he;jp rKj;uh Fkhup - HNB FINANCE...05 2015 nrg;nlk;gH nkn`tu

jahupg;G: jpUkjp ep\he;jp rKj;uh Fkhup

vr;.vd;.gp.fpuhkpd; fy;fKt fpis mq;fj;jtH

glg;gpbg;G: yf;\;kd; FkhuJq;f

jahupg;G: jpUkjp ep\he;jp rKj;uh Fkhup

vr;.vd;.gp.fpuhkpd; fy;fKt fpis mq;fj;jtH

glg;gpbg;G: yf;\;kd; FkhuJq;f

nkn`tunkn`tunkn`tunkn`tunkn`tu4 Mk; njhFjp - ehd;fhtJ ,jo; - 2015 nrg;nlk;gH4 Mk; njhFjp - ehd;fhtJ ,jo; - 2015 nrg;nlk;gH

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

—V io kdpjH xUtH v[khduhf khwpa fijg; gw;wp ePq;fs;

mwpe;jpUg;gPHfs;. Mdhy;> CHRw;wpj; jpupe;jtiu gzf;fhuuhf khw;wpa fly; rpg;gp njhlHgpy; ,jw;F Kd;dH Nfs;tpgl;Ls;sPHfsh...,d;W ehk; mt;thwhd xUtH gw;wpa CHRw;wpa xUtupd; tho;f;ifapy; Vw;gl;l jpUg;G Kidahf mike;j rpg;gpapd; fij cq;fSf;F jUfpNwhk;.

rpg;gpfspy; cs;s kziy fhzg;gLfpd;wJ vd;gij khf]; ,yl;rpid vd;Wk; kdjpy; ,Ue;J khw;wkilahJ vd;gJ mfw;wp ed;whf Rj;jg;gLj;jpdhH. czHe;j fhuzj;jpdyhFk;. jpz;zk;. mtUila mt;tpjk; Rj;jg;gLj;jpa gpd;dH ,jdhy; jd;dhy; tpahghukhd “n\y;” khf]; me;j rpg;gpfis epHkhzpf;fg;gLk; khiyfSf;F vd;gjhFk;. mjhtJ cyfg; ehshe;jk; jdJ fz;fSf;F khf]; xU tpiyia epHzak; gpurpj;jp ngw;w n\y; njupAkhW itj;Jf; nfhz;lhH. nra;jhH. mtH nra;j rfy epWtdkhFk;. n\y; vd;gJ mtUila kdk; ,e;jr; khiyfSk; xU rpy ehl;fspy; fly; rpg;gpfSf;F gad;gLj;Jk; rpg;gpfis ghHitapLk; NghJ tpw;gid nra;ag;gl;ld. ,jd; ngauhFk;. n\y; vd;w ngaH vt;tifahd nghUl;fis %yk; rpg;gpiaf; nfhz;L cyfstpy; gpurpj;jp ngWtjw;F

cw;gj;jp nra;a KbAnkd;w fOj;jzp jahupf;Fk; njhopiy fhuzkhf ,Ue;jikf;fhd gilg;ghf;fj;jpwd; tUk; vd;w Muk;gpj;jhH. jdJ njhopYf;F fhuzj;ij njspTgLj;jpa mtH Nehf;fj;jpNyNa mtH ey;y tuNtw;G fhzg;gLtjhy; rpg;gpapd; %yk; mtUila fz;fSf;F njupAkhW flw;fiuapy; ,Ue;J rpg;gpfis tho;f;ifapy; ghupa khw;w itj;jpUe;jhH. ,Wjpapy; nfhz;L tUtjw;F egH nkhd;W Vw;gl;lij epidT mtUila cs;sj;jpy; ,jd; xUtiu epakpj;jhH. ,t;tpjk; $Wk; tifapNyNa ,e;jg; %yk; VNjDk; nghUs; nra;a jdJ fOj;jzp tpahghuj;ij ngaiu njupT nra;jjhf

khf]; rhKNty; . . .,e;jg; KbAnkd;w ek;gpf;if Vw;gl;lJ. rpwg;ghf nfhz;L nrd;whH. Fwpg;gpl;lhH. ,JNt jdJ ngaiu ePq;fs; mwpe;jpUf;f mjhtJ me;j rpg;gpfisf; mjd; gpd;dH khf]; jdf;nfd;W tho;f;ifapy; jpUg;G Kid khl;BHfs; vd;W ehd; vd;gijAk; mtH typ nfhz;L fOj;jzpfis xU glif nrhe;jkhf epidf;fpNwd;. ,tH 1800Mk; AWj;jpdhH. jdJ KjyhtJ cUthf;f KbT nra;jhH. me;j thq;fpdhH. ,e;j glifg; Mz;Lfspy; ,q;fpyhe;jpy; gpwe;j cw;gj;jpia vd;Wk; epidT fOj;jzpfis epHkhzpj;J gad;gLj;jp ePz;l J}uj;jpy; Vio ,isQuhFk;. $Wk; tifapy; nraw;gl;l mtH re;ijapy; tpw;gid nra;tjw;F cs;stHfSf;F vupnghUs; mf;fhyg;gFjpapy; ,q;fpyhe;jpy; mjidNa jdJ jPHkhdpj;jhH. me;jf; tpepNahfk; nra;J mjw;F Ntiyapy;yhg; gpur;rpid ,yl;rpidahfTk; gad; fhyg;gFjpapy; ngz;fspd; khw;wPlhf rpg;gpfis thq;fp fhzg;gl;l fhyg;gFjpahFk;. gLj;jpdhH. ,t;tpjk; cyfg; fOj;jpy; ,t;thwhd khiyfs; te;jhH. gbg;gbahf mtH khf]; rhKNty; caH gbg;ig gpurpj;jp ngw;w n\y; tpahghuk; fhzg;gLtjpy;iy. ,t;thwhd fOj;jzp cw;gj;jp Nkyjpfkhf Nkw;nfhz;L Ntiyapy;yhky; cyfj;Jf;F mwpKfg; gLj;jg;

fOj;jzpfis ngz;fs; vupnghUs; tpahghuj;ijAk; tPzhf nghOijg; Nghf;fpf; gl;lJ cyfpy; njhopypd;wp mzptjpy;iy vd;w Muk;gpj;jhH. ,e;j ,uz;L nfhz;bUe;j ,isQuhFk;. nghUshjhu gpur;rpidfSf;F fhuzj;jpNyNa khf]; Gjpa njhopy;fisAk; rpwg;ghf ehshe;jk; flw;fiuf;F nrd;W Kfk; nfhLj;j jd;dk;gpf;if gilg;Gfis Muk;gpf;f Nkw;nfhz;L te;jhH. mjd; mq;F Rje;jpukhf mq;Fkpq;Fk; Aila ,isQH xUtup Ntz;Lnkd;W fUjpdhH. gpd;dH fOj;jzp njhopiy jpupe;J nghOijg; Nghf;Fk; dhyhFk;. kpfTk; f\;lkhd ,t;tpjk; Muk;gj;jpy; Kw;W KOjhf iftpl;L gof;fj;ij nfhz;bUe;jhH. epiyapy; ,Ue;J cyfj;Jf;F

vdpDk; mtH me;jf; fhyj;jpy; epHkhzpf;fg;gl;l gy vupnghUs; tpw;gidapy; Kd;khjpupahf khwpa khf]; kd cisr;rYlNdNa tho;e;J fOj;jzpfis flw;fiu Xukhf KOikahf <Lgl;lhH. ,e;jj; gilg;ghf;fj;jpy; ek;gpf;if te;jhH. Vnddpy; njhopy; nry;Yk; ngz;fSf;F njhopy; kpff;FWfpa fhyj;jpy; nfhz;L nraw;gl;likahyhFk;. xd;iwg; ngw;Wf; nfhs;tjw;fhd ,jd; %yk; ifapy; xU rjk; ,ytrkhf toq;fpdhH. kWehs; ghupa tsHr;rp ngw;wJld; gy topapd;ikahyhFk;. ,t;tpjk; gzkpy;yhky; Rw;wpj;jpupe;j fOj;jzpfis me;jg; ngz;fs; fg;gy;fSf;Fk; jdJ ,sikg; gUtj;ij kd ,isQUf;F jkJ tho;f;ifia kPz;Lk; mzpe;J te;jij ghHj;j nrhe;jf;fhuuhdhH. ,Wjpapy; cisr;rYf;F kj;jpapy; Nghf;fpf; ntw;wpg; gazj;Jf;F ,l;Lr; khf]; kpfTk; kfpo;r;rpaile;jhH. rpwe;j tpahghupahf khf]; nfhz;bUe;jhH. vd;whYk; gy nrd;wJ gilg;ghf;fj; jpwdhFk;. fOj;jzp mzpahj rpy khw;wkile;jhH.njhopy;fSf;F Kaw;rp nra;j ePq;fSk; cq;fs; tho;f;ifapd; ngz;fs; ,e;j khiyiag; NghJk; ,Wjpapy; Njhy;tpNa jpUg;G Kidia milahsk; ngw;Wf; nfhz;lik njhlHgpy; fpilj;jJ. ,t;tpjk; xU ehs; fhz Kaw;rp nra;Aq;fs;. ,e;j ifj;njhopyhdJ jfty;fis ngw;Wf; nfhz;ldH. flw;fiuapd; Xukhf ele;J cldbahf me;j jpUg;G ,q;fpyhe;jpy; khj;jpuk; mjd; gpd;dH vkf;Fk; me;j nfhz;bUe;j NghJ flw;fiuapd; Kidia milahsk; fz;L kl;Lg;gLj;jg;glhky; nejHyhe;J fOj;jzpfis epHkhzpj;Jf; Xukhf fly; rpg;gpfs; me;j topapy; gazpg;gjw;F Nghd;w INuhg;gpa ehLfspYk; nfhLf;f KbAkh vd kpfTk; mq;Fkpq;Fk; fhzg;gl;lij Kaw;rp nra;Aq;fs;. ePq;fs; rPdh Nghd;w Mrpa ehLfspYk; MHtkhf Nfl;ldH.mtjhdpj;jhH. mjd; gpd;dH rupahd ghijapy; nry;tjw;F ,e;j cw;gj;jp tpuptile;jJld; fly; Xuj;jpy; fple;j rpg;gpfis Kaw;rp nra;Aq;fs;. mJ xU rHtNjr tpahghukhfTk; vt;tpj Nehf;fKk; ,d;wp xd;W NghJk; jtwhf khl;lhJ. khw;wile;jJ. jdJ cw;gj;jp ,jd; NghJ me;j ngz;fSf;F jpul;bdhH. Neuk; tpuakhdJ cq;fs; tho;f;ifapd; jpUg;G njhlHgpy; njhlHe;J rpe;jpj;j ,ytrkhf fOj;jzpfis mtUf;F njupatpy;iy. Kidia ePq;fNs njupT nra;J fhuzj;jpdhYk; mjid ghupa

toq;Ftjw;F Kd;tutpy;iy. ,t;tpjk; vLj;Jf; nfhz;l cs;ehl;bYk;> ntspehl;bYk; tpahghukhf khw;wpaikf;f Vnddpy; jd;dhy; rpg;gpfis khf]; tPl;Lf;F gpurpj;jp ngw;w eguhf Ntz;Lnkd;w Nehf;fj;jpy; epHkhzpf;fg;gl;l khiyf;F tpsq;Ftjw;F ,d;Nw mbj;jsk; vLj;Jr; nrd;whH. nraw;gl;lJNk ,jw;fhd

,Lq;fs;.ey;y Nfs;tp ,t;tpjk; Nrkpj;j rpg;gpfisf; fhuzkhFk;. khf]; rhKNty; nfhz;L vt;tifahd vd;w ngaH cq;fSf;F nghUl;fis jahupf;f njupahj> mwpe;jpuhj ngauhf KbAnkd;W gy ehl;fs; fhzg;gl;lhYk; mtuhy; rpe;jpj;jhH. mjd; gpd;dH me;j epHkhzpf;fg;gl;l tpahghu

02

njupahj xd;Wf;F %f;if Eiog;gij tpl nksdkhf ,Ug;gJ Nky;

2015 nrg;nlk;gH2015 nrg;nlk;gH

CHRw;wpj;jpupe;jtiu jdte;juhf khw;wpa fly; rpg;gpCHRw;wpj;jpupe;jtiu jdte;juhf khw;wpa fly; rpg;gpCHRw;wpj;jpupe;jtiu jdte;juhf khw;wpa fly; rpg;gpCHRw;wpj;jpupe;jtiu jdte;juhf khw;wpa fly; rpg;gp

nkn`tunkn`tunkn`tunkn`tunkn`tu

gpNukrpwp fkNfjiytHifj;njhopy; mgptpUj;jpkj;jpa epiyak;

