GZZCBIH INKMKDBN^

Wugrtir 7*Dkhuci 7
Inkmkdbns gs g ^knbgc ^nbimni
gmh Gppcbih ^nbimni bm Xirds ke
Mgturi gmh ^nkpi
GZZC BIH INKMKDBN^
GZZCBIH INKMKDBN^ „ Arghi 7?
Gc tirmgt
tir mgtbv
bv i Hicbvir
Hicb viry
y Dkhi
Dk hi
Wugrtir 7 „ Dkhuci 7< Inkmkdb ns gs g ^knbgc ^nbimni
gmh Gppcb ih ^nbimni
^nbimni bm Xirds
Xirds ke Mgturi gmh ^nkpi
Ebrst Ihbtbkm, ?:?:

_ipuocbn Gnt 6?2>, sintbkm 715 stgtis tfgt< Mk nkpyrbaft sfgcc suosbst bm gmy
wkr` ke tfi Akvirmdimt ke tfi Zfbcbppbmis. Fkwivir, prbkr gpprkvgc ke tfi akvirmdimt
gaimny kr keebni wfiribm tfi wkr` bs nrigtih sfgcc oi minissgry ekr ixpckbtgtbkm ke sunf
wkr` ekr prkebt. ^unf gaimny kr keebni dgy, gdkma ktfir tfbmas, bdpksi gs g nkmhbtbkm tfi
pgydimt ke rkygctbis.

Okrrkwih dgtirbgcs (b.i., skmas, stkrbis, pkids, pbnturis, pfktks, orgmh mgdis,
trghidgr`s, itn.) bmncuhih bm tfbs dkhuci gri kwmih oy tfibr rispintbvi nkpyrbaft fkchirs. Iviry
ieekrt fgs oiim ixirtih tk ckngti gmh sii` pirdbssbkm tk usi tfisi dgtirbgcs erkd tfibr rispintbvi
nkpyrbaft kwmirs. Xfi puocbsfir gmh gutfkrs hk mkt riprisimt mkr ncgbd kwmirsfbp kvir tfid.

Zuocbsfih oy tfi Hipgrtdimt ke Ihungtbkm

^inritgry< Cikmkr Dgatkcbs
Dgatkcbs Orbkmis
Ymhirsinritgry< Hbkshghk D. ^gm
^gm Gmtkmb k

Dgmgaidimt gmh Hivickpdimt Xigd

^nfkkcs Hbvbsbkm ^upirbmtimhimt< Dgrbg Dgahgcimg D. Cbd, NI^K U

Nfbie Ihungtbkm ^upirvbskr< Gbhg F. _kmhbccg
NBH Ihungtbkm Zrkargd ^upirvbskr< _idycbmhg X. ^krbgmk

NBH C_ ^upirvbskr< Cun`y ^. Ngrpbk

NBH C_D^ ZHK BB< Gcoirt Lgdis Z. Dgngrgia

_ivbiwirs/Ugcbhgtkrs< _idycbmhg X. ^krbgmk, IZ^, Dgtf

Gmaicbtg \. Dkhistk, Z^H^
Aikrai O. Okrrkdik, Z^H^

Ihbtkrs< Iccgbmi B. Hicg Nruz, HOG

Bsgoic G. Audgru, HOG

Qrbtir< Iccgbmi B. Hicg Nruz, HOG

Zrbmt ih bm tfi Zf bcb ppb mis o y [[[[[[[[

[[[[[[[[[[[[
[[[[[[[
[[[[[[
[[[[[[
[[[[[[
[[[
Hipgrtdimt ke Ihungtbkm „ Mgtbkmgc Ngpbtgc _iabkm
Keebni Ghhriss< [[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[
[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[
Xiciegx< [[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[
I-dgbc Ghhriss< [[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[

7
Bmtrkhuntkry Dissgai

Ekr tfi Egnbcbtgtkr<

Qicnkdi tk tfi GZZCBIH INKMKDBN^ Gctirmgtbvi Hicbviry Dkhi (GHD)

Dkhuci km Inkmkdbns gs g ^knbgc ^nbimni
^nbimni gmh Gppcbih ^nbimni bm Xirds ke Mgturi gmh
^nkpi.

Xfbs dkhuci wgs nkccgokrgtbvicy

nkc cgokrgtbvicy hisbamih, hivick
hivickpih
pih gmh rivbiwih oy ihungtkrs
oktf erkd puocbn gmh prbvgti bmstbtutbkms tk gssbst yku, tfi tignfir kr egnbcbtgtkr bm
ficpbma tfi cigrmirs diit tfi stgmhgrhs sit oy tfi @ tk 7? Nurrbnucud wfbci kvirnkdbma
tfibr pirskmgc, sknbgc, gmh inkmkdbn nkmstrgbmts bm snfkkcbma.

Xfbs cigrmbma riskurni fkpis tk imagai tfi cigrmirs bmtk aubhih gmh bmhipimhimt
cigrmbma gntbvbtbis gt tfibr kwm pgni gmh tbdi. Eurtfirdkri, tfbs gcsk gbds tk ficp
cigrmirs gnqubri tfi miihih ?7st nimtury s`bccs wfbci tg`bma bmtk nkmsbhirgtbkm tfibr
miihs gmh nbrnudstgmnis.

Bm ghhbtbkm tk tfi dgtirbgc bm tfi dgbm tixt, yku wbcc gcsk sii tfbs okx
o kx bm tfi okhy
ke tfi dkhuci<

Mktis tk tfi Xignfir

Xfbs nkmtgbms ficpeuc
ficpeuc tbps kr strgtiabis tfgt
wbcc ficp yku bm aubhbma tfi cigrmirs.

Gs g egnbcbtgtkr, yku gri ixpintih tk krbimt

k rbimt tfi cigrmirs km fkw tk usi tfbs dkhuci.
Rku gcsk miih tk `iip trgn` ke tfi cigrmirs' prkariss wfbci gcckwbma tfid tk dgmgai
tfibr kwm cigrmbma. Eurtfirdkri, yku gri ixpintih tk imnkurgai gmh gssbst gssb st tfi cigrmirs
gs tfiy hk tfi tgs`s bmncuhih bm tfi dkhuci.

?
Ekr tfi cigrmir<

Qicnkdi tk GZZCBIH INKMKDBN^ Gctirmgtbvi Hicbviry Dkhi (GHD)

Dkhuci km Inkmkdbns gs g ^knbgc ^nbimni gmh Gppcbih
Gppcbih ^nbimni bm Xirds
Xirds ke
Mgturi gmh ^nkpi.

Xfi fgmh bs kmi ke tfi dkst sydokcbzih pgrts ke tfi fudgm okhy. Bt bs
ketim usih tk hipbnt s`bcc, gntbkm gmh purpksi. Xfrkuaf kur fgmhs wi dgy cigrm,
nrigti gmh gnnkdpcbsf. Fimni, tfi fgmh bm tfbs cigrmbma riskurni sbambebis tfgt
yku gs g cigrmir bs ngpgoci gmh idpkwirih tk sunnisseuccy gnfbivi tfi ricivgmt
nkdpitimnbis gmh s`bccs gt ykur kwm pgni gmh tbdi. Rkur gnghidbn sunniss cbis
bm ykur kwm fgmhs!
Xfbs dkhuci wgs hisbamih tk prkvbhi yku wbtf eum gmh digmbmaeuc
kppkrtumbtbis ekr aubhih gmh bmhipimhimt cigrmbma gt ykur kwm pgni gmh tbdi.
Rku wbcc oi imgocih tk prkniss tfi nkmtimts ke tfi cigrmbma riskurni wfbci oibma
gm gntbvi cigrmir.

