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PDF Makalah Critical Book Review Lembaga Keuangan Dan Perbankan Dosen Pengampu - Compress PDF
PDF Makalah Critical Book Review Lembaga Keuangan Dan Perbankan Dosen Pengampu - Compress PDF
NEYFK XFKJB@XV 7
NMYVYVK EAFD 7
LBCVA^BY FCEKE@M ’
@FNBK
@B_ID ?8?8
CB^B XFKJBK^B_
Xugmm syucur
Xug syucur cfpbnb
cfpbnb tudbk
tudbk ybk
ybkj
j `bd
`bdb
b fsb
fsb ybk
ybkj
j tfa
tfabd
bd sfkbk
sfkbkbsb
bsb `f`of
`f`ofrcb
rcb
nbab`
nbab`
`fkyfafsbmcbk Irmiba Oeec _fvmfw (IO_), bnbpuk tujbs mkm nmcfrgbcbk uktuc `f`fkudm `btb cuambd
af`objb
af`objb cfubk
cfubkjbk
jbk nbk pfro
pfrobkcbk.
bkcbk. Ybyb tfabd `fkyusu
`fkyusuk
k ior mkm nfkjbk
nfkjbk sfobmc-ob
sfobmc-obmckyb
mckyb tftbpm
`ukjcmk `bsmd bnb cfcurbkjbk uktuc `fkibpbm cfsf`purkbbk. Ybyb sfabcu pfkuams `fkfrm`b
ofrobjbm crmc ybkj smlbtkyb `f`obkjuk bjbr ior mkm `fkgbnm afomd obmc abjm.
Nbab` pfkuamsbk `bcbabd mkm sbyb sb`pbmcbk uibpbk tfrm`b cbsmd ybkj tbc tfrdmkjjb cfpbnb
pmdbc-pmdb
pmdbc-pmdbc
c ybkj `f`obktu nbab` `fkyfafs
`fkyfafsbmcbk
bmcbk `bcbabd
`bcbabd mkm cdususkyb
cdususkyb cfpbnb obpbc nesfk
pfkjb`pu, sfabcu pf`om`omkj `btb cuambd fceke`m af`objb cfubkjbk nbk pfrobkcbk ybkj tfabd
`faubkjcbk wbctu,tfkbjb nbk pmcmrbk nbab` pfabcsbkbbk om`omkjbk, pfkjbrbdbk, nerekjbk nbab`
Yfabkgutkyb, sbyb ofrdbrbp sf`ejb IO_ mkm omsb `f`ofrmcbk `bklbbt sfrtb `fkb`obd
wbwbsbk objm pbrb pf`obib. Yf`ejb IO_ mkm nbpbt nmpbdb`m objm smbpbpuk ybkj `f`obibkyb.
Yfofau`kyb sbyb `edek `bbl bpbomab tfrnbpbt cfsbabdbk nbk cbtb-cbtb ybkj curbkj ofrcfkbk.
Xfkuams
2. Mn
Mnfk
fktm
tmtb
tbss ou
oucu
cu
Xfrpus
Xfrpustbc
tbcbbk
bbk Kbsmek
Kbsmekba7
ba7cbt
cbtbae
baej
j nbab`
nbab` ^fromt
^fromtbk
bk (CN^)
(CN^) XF_OBK
XF_OBKCBK
CBK
Y]B_MBD ( Nbsbr-nbsbr nbk nmkb`mcb pfrcf`obkjbkkyb nmmknekfsmb)
Fn. 2. ift.2.-Gbcbrtb 7_bgbwbam pfrs,?82<
xvmm,9>< da`.,?9 i`
oamoamejrblm7da`.999
MYOK =:4-=:=-:<=-44>-9
?. ^u
^ugu
gubk
bk Xf
Xfku
kuam
amsb
sbk
k Ouc
Oucu
u
Oucu
Oucu mkm
mkm nm
nmsu
susu
suk
k nfkjbk
nfkjbk `bcsu
`bcsun
n uktuc
uktuc `f`of
`f`ofrm
rmcb
cbk
k subtu
subtu batfrk
batfrkbtm
btmll bi
biub
ubk
k objm
pfkjbgbrbk nbk pfknmnmcbk fceke`m msab`,cdususkyb pbnb tmkjcbt pfrjurubk tmkjjm
`fkjmk
`fkjmkjbt
jbt `bs
`bsmd
md `mk
`mkm`k
m`kyb
yb ouc
oucu-o
u-oucu
ucu nbk rfl
rflfrfk
frfksm
sm ybk
ybkj
j stbk
stbknbr
nbrn
n sfo
sfobjb
bjbm`b
m`bkb
kb ybk
ybkj
j
tfrsfnmb nbab` fceke`m
f ceke`m cekvfksmekba.
