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Jmkphbe ^ikuthibF khohtml khfdhkhty niopfby

prmsmbts

\MKM fs f ^MTSHNM-

\MKMOIBH\ITHBE, \MKMJMFK\J,FBL \MKMOMLHNHBM (HBNK]LHBE

\MKMLMB\H^\TX) ^IK]\HIBNibchlmbthfk, Jmkphbe ^ikuthib 6

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^MTSHNM^ ICCMTML DX

JMKPHBE ^IK]\HIB

Jmkphbe ^ikuthib iccmrs f whlm rfbemic jiom jmfktj nfrm smrvhnms cirHblmpmblmbt khvhbe, mxtmblml nfrmcfnhkhthms sunj fs fsshstml khvhbe,rmjfd, fbl burshbe jioms .

Fkoist fby smrvhnm wjhnj hs fvfhkfdkmhb tjm jisphtfk nfb dm iccmrml ftjiom.

Nibchlmbthfk, Jmkphbe ^ikuthib 4

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^MTSHNM^ ICCMTML DX

JMKPHBE ^IK]\HIB (NIB\.)

\jhs ft-jiom nfrm ehvms pfthmbts tjmniocirt fbl smnurhty ic jmfkhbe whtj tjm

prmsmbnm ic cfohky hb cfohkhfrsurriublhbes.

Hb fllhthib ti jiom jmfktj nfrm tiprivhlm fsshstfbnm hb FLK, Jmkphbe

^ikuthib fksi privhlms ofby tmnjbikieysmrvhnms fbl prilunts ti jmkp siomibmkhvm niocirtfdkm mhtjmr ft jiom ir hb fbfsshstml khvhbe typm smtthbe.

Nibchlmbthfk, Jmkphbe ^ikuthib >

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\MNJBIKIEX ^MTSHNM^

Niooubhnfthib fbl mbefemombt

Mbfdkhbeib tiunj vhlmi njft whtj crhmbls fbl cfohkyivmr tfdkmt, PN, ir ^ofrt \S

Kmfrbhbe fbl trfhbhbe privhlm mlunfthib ti

tjm niooubhty Pmrsibfk smnurhty fbl sfcmty cfkk lmtmnthib,

Shlmi survmhkkfbnm, 4-wfy niooubhnfthib,EP^ sjims fbl hbsikms, omlhnfk jhstiry nfrls

mtn. Jmfktj fbl wmkkbmss \mkm fs f ^mrvhnm ti

hbnkulm \mkmoibhtirhbe, \mkmjmfktj,\mkmomlhnhbm (hbnkulm \mkmlmbthstry)

Nibchlmbthfk, Jmkphbe ^ikuthib

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UJF\ H^

\MKMOIBH\ITHBE9

Fb HST systmo nfkks iut ti f pfthmbt pist

lhsnjfrem.

]shbe tmxt ir vihnm priopts ti euhlmpfthmbts tjriuej f smrhms ic yms/bi

qumsthibs tjft fkkiw jmfktj nfrm

pricmsshibfks ti oibhtir fbl lmvmkip ftjiriuej jmfktj fssmssombt.

Nibchlmbthfk, Jmkphbe ^ikuthib =

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UJF\ H^ \MKMJMFK\J9

\mkmjmfktj ir rmoitm pfthmbt oibhtirhbe(TPO) usms tmkmniooubhnfthib mbfdkml vhtfkshebs lmvhnms pkfnml hb pfthmbtsjioms titfam tjmhr vhtfk shebs mvmry lfy sunj fs DkiilPrmssurm, Umhejt, Ixyemb ^fturfthib, EkunismKmvmk mtn.

Tmohbls tjm pfthmbt ti tfam omlhnfthib Fbswmr shopkm qumsthibs fdiut tjmhr

niblhthib. \jm prmohsm hs ti prifnthvm oibhtirhbe ic f

pfthmbt fbl rmlunm MT vhshts tjus jmkphbe bitibky tjm pfthmbt dut jisphtfks fbl mxtmblmlnfrm cfnhkhthms mtn.

Nibchlmbthfk, Jmkphbe ^ikuthib 3

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]sm Nfsms

Pfthmbts succmrhbe crio f vfrhmty icnjribhn niblhthibs, sunj fs

nibemsthvm jmfrt cfhkurm,

njribhn idstrunthvm pukoibfrylhsmfsm,

niribfry frtmry lhsmfsm,lhfdmtms fbl

jypmrtmbshib.Nibchlmbthfk, Jmkphbe ^ikuthib 5

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DMBMCH\^ IC

\MKMOIBH\ITHBE FBL

\MKMJMFK\J

Bi prfnththibmr jiom ir

icchnm vhshts rmquhrml

Fsshsts jiomdiubl,

mklmrky, njribhnfkky hkk fbl

spmnhfk bmmls pfthmbtsNibchlmbthfk, Jmkphbe ^ikuthib :

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^hopkhchms prfnththibmrs' mbtry ic nfrmpkfbs & omlhnfthib snjmlukms

Lmkhvmrs prfnththibmr-ti-pfthmbttrmftombt rmohblmrs fbl hbstrunthibs

DMBMCH\^ IC\MKMOIBH\ITHBE FBL

\MKMJMFK\J

Nibchlmbthfk, Jmkphbe ^ikuthib 8

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DMBMCH\^ IC \MKMJMFK\J

OIBH\ITHBE(nibt.)

