Memoria Proconsumidor 2012
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Transcript of Memoria Proconsumidor 2012
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_dpoj`ka Cfg`l`kala
@L[S@STSF LAK@FLAJ CDU_FSDKK@L CD JF[ CD_DKHF[
CDJ KFL[TG@CF_'U_F KFL[TG@CF_'
GDGF_@A @L[S@STK@FLAJ
'AF ?51?'
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LC@KD
U_D[DLSAK@L,,, 1
ALSDKDCDLSD[,,,,,, ;
UJASABF_GA D[S_ASN@KA* UFJS@KA[ P GSFCF[ CDAKK@L,, 4
G`s`l @lst`tuk`flaj,,,,, 4R`s`l @lst`tuk`flaj,,,,,, 4Rajfrds,,,,, 4Dmds Dstratn`kfs,, >Fomdt`vfs Dstratn`kfs,,,, >
D[S_TKST_A CD C@_DKK@L* KFL[DMF C@_DKS@RF P C@_DKK@L
DMDKTS@RA,,,,,,,,,,,,,,0Dstruktura Frnal`zak`flaj,,, 1?C`rdkk`l Dmdkut`va,,,,,,,,,,,,, 1;Dlkarnacfs Cdpartagdltajds,,,,,,,,,,,,,,,,,,,,,,,,,,, 1;Kflsdmf C`rdkt`vf,,,,,,,,,,,,,,,,,,,,,,,, 14
UJAL@B@KAK@L P CD[A__FJJF* FOMDS@RF[ P DMD[D[S_ASN@KF[ ,,, 10
HAK@A JA CD[KDLS_AJ@]AK@L* D[S_ASDN@A DBDKS@RADL ND[S@L ACG@L@[S_AS@RA,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, ??
KAUAK@SAK@L* ASDLK@L D @LKDLS@RF[ UA_A DJ CD[A__FJJFHTGALF,, ?3
ARALKD[ SDKLFJN@KF[,, ;5
DMDKTK@L U_D[TUTD[SA_@A,,, ;?
DCTKAK@L UA_A JA CDBDL[A CDJ KFL[TG@CF_,,, ;8
BFGDLSF P BF_SAJDK@G@DLSF CD JA[ F_NAL@]AK@FLD[ CDKFL[TG@CF_D[,,,,, 3>
U_@GD_A KFLGDGF_AK@L CDJ CA LAK@FLAJCDJ KFL[TG@CF_,, 42
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@L[UDKK@L P R@N@JALK@AAJGA P KF_A]L CD U_F KFL[TG@CF_,,,,,,,,,, 4>
QTDMA[ P _DKJAGAK@FLD[= ASDLK@L A CDLTLK@A[ CDJKFL[TG@CF_,,,,,, 22
KFLK@J@AK@L P [FJTK@L CD KFLBJ@KSF[,, 2>
@LSD_RDLK@L CDJ G@L@[SD_@F UOJKF ALSD @LB_AKK@FLD[CD JA JDP LGD_F ;48'54,,,,,,,,,,,,,,,,,,,,, 28
[FO_D _DN@[S_F[ CD KFLS_ASF[* A[FK@AK@FLD[ PKFLKT_[F[,,,, >5
AKK@FLD[ P DMDKTSF_@A[,,,,, >2
Kasfs Kfltrfvdrs`ajds,,,,,, >2
CDK@[@FLD[ CD JA C@_DKK@L DMDKTS@RA OA[ACA[ DL JA JDPQTD JF _@ND,,,, 05
AJD_SA[! JA UFOJAK@L _D[UFLCD KFL DLST[@A[GF ALSD JF[AR@[F[ CD U_FSDKK@L P _DKFGDLCAK@FLD[, 00
R@LKTJAK@L KFL F_NAL@[GF[ @LSD_LAK@FLAJD[P KFLBD_DLK@A[,,,,,, 154
KFLBD_DLK@A[ GAN@[S_AJD[ CD JA C@_DKK@L DMDKTS@RAP FS_F[ DLKTDLS_F[,,,, 158
A_S@KTJAK@L [FK@AJ* U_FGFR@DLCF CD_DKHF[ P TL@DLCFRFJTLSACD[,,,,,, 113
UF[@K@FLAG@DLSF* 2?$ CD JA UFOJAK@L KFLBA DLJA @L[S@STK@L,,,,,,,,, 110
_D[UFL[AO@J@CAC [FK@AJ @L[S@STK@FLAJ,,,,, 1?;
_DKFLFK@G@DLSF[ P AUFPF A JA ND[S@LCD U_F KFL[TG@CF_,,,,,, 1?3
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C
U_D[DLSAK@L
Dj ?51? garka dxaktagdltd jfs k`lkf afs cd dx`stdlk`a cdU_FKFL[TG@CF_* ja `lst`tuk`l cd ja acg`l`strak`l poj`ka qud dl guy
pfkf t`dgpf ha ndldracf kago`fs dl dj kag`lf cd ja kflstrukk`l cdj Dstacf
[fk`aj y Cdgfkrt`kf cd cdrdkhf qud prfkjaga ja kflst`tuk`l cdj ?2 cd dldrf cdj
?515,
Dl dj kfrrdr cd dstfs afs cdscd dj kfrazl g`sgf cd ja `lst`tuk`l sd hal cacf
pasfs para bfrtajdkdr jfs pr`lk`p`fs y vajfrds sford jfs qud sd bulcagdlta ja oasd
`lst`tuk`flaj kfgf sfpfrtd para ul akk`flar apdnacf a ja t`ka y a ja vfkak`l cd
sdrv`k`f cd kaca ulf cd jfs qud bfrgal dj dqu`pf cd sdrds hugalfs qud jaofral
dl djja,
Dj dqu`pf hugalf ha dltdlc`cf qud dj sdrv`k`f aj k`ucacalf ds su razl cd sdr*
pfr jf qud su aktuak`l ha s`cf o`dl vajfraca pfr ja pfojak`l qud sd dxprdsa dl
jfs nrupfs frnal`zacfs qud hal apfyacf ja ndst`l a jf jarnf cd dstfs k`lkf afs,
Dj ?51? bud ul af guy akt`vf dl U_F KFL[TG@CF_* cflcd ja `lst`tuk`l
rdaj`z ja pr`gdra `lvdst`nak`l k`dltb`ka* sd `lvfjukr dl dj s`stdga cd
`lbfrgak`l dl ja prfcukk`l avkfja* ja dvajuak`l cd jfs gatacdrfs*
kapak`tak`l sford prfcuktfs sdnurfs* dj rdt`rf cd prfcuktfs cdj gdrkacf d
`gpujs gdc`altd ula nua* jas oudlas prkt`kas kfgdrk`ajds dltrd jfs
prfvddcfrds cd o`dlds y sdrv`k`fs,
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D
Kfl dj galuaj cd oudlas prkt`kas sd ouska argfl`zar jfs `ltdrdsds dltrd
prfvddcfrds y kflsug`cfrds* kfgf ulf cd jfs fomdt`vfs a jfnrar a jarnf pjazf dl
ludstra `lst`tuk`l,
@gpujsagfs ula rdjak`l rdspflsaojd y sustdltaojd dl dj t`dgpf* dltrd jfs
andltds cdj gdrkacf kfgf ula gdta ajkalzaojd dl argfla kfl ja vfjultac
dxprdsaca dl akk`flds kflmultas dl ouska cd ja pdrbdkk`l y ja kaj`cac cd jfs
o`dlds y sdrv`k`fs qud fbrdkdl jfs prfvddcfrds para sat`sbakdr ja cdgalca cd ul
kflsug`cfr kaca vdz gs dx`ndltd y gdmfr `lbfrgacf,
U_F KFL[TG@CF_* bfrga partd cd ja kflstrukk`l cd jas dlt`cacds cd
sdrv`k`fs agparacf dl ja ludva v`s`l qud prfkjaga ula acg`l`strak`l poj`ka
db`k`dltd y db`kaz* tralspardltd* rdspdtufsa cdj frcdlag`dltf murc`kf kfl g`ras a
prfvddr aj k`ucacalf cd ul sdrv`k`f db`k`dltd,
Dstd af tago`l cdm vdr jas ldkds`cacds qud t`dld ja `lst`tuk`l para
kfltratar gs tkl`kfs* gs dspdk`aj`stas d `lstrugdltfs cd alj`s`s para ftfrnar
ul gdmfr sdrv`k`f kfgf jf cdgalca ja pfojak`l,
Kfgf sd pudcd aprdk`ar* hdgfs rdaj`zacfs dsbudrzfs pfr kugpj`r ja jdy y pdsd
a ja rds`stdlk`a lfrgaj a jfs kago`fs* hdgfs jfnracf qud as sda,
Ajtanrak`a Uauj`lf
C`rdktfra Dmdkut`va
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B
ALSDKDCDLSD[
Ja _dpoj`ka Cfg`l`kala ds s`nlatar`a cd ja _dsfjuk`l Lf, ;0'?38 cdj 0 cd
aor`j cd 1084* aprfoaca pfr ja Asagojda Ndldraj cd ja Frnal`zak`l cd jas
Lak`flds Tl`cas* dl ja kuaj dj Dstacf cfg`l`kalf sd kfgprfgdtd a sajvanuarcar
jfs cdrdkhfs cd jfs kflsug`cfrds,
Dl ac`k`l a dstd kfgprfg`sf `ltdrlak`flaj asug`cf* dj Kflnrdsf Lak`flaj
aprfo gdc`altd ja _dsfjuk`l Lf* ?'04* ja rat`b`kak`l cdj akudrcf cd Garraidkh
dl dj kuaj sd krda ja Frnal`zak`l Gulc`aj cdj Kfgdrk`f (FGK)* cdk`s`l qud bud
prfgujnaca pfr dj Ufcdr Dmdkut`vf dl bdkha ?5 cd dldrf cd 1004, C`kha
frnal`zak`l t`dld kfgf fomdt`vfs bulcagdltajds qud jas rdjak`flds kfgdrk`ajds
dltrd jfs pasds g`dgorfs* rdaj`kdl sus akt`v`cacds dkflg`kas cd bfrga taj qud
dstfs t`dlcal a djdvar jfs l`vdjds cd v`ca cd ja pfojak`l* jfnrar ul vfjugdl
kfls`cdraojd cd `lnrdsfs* cdgalca dbdkt`va* `lkrdgdltar jfs l`vdjds cd
prfcukk`l y prfcukt`v`cac* db`k`dlt`zar dj kfgdrk`f cd o`dlds y sdrv`k`fs*