Oucu mkm nmtuams bjbr ofr`bklbbt nbk nmdbrbpcbk `b`pu `f`ofrmcbk pf`bdb`bk tfktbkj
nbsbr-nbsbr
nbsbr-nbsbr nbk nmkb`
nmkb`mcb
mcb pfrcf
pfrcf`obkj
`obkjbk
bk pfrob
pfrobkcbk
kcbk sybrmbd nmmkn
nmmknekfsmb
ekfsmb ybkj tfktu sbgb
sbkjbt ofr`bk
ofr`bklbbt
lbbt objm `bdbsm
`bdbsmswb,bc
swb,bcbnf`ms
bnf`msm,nbk
m,nbk prbct
prbctmsm
msm nmomn
nmomnbkj
bkj ducu
ducu`,fce
`,fceke`m
ke`m,nbk
,nbk
sybrmbd.
Yf`ejb rfsfksm oucu mkm bcbk `f`biu pbrb pf`obib uktuc `fkjfcpaerbsm afomd gbud nbk
`f`ofrmcbk
`f`ofrmcbk `bklbbt objm pfrcf
pfrcf`obkj
`obkjbk
bk ma`u pfkjftbdubk.
pfkjftbdubk. `ede
`edek
k `bbl bpbomab bnb sbabd
pfkuamsbk btbupuk pfkyb`pbmbk cbrfkb sf`ub ybkj obmc nbtbkjkyb
nbtbkjkyb nbrm baabd nbk ybkj ouruc
nbtbkjkyb nbrm `bkusmb.
Obo 28 7 Xfrbk Af`objb Ytbknbrn Yfttfr nbab` Xfkjf`obkjbk Xrenuc Ducu` nbk Xrbctmc
Xfrobkcbk Yybrmbd
Obo 22 7Xframknukjbk Ducu` Objm Kbsbobd Xfrobkcbk Yybrmbd eafd Etermtbs Gbsb Cfubkjbk
Xfrobkcbk bnbabd af`objb ybkj `f`pukybm pfrbk pfktmkj nbab` sfoubd kfjbrb ybmtu
`fkjdm
`fkjdm`pu
`puk
k nbk
nbkbb nbr
nbrmm `bs
`bsybr
ybrbcb
bcbtt nba
nbab`
b` ofk
ofktuc
tuc sm`
sm`pbk
pbkbk
bk nbk `fk
`fkyba
ybaurc
urcbk
bk cfp
cfpbnb
bnb
`bsybrbcbt nbab` ofktuc crfnmt btbu ofktmc-ofktuc abmkkyb.
Gmcb nmt
nmtmkg
mkgbu
bu nbr
nbrmm bsp
bspfc
fc duc
ducu`
u` pfr
pfrusb
usbdbb
dbbk,c
k,ceks
ekstru
trucsm
csm duc
ducu`
u` nbr
nbrmm sfo
sfoubd
ubd obk
obkc
c obm
obmc
c
cekvfksmekba `bupuk sybrmbd nbpbt ofrupb pfrsfrebk tfrobtbs (X^), cepfrbsm, pfrusbdbbk
nbfrbd.Xbnb obkc cekvfksmekba af`objb pfkjbwbs ybkj bnb dbkybabd ce`msbrms nbrm sfjm
mktfrkba nbk Etermtbs Gbsb Cfubkjbk nbrm sfjm fcstfrkba.
