-bkmf !

* sf] pkbkmf -^_ ;+u ;DjlGwt_

sDkgL P]g, @)^# cGtu{t ;+:yflkt
-d'gfkmf ljt/0fg gug]{ sDkgL_
sf]-ck/]l6e d]g]h;{ Snj
Co-operative managers club
sf]
k|aGw kq
!= sDkgLsf] gfdM o; sDkgLsf] gfd æ sf]-ck/]l6e d]g]h;{ SnjÆ x'g]5 . c+u|]hLdf Co-
operative managers club elgg]5 .
@= sDkgLsf] /lhi68{ sfof{no /xg] 7]ufgf M -s_ o; sDkgLsf] /lhi68{ sfof{no sf7df08f}+
lhNnf sf7df08f}+ dxfgu/kflnsf j8f g+=$ df /xg]5 . sfof{nosf] :jLs[lt lnO{
sDkgLn] cfjZostf cg';f/ /lhi68{ sfof{no /xg] :yfg :yfgfGt/0f ug{ / zfvf
sfof{nox? vf]Ng ;Sg]5 .
#= sDkgLn] ug]{ Joj;fo jf sf/f]jf/sf] k|s[lt M o; sDkgLsf] Joj;fo jf sf/f]jf/
hgxLtsf/L ;fdlhs ;]jf d'ns x'g]5 .
$= sDkgLsf] p2]Zo M !=o; sDkgLsf] p2]Zo b]xfo adf]lhd x'g]5 M–
s_ g]kfn el/ ;+rfnfdf /x]sf ;xsf/L ;+:y ln=sf ;+rfnsx?,Jofj:yfks /
sfo{sf/Lx?nfO{ PsLs[t ul/ ;xsf/L,;+rfnsx? , Jofj:yfks tyf z]o/
wlgx?sf] xslxtdf sfd ug]{ .
v_ ljleGg sf/0fn] hf]vLddf k/]sf ;xsf/Lx?nfO hlvdaf6 d'Qm u/fpg ckf;L
;xof]uLsf] e'ldsf lg{afx ug]{ .
u_ ;xsf/L ;+alGw hgr]tgf d'ns sfo{s|dx? ;+rng ug]{ ;fy} ljleGg
8s'd]G6L,k'l:tsf,hg{nx? k|sf;g ug]{ u/fpg] .
3_ ;xfsf/Lsf] dxTj,ejfg,pkof]uLtf tyf ;t{stf ;+aGwdf ljleGg k|rf/ -
cl8of],le8Lof],n]v_ ;fdfu|L lgdf{0f ul/ ljleGg ;+rf/ tyf laB'lto dfWodaf6
k|rf/ k|;f/ ug]{ u/fpg] .
3_ ;xfd/L tyf nufgL / hf]vLd ;+alGw tflnd,uf]i7L ,;]dLgfx? ;+rfng ug]{, u/fpg] .
ª_ ;b:ox?sf]nfuL enfO sf]if ;+rfng ug]{ .
r_ ;xsf/L tyf a}sL'Ë k|0ffln ;+lGw cWofog cg';Gwf ug]{ u/fpg] tyf ;f] ;+u ;+alGw
tflndsf sIffx? ;+rfng ug]{ .
5_ z]o/, C0f kq tyf l8a]Gr/ clbdf nufgL / lhvLd ;+alGw tfnLdsf
sIffx?,;]dLgf/,uf]i7Lx?sf] ;+rfng,cfof]hg,k|fof]hg ug]]{ .
-@_ sDkgLn] pkbkmf -!_ adf]lhdsf] p2]Zo k|rlnt sfg"g adf]lhd ;DjlGwt lgsfoaf6
cg'dlt jf Ohfht k|fKt ug'{ kg]{ ePdf ;f] k|fKt u/L dfq sfof{Gjog ul/g]5 .
-#_ pkbkmf -!_ df pNn]lvt p2]Zosf] ;DjGwdf cg'dlt jf Ohfht k|fKt u/]sf] kGw|
lbgleq To:tf] cg'dlt jf Ohfhtkqsf] k|ltlnlk sfof{nodf k]z ul/g]5 .
%= sDkgLsf] p2]Zok|fKt ug{ u/Lg] sfdx? o; sDkgLn] bkmf $ adf]lhdsf p2]Zo k|fKt
ug{ b]xfosf sfdx? ug]{5M–
 -s_ sDkgLnfO{ cfjZos kg]{ hUuf, ejg, ;jf/L ;fwg / cfjZos pks/0f v/Lb ug]{
jf ef8fdf lnO{ k|of]u ug]{ .
-v_ sDkgLnfO{ cfjZos kg]{ sd{rf/Lx¿ lgo'Qm ug]{ tyf ltgsf] ;]jfsf] zt{x?
lgwf{/0f ug]{ .
-u_ sDkgLsf] gfddf a}+s tyf ljlQo ;+:yfdf vftf vf]Ng] / ;+rfng ug]{ .
-ª_ cGo cfjZos s'/fx? M
-!_ sDkgLsf] p2]Zo;+u ldNbf]h'Nbf] p2]Zo ePsf JolQm kmd{ jf sDkgL jf ;+3
;+:yfx?;+u ;+o'Qm e} sfo{ ug]{ .
-@_ sDkgLn] cfjZos ;Dem]df cfˆgf] ;'/Iffsf] nflu jLdf u/fpg klg
;Sg]5 .
-#_ a}+sx?df sDkgLsf] gfddf sDkgLsf] k|of]hgsf] nflu vftfx? vf]Ng]
;~rfng ug]{ ljlgdo kq, j}+s 8«fˆ6, :jLs[lt lnO{ cGo ljqmo -
g]uf]l;ojn_ lnvtx? sf6\g] :jLsf/ ug]{ b:tvt ug]{ ;dy{g ug]{ tyf
sDkgLsf] vftfjf6 ?k}of+ lemSg], /fVg] jf k|lttkq vf]Ng] cflb .
-${_ sDkgLsf] k|rf/ k|;f/sf] nflu /fli6«o tyf cGt/fli6«o kq klqsfx?df
tyf /]l8of] / 6]lnlehg nufot ljleGg ;+rf/ dfWodx?jf6 lj1fkg lbg]
.
-%_ of] sDkgL Ps ;+ul7t ;fdflhs ;+:yf ePsf]n] o;n] cfˆgf] gfddf
ePsf] hUuf lhldg ,rn crn ;DklQ j]r ljvg ug{ tyf c?sf] gfddf
/x]sf] hUuf lhldg ,rn crn ;DklQ vl/b ug{ jf k|fKt ug{ ;Sg]5 .
-^_ pk/f]Qm p2]Zo k|fKt ug{ sDkgLn] cfˆgf] gfddf rn crn ;DklQ cfh{g
ug{, pkef]u ug{ v/Lb Pj+ ;fwf/0f ;efsf] lg0f{on] ljqmL ug{ ;Sg]5 .
-&_ g]kfn ;/sf/ tyf cGo lgsfox?jf6 k|fKt x'g ;Sg] ;xof]usf]
lgodfg';f/ dfu ug]{ .
^= sDkgLsf] k|f/lDes k"FhLsf] M sDkgLsf] ;+:yfks ;b:ox?af6 ;b:otf z'Ns ?
!,)),))).–-Ps nfv_ x'g]5 . sDkgLn] pQm /sd cfkm\gf ;+:yfks ;b:ox?jf6
p7fpg] 5 . cGo cfjZos /sd ;fwf/0f ;b:ox?af6 z'Ns nufot cGo cfly{s
>f]tx?jf6 /sd gub lhG;L k|fKt u/L j]xf]g]{ 5 .o; d'gfkmf ljt/0f gug]{ sDkgLsf]
lgwf{l/t clws[t k"FhL, tTsfn hf/L ug]{ k"FhL, r'Qmf k"FhL tyf z]o/ ljefhg cGo
Psn, Psn jfx]ssf] k|f=ln= jf klAns sDkgL h:tf] lgwf{l/t / lglZrt x'g] 5}g .
o; sDkgLsf] cfly{s >f]t b]xfo jdf]lhdsf] x'g]5 .
-s_ sDkgLnfO{ k|fKt k|j]z z'Ns, ;b:otf z'Ns tyf jflif{s ;b:otf z'Ns .
-v_ ;+:yfn] cfh{g jf k|fKt u/]sf] rn jf crn ;DklQ .
-u_ ;+:yfn] nufgL u/]sf] k"FhL jf a9] a9fPsf] /sd .
-3_ s;}sf] :jR5fn] lbPsf] bfg, cg'bfg jf ;xfotf jfkt k|fKt /sd .
-ª_ ljb]zL ;+3÷ ;+:yf, JolQm jf cGt/f{li6«o ;+3 ;+:yfaf6 ;xof]u k|fKt /sd .
-r_ ;/sf/L lgsfo, ;/sf/L÷ u}/ ;/sf/L ;+3÷;+:yf, ;fd'bflos jg pkef]Qmf
;ldlt÷;d"x tyf cGt/f{li6«o ;+3÷;+:yf, JolQm jf ;d"xaf6 k|fKt bfg, pkbfg,
js; tyf cfly{s ;xof]u ;d]taf6 k|fKt /sd . t/ ljb]zL ;+3÷;+:yf jf
JolQmaf6 cfly{s ;xof]u tyf cg'bfg k|fKt x'g] ePdf o; sDkgLn] g]kfn
 ;/sf/ cy{dGqfno tyf ;dfh sNof0f P]g, @)$( adf]lhd ;dfh sNof0f
kl/ifbsf] k"j{ :jLs[tL lng] 5 .