03

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

md;whl tho;it Kd;ndLg;gjw;F Kaw;rpf;Fk;ed;kf;fs; thOk; ehl;bd; rfy gpuNjrq;fspYk;. . . md;whl tho;it Kd;ndLg;gjw;F Kaw;rpf;Fk;ed;kf;fs; thOk; ehl;bd; rfy gpuNjrq;fspYk;. . . md;whl tho;it Kd;ndLg;gjw;F Kaw;rpf;Fk;ed;kf;fs; thOk; ehl;bd; rfy gpuNjrq;fspYk;. . .

fz;lyk Fsj;Jf;F fhiy glf;fhl;rpf;fhd jpl;lkply;fis gpuNjrq;fspYk; Ntisapy; #upa ntspr;rk; nra;Jf; nfhz;bUe;j re;jHg;gj;jpy;

gpufhrpj;J tho;f;ifapy; Nkk;ghL m];jkpj;j re;jHg;gk; khj;jpuNk. khjt jd;dhy; gilf;fg;gl;l mila,iofSk;> FiyfSk; nksdkhf glf;fhl;rp njhlHgpy; ,t;tpjk;

njhlHe;Jk; cwq;fpf; nfhz;bUf;Fk; fUj;Jf;fis vk;kplk; gfpHe;J ehk; ifnfhLj;J- ntw;wpiaiAk; vdJ glg;gpbg;G gpujpfs; mr;R Ntisapy; gRkhl;bd; fjwy; rj;jk; nfhz;lhH. nfhLg;Nghk; Clfq;fspy; xspgug;Gk; cupikia ,iur;riy Vw;gLj;jpaJ. fU Nkfk;

gyfhykhf gpiuk; fpuhkpd; vd;w ];if vd;lHild;nkd;l;bd; epyhd; #o;e;Jf; nfhz;bUe;j fhiy 30 tpehbfs; nfhz;l ,e;j ngaupy; ,aq;fpte;j fpuhkpd; FNu mtHfsplk; xg;gilf;fg;gl;L Ntisapy; gRkhl;bd; ghy; fwf;Fk; tplaj;ij vkf;F tpsk;gukhf epWtdk; vr;.vd;.gp.tq;fpAld; kpfTk; rpwg;ghf xspgug;gg;gl;lJ. ghy;fhk;Gfs; ghiy Ruf;f khw;wpaikf;f Ntz;bAs;sJ. ,ize;j gpd;dH me;j epWtdj;jpd; Maj;jkhf ,Uf;Fk; NghJ kdpjd; ,jw;fhf ehk; gR khL tsHg;NghH> ,iraikg;Gf;F cjtpa fpuhkpa Gjpa Nghf;F> etPd nraw;ghLfs; jdJ ehshe;j nraw;ghLfis .rfytpjkhd ifj;njhopy;fspyk; ,irAld; fye;j Kw;wpYk; NtWgl;l njhlHgpy; kf;fSf;F mwpTWj;j Muk;gpf;f gRkhl;by; ,Ue;J ghiy <LgLNthH> kl;ghz;lk; cw;gj;jpfs; ,irAldhd ghliy

fwf;fpd;whd;. jahupj;J ghbatH mt;tpjk;

mkpy epj`r fwf;fg;gl;l

jp]hehaf;f. ghiy glg;gpbg;G cjtpfs; jd;dplkpUe;j midj;Jk; ];if thfdkhd vd;lHild;nkd;l;bJtpr;rf;fu

tz;bapd; d; gpd;Gwj;jpy; itj;Jf; gilg;ghsHfspdhy; nfhz;L #upa glkhf;fg;gl;lJ. ntspr;rj;jpdhy; ehd; Kjypy; Gw;jiuapy; fhzg;gl;l

rpq;fsj;jpy; vOjpa gdpj;Jspfs; fhy;fspy; gLkhW fztH ele;J Ntz;Lnkd;w Njit nry;fpwhh;. epWtdj;jpd;

Kfhikj;Jtg; gzpg;ghsH rkpe;j fl;… fl;… mtrukhf epyhd; gpughj;Jf;F Vw;gl;lJ. ,t;tsT FNuapd; Fuy; rfyupd; fhyKk; ,yq;ifapd; ghHitiaAk; jpirjpUg;gpaJ. nghUshjhuj;jpy; gpd;jq;fpa

epiyapy; ,Ue;j ,yl;rf;fzf;fhd kf;fSf;F epjp cjtpfis toq;fpa mtHfspd; ifj;njhopy; Nkk;ghl;Lf;F gq;fhw;wpaJld;

gpujpfis jkpo; nkhopf;F nkhopngaHg;G nra;jtH uNk\; rz;KfehjdhFk;. Vnddpy; vkf;F rpq;fsk;> jkpo; Mfpa ,U nkhopfspYk; tpsk;guk; nra;a Ntz;bAs;sjhyhFk;.

jk;Gs;is> rPfpupa Mfpa gpuNjrq;fspy; jhd; ,e;j ,uz;L

ehl;fSk; gbg;gpbg;G nra;ag;gl;lJ. #upad; kiwtjw;F nrhw;g tpehbfs; nra;gtHfs;>

,Uf;Fk; ,e;j Neuj;jpy; ehq;fs; vr;.vd;.gp.fpuhkpd; epWtdj;jpd; Milj;njhopyhsH Mfpa ehd;F mtHfspd; tho;f;ifj; juj;ij fz;lyk Fsj;Jf;F mUfhikapy; Kfhikj;Jtg; gzpg;ghsH gpujhd Jiwfisr; Nrhe;jtHfisAk; caHj;Jtjw;F fpuhkpd; epWtdk; vr;.vd;.gp.fpuhkpd; Gjpa gpurhu epiwNtw;W cj;jpNahfj;jH rkpe;j ,izj;Jf; nfhz;L xt;nthU toq;fpa caupa Nritfis ,e;j tpsk;gu glg;gpbg;ig ghHitapl;lthW gpughj; mtHfspd; rhHgpy; JiwapYk; xUtH NjHe;njLf;fg;gl;L tpsk;guq;fspd; Clhf ,Uf;fpNwhk;. Clfq;fs; Clhf jkJ ifj;njhopiy rpwpjhf vr;.vd;.gp.tq;fpapd; re;ijg;gLj;jy; ntspg;gLj;JtNj vdf;Fs;s ghupa ePq;fs; ,f;fhyg;gFjpapy; Nfl;Lk; Muk;gpj;J ghupa mstpy; njhlHghly; KfhikahsH cGy; rthyhFk; vd;W njuptpj;jhH. ,e;j ghHj;Jk; ,urpj;Jf; nfhz;bUf;Fk; tsHr;rpailtijg; Nghd;W vkJ njhdpg;nghUis mbg;gilahf mjpfhup mtHfs; cl;gl fpuhkpd; tpsk;guj;jpd; xU glf;fhl;rp glf;fhl;rpfs; gilf;fg;gl;Ls;sd. itj;J mr;R CopaHfs; Nkw;ghHitapy; ,e;j KbtilAk; re;jHg;gj;jpy;> ,e;j vr;.vd;.gp.fpuhkpd; Ez;epjpapdhy; tpsk;guk; kpfTk; rpwg;ghf xspg;gjpT glf;fhl;rpfis fhl;rpg;gLj;jpa tpjk; mtHfspd; ifj;njhopy; vt;tpjk;

njhlHgpy; nuhl;]; vd;l; nuhl;]; nra;ag;gl;lJ. tsHr;rpaile;jJ vd me;j

tpsk;gu re;ijg;gLj;jy; epWtdj;jpd; md;whl tho;it Kd;ndLg;gjw;F tpsk;guj;ij ghHg;NghH mwpe;J jahupg;ghsUk; gzpg;ghsUkhd Kaw;rpf;Fk; nfhs;sf;$bajhf khjt tpf;ukrpq;ftplk; vdJ

fhl;rpgLj;jg;gl;Ls;sJ.ghHitia nrYj;jpNdd;. mLj;j ed;kf;fs; thOk; ehl;bd; rfy

Clfj;jpy; xspgug;gg;gl;l rpwpa ftpijnahd;whd>

vr;.vd;.gp.fpuhkpd; tpsk;guk; nra;ag;gl;l tpjk;vr;.vd;.gp.fpuhkpd; tpsk;guk; nra;ag;gl;l tpjk;

kdek;gpf;ifNa ve;jnthd;iwAk; epiwNtw;w mbj;jskhFk;

2015 nrg;nlk;gH2015 nrg;nlk;gH nkn`tunkn`tunkn`tunkn`tunkn`tu


tpsk;guf; fijtpsk;guf; fij

mLj;j thuk; Kjy; GJg;nghopTld; cq;fs; fuq;fspy; . . . mLj;j thuk; Kjy; GJg;nghopTld; cq;fs; fuq;fspy; . . .

njhopYk; . . . tho;f;ifAk; rkhe;jukhf gazpf;Fk; vq;fs; tho;f;if mDgtj;ij ntspg;gLj;Jk; gj;jpupif. . .Rthu];akhf

04

eh

vr;.vd;.gp.fpuhkpd; epWtd fy;fKt fpis cj;jpNahfj;jHfs;vr;.vd;.gp.fpuhkpd; epWtd fy;fKt fpis cj;jpNahfj;jHfs;

vkJ gaz ntw;wpapd; gq;FjhuHfshfmtHfs; tpsq;fpiaik Nghw;Wtjw;FupaJ...vkJ gaz ntw;wpapd; gq;FjhuHfshf

mtHfs; tpsq;fpiaik Nghw;Wtjw;FupaJ...

gpuNjrq;fshd mtHfspd; FLk;g fy;fKitapy; ,Ue;J cWg;gpdHfSf;fhf FUehfiy tPjpapd; toq;fg;gLk; upjpngj;jp vy;y tiuAk;> mq;fj;jtH kw;Wk; mEuhjGuk; gFjpapy; fld; fhg;GWjp fy;fKitapy; ,Ue;J epjpaj;jpd; fPo; jyht fy;Net tiuAk;> kuzhjhu Gj;jsk; tPjpapy; nfhLg;gdthf uh[hq;fiz 15 tiuAk;> 335000&ghitAk;

FUehfiy gFjpapy; ehk; toq;Ftjw;F nghy;gpjpfk tiuapy; RkhH 122 eltbf;if

kj;jpa epiyaq;fs; vLj;Js;Nshk;. epWtg;gl;Ls;sd. ,e;j kj;jpa

,d;iwa jpdj;ij epiyaq;fs; Clhf rpW tpl vjpHfhyk; ifj;njhopYf;fhf vkJ epWtd l;Lf;F Njitahd rpwg;ghf mika mq;fj;jtHfSf;F fld; muprpia cw;gj;jp Ntz;Lnkd toq;fg;gl;Ls;sJ.nra;tjw;fhf cotHfspd; xt;nthU FLk;gg;

tpaHitj; Jspapdhy; vkJ mq;fj;jtHfs; gy;NtW ngz;Zk; cUthf;fg;gl;l ghupa Fsq;fSk; XH ifj;njhopy;fspy; <Lgl;L tUfpd;wdH. epidg;gJz;L. murhq;fj;ij ];jhgpg;gjw;fhd ika mtHfs; me;j tpahghuj;ij me;jf; fdit ,lkhf FUehfy;> fy;fKtit elj;Jtjw;Fk; mtHfs; Gjpjhf edthf;Ftjw;fhf $wpdhy; mJ kpifahfhJ. tuyhw;W tpw;gid epiyankhd;iw rfy ngz;fSk; rpwg;Gkpf;f ahg;g$t ,uh[jhdp Ml;rp Muk;gpg;gjw;Fk; Njitahd fld; gy;NtW nra;j> etPd khtl;lj;jpd; vy;iy trjpfisg; ngw;Wf; nfhLg;gJld; jpahfq;fis epHzaj;jpy; FUehfiy mtHfSf;F ,ytr MNyhrid nra;thHfs; vd;gJ khtl;lj;jpw;Fupa fy;fKt> fpuhkpa NritiaAk; ehk; toq;fp jpz;zk;. mjw;fhf kz;thrid nfhz;l gpuNjrkhf tUfpd;Nwhk;. ,d;W tiuapy; vkJ mtHfSf;F ehk; ,d;Wk; jpfo;tjw;F mk;kf;fspd; fpisapd; Clhf 2854 NgUf;F fld; ifnfhLj;J> Raeykw;w ciog;G fhuzkhFk;. toq;fg;gl;Ls;sJ. mtHfspd; tpahghu topNaw;gLj;jpf; mt;thwhd gpuNjrnkhd;wpy; Kd;Ndw;wj;Jf;fhf 409kpy;ypad; &gh nfhLg;gjd; %yk; Gj;jhz;Lf;F Kd;gpUe;J jdJ fldhf toq;fg;gl;Ls;sik tpNrl ijupakhf Kfk; Nritia toq;fp tUk; mk;rkhFk;. nfhLj;J ntw;wp vr;.vd;.gp.fpuhkpd; gpdhd;]; epWtdk; fy;fKft fpisia

vr;.vd;.gp.fpuhkpd; gpdhd;]; RgNeuj;jpy; Muk;gpj;jik epWtdk;> ,y. 349> mEuhjGuk; njhlHgpy; ,k;Kiw tPjp> fy;fKt

njhiyNgrp – 037 2253720kpd;dQ;ry; - [email protected]

vr;.vd;.gp.fpuhkpd; gpdhd;]; vjpHghHf;fpNwhk;. fy;fKt epWtdj;jpdhy;

fpisapd; nraw;ghLfs; njhlHgpy; ngw xU ehSk; gpd;thq;Ftjpy;iy. mwpKfg;gLj;jg;gl;bUf;Fk; Nrkpg;G mjd; KfhikahsH Etd;Fkhu ,JNt ehk; fle;j gjpide;J tUl jpl;lk; kw;Wk; Rtrf;jp> mgpyh\ kw;Wk; mtHfs; njuptpj;j fUj;J fPNo Nritapy; ngw;Wf; nfhz;l <rpNyhd; Mfpa fld;fSk; jUfpd;Nwhk;. mDgtkhFk;. Ez; epjpj;Jiwapy; ,f;fpisapy;