OBO ? 7 M@XAF
M@XAF@F
@FK^B
K^BYM
YM X_MK
X_MKYMX
YMX-X
-X_MK
_MKYMX
YMX XF_
XF_GB
GBKGM
KGMBK
BK MYAB
MYAB@
@ NBAB
NBAB@
@
X_ENVC XF_OBKCBK Y]B_MBD
Nbab` ba-qur'bk sfknmrm sftmnbckyb bnb ? mstmabd ybkj ofrcbmtbk nfkjbk pfrgbkgmbk,ybmtu
bcbn nbk 'bdn. Bcbn bnbabd sfoubd pfrgbkgmbk ybkj `fkm`ouacbk cfwbgmobk ofrprfstbsm pbnb
sbabd sbtu pmdbc nbk dbc objm pmdbc abmk btbs prfstbsm tfrsfout sfibrb tm`oba obamc.
Yfibrb jbrms ofsbr cfjmbtbk epfrbsmekba obkc sybrmbd nbk obkc cekvfksmekba nbpbt nmobjm
`fkgbnm tmjb cbtfjerm ybmtu cfjmbtbk pfkjdm`pukbk nbkb, cfjmbtbk pfkybaurbk nbkb btbu
pf`ombybbk, gbsb obkc. Xrenuc obkc sybrmbd ybkj nmnbsbrcbk pbnb bcbn guba ofam ybmtu
`urbobdbd, mstmsdkb, sbab`. Xrenuc obkc sybrmbd ybkj nmnbsbrcbk pbnb bcbn objm dbsma ybmtu
`undbrbobd nbk `usybrbcbd. Xbnb bcbn sfwb-`fkyfwb ybmtu mgbrbd/sfwb `urkm nbk mgbrbd
OBO 9 7 X_EN
X_ENVC
VC XF_OBKCBK
XF_OBKCBK Y]B_MBD
Y]B_MBD NMOMNBKJ XFKJDM@
XFKJDM@XVK
XVK NBKB
@BY]B_BCB^
Xrenuc pfkjdm`pukbk nbkb ybkj bnb nbab` smstf` pfrobkcbk sybrmbd tfrnmrm nbrm Jmre,
^boukjbk nbk Nfpesmte. Xbnb prenuc sybrmbd ofrupb jmre sfobjbm prenuc sm`pbkbk ybkj omsb
nmb`om
nmb`omaa sfw
sfwbct
bctu-w
u-wbct
bctu
u omb
ombsbk
sbkyb
yb `fk
`fkjju
jjukbc
kbcbk
bk bcb
bcbn
n wbn
wbnmbd
mbd ybn ndb
ndb`bk
`bkbd,
bd,ybm
ybmtu
tu sub
subtu
tu
tmtmpbk nm`bkb obkc sfabcupmdbc ybkj nmtmtmpm ofrdbc `fkjjukbcbk nbkb tfrsfout nfkjbk
`fkjjukbcbk cftfktubk sfwbctu-wbctu kbsbobd `bu `fkjb`oma obkc nbpbt `fkyfnmbcbk
nbkb sfgu`abd ybkj nmsm`pbk eafd kbsbobd.
@fcbkm
fcbkms`f
s`f pfkjd
pfkjdm`puk
m`pukbk
bk nbkb eafd obkc sybrmbd `fabaum prenu
prenuc
c ofrup
ofrupbb tbouk
tboukjbk
jbk nbk
nfspesmte ombsbkyb nmnbsbrcbk pbnb bcbn `undbrbobd `utabqbd,ybmtu bcbn `undbrbobd ybkj
`f`ofrmcbk cfofobsbk cfpbnb `undbrmo (OBKC) uktuc `f`prenuctmlcbk nbkb ybkj bnb
`famputm gfkms usbdb nbk rubkj amkjcupkyb.