&= sDkgLsf] nflu z]o/ k"FhL cfjZos gkg]{ M

s= of] sDkgL ;+:yfkgf ubf{ s'g} z]o/ k"FhL cfjZos kg]{ 5}g . t/ sDkgLn] cfkm\gf
;b:ox?af6 ;b:otf z'Ns k|fKt ug{ / cfkm\gf] p2]Zo k"/f ug{ sfg"g jdf]lhd
s;}af6 s'g} bfg jf cg'bfg k|fKt ug{ ;Sg]5 .
v= sDkgLsf ;b:ox?n] k|j]z z'Ns, ;b:otf z'Ns jfkt Psd'i7 /sd lgodfjnLdf
pNn]v eP adf]slhd tf]lsPsf] ;dodf a'emfpg' kg]{5 .
u= sDkgLsf ;b:ox?af6 k|fKt /sd jf cGo cg'bfg /sd 5'§} sf]ifdf hDdf ul/g]5 /
;f] sf]ifdf /x]sf] /sd sDkgLsf] k"FhL x'g]5 . o:tf] /sd sDkgLsf] lgoldt
sf/f]jf/sf] l;nl;nfdf jf sDkgLsf] p2]Zo xfl;n ug{ vr{ ug{ ;lsg]5 .
3= sDkgLsf] p2]Zo kl/k"lt{ ug{ jf sDkgLsf] p2]Zo jdf]lhdsf] sfd k|lt of]ubfg
k'¥ofpg]nfO{ ;Ddfg tyf k|f]T;fxg lbg jf sDkgLsf] p2]Zo jd]flhd s'g} ;fj{hlgs
lxtsf] sfd ug{ sDkgLsf] ;+rfns ;ldltsf] ;+rfns ;ldlt, ;fwf/0f ;ef
;d]tsf] lg0f{o jdf]lhd sDkgLn] s'g} cIfo sf]if :yfkgf ug{ / ;+rfng ug{ ;Sg]5
.
8= sDkgLsf] a}+s vftf ;+rfns ;ldltsf] lg0f{oaf6 tf]lsPsf ;+rfnsx?sf] ;+o'Qm
b:tvtaf6 ;+rfng x'g]5 . k|rlnt P]g lgod cg';f/ vr{ ug]{ tyf vr{sf] >]:tf
/fVg] Joj:yf ul/g]5 .
r= sDkgLsf] sf]ifdf hDdf ePsf] /sd vr{ ubf{ b]xfo jd]flhdsf] t/Lsf ckgfO{ vr{
ul/g]5 .
-!_ ;+:yfsf] jflif{s ah]6 of]hgf / sfo{qmd :jLs[lt gu/L sf]ifaf6 /sd vr{
ug{ ;lsg] 5}g .
-@_ ;fwf/0f ;efaf6 kfl/t ah]6 / sfo{qmdsf] clwgdf /xL sf]ifaf6 /sd vr{
ug{ ;lsg]5 .
-#_ sf]ifaf6 vr{ ePsf] /sdsf] cfly{s k|ltj]bg ;fwf/0f ;efdf clgjfo{ ?kn]
k]z u/L cg'df]bg u/fO{ ;f]sf] hfgsf/L ;DalGwt lgsfonfO{ lbOg]5 .
*= d'gfkmf ljt/0f ug{ gkfpg]
!= sDkgLn] cfh{g u/]sf] d'gfkmfaf6 nfef+z, af]g; jf cGo s'g} /sd o;sf ;b:o
jf sd+rf/LnfO{ ljt/0f ul/g] 5}g .
@= sDkgLn] cfh{g u/]sf] d'gfkmf sDkgLsf] k"FhL j[l4 ug{ jf sDkgLsf] p2]Zo
k|flKtsf] nflu dfq vr{ ul/g]5 .
(= sDkgLsf] ;b:otf k|flKt / gjLs/0f M–
!= o; sDkgLsf] ;b:otf k|flKtsf] nflu cfjZos kg]{ zt{, of]Uotf, ;b:otfsf] lsl;d,
;b:o k|fKt ug]{ / gjLs/0f ug]{ k|lqmofx? b]xfo jdf]lhd x'g]5g\ .
-s_ g]kfnL gful/s ePsf] .
-v_ !* jif{ pd]/ k'/f u/]sf] .
-u_ dfgl;s ;Gt'ng gu'dfPsf] .
 -3_ ;fj{hlgs ;DklQ lxgfldgf u/]sf] g7x/]sf] .
-ª_ g}lts ktg b]lvg] kmf}hbf/L tyf e|i6frf/sf] cleof]udf ;hfo gkfPsf] .
-r_ ;xsf/L ;+:y ln=sf ;+rfnsx?,Jofj:yfksx? / sfo{sf/Lx? ePsf] JolQm
;+alGwt ;+:yfn] clwsf/L JolQm xf] elg k|df0L u/]sf] JolQm .
-5_ ;+:yfut ?kdf sDkgLsf] p2]Zo;Fu ;DalGwt s'g} OR5's ;fd'bflos
pkef]Qmf ;ldlt ;d"x jf ;+ul7t ;+3 ;+:yfn] klg o; sDkgLdf k|ltlglw
;b:osf] ?kdf ;b:otf lng ;Sg]5g\ .
@= ;b:otfsf] lsl;d M–o; sDkgLdf b]xfo adf]lhd % k|sf/sf ;b:ox? /xg]5g\ M
-s_ ;+:yfks ;b:ox? M– o; d'gfkmf ljt/0f gug]{ sDkgLsf] ;+:yfkgf x'Fbfsf
avt kbflwsf/Lx? ;+:yfks ;b:o x'g]5g\ . pgLx?n] ;fwf/0f jf
cfhLjg ;b:otf lng ;Sg]5g\ .
-v_ ;fwf/0f ;b:o M– o; k|aGw kqsf] bkmf (-!_ jdf]lhd of]Uotf k'u]sf s'g}
klg g]kfnL gful/sn] tf]lsPsf] k|lqmof cGtu{t /xL cfj]bg u/]df
sDkgLsf] ;b:otf k|fKt ug]{ JolQmx? ;fwf/0f ;b:o x'g]5g\ .
-u_ cfhLjg ;b:o M– sDkgLsf] ljsf;sf] nflu ljz]if ;xof]u tyf of]ubfg
k'¥ofpg] JolQm tyf ;+:yfks ;b:ox?n] tf]lsPsf] k|lqmof cGtu{t
cfhLjg ;b:otf lng ;Sg]5g\ .
-3_ dfgfy{ ;b:o M– sDkgLn] pko'Qm 7x/ u/]sf] ljlzi7 ;dfh;]jL tyf
k|ltli7t g]kfnL gful/snfO{ ;+rfns ;ldlt / ;fwf/0f ;efsf] lg0f{on]
sDkgLn] dfgfy{ ;b:otf k|bfg ug{ ;Sg]5 . t/ dfgfy{ ;b:osf]
dtflwsf/ /xg] 5}g .
-ª_ ;Nnfxsf/ ;b:oM–
o; sDkgLsf] p2]Zo cg';f/ of]ubfg lbg] JolQmnfO{ ;+:yfks ;Nnfxsf/
;b:o jf ;Nnfxsf/ ;b:o klg /fVg ;lsg]5 .
# ;b:otf z'Ns / ;b:otf gjLs/0f ljlw M–
-s_ ;fwf/0f ;b:otf k|fKt ug{ rfxg] JolQm, ;d"bfo jf ;+3 ;+:yfn] k|j]z
z'Ns jfkt ?=@,)),)))÷–-b'O nfv_, ;b:otf z'Ns jfkt ?=%)))÷–-
kfFr xhf/_ a'emfO{ tf]lsP k|lqmof cg';f/ cfj]bg k]z ug]{nfO{ ;+rfns
;ldltsf] lg0f{on] ;fwf/0f ;b:otf k|bfg ug{ ;Sg]5 . To:tf] ;fwf/0f
;b:on] jflif{s gjLs/0f z'Ns afkt ?=!)))÷–-Ps xhf/_ a'emfpg' kg]{5
. ;fwf/0f ;b:on] k|To]s cfly{s aif{ ;dfKt ePsf] -cfiff9 d;fGt leq_
Ps dlxgf leqdf ;b:otf gjLs/0f u/fO{ ;Sg' kg]{5 . To;kl5sf] xsdf
