nkn`tu - finance companies in sri lanka | hnb finance · nkn`tu - finance companies in sri lanka |...

16
,yq;ifapd; Ez;epjp Nritfis toq;fp tUk; vr;.vd;.gp.fpuhkpd; epWtdk; epWtdj;jpd; rfy epWtd rq;fq;fSf;fpilapy; Kjw; jlitahf mq;fj;jtHfisAk; ,izj;Jf; nfhz;l XH xOq;F nra;ag;gl;l fpupf;fl; Nghl;b 2015 xf;NlhgH mzpahfTk; Gj;jsk; fpis mq;fj;jtHfisf; khjk; 10Mk; jpfjp nfhOk;G 05> rhypfh ikjhdj;jpy; nfhz;L kw;WnkhU mzpahfTk; ,e;jg; Nghl;bapy; ntF tpkHirahf eilngw;wJ. fye;J nfhz;lJ. cNyhf fpz;zj;Jf;fhd Nghl;bapy; vr;.vd;.gp. epWtd xd;wpize;j mzpAk; ,yq;if Ez;epjp Nrit toq;Fk; epWtd rq;fj;jpy; tprd; gz;l; epWtdKk; Nkhjpf;nfhz;lJld; vr;.vd;.gp. mq;fj;jtHfshf gjpT nra;ag;gl;l 25 epWtdq;fs; fpuhkpd; xd;wpize;j mzp cNyhf fpz;zj;ij,e;jg; Nghl;bapy; fye;Jnfhz;lJld; RtPfupj;Jf; nfhz;lJ. cs;@H Ez;epjp epWtd fpupf;fl; Nghl;bfspy; cs;@H Ez;epjp epWtd fpupf;fl; Nghl;bfspy; vr;.vd;.gp.fpuhkpd; epWtdj;Jf;F vr;.vd;.gp.fpuhkpd; epWtdj;Jf;F cNyhf fpz;zk; cNyhf fpz;zk; nkn`tu nkn`tu nkn`tu nkn`tu nkn`tu 4 Mk; njhFjp - %d;whtJ ,jo; - 2015 etk;gH 4 Mk; njhFjp - %d;whtJ ,jo; - 2015 etk;gH ,Us; ePf;Fk; cd;dj gzp

Upload: others

Post on 23-Oct-2020

15 views

Category:

Documents


0 download

TRANSCRIPT

  • ,yq;ifapd; Ez;epjp Nritfis toq;fp tUk; vr;.vd;.gp.fpuhkpd; epWtdk; epWtdj;jpd; rfy epWtd rq;fq;fSf;fpilapy; Kjw; jlitahf mq;fj;jtHfisAk; ,izj;Jf; nfhz;l XH xOq;F nra;ag;gl;l fpupf;fl; Nghl;b 2015 xf;NlhgH mzpahfTk; Gj;jsk; fpis mq;fj;jtHfisf; khjk; 10Mk; jpfjp nfhOk;G 05> rhypfh ikjhdj;jpy; nfhz;L kw;WnkhU mzpahfTk; ,e;jg; Nghl;bapy; ntF tpkHirahf eilngw;wJ. fye;J nfhz;lJ. “cNyhf fpz;z”j;Jf;fhd

    Nghl;bapy; vr;.vd;.gp. epWtd xd;wpize;j mzpAk; ,yq;if Ez;epjp Nrit toq;Fk; epWtd rq;fj;jpy; tprd; gz;l; epWtdKk; Nkhjpf;nfhz;lJld; vr;.vd;.gp. mq;fj;jtHfshf gjpT nra;ag;gl;l 25 epWtdq;fs; fpuhkpd; xd;wpize;j mzp “cNyhf fpz;zj;ij” ,e ; jg ; Ng hl ; ba py ; fye ;Jnfhz ;lJld ; RtPfupj;Jf; nfhz;lJ.

    cs;@H Ez;epjp epWtdfpupf;fl; Nghl;bfspy;cs;@H Ez;epjp epWtdfpupf;fl; Nghl;bfspy;

    vr;.vd;.gp.fpuhkpd; epWtdj;Jf;Fvr;.vd;.gp.fpuhkpd; epWtdj;Jf;FcNyhf fpz;zk;cNyhf fpz;zk;

    nkn`tunkn`tunkn`tunkn`tunkn`tu4 Mk; njhFjp - %d;whtJ ,jo; - 2015 etk;gH4 Mk; njhFjp - %d;whtJ ,jo; - 2015 etk;gH

    , U s ; e P f ; F k ; c d ; d j g z p

  • 02 nkn`tunkn`tunkn`tunkn`tunkn`tudpjdJ tho;f;ifapy; gy tplaq;fs; njhlHgpy; vjpHghHf;fg;gLfpd;w

    NghjpYk; xU rpy tplaq;fNs ahjhHj;jkhfpd;wd. epiwNtw;w Kbahj tplaq;fs; cq;fs; tho;f;ifapy; fdthfNt ,Ue;J nfhz;bUf;Fk;. me;jf; fdit edthf;Ftjw;F jpahfq;fis nra;a Ntz;Lk;. mt;thNw gy;NtW rthy;fSf;Fk; Kfk; nfhLf;f Ntz;bNaw;gLk;. ePq;fs; tpUk;Gk;> Mirg;gLk; xd;W tpw;gidf;fhf ,Ue;jhy; jiykapH ntl;Ltij ,opthf fhyq;fspy; nkh`kl; mjid tpiyf;F thq;f KbAk;. fUjhky; kw;wtHfis gpuy;gakhd ghlfuhf khwpdhH. eiffs;> cilfs;> fhzp> jpUg;jpgLj;Jk; tifapy; jdJ mtH ghba ghly;fs; kf;fs; thfdk; Mfpatw;iw tpiyf;F Nritia nra;J te;jhH. kj;jpapy; kpfTk; thq;f KbAk;. mt;thNw mtUila gof;ftof;fq;fspy; gpugy;akile;jJ. ,Wjpapy; Njitahd NghJ mjid xd;whd jiykapH ntl;Lk; ,e;jpahtpy; khj;jpukd;wp KO tpw;gid nra;a KbAk;. rpy NghJ nkd;ikahd Fuypy; cyfpYk; gpugy;akhd ghlfuhf nghUl;fSf;F tpiy kjpg;Ng ghly;fis KZKZj;Jf; khwpdhH. ,d;W mtH vk;kpy; ,y;iy. md;G> fUiz> ghrk;> nfhz;bUg;gJ tpNrl mk;rkhFk;. ,Ue;J gpupe;J nrd;whYk; mtH fdT> njhlHGfs;> kfpo;r;rp> ,jd; %yk; Mde;jkhf jkJ ghba ghly;fs; %yk; vjpHfhy cz;ikahd el;G Mfpatw;iw njhopiy elj;jf; $bajhf re;jjpapdupd; neQ;rk; kwf;fhj tpiy nfhLj;J thq;f KbahJ. ,Ue;jJld; thbf;ifahsHfSk; kdpjuhf tho;e;J tUfpwhH. Nkw;$wpa ,uz;Lk; kdpj me;j ,irf;F thbf;ifahsH xUtH jiykapH Gfo;ngw;w nkh`kl; uhgpapd; Kaw;rpiaAk; mtjhdpj;J ntl;Ltjw;fhf tUif je;jhH. nkd;ikahd ghly;fs; ,d;Wk; cq;fis rupahd ,lj;Jf;F jkJ ehshe;j nraw;ghLfspy; kdij cUf;Fk; ghly;fshf nfhz;L nry;tjw;F ahNuDk; vt;tpj khw;wKk; nra;ahj fhzg;gLfpd;wd.xUtH cq;fis Cf;Ftpf;f ,t;tpjk; mtH jdJ tho;it Ntz;Lk;. mt;tpjk; khw;wp NtW topapy; Cf;Ftpj;jhy; my;yJ me;j nrd;wikf;F mtUila ,lj;Jf;F nfhz;L jpwikAk; jhd; njhopiy nry;yhtpl;lhy; nra;Ak; NghNj kw;wtHfspdhy; jpwikahsHfSf;F xU ehSk; jdJ Fuy; tsk; Ngrg;gLk; jdJ jpwikia ntspg;gLj;j msTf;F ghly;fspy; nfhz;l Kbahky; NghFk;. ePq;fSk; tpUg;gKk; fhuzkhFk;. ePq;fSk; cq;fisg; gw;wp rpe;jpj;Jg; ,e;j tpdhbapy; ,Ue;J jpwikf;Nfw;w ngWkjpia nkh`kl;> ghliy ghbf;nfhz;L ghUq;fs;. ePq;fs; ,d;wpypUe;J cq;fs; jpwik gyte;jkhf ngwj; mtUila jiykapiu jpwikahdtuhf ,Ue;jhy; vJntd mwpe;J nfhs;Sq;fs;. Njitapy;iy. cyfk; cq;fs; ntl;bdhH. jiykapH ntl;ba cq;fs; jpwik ntsp cyFf;F me;j jpwikia gpw;gLj;jhky; jpwikf;F rd;khdk; toq;Fk;. gpd;dH thbf;ifahsH xU rpy njupahky; ,Uf;f KbahJ. cq;fs; tho;f;ifapy; gad;gLj;j ,e;jpahtpd; kpf ePz;l J}u epkplk; nkh`kl;blk; cyfk; cq;fisg; gw;wp mwpe;J Kaw;rp nra;Aq;fs;. cq;fs; fpuhknkhd;wpy; fy;tp mytshdhH. jhd; ,e;jpahtpd; nfhs;Sk; NghJ jpwikf;Nfw;w jpwikia kw;wtHfs; mwpe;J nraw;ghLfspy; kpfTk; gpd;jq;fpa gpugy;akhd thndhypnahd;wpd; xd;iw cq;fSf;F ngw;Wf; nfhs;tJ epr;rakhFk;. me;j epiyapy; gpwe;j ,isQH jiytH vd;W nkh`kl;blk; nfhLf;Fk;. cq;fspd; jpwikia NkYk; tsHj;J nkh`kl; vd;gtuhFk;. mwpKfk; nra;jJld; mtUila

    ePq;fs; cq;fs; tho;f;if ,tUila njhopy; ,dpikahd Fuiyf; Nfl;L jhk; nropg;ghd xd;whf khw;wpf; Kbntl;LtjhFk;. (rY}d; kpfo;r;rpaile;jjhfTk; nfhs;s KbAk;. ,e;j tpdhbapy; ifj;njhopyhFk;) kw;wtHfSf;F $wpAs;shH. jd;Dila Gjpa ,Ue;Nj cq;fs; tho;f;ifia

    thbf;ifahsH mtru Ntiy khw;wp Gjpa tho;f;iff;fhd

    epkpj;jkhf nry;y ,yf;nfhd;Wf;fhd gazj;ij

    Ntz;bapUg;gjhy; jhd; toq;Fk; jpl;lkpLq;fs;.

    tpyhrj;Jf;F te;J jd;id eilKiwg;gLj;Jq;fs;. re;jpf;FkhW nkh`kl;blk; fsepiyia Ma;T $wptpl;L nrd;whH. fpilj;j nra;Aq;fs;. mjd; %yk; re;jHg;gj;ij eOt tplhj tskhd tho;Tf;F nkh`kl;> kWfzNk xypgug;Gf; mbj;jskpLq;fs;. ,Wjpapy; $l;Lj;jhgdj;Jf;F nrd;W jdJ mjd; ngWNgW cq;fs; Gjpa thbf;ifahsiu re;jpj;jhH. FLk;gj;Jf;Fk;> fpuhkj;Jf;Fk;> mq;F mtuJ Fuy; guprPyidf;F ehl;Lf;Fk;> cyfpw;Fk; ed;ik cl;gLj;jg;gl;lJ. me;jg; fpilg;gJ epr;rakhFk;. ,e;j guPl;irapd; NghJ mtUila tpdhbapy; ,Ue;Nj ePq;fs; Fuy; kpfTk; ,dpikahf jpwik> Kaw;rp> kfpo;r;rpia ,Ue;jJ. me;jr; nra;jp mwpe;J nfhs;Sq;fs;. mtw;iw mtUf;Fk; mtUila njhlHe;J gapw;rp nra;J FLk;gj;jpdUf;Fk; kfpo;r;rpfukhd thUq;fs;.tplakhf mike;jJ.

    me;j kfpo;r;rpfukhd nra;jp mtUila tho;f;ifia NtW topapy; nry;tjw;F mbjskhf mike;jJ. mjhtJ thndhypapy; ghly; ghLtjw;F re;jHg;gk; fpilj;jJ. rpy

    k

    gpNukrpwp fkNfjiytH> ifj;njhopy;mgptpUj;jp kj;jpa epiyak;

    2015 etk;gH

    kpfr; rpwe;j kdpjuhf ePq;fs; khw Ntz;Lkhf ,Ue;jhy; Kaw;rp> tha;g;Gfs; kw;Wk; jpwikia ntspg;ghLj;j jaf;fk; fhl;l Ntz;lhk;. mtw;iw gbg;gbahf nra;tjw;F Kaw;rp nra;aTk;. ,jd; %yk; tho;f;ifapy; caH epiyf;F nry;y KbAnkd;gJ fz;$L.

    Kd;khjpupahsHKd;khjpupahsHKd;khjpupahsHcyif ntd;w ghlfuhdcyif ntd;w ghlfuhdcyif ntd;w ghlfuhd

    vkJ vz;zq;fSf;F Vw;gNt nray;fspd; jd;ik khw;wkilfpwJ.