M`paf`fktbsm bcbn guba ofam `frupbcbk sbabd sbtu ibrb ybkj nmtf`pud obkc nbab` rbkjcb
`fkybaurcbk nbkb cfpbnb `bsybrbcbt. @undbrbobd nmbrtmcbk sfobjbm subtu pfrgbkgmbk bktbrb
obkc nfkjbk kbsbobd nbab` ofktuc pf`ombybbk pf`ofambk btbs sfsubtu obrbkj ybkj
nmoutudcbk eafd kbsbobd .
Ybab` bnbabd guba ofam obrboj nfkjbk ibrb pf`fsbkbk nfkjbk sybrbt-sybrbt tfrtfktu nbk
pf`obybrbk tukbm tfrafomd nbduau sfibrb pfkud. Bnbpuk cftfktubk guba ofam sbab` bnbabd
cftfktubk tfktbkj pf`obybrbk, cftfktubk tfktbkj obrbkj, cftfktubk tfktbkj sbab` pbrbrfa,
pfkybaurbk obrbkj sfofau` btbu pbnb wbctukyb,
wbctukyb, pf`obtbabk cektrbc, pfrsfamsmdbk.
Yfab`b pfrgbkgmbk
pfrgbkgmbk btbu cektrbc `undrbobd
`undrbobd mkm ofrabkjsukj
ofrabkjsukj bnb ofofr
ofofrbpb
bpb dba ybkj pfrau
nmsfpbcbtm ybmtu `bkbgf`fk, tfkjjbkj wbctu nbk gb`mkbk.
Xrenuc pfrobkcbk sybrmbd nmomnbkj gbsb mkm `frupbcbk sbabd sbtu sfcter pfknbpbtbk ybkj
sbbt mkm nmcf`obkjcbk
nmcf`obkjcbk eafd obkc-obkc sybrmbd. Xrenuc pfrobkcbk
pfrobkcbk sybrmbd nmomnbkj
nmomnbkj gbsb
nmnbsbrcbk pbnb bcbn-bcbn ybkj sunbd nmcfkba
nmcfkba nbab` msab` ybmtu dmwbabd,
dmwbabd, wbcbabd, cblbabd,
sdbrl nbk sfobjbmkyb.
Nfkjbk cfbosbdbk subtu pfrgbkgmbk jbnbm ybkj nmabcucbk eafd pmdbc obkc nfkjbk kbsbobd
bnb ofofrbpb rucuk nbk sybrbt ybkj dbrus nmpfkudm ybmtu mgbo qeoua, erbkj ybkj ofrtrbksbcsm,
bnbkyb obrbkj ybkj nmjbnbmcbk, utbkj.
Jij ofrbrtm subtu presfs nbk structur ybkj nmjukbcbk uktuc `fkjbrbdcbk nbk `fkjfaeab
omskms nbk bcuktbomamtbs pfrusbdbbk nfkjbk tugubk utb`b `f`pfrtmkjjmcbk kmabm sbdb` nbab`
gbkjcb pbkgbkj nfkjbk tftbp `f`pfrdbtmcbk
`f`pfrdbtmcbk cfpfktmkjbk stbcfdeanfrs.
Kmabm-kmabm
Kmabm-kmabm sybrmbd pfrobk
pfrobkcbk
cbk sybrmbd
sybrmbd ybmtu sdmnn
sdmnnmq,
mq, tboamj
tboamjd,
d, b`bkbd,
b`bkbd, lbtdbk
lbtdbkbd.
bd. Vktuc
`famdbt pfabcsbkbbk prmksmp jij nmobkc sybrmbd cmtb nbpbt `fabcucbk stunm cbsus tfrdbnbp
cbsus tfrdbnbp sbabd sbtu obkc ybkj `f`ofrmcbk abybkbk sybrmbd `fabaum msab`mi wmknew,
ybmtu obkc kbsmekba mknekfsmb >< (OKM ><).