acdgs cd krdar ul garkf murc`kf qud prftdma jfs cdrdkhfs cd jfs kflsug`cfrds y
usuar`fs,
Ja _dpoj`ka Cfg`l`kala sd `lsdrta dl dj nrupf cd pasds qud acdka su
jdn`sjak`l dl gatdr`a cd prftdkk`l cd jfs cdrdkhfs cd jfs kflsug`cfrds*
gdc`altd ja prfgujnak`l cd ja Jdy Ndldraj cd Urftdkk`l cd jfs Cdrdkhfs cdj
Kflsug`cfr f Tsuar`f Lf, ;48'54* dl bdkha 0 cd sdpt`dgord cd ?554,
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N
Dsta lfrgat`va krda dj @lst`tutf Lak`flaj cd Urftdkk`l cd jfs Cdrdkhfs cdj
Kflsug`cfr (Urf Kflsug`cfr)* kfgf dlt`cac dlkarnaca cd krdar ul dqu`j`or`f
dltrd kflsug`cfrds y prfvddcfrds* acdgs cd dstaojdkdr ul gdkal`sgf cd
`lspdkk`l y v`n`jalk`a cd o`dlds y sdrv`k`fs* ul s`stdga cd dcukak`l y
fr`dltak`l aj kflsug`cfr* gdkal`sgfs cd sfjuk`l cd kflbj`ktfs y ul rn`gdl
salk`flatfr`f para jfs kasfs cd v`fjak`l a ja g`sga,
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H
UJASABF_GA D[S_ASN@KA* UFJS@KA[ PGSFCF[ CD AKK@L
Dj @lst`tutf Lak`flaj cd Urftdkk`l cd jfs Cdrdkhfs cdj Kflsug`cfr* U_F
KFL[TG@CF_* krdacf pfr c`spfs`k`l cd ja Jdy lgdrf ;48'54 cd Urftdkk`l
a jfs Cdrdkhfs cdj Kflsug`cfr f Tsuar`f* ds ula `lst`tuk`l kuyfs fomdt`vfs sd
as`dltal dl galcatfs kflst`tuk`flajds y cd cdrdkhfs bulcagdltajds, Ha cdb`l`cf
su pfjt`ka y dstratdn`as cd akk`l k`gdltaca dl ja Dstratdn`a Lak`flaj cd
Cdsarrfjjf cd ja _dpoj`ka Cfg`l`kala* ?515'?5;5,
G`s`l
Urftdndr a jfs kflsug`cfrds y usuar`fs cd o`dlds y sdrv`k`fs* gdc`altd ja
apj`kak`l cd jas lfrgas murc`kas dstaojdk`cas,
R`s`l
[dr rdkflfk`ca a l`vdj lak`flaj d `ltdrlak`flaj* pfr su dbdkt`va jaofr dl ja
cdbdlsa cd jfs kflsug`cfrds y usuar`fs cd o`dlds y sdrv`k`fs* prfgfv`dlcf dj
kflsugf sustdltaojd d `ltdj`ndltd,
Rajfrds
[fj`car`cac= Kfgpart`r jas g`sgas foj`nak`flds* `ltdrdsds d `cdajds y
vfkak`l cd sdrv`k`f* kfl dj b`l cd kfltr`ou`r a gdmfrar ja kaj`cac cd v`ca cd jfs
kflsug`cfrds,
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@
_dspflsao`j`cac= Kugpj`r kfl db`k`dlk`a y db`kak`a jas tardas prfp`as cd jas
bulk`flds* asug`dlcf jas kflsdkudlk`as cd jas akk`flds,
Sralspardlk`a= Galdmar kfl hfldst`cac jfs rdkursfs qud sd c`spfldl*
hak`dlcf rdlc`k`l cd kudltas y ao`drtfs aj dskrut`l`f poj`kf,
Kfgprfg`sf= Asug`r jas bulk`flds kfl pas`l y rdspflsao`j`cac*
sat`sbak`dlcf kfl kaj`cac jas ldkds`cacds cd kflsug`cfrds y usuar`fs,
Jdajtac= Aktuar kfl b`cdj`cac krt`ka dl tfcf jf kflkdrl`dltd a ja frnal`zak`l*
cdbdlc`dlcf ja `lst`tuk`l y traoamalcf s`dgprd pfr dj jfnrf cd ja g`s`l,
Hfldst`cac= Aktuar kfl rdktf prfkdcdr dl kflkfrcalk`a kfl jfs vajfrds cd ja
vdrcac y ja must`k`a,
@cdlt`cac= Asug`r ja kujtura frnal`zak`flaj* aktualcf apdnacfs a jfs vajfrds
y pr`lk`p`fs `lst`tuk`flajds,
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M
Dmds Dstratn`kfs
1, Kfodrtura* Db`kak`a y Kaj`cac cdj [drv`k`f
?, Dcukak`l y Urfgfk`l
;, Ufs`k`flag`dltf y Art`kujak`l
3, Bfrtajdk`g`dltf @lst`tuk`flaj
Fomdt`vfs Dstratn`kfs
1, Bfrtajdkdr ja v`n`jalk`a y kfltrfj cdj gdrkacf* a b`l cd qud jfs
kflsug`cfrds y usuar`fs rdk`oal jfs prfcuktfs y sdrv`k`fs kfl ja
kaj`cac acdkuaca,
?, Bfrtajdkdr jfs gdkal`sgfs cd rdspudsta a jfs usuar`fs y dj rfj cd Urf
Kflsug`cfr kfgf rnalf Acg`l`strat`vf para ja sfjuk`l cd
kflbj`ktfs,
;, Urfgfvdr ula kujtura cd rdspdtf cd jfs cdrdkhfs cd jfs kflsug`cfrds y
usuar`fs* cdsarrfjjalcf dstratdn`as qud bavfrdzkal ja acqu`s`k`l cd
kfgpdtdlk`as y kflcuktas qud pdrg`tal ja tfga cd cdk`s`flds
rdspflsaojds dl gatdr`a cd kflsugf,
3, Ab`alzar ja krdc`o`j`cac y kflsfj`car dj pfs`k`flag`dltf cd ja
@lst`tuk`l gdc`altd ul kflmultf cd dstratdn`as kfgul`kak`flajds,
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I
4, Urfp`k`ar ja cdbdlsa cd jfs kflsug`cfrds y usuar`fs* gdc`altd ja
art`kujak`l y v`lkujak`l kfl `lst`tuk`flds poj`kas y pr`vacas,
2, Bfrtajdkdr jfs gdkal`sgfs lfrgat`vfs cd Urf Kflsug`cfr para
naralt`zar ul dbdkt`vf akk`flar cd ja `lst`tuk`l,
>, Bavfrdkdr dj jfnrf dbdkt`vf cd ja G`s`l y R`s`l @lst`tuk`flaj*
gdc`altd dj gdmfrag`dltf sfstdl`cf cd ja prfcukt`v`cac y cdsdgpdf
jaofraj cd ja `lst`tuk`l,
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J
D[S_TKST_A CD C@_DKK@LKFL[DMF C@_DKS@RF P C@_DKK@L DMDKTS@RA
Ja cds`nlak`l cd ja j`kdlk`aca Ajtanrak`a Uauj`lf kfgf c`rdktfra dmdkut`va cd
U_F KFL[TG@CF_* dj 0 cd sdpt`dgord cd ?550* gdc`altd dj Cdkrdtf lgdrf
2>0'50* aor` dxpdktat`vas y ludvfs rdtfs a ja acg`l`strak`l cd must`k`a y
apj`kak`l cd cdrdkhfs dkflg`kfs y sfk`ajds dl ja _dpoj`ka Cfg`l`kala,
As jf dltdlc` y asug` Uauj`lf kualcf dj dltflkds prds`cdltd cd ja
_dpoj`ka* Cfktfr Jdfldj Bdrllcdz _dyla* kflfk`dlcf su kagpf cd akk`l
kfgf prfbds`flaj cd ja kfgul`kak`l dl dj pas y partd cd ja sfk`dcac k`v`j
cfg`l`kala* ja dskfn` para fkupar ja C`rdkk`l Dmdkut`va cd U_F
KFL[TG@CF_ cd ja tdrla qud jd prdsdlt dj Kflsdmf C`rdkt`vf cd ja `lst`tuk`l*
cdj qud bfrgaoa partd* rdprdsdltalcf a ja Bulcak`l pfr jfs Cdrdkhfs cdj
Kflsug`cfr (BTLCDKFG),
P ahfra* kfl dj apfyf qud s`nl`b`k kfl ja rat`b`kak`l dl dj karnf a Uauj`lf*
aprfoaca pfr dj Kflsdmf C`rdkt`vf cd dltflkds* gx`gf frnal`sgf cd U_F
KFL[TG@CF_* gdc`altd _dsfjuk`l lgdrf 558'?511 cdj 15 cd anfstf cd
?511* ja c`rdktfra s`dltd aul gs kfgprfg`sf altd ja sfk`dcac cfg`l`kala qud
kaca ca dspdra cd ja `lst`tuk`l ula ndst`l cd gayfr prftdkk`l,
Ufr dstas k`rkulstalk`as* Uauj`lf akdpt dj ludvf cdsabf* kfltalcf kfl dj
rdspajcf rdk`o`cf cdj Kflsdmf C`rdkt`vf* qud* kflst`tuydlcf ja gx`ga autfr`cac
y rdprdsdltalcf c`vdrsfs sdktfrds* poj`kfs y pr`vacfs* rdbrdlca sus dmdkutfr`as
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CK
brdltd a budrzas dkflg`kas y cd pfcdr sfk`aj qud prfp`k`al nralcds
`rrdnujar`cacds dl pdrmu`k`f cd jfs kflsug`cfrds y* sford tfcf* cd jfs sdktfrds
gas vujldraojds cd ja pfojak`l, Dsta pfs`k`l jd pdrg`td kugpj`r kfl ja
rdspflsao`j`cac sfk`aj cdj Dstacf cfg`l`kalf dl rdjak`l kfl ja prftdkk`l y
cdbdlsa cdj kflsug`cfr, Dstf rdprdsdlta dspdralza y bd dl jas tardas y