Lhspkfys hblhvhlufk pfthmbts vhtfk

hbcirofthib hb f lhehtfk ciroft.Nibchlmbthfk, Jmkphbe ^ikuthib 60

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DMBMCH\^ IC \MKMJMFK\J

OIBH\ITHBE(nibt.)

Lhspkfys hblhvhlufk pfthmbts vhtfk

hbcirofthib hb erfpj ciroft.Nibchlmbthfk, Jmkphbe ^ikuthib 66

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MF^X-\I-]^M

\jm mfsy-ti-usm systmo euhlms pfthmbts

tjriuej tjm shopkm prinmss & privhlms

fb hoomlhftm khba ti tjmhr nfrm privhlmr

crio tjmhr jiom mkhohbfthbe tjm bmml ti

trfvmk fbl hoprivhbe nfrm pkfbniopkhfbnm.

Nibchlmbthfk, Jmkphbe ^ikuthib 64

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TM^MFTNJ FBL MSFK]F\HIB

Iur rmsmfrnj fbl mvfkufthib jfs

sjiwb \mkmjmfktj7

Hoprivms V]FKH\Xic KHCM

Hoprivms FNNM^^

Hoprivms FNNMP\FDHKH\XLmnrmfsms pfthmbt NI^\

Nibchlmbthfk, Jmkphbe ^ikuthib 6>

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CKMZHDHKH\X

Mfnj tmkmjmfktj oibhtir hs nustiohzml pmrpfthmbt fnnirlhbe ti pjyshnhfb nfrm pkfblhrmnthvms.

F pjyshnhfb nfb njiism ti jfvm f pfthmbt

svhtfk shebs oibhtirml oukthpkm thomstjriuejiut tjm lfy fs bmmlml.

Nibchlmbthfk, Jmkphbe ^ikuthib 64= f oibtj fbl hbnkulms nfrm

niirlhbfthib

Nibchlmbthfk, Jmkphbe ^ikuthib 65

Buodm

r \yphnfk nist ic Jiom \yphnfk Jiom Tmlunthib Eriss Flgustml Nkhbhnfk Nist ic Tmoitm Bmt ^fvhbes Omlhnfhl \itfk Bmt

ic

Fnthvm

Jmfktj ^ahkkml

Burshbe Jmfktj vhsht hb Burshbe Msthoftml Nist ^fvhbes

Oibhtirhbe

Prierfo/ fctmr Tmhodursmombt ^fvhbes ^fvhbes

]bhts vhsht. Crmqumbny/>0lfys Crmqumbny (>0 lfys) Nist ^fvhbes >0 lfy pmrhil mxpmbsms/>0 lfys >0 lfy mphsilm Ibm Mphsilm Xmfrky

6 $64=.00 40 63 $4,000 $6,=00 $>4= $6,65= $6,65= $5,0=0

60 $64=.00 40 63 $40,000 $6=,000 $>,4=0 $66,5=0 $66,5=0 $50,=00

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\MKMOMLHNHBM

Jmkphbe ^ikuthib hs privhlhbe fbhbbivfthvm \mkmomlhnhbmsikuthib tjft privhlms pjyshnhfbnivmrfem smrvhnms tjriuej fulhifbl ir vhlmi nibcmrmbnhbenibsuktfthib smrvhnms.

Pfrtbmrhbe whtj Jmkphbe^ikuthib, Mxtmblml NfrmCfnhkhthms (MNCs) frm mopiwmrmlti privhlm bursms, pfthmbts fbltjmhr cfohkhms whtj nibchlmbthfk,

rmfk thom fnnmss ti DifrlNmrthchml pjyshnhfbs hb biburembt, urembt fbl momrembtnfrm nibsuktfthib

Nibchlmbthfk, Jmkphbe ^ikuthib 6:

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\MKMOMLHNHBM

TML]NM MT \TFB^CMT^ &TMFLOH^^HIB^

\homky fnnmss ti pjyshnhfbs hsf ofgir njfkkmbem cir NfrmCfnhkhthms, nioprhsml ic

Hblmpmblmbt khvhbe, fsshstmlkhvhbe, sahkkml burshbe cfnhkhthms,rmjfds fbl kibe tmro nfrm

Jmkphbe ^ikuthib usmshbbivfthvm tmkmomlhnhbm

smrvhnms ti privhlm cfnm ticfnm rmfk thom fnnmss tipjyshnhfbs, rmsukthbe hbrmlunthib ic trfbscmrs ti tjmMT fs wmkk fs flohsshibs fblrmflohsshibs dy =0% ir oirm

Nibchlmbthfk, Jmkphbe ^ikuthib 68

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\MKMOMLHNHBMusm nfsm

Njfkkmbems

Khohtml fnnmss tipjyshnhfb nibsuktfthiblurhbe fctmr jiurs fblwmmambls.