Kd;dzpapy; jpfOk; epWtdkhd eilKiwg;gLj;jg;gLfpd;wd. vr;.vd;.gp.fpuhkpd; gpdhd;]; epWtdj;jpd; vkf;F> tho;f;ifapy; ntw;wp ngw;w mq;fj;jtHfSF;F ehshe;jk; fpis tiyaikg;gpy; 40MtJ FLk;gq;fis cUthf;fpa ,lk;ngWk; nryTfis <L nra;Ak; ,lj;jpy; ,Uf;Fk; fy;fKt fpis ngUikf;Fupa gq;FjhuHfshf ,d;Wk; tifapy; cldbahf toq;fg;gLk; vr;.vd;.gp. fpuhkpd; fpis jpfo;fpd;Nwhk;. vt;tsT epjp “,yF fld;” jpl;lj;jpd; fPo; vkJ tiyaikg;gpy; 2006Mk; Mz;by; epWtdq;fs; Njhd;wpdhYk; mq;fj;jtH gps;isfspd; fy;tp ,ize;J nfhz;lJ. md;W ,Ue;J mtHfSf;F “vr;.vd;.gp.fpuhkpd;” nraw;ghl;Lf;F Njitahd nryTfis ,d;W tiuahd fhyg;gFjp tiu epWtdk; “vkJ fpuhkpDld;” ,ize;J g+Hj;jp nra;af;$bajhf ,Uf;fpd;wJ. ,g;gpuNjrj;jpy; cs;s nfhs;tjw;F mq;F gzpahw;Wk; ,jd; fPo; fle;j fhyj;jpy; khj;jpuk; 47 gy;yhapuf;fzf;fhd kf;fSf;F vkJ cj;jpNahfj;jHfs; “vkJ NrH” vd kpy;ypad; &gh mq;fj;jtHfSf;F Nritia ngw;Wf;nfhLf;f Kbe;jJ. miog;gjw;F mtHfs; cz;ikahf ,yFfld; jpl;lj;jpd; fPo; fy;fKt vd;gJ ,yq;ifapd; Vida Nritahw;w “vr;.vd;.gp.fpuhkpd;” toq;fg;gl;Ls;sJ. mq;fj;jtH kw;Wk; gpuNjrq;fSld; xg;gpLk; NghJ epWtdj;Jf;F KbAk; vd;gjhyhFk;.tptrhaj;Jiwf;F Kf;fpaj;Jtk; toq;Fk; gpuNjrkhf mwpKfg;gLj;j KbAk;. tpNrlkhf jHg+rzp> tl;lf;fha;> ntz;bf;fha;> ghrpg;gaW> nfsgp> Nghd;w jhdpaq;fs; ,g;gpuNjrj;jpy; ghupa mstpy; gapuplg;gl;Ls;sij fhzf;$bajhf ,Uf;fpd;wJ. mt;thNw> gpuNjr uPjpapYk; xt;nthU gapHr;nra;iff;F ngaH ngw;w ,lkhf fhzg;gLfpd;wJ. tpNrlkhf fspkz; rl;biag; Nghd;W fspkz;zpy; jahupf;fg;gLk; cw;gj;jpfSf;F nfNyfk> ghYfk Mfpa gpuNjrq;fs; kpfTk; gpurpj;jp ngw;witahFk;. nkjfk> jk;Gj;Njfk Mfpad fhshz; gapHr;nra;iff;Fk; gRk;ghy; cw;gj;jpf;Fk; thio gapHr;nra;iff;F kPXa gpuNjrKk;> fhy;Jilg;G> <f;fpy;> Jk;Gj;jb> gQ;R Mfpa cw;gj;jpfSf;F vfl;Ltht gpuNjrKk; gpuay;ak; ngw;W tpsq;Ffpd;wJ.

vr;.vd;.gp.fpuhkpd; gpdhd;]; epWtdj;jpd; fy;fKt fpis 2006Mk; Mz;L Muk;gpf;fg;gl;lJ. Nky; murq;ntt> fy;fKt vd;w Kftupapy; ];jhgpf;fg;gl;l fy;fKt fpis> 2013Mk; Mz;L ,y. 349> mEuhjGu tPjp> fy;fKt vd;w Kftupapy; Gjpa fl;blj;jpy; nraw;ghLfis vkJ thbf;ifahsHfspd; trjp fUjp ];jhgpf;fg;gl;Ls;sJ. fy;fKt efupy; ,Ue;J gy gpuNjrq;fSf;Fk; jdJ Nritia toq;fp fy;fKt fpisahdJ ,d;W tiu gy;yhapuf;fzf;fhd thbf;ifahsHfs; vkJ epjp epWtdj;jpy; nfhLf;fy;thq;fis nra;J tUfpwhHfs;. tpNrlkhf vkJ kj;jpa epiyaq;fs; epWtg;gl;Ls;s

vkJ nkn`tu rQ;rpifapd; fpis nraw;ghLfs; gFjpapd; Clhf nfhz;L tUtjw;F

vr;.vd;.gp.fpuhkpd; fy;fKt fpisvr;.vd;.gp.fpuhkpd; fy;fKt fpis

ntw;wpahsHfshf jpfo;tjw;F mr;rj;ij Kwpabf;f gofpf; nfhs;s Ntz;Lk;

gpuNjr KfhikahsHmkpy N`uj; gpuNjr fzf;fhsHuzpy; gpurhj;fpis KfhikahsHEtd; Fkhucjtp KfhikahsH epye;j Fkhuepjpg;gpupT gpujhdpJkpe;j rk;gj;ntspf;fs KfhikahsH #yq;f uj;dghyfzf;F cjtpahsH gpupayhy; rkpe;jfzf;F cjtpahsHfs;gpujPg; Vfehaf;fmDuhj rkuf;Nfhd;ntspf;f epiwNtw;W ee;jd ruj; cGy; Nuh`pj;jr[pj; jH\dkhjt gpNukuj;dep\hy; tpJ}rpfep\he;j Fkhu,\hd; uzrpq;fre;Jd; uh[gf;\Nrkpg;G epiwNtw;Wjpy;Uf;\ gpNukuj;d

#yq;f uj;dghyntspf;fs KfhikahsH

mkpy N`uj; gpuNjr KfhikahsH

uzpy; gpurhj;gpuNjr fzf;fhsH

Etd; Fkhufpis KfhikahsH

epye;j Fkhucjtp KfhikahsH

Jkpe;j rk;gj;epjpg;gpupT gpujhdp


HNBfpuhkpd;HNBfpuhkpd;


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

vr;.vd;.gp. fpuhkpd; fy;fKtfpis mYtyf cj;jpNahfj;jHfs;

05

nkjfk kw;Wk; jk;Gj;Njfk gpuNjrq;fis gpupf;Fk; vy;iyapy; fhzg;gLk; ghyj;jpw;F kW gf;fj;jpy; epHkhzpf;fg;gl;Ls;s filj;njhFjpfis mq;F nry;gtHfSk; tUgtHfSk; kpfTk; MHtj;Jld; ghHitapLthHfs;. me;j filj;njhFjpapd; 116MtJ filj; njhFjpapd; cupikahsH ky;fhe;jp Nkupad; gPup]; vd;gtuhFk;. vr;.vd;.gp. fpuhkpd; epWtdj;Jld; cwTfs; njhlHgpy; gpd;tUkhW fUj;Jf;fis njuptpj;jhH.ehd; ,e;j gof;filia Muk;gpf;f Kd;dH fhshd; cw;gj;jpapy; <Lgl;L te;Njd;. ,d;Wk; me;jj; njhopiy njhlHe;J nra;J tUtJld; gof;filiaAk; elhj;jp tUfpd;Nwd;. ehd; 2006Mk; Mz;L fpuhkpd; epWtdj;Jld; njhlHGfis Vw;gLj;jpf; nfhz;Nld;. fNyty fpisapd; %d;whtjhf Muk;gpf;fg;gl;l nkjfk kj;jpa epiyaj;jpd; jiytpahfTk; ehd; nraw;gl;L tUfpd;Nwd;. tpahghunkhd;iw elhj;Jk; NghJ Vw;glf;$ba epjpg; gpur;rpidfSf;F rfy re;jHg;gq;fspYk; vkf;F vr;.vd;.gp. fpuhkpd; ghupa rf;jpahf tpsq;fpaJ. ,e;j epWtdj;jpd; thuhe;j jtizf; fl;lz Kiw kpfTk; RygkhdJ. vdf;F kpfTk; tpUg;gk;. Vnddpy; vkf;F njupahkNyNa flid jpUg;gpr; nrYj;jf;$bajhf ,Ug;gjhyhFk;.ky;fhe;jp Nkupad; gPup];nkjfk>k`fy;flty

ehd; jpUkzk; Kbg;gjw;F Kd;dH ,Ue;Nj vdJ fztH N`hl;ly; njhopiy nra;J tUfpwhH. gy;NtW gpur;rpidfs; fhuzkhf ,e;j N`hl;lypd; tpahghuk; rw;W tPo;r;rpaile;jJ. ehd; 2006Mk; Mz;L fpuhkpd; epWtdj;Jld; njhlHGfis Vw;gLj;jpf; nfhz;Nld;. vkJ N`hl;liy gioa epiyf;F nfhz;L tUtjw;Fk; N`hl;ly; tpahghuj;Jf;F Njitahd epjpiag; ngw;Wf; nfhs;s Ntz;Lnkd;w Nehf;fj;jpYk; ehd; fpuhkpd; epWtdj;jpy; ,ize;J nfhz;Nld;. ehk; kPz;nlOtjw;fhd rf;jpahf ,Ue;jJ fpuhkpd; epWtdk; vd;why; mJ kpifahfhJ. ehd; jw;NghJ ,uz;L ,yl;rk; flidg; ngw;Ws;Nsd;. mk;gd; nghy efupy; fhzg;gLk; xNunahU N`hl;lyhd Rkp`pup N`hl;ly; cl;gl efuj;jpy; rp.b. tpw;gid epiyaKk;> nyhj;jH rPl;L tpw;gid epiyankhd;Wk; vdf;F ,Uf;fpwJ. mt;thW ,uz;L Kr;rf;fu tz;bfspy; vkJ N`hl;lypy; jahupf;fg;gLk; jpd;gz;lq;fs; efupy; cs;s Vida N`hl;ly;fSf;F tpepNahfpf;fg;gLfpd;wd. vdJ tpw;gid epiyaj;ij Muk;gpg;gjw;F vr;.vd;.gp. fpuhkpd; gy topfspy; cjtpfis toq;fpaJ. ,d;W ehd; mk;gd;nghy fpuhkpd; kj;jpa epiyaj;jpy; jiytpahf ,Ug;gjw;F vdJ tpahghuj;jpd; kPJk; vdJ tHj;jf epiyaq;fs; kPJk; itj;Js;s mjPj ek;gpf;ifapd; fhuzj;jpdhyhFk;.V.vk;.Nf. nkdpNf> Rkp`pup N`hl;ly;> mk;gd;nghy

ehk; kPz;nlOtjw;fhd rf;jpahf ,Ue;jJ fpuhkpd; epWtdk; vd;why; mJ kpifahfhJ

tpahghuj;ij ey;y epiyapy; itj;jpUg;gjw;fhf ehd;