pfs`o`j`cacds cd hakdr kugpj`r ja jdy,
Cdskalsa dl ja C`rdkk`l Dmdkut`va cd U_F KFL[TG@CF_* `lst`tuk`l
krdaca pfr ja Jdy lgdrf ;48'54 y qud sd r`nd pfr ul Kflsdmf C`rdkt`vf* ja
rdspflsao`j`cac cd apj`kar ja jdy cd prftdkk`l cdj kflsug`cfr y usuar`f* cd
dg`t`r rdsfjuk`flds y vdjar pfr dj kugpj`g`dltf cd dsta lfrgat`va,
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CC
Dj Kflsdmf C`rdkt`vf ds dj gx`gf frnal`sgf cd cdk`s`l cdj @lst`tutf
Lak`flaj cd Urftdkk`l cd jfs Cdrdkhfs cdj Kflsug`cfr (U_F KFL[TG@CF_)*
y ja C`rdkk`l Dmdkut`va* kfgf su lfgord `lc`ka* ds ja dmdkutfra y kflcuktfra cd
jas akk`flds y rdkursfs kft`c`alfs qud agdr`tdl jas k`rkulstalk`as y cdgalcas cd
cdbdlsa a jfs `ltdrdsds cd ja pfojak`l kflsug`cfra,
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CD
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CB
C`rdkk`l Dmdkut`va
J`kca, Ajtanrak`a Uauj`lf & C`rdktfra Dmdkut`va
J`kcf, Mual Hdrllcdz & [uoc`rdktfr Acg`l`strat`vf y B`lalk`drf
@ln, Lataladj Cd jfs [altfs & [uoc`rdktfr cd Fpdrak`flds
@ln, Mfs cdj Kargdl Rajdlzudja & [uoc`rdktfr cd Kffpdrak`l @ltdrlak`flaj y
cd Kaj`cac
J`kca, _`ta Nflzjdz & [uoc`rdktfra Skl`ka
J`kcf, Sdb`jf _`si Hart & suoc`rdktfr _dn`flaj* [alt`anf
Dlkarnacfs cdpartagdltajds
J`kca, Fjna Udz Ufjalkf & Dlkarnaca cdj Cdpartagdltf cd _dkursfs
Hugalfs
J`kcf, Gar`f Cfld Gfltajvf & Dlkarnacf cdj Cdpartagdltf cd Ujal`b`kak`l y
Cdsarrfjjf
J`kca, Ajoa Cd Gfya & Dlkarnaca cdj Cdpartagdltf cd Dcukak`l y
Fr`dltak`l
J`kcf, Bj`x Uumfjs Mdrdz & Dlkarnacf cd ja Kflsujtfra Murc`ka
J`kcf, Udcrf Kastrf & Dlkarnacf cdj Cdpartagdltf cd Kfgul`kak`flds
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CN
J`kca, Mfhally Dsthdr _agrdz & Dlkarnaca cdj Cdpartagdltf cd Sdklfjfna
cd ja @lbfrgak`l
J`kca, Dr`ia Gartd & Dlkarnaca cdj Frnal`sgf cd Kflk`j`ak`l
J`kcf, B`cdj cdj _fsar`f & Dlkarnacf cdj Cdpartagdltf cd @lspdkk`l y
R`n`jalk`a
J`kca, Ndfrn`la Bdrrd`ra & Dlkarnaca cdj Cdpartagdltf cd _dkjagak`flds
J`kcf, Bdj`pd R`l`k`f Kastrf & Dlkarnacf cd Kfgpras
J`kca, Lurys Rsqudz & Dlkarnaca cdj Cdpartagdltf Acg`l`strat`vf
J`kca, Iaty Ajdxalcra Savards & Dlkarnaca cdj Cdpartagdltf B`lalk`drf
J`kca, Kdk`j`a cdj Kargdl Uauj`lf & Dlkarnacf cd ja Fb`k`la cd [al Bralk`skf
cd Gakfrs
J`kca, [alta Anust`la Odkf Rarnas & Dlkarnaca `ltdr`la cd ja Fb`k`la cd [al
Udcrf cd Gakfrs
J`kca, Alcrda Nflzjdz Kast`jjf & Dlkarnaca cd ja Fb`k`la cd Oarahfla
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CH
Kflsdmf C`rdkt`vf ?511'?51;
G`dgorfs
Mfs cdj Kast`jjf [av`l* G`l`strf cd @lcustr`a y Kfgdrk`f & Urds`cdltd
Al`la cdj Kast`jjf & Urds`cdlta dl bulk`flds
K`rkd Ajglzar Gdjndl & _dprdsdltaltd cd dgprdsas prfcuktfras cd
gdrkalkas
G`janrfs Uudjjf & _dprdsdltaltd cd dgprdsas supj`cfras cd sdrv`k`fs
Ldjsfl G`laya y Mfaqul Juk`alf & _dprdsdltaltds cd jas frnal`zak`flds cd
cdbdlsa cd jfs cdrdkhfs cd jfs kflsug`cfrds
Ldjsfl Ngdz Gfskat & _dprdsdltaltd cdj sdktfr [ajuc
]f`ja Nflzjdz cd Nut`rrdz & _dprdsdltaltd cdj G`l`stdr`f cd Gdc`f
Ago`dltd
Ajtanrak`a Uauj`lf & [dkrdtar`a & C`rdktfra Dmdkut`va
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C@
C`rdkk`l Dmdkut`va
Dj @lst`tutf Lak`flaj cd Urftdkk`l cd jfs Cdrdkhfs cdj Kflsug`cfr (U_F
KFL[TG@CF_) cdsarrfjja y dmdkuta sus akk`flds kfl dj apfyf y
akfgpaag`dltf cd ul dqu`pf cd traoamf kfgprfgdt`cf kfl su g`s`l y
fomdt`vfs dstratn`kfs `lst`tuk`flajds* kflcuk`cf pfr ul pdrsflaj tkl`kf
prfbds`flaj qud fr`dlta su C`rdkk`l Dmdkut`va* a karnf cd ja j`kdlk`aca Ajtanrak`a
Uauj`lf,
J`kca, Ajtanrak`a Uauj`lf J`k, Mual Hdrllcdz J`kca, _`ta Nflzjdz
@ln, Lataladj cd jfs [altfs @ln, Mfs cdj Kargdl Rajdlzudja J`k, Sdb`jf _`si Hart
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CM
Dlkarnacfs Cdpartagdltajds
Kaca cdpartagdltf t`dld ula pdrsfla rdspflsaojd cdj traoamf cdj rda y para
djjf kudlta kfl c`v`s`flds cdpartagdltajds y sdkk`flds qud* a ja vdz* tago`l
t`dldl sus prfbds`flajds y tkl`kfs dlkarnacfs,
J`kca, Fjna Udz Ufjalkf J`k, Gar`f Cf Gfltajvf J`kca, Ajoa cd Gfya
J`k, Udcrf Kastrf J`kca, Mfhally Dsthdr _agrdzJ`k, Bj`x Uumfjs Mdrdz
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CI
J`kca, Dr`ia Gartd J`k, B`cdj cdj _fsar`f J`kca, Ndfrn`la Bdrrd`ra
J`k, Bdj`pd R`l`k`f Kastrf J`kca, Lurys Rsqudz J`kca, Iaty Ajdxalcra Savards
J`kca, Dr`ia Gartd J`kca, Kdk`j`a cdj Kargdl Uauj`lf J`kca, [alta Anust`la Odkf
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CJ
UJAL@B@KAK@L P CD[A__FJJFFOMDS@RF[ P DMD[ D[S_ASDN@KF[
Curaltd dj gds cd muj`f* bud cdsarrfjjacf dj tajjdr Kaj`cac cdj Kdltrf cd
Kfltaktf y cdj [drv`k`f cd @lspdkk`l y R`n`jalk`a* kfl dj prfps`tf cd
dgpfcdrar a tfcfs jfs dgpjdacfs `lvfjukracfs dl ja kacdla cd vajfr cd atdlk`l
aj k`ucacalf para or`lcar ul sdrv`k`f cd pt`ga kaj`cac dl jas akt`v`cacds y
bulk`flds rdjat`vas aj pudstf,
Uara dj cdsarrfjjf cd dstd tajjdr* sd anftarfl tdgas kfgf Kaj`cac cdj sdrv`k`f
cdj Kdltrf cd Kfltaktf y cd @lspdkk`l y R`n`jalk`a, [d c`skut` acdgs sford
dj rdc`sdf cdj akta cd `lspdkk`l y su kfrrdktf jjdlacf* dltrd ftrfs,
Dl ftrf frcdl* curaltd dj gds cd muj`f cd ?51?* sd `l`k` dj prfydktf cd
djaofrak`l cdj Galuaj cd pfjt`kas y prfkdc`g`dltfs d `lstrukt`vfs cd U_F
KFL[TG@CF_* kfltdlt`vf cd jfs j`ldag`dltfs ndldrajds y dspdkb`kfs* jfs
prfkdc`g`dltfs d `lstrukt`vfs cd traoamf para tfcfs jfs prfkdsfs rdaj`zacfs pfr dj
pdrsflaj cdj @lst`tutf* kfgf bfrga cd kfltr`ou`r aj gdmfrag`dltf cd ja kaj`cac cd
jfs sdrv`k`fs fbrdk`cfs,
Cd `nuaj gfcf* sd c`f `l`k`f a ja djaofrak`l cdj Galuaj cd Frnal`zak`l y
Bulk`flds kfltdlt`vf cd ja dstruktura frnal`zak`flaj* cd jfs frnal`nragas cd
pudstfs y cdskr`pk`flds cd pudstfs y pdrb`jds* dj kuaj prfvddr a kaca `ltdnraltd cd
ja `lst`tuk`l `lbfrgak`l kjara y prdk`sa sford jas bulk`flds y rdspflsao`j`cacds
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DK
cdj pudstf qud cdsdgpda9 dj rdsujtacf dspdracf cd su cdsdgpdf y dj `gpaktf dl
dj sdrv`k`f y cdsarrfjjf cd ja `lst`tuk`l,