tf]lsPsf] yk b:t'/ a'emfO{ ;b:otf gjLs/0f ug{ ;Sg]5 .
-v_ sDkgLsf] ;+:yfkgf x'Fbfsf jvtsf ;+:yfks ;b:ox?n] ljwfgdf pNn]v
eP jd]flhdsf] z'Ns a'emfO{ ;fwf/0f ;b:otf / cfhLjg ;b:otf
gjLs/0f ug{ ;Sg]5g\ . cfhLjg ;b:otf jfkt z'Ns ?=%),)))÷–-krf;
xhf/_ dfq a'emfpg' kg]{ 5.
!)= ;b:otf x:tfGt/0f gx'g] M sDkgLsf] ;b:otf s'g} lsl;dn] x:tfGt/0f x'g ;Sg] 5}g .
!!= ;b:otf ;dfKt x'g] cj:yf M–
 o; sDkgLsf ;b:osf] ;b:otf b]xfosf] cj:yfdf sfod /xg] 5}g .
-s_ sDkgLsf] ;b:otfaf6 /flhgfdf lbPdf .
-v_ sDkgLsf] ;b:osf] d[To' ePdf .
-u_ s'g} ;+ul7t ;+:yf sDkgLsf] ;b:o ePsf]df To:tf] ;+:yf vf/]h ePdf jf cGo
;+u7Lt ;+:yf;Fu uflePdf .
-3_ sDkgLsf] ;b:o bfdf;fxLdf k/]df .
-ª_+ k|rlnt sfg"g jdf]lhd sDkgLsf] ;b:o sfod /xg cof]Uo ePdf .
-r_ sDkgLsf] ;b:on] cfkm\gf] kbaf6 lbPsf] /flhgfdf :jLs[t ePdf .
-5_ ;fwf/0f ;efsf] &%Ü ;b:ox?sf] ax'dtn] sDkgLsf] ;b:o kbaf6 x6fpg] k|:tfj
kfl/t u/]df .
t/ s'g} JolQm÷ ;+:yf k|ltlglw sDkgLsf] ;b:otf k|fKt ug{ jf jxnf
/xg cof]Uo 7x/fpg' eGbf cl3 sDkgLn] lghnfO{ ;f] s'/fsf] ;"rgf lbO{ ;kmfO{sf]
;j"b k]z ug]{ df}sf lbg]5 .
!@= bfloTj ;Lldt x'g] M s'g} ;b:on] lnlvt ?kdf :jLsf/ u/]sf] cj:yfdf afx]s sDkgLsf]
C0f tyf bfloTjdf o;sf] ;b:o lhDd]jf/ x'g] 5}g .
!#= cGo cfjZos s'/fx? M
s_ sDkgLsf] ;+:yfkgf ubf{ nfu]sf] vr{ sDkgLn] g} Joxf]g]{ 5 .
v_ sDkgLn] sf/f]jf/ z'? ubf{sf] cj:yfdf ;+:yfks jf cGo s'g} JolQmjf6 s'g} ;DklQ
k|fKt ug{, vl/b ug{, s'g} JolQmaf6 s'g} lsl;dsf] crn ;DklQ k|fKt ug{ ;+rfns
;ldlt tyf ;fwf/0f ;efsf] lg0f{o cg';f/ x'g]5 .
-u_ ;+:yfks jf cGo s'g} JolQmn] sDkgLaf6 s'g} ljz]if ;x'lnot jf clwsf/ kfpg]
s'/f sDkgLsf] ;fwf/0f ;efsf] lg0f{o jdf]lhd x'g]5 .
!$= sDkgLsf] k|s[lt cg'?k s'g} yk Joj:yf ug'{ kg]{ eP ;f] s'/f v'nfpg] M sDkgL P]g / o;
k|aGw kqdf pNn]v eP jfx]s xfn cGo s'g} Joj:yf gePsf], s'g} s'/fsf ;DaGwdf
cfjZos k/]df ;fwf/0f ;efsf] lg0f{o cg';f/ ul/g]5 .
!%= k|jGwkqdf ;+zf]wg ePdf nfu' x'g] cj:yf M o; k|jGwkqdf s'g} ;+zf]wg ug'{ kg]{ ePdf
;fwf/0f ;efaf6 ljz]if k|:tfj kfl/t u/L ;f] lg0f{o sfof{nodf clen]v ePkl5 dfq
k|aGwkq ;+zf]wg ePsf] dflgg]5 .
!^= k|jGwkq aflemPsf] xb;Dd cdfGo x'g] M o; k|jGwkqsf bkmfx? sDkgL P]g, @)^# /
k|rlnt sfg'g;+u aflemPdf To:tf] bkmfx? aflemPsf] xb;Dd :jtM jb/ x'g]5g\ .
!&= ;+:yfksx?n] tTsfn lng sj'n u/]sf] z]o/ ;+Vof / pb3f]if0f M xfdL o; æ sf]-
ck/]l6e d]g]h;{ SnjÆ sf ;+:yfksx?n] of] sDkgL ;+:yfkgf u/L k|rlnt sfg'g
jdf]lhd ;+rfng ug{ d~h'/ u/]sf 5f}+ . of] k|jGwkqdf pNn]lvt xfd|f] gfd, 7]ufgf,
x:tfIf/ / ;fIfL ;DjGwL Joxf]/f 7Ls ;fFrf] xf] . s'g} sf/0fn] e'm¶f 7xl/g uPdf sDkgL
btf{ kZrft\ l;h{gf x'g] bfloTj Joxf]g{ xfdL tof/ 5f}+ . of] k|jGwkqdf n]lvPsf s'/f
;fFrf] xf] em'§f 7x/] sfg'g jdf]lhd ;xg j'emfpg d~h'/ 5f}+ elg ;xL5fk u/]sf] 5f}+ .
 ;+:yfkssf] gfd, 7]ufgf / afa'sf] gfd gful/stf k|df0f ;fIfLsf] gfd,y/,7]ufgf ;fIfLsf]
;lx5fk kq g+= / ;xL5fk gful/stfsf]
gful/stf k|fKt k|df0f kq g+= /
u/]sf] lhNnf lhNnf
b:tvt M– vu]Zj/ (@&#% b:tvt M–
!_ gfd M– >L k|sfz /]UdL /]UdL uf]/vf !_ gfd M– =
7]ufgf M– uf]/vf lhNnf 7]ufgf M– = gful/stf g+
s]/fjf/L uf=lj=j8f g+=% sf] bf= jf=
xfn
==================ufp{kflnsf
j8f g+=======
bf= jf=
b:tvt M– b:tvt M–
@_ gfd M– >L lji0f' k|;fb ndh'Ë @_ gfd M– =
9sfn 7]ufgf M– = gful/stf g+
7]ufgf M– ndh'Ë bf= jf=
lhNnf enfof]vs{
uf=lj=;=j8f g+ # sf] xfn
/fOgf; gu/kflnsf j8f
g+ ===========
bf= jf=
b:tvt M– =====Gof}kfg] b:tvt M–
#_ gfd M– >L /]zd Gof}kfg] uf]/vf #_ gfd M– =
uf]/vf lhNnf vf]Knf'Ë 7]ufgf M– = gful/stf g+
uf=lj=;=j8f g+ %sf] xfn bf= jf=
kfn''Ë6f/ gu/kflnsf j8f
g+ !
bf= jf=
b:tvt M– b:tvt M–
$_ gfd M– >L /ljGb| ;fxf /f}tx6 $_ gfd M– =
7]ufgf M– /f}tx6 lhNnf 7]ufgf M– = gful/stf g+
sf7df08f}+ dxfgu/kflnsf bf= jf=
j8f g+ ====
bf= jf=
b:tvt M– ###^( /fd]5fk b:tvt M–
%_ gfd M– >L /fwf s8/Lof d's'Gb %_ gfd M– =
7]ufgf M– /fd]5fk lhNnf k|;fb 7]ufgf M– = gful/stf g+
=============== uf=lj=;=j8f g+ s8/Lof bf= jf=
* sf] xfn a}ToZj/
ufp+kflnsf j8f g+ @
bf= jf=