fpuhkpd; epWtdj;jpy; ,ize;J nfhz;Nld; . . .gg;glk; vkJ cztpd; gpujhd czthf fUjg;gLfpwJ. gg;glk; rhg;gpLtjw;F ,yFthf ,Ug;gJld;> Urpahd czthf ,Ue;jhYk; mjid cw;gj;jp nra;tjw;F xU gbKiw fhzg;gLfpd;wJ vd;gJ gP.[p. Njtpfh rhe;jdpapd; gg;glk; cw;gj;jpia mtjhdpj;j NghJ vkf;F mwpe;J nfhs;s Kbe;jJ. ng];l; gg;glk;. ,J mtUila cw;gj;jpapd; ngaH. rupahd juq;fSld; cw;gj;jp nra;ag;gLk; gg;glk;> rupahd mstpy; kh fyitAk; ,lg;gl;Nl cw;gj;jp nra;ag;gLfpd;wJ. gy;NtW gbKiwfspd; gpd;dNu gg;glk; cw;gj;jp nra;ag;gLtJ ,e;jf; cw;gj;jpiag; ghHf;Fk; NghJ vkf;F GydhfpwJ. gg;glk; cw;gj;jpapd; ,Wjp epfo;thf gg;glj;ij rpwpJ Neuk; fha tpLtjw;fhf Njtpfh me;j ,lj;jpy; ,Ue;J vOk;gpaTld; gg;glk; cw;gj;jp njhlHgpy; vkf;F njuptpj;j rpy jfty;fis cq;fSld; gfpHe;J nfhs;fpNwhk;.“ehd; RkhH xd;gJ tUlq;fshf nra;J tUfpd;Nwhk;. Muk;gj;jpy; ehq;fs; ,UtUk; ,ize;Nj ,e;j cw;gj;jpia nra;J te;jJld; gbg;gbahf ,jid tsHr;rpailar; nra;a Ntz;Lnkd;w Nehfj;jpy; nraw;gl;L te;Njhk;. ehd; fle;j ehd;F tUlq;fSf;F Kd;dH vkJ tpahghuj;ij ey;y epiyapy; itj;jpUf;f Ntz;Lnkd;w Nehf;fj;Jld; fpuhkpd; epWtdj;jpy; ,ize;J nfhz;Nld;. Muk;gj;jpy; 25>000&ghTld; Muk;gpj;j vkJ nfhLf;fy; thq;fy; ehsiltpy; xU ,yl;rk; &gh flidg; ngw;Wf; nfhs;Sk; msTf;F khw;wkile;Js;Nsd;. vkJ cw;gj;jpfSf;F ey;y Nfs;tp fhzg;gLfpd;w NghjpYk; ehk; cw;gj;jp nra;Ak; nghUl;fis re;ijapy; nfhz;L nrd;W tpw;gid nra;tjw;fhd CopaH gw;whf;Fiw ghupa gpur;rpidahf fhzg;gLfpwJ. vt;thwhapDk; vkJ Kaw;rpia ,e;jsTf;F nfhz;L tUtjw;F vr;.vd;.gp. fpuhkpd; epWtdk; toq;fp tUk; gq;fspg;G rpwg;ghdJ”gP.[p. Njtpfh rhe;jdpfdd;fKt> kPfNyt.

fpuhkpd; epWtdk; vk;kPJ itj;Js;s ek;gpf;ifia njhlHe;J ghJfhg;gNj vkJ Nehf;fkhFk; . . . Rg;gH khHf;fl;Lfspy; gpurpj;jp ngw;w nghUshf tpw;gid nra;ag;gLk; japUf;F Njitahd rl;bia cw;gj;jp nra;J tUk; ngz;nzhUtiu fy;fKt> `GFk;Gu gpuNjrj;jpy; ehk; re;jpj;Njhk;. mtHfspdhy; jahupf;fg;gl;lJk; re;ijapy; gpurpj;jp ngw;w ,ae;jpuq;fs; gytw;iwg; gad;gLj;jp japH rl;bfs; cw;gj;jp nra;ag;gLfpd;wd. xU ehisf;F RkhH 2500,w;Fk; Nkw;gl;l japH rl;bfs; cw;gj;jp nra;af;$ba Mw;wy; FKjpdp [anfhbf;F ,Uf;fpd;wJ. ehq;fs; mtUila ifj;njhopy;rhiyapy; japH rl;bfis cw;gj;jp nra;J nfhz;bUf;Fk; NghNj re;jpj;Njhk;. ehd; MW> VO jlitfs; fpuhkpd; flidg; ngw;W cupa fhyj;jpy; jpUg;gpr; nrYj;jpAs;Nsd;. ehd; xUNghJk; ngupastpy; flidg; ngwtpy;iy. Njitahd NghJ Njitahd msTf;F khj;jpuk; flidg; ngw;W kPsr; nrYj;jpAs;Nsd;. fpuhkpd; mq;fj;jtHfshd vk;kPJ vr;.vd;.gp.fpuhkpd; mirahj ek;gpf;if itj;Js;sJ. mjidj; njhlHe;J ghJfhf;fNt ehk; tpUk;GfpNwhk;. vd;dplk; MW NgH njhopy; Gupfpd;wdH. epWtdnkhd;W vk;kplk; japH rl;bfis thq;Ftjhy; vkf;F tpepNahfk; nra;tjw;fhd gpur;rpidfs; ,y;iy. ehk; khjhe;jk; 40>000,w;Fk; Nkw;gl;l japH rl;bfis cw;gj;jp nra;fpNwhk;. ehk; ,e;j ,lj;Jf;F tUtjw;F topNaw;gLj;jpf; nfhLj;j fpuhkpd; fld; jpl;lk; njhlHgpy; ngUik miltJld; fy;fKt fpuhkpd; fpis cj;jpNahfj;jHfSf;F vkJ ed;wpfisAk; njuptpj;Jf; nfhs;fpNwd;.FKJdp [af;nfhb`GFk;Gw>fy;fKt.

vr;.vd;.gp. fpuhkpd; epWtd thuhe;j jtizf;fl;l Kiw kpfTk; RygkhdJ

kdpjd; ,t;tsT jhd; caHtilthd; vd;W $w KbahJ

2015 nrg;nlk;gH2015 nrg;nlk;gH nkn`tunkn`tunkn`tunkn`tunkn`tu

ntw;wpf; nfhbapd; mUfpy;

ntw;wpf; nfhbapd; mUfpy;

06

j

mjpf nrytpy; nra;ag;gLk; jpl;lkhf fUjg;gLk; ,e;j KiwahdJ fld; ngWk; rfy egHfsplKk; jfty;

jkJ epWtdj;jpd; Clhf toq;fg;gLk; nrd;wile;Jtpl;ljh vd;gij jPHkhdpg;gJ fld; njhlHgpy; nfhLf;fy; thq;fypy; kpfTk; fbdkhf tplakhFk;.

<LgLk; egUf;F mwpTWj;jy; kw;Wk;

mjD}lhf fld; ngWgtupdhy; flDf;F

tpz;zg;gpg;gJ Mfpad ,jd; %yk; me;je;j FOf;fis milahsk; fz;L vjpHghHf;fg;gLfpwJ. flidg; ngw;Wf; me;jf; FOf;fSf;F mwpTWj;Jk; nfhs;Sk; FO> fld; msT> tl;b tPjk;> Ntiyj;jpl;lj;jpd; %yk; toq;fg;gLk; vjpHghHf;Fk; jifik vd;gd njhlHgpy; flidf; Fwpf;Fk;. ,jpy; tptrhapfs;> cz;ikahd jfty;fis fld; ngWgtH flw;njhopyhsHfs; Nghd;Nwhiu ,yf;fhff; toq;f Ntz;Lnkd fld; ngWkhdk; nfhz;L $l;lhf fld; toq;FtJ Ntiyj;jpl;lj;jpd; Clhf njhlHgpy; mwpTWj;JtjhFk;. vjpHghHf;fg;gLfpwJ. ,jpy; njupT

nra;ag;gl;l FOit rupahf milahsk;

fhzy; kw;Wk; mtHfSf;F rupahd

jftiy toq;fp fld; ngWkhd msit

jpl;lkply; mtrpakhFk;. ngWkhd msit ek;gpf;ifahd thbf;ifahsHfs; Clhf NjHe;njLf;f $Ljyhd gzj;ij mwpKfkhd egHfSf;F jkJ fld; nrytpLjy; kw;Wk; mjid milahsk; njhlHgpy; mwpTWj;jp mtHfis jq;fsJ fhzg;gl;l FOTf;F rupahd Kiwapy; thbf;ifahsHfshf ,izj;Jf; nfhs;Sk; toq;F Kbahik Mfpad fhyk; kw;Wk; nraw;ghl;il thbf;ifahsHfs; Clhd gzj;ij tPz;tpuak; nra;tjw;F rkdhFk;. fld; toq;Fk; nraw;ghL vdyhk;.,jdbg;gilapy; me;je;j flDf;F Vw;g

w;Nghija r%f fl;likg;gpy; cs;sPL nra;J fld; ngWkhdj;ij

flidg; ngw;Wf; nfhs;tjw;fhd rupahd Kiwapy; eilKiwg;gLj;JtJ

gpurhukhf jpfo;tJ ,jw;F Kd;dH mtrpakhFk;. mtw;iw ehk; ,t;tpjk;

flndhd;iwg; ngw;wpuhj xUtUf;F fld; milahsk; fhzyhk;.

toq;FtjhFk;. ,jdhy; jhd; flidg; jkJ epWtdj;Jld; njhlHGila ngw;Wf; nfhs;s rpwe;j ,lnkhd;iwj; FOf;fSld; Neubahd njhlHgpid NjHe;njLf;f tpz;zg;gjhupfs; Kaw;rp NgzptUk; tpahghu epWtdq;fs; Clhf nra;Ak; NghJ jkJ epWtdj;jpd; mtHfspd; thbf;ifahsHfs; jfty;fisg; nfhs;iffs;> ngw;Wf; nfhz;L rl;lj;jpl;lq;fSf;F toq;fg;gLk; fld; Vw;g flid toq;f nraw;ghl;ilf; tpz;zg;gjhupfis Fwpf;Fk;. cjhuzkhf Cf;Ftpf;Fk; epjp Fwpg;gpLtjhapd;> cu epWtdq;fs; Nghl;b cw;gj;jp epWtdj;jpd; epWtdq;fSf;F thbf;ifahsHfshd kj;jpapy; mjid tptrhapfs; mile;J njhlHghd nfhs;tjhFk;. jfty;fisg; ngw;Wf; ,jdbg;gilapy; fld; nfhz;L me;j ngWjy; kw;Wk; flid tptrhapfSf;F fld; toq;Fjy; Mfpad toq;Fk; Nghl;bf;F kj;jpapy; Ntiyj;jpl;lj;ij ,J ,lk;ngWfpd;wJ Fwpf;Fk;. ,jd; %yk; vd;gij tpthjpj;jhy; me;j tptrhapfspd; mJ gpioapy;iy nraw;ghl;il vd;Nw $w Ntz;Lk;. Cf;Ftpf;f

KbAnkdTk; ,jd; mNefkhf flid %yk; cu toq;Ftjw;F Kw;gLk; cw;gj;jpfis mNjNtisapy; tptrhapfSf;F toq;fg;gLk; flid ,yFthf kPz;Lk; ngw;Wf; re;ijg;gLj;j nfhs;tjpy;

$bajhfTk; ,Uf;Fk;. mtjhdkhf ,Uf;f

Ntz;Lnkd;gJld; ,t;tpjkhd epjp epWtdq;fs; tpsk;gug;gLj;Jk; vjpHNehf;Fk; ghupa nraw;ghLfshy; fld; fld; tiffSf;F Vw;g Neubahf fld; rthyhfTk; ,J fhzg;gLfpd;wJ. ,jpy; ngWk; egHfis toq;ff;$ba egHfis milahsk; fld; ngw;Wf; nfhz;l egH jpwd;kpf;ftuhf milahsk; fz;L mtHfis jkJ fz;L mtHfsplk; nrd;W toq;fg;gLk;

fld;fis Neub fld; toq;Fk; nraw;ghL thbf;ifahsHfshf khw;wpaikf;Fk; ,y;iyah vd;gij NjHe;njLg;gJ epjp vdyhk;. NghJ fld; toq;Fk; epjp epWtdk; epWtdj;jpd; nghWg;ghFk;. ,t;tpjk; fld;

kw;Wk; fld; toq;Fk; cj;jpNahfj;jH ngWgtiu milahsk; fz;L flid filg;gpbf;f Ntz;ba kjpg;gPL nra;tJ xU gFjpahFk;. nraw;ghLfs; gy cs;sd. ,J njhlHgpy; ,jpy; nghWg;Gf;fs; midj;Jk; ,yj;jpuzpay; kw;Wk; mr;R Clfq;fspd; mLj;j thu ,jopypy; ehk; Fwpg;gpl fld; toq;fpa egiuNa Clhf tpsk;gug;gLj;jp toq;Fk; cs;Nshk;.nraw;ghl;il ,J Fwpf;Fk;. rhUk;.