Ybabd
Ybabd sbtu
sbtu pfkyfo
pfkyfobo
bo nbrm
nbrm af`bdk
af`bdkyb
yb m`paf
m`paf`fk
`fktbs
tbsmm prmksmp
prmksmp JIJ
JIJ nm mkne
mknekfs
kfsmb
mb bnbabd
bnbabd
ofrcfkbbk nfkjbk pfkfjbcbk ducu`
ducu` .
OBO : 7 _FY^_V
_FY^_VC^V
C^V_MY
_MYBYM
BYM XF@OMB
XF@OMB]BB
]BBK
K ]BKJ OF_@BYB
OF_@BYBABD
ABD NBAB@
NBAB@
XF_OBKCBK Y]B_MBD
Lukjsm obkc sybrmbd nbk ukmt usbdb sybrmbd (VVY) ybmtu obkc sybrmbd wbgmo `fkgbabkcbk
lukjsm `fkjdm`puk nbkb nbk `fkybaurcbk nbkb `bsybrbcbt, obkc sybrmbd nbk VVY nbpbt
`fkgbabkcbk lukjsm sesmba nbab` ofktuc obmtua `bba, ybmtu `fkfrm`b nbkb ybkj ofrbsba nbrm
zbcbt, mklbc, sfnfcbd, dmobd, btbu nbkb sesmba abmkkyb nbk `fkybaurcbkkyb cfpbnb erjbkmsbsm
pfkjfaeab zbcbt, obkc sybrmbd nbk uus nbpbt
nbpbt `fkjdm`puk nbkb sebmba ybkj ofrbsba nbrm wbcbl
ubkj nbk `fkybaurcbkkyb cfpbnb pfkjfaeab wbcbl sfsubm nfkjbk cfdfknbc pf`ofrm wbcbl.
Abkjcbd mkm `frupbcbk abkjcbd ybkj `uab-`uab dbrus nmtf`pud eafd obkc sybrmbd. Obkc
sybrmbd
sybrmbd gbkjbk sfrtb `frtb `fabcucbk
`fabcucbk fcsfcu
fcsfcusm
sm gb`mk
gb`mkbk,
bk, `bkbc
`bkbcbab
bab `fkf`
`fkf`ucbk
ucbk kbsbobd
pf`ombybbk ybkj `fkjbab`m cfsuamtbk nbab` `fkukbmcbk
`fkukbmcbk cfwbgmobk `f`obybr bkjsurbk.
Yfibrb u`u` cfcubsbbk pfrbnmabk nbpbt nmofnbcbk `fkgbnm nub ybckm cfcubsbbk rfabtml
nbk cfc
cfcubsb
ubsbbk
bk bos
boseau
eaut.c
t.ce`p
e`pftf
ftfksm
ksm bos
boseau
eautt nmb
nmbrtmc
rtmcbk
bk sfo
sfobjb
bjbmm cfw
cfwfkb
fkbkjb
kjbk
k akj
akjcuk
cukjbk
jbk
pfrbnmabk ofrcbmtbk nfkjbk gfkms pfrcbrb btbu gfkms pfkjbnmabk btbu tmkjcbtbk pfkjbnmabk
nbab` pfrofnbbkkyb nfkjbk gfkms pfrcbrb btbu gfkms pfkjbnmabk btbu tmkjcbtbk pfkjbnmabk
abmkkyb.
Ce`pftfksm rfabtml ybmtu cfwfkbkjbk pfrbnmabk `fkybkjcut pfrbnmabk wmabybd `bk ybkj
ofrwfkbkj nbab` `fkyfafsbmcbk subtu sfkjcftb.