Xfbs dkhuci fgs tfi ekcckwbma pgrts gmh nkrrispkmhbma bnkms<

Qfgt B Miih tk Xfbs wbcc abvi yku gm bhig ke tfi s`bccs kr
@mkw nkdpitimnbis yku gri ixpintih tk cigrm bm
tfi dkhuci.
Xfbs pgrt bmncuhis gm gntbvbty tfgt gbds tk
Qfgt B @mkw nfin` wfgt yku gcrighy `mkw gokut tfi
cisskm tk tg`i. Be yku ait gcc tfi gmswirs
nkrrint (7::%), yku dgy hinbhi tk s`bp
tfbs dkhuci.
Xfbs bs g orbie hrbcc kr rivbiw tk ficp yku
Qfgt‒s Bm
cbm` tfi nurrimt cisskm wbtf tfi privbkus
kmi.
Bm tfbs pkrtbkm, tfi miw cisskm wbcc oi
Qfgt‒s Miw bmtrkhunih tk yku bm vgrbkus wgys sunf
gs g stkry, g skma, g pkid, g prkocid
kpimir, gm gntbvbty kr g sbtugtbkm.
Xfbs sintbkm
sintbkm prkvbhis g orbie hbsnussbkm ke
Qfgt bs Bt tfi cisskm. Xfbs gbds tk ficp yku hbsnkvir
gmh umhirstgmh miw nkmnipts gmh s`bccs.
Xfbs nkdprbsis gntbvbtbis ekr bmhipimhimt
Qfgt‒s Dkri
prgntbni tk skcbhbey ykur umhirstgmhbma
gmh s`bccs ke tfi tkpbn. Rku dgy nfin` tfi
gmswirs tk tfi ixirnbsis usbma tfi
Gmswir @iy gt tfi imh ke tfi dkhuci.
Qfgt B Fgvi Xfbs bmncuhis quistbkms kr ocgm`
Cigrmih simtimni/pgrgargpf tk oi ebccih bm tk
prkniss wfgt yku cigrmih erkd tfi
cisskm.
Xfbs sintbkm prkvbhis gm gntbvbty wfbnf
Qfgt B Ngm Hk wbcc ficp yku trgmseir ykur miw
`mkwcihai kr s`bcc bmtk rigc cbei sbtugtbkms
kr nkmnirms.
Xfbs bs g tgs` wfbnf gbds tk ivgcugti ykur
Gssissdimt civic ke dgstiry bm gnfbivbma tfi cigrmbma
nkdpitimny.
Ghhbtbkmgc Bm tfbs pkrtbkm, gmktfir gntbvbty wbcc oi
Gntbvbtbis abvim tk yku tk imrbnf ykur `mkwcihai kr
s`bcc ke tfi cisskm cigrmih. Xfbs gcsk timhs
ritimtbkm ke cigrmih nkmnipts.
Xfbs nkmtgbms gmswirs tk gcc gntbvbtbis bm
Gmswir @iy tfi dkhuci.
Gt tfi imh ke tfbs dkhuci yku wbcc gcsk ebmh<

_ieirimnis Xfbs bs g cbst ke gcc skurnis usih bm

hivickpbma tfbs dkhuci.

>
Xfi ekcckwbma gri skdi ridbmhirs bm usbma tfbs dkhuci<

7. Ysi tfi dkhuci wbtf ngri. Hk mkt put umminissgry

u mminissgry dgr`/s km gmy pg
pgrt
rt ke
tfi dkhuci. Ysi g sipgrgti sfiit ke pgpir bm gmswirbma tfi ixirnbsis.
?. Hkm‒t ekrait tk gmswir Qfgt B @mkw oiekri dkvbma km tk tfi ktfir gntbvbtbis
bmncuhih bm tfi dkhuci.
>. _igh tfi bmstruntbkm ngrieuccy oiekri hkbma ignf tgs`.
8. Kosirvi fkmisty gmh bmtiarbty bm hkbma tfi tgs`s gmh nfin`bma ykur
gmswirs.

9. Ebmbsf tfi tgs` gt fgmh oiekri prkniihbma tk tfi mixt.

5. _iturm tfbs dkhuci tk ykur tignfir/egnbcbtgtkr kmni yku gri tfrkuaf wbtf
bt.
Be yku imnkumtir gmy hbeebnucty bm gmswirbma tfi tgs`s bm tfbs dkhuci, hk
mkt fisbtgti tk nkmsuct ykur tignfir kr egnbcbtgtkr. Gcwgys oigr bm dbmh tfgt
yku gri mkt gckmi.

Qi fkpi tfgt tfrkuaf tfbs dgtirbgc, yku wbcc ixpirbimni digmbmaeuc

cigrmbma gmh agbm hiip umhirstgmhbma ke tfi ricivgmt nkdpitimnbis. Rku ngm
hk bt!

8
 Qfgt B Miih
Miih Xk @mkw

Xfbs dkhuci wgs ngrieuccy pripgrih gmh hisbamih ekr yku tk pirekrd gt ykur
kwm pgni. Ysieuc gntbvbtbis km tfi mgturi gmh snkpi ke inkmkdbns, bts ebichs wiri prkvbhih ekr
yku tk gnnkdpcbsf wfbnf wbcc gcckw sice-hbsnkviry ke tfi nkmnipt. Xfisi wbcc gcsk ficp hivickp
ykur nrigtbvbty gmh nrbtbngc tfbm`bma s`bccs tk dg`i hinbsbkms bmhipimhimtcy. Bt bs gcsk ixpintih
tfgt upkm gnnkdpcbsfbma tfisi gntbvbtbis, yku ngm nkddumbngti nkmebhimtcy gmh nkccgokrgti wbtf
ktfir pikpci tk skcvi prkocids, bmticcbaimtcy. Gmh dkst bdpkrtgmtcy, ykur nfgrgntir gmh bmbtbgtbvi
tk fgmhci sbtugtbkms wfbnf yku ngmmkt nkmtrkc wbcc oi bdprkvih.

Gt tfi imh ke tfi sissbkm, yku sfkuch oi goci tk ixpcgbm

ixpcgbm tfi mgturi gmh snkpi
snkpi ke inkmkdbns0
hitirdbmi bts ebichs< tfi dbnrk gmh dgnrkinkmkdbns0 usi tfi hbeeirimt riskurnis bm tfi
prkhuntbkm ke akkhs gmh sirvbnis, gmh bm rigc wkrch, oinkdi ieebnbimt bm tfi usi ke tfisi
prkhunts.

Qfgt B `mkw
Cit us nfin` ykur `mkwcihai km kur tkpbn. Fgvi eum gmswirbma!
Gn tb vb ty Mk. 7 Hbrintbkms
Gntb Hbrintbkms<< @bmhcy grrgmai tfi ekcckwbma wkrhs. Xfisi gri tfi tirds yku
nkddkmcy imnkumtir wfim yku dg`i hinbsbkms ke akbma tk tfi dgr`it. Ixgdpcis ke tfisi
btids gri abvim km tfi rbaft nkcudm.

7. DB_INKKNMKD^NB
DB_INKK NMKD^NB [[[[[[[[[[[[[[[[[[[[[[[[ bmhbvbhugcs, ebrds, gmh bmhustrbis
?. XIMGABCOH^K KA [[[[[[[[[[[[[[[[[[[[[[[[[ogsbn
XIMGABCOH^KKA [[[[[[[[[[[[[[[[[[[[[[[[[ogsb n akkhs/nkddkhbtbis
>. ^G_NBXRN
^G_NBX RN [[[[[[[[[[[[[[[[[[[[[[[[[sfkrtgai
[[[[[[[[[[[[[[[[[[[[[[[[[sfk rtgai bm suppcy
8. YVHKK^CYAR_ [[[[[[[[[[[[[[[[[[[[[[[[[ixpimsbvi
[[[[[[[[[[[[[[[[[[[[[[[[[ixp imsbvi liwics gmh aids
9. NHGKXKG^GABZ
NHGKXKG ^GABZ [[[[[[[[[[[[[[[[[[[[[[[[[og`bma
[[[[[[[[[[[[[[[[[[[[[[[[[og`b ma dgnfbmis

gssissdimt
Hbrintbkms < @bmhcy nfkksi tfi cittir ke tfi nkrrint gmswir. Imnbrnci ykur gmswir.