k|aGwkq d:of}bf stf{sf] b:tvtM–

gfdM–/fdrGb| cfrfo{
k|df0f kq g+M– ^*!) -clwjQmf_
ldltM– @)&&.)$.
Olt ;Djt @)&& ;fn >fj0f dlxgf ut] /f]h z'ed\======================.
 cg';'rL !^
-bkmf @) sf] pkbkmf $ ;Fu ;DaGwLt_
sDkgL P]g, @)^# cGtu{t ;+:yflkt

sf]-ck/]l6e d]g]h;{ Snj

Co-operative managers club
d'gfkmf ljt/0f gug]{ sDkgL
sf]
lgodfjnL
kl/R5]b–!
k|f/lDes
!= sDkgLsf] gfdM o; sDkgLsf] gfd æ sf]-ck/]l6e d]g]h;{ SnjÆ x'g]5 . c+u|]hLdf Co-
operative managers club elgg]5 .
@= sDkgLsf] /lhi68{ sfof{no /xg] 7]ufgf M -s_ o; sDkgLsf] /lhi68{ sfof{no sf7df08f}+
lhNnf sf7df08f}+ dxfgu/kflnsf j8f g+=$ df /xg]5 . sfof{nosf] :jLs[lt lnO{
sDkgLn] cfjZostf cg';f/ /lhi68{ sfof{no /xg] :yfg :yfgfGt/0f ug{ / zfvf
sfof{nox? vf]Ng ;Sg]5 .
#= kl/efiffMljifo jf k|;Ën] csf]{ cy{ gnfu]df o; lgodfjnLdfÙ
-s_æP]gÆ eGgfn] sDkgL P]g,@)^# ;Demg'k5{.
-v_æsfof{noÆeGgfn] sDkgL /lhi6«f/sf] sfo{fno ;Demg'k5{.
-u_æsDkgLÆeGgfn] æ sf] ck/]l6e d]g]h;{ SnjÆ ;Demg'k5{.
-3_ækbflwsf/LÆeGgfn sDkgLsf] cWoIf ;~rfns,sfo{sf/L k|d'v,k|aGws,sDkgL ;lrj,
lnSjL8]6/ jf ljefuLo lhDd]jf/L lng] s'g} sd{rf/ ;d]t ;Demg' k5{ .
-ª_æ;efÆeGgfn] sDkgLsf] ;fwf/0f ;ef ;Demg' k5{ .
$= sDkgLsf] p2]Zo M sDkgLsf] p2]Zo k|aGwkqsf] bkmf $ df pNn]v eP adf]lhd x'g]5 .
kl/R5]b @
;fwf/0f ;ef
%= sDkgLsf] ;ef af]nfpg] tl/sf / ;efsf nflu lbg' kg]{ ;"rgf ;DaGwL Joj:yf M
-!_ o; sDkgLsf] ;fwf/0f ;ef b]xfo adf]lhd x'g]5g\ .
-s_ jflif{s ;fwf/0f ;ef M–
-v_ ljz]if ;fwf/0f ;ef M–
-@_ o; sDkgLsf] k|yd jflif{s ;fwf/0f ;ef sDkgL ;+:yfkgf ePsf] ldltn] !@ dlxgf-
Ps jif{ _ leqdf ul/g]5 / To; kl5sf jflif{s ;fwf/0f ;efx? cfly{s jif{ ;dfKt
ePsf] ^ dlxgf cyft\ kf}if d;fGtleq ul/g]5 .
-#_ o; sDkgLsf] jflif{s ;fwf/0f ;ef ug{sf] nflu sDtLdf @! lbg cufj} / ljz]if
;fwf/0f ;ef ug{sf nflu sDtLdf !% lbg cufj} ;ef x'g] 7fpF, ldlt / 5nkmn ug]{
ljifo vf]nL ;j} ;b:ox?nfO{ ;"rgf lbOg]5 . sDkgLsf] s'n ;b:o ;+Vofsf] !÷$ -
 Ps rf}yfO{_ ;b:ox?n] sf/0f hgfO{ ljz]if ;fwf/0f ;ef dfu u/]df klg slDtdf &
lbg leq clgjfo{ ?kdf ;ef af]nfpg' kg]{ 5 .
t/ ljz]if ;fwf/0f ;ef jf ljz]if ;ef a;]sf] ^ dlxgf leq k'gM ljz]if
;fwf/0f ;ef j:g ;Sg] 5}g .
-$_ ;~rfns ;ldltsf] cWoIf jf ;~rfns ;ldltn] tf]s]sf] kbflwsf/Ln] ;fwf/0f ;ef
af]nfpg]5 .
-%_ pklgod -$_ df pNn]lvt kbflwsf/Ln] ;fwf/0f ;ef gaf]nfPdf jf cGo s'g}
sf/0fn] ;~rfns ;ldltsf] a}+7s a:g g;s]df ;~rfns ;ldltsf] s'n
;~rfnsx? dWo] sDtLdf %!-PsfpGg_ k|ltzt ;~rfns pkl:yt e} ;f]xL sf/0f
v'nfO{ ;fwf/0f ;ef af]nfpg] lg0f{o ug{ ;Sg]5g\ . o;/L ;fwf/0f ;ef af]nfpg ;a}
;b:ox?nfO{ pklgod -#_ adf]lhdsf] ;"rgf lbg' kg]{5 . o;/L j:g] ;~rfns
;ldltsf] a}+7s / ;fwf/0f ;efdf cWoIf pkl:yt ePdf lghsf] cWoIftfdf /
cWoIf cg'kl:yt ePdf pkl:yt ;+Rffnsx? dWo]af6 5flgPsf] ;~rfnsn]
;~rfns ;ldltsf] a}+7s tyf ;fwf/0f ;efsf] cWoIftf ug]{5 .
-^_ pklgod -#_ jf -%_ adf]lhd af]nfPsf] ;fwf/0f ;efdf lgod !) adf]lhdsf]
u0fk"/s ;+Vof gk'uL ;ef x'g g;s]df sDtLdf & lbgsf] Dofb lbO k'gM ;fwf/0f
;ef af]nfOg]5 . o:tf] ;"rgf slDtdf # lbg cl3 s'g} /fli6«o :t/sf] b}lgs
klqsfdf k|sfzg u/]df l/t k"j{ssf] ;"rgf lbPsf] dflgg]5 .
-&_ ;fwf/0f ;ef / ljz]if ;fwf/0f ;efsf] 5'§f5'§} lg0f{o k'l:tsf /flvg]5 .
^ ;fwf/0f ;efsf] sfo{ljlw M
-!_ ;fwf/0f ;efsf] cWoIftf ;~rfns ;ldltsf] cWoIfn] ug]{5 .
-@_ ;~rfns ;ldltsf] cWoIf cg'kl:yt ePdf ;+rfnsx? dWo]af6 ;+rfnsx?n]
5fg]sf] ;+rfnsn] ;fwf/0f ;efsf] cWoIftf ug]{5 . ;efdf ;+rfns ;ldltsf] cWoIf
tyf ;a} ;+rfns cg'kl:yt ePsf pkl:yt ;b:ox?n] cfkm" dWo]af6 5flgPsf]
;b:on] ;efsf] cWoIftf ug]{ 5 .
-#_ ;efsf] sfd sf/afxL k|f/De x'g' cl3 ;efsf] a}wtfaf/] 5nkmn u/L u0fk"/ s ;+Vof
k'u] jf gk'u]sf] olsg ug{' kg{]5 / u0fk"/s ;+Vof k'u]df cWoIfsf] cg'dltn] ljlwjt\
;+rfng x'g]5 .
-$_ ;efdf 5nkmn ul/g] k|To]s ljifo k|:tfj -Ph]08f_sf] ?kdf k|:t't x'g]5 / k|To]s
k|:tfjdf 5nkmn ul/g]5 . cWoIfn] cg'dlt lbPsf]df afx]s Pp6f k|:tfjdf lg0f{o
geO{ csf]{ k|:tfjdf k|j]z ul/g] 5}g .
-%_ ;efsf] lg0f{o ax'dtsf] cfwf/df x'g]5 .
t/ ljz]if k|:tfjsf] xsdf ;efdf pkl:yt ;b:ox?dWo] krxQ/ k|ltzt ;b:on]
k|:tfjsf] kIfdf dt lbPdf dfq To:tf] k|:tfj ;efaf6 kfl/t ePsf] dflgg]5 .
-^_ ;efdf dt a/fa/ ePdf cWoIfn] lg0ff{os dt lbg]5 .
-&_ ;efdf pkl:yt s"n ;b:ox?dWo] ^& -;t;6\7L_ k|ltzt ;b:ox?n] :JLs[lt
lbPsf]df afx]s ;efsf] ;"rgfdf pNn]v gul/Psf] cGo ljifo -Ph]G8f_ pk/ 5nkmn
/ lg0f{o ul/g] 5}g .
 -*_ s'g} ljifodf ;b:ox?sf] dt ;Íng ug{' kg]{ ePdf ;efsf] cWoIfn] tf]s]sf] k|lqmof
cg';f/ dt ;Íng ul/g]5 .
-(_ s'g} vf; ljifodf vf; ;b:ox?af6 s'g} k|:tfj k]; ug{ ;lsg] eP M– ;fwf/0f
;efsf] lg0f{o jdf]lhd x'g]5 .
-!)_ cfjZostf cg';f/ ;fwf/0f ;efsf] lg0f{o adf]lhd ljB'lto ;~rf/ ;Dk{ssf]
dfWodaf6 ;d]t ;fwf/0f ;efdf efu lng ;lsg]5 . o;/L ljB'lto ;~rf/
dfWodaf6 ul/Psf] ;ef of a}7ssf] 5'6\6} clen]v /flvg]5 .
-!!_ sDkgLsf] ;fwf/0f ;efsf] cGo sfd, st{Jo / clwsf/ ;DaGwdf ;fwf/0f ;efn]
lg0f{o u/] adf]lhdsf] ljlgod agfO{ tf]lsP jd]flhd x'g]5 .
&= ;fwf/0f ;efdf k]z ug]{ cGo ljifo M o; sDkgLsf] ;fwf/0f ;efdf sDkgL P]g, @)^#
jdf]lhd afx]s cGo ljifosf] xsdf sDkgLsf] p2]Zo k'tL{sf] nflu sDkgLsf] cfjZostf
cg';f/ e}k/L cfpg] sfo{x?sf] nflu ;+rfns ;ldltn] cfjZostf dxz'; u/L lg0f{o u/]
ad]flhd k]z ul/g]5 .
*= ljz]if k|:tfj M o; d'gfkmf ljt/0f gug]{ sDkgLsf] ;DaGwdf sDkgL P]g, @)^# n]
Joj:yf u/]sf] ljifosf] lg0f{osf] nflu ;fwf/0f jf ljz]if ;fwf/0f ;efdf lg0f{o lngsf]
nflu ljz]if k|:tfa k]z ug'{ kg]{5 .
(= ljz]if ;fwf/0f ;ef M P]g adf]lhd sDkgLsf] ljz]if ;fwf/0f ;ef af]nfpg ;lsg]5 .
!)= u0fk'/s ;+Vof M s"n ;b:ox?sf ^& -;t;6\7L_ k|ltzt eGbf a9L ;b:ox?sf] pkl:yt
geO{ ;fwf/0f ;efsf] sfd sf/jfxL x'g] 5}g .
t/ lgod % sf] pklgod -^_ df pNn]v ePadf]lhd k'gM af]nfOPsf]
;fwf/0f ;efdf s"n ;b:o ;+Vofdf %!-PsfpGg_ k|ltzt ;b:ox?sf] pkl:yt
ePdf ;ef ;~rfng ug{ afwf kg]{ 5}g .
!!= dtbfg M k|To]s ;b:onfO{ Ps ;b:o Ps dtsf] cfwf/df dt lbg] clwsf/ x'g]5 .
!@= ;fwf/0f ;efsf] lg0f{o ljj/0fsf] clen]v M
-!_ P]g cg';f/ v'nfpg'kg]{ s'/f v'nfO{ ;fwf/0f ;efsf] sfd sf/afxL tyf lg0f{osf]
ljj/0fsf] 5'§} clen]v u/L /flvg] 5 . To:tf] ljj/0fdf ;efsf] cWoIf tyf sDkgL
;lrjn] x:tfIf/ ug'{ kg]{5 . s'g} Joxf]/fn] ;efdf sDkgL ;lrj cg'kl:yt ePsf] jf
sDkgL ;lrjsf] lgo'lQm gePsf] cj:yfdf ;ef cWoIf tyf ;efn] lgo'Qm u/]sf] Ps
hgf ;b:on] To:tf] ljj/0fdf x:tfIf/ ug'{ kg]{5 .
-@_ pklgod -!_ cg';f/ /flvPsf] ;fwf/0f ;efsf] sfd sf/afxLsf] ljj/0fsf] clen]v
sDkgLsf] /lhi68{ sfof{nodf /fVg' kg]{5 . To:tf] ljj/0f s'g} ;b:on] sfof{no
;dodf lg/LIf0f ug{ rfx]df sDkgL ;lrj jf sDkgLn] tf]lsPsf] cGo sd{rf/Ln]
lg/LIf0f ug{ lbg'kg]{5 .

