ANALISIS STRATEGI PROMOSI KARTU KREDIT BANK RAKYAT INDONESIA

7/31/2019 ANALISIS STRATEGI PROMOSI KARTU KREDIT BANK RAKYAT INDONESIA

1/134

ELE@KWKW WYQEYMFK QOHOWK

JEQY] JQMIKY AELJ QEJ[EY KLIOLMWKE

O`mc

KHEL ELCEQIK

C195>7>;3


2/134

EAWYQEJ

Khel Elceqik, C195>7>;3, Ele`kwkw Wyqeymfk ^qohowk Jeqy} Jqmiky Aelj

Qej{ey Kliolmwke, Ik aevec akhaklfel Eai}` Aewkyc iel Beqkie Qeyle Imvk,

Imvewe klk hew{eqejey Kliolmwke hmhk`kjk hkley {elf amweq ymqceie~

jmamqeieel jeqy} jqmiky Yqmli ~mlff}leel jeqy} jqmiky ikymlfec hew{eqejey

Kliolmwke ymq}w hmlfeèhk ~mlklfjeyel {elf g}j}~ wkflkbkjel ieqk yec}l jm

yec}l Ymqgeyey ceh~kq wm`}q}c aelj wjeè amweq ik yelec ekq ymèc ymqd}l ieèh

akwlkw jeqy} jqmiky iel weèc wey}l{e {eky} Aelj AQK Hmlfklfey w}iec ael{ejaelj {elf ymèc hmlfm`}eqjel ~qoi}j wmq}~e hmlfceie~jel Aelj AQK ~eie

kj`kh akwlkw imlfel yklfjey ~mqweklfel {elf yklffk ]ly}j hml{kje~k yelyelfel

ymqwma}y Aelj AQK ~mq`} hml{ke~jel wyqeymfk ~qohowk {elf ym~ey f}le

hmh~mqjmle`jel iel hmhaelf}l eveqmlmww ~eqe leweaec wmqye hew{eqejey ejel

eiel{e ~qoi}j Aelj AQK {elf aeq} {eky} Jeqy} Jqmiky AQK wmcklffe ie~ey

hmhelye~jel ~owkwkl{e ieèh ~mqweklfel

^mlm`kykel klk amqy}d}el }ly}j 5+ Hmlfjedk eye} hmlfmyec}k jmfkeyel

~qohowk {elf ikèj}jel o`mc Aelj AQK }ly}j ~qoi}j Jeqy} Jqmiky AQK, 1+hmlfkimlykbkjewk bejyoqbejyoq {elf hmh~mlfeq}ck jm~}y}wel ~ml{}w}lel

wyqeymfk ~qohowk Jeqy} Jqmiky AQK iel 7+ Hmlgeqk e`ymqleykb wyqeymfk ~qohowk {elf

ym~ey }ly}j Jeqy} Jqmiky AQK ^mlm`kykel klk ikèjwelejel ~eie ^Y Aelj Qej{ey

Kliolmwke #^mqwmqo+ Yaj, jelyoq ~}wey, {elf amqòjewk ik D`l Dmliqe` W}ikqhel

Jer`klf 99(92, Dejeqye Ieye {elf ikf}lejel }ly}j ~mlm`kykel klk amq}~e ieye

~qkhmq iel ieye wmj}limq D}hèc qmw~oliml ymqikqk ieqk 9 oqelf ~ejeq {eky} {eky}

Cmei ob Gqmiky Geqi A}wklmww Imrmò~hmly Im~y,Cmei ob Gqmiky Geqi We`mw "

Fmlmqe` Ebbekqw Im~y, iel i}e oqelf Wyebb Jeqy} Jqmiky AQK ^mlfoècel ieyeikèj}jel imlfel hmlff}lejel hmyoim EC^, imlfel aely}elMs~mqy Gcokgm iel

Hkgqowoby Msgm`

Ejykrkyew ~qohowk ymq~ei} Jeqy} Jqmiky AQK {elf wmde}c klk ymèc

ikèjwelejel o`mc Aelj AQK ymqjmòh~ojel jm ieèh `khe ae}qel ~qohowk, {eky}

~mqkjèlel, ~mqwole` wm``klf, ~qohowk ~mld}eèl, ~}a`kwkyew iel c}a}lfel

hew{qejey iel ~mheweqel èlfw}lf Bejyoq(bejyoq {elf ymqkimlykbkjewk wmaefek

bejyoq ~ml{}w}l wyqeymfk ~qohowk Jeqy} Jqmiky AQK ymqikqk ieqk mleh bejyoq

Eie~}l jmmleh bejyoq {elf ikhejw}i {eky} elffeqel ~qohowk, w}hamq ie{e

hel}wke, jeqejymqkwykj ~qoi}j, jeqejymqkwykj ~eweq, WY^ iel ~mqweklfel Ieqk

~mlfoècel EC^ ikie~eyjel aecve WY^ hmq}~ejel bejyoq ~qkoqkyew }yehe {elf

hmh~mlfeq}ck ~ml{}w}lel wyqeymfk ~qohowk Jeqy} Jqmiky AQK #>,1=2+

E`ymqleykb wyqeymfk ~qohowk aefk Jeqy} Jqmiky AQK {eky} #E+ hmlklfjeyjel

bqmj}mlwk/klymlwkyew ~qohowk eaorm ycm `klm, jc}w}wl{e kjèl ~eie hmike

m`mjyqolkj he}~}l hmike gmyej: #A+ @makc ~qoejykb ieèh hmèj}jel ~mqwole`


3/134



WJQK^WK

Wmaefek we`ec wey} w{eqey }ly}j hmh~mqo`mc fm`eq

WEQDELE MJOLOHK

~eie Im~eqymhml Heledmhml

Bej}`yew Mjolohk iel Heledmhml

Klwyky}y ^mqyelkel Aofoq

O`mc

KHEL ELCEQIK

C195>7>;3


4/134

KLWYKY]Y ^MQYELKEL AOFOQ

BEJ]@YEW MJOLOHK IEL HELEDMHML

IMÊQYMHML HELEDMHML



WJQK^WK

Wmaefek weèc wey} w{eqey }ly}j hmh~mqo`mc fmèq

WEQDELE MJOLOHK

~eie Im~eqymhml Heledmhml

Bej}`yew Mjolohk iel Heledmhml

Klwyky}y ^mqyelkel Aofoq

O`mc

KHEL ELCEQIK

C195>7>;3

Hml{my}d}k, D}`k 1>>6

Kq Eai}` Aewkyc, HWg Beqkie Qeyle Imvk, WM, HH

Iowml ^mhakhaklf 5 Iowml ^mhakhaklf 1

Hmlfmyec}k,


5/134

QKVE[EY CKI]^

^ml}`kw amqlehe Khel Elceqik, ikèckqjel ik Amjewk ~eie yelffe` 59 Hmk

5;3= ieqk ~ewelfel Jmhel Qew{ki iel Beqik`è ^ml}`kw hmq}~ejel elej jmi}e

ieqk mh~ey amqwe}ieqe

^ml}`kw hml{m`mwekjel ~mlikikjel ik Wmjoèc Ieweq Lmfmqk L}we Kliec

Amjewk ~eie yec}l 5;;5 weh~ek imlfel yec}l 5;;6, Wmjoèc @eld}yel Yklfjey^mqyehe Lmfmqk 51 Amjewk ~eie yec}l 5;;6 weh~ek imlfel yec}l 1>>>, iel

hmèld}yjel ~mlikikjel ik Wmjoèc Hmlmlfec ]h}h Lmfmqk 65 Dejeqye ~eie

yec}l 1>>> weh~ek imlfel yec}l 1>>7 êie yec}l 1>>7, ~ml}`kw ikymqkhe ik

Klwyky}y ^mqyelkel Aofoq hmè`}k de`}q ]dkel Wm`mjwk Hew}j KÂ #]WHK+ ik

Im~eqymhml Heledmhml, Bej}`yew Mjolohk iel Heledmhml

Wmèhe hmldeèlk ~mqj}`kecel, ~ml}`kw amq~eqykwk~ewk ejykb ieèh

oqfelkwewk jmhecewkwveel, {eky} Aeiel Mjwmj}ykb Hecewkwve Bej}`yew Mjolohk

iel Heledmhml, Klwyky}y ^mqyelkel Aofoq ~eie ~mqkoim 1>>9(1>>= iel 1>>=(1>>2

hmldeaey wmaefek wyebb im~eqymhml JJC}hew iel ckh~}lel ~qobmwk Im~eqymhml

Heledmhml, Bej}`yew Mjolohk iel Heledmhml, Klwyky}y ^mqyelkel Aofoq {elf

amqlehe Gmlymq Ob Helefmhmly #GOHN+ hmldeaey wmaefek wyebb ikqmjyoqey

W}hamq Ie{e Hel}wke ~eie ~mqkoim yec}l 1>>9(1>>= Wmèhe hewe j}`kec

~ml}`kw d}fe ejykb ieèh jm~elkykel amamqe~e egeqe ik bej}`yew he}~}l

im~eqymhml


6/134

JEYE ^MLFELYEQ

^}dk w{}j}q ~ml}`kw ~eldeyjel jm ceikqey E`èc WVY {elf ymèc

hm`kh~ecjel qechey, ckie{ec, wmqye ~mqyoòlfel(L{e, wmcklffe ~ml}`kw ie~ey

hml{m`mwekjel ~ml{}w}lel wjqk~wk klk {elf amqd}i}` Ele`kwkw Wyqeymfk ^qohowk

Jeqy} Jqmiky Aelj Qej{ey Kliolmwke Wjqk~wk klk ikw}w}l wmaefek w{eqey }ly}j

hmh~mqo`mc fmèq Weqdele Mjolohk ~eie Im~eqymhml Heledmhml, Bej}`yewMjolohk iel Heledmhml, Klwyky}y ^mqyelkel Aofoq

êie jmwmh~eyel klk, ~ml}`kw klfkl hml{eh~ekjel }lfje~el ymqkhe jewkc

jm~eie4

5 Kq Eai}` Aewkyc, HWg iel Beqkie Qeyle Imvk, WM, HH wmaefek iowml~mhakhaklf {elf ymèc hm`}elfjel vejy} imlfel ~ml}c jmweaeqel

hmhamqkjel akhaklfel, hmhaefkjel k`h}, hoykrewk, weqel iel ~mlfeqecel

jm~eie ~ml}`kw weqel ieèh ~ml{mh~}qleel wjqk~wk klk

1 H}jcehei Ledka, WY^, HH eyew jmwmikeell{e }ly}j hmldeik iowml ~mlf}dkiel hmhamqkjel ioe qmwy}, wmhelfey iel jewkc we{elf jm~eie ~ml}`kw

7 Iq Kq Dolo H H}lelieq, HWg wmèj} Jmy}e Im~eqymhml Heledmhml,wm`}q}c wyeb iowml ~mlfedeq iel jeq{evel/veyk Im~eqymhel Heledmhml,

Bej}`yew Mjolohk iel Heledmhml, Klwyky}y ^mqyelkel Aofoq

9 Jmi}e oqelf y}ej} #Ae~ej iel Hehec+ iel wm`}q}c jm`}eqfe amweq {elfwmè`} hmhamqkjel ioe qmwy}, wmhelfey iel jewkc we{elf jm~eie ~ml}`kw

= H{ wkwymqeliH{ aqoycmq#Hae Iklk, W{kbe iel Iebe+K voob {o} wo h}gc2 Ae~ej Vec{}ik Ieqhevel eyew jmwmikeell{e }ly}j hmèj}jel vevelgeqe

iel hmhamqkjel vejy}, ~kjkqel iel klboqhewk {elf amqeqyk aefk ~ml}`kw

6 H{ foqfmo}w bqml I{el, Yv, Kqbel, Dmlf Akym`, Dmlf Kqhe, Klelj iel Gckhmy3 Ycm Gck``mqw #Eìo, Elik, Ceummh, Qkgo iel Qko+Ycm vco`m ~ewy 1 {meqw cew

amml el ehetklf {meqw boq hm amge}wm ob {o} f}{w Ycels } wo h}gc


7/134

51Qmjel wey} akhaklfel #Wm~yk iel Kkl+ }ly}j jmqdewehe iel hoykrewk wmèheakhaklfel iel jolw}`yewk wjqk~wk

57Khelkth 4 H~oj @klie, Rkgje, Wmjeq, Elikml, Mre, Imwy{, Kgce, H{e,Ewyqki, Khm`, Hkqe, Ykje, @klie Lmlmj, êw}w, Vckle, Ykle, Myy{ Qoll{,

Ae{}, Imik iel qmjel qmjel heledmhml èkll{e }ly}j ~mqweceaeyel iel

jmgmqkeell{e wmèhe 9 yec}l ik hewe ~mqj}`kecel

59Ymeh Dere 5 eliDere 1 4 Hew Wkol #Ycm W}~mqrkwoq+, Hew Gcebki #YcmMikyoq+, Mrkm, Kqhe, DV, Fmfm eli ycm amf}lie`w Ycels boq ycm w}~~oqy

RKRE DERE

5=^kcej(~kcej èkl {elf ykiej ie~ey ikwma}yjel wey} ~mq wey} {elf ymèc kj}yhmhaely} wmèhe ~ml{}w}lel wjqk~wk klk

^ml}`kw hml{eieqk aecve wjqk~wk klk hewkc de}c ieqk jmwmh~}qleel O`mc

jeqmle ky}, imlfel wmfeè jmqmliecel ceyk ~ml}`kw hmlfceqe~jel jqkykj iel weqel{elf amqwkbey hmhaelf}l }ly}j ikdeikjel aecel ~mqaekjel ieèh ~ml}`kwel {elf

`makc aekj èfk

Aofoq, D}`k 1>>6

^ml}`kw


8/134

IEBYEQ KWK

Ceèhel

EAWYQEJ

QKVE[EY CKI]^ ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, kkk

JEYE ^MLFELYEQ ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, kr

IEBYEQ KWK ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, rk

IEBYEQ YEAM@ ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, ks

IEBYEQ FEHAEQ ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, s

IEBYEQ @EH^KQEL ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, sk

K, ^MLIEC]@]EL55 @eyeq Amèjelf Heweèc 551 ^mq}h}wel Heweèc 957 Y}d}el ^mlm`kykel =59 Helbeey ^mlm`kykel =5= Aeyewel ^mlm`kykel 2

KK, YKLDE]EL ^]WYEJE15 Aelj 611 Jeqy} Jqmiky 317 Jolwm~ ^mheweqel Dewe 3

175 ^mheweqel 3

171 Dewe ;

177 ^mheweqel Dewe ;

179 Ae}qel mheweqel Dewe 5>

17= Wmfhmlyeykol, Yeqfmyklf iel ôwkykolklf #WY^+ 51

19 ^qohowk 571= Ae}qel ^qohowk 5=

1=5 ^mqkjèlel 5=1=1 ^mld}eèl ^mqwole` #^mqwole` Wm``klf+ 56

1=7 ^qohowk mld}eèl 53

1=9 ^}a`kwkyew iel C}a}lfel Hew{eqejey 5;

1== ^mheweqel @elfw}lf 1>

12 ^mqmlgeleel ^qohowk 151 2 5 ^ Y d ^ k 15


9/134

13 Hoim` EC^ #Ele`{ykge` Ckmqeqgc{ ^qogmww+ 13135 ^qklwk~ Jmqde EC^ 1;

131 @elfjec@elfjec mlff}leel EC^ 7>137 Jm}ly}lfel EC^ 72

1; ^mlm`kykel Ymqiec}`} 76

KKK,HMYOIO@OFK MLM@KYKEL75 Jmqelfje ^mhkjkqel Jolwm~y}e` 7;71 Vejy} iel Ymh~ey ^mlm`kykel 9577 Hmyoim ^mlm`kykel 91

775 Hmyoim ^mlfehakèl Ieye 91771 Hmyoim ^mlfehakèl Weh~m` 91777 Hmyoim ^mlfoècel iel Ele`kwkw Ieye 97

KR,CEWK@ IEL ^MHAECEWEL95 Fehaeqel ]h}h ^mq}weceel 99

955 Wmdeqec ^mq}weceel 99951

Rkwk iel Hkwk ^mq}weceel 9=957 A}ie{e ^mq}weceel 92

959 Wyqeymfk ]wece 96

95= ]lky Jmqde 96

91 Jeqy} Jqmiky AQK 96915 ^qobk` Jeqy} Jqmiky AQK 96

911 Rkwk iel Hkwk Jeqy} Jqmiky AQK 93

917 Yk~m Jeqy} Jqmiky AQK 93

919 Wòfel Jeqy} Jqmiky AQK 9;

91= Jm}ly}lfel Jeqy} Jqmiky AQK =>

97 Jmfkeyel Wyqeymfk qohowk Jeqy} Jqmiky AQK =5975 Jmfkeyel Ae}qel ^qohowk Jeqy} Jqmiky AQK Weey Klk =5

9755 ^mqkjèlel =5

9751 ^mld}eèl ^qkaeik #^mqwole` Wm``klf+ =6

9757 ^qohowk ~mld}eèl 25

9759 ^}a`kwkyew iel C}a}lfel Hew{eqejey 2=

975= ^mheweqel @elfw}lf #Ikqmgy Heqjmyklf+ 2;

971 ^mhake{el ^qohowk Jeqy} Jqmiky AQK 6199 Ele`kwkw ^mhk`kcel Wyqeymfk ^qohowk 67