7. Xfi pfysbngc ieekrt ke tfi dgmpkwir tk prkhuni tfi prktintbvi hivbnis ke tfi erkmtcbmirs
hisnrbois wfbnf egntkr ke prkhuntbkm;

g) Cgmh n) Cgokr
o) Ngpbtgc h) Imtriprimiur
?. Xfi arigt bhigs gmh idktbkmgc hrbvi ke tfi prkhuntbkm dgmgairs bhigs tk prkhuni skditfbma tfgt
ktfir pikpci wbcc wgmt tk ouy hisnrbois wfbnf egntkr ke prkhuntbkm

g) Cgmh n) Cgokr
o) Ngpbtgc h) Imtriprimiur
>. Xfi nkdputirs ke tfi dgmgairs bm gm keebni gri wfgt `bmh ke akkhs kr prkhunts

g) nkmsudir akkhs
o) ibtfir g nkmsudir akkhs kr g ngpbtgc akkhs
n) ngpbtgc akkhs
h) inkmkdbn akkhs

8. Qfbnf oist hisnrbois Inkmkdbns gs g sknbgc gmh

gm h gm gppcbih snbimni;
g) tfi stuhy ke tfbmas wi miih tk survbvi
o) tfi stuhy ke fkw pikpci dg`i nfkbnis wfim tfiy gri egnih
wbtf gm umcbdbtih suppcy ke riskurnis
n) tfi stuhy ke fudgm oifgvbkr
h) tfi stuhy ke fkw pikpci dg`i nfkbnis wfim tfiy gri egnihegnih
wbtf g cbdbtih suppcy ke riskurnis

9. Xfi ekcckwbma gri ixgdpcis

ixgdpcis ke fudgm miihs
g) wgtir gmh g pcgni tk cbvi
o) ^tgroun`s Argmhi bnih ngrgdic dgnnfbgtk Ergppunnbmk
n) Ecgt snriim ticivbsbkm
h) gm bZfkmi gmh g nkdputir

9
 DKHYCI 7 MGXY_I GMH ^NKZI KE INKMKDBN^

Cit‒s sgy, bm nkmhuntbma ykur risigrnf, yku dgy kpt tk nkmsbhir stuhybma tfi inkmkdbn
sbtugtbkm ke tfi egdbcbis bm Dgmbcg. Xfi AG^ gmh GOD stuhimts dgy eknus km spinbebn tkpbns sunf
gs< tfi gmmugc bmnkdi ke egdbcbis0 ouybma oifgvbkur bm tfi dgr`it0 wfgt spinbebn btids gri
nkddkmcy purnfgsih ke tfisi egdbcbis gmh dgmy dkri. Xfi FYD^^ dbaft tg`i gm kvirgcc vbiw
gmh bmstigh, dgy nkmsbhir tfi imtbri inkmkdbn systid< wfgt ngusis tfi egdbcbis tk cbdbt tfibr
spimhbma ngpgobcbtbis0 wfgt imvbrkmdimtgc egntkrs strissis tfid erkd purnfgsbma tfibr
tfib r miihs gmh
wgmts0 kr wfgt dg`is tfid sgtbsebih bm tfibr ouybma oifgvbkur. Oktf gpprkgnfis gri usieuc, gmh
oktf ixgdbmi tfi sgdi, out tfi vbiwpkbmts gri hbeeirimt. Bm g sbdbcgr wgy, oktf dbnrkinkmkdbns
gmh dgnrkinkmkdbns stuhy tfi sgdi inkmkdy, out ignf fgs g hbeeirimt vbiwpkbmts.

Qfitfir yku gri ckk`bma gt tfi ouybma oifgvbkur ke tfi pikpci bm tfi dgr`it kr inkmkdbns,
tfi dbnrk gmh tfi dgnrk bmsbafts sfkuch ocimh wbtf ignf ktfir. Bm stuhybma tfi ouybma oifgvbkur
ke tfi pikpci, tfi dbnrk bmsbafts gokut pgrtbnucgr oifgvbkur gmh spimhbma fgobts ke tfi pikpci ficp
tfid umhirstgmh tfi kvirgcc inkmkdbn sbtugtbkm km bmhbvbhugc dgttirs, wfbci tfi dgnrk bmsbafts
gokut tfi kvirgcc inkmkdbn sbtugtbkm km tfi imtbri inkmkdy wfbnf ficp tk ixpcgbm tfi bmtirmgc gmh
ixtirmgc imvbrkmdimts, gs g wfkci.

Qfgt‒s bm

Cb`i bm ykur stuhy, wi ngm dg`i gm gssudptbkm ke kur rigc sbtugtbkm. Xkhgy,
tfi wfkci wkrch, bmncuhbma tfi Zfbcbppbmis, sueeirs erkd inkmkdbn prkocid hui
tk tfi ixbstimni ke wkrchwbhi NKUBH 72 Zgmhidbn. Dgmbcg, bm pgrtbnucgr, bs kmi ke tfi
dkst nbtbis bm tfi Zfbcbppbmis oibma geeintih oy tfi sgbh Zgmhidbn. Qi wgmt tk umhirstgmh
wfy sunf ngsi fgppims gmh fkw bt geeints tfi cbvis ke ivirykmi bm tfi inkmkdy. Gm

krhbmgry nbtbzim nkuch

fgvi ogn`arkumhs fgrhcy umhirstgmh
bm inkmkdbns. wfgtgs
Inkmkdbns, bs g
fgppimbma
sknbgc gmhbmgppcbih
tfi sknbity be fi
snbimni hkis
wbcc mkt
ixpcgbm
gmh ficp yku umhirstgmh wfgt bs rigccy fgppimbma bm tfi inkmkdy.

Cit‒s gmgcyzi tfi dgr`it imvbrkmdimts ke ykur ckngcbty .

Hbrintbkms< _igh ngrieuccy tfi stgtidimts. Imnbrnci ykur gmswir.
7. Gs g nbtbzim ke Dgmbcg, hitirdbmi wfbnf bs MKX X_YI ke tfi inkmkdbn gntbvbtbis
tfgt fgvi oiim kosirvih bm ykur ckngcbty
g) Ivirykmi fgs ixpirbimnih ouybma cbdbtih suppcy ke nkddkhbtbis
o) Ivirykmi fgs bmghiqugti suppcy ke fyabimbn dgtirbgcs gmh prktintbvi hivbnis
n) ^kdi nbtbzims fgvi sueeirih erkd nfgmais bm tfi pgmhidbn prktknkcs ke tfi
akvirmdimt
h) Xfi pikpci bm Dgmbcg fgvi eriicy imlkyih trgvicbma erkd kmi pcgni tk ktfir.
?. Qfbnf ke tfi ekcckwbma fgs MKX kosirvih bm tfi nkddumbty hurbma tfi INW bm tfi
sgdi ckngcbty;
g) Ivirykmi imlkyih sfkppbma bm tfi dgr`it
o) Ymidpckydimt bm tfi nkddumbty wgs sfgrpcy ixpirbimnih
n) Zrbnis ke nkddkhbtbis suhhimcy bmnrigsih
h) Xfi pikpci bm Dgmbcg wiri ricuntgmt ke tfi pgmhidbn prktknkcs.

Qfgt‒s miw (Bmtrkhuntbkm)

MGXY_I GMH ^NKZI KE INKMKDBN^

Inkmkdbns bs g ^KNBGC ^NBIMNI nkmnirmih wbtf tfi ixpcgmgtbkm gmh prihbntbkm
ke kosirvih pfimkdimg bm tfi sknbity. Inkmkdbns stuhbis tfi wgy bm tfi sknbitbis skcvi tfi
eumhgdimtgc prkocids ke rinkmnbcbma tfi umcbdbtih hisbris ke bmhbvbhugcs wbtf sngrnbty ke
riskurnis, susniptboci tk mudirkus gctirmgtbvi usis. Inkmkdbns bs gcsk gm GZZC GZZCBIHBIH
^NBIMNI oingusi bt usis tfi snbimtbebn ditfkh bm bts ixpcgmgtbkms, wfbnf nkmsbsts ke
kosirvbma rigcbty gmh prisimtbma quistbkms gmh prkocids tk grrbvi gt tfi ekrducgtbkm ke
tfikrbis gmh dkhics. Gs gm gppcbih snbimni, btbt ekcckws g systidgtbn prknihuri tk skcvi bssuis
gmh prkocids ke tfi sknbity.

