The IBO (Independent Business Owner) Guide

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    D;wQksMZD;wQksMZD;wQksMZD;wQksMZD;wQksMZ

    vkbZ ch vks

    yhMlZ vkWiQ n iQhYMij vkkkfjr

    iQhYM xkbM

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    fo"k; & oLrq

    ifjp; 5

    ukeksadh lwph rS;kj djuk 19

    laidZrFkk vkea=k.k 30

    fctusl Iyku fn[kkuk 38

    iQkWyksvi @ iQkWyks Fkzw 53

    yhMjf'ki rFkk MqfIyds'ku 67

    loky tokc 80

    i'pkrki dh ihM+k ls vuq'kklu dk ewY; ges'kk degksrk gSA & uhMks D;wfcu

    vlyh fotsrk og gksrk gStksla?k"kZdsfy, rc mBrk gStc dksbZmBuk ughapkgrkA & tS d MsEIls

    liQyrk] vkuan vkSj 'kkafr ,sls gh ugha fey tkrs gSa]

    budh jpuk djuh iM+rh gSA vius iz;klksa dh Ja[kyk esay;crk ,oafujarjrk yk,aA liQyrk vkidsdneksaesagksxhA

    & MSDLVj ;sxj

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    vfHkuanu

    ;g iqLrd Mk;jsDV lsfyax O;olk; ds lSdM+ksadke;kc yhMlZds vuqHkoksadk fupksM+ gSA gkykafd bl iq Lrd dks fy[kus dk Js;

    fdlh O;fDr fo'ks "k dks ugha fn;k tk ldrk] ijarq blesa Mk;jsDVlsfyax O;olk; ds fy, t:jh mu lHkh dkS'ky ,oarduhdksadks 'kkfey fd;k x;k gS] ftudk bLrs eky djds lSdM+ksa yksxksa usvfo'oluh; liQyrk gkfly dh gSA pkgs vki igys ls bl O;olk;

    esagksa;k fiQj ,dne u,] bl iqLrd esanh xbZtkudkjh dks iz;ksxesaykdj vki vHkwriwoZ,oavlkkkj.k liQyrk izkIr dj ldrs gSaA

    ijarq;g iqLrd vkidh dk;Ziz.kkyh ,oaifj.kkeksadks lqkkjus esavkidh enn rHkh dj ik,xh tc vki blesa fn, x, fopkjksa ,oa

    rduhdksadk Lokxr [kqys fnekx ls djsaxsA vr% csgrj ;gh gksxk fd'kr izfr'kr ifj.kkeksadh vis{kk ds lkFk bl iqLrd dk v;;u tkjh

    j[ksa] ehfVa x ,oalsfeukjksa esa fuja rj 'kkfey gksrs jgsa rFkk Lo;a lsvfkd vuqHkoh vius Vhe yhMlZ ls lf; lg;ks x ,oalEidZ

    cuk, j[ksa D;ksa fd pSfEi;u cuus dk lcls rst rjhdk ;gh gS fdvki pSfEi;al ds lEidZesajgsaA

    bl iq Lrd esanh xbZrduhdksadk lgh

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    FkhA izf'k{kd fey tkus ij mlds izf'k{kd ^fe;kxh* us mls djkVs lslacafkr xq# fl[kkus ds LFkku ij mlls viuh dkj dh oSfDlax] Msddh liQkbZvkSj ckM+s dh jaxkbZtSls es gur okys dke djok,A rFkkMSfu;y dks dkiQh le; ckn bl ckr dk vglkl gqvk fd fe;kxhds gj dk;Zdyki ds ihNs mls djkVs fl[kkus dh Hkkouk fNih FkhAfe;kxh ds fl[kkus dk ,d rjhdk FkkA og MSfu;y dks djkVs lh[kus

    ds ;ksX; cuk jgk FkkA Bhd blh iz dkj gks ldrk gS 'kq #vkrh nkS j esa vkidks bl

    O;olk; dh dk;Ziz .kkyh vthcksxjhc ;k csrqdh yxsA ijarqesjk nkokgS fd vki fVds jgs rks liQyrk ,d fnu vkids dne vo';pwesxhA ;kn j[ksa;gkvkidk fctusl ikVZuj (viykbu) vkidks ek=kthrrs gq, ns[kuk pkgrk gS] vr% gks ldrk gS fd liQyrk ikus dsfy, t:jh cgqr lkjh ckrsaog vkidks izR;{k (Direct) :i ls u fl[kkdj ijks{k (Indirect) :i ls fl[kk,A ;kn j[ksa ;gk vkidhliQyrk iw.kZr% lqfuf'pr gSA bl iqLrd dk iwjk&iwjk ykHk mBkus ds fy, vki bldh egoiw.kZ ckrksa dks v.