif }ifjjpfj aizin Gchh`g}bcf W}iddimihil1

9& E`hiopoif bm`f}bdboiwb }`~aimbfri }pfjjioif&

>& E`hiopoif {ènbfif o~`mb} ~`}ibh&

7& Eèif}ip o`hifgi~if {èniri~if o~`mb}&

=& E`hiopoif {èif}ipif mi}i O[^ pf}po o`np}plif

{ènbfiif m`nb}p~&

0& Eèn`~boif ih}`~fi}bd {ènbfiif o~`mb} iji~ o~`mb}

oènihb hifgi~&

4& E`hiopoif {`hirifif( {ènbfif mif {èif}ipif

{èniri~if m`nb}p~ ochò}bd&

:& E`hirifb m`nb}p~ rifj eè`~hpoif }bfmioif {`fr`h`wibif

olpwpw o~`mb} m`fjif {ènbfiif o~`mb}&


57/89


0& Pfb} Iggcpf}bfj Gcf}~ch

]pjiw mif }ifjjpfj aizin Pfb} Iggcpf}bfj Gcf}~ch imihil1

9& E`frbi{oif hi{c~ifhi{c~if o`pifjif Nifo ,F`~igi( ^#H"&

>& E`hiopoif {`fjiziwif ,ocf}~ch" }`~limi{ {cw{cw rifj }`~mi{i}

{imi hi{c~if o`pifjif&

7& E`frbe{if mif eè`hbli~i dbh`dbh` ,i~wb{" npo}bnpo}b

}~ifwiowb&

=& E`hiopoif {`fjiziwif w`gi~i bf}`~f , bf}`~fih gcf}~ch"&

0& E`frbi{oif hi{c~ifhi{c~if pf}po o`np}plif bf}`~fih eip{pf

òw}`~fih&

4& W`nijib o`h`fjoi{if mi}i ~ifjoi {è`~bowiif {blio òw}`~fih

mif bf}`~fih&

4& Pfb} Oif}c~ Oiw

]pjiw mif }ifjjpfj aizin Oif}c~ Oiw imihil1

9& [`fjlbe{pfif mifi e`hihpb {~cmpo ]inpfjif( M`{cwb}c(

Ifjwp~if O[^ mif hibffri&

>& E`~p{ioif papfj }cenio {èiwi~if {~cmpo {~cmpo nifo&

7& E`fpfaifj hbopbmb}iw oif}c~ ginifj&

7& ^pifj Hbfjop{ O`jbi}if mif A`fbw% a`fbw O~`mb}

^pifj hbfjop{ o`jbi}if []& Nifo ]inpfjif F`ji~i , [`~w`~c"

imihil w`nijib n`~bop} 1


58/89


i& Nbmifj C{`~iwbcfih Mifi

Nbmifj bfb n`~dpfjwb pf}po e`fjlbe{pf mifi mi~b

eiwri~ioi} i}ip mi~b {blio o`}bji& Mihie ~ifjoi e`fjlbe{pf mifi

mifi }`~w`np}( []& Nifo ]inpfjif F`ji~i , [`~w`~c" e`fj`hpi~oif

n`~nijib a`fbw {~cmpofri( rib}p1

9& ]inpfjif Ni}i~i

]inpfjif Ni}i~i imihil a`fbw wbe{ifif n`niw rifj

mbw`h`fjji~ioif ch`l Nifo ]inpfjif F`ji~i rifj mb{`~pf}poif

nijb w`hp~pl eiwri~ioi} Bfmcf`wbi m`fjif eiowpm pf}po

e`enpmirioif o`nbiwiif pf}po e`finpfj&

>& ]inpfjif Ni}i~i Oif}c~ [cw mif Jb~c

]inpfjif Ni}i~i Oif}c~ [cw mif Jb~c imihil a`fbw wbe{ifif

n`niw rifj mbo`hchil ch`l []& Nifo ]inpfjif F`ji~i ,[`~w`~c"