Kflbfrgak`l cdj Kfg`t cd Kaj`cac cd U_F KFL[TG@CF_
Uara naralt`zar dj kugpj`g`dltf cd jfs fomdt`vfs dstratn`kfs y ja
`gpjdgdltak`l cd akk`flds cd gdmfras dlkag`lacas a cdsarrfjjar ula kujtura cd
kaj`cac dl dj go`tf `lst`tuk`flaj* sd muragdlt dj Kfg`t cd Kaj`cac qud ha
`l`k`acf dj traoamf kfrrdspflc`dltd para cdsarrfjjar jas akk`flds pdrt`ldltds* kfl ja
b`laj`cac cd kugpj`r kfl jf dstaojdk`cf dl dj gfcdjf cd Garkf Kfgl cd
Dvajuak`l (KAB* pfr sus s`njas dl `lnjds)* hdrrag`dlta qud pdrg`t`r aj sdktfr
poj`kf gdmfrar sus sdrv`k`fs y a ja vdz autfdvajuarsd,
Dj Kfg`t cd Kaj`cac cd U_F KFL[TG@CF_ dsta `ltdnracf pfr jfs
s`nu`dltds g`dgorfs=
1' @ln, Mfs cdj Kargdl Rajdlzudja & Kffrc`lacfr
?' J`kcf, Gar`f Cf & [dkrdtar`f
;' J`kca, Ajoa cd Gfya & G`dgorf
3' J`kca, Fjna Udz & G`dgorf
4' J`kcf, Bj`x Uumfjs & G`dgorf
2' J`kca, Dr`ia Gartd & G`dgorf
>' J`kca, _`ta Nflzjdz & G`dgorf
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DC
8' J`kcf, Mual Hdrllcdz & G`dgorf
0' J`kcf, Udcrf Kastrf & G`dgorf
Apj`kak`l cd ja pr`gdra dlkudsta cd kj`ga frnal`zak`flaj
Kfl ja b`laj`cac cd `cdlt`b`kar jas rdas cd fpfrtul`cacds para qud sd
`gpjdgdltdl akk`flds cd gdmfras qud sdrv`rl kfgf oasd para sfjvdltar jfs
rdqudr`g`dltfs y prfojdgas gal`bdstacfs pfr jfs sdrv`cfrds poj`kfs cdj @lst`tutf
Lak`flaj cd Urftdkk`l cd jfs Cdrdkhfs cdj Kflsug`cfr (U_F KFL[TG@CF_)*
sd `l`k` dl aor`j cd ?51? su pr`gdra dlkudsta cd kj`ga frnal`zak`flaj,
[d kfls`cdrarfl para dj go`tf cd apj`kak`l cd ja dlkudsta a tfcfs jfs
sdrv`cfrds cd U_F KFL[TG@CF_* `lkju`cfs jfs cd ja sdcd kdltraj y cd jas
fb`k`las rdn`flajds y prfv`lk`ajds,
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DD
HAK@A JA CD[KDLS_AJ@]AK@L* D[S_ASDN@ADBDKS@RA DL ND[S@FL ACG@L@[S_AS@RA
Atdlc`dlcf a jfs prdkdptfs y pfstujacfs qud r`ndl ula oudla acg`l`strak`l
poj`ka* y kfl ja dmdkuk`l cd prfkdsfs cd cdskdltraj`zak`l* pjaltdacfs kfgf
gdc`f cd dmdrk`k`f cdgfkrt`kf y cd k`ucacala* U_F KFL[TG@CF_ sd ha
prfpudstf jfnrar jfs gayfrds l`vdjds cd cdskflkdltrak`l* cdltrf cd sus
pfs`o`j`cacds* hak`dlcf cd dsta ula fpfrtul`cac para akdrkar jfs sdrv`k`fs qud
fbrdkd dj `lst`tutf a ja pfojak`l dl tfcas jas rdn`flds cdj pas, Uara ja sdjdkk`l
cdj junar cflcd sd dstaojdkd ula fb`k`la cd U_F KFL[TG@CF_ sd tfga dl
kudlta dj cdsarrfjjf dkflg`kf cd ja rdn`l* cdls`cac pfojak`flaj y ja uo`kak`l
ndfnrb`ka* cdscd dj pultf cd v`sta cd ja c`stalk`a dl qud dstl uo`kacas kfl
rdjak`l a jas nralcds k`ucacds,
Curaltd dstd af dj dxprds`cdltd cfktfr Jdfldj Bdrllcdz _dyla `launur dl
ja pjaza kfgdrk`aj cd Gdnakdltrf* ja Fb`k`la cd [drv`k`fs Kdltrf cd Atdlk`l
K`ucacala Uultf (NFO)* cflcd
rdld ja prdsdlk`a cd 31 sdrv`k`fs
cd 1; `lst`tuk`flds cdj Dstacf*
`lkju`ca ula cd U_F
KFL[TG@CF_* cflcd sd fbrdkdl
tfcfs jfs sdrv`k`fs `nuaj qud dl ja
sdcd kdltraj,
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DB
Kfl dsta apdrtura* sd sugal ul tftaj cd sd`s fb`k`las cd U_F KFL[TG@CF_
c`str`ou`cas dl c`bdrdltds pultfs dstratn`kfs cdj pas a c`spfs`k`l cd ja
pfojak`l kflsug`cfra,
Hasta dj gfgdltf* dj @lst`tutf fbrdkd sus sdrv`k`fs dl su sdcd kdltraj9 acdgs*
dl [alt`anf cd jfs Kaoajjdrfs* para ja _dn`l Lfrtd* dl [al Bralk`skf cd Gakfrs
para ja [uordn`l Lfrcdstd* dl [al Udcrf cd Gakfrs para ja _dn`l Dstd*
Oarahfla para tfca ja _dn`l [ur y dl dj pultf NFO* cd ja pjaza kfgdrk`aj cd
Gdnakdltrf dl [altf Cfg`lnf Dstd,
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DN
KAUAK@SAK@L* ASDLK@L D @LKDLS@RF[ UA_ADJ CD[A__FJJF HTGALF
Ja kapak`tak`l cdj pdrsflaj para dj cdsarrfjjf cdj kap`taj hugalf ds ul
fomdt`vf os`kf dl ja ndst`l cd kaj`cac y prfnrdsf frnal`zak`flaj cd U_F
KFL[TG@CF_,
Dstas kapak`tak`flds sd rdaj`zal atdlc`dlcf a jas ldkds`cacds cd jfs sdrv`cfrds
cd dsta `lst`tuk`l y kfl dj prfps`tf cd jfnrar ul gayfr rdlc`g`dltf y
dbdkt`v`cac dl dj kugpj`g`dltf cd sus jaofrds,
Curaltd dj pdrfcf dldrf lfv`dgord cd ?51?* dj pdrsflaj cd U_F
KFL[TG@CF_ ha part`k`pacf dl 18 kursfs y tajjdrds qud hal kfltr`ou`cf a su
bfrgak`l y a fpt`g`zar ja kaj`cac cd jfs sdrv`k`fs qud sd fbrdkdl dl ja
`lst`tuk`l,
Dltrd jfs kursfs y tajjdrds `gpart`cfs dst= Cdsarrfjjf cd Hao`j`cacds
C`rdkt`vas* J`cdraznf y Kfakh`ln* a karnf cdj j`kdlk`acf Gar`f Cf Gfltajvf*
dlkarnacf cdj Cdpartagdltf cd Ujal`b`kak`l y Cdsarrfjjf cd ja `lst`tuk`l,
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DH
Kfl dsta `l`k`at`va U_F KFL[TG@CF_ ouska kfltr`ou`r a ja bfrgak`l cd
pdrsflas rdspflsaojds* kfl ul j`cdraznf v`s`flar`f y tralsbfrgacfr* kfl
kapak`cac cd traoamf y fr`dltacf a rdsujtacfs,
Jas hao`j`cacds cdsarrfjjacas kfl dstd kursf sd anruparfl dl k`lkf
c`gdls`flds= hao`j`cacds pdrsflajds* tajds kfgf ja `ltdj`ndlk`a dgfk`flaj*
galdmf cd dstrs* aprdlc`zamd* kago`f* dgpumd y bjdx`o`j`cac* hao`j`cacds para dj
x`tf dl ula frnal`zak`l* kfgf agpj`tuc cd `ltdrdsds* krdat`v`cac d `llfvak`l*
fr`dltak`l aj jfnrf* tfga cd r`dsnfs* dltrd ftras,
Cd `nuaj gfcf* y kfl dj fomdt`vf cd jfnrar ajtfs l`vdjds cd `ltdnrak`l a travs
cdj kflfk`g`dltf pjdlf cd sus fomdt`vfs* cdsarrfjjf cd ja `ltdj`ndlk`a dgfk`flaj*
kfgul`kak`l* dskukha akt`va y gft`vak`l aj traoamf dl dqu`pf* bud `gpart`cf
pfr dj J`k, Gar`f Cf Gfltajvf* Dlkarnacf cd Ujal`b`kak`l y Cdsarrfjjf dj
tajjdr9 Sdag Ou`jc`ln* Gs ajjs cd ja pdr`k`a* `gpart`cf a tfcf dj pdrsflaj cd
jas fb`k`las prfv`lk`ajds cd ja `lst`tuk`l,
Urdg`f aj cdsdgpdf cdj pdrsflaj
Dl U_F KFL[TG@CF_ sd ha `gpjdgdltacf dj prdg`f aj Dgpjdacf cdj Gds*
kfgf bfrga cd rdkflfkdr dj dsbudrzf y ja jaofr rdaj`zaca pfr jfs kfjaofracfrds*
dl prfkura cd kugpj`r kfl ja g`s`l `lst`tuk`flaj,
Kaca gds sd jd ftfrna ul `lkdlt`vf dkflg`kf* ul kdrt`b`kacf cd
rdkflfk`g`dltf y ja puoj`kak`l cdj gdr`tf dl jfs c`bdrdltds gdc`fs cd
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D@
kfgul`kak`l `ltdrla cd ja dlt`cac (ofjdtl `lbfrgat`vf* guraj* kfrrdf djdktrl`kf
y pan`la wdo `lst`tuk`flaj),
;>42>3
'') ),..$2
'2) 4.&'&)
'$ ,').2$2
4) $)$.)