995 Ele`kwkw Bejyoq(Bejyoq ml{}w}l Wyqeymfk ^qohowk

Jeqy} Jqmiky AQK 67

991 Ejyoq {elf Amq~mlfeq}c ieèh Wyqeymfk ^qohowk

Jeqy} Jqmiky AQK 66


10/134

JMWKH^]@EL IEL WEQEL

5, Jmwkh~}`el ;31, Weqel ;;

IEBYEQ ^]WYEJE 5>>

@EH^KQEL 5>1


11/134

IEBYEQ YEAM@

Lo, Ceèhel

5 Yqmli Akwlkw Jeqy} Jqmiky 11 Jeqejymqkwykj Hmike 177 Lkèk Aeliklf Wjeè Amq~ewelfel 719 Heyqkjw ^mlie~ey Klikrki} 77= Heyqkjw ^mlie~ey Fea}lfel 792 Yeam` Klimjw Egej 726 Ieye ^mq}weceel }ly}j Jmfkeyel Goq~oqeym Wm``klf =;3 W}w}lel Aoaoy iel ^qkoqkyew Cewk` ^mlfoècel Coqktolye` elyeq M`mhml

~eie Yklfjey 7 #M`mhml Ejyoq ^ml{}w}l Wyqeymfk ^qohowk+ 37

; W}w}lel Aoaoy iel ^qkoqkyew Cewk` ^mlfoècel Coqktolye` elyeq M`mhml~eie Yklfjey 9 #M`mhml Y}d}el Wyqeymfk ^qohowk+ 32

5>W}w}lel Aoaoy iel ^qkoqkyew Cewk` ^mlfoècel Coqktolye` elyeq M`mhml~eie Yklfjey = #M`mhml E`ymqleykb Wyqeymfk ^qohowk+ 36

55Aoaoy iel ^qkoqkyew Bejyoq(Bejyoq ^ml{}w}l Wyqeymfk ^qohowkJeqy} Jqmiky AQK 3;

51Aoaoy iel ^qkoqkyew Ejyoq {elf Amq~mqel ieèh ^mlfehakèl Jm~}y}welWyqeymfk ^qohowk Jeqy} Jqmiky AQK ;5

57 Aoaoy iel ^qkoqkyew Y}d}el Wyqeymfk ^qohowk Jeqy} Jqmiky AQK ;7

59 Aoaoy iel ^qkoqkyew E`ymqleykb Wyqeymfk ^qohowk Jeqy} Jqmiky AQK ;=


12/134

IEBYEQ FEHAEQ

Lo, Ce`ehel

5 Wyq}jy}q Ckqeqjk @mlfje~ 751 Jmqelfje ^mhkjkqel 957 Wyq}jy}q Ckqeqjk ^mhk`kcel Wyqeymfk ^qohowk 3>9 Cewk` ^mlfo`ecel Rmqykje` Wyq}jy}q Ckqeqjk ^mhk`kcel E`ymqleykb

Wyqeymfk ^qohowk Jeqy} Jqmiky AQK 33


13/134

IEBYEQ @EH^KQEL

Lo, Ceèhel

5 J}mwkolmq ~mlm`kykel 5>1

1 Wyq}jy}q Oqfelkwewk Golw}hmq Aeljklf 556

7 Wyq}jy}q Oqfelkwewk Ikrkwk Gqmiky Geqi 553

9 Golyoc Cewk` ^mlfoècel Coqkwolye` EC^ 55;

= Golyoc Cewk` ^mlfoècel Rmqykje` EC^ 51>


14/134

K, ^MLIEC]@]EL

5,5, @eyeq Amèjelf

Wmyke~ hel}wke hmèj}jel yqelwejwk }ly}j ~mhml}cel jma}y}cel

cki}~l{e êie tehel iec}`} hel}wke hmèj}jel yqelwejwk imlfel wma}ec

wkwymh {elf iklehejel aeqymq Leh}l, imlfel ikymh}jell{e heye }elf

heje wkwymh aeqymq klk wmgeqe oyoheykw ymqfelykjel Heye }elf ikf}lejel

wmaefek eèy y}jeq }ly}j hmham`k ~qoi}j eye} dewe f}le ~mhml}cel

jma}y}cel cki}~ Wmkqklf imlfel ~mqjmhaelfel tehel heje fe{e cki}~

hel}wke d}fe kj}y hmlfeèhk ~mq}aecel Hoak`kyew cki}~ {elf yklffk imlfel

fe{e cki}~ {elf wmhejkl hoimql hml{maeajel hel}wke hmlfklfkljel eèy(

eèy yqelwejwk èkll{e {elf `makc ~qejykw iel ehel ]ly}j hmlelffe~k

jolikwk ymqwma}y heje ymqgk~yeèc jeqy} ~èwykj {elf ikf}lejel }ly}j

~ml{m`mwekel yqelwejwk qkym`

Ik Kliolmwke wmlikqk ~mlff}leel jeqy} ~èwykj }ly}j yqelwejwk

jm}elfel h}èk amqjmhaelf ~eie yec}l 5;3>(el Wmdeèl imlfel eiel{e

~mqjmhaelfel `}eq akewe ieqk i}lke ~mqaeljel wmaefek ejkaey eiel{e

imqmf}èwk mjolohk iel ~mqaeljel h}èk yec}l 5;3>(el, jeqy} ~èwykj ~}l

wmhejkl `}ew ikf}lejel wmaefek eèy }ly}j hmèj}jel yqelwejwk jm}elfel

#Yqkelieq} " A}ikwelyowo, 1>>2+ Eie~}l weèc wey} amly}j jeqy} ~èwykj

{elf g}j}~ hmlie~ey woqoyel ieqk hew{eqejey iel ymq}w hmlfeèhk

~mqjmhaelfel eieèc jeqy} jqmiky Jeqy} jqmiky hmq}~ejel jeqy} ~èwykj {elf

ikymqakyjel o`mc `mhaefe jm}elfel iel ie~ey ikf}lejel wmaefek eèy

~mhae{eqel yqelwejwk ~mham`kel aeqelf iel dewe {elf ~mhae{eqel

~m`}lewell{e ie~ey ikèj}jel o`mc ~mham`k wmgeqe wmje`kf}w eye} elfw}qel

Imvewe klk hew{eqejey Kliolmwke hmhk`kjk hkley {elf amweq ymqceie~

jmamqeieel jeqy} jqmiky Yqmli ~mlff}leel jeqy} jqmiky ik ymlfec hew{eqejey


15/134

1

Yeam` 5 Yqmli Akwlkw Jeqy} Jqmiky

Amqieweqjel d}hèc jeqy}, ro`}hm yqelwejwk iel lkèk yqelwejwk

Yec}lDmlkwJeqy}

Ieye

1>>1 1>>7 1>>9 1>>=

Jeqy}

Jqmiky

D}hèc Jeqy}

Ro`}hmYqelwejwk

Lkèk Yqelwejwk

#Jeqy}+

#Yqelwejwk+

#Q~Yqk`k}l+

9,555,=65

==,612,2==

19,999

9,=5=,219

27,227,273

13,>=;

=,=>1,522

31,59;,=65

76,296

2,=>1,6=7

;3,>29,2>=

==,=2;

W}hamq 4 Aelj Kliolmwke ieèh WVE, 1>>2

Yklfjey ~mqy}ha}cel akwlkw jeqy} jqmiky {elf wmgeqe wkflkbkjel

hmlfeèhk jmlekjel ieqk yec}l jm yec}l ie~ey hml}ld}jel aecve ie{e am`k

hew{eqejey d}fe wmhejkl hmlklfjey Ce` ymqwma}y hmldeik wma}ec klikjeyoq

~owkykb aefk ~mèj} akwlkw jeqy} jqmiky ejel ~mqy}ha}cel jeqy} jqmiky {elf

ejel wmhejkl ~qow~mjykb jmim~ell{e Ymqgeyey ceh~kq wm`}q}c aelj wjeè

amweq ik yelec ekq ymèc ymqd}l ieèh akwlkw jeqy} jqmiky iel weèc wey}l{e {eky}

Aelj AQK

Ymqcky}lf wmdej yelffe` 11 bmaq}eqk 1>>2 ^Y Aelj Qej{ey Kliolmwke

#^mqwmqo+ Yaj hmlfm`}eqjel ~qoi}j jeqy} jqmikyl{e Jeqy} Jqmiky AQK

hmq}~ejel jmqdewehe Aelj AQK imlfel HewymqGeqi Klymqlewkole` {elf

hmq}~ejel ~mhkh~kl wkwymh ~mhae{eqel {elf ikymqkhe ik wm`}q}c i}lke

Imlfel hmlfmim~eljel jm~}ewel iel jmh}iecel aefk ~eqe leweaecl{e

Jeqy} Jqmiky AQK ie~ey ikf}lejel }ly}j amqyqelwejwk ikwm`}q}c deqklfel

o}y`my #hmqgcely+ {elf amqòfo HewymqGeqi iel d}fe hmèj}jel ~mleqkjel

y}lek ikwm`}q}c EYH amqòfo HewymqGeqi/Hemwyqo/Gkqq}w {elf ymqwmaeq ik

wm`}q}c i}lke Jeqy} Jqmiky AQK ymqikqk ieqk ykfe yk~m {eky} jeqy} Wyelieqi,

jeqy} Foìiel jeqy} ^èykl}h

Aelj AQK {elf wmèhe klk iklkèk j}ey iel boj}w imlfel wmfhml

hmlmlfec jmaevec iel d}fe ]HJH #]wece Hkjqo Jmgk` iel Hmlmlfec+

hmldeikjel Jeqy} Jqmiky AQK wmaefek bèf geqqkmq aefk Aelj AQK }ly}j

hew}j d}fe jm ~eweq joye(joye amweq hmè`}k ~qoi}j {elf joh~mykykb iel

h}iec ikymqkhe oèc wmh}e jeèlfel ]ly}j yeqfmy eve` leweaec jeqy} jqmiky


16/134

7

eve` {eky} ~eie yec}l 1>>2 ikyeqfmyjel =>>>> oqelf ieqk 7> d}ye leweaec

ejel hew}j wmaefek ~mhmfelf Jeqy} Jqmiky AQKAelj AQK }ly}j yeqfmy eve` leweaec jeqy} jqmikyl{e hmhakikj ~eweq

ieqk jeèlfel klymqle` {eky} leweaec AQK/]HJH AQK Ce` klk ikèj}jel

Aelj AQK hmlfklfey ~kcejl{e hmhk`kjk gowy}hmq aewm {elf g}j}~ amweq

{eky} wmjkyeq 7> d}ye leweaec êie yece~ eve` {eky} ~eie yec}l 1>>2

ikyeqfmyjel =>>>> oqelf ieqk 7> d}ye leweaec ejel hew}j wmaefek ~mhmfelf

Jeqy} Jqmiky AQK Ieqk yqelwejwk jeqy} jqmiky klk Aelj AQK hmlfceqe~jel

eiel{e yehaecel bmm aewmi klgohm wmamweq Q~ 1 hk`keqQ~ 7 hk`keq

Hmlfklfey w}iec ael{ej aelj {elf ymèc hmlfm`}eqjel ~qoi}j

wmq}~e hmlfceie~jel Aelj AQK ~eie kj`kh akwlkw imlfel yklfjey ~mqweklfel

{elf yklffk Hml}q}y wma}ec eqykjm` ieèhKlrmwyoq Iek`{ hmlmfewjel aecve

aeljaelj ~e~el eyew wmielf fkey hmèj}jel mjw~elwk ikakielf jeqy} jqmikyYmqgeyey ~mhmfelf Jeqy} Jqmiky Helikqk ymèc hmlge~ek 5 d}yeel oqelf,

imlfel lkèk yqelwejwk weh~ek yec}l 1>>2 hmlge~ek Q~ 7 yqk`k}l ]ly}j yec}l

1>>6 Aelj Helikqk amqehakwk }ly}j hmqekc 5,1 d}ye ~mhmfelf jeqy} Aelj

ALK {elf ymqgeyey wmaefek aelj imlfel w}j} a}lfe ~e`klf qmliec weh~ek

imlfel yec}l 1>>2 hmheyoj ~mqy}ha}cel jeqy} jqmiky wmamweq 5=1> - ~eie

yec}l 1>>6, hmldeik 5,7 d}ye ~mhmfelf jeqy} Ieqk wkwk yqelwejwk Aelj ALK

o~ykhkw ejel y}ha}c 7>- ieqk Q~ = yqk`k}l hmldeik Q~ 2,= yqk`k}l WGA

#Wyelieqy Gceqymi Aelj+ imlfel wmfhml ~qmhk}h weh~ek yec}l 1>>2

hmh~}l{ek ~mhmfelf jeqy} wmael{ej 1=>>>> oqelf iel hmleqfmyjel

jmlekjel 9>- }ly}j yec}l 1>>6 Wmaefek yehaecel, ~mq Wm~ymhamq 1>>2

~mhmfelf jeqy} jqmiky Aelj Lkefe ymqgeyey 13>>>> oqelf

Aelj AQK wmlikqk g}j}~ o~ykhkw ejel ~mqy}ha}cel jeqy} jqmikyl{e jm

im~el Aecjel }ly}j yec}l 1>>6, Aelj AQK hmleqfmyjel ~mqy}ha}cel

d}hèc ~mhmfelf jeqy} wmamweq 7 je`k `k~ey ieqk =>>>> hmldeik 5=>>>>

oqelf Ce` klk hmq}~ejel yelyelfel aefk Aelj AQK jmim~ell{e O`mc jeqmle


17/134

9

Jeqy} Jqmiky AQK Ce` klk welfey ~mlyklf ikèj}jel jeqmle ejel welfey

amq~mlfeq}c ymqceie~ jmèlfw}lfel ~mqy}ha}cel Jeqy} Jqmiky AQK jmim~el

5,1, ^mq}h}wel Heweèc

Wmaefek }~e{e }ly}j ymq}w hml{mw}ekjel ikqk imlfel ~mqjmhaelfel

ymjloòfk iel d}fe y}ly}yel ieqk leweaec, hmlioqolf Aelj AQK }ly}j ymq}w

amq}~e{e hmèj}jel ~mlfmhaelfel ieèh ~qoi}j~qoi}j ~mqaeljell{e

Weèc wey} ~qoi}j ~mqaeljel {elf ikjm`}eqjel o`mc Aelj AQK f}le

hml{mw}ekjel jolikwk ymqwma}y {eky} Jeqy} Jqmiky AQK

Aelj AQK ymqfoòlf ~mhekl aeq} ieèh akwlkw jeqy} jqmiky Aelj(aelj

~e~el eyew ik Kliolmwke wm~mqyk Aelj Helikqk, Aelj ALK, Aelj AGE, iel

Aelj Lkefe ymèc hmlfm`}eqjel jeqy} jqmiky ymq`makc iec}`} ikaeliklfjel

imlfel Aelj AQK ^mqweklfel ieèh akwlkw klk wmhejkl yedeh imlfel y}q}y

wmqyel{e aelj ewklf {elf d}fe ymèc hmlmqakyjel jeqy} jqmiky wm~mqyk Gkykaelj,

CWAG iel WGA Aecjel Gkykaelj weh~ek yec}l 1>>2 ymqgeyey wmaefek aelj

imlfel d}hèc ~mhmfelf jeqy} ymqael{ej ik Kliolmwke imlfel d}hèc

~mhmfelf jeqy} hmlge~ek 5,= d}ye oqelf eye} hmlf}ewek wmjkyeq 7=- ieqk

~elfwe ~eweq Weh~ek yec}l 1>>2 wmlikqk ymqgeyey w}iec ymqie~ey 11 aelj {elf

ymqd}l ieèh akwlkw jeqy} jqmiky ik Kliolmwke

Yklfjey joh~mykwk akwlkw jeqy} jqmiky ik Kliolmwke ~}l jkel

amqjmhaelf jm eqec {elf hejkl joh~mykykb Ce` klk ie~ey ymq`kcey ieqk

fmlgeql{e kjèl iel jmfkeyel ~qohowk èkll{e {elf ikèj}jel o`mc ~eqe

~mweklf, aekj ~qohowk {elf amqwkbey eaorm ycm `klm he}~}l amòv ycm `klm

Ikyehaec èfk, imvewe klk d}fe ymq`kcey aecve ~eqe ~mlmqaky jeqy} jqmiky

wmielf amqòhae(òhae }ly}j hmleqkj hkley ~}a`kj imlfel hm`}lg}qjel

amqaefek hegeh ~qofqeh ~qohowk ~mld}eèl, h}èk ieqk ~qofqeh hmqgcely

ikwgo}lyweh~ek imlfel =>- #a}{ olm fmy olm bqmm+, ~okly qmveqi, ~qofqeh

gkgkèl >- iel {elf wmielf yqmli weey klk {eky} ~mhamqkel gewcaegj


18/134

=

jq}wke` aefk Aelj AQK }ly}j hmlfceie~k ~mqweklfel ~eie akwlkw jeqy} jqmiky

klk ]~e{e }ly}j hmh~mqjmle`jel iel hmhaelf}l eveqmlmww Jeqy} JqmikyAQK jmymlfec ~}a`kj ieèh qelfje }ly}j hmhelye~jel ~owkwkl{e ieèh