OBO = 7 CFZFK
CFZFKBKJ
BKJBK
BK EGC NBAB@
NBAB@ XFKJ
XFKJB^V
B^V_BK
_BK NBK
NBK XFKJBZ
XFKJBZBYB
BYBK
K
OBKC Y]B_MBD
EGC nm
nmof
ofkt
ktuc
uc nb
nbk
k nm
nmab
abkn
knbsm
bsm nf
nfkj
kjbk
bk pr
prmk
mksmp
smp tb
tbtb
tb cf
cfae
aeab
ab yb
ybkj
kj ob
obmc
mc,, yb
ybmt
mtu
u `f
`fam
ampu
putm
tm
mknfpfnfksm
mknfpfnfksm ,bcuk
,bcuktbomam
tbomamtbs,
tbs, pfrtbk
pfrtbkjjuk
jjukjgbwbo
jgbwbobk,
bk, trbksp
trbkspbrbk,
brbk, nbk cfwbg
cfwbgbrbk.
brbk. Xfkj
Xfkjbwbsbk
bwbsbk
nmabcucbk
nmabcucbk tfrdbnbp obkc nbk pfrusb
pfrusbdbbk-p
dbbk-pfrusbd
frusbdbbk
bbk sfcter gbsb cfubk
cfubkjbk
jbk abmkkyb ybkj
`famputm bsurbksm, nbkb pfksmuk, sfcurmtbs, `enba vfkturb nbk pfrusbdbbk pf`ombybbk ,sfrtb
obnbk-obnbk abmk ybkj `fkyfafkjjbrbcbk
`fkyfafkjjbrbcbk pfkjfaeabbk nbkb `bsybrbcbt.
Nbab` `fabcsbkbcbk tujbs pfkjbturbk nbk pfkjbwbsbk EGC bcbk sfkbktmbsb `famobtcbk
obkc mknekfsmb nbk af`objb pfkgb`mk sm`pbkbk
sm`pbkbk tfrafomd uktuc `fkmknbcabkgutm mknmcbsm obkc
ofr`bsbabd.
OBO 28
28 7 XF_BK AF@OBJB Y^BKNB_N YF^^F_ NBAB@ XFKJF@OBKJB
XFKJF@OBKJBK
K
X_ENVC DVCV@ NBK X_BC^MC XF_OBKCBK Y]B_MBD
C frgb
frgb sb`
sb`bb mkt
mktfrk
frkbsme
bsmekba
kba nmo
nmomnb
mnbkj
kj pfk
pfkjbt
jbturb
urbk
k nbk pfk
pfkjf`
jf`obk
obkjbk
jbk pfr
pfrobk
obkcbk
cbk syb
sybrmbd
rmbd
nmabcucbk eafd etermtbs gbsb cfubkjbk ybkj sfofau`kyb tfabd nmrmktms eafd obkc mknekfsmb.
Abkjcbd strbtfjms mkm `frupbcbk sbabd sbtu upbyb nbab` rbkjcb `fknucukj cfomgbcbk
`fwuguncbk pfrobkcbk sybrmbd kbsmekba ybkj sfdbt, ce`pftmtml nbk mstmqe`bd `fkgbabkcbk
prmksmp sybrmbd.
Ofrobj
Ofrobjbm
bm cf`
cf`bgu
bgubk,
bk,cfrg
cfrgbb sb`b nbk cft
cftfram
framobt
obtbk
bk egc nba
nbab`
b` af`
af`obj
objb-af
b-af`ob
`objb
jb
mktfrkbsmekba
mktfrkbsmekba tfrsfout ybmtu msab`m
msab`mii lmkbk
lmkbkimba
imba sfrvmi
sfrvmifs
fs oebrn (MLYO), Mktfrkbsmekba
Mktfrkbsmekba msab`mi
lmkb
lmkbki
kimba
mba `b
`brc
rcft
ft (M
(MML
ML@)
@),, Bi
Biie
ieuk
uktm
tmkj
kj & Bu
Bunm
nmtm
tmkj
kj Erj
Erjbk
bkmz
mzbt
btme
mek
k le
lerr msa
msab`
b`mi
mi lm
lmkb
kbki
kimba
mba
mkstmtutmek (BBEMLM), Msab`mi Nfvfaep`fkt Obkc (MNO).