kl/R5]b #
;~rfns ;ldlt
!#= ;~rfns ;ldltsf] u7g, ;+Vof / sfo{sfn M
-!_ ;+rfnsx?sf] lgo'lQm÷lgjf{rg ax'dtsf] cfwf/df x'g]5 . ax'dt k|fKt x'g g;s]df
lgjf{rg k|lqmof ckgfOg]5 .
 -@_ o; sDkgLdf % hgfsf] ;+rfns ;ldlt x'g]5 .
-#_ ;+rfnsx?sf] sfo{sfn $ jif{ x'g]5 .
-$_ jflif{s ;fwf/0f ;ef x'g' cufj} s'g} ;~rfnssf] kb l/Qm x'g' cfPdf afFsL cjlwsf
nflu ;~rfnssf] lgo'lQm h'g k|lqmofaf6 ;~rfns lgo'Qm ePsf] lyof] ;f]xL
k|lqmofaf6 ul/g]5 . s'g} ;~rfnssf] sfo{sfn k"/f gx'Fb} aLrdf kb l/Qm eO{ ;f]
kbdf lgo'Qm ePsf] ;~rfnssf] sfo{sfn h'g ;+rfnssf] kb l/Qm eO{ lgo'lQm
ePsf] xf] ;f] ;+rfnssf] afFsL sfo{sfn ;Ddsf] nflu dfq x'g]5 .
t/ jflif{s ;fwf/0f ;ef4f/f lgo'Qm ul/Psf] ;~rfnssf] kb s'g} Aoxf]/fn] l/Qm
ePdf ;f] l/Qm :yfgdf csf]{ ;fwf/0f;ef;Ddsf] nflu ;~rfns ;ldltn] ;~rfns
lgo'Qm ug]{5 .
-%_ ;+ul7t ;+:yfn] ;~rfns lgo'Qm ubf{ lghsf] a}slNks ;~rfns klg lgo'lQm ug{
;Sg]5 .
-^_ o; sDkgL k|yd jflif{s ;fwf/0f ;ef geP;Dd ;+:yfksx? g} k|yd ;~rfns
x'g]5g\ .
-&_ ;+rfns ;ldltsf ljleGg kbflwsf/Lx?sf] cf–cfkm\gf] cGo sfd, st{Jo / clwsf/
;DaGwdf jflif{s ;fwf/0f ;efsf] lg0f{oaf6 ljlgod jgfO{ tf]lsP adf]lhd x'g]5 .
!$= ;~rfns k'gM lgo'Qm x'g ;Sg] jf g;Sg] M Ps k6s ;~rfns e};s]sf] AolQm k'g M
;~rfnsdf lgo'Qm x'g ;Sg] 5 .
!%= ;~rfnssf] kfl/>lds eQf / ;'ljwf ;DaGwL Aoj:yf M
-!_ o; sDkgLsf] ;+rfnsx?n] lgoldt tna ;'lawf lng kfOg] 5}g
-@_ pklgod -!_ df h'g;'s} s'/f pNn]v ul/Psf] ePtfklg klxnf] ;fwf/0f ;ef
geP;Dd To:tf] kfl/>lds, a}7s eQf tyf cGo ;'ljwf ;~rfns ;ldlt cfkm}n]
tf]Sg ;Sg]5 .
t/ o;/L Psk6s tf]lsPsf] kfl/>lds eQf tyf ;'ljwf k|yd ;fwf/0f
;ef geP;Dd kl/jt{g ug{ ;lsg] 5}g .
!^= ;+rfnssf] of]Uotf M k|aGw kqdf pNn]v eP ad]flhd x'g]5 .
!&= ;~rfns ;ldltsf] sfd st{Ao / clwsf/x?M ;+rfns ;ldltsf] sfd, st{Jo / clwsf/
P]g adf]lhd x'g]5 . ;fy} ;fwf/0f ;efn] ;do–;dodf tf]lslbP adf]lhd x'g]5 .
!*= clwsf/ k|Tof]hg ;DaGwL Aoj:yf M
-!_ ;+rfns ;ldltn] cfˆgf] clwsf/ k|Tofof]hg ug{ ;Sg]5 . sDkgL ;+rfng ;DaGwL
;Dk"0f{ ljifodf ;+rfnsx?sf] pk;ldlt jf s'g} ;+rfns jf kbflwsf/LnfO{ clwsf/
k|Tofof]hg ug{ ;Sg]5 .
t/ ;+rfns ;ldltn] sDkgLnfO{ k|fKt lgDg clwsf/x? k|Tofof]hg ug{ kfpg] 5}g /
To:tf clwsf/x? ;+rfns ;ldltsf] a}7saf6 kfl/t lg0f{o cg';f/ dfq k|of]u ug'{
kg]{5 M–
-s_ sDkgLsf] sf]ifdf /x]sf] /sd nufgL ug]{ clwsf/ ,
-v_ C0f lbg] clwsf/ .
-@_ ;~rfns ;ldltn] cfkm" dWo]sf s'g} ;~rfnsnfO{ jf sDkgLsf] s'g} sd{rf/LnfO{
PSn} jf ;+o'Qm ?kdf sDkgLsf] tkm{af6 s'g} klg sfd sf/jfxL ug{, n]vfk9L ug{
 ljlgdo clwsf/ kq jf r]s cfbLdf ;lx5fk ug{ ;d]t ;a} jf s]xL clwsf/
k|Tofof]hg u/L cfˆgf] k|ltgLlw v8f ug{ ;Sg]5 . To;/L clwsf/ k|Tofof]hg ubf{
;+rfns ;ldltsf] lg0f{ofg';f/ sDtLdf Ps hgf ;~rfns / sDkgL ;lrj eP
lghn] ;f] s'/f k|df0fLt ug'{ kg]{5 .
!(= k|aGw ;~rfns ;DaGwL Aoj:yf M
-!_ k|aGw ;+rfnssf] lgo'lQm cfjZostf cg';f/ ;+rfns ;ldltsf] lg0f{oåf/f ug{
;lsg]5 .
-@_ lghsf] sfd st{Jo / clwsf/ ;+rfns ;ldltn] tf]s] adf]lhd x'g]5 .
-#_ lghsf] kfl/>lds tyf ;]jfsf cGo zt{x? s/f/åf/f lglZrt ul/g]5 .
@)=k|d'v sfo{sf/L clws[t ;DaGwL Joj:yf M
!= cfjZostf cg';f/ k|d'v sfo{sf/L clws[tsf] lgo'lQm ;+rfns ;ldltsf] lg0f{oåf/f ug{
;lsg]5 .
@= lghsf] of]Uotf, sfd, st{Jo, lhDd]jf/L / clwsf/, kfl/>lds tyf ;]jfsf cGo zt{x?
s/f/åf/f lglZrt ul/g]5 .
@!= ;+rfns ;ldltsf] a}+7s s;n] af]nfpg] xf] ;f] s'/fsf] Joj:yf M sDkgLsf] ;+rfns
;ldltsf] cWoIf jf lghn] tf]s]sf] JolQmn] ;+rfns ;ldltsf] a}+7s af]nfpg] 5 .
@@= ;~rfns ;ldltsf] a}7s ;DaGwL sfo{ljlw M
-!_ ;~rfns ;ldltsf] a}7s cfjZostf cg';f/ lgod @! df n]lvPsf] kbflwsf/Ln]
af]nfpg]5 . To;/L a}7s gaf]nfPdf s'n ;~rfns ;+Vofsf] sDtLdf kRrL; k|ltzt
;~rfnsx?n] dfu u/]df To:tf] kbflwsf/Ln] !% -kGw|_ lbg leq ;~rfns ;ldltsf]
j}+7s af]nfpg' kg]{5 . o;/L dfu ubf{ klg a}7s gaf]nfPdf ;f] s'/f v'nfO{ sDtLdf
@% -kRrL;_ k|ltzt ;~rfnsx?n] a}7sdf 5nkmn x'g] ljifodf / a}7s a:g] ;do
tyf :yfg pNn]v u/L ;~rfns ;ldlt a}7s af]nfpg ;Sg]5g\ . o;/L a}7s
af]nfpFbf cGo ;~rfnsx?nfO{ pklgod -@_ cg';f/ a}7sdf ;"rgf lbg'kg]{5 .
-@_ ;~rfns ;ldltsf] a}7ssf] ;"rgf ;~rfnsn] pNn]v u/]sf] 7]ufgfdf lnlvt ?kdf
jf ljB'tLo ;~rf/ dWodaf6 lbg ;lsg]5 . ;+rfns cfkm} j}+7sdf pkl:yt eO{
lg0f{o adf]lhd hfgsf/L u/L ;lx5fk u/]df lnlvt ;"rgf lbg' kg]{ 5}g .
-#_ ;~rfnsx? ;~rfns ;ldltsf] a}+7sdf :jod\ pkl:yt x'g'kg]{5 .
t/ a}slNks ;~rfns lgo'Qm ug]{ ;+ul7t ;+:yfsf] k|ltlglwTj ug]{ ;~rfns
cg'kl:ylt ePsf] cj:yfdf lghsf] a}slNks ;~rfns pkl:yt x'g ;Sg]5
-$_ ;~rfnsx?sf] s'n ;+Vofsf] sDtLdf %!-PsfpGg_ k|ltzt ;~rfnsx? pkl:yt
geO{ ;~rfns ;ldltsf] a}7s x'g]5}g .
t/ u0fk"/s ;+Vof gk'uL ;~rfns ;ldltsf] a}7s x'g' g;s]df sDtLdf #
-tLg_ lbgsf] ;"rgf lbO{ csf]{ a}7s af]nfpg ;lsg]5 . To:tf] a}7sdf klg u0fk"/s
;+Vof gk'u]df pkl:yt ;~rfnsx?n] u/]sf] sfd sf/afxL tyf lg0f{o dfGo x'g]5 .
-%_ ;~rfns ;ldltsf] a}7ssf] cWoIftf ;~rfns ;ldltsf] cWoIfn] ug]{5 . lghsf]
cg'kl:yltdf a}7sdf pkl:yt ;~rfnsx?n] cfkm" dWo]af6 5fg]sf] ;~rfnsn]
cWoIftf ug]{5 .
 -^_ ;~rfns ;ldltsf] a}7sdf ax'dtsf] lg0f{o dfGo x'g]5 / dt a/fa/ ePdf
cWoIfn] lg0ff{os dt lbg ;Sg]5 .
t/ ;~rfns ;ldltsf] a}7sdf cfk\mgf lghL ;/f]sf/ jf :jfy{ ePsf] ljifodf
x'g] 5nkmndf s'g} ;+rfnsn] efu lng jf dtbfg ug{ kfpg] 5}g .
-&_ ;~rfns ;ldltsf] s'g} a}7ssf] lg0f{odf c;xdt x'g] s'g} cfkm\gf] c;xdt hgfO{
/fo n]Vg jf /fVg kfpg]5 .
-*_ o; lgodfjnLdf cGoq h'g;'s} s'/f n]lvPsf] ePtfklg ;~rfns ;ldltn] ug{
kfpg] s'g} sfdsf] ;DaGwdf ;~rfns ;ldltsf ;a} ;b:ox? lnlvt ?kdf ;xdt
ePdf To:tf] ;xdltnfO{ lg0f{o k'l:tsfdf ;+nUg u/L To:tf] sfd a}7s ljgf klg
ug{ ;lsg]5 . To:tf] ;xdltnfO{ ;+rfns ;ldltsf] a}7ssf] lg0f{o ;/x dflgg]5 .
@#= ;~rfns ;ldltsf] lg0f{o clen]v M
-!_ ;~rfns ;ldltsf] a}+7sdf 5nkmn ePsf] ljifo / tT;DaGwdf ePsf] lg0f{osf]
ljj/0f -dfOGo"6_sf] 5'§} clen]v /fVg' kg]{5 / ;f] clen]vdf j}7sdf pkl:yt ;Dk"0f{
;~rfnsx?dWo] sDtLdf PsfpGg k|ltzt ;~rfnsn] ;xL ug{' kg]{5.
t/ a}7sdf pkl:yt s'g} ;~rfnsn] lg0f{osf] ljj/0fdf ;xL gu/]s} sf/0faf6
To:tf] lg0f{o cdfGo ePsf] dflgg] 5}g .
-@_ ljB'tLo ;~rf/ jf sDKo'6/sf] k|of]u ug]{ eP To:tf] ljB'tLo ;~rf/ ;fwg
sDKo'6/sf] dfWoaf6 klg lg0fo{sf] ljj/0f /fVg ;lsg]5 . o;/L lg0f{osf] ljj/0f /fVg]
eP lg0f{o Joxf]/f km]/jbn ug{ gkfpg] kof{Kt Aoj:yf ug{' kg]{ 5 .
-#_ sDkgLsf lg0f{ox? ;b:ox?n] lg/LIf0f ug{ rfx]df sfo{fno ;do leq lg/LIf0f ug{
lbg' kg]{5 .
@$= ;b:o tyf ;+rfnsx?sf] cfrf/;lx+tf M sDkgLn] sf/f]jf/ u/]sf] Ps jif{ leq sDkgLsf
;b:o, ;+rfns tyf kbflwsf/Lx?n] kfngf ug'{ kg]{ cfrf/;lx+tf ;fwf/0f ;efaf6 agfO{
nfu" ug]{5 .