fld; ngWkhdk; kw;Wk; fld; ngWgtiu

milahsk; fhzy;

$l;L fld; toq;Fk; Ntiyj;jpl;lk; (Cluster Promotion)

thbf;ifahsHfs; Clhd fld; toq;Fk;

nraw;ghL

(Client to Client Promotion)

tpahghu epWtdq;fs; %ykhf eilngWk;

fld; toq;Fk; nraw;ghL

(Business to Client Promotion)

Neub fld; toq;Fk; nraw;ghL

(Direct Promotion)

kiwKfkhf fld; toq;Fk; nraw;ghL (Indirect Promotion)

fld; ngWkhdk; kw;Wk; flDf;fhd tpz;zg;gg;gbtk;


gFjp 1

Ntz;Lnkd;Nw rl;lj;ij kPwhky;> kdpjd; ,aw;ifahf tho;tjw;F gofpf; nfhs;s Ntz;Lk;





gpiuk; fpuhkpd; ikf;Nuh gpdhd;]; fk;gdpapd;Kfhikj;Jt gzpg;ghsH / gpujk epiwNtw;W mjpfhup

rkpe;j gpughj; mtHfSldhd NeHfhziy fPNo jUfpd;Nwhk;

Micro Finance vz;zf;fU rpwg;G ghHit

f07

ep\he;jp rKj;uh Fkhup vr;.vd;.gp.fpuhkpd;> fy;fKt fpis

vkJ tho;f;ifia

Gjpa topapy;

mioj;Jr; nrd;wik

vjpHghuhj rk;gtkhFk;

ztH kw;Wk; mtUld; flikahw;Wk; khj;jpuk; epHkhzpj;Jf; njhopyhsHfshy; cw;gj;jp nfhz;Nlhk;. fhyk; ,t;thW nra;ag;gLk; g+r;rhb> rPNke;J fope;Jf; nfhz;bUe;j NghJ ehl;fhyp> fpupy; Ntiyfs;> nfhq;fpuPl; vkJ tho;f;ifapy; vjpHghuj

J}z;fs;> RtUf;F gjpf;Fk; ily;];fs; khw;wnkhd;W ,lk;ngw;wJ.vd;gdTk; rPNke;jpiaf; nfhz;L jahupf;fg;gLk;

vdJ fztupd; ez;gH xUtupd; nghUl;fs; gy tPl;L Kw;wj;jpd; xU gFjpapy;

nfhq;fpwPl; mr;R xd;W vk;kplk; fhzg;gl;ld. jkJ gps;isfs; ,UtUk;

,Ue;jJ. vdJ fztUk; me;j rPNke;J ehl;fhypapy; mkHe;J nfhz;L

mr;rpid tPl;bd; Xuj;jpy; Ltpl;NgHl; gwitfis myq;fhuk; nra;J

itj;jpUe;jhH. xU ehs; vdJ nfhz;bUe;jhYk; mjw;F tHzk; jPl;LtJ

fztH me;j mr;rpid vLj;J ep\he;jpapdhyhFk;. FLk;g cWg;gpdHfs;

rPNke;J J}z;fs; ,UgJ tiu midtUk; xd;whf ,ize;J ,e;j

jahupj;jhH. mt;thW nra;j J}z;fis Ntiyj;jsj;ij elhj;jpr; nry;tJld; “gpAkp

tPl;bd; Kd; itj;jhH. gpd;dH mf;fk; nfhq;fpupl; NtHf;];” vd;w ngaupy; jdJ

gf;fj;jpy; ,Ue;jtHfs; me;j J}z;fis tpahghuj;ij elj;jpr; nry;tij ehq;fs; jbj;j

60&gh nfhLj;J tpiyf;F thq;fpr; ehd; fpuhkpd; jiyikf; fhupahyaj;Jld; vOj;jpy; tPl;bw;F Kd;G ngauplg;gl;Ls;s ngaH nrd;whHfs;. ,J 1990Mk; Mz;L ,lk;ngw;wJ. njhiyNgrpapy; njhlHG nfhz;L fy;fKt gyifia ghHj;J mwpe;J nfhs;sf; $bajhf ,jid xU njhopyhf nra;a Ntz;Lnkd;w gpuNjrj;jpy; fpuhkpd; fpis Muk;gpf;fg;gLkh ,Ue;jJ. tPl;bd; Kw;Gwj;jpy; rfy ,lq;fspYk; vz;zk; mjd; gpd;dNu vkf;F Njhd;wpaJ. vd;W tpdtpNdd;. mtHfs; fy;fKt gue;J fhzg;gl;l nfhq;fpwPl; cw;gj;jpfSf;F mjd; gpd;dH ehk; g+r;rhb mr;RfisAk; gpuNjrj;jpy; ntFtpiutpy; fpis kj;jpapy; ele;J nrd;wJld; me;j tpiyf;F thq;fp rPNke;J g+r;rhbfisAk;> Muk;gpf;fg;gLk; vd;w nra;jp vdf;F fpilj;jJ. nraw;ghLfis ghHitapl;lthW kzy;> nfhq;fpwPl; J}z;fisAk; cw;gj;jp nra;Njhk;. 2007Mk; fy;fKt fpis khfyhtpy; rPNke;jp> fUq;fw;fs;> nfhq;fpwPl;fw;fSld; vdJ fztH Kr;rf;futz;b rhujpahf Muk;gpf;fg;gl;l NghJ mjd; KjyhtJ mtHfsJ ehshe;j tho;f;if fle;J ,Ue;jikahy; Muk;gj;jpy; ehd; jhd; ,jid mq;fj;jtH ehd;jhd;. vdJ tpahghuj;Jf;fhf nfhz;bUg;gijAk; fhzf;$bajhf ,Ue;jJ.

ehd; 10>000 &ghit fldhfg; mt;thNw> jhd; ngw;Nwd;. mjd; gpd;dH 15>000> fle;J te;j 25>000&gh tiu fld; ngw;Wf; fuL Kuzhd

nfhz;L vdJ tho;f;ifapd; tpaghuj;ij rpwg;ghf fle;j fhy elj;jpr; nrd;Nwd;.mDgtq;fis

njhlHghf ,d;W rfy ,lq;fspYk; vk;Kld; nfhq;fpwPl; cw;gj;jpfs; gfpHe;J

fhzg;gLtjhy; Kd;G nfhs;SkhW

Nghd;W ,yFthf mtUf;F re;ijg;gLj;Jmiog;G tJ rhjhuz tpLj;Njhk;. tplaky;y. vkJ

Nfhupf;ifia vdpDk; Vw;Wf; nfhz;l Gjpa> Gjpa ep\he;j rKj;uh Fkhup cw;gj;jpfs; kw;Wk; mtUila fztH> nra;J te;Njd;. Kr;rf;fu tz;b Xb tPl;Lf;F mwpKfg;gLj;Jtjhy; me;j Nghl;bf;F Kfk; Gjy;tpfs; jq;fsJ tho;f;if njhlHghf te;j gpd;dH fztH G+r;rhbAk;> nfhq;fpwPl; nfhLf;f Kaw;rp nra;a Ntz;bAs;sJ. ehk; ,t;tpjk; fUj;Jf;fis gfpHe;J nfhz;lhHfs;. J}z;fisAk; ,utpy; fz;tpopj;J nra;thH. Gjpjhf jahupj;j Nthy;ily; cw;gj;jp mjw;F

mtw;iw vkJ tPl;bd; Kd;dhy; itj;J vdJ nrhe;j fpuhkk; nghj;Jntt. rNfhju> rpwe;j Kd;DjhuzkhFk;. ,d;W ehk; gy tpw;gid nra;J te;Njhk;. rpwpJ rpwpjhf vkJ rNfhjupfs; ehy;tH nfhz;l FLk;gj;jpy; ehd; njhopyhsHfis <LgLj;jp ,e;jsT tpahghuj;ij ehk; tpUj;jp nra;Njhk;. mjd; ,uz;lhktH. gJis> td;dpehaf;f Njrpag; Kd;Ndw;wk; miltjw;Fk; vkJ gps;isfs; ,uz;nlhUtiu ehk; njhopYf;F ghlrhiyapy; caHjuk; tiu fy;tp fw;Nwd;. gy;fiyf;fofk; nrd;W fy;tp fw;gjw;Fk; mkHj;jpNdhk;. mjd; gpd;dH NkYk; gy ehd; 1989Mk; Mz;L jpUkzk; nra;J

KbAkhf ,Ug;gjw;F ,e;j cw;gj;jpfNs nfhq;fpwPl; J}z;fis nra;a Kbe;jJ. nfhz;Nld;. jpUkzj;jpd; gpd;dH vkf;nfd;W fhuzkhFk;. me;jsT ehk; vkJ tpaghuj;ij nfhq;fpwPl; J}z;> moF J}z;fs;> fpwpy; xU tPL ,Uf;ftpy;iy. ehDk; vdJ fztUk; fl;bnaOg;gpAs;Nshk;. vkJ tpahghuj;ij bird;> g+q;fh ehl;fhypfs; Nghd;w nfhq;fpwPl; vq;fs; FLk;gj;jpy; cs;stHfspd; tPl;by; xU

Ntiyfs; gytw;iw ehk; cw;gj;jp nra;Njhk;. rpwg;ghf Kd;ndLf;f vr;.vd;.gp. fpuhkpd; tUlk; tiu khwp khwp jq;fpapUe;J vk;khy; epHkhzpf;fg;gl;ltw;iw fy;Net> epWtdk; fy;fKt fpis KfhikahsH kw;Wk; tho;f;ifia Nghf;fpf; nfhz;bUe;Njhk;. vdJ uh[hq;fiz Nghd;w gpuNjrq;fSf;F nfhz;L fztH rhujpahf njhopy; Gupe;jhH. fztupd; vkJ kj;jpa epiya cj;jpNahfj;jHfspd; nrd;W tpepNahfpj;Njhk;. ehk; ELF mk;khtpdhy; gq;fspg;G> MNyhridfs; ghuhl;Lf;Fupad. nyhwpnahd;iw thq;fp vkJ cw;gj;jpfis mtUf;nfd;W xU mt;thNw fpuhkpd; epWtdj;jpd; jiytH cl;gl re;ijg;gLj;j cWJizahf ,Ue;jJ.Jz;L fhzp mYtyf cj;jpNahfj;jHfSf;Fk; ehd;

toq;fg;gl;lJ. mjpy; ,t;tpjk; vkJ tpahghuj;ij elj;jpr; ed;wpAilatHfshf ,Ug;gJld; vk; Nghd;w rpwpa tPnlhd;iw nfhz;bUe;j NghJ njhiyf;fhl;rpapy; fpuhkpd; nghUshjhu gpd;diltpy; cs;s epHkhzpj;Jf; epWtdk; njhlHghd tpsk;gunkhd;W xspgug;G gy;yhapuf;fzf;fhd kf;fSf;F epjp cjtp nfhs;Sk; Nehf;fpy; nra;ag;gl;lJ. mjpy; jk;Gj;Njfk gpuNjrj;jpy; nra;Ak; epjp epWtdj;Jf;Fk; jiytUf;Fk; mq;F nrd;Nwhk;. fpuhkpd; fpis Muk;gpg;gJ njhlHghd jfty;

njhlHe;J kf;fs; Nritapy; <Lgl;L mtHfspd; mt;thNw> xU Fwpg;gplg;gl;lJ. vkJ gpuNjrj;jpYk; fpuhkpd; tho;tpy; rkhjhdKk; nrsghf;fpaKk; epfo rpwpa miwia fpisnahd;W ,Ue;jhy; vt;tsT ed;whf gpuhHj;jid nra;fpNwd;.,Uf;Fnkd ehd; fUjpNdd;. mjd; gpd;dH

cq;fs; vz;zq;fNs ntspg;ghLfshFk;


fpuhkpd;rf;jp

mtupd; tsHr;rp


Mf;fk;kQ;Rs gpughj; n`l;bahuhr;rpglk; - yf;\;kd; FkhuJq;f

08

fpuhkpd; tho;f;ifapy; kwf;f Kbahj rk;gtk;:

KOg; ngaH :

gpwe;j jpfjp :

cq;fSf;F gpbj;j ghlrhiy:

Kjy; njhopiy ngw;Wf; nfhs;tjpy; vjpHnfhz;l rpukk;;:

ghlk;:

tpisahl;L. fpupf;fl;. tho;f;ifapy; kpfTk; re;Njh~khd fle;j fhyj;Jf;F nry;tjw;fhd ehSk;> Jd;gkhd ehl;fSk;: tha;g;G fpilj;jhy; tho;f;ifapy;