5
 Qfgt bs Bt Hbsnussbkm)

XFI EBICH^ KE INKMKDBN^

Dbnrkinkmkdbns gmh dgnrkinkmkdbns gri twk hbeeirimt pirspintbvis km tfi inkmkdy.
*Dbnrkinkmkdbns< eknusis km tfi oifgvbkr ke bmhbvbhugc inkmkdbn umbts
gmh tfi eumntbkmbma ke dgr`its. Bts pirspintbvi eknusis km pgrts ke tfi inkmkdy<
bmhbvbhugcs, ebrds, gmh bmhustrbis.
*Dgnrkinkmkdbns< stuhbis tfi eumntbkmbma ke inkmkdbns gs gm gaariagti
(prkhuntbkm, idpckydimt). Bts pirspintbvi ckk`s gt tfi inkmkdy gs g wfkci, eknusbma km
akgcs cb`i prkhuntbkm, tfi stgmhgrh ke cbvbma, umidpckydimt gmh bmecgtbkm. Dgnrkinkmkdbns
fgs twk typis ke pkcbnbis ekr pursubma tfisi akgcs< dkmitgry pkcbny gmh ebsngc pkcbny.

Dbnrkinkmkdbns
•^tuhbis ke dgr`its ke Dgnrkinkmkdbns
akkh gmh sirvbnis •^tuhbis tfi inkmkdy gs g wfkci
•Eknusis ke tfi •Eknusis km gaariagti bmhbngtkrs
oifgvbkur ke bmhbvbhugc bm tfi dgr`it (sunf gs prkhuntbkm)
• Ixpcgbms fkw gmh wfy tfisi umbts
dg`i inkmkdbn hinbsbkms.

Ebauri 7.
7. Dbnrk vs Dgnrk Inkmkdb ns
Xfi Inkmkd
Inkmkd bn Gaimts/^tg`ifkchirs<
Gaimts/^tg`ifkchirs<
7. Nkmsudirs
• Nkmsudi akkhs gmh sirvbnis /keeir prkhuntbkm egntkrs
• Dgxbdbzi utbcbty

?. Zrkhunirs
• Zrkhuni akkhs / hidgmh prkhuntbvi egntkrs
• Dgxbdbzi prkebt
>. Xfi puocbn sintkrs
• Gttidpt tk dgxbdbzi tfi wicc-oibma ke sknbity

*Xfi gaimts bmtirgnt gdkma tfidsicvis bm g spinbebn tirrbtkrbgc, sknbgc, mgturgc

gmh/kr nucturgc ergdiwkr` tfgt hitirdbmis tfibr ricgtbkmsfbps ↟ Dgr`it

OG ^BNXI_D^ XK YMHI_^XGMH
YMHI_^XGMH INKMKDBN^
Bt bs issimtbgc tfgt yku egdbcbgrbzi ykursice wbtf tfi stuhy ke inkmkdbns. Xfbs
wbcc egnbcbtgti ykur umhirstgmhbma ke inkmkdbn gmgcysbs. ^pinbebngccy yku diit AKKH^ „
wfbnf ybichs tk ykur sgtbsegntbkm. Bt bs gmytfbma usih tk sgtbsey ykur wgmts gmh miihs.

BMXGMABOCI AKKH^ „ wfim tfiy gri

XGMABOCI AKKH^ „dgtirbgc
akkhs kr nkddkhbtbis. bm tfi ekrd ke sirvbnis. Xfksi
rimhirih oy hkntkrs, imabmiirs,
Ix
Ix.. Og
Og s ok
okk`
k`ss nc
nckt
ktfi
fis.
s. hkntkrs gmh ktfir prkeissbkmgcs
Akkhs dgy gcsk oi ncgssbebih gnnkrhbma tk usi.
NKM^YDI_^ AKKH^ „ akkhs ekr tfi NGZBXGC AKKH
NGZBXGC AKKH^ ^ kr BM BMHY^
HY^X_B
X_BGCGC AKK
AKKH H
uctbdgti nkmsudptbkm ke tfi nkmsudirs. usih bm tfi
Ix.< tkktfpgsti, ogtf skgp, itn. prkhuntbkm ke
ktfir akkhs gmh
sirvbnis.
Ix.< oubchbmas,
dgnfbmiry,
fttps<//bmt.sigrnf.dywgy.nkd/sigrnf/GLbdgai.lftdc
iqubpdimt. fttps<//bmt.sigrnf.dywgy.nkd/sigrnf/GLbdgai.l

1
 I^^IMXBGC AKKH^- usih tk sgtbsey CYVY_R
tfi ogsbn miihs ke dgm AKKH^ „
akkhs dgm
dgy hk
wbtfkut, out
dgy abvi
nkdekrt gmh
I ixgdpci< ekkhs gmh dihbnbmi. sgtbsegntbkm. Ix.
Ix.,, pireu
pireudi,
di, ng`is0
ng`is0 nfknkc
nfknkcgti
gti
fttps<//bmt.sigrnf.dywgy.nkd/sigrnf
fttps<//bmt.sigrnf.dywgy.nkd/sigrnf/GLbdgai.lftd
/GLbdgai.lftd ixpimsbvi ngrs.
fttps<//bmt.sigrnf.dywgy.nkd/sigrnf/GLbdgai.lftd fttps<//bmt.sigrnf.dywgy.nkd/sigrnf/GLbdgai.lftdc
INKMKDBN AKKH^ „akkhs wfbnf gri usieuc
gmh sngrni0 wbtf vgcui gttgnfih tk tfid
gmh g prbni fgs tk oi pgbh ekr tfibr usi. Be g akkh
sk goumhgmt gmh bt ngm sgtbsey
ivirykmi‒s miihs wbtfkut gmyokhy pgybma ekr bt,
tfim, tfgt akkh bs erii. Xfi gbr bs erii, out
tfi gbr erkd gm gbrnkm bs gm inkmkdbn akkh.
fttps<//bmt.sigrnf.dywgy.nkd/sigrnf/GLbdgai.lftdc
Ebauri ?<
?< @bmhs ke Akkhs

INKMKDBN _I^KY_NI^ K_ EGNXK_^

Inkmkdbn riskurnis gri tfi egntkrs ke prkhuntbkm ekr akkhs gmh sirvbnis. Xfi
egntkrs ke prkhuntbkm gri bmputs nkdobmgtbkms bm tfi prkhuntbkm ke akkhs gmh sirvbnis tk
dg`i gm inkmkdbn prkebt ekr tfi ebrds. Xfisi egntkrs ke prkhuntbkm gri cgmh, cgokr, ngpbtgc,
gmh imtriprimiursfbp. _iskurnis gri cbdbtih bm mgturi, out fudgm wgmts gmh miihs gri
umcbdbtih, tfus, gm ieebnbimt gcckngtbkm ke tfisi riskurnis kr egntkrs ke prkhuntbkm bs g oba
nfgccimai ekr iviry inkmkdy. Inkmkdbns gcsk ficps tfi imtriprimiurs gmh tfi inkmkdy
tk gcckngti riskurnis bm tfi prkhuntbkm ke suppcbis tk diit tfi hidgmhs ke tfi nkmsudirs.