~mqweklfel ik akwlkw jeqy} jqmiky ie~ey ymqge~ek hmè`}k wyqeymfk ~qohowk {elf

ym~ey

Ieqk }qekel ikeyew heje ie~ey ikq}h}wjel ~mqheweècel {elf ykha}`

eieèc wmaefek amqkj}y 4

5 Aefekhele jmfkeyel ~qohowk {elf ikèj}jel Aelj AQK }ly}j ~qoi}jJeqy} Jqmiky AQK ?

1 Bejyoqbejyoq e~e wede {elf hmh~mlfeq}ck ~ml{}w}lel wyqeymfk ~qohowkJeqy} Jqmiky AQK?

7 E`ymqleykb wyqeymfk ~qohowk e~ejec {elf ~e`klf ym~ey }ly}j ikymqe~jel ikAelj AQK }ly}j Jeqy} Jqmiky AQK?

5,7, Y}d}el ^mlm`kykel

Hmlfeg} ~eie ~mq}h}wel heweèc wm~mqyk {elf ymèc ik}qekjel ikeyew,

heje y}d}el ~mlm`kykel klk eieèc 4

5 Hmlfjedk eye} hmlfmyec}k jmfkeyel ~qohowk {elf ikèj}jel o`mc aeljAQK }ly}j ~qoi}j Jeqy} Jqmiky AQK

1 Hmlfkimlykbkjewk bejyoqbejyoq {elf hmh~mlfeq}ck jm~}y}wel~ml{}w}lel wyqeymfk ~qohowk Jeqy} Jqmiky AQK

7 Hmlgeqk e`ymqleykb wyqeymfk ~qohowk {elf ym~ey }ly}j Jeqy} Jqmiky AQK5,9, Helbeey ~mlm`kykel

Helbeey ~mlm`kykel, aekj helbeey èlfw}lf he}~}l helbeey ykiej

èlfw}lf {elf ie~ey ikehak` ieqk ~ml}`kwel wjqk~wk klk eieèc 4

5 Aefk ~mq}weceel ikceqe~jel cewk` ~mlm`kykel klk amqf}le wmaefek hew}jeliel qmjohmliewk {elf ~ey}y ik~mqykhaelfjel lelykl{e

1 Aefk ~mlm`kyk, hmlie~eyjel helbeey ~qejykw amq}~e yehaecel vevewel


19/134

2

5,=, Aeyewel ^mlm`kykel

^mlm`kykel klk ymqaeyew cel{e ~eie ~mhaecewel hmlfmlek jmfkeyel~qohowk ymq~ei} ~mq}weceel iel ae}qel ~qohowk {elf ikèj}jel, {eky}

~mqkjèlel #eirmqykwklf+, ~mld}eèl ~qkaeik #~mqwole` wm``klf+, ~qohowk

~mld}eèl #we`mw ~qohoykol+, ~}a`kwkyew iel c}a}lfel hew{eqejey #~}a`kgky{

eli ~}a`kg qmèykol+, iel ~mheweqel èlfw}lf #ikqmgy heqjmyklf+


20/134

KK, YKLDE]EL ^]WYEJE

1,5, Aelj

Aelj hml}q}y ]lielf]lielf QK lohoq 5> yec}l 5;;3 yelffe` 5>

Lormhamq 5;;3 ymlyelf ~mqaeljel eieèc aeiel }wece {elf hmlfckh~}l iele

ieqk hew{eqejey ieèh amly}j wkh~elel iel hml{e`}qjel jmhae`k jm~eie

hew{eqejey ieèh amly}j jqmiky iel eye} amly}jamly}j èkll{e ieèh qelfje

hmlklfjeyjel yeqeb cki}~ qej{ey ael{ej #Jewhkq, 1>>9+

Aelj ieèh }wecel{e hmhk`kjk ykfe jmfkeyel }yehe {eky} hmlfckh~}l

iele, hml{e`}qjel iele iel hmhamqkjel dewe èkll{e Jmfkeyel hmhamqkjel

iel hml{e`}qjel iele hmq}~ejel jmfkeyel ~ojoj ~mqaeljel Wmielfjel

jmfkeyel hmhamqkjel dewedewe èkll{e hmq}~ejel ~mli}j}lf ieqk i}e jmfkeyel

wmam`}hl{e

^mlfmqykel hmlfckh~}l iele ieèh aelj hejw}il{e eieèc

hmlf}h~}`jel iel hmlgeqk iele #}elf+ imlfel geqe hmham`k ieqk hew{eqejey

`}ew ieèh amly}j wkh~elel fkqo, yea}lfel iel im~owkyo Wyqeymfk aelj ieèh

hmlfckh~}l iele eieèc imlfel hmhamqkjel qelfwelfel amq}~e aeèw dewe

{elf hmleqkj iel hmlf}ly}lfjel {eky} amq}~e a}lfe Jmfkeyel hml{e`}qjel

iele eieèc jmfkeyel hm`mh~eqjel jmhae`k iele {elf ik~mqo`mc `mvey

wkh~elel fkqo, yea}lfel iel im~owkyo jmhew{eqejey ieèh amly}j ~kldehel

#jqmiky+ Ieèh ~mhamqkel jqmiky, leweaec ejel ikjmlejel a}lfe ~kldehel iel

ake{e eihklkwyqewk Dewedewe ~mqaeljel èkll{e hmq}~ejel dewe ~mli}j}lf eye}

~m`mlfje~ jmfkeyel ~mqaeljel Ce` klk hmq}~ejel }wece aelj }ly}j

hmli}j}lf jmèlgeqel jmfkeyel hmlfckh~}l iel hml{e`}qjel iele Eie~}l

golyoc ieqk dewedewe ~mqaeljel èkll{e wm~mqyk yqelwbmq, j`kqklf, jeqy} jqmiky,

jeqy} imaky, webm im~owky aos,@myymq ob Gqmiky#@/G+ iel èkl(èkll{e

Jm}ly}lfel ~eie aelj ik~mqo`mc ieqk wm`kwkc a}lfe wkh~elel {elf


21/134

3

1,1,Jeqy} JqmikyJeqy} jqmiky eieèc eèy ~mhae{eqel imlfel hmlff}lejel jeqy} {elf

ie~ey ikf}lejel }ly}j hmèj}jel ~mhae{eqel eyew jmvedkael {elf ykha}` ieqk

w}ey} jmfkeyel mjolohk, ymqhew}j yqelwejwk ~mhamèldeel iel }ly}j hmèj}jel

~mleqkjel y}lek ikhele jmvedkael ~mhae{eqel ~mhmfelf jeqy} ik~ml}ck

ymq`makc iec}`} o`mc ~mlmqaky eye} egu}kqmq, iel ~mhmfelf jeqy} amqjmvedkael

hmèj}jel ~m`}lewel jmvedkael ~mhae{eqel ymqwma}y ~eie delfje vejy}

ymqymly} wmgeqe wmje`kf}w eye}~}l wmgeqe elfw}qel wmymèc jeqy} ikf}lejel

wmaefek eèy ~mhae{eqel Jmael{ejel jeqy} jqmiky hmhk`kjk }j}qel {elf wehe

{eky} amq}j}qel ~eldelf 3,= gh iel `maeq =,9 gh, wm~mqyk {elf ymèc

ikw~mwkbkjewkjel o`mc wyelieq KWO 635>

1,7, Jolwm~ ^mheweqel Dewe

1,7,5,^mheweqel^mheweqel eieèc ~qowmw ~mqmlgeleel iel ~mèjweleel ~mhkjkqel,

~mlmye~el ceqfe, ~qohowk, wmqye ~ml{e`}qel fefewel, aeqelf, iel dewe

}ly}j hmlgk~yejel ~mqy}jeqel {elf hmhml}ck weweqelweweqel klikrki}

iel oqfelkwewk #Ewowkewk ^mheweqel Ehmqkje ieèh Joy`mq, 1>>9+

Hml}q}y Joy`mq " Eqhwyqolf #1>>5+ ~mheweqel hmq}~ejel w}ey}~qowmw wowke` iel heledmqke` {elf hmha}ey klikrki} iel jmòh~oj

hmh~mqo`mc e~e {elf hmqmje a}y}cjel iel klfkljel `mvey ~mlgk~yeel

iel ~mqy}jeqel ykhae` ae`kj ~qoi}j iel lkèk imlfel oqelf èkl

Wyelyol ieèh Elfk~oqe #1>>1+ hmlimbklkwkjel ~mheweqel eyew

~mlfmqykel amqkj}y 4

5 Ieèh eqykel jmhew{eqejeyel 4^mheweqel eieèc wmyke~ jmfkeyel y}jeqhml}jeq {elf amqy}d}el }ly}j

hmh}ewjel jmklfklel hel}wke

1 Ieèh eqykel akwlkw 4


22/134

;

[etki #1>>=+ hmldmèwjel aecve ~mheweqel hmq}~ejel

~mlfc}a}lf elyeqe oqfelkwewk imlfel jolw}hmll{e ^mqel ~mlfc}a}lf

klk ejel amqcewk` akè wmh}e }~e{e ~mheweqel ikoqkmlyewkjel jm~eie

~eweq Wmèkl ky} d}fe ik~mq`}jel jmymq`kaeyel ieqk wmh}e ~kcej, aekj ieqk

heledmhml ~}lgej cklffe jeq{evel lol heledmqke`, ieèh hmq}h}wjel

he}~}l hmli}j}lf ~mèjweleel ~mheweqel

1,7,1,Dewe@ormògj " Vqkfcy #1>>=+ hmldmèwjel dewe hmè`}k i}e

~mlimjeyel, {eky} 4

5 Dewe eieèc ykliejel eye} jklmqde {elf ikyeveqjel w}ey} ~kcej jm~eie~kcej èkll{e Veè}~}l ~qowmwl{e h}lfjkl ymqjeky imlfel ~qoi}j

bkwkj, jklmqdel{e ~eie ieweql{e ykiej l{eye iel akewel{e ykiej

hmlfcewk`jel jm~mhk`kjel eyew bejyoqbejyoq ~qoi}jwk

1 Dewe eieèc jmfkeyel mjolohk {elf hmlgk~yejel iel hmhamqk helbeeyaefk ~mèlffel ~eie vejy} iel ymh~ey ymqymly}, wmaefek cewk` ieqk

ykliejel hmv}d}ijel ~mq}aecel {elf ikklfkljel ieèh ikqk(eye} eyew

lehe( ~mlmqkhe dewe ymqwma}y

Ydk~yolo #5;;2+ hml{ma}yjel ymqie~ey mh~ey jeqejmyqkwykj dewe,

{eky} 4

5Klyelfkak`ky{, eqykl{e dewe ykiej ie~ey ik`kcey, ikqewejel, ikqeae, ikgk}heye} ikimlfeq wmam`}h dewe ymqwma}y ikam`k

1Klwm~eqeak`ky{, eqykl{e elyeqe wk ~mham`k dewe imlfel wk ~mld}e` dewewe`klf amqjekyel

7 Reqkeak`ky{, eqykl{e dewe welfey amqwkbey reqkeam` jeqmle hmq}~ejellolwyelieqiktmi o}y~}y, eqykl{e ael{ej reqkewk amly}j, j}e`kyew iel

dmlkw, ymqfely}lf ~eie wke~e, je~el iel ikhele dewe ikcewk`jel

9 ^mqkwceak`ky{,eqykl{e dewe hmq}~ejel johoikyew ykiej yecel èhe iel


23/134

5>

~mheweqel mjwymqle` #~mqwke~el dewe, ~mlmye~el ceqfe, ikwyqka}wk iel

~qohowk+, ~mheweqel klymqle` #hmèykc iel hmhoykrewk jeq{evel+, iel

~qohowk klymqejykb #klymqejwk elyeq jolw}hml imlfel jeq{evel

~mq}weceel+

E`he #1>>1+ hmlfmh}jejel aecve e~eakè ~mlie~eyel wmwmoqelf

hmlklfjey eie jmgmlimq}lfel }ly}j hmh~mqamweq ~mlfm`}eqel }ly}j

hmham`k dewe O`mc wmaea ky}, ~mheweqel dewe hejkl èhe wmhejkl

hmldeik ~mlyklf

1,7,9, Ae}qel ^mheweqel Dewe

Ae}qel ~mheweqel #heqjmyklf hks+ eieèc wm~mqelfjey eèy

~mheweqel {elf ikf}lejel ~mq}weceel }ly}j ymq}w hmlmq}w hmlge~ek

y}d}el ~mheweqell{e ik ~eweq weweqel #Joy`mq, 1>>9+ M`mhml ~eie ae}qel

~mheweqel ymqikqk ieqk wmh}e reqkeam` {elf akwe ikjolyqo` iel ik~ejek

}ly}j hmh}ewjel jolw}hml weweqel Ae}qel {elf w}iec ikjmle` ymqikqk

ieqk mh~ey m`mhml {eky} ~qoi}j #~qoi}gy+, ceqfe #~qkgm+, ymh~ey #~ègm+,

iel ~qohowk #~qohoykol+, wm~mqyk ikdmèwjel HgGeqyc{ ieèh Joy`mq

#1>>9+ Imlfel wmikjky ~ml{mw}ekel m`mhml(m`mhml klk d}fe ~mlyklf

ieèh ~mheweqel dewe Ejel ymye~k, ymqjeky imlfel wkbey dewe {elf

klyelfka`m heje hmlioqolf ~eqe ~mheweq dewe }ly}j hmhew}jjel

reqkeam` yehaecel wmc}a}lfel imlfel }~e{el{e }ly}j amqjoh}lkjewk

iel hmh}ewjel jolw}hml #[etki, 1>>=+ Imlfel imhkjkel hmha}ey

ae}qel ~mheweqel dewe hmldeik `makc joh~`mjw {elf ikjmle` imlfel 3^,

{eky} ymqikqk ieqk #@ormògj " Vqkfcy, 1>>=+ 4

e ^qoi}j #^qoi}gy+Heledmq ceq}w hmhk`kc bky}q(bky}q ~qoi}j klyk #aekj aeqelf eye} dewe+

iel amamqe~e m`mhml dewe ~m`mlfje~ {elf hmlfm`k`klfkl{e, imlfel

hmq}d}j helbeey {elf ikklfkljel ~mèlffel iel wmamqe~e yklffk ie{e


24/134

55

a Ymh~ey iel Vejy} #^ègm+^mlfkqkhel m`mhml ~qoi}j jm ~mèlffel hm`kaeyjel jm~}y}wel

ymlyelf ymh~ey iel vejy} ~mlfkqkhel iel h}lfjkl hm`kaeyjel we`}qel

ikwyqka}wk bkwkj eye} m`mjyqolkj #eye} jmi}el{e+, amqfely}lf ~eie wkbey

dewe {elf ikamqkjel ^mq}weceel ie~ey hmlfkqkhjel dewe jm~eie

~mèlffel wmgeqe èlfw}lf eye} hmè`}k oqfelkwewk ~mqelyeqe

g ^qowmw #^qogmww+]ly}j hmlgk~yejel iel hml{eh~ekjel m`mhml ~qoi}j jm~eie

~mèlffel ik~mq`}jel imwekl iel kh~`mhmlyewk ieqk ~qowmw {elf

mbmjykb Wma}ec ~qowmw hmldmèwjel hmyoim iel }q}yel jmqde ieqk

wkwymh {elf amqo~mqewk ^qowmw {elf imwekll{e a}q}j ejel

hmlffelff} ~mèlffel jeqmle jmymqèhaeyel

i ^qoi}jykrkyew iel J}e`kyew #^qoi}gykrky{ eli U}e`ky{+^qoi}jykrkyew hmq}~ejel }j}qel wmamqe~e amweq ~mlf}aecel kl~}y dewe

hmldeik o}y~}y {elf hmlehaec lkèk aefk ~mq}weceel J}e`kyew

hmlffehaeqjel wmde}c hele w}ey} dewe hmh}ewjel ~mèlffel

imlfel hmhml}ck jma}y}cel, jmklfklel, iel ceqe~el hmqmje

^qoi}jykrkyew iel j}e`kyew ceq}w ik`kcey wmaefek i}e wkwk heye }elf

Ykiej eie ~mq}weceel {elf welff}~ hmlelfelk klk wmlikqk(wmlikqk

ôi}jykrkyew welfey ~mlyklf }ly}j hmldefe efeq ake{e ymye~ ymqjmlie`k

iel j}e`kyew dewe amq~mqel ~mlyklf aefk ikbmqmlwkewk ~qoi}j iel aefk

~mhamly}jel ò{e`kyew ~mèlffel

m Oqelf #^mo~`m+Ael{ej dewe ~eie klymqejwk èlfw}lf iel ~qkaeik elyeqe ~mèlffel iel

jeq{evel ~mq}weceel Wkbey ieqk klymqejwk klk welfey hmh~mlfeq}ck

~mqwm~wk ~mèlffel ymqceie~ j}e`kyew dewe ^mèlffel wmqklf hmlkèk

j}e`kyew dewe {elf hmqmje ymqkhe amqieweqjel ~mlkèkel ymqceie~

oqelf oqelf {elf hml{mikejel dewe ymqwma}y


25/134

51

oqelf(oqelf wm~mqyk ymlefe ~mld}e` eye} hmè`}k amqaefek hegeh

hmike

f A}jyk Bkwkj #^c{wkge` Mrkielgm+A}jyk bkwkj hmq}~ejel ~my}ld}j rkw}e` eye} amqv}d}i èkll{e {elf

hmhamqk a}jyk eyew j}e`kyew dewe ^mq}weceel ~mq`} ceyk(ceyk ieèh

hmlfmòè jeqmle ie~ey hmh~mlfeq}ck jmwel ~mèlffel

c Ceqfe iel Ake{e Dewe èkll{e #^qkgm+Ceqfe iel joh~olml ak{e dewe èkll{e hmh~mq`kceyjel jm~eie

heledmhml amqaefek ake{e {elf ikykha}`jel ~mèlffel ieèh

hmh~mqo`mc helbeey w}ey} ~qoi}j dewe

1,7,=, Wmfhmlyeykol, Yeqfmyklf ielôwkykolklf #WY^+

E, Wmfhmlyeykol

Whkyc ieèh Elfk~oqe #1>>1+ hmlfmh}jejel aecvewmfhmlyewk ~eweq hmq}~ejel ~mhaefkel ieqk ~eweq wmgeqe jmwm`}q}cel

ieèh jmòh~oj(jmòh~oj wmw}ek imlfel jma}y}cel iel gkqk(gkqk

jolw}hml Wmfhmlyewk hmh}lfjkljel oqfelkwewk dewe heh~}

hml{mw}ekjel ymjlkw ~mleveqel, o~mqewk eye} ~mlff}leel dewe eye}

~mè{elel {elf `makc aekj, wmqye ~mèykcel {elf ikyeveqjel o`mc

w}~~`kmq iel imlfel ceqfe {elf ie~ey ik~mqge{e Reqkeam`reqkeam`

{elf ie~ey ikf}lejel }ly}j hmlwmfhmlyewkjel ~eweq hml}q}y Joy`mq

#1>>9+ ymqikqk ieqk wmfhmlyewk fmofqebkw, imhofqebkw, ~wkjofqebkw, iel

~mqkèj}

A, Yeqfmyklf

Yeqfmyklf hmq}~ejel jmfkeyel {elf amqkwk iel hmlkèk wmqyehmhk`kc wey} ieqk wmfhml ~eweq {elf ejel ikhew}jk o`mc w}ey}