  • v r;.vd;.gp.fpuhkpd; epWtdj;jpd; vdJ tYthd ek;gpf;ifahFk;. jdJ gazj;jpd; 15 tUlj;ij ,jw;fhd kPz;Lk; kPz;Lk; cq;fSf;F epiwT nra;Js;sJ. tho;f;if ed;wpiaj; njuptpf;fpNwd;.Fwpj;J vz;zpg; ghHf;Fk; NghJ ,Jtiu fhyKk; ehk; el;lj;jpy;

    15 tUlk; vd;gJ Gjpa ,isQH ,aq;fpf; nfhz;bUe;j NghJk; r%fj;jpd; Muk;g fhyg;gFjp Gjpa 2015Mk; Mz;by; xU gpy;ypad; mDgtq;fSf;Fk; ,sikj; Jbg;Gf;Fk; ,yhgj;ij mile;Jf; nfhs;sf; mDgtq;fis gfpHe;J $baik ehk; ngw;w ghupa nfhs;Stjw;Fkhd Muk;g fl;lkhFk;. ntw;wpahfTk; iky;fy;yhfTk; jto;e;J Koe;jhypl;Lk; tpOe;J ghHf;fpNwhk;. ,t;tsT fhyKk; RAM tpOe;J vOe;J epw;Fk; Muk;g Rating B juj;jpy; ,Ue;j ehk; ,e;j tho;f;ifg; gbfspy; fpuhkpd; vd;w tUlj;jpy; epjp epWtd nraw;ghLfis ehq;fs; fle;j 15 tUl fhykhf mstPL nra;Ak; gpujhd epWtdkhd epiwa neUf;fbfisAk;> Fitch Rating epWtdj;jpdhy; Fitch Kaw;rpfisAk; Kd;ndLj;J vOe;J Rating “A (lka) Stable” ngWkhdj;ijg; epw;gjw;fhf Kaw;rpfis Nkw;nfhz;L ngw;Wf; nfhs;s Kbe;jik tUfpNwhk;. gy;NtW neUf;fbfs; mg+Htkhd tplakhFk;.Nkhjy;fs; jilfis vjpHnfhz;L epWtdkhf ,Ue;jhYk; jdpg;gl;l risf;fhky; ,yf;F Nef;fp gazpf;Fk; tho;f;ifahf ,Ue;jhYk; gbg;gbahf XH cd;d gazj;ij Kd;Ndw;wkila Ntz;Lk;. ePq;fs;> Muk;gpj;Js;Nshk;. cq;fSf;Nf cupj;jhd tPl;bd; ,d;W cjakhfpapUf;Fk; ehk; cupikahsuhf khw Ntz;Lk;. vjpHnfhz;l Jauq;fs;> gpujpgyd;fis jkf;nfd;W nrhe;jkhd thfdj;ij mDgtpf;Fk; fhyfl;lj;jpy; ntw;wpg; itj;Jf; nfhs;s Ntz;Lk;. ghijia Nehf;fp te;jpUf;fpNwhk; tho;f;ifapd; ,d;g Jd;gq;fis vd;gij kfpo;r;rpAld; njuptpj;Jf; njupe;J nfhs;s Ntz;baJld; nfhs;s tpUk;Gfpd;Nwhk;. fpuhkpa mjid ajhHj;jkhf khw;wp ntw;wp ,isQHfs; vr;.vd;.gp.fpuhkpd; vd;w ngWtjw;F Kaw;rp nra;a Ntz;Lk;. ngaupy; Kb#Lk; 2011Mk; Mz;by; vkJ CopaHfs; Gjpa tPLfs; ehk; Muk;gpj;j gazj;jpd; xU mikj;J> jkJ tho;f;ifia re;Njh\khd ntw;wp ,yf;if caHepiyf;F nfhz;L nry;tjw;F mile;jpUg;gjhfNt ehd; epidf;fpNwd;. Nkw;nfhs;sg;gLk; Kaw;rpfs; 2011Mk; Mz;by; gpiuk; fpuhkpd; vd;w njhlHgpy; ehd; kpfTk; kfpo;r;rpahf ngaupy; ehk; ,e;j epWtdj;ij Gjpa ,Uf;fpNwd;. cq;fs; tho;f;ifiag; ghijf;F gazpf;fr; nra;j NghJ ehk; Nghd;W vkJ epWtdKk; ,d;W ,oe;j ,og;Gfs; %d;W gpy;ypad; jrd; ,yhgkile;j epWtdkhf khwpdhy; ehd;F (3.4) ehd;F tUl fhyj;jpw;Fs; mjd; gq;fhsHfs; cq;fs; kidtp> ehk; ,e;j el;lj;ij ,yhgj;jpd; gf;fk; gps;isfSkhFk;. mjw;fhf ,uT jpUg;Gtjw;fhd Kaw;rpfis nra;Njhk;. gfy ghuhJ ePq;fs; epWtdj;Jf;fhf ,J xU fuL Kulhd gazkhFk;. mHg;gzpg;Gld; Nritahw;Wk; NghJ mJ vkJ mYtyfj;jpdH xU NghJk; me;j mHg;gzpg;gpd; gpd;dhy; cq;fs; fz;buhj ,yhgq;fis tsHr;rpf;F J}z;ba me;j rf;jp mDgtpg;gjw;fhd re;jHg;gq;fisAk; mtHfs; vd;why; mJ kpifahfhJ. xd;wd; gpd;d xd;whf ngw;Wf; mtHfSf;Fk; ,e;jr; re;jHg;gj;jpy; nfhLf;Fk; epiyapNyNa ,e;jg; vdJ ed;wpia njuptpj;Jf; gazj;ij Kd;ndLj;J te;Js;Nshk;. nfhs;fpNwd;.kj;jpa epiyaq;fspd; vz;zpf;if ehshe;jk; mjpfupj;J tUtjhy; fpisfspy; mq;fj;jtH ehd; cq;fis vz;zpf;ifAk; mjpfupj;Js;sJ. vkJ re;jpf;Fk; xt;nthU re;jHg;gj;jpYk; rpwg;ghd Nritia njhlHe;J jf;f njuptpf;Fk; thHj;ijahFk;. jdJ itj;Jf; nfhs;s ,J kpfTk; gjpide;jhtJ tUlj;jpy; gaDilajhFk;. ngw;Wf; nfhz;l fhy;gjpj;jpUf;Fk; vr;.vd;.gp.fpuhkpd; ntw;wpia kfpo;r;rpAld; Vw;Wf; ,isQHfs; ,d;W fpilg;gij tpl nfhz;L ehk; Kd;itj;j mbia tskhd vjpHfhyj;Jf;fhf ntw;wpfs; nkJthf Kd;ndLj;jhy; mJ gytw;iw tpiutpy; ngw epue;jukhd kfpo;r;rpahf khwptpLk;. Ntz;Lnkd;w vz;zj;jpy; ,d;iwa epjpj;Jiwapy; Gjpa khw;wq;fis epfo;tpy; fye;J nfhz;l cq;fSf;F mwpe;J nfhs;tJld; mtw;iw ehk; rhjidfs; Gupa fhj;jpUf;fpwPHfs; vt;tpjk; ngw;Wf; nfhs;tJ vd;gJ vd;gij ePq;fs; nkskhf njhlHghf rpe;jpf;f Ntz;bAs;sJ. nrtpAw;wpUf;Fk; NghJ vkf;F vdpDk;> Gjpa njhopy;El;gq;fSld; GydhfpwJ. me;j ntw;wpf;F etPd Nritfs; gytw;iw ,e;j cz;ikahd cupikahsHfs; ehk; ehd;fhz;Lfshf thbf;ifahsUf;F midtUkhFk;. ,jw;F ghupa jpUg;jpfukhf toq;fp tUfpNwhk;. jpahfq;fis nra;a Ntz;bAs;sJ. ,jw;fhf vkJ mYtyf Kaw;rp kw;Wk; cWjpAk; . . . mjid gzpahsHfspd; xg;gw;w Nrit kw;Wk; epiwNtw;Wtjw;fhfTk; me;j ,yf;if tpl;Lf;nfhLg;G msg;gupaJ. mj;Jld; mile;J nfhs;tjw;fhfTk; vk;kPJ nfhz;Ls;s ek;gpf;if nghWg;Gld; nraw;gl;L ,yq;ifapd; njhlHgpy; ehd; kdg;g+Htkhd ,e;j Kd;dzp epjp epWtdkhf vkJ re;jHg;gj;jpy; Qhgfg;gLj;j khw;wpaikf;f ePq;fs; midtUk; tpUk;GfpNwd;. Kd;tu Ntz;Lk;. g+ gwpg;gjw;fhd cq;fSf;F njupahj . . . ,e;j $l;L fhyk; ntF J}uj;jpy; ,y;iy. Kaw;rp gw;wp njupahtpl;lhy; ,e;jsT cq;fSf;F ntw;wp . . .FWfpa fhyj;jpy; vkJ epWtdk; ngw;Ws;s ghupa ntw;wpahdJ vtuhYk; ngw Kbahj xd;W vd;gJ

    “etPd fz;Nzhl;lj;jpy; cyif mtjhdpj;J vk;Kld; xd;wpize;J nfhs;Nthk;”

    Nehf;FNehf;F

    ehk; xd;wpize;J vONthk;ehk; xd;wpize;J vONthk;ehk; xd;wpize;J vONthk;ehk; xd;wpize;J vONthk;jhkiu kyNuh cjafhyj;jpy; kyUk;..!

    nrz;gf kyNuh fhiyapy; kyUk;..!

    gto ky;ypifNah khiyapy; kyUk;..!

    kaf;Fk; ky;ypifNah ,utpdpy; kyUk;..!

    mofpdpa my;ypNah epytpd; cwtpdpy; kyUk;..!

    vd; ,ja kyNuh cid epidj;jJNk kyUkb!

    vd; iff;fbfhuj;ijg; ghu;j;Njd;kzp 9.40 vdf; fhl;baJkPz;Lk; ghu;j;Njd;%d;W Kl;fs; njupe;jJ..

    kPz;Lk; xU Kiw ghu;j;Njd;fhyk; fiutjha; njupe;jJ...fhyj;ij ifapy;fl;bg; Nghl;ljha; njupe;jJ...

    ehd; fl;bapUe;j fbfhuKk;Xbf; nfhz;Nl ,Ue;jJ...kPz;Lk; xU Kiw ghu;f;f epidj;jNghJ “rhg;ghL MWJvt;tsT Neuk; fhj;jpUg;gJ" vd;W mk;kh mioj;jJ fhjpy; tpOe;jJ

    mg;NghJjhd; Gupe;jJ fhyk; efu;tJ iff;fbfhuj;jpy; kl;Lk; ,y;iy vd;gJ...

    Nf.vy;.vuh[; - gpuNjr KfhikahsH

    me;jf; fy;yiwapy; nghwpf;fg;gl;litntWk; thHj;ijfs; jhd; - Mdhy;>mtDf;F me;jf; fy;yiw thrfq;fs; jhd; tho;f;if

    Kg;gJ taJf;Fs; %g;G te;J mtd; Kfj;jpy; Mapuk; RUf;fk;me;j RUf;fj;jpd; kbg;Gfspy; mtdJ cile;J Nghd fhjypd;cUf;fkhd epidTfs; cwq;Ffpd;wd

    mtd; fhjyp ,we;J Nghdhs;Mdhy;> ,d;Dk; mtd; fhjy; tho;fpwJfhjy; rpyUf;F thHj;ij> ,d;Dk; rpyUf;FmJNt tho;f;if> mtDf;Fk; fhjNy tho;f;ifahfpg; NghdJ

    b.vr;.b.gP. [akhyp> Ktfk kj;jpa epiyak;

    G+f;fs;G+f;fs;

    fhyk;fhyk;fhyk;

    mts;...mts;...

    rkpe;j gpughj;Kfhikj;Jt gzpg;ghsH

    mf;fiu khl;Lf;F ,f;fiu gr;irahFk;.

    G+f;fspd; ,jo;fi

    sj;

    njhl;Lg; ghu;f;if

    apy;

    vq;fpUe;J jhd; M

    u;g;gupj;J

    tUNkh cd; th

    rk;...

    nkhl;lha; Klq;fp

    aNghNj

    tpupaf;$lhnjd;W

    ghJfhg;gha; ,Ue

    ;Njd;...

    tpupe;jgpd; thlf;

    $lhnjd;W

    tPk;gha; ,Ue;Njd

    ;...

    ,g;NghJ eP vd;i

    d

    kwe;Jtpl;lhah...!!!

    ftpijr; rhsuk;ftpijr; rhsuk;

    2015 etk;gH

    03nkn`tunkn`tunkn`tunkn`tunkn`tu

    l

  • 2015 etk;gH04E

    nghUshjhu mgptpUj;jpf;FnghUshjhu mgptpUj;jpf;FnghUshjhu mgptpUj;jpf;FnghUshjhu mgptpUj;jpf;FtYNrHg;gNj vkJ Nehf;fkhFk;...tYNrHg;gNj vkJ Nehf;fkhFk;...tYNrHg;gNj vkJ Nehf;fkhFk;...tYNrHg;gNj vkJ Nehf;fkhFk;...