Cgmh gs g Egntkr
Egntkr ke Zrkhuntb km Cgokr gs g Egntkr
Egntkr ke Zrkhun tbkm

Cgmh - mgturgc Cgokr bs tfi wkr` hkmi oy pikpci- ihungtbkm, s`bccs, gmh
riskurnis dktbvgtbkm gmh prkhuntbvbty. Zrkhuntbvbty digsuris fkw
gvgbcgoci tk dunf ignf fkur ke wkr`ir tbdi prkhunis bm kutput.
nrigti suppcy Qkr`ekrni rinibvis wgai ekr fbs cgokr.
sunf gs rgw
dgtirbgcs tfgt
nkdis erkd
tfi arkumh. Bt
ngm oi g mkm-
rimiwgoci
riskurni0
nkddkhbtbis
www.stuhy.nkd
sunf gs kbc gmh akch0 gmh rimiwgoci
riskurni, sunf gs tbdoir. Kbc bs g mgturgc
riskurni, out pitrkciud ags bs g ngpbtgc
akkh. Egrdcgmh bs g mgturgc riskurni, out g
Bstkn`pfktk.nkd
sfkppbma nimtir bs g ngpbtgc akkh. (Gdghik,
`. ?:72)

Ngpbtgc
Ngpbtgc gs g Egntkr
Egntkr ke Zrkhunt bkm Imtriprimi
Imtriprimiursfbp
ursfbp gs g Egntkr
Egntkr ke Zrkhuntb km

Ngpbtgc Imtriprimiursfbp hivickps gm bhig bmtk g ousbmiss. Gm

kr imtriprimiur nkdobmis tfi ktfir tfrii egntkrs ke
ngpbtgc prkhuntbkm tk ghh tk suppcy. Xfi dkst sunnisseuc
akkhs imtriprimiurs gri bmmkvgtbvi gmh rbs`-tg`irs. Xfi bmnkdi
gri imtriprimiurs igrm bs prkebts.
ngpbtgc „
tfi
dkmiy
tfgt
nkdpgmbis usih tk ouy riskurnis0 dgm-
dghi kolints cb`i dgnfbmiry, iqubpdimt,
gmh nfidbngcs tfgt gri usih bm prkhuntbkm.
Ekr ixgdpci, ngpbtgc akkhs bmncuhi bmhustrbgc
gmh nkddirnbgc oubchbmas. G nkddirnbgc
fttps<//bmt.sigrnf.dywgy.nkd/sigrnf/GLbdgai.lftdc
gbrnrget bs ixgdpci ke g ngpbtgc akkh.
fttps<//www.dgr`it-bmspintkr.nk.u`/ocka/?:71/:7/7:-ogsbn-
keebni-iqubpdimt-ekr-stgrtbma-g-ousbmiss
Ebauri ><
>< _iskurnis
_iskurnis ke Zrkhuntbkm gmh Nfgrgnti
Nfgrgntirbst
rbst bns

6
Nfgrgntirbstbns
Nfgrgntirbstbns ke _iskurnis<

7. ^ngrnbty<< bmsueebnbimt riskurnis tk suppcy gcc tfi hisbris gmh miihs ke bmhbvbhugcs.
7.^ngrnbty
Bm tfi prkhuntbkm ke akkhs gmh sirvbnis0 tfiri gri bssuis tfgt inkmkdbns dgy imnkumtir< tfisi
bmncuhi< ekr Cgmh „ bmghiqugti cgmh gmh mgturgc riskurnis0 pkccutih grigs0 kvirnrkwhih
spgnis0 ekr Cgokr „ ums`bccih wkr`ekrni0 dbsdgtnf ke lkos0 ekr ngpbtgc - ckw qugcbty ke
mis0 bmsueebnbimt eumh/ngpbtgc0 gmh ekr imtriprimiursfbp „ Bmghiqugti trgbmbma
iqubpdimt/dgnfbmis0
iqubpdimt/dgnfb
ke imtriprimiurs, cbdbtih kppkrtumbty, sngrnbty ke arigt bhigs out dgmy nkdpitbtkrs bm tfi
dgr`it.

?.Ductbpci usi< _iskurnis ngm fgvi dkri tfgm kmi pkssboci usi. Ekr ixgdpci, g pckt ke
?.Ductbpci
cgmh ngm oi usih tk pcgmt nkeeii kr tk oubch g egntkry.
>.Zgrtbgccy ripcgnigoci<
>.Zgrtbgccy ripcgnigoci< kmi riskurni ngm ripcgni gmktfir bm tfi prkhuntbkm ke g akkh kr
sirvbni (i.a., ripcgni dgmugc cgokr wbtf tinfmkckay).

^ngrni riskurnis gmh umcbdbtih hisbris ↟ ^ngrnbty

^ngrnbty gmh gctirmgtbvi usis ↟ Nfkbni
Nfkbni ↟ Kppkrtumbty nkst

Qfgt‒s kri
Zcigsi pirekrd bmhipimhimtcy.
bmhipimhimtcy. Imlky gmswirbma!
gmswirbma!

Gntbvbty mk. 7 NCG

NCG^^BEBNGXBKM^
^^BEBNGXBKM^ KE AKKH^
AKKH^

Hbrintbkms<< Zbn` gcc tfi akkhs gmh ncgssbey tfid gnnkrhbmacy. Rkur dktfir wimt tk tfi
Hbrintbkms
dgr`it tk sfkp vgrbkus akkhs ekr tfi egdbcy. ^fi purnfgsih tfi ekcckwbma< ngmmih akkhs0
ckge ke origh0 sgn`s ke rbni0 `bcks ke digt0 viaitgocis0 pgn`s ke tkktfpgsti0 ogtf skgps0
pireudis0 wrbst wgtnfis0 umbt ke gbrnkm tk vimtbcgti fir stkri gmh umbts ke nkeeii dg`ir ekr
fir stkri.

Nkmsudirr akkhs
Nkmsudi Cuxury akkhs

Bmhustrbgcc akkhs
Bmhustrbg Inkmkdbn akkhs

Issimtbgc
Issimtbgc akkhs

Arigt! Rku‒ri hkmi gmswirbma tfi gntbvbty Cit us gssiss dkri ykur umhirstgmhbma!

G^II^^DIMX (Zbnturi Gmgcysbs)

Hbrintbkms< ^tbcc, pcigsi hk tfbs bmhipimhimtcy.
Xfi pbnturi sfkws tfi hbeeirimt egntkrs bm tfi prkhuntbkm ke akkhs. Xfbs wbcc ficp yku oinkdi nrigtbvi
bm ykur gmgcysbs km tfi gppcbngtbkm ke riskurnis yku miih bm tfi prkhuntbkm ke akkhs tfgt gri dkst
miihih bm tfi sknbity. Zcigsi hitirdbmi tfi riskurnis.

>
?

2
 Bdgai oy Orbgmmg Abcdgrtbm © Xfi Ogcgmni ?:72
fttps<//www.tfiogcgmni.nkd/egntkrs-ke
fttps<//www.tfiogcgmni.nkd/egntkrs-ke-prkhuntbkm-tf
-prkhuntbkm-tfi-8-typis-gmh-w
i-8-typis-gmh-wfk-kwms-tfid-
fk-kwms-tfid-
8:89?5?

Qfgt B Fgvi Cigrmih

Cigrmih

Dbnrkinkmkdbns gmh dgnrkinkmkdbns gri twk hbeeirimt

pirspintbvis km tfi inkmkdy. Xfi dbnrkinkmkdbn pirspintbvi 7) stuhbis tfi oifgvbkr ke
bmhbvbhugc inkmkdbn umbts0 ?) stuhbis tfi eumntbkmbma ke dgr`its >) eknusis km pgrts ke tfi
inkmkdy< bmhbvbhugcs, ebrds, gmh bmhustrbis. Xfi dgnrkinkmkdbn pirspintbvi 7) ckk`s gt tfi
inkmkdy gs g wfkci gmh ?) eknusbma km akgcs cb`i prkhuntbkms0 stgmhgrh ke cbvbma,
umidpckydimt, gmh bmecgtbkm. Dgnrkinkmkdbns fgs twk typis ke pkcbnbis ekr pursubma tfisi
akgcs< dkmitgry pkcbny gmh ebsngc pkcbny.

Bm tfi
imnkumtir< prkhuntbkm
tfisi bmncuhi< ke
cgmhakkhs gmh sirvbnis0
„ bmghiqugti cgmh tfiri gri egntkrs
gmh mgturgc tfgt inkmkdbns
riskurnis0 dgy
pkccutih grigs0
kvirnrkwhih spgnis0 cgokr „ ums`bccih wkr`ekrni0 dbsdgtnf ke lkos0 ngpbtgc - ckw qugcbty ke
iqubpdimt/dgnfbmis0
iqubpdimt/dgnfbm is0 bmsueebnbimt eumh/ngpbtgc0 gmh imtriprimiursfbp „ bmghiqugti trgbmbma
ke imtriprimiurs0 cbdbtih kppkrtumbty0 sngrnbty ke arigt bhigs out sivirgc nkdpitbtkrs bm tfi
dgr`it.

• Inkmkdbns fgs twk ebichs< dbnrk gmh dgnrkinkmkdbns.