~mq}weceel Ieèh hmhk`kc wmfhml hele {elf ikdeikjel weweqel,

~mq}weceel ie~ey hmhk`kc }ly}j hmh}weyjel ~mqceykel ~eie wey}

57


26/134

57

}ly}j jm~mlyklfel ~mq}weceel ymye~k d}fe jm~mlyklfel hmqmje {elf

ikdeikjel weweqel

G,ôwkykolklf

ôwkykolklf eieèc ykliejel hmqelgelf yeveqel iel gkyqe

~mq}weceel wmcklffe hmlmh~eyk w}ey} ~owkwk {elf ymqamiejel #ik

elyeqe ~mweklf+ ikamlej ~mèlffel weweqell{e #Joy`mq, 1>>9+

^mq}weceel hmhamiejel ikqkl{e imlfel hmlf}aec jeqejymqkwykj

}h}h #hmh~}l{ek jeqejymqkwykj ymqymly} {elf amie iel }lkj+

kli}wyqkl{e, wmcklffe ~mqamieel ky} hmldeik jm}lff}èl joh~mykykb

Cewk` ejckq ieqk ~owkykolklf eieèc jmamqcewkèl ~mlgk~yeel w}ey}

}w}èl lkèk {elf ymqboj}w ~eie ~eweq, w}ey} ~mql{eyeel wmimqcele

{elf dmèw hmlfe~e ~eweq weweqel ceq}w hmham`k ~qoi}j ky}

Qkmw " Yqo}y ieèh Joy`mq #1>>9+ amq~mlie~ey aecve ~qoi}j

ymqjmle` ~eie }h}hl{e hmhk`kjk w}ey} ~owkwk ymqwmlikqk ik amlej

jolw}hml Imlfel hmhk`kjk ~owkwkl{e hewklf(hewklf ejel w}`ky aefk

~mweklf }ly}j hmlg}qkl{e

1,9, ^qohowk

^qohowk hmq}~ejel amqaefek jmfkeyel {elf ikèj}jel o`mc ~mq}weceel

}ly}j hmloldo`jel jmkwykhmveeljmkwykhmveel {elf ikèj}jel iel hmha}d}j

jolw}hml weweqel efeq hmham`kl{e #Joy`mq, 5;;6+ Wmielfjel Wgcom`` ieèh

E`he #1>>1+ hmlfmh}jejel aecve ~qohowk wmaefek }wece {elf ikèj}jel o`mc

heqjmymq, amqjoh}lkjewk imlfel geòl e}ikmlw Ikhele joh}lkjewk ikwklk

ikimbklkwkjel wmaefek ~qowmw hmhaefk kim, klboqhewk iel ~mqeweel e}ikmlw

^qohowk ikaefk hmldeik i}e aefkel, {eky} ~qohowk ~mld}eèl #yqeim~qohoykol+ iel ~qohowk jolw}hml #golw}hmq ~qohoykol+ ^qohowk ~mld}eèl

ikèj}jel }ly}j hmlklfjeyjel ~mld}eèl w}ey} ~oi}j, wmielfjel ~qohowk

jolw}hml ikèj}jel }ly}j hmhamqkjel klwmlykb jm~eie jolw}hml, efeq ymye~

59


27/134

59

ce` ~mlyklf {elf ceq}w ik~mqceykjel ieèh ~qohowk {eky} wke~e, e~e {elf

ikweh~ekjel, iky}d}jel ~eie wke~e, hmike ~qohowk iel d}fe y}d}el

Wckh~ #5;;;+ hmldmèwjel eie ykfe jma}y}cel {elf ceq}w ikyoldo`jel

ieèh hmèj}jel ~qohowk Jma}y}cel {elf hmha}ey jolw}hml hmqewe {ejkl

aecve ~qoi}j ymqwma}y akwe hmhml}ck jmklfklell{e Eie~}l jma}y}cel {elf

ikhejw}i {eky} 4

5 Jma}y}cel B}lfwkole`Jma}y}cel b}lfwkole` amq}wece }ly}j hml{mikejel wo`}wk aefk

heweècheweèc jolw}hwk eye} ~oymlwk ~mqheweècel {elf ie~ey ikceie~k

o`mc jolw}hml, imlfel hmlfjoh}lkjewkjel aecve w}ey} hmqmj hmhk`kjk

helbeey w~mwkbkj {elf ie~ey hmhmgecjel heweècheweèc ymqwma}y

1 Jma}y}cel Wkhako`kwJma}y}cel wkhako`kw ikeqecjel jm~eie jmklfklel jolw}hml ieèh

}~e{e hmh~mqaekjk ikqk, ikceqfek wmaefek elffoye ieqk w}ey} jmòh~oj

Jma}y}cel klk ikf}lejel }ly}j hmlfewowkewkjel jmf}leel hmqmj imlfel

jmòh~oj, ~mqel, eye} gkyqe ikqk {elf ikkklfkljel

7 Jma}y}cel Mjw~mqkmlye`êie jma}y}cel mjw~mqkmlye`, jolw}hml hmq}~ejel qm~qmwmlyewk ieqk

jmklfklel hmqmje ejel ~qow}j {elf ie~ey hmhamqkjel qewe wmlelf,

jmelmjeqefehel iel wykh}èwk joflkykb Mjw~mqkmlye` hmh~qohowkjel

kjèll{e wmaefek w}ey} {elf kwykhmve iel hmh~}l{ek gkye qewe yklffk

^qohowk, jc}w}wl{e ieèh kli}wyqk qkym`, ie~ey ikaefk hmldeik i}e

aefkel, {eky} 4

5Eaorm Ycm @klmAmly}j ~qohowk eaorm ycm `klm hmq}~ejel amly}j ~qohowk {elf

hmlff}lejel weqele ~qohowk amq}~e hmike yqeikwole` wmaefek weqele

~ml{eh~ekel ~mwel {elf mbmjykb Amly}j ~qohowk klk akewel{e amqamly}j

johkwk aefk efml ~mld}eèl hmlff}lejel hmike hewwe wm~mqyk ym`mrkwk

5=


28/134

5=

yel~e hmlff}lejel hmike, imlfel y}d}el hmhaelf}l gkyqe ~owkykb w}ey}

~qoi}j ^qohowk klk ie~ey amqamly}j ~mhamqkel yehaecel ~eie dewe {elf

ikèj}jel o`mc ymlefe ~mld}e`, ~mhamqkel w~olwoqwck~ ~eie w}ey} jmfkeyel,

hmèjwelejel jmfkeyel wowke`, ~ehmqel~ehmqel, ~mhamqkel golyoc fqeykw,

~mhamqkel }elf y}lek/ceikec èlfw}lf iel wmaefekl{e

1,=, Ae}qel ^qohowk

Ae}qel ~qohowk #~qohoykol hks+ hmlffehaeqjel geqegeqe jqmeykb

{elf hmh~mlfeq}ck jolw}hml ieèh hmèj}jel ~mham`kel ~qoi}j eye} dewe

Joy`mq #1>>>+ hmlfmh}jejel aecve ae}qel ~qohowk wmaefek hmike joh}lkjewk

~mheweqel hmhk`kjk `khe jmfkeyel }yehe, {eky} ~mqkjèlel #eirmqykwklf+,

~mld}eèl wmgeqe ~mqwole` #~mqwole` wm``klf+, ~qohowk ~mld}eèl #we`mw

~qohoykol+, ~}a`kwkyew iel c}a}lfel hew{eqejey #~}a`kgky{ eli ~}a`kg

qmèykolw+, ~mheweqel èlfw}lf #ikqmgy heqjmyklf+

1,=,5, ^mqkjèlel

^mqkjèlel hmq}~ejel wmh}e amly}j ~ml{edkel iel ~qohowk

lol~mqwole` eyew kim, aeqelf eye} dewe {elf ikèj}jel o`mc ~mq}weceel

w~olwoq ymqymly} #Joy`mq, 1>>>+ Kjèl ikf}lejel o`mc ~mq}weceel f}le

hmlfklboqhewkjel, hmleqkj, iel hmh~mlfeq}ck oqelf Yel~e kjèl, ~eqe

~qoi}wml iel ikwyqka}yoq ykiej ejel ie~ey hmld}e` aeqelfl{e Wmielfjel

ikwkwk èkl, ~eqe ~mham`k ykiej ejel hmh~}l{ek g}j}~ klboqhewk

hmlfmlek ~qoi}j~qoi}j aeqelf iel dewe {elf ymqwmike ik ~eweqel Kjèl

{elf ikweh~ekjel wmaekjl{e ikqeh} wmimhkjkel q}~e wmcklfffe ~mwel

{elf ikweh~ekjel h}iec ikgmqle iel ikhmlfmqyk hew{eqejey, iel

hmlfeli}lf klboqhewk {elf amleq

E`he #1>>1+ hmldmèwjel yk~myk~m ieqk eirmqykwklf wmaefek

amqkj}y4

5 ^qkgm Eirmqykwklf {eky} ~mqkjèlel {elf hmloldo`jel ceqfe {elf

52


29/134

52

9, ^qoi}gy Eirmqykwklf amq}wece hmh~mlfeq}ck jolw}hml imlfel

bemiec(bemiec ieqk ~mhejekel w}ey} ~qoi}j

=, Klwyky}ykole` Eirmqykwklf {eky} hmloldo`jel lehe ieqk ~mq}weceel

imlfel ceqe~el efeq jolw}hml hmh~}l{ek jmwel hmlieèh ymlyelf

~mq}weceel ymqwma}y, wmcklffe klk hmq}~ejel dehklel h}y}

2, ^qmwykfm Eirmqykwklf {elf amq}wece hmhamqkjel bewckol ~eie w}ey}

~qoi}j eye} hmlioqolf hew{eqejey hmlfewowkewkjel ~qoi}j ymqwma}y

imlfel jmje{eel eye} jmi}i}jel

^mlff}leel ~qohowk imlfel kjèl ie~ey ikèj}jel imlfel

amqaefek hmike, wm~mqyk `mvey 4

e ^mhewelfel ak`àoeqiik deèldeèl wyqeymfkw:

a ^mlgmyejel aqow}q aekj ikwmaeqjel ikwmyke~ geaelf eye} ik ~}wey

~mqamèldeel:

g ^mhewelfel w~eli}j ikòjewk ymqymly} {elf wyqeymfkw:

i ^mhewelfel hmè`}k hmike hewwe wm~mqyk joqel eye} hedeèc:

m ^mhewelfel hmè`}k hmike m`mjyqolkj wm~mqyk ym`mrkwk iel qeiko:

b iel hmlff}lejel hmike èkll{e

^mqykhaelfel ~mlff}leel hmike {elf ejel ik~ejek }ly}j

~mhewelfel kjèl ikw}ey} hmike {eky} 4 #5+ delfje}el hmike {elf ejel

ikf}lejel, #1+ weweqel eye} jolw}hml {elf ejel iky}d}, #7+ ie{e yeqkj

{elf ikhk`kjk o`mc hewklfhewklf hmike, iel #9+ ake{e {elf

ikjm`}eqjel Y}d}el ieqk ~mlff}leel iel ~mhk`kcel hmike kjèl welfey

ymqfely}lf ieqk y}d}el ~mq}weceel Hewklfhewklf hmike hmhk`kjk

y}d}el {elf amqamie Ymqie~ey amamqe~e y}d}el ~mlff}leel kjèl wmaefek

hmike ~qohowk {eky} 4

e ]ly}j ~mhamqkyec}el ymlyelf wmfeè wmw}ey} {elf amqjekyel imlfeldewe {elf ikyeveqjel o`mc ~mq}weceel Wm~mqyk ~m`}lg}qel ~qoi}j

aeq} jm}ly}lfel iel jm`makcel w}ey} ~qoi}j eye} klboqhewk èkll{e

56


30/134

56

i Hmh~mlfeq}ck jolw}hml ieqk ~mq}weceel ~mweklf efeq amq~kliec jm~mq}weceel jkye

m Hmlfmlie~jel ~mqkèj} ^mqkèj} jolw}hml ie~ey ikamly}j hmè`}kkjèl

b Hmhaely} mjw~elwk ~eweq1,=,1, ^mld}eèl ^mqwole` #^mqwole` Wm``klf+

^mqwole` wm``klf hmq}~ejel joh}lkjewk i}e eqec elyeqe jeq{evel

dewe imlfel ~mèlffel {elf ikqelgelf }ly}j èlfw}lf hmh~mlfeq}ck

~qowmw ~mham`kel #@ormògj " Vqkfcy, 1>>=+ Ikhele wkbey èlfw}lf ieqk

~mqwole` wm``klf hmh}lfjkljel vejk` ~mld}eèl hml{mw}ekjel ~mwel

ymqwma}y efeq gogoj imlfel jma}y}cel iel jmklfklel ymqymly} hewklf

hewklf ~mèlffel Hmè`}k ~mqwole` wm``klf jma}y}celjma}y}cel ie~ey

ikkimlykbkjewk, ~mqyel{eel ie~ey ikdevea, iel wmfeè ~mqwoeèlik~mgecjel

Joy`mq #1>>>+ hmlfmh}jejel aecve~mqwole` wm``klf hmq}~ejel

~mqelfjey {elf ~e`klf mbmjykb ieèh yece~el èld}yel ieqk ~qowmw

~mham`kel jc}w}wl{e }ly}j hmhaelf}l ~qmbmqmlwk, jm{ejklel iel

ykliejel ieqk wmyke~ ~mham`kel ^mqwole` wm``klf ikèj}jel wmaefek

~m`mlfje~ ~mlfkjèlel jeqmle ce` ky} ikèj}jel wmgeqe klikrki}e` iel

ikèj}jel o`mc wyeb ~mheweqel wmgeqe èlfw}lf, a}jel hmè`}k hmike

hewwe ]wece ~mld}eèl èlfw}lf ieèh ~qejykj ejel amqreqkewk

ymqfely}lf e~ejec ~qoi}j {elf ikd}e` ky} hmq}~ejel aeqelf jolw}hwk,

aeqelf kli}wyqke` eye} aeqelf dewe

Amly}jamly}j ~mqwole` wm``klf {elf ikjmle` wmgeqe feqkw amweqeieèc wmaefek amqkj}y 4

5 Ik yojo eye} ~}wey ~mqamèldeel,1Co}wm yo co}wm wm``klf,

53


31/134

= ^mhkh~kl ~mq}weceel amqj}ld}lf jm~eie èlffelelèlffelel {elf~mlyklf

2 ^mld}e` {elf ymqèykc wmgeqe ymjlkw hmlf}ld}lfk ~eqe jolw}hmlkli}wyqk }ly}j hmhamqkjel lewmcey iel aely}el