    HNB fpuhkpd; ntypkil fpisHNB fpuhkpd; ntypkil fpis

    ehl;by; Gjpa Ranjhopy; Kaw;rpfis Muk;gpj;Jehl;by; Gjpa Ranjhopy; Kaw;rpfis Muk;gpj;J

    cq;fSf;F njuptpg;gNj vkJ gpujhd Nehf;fkhFk;. vr;.vd;.gp.fpuhkpd; ntypkil fpis thbf;ifahsH

    tnuypahtpy; fSf;F fpisapy; gJis tPjpf;F toq;fg;gLk; jpUk;gp ehk; NritfisAk; gy;NtW `f;fiyia ,lHghLfSf;F

    mz;kpj;j NghJ> ,t;tsT kj;jpapy; fpuhkpd; NeuKk; thdf; Nehf;fj;ij FKWy;fSld; kz;iz eilKiwg;gLj;Jtjw;eidj;Jf; nfhz;bUe;j F ntypkil fpis kio jpBnud mjpfupf;f Mw;wptUk; njhlq;fpaJld; gq;fspg;gpidAk; fUthdkhf khwp Nkff; ,t;thu ,jopy; $l;lq;fSf;F kj;jpapy; vLj;Jiuf;f ehk; kioj;Jsp vq;fs; vjpHghHj;Js;Nshk;.Nkdpapy; glj; Jtq;fpaJ. vr;.vd;.gp.fpuhkpd; “ehd; `f;fiyf;F epWtdj;jpd; tUfpNwd;. ehq;fs; tUk; ntypkil topapy; `f;fiy fpisahdJ Njhl;lj;jpy; yPf;]; Mapuf;fzf;fhd gapHr;nra;ifapy; filj;njUit Etnuypa tPjpapy; jhz;b rw;W Kd;dhs; `f;fiy tiuAk;> tuTk; . . .” Nuh`d `g;Gj;jis tPjpapy; njhiyNgrpapy; `y;JKy;iy tiuAk; $wpdhH. mtH vkf;F Cth guzfk gpuNjrj;jpy; mspj;j thf;FWjpf;F clGry;yhit gjpyspf;f Kbahj tiuAk; 165 kj;jpa msTf;F mq;F epiyaq;fs; kio fLikahf epWtg;gl;Ls;sd. ,Ue;jJ. ,e;j kj;jpa gy;NtW ntypkilapy; ,Ue;J epiyaq;fs; Clhf ifj;njhopg];]py; Vwp `f;fiyf;F tiyaikg;gpy; 22 me;jg; gpuNjrj;jpy; y;fspd; Nfe;jpu epiyak; tUif je;j Nuh`d> fpisahf nraw;gl;L ifj;njhopypy; vd;W $w KbahJ. mtUila rpwpa tUfpd;wJ. fWNkfk;> Fwpg;gpLtjhapd; 165 fspd; ehshe;j nryT gpurpj;jp ngw;w ,lkhFk;. ,uT> gfy; ghuhJ fpuhkpd; kj;jpa epiyaq;fs; fis g+Q;nrbfs;> thbf;ifahsHfSf;F Clhf nraw;gLj;jg;gl;L gLk; “,yF fld;” rpwpa Ranjhopy; Nrit toq;FtNj vkJ tUfpd;wd. ,e;j kj;jpa jpl;lj;jpd; fPo; 70 kpy;yp Kaw;rpfs; vd;gd Nehf;fkhFk;. ,jd; %yk; epiyaq;fs; Clhf vkJ ad; &gh flidAk;> ,g;gpuNjr kf;fspd; vkJ thbf;ifahsHfs; mq;fj;jtHfspd; mq;fj;jtHfspd; FLk;g tho;thjhu khHf;fq;fshf jpUg;jpgLj;j ifj;njhopiy cWg;gpdHfSf;F fld; fhzg;gLfpd;wd. Ntz;Lnkd;gjhFk;. ,J Nkk;gLj;jTk; Gjpjhf ghJfhg;G epjpaj;jpdhy; ,g;gpuNjr kf;fspd; ntypkil fpis ifj;njhopy;fis 322>500 &gh kuzhjhu tho;tjhuj;ij Nkk;gLj;jp Kfhikahsupd; fUj;jhf Muk;gpg;gjw;F Njitahd nfhLg;gdthf mtHfspd; Ra njhopy; fhzg;gl;lJ. ntypkil epjp cjtpfisAk; toq;Ftjw;Fk; ehk; Kaw;rpfis tpUj;jp fpisapd; nraw;ghLfis MNyhridfisAk;

    nra;tjw;fhd epjp “nkn`tu” Clhf toq;fp tUfpd;Nwhk;. cjtpfis toq;f

    vr;.vd;.gp.fpuhkpd; ntypkil fpis cj;jpNahfj;jHfs;vr;.vd;.gp.fpuhkpd; ntypkil fpis cj;jpNahfj;jHfs;

    fhkpdp Muparpq;fgpuNjr

    KfhikahsH

    uq;fd ky;ythuhr;rpgpuNjr

    KfhikahsH

    Nuh`d mNgNrfufpis

    KfhikahsH

    gpujPg; ep\he;jfpis cjtp KfhikahsH

    F\he;j rkpe;jcjtp

    fzf;fhsH

    5Mk; gf;fk;

    ,Uspy; njupahtpl;lhYk; epoy; vd;Wk; cq;fis tpl;L nry;yhJ.

    nkn`tunkn`tunkn`tunkn`tunkn`tu HNBfpuhkpd;HNBfpuhkpd;

    jPgpf epyq;fntspf;fs

    KfhikahsH

    Jkpe;j jD}[ntspf;fs

    KfhikahsH

    Mf;fk; - kQ;Rs gpughj; n`l;bahuhr;rpglg;gpbg;G: yf;\;kd; FkhuJq;f

    gpuNjr KfhikahsHfhkpdp Muparpq;fgpuNjr KfhikahsHuq;fd ky;ythuhr;rpfpis KfhikahsHNuh`d mNgNrfufpis cjtp KfhikahsHgpujPg; ep\he;jcjtp fzf;fhsHF\he;j rkpe;jntspf;fs KfhikahsHfs;Jkpe;j jD}[jPgpf epyq;fntspf;fs cj;jpNahfj;jHfs;cghyp [atHjd[df; gpughj;jpyf; ge;Jyrh`u rk;gj;rkd; kdJq;furpf gpurd;dA+.vk;.MH. rkpe;jjpypg; kJrq;frkj; c\hd;rhku Etd;fhkpdp gpurd;d,e;jpf N`uj;fzf;F cjtpahsHfs;re;jd Fzjpyfrkpy kJrq;frQ;rPt [ayj;tre;j uQ;rpj;epiwNtw;W Nrkpg;Grkpe;j G\;gFkhuepiwNtw;W rl;lk;,]hu rq;fPj;epiwNtw;W – SME fld;rhku jpYf;

    vr;.vd;.gp.fpuhkpd; ntypkil fpiscj;jpNahfj;jHfs;

  • kuf;fwp cw;gj;jpfSf;F ntypkil gpur;rpj;jp Njitg;gLk;. ehd; vr;.vd;.gp.fpuhkpd; ngw;w ,lkhFk;. Fwpg;ghf cUisf;fpoq;F> epWtd;jpy; gapHr;nra;iff;F Njitahd yPf;];> ful;> Nfhth Nghd;w cw;gj;jpfs; gzj;ijg; ngw;Wf; nfhs;Sk; Nehf;fpNyNa gpujhdkhdit. Mde;j yf;\;kpapd; yPf;]; ,ize;J nfhz;Nld;. flidg; ngw;Wf; cw;gj;jpfs; gJis> `f;fiy tPjpapd; nfhs;Sk; Vida epjp epWtdq;fs; `f;fiyf;F mUfhikapy; cs;s FWf;F fhzg;glhj ,yF jpl;lq;fs; fpuhkpd; tPjpf;F nrd;why; ghHitapl KbAk;. epWtdj;jpy; fhzg;gLfpd;wd. fle;j %d;W `f;fiyapd; ,Ugf;fj;ijAk; ClWj;J Mz;Lfshf gy jlitfs; gy;NtW kiof;F kj;jpapy; ehk; mtupd; yPf;]; njhiffspy; flidg; ngw;Ws;Nsd;. ,e;jf; cw;gj;jpia ghHf;fr; nrd;Nwhk;. ghupa fhyg;gFjpapy; ehd; NtW epWtdq;fSf;F gs;sj;jpy; ehl;lg;gl;bUe;j gapHfis nry;yhikf;fhd fhuzk; vkf;F jpUg;jpahd mtjhdpf;Fk; NghJ mit kpfTk; mofhf epjpr; Nritnahd;W vr;.vd;.gp.fpuhkpd; Njhw;wkspj;jd. epWtdj;jpy; fpilg;gjhyhFk;.vkJ jha;> je;ijaUk; ,Nj njhopypy; Nf. Mde;j yf;\;kp jyjh toq;Fk; NghJ me;j Kaw;rpapy; E}w;Wf;F E}W khspif ngun`u> ,uTf; fhl;rpfs; Mfpad tPjk; KjyPL nra;fpwhHfs; vd;gijNa tPl;bd; RtHfspy; njhq;ftplg;gl;L mtjhdpf;fpwhHfs;. Vnddpy; ,jd; %yNk fhl;rpg;gLj;jg;gl;bUe;jd. ,J mtuJ tpahghuj;jpd; ntw;wp jq;fpAs;sJ. vkJ Mw;wy;fspd; ntspg;ghL khj;jpukpd;wp gilg;GfSf;F re;ijapy; ey;y fpuhf;fp fiyQupd; gilg;ghfTk; fhz Kbe;jJ. ,e;jj; epyTfpwJ. ,jdhy; vkJ njhopy; Kaw;rpapd; njhopiy rpwg;ghf Kd;ndLf;f vjpHfhyk; njhlHgpy; re;Njfk; nfhs;sj; vr;.vd;.gp.fpuhkpd; “jpupa” fld; jpl;lk; Njitapy;iy.mtUila tsHr;rpapy; ghupa epthuzkhFk; .

    . . mtuplk; ,J njhlHgpy; Nfl;l NghJ>jpUkjp MH.V.vy;. ngNuuhRkhH MW tUlq;fshf ,e;jj; njhopypy; ntuy;ytj;ij> ,Uf;fpwJ. ,d;W tiu ehd; gapHr;nra;ifapy; mjpfkhdtHfs; ,uz;liu ,yl;rk; &gh tiu fld; nfhz;L ngw;w fld; njhifahy; re;jyp fhHld;];gzg;gpur;rpidia ,yFthf jPHj;Jf; tpu`htj;jnfhs;s Kbe;jJ. Vnddpy;> gzk;

    vkJ tpahghuj;ij fl;bnaOg;g Kbe;Js;sJ

    vkJ tpahghuj;ij fl;bnaOg;g Kbe;Js;sJ

    ehk; jpUg;jpailAk; tifapy; Ez;epjpr; Nritia

    vr;.vd;.gp. fpuhkpd; epWtdk; toq;fp tUfpd;wJ

    vd;gJ njhlHgpyhd gapw;rpg; ngw;Wf; nfhLg;Nghk; vd ehk; ,e;j ghriwfisAk; elj;jpAs;Nshk;. re;jHg;gj;jpy; njuptpj;Jf; nfhs;s mt;thNw mq;fj;jtH r%f eyd;Gup tpUk;GfpNwhk;.eltbf;if vLj;Js;Nshk;. NritfisAk; ,g;gpuNjrj;jpy; ,d;W `l;ld; e\dy; tq;fpAld; Rkhuhf Fwpg;gpLtjhapd; fhzg;gLk; f\;lg; ghlrhiyahd ,ize;J epjp epWtdkhf mq;fj;jtHfSldhd fye;Jiuahly; cL`htu kfh tpj;jpahyj;jpd; ngaH Kd;dpiyapy; jpfo;e;J epjpr; Nritapy; njhopy; Kaw;rp MNyhrid vd;gd gyifiaAk; HNB fpuhkpd; Nrkpg;G ghupa gy;NtW khw;wq;fis HNB elj;jg;gl;Ls;sd. gpuptpd; mDruizapy; epHkhzpj;Jf; fpuhkpd; epWtdj;jpdhy; Vw;gLj;j Nehf;fkhFk;.,jd; %yk; fle;j fhyj;jpy; nfhLg;gjw;F vq;fshy; Kbe;jJ. epjpj; Kbe;Js;sJ. rpwpa Kaw;rpahsHfisg; vr;.vd;.gp.fpuhkpd; igdhd;]; ypkpl;nll; gapHr;nra;ifAld; njhlHGila Jiwapy; ehshe;jk; tsHe;J tUk; Nghd;W vkJ mq;fj;jtHfSf;F ,y. 33/1epWtdq;fis ,izj;Jf; nfhz;L khw;wq;fis ftdj;jpy; nfhz;L rpwg;ghdJk; ,yFthdJk; Gjpa ehw;WNkil kw;Wk; Vida Vida `g;Gj;jis tPjp> ntypkilkpfTk; ek;gpf;ifAk;> jukhd Ranjhopy; Kaw;rpf;fhd re;jHg;gq;fis gapHr; nra;iffis etPd El;gq;fis njhiyNgrp: 057 2244800NritiaAk; vkJ Vw;gLj;jpf; nfhLj;J nghUshjhu ifahz;L vt;thW Nkw;nfhs;tJ kpd;dQ;ry;: thbf;ifahsHfSf;F njhlHe;J mgptpUf;F gf;fgykhf jpfo;tNj vkJ [email protected]

    ''' 4 Mk; gf;fj; njhlH

    2015 etk;gH05

    Nrkpg;gpd; %yk; mjpf tl;biag; ngw;Wf;nfhs;tJld; Nrkpg;G gof;fj;ijAk; vk;khy; filg;gpbf;f Kbe;Js;sJ

    nkn`tunkn`tunkn`tunkn`tunkn`tu

    njhopy; nra;a mQ;RgtDf;F tho;f;ifapy; xU ehSk; Kd;Ndw KbahJ.

    ntw;wpf; nfhbapd; mUfpy;

    ntw;wpf; nfhbapd; mUfpy;

  • 2015 etk;gH06

    ve;jnthU Ez; epjp fli

    d vLf;f cs;shH ,yFthf njhlHG nfhs;Sk;

    epWtdKk; fld; vd;gJ njhlHghfTk; fld; K

    iw mjhtJ flDf;F

    toq;Ftjd; %yk; toq;Fk; cj;jpNahfj;jUf;F tp

    z;zg;gpf;Fk; egupd; Kftup> fld; ngWgtupd;

    tUkhdj;ijg; ngw;Wf; XusthfNtDk; mwpe;J F

    Lk;g tpguq;fs;> cly; tUkhdj;Jf;F Vw;g mtupd;

    nfhs;fpd;wd. kpfr; rpwe;j nfhs;s KbAk;.

    eyk;> fy;tpj;juk;> njhopy; nryT nra;ag;gLfpd;wjh

    flndhd;iw toq;Fk; NghJ tha;g;G> ifj;njhopYld; vd;gij Muha;e;J

    mjw;Nfw;g

    Vida epjp epWtdq;fspd; njhlHGila jfty;fs; tpz;zg;gjhupf;F

    flid ve;j

    Nghl;bf;F Kfk; nfhLf;f kw;Wk; mJ vt;tifahd mbg;gilapy; ngw

    ;Wf;

    Ntz;ba rthiyAk; epjp njhopy; Nghd;w tplaq;fs; nfhLg;gJ vd;gJ

    njhlHghd

    epWtdq;fs; vjpHNehf;f ntspg;gLj;jg;gl Ntz;Lk;.

    fld; tpz;zg;gg;gj;jpuk; nraw;ghl;il Ez; epjp

    Ntz;bNaw;gLk;. xU flDf;F tpz;zg;gpg;gtupd;

    ahUf;F toq;fg;gLfpwJ epWtdq;fs; vt;tpjk;

    epWtdk; Nghl;bf;F Kfk; epue;ju tUkhdk; njhlHghd

    vd;gij njspthf Gupe;J ifahSfpd;wd vd;gij

    nfhLf;Fk; NghJ kpfr; rpwe;j jftYk; ntspg;gLj;jg;gl

    nfhs;Sk; tifapy; MuhAk; nraw;ghl;il vrpl;

    flndhd;iw toq;Ftjpy; Ntz;Lnkd;gJ fld;

    vspikahf jahupf;fg;gl nl];l vd mwpKfg;gLj;j

    ghupa rthy;fSf;F Kfk; tpz;zg;gjhupapd; tpNrl

    Ntz;Lk;. ngw;Wf; KbAk;.