[[[[[[[[[[[[[[
[[[[[[[ [[[[[[[[[[[
[[[[ stuhy ke dgr`its ke akkh gmh sirvbnis gmh eknusis km tfi
oifgvbkur ke bmhbvbhugc km prkhunts gmh sirvbnis bm tfi dgr`it
wfbci[[[[[[[[[[[[[[[[[[[[[[[[[ higcs wbtf tfi stuhy ke tfi inkmkdy gs g wfkci
gmh eknusis km gaariagti bmhbngtkrs sunf gs [[[[[[[[[[[[[[[0
[[[[[[[[[[[[[[[[[[[[0 [[[[[[[[[[[[[[[[[[[.
[[[[[[[[[[[[[[[ [[[[.
• Xfi Ncgssbebngtbkm ke akkhs<

[[[[[[[[[[[[[[[[[[0[[[[
[[[[[[[[[[[[[[ [[[[0[[[[[[[[[[
[[[[[[[[[[[[[[
[[[[[[[[[[0[[[[
[[0[[[[[[[[[[[
[[[[[[[[0[[[[[
[0[[[[[[[[[[[[[[
[[[[[[[[[
• Xfiri gri ekur egntkrs ke prkhuntbkm kr tfi riskurnis miihih tk prkhuni
prkhunts gmh sirvbnis<
[[[[[[[[[[[[[[
[[[[[[[ [[[[[[[[[0[[[[[
[[0[[[[[[[[[[[[
[[[[[[[[[[[[[0[
[[[[[[0[[[[[[[[[
[[[[[[[[[[[[[[
[[[[[[0[[[[[[[
0[[[[[[[[[[[[[.
[[[[[[.
• Miihs gmh wgmts gri [[[[[[[[[[[[[[[[[[wfbci riskurnis gri
[[[[[[[[[[[[[.
[[[[[[[ [[[[[[.
• Xfiri gri ktfir bssuis gmh prkocids km tfi prkhuntbkm ke akkhs gmh sirvbnis
ricgtih tk riskurnis.[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[.

Qfgt B Miih tk _iecint

Xkhgy, wi gri bm g miw mkrdgc wgy ke cbvbma, g viry hbeeirimt kmi erkd wgy wi fgvi
cbvih ekr sivirgc yigrs. Bt‒s oingusi ivirykmi fgs tfgt eigr ke tfi NKUBH 72 tfgt dbaft ngusi

us erkd figctf gmh inkmkdbn bssuis. Ivirykmi, tfiriekri, fgs tk oi viry rispkmsboci bm fbs
oifgvbkrs bm tfi dgr`it0 gmh oinkdi ieebnbimt bm fbs nkmsudptbkm0 erbimhcy tk tfi imvbrkmdimt
kr tfi mgturgc riskurnis gs tfisi dgy oinkdi sngrni bm tfi euturi. Ivirykmi dust oinkdi
gwgri ke tfi dbnrk gmh dgnrk civics ke tfi imvbrkmdimt gmh nkmtrbouti tk tfi arkwtf ke kur
inkmkdy.
Hbh yku ebmh kur tkpbn imlkygoci gmh bmtiristbma; Qrbti skditfbma gokut. Rku dgy
usi tfi okx oickw.

QFGX B NGM HK
Gntbvbty 7
7:
 Hbrintbkms< Xfbs nfgrt riprisimts tfi inkmkdbn riskurnis bm tfi prkhuntbkm ke
akkhs gmh sirvbnis oy tfi GOD Nkdputir ^fkp ckngtih bm Dgmbcg. 7) @bmhcy rinkambzi
ignf riskurni. ?) Abvi kmi ixgdpci ke ignf riskurni tfgt tfi nkdputir sfkp miihs ekr
tfi prkhuntbkm ke bts sirvbnis. Nfkbnis gri prkvbhih oickw tfi nfgrt.

_I^KY_NI^ KE Z_KHYNXBKM

Gcc mgturgc riskurnis, wfbnf gri abvim oy

gmh ekumh bm mgturi, gmh gri, tfiriekri,
mkt dgmdghi.

Gmy ekrd ke fudgm ieekrt ixirtih bm tfi

prkhuntbkm ke akkhs gmh sirvbnis.

Dgm-dghi akkhs usih bm tfi prkhuntbkm ke akkhs gmh

sirvbnis. Bt hkis mkt kmcy bmncuhi dkmiy, bt gcsk bmncuhis
oubchbma, dgnfbmirbis, iqubpdimt‒s, rgw dgtirbgcs usih bm
prkhuntbkm

Hivickpdimt ke gm bhig bmtk g ousbmiss. Gm imtriprimiur nkdobmis tfi

ktfir tfrii egntkrs ke prkhuntbkm tk ghh tk suppcy

Nfkbnis ekr Mk 7. Imtriprimiursfbp0 Cgmh0 Ngpbtgc0 Cgokr

Nfkbnis ekr Mk. ? Dgmpkwir0 spgni0 arigt bhig0 nkdputir

Gntbvbty Mk ? BHIMXBEBNGXBKM
Hbrintbkms< _igh tfi stgtidimts ngrieuccy gmh bhimtbey tfi ee<

g) Xfi GOD Dgmuegnturbma Nk. fbrih g agrhimir. Fi usis g cgwm

dkwir ekr cgmhsngpbma. Qfbnf egntkr ke prkhuntbkm wkuch yku nkmsbhir
tfbs dgnfbmi;
[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[
[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[ [[[[[[[
o) Xfi kwmir ke tfi nkdpgmy wbtfhriw ngsf ekr tfi sgcgrbis ke tfi
idpckyiis. Qfbnf egntkr ke prkhuntbkm wkuch yku nkmsbhir ngsf km fgmh;
[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[
n) Xfi tkp dgmgair ke tfi ebrd sgbh –tfi arigt bhigs gmh idktbkmgc
hitirdbmgtbkm—, g pirskm fgs tk prkhuni skditfbma tfgt nkmsudirs
wgmt tk ouy— bs viry bdpkrtgmt ekr tfi nkdpgmy. Qfgt egntkr ke
prkhuntbkm hisnrbois tfi gobcbty tk nrigti arigt bhigs;
[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[

h) Xfi egrdirs pcgmtih pbmigppci nuttbmas bm tfi vgngmt grig ckngtih bm

tfibr ckngcbty. Qfbnf egntkr ke prkhuntbkm wkuch yku nkmsbhir g
pbmigppci pcgmtgtbkm;
[[[[[[[[[[[[[[
[[[[[[[[[[[[[[[[[[[[[
[[[[[[[[[[[[[[
[[[[[[[[[[[[[[
[[[[[[[[[[[[[[[
[[[[[[[[[
[
fttps<//qubzbzz.nkd/ghdbm/qubz/9o1958e:heh7?i::728882o2/egntkrs-ke-prkhuntbkm
fttps<//bmt.sigrnf.dywgy.nkd/sigrnf/GLbdgai.lftdc;
fttp<//www.gckfg-fgwgbb.nkd/kgfu/hkci-pcgmtgtbkm/

77
Mgdi[[[[[[[[[[[[[[
Mgdi[[[[[[[[[[[[[[[[[[[[[
[[[[[[[[[[[[[[[
[[[[[[[[[[[[[[
[[[[[[Rigr/^int
Rigr/^intbk
bk m[[[[[[[[[[[[[[[[[
m[[[[[[[[[[[[[[[[[Hgti[[[[[[
Hgti[[[[[[

Xignfir [[[[[[[[[[[[[
[[[[[[[[[[[[[[[[[[[
[[[[[[[[[[[[
[[[[[[[[[[[[[
[[[[[[[[[^nfk
[[^nfk kc [[[[[[[[[[[[[
[[[[[[[[[[[[[[[[[[[
[[[[[[[[[[[[[
[[[[[[[[[[[[
[[[[[

Gssissdimt
Gssissdimt (Ductbpci Nfkbni )
Hbrintbkms< Nfkksi tfi
tfi cittir ke tfi nkrrint gmswir.
gmswir. Imnbrnci ykur
ykur gmswir.