5.) 5&=52".
5$) '$.$&''''
),&) ;'=''.,)
&"' .'',
&5' 4.$4&"
Ja C`rdkk`l Dmdkut`va cdj `lst`tutf* kfl ja b`laj`cac cd gft`var aj pdrsflaj* y
a prfps`tf cd ja bdkha cd al`vdrsar`f cd ja `lst`tuk`l* qud sd kflgdgfra dj 0 cd
sdpt`dgord* dltrdna kaca af dj prdg`f a ja dxkdjdlk`a jaofraj,
Bj`x Uumfjs* Dlkarnacf cdj Cdpartagdltf Murc`kf cd ja @lst`tuk`l bud
sdjdkk`flacf kfgf dj dgpjdacf cdj af* gx`gf najarcl qud ftfrna U_F
KFL[TG@CF_ a sus dgpjdacfs pfr dj cdsdgpdf* jfnrfs y gdtas ajkalzacas a
bavfr cd ja `lst`tuk`l,
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DM
@lkfrpfrak`l aj [`stdga cd Karrdra Acg`l`strat`va
Dl kugpj`g`dltf kfl ja Jdy 31'58 cd Bulk`l Uoj`ka* budrfl `lkfrpfracfs ul
tftaj cd 15 sdrv`cfrds cd ja `lst`tuk`l aj [`stdga cd Karrdra Acg`l`strat`va*
prfkdsf galdmacf pfr dj G`l`stdr`f cd Acg`l`strak`l Uoj`ka (GAU),
Mfrlacas para ja prdvdlk`l y atdlk`l dl sajuc
Kfl dj fomdt`vf cd kfjaofrar kfl ja sajuc cd sus sdrv`cfrds poj`kfs* dj
@lst`tutf Lak`flaj cd Urftdkk`l cd jfs Cdrdkhfs cdj Kflsug`cfr (U_F
KFL[TG@CF_)* kflmultagdltd
kfl dj pdrsflaj cdj G`l`stdr`f cd
[ajuc Uuoj`ka* rdaj`z ula mfrlaca
gc`ka kfl kfjfkak`l cd
pasgdtrf* dl ja qud sd tfgarfl
gudstras para alj`s`s cd
hdgfnjfo`la* nj`kdg`a kfjdstdrfj HCJ y tr`nj`kr`cfs,
G`l`stdr`f cd [ajuc Uoj`ka vakula aj pdrsflaj cd U_FKFL[TG@CF_
Dj @lst`tutf Lak`flaj cd Urftdkk`l cd jfs Cdrdkhfs cdj Kflsug`cfr (U_F
KFL[TG@CF_) frnal`z dl su sdcd ula mfrlaca cd vakulak`l para prdvdl`r
dlbdrgdcacds dltrd su pdrsflaj dl r`dsnf pfr gal`pujak`l cd odo`cas y
aj`gdltfs,
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DI
Dltrd jas vakulas sug`l`stracas sd `cdlt`b`kal tfxf`cd tdtl`kf para tfcf dj
pdrsflaj* ja vakula para ja @lbjudlza para jfs dgpjdacfs gayfrds cd 45 afs y
para ja t`bf`cda para dj pdrsflaj dl r`dsnf pfr gal`pujak`l cd odo`cas y
aj`gdltfs* pfr kudst`flds cd rdspflsao`j`cac dl su traoamf,
Ja mfrlaca cd vakulak`l kflt kfl pdrsflaj cdj Urfnraga Agpj`acf cd
@lgul`zak`flds cd [ajuc Uoj`ka (UA@),
Kflbfrgak`l cdj Kfg`t cd [dnur`cac y [ajuc dl dj Sraoamf
Dl kugpj`g`dltf a jas c`spfs`k`flds dstaojdk`cas pfr dj G`l`stdr`f cd
Acg`l`strak`l Uoj`ka (GAU)* cd vdjar pfr ja prftdkk`l cd ja sajuc cd tfcas jas
pdrsflas* jas kflc`k`flds h`n`l`kas* dj saldag`dltf ago`dltaj* as kfgf prfkurar
jfs gdc`fs para ja prdvdlk`l y tratag`dltf cd tfcas jas dlbdrgdcacds
prfbds`flajds y akk`cdltds cd traoamf* bud kflbfrgacf dj kfg`t cd [dnur`cac y[ajuc dl dj Sraoamf cd U_F KFL[TG@CF_* `ltdnracf pfr jfs s`nu`dltds
g`dgorfs=
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DJ
1, J`kca, Ajtanrak`a Uauj`lf & C`rdktfra Dmdkut`va (Urds`cdlta)
?, J`kca, Fjna Udz Ufjalkf & Dlk, Cdptf, __,HH ([dkrdtar`a)
;, Cr, Uragf Ndrajcf Cfglnudz & Gc`kf (G`dgorf)
3, @ln, Mfs Cdj Kargdl Rajdlzudja & [uoc`rdktfr cd Kffpdrak`l
@ltdrlak`flaj y Kaj`cac (G`dgorf)
4, J`k, Udcrf Altfl`f Kastrf & Dlk, Cdptf, Kfgul`kak`flds (G`dgorf)
2, [r, Karjfs Galudj Kdrca & Dlk, [drv`k`fs Ndldrajds (G`dgorf)
>, J`k, Gar`f Cf Gfltajvf & Dlk, Cdptf, cd Ujal`b`kak`l y Cdsarrfjjf
(_dprdsdltaltd cd dgpjdacfs)
8, J`kca, Ajoa cd Gfya & Dlk, Cdptf, cd Dcukak`l (_dprdsdltaltd cd
dgpjdacfs)
0, Bj`x _abadj Uumfjs & Dlk, Cdptf, Murc`kf (G`dgorf)
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BD
DMDKTK@L U_D[TUTD[SA_@A
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BB
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37/129
BN
BN
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38/129
BH
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BM
@LN_D[F[ LF S_@OTSA_@F[(DLD_F ' LFR@DGO_D ?51?)
BTDLSD SFSAJ _C#
GTJSA[ ?*50?*5>2,?4
KFLS_ASF CD ACHD[@L >?*555
OA[D CD KFLKT_[F 2?*455
GALTAJD[ OUK 3>*555
KT_[F [R[U 434*585
SFSAJD[ ?*818*242,?4
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BI
DCTKAK@L UA_A JA CDBDL[A CDJKFL[TG@CF_
AKK@FLD[Akk`flds para Ja dcukak`l y Fr`dltak`l
Cdltrf cd jfs avalkds dl dj kugpj`g`dltf cdj Ujal Dstratn`kf @lst`tuk`flaj
qud pjaltda dj bfgdltf cd ja `lbfrgak`l* ja bfrgak`l y ja dcukak`l dl gatdr`a
cd kflsugf* acdgs cd prdstar dspdk`aj atdlk`l a jfs nrupfs y sdktfrds gs
vujldraojds* prfgfv`dlcf dj kflsugf `ltdj`ndltd cd o`dlds y sdrv`k`fs* U_F
KFL[TG@CF_ ha cdsarrfjjacf akk`flds cd fr`dltak`l dl c`bdrdltds junards cdj
pas,
Sago`l* a travs cd ja C`v`s`l cd Fr`dltak`l aj Tsuar`f* cdj Cdpartagdltf
cd Dcukak`l* sd hal c`str`ou`cf dl tfcas jas rdn`flds cdj pas* pfr c`vdrsfs
gdc`fs* ulfs 15>*553 vfjaltds y orfkhurds sford tdgas pultuajds dl jfs qud ds
ldkdsar`f fr`dltar aj kflsug`cfr,
;?>42>3
')5',.,&&5).$, DD0DNC
')5',6$").,6 DD0IKN
')5',6',55,&)6 DC0MKI
')5'6'),$).,5")'4
,5')6DD0CDJ
)$.&65.).,5")'.)'").