OBO 28 7 XF_AMKNVK
XF_AMKNVKJBK
JBK DVCV@
DVCV@ OBJM
OBJM KBYBOBD
KBYBOBD XF_OBKC
XF_OBKCBK
BK Y]B_MBD
Y]B_MBD
EAFD E^E_M^BY GBYB CFVBKJBK
EGC sfobjbm
sfobjbm`bkb
`bkb nm`bc
nm`bcsun
sun nbab` uknbk
uknbkj-ukn
j-uknbkj
bkj ke`e
ke`err ?2 tbduk ?822 tfktbk
tfktbkj
j egc
egc
sfobjbm cfabkgutbk nbrm obkc mknekfsmb sfabcu pfkjf`obk b`bkbd uknbkj-uknbkj ke`er ?2
tbduk
tbduk ?88
?884
4 tfk
tfktbk
tbkj
j pfr
pfrobk
obkcbk
cbk syb
sybrmbd
rmbd ybk
ybkj
j ofr
ofrluk
lukjsm
jsm sfo
sfobjb
bjbmm ete
etermt
rmtbs
bs pf`
pf`omk
omkbbk
bbk nbk
pfkjbwbsbk pfrobkcbk sybrmbd,`f`mamcm tujbs uktuc `fabcucbk pfkjbturbk, pf`omkbbk nbk
pfkjbwbsbk pfrobkcbk sybrmbd bjbr pftobkcbk sybrmbd nmmknekfsmb nbpbt `f`fkudm
lukjsmkyb
lukjsmkyb sfobjbm af`ob
af`objb
jb mktfr`
mktfr`fnmbsm
fnmbsm cfubkjbk ybkj tftbp `f`fkudm prmksmp sybrmbd
`bup
`bupuk
uk pr
prun
unfk
fktm
tmba
ba rf
rfju
juab
abtm
tmek
ek sfr
sfrtb
tb tu
turu
rutt of
ofrc
rcmk
mktr
trmo
mous
usmm tf
tfrd
rdbn
bnbp
bp pf
pf`o
`obk
bkju
jukb
kbk
k nb
nbk
k
pfrfceke`mbk kbsmekba .
2.C fafomdbk
fafomdbk oucu
^frcbmt oucu ybkj sbyb rfsfksm, sbyb `fkf`ucbk ofofrbpb cfafomdbk pbnb oucu tfrsfout,
ybmtu7
- Bktbrb obo ybkj sbtu nfkjbk obo ybkj abmk `f`mamcm cftfrcbmtbk. Yfobjbm iekted
bktbrb Obo 2 nbk Obo ?. Xbnb obo 2 nmgfab
nmgfabscbk
scbk `fkjfkbm
`fkjfkbm pfrob
pfrobkcbk
kcbk sybrmbd
sybrmbd nmmknekfsmb
nmmknekfsmb
sfnbkjcbk nmobo ? `fkgfabscbkb objbm`bkb prmksmp pfrgbkgmbk nbab` obkc sybrmbd
- ^frabau Obkybc Dbab`bk. Ybabd sbtu cfaf`bdbk oucu mkm bnbabd tfrabau obkybc
dbab`bk sfdmkjjb `f`outudcbk wbctu ybkj iucup ab`b uktuc `f`obib nbk `f`bdb`m msm
oucu.
-Yucu Cbtb ]bkj Yuamt Nmpbdb`m.Cfaf`bdbk oucu mkm gujb tfraftbc pbnb objmbk sucu
cbtbky
cbtbkybb ybk
ybkj
j sua
suamt
mt nmp
nmpbdb
bdb`m.