7. Drs Mimbtg Hi L Lisus

isus purnfgsih ogsbn akkhs cb`i viaitgocis gmh arknirbis ekr tfi
nkmsudptbkm ke fir egdbcy. Xfisi akkhs gri<
g. Nkmsudirs akkhs n. Cuxury Akkhs
o. Ngpbtgc Akkhs h. Inkmkdbn Akkhs

?. Dr. Himmbs Icingmgc purnfgsih miw ngr gs g abet ekr fbs egtfir‒s obrtfhgy. Xfbs akkh bs
g. Nkmsudirs Akkh n. Ngpbtgc Akkh
o. Cuxury Akkh h. Inkmkdbn Akkh

>. GOD Nkd

Nkdputir
putir sfkp purnfgsih
purnfgsih ghhbtbkmgc 7: umbts ke nkdputir ekr tfi ousbmiss.
g. Nkmsudirs akkhs n. Ngpbtgc Akkhs
o. Cuxury Akkhs h. Inkmkdbn Akkhs

8. Qfbnf bs mkt nkmsbhirih gs tgmaboci akkh;

g. Nicc pfkmi n. ^gn` ke rbni
o. Dgs` h. Xrgbmbma sirvbni

9. Qfbnf bs trui gokut Inkmkdbns gs g sknbgc snbimni;

snbimni;
g) ^ngrni riskurnis gmh cbdbtih miihs hrbvi nfkbni
o) Inkmkdbns ixpcgbms gmh prihbnts inkmkdbn ivimts
n) Xfi snbimtbebn ditfkh bs ogsih km tfi mkrdgtbvi gmgcysbs
h) Inkmkdbn fypktfisis cigh hbrintcy tk prihbntbkms

5. Qfbnf bs trui km tfi vgcui ke gm inkmkdbn tfikry bm prgntbni; Bt bs hitirdbmih oy

g. fkw gnnurgti tfi gssudptbkms gri.
o. fkw wicc tfi tfikry ngm oi riprisimtih oy g argpf.
n. fkw wicc tfi tfikry ngm prihbnt kr ixpcgbm.
h. fkw pgrsbdkmbkus tfi dkhic bs.

1. Qfbnf ke tfi ekcckwbma bs tfi stuhy ke tfi gaariagti inkmkdy stuhbih gs g wfkci;
g. Dgtfidgtbngc inkmkdbns
o. Inkmkditrbns
n. Dgnrkinkmkdbns
h. Dbnrkinkmkdbns

6. Ousbmiss itfbns rieirs tk gmy oifgvbkr oy ousbmissis tfgt dgy

g. oi bcciagc.

o. vbkcgti sknbgc kr dkrgc stgmhgrhs.

n. risuct bm tfi dgxbdbzgtbkm ke prkebts.
h. Gcc ke tfi gokvi.

2. Ousbmissis fgvi rispkmhih tk bmnimtbvis ekr itfbngc oifgvbkr oy hkbma GCC ixnipt
g. ckooybma ekr tfi gokcbtbkm ke cgws tfgt riqubri itfbngc oifgvbkr.
o. gppkbmtbma –itfbns keebnirs— tk imsuri tfgt idpckyiis oifgvi bm gm itfbngc dgmmir.
n. prkvbhbma trgbmbma sissbkms bm itfbngc oifgvbkr ekr idpckyiis.
h. istgocbsfbma nkhis ke itfbngc oifgvbkr ekr idpckyiis.

7:. Qfbnf ke tfi ekcckwbma bs mkt gm inkmkdbn gaimt bm ykur ckngcbty;

g. Zrkhunir
o. Nkmsudir
n. Zuocbn ^intkr
h. Mkmi ke GON
fttps<//www.stgamisfs.kra/kurpgais/gutk/?:79/8/?9/88>9>7?9/Ymbt%
fttps<//www.stgamisfs.kra/kurpgais/gutk/?:79/8/?9/88>9>7?9/Ymbt%?:7%?:Gmswir%?
?:7%?:Gmswir%?:@iy.phe
:@iy.phe
fttps<//stuhy.nkd/gnghidy/prgntbni/qubz-wkr`sfiit-ekur-egntkrs-ke-prkhuntbkm.ftdc
fttps<//ackogc.kup.nkd/us/nkdpgmbkm.wiosbtis/216:722677165/stuhimt/nfgpt7/ductbpcinfkbni
f ttps<//qubzbzz.nkd/ghdbm/qubz/9o1958e:h
ttps<//qubzbzz.nkd/ghdbm/qubz/9o1958e:heh7?i::728882o2/egntkrs-ke-prkhuntbkm
eh7?i::728882o2/egntkrs-ke-prkhuntbkm

7?
Mgdi[[[[[[[[[[[[[[
Mgdi[[[[[[[[[[[[[[[[[[[[[
[[[[[[[[[[[[[[
[[[[[[[[[[[[[
[[[[[[[Rigr/^int
[Rigr/^intbk
bk m[[[[[[[[[[[[[[[[
m[[[[[[[[[[[[[[[[[[[Hgti[[[[[[
[[[Hgti[[[[[[

Xignfir [[[[[[[[[[[[[
[[[[[[[[[[[[[[[[[[[
[[[[[[[[[[[[
[[[[[[[[[[[[[
[[[[[[[[[^nfk
[[^nfk kc [[[[[[[[[[[[[[[
[[[[[[[[[[[[[[[[[[[[[[
[[[[[[[[[[[[[[
[[[[[[[[[[
[[[

Qkr`sfiit

Cit‒s hk tfbs ghhbtbkmgc gntbvbty Mk. 7. Fgvi eum gmswirbma!

Hbrintbkms< Cbstih oickw gri tfi riskurnis ekr prkhuntbkm ke akkhs gmh sirvbnis. Zcigsi
cbst hkwm tfi inkmkdbn bssuis tk ignf riskurni ke prkhuntbkm tfgt dgy fgrd tfi
inkmkdy. Nfkksi ykur gmswir erkd tfi okx oickw. Rku dgy nkccgokrgti wbtf egdbcy
gmh erbimhs bm gnnkdpcbsfbma tfi argpfbn kragmbzir.

Cgmh
Cgokr
[[[[[[[[[[[[[[[[[
[[[[[[[[[[[[[[

_iskurnis ke
Ngpbtgc Zrkhuntbkm Imtriprimiursfb p
[[[[[[[[[[[[[
[[[[[[[[[[[[[
[[[[[[[[[[[[

*bmghiqugti cgmh gmh mgturgc riskurnis0 pkccutih grigs0 kvirnrkwhih spgnis

*ums`bccih wkr`ekrni0 dbsdgtnf ke lkos
*ckw qugcbty ke iqubpdimt/dgnfbmis0
iq ubpdimt/dgnfbmis0 bmsueebnbimt eumh/ngpbtgc0
*imtriprimiursfbp „ bmghiqugti trgbmbma ke imtriprimiurs0 mk miw gmh arigt bhigs

Gntbvbty Mk. ? Hbrintbkms

Hbrintbkms<< Ngtiakrbzi tfi nfgrgntirbstbns ke dbnrkinkmkdbns gmh
dgnrkinkmkdbns usbma tfi hbgargd oickw. Xfbs wbcc imfgmni ykur nrigtbvbty tk skcvi bssuis
bm tfi euturi.
* ^tuhbis tfi oifgvbkr ke bmhbvbhugc inkmkdbn umbts0
* Eknusis ke tfi oifgvbkur ke bmhbvbhugc bm tfi dgr`it
* Eknusis km pgrts ke tfi inkmkdy< bmhbvbhugcs, ebrds, gmh bmhustrbis0
*^tuhbis tfi inkmkdy gs g wfkci
* Eknusis km akgcs cb`i prkhuntbkms stgmhgrh ke cbvbma, umidpckydimt gmh bmecgtbkm.
* Zkcbnbis gri eknusih km dkmitgry pkcbny gmh ebsngc pkcbny.
*^tuhbis ke dgr`its ke akkh gmh sirvbnis

Xfi Inkmkdy

Dbnrkinkmkdbns Dgnrkinkmkdbns

7. 7.

?. ?

>. >.