)'6 CI0BID
)$.&65&5)$,$$)6 HK
4, C0IIB
&'), CI0MJH
2>05==>
Budltd= Cdpartagdltf cd Dcukak`l aj Kflsug`cfr,'
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BJ
Ja dltrdna cd dstfs vfjaltds y orfkhurds sd hakd a jfs kflsug`cfrds dl junards
dstratn`kfs y dl jas vdltal`jjas y sajas cd dspdra cd `lst`tuk`flds ag`nas*
v`lkujacas a ja cdbdlsa cd jfs `ltdrdsds cdj kflsug`cfr,
Budltd= Cdpartagdltf cd Dcukak`l aj Kflsug`cfr,'
Budltd= Cdpartagdltf cd Dcukak`l aj Kflsug`cfr,'
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7/27/2019 Memoria Proconsumidor 2012
44/129
NC
Sajjdr= Sfcfs rdgalcf dl ula g`sga c`rdkk`l
Kfgf bfrga cd rdbfrzar y gft`var ja achds`l cd jfs dgpjdacfs y ja
`cdlt`b`kak`l kfl ja `lst`tuk`l* sd rdaj`z ul tajjdr dl dj qud part`k`p tfcf dj
pdrsflaj qud kflbfrga dj dqu`pf cd U_F KFL[TG@CF_, [d sfk`aj`z ja
pjatabfrga dstratn`ka* ja `gandl `lst`tuk`flaj* dj Galuaj cd `lcukk`l y ja
`gpfrtalk`a cd jas rdcds sfk`ajds para ja prdsdlk`a cdj @lst`tutf dl jfs gdc`fs
v`rtuajds,
Dstd tajjdr* kffrc`lacf pfr dj Cdpartagdltf cd Dcukak`l y Fr`dltak`l aj
Kflsug`cfr* dstuvf a karnf cd bak`j`tacfrds cd c`bdrdltds rdas cd ja `lst`tuk`l9
cdj Cdpartagdltf cd Ujal`b`kak`l y Cdsarrfjjf* dj j`kdlk`acf Gar`f Cf
Gfltajvf* dlkarnacf y ja j`kdlk`aca Kylth`a Or`tf* alaj`sta cd Urfkdsfs* qu`dlds
prdsdltarfl ja pjatabfrga dstratn`ka y dj Galuaj cd `lcukk`l,
Cdj Cdpartagdltf cd Dcukak`l* part`k`p dj j`kdlk`acf Pujy Gdrkdcds*
dlkarnacf cd ja C`v`s`l cd Fr`dltak`l aj Kflsug`cfr* qu`dl prdsdlt ja `gandl
`lst`tuk`flaj cd U_F KFL[TG@CF_* y Uj`l`f Ufjalkf* kffrc`lacfr cd ja
C`v`s`l cd [drv`k`f aj Tsuar`f cdj Cdpartagdltf cd _dkjagak`flds* qu`dl
cdsarrfjj dj tdga cd ja prdsdlk`a cdj @lst`tutf dl jas rdcds sfk`ajds,
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ND
Sajjdr= Urfcukk`l cd Urfnragas Dcukat`vfs para ja _ac`f
Dj ?5 cd muj`f cd ?51? sd rdaj`z ula akt`v`cac bfrgat`va kfl dj prfps`tf cd
prdparar rdkursfs hugalfs cd ja `lst`tuk`l kapakds cd cdsarrfjjar prfnragas
rac`ajds kfl jfs kr`tdr`fs tkl`kfs cd ja rac`f dcukat`va,
Dj tajjdr dstuvf a karnf cd Pal`ra U`lf* dlkarnaca cd _ac`f KSK cdj Cdspakhf
cd ja Ur`gdra Caga* y dstuvf c`r`n`cf aj pdrsflaj `lvfjukracf dl ja prfcukk`l
cdj prfnraga cd rac`f cd U_F KFL[TG@CF_ `lbfrga,
Dj Kdltrf cd Cfkugdltak`l augdlta su akdrvf o`oj`fnrb`kf
[drv`k`fs
Dj kdltrf cd Cfkugdltak`l ha or`lcacf sdrv`k`f cd kflsujta o`oj`fnrb`ka a
ul nral lgdrf cd usuar`fs* qud hal `lvdst`nacf tdgas sford= kfltratfs cd
achds`l* cdrdkhfs cdj kflsug`cfr* prftdkk`l cdj kflsug`cfr* kflsugf cd
aj`gdltfs* h`stfr`a cdj kflsugf* aro`tramd* dlcducag`dltf* tarmdtas cd krc`tf* nas*
dltrd ftrfs,
Ludvfs cfkugdltfs
Gdc`altd cflak`flds y kfgpras ha
`lnrdsacf a su akdrvf o`oj`fnrb`kf* bfjjdtfs*
j`orfs* KCs* CRC, Acdgs* sd ha aac`cf
ula `gpfrtaltd kalt`cac cd cfkugdltfs
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7/27/2019 Memoria Proconsumidor 2012
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7/27/2019 Memoria Proconsumidor 2012
48/129
NH
prfvdkhf para cdtdrg`lar ldkds`cacds cd `lstrukk`l dl gatdr`a cd kflsugf a ja
pfojak`l kflsug`cfra* tajds kfgf9 ja prudoa p`jftf cdj prfydktf cd
`lvdst`nak`l=
Ho`tfs cd kflsugf dl ja pfojak`l dl dcac dskfjar*
kflc`k`flds cd dxpdlc`f dl kabdtdras dskfjards* dltfrlf* supj`cfrds `lbfrgajds*
dvajuak`l sal`tar`a y kfltdl`cf lutr`k`flaj, Ftra dlkudsta rdaj`zaca bud ja
rdjat`va a jfs junards djdn`cfs para ja kfgpra cd jfs t`jds dskfjards* dl ja qud dj
>4$ cd jfs dlkudstacfs fpt kfgf junar prdbdr`cf para rdaj`zar sus kfgpras jas
pjazas kfgdrk`ajds,
[ford dj jjagacf ajca s`l pfjjf
Ja kflvfkatfr`a a ja pfojak`l cfg`l`kala* cd gs cd 14 frnal`zak`flds
kfgul`tar`as y cd kflsug`cfrds* a lf kflsug`r pfjjf dj gartds 1> cd muj`f cd
?51?* dl cdgalca cd rdamustd cd jfs grndlds cd nalalk`as cd prfcuktfrds y
c`str`ou`cfrds cd ja karld cd dsta avd* kfgf bfrga cd prftdstar pfrqud
kfls`cdrarfl qud dstaoal dspdkujalcf kfl jfs prdk`fs, U`c`drfl grndlds cd
nalalk`a musta dl dj prdk`f cd ja j`ora cd pfjjf,
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N@
Jas frnal`zak`flds kflvfkaltds aj ca s`l pfjjf rdkfrcarfl qud dj artkujf
pr`gdrf cd ja Jdy lgdrf ;48'54 qud krdf a U_F KFL[TG@CF_* sdaja qud
jas rdjak`flds dltrd prfvddcfrds cd o`dlds y sdrv`k`fs y jfs kflsug`cfrds y
usuar`fs cd jfs g`sgfs* cdodl carsd dl oasd aj pr`lk`p`f cd dqu`cac y ja
sdnur`cac murc`ka9 y dj artkujf 115* jdtra d cd ja g`sga c`spfs`k`l jdnaj*
kfls`cdra kfgf `lbrakk`flds guy nravds* ja apj`kak`l cd prdk`fs f grndlds
kfgdrk`ajds dl suga supdr`fr a jg`tds f pargdtrfs dstaojdk`cfs dl ja jn`ka cdj
gdrkacf* pfr jf qud rdkjagarfl a jas autfr`cacds poj`kas su `ltdrvdlk`l*
atdlc`dlcf a qud jfs kr`acfrds cd pfjjfs c`sbrutal cd gukhfs `lkdlt`vfs cd partd
cdj Dstacf* tajds kfgf tasa kdrf a ja `gpfrtak`l cd sdrv`k`fs y gaqu`lar`as*
cdvfjuk`l cdj @SO@[ dl ja kfgpra cd `lsugfs* dltrd ftrfs* acdgs cd qud sd jds
dj`g`l ja kfg`s`l kago`ar`a,
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NM
BFGDLSF P BF_SAJDK@G@DLSF CD JA[A[FK@AK@FLD[ CD KFL[TG@CF_D[
Atdlc`dlcf aj galcatf cd ja Jdy lgdrf ;48'54 qud dstaojdkd vlkujfs
`lst`tuk`flajds dltrd U_F KFL[TG@CF_ y jas frnal`zak`flds cd cdbdlsa aj
kflsug`cfr y usuar`f* dj @lst`tutf kudlta kfl ula Tl`cac cd Art`kujak`l [fk`aj y
Bfgdltf cd jas Frnal`zak`flds cd Kflsug`cfrds,
Altd dsta c`spfs`k`l jdnaj y dl dj `ltdrs cd kugpj`r kfl jfs fomdt`vfs cd ja
jdy* ja `lst`tuk`l ha rdaj`zacf ul prfnraga cd kapak`tak`l cd jcdrds yausp`k`acf cfs kflnrdsfs dl dsd sdktfr, Dj sdnulcf b`laj`z dj pasacf 3 cd anfstf,
Kfgf rdsujtacf cdj @ Kflnrdsf cd Asfk`ak`flds cd Kflsug`cfrds* rdaj`zacf
dl dj pas* sd h`zf ul c`anlfst`kf cd jas frnal`zak`flds y kfl dstf sd kfltr`ouy a
su bfrtajdk`g`dltf `lst`tuk`flaj* as kfgf tago`l aj bfgdltf cd ftras ludvas
dlt`cacds cd cdbdlsa aj kflsug`cfr,
Sajjdrds cd ajbaodt`zak`l c`n`taj y cd ndst`l
Kfgf partd cdj prfnraga cd bfrtajdk`g`dltf cd jas frnal`zak`flds cd
kflsug`cfrds y kfl dj prfps`tf cd
rdcuk`r ja ordkha c`n`taj* sd `l`k` ul
prfnraga cd dltrdlag`dltf dl
tdklfjfna cd ja `lbfrgak`l a
rdprdsdltaltds cd jas asfk`ak`flds qud
dstl cdo`cagdltd rdn`stracas dl dj @lst`tutf,
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NI
Sago`l sd rdaj`z dj tajjdr cd Ndst`l cd Frnal`zak`flds cd Kflsug`cfrds*
kfl dj fomdt`vf cd bfrtajdkdr y cdsarrfjjar kapak`cacds prfbds`flajds y ndrdlk`ajds*
cdskuor`r su rfj dl ja sfk`dcac gfcdrla y jas dstratdn`as para ja `lk`cdlk`a dl ja
andlca poj`ka acdgs cd kfgf `cdlt`b`kar y dvajuar jas bfrtajdzas y cdo`j`cacds
cd jas c`vdrsas bfrgas cd dstrukturas frnal`zak`flajds,
_dul`flds kfl jcdrds kfgul`tar`fs y cd frnal`zak`flds cdkflsug`cfrds
Kfl dj fomdt`vf cd bfrtajdkdr dj gfv`g`dltf cd kflsug`cfrds y jas
frnal`zak`flds kfgul`tar`as qud `lk`cdl dl kaca jfkaj`cac* sd jjdvarfl a kaof trds
rdul`flds kfl jcdrds cd [al Bralk`skf cd Gakfrs* [alt`anf cd jfs Kaoajjdrfs*