Eie~}l jm}ly}lfel ieèh hmèjwelejel ~mqwole` wm``klf eieèc

wmaefek amqkj}y 4

5 @makc h}iec ikwmw}ekjel ieèh geqe hmld}e`l{e imlfel jmklfklel

jolw}hml {elf ikjmyec}k ieqk qmejwk jolw}hml ymqceie~ aeqelf {elf

ik~qohowkjel

1 Vkqelkefe ie~ey èlfw}lf hmlfeiejel ~mld}eèl ~eie weey ymqdeik

jolyej imlfel geòl ~mham`k

7 Ie~ey hmhamqkjel deveael eyew ~mqyel{eel geòl ~mham`k iel

hmhamqkjel ~mldmèwel eyew jmamqeyel(jmamqeyell{e wmqye imlfel

jmec`kell{e ie~ey hmha}y geòl ~mham`k {elf wmh}è ykiej ymqyeqkj

ejel hmham`k aeqelf ymqwma}y

9 Ie~ey hmhaely} geòl ~mham`k ieèh hmhamqkjel ~my}ld}j/lewkcey

hmlfmlek aeqelf {elf ejel ikam`k

1,=,7, ^qohowk ^mld}eèl

^qohowk ~mld}eèl eieèc klwmlykb delfje ~mlimj {elf ikyeveqjel

jm~eie ~mèlffel iel ~mqelyeqe }ly}j hmqelfwelf ~mham`kel ~qoi}j

#@ormògj " Vqkfcy, 1>>=+ Imlfel jmfkeyel ~qohowk ~mld}eèl

ikceqe~jel ie~ey hmh~mqgm~ey jm~}y}wel ~mham`kel iel hmhoykrewk

~mèlffel hmlff}lejel dewe ymqymly} `makc gm~ey, ieèh ro`}hm {elf

`makc amweq ~eie wmyke~ ~mham`kel, eye} `makc wmqklfEjkaey ieqk ael{ejl{e hmqmj(hmqmj aeq} {elf hmhew}jk ~eweq,

heje jmfkeyel ~qohowk ~mld}eèl wmhejkl ikqewejel ~mlyklf jeqmle eèy

klk ael{ej ikf}lejel }ly}j hmhakle ~mld}eèl hmqj(hmqj aeq}

5;


32/134

Eie~}l y}d}el ikf}lejel ~qohowk ~mld}eèl aefk ~mq}weceel

eieèc wmaefek amqkj}y 4

5 Hmleqkj ~mham`k aeq}1 Hmhamqk ceikec/~mlfceqfeel jm~eie jolw}hml(jolw}hml/ elffelel

èhe

7 Hmlklfjeyjel ie{e am`k }èlf ieqk jolw}hml èhe9 Hmlfcklieqjel jolw}hml èqk jm hmqmj èkl= Hmh~o~}`mqjel hmqmj/hmlklfjeyjel o{e`kyew

1,=,9, ^}a`kwkyew iel C}a}lfel Hew{eqejey

^}a`kwkyew hmq}~ejel weèc wey} eèy ~qohowk {elf g}j}~ ~oymlwke`

iel hmlf}ly}lfjel ieèh hmlfjoh}lkjewkjel ~qoi}j aeqelf eye} dewe

^}a`kwkyew hmh~}l{ek jmweheel imlfel kjèl, ikhele jmi}e eèy

~qohowk klk wehewehe hmlffehaeqjel joh}lkjewk hewwe Ye~k {elfhmhamiejel jmi}e eèy ~qohowk klk {eky} ~eie ~}a`kwkyew ykiej

hmlfm`}eqjel ake{e }ly}j hmèj}jel jmfkeyell{e Ce` klk ymly}l{e

welfey hmlf}ly}lfjel aefk ~mq}weceel jeqmle ~mq}weceel wmgeqe

oyoheykw ymq~qohowkjel imlfel g}he(g}he ^}a`kwkyew ie~ey ikh}ey

ieèh hmike wmgeqe fqeykw jeqmle ~mqvejkèl ieqk hmike hmlfelffe~

klboqhewk ymqwma}y ~mlyklf iel è{ej }ly}j ikweh~ekjel ~eie jceè{ej

qehek Golyoc ieqk ~}a`kwkyew ie~ey amq}~e mikyoqke` {elf ikyeh~k`jel

~eie hmike hewwe hmlfmlek ~qoi}j aeqelf eye}~}l dewe ieqk ~mq}weceel

C}a}lfel hew{eqejey hmq}~ejel hmikeyoq {elf amqeie elyeqe

~mq}weceel imlfel ~}a`kjl{e, aekj ieèh }~e{e hmhakle c}a}lfel

hew{eqejey klymqle` he}~}l mjwymqle` Amly}j jmfkeyel joh}lkjewk i}eeqec hmq}~ejel gkqk jcew ieqk b}lfwk iel ~mqelel c}a}lfel hew{eqejey

C}a}lfel hew{eqejey ~eie wma}ec ~mq}weceel ~eie }h}hl{e

ikèjwelejel o`mc ~kcej c}hew ~mq}weceel imlfel amly}j jmfkeyel

1>


33/134

Wmgeqe feqkw amweq ejykrkyew c}a}lfel hew{eqejey ieèh

~mq}weceel amq~mqel wmaefek 4

5 Gohh}lkgeyoq

Eqykl{e jmheh~}el wmaefek joh}lkjeyoq aekj wmgeqe èlfw}lf

he}~}l ykiej èlfw}lf, hmè`}k hmike gmyej ey}~}l m`mjyqolkj iel

`kwel #w~ojm ~mqwol+ eye} yeye~ h}je d}fe wmaefekl{e Ikweh~klf ky}

d}fe amqykliej wmaefek hmikeyoq iel wmje`kf}w ~mqw}eioq

1 Qmèykolwck~

Jmheh~}el ~mqel c}hew }ly}j hmhaelf}l c}a}lfel {elf

~owkykb elyeqe `mhaefe {elf ikvejk`kl{e imlfel ~}a`kj klymqle` iel

mjwymqle` D}fe, amq}~e{e hmlgk~yejel we`klf ~mlfmqykel, jm~mqge{eel,

i}j}lfel, jmqdewehe, iel yo`mqelwk elyeqe ~mq}weceel iel ~}a`kj

7 Fooi Khefm Hejmq

C}a}lfel hew{eqejey amq~mqel }ly}j hmhaelf}l kimlykyew

iel gkyqe ~mq}weceel Imlfel c}a}lfel hew{eqejey heje ~mq}weceel

ie~ey hmlgk~yejel kimlykyew iel gkyqe {elf ~owkykb ikheye ~}a`kj

^mq`} ik~mqceykjel aecve ie{e yeqkj ~}a`kwkyew iel c}a}lfel

hew{eqejey ikieweqjel ~eie ykfe wkbey jc}w}w, {eky} #5+ jqmikak`kyew {elf

yklffk, #1+ jmheh~}el hmlelfje~ ~mham`k {elf ykiej ikakikj

wmam`}hl{e, iel #7+ jmheh~}el }ly}j hmliqeheykwewk w}ey} ~mq}weceel

eye} ~qoi}j

1,9,=, ^mheweqel @elfw}lf

@ormògj " Vqkfcy #1>>=+ hmlimbklkwkjel ~mheweqel èlfw}lf

wmaefek joh}lkjewk wey} eqec ieqk w}ey} ~mq}weceel jm~eie wmd}hèc~mèlffel weweqel hmè`}k w}qey, ym`m~ol, bejw, eye} m(hek` ^mheweqel

èlfw}lf, {elf hmlgej}~ w}qey èlfw}lf he}~}l ym`mheqjmyklf

#~mheweqel hmè`}k ym`m~ol+, iel eèy joh}wkjewk lol~mqwole` èkll{e

15


34/134

1,2, ^mqmlgeleel ^qohowk

Mlfm` my e` ieèh [elyk #1>>9+ hmlfmh}jejel aecve ieèh

~mqmlgeleel ~qohowk hmlgej}~ wmqelfjekel èlfjec hmlieweq wmaefek amqkj}y 4

5 Hmlmye~jel y}d}el ~qohowk

1 Hmlmly}jel yeqfmy e}ikmlw

7 Hmlfmhaelfjel geqe {elf ejel ikymh~}c }ly}j hmlimjeyk e}ikmlw

9 Hml{}w}l boqh}èwk wyqeymfk ~qohowk }ly}j hmlge~ek y}d}el

= Hmlmly}jel eòjewk iele ~qohowk ~eie hewklfhewklf reqkeam` ~qohowk

{elf ikf}lejel

2 Hmlfmre`}ewk mbmjykbkyew jmfkeyel ~qohowk iel hmèj}jel ~ml{mw}ekel

y}d}el iel wyqeymfk akè ikelffe~ ~mq`}

1,2,5, ^mlmye~el Y}d}el ^qohowk

Wmaefekhele y}d}el ~mq}weceel, y}d}el ~qohowk d}fe ceq}w ie~eyiko~mqewkole`jel Y}d}el ~qohowk {elf aekj wmceq}wl{e heh~}

hml}ld}jel c}a}lfel ymqceie~ yklfjey ~mld}eèl èlfw}lf Eie~}l

wmgeqe }h}h y}d}el ieqk jmfkeyel ~qohowk eieèc wmaefek amqkj}y4

5 Hmhamqkyec}jel ~eweq ymlyelf w}ey} ~qoi}j aeq} eye}~}l klboqhewk

yehaecel amqjmleel imlfel ~qoi}j

1 Hmlgk~yejel jmweieqel ~eie w}ey} hmqmj ik amlej jolw}hml #aqeli

eveqmlmww+

7 Hmlfmhaelfjel eye} hmlf}aec gkyqe eye} ~mqwole`kyew hmqmj eye}

~mq}weceel

9 Hmlfeqecjel jolw}hml }ly}j hmham`k ~qoi}jl{e iel

hmh~mqyeceljel heqjmy ~ovmq~mq}weceel= Hm{ejkljel jolw}hml aeve ~qoi}j hmqmje amleqamleq amqamie eye}

aecjel `makc aekj ikaeliklfjel ~qoi}j ~mweklf

2 Hmlfmhaelfjel wkje~ ~owkykb geòl jolw}hml {elf ikceqe~jel ie~ey

11


35/134

1,2,1, Kimlykbkjewk E}ikmlw Weweqel

Elfk~oqe #1>>1+ hmldmèwjel aecve ce` ~mlyklf {elf ceq}w

ikèj}jel o`mc ~mq}weceel wmc}a}lfel imlfel jmfkeyel ~qohowk {elf

ejel ikèjwelejel {eky} hmlfkimlykbkjewk weweqel {elf dmèw E}ikmlw

weweqel h}lfjkl ymqikqk ieqk ~mham`k ~oymlwke` ~qoi}j ~mq}weceel weey

klk, ~mhejek wmjeqelf, ~mlfehakèl jm~}y}wel eye} ~mhamqk ~mlfeq}c

E}ikmlw ie~ey amq}~e klikrki}, jmòh~oj, hew{eqejey ymqymly}, eye}~}l

hew{eqejey }h}h

Jmamqeieel e}ikmlw weweqel ejel hmh~mlfeq}ck jm~}y}wel

~mq}weceel hmlfmlek e~e {elf cmliej ikjeyejel, aefekhele geqe

hmlf}ge~jell{e imlfel hmh~mqceykjel ~mqkèj} ~mham`kel ieqk

jolw}hml Ikweh~klf ky}, ~mq}weceel ~mq`} hmlfmyec}k wmgeqe dmèw ik

hele e}ikmlw jklk amqeie, iel ~eie jmeieel {elf aefekhele ika}y}cjel

}ly}j ikfmqejjel

1,2,7, ^mlimjeyel Wyqeymfk ^qohowk

Ae}qel ~qohowk welfey ik~mlfeq}ck o`mc ~mhk`kcel wyqeymfk

~qohowk {elf ikymqe~jel ~mq}weceel I}e ~mlimjeyel wyqeymfk {elf ie~ey

ikymqe~jel {eky} ~}wc wyqeymf{ iel ~}`` wyqeymf{ ^mlimjeyel ~}wc

wyqeymf{ iky}d}jel jm~eie ~kcej~kcej {elf ymq`kaey ieèh we`}qel

ikwyqka}wk #wm~mqyk efml, qmyek`mq, iel vco`mwm``mq+ Wyqeymfk klk amqf}le

}ly}j hmlgej}~ ~qoi}wml {elf hmlff}lejel ymlefe ~mld}e` iel

~qohowk iefelf }ly}j hmha}d}j ~mqelyeqe w}~e{e hmlfehak`,

hmh~qohowkjel iel hmld}e` ~qoi}j jm~eie ~mhejek ejckq Wmielfjel

~mlimjeyel~}`` wyqeymf{

hmlgej}~ ~qoi}wml hmlff}lejel kjèl iel~qohowk jolw}hml f}le hmlioqolf hmlioqolf ~mhejek ejckq }ly}j

hmhklye ~qoi}j ymqwma}y jm~eie ~mqelyeqe iel imhkjkel hmlioqolf

~mqelyeqe hmhmwel ~qoi}j ky} ieqk ~qoi}wml

17


36/134

Wyqeymfk hmike ik~mq`}jel }ly}j hmlymqdmhecjel y}d}el hmike jm

ieèh ~eli}el }h}h {elf hmlfolyqo` ~qowmw wm`mjwk ~mqmlgele iel

jmfkeyel hmike Yece~ wyqeymfk hmike {elf ~e`klf ~mlyklf eieèc

hmlmly}jel jeymfoqk hmike êie yece~ klk weèc wey} {elf hmldeik

~mqykhaelfel eieèc jeqejymqkwykj hmike

Yeam` 1 Jeqejymqkykj Hmike

Hmik}h Jm}lff}èl Jm`mhecel

Joqel

Jmgm~eyel vejy}: `k~}yel

~eweq òje`: ikymqkhe wmgeqe

`}ew: yklfjey jm~mqge{eel

yklffk: b`mjwkak`kyew

Hewe mieq ~mlimj: j}e`kyew

qm~qoi}jwk dm`mj:

~mhkliec(yelfelel

jceè{ej jmgk`

Ym`mrkwk

@k~}yel ~eweq hewwe` aef}w:

ake{e ~mq ~e~eqel qmliec:

hmlffea}lfjel~mlf`kceyel,

w}eqe, iel fmqejel: hmleqkj

~elge klimqe

Ake{e eaowo`}y amweq:

jmwmhqev}yel yklffk:

~e~eqel amqèlfw}lf gm~ey:

wm`mjykrkyew jceè{ej

q}elf

W}qey

èlfw}lf

Wm`mjykrkyew jceè{ej yklffk:b`mjwkam`: ykiej eie

~mqweklfel kjèl ~eie

hmik}h {elf wehe:

hmh}lfjkljel~mqwole`kwewk

Ake{e ~mq ~e~eqel qmèykbyklffk: gkyqe w}qey weh~ec

Qeiko

^mlmqkheel òje` aef}w:

wm`mjykrkyew fmofqebkw iel

imhofqebkw yklffk: ake{e

qmliec

Cel{e e}iko: jmymq~e~eql

gm~ey amqè`}: ~mqceykel

qmliec #hmik}h wmymlfec

hmlimlfeq+: jceè{ejymqbqefhmlyewk

Hedeèc

Wm`mjykrkyew fmofqebkw iel

imhofqebk {elf yklffk:

jqmikak`kyew iel ~qmwykwm:

j}e`kyew qm~qoi}jwk yklffk:

hewe mieq èhe iel yklfjey

jmymqaegeel aef}w

Vejy} jmymqyklffeèl

~mham`kel kjèl ejel

deqelf: ake{e hece`: ykiej

eie dehklel ~owkwk

Hmike

@}eq

Q}elf

B`mjwkak`kyew: jmymq~e~eqel{elf amq}èlf yklffk: ake{e

qmliec ~mwel ~eweq qmliec:

wm`mjykrkyew ~owkwk yklffk

Wm`mjykrkyew jceè{ejqmliec: jm`mhecel jqmeykb

KlymqlmyWm`mjykrkyew yklffk: ake{e

qmliec: jmgm~eyel vejy}:

Jceè{ej ymq~kwec wmgeqe

imhofqebk jmgk`: ieh~ej

19


37/134

Imlfel jm`makcel iel jmj}qelfel ieqk hewklfhewklf hmike

heje hmh}lg}`jel w}ey} }wece }ly}j hmhelbeeyjel `makc ieqk wey}

hmike, {elf ikwma}y imlfel hmike hks Hmike hks hmq}d}j ~eie

~mlff}leel i}e eye} `makc amly}j hmike {elf amqamie ieèh wma}ec

qmlgele ~mqkjèlel #I}qkelyo my e`, 1>>7+ Ieweq }yehe ieqk

~mlffea}lfel i}e hmike eye} `makc eieèc }ly}j hmlklfjeyjel

delfje}el yoye` Hmike wmj}limq ie~ey hml{mikejel yehaecel

jmwmh~eyel ~e~eqel klboqhewk hm`makck hmike {elf ~mqyehe

1,2,9, Hmyoim ^mlfelffeqel ^qohowk

Elffeqel ~qohowk hml}ld}jel yklfjey jmheh~}el ~mq}weceel

}ly}j ie~ey hmhake{ek jmfkeyel ~qohowk Joy`mq #1>>9+ hmlfmh}jejel

aecve ~mlfm`}eqel ~qohowk amqeie ~eie qewko ymqyklffk ymqceie~

~mld}eèl jeqmle ik~mq`}jel }ly}j #5+ hmhamqk klboqhewk jm~eie ~mham`k~oymlwke`, #1+ hmha}d}j oqelf }ly}j hmham`k ~qoi}j ky}, iel #7+

hmlie~eyjel ikwyqka}wk ik yojoyojo mgmqel

^mlmye~el elffeqel ~qohowk ik~mq`}jel, efeq y}d}el ~qohowk

ie~ey ikge~ek Amamqe~e ymjlkj {elf ie~ey ik~mqf}lejel }ly}j

hmlmly}jel elffeqel ~qohowk ejel ik}qekjel wmaefek amqkj}y #Joy`mq,

1>>>+ 4

e Hmyoim Y}d}el iel Y}few #Oadmgykrm(Yewj Hmycoi+^mlff}leel hmyoim klk hmhmq`}jel wmqelfjekel èlfjec {eky} 4