7>
2
 Gmswir @iy

Qfgt B @mkw
@mkw
7. Dbnrk Inkmkdbns 8. Cuxury akkhs
?. Xgmaboci akkhs 9. Ngpbtgc akkhs
>. ^ngrnbty
Gssissdimt
7. N 8. H
?. H 9. G
>. N
Qfgt Bm
Gmswir< 7) H ?) H

Qfgt‒s Dkri
Gntb
Gn tb vb ty 7
7. Issimtbgc akkhs< Ngmmih akkhs, origh, sgn`s ke rbni, digt, viaitgocis
?. Nkmsudir akkhs< tkktfpgsti, ogtf skgps
>. Cuxury Akkhs< pireudis, wrbst wgtnf
8. Bmhustrbgc akkhs< umbt nkeeii dg`ir
9. Inkmkdbn Akkhs< umbt ke gbr-nkmhbtbkmbma
Gssissdimt 7
7. Cgmh >. Ngpbtgc
?. Cgokr 8. Imtriprimiursfbp
Qfgt B fgvi cigrmihcigrmih
7. Dbnrk Inkmkdbns, Dgnrk Inkmkdbns
?. Zrkhuntbkms, stgmhgrh ke cbvbma, idpckydimt, gmh bmecgtbkm (bm gmy krhir)
>. Cgmh, cgokur, ngpbtgc, imtriprimiursfbp (bm gmy krhir)
8. Ymcbdbtih0 cbdbtih
Qfgt B ngm hk
Gntb
Gn tb vb ty Mk. 7
7. Cgmh - spgni >. Ngpbtgc „nkdputirs
„nkdputirs
?. Cgokr „ „dgmpkwir
dgmpkwir 8. Imtriprimiursfb
Imtriprimiursfbp-
p- arigt bhigs
Gntb
Gn tb vb ty Mk ?
g) Ngpbtgc n) Imtriprimiursfbp
o) Ngpbtgc h) Cgmh
Gssissdimt
Ductbpci Nfkbnis
7. G 9. O 2. G
?. O 5. N 7:. H
>. N 1. N
8. H 6. O
QK_@^FIIX
QK_@^F IIX
Gn tv bt y 7 .
7. Cgmh „ bmghiqugti cgmh gmh mgturgc riskurnis0 pkccutih grigs0 kvirnrkwhih spgnis
?. Cgokr „ ums`bccih wkr`ekrni0 dbsdgtnf ke lkos
>. Ngpbtgc „ ckw qugcbty ke iqubpdimt/dgnfbmis0 bmsueebnbimt eumh/ngpbtgc0
8. Imtriprimiursfbp „ Bmghiqugti trgbmbma ke imtriprimiurs0 mk miw kr arigt bhigs
Gn tb vb ty ?.
Gntb
Dbnrkinkmkdbns
7. ^tuhbis ke dgr`its ke akkh gmh sirvbnis
?. Eknusis ke tfi oifgvbkur ke bmhbvbhugc bm tfi dgr`it
>. Eknusis km pgrts ke tfi inkmkdy< bmhbvbhugcs, ebrds, gmh bmhustrbis.
Dgnrkinkmkdbns
7. ^tuhbis tfi inkmkdy gs g wfkci
?. Eknusis km gaariagti bmhbngtkrs sunf gs prkhuntbkm, idpckydimt, bmecgtbkm0 stgmhgrh ke
cbvbma0 cbdbtih kppkrtumbtbis0 nkdpitbtkrs bm tfi dgr`it
>. Zkcbnbis gri eknusih km dkmitgry pkcbny gmh ebsngc pkcbny.
78
 7:
_ieirimnis

Gr tb nc is<
Imrbquiz, F N (?:?:). Ogsbn Inkmkdbn Zrkocids ke tfi Nkumtry. _itrbivih km Lumi :7 ?:??: erkd
fttps<//www.scbhisfgri.mit/FgmmgfNuccim/cisskm->-ogsbn-inkmkdbn-prkocids

Dkcbmg, L. G. & Mghgc, A. L B (?:?:) Nkmnipt gmh ^nkpi ke Inkmkdbns. _itrbivih km Lumi :7 ?:?:
erkd fttp<//pirskmgc.umbzgr.is/lgdkcbmg/Ymbt7.phe
fttp<//pirskmgc.umbzgr.is/lgdkcbmg/Ymbt7.phe

Mkwgnzy`, L. (?:?:). Ekur Egntkrs ke Zrkhuntbkm< Cgmh, Cgokr, Ngpbtgc & Imtriprimiursfbp
_itrbivih km Lumi k7 ?:?: erkd fttps<//stuhy.nkd/gnghidy/cisskm/ekur-egntkrs-ke-
fttps<//stuhy.nkd/gnghidy/cisskm/ekur-egntkrs-ke-
prkhuntbkm-cgmh-cgokr-ngpbtgc-imtriprimiursfbp.ftdc

Zritty, M (?:?:). Ogsbn tirds bm Inkmkdbns. _itrbivih km Lumi k7 ?:?: erkd

fttps<//www.scbhisfgri.mit/mb`spritty/ogsbn-tirds-bm-inkmkdbn

Zkrtbcck I.E (?:71). Ogsbn tirds bm Inkmkdbns ritrbivih km Lumi :7 ?:?: erkd
fttps<//www.scbhisfgri.mit/imgpkrtbcck7>/ogsbn-tirds-bm-inkmkdbns

Qiosbtis<
fttps<//stuhy.nkd/gnghidy/cisskm/ekur-egntkrs-ke-prk
fttps<//stuhy.nkd/gnghidy/cisskm/ekur-egntkrs-ke-prkhuntbkm-cgmh-cgokr-ngpbtgc-imtriprimiursfbp.ftdc
huntbkm-cgmh-cgokr-ngpbtgc-imtriprimiursfbp.ftdc
fttps<//h>tc6:fy5t9tky.nckuherkmt.mit/wp-nkmtimt/upckghs/sbtis/8/?:7?/:2/:5:9?:76/^bx-D.pma
fttps<//ackogc.kup.nkd/us/nkdpgmbkm.wiosbtis/216:722677165/stuhimt/nfgpt7/ductbpcinfkbni
fttps<//www.tfiogcgmni.nkd/egntkrs-ke-prkhuntbkm-tfi-8-typis-gmh-wfk-kwms-tfid-8:89?5?
fttps<//www.dgr`it-bmspintkr.n
fttps<//www.dgr`it-bmspintkr.nk.u`/ocka/?:71
k.u`/ocka/?:71/:7/7:-ogsbn-
/:7/7:-ogsbn-keebni-iqubpdi
keebni-iqubpdimt-ekr-stgrtbma-g
mt-ekr-stgrtbma-g-ousbmiss
-ousbmiss
fttps<//qubzbzz.nkd/ghdbm/qubz/9o1958e:heh7?i::728882o2/egntkrs-ke-prkhuntbkm
fttps<//stuhy.nkd/gnghidy/prgntbn
fttps<//stuhy.nkd/gnghidy/prgntbni/qubz-wkr`sfiit-ekur-egn
i/qubz-wkr`sfiit-ekur-egntkrs-ke-prkhuntbkm.
tkrs-ke-prkhuntbkm.ftdc
ftdc
fttps<//bmt.sigrnf.dywgy.nk
fttps<//bmt.sigrnf.dywgy.nkd/sigrnf/GL
d/sigrnf/GLbdgai.lftdc;
bdgai.lftdc;
fttps<//bmt.sigrnf.to.gs`.nkd/sigrnf/GLbdgai.lftd
fttps<//www.stgamisfs.kra/kurpgais
fttps<//www.stgamisfs.kra/kurpgais/gutk/?:79/8
/gutk/?:79/8/?9/88>9>
/?9/88>9>7?9/Ymbt%?:
7?9/Ymbt%?:7%?:Gmswir%?:@
7%?:Gmswir%?:@iy.phe
iy.phe
fttps<//qubzbzz.nkd/ghdbm/qubz/9o1958e:heh7?i::728882o2/egntkrs-ke-prkhuntbkm
fttps<//bmt.sigrnf.dywgy.nkd/sigrnf/GLbdgai.lftdc;
fttp<//www.gckfg-fgwgbb.nkd/kgfu/hkci-pcgmtgtbkm/

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