Jfs Ajkarr`zfs y Oarahfla, Dstuvf akfgpaacf cdj rdspflsaojd cd kffrc`lar jas
asfk`ak`flds cd kflsug`cfrds cdj Cdpartagdltf cd Dcukak`l cdj @lst`tutf* Carf
Idjjy* y cd su dlkarnaca* Ajoa Cd Gfya, Dl jfs dlkudltrfs* dj dxpdrtf kh`jdlf
Mfs Rarnas L`djjf haoj cdj _fj cd jas frnal`zak`flds cd kflsug`cfrds dl ja
cdbdlsa y prftdkk`l cd sus cdrdkhfs,
Dl [al Bralk`skf cd Gakfrs* Rarnas L`djjf part` cd ul c`anlst`kf cd jas
ldkds`cacds jfkajds dl ja qud jfs part`k`paltds jd dxprdsarfl su prdfkupak`l
sford jfs l`vdjds cd kfltag`lak`l cdj anua pftaojd y cd jas dlbdrgdcacds qud
dstl abdktalcf a jfs junardfs, Sago`l* cdj arrfmf cd cdspdrc`k`fs cd jfs
gatacdrfs y nralmas dl jfs rfs,
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NJ
Rarnas L`djjf haoj tago`l sford dj papdj cd jfs kflsug`cfrds y ja ldkds`cac
cd bfrmar jcdrds rdspflsaojds* kfgprfgdt`cfs* hfldstfs* c`spudstfs y kapakds cd
dlkarar jfs rdtfs cd ja kfgul`cac,
Dl su dxpfs`k`l sdaj qud dj Dstacf lf jf pudcd tfcf* qud cdod haodr ul
kfgprfg`sf a sdr asug`cf pfr ja sfk`dcac k`v`j,
[daj qud sta cdod sdr kapaz cd `cdlt`b`kar jas ldkds`cacds cd ja pfojak`l y
cdgalcar cd jas autfr`cacds* dj kugpj`g`dltf cd jas bulk`flds para jas kuajds
dstl cds`nlacas,
Jfs part`k`paltds akfrcarfl djaofrar ula karta'cfkugdltf qud rdkfndra tfcf
dj prfojdga pjaltdacf curaltd dj dlkudltrf, Dsta kfgul`kak`l cdodr sdr
rdbrdlcaca pfr dj nrupf y cdpfs`taca altd jas `lstalk`as cdj Nfo`drlf* cd jfs
ayultag`dltfs y altd jfs gdc`fs cd kfgul`kak`l* a b`l cd jjagar su atdlk`l
hak`a jfs rdqudr`g`dltfs pjaltdacfs,
Dl [alt`anf cd jfs Kaoajjdrfs* ja rdul`l kdjdoraca dl jas fb`k`las cd U_F
KFL[TG@CF_ kflt kfl ja part`k`pak`l cd ?5 pdrsflas cd c`bdrdltds
frnal`zak`flds* dl ja qud kaca ulf dxpusf sford dj anua pftaojd* ja
kfltag`lak`l cd anuas suotdrrldas* dj prdk`f cdj pfjjf y ja kaj`cac cdj sajag`,
Tla vdz dskukhacfs jfs pardkdrds cd jfs part`k`paltds* Rarnas L`djjf*
kflsujtfr `lv`tacf pfr U_F KFL[TG@CF_* haoj agpj`agdltd cd qu cdod
hakdr ula frnal`zak`l para jfnrar kflsfj`carsd y tdldr `lk`cdlk`a altd jas
autfr`cacds* y jds `lst a asug`r kfgf nrupf dj kfgprfg`sf dl cdbdlsa cd jfs
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HK
kflsug`cfrds* prfpudsta qud budra rdbrdlcaca pfr jfs prdsdltds* qu`dlds
cdk`c`drfl djaofrar ul cfkugdltf poj`kf kfltdlt`vf cd sus kfls`cdrak`flds dl
rdjak`l kfl jas ldkds`cacds pjaltdacas, Dstd cfkugdltf* aj `nuaj qud dj nrupf cd
[al Bralk`skf* sdr c`bulc`cf y dltrdnacf a jas autfr`cacds,
[d aofrc ja pfs`o`j`cac cd bfrgar ul ojfqud rdn`flaj cd frnal`zak`flds cd
kflsug`cfrds* a jf qud L`djjf sun`r` qud ja bfrga gs rdkfgdlcaojd cd
anjut`lar jas frnal`zak`flds ds traoamar tdgas kfgulds cd galdra kflmulta*
dstaojdk`dlcf ul pjal cd traoamf y dvajualcf jfs rdsujtacfs, Cd dsta galdra sd
kflsfj`ca ja kffpdrak`l y sd pfcra dltflkds dvajuar ja pfs`o`j`cac cd bfrgaj`zar
dsta aj`alza,
Dl ja kfgul`cac cd Jfs Ajkarr`zfs* Rarnas L`djjf bud `lv`tacf pfr ja
KFKCDJA a ul dlkudltrf kfl jcdrds y rdprdsdltaltds cd ja kfgul`cac, Tl tftaj
cd ;8 pdrsflas as`st`drfl aj dvdltf dl dj qud sd c`skut` sford aspdktfs cdj
j`cdraznf dl jas frnal`zak`flds* jfs prfojdgas cd jdn`t`g`cac cd jfs jcdrds y ja
`lk`cdlk`a cd dstas dlt`cacds dl ja kfgul`cac y dl jfs c`bdrdltds dstagdltfs,
Jfs as`stdltds sd rdb`r`drfl a jfs prfojdgas aktuajds qud dlbrdlta U_F
KFL[TG@CF_ kfl rdjak`l aj nas* dj sajag` y aj prdk`f cdj pfjjf, Rarnas L`djjf
jds fr`dlt sford ja bfrga cd `lk`c`r dl jfs c`bdrdltds rnalfs cdj Dstacf d `lkjusf
pjaltd qud kualcf lf sd fot`dld rdspudsta cd dstas* sd pudcd akuc`r a frnal`sgfs
`ltdrlak`flajds* tajds kfgf ja Frnal`zak`l Gulc`aj cdj Kfgdrk`f (FGK) y altd
ja Kfrtd @ltdragdr`kala cd jfs Cdrdkhfs Hugalfs,
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HC
Dl Oarahfla* dstd dlkudltrf* aj `nuaj qud jas kfgul`cacds altdr`frds* sd
kdjdor dl jas Fb`k`las cd U_F KFL[TG@CF_* kfl ja as`stdlk`a cd 2 pdrsflas
rdprdsdltaltds cd gdc`fs cd kfgul`kak`l* FLN* y nrupfs cd gumdrds cd
c`bdrdltds kfgul`cacds, Dstas sdajarfl* dl prdsdlk`a cd Rarnas L`djjf* ja
cdb`k`dlk`a cd jfs sdrv`k`fs poj`kfs* cd ja baor`kak`l cd dgout`cfs* ja vdlta cd
jfs kfgoust`ojds y jas gdc`k`flds,
Rarnas L`djjf jds gft`v para qud kaca ulf cdsarrfjjd su prfp`f pftdlk`aj* qud
sdal kapakds cd asug`r kfgf frnal`zak`l su prfp`a andlca y qud ula vdz
`cdlt`b`kacfs jfs prfojdgas hakdr tfcas jas ndst`flds altd jas `lstalk`as
kfgpdtdltds para jfnrar qud sus rdqudr`g`dltfs sdal atdlc`cfs,
[d arr`o a ul akudrcf cd prdsdltar ul cfkugdltf a ja sfk`dcac* y a jas
autfr`cacds sford sus ldkds`cacds* sus rdkjagfs y ja pfs`k`l qud kfgf
frnal`zak`l asugdl dl cdbdlsa cd jfs kflsug`cfrds* dl dj qud tago`l p`cdl aj
ludvf nfo`drlf dj rdspdtf a ja `lst`tuk`flaj`cac,
@@ Kflnrdsf cd Frnal`zak`flds cd Kflsug`cfrds=Hak`a dj Dgpfcdrag`dltf cdj Kflsug`cfr
Curaltd jfs cas ; y 3 cd anfstf cd ?51?* sd kdjdor dl dj hftdj Hagaka cdj
gul`k`p`f cd Ofka Kh`ka* dj @@ Kflnrdsf Cfg`l`kalf cd Frnal`zak`flds cd
Kflsug`cfrds* oamf dj jdga= Haka dj dgpfcdrag`dltf cdj kflsug`cfr,
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7/27/2019 Memoria Proconsumidor 2012
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HB
_`karcf Ganu`a* g`dgorf cdj nrupf asdsfr cd dxpdrtfs cdj Urfnraga
KFGUAJ* TLKSAC* tago`l `lv`tacf `ltdrlak`flaj* dxpusf dj tdga=
Kfgpdtdlk`a y prftdkk`l cdj kflsug`cfr,
_dprdsdltaltds cd frnal`zak`flds cd kflsug`cfrds cd ja _dpoj`ka
Cfg`l`kala aofrcarfl dj tdga= Avalkds y jdkk`flds aprdlc`cas* prdsdltacf pfr
jfs paldj`stas @vl Kul`jjdra* cd ACFU_FSDK9 [ajvacfr Ufjalkf* dxkflkdmaj cd
U_F KFL[TG@CF_ y rdprdsdltaltd cd ACDU_FKF9 Ksar [av`fl cd
A[FKFTU[A9 y Mfaqul Juk`alf* aktuaj kflkdmaj cd U_F KFL[TG@CF_ y
prds`cdltd cd BTLCDKFG,
Dl dj dvdltf sd aofrc acdgs* dj tdga cd jas S@Ks* kfgf hdrrag`dlta dl ja
cdbdlsa cd jfs cdrdkhfs cd jfs Kflsug`cfrds* ja dxpdr`dlk`a jat`lfagdr`kala y
dxpdr`dlk`a cd U_F KFL[TG@CF_* dxpudstf pfr Ajbfls`la Kudsta* c`rdktfra
dmdkut`va cd BTLCDKFG* y Uj`l`f Ufjalkf* dlkarnacf cd [drv`k`f aj Tsuar`f cd
U_F KFL[TG@CF_,
Kfgf rdsujtacf cd dstd kflnrdsf sd pudcdl cdstakar cfs `gpfrtaltds
djdgdltfs=
1, [u karktdr `ltdrlak`flaj* y
?, Ja cdkjarak`l cd Ofka Kh`ka* ja kuaj kfltdgpja Dlkarnar aj Dqu`pf cd
Kffrc`lak`l Dstratn`ka (DKFD)* dj sdnu`g`dltf a jas rdsfjuk`flds dg`t`cas
curaltd dj kflnrdsf,
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HN
Kagpaas rdaj`zacas cdscd dj Cdpartagdltf cd Dcukak`l ajKflsug`cfr
Cdscd ja C`rdkk`l Dmdkut`va cd U_F KFL[TG@CF_ y sus cdpartagdltfs*
dl dspdk`aj dj cd Dcukak`l y Fr`dltak`l aj Kflsug`cfr* sd kapak`ta aj pdrsflaj
cd ja `lst`tuk`l y sd rdaj`zal kagpaas cd sdls`o`j`zak`l y fr`dltak`l dl dj
`ltdr`fr cdj @lst`tutf y hak`a ja pfojak`l,
Curaltd dj pdrfcf dldrf lfv`dgord cd ?51?* U_F KFL[TG@CF_* acdgs
cd sus prfnragas cd dcukak`l kflt`lua* ha rdaj`zacf jas s`nu`dltds kagpaas
dcukat`vas=
Ludstrf c`ldrf* ludstrfs cdrdkhfs (Garzf ?51?)