e`hihpb hco`}hco`} oif}c~ [cw mif jb~c mb w`hp~pl zbhiril

Bfmcf`wbi&

7& M`{cwb}c

M`{cwb}c imihil wbe{ifif {blio o`}bji {imi nifo rifj

{`fi~boiffri lifri mi{i} mbhiopoif mihie aifjoi zio}p }`~}`f}p

e`fp~p} {`~aifabif nifo m`fjif {blio o`}bji nibo mihie ~p{bil

i}ip mihie tihp}i iwbfj&

=& Jb~c


59/89


Jb~c imihil wbe{ifif {blio o`}bji {imi nifo rifj {`fi~boiffri

lifri mi{i} mbhiopoif w`}bi{ wii} m`fjif e`fjjpfioif gò(

wp~i} {`~bf}il {èniri~if hibffri i}ip {èbfmilnpopif&

0& W`~}bdboi} M`{cwb}c

W`~}bdboi} M`{cwb}c imihil wp~i} n`~li~ji i}iw pfapo mihie ~p{bil

i}ip tihiw rifj mi{i} mb{`~apihn`hboif&

n& Nbmifj C{`~iwbcfih O~`mb}

Nbmifj c{`~iwbcfih o~`mb} bfb n ~dpfjwb pf}po e`frihp~oif

oènihb mifimifi rifj }`hil n`~liwbh mblbe{pf ch`l []& Nifo

]inpfjif F`ji~i ,[`~w`~c" o`{imi eiwri~ioi} e`hihpb diwbhb}iw

{bfaieif i}ip o~`mb}&

Imi{pf diwbhb}iw o~`mb} rifj mb}izi~oif o`{imi eiwri~ioi}

if}i~i hibf imihil w`nijib n`~bop}1

i& O~`mb} Wzimifi

Rib}p mbn`~boif o`{imi fiwinil rifj eè`~hpoif mifi

w`j`~i m`fjif aiebfif }inpfjif i}ip m`{cwb}c rifj mb}è{i}oif mb

Nifo N]F&

Wri~i} wri~i} mif o`}`f}piffri

[`~c~ifjif i}ip hèniji

9& ]`hil n`~pwbi >9 }ilpf i}ip }`hil e`fboil&

>& Eèbhbob wbe{ifif mihie n`f}po }inpfjif#m`{cwb}c mif

eè`fplb wri~i} pf}po mbaimboif aiebfif o~`mb}&


60/89


7& Aifjoi zio}p o~`mb} ebfbeih 7 ,}bji" nphif eiowbeih 9 ,wi}p"

}ilpf mif mi{i} mb{`~{ifaifj i}iw {`~w`}papif Nifo N]F&

n& O~`mb} [`~peilif [`~pwiliif ,O[["

Rib}p o~`mb} rifj mbn`~boif o`{imi {`~pwiliif pf}po

e`fr`mbioif diwbhb}iw {`~peilif mbfiw {`~pwiliif i}ip{pf diwbhb}iw

{èbhboif ~peil {`jizib rifj mbmiwi~oif {imi o`~aiwiei if}i~i

N]F m`fjif {`~pwiliif mihie e`fmpopfj {~cj~ie {`~peilif&

Wri~i}wri~i} mif o`}`f}piffri1

9& [èclcfif imihil {`~pwiliif i}ip Nimif pwili&

>& Eèbhbob ~ò`fbfj Jb~c mb Nifo N]F&

7& Imi gce{ifr jpi~if}`` mi~b {`~pwiliif&

O`}`f}pif o~`mb}fri1

9& Eiowbeih o~`mb} w`n`wi~ :0 % w#m 2; % mi~b nbiri

{ènifjpfif i}ip li~ji {èn`hbif ~peil&

>& Aiebfif o~`mb} imihil ~peil mif }ifil rifj mbnbirib mi~b

O[[&

7& Aifjoi zio}p o~`mb} wie{ib m`fjif 90 }ilpf&

g& ^ìh Giwl

Rib}p {`fr`mbiif mif }pfib nijb fiwinil pf}po n`~nijib

o`{`~hpif mif mi{i} mb}i~bo w`zio}pzio}p , w}ifm nr hcif"&

Wri~i} mif o`}`f}piffri1


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9& [èclcf imihil ZFB( pwbi ebfbeih >9 }ilpf i}ip }`hil