kl/R5]b $
lx;fjlstfa, n]vf tyf n]vfk/LIf0f
@%= sDkgLsf] vr{ ;DaGwL Joj:yf M–
!= o; sDkgLdf k'/f ;do sfd ug]{ kbflwsf/L jf ;b:on] kfpg] tna, a}7s eQf, cGo
;'ljwf tyf sDkgLsf] ;+:yfkgf / sDkgL ;+rfng ubf{ nfUg] vr{ sDkgLsf] k"FhLut
cj:yf tyf d'gfkmfnfO{ cfwf/ agfO{ sfof{non] tf]lslbP jdf]lhd x'g]5 .
@= pklgod ! jdf]lhd ;+rfns jf ;b:on] kfpg] tnj, a}7s eQf / cGo ;'ljwf tf]Sg]
k|of]hgsf] nflu sDkgLn] cfkm\gf] kF"hLut cj:yf x'g ;Sg] jf ePsf] cfDbfgL /
d'gfkmf tyf tf]Sg' kg]{ k|:tfljt tna eQf / ;'ljwfsf] cfwf/ Pj+ sf/0f tyf
To:tf]tna, eQf, ;'ljwf e'QmfgL ug]{ >f]t ;d]t v'nfO{ sfof{nodf k]z ug]{5 .
#= sDkgLdf sfd ug]{ sd{rf/L jf ;Nnfxsf/x?sf] kfl/>lds tyf ;'ljwf ;+rfns
;ldltn] tf]s] cg';f/ x'g]5 .
$= pklgod -@_ df h'g;'s} s'/f n]lvPsf] ePtfklg sDkgLsf] s'g} ;b:o jf kbflwsf/Lsf]
glhssf] gft]bf/nfO{ s'g} j}tlgs sd{rf/L jf ;Nnfxsf/ lgo'Qm ubf{ ;fwf/0f ;efsf]
 k"j{ :jLs[lt lng' kg]{5 / #% lbg leq o:tf sd{rf/L jf ;Nnfxsf/ kfpg] tna tyf
;'ljwfsf] af/]df sfof{nonfO{ lnlvt hfgsf/L lbg' kg]{5 .
@^= sDkgLsf] lx;falstfa, vft ;+rfng / n]vf tyf n]vfk/LIf0f ;DaGwL Joj:yf M
-!_ o; sDkgLsf] n]vf tyf lx;falstfa k|rlnt sfg"g cg';f/ clwsf/ k|fKt lgsfon]
lgwf{/0f u/]sf] n]vf dfkb08 cg'?k tof/ ul/g]5 .
-@_ sDkgLn] /fVg'kg]{ lx;falstfadf k|lt lbgsf] sf/f]af/ :ki6 b]lvg] u/L cBfjlws
?kdf /fVg'kg]{5 .
-#_ P]g adf]lhd o; sDkgLn] cfkm\gf] lx;falstfa n]vfk/LIf0f u/fpg] 5 .
-$_ pklgod -#_ adf]lhd lx;falstfa n]vfk/LIf0f u/fpg] k|of]hgsf] nflu jflif{s
;fwf/0f ;efaf6 P]g adf]lhd n]vfk/LIfs lgo'Qm ug]{5 . To;/L lgo'Qm ePsf] ldltn]
!% -kGw|_ lbgleq lghsf] gfd sfo{fnodf k7fpg]5 .
t/ k|yd ;fwf/0f ;ef x'g' eGbf cl3 ;~rfns ;ldltn] n]vfk/LIfs lgo'Qm
ug]{5 .
-%_ pklgod -$_ adf]lhd lgo'Qm n]vfk/LIfsn] cfkm"n] n]vfk/LIf0f u/]sf] lx;falstfa /
n]vfaf6 sDkgLsf] af;nft, gfkmf gf]S;fgLsf] lx;fa P+j gub k|afx ljj/0f k|dfl0ft
u/L cfkm"nfO{ lgo'Qm ug]{ clwsf/LnfO{ ;Daf]wg u/L cfkm\gf] k|ltj]bg sDkgLnfO{
lbg]5 . sDkgLn] To:tf] k|ltj]bgsf] k|ltlnlk k|To]s ;b:o / sfof{nonfO{ k7fpg'
kg]{5 .
-^_ sDkgLsf] cBfalws lx;fa lstfa s'g} ;b:on] lg/LIf0f ug{ rfx]df sfof{no
;doleq oyfzL3| lg/LIf0f ug{ lbg' kg]{5 .
-&_ sDkgLsf] n]vfk/LIf0f k|ltj]bg / jflif{s sfo{ k|ultsf] ljj/0fsf] Ps Ps k|lt sDkgL
/lhi68{ sfof{no |;dfh sNof0f kl/ifb nufotsf ;DalGwt lgsfodf k]z ul/g]5 .