NjHe;njLf;Fk; rpwe;j fhyKk; mjw;fhd fhuzKk;:ghlrhiyf;fhyj;jpy; vjpHfhy

,yl;rpakhf ,Ue;jJ:

je;ij nghyp]py; nfhz;Nld;.flikahw;wpdhH. ,jdhy; vd;dNt vdf;Fk; nghyp]huhf vdJ je;ij nghyp]py; tuNtz;Lnkd;w flikahw;wpajhy; vkJ vz;zk; ,Ue;jJ. FLk;gk; mt;thwhd mt;thNw vdJ #oypy; tho;e;j kr;rhd;> rNfhjup FLk;gkhFk;. midj;Jk; ,d;DnkhU khkh tiuaiwf;F mikaNt MfpNahH nghyp]; ,lk;ngw;wJ. xU ehs; Jiwapy; vdJ fhypy; rpW flikahw;Wfpd;wdH. fhak; Vw;gl;ljhy; Fwpg;ghf vkJ FLk;gk; rg;ghj;J mzpa

rpjk;gugps;is xU nghyp]; Kbahj epiy nuh~hd; Jiwiag; Nghd;wJ. ehd; SI Vw;gl;lJ. ehd;

,d;lHtpt; nrd;Nwd;. mjd; NghJ 1981.03.26 nrUg;nghd;iw Ml;rp khw;wk; Vw;gl;lJ. vkJ mzpe;J ehd; epakdk; fhyjhkjkhdJ. ,t;tpjk; nfhz;L ,uz;L ghlrhiyfspy; fy;tp ,Uf;Fk; NghJ vdJ fhjyp ehd; fhupahyaj;fw;Nwd;. tTdpah ,uk;igf;Fsk; nghyp]; Jiwf;F nry;tij Jf;F ngz;fs; fy;Y}upapy; Muk;gf; tpUk;gtpy;iy. ,Wjpapy; mtsJ nry;y fy;tpiaf; fw;Nwd;. ,jpy; tpUg;gj;jpd; gb ehd; NtnwhU Kw;gl;l Mz;fSk; juk; 5 tiu fw;fyhk;. njhopiy njupT nra;a NghJ vdJ ,jdhy;> 6Mk; Mz;by; ,Ue;J Ntz;bNaw;gl;lJ. je;ij tTdpah jkpo; kj;jpa kfh

mjw;F tpj;jpahyaj;jpy; fy;tp fw;Nwd;. ehd; njhopiyg; vjpHg;G caHjuk; tiu me;jg;

ngWtjw;F me;jsT njuptpj;jhH. ghlrhiyapNyNa fy;tp fw;Nwd;. rpukg;gltpy;iy. 2000Mk; Mz;L nrUg;G vdf;F tTdpah jkpo; kfh caHjug; guPl;irapd; gpd;dH tPjp mzpe;J Mgp]; tpj;jpahyak; kpfTk; gpbj;j mgptpUj;jp mjpfhu rig guPl;irf;F nry;tjpy;iy ghlrhiyahFk;. me;jg; Njhd;wp mjpy; rpj;jpaile;J vd;W ghlrhiyapy; fpupf;fl;> fhy;ge;J RDAtpy; cjtp fzf;fhsuhf $wpdhH. kw;Wk; gy tpisahl;Lf;fspy; ehd; nraw;gl;l re;jHg;gk; ,d;Dk; ,Wjpapy; fye;J nfhz;Nld;. gy;NtW

md;W fhiy ,yf;fpa vdJ kidtp rq;fq;fspYk; kpfTk;

mq;fj;jtuhf f~;lg;gl;lhH.

,Ue;Js;Nsd;. cldbahf vq;fs; tPl;bd; mtiu ghupa itj;jparhiyapmOj;jq;fSf;F y;

Qhgfj;jpy; ,Uf;fpwJ. ,t;tpjk; nghyp]hiug; Nghd;Nw ehd; mDkjpj;Njhk;. vdJ kidtpf;F kj;jpapy; ehd; caHjuk; fw;Nwd;. njhopy; Gupe;J nfhz;bUe;j fhupahyak; nrd;Nwd;. fhak; ,Ue;j gpurH $bAs;sJ vd;gij mjd; ,jdhy;> vdf;F caHjug; guPl;ir re;jHg;gj;jpy; rdpf;fpoik ehl;fspy; fhYf;F nrUg;igAk; kw;w fhYf;F NghJ czHe;J nfhs;s Kbe;jJ. kpfTk; fbdkhf ,Ue;jJ. XupU

gps;isapd; capUf;F Mgj;J ehd; tTdpah fpuhkpd; fpisapy; rg;ghj;ijAk; mzpe;J nfhz;Nl Gs;spfs; tpj;jpahrj;jpy; Vw;glyhk; vd;W itj;jpaHfs; njhopy; Gupe;j vdJ ez;gH nrd;Nwd;. mJ khj;jpukpd;wp il gy;fiyf;fof tha;g;ig ,oe;jJld; $wpdhHfs;. ,jid ehd; rw;Wk; ypq;Nfi] ghHitapl nry;Ntd;. xd;iwAk; mzpe;J nfhz;L Mgp]; me;j tpuf;jpapy; ,uz;lhk; jlit vjpHghHf;ftpy;iy. vdJ rfy mtUf;F ehd; fpis fzf;Ffis nrd;wjhy; VNjh xU Gjpa kpUfk; guPl;irapy; Njhw;Wtjw;F ehd; fdTk; jfHe;J tpl;ljhfNt

nra;tjw;F cjtpAs;Nsd;. xU Mgp]; tUtijg; Nghd;W Kaw;rpf;ftpy;iy. fUjpNdd;. vdpDk; flTspd; ehs; n`l; xgp]py; ,Ue;J vy;NyhUk; GJikahf Gz;zpaj;jhy; rpNrupad; Kiwapy; fzpjk;. rpW taJ Kjy; fpisf;F te;jpUe;jpUe;jhHfs;. ehd; mtjhdpj;jhHfs;. VNjh N[hf;fiug; mk;khitAk; kfidAk;

fzpj ghlj;ij tpUk;gp fw;Nwd;. ahH vd;W ypq;Nf]plk; mtHfs; Nghd;W. itj;jpaHfs; fhg;ghw;wpdhHfs;. tpisahl;L Nfl;lhHfs;. mjw;F ypq;Nf];

fofnkhd;wpy; ,ize;J fpupf;fl; vd;id mwpKfk; nra;J itj;jhH. ehk; tpisahbNdd;. vdJ jfty;fisg; ngw;Wf; jpUkzk; Kbj;J ,uz;L

nfhz;L fpuhkpd; fpisapy; Mz;Lfspd; gpd;dNu vkf;F kw;wtHfisg; ,ize;J nfhs;s tpUg;gkh vd;W Foe;ij fpilj;jJ. 2011 nrg;lk; Nghd;W vdJ ghlrhiy nghyp]py;

14Mk; jpfjp vdJ tho;f;ifapy; Nfl;lhHfs;. ehDk; tpUk;gpNdd;. ,ize;J nfhs;s ,Ue;Njd;. vdJ kpfTk; re;Njh~khd ehshFk;. ehd; ,t;tpjNk fpuhkpdpy; ,ize;J

rpjk;gugps;is nuh~hd;gpuNjr fzf;fhsH

rpjk;gugps;is nuh~hd;gpuNjr fzf;fhsH

mjpfhuj;ijg; ngw ituhf;fpak; itg;gJ> ngwhikg;gLtJ Mfpa kdpjHfspd; ew;Fzky;y

nghyp]hiug; Nghd;W nrUg;Gk;> rg;ghj;Jk; mzpe;J nfhz;L fhupahyak; nrd;w ehl;fs;. . .





njhlHr;rp 09


cq;fSf;Fcq;fSf;Fcq;fSf;Fnjupahjnjupahj

ehd;ehd;ehd;

09

HNB fpuhkpd;HNB fpuhkpd;

Rtrf;jpRtrf;jpfy;fKt murq;nttiaj; jhz;br; nry;Yk; NghJ R[pj;jpd; kuf;fwp filAk;> kPd; tpw;gid epiyaKk; mq;Fs;stHfspd; ed;kjpg;igg; ngw;w filfshFk;. gy tUlq;fshf ,e;jj; njhopypy; <Lgl;L tUk; mtH epjpg; gpur;rpid Vw;gl;l NghJ R[pj; tpiuthf flidg; ngw;Wf; nfhz;lJ vr;.vd;.gp. fpuhkpd; epWtdj;jpdhyhFk;. tpahghupfSf;fhf mwpKfg;gLj;jg;gl;l Rtrf;jp fld; jpl;lj;jpd; %yNk mtH flidg; ngw;Wf; nfhz;lhH.rpW Kaw;rpahsHfshd vkf;F fhyk; kpfTk; Kf;fpaj;Jtk; ngWfpwJ. rpy kzp Neuq;fshtJ kpfTk; Kf;fpakhd tplankhd;Wf;fhf fhyj;ij tpuak; nra;tJ vkJ tpahghu Kaw;rpapy; ghupa jhf;fj;ij Vw;gLj;JfpwJ. tpahghuj;Jf;F epjpj; Njit Vw;gLtJ vjpHghuhj re;jHg;gj;jpyhFk;. me;j re;jHg;gj;jpy; tq;fpapy; fld; ngw Kw;gLk; NghJ nrhj;J tpguq;fisAk; rkHg;gpj;J gy;NtW tpz;zg;gq;fis g+Hj;jp nra;J gy thuq;fs; fhj;jpUf;f Ntz;baJld; gy;NtW f\;lq;fSf;F kj;jpapy; ehd; vr;.vd;.gp. fpuhkpd; Rtrf;jp fld; jpl;lj;jpd; Clhf ,yFthf flidg; ngw;Wf; nfhs;s KbAnkd;gjhy; ,ize;J nfhz;Nld;. ,e;jj; jpl;lj;jpy; vkf;F njupahkNyNa gzk; Nrkpg;G fzf;fpy; itg;gplg;gLfpwJ. mJTk; vkf;F ed;ikahFk;. fld; jtizg; gzj;ij mwtpl epWtd CopaHfs; vk;kplk; Neubahf tUif jUtjhy; f\;lkpd;wp jtizg;gzj;ij nrYj;j KbtJld; fhy tpuak; jtpHf;fg;gLfpwJ. V. R[pj; gpurhe;j,fy murq;ntt> fy;fKt

“flid kPz;Lk; nrYj;Jtjw;F f\;lg;glj; Njitapy;iy”“flid kPz;Lk; nrYj;Jtjw;F f\;lg;glj; Njitapy;iy”

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

08Mk; gf;f njhlHr;rp tpUj;jpf;F ghupa gq;fspg;ig flikahw;Wfpd;Nwhk;. mts; nryhd; toq;fpatH mtuhFk;. ehd; tq;fpapy; ehd; fpuhkpdpy;. 2009Mk;

tho;f;ifapy; kwf;f Kbahj xd;whf caHjuk; fw;W gl;lg;gbg;nghd;iw Mz;L ehd; gpur;rpidfSf;F ,Uf;ftpy;iy. ghlrhiy nry;yTk;> Nkw;nfhs;tjw;F fhuzkhf kj;jpapy; jpUkzk; Kbj;Njd;. vdJ tPl;Lf;F te;J ghlq;fis fw;fTk> ,Ue;jtH mtuhFk;. mts; rk;gsk; ntl;lg;gl;lJ. vkJ Nkyjpf tFg;GfSf;F nry;yTk;> epr;rakhf Jzpr;ryhd ngz;zhFk;. epWtdk; el;lj;jpy; ,aq;fpaikahy; khiy MW kzpf;F Kd;dH vkf;F ghupa gpur;rpidfis tPl;Lf;F tUjy; Nghd;w xU vjpHNehf;f Ntz;bNaw;gl;lJ. tl;lj;jpw;Fs; vdJ tho;f;if : caHjuk; fw;w mt;tpjk; ,Uf;Fk; NghJ nryhd; tiwaWf;fg;gl;bUe;jJ. ehd; 2001- gpd;dH 2001Mk; Mz;L ehd; tq;fpapd; Ky;iyj;jPT fpisapy; 2009Mz;L fhyj;ij kpfTk; fk;gpA+l;lH epiyak; xd;wpy; cjtp Kfhikahsuhf nry;tjw;F tpUg;gkhd fhykhf fUJfpNwd;. gapw;Weuhf nraw;gl;Nld;. me;jf; tha;g;G fpilj;jJ. vdpDk; ehd; mf;fhyg;gFjpapy; Rje;jpukhf fhyj;jpy; vd;id tpUk;Gk; fpuhkpd; epWtdj;ij tpl;L tpl;L jPHkhdnkLj;J nraw;gl;l fhykhFk;. ngz;nzhUtH vdf;F ,Ue;jhH. nry;ytpy;iy. md;W ehd; vLj;j

mtHjhd; [ddp. mts; jhd; vdJ Kbtpdhy; ,d;W vr;.vd;.gp.fpuhkpd; kidtp. Nghd;w tYthd epjp epWtdj;jpy; vdJ je;ij.