    nfhLf;fyhk;. nkhl;ilf; nraw;ghlhFk;. mt;thNw

    nfhs;gtupd; jfty;fs;> fld; ,jpy; FLk;gj;jpd; khjhe;j

    fj;jpapy; ghy; vLg;gJ Nghd;w flDf;F tpz;zg;gpg;gtupd;

    ngWtjw;fhd cz;ikahd nrytpidAk;> ifj;njhopypd;

    ,e;j nraw;ghlhdJ tUkhdk; vt;tpjk;

    Nehf;fk; vd;gd %yk; ngwf;$ba

    thbf;ifahsiu fpilf;fpd;wJ vd;gJ

    Fwpg;gplg;gl;bUg;gJld; tUkhdj;ij fzf;fPL nra;J

    jpUg;jpgLj;JtJk; mtHfis njhlHghfTk; rupahd

    mtw;iw thbf;ifahsH me;j khjj;jpd;

    rupahf milahsk; fhz;gJk; jfty;fis ntspg;gLj;j

    ,yFthf ngw;Wf; nfhs;Sk; tUkhdj;Jf;Fk;

    flid toq;Fgtupd; Ntz;Lk;. flDf;F

    tifapy; njuptpf;fg;gl;bUf;f nrytpdJf;Fk; ,ilapyhd

    nghWg;ghFk;. tpz;zg;gpg;gtH tUkhdj;ij

    Ntz;Lk;. rpy NtWghl;bd; Ik;gJ

    thbf;ifahsiu ehshe;jkh> khjhe;jkh

    thbf;ifahsHfSf;F vOjj; rjtPjj;ij Ez; epjp

    jpUg;jpgLj;JtJ njhlHgpy; mt;thwpy;iyahdhy; xU

    njupahj fy;tpapy; epWtdq;fs; fldhf toq;f

    Ez; epjp epWtdq;fs; Fwpg;gpl;l fhyg;gFjpapyh

    fPo;kl;lj;jpy; ,Ug;gtHfs; KbAk;. mz;zsthf

    filg;gpbf;f Ntz;ba Nghd;w tplaq;fisAk;

    flDf;fhf tpz;zg;gpf;Fk; njuptpg;gjhdhy;>

    eilKiwfs; njhlHgpy; mtupd; nrhj;J

    NghJ fld; tpz;zg;gjhup ifj;njhopy;

    fle;jthu nk`tu tpguq;fisAk; mjd;

    tpz;zg;gg;gbtj;ij fld; %yk; khjhe;jk; xU

    rQ;rpifapy; ehk; tpupthf jd;ikfisAk;

    toq;Fk; cj;jpNahfj;jupdhy; ,yl;rk; tUkhdkhf

    cq;fSf;F tpz;zg;gg;gbtj;jpy;

    g+Hj;jp nra;J nfhLf;f ngw;why; tPl;L nrytpdk;

    njuptpj;jpUe;Njhk;. Cf;Ftpg;G ntspg;gLj;j Ntz;Lk;.

    Ntz;bNaw;gLk;.50>000&ghthf ,Ue;jhy;

    Ntiyj;jpl;lj;jpd; %yk; ifj;njhopypd; ghJfhg;G

    fld; tpz;zg;gg;gbtj;jpy; ,jw;fpilapyhd NtWghL

    my;yJ NtW topapy; flid njhlHgpYk; tpz;zg;gjhupapd;

    fld; njhifia ngw;Wf; 50>000&ghthFk;. 50tPjk;

    ngw;Wf; nfhs;tjw;fhf Ez; ifj;njhopy; jpl;l

    nfhs;Sk; NghJ vd;why; 25 tPjj;ij fldhf

    epjp epWtdq;fSf;F tUif mwpf;ifAld; jdJ jdpg;gl;l

    Fwpg;gplg;gl;bUf;Fk; epjp epWtdq;fSf;F toq;f

    jUk; thbf;ifahsupd; tho;f;ifapy;

    rYiffs;> fld; KbAk;. ,jdbg;gilapy;

    jfty;fis mwpe;J cUthf;fg;gl;ljh vd;gJ

    tpz;zg;gjhup nfhz;bUf;f flDf;F tpz;zg;gpg;gtH

    nfhs;tJ mtHfspd; njhlHgpy; fld; ngWgtH

    Ntz;ba jFjp vd;gd tpz;zg;gg;gbtj;ijAk;

    g+uzg;gLj;jg;gl;l fld; mwpe;jpUe;jhy; flid kPsr;

    njhlHghfTk; tpupthf vrpl;nl];l; fzf;fPL nra;J

    tpz;zg;gg;gbtj;jpyhFk;. nrYj;Jtjpy; Vw;glf;

    Fwpg;gplg;gl;bUf;f Ntz;Lk;.mjdbg;gilapy; Ez; epjp

    me;j fld; $ba jhkjq;fis

    tpz;zg;gg;gbtj;jpy; epWtdq;fs; fld; toq;Fk;

    tpz;zg;gg;gbtj;jpd; Clhf Fiwe;j kl;lj;jpy;

    toq;fg;gl;Ls;s njhifia jPHkhdk; nra;a

    nfhLf;fy; thq;fy; nra;gtH Ngzf; $bajhf

    jfty;fSf;F Vw;g flDf;F KbAk;.

    njhlHghfTk; mtH; vt;tsT ,Uf;Fk;.

    tpz;zg;gpf;Fk; egiu

    vrpl; nl];l; (Acid Test)

    fld; tpz;zg;gg;gbtj;ij

    jahupg;gJ vt;thW?

    fld; tpz;zg;gg;gbtj;jpd; gq;fpid mwpNthk;

    fld; tpz;zg;gg;gbtj;jpd; gq;fpid mwpNthk;

    ePq;fs; fhyj;ij tPzbj;jhy; fhyk; cq;fis tPzbf;Fk;.

    nkn`tunkn`tunkn`tunkn`tunkn`tuMicro Finance vz;zf;fU rpwg;G ghHit

    gpiuk; fpuhkpd; ikf;Nuh gpdhd;]; fk;gdpapd;

    Kfhikj;Jt gzpg;ghsH / gpujk epiwNtw;W mjpfhup

    rkpe;j gpughj; mtHfSldhd

    NeHfhziy fPNo jUfpd;Nwhk;

  • 2015 fkdjeïn¾

    07fufyjrfufyjrfufyjrfufyjrfufyjr

    fï ish¨ ld¾hhka j,ska

    n,dfmdfrd;a;= wjidk m%;sM,h

    imsreKfyd;a ú;rhs oji M,odhs ojila

    f,i yeÈkaúh yelafla' jevfmdf,aÈ;a flfrk

    ish¨ ld¾hhka j, wod,u m%;sM,h ,nd .kafka kï

    muKla ojfia M,odhs;dj ,nd.; yelshs'

    ;uka fkdokakd wkd.;hg" l,a we;sj ìh úh hq;= ke;'

    2015 etk;gH07ehspd; ,dpikahd vl;L kzpj;jpahyq;fs;ehspd; ,dpikahd vl;L kzpj;jpahyq;fs;

    rfy nraw;ghLfspYk; vkf;F

    fpilf;f Ntz;ba ngWNgWfs;

    fpilj;jhy; khj;jpuNk me;j ehs;

    cw;gj;jpjpwdhd ehshf fUj KbAk;.

    gzpGupAk; ,lq;fspYk; nra;Ak; Ntiyf;Nfw;w

    ngWNgW fpilg;gjd; %yNk cw;gj;jp jpwid

    mile;J nfhs;s KbAk;.

    jkf;F njupahj vjpHfhyk;> foptjhf vz;zp gag;glf;$lhJ.

    nkn`tunkn`tunkn`tunkn`tunkn`tu

    gzpfspd; cw;gj;jpj;jpwid mstpLtjw;F mJnthd;Wk; mbkl;lky;y

    KOikahf fpilf;fhJ. ,t;tpjk; czT cl;nfhs;sy;> fy;tp fw;wy; Nghd;w rfy g+Hj;jp nra;ag;gl;l xd;Wf;F vd;W nraw;ghLfSk; ntt;Ntwhf $w KbAk;. cjhuzkhf $Wtjhapd; fhzg;gl;lhYk; mtw;Wf;fpilapy; fhiy Ntisapy; fhupahyak; neUq;fpa njhlHG cw;gj;jpjpwDld; Muk;gpf;fg;gl;lJ Kjy; khiy fhzg;gl Ntz;Lk;. rhg;gpl;lTld; grpahw Ntisapy; fhupahyak; %lg;gLk; Ntz;Lk;. fy;tp fw;why; gbj;j ghlq;fs; cw;gj;jp jpwd; vd;d vd;gij ehk; tiuapy; njhopy;GupAk; gzpahsHfSf;F Qhgfj;jpy; ,Uf;f Ntz;Lk;. ,e;j rfy Kjypy; mwpe;J nfhs;Nthk;. ,e;jf; rupahfTk;> KOikahfTk; ,Jjhd; nraw;ghLfspYk; vkf;F fpilf;f fUj;jpid ,uz;lhfg; gpupj;J ghHj;jhy; ,d;W vk;khy; g+Hj;jp nra;ag;gl;Ls;sJ Ntz;ba ngWNgWfs; fpilj;jhy; mjd; mHj;jj;ij ,yFthf Gupe;J vd;W $w KbAk;. ,jd; mLj;j khj;jpuNk me;j ehs; tpidj;jpwdhd / nfhs;syhk;. cw;gj;jp – jpwd;. nrhy;yhdJ nray;jpwdhFk;. cw;gj;jpjpwdhd ehshf fUj KbAk;. cw;gj;jpia Cf;Ftpg;gjhFk;. mjhtJ ,jid fl;lhakhf xt;nthUk; nra;Nj gzpGupAk; ,lq;fspYk; nra;Ak; Kaw;rpapd; %yk; ngWNgiw ngw;Wf; Mf Ntz;Lk;. egH xUtH me;j ehspy; Ntiyf;Nfw;w ngWNgW fpilg;gjd; nfhs;tjhFk;. Mq;fpyj;jpy; ,e;j nra;j Ntiyfspd; xl;Lnkhj;j %yNk cw;gj;jp jpwid mile;J nrhy;Yf;F gy;NtW mHj;jq;fs; nraw;ghLfNs cw;gj;jpjpwdhFk;. nfhs;s KbAk;. fhzg;gLtJld; cw;gj;jp jpwd; vd;w xf;];Nghl; mfuhjpapy; cw;gj;jpjpwd;

    vd;w nrhy;Yf;F gy gFjpfspd; nrhy;Yf;F Mq;fpyj;jpy; ehk; Muk;gj;jpy; Fwpg;gpl;lJ Nghd;W xl;Lnkhj;j ntspaPlhFk; vd;W vd;W $wg;gLfpwJ. ,e;j nrhy;yhdJ cw;gj;jpjpwid mile;Jnfhs;s rpy Fwpg;gplg;gl;Ls;sJ. rhjhuz gy gFjpfisf; nfhz;L tplaq;fis eilKiwg;gLj;j thHj;ijapy; nrhy;tjhapd; xU ehspd; cUthf;fg;gl;Ls;sij mwpaf;$bajhf Ntz;bAs;sJ. epWtdq;fisg; ,Wjpapy; jdpegH xUtH tpidj;jpwd; ,Uf;fpd;wJ.nghWj;jtiu njhopy; nra;Jtpl;L khiy kpf;f egH vd;gJ jPHkhdpf;fg;gLtJ me;j Neuj;jpy; ifnahg;gkpl;L tPL nry;y egH mjpfhiyapy; Japy; vOe;jJ Kjy; ,e;j trdq;fspy; Ntz;Lk;. rfyUk; rfy re;jHg;gj;jpYk; epj;jpiuf;F nry;Yk; tiuapyhd nrhw;fs; cile;J fhzg;gLtij mjpf Ntiyg;gS vd;W fhl;bf;nfhs;tH. fhyg;gFjpapy; ngw;w ngWNgWfis mtjhdpf;f Kbfpd;wJ. rpy re;jHg;gj;jpy; czT cz;Zk; Fwpf;fpd;wJ.

    mjhtJ Neuj;jpYk; Ntiy nra;J nfhz;bUg;gH. gy;NtW fUj;Jf;fs; fhzg;gLfpwd. vdpDk; njhlHr;rpahf midj;J jdpg;gl;l tho;f;ifapy; ,jid ,it midj;Jk; xd;wpize;Nj cw;gj;jp NtiyfisAk; xd;Wjpul;b nra;jhYk; cjhuzkhf $Wtjhapd;> ehshe;j jpwd; vd miof;fg;gLfpwJ. jahupg;G> me;jf; FO tpidj;jpwd;kpf;fjh vd;gij tho;tpy; gpujhd xd;whf Fspj;jy; nraw;ghL> cw;gj;jpjpwd;> rhHG Mfpa KbT nra;a KbahJs;sJ. ,jd; fhzg;gLfpwJ. Fspj;j gpd;dH rpy fUj;Jf;fis cs;slf;fpaNj fhuzj;jpdhy; jhd; mjpf Ntiyg;gS tplaq;fs; vk;kpy; ,aw;ifahf cw;gj;jpjpwdhFk;. ,jpy; fhzg;gLk; tpidj;jpwd; vd;W $w KbahJ. ,jw;F Vw;gLfpd;wd. njspT> kdkfpo;r;rp>

    vd;w nrhy;ypd; fUj;jhdJ ey;ynjhU fijia $w KbAk;.RWRWg;G> xU Ntiyiar; nra;tjpy; cw;gj;jp my;yJ epHkhzk; my;yJ MHtk; Vw;gLtJld; clk;G mJ vd;d…? mLj;j ,jopy; re;jpg;Nghk;jahHgLj;jy; Mfpa mHj;jq;fis gupRj;jkile;Js;sJ vd;W czHTk;

    vk;kpy; Vw;gLfpd;wJ. ,t;tpjk; vkf;F nfhz;bUf;fpwJ. vk;khy; Vw;glhtpl;lhy; mjd; tpidj;jpwd; nra;ag;gLk; xd;whFk;.