e`fboil w`~}i {imi pwbi 40 }ilpf o~`mb}fri }`hil hpfiw&

>& Eèbhbob O[^ i}ip o~`mb} {`~c~ifjif hibf mb Nifo N]F&

7& Mifi mi{i} mb}i~bo mbw`hp~pl ai~bfjif I]E Nifo N]F

e`fjjpfioif oi~}p^ìh Giwl i}ip mb hco`}hco`} Nifo N]F&

O`pfjjphif1

9& Mbn`~boif i}iw o`h`nblif ijpfif o~`mb}( oi~`fi imifri

{`fp~pfif cpw}ifmbfj o~`mb}&

>& Aifjoi zio}p 9> nphif mi{i} mb{`~{ifaifj&

7& Wpop npfji h`nbl ~`fmil mbnifmbfj {~cmpo wà`fbw mb nifo

hibf&

=& N`niw nbiri {~cw`w&

m& OEO Lcpwbfj ^`hi}`m

Rib}p o~`mb} ecmih o`~ai( mbn`~boif pf}po {ènbiriif

o`np}plif ecmih o`~ai( olpwpwfri wò}c~ bfmpw}~b rifj }`~oib}

m`fjif {`~peilif( }`~eiowpm pwilipwili {`fpfaifjfri&

Wri~i} mif o`}`f}pif 1

9& [èclcf imihil nimif pwili rifj n`~n`f}po {`~w`c~ifjif

}`~ni}iw ,[]"( Oc{`~iwb( Ririwif( [`~w`~cif Oceifmb}`~

, GT "( mif [`~c~ifjif&

>& N`~o`mpmpoif mihie zbhiril ^&B&

7& Eèbhbob {`~bqbfif pf}po e`hiopoif o`jbi}if pwili&


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=& ]`hil e`faimb {è`jifj ~ò`fbfj jb~c mb Nifo N]F&

0& Ijpfif {coco n`~p{i {~crò#pwili rifj mbnbirib mif

ijpfif }ienilif rifj mb}`f}poif ch`l Nifo&

O`pfjjphif 1

9& OEO mbn`~boif eiowbeih :;% mi~b o`np}plif ecmih o`~ai&

>& olpwpw pf}po { ~eclcfif GT #{`~c~ifjif eiowbeih o~`mb}

^{& 0;;&;;;&

7& Aifjoi zio}p eiowbeih o~`mb} 9< nphif&

`& O~`mb} Pwili Ebo~c mif O`gbh

]papif OPEO pf}po e`fbfjoi}oif iow`w pwili ebo~c mif

o`gbh }`~limi{ mifi {bfaieif rifj n`~iwih mi~b Wp~i} P}ifj

[è`~bf}il ,WP[" pf}po {ènbirif bft`w}iwb mif ecmih o`~ai

m`fjif {`~wri~i}if rifj ~`hi}bd ~bfjif mif }`~aifjoip&

A`fbw pwili1

9& Pwili Ebo~c

i& Pwili O`gbh

Eiowbeih O~`mb} 1

9& Pwili Ebo~c( wie{ib m`fjif ^{& 0;&;;;&;;;

>& Pwili O`gbh( wie{ib m`fjif ^{& 0;&;;;&;;;

[ènbiriif w`fmb~b ,wli~`"

9& Ebfbeih >;% mi~b o`np}plif ecmih o`~ai( pf}po

OPEO ecmih o`~ai&


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>& Ebfbeih >0% mi~b o`np}plif ecmih o`~ai( pf}po

OPEO bft`w}iwb&

Aifjoi Zio}p O~`mb}1

9& Aifjoi zio}p OPEO ecmih o`~ai eiowbeih ,wi}p" }ilpf mif

mi{i} mb{`~{ifaifj eiowbeih ,mpi" oihb m`fjif

eè{`~}benifjoif ocfmbwb pwili mif{`~dc~eifg` M`nb}p~&

>& Aifjoi Zio}p OPEO bft`w}iwb eiowbeih ,hbei" }ilpf

}`~eiowpm }`fjjifj zio}p {èniri~if ifjjwp~if

,j~ig`{`~bcm"? aifjoi zio}p eiwi }`fjjifj eiowbeih ,wi}p"

}ilpf&

=& [~cw`mp~ [èn`~bif O~`mb}

[~cw`mp~ {èn`~bif o~`b} }`~w`np} mbnijb n`n`~i{i }ili{ w`nijib

n`~bop}1

i& ]ili{ [`~eclcfif o~`mb}[`~elcfif o~`mb} rifj mbiapoif gihcf m`nb}p~ #{èclcf

o~`mb} pf}po wèpi a`fbw o~`mb} imihil wiei m`fjif n`~bwboif

mcope`f mcope`f w`{`~}b n`~bop}1

9& Mcope`f bf}b( }`~mb~b i}iw1

9& Dc}cgc{r Oi~}p Bm`f}b}iw ,O]["

>& [iw{lc}c wpieb mif bw}~b

7& Oi~}p O`hpi~ji


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=& Wp~i} o`}`~ifjif {`~bfgbif {`fjliwbhif olpwpw {èclcf

n`~{`fjliwbhif }bmio }`}i{

0& Wp~i} o`}`~ifjif }è{i} nò`~ai # }è{i} pwili

>& Mcope`f {`fmpopfj( }`~mb~b mi~b1

9& Wp~i} Fboil

>& ^ò`fbfj ]inpfjif Ni}i~i # Jb~c N]F

7& Wp~i} O`}`~ifjif mi~b M`t`hc{`~ # {`fapih ~peil

=& N`~oiw o`h`fjoi{if mi}i hibffri( w`{`~}b1

i" Aboi {èclcf [FW # IN^B #Wb{bh IN^B # NPEF

#Wziw}i N`wi~

9& Oi~}p {`jizib # {`fwbpf ,FB["