,t;thwhd gjtpnahd;iw mtH vq;fis kpfTk; fl;Lg;ghl;Lld; ngwf;$bajhf mike;jJ vdyhk;.tsHj;J te;jhH. flikia me;je;j : ehd; Ntiyg;gS

Neuj;jpy; nra;a Ntz;Lk;. ehd; kpFe;j kdpjuhFk;. gpuNjrj;Jf;F V.MH. uFkhd;xOf;fkhf tho Ntz;Lnkd;gij nghWg;ghd fzf;fhsuhf ehd; vdJ je;ijaplk; fw;Wf; flikahw;Wtjhy; gy fpisfspd; xU ghly; vd;W $w nfhz;Nld;. 2010Mk; Mz;L vdJ fzf;Ffis ghHitapl KbahJ. nky;ypirg; ghly;fSld; je;ij kuzpj;j gpd;dH ehd; Ntz;bAs;sJ. vdJ kidtp mHj;jKy;y ghly;fs; kpfTk; vt;thW tho;Ntd; vd;w vz;zk; tq;fpapy; flikahw;Wtjhy; vdJ gpbf;Fk;.vdf;Fs; ,Ue;jJ . . . ,d;W vdJ nghWg;gpid ed;F czHe;J vdJ

Expandable 2 jpiug;glk; je;ij ,Ue;jpUe;jhy; vdf;F ghupa Njitf;F Vw;g mtH nraw;gl;L rf;jpahf ,Ue;jpUf;Fk;. tUfpwhH. mt;thNw tho;f;ifapd; ifj;njhopYld;

rfy re;jHg;gj;jpYk; nefpo;Tg; njhlHGila jfty; njhopy;El;gk; Nghf;if filg;gpbf;Fk; Nghd;w JiwfSld; njhlHGgl;l ngz;zhfTk; mts; jpfo;fpwhs;.vdJ Kd;Nfhgk;. rw;W mjpfkhf ehty;fis tpUk;gp thrpg;Ngd;.

Nfhgk; te;jhy; mjidg; NghyNt ehd; ,d;Wk; midj;Jk; ,Uf;Fk;. rpy Ntis ehd; rfy thlif tPl;by; trpj;J ehd; nghyp]huhf re;jHg;gj;jpYk; xU tplaj;ij tUfpNwd;. vdf;F nrhe;jkhd flikahw;wpapUe;jhy; rupahf nra;tjw;F Kaw;rp tPnlhd;iw epHkhzpj;J vd;dthfpapUf;FNkh vd;W vdf;F nra;fpNwd;. njupahJ vd;w thHj;ij vdJ gps;isfSf;F njupahJ. vdf;F Kd;Nfhgj;ij vdf;F gpbf;fhJ. ehd; tho;f;ifapy; ey;y tho;f;ifiag; fl;Lg;gLj;j Ntz;ba Njit KOikahf jpUg;jpaile;Jtpl;ljhf mikj;Jf; Vw;gl;Ls;sJ. Vnddpy; vdJ ilf;F fUjtpy;iy. mjw;F ,ilapy; nfhLg;gjw;fhd #oiy kupahij nrYj;j Ntz;Lky;yth. ,Uf;fpNwd; vd;gNj rupahFk;. cUthf;fpf; nfhLg;gNj

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

kidtp. ehd; mt;thW nrhy;tjw;F vdJ kidtpAk; xU Jiwapy; fhuzk; vdJ tho;f;ifapd;

cq;fs; Kjy; fhjy; tho;f;ifapy; Vw;gLj;jpa khw;wk;

tho;f;ifapy; ,oe;j ngWkjpkpf;f egH my;yJ nrhj;J:

mtuplk; fhzg;gLk; tpNrl Fzhk;rq;fs;

gpbj;j ghlfH:

ghly;:

jpiug;glk;:

ehty;:

cq;fs; tho;f;if njhlHgpy; vjpHfhy ,yf;F:jpUg;jpailfpwPHfsh?

cq;fs; tho;f;ifapy; Kd;Ndhbahf fUJk; eguhf ,Ug;gtH:

khw;wpf; nfhs;s Ntz;L


ry;yp Njbf; nfhLj;jhr;R . . .,g;Ngh ehY khrKk; fopQ;rpUr;R!!!vq;Nf xU rjKk; kpr;rk; ,y;iyNa. . .vd;d `hkpNd ePq;f nra;Ak;Ranjhopy; . . . `; `; . . .!!

Ranjhopy; Kaw;rpnahd;Wf;fhf gzk; Nfl;lhy;. . . . ,y;iynad;W nrhy;tjpy;iy

,t;tsT fhyKk; g];]pw;Nf gzk;nfhLj;J nfhLj;J>,g;gbNa nrd;why; Nwhl;Lf;Fj;jhd; nry;y Ntz;bNaw;gLk;? . . .!

Mq; . . mNjh ghUq;fs; kfs; tUfpwhs; . . kw;wtHfs; ghHf;fpwhHfs;. vdf;nfd;why;mJ gw;wp vJTk; njupahJ. . .

i`a;Nah 4 khjkhfptpl;lJ

xU rjk; $l ciof;ftpy;iyNa? . . .

eP vd;d njhopy; nra;fpwha; vd;W

nrhy;Y ghHg;Nghk;. . .

`; `p . . .

moFf; fiy

MNyhrid

`; N`. . . vd;d nrhd;dha;

ePjhd; mjid nra;fpwhah?


khl;bq

;

jdf;nfd;W ,yf;fpid jPHkhdpj;J mjid miltjw;F jpl;lkpliy nra;tJ mtrpak;

10

vr;.vd;.gp.fpuhkpd;

rthy; fpz;zk;,k;KiwAk; Gj;jsk; fpisf;F

vr;.vd;.gp.fpuhkpd;

,k;KiwAk;

rthy; fpz;zk;Gj;jsk; fpisf;F

epfo;tpd; Muk;gkhfepfo;tpd; Muk;gkhf

mzp tPuHfis mwpKfg;gLj;jy;mzp tPuHfis mwpKfg;gLj;jy;

Nghl;bapd; ,ilapy;Nghl;bapd; ,ilapy;

fpuhkpd; mjpNtf tPuq;fizfpuhkpd; mjpNtf tPuq;fiz

fpuhkpd; moFuh[h ahH?fpuhkpd; moFuh[h ahH?jPHg;Gf;fhf fhj;jpUf;Fk;jPHg;Gf;fhf fhj;jpUf;Fk;

fpuhkpd; mjpNtf tPuHfpuhkpd; mjpNtf tPuH

cz;ikahd mjpH\;lk; jdJ Ra Kaw;rpapdhy; ngw;Wf; nfhz;l tskhFk;


vr;.vd;.gp.fpuhkpd; gpdhd;]; epWtdj;jpd; CopaH eyd;Gup rq;fj;jpdhy; tUlhe;jk; elj;Jk; vr;.vd;.gp.fpuhkpd; rthy; fpz;z khngUk; fpupf;fl; Nghl;bapd; ,Wjpg; Nghl;b nrg;nlk;gH khjk; 05Mk; jpfjp nfhOk;G 07> GSk;gPy;l; tpisahl;L ikjhdj;jpy; kpfTk; Nfhyhfykhf eilngw;wJ. gpuNjr uPjpapy; njupT nra;ag;gl;L ntw;wpaPl;ba 16 fpupf;fl; mzpfs; kw;Wk; jiyikf; fhupahyaj;jpd; ehd;F mzpfs; cl;gl nkhj;jkhf ,UgJ mzpfs; gq;Fgw;wpa ,g; Nghl;bapy; vr;.vd;.gp. fpuhkpd; rthy; fpz;zj;ij vr;.vd;.gp.fpuhkpd; Gj;jsk; fpis RtPfupj;Jf; nfhz;lJ. ,uz;lhtJ jlitahfTk; rthy; fpz;zj;ijg; ngw;Wf; nfhz;l Gj;jsk; fpis ,k;Kiw ,uz;lhkplj;ij kl;lf;fsg;G mzp ngw;Wf; nfhz;lik tpNrl mk;rkhFk;. rpwe;j ge;J tPr;rhsUf;fhd tpUjpid Gj;jsk; mzpapd; R[pj; rQ;rPt gpupajH\d ngw;Wf; nfhz;lJld; rpwe;j JLg;ghl;l tPuUf;fhd tpUjpid kl;lf;fsg;G fpisapd; <];tud; kPdtjh]; njupT nra;ag;gl;lhH. rpwe;j fsj;jLg;ghsUf;fhd tpUjpid kl;lf;fsg;G fpisapd; tP.Rfpe;jud; ngw;Wf; nfhz;lhH.fpupf;fl; Nghl;bfSf;F mg;ghy; E}W kPw;wH Xl;lg; Nghl;b> ge;JfSf;F ePH Cw;wp tPRk; Nghl;b kw;Wk; ngY}d; cilj;jy; Nghl;b> eifr;RitahsH Nghd;w tpNdhjg; Nghl;bfSk; Vw;ghL nra;ag;gl;bUe;jik md;iwa KO ehisAk; tpWtpWg;ghf;Fk; tifapy; mike;jpUe;jJ. fle;j tUlq;fspy; ,lk;ngwhj tpNrl Nghl;bahf ,k;Kiw vr;.vd;.gp.fpuhkpd; rthy; fpz;z khngUk; fpupf;fl; Nghl;bapf;F Nkyjpfkhf vr;.vd;.gp.fpuhkpd; moF uhzp kw;Wk; moF uh[h njupT nra;ag;gl;lik tpNrl mk;rkhFk;.vr;.vd;.gp.fpuhkpd; epWtdk; el;GwTld; rfyUk; ,ize;J xw;Wikahf Vw;ghL nra;j ,e;j Nghl;bahdJ tpNrlkhdJ vd;gJld; tUlh tUlk; kpfTk; rpwg;ghf eilngWtJ vr;.vd;.gp. fpuhkpd; mzpfspd; $l;Lg; gyk; ghupa rf;jpahf ,Ug;gjhf ,Wjpg; Nghl;bapd; Muk;g epfo;tpy; fye;J nfhz;l vr;.vd;.gp.fpuhkpd; Kfhikj;Jt gzpg;ghsH gpujhd epiwNtw;W cj;jpNahfj;jH rkpe;j gpughj; njuptpj;jhH. Nghl;bapd; guprspg;G tpoh kw;Wk; rhd;wpjo; toq;Fk; epfo;tpy; vr;.vd;.gp.fpuhkpd; epWtdj; jiytH n[hdjd; my]; mtHfs;> cg jiytH gp.gpNukyhy; mtHfs;> gzpg;ghsH jpUkjp re;jkpdp ngNuuh kw;Wk; gzpg;ghsH jpUkjp fpwprhe;jp jk;igah MfpNahH gpujk mjpjpfshf fye;J rpwg;gpj;jdH.