kl/R5]b %
ljljw
@&= ;b:o, ;+rfns / kbflwsf/LnfO{ lbOg] tyf lghaf6 k|fKt x'g] ;"rgf M sDkgL ;b:o,
;+rfns jf kbflwsf/LnfO{ / ;b:o, ;+rfns jf kbflwsf/Lx?n] sDkgLnfO{ s'g} ;"rgf
jf hfgsf/L oyf;dodf ljB'tLo ;+rf/ dfWod jf lnlvt ?kdf kqfrf/ u/L jf cGo s'g}
dfWodaf6 lbg ;Sg]5 .
@*= sDkgL ;lraM
-!_ ;+rfns ;ldltn] sDkgL P]g, @)^# sf] bkmf !*% adf]lhd of]Uotf k'u]sf]
JolQmnfO{ cfjZostf cg';f/ sDkgL ;lrjsf] kbdf lgo'Qm ug{ ;Sg]5 .
-@_ pkbkmf -!_ cg';f/ lgo'Qm sDkgL ;lrjsf] sfd st{Jo / clwsf/ sDkgL P]g,
@)^# sf] bkmf !*^ tyf ;fwf/0f ;ef / ;+rfns ;ldltn] tf]s] adf]lhd x'g]5 .
@(= sDkgL 5fk ;DaGwL Aoj:yf M
-!_ sDkgLsf] cfkm\gf] 5fk x'g]5 . sDkgLsf] sf/f]af/df 5fksf] k|of]u ul/g]5 / pQm
5fk sDkgLsf] ;+rfns ;ldlt cWoIfsf] lhDdfdf /xg] 5 .
-@_ cglws[t ?kdf 5fk k|of]u u/L sDkgL pk/ s'g} bfloTj l;h{gf ePdf ;f] 5fk
lhDdf lng] JolQmaf6 To:tf] bfloTj jfkt l;h{gf x'g] /sd c;'n pk/ ul/g] 5 .
#)= k|ltlnkL b:t'/ ;DaGwL Aoj:yf M
-!_ sDkgLsf] k|aGwkq, lgodfjnL, jflif{s cfly{s ljj/0f n]vf k/LIf0f k|ltj]bg ,
;+rfnssf] nut, btf{ k|df0f kq jf sDkgLn] sfof{nodf k]z u/]sf] s'g} lnvtsf]
k|ltlnlk s'g} ;b:o jf c? s'g} ;/f]sf/jfnfn] dfu u/]df ? !).– b:t'/ lnO{
k|ltlnlk lbg' kg]{5 .
-@_ ;fwf/0f ;efsf] sfd sf/afxLsf] ljj/0fsf] k|ltlnlk k|fKt ug{ k|lt k[i7 ?= !))÷–
b:t'/ nfUg]5 .
-#_ ;~rfns ;ldltsf] lg0f{osf] k|ltlnlk k|fKt ug{ k|lt k[i7 ?=%)÷– b:t'/ nfUg]5 .
-$_ ;b:osf] btf{ lstfasf] k|ltlnlk k|fKt ug{ k|lt k[i7 ? @%÷– b:t'/ nfUg] 5 .
#!= sDkgLn] C0f lng] jf lbg] Joj:yf M sDkgLn] sDkgL ;+rfngsf] nflu jf sDkgLsf]
p2]Zo kl/k"lt{sf] nflu C0f lng] lbg] s'/fdf ;fwf/0f ;ef, ;+rfns ;ldltaf6 lg0f{o eP
jdf]lhd x'g]5 .
#@= sDkgL ufleg] s'/f M
-!_ of] sDkgL P]g, @)^# sf] bkmf # sf] pkbkmf ! adf]lhd ;+:yfkgf ePsf] sDkgL;Fu
ufleg ;Sg] 5}g jf To:tf] sDkgLnfO{ cfkm"df ufEg ;Sg] 5}g .
-@_ of] sDkgLdf ;dfg p2]Zo ePsf] s'g} csf]{ d'gfkmf ljt/0f gug]{ sDkgLnfO{ jf To;
sDkgLnfO{ ;dfg p2]Zo ePsf] s'g} d'gfkmf ljt/0f gug]{ sDkgLdf ufEg cfjZos
ePdf ;fwf/0f ;efn] ljz]if k|:tfj kfl/t u/L P]g jdf]lhdsf] k|lqmof k'/f u/L
sDkgLnfO{ ufEg ;Sg]5 .
##= sDkgLsf] vf/]hL M
-!_ sDkgLsf] ;fwf/0f ;efn] cfjZos b]v]df k|rlnt sfg"gsf] clwgdf /xL ljz]if
k|:tfj kfl/t u/L sDkgL vf/]h ug{ ;Sg]5 .
-@_ pklgod -!_ adf]lhd sDkgL vf/]hLsf] k|:tfj kfl/t ubf{ ;fwf/0f ;efn] vf/]hLsf]
sfdsf nflu Ps jf PseGbf a9L lnlSj8]6/ tyf n]vfk/LIfssf] lgo'lQm ug]{5 .
To;/L lgo'lQm ePsf] lnlSj8]6/ tyf n]vfk/LIfssf] kfl/>lds ;fwf/0f ;efn]
tf]lslbP adf]lhd x'g]5 .
-#_ pklgod -@_ adf]lhd lgo'Qm lnlSj8]6/ tyf n]vfk/LIfsn] sDkgLsf] vf/]h
;DaGwL sfd sf/afxL ug]{5g\ .
#$= sDkgLsf] vf/]hL / sDkgLsf] hfoh]yf M s'g} sf/0fa; sDkgL lj36g jf vf/]h ePdf
sDkgLsf] C0f bfloTj e'QmfgL km/–kmf/s u/L afFsL /x]sf] ;Dk"0f{ hfoh]yf g]kfn
;/sf/sf] x'g]5 .
#%= s'g} vf; Aoj;fo ug]{ sDkgLsf] lgodfjnLdf v'nfpg' kg]{ egL k|rlnt sfg"gdf s'g}
Aoj:yf ul/Psf] eP To:tf] s'/f v'nfpg] M xfnnfO{ s'g} To:tf] Joj:yf gul/Psf] .
#^= cGo cfjZos s'/fx? M
-!_ sDkgLsf] cfly{s aif{ >fj0f ! ut] b]lv cfiff9 d;fGt;Dd x'g]5 .
-@_ sDkgL ;:yfkgf e};s]kl5 o;n] leGg} sfg"gL JolQmTj, cljl5Gg pQ/flwsf/–jfnf,
:jfwLg cl:tTj / l;ldt bfloTj ePsf] ;+:yf dflgg]5 .
#&= lgodfjnLdf ;+zf]wg ePdf nfu' x'g] cj:yf M o; lgodfnLdf s'g} ;+zf]wg ug'{ kg]{ ePdf
;fwf/0f ;ef ug]{ sDkgL eP ;fwf/0f ;efdf ljz]if k|:tfj kfl/t u/L jf ;fwf/0f ;ef
 gug]{ sDkgL eP ;j{;Ddt ;Demf}tf jdf]lhd lg0f{o u/L To:tf] lg0f{o sfof{nodf clen]v
ePkl5 dfq lgodfjnL ;+zf]wg ePsf] dflgg]5 .
#*= lgodfjnL jflemPsf] xb;Dd cdfGo x'g] M o; lgodfjnLdf n]lvPsf] s'/f P]g, cGo
k|rlnt sfg'g jf k|jGw–kq;Fu aflemPdf aflemPsf] xb;Dd To:tf] s'/f :jtM jb/ x'g]5
#(= ;+:yfksx?sf] ljj/0f / pb3f]if0f M xfdL æ sf]-ck/]l6e d]g]h;{ SnjÆ sf ;+:yfksx?n]
of] sDkgL ;+:yfkgf u/L k|rlnt sfg'g jdf]lhd ;+rfng ug{ d~h'/ u/]sf 5f}+ . of]
lgodfjnLdf pNn]lvt xfd|f] gfd, 7]ufgf, x:tfIf/, / ;fIfL ;DaGwL Joxf]/f 7Ls ;fFrf] xf] . s'g}
sf/0fn] em'6[f 7xl/g uPdf sDkgL btf{ kZrft\ l;h{gf x'g] bfloTj Joxf]g{ xfdL tof/ 5f}+ . of]
lgodfjnLdf n]lvPsf s'/f ;fFrf] xf], em'6[f 7x/] sfg"g adf]lhd ;xg a'emfpg d~h'/ 5f}+ egL
;lx5fk u/]sf 5f}+ .
;+:yfkssf] gfd, 7]ufgf / afa'sf] gfd gful/stf k|df0f ;fIfLsf] gfd,y/,7]ufgf ;fIfLsf] gful/stfsf]
;lx5fk kq g+= / ;xL5fk k|df0f kq g+= / lhNnf
gful/stf k|fKt
u/]sf] lhNnf
b:tvt M– vu]Zj/ (@&#% b:tvt M–
!_ gfd M– >L k|sfz /]UdL /]UdL uf]/vf !_ gfd M– =
7]ufgf M– uf]/vf lhNnf 7]ufgf M– = gful/stf g+
s]/fjf/L uf=lj=j8f g+=% sf] bf= jf=
xfn
==================ufp{kflnsf
j8f g+=======
bf= jf=
b:tvt M– b:tvt M–
@_ gfd M– >L lji0f' k|;fb ndh'Ë @_ gfd M– =
9sfn 7]ufgf M– = gful/stf g+
7]ufgf M– ndh'Ë bf= jf=
lhNnf enfof]vs{
uf=lj=;=j8f g+ # sf] xfn
/fOgf; gu/kflnsf j8f
g+ ===========
bf= jf=
b:tvt M– =====Gof}kfg] b:tvt M–
#_ gfd M– >L /]zd Gof}kfg] uf]/vf #_ gfd M– =
uf]/vf lhNnf vf]Knf'Ë 7]ufgf M– = gful/stf g+
uf=lj=;=j8f g+ %sf] xfn bf= jf=
kfn''Ë6f/ gu/kflnsf j8f
g+ !
bf= jf=
b:tvt M– b:tvt M–
$_ gfd M– >L /ljGb| ;fxf /f}tx6 $_ gfd M– =
7]ufgf M– /f}tx6 lhNnf 7]ufgf M– = gful/stf g+
sf7df08f}+ dxfgu/kflnsf bf= jf=
j8f g+ ====
bf= jf=
b:tvt M– ###^( /fd]5fk b:tvt M–
%_ gfd M– >L /fwf s8/Lof d's'Gb %_ gfd M– =
7]ufgf M– /fd]5fk lhNnf k|;fb 7]ufgf M– = gful/stf g+
=============== uf=lj=;=j8f g+ s8/Lof bf= jf=
* sf] xfn ====== ufp+kflnsf
j8f g+ @
bf= jf=