    product

    activity

    Productivity

    Pro - duct – tivity

    Pro - product - activity - productivity - pro-

    product

    product MSikg; gapw;rp epGzHFkh ,j;jy;fk

  • 2015 etk;gH08

    $Ljyhd ghuk; J}f;ff;$ba gpuhzp Njdp

    $Ljyhd ghuk; J}f;ff;$ba gpuhzp Njdp

    kdpj clypy; cs;s rhjhuz ,uj;jj;jpd; msT 5.5 yPw;wHkdpj clypy; cs;s rhjhuz ,uj;jj;jpd; msT 5.5 yPw;wH

    tz;LfSf;F EiuaPuy; ,y;iytz;LfSf;F EiuaPuy; ,y;iy

    cyfj;jpw;F rupahd Neuj;ijf; fhl;bf; nfhLg;gJ ,q;fpyhe;jpy; cs;s fpuPd;tPr; Ma;Tf;$lkhFk;.

    cyfj;jpw;F rupahd Neuj;ijf; fhl;bf; nfhLg;gJ ,q;fpyhe;jpy; cs;s fpuPd;tPr; Ma;Tf;$lkhFk;.

    gw;fspd; vz;zpf;ifia itj;J Fjpiuapd; taij mwpa KbAk;gw;fspd; vz;zpf;ifia itj;J Fjpiuapd; taij mwpa KbAk;

    kdpjdpd; ehb ehshe;jk; gj;jhapuk; jlitfs; Jbf;fpd;wd

    kdpjdpd; ehb ehshe;jk; gj;jhapuk; jlitfs; Jbf;fpd;wd

    ntl;Lf;fpspfspd; fhJ Koq;fhYf;F fPNo fhzg;gLfpwJ

    ntl;Lf;fpspfspd; fhJ Koq;fhYf;F fPNo fhzg;gLfpwJ

    rdj;njhif ngUFk; NghJ “Nykpq;” vd;w capupdk; jd;idj; jhNd jw;nfhiy nra;J nfhs;Sk;

    rdj;njhif ngUFk; NghJ “Nykpq;” vd;w capupdk; jd;idj; jhNd jw;nfhiy nra;J nfhs;Sk;

    ypNah nlhy;];Njhapl; Aj;jKk; rkhjhdKk; vd;w E}iy

    njhlHr;rpahf 6 tUlq;fs; vOjpAs;shH“ ”

    ypNah nlhy;];Njhapl; “Aj;jKk; rkhjhdKk;” vd;w E}iy

    njhlHr;rpahf 6 tUlq;fs; vOjpAs;shH

    fly; ahidapd; clk;gpy; tpaHitf;F gjpyhf ,uj;jNk ntspNaWfpwJ

    fly; ahidapd; clk;gpy; tpaHitf;F gjpyhf ,uj;jNk ntspNaWfpwJ

    Ky;ye;jz;L xNu tupirahf fhzg;gLk; tpyq;fpdk; fhfkhFk;Ky;ye;jz;L xNu tupirahf

    fhzg;gLk; tpyq;fpdk; fhfkhFk;

    vWk;Gfs; jdJ fUj;Jf;fis cury;fs; %yk;

    gwpkhwpf; nfhs;fpd;wd

    vWk;Gfs; jdJ fUj;Jf;fis cury;fs; %yk;

    gwpkhwpf; nfhs;fpd;wd

    GJikkpF cyfk;GJikkpF cyfk;

    Njhw;Nghk; vd;w vz;zj;ij iftpl Ntz;Lk;.

    nkn`tunkn`tunkn`tunkn`tunkn`tu

  • 2015 etk;gH09

    fhypd; Clhf Urpia mwpAk; fly;ez;Lfhypd; Clhf Urpia mwpAk; fly;ez;L

    fly; ez;L jdJ fhypd; %yNk cztpd; Urpia mwpe;J nfhs;fpwJ vd;w nra;jp vkf;F GJikahf ,Uf;fyhk;. mjhtJ fly; ez;Lfspd; gw;fs; jdJ fhy;fSf;F mUfpNyNa fhzg;gLfpd;wd. rpWePufk; new;wpf;F gpd;dhy; fhzg;gLfpd;wJ. ,jd; fhy;fspd; %yk; rj;jj;ij mwpe;J nfhs;fpwJ.

    cyfpy; epHkhzpf;fg;gl;l kpf caukhd fl;blk; vd;w rhjidia GH[; fyPgh fl;blk; gilj;Js;sJ. ,e;j fl;blk; 2010 [dtup khjk; 04Mk; jpfjp jpwe;J itf;fg;gl;lJ. ,J GH[; fyPgh NfhGuk; vd miof;fg;gLfpwJ. 828 kPw;wH cauk; nfhz;l mjhtJ 2217mb caukhd GH[; fyPgh nghJ kf;fs; ghHitapLk; tifapy; 160 khbfisf; nfhz;L epHkhzpf;fg;gl;Ls;sJ. ,jw;F Nkyjpfkhf nraw;ghl;L gzpf;fhf 46 khb fhzg;gLtJld; thfdq;fs; epWj;jp itg;gjw;fhf ,uz;L khbfSk; epHkhzpf;fg;gl;Ls;sd. ,e;j NfhGuj;jpy; 24>348 [d;dy;fs; ,Uf;fpd;wd.,e;jf; NfhGuj;jpd; ntspg;Gw Njhw;wkhdJ ghiytdj;jpy; g+f;Fk; ifnkNdhnfypf;]; kyiu mbg;gilahf itj;J epHkhzpf;fg;gl;Ls;sJ. 57 kpd; caHj;jpfSk; 8 khbfSf;F nry;Yk; tifapy; gbfl;LfSk; mikf;fg;gl;Ls;sd. mj;Jld; Nky; khbf;Fr; nry;Yk; kpd; caHj;jpahdJ tpehbf;F 10 kPw;wH Ntfj;jpy; nry;YkhW nghUj;jg;gl;Ls;sJ. ,JNt cyfpy; Ntfkhf nry;Yk; kpd; caHj;jpahfTk; fhzg;gLfpwJ. nghJkf;fs; ghHitapLk; tifapy; epHkhzpf;fg;gl;Ls;s ,e;jf; NfhGuk; Kd;gjpT nra;J ghHitapl KbAk;. mt;thNw> xU Fwpg;gpl;l msT gzj;ijAk; nrYj;jp NfhGuj;ij ghHitapl KbAk;.

    cyfpd; kpfTk;caukhd fl;blk;cyfpd; kpfTk;caukhd fl;blk;

    600 nluhNthy;l; ntg;gj;ij ntspapLk; kPdpdk;600 nluhNthy;l; ntg;gj;ij ntspapLk; kPdpdk;

    tho;ehs; KOJk; njhq;fpf; nfhz;Nl thOk; capupdk; rpye;jp

    tho;ehs; KOJk; njhq;fpf; nfhz;Nl thOk; capupdk; rpye;jp

    cyfpd; gpurpj;jp ngw;w irf;fpNshl;l rthup rPdhtpd; gP[pq; efupy;

    cyfpd; gpurpj;jp ngw;w irf;fpNshl;l rthup rPdhtpd; gP[pq; efupy;

    cyfpd; ntg;gkhd ,lkhf fUjg;gLk; ,e;jpahtpd; lhH ghiytdk;

    cyfpd; ntg;gkhd ,lkhf fUjg;gLk; ,e;jpahtpd; lhH ghiytdk;

    jilfSf;F kj;jpapy; ngWk; ntw;wpahdJ nghWikapd; tbtkhFk;.

    nkn`tunkn`tunkn`tunkn`tunkn`tu

  • th

    Mf;fk;kQ;Rs n`l;bahuhr;rp

    glk;: yf;\;kd; FkhuJq;f

    o;f;ifapy; kpd;rhuk; rpyUf;F rfy ,Uf;ftpy;nry;tq;fs; iy. gbj;j ,aw;ifahfNt Kbe;jTld; fpilf;fpd;wd. ehd;

    vdpDk; mNdfkhdtHfspd; njhopy; tho;f;ifia mtjhdpf;Fk; xd;iwj; NghJ mtHfspdhy; kpfTk; NjbNdd;. f\;lg;gl;L Njl vdpDk; Ntz;bapUf;fpwJ. ,t;tpjk; xU vdf;F tho;f;if ,uz;L gpuptpduhf fpilf;ftpy;iy. ,UNtwhf fpilj;Js;sik ijay; njhopy; ,aw;if tukhfTk; my;yJ vdf;F rpW taJ ,t;TyFf;F ,t;tpjk; jhd; Kjy; ey;y

    Kiwg;ghL njuptpf;fg;gl;lJ. mDg;gg;gl;Ls;Nshk; vd;W fUjp MHtk; ,Ue;jJld; mjid flDf;F gzk; vLg;gJ> tl;b tho;tjw;F ehk; gofpf; nfhs;s ed;whf gapd;wpe;Njd;. ,Ug;gij nrYj;JtJ Mfpad Ntz;Lk;. itj;J tho;f;ifia ,];yhj;jpy; jil tho;f;ifapy; ,lk;ngwf;$ba elj;Jtjw;F ehd; gofpf; nra;ag;gl;bUg;gjhyhFk;. me;j ,d;g> Jd;gq;fis epidj;J nfhz;Nld;. mt;tpjk; ehd; re;jHg;gj;jpy; ehd; fpuhkpd; ftiyailahky; nghWik> tPl;by; ,Ue;Nj ijay; epWtdj;jpy; mq;fj;jtuhf tpl;Lf; nfhLg;G kw;Wk; njhopiy nra;a Muk;gpj;Njd;. ,ize;J 25>000&gh flidg; cWjpAld; gyH tho;f;ifapy; vdJ jhahUk; cjtp nra;jhH. ngw;wpUe;Njd;. gs;spthry; ntw;wp ngw;Ws;sdH. vdpDk; mf;fk; gf;fj;jpy; cs;stHfspd; Clhf vdf;F cjtp nra;jhy; gpwf;Fk; NghNj rfy MilfisNa Muk;gpj;jpy; ehd; me;j epWtdj;jpy; ,Ue;J nry;tq;fSld; gpwe;jtHfis ijj;J nfhLj;Njd;. ,e;jg; flDf;F gzk; vLf;f khl;Nld; tpl tho;f;ifapy; f\;lg;gl;L gpuNjrj;jpy; ve;jnthU ijay; vd;W $wpNdd;.Kd;dpiyf;F te;jtHfs; me;j epiyaKk; mf;fhyj;jpy; ehd; fpuhkpd; epWtdj;Jld; ntw;wpia ngWtjw;fhf jhd; ,Uf;ftpy;iy. ,t;tpjk; njhlHe;J mq;fj;jtuhf f\;lg;gl;l mDgtj;ij ,Uf;Fk; NghNj ehd; jpUkzk; ,Ue;Njd;. flDk; vLj;J gyjlit $wpAs;sij ehd; nra;J nfhz;Nld;. vdJ fztH mjid kPsr; nrYj;jpNdd;. mwpe;jpUf;fpNwd;. fle;j Nry;]; nug; Mf njhopy; kPz;Lk; flid vLj;Njd;. fhyj;jpy; ,lk;ngw;w frg;ghd Gupe;jhH. jpUkzj;jpd; gpd;dH tPl;by; nra;J te;j mDgtq;fs; kw;Wk; gyfhykhf ehd; thliff;F ifj;njhopiy “nul;Nuh];” vd;w gpur;rpidfis ,d;Wk; ijay; nra;tij epWj;jp tpl;L ngaupy; ijay; epiyankhd;iw Qhgfg;gLj;jp mjd; tLf;fis kfuikapy; ,Ue;J Jzpfis Muk;gpj;Njd;. ,e;j gug;gsT ehshe;jk; epidj;J nfhz;L te;J ijg;gjw;F vq;fSf;F Nghjhky; ,Ue;jJ. nfhz;bUg;gJ tho;f;ifapy; Muk;gpj;Njd;. ,jd; NghJ ehd; ,jdhy;> vkJ filf;F vt;tpj gaDk; ,y;iy. kzkfs; myq;fhuKk; mUfhikapy; cs;s fhzpapy; cz;ikahfNt tuyhw;wpy; nra;Njd;. ,d;W mbf;nfhU filnahd;iw epHkhzpj;J ,Ue;J ghlq;fis fw;W mjd; kzkfs; myq;fhu filfs; tUfpNwd;. tpiutpy; mq;F vkJ %yk; tho;f;ifia ntw;wp fhzg;gl;lhYk; tpw;gid epiyaj;ij ngWtjw;F Kaw;rpfis mf;fhyg;gFjpapy; ,e;j elj;Jtjw;F jPHkhdpj;Js;Nsd;. Nkw;nfhs;tJ mtrpakhFk;. njhopYf;F me;jsTf;F vkJ gpuNjrj;jpy; gy ijay; ID}d; n[yPyh ]uPd;Bd; - ,tH Kf;fpaj;Jtk; nfhLf;ftpy;iy. epiyaq;fs; fhzg;gLtjhy; xU K];ypk; ngz;zhFk;. mt;thNw ,e;jj; njhopypy; vq;fSf;F Fiwthd ntypkilf;F mz;ikapy; vkf;F MW jrhg;jq;fSf;F Kd;dH khj;jpuNk ,Ue;Njd;. tPl;L njupe;jtHfs; Clhf ghupa ,tH gpwe;jhH. ,tH gpwf;Fk; NtiyfisAk; nra;J nfhz;L epWtdq;fSf;F nrd;W vkJ cw;gj;jpfis tpw;gid nra;J tUfpNwhk;. ,q;Fs;s ngUe;Njhl;lq;fSf;F nrd;W ehk; ijj;j cilfis flDf;F tpw;gid nra;fpNwhk;. rPl;L mbg;gilapy; toq;Ffpd;Nwhk;. tpahghunkhd;iw nra;Ak; NghJ ehshe;jk; ,lk;ngwf; $ba rthy;fSf;F Kfk; nfhLf;f gofpf; nfhs;s Ntz;Lk;. ,yhgKk;> e\;lKk; Vw;gLk;. mJjhd; tho;f;if. ,e;j midj;Jf;Fk; kj;jpapy; vr;.vd;.gp.fpuhkpd; epWtdk; vkf;F ghupa rf;jpahf gy tUlkhf vk;Kld; ,Ue;J tUfpwJ. vkJ ,d;g Jd;gj;jpy; gq;Nfw;Ws;sJ. ehk; ,yhgkilAk; NghJ cw;rhf%l;baJ. FLk;gj;jtH>