122015 nrg;nlk;gH

ngaH jpfjp fpisjpU. jpyq;f gj;krpwp nrg;nlk;gH 16 mtprhtisjpU. nuh`hd; cjaq;f nrg;nlk;gH 16 tj;jisjpU. jpD}\ cjaFkhu nrg;nlk;gH 16 gJisjpU. vr;.vk;.bgp. rQ;ra nrg;nlk;gH 16 [hvyjpU. mkPj cjaq;f nrg;nlk;gH 16 khj;jisjpUkjp. n\. V my;Nkjh nrg;nlk;gH 16 kj;JfkjpUkjp , ejP\hdp nrg;nlk;gH 16 `k;ghe;Njhl;iljpU. Jyhg; kJrq;f nrg;nlk;gH 16 ntd;dg;GtjpU. yf;gpupa Uf;rhe;j nrg;nlk;gH 16 fSj;JiwjpU. RNj\; rj;Juq;f nrg;nlk;gH 17 jiyikafk;jpU. Gj;jpf gpurhj; nrg;nlk;gH 17 jk;Gs;isjpU. `upe;J yre;j nrg;nlk;gH 17 fSj;JiwjpU. RNu\; rhku nrg;nlk;gH 17 fe;jsha;jpU. nuh\hd; jhuf nrg;nlk;gH 18 n`huidjpU. j.nfhjyhty nrg;nlk;gH 19 kj;JfkjpU. [df gpughj; nrg;nlk;gH 20 ntypkiljpU. re;jd Fkhu nrg;nlk;gH 20 ePHnfhOk;GjpU. Nf. fUzhfud; nrg;nlk;gH 20 tTdpahjpU. jupe;J Etd; nrg;nlk;gH 21 tj;jisjpU. gP. rJrd; nrg;nlk;gH 21 Ky;iyj;jPTjpU. nuh. re;jUtd; nrg;nlk;gH 21 gyhq;nfhiljpU. J\hd; [ajpyf nrg;nlk;gH 21 tj;jisjpU. jahgpupa rpy;th nrg;nlk;gH 22 mk;gyhq;nfhiljpU. Etd; [arq;f nrg;nlk;gH 22 mk;gyhq;nfhiljpU. rpte;j uh[gf;\ nrg;nlk;gH 22 jiyikafk;jpUkjp. rp j]ehaf;f nrg;nlk;gH 22 fnyd;gpe;JDnttjpU. nrh. tpf;ukrpq;f nrg;nlk;gH 23 fz;bjpU. jpD}\ Nf\hdp nrg;nlk;gH 23 mk;ghiwjpU. rupj Gj;jpf nrg;nlk;gH 23 khj;jisjpU. y. jp]hehaf;f nrg;nlk;gH 23 k`paq;fidjpU. \hDf gpujPg;Fkhu nrg;nlk;gH 25 [hvyjpU. rhku gpurhj; nrg;nlk;gH 25 ehtyg;gpl;bjpU. yf;rpj j rpy;th nrg;nlk;gH 25 fk;g`hjpU. fgpy vuge;Jgpl;ba nrg;nlk;gH 26 jiyikafk;jpU. yre;j rQ;rPt nrg;nlk;gH 27 jiyikafk;jpU. [gPH Rkd; nrg;nlk;gH 27 jpUNfhzkiyjpU. rd;d Fkhu nrg;nlk;gH 28 epl;lk;GtjpUkjp rpahkyp jpy;Uf;\p nrg;nlk;gH 28 rpyhgk;jpU. gpupae;j rpy;th nrg;nlk;gH 28 [hvyjpU. eprhe;jd; F&]; nrg;nlk;gH 28 kd;dhHjpU. nry;tuh[h epkyuh[; nrg;nlk;gH 28 kd;dhH jpU. vk;. tpf;Nd];tuuh[h nrg;nlk;gH 28 ky;yhtpjpU. rj;Juq;f Kdrpq;f nrg;nlk;gH 29 khj;jiwjpU. x]hd; ngNuuh nrg;nlk;gH 29 jiyikafk;jpU. fhkpdp; gpurd;d nrg;nlk;gH 29 ntypkiljpU. fahd; rk;gj; nrg;nlk;gH 30 fk;g`hjpU. Jthd; by;rhd; nrg;nlk;gH 30 jk;Gs;isjpU. v];. ghf;fpaehjd; nrg;nlk;gH 30 kl;lf;fsg;GjpU. Etd; jkpj; mf;NlhgH 01 mk;ghiwjpU. nrdj; ftpe;j mf;NlhgH 01 ntd;dg;GtjpU. mkpj; Nfkr;re;jpu mf;NlhgH 02 Gj;jsk;jpU. epHkhz FzNrfu mf;NlhgH 02 jiyikafk;jpU. jpy;\hd; nghd;Nrfhm mf;NlhgH 02 tj;jisjpUkjp. [Ptdp `q;rpfh mf;NlhgH 02 kjthr;rpjpU. ,e;Jdpy; rk;gj; mf;NlhgH 03 NffhiyjpU. rke;j re;jd mf;NlhgH 04 kjthr;rpjpU. Nuh`d mNgNrfu mf;NlhgH 05 ntypkiljpU. by;rhd; ngHzhe;J mf;NlhgH 05 ePHnfhOk;GjpU. re;jUtd; tpN[uj;d mf;NlhgH 05 mtprhtisjpU. uhkjh]; mutpe;jd; mf;NlhgH 05 tTdpahjpU. rkPukJrq;f mf;NlhgH 05 nj`paj;jfz;bjpU. fahd; vjpuptpf;uk mf;NlhgH 06 ngypaj;ijjpU. cghyp [atHjd mf;NlhgH 06 ntypkiljpU. jty mrq;f mf;NlhgH 06 fhypjpU. khjt rj;a[pj; mf;NlhgH 06 nff;fpuhtjpU. rhdf kJrq;f mf;NlhgH 06 epf;ftnul;bjpU. V. ujP]; mf;NlhgH 07 kl;lf;fsg;GjpU. urpf Njrgpupa mf;NlhgH 07 mk;gyhq;nfhiljpU. xfe;j [arpq;f mf;NlhgH 07 jiyikafk;jpUkjp. mDuhj rkuf;Nfhd; mf;NlhgH 07 fy;fKtjpU. uNk]; [aRe;ju mf;NlhgH 07 fk;g`hjpU. v];. gpujPgd; mf;NlhgH 07 aho;g;ghzk;jpU. n[g;up gHNjhykpA]; mf;NlhgH 07 tj;jisjpU. fae;j nghd;Nrfh mf;NlhgH 07 nkhul;LtjpU. Jthd; by;rhl; mf;NlhgH 08 `k;ghe;Njhl;iljpU. lgps;A.rQ;rPt mf;NlhgH 08 kjthr;rpjpU. tUd gpurhj; mf;NlhgH 08 mtprhtisjpU. re;Jd; uh[gf;\ mf;NlhgH 09 fy;fKtjpU. Utd; mr;ryq;f mf;NlhgH 09 fz;bjpU. MH. rj;auh[h mf;NlhgH 09 kl;lf;fsg;GjpUkjp gpughgpdp mf;NlhgH 09 fy;KidjpU. mkpy rhype;j mf;NlhgH 10 nghyd;dWitjpU. vd;. rpt&gd; mf;NlhgH 10 fy;KidjpU. Jrhd; cjhu mf;NlhgH 10 ,uj;jpdGupjpU. v];. f[d; mf;NlhgH 10 ney;ypabjpU. jpNd]; kJrq;f mf;NlhgH 10 fhypjpU. FkhH gpujPg; mf;NlhgH 10 kd;dhHjpU. rf;jp ngHzhe;J mf;NlhgH 10 efuf;fpisjpU. Ruq;f gj;jpud mf;NlhgH 10 NffhiyjpU.Nf.b. rk;gj; mf;NlhgH 11 fy;fKtjpU. gP. RjHrd; mf;NlhgH 11 kl;lf;fsg;GjpU. mkpy J\hu mf;NlhgH 11 nkhutfjpU. rupj; Ruq;f mf;NlhgH 12 fe;jsha;jpU. yypj; nuh`hd; mf;NlhgH 12 FUehfiyjpU. MH.RjHrd; mf;NlhgH 12 neLq;NfzpjpU. vd;.kNfe;jpu uF mf;NlhgH 13 jpUNfhzkiyjpU. N[.Fkhu Fzjh] mf;NlhgH 13 kjthr;rpjpU. mkpy rQ;rPt mf;NlhgH 13 jiyikafk;jpU. nftpe;J kypj; mf;NlhgH 13 [hvyjpU. tP. tpNdh[d; mf;NlhgH 13 Gj;jsk;jpU. mUz rpte;j mf;NlhgH 14 epl;lk;GtjpU. R[pj; gpupaq;fu mf;NlhgH 14 nkhutf;fjpU. mD\;f fahd; mf;NlhgH 14 ngypaj;ijjpU. rkPu epNuh\d mf;NlhgH 14 khj;jisjpU. ruj; FkhH mf;NlhgH 14 nkhduhfiyjpU. rj;Juq;f tpf;ukrpq;f mf;NlhgH 14 tj;jisjpU. ee;jd G];gFkhu mf;NlhgH 14 nkhutf;fjpU. jD\;f eypd; mf;NlhgH 14 jk;Gs;isjpU. gP. kJ];f mf;NlhgH 14 EtnuypajpU. jdQ;ra ehky; mf;NlhgH 15 ghyd;dWitjpU. Nahfehjd; fpUgh mf;NlhgH 15 neLq;Nfzp

vr;.vd;.gp.fpuhkpd; gpdhd;]; ypkpl;nll; fk;g`h fpisapy; Nritahw;wp tUk; cjtp KfhikahsH fahd; rk;gj; mtHfs; jpUkjp vd;.J\hupia fle;j Mf];l; khjk; 19Mk; jpfjp Rg Neuj;jpy; kzk; Kbj;Jf; nfhz;lhH. kztho;f;ifapy; ,ize;J nfhz;l jk;gjpfSf;F vr;.vd;.gp.fpuhkpd; gpdhd;]; ypkpl;nll;bd; jiytH cl;gl

gzpg;ghsH rig kw;Wk; rNfhju fhupahya cj;jp Nahfj;jHfs; mtUf;F ,jak; fdpe;j tho;j; Jf;fis njuptpj ;Jf; nfhs;fpd;wdH.

Rgkq;fsk;

Rgkq;fsk;

Rgkq;fsk;

fahd;-J\hup jk;gjpfSf;Ffahd;-J\hup jk;gjpfSf;F

kd;dhH fpis Gjpa fl;blj;jpy;vr;.vd;.gp.fpuhkpd; gpdhd;]; epWtd fpis nghJKfhikahsuhd mnd];yp ngHzhe;J> tiyaikg;gpd; 47MtJ fpisahd kd;dhH Utd; ngHzhe;J MfpNahUk; cjtp fpis Gjpa fl;blj;jpy; Mf];l; khjk; 28Mk; nghJKfhikahsH k`pe;j uj;dhaf;f cl;gl jpfjp nts;spf;fpoik fhiy 8.50 RgNeuj;jpy; vr;.vd;.gp. fpuhkpd; gpdhd;]; ypkpl;nll; ,Ue;J nraw;gl Muk;gpj;jJ. cj;jpNahfj;jHfs; kw;Wk; ngUe;jpushd ,t;tsT fhyKk; ,y. 28> nrd;l; NrHtpaH thbf;ifahsHfs; fye;J nfhz;ldH.kfspH fy;Y}up khtj;ij> rpd;df;fil> vr;.vd;.gp. fpuhkpd; epiyahd itg;G> ahY> kd;dhH Kftupapy; nraw;gl;L te;j kd;dhH vr;.vd;.gp.fpuhkpd; itg;G> kpAny]p rj;fhu fpisahdJ ,d;W Kjy; vtHNyl; xg; tpf;lup Nghd;w itg;Gfs; md;iwa jpdk; fl;blk;> Kjyhk; khb> gpujhd tPjp> kd;dH ngUksthd thbf;ifahsHfshy; Gjpjhf vd;w Kftupf;F khw;wk; nra;ag;gl;Ls;sJ. Muk;gpf;fg;gl;ld. mt;thNw mgpyh\> Gjpa fl;bl jpwg;G tpohtpy; Kfhikj;Jt Rtrf;jp> <]p Nyhd; Mfpa epjpr; Nritfis gzpg;ghsH / gpujhd epiwNtw;W fpis thbf;ifahsHfSf;F ngw;Wf; cj;jpNahfj;jH rkpe;j gpughj; mtHfs; tpNrl nfhLg;gNj jkJ Nehf;fk; vd ,q;F fUj;J mjpjpahff; fye;J nfhz;lhH. ,e;epfo;tpy; njuptpj;j kd;dhH fpis KfhikahsH gpypg; vr;.vd;.gp.fpuhkpd; gpdhd;]; ypkpl;nll; nghJ N`hkH mtHfs; nk`tuTf;F KfhikahsH (epjp) gpupayhy; muq;fy> gpujp njuptpj;jhH.

jtWfis milahsk; fz;L mjid rupnra;a xU NghJk; kwf;f Ntz;lhk;


nrg;nlk;gH> khj gpwe;j ehisf; nfhz;lhLk;

gpiuk; fpuhkpd; epWtd CopaHfSf;F

vkJ ,jak; fdpe;j ey;tho;j;Jf;fs;...!

mf;NlhgH

gpiuk; fpuhkpd; ikf;Nuh gpdhd;]; ypkpl;nll;,y. : 168> ehty tPjp> ENfnfhilnjhiyNgrp: 0112176262 ngf;]; : 0112825843

kpd;dQ;ry;: ,izak;:

gzpg;ghsH: rkpe;j gpughj; (Kfhikj;Jt gzpg;ghsH / gpujk epiwNtw;Wg; cj;jpNahfj;jH)

gpujk MrpupaH: kQ;Rs gpughj; n`l;bahuhr;rpgf;f tbtikg;G: Nf.b. \kpy rpe;jf (mH[{d fpuhgpf;]; (jdpahH) epWtdk;

fzzp jl;nlOj;J cjtp: rJupfh kJ\hdp

glg;gpbg;G: yf;\;kd; FkhuJq;f> jpypd jp]hehaf;f

[email protected]


he;jp rKj;uh Fkhup - HNB FINANCE...05 2015 nrg;nlk;gH nkn`tu

Documents

Transcript of he;jp rKj;uh Fkhup - HNB FINANCE...05 2015 nrg;nlk;gH nkn`tu