>& Wp~i} o`}`~ifjif o`{ifjoi}if # aini}if }`~iolb~

7& Wp~i} o`}`~ifjif {`fwbpfif # {p~fizb~izf

=& ^òce`fmiwb iwp~ifwb IN^B

0& Wp~i} opiwi {èc}cfjif jiab

n" Aboi {èclcf zb~iwziw}i { ~c~ifjif #wziw}i #{ò`~ai

{~cd`wbcfih&

9& Io}` {`fmb~bif {`~pwiliif , aboi {èclcf w`nijib

ocebwi~bw # Mb~òwb"

>& Wp~i} Bqbf Pwili

7& Wp~i} O`}`~ifjif Hp~il # Giei}

=& ]ifmi Mid}i~ [`~pwiliif

0& Wp~i} Bqbf ]è{i} Pwili


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4& Oi~}p Iwo`w ,aboi imi"

:& F[Z[ {`~pwiliif

& Lpnpfjif if}i~i Nifo ]inpfjif F`ji~i m`fjif {`eclcf

,o~`mb}p~m`nb}p~"

7& Lio mif o`ziabnif m`nb}p~


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0& Gcfmb}bcf cd @gcfcebg ,ocfmbwb òcfceb"

]ili{ ifihbwi imihil }ili{ mbeifi nifo ioif e`hiopoif

ifihbwi }`~limi{ {`~eclcfif rifj }`hil mbiapoif ch`l

m`nb}p~#{èclcf& [blio nifo rifj }`hil e`hiopoif zizifgi~i

}`~limi{ {èclcf oèpmbif e`fjifihbwifri mbeifi dc~ephb~

{`~eclcfif( n`~oiw o`h`fjoi{if mi}i mif liwbh zizifgi~i ioif

mbwpwpf mihie wpi}p Mid}i~ Pwphif [èclcf ,MP["&

Mid}i~ Pwphif [èclcf }`~w`np} mbiapoif o`{imi wpi}p

oceb}` rifj mbw`np} î{i} Oceb}` O~`mb} ,îocemb}" pf}po

eèn`~boif o`{p}pwif i}iw {`~eclcfif o~`mb} }`~w`np} O`{p}pwif

îocemb}( mi{i} 1

9& Mbw`}papb oi~`fi eè`fplb wri~i}wri~i} mif o`}`f}pif Wp~i}

[`f`jiwif [`~w`}papif [èn`~bif O~`mb} ,W[7O"

>& Mb}chio oi~`fi }bmio eè`fplb wri~i}wri~i} mif o`}`f}pif

W[7O

7& Mbw`}papb m`fjif {`~wri~i}if }`~}`f}p&

Mihie îocemb} {`~w`}papif {`~eclcfif o~`mb} mbw`}papb

{ihbfj w`mbob} = i}ip 0 c~ifj rifj eèn`~boif o`{p}pwif o~`mb}

}`~w`np}& Aboi o`{p}pwif îocemb} imihil mbw`}papb i}ip mbw`}papb

m`fjif {`~wri~i}if( eioi W[7O mi{i} mb}`~nb}oif& Mif aboi

{`~eclcfif o~`mb} mb}chio( eioi {blio Nifo ]inpfjif F`ji~i ioif

eèn`~boif wp~i} [èn`~b}ilpif o`{imi gihcf m`nb}p~&


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g& ]ili{ O`{p}pwif O~`mb}

W[7O mbn`~boif i{inbhi liwbh o`{p}pwif ^iocemb} mihil

mbw`}papb i}ip }bmio mbw`}papb m`fjif {`~wri~i}if& Wp~i} [`f`jiwif

[`~w`}papif [`en`~bif O~`mb} ,W[7O" n`~bwboif if}i~i hibf 1

A`fbw o~`mb} ,w`wpib o~`mb} rifj mbienbh"

9& Apehil eiowbepe o~`mb}

>& Aifjoi zio}p o~`mb}

7& Wpop npfji

=& Ifjwp~if {`~ nphif

ANALISIS SISTEM PENGAWASAN PEMBERIAN KREDIT PADA PT. BANK TABUNGAN NEGARA ( PERSERO ) CABANG MEDAN

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Transcript of ANALISIS SISTEM PENGAWASAN PEMBERIAN KREDIT PADA PT. BANK TABUNGAN NEGARA ( PERSERO ) CABANG MEDAN