`m. Cbrf
Cbrfkb
kb bnb ofo
ofofrb
frbpb
pb suc
sucu
u cbt
cbtbb ybk
ybkj
j sua
suamt
mt nmp
nmpbdb
bdb`m
`m nbk
pf`obib dbrus `famdbt jaesbrmu` tfrafomd nbduau pbnb objmbk bcdmr oucu mkm uktuc
`f`bdb`m
`f`bdb`m sucu cbtb tfrsfout. Nbk `fku
`fkurut
rut pfrfsf
pfrfsfksm
ksm dba mtu bcbk `fyua
`fyuamtcbk
mtcbk objm pf`uab
`f`bdb`m msm oucu mkm. Yfobjbm iekted pbnb sucu cbtb syuodbt, `ustbsybomdbt, nbk abmk
sfobjbmkyb.
-cfsm`puabk
]bkj nbpbt nmb`oma nbrm ofnbd oucu pfrobkcbk sybrmbd ybmtu cmtb nbpbt `fkjb`oma
jbrms
jbrms of
ofsbrk
sbrkyb
yb sbg
sbgbb obd
obdwb
wb pfr
pfrobk
obkcbk
cbk syb
sybrmbd
rmbd nmo
nmofnb
fnbck
ck `fk
`fkgbn
gbnmm tmj
tmjbb tbd
tbdbp
bp ybm
ybmtu
tu tbd
tbdbp
bp
pfkjfkbabk, tbdbp pfkjbcubk , nbkb tbdbp pf`urkmbk. Cftmjb tbdbp ybkj nm`bcsun nmnucukj
bjbr sf`bkjcmk cubt fcsmstfksm nbk epfrbsmmkba mknustrm prrobkcbk sybrmbd nfkjbk `ukiuakyb
cfomgbcbk-
cfomgbcbk- cfomgb
cfomgbcbk
cbk utb`b ybck
ybckmm nmpfro
nmpfroeafdc
eafdcbkky
bkkybb obkc ofrepfrbsm ofrnbs
ofrnbsbrcbk
brcbk prmksmp
objm dbsma.Yfabmk mtu tfktbkj ofrobjbm bspfc ducu` obkc sybrmbd `famputm sfgbrbd,
cfaf`objbbk
cfaf`objbbk,, cfjmb
cfjmbtbk
tbk usbdb
usbdb,, pfky
pfkyfafsbmbk
fafsbmbk sfkjcftb ,af`o
,af`objb
bjb pfrob
pfrobkcbk
kcbk sybrm
sybrmbd
bd nmafvf
nmafvfaa
kbsmek
kbsmekba
ba nbk mkt
mktfrk
frkbsme
bsmekba
kba sfrt
sfrtbb ofo
ofofrb
frbpb
pb pfr
pfrcf`
cf`obk
obkjbk
jbk bct
bctuba
uba pbs
pbsib
ib ofr
ofrbam
bamdky
dkybb luk
lukjsm
jsm
pfkjbturbk nbk pfkjbwbsbk nbrm obkc mknekfsmb cfpbnb EGC.
?.Ybrbk
Yftfabd
Yftfabd `f`
`f`obib
obib nbk `f`
`f`bdb
bdb`m
`m msm nbr
nbrmm ou
oucu
cu pfr
pfrobk
obkcbk
cbk syb
sybrmbd
rmbd mkm nmd
nmdbrb
brbpcb
pcbk
k
pf`obib nbpbt `f`ofrmcbk ce`fktbr bjbr sbyb
s byb tbu cfcurbkjbk nbrm oucu ybkj sbyb rfsfksm
rfsf ksm
mkm bjbr nbpbt `bkgbnm teabc ucur objm sbyb uktuc afomd obmc abjm nbab` `frfsfksm sfoubd
oucu.