Fomdt`vf= Kfltr`ou`r aj pfs`k`flag`dltf cdj ca 14 cd garzf (Ca Gulc`aj cd
jfs Cdrdkhfs cdj Kflsug`cfr) kfgf bdkha `gpfrtaltd para jfs kflsug`cfrds,
[dls`o`j`zar a ja sfk`dcac sford ja cdbdlsa cd sus cdrdkhfs b`lalk`drfs,
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HH
Tl kflsug`cfr `lbfrgacf t`dld pfcdr, Ds tu cdrdkhf
Kfl dj fomdt`vf cd fr`dltar y dgpfcdrar a ja pfojak`l para qud cdb`dlca sus
cdrdkhfs dkflg`kfs* U_F KFL[TG@CF_ frnal`z ula kagpaa dcukat`va cd
ajkalkd lak`flaj* curaltd dj gds cd fktuord* kfl dj tdga Tl Kflsug`cfr
`lbfrgacf t`dld pfcdr* ds tu cdrdkhf,
Dl Oarahfla* ja kagpaa arralk dj 0 cd fktuord* cflcd prfgftfrds y
dgpjdacfs cd U_F KFL[TG@CF_ sd jalzarfl a jas kajjds kfl ab`khds* st`idrs y
vfjaltds ajus`vfs a ja g`sga,
Ja kagpaa sd dxtdlc` a [alt`anf cd jfs Kaoajjdrfs cflcd dj dlkarnacf*
Sdb`jf _`si Hart* multf kfl dj pdrsflaj qud jaofra dl dsa k`ucac y prfgftfrds
rdkfrr`drfl jas zflas cdj K`oaf qud aoarka ja Fb`k`la _dn`flaj cd U_F
KFL[TG@CF_* qu`dlds asug`drfl kfgf dl Oarahfla* dj cdsarrfjjf cd ja
kagpaa Tl kflsug`cfr `lbfrgacf t`dld pfcdr* y sd cdspjazarfl pfr jfs
sdktfrds K`dl Budnf* Jfs Udp`lds* Dlsalkhd Odrgcdz* Jas Kfj`las* Jas Uaracas
cd Sralspfrtd Dsp`laj y J`kdy Aj Gdc`f* [fsa* Uudrtf Ujata y Lavarrdtd* cflcd
sd dltrdnarfl gatdr`ajds cd fr`dltak`l ajus`vfs aj kfltdl`cf cd ja Jdy lgdrf
;48'54 para qud kflfzkal y cdb`dlcal sus cdrdkhfs kfgf kflsug`cfrds,
Dsta g`sga `l`k`at`va sd jjdv a[al Bralk skf cd Gakfrs* cflcd ja C`rdktfra
cd U_F KFL[TG@CF_* c` ula kharja dl dj Ayultag`dltf, Urdv`f a ja g`sga*
sd rdul` kfl jas asfk`ak`flds cd [al Bralk`skf y gul`k`p`fs ajdcafs qud jds
pjaltdarfl jas ldkds`cacds cd sus kfgul`cacds y jds dxtdrlarfl su apfyf,
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H@
U_@GD_A KFLGDGF_AK@L CDJ CA LAK@FLAJCDJ KFL[TG@CF_
U_F KFL[TG@CF_ kdjdor kfl nral dltus`asgf y pfr pr`gdra vdz* dj Ca
Lak`flaj cd jfs Cdrdkhfs cdj Kflsug`cfr* dl bdkha 0 cd sdpt`dgord cd ?51?,
Dsta kdjdorak`l bud c`spudsta pfr dj Kflnrdsf Lak`flaj* gdc`altd jdy* dl hflfr
aj ca dl qud sd prfgujn ja Jdy Ndldraj cd Urftdkk`l cd jfs Cdrdkhfs cdj
Kflsug`cfr* lgdrf ;48'54,
Ja kflgdgfrak`l cdj Ca Lak`flaj cd jfs Cdrdkhfs cdj Kflsug`cfr
kf`lk`cd kfl dj spt`gf al`vdrsar`f cd ja prfgujnak`l cd ja Jdy lgdrf ;48'54*
cdj 0 cd sdpt`dgord cd ?554, Dj qu`ltf af cd ja pudsta dl bulk`flag`dltf cd
U_F KFL[TG@CF_* krdacf pfr dsta c`spfs`k`l jdnaj* y kfl dj tdrkdr af cd
ndst`l cd Ajtanrak`a Uauj`lf kfgf c`rdktfra dmdkut`va cd ja `lst`tuk`l,
Uara ja bdst`v`cac cd tal `gpfrtaltd bdkha* sd dltrdn ula fbrdlca bjfraj ajAjtar cd ja Uatr`a* y sd kdjdor dl ja sdcd cd ja `lst`tuk`l ula hfg`ja fb`k`aca pfr
dj [akdrcftd Kataj`lf Sdmdca _agrdz* prrfkf cd ja `njds`a Mdss Gadstrf,
Dj aktf kflt kfl ja prdsdlk`a cd jfs g`dgorfs cdj Kflsdmf C`rdkt`vf cd U_F
KFL[TG@CF_* Aoudjfs y Aoudjas cd ja Uatr`a y tfcf dj pdrsflaj cd ja
`lst`tuk`l,
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M@
AKK@FLD[ P DMDKTSF_@A[
Kasfs Kfltrfvdrs`ajds
Curaltd jfs pr`gdrfs s`dtd gdsds cdj af cd ?51?* U_F KFL[TG@CF_ sd
v`f dlvudjtf dl c`bdrdltds tdgas qud hal rdpdrkut`cf dl ja sfk`dcac kflsug`cfra*
gft`valcf a ja pfojak`l a rdspajcar y aprfoar ja jaofr rdaj`zaca pfr ja
`lst`tuk`l=
Dj nas j`kuacf cd pdtrjdf (NJU)* kfl rdjak`l a jas gujtas acg`l`strat`vas
`gpudstas a jas dlvasacfras pfr `lkugpj`g`dltf cd ja Jdy lgdrf ;48'54* dl dj
dxpdlc`f cd NJU,
Dj dstuc`f rdaj`zacf a jfs sajag`s qud sd kfgdrk`aj`zal dl ja pas* as kfgf dj
cdoatd kfl jfs prfcuktfrds avkfjas sford a qud prdk`f cdod jjdnar ja karld cd
pfjjf aj kflsug`cfr b`laj* dltrd ftrfs* sfl ula gudstra cd jfs nralcds cdsabfs a
jfs qud sd ha dlbrdltacf ja `lst`tuk`l para cdbdlcdr y prftdndr a jfs
kflsug`cfrds,
Nas j`kuacf cd pdtrjdf (NJU)
Kfgf kflsdkudlk`a cd jas cdlulk`as rdk`o`cas dl ja `lst`tuk`l pfr
kflsug`cfrds qud sd s`dltdl ourjacfs pfr dj dxpdlc`f `rrdnujar cdj nas j`kuacf cd
pdtrjdf (NJU)* U_F KFL[TG@CF_* akfgpaacf s`dgprd cdj pdrsflaj tkl`kf
cdj cdpartagdltf cd Gdtrfjfna cd C@NDLF_* prfkdc` a rdaj`zar dxpdrt`k`fs y
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CDC
Dj papdj cd jfs gdc`fs cd kfgul`kak`l dl dj cdsdgpdf cd U_F
KFL[TG@CF_ ha s`cf prdcfg`laltd y cdk`s`vf para kflvfkar vfjultacds*
apfyf y kffpdrak`l dl dj akk`flar y dmdkuk`flds cd ja `lst`tuk`l, [u prdsdlk`a
kflstaltd y kfodrtura ldkdsar`a altd jjagacfs cd ajdrta a jfs kflsug`cfrds ha
pdrg`t`cf aj `lst`tutf kugpj`r kfl dj rfj cd `lbfrgar fpfrtulagdltd a ja
pfojak`l,
[u akfgpaag`dltf ha s`cf v`taj* y ha kflvdrt`cf dstas vas cd dxprds`l dl
tdst`nfs `lc`skut`ojds cd ja jaofr y jas dmdkutfr`as cd U_F KFL[TG@CF_,
Budltd= _dspflsaojd cd _dcds [fk`ajds,'
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CDD
Budltd= Cdpartagdltf cd Kfgul`kak`flds,'
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CDN
_DKFLFK@G@DLSF[ P AUFPF A JA ND[S@L CD U_FKFL[TG@CF_
Curaltd ja prdsdltd ndst`l* c`bdrdltds frnal`zak`flds y asfk`ak`flds cd jasfk`dcac k`v`j hal rdkflfk`cf kfgf pfs`t`vf dj cdsdgpdf cd ja aktuaj C`rdkk`l
cd U_F KFL[TG@CF_* qud ha rdaj`zacf sus apfrtds dl odldb`k`f cd ja
pfojak`l cfg`l`kala, Ufr dsta razl c`vdrsas dlt`cacds y pdrsflaj`cacds hal
dltrdnacf rdkflfk`g`dltfs a su c`rdktfra dmdkut`va* J`kca, Ajtanrak`a Uauj`lf
curaltd dj af ?51?,
Jas dlt`cacds qud rdkflfk`drfl ja ndst`l budrfl jas s`nu`dltds=
1, Muvdltuc s`l jg`tds,
?, Ja @njds`a Katj`ka,
;, Tl`vdrs`cac Autlfga cd [altf Cfg`lnf (TA[C),
3, Muvdltuc dl akk`l,
4, _dprdsdltaltds cd ja Bdcdraj Srakd Kfgg`s`fl (BSK),
2, X`fgara H`jar`f y Ajflzf Ldz,
>, [dlacf cd Uudrtf _`kf
8, Kflnrdsf cd Udr,
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