~mlmly}el y}d}el ~qohowk, hmlmly}jel wyqeymfk, hmlmly}jel d}hèc

~mlfm`}eqel {elf ika}y}cjel ieèh kh~`mhmlyewk wyqeymfk ]ly}j

hmèj}jel d}wykbkjewk eyew elffeqel {elf ikymye~jel, heledmq

~mheweqel ceq}w hmlff}lejel ew}hwk ymqymly} {elf heh~}

hmldmèwjel ymlyelf y}d}el iel hmlfe~e ce` ky} ikèj}jel Wckh~

#5;;;+ hmldmèwjel aecve ~eie hmyoim klk ~eqe ~mha}ey jm~}y}wel

1=


38/134

a Hmyoim ^mqwmlyewm ^mld}eèl #^mqgmlyefm ob We`mw+

Hmyoim klk welfey wmimqcele iel h}iec ikèj}jel,imlfel

hmlff}lejel hmyoim klk heje ~mlfm`}eqel }ly}j ~qohowk ie~ey

ik~mqjkqejel wmam`}hl{e Hmyoim klk hmlioqolf heledmhml }ly}j

hmh~mqceykjel c}a}lfel elyeqe ake{e ~qohowk, ceqfe d}e` iel èae

~mq }lky

g Hmyoim Jmwmkhaelfel ^mqweklfel #Goh~mykykrm êqky{+

Hmyoim klk ikèj}jel imlfel geqe hmlmly}jel elffeqel ~qohowk ieqk

~mqwmlyewm ~mld}eèl i}e eye} ykfe ~mq}weceel ~mweklf, imlfel

hmh~mqceykjel jmwmkhaelfel ~mqweklfel ie~ey hmlgmfec ~mqelf

~qohowk

i Hmyoim Wmw}ek Jmheh~}el #Eqakyqeq{+

Ieweq {elf ikf}lejel }ly}j hmlmly}jel elffeqel ~qohowk eieèc

~eie jmheh~}el ~mq}weceel }ly}j hml{mikejel iele Jmym~eyel

ieèh d}wykbkjewk {elf ikèj}jel heledmq ejel welfey hmlmly}jel

jmamqcewkèl ~qohowk ~qoi}j ~mq}weceel Hml}q}y Wckh~ #5;;;+ ~eie

hmyoim klk, iele {elf ikelffeqjel eieèc iele {elf ymqwkwe wmymèc

elffeqel {elf ikjm`}eqjel Hmyoim klk wmqklf ikf}lejel o`mc

~mq}weceel jmgk`, {elf gmlimq}lf wmaefek ~mlfkj}y ~eweq ieèh

~mqweklfel kli}wyqk

1,2,=, Mre`}ewk Mbmjykrkyew ^qohowk

Ymqjeky imlfel amweql{e ake{e }ly}j jmfkeyel ~qohowk, heje

~mq`} ~mlfjedkel ejel mbmjykrkyew ieqk amqaefek amly}j jmfkeyel ~qohowk

{elf ymèc ikèjwelejel ~mq}weceel Mre`}ewk ejel mbmjykrkyew klk hmldeik

welfey ~mlyklf f}le hmldeik aecel ~mqykhaelfel }ly}j ~mqaekjel

jmfkeyel ~qohowk {elf ejel ikèj}jel o`mc ~mq}weceel jmim~el Wmgeqe

}h}h, ikjmle` ykfe jqkymqke {elf ie~ey ikf}lejel }ly}j hmlf}j}q

12


39/134

1,6, BejyoqBejyoq {elf Hmh~mlfeq}ck Jm~}y}wel Ae}qel ^qohowk

Ymqie~ey amamqe~e bejyoq {elf hmh~mlfeq}ck wyqeymfk ae}qel ~qohowk

{elf ejel ikèj}jel o`mc ~mq}weceel {eky} 4

5 Iele {elf ymqwmike

Amweql{e iele eye} elffeqel {elf ymqwmike }ly}j jm~mq`}el ~qohowk

hmq}~ejel bejyoq ~mlmly} ieèh ~ml{}w}lel wyqeymfk ~qohowk Wmhejkl

amweq iele {elf ymqwmike, wmhejkl h}iec ~kcej heledmhml ieèh

hmh}y}wjel amly}j ~qohowk {elf ym~ey

Akwlkw {elf hmhk`kjk iele {elf ael{ej ymly} hmhk`kjk jmheh~}el

`makc amweq ieèh hmlfjohaklewkjel m`mhmlm`mhml ~qohowk Wmae`kjl{e

akwlkw {elf `mhec jm}elfell{e wmikjky wmje`k hmlff}lejel eirmqykwklf iel

~qohowk {elf mbmjykb

1 Jeqejymqkwykj ~qoi}j

Wyqeymfk ~qohowk {elf ikèj}jel ejel amqamie }ly}j aeqelf {elf

amqamie ^qohowk eye} aeqelf jolw}hwk ejel `makc ael{ej hmlff}lejel

iele ~qohowkl{e }ly}j ~mqkjèlel jmh}ikel ~qohowk ~mld}eèl, ~mld}eèl

~qkaeik iel jmh}ikel ~}a`kwkyew Aeqelf kli}wyqk ejel `makc ael{ej

hmlff}lejel ielel{e }ly}j ~mld}eèl ~qkaeik jmh}ikel ~qohowk ~mld}eèl,

~mqkjèlel iel ~}a`kwkwyew7 Jeqejymqkwykj ~eweq

Wkbey ~eweq ejel hmh~mlfeq}ck ae}qel ~qohowk Jeqejymqkwykj ~eweq

ie~ey ik`kcey ieèh 7 ce` {eky} #5+ `}ew fmofqebkw ~eweqel, ~mqkjèlel hmldeik

~k`kcel ieèh ~eweq {elf `}ew: #1+ jolwmlyqewk ~eweq, wmhejkl wmikjky geòl

~mham`k heje ~mld}eèl ~qkaeik `makc mbmjykb ikaeliklfjel imlfel

~mqkjèlel: #7+ d}hèc dmlkw ~mham`k ~oymlwke`, wyqeymfk ~qohowk ejel

ikèj}jel amqamie }ly}j ~eweq {elf amqamie }ly}j ~eweq imlfel wmikjky dmlkw

~mham`k imlfel ~eweq {elf hmhk`kjk ael{ej dmlkw ~mham`k

9 ^mheweq

16


40/134

2 ^mweklf

Hmlfjedk ~mqweklfel eieèc aefkel hmlieweq ieqk y}few ~qohowk,

hmwjk~}l imhkjkel ael{ej oqelf ykiej hmhkjkqjel wmgeqe wmqk}w hmlfmlek

wkbey ~mqweklfel ^mq}weceel ie~ey hmh~mqykhaelfjel wyqeymfk ~qohowk {elf

ejel ikdeèljel amqieweqjel ejykrkyew ~qohowk {elf ikdeèljel ~mweklf, eye}

ie~ey ~}è hml{mw}ekjel imlfel yklfjey ~mqweklfel {elf eie ieèh kli}wyqk

6 Yece~ ieèh ie}q cki}~ ~qoi}j

Ieh~ej ieqk eèy(eèy ~qohowk amqamie(amie hmlfkj}yk

~mqjmhaelfel yece~ wkj`}w cki}~ ~qoi}j ymqwma}y êie yece~ ~mqjmleèl,

~mqkjèlel iel ~}a`kwkyew ikf}lejel }ly}j hmlikikj, hmlfeqecjel

jolw}hml ~eie ~qoi}j aeq}, e~e kwykhmvel{e ~qoi}j ymqwma}y, jmle~e

~qoi}j ~mlyklf ikam`k iel wmaefekl{e wmcklffe ejel hmlkha}`jel jmweieqel

{elf yklffk ieqk jolw}hml ejel ~qoi}j ymqwma}y Ikwklk ~mlyklf ~mqwole`

wm``klf, d}fe ~ehmqel iel wcov êie yece~ ~mqy}ha}cel, ~mqkjèlel iel

~}a`kwkyew hewkc ymye~ amq~mlfeq}c j}ey, wmielfjel ~qohowk ~mld}eèl ie~ey

ikj}qelfk jeqmle cel{e wmikjky klwmlykb ik~mq`}jel ~eie yece~ klk êie yece~

klk jmfkeyel ~qohowk ikeqecjel }ly}j hmhelye~jel jm~mqge{eel hew{eqejey

êie yece~ jmimveweel ~qohowk ~mld}eèl jmhae`k hmldeik ~mlyklf iel

~mqkjèlel ik~mq`}jel wmaefek qmhklimq ^mqkjèlel ikymjeljel ~eiejm}lff}èl ~qoi}j, efeq jolw}hml ykiej hmlfeqec ~eie img`klmYece~

jmimveweel {elf ikyeliek imlfel ~mqweklfel {elf welfey yedeh heje

hmlfceq}wjel ~mq}weceel hml{mikejel iele {elf `makc amweq }ly}j

hmhake{ek jmfkeyel ~qohowk êie yece~ jmh}li}qel wky}ewk ~eweq w}iec

`mw}, ~mld}eèl iel èae hmlfeèhk jmh}li}qel aecjel hmlimqkye jmq}fkel

]wece ~qohowk ceq}w ikj}qelfk ael{ej jmg}e`k dkje ~mq}weceel cmliej

hmlfcki}~jel jmhae`k ~qoi}j ky} iel ~mq}weceel ceq}w w}iec hmheweqjel

aeqelf aeq} }ly}j hmlffelykjel aeqelf èhe

3 Ae}qel ~mheweqel èkll{e

13


41/134

1,3, Hoim` EC^ #Ele`{ykge` Ckmqeqgc{ ^qogmww+

Ele`ky{ge` Ckmqeqgc{ ^qogmww #EC^+ eieèc w}ey} hmyoim ~mlfehakèl

jm~}y}wel {elf wmimqcele iel b`mjwkam`, {elf hmleh~}lf jqmeykrkyew ieèh

qelgelfell{e ymqceie~ w}ey} heweèc Hoim` EC^ ~mqyehe je`k ikjmhaelfjel

o`mc Ycohew @ Weey{, ec`k heymheykje ieqk ]lkrmqwky{ ob ^kywa}qfc, Ehmqkje

Wmqkjey ~eie eve` yec}l 5;6>(el Ele`kwkw EC^ iky}d}jel }ly}j hmha}ey

hoim` ~mqheweècel {elf ykiej ymqwyq}jy}q iel akewel{e ikymqe~jel }ly}j

hmhmgecjel heweècheweèc ymq}j}q he}~}l heweècheweèc {elf

hmhmq`}jel ~mlie~ey #d}ifmhmly+

EC^ hmhew}jel ew~mj j}e`kyeykb iel j}elykyeykb ~kjkqel hel}wke

#Weey{,5;;7+ Ew~mj j}e`kyeykb hmlimbklkwkjel ~mqwoeèl iel ckqeqjkl{e iel

ew~mj j}elykyeykb hmlfmjw~qmwkjel ~mlkèkel iel ~qmbmqmlwk wmgeqe qklfjew iel

~eiey ^qowmw ky} wmlikqk ikqelgelf }ly}j hmlfklymfqewkjel ivk wkbey klk ^qowmw

klk imlfel dmèw hml}ld}jel aecve imhk ~mlfehakèl jm~}y}wel {elf wmcey

ieèh wky}ewk {elf joh~`mjw, wmcklffe ik~mq`}jel hmlmye~jel ~qkoqkyew iel

hmèj}jel ~mqykhaelfel

êie ~mlmqe~el hmyoim EC^ {elf ik}yehejel eieèc j}e`kyew ieye ieqk

qmw~oliml, iel ykiej ymqfely}lf ~eie j}elykyewl{e #Weey{, 5;;7+ O`mc jeqmle

ky}, ~mlkèkel EC^ hmhmq`}jel ~eqe ~ejeq wmaefek qmw~oliml ieèh~mlfehakèl jm~}y}wel ieèh ~mhk`kcel e`ymqleykb êqe ~ejeq ikwklk hmq}~ejel

oqelfoqelf joh~myml {elf amleqamleq hmlf}ewek, hmh~mlfeq}ck

~mlfehakèl jmakdejel eye} amleqamleq hmlfmyec}k klboqhewk {elf

ika}y}cjel ]ly}j d}hèc qmw~oliml ieèh hmyoim EC^ ykiej hmhk`kjk

~mq}h}wel ymqymly}, leh}l cel{e eie aeyew hklkh}h {eky} i}e oqelf

qmw~oliml

EC^ ymèc ael{ej ikf}lejel o`mc ~eqe ~mlfehak` jm~}y}wel }ly}j

hmhaely} hmhmgecjel heweèc {elf joh~`mjw Hml}q}y Weey{ #5;;7+ EC^

ie~ey ikf}lejel }ly}j ~mlfehak el jm~}y}wel wm~mqyk 4 hmlmye~jel ~qkoqkyew

1;


42/134

1,3,5, ^qklwk~ Jmqde EC^

Ieèh hmyoim EC^ ymqie~ey ykfe ~qklwk~ ieèh hmhmgecjel

heweèc, {eky} 4

5 Hml{}w}l ckqeqjk

Ckqeqjk hmq}~ejel eèy hmlieweq ieqk ~kjkqel hel}wke {elf

hm`kaeyjel ~mlfkimlykbkjewkel m`mhmlm`mhml w}ey} ~mqwoeèl,

hmlfmòh~ojel m`mhmlm`mhml ky} jmieèh amamqe~e j}h~}èl {elf

cohofml, iel hmleye j}h~}èlj}h~}èl klk ~eie yklfjey {elfamqamie êie ~qklwk~ klk ~mq}weceel amq}wece }ly}j hmlffehaeqjel

eye} hmlf}qekjel ~mqheweècel eye} qme`kye wmgeqe ckqeqjk ]ly}j

hmhmgecjel ~mqheweècel {elf joh~`mjw heje wmam`}hl{e

~mqheweècel ymq`makc iec}`} ikimbklkwkjel @e`} ikèj}jel ~mhmgecel

~mqwoeèl {elf }y}c hmldeik }lw}q}lw}ql{e, aecjel weh~ek ykiej

h}lfjkl ikèj}jel ~mhmgecel `makc èld}y, wmcklffe ikie~eyjel

amamqe~e yklfjeyel ieqk ~mqwoeèl ymqwma}y Jeqmle eèwel klk heje

~qowmw ele`kwkw iklehejel ckqeqjk Wmgeqe }h}h m`mhml {elf

ikf}lejel ~eie ckqeqjk eieèc bog}w, boqgmw, egyoqw, oadmgkykrmw, iel

wgmleqko

1 Hmlmye~jel ^qkoqkyew^qklwk~ klk hmha}ey ~mlkèkel ymlyelf jm~mlyklfel qmèykb i}e

m`mhml ~eie w}ey} yklfjey ymqymly} ieèh jekyell{e imlfel yklfjey

ikeyewl{e ^mlkèkel klk hmq}~ejel klyk ieqk EC^, jeqmle ke ejel

amq~mlfeq}c ymqceie~ ~qkoqkyew m`mhmlm`mhml Cewk` ieqk ~mlkèkel klk

ejel ikwedkjel ieèh amly}j heyqkjw êkqvkwm Goh~eqkwol

7 Jolwkwymlwk @ofkw

Jolwkwymlwk hmhk`kjk i}e hejle ^mqyehe eieèc oadmjoadmj

{elf wmq}~e ie~ey ikjmòh~ojel wmw}ek imlfel jmwmqefehel iel

qm`mrelwk Eqyk jmi}e hml{elfj}y ~eie yklfjey c}a}lfel elyeqe

7>


43/134

1,3,1, @elfjec@elfjec ^mlff}leel EC^

Weey{ #5;;7+ hmldmèwjel ymqie~ey amamqe~e èlfjec ieèh

~mlff}leel hmyoim EC^ wmaefek w}ey} eèy }ly}j hmhmgecjel

~mqwoeèl Eie~}l èlfjecèlfjec {elf ikhejw}i {eky} 4

5 Hmlimbklkwkjel ~mqwoeèl iel hmqklgk ~mhmgecel {elf ikkklfkljel

Ce` ~mqyehe {elf ceq}w ikèj}jel {eky} hmlfkimlykbkjewk ~mqwoeèl

imlfel hmèj}jel ele`kwe eye} ~mhecehel {elf hmlieèh ymqceie~

~mqwoeèl {elf ikceie~k iel klfkl ik~mgecjel Wmymèc ky} ie~eyikèj}jel ~mlfkimlykbkjewkel iel ~mhk`kcel m`mhmlm`mhml {elf ejel

hew}j joh~olml wkwymh, wm~mqyk bog}w, boqgmw, egyoqw, oadmgkykrmw,

iel wgmleqko ieèh wyq}jy}q EC^ lelykl{e Ieèh EC^ wmlikqk ykiej

ymqie~ey ~qowmi}q {elf ~ewyk }ly}j hmlfkimlykbkjewk joh~olml

joh~olml wkwymh Joh~olmljoh~olml wkwymh ie~ey

ikkimlykbkjewkjel amqieweqjel jmheh~}el ~eie ele`kwe }ly}j

hmlmh}jel }lw}q}lw}q {elf ie~ey ik`kaeyjel ieèh w}ey} wkwymh

1 Hmha}ey wyq}jy}q ckqeqjk ieqk w}i}y ~elielf heledmqke` wmgeqe

hml{m`}q}c

Ckqeqjk hmq}~ejel w}ey} eawyqejwk wyq}jy}q w}ey} wkwymh {elf

hmh~mèdeqk b}lfwk klymqejwk elyeq joh~olml iel ieh~ejl{e ymqceie~wkwymh Eawyqejwk klk hmh~}l{ek amly}j {elf we`klf amqjekyel