    NghJ me;jf; fpuhkk; ,d;W gps;isfisAk; ftdpj;Jf; md;gHfisg; Nghd;W fpuhkpd; ,Ug;gij tpl kpfTk; gpd;jq;fpa nfhz;L ehd; rpwpjhf ,e;jj; epWtdk; ,g;NghJ vkJ fpuhkkhf fhzg;gl;lJ. rNfhju> njhopypy; etPd “. . . td;dpa Fk;GW kfh fpis cj;jpNahfj;jHfis fhyj;ijAk; fopj;Jf; nfhz;bU tpj;jpahyaj;jpy; caH juk; re;jpj;J FUjyhitapy; kj;jpa g;gjw;F ehk; mtUf;F kFlk; tiu ehd; fy;tp fw;Nwd;. vkJ epiyankhd;iw Muk;gpf;FkhW #l;l Ntz;Lnkd;why; mJ ngw;NwhH vq;fis ed;whf Ntz;LNfhs; tpLj;Njd;. kpifahfhJ. gbf;FkhW cw;rhf%l;bdhHfs;. FUjyhitapy; kj;jpa ehq;fs; Fg;gp tpsf;fpidg; epiyankhd;W Muk;gpf;f ehk; gad;gLj;jp fy;tp fw;wJ ,d;Wk; gy;NtW Kaw;rpfis nra;Njhk;.Qhgfk; ,Uf;fpwJ. me;jf; ,e;j re;jHg;gj;jpy; vkJ fhyg;gFjpapy; vq;fSf;F gs;spthrypy; vdf;nfjpuhf

    2015 etk;gH10

    FLk;gj;jtH> cw;whiug; Nghd;WFLk;gj;jtH> cw;whiug; Nghd;W

    fpuhkpd; epWtdk;fpuhkpd; epWtdk;

    vkJ tho;f;ifapYk;,ize;J tpl;lJ

    vkJ tho;f;ifapYk;,ize;J tpl;lJ

    ntw;wp vDk; gazj;jpy; jil Vw;gl mJ re;ijf;$lk; my;y.

    nkn`tunkn`tunkn`tunkn`tunkn`tu fpuhkpd;rf;jp

    mtupd; tsHr;rp

  • 2015 etk;gH

    11cghyp... fs;tidg; gpbf;fehd;F kzpNeu Nghuhl;lk;Kd;ndLf;fg;gl;lJ...

    cghyp... fs;tidg; gpbf;fehd;F kzpNeu Nghuhl;lk;Kd;ndLf;fg;gl;lJ...

    cghyp [arpq;f

    FUehfy; fpis KfhikahsH

    cghyp [arpq;f

    FUehfy; fpis KfhikahsH

    KOg; ngaH:

    gpwe;j jpfjp :cq;fSf;F gpbj;j ghlrhiy:

    tho;f;ifapy; kpfTk; kfpo;r;rpahd jpdKk;> Jf;f jpdKk;:

    Kjy; njhopYld; cq;fSf;F gpbj;j njhopy; gw;wp: fpuhkpd; tho;f;ifapy; kwf;f

    Kbahj rk;gtk;:

    ghlk;: fle;j fhyj;Jf;F nry;tjw;fhd tpisahl;L: tha;g;G fpilj;jhy; tho;f;ifapy;

    NjHe;njLf;Fk; rpwe;j fhyKk; mjw;fhd fhuzKk;:

    ghlrhiyf;fhyj;jpy; vjpHfhy ,yl;rpak;:

    jp]hehaf;f Kjpahd;ryhNf m[pj; cghyp [arpq;f

    mg;gh> mz;zd;> ehd;> jk;gp MfpNahH me;j rpW

    1982.04.25 tUkhdj;ijNa ngw;W ehd; tho;f;if elj;jpNdhk;.

    fy;nfhy fdp~;l tpj;jpahyaj;jpy; xU rpy Muk;g fy;tpiaf; fw;Nwd;. juk; re;jHg;gq;fspy; ehq;fs; Ie;J Gyikg;guprpy; guPl;irapy; nrUg;G ,y;yhky; rpj;jp ngw;w gpd;dH gpd;dtiy ghlrhiyf;F nrd;w Njrpa ghlrhiyapy; fy;tp fw;Fk; fhyKk; cz;L. tha;g;G fpilj;jJ. caHjuk; tiu vd;whtJ xU ehs; ehd; me;jg; ghlrhiyapy; fy;tp ehd; ey;y njhopy; fw;Nwd;. ,d;Wk; ehd; Muk;gf; xd;wpd; %yk; vkJ fy;tpia fw;w fy;nfhy fdp~;l FLk;g nghUshjhuj;ij tpj;jpahyj;jpw;Nf mjpf tpUg;gk;. caHj;j KbAnkd;w rpwpa tsq;fs; gw;whf;Fiwahd fdT mf;fhyg;gFjpapy; me;jg; ghlrhiyapy; nkhj;jkhf 80 fhzg;gl;lJld; me;j khztHfs; khj;jpuNk fy;tp xNu ,yf;if fw;wdH. VO MrpupaHfs; miltjw;fhf gbg;gpy; flikahw;wpdhHfs;. vkJ tPl;by; ftdk; nrYj;jpNdd;. ,Ue;J ,uz;L fpNyhkPw;wH J}uj;jpy; ehd; rhjhuz juj;jpy; ghlrhiy mike;jpUe;jJ. ey;y ngWNgw;iw ngw;W ghlrhiyf;F ehq;fs; ele;Nj caHjuj;jpy; ngsjPf gpbj;jik vd;Wk; kwf;f KbahJ.nrd;Nwhk;. me;j tPjpapy; g];fs; tpQ;Qhdj;ij njupT mz;ikf;fhykhf ,e;j tplaq;fs; ,y;iy. J}uj;jpy; ,Ue;J nra;jJ vjpHfhyj;jpy; itj;jpauhf vk;iktpl;L nry;fpd;wjh vd;W 2015 ghlrhiyf;F tUk; MrpupaHfs; tuNtz;Lnkd;gjhFk;. re;Njfpf;Fk; epiyAk; [dtup khjk; 05Mk; jpfjp vdJ ghlrhiyf;F jpUk;Gk; topapy; Njhd;wpAs;sJ. kfd; rNrj; fy;nfd jp]hehaf;f ,wq;fp vq;fSld; xd;whf ele;J ehd; gpwe;j jpdk; tho;f;ifapy; tUthHfs;. khztHfSf;Fk;> Muk;gj;jpy; nrypd;Nfh ,d;Rud;]; xU jlit ehk; kfpo;r;rpahd jpdkhFk;. mt;thNw> MrpupaHfSf;Fk; ,ilapy; epWtdj;jpy; tpw;gid Cf;Ftpg;G jiyikf;fhupahya gzpg;gpd; Ngupy; vdJ md;gpw;Fupa mg;gh 2005Mk; ey;ynjhU el;G fhzg;gl;lJld; mjpfhupahf flikahw;wpNdd;. mJ Etnuypah fpisf;F tprpl; Mz;L nguiy]; Nehapdhy; kfpo;r;rpahd rpW guhaj;ij ehd; 2002-2004 fhyg;gFjpahFk;. vdJ nra;Njhk;. me;j re;jHg;gj;jpy; ghjpf;fg;gl;lik Jf;f jpdkhf ,d;Wk; epidj;Jg; ghHf;fpNwd;. cw;w ez;gdhd khjdtpd; vd;Dld; nrd;w ,Utupd; gzk; fUJfpNwd;.

    rpq;fsk; topfhl;lypd; fPo; fpuhkpd; fsthlg;gl;l nra;jp fhy;ge;J> gy epWtdj;jpy; ,ize;J nfhz;Nld;. fpilf;fg;ngw;wJ. me;j nra;jpia

    tUlq;fshf ghlrhiyapd; fhy;ge;J fpuhkpd; epWtdj;jpy; njhopy; Nfl;l vkJ ez;gHfs; vl;L NgUf;F mzpapy; cg jiytuhf Guptij ghf;fpakhf fUJfpNwd;. Nky; igrpf;fspy; khiy ehd;F caHjuk; nraw;gl;Nld;. 1999Mk; Mz;L ,e;jj; njhopypd; %yk; xUtUf;F kzpastpy; fw;w fhyg;gFjp. me;jf; eilngw;w mfpy ,yq;if ikNyh cjtp nra;fpNwhk; EtnuypahTf;F fhyg;gFjpapy; ehd; fhy;ge;Jg; Nghl;bapy; vkJ vd;w fhuzj;Jf;F tUif je;J tpisahl;Lj;Jiwapy; MHtkhf ghlrhiy ,uz;lhkplj;ijg; ngw;Wf; mg;ghy; kw;nwhU rk;gtk; ,lk;ngw;w fye;J nfhz;Nld;. ,jdhy;> nfhz;lJ. fhuzKk; gFjpapy; Nrhjid fy;tpapy; ftdk; nrYj;JtJ

    ,Uf;fpwJ. mjhtJ> nra;jdH. ,jd;NghJ FiwthfNt ,Ue;jJ. ,jdhy;> vdJ je;ij Njq;fha; fpuhkpd; epWtdk; vk;Kld; fs;tHfs; milahsk; fhzg;gl;L kPz;Lk; fle;j fhyj;Jf;F

    tpw;gidapy; kw;wtHfspd; Jd;gj;jpy; vd;gij gpd;dH mwpe;J mf;fhyj;jpy; nra;ahjtw;iw nra;a gy;NtW rpukq;fSf;F Kfk; gq;nfLg;gJk; Muk;gj;jpy; ,Ue;J nfhz;lJld; kpfTk; Jzpr;rYld; Kaw;rpg;Ngd;.nfhLj;jij ehd; mwpNtd;. mk;kh> vk;kpilNa fhzg;gLfpwJ. vdpDk; me;jf; fs;tHfis Juj;jpg;

    Mf;fk;kQ;Rs n`l;bahuhr;rp

    11Mk; gf;fk;

    flikapy; ftdj;ij nrYj;Jk; NghJ Neuk; nry;tJ njupahJ.

    Foe;ijg; gUtj;jpy;

    Foe;ijg; gUtj;jpy;

    nkn`tunkn`tunkn`tunkn`tunkn`tu

    cq;fSf;F

    cq;fSf;F

    cq;fSf;Fnjupahjnjupahj

    ehd;ehd;ehd;

  • 2015 etk;gH12

    RatpUj;jp (SELF DEVELOPMENT) njhlHghf cyfpd; KjyhtJ E}yhf fUjg;gLtJ nly;fhdhtpd; HOW TO WIN FRIENDS & INFLUENCE PEOPLE vd;w E}yhFk;. ,e;j E}y; 1937Mk; Mz;L ntspaplg;gl;lJld; RkhH 34 nkhopfspy; mr;rplg;gl;Ls;sJ. E}y; ntspaplg;gl;l ehs; Kjy; ,d;W tiu RkhH 78 Mz;Lfs; fope;Js;s NghjpYk; kf;fs; kj;jpapy; ,d;Wk; gpurpj;jpngw;w E}yhf fhzg;gLfpd;wJ. ,e;j E}ypd; gpujpfs; 20>000>000 tiu ntspaplg;gl;Ls;sJld; cyfpd; gy ehLfspYk; tpw;gid nra;ag;gl;Ls;sd. nly;fhdh 1955Mk; Mz;L kuzkhdhH. mtupdhy; gilf;fg;gl;l ,e;j E}y; kf;fspd; cs;sq;fis ntw;wp nfhz;lJld; vt;tpjk; kf;fs; Rakhf tpUj;jpailtJ vd;gJ njhlHghf kpfTk; Mf;fg;g+Htkhd gy tplaq;fs; ,e;jg; Gj;jfj;jpy; cs;slf;fg;gl;Ls;sd.

    ept;NahHf; efUf;F 1931 Nk khjk; 7Mk; ,Ue;J ,wq;fp ntspNa jpfjp tpNrl jpdkhFk;. rkhjhdj;Jf;F te;jhd;. ,uj;jk; gbe;J ngaHNghd ,e;efUf;F J\;gpuNahfq;fs; kuzkile;j epiyapy; fPNo gytw;wpy; kuz jz;lid epiwNtw;w nghyp]hiu Nehf;fp Jg;ghf;fp gpuNahfk;

    ,Uf;Fk; xU rpy tpehbfspd; NghJ nra;jhd;. nghyp]hH tPl;bd; cs;Ns

    mt;thW $wpapUf;fyhk; vd;W fUjyhk;. GFe;J nkrpd;fd; %ykhf mtid Nehf;fp

    vdpDk; FNuhyp mq;F njuptpj;jjhtJ Jg;ghf;fp gpuNahfk; nra;jdH. ePq;fs; fdtpy; $l Nfl;bUf;fkhl;BHfs;. nfhs;isf;fhuDf;Fk; nghyp]hUf;Fk; ehd; nfhs;isf;fhudhf khwpajd; %yk; ,ilapy; RkhH xd;wiu kzpj;jpahyk; ehd; vd;idNa mopj;Jf; nfhz;Ls;Nsd;. tiu ,lk;ngw;w ,e;jg; Nghuhl;lj;ij vd;gjhf $wpdhd;. ,e;j rk;gtj;jpd; %yk; ept;NahHf; efuj;jpd; ehyh ghfq;fspYk; ehk; fw;Wf; nfhz;l ghlk; vd;d? FNuhyp cs;s gy;yhapuf;fzf;fhd kf;fs; ghHj;Jf; jhd; nra;j midj;ijAk; Vw;Wf; nfhz;bUe;jdH.nfhz;lhd;. mtd; Fw;wthsp my;y vd;W ,Wjpapy; YLfd; FNuhypl; trkhf khl;bf; xUNghJk; $wtpy;iy. jhd; Fw;wkw;wtH nfhz;lhd;. ept;NahHf; efu tuyhw;wpy; vd;W kuzj;jWthapy; $l kpfTk; nfhba nfhs;isf;fhuid ifJ njuptpf;ftpy;iy. ,jd; %yk; gpiofs; nra;Js;sjhf Fw;wthspf; $z;by; Vw;gLtij tho;f;ifapy; ve;j re;jHg;gj;jpy; FNuhypl;il ept;NahHf; efu nghyp]; Vw;Wf; nfhs;s Ntz;Lk;. mjidtpl;L ehk; MizahsH mwpKfg;gLj;jpdhH. vdpDk; gpio nra;atpy;iy vd;gjhf FNuhy; jd;id mt;thW mwpKfk; Kuz;Lgpbf;ff; $lhJ.nra;atpy;iy. jkJ tPl;Lf;F nghyp]hH

    njhlr;rpahf Jg;ghf;fpg; gpuNahfk; nra;J nfhz;bUe;j NghJ jhk; ehl;fhypapy; ,JTk; mnkupf;fhtpy; tho;e;j kw;WnkhU mkHe;J nfhz;L Nkirapy; itj;J Fw;wthsp njhlHghd fijahFk;. fbjnkhd;iw vOjpf; nfhz;bUe;jjhf vy;nfNghd; . . . rpf;fhf;Nfh efupy; tho;e;j njuptpj;jhd;. nghyp]hupd; Jg;ghf;fp mnkupf;f tuyhw;wpy; kpfTk; nfhba gpuNahfj;jhy; tyJ ifapy; Fz;Lgl;L “kf;fspy; nfhbatd;” vd;w gl;lj;ijg; ,uj;jk; Xbf;nfhz;bUe;jJ. ngw;Wf; nfhz;l eguhFk;. gpugy Fw;wr; “,e;jf; fbjj;jpidg; ghHj;J ahUk; mwpe;J nray;fSld; njhlHGila FOtpd; nfhs;s KbAk;” jiytuhd mtd; rpf;fhf;Nfh efupy;