Khohtml abiwkmlem ic

pfthmbt dy nivmrhbepjyshnhfb rmsukthbe hbdkhbl lhfebisms

Khohtml suppky icprhofry nfrm pjyshnhfbs(PNPs)

MT fbl rmflohsshib cir

tjm sfom lhfebishs Fnquhrhbe NIPL ir

Pbmuoibhf mtn

^ikuthibs

Tmfk thom fulhi/irvhlmi fnnmss ti DifrlNmrthchml pjyshnhfbslurhbe fctmr- jiurs

Hoomlhftm fnnmss fbl

nibsukt cir urembt, bib-urembt fbl momrembthssums

Lmnrmfsm durlmb ibPNPs lurhbe fctmr jiursfbl wmmambls

Hoomlhftm pjyshnhfb

fnnmss ti rmlunm MTvhshts fbl rmflohsshib

Prifnthvm oibhtirhbe

Fnnmss ti MOT (pfthmbtpmrohtthbe)

Dmbmchts

Privhlm jhejmr kmvmk icsmrvhnms ft nfrmcfnhkhthms

Ivmr =4% rmlunthibs hbfvihlfdkm MT fbl

rmflohsshib Fllrmss pfhb fbl

dmjfvhirfk hssumshoomlhftmky

Shsufkhzfthib icpfthmbts yhmkl oirmmccmnthvm rmsukts

Fnnmss ti MOT privhlmsniopkmtm lhfebishs

Lmnrmfsm nists tiivmrfkk jmfktj nfrmsystmo

Nibchlmbthfk, Jmkphbe ^ikuthib 40

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I]\NIOM^

Mbrikkhbe f pfthmbt hb f \mkm fs f^mrvhnm

prierfo jfs nibshstmbtky sjiwb7

Nibchlmbthfk, Jmkphbe ^ikuthib 46

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I]\NIOM^ (NIB\.)

Hoprivml qufkhty ic khcm snirms

Tmlunthib hb jisphtfk

rmflohsshibs

Tmlunthib hb

ubbmmlml MT vhshts

Jhej pfthmbt fnnmptfbnm

kmvmks

Jhej bursm fnnmptfbnm

kmvmks Hoprivml lftf eftjmrhbe fbl

fnnurfny.

Nibchlmbthfk, Jmkphbe ^ikuthib 44

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HOPIT\FBNM

\mkm fs f ^mrvhnm hs siomthoms tjm ibky wfy

tjft rurfk fbl hsikftml frmfs nfb emt

flvfbnml omlhnfk nfrm cir tjmhr rmshlmbts.

Hc tjm pfthmbt cfnhkhty hs hb tjm rurfk smtthbes,

tjmrm frm buomrius jmkp fbl cublhbe crio

Cmlmrfk eivt hs fksi fvfhkfdkm ti iccsmt tjmnists.

Nibchlmbthfk, Jmkphbe ^ikuthib 4>

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ML]NF\HIB & KMFTBHBE

Hblhvhlufkhzml trfhbhbe fblmlunfthib frm privhlml fs pfrt ic

tjm hbhthfk vhsht, fs wmkk fs ibeihbe 4

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PTHNHBE

\jm prhnms frm nustiohzml lmpmblhbe ib

wjft hs bmmlml Sfrhius ipthibs sunj fs mfnj pfthmbt jfvhbe tjm nfpfdhkhty sunj fs

hblhvhlufk PN ir Hpjibm ir HPfl ti f shbekm riio lmlhnftml cir tjmtmkmomlhnhbm ir oukthpkm riios.

Cir 600 dml/6000 pfthmbts ir oirm (nfb niodhbm oukthpkm

niooubhthms fs wmkk), wm nfb privhlm ciublfthib dfnaml

\mkmomlhnhbm sikuthib tjft limsbt rmquhrm fby upstfrt nists fbltjm smrvhnms frm rmhodursml dy NO^ tjus hbnrmfshbe tjm rmvmbum.

Hb ofby nfsms, f 600 dml jisphtfk jfs hbnrmfsml $5O rmvmbum pmr

ymfr

Nibchlmbthfk, Jmkphbe ^ikuthib 4=

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NIBNK]^HIB

Ft Jmkphbe ^ikuthib, wm frm putthbetjm phmnms tiemtjmr ti privhlm f cukksuhtm ic nfrm fbl smrvhnms.

Nibchlmbthfk, Jmkphbe ^ikuthib 43