lgodfjnL d:of}bf stf{sf] b:tvtM–

gfdM–/fdrGb| cfrfo{
k|df0f kq g+M– ^*!) -clwjQmf_
ldltM– @)&&.)$.
Olt ;Djt @)&& ;fn >fj0f dlxgf ut] /f]h z'ed\======================.
 >Ldfg /lhi6«f/Ho" ldlt M @)&&.)$
sDkgL /lhi6«f/sf] sfof{no
lqk'/]Zj/, sf7df8f}+

ljifo M sDkgL ;+:yfkgf u/L kfFp .

dxf]bo,
xfdLnfO gfd æ sf]-ck/]l6e d]g]h;{ SnjÆ gfdsf] sDkgL ;+:yfkgf ug]{ OR5f ePsf] xF'bf
sDkgL P]g @)^# sf] bkmf $ sf] pkbkmf -!_ adf]lhd sDkgL ;+:yfkgf ug{ tkl;n adf]lhdsf
sfuhftx? ;+nUg /fvL of] lgj]bg k]z u/]sf 5f}+ . pQm sDkgL xfd|f] gfddf btf{ u/L kfFp . ;fy} xfn
;Dd xfdLn] ;/sf/L jf ;j{hlgs ;+:yfgx?nfO{ ltg{ a'emfpg kg]{ afFls aSof}tf gePsf] ,afFls
b]vLPdf sfg'g adf]lhd ltg{ a'emfpg / ;hfo ef]Ug tof/ 5f}+ elg of] sa'lnotgfdf ;d]t
ub{5f} . ct Mdfu adf]lhd pQm sDkgL xfd|f] gfddf btf{ u/L kfFp .
tkl;n
!= k|aGw kq tyf lgodfjnL @÷@ k|lt
@= ;+:yfksx?sf] gful/stf k|df0fkqx?sf k|ltlnlk yfg $
#=pko'{Qm Jof]xf]/f 7Ls ;fFrf] 5, e'm¶f 7x/] sfg"g adf]lhd ;xf}+nf a'emfpFnf .
!_ gfd M– >L k|sfz /]UdL
7]ufgf M– uf]/vf lhNnf s]/fjf/L uf=lj=j8f g+=% sf] xfn ==================ufp{kflnsf j8f g+=======
b:tvt M–
@_ gfd M– >L lji0f' k|;fb 9sfn
7]ufgf M– ndh'Ë
lhNnf enfof]vs{ uf=lj=;=j8f g+ # sf] xfn /fOgf; gu/kflnsf j8f g+ ===========
b:tvt M–
#_ gfd M– >L /]zd Gof}kfg] uf]/vf lhNnf vf]Knf'Ë uf=lj=;=j8f g+ %sf] xfn kfn''Ë6f/
gu/kflnsf j8f g+ !
b:tvt M–
b:tvt M–
$_ gfd M– >L /ljGb| ;fxf
7]ufgf M– /f}tx6 lhNnf sf7df08f}+ dxfgu/kflnsf j8f g+ ====
b:tvt M–
%_ gfd M– >L /fwf s8/Lof
7]ufgf M– /fd]5fk lhNnf =============== uf=lj=;=j8f g+ * sf] xfn ========== ufp+kflnsf j8f g+
>Ldfg\ /lhi6«f/Ho", ldltM–@)&&.)$.
sDkgL /lhi6«f/sf] sfof{no,
lqk'/]Zj/, sf7df08f} .

ljifoM– clVtof/gfdf lbOPsf] ;DaGwdf .

dxf]bo,

lgj]bg of] ub{5f}+ ls xfd|f] o; æ sf]-ck/]l6e d]g]h;{ SnjÆ] sDkgL btf{ ;DalGw sfdsf nflu
xfdL :jod\ sfof{nodf pkl:yt x'g' kg]{df ljljw Jofj;flos sf/0fn] ubf{ pkl:yt x'g g;s]sf] x'Fbf sfg'gn]
clVtof/L lbg ldNg] b]xfo adf]lhd b:tvt gd'gf ePsf sf7df8f}+ lhNnf sf7df8f}+ dxfgu/klnsf j8f g+=
!! j:g] jif{ $$ sf /fdrGb| cfrfo{nfO{ lghsf] kl/ro v'Ng] k|df0f kqsf] k|ltlnlk ;FnUg /flv clVtof/gfdf
lbO{ k7fPsf 5f}+ . To; sfof{noaf6 o; sDkgLsf gfddf x'g] pk/f]Qm pNn]lvt sfdsf nflu sfuhftx?
a'em\g a'emfpg o; sDkgLsf] k"0f{ d~h'/L 5 . lghn] u/]sf] sfddf kl5 s'g} lsl;dsf] bfjL lj/f]w ph'/
jfh'/ ug]{ 5}gf} .
================================== = lgj]bsx?
-clVtof/jfnfsf] b:tvt_

!_ gfd M– >L k|sfz /]UdL

7]ufgf M– uf]/vf lhNnf s]/fjf/L uf=lj=j8f g+=% sf] xfn ==================ufp{kflnsf j8f g+=======
b:tvt M–
@_ gfd M– >L lji0f' k|;fb 9sfn
7]ufgf M– ndh'Ë
lhNnf enfof]vs{ uf=lj=;=j8f g+ # sf] xfn /fOgf; gu/kflnsf j8f g+ ===========
b:tvt M–
#_ gfd M– >L /]zd Gof}kfg] uf]/vf lhNnf vf]Knf'Ë uf=lj=;=j8f g+ %sf] xfn kfn''Ë6f/
gu/kflnsf j8f g+ !
b:tvt M–
b:tvt M–
$_ gfd M– >L /ljGb| ;fxf
7]ufgf M– /f}tx6 lhNnf sf7df08f}+ dxfgu/kflnsf j8f g+ ====
b:tvt M–
%_ gfd M– >L /fwf s8/Lof
7]ufgf M– /fd]5fk lhNnf =============== uf=lj=;=j8f g+ * sf] xfn ============= ufp+kflnsf j8f g+