    ,lk;ngw;w Jg;ghf;fpr; #l;by; gypahdhd;.FNuhyp jkJ fbjj;jpy; ,t;tpjk; njuptpj;jpUe;jhd;. vdJ Nfhb Mj;khTf;F “kf;fs; vd;Wk; re;Njhrkhf ,Uf;f cs;Ns mjpfstpy; kdKile;j cs;sNk Ntz;Lnkd vz;zpaNj vdJ tho;ehspy; fhzg;gLfpwJ. mjw;F gy fhuzq;fs; rpwe;j fhykhFk;. mtHfs; kfpo;r;rpahf cs;sd. vdpDk; ,e;j cisr;ry; xU ,Ug;gjw;F cjtp nra;a nra;a Ntz;Lk;. NghJk; ahiuAk; vJTk; nra;ahJ. ,e;j ,jw;fhfNt ehd; Fw;whthspahNdd;. ehd; rk;gtj;Jf;F rw;W Kd;dH FNuhyp nghyp]hUf;F Ntz;lg;gl;ltdhNdd;. mnkupf;fhtpd; Nyhd;f; ma;fz;l; mnkupf;fhtpd; kpfTk; nfhba kdpjd; vd;w gpuNjrj;jpy; ,Ue;jhd;. jdJ md;Gf; fhjyp gl;lg;ngaiu nfhz;l vy;nfNghd; rNkhfpAld; xd;whf ,Uf;f ve;jnthU re;jHg;gj;jpYk; jd;id Ntz;Lnkd;gjw;fhf me;jg; gpuNjrj;jpd; nfl;ltd; vd;W epidf;ftpy;iy. jhd; FWf;F tPjpapy; gazpj;Jf; nfhz;bUe;j ve;jnthU re;jHg;gj;jpYk; r%fj;Jf;F NghJ ,ileLtpy; nghyp]hH mtDila ed;ik my;yJ Nritnahd;iw ngw;Wf; thfdj;ij epWj;JkhW irif nra;jdH. nfhLj;J kf;fSf;F eyd;Gup Nritfs; “cd;Dila iyrid fhl;L” vd;W nra;a Ntz;Lnkd;Nw fUjpdhd;. vdpDk; nghyp]; cj;jpNahfj;jH fhupy; ,Ue;j vy;nfNghd; rpe;jpj;j fUj;Jf;fis Fnuhypaplk; Nfl;lhH. vJTk; Ngrhj mnkupf;f kf;fs; Vd; Vw;Wf; FNuhyp jdJ igapy; ,Ue;;j Jg;ghf;fpia nfhs;stpy;iy vd;gJ ,d;Wk; Gjpuhf vLj;J nghyp]hiu Nehf;fp Rl;lhd;. fhzg;gLfpwJ.nghyp]hH me;j ,lj;jpNyNa capiu tpl;lhh;. mjd; gpd;dH FNuhyp fhupy;

    ehk;ehk;fhz;gJ'''''@fhz;gJ'''''@

    vk;ik vt;tpjk; milahsk;vk;ik vt;tpjk; milahsk;

    gFjp 1

    thrdh ypadhuhr;rp

    ve;jnthU khw;wj;Jf;Fk; ePq;fs; jahuhf Ntz;Lk;.

    nly;fhd

    htpd;

    HO

    W TO

    WIN

    FRIEND

    S &

    INFLU

    ENCE PEO

    PLE

    vd;w E

    }ypd; jkpo

    hf;fk;nkn`tunkn`tunkn`tunkn`tunkn`tu

  • 2015 etk;gH13“ehd; vjpHghHj;jij tpl FWfpa fhyj;jpy;

    flidg; ngw;Wf; nfhs;svdf;F Kbe;jJ ...”

    flidg; ngw;Wf; nfhs;svdf;F Kbe;jJ ...”

    l; cw;gj;jpapy; ey;y epiyikf;F mjpfsthdHfs; nfhz;L ghupa msT Kaw;rpia mt;thNw iftpl;Nlhk;. ,e;j tpahghuj;jpYk; nropg;gpid Vw;gLj;jpdhy; tho;f;if re;jHg;gj;jpNyNa vkf;F fpuhkpd; epWtdk; njhlHgpy; re;Njh\khf miktJld; gzk; rk;ghjpg;gJk; mwpa Kbe;jJ. gpizahsHfs; ,d;wp ,yFthf ,yFthd tplakhf khwptpLk;. mt;thNw jhk; flid fpuhkpd; epWtdj;jpy; ngw;Wf; nfhs;s thOk; gpuNjrj;jpd; fhyepiyia jkf;F rhjfkhf KbAnkd;gjhy; ehk; flidg; ngw;Nwhk;. g+ gad;gLj;jp g+ tsHg;gpd; Clhf tho;f;ifapy; ntw;wp tsHg;gpid tpUj;jp nra;tjw;F jw;NghJ ,Uf;Fk;

    ngw;w ngz;zhf kQ;Rsh jpy;Uf;\pia ehk; ,lj;ijtpl vz;gJ NgHr;r]; fhzpiag; Gjpjhf milahsg;gLj;j KbAk;. jdJ fztUld; ngw;W me;j ,lj;jpy; g+ tsHg;gpy;

  • fk;kL Xtpak;v];.vk;.y`pU epHkhy;

    juk; 8(v];.vk;.kNf\; cjamk;gyhq;nfhil)

    fk;kL Xtpak;v];.vk;.y`pU epHkhy;

    juk; 8(v];.vk;.kNf\; cjamk;gyhq;nfhil)

    2015 etk;gH

    14

    2015Mk; Mz;L eilngw;w Gyikg;guprpy; guPl;irapy; ntl;Lg; Gs;spiag; ngw;W rpj;jpngw;w khzt> khztHfspd; ngw;NwhH vkJ fhupahyaq;fspy; njhopy; Gupfpd;wdH. mtHfspd; gps;isfspy; rpj;jpngw;w khztHfs; njhlHghd jfty;fNs ,q;F Fwpg;gplg;gl;Ls;sd.khzt... khztpfNs... ePq;fs; midtUk; cq;fspd; fy;tpr; nraw;ghLfspy; njhlHe;Jk; mjpf ftdk; nrYj;jp rpwe;j ngWNgw;iw ngWtjw;F vr;.vd;.gp. fpuhkpd; cq;fis tho;j;JfpwJ.

    Gyikg;guprpy; guPl;irapy; rpj;jp ngw;w rpWtHfs;Gyikg;guprpy; guPl;irapy; rpj;jp ngw;w rpWtHfs;

    gP.vd;. rjP]f epk;\hd; ngHzhe;JRl;nlz; : 2919176

    ngw;w Gs;spfs; : 160ngw;NwhH :

    gP. rk;gj; ngHzhe;JGj;jsk; fpis

    v];. rpJk; Mnyhf ngHzhe;JRl;nlz; : 1526928

    ngw;w Gs;spfs; : 165ngw;NwhH :

    v];.V. Utd; ngHzhe;Jjiyikf;fhupahyak;

    V. nuhf;\pfhRl;nlz; : 4144465

    ngw;w Gs;spfs; : 155ngw;NwhH :

    Nf. md;ldp [auh[;jiyikf;fhupahyak;

    rpj;jpuf; fiy ez;gHfs;rpWtHfspd; iftz;z gFjprpWtHfspd; iftz;z gFjp

    “rpj;jpu fiy ez;gHfs;” tiujy; gFjp vr;.vd;.gp. fpuhkpd; cj;jpNahfj;jHfSf;fhdJ vd;gJld; cq;fs; gps;isfspd; gilg;Gfs;> Mf;fq;fis gpuRupf ;Fk; Nehf;fpy; Muk;gpf;fg;gl;Ls;sJ. “rpj;jpu fiy ez;gHfs;” gFjpapy; gpuRupf;fg;gLk; rpwe;j %d;W gilg;GfSf;f guprpy;fs; toq;Ftjw;F jPHkhdpj;Js;sJld; cq;fs; gps;isfspd; Mf;fq;fis> gilg;Gfis gpuRupj;J ,jd; mD$yq;fis ngw;Wf; nfhs;Sq;fs;. cq;fs; gps;isfspd; gilg;Gfis gjpg;ghrpupaH> iftz;zg;gFjp> vr;.vd;.gp.fpuhkpd; fl;blk;> ,y. 168> ehty tPjp> Enfnfhil vd;w Kftupf;F mDg;gp itf;fTk;.

    vdJ Njhl;lk;v];.vk;. epjpdp jpNdj;kh

    juk; 04(v];.vk;.kNf]; cjamk;gyhq;nfhil)

    vdJ Njhl;lk;v];.vk;. epjpdp jpNdj;kh

    juk; 04(v];.vk;.kNf]; cjamk;gyhq;nfhil)

    vdJ tPl;Lj;Njhl;lk;vk;.up. cJy; Gj;kpd je;jpupNfkhkpNg fdp\;l tpj;jpahyak;

    juk; 1(Gj;jpf je;jpupNf> jiyikafk;)

    vdJ tPl;Lj;Njhl;lk;vk;.up. cJy; Gj;kpd je;jpupNfkhkpNg fdp\;l tpj;jpahyak;

    juk; 1(Gj;jpf je;jpupNf> jiyikafk;)

    vdJ FLk;gk;kpDjp ke;Jyp vjpuprpq;f

    jHkNrhf kfh tpj;jpahyak;juk; 01

    (vk;.gP. vjpuprpq;f> mk;gyhq;nfhil)

    vdJ FLk;gk;kpDjp ke;Jyp vjpuprpq;f

    jHkNrhf kfh tpj;jpahyak;juk; 01

    (vk;.gP. vjpuprpq;f> mk;gyhq;nfhil)

    fpuhkj;jpd; Njhw;wk;rpJk; Mnyhf ngHzhe;J

    juk; 5(Utd; ngHzhe;Jjiyikafk;)

    fpuhkj;jpd; Njhw;wk;rpJk; Mnyhf ngHzhe;J

    juk; 5(Utd; ngHzhe;Jjiyikafk;)

    ePq;fs; Fw;wthspapy;iynadpy; kw;wtHfs; $Wtij nghUl;gLj;j Njitapy;iy.

    gl;lk; tpLk; rpWtHfs;nkjhah `pke;jp ngNuuh

    tpy;];ld; rHtNjr ghlrhiyjuk; 1

    (RNj\; ngNuuh jiyikafk;)

    gl;lk; tpLk; rpWtHfs;nkjhah `pke;jp ngNuuh

    tpy;];ld; rHtNjr ghlrhiyjuk; 1

    (RNj\; ngNuuh jiyikafk;)

    nkn`tunkn`tunkn`tunkn`tunkn`tu rpj;jpuf; fiy ez;gHfs;

  • nkn`tunkn`tunkn`tunkn`tunkn`tu2015 etk;gH

    15

    re;jnfYk; [aJq;f>fzf;fhsH>vr;.vd;.gp. fpuhkpd;igdhd;]; ypkpl;nll;.

    hshe;j tpahghu mYty;fspd; NghJ fhNrhiyfisg; gad;gLj;jp eilKiwf; fzf;fpd; Clhf

    nfhLf;fy; thq;fy;fis nra;tJ vkJ epWtdj;jpd; gpujhd nraw;ghlhFk;. mt;thNw ,q;F ntspg;gilj; jd;ikiag; Ngzp rupahfTk; ftdkhfTk; ifahs;tJ caH Kfhikj;Jtk; Kjy; rfy KfhikahsHfSf;Fk; gpujhd xd;whf fhzg;gLtJld; jPHkhdk; vLg;gJk; epjp ifahs;if nra;tjw;Fk; ,e;j nraw;ghLfs; ghupa cjtp Gupfpd;wd. mt;thNw vkJ epWtdj;jpdhy; fzf;fha;T nra;Ak; ntspaf kw;Wk; cs;sf fzf;fhsHfSf;Fk; epWtdj;jpd; Gydha;T gpuptpdUf;Fk; (Investigation Department) Fwpj;j fpis fzf;fpd; ntspg;gilj; jd;ik kw;Wk; Kiwfs; njhlHgpy; jPHkhdk; vLg;gjw;F ,e;j tq;fp fzf;fpzf;ff; $w;W (Bank Reconciliation Report) ghupa cjtpahf ,Uf;Fk;.

    tq;fp fzf;fpzf;ff; $w;Wtq;fp fzf;fpzf;ff; $w;W vd;gJtpahghu nraw;ghLfspy; tq;fpf; fzf;fpd;

    Muha;e;J mjid rupnra;AkhW egHfspdhy; eilKiwf; fzf;fpy; kPsha;T kpFjp mwpf;ifAk;> tq;fpf; $w;W mwptpj;jy; itg;gpypl;;l gzk;.mwpf;ifAk; ,zf;fk; Vw;glhj NghJ

    03. fzf;fha;T nraw;ghLfSf;fhf eilKiwf; fzf;fpy; itg;gpyplg;gl;l mjw;fhd fhuzj;ij tpsf;Fk; mwpf;ifNa gad;gLj;jy; fhNrhiyfs;. (Cheque Deposits)tq;fp fzf;fpzf;ff; $w;W vdg;gLk;.

    eilKiwf; fzf;fpd; Clhf tq;fpf; $w;W nrYj;jg;gl;l kw;Wk; toq;fg;gl;l tq;fp fzf;fpzf;ff; $w;W jahupf;fg;gl

    fhNrhiyfs;.Ntz;bajw;fhd fhuzk;tq;fpahdJ jdJ eilKiwf; epWj;jp itj;jYf;fhf tq;fpapdhy;

    tq;fpf; fzf;fpd; kpFjpia rupghHj;j gpd;dH fzf;fhsHfSf;F tq;fpapd; Clhf thbf;ifahsuplk; ,Ue;J mwtplg;gl;l

    tq;fpf; fzf;fpd; kpFjp kw;Wk; tq;fp ,lk;ngw;w nfhLf;fy; thq;fy; gw;wpa njhif. (Standing Order)

    $w;wpd; kpFjpAk; (Bank statement) ,zf;fk; eilKiwf; fzf;F tpguq;fis njhFj;J tq;fpapdhy; mwtplg;gl;l gzk;> tq;fp

    Vw;glhj re;jHg;gj;jpy; mjid kPsha;T khjhe;jk; mDg;Gk; mwpf;ifapidNa tl;b> fhNrhiy Gj;jf gzk;> fopT

    nra;tjw;fhf tq;fp fzf;fpzf;ff; $w;W tq;fpf; $w;W vd;W mwpKfk; nra;a kw;Wk; eilKiwf; fzf;F tq;fpf;

    jahupf;fg;gl Ntz;Lk;. ,jw;F Nkyjpfkhf KbAk;. fl;lzq;fs; (Bank Charges)

    tq;fp fzf;fpzf;f mwpf;ifapy; kPsha;T nra;a Ntz;ba tplaq;fs; fPNo

    tq;fpf; $w;wpy; gpd;tUk; tplaq;fs; jug;gl;Ls;sJ.