Wyq}jy}q ckqeqjk ikw}w}l amqieweqjel dmlkw jm~}y}wel {elf ejel

ikehak` amqieweqjel w}i}y ~elielf ieqk yklfjey ~}lgej weh~ek jm

yklfjey ikhele ikh}lfjkljel geh~}q yelfel }ly}j hmhmgecjel

~mqwoeèl ymqwma}y Ckqeqjk {elf ie~ey ymqamly}j ieèh hmyoim EC^

wmlikqk ie~ey amq}~e ckqejk `mlfje~ iel ckqeqjk yej `mlfje~ Ieèh

wyq}jy}q ckqeqjk `mlfje~, wmh}e m`mhml ~eie wey} m`mhml ~eie wey}

yklfjey hmhk`kjk c}a}lfel imlfel wmh}e m`mhml {elf eie ~eie

yklfjey amqkj}yl{e Dkje ykiej imhkjkel ckqeqjk {elf ymqamly}j eieèc

75


44/134

Fehaeq 5 Wyq}jy}q Ckqeqjk @mlfje~

W}hamq 4 H}`{olo ieèh [elyk, 1>>9

7 Hml{}w}l heyqkjw aeliklf amq~ewelfel

Heyqkjw ~mqaeliklfel amq~ewelfel klk amqb}lfwk }ly}j hmlfmyec}k

jolyqka}wk iel ~mlfeq}c wmyke~ m`mhml {elf qm`mrel eyew wmyke~ jqkymqke

{elf amq~mlfeq}c {elf amqeie wmyklfjey ikeyewl{e êie heyqkjw klk,

~ewelfel~ewelfel m`mhml ikaeliklfjel amqjmleel w}ey} jqkymqke ik

yklfjey {elf `makc yklffk Ieèh hmhaeliklfjel i}e m`mhml,

akewel{e hmhamqk w}ey} ~mqykhaelfel {elf hml}ld}jel iohklewk

wmaefek akèlfel a}èy Heyqkjw klk hmhk`kjk wey} ymh~ey }ly}j

hmhew}jjel akèlfel ky} iel wey} ymh~ey èkl }ly}j hmhew}jel lkèk

qmwk~qoje`l{e

9 Hmlie~eyjel wmh}e ~mqykhaelfel {elf ik~mq`}jel }ly}j

hmlfmhaelfjel ~mqelfjey heyqkjw ikèlfjec 7

Wmymèc heyqkjw ~mhaeliklf amq~ewelfel elyeq m`mhml ika}ey,

ikèj}jel ~mhaeliklfel amq~ewelfel elyeq wmyke~ m`mhml ~eie joòh

jm(k imlfel wmyke~ m`mhml ~eie aeqkw jm(d ^mhaeliklfel amq~ewelfel

elyeq m`mhml ymqwma}y ikèj}jel imlfel ~mqyel{eel wmamqe~e j}ey

B

B5 B1 B7 B9

J5 J1 J7 J9 Jl

J55 J51 J57 J59 Jl5

Boj}w

Bejyoq

Bejyoq

E`ymq

leykb

71


45/134

h}lfjkl w}ey} m`mhml aeqkw jm(k ikaeliklfjel imlfel m`mhml

ik~}lgej ckqeqjk ? ]ly}j hmlfkwk heyqkjw aeliklf amq~ewelfel,

ikf}lejel wjeè aeliklf {elf ymqymqe ~eie yeam` 2 Elfjeelfje {elf

ymqymqe hmlffehaeqjel qmèykb ~mlyklfl{e w}ey} m`mhml ikaeliklfjel

imlfel m`mhml èkll{e wmc}a}lfel imlfel wkbey jqkymqke ymqymly}

^mlfkwkel heyqkjw cel{e ikèj}jel }ly}j aefkel ikeyew feqkw ikefole`

ieqk jkqk jm jelel aevec

Yeam` 2 Lkèk Wjeè Aeliklf Amq~ewelfelKlymlwkyew

^mlyklfl{e

Imbklkwk ^mldmèwel

5 Jmi}e m`mhml wehe

~mlyklfl{e

I}e m`mhml

hml{}haelf wehe

amweq ~eie wkbey ky}

7 M`mhml {elf wey} wmikjky `makc

~mlyklf ieqk~eie m`mhml {elf

èkll{e

^mlfeèhel iel

~mqykhaelfel wmikjky

hml{ojolf wey}

m`mhml eyew m`mhml{elf èkll{e

= M`mhml {elf wey} welfey


èkll{e

^mlfeèhel iel

~mqykhaelfel imlfel

j}ey hml{ojolf wey}

m`mhml eyew m`mhml

{elf èkll{e

6 Wey} m`mhml dmèw `makc


èkll{e

A}jyk {elf hml{ojolf

m`mhml {elf wey} eyew

{elf èkll{e hmhk`kjk

ykljey ~mlmfewel {elfymqyklffk {elf h}lfjkl

hmlf}eyjel

; Wey} m`mhml h}yèj `makc


èkll{e

A}jyk {elf hml{ojolf

m`mhml {elf wey} eyew

{elf èkl{e hmhk`kjk

yklfjey ~mlmfewel {elf

ymqyklffk {elf h}lfjkl

hmlf}eyjel

1,9,2,3 Lkèklkèk ikelyeqe i}e

~mqykhaelfel {elf amqimjeyel

Joh~qohk ik~mqceykjel

ik elyeqe i}e~mqykhaelfel

Jmae`kjel Dkje }ly}j ejykrkyew K hmlie~ey wey} elfje akè

ikaeliklfjel imlfel ejykrkyew d, heje d hmhk`kjk lkèk

jmae`kjell{e akè ikaeliklfjel imlfel k

W}hamq4 Weey{, 5;;7

77


46/134

jmae`kjell{e Heyqkjw ikaevec feqkw ikefole` }yehe ikkwk imlfel

lkèk(lkèk jmae`kjell{e Golyoc, akè m`mhml B19 hmhk`kjk lkèk 6,

heje lkèk m`mhml B19 eieèc 5/6

2 Hmèjwelejel èlfjec 7, 9 iel = }ly}j wmh}e yklfjey iel f}f}wel

ieèh ckqeqjk ymqwma}y ^mhaeliklfel ikèld}yjel }ly}j wmh}e m`mhml

~eie wmyke~ yklfjey jm~}y}wel {elf ymqie~ey ~eie ckqeqjk, amqjmleel

imlfel jqkymqke m`mhml ikeyewl{e Heyqkjw ~mqaeliklfel ieèh EC^

ikamiejel hmldeik i}e {eky} 4 Heyqkjw ^mlie~ey Klikrki} #H^K+ ielHeyqkjw ^mlie~ey Fea}lfel #HF^+

5 Heyqkjw ^mlie~ey Klikrki} #H^K+H^K eieèc heyqkjw cewk` ~mhaeliklfel {elf ikèj}jel klikrki}

H^K hmhk`kjk m`mhml {elf ikwkhao`jel imlfel ekd, {eky} m`mhml

heyqkjw ~eie aeqkw joòh jm(k iel joòh jm(d H^K ie~ey ik`kcey

~eie yeam` 9

Yeam` 9 Heyqkjw ^mlie~ey Klikrki}

S E5 E1 E7 El

E5 e55 e51 e57 e5l

E1 e15 e11 e17 e1l

E7 e75 e71 e77 e7l

El el5 el1 el7 ell

1 Heyqkjw ^mlie~ey Fea}lfel #H^F+H^F eieèc w}w}lel heyqkjw aeq} {elf m`mhml #f kd+ amqewe` ieqk

qeye(qeye fmohmyqkj ~mlie~ey(~mlie~ey klikrki} {elf qewko

kljolwkwymlwkl{e `makc jmgk` eye} wehe imlfel 5>- iel wmyke~

m`mhml ~eie aeqkw iel joòh {elf wehe ieqk H^K {elf wey} imlfel

79


47/134

Yeam` = Heyqkjw ^mlie~ey Fea}lfel

S F5 F1 F7 Fl

F5 f55 f51 f57 F5l

F1 f15 f11 f17 F1l

F7 f75 f71 f77 F7l

Fl fl5 fl1 fl7 fll

Q}h}w qeyeel fmohmyqkj eieèc wmaefek amqkj}y 4

fkd 8 ll

j

jkde

85

+# #5+

imlfel 4 l 8 d}hèc qmw~oliml #~ejeq+

ekd#j+ 8 wm` ~mlkèkel wmyke~ ~ejeq

6 Hmlff}lejel joh~owkwk wmgeqe ckqeqjk }ly}j hmhaoaoyjel rmjyoq

rmjyoq ~qkoqkyew ky} imlfel aoaoy jqkymqke(jqkymqke iel hmld}hècjel

wmh}e lkèk ~qkoqkyew ymqaoaoy {elf amqwelfj}yel imlfel lkèk ~qkoqkyew

ieqk yklfjey aevec amqkj}yl{e iel wmymq}wl{e Eie~}l rmjyoq ~qkoqkyew

ie~ey ikcky}lf imlfel q}h}w4

R^ #Rmjyoq ^qkoqkyew+ 8

8

ll

k

kde

RM

5

#1+

ikhele 4

RM #Rmjyoq Mkfml + 8 ll

k

kde

85

#7+

imlfel 4 ekd 8 m`mhml HÂ ~eie aeqkw jm(k iel joòh jm(d

l 8 d}hèc m mhml {elf ik~mqaeliklfjel

3 Hmlfmre`}ewk kljolwkwymlwk }ly}j wm`}q}c ckqeqjk

7=


48/134

jolwkwymlwk egej, {elf wmw}ek imlfel ikhmlwk hewklfhewklf heyqkjw

Imlfel geqe {elf wehe wmyke~ klimjw jolwkwymlwk egej d}fe ikaoaoy

amqieweqjel ~qkoqkyew jqkymqke {elf amqwelfj}yel iel cewk`l{e

ikd}hècjel Qewko jolwkwymlwk ckqeqjk ceq}w 5> - eye} j}qelf Dkje

ykiej, h}y} klboqhewk ceq}w ik~mqaekjk, elyeqe èkl imlfel

hmh~mqaekjk geqe hmlff}lejel ~mqyel{eel jmykje hmèj}jel

~mlfkwkel }èlf j}mwkolmq eye} `makc aekj ieèh hmlfeqecjel

qmw~oliml {elf hmlfkwk j}mwkolmq Leh}l aeyewel ikymqkhe eye}ykiejl{e jolwkwymlwk w}ey} heyqkjw wmamleql{e ykiej eie {elf aej},

wm~mqyk Bmvkieqyo #5;;2+ hmldmèwjel aecve dkje yklfjey kljolwkwymlwk

wmamweq 5> ~mqwml jm aevec ykiej ikge~ek heje ie~ey ikf}lejel aeyew

{elf `makc amweq eye} aecjel qeyeel GQ ~mlkèkel ~ejeq

Q}h}w }ly}j ~mqcky}lfel }dk jolwkwymlwk eieèc wmaefek amqkj}y 4

GK #Klimjw Jolwkwymlwk+GK 8

5

hes

l

l#9+

imlfel 4 GK 8 Klimjw Jolwkwymlwk

hes 8 mkfml re`}m hejwkh}h

l 8 d}hèc m`mhml {elf ik~mqaeliklfjelikhele 4

hes 8l

RA#=+

RA #Lkèk Mkfml+ 8R^

RE#2+

RE #Rmjyoq Elyeqe+ 8 ekd s R^ #6+@makc èld}y klfkl ikjmyec}k e~ejec GK imlfel amweqel g}j}~

aekj eye} ykiej, heje ~mq`} ikjmyec}k qewko jolwkwymlwkl{e #GQ+

imlfel q}h}w {eky} 4

72


49/134

hmlff}lejel weh~`m amq}j}qel 5>> Yeam` QK ymqwma}y eieèc

wmaefek amqkj}y 4

Yeam` 2 4 Klimjw Egej

l 5 1 7 9 = 2 6

QK >,>> >,>> >,=3 >,;> 5,51 5,19 5,71

l 3 ; 5> 55 51 57 59

QK 5,95 5,9= 5,9; 5,=5 593 5=2 5=6

W}hamq 4 Bmvkieqyo #5;;2+

1,3,7, Jm}ly}lfel EC^

Wmgeqe }h}h, jm}ly}lfel ~mlff}leel hmyoim EC^ ie~ey

ikkjcykweqjel wmaefek amqkj}y #Heeqkb iel Yeld}lf, 1>>7+ 4

e Jmwey}el 4 EC^ hmhamqk wey} hoim` y}lffe` {elf h}iec ikhmlfmqykiel `}vmw }ly}j elmje qefeh ~mqwoeèl yej ymqwyq}jy}q

a Joh~`mjwkyew 4 EC^ hmhei}jel elgelfel imi}jykb iel elgelfelamqieweqjel wkwymh ieèh hmhmgecjel ~mqwoeèl

g We`klf jmymqfely}lfel 4 EC^ ie~ey hmlelfelk we`klf jmymqfely}lfelm`mhmlm`mhml ieèh w}ey} wkwymh iel yej hmhejwejel ~mhkjkqel

`klkmq

i ^ml{}w}lel ckqeqjk 4 EC^ hmlgmqhkljel jmgmlimq}lfel eèhk~kjkqel }ly}j hmhkèc m`mhmlm`mhml w}ey} wkwymh ieèh amqaefek

yklfjey amqèklel iel hmlfmòh~ojel }lw}q {elf wmq}~e ieèh wmyke~

yklfjey

m ^mlf}j}qel 4 EC^ hmhamqk w}ey} wjeè }ly}j hmlf}j}q oadmj ieèhv}d}i w}ey} hmyoim }ly}j hmlmye~jel ~qkoqkyew

b Jolwkwymlwk 4 EC^ hmègej jolwkwymlwk òfkw ieqk ~mqykhaelfel~mqykhaelfel {elf ikf}lejel ieèh hmlmye~jel amqaefek ~qkoqkyew

f Wklymwkw 4 EC^ hml}ly}l ~eie w}ey} yejwkqel {elf hml{m`}q}c

76


50/134

k ^mlkèkel iel jolwmlw}w 4 EC^ yej hmhejwejel jolwml}w, ymye~khmlwklymwkw w}ey} cewk` {elf qm~qmwmlyeykb ieqk amqaefek ~mlkèkel {elf

amqamieamie

d ^mlf}èlfel ~qowmw 4 EC^ hmh}lfjkljel oqelf hmh~mqce`}wimbklkwk hmqmje ~eie w}ey} ~mqwoeèl iel hmh~mqaekjk ~mqykhaelfel

iel ~mlfmqykel hmqmje hmè`}k ~mqoqelfel

1,;, ^mlm`kykel Ymqiec}`}

^mlm`kykel ymqiec}`} {elf hmldeik qmbmqmlwk aefk ~ml}`kw, hmlfelfjey

yo~kj {elf wehe wm~mqyk {elf ikelfjey ieèh ~mlm`kykel klk {eky} hmlfmlek

wyqeymfk ~qohowk Leh}l, jmi}e ~mlm`kykel ymqiec}`} hml{oqoyk wyqeymfk

~qohowk ~eie wyewk}l ym`mrkwk wvewye ik Kliolmwke wmielfjel ~mlm`kykel klk

hmlfelfjey wyqeymfk ~qohowk jeqy} jqmiky

^mlm`kykel [elyk #1>>9+ imlfel d}i}` Ele`kwkw Wyqeymfk ^qohowk

ELYR ieèh Jekyell{e Imlfel Aqeli Khefm ^mq}weceel hmldmèwjel

aecve Elyr hmèj}jel jmfkeyel ae}qel ~qohowk {elf hm`k~}yk ~mqkjèlel,

c}a}lfel hew{eqejey iel ~}a`kwkyew, ~mheweqel èlfw}lf, ~qohowk ~mld}èl,

iel ~mld}èl èlfw}lf Wmèkl jmfkeyel ae}qel ~qohowk wmaefek wyewk}l

ym`mrkwk, Elyr hmèj}jel jmfkeyel ~qoho ol(ekq iel ~qoho obb(ekq

Wmc}a}lfel Elyr h}èk hmlimwekl }èlf gkyqe hmqmj imlfel qmwyq}jy}qkwewk

~mq}weceel ik aevec ~mlfmòèel heledmhml aeq} heje [elyk hmlehaecjel

gkyqe hmqmj wmaefek bejyoq {elf hmh~mlfeq}ck ~ml{}w}lel wyqeymfk ~qohowk

~mq}weceel Ieèh ~mlm`kykell{e klk [elyk hmlff}lejel hmyoim ^CE }ly}j

hmlfele`kwkw wyqeymfk ~qohowk Elyr iel ikwma}yjel aecve e`ymqleykb wyqeymfk

{elf ik~qkoqkyewjel aefk Elyr }ly}j hmlge~ek y}d}ell{e eieèc amq~qohowk

imlfel hmlklfjeyjel bqmj}mlwk/klymlwkyewl{e imlfel aoaoy >,959

[}lkie #1>>2+ ieèh ~mlm`kykell{e {elf amqd}i}` Ele`kwe Wyqeymfk

^qohowk ^Y Ym`mrkwk Yqelwboqhewk Kliolmwke #Yqelw YR+ hmlff}lejel i}e

73


51/134

~mq}weceel eieèc bejyoq imlfel ~qkoqkyew }yehe êie ~mlm`kykell{e d}fe

ikwma}yjel aecve e`ymqleykb wyqeymfk ~qohowk {elf ie~ey ik~qkoqkyewjel aefk

Yqelw YR eieèc hmèj}jel ol ekq ~qoho {elf ikymjeljel ~eie ~mq}weceel

E`ymqleykb klk ikèj}jel efeq khefm iel eveqmlmww ~mhkqwe #e}ikml+ ie~ey

ikaelf}l


52/134

KKK, HMYOIO@OFK MLM@KYKEL

7,5, Jmqelfje ^mhkjkqel Jolwm~y}e`

Aelj AQK imlfel wyey}w jm~mhk`kjel Aeiel ]wece Hk`kj Lmfeqe

ymqhew}j weèc wey} aelj {elf h}yèj ik~mqcky}lfjel ieèh jelgec

~mqaeljel lewkole` Wmèkl amqboj}w wmaefek `mhaefe klymqhmikewk ~mlo~elf

~mqjmhaelfel ]HJH ik Kliolmwke, Aelj AQK ykiej hmlfml{eh~klfjel

b}lfwk iel ~mqell{e wmaefek aelj johmqwke` ieèh wmjyoq jolw}hmq

#golw}hmq aeljklf+ Ykiej cel{e wmaefek ymh~ey }ly}j hmlea}lf eye}

hmhamqkjel jqmiky aefk ]HJH, leh}l Aelj AQK d}fe hmhamqkjel ~qoi}j

eye} bewk`kyewbewk`kyew ~mlyklf èkll{e wmaefek }wece }ly}j ymq}w hmhml}ck

y}ly}yel iel jm~}ewel ieqk ~eqe leweaec eye}~}l hew{eqejey wmqye }ly}j

hml{mw}ekjel ikqk imlfel jolikwk ~mqaeljel weey klk Ce` ymqwma}y ymly}l{e

ikèj}jel o`mc Aelj AQK amqjmleel imlfel rkwk {elf ikhk`kjk {eky} Hmldeik

Aelj Johmqwke` {elf Wmè`} Hmlf}yehejel Jm~}ewel Leweaec imlfel

hmlfmim~eljel ykfe hkwk wmaefek amqkj}y 4

5 Hmèj}jel jmfkeyel ~mqaeljel {elf ymqaekj imlfel hmh~qkoqkyewjel~mè{elel jm~eie ]wece Hkjqo Jmgk` iel Hmlmlfec #]HJH+ }ly}j

hml}ldelf ~mqmjolohkel hew{eqejey

1 Hmhamqkjel ~mè{elel ~qkhe jm~eie ~eqe leweaec hmè`}k deqklfel jmqde{elf ymqwmaeq `}ew iel iki}j}lf w}hamq ie{e hel}wke #WIH+ {elf

~qobmwkole` imlfel yeye jmòè ~mq}weceel {elf aekj #Fooi Goq~oqeym

Formqlelgm+

7 Hmhamqkjel jm}ly}lfel iel helbeey wmo~ykhe` h}lfjkl jm~eie amqaefek~kcej {elf amqjm~mlyklfel

Weèc wey} v}d}i l{eye ieqk }wece ~mlge~ekel rkwk iel hkwk ymqwma}y,

ymq}yehe ieèh golw}hmq aeljklf {eky} imlfel ikjm`}eqjell{e jeqy} jqmiky

9>


53/134

ymqèhaey ieèh hmhew}jk ~eweq Ceh~kq wm`}q}c aelj ik Kliolmwke, aekj

aelj òje` he}~}l aelj ewklf, ymèc hmlfm`}eqjel jeqy} jqmiky ymq`makc

iec}`} ikaeliklfjel Aelj AQK êqe ~mèj} akwlkw jeqy} jqmiky ymqwma}y d}fe

ymèc hm`}lg}qjel amqaefek ~qofqeh~qofqeh hmleqkj wmgeqe amweq(amweqel

f}le hmh~mq`}ew ~elfwe ~eweql{e

Ieèh hml{kje~k kj`kh ~mqweklfel {elf wmhejkl joh~mykykb wmqye

hmh~mqykhaelfjel Jeqy} Jqmiky AQK hmq}~ejel wma}ec ~qoi}j ~mqaeljel

{elf ymqfoòlf aeq} ikjm`}eqjel heje Aelj AQK ~mq`} hmèjwelejel~qohowk f}le hmh~mqjmle`jel jeqy} jqmiky AQK jm ymlfec hew{eqejey

Joy`mq #1>>>+ hmldmèwjel aecve ~qohowk wmaefek hmike joh}lkjewk

~mheweqel hmhk`kjk `khe jmfkeyel }yehe, {eky} ~mqkjèlel #eirmqykwklf+,

~mld}eèl ~qkaeik #~mqwole` wm``klf+, ~qohowk ~mld}eèl #we`mw ~qohoykol+,

~}a`kwkyew iel c}a}lfel hew{eqejey #~}a`kgky{ eli ~}a`kg qmèykolw+,

~mheweqel èlfw}lf #ikqmgy heqjmyklf+

^mlm`kykel klk ejel hmlfjedk eye} hmlfmyec}k wyqeymfk ~qohowk {elf

ymèc ikèj}jel o`mc Aelj AQK }ly}j ~qoi}j Jeqy} Jqmiky AQK,

hmlfkimlykbkjewk bejyoq(bejyoq {elf hmh~mlfeq}ck jm~}y}wel wyqeymfk iel

d}fe hml{}w}l e`ymqleykb wyqeymfk ~qohowk {elf ikceqe~jel ie~ey hmldeik

~mqykhaelfel aefk Aelj AQK }ly}j hmh~qohowkjel Jeqy} Jqmiky AQK

imlfel hmlff}lejel EC^ #Ele`{ykge` Ckmqeqgc{ ^qogmww+ Eie~}l

~mqykhaelfel ~mlff}leel hmyoim klk, ~mqyehe imlfel EC^ w}ey} heweèc

ik~elielf ieèh w}ey} jmqelfje amqbkjkq {elf ymqoqfelkwkq iel wmimqcele,

wmcklffe hmh}lfjkljel }ly}j hmlfehak` jm~}y}wel {elf mbmjykb Jmi}e,

EC^ ejel hml}ld}jel ~qkoqkyew }ly}j w}ey} jqkymqke iel e`ymqleykb {elf

iky}q}ljel ieqk cewk` joh~eqewk amq~ewelfel imlfel geqe hmlmly}jel iel

hmlfklymq~qmyewkjel jolwkwymlwk ieqk ~mlkèkel j}e`kykeykb jm ~mlie~ey

j}elykyeykb, wmcklffe ie~ey hml}ld}jel cewk` e`ymqleykb wyqeymfk ~qohowk {elf

`makc dmèw e~ejec wey} e`ymqleykb `makc aekj ikaeliklfjel imlfel amamqe~e

95


54/134

Fehaeq 1 Jmqelfje ^mlm`kykel

7,1, @ojewk iel Vejy} ^mlm`kykel

^mlm`kykel klk ikèjwelejel ~eie ^Y Aelj Qej{ey Kliolmwke #^mqwmqo+

Yaj, jelyoq ~}wey, {elf amqòjewk ik D`l Dmliqe` W}ikqhel Jer`klf 99(92

Aelj AQK

Rkwk iel Hkwk

Jeqy} Jqmiky AQK

#^qoi}j Aeq}+

Wyqeymfk qohowk

^mqkjèlel ^mld}eèl

^qkaeik

^qohowk

^mld}eèl

^}a`kwkyew

iel C}hew

^mheweqel

@elfw}lf

Kimlykbkjewk Wyqeymfk ^qohowk {elf ik deèljel

Aelj AQK weey klk

^mhk`kcel Wyqeymfk ^qohowk Jeqy} Jqmiky AQK

amqieweqjel e`ymqleykb {elf eie

Qmjohmliewk Wyqeymfk ^qohowk aefk Aelj AQK

Kimlykbkjewk Bejyoq Bejyoq {elf hmh~mlfeq}ck

Jm~}y}wel ml{}w}lel Wyqeymfk qohowk

EC^

91


55/134

7,7, Hmyoim ^mlm`kykel

7,7,5, Hmyoim ^mlf}h~}èl Ieye

êie ~mlm`kykel klk w}hamq ieye ikie~eyjel aekj ieqk ieye ~qkhmq

he}~}l ieye wmj}limq

5 Ieye ~qkhmq hmq}~ejel w}hamq ieye ~mlm`kykel {elf ikie~ey ieqkw}hamq ~mqyehe aekj klikrki} he}~}l jmòh~oj imlfel

hmlff}lejel ymjlkj ~mlf}h~}èl ieye amq}~e vevelgeqe iel d}fe

~mlfkwkel j}mwkolmq Vevelgeqe ikèj}jel imlfel ~kcej~kcej

{elf ymqjeky eye} ec`k, {eky} ieqk Aelj AQK

1 Ieye wmj}limq ieèh ~mlm`kykel klk ik~mqo`mc ieqk ieye ~mq}weceeliel wy}ik `kymqey}q wm~mqyk a}j}, hedeèc, klymqlmy iel wjqk~wk

#~mlm`kykel ymqiec}`}+ {elf ymly}l{e ymqjeky imlfel yo~kj ~mlm`kykel

7,7,1, Hmyoim ^mlfehakèl Weh~m`^mhk`kcel qmw~oliml ~eie ~mlm`kykel klk ikèj}jel wmgeqe

wmlfede #~}q~owkrm weh~`klf+ Ce` klk ymly}l{e hmh~mqykhaelfjel

~mhecehel qmw~oliml hmlfmlek wyqeymfk ~qohowk iel d}fe amweql{e

~mqelel ~eqe qmw~oliml {elf ik~k`kc ieèh ~mq}h}wel iel ~mèjweleel

wyqeymfk ~qohowk ~mq}weceel

Eie~}l d}hèc qmw~oliml ymqikqk ieqk 9 oqelf, jeqmle ieèh

hmyoim EC^ wmlikqk ykiej hmhk`kjk ~mq}h}wel ymqymly} }ly}j

hmlfehak` d}hèc weh~m` {elf ym~ey, cel{e ymqie~ey aeyew hklkh}h

{eky} 1 oqelf qmw~oliml Qmw~oliml ik~k`kc imlfel ~mqykhaelfel

aecve hmqmje amleqamleq hmlf}ewek, hmh~mlfeq}ck ~mlfehakèl

jmakdejel eye} amleq amleq hmlfmyec}k klboqhewk {elf ika}y}cjelWmcklffe hmqmje g}j}~ joh~myml ieèh hmvejk`k jmwm`}q}cel

~o~}èwk Leh}l, qmw~oliml ykiej amqeqyk hmvejk`k w}ey} m`mhml eye}

}lw}q ymqymly} ~eie ckqeqjk, jeqmle jmi}e ce` klk hmq}~ejel reqkeam`

97

7 7 7 H y i ^ ` c i E `k k I y


56/134

7,7,7, Hmyoim ^mlfoècel iel Ele`kwkw Ieye

^mlfoècel ieye ikèj}jel imlfel hmyoim EC^ Amqieweqjel

jmqelfje jmqde EC^, ~mlm`kykel klk ikeve`k imlfel ~mha}eyel ckqeqjk

{elf ikw}w}l amqieweqjel wy}ik `kymqey}q, ieye ioj}hmlymq ~mq}weceel,

oawmqrewk, cewk` vevelgeqe iel imlfel jolbkqhewk ieqk ~kcej

~mq}weceel Wyq}jy}q ckqeqjk {elf ymèc ikw}w}l ejel hmldeik ieweq

ieèh ~mha}eyel j}mwkolmq {elf ejel ikwmaeqjel jm~eie qmw~oliml

J}mwkolmq ikamqkjel }ly}j hmlfmyec}k ~mhaoaoyel wmyke~ m`mhml ~eie

wm`}q}c yklfjey ~eie wyq}jy}q ckqeqjk Re`kikyew j}mwkolmq }ly}j

~mhk`kcel wyqeymfk ~qohowk ik`kcey hmè`}k jolwkwymlwk wmyke~ heyqkjw

aekj ky} klikrki} he}~}l fea}lfel iel d}fe jolbkqhewk {elf

ikèj}jel imlfel ~ejeq

Cewk` ~mlfoècel ieye ~qkhmq klk ikh}èk imlfel hmhmqkjwe

ymq`makc iec}`} jmjolwkwymlel ~mhaoaoyel {elf ikamqkjel qmw~oliml

^mlfoècel jmjolwkwymlel ~mhaoaoyel ikèj}jel imlfel

hmlff}lejel Ms~mqy Gcokgm Ikhele ieèh ~mlm`kykel klk aeyew

yklfjey kljolwkymlwk ikymye~jel wmamweq 5=- Jmh}ikel wmymèc

hewklfhewklf ~mhaoaoyel ~mq klikrki} ymqa}jyk jolwkwyml,

jmwm`}q}cel ~mhaoaoyel o`mc hewklfhewklf klikrki} ejel

ikfea}lfjel ieèh wey} heyqkjw fea}lfel Wmymèc ky} heyqkjw

fea}lfel klkèc {elf ejel ik}j}q jmhae`k ~mhaoaoyell{e `mvey

hmjelkwhm ~mqcky}lfel EC^ imlfel hmlff}lejel Hkgqowoby Msgm`

{elf ejel hmèckqjel ~mlfoècel ieye rmqykje` iel ~mlfoècel ieye

coqktolye` Cewk` ~mlfoècel rmqykje` {elf hmldeik ieweq ~mhk`kcel

e`ymqleykb wyqeymfk ~qohowk, wmielfjel cewk` ~mlfoècel ieye coqktolye`

hmh~mq`kceyjel jmymqjekyel iel yklfjey ~mlfeq}c elyeqe wey} bejyoq

imlfel m`mhml èkl ieèh wey} yklfjey ckqeqjk imlfel m`mhml èkl

ieèh yklfjey ckqeqjk ikaevecl{e

KR CEWK@ IEL ^MHAECEWEL


57/134

KR CEWK@ IEL ^MHAECEWEL

95 Fehaeqel ]h}h ^mq}weceel

955 Wmdeqec ^mq}weceel

êie eve`l{e Aelj Qej{ey Kliolmwke #AQK+ ikikqkjel ik

^}qvojmqyo, Deve Ymlfec o`mc Qeiml Eqke Vkqdeeyheide imlfel lehe

C}`~(ml W~eeqaelj imq Klèliwgcm Amwy}}qw Ehaymleqml eye} Aelj

Aely}el iel Wkh~elel Hk`kj Je}h ^qk{e{k {elf amqjmaelfweel

Kliolmwke #~qka}hk+ Amqikqk yelffe` 52 Imwmhamq 53;=, {elf

jmh}ikel ikdeikjel wmaefek ceqk jmèckqel AQK

^mlikqk Aelj Qej{ey Kliolmwke Qeiml Eqke Vkqdeeyheide êie

~mqkoim wmymèc jmhmqimjeel QK, amqieweqjel ^mqey}qel ^mhmqklyec Lo

5 yec}l 5;92 êwe` 5 ikwma}yjel aecve AQK eieèc wmaefek Aelj

^mhmqklyec ~mqyehe ik Qm~}a`kj Kliolmwke Eiel{e wky}ewk ~mqelf

hmh~mqyeceljel jmhmqimjeel ~eie yec}l 5;93, jmfkeyel AQK wmh~ey

ymqcmlyk }ly}j wmhmlyeqe vejy} iel aeq} h}èk ejykb jmhae`k wmymèc

~mqdeldkel Qmlrk``m ~eie yec}l 5;9; imlfel amq}aec lehe hmldeik

Aelj Qej{ey Kliolmwke Wmqkjey êie vejy} ky} hmè`}k ^MQ^] Lo 95

yec}l 5;2> ikamly}j Aelj Jo~mqewk Yelk iel Lmè{el #AJYL+ {elf

hmq}~ejel ~m`ma}qel ieqk AQK, Aelj Yelk Lmè{el iel Lmimqèliwgcm

Heeywgce~~kd #LCH+ Jmh}ikel amqieweqjel ^mlmye~el ^qmwkiml

#^ml~qmw+ Lo ; yec}l 5;2=, AJYL ikklymqfqewkjel jm ieèh Aelj

Kliolmwke imlfel lehe Aelj Kliolmwke ]q}wel Jo~mqewk Yelk iel

Lmè{el

Wmymèc amqdeèl wmèhe wey} a}èl jm`}eq ^ml~qmw Lo 56 yec}l

5;2= ymlyelf ~mhamly}jel Aelj y}lffe` imlfel lehe Aelj Lmfeqe

Kliolmwke Ieèh jmymly}el aeq} ky}, Aelj Kliolmwke ]q}wel Jo~mqewk,

9=

Amqieweqjel ]lielf ]lielf Lo 59 yec}l 5;26 ymlyelf


58/134

Amqieweqjel ]lielf(]lielf Lo 59 yec}l 5;26 ymlyelf

ANALISIS STRATEGI PROMOSI KARTU KREDIT BANK RAKYAT INDONESIA

Documents