    Fwpg;gplg;gl;bUf;Fk;

    01. fhNrhiyfs; %yk; eilngw;w Nkhrb eilKiwf; fzf;fpd; Muk;g kPjpAk;>

    kw;Wk; KiwNfLfs; Mfpatw;iw ,f;fhyg;gFjpf;fhd ,Wjp kpFjp.

    Muha;e;J ghHj;jy;(Opening & Closing Balance)

    02. tq;fpapdhy; ,lk;ngw;w gpiofis thbf;ifahsH my;yJ NtW

    Ø

    «

    «Ø ^Bank statement&Ø

    «

    «

    Ø

    «

    «

    ^Bank Reconciliation Report&^Bank Reconciliation Report&

    e

    tho;f;ifapy; ,oe;j ngWkjp kpf;f egH my;yJ re;jHg;gk;:

    cq;fs; tho;f;ifapy; ,lk;ngw;w jpUg;G Kid (Turning point) :

    cq;fs; tho;f;ifapy; re;jpj;j ngWkjpf;f egH> mtuplk; fhzg;gLk; mofpa ew;Fzq;fs;: mtuplk; ePq;fs; fhZk; tpNrl rup nra;a Ntz;Lnkd

    mk;rq;fs;:epidf;Fk; VNjDk; tplaq;fs; ,Ug;gpd;:

    cq;fSf;F gpbj;j ghlfH:

    gpbj;j ghly; :ePq;fs; vjpHghHg;gJ Nghd;W cq;fs; jpwikfis KOikahf

    jpiug;glk; :njhopypy; gad;gLj;JfpwPHfsh?cq;fspd; Kjy; fhjy; tho;f;ifapy; Vw;gLj;jpa khw;wk;:

    ehty;:

    vdJ Kjy; gps;is fUtiuapy; ,Uf;Fk; NghNj ,we;J tpl;lJ. me;j re;jHg;gk; vdJ kidtpapd; tho;f;ifiaNa Nfs;tpf;Fupahf;fptpLk; vd;W fUjpNdd;. me;jg; gps;isapd; ,og;G ,d;Wk; vdJ kdjpy; ,Uf;fpwJ.

    filf;F Njitahd Njq;fha;> me;j ,uz;L fhjYk; xU G+Hj;jpaile;Js;sJ. ,it njk;gpyp Nghd;wtw;iw jiyf; fhjyhf ,Ue;jJ. mjd; midj;Jk; ,e;jj; njhopypd; fpuhkq;fspy; ,Ue;J thq;fp gpd;dNu vdJ kidtp vdf;F %yNk fpilf;fg; ngw;wJ. te;J tpw;gid nra;Js;Nsd;. fpilj;jhH. ehk; ,UtUk; ,jdhy;> ehd; KOikahf rupahf fzf;Ffs; njupahj caHju tFg;GfSf;F xd;whf jpUg;jpailfpNwd;.me;jf; fhyg;gFjpapYk; fzf;Fg; nrd;Nwhk;. mg;NghJ vk;kpilNa Gj;jfq;fspy; vOjpf; nfhz;L el;G khj;jpuNk ,Ue;jJ. mtH filia Kd;Ndw;Wtjw;F jhjpaH fy;Y}upapy; fy;tpf; 2004Mk; Mz;L ehd; fpuhkpd; vd;dhy; gq;fspg;Gr; nra;a fw;Wf; nfhz;bUe;j NghJ epWtdj;jpy; ,ize;J Kbe;jJ. vk;kpilNa fhjy; kyHe;jJ. nfhz;lik. mg;NghJ nrypq;Nfh

    vl;L tUlkhf fhjypj;J ehk; fhg;GWjp epWtdj;jpy; khjj;jpd; jpUkzk; Kbj;Jf; nfhz;Nlhk;. rpwe;j gpujpepjpahf %d;W

    khjq;fs; njhlHe;J njupT vdJ mk;kh. ehk; ghupa mts; ROJ nra;ag;gl;bUe;j nghUshjhu f~;lq;fSf;F Kfk; fhQ;rdh. md;ghd kidtp. fhyg;gFjpahFk;. vdpDk; nfhLj;j re;jHg;gj;jpy; vdJ fpuhkpd; epWtdj;jpy; ePq;fs; tho;f;ifapy; ehd; kw;wtHfis mjpfkhf jhahH filfspYk;> tPLfspYk; tha;g;nghd;W fpilj;j NghJ jpUg;jpailfpwPHfsh? epr;rakhf. ek;GfpNwd;. ,jdhy; gy rikj;jJ khj;jpukpd;wp rpy ,uz;L jlit rpe;jpf;fhky; ehd; vkf;nfd;W ey;ynjhU jlitfs; Vkhw;wkile;Js;Nsd;. fhyq;fshf fy; cilf;Fk; fpuhkpd; epWtdj;ij njupT tPby;yhky; eh; ,Ue;Njhk;. kw;wJ vdf;F Kd;Nfhgk; njhopiyAk; nra;J vq;fis nra;jikahFk;.,uz;L miwfs; khj;jpuk; ,Uf;fpwJ. ,jid guhkupj;J te;jhH. mk;khtpd; ,Ue;;j me;j tPl;by; vk; ItUk; fRd; fl;Lg;gLj;Jtjw;F gy;NtW mauhj ciog;Gk;> tho;f;ifia epyj;jpNyNa cwq;fpNdhk;. fy;`huKaw;rpfis nra;J tUfpNwd;.ijupakhf Kfk; nfhLj;jNj 2006Mk; Mz;L ehd; fRd;Nf ky; ,d;W ehk; ,e;j ,lj;jpy; fhzpnahd;iw thq;fp 2008Mk; kplf; jpad; xg mNj . .,Ug;gjw;F fhuzkhFk;. Mz;L tPl;il epHkhzpf;f Mq;fpy vf;]d;

    Muk;gpj;Njd;. 2012Mk; Mz;L jpiug;glq;fis tpUk;gp njhopy; Kaw;rpfis me;j tPL Kw;whf ghHg;Ngd; ntw;wpfukhf Kd;ndLf;Fk;

    ehd; 10Mk; Mz;Lk; 12Mk; epHkhzpf;fg;gl;lJ. 2013Mk; rpe;jh yf;~;kp jpwik vd;dplk; fhzg;gLfpwJ. Mz;Lk; fy;tp fw;Wf; Mz;L thfdnkhd;iw mtHfspdhy; rpq;fsj;Jf;F vdJ je;ij Neha;f;F nfhz;bUe;j NghJ fhjy; thq;fpNdd;. ,f;fhyg;gFjpapy; nkhopngaHj;j “muzfl cs;shfpa gpd;dH ehd; juk; vl;L gbf;Fk; NghNj vkJ

    7Mk; gf;fj; njhlHr;rp

    - gFjp 01 -- gFjp 01 -

    tq;fp fzf;fpzf;ff; $w;Wtq;fp fzf;fpzf;ff; $w;W

    mYtyfj;jpy; fzf;fPLmYtyfj;jpy; fzf;fPL

    mr;rk;> re;Njf czHT Mfpad ek;gpf;ifapd;ikf;fhd fhuzq;fshFk;.

  • cq;fs; thfdk; VNjDk;

    mdHj;jq;fSf;F Kfk; nfhLf;Fk; NghJ

    cq;fs; thfdk; VNjDk;

    mdHj;jq;fSf;F Kfk; nfhLf;Fk; NghJ

    ehshe;jk; thfdq;fspy; njhopYf;F nry;Yk; cq;fSf;F

    tPjp tpgj;JfSf;F Kfk; nfhLf;f Ntz;ba re;jHg;gq;fs;

    cUthfyhk;. ,ileLtpy; ,t;thwhd mdHj;jq;fs;

    Vw;gl;lhy; ePq;fs; filgpbf;f Ntz;ba Kiwfs;

    njhlHgpy; Nghjpa msT mwpT fhzg;gl;lhy;

    ePjpj;Jiwapy; ,lk;ngwf;$ba mehtrpa jiyaPLfis

    XusthtJ fl;Lg;gLj;jpf; nfhs;s cq;fSf;F KbAk;.

    tho;f;iff;F rl;lk; njhlHgpy; ,q;F ehk;

    fye;Jiuahl cs;Nshk;.

    ,q;F jhf;fk; nrYj;JtJ 1948Mz;bd;

    40Mk; ,yf;f Nkhl;lhH thfd rl;lj;jpd;

    161MtJ gpukhzj;jpy; vjpHghuhj rk;gtq;fs;

    eilngw;why; filg;gpbf;f Ntz;ba Kiwfs;

    njhlHgpy; Fwpg;gplg;gl;Ls;sJ.

    Ÿ thfdj;jpd; rhujp cldbahf thfdj;ij

    epWj;j Ntz;Lk;.

    Ÿ ahNuDk; egUf;F fLikahd fhaq;fs;

    Vw;gl;lhy; cldbahf itj;jparhiyf;F

    nfhz;L nry;y Ntz;Lk;.

    Ÿ gpd;dH nghyp]; epiyaj;jpy; Kiwg;ghL

    nra;a Ntz;Lk;.

    Ÿ me;j re;jHg;gj;jpy; Nghf;Ftuj;J

    nghyp]hUf;F mwptpf;f Kbahtpl;lhy; 24

    kzp Neuj;jpw;Fs; rk;gtk; njhlHgpy; mwptpf;f

    Ntz;Lk;.

    Ÿ thfdj;jpd; cupikahsH njhlHgpy; nghyp]hH

    Nfl;Fk; jfty;fis fl;lhakhf toq;f Ntz;Lk;. me;j

    re;jHg;gj;jpy; fhg;GWjp rhd;wpjo;> thfd tUkhd cj;juTg;g

    j;jpuk;

    Mfpatw;iw toq;f KbahJ Nghdhy; 24 kzp Neuj;jpDs;

    mUfpYs;s nghyp];

    epiyaj;jpy; fl;lhakf xg;gilf;f Ntz;Lk;.

    Ÿ vt;thwhapDk; tpgj;jpdhy; Vw;gl;l e\;lq;fis ,uz;L NfhLfs; fhzg;gLk; tPjpapy

    ; thfdk;

    nrYj;jg;gl;lhy; ePjpkd;wj;jpd; ClhfNt jz;lid toq;fg;gL

    k;. thfd tUkhd

    cj;juTg;gj;jpuk; ,d;wp thfdj;ij nrYj;jpdhy; jz;lg;gj;jpu

    k; toq;f KbAk;.

    vdpDk; ePjpkd;wj;jpdhy; Fiwe;jgl;r jz;lidahf 3>000&gh

    tpjpf;f KbAk;.

    fhg;GWjp gj;jpuk; ,y;iynad;why; ePjpkd;wj;jpd; Kd; epWj;jg

    ;gl;L Fiwe;jgl;r

    jz;lg;gzkhf 5>000&gh nrYj;j Ntz;bNaw;gLk;. mt;thNw

    > kJ mUe;jpa

    epiyapy; thfdj;ij nrYj;JtJ fz;lwpag;gl;lhy; Fiwe;j

    gl;r jz;lidahf

    3>500&gh tpjpf;fg;gLtJld; ePjpkd;wj;jpdhy; rpy fhyq;fSf;F

    rhujp

    mDkjpg;gj;jpuk; ,uj;J nra;ag;glyhk;. vt;thwhapDk; ahNuD

    k; xU egH jdJ

    Fw;wj;ij Vw;Wf; nfhz;lhy; ePjpkd;wj;jpdhy; Fiwe;jgl;r jz

    ;lid /

    jz;lg;gzj;ij tpjpf;f KbAkhf ,Ue;jhYk; me;je;j ePjpkd

    ;wq;fspdhy;

    filg;gpbf;Fk; KiwfSf;F Vw;g jz;lg;gzk; / jz;lidfs; k

    hw;wk; ngwyhk;.

    rl;lj;juzp jpNd\; uj;dNrfu

    2015 etk;gH16

    Ntj(i)dk;Ntj(i)dk;iff;F fpi

    lf;Fnkd;w mth

    kdjpy; nghq;fpnao

    Mde;jj;Jld; ifePl;l

    Kd;...

    gq;Ffshf juk;gpupj;J

    gyUf;Fk; gfpHe;jspf;Fk

    ;

    Ntjdk;...

    ehty tPjp> ENfnfhil

    nlyp ( 0112176262 ngf;]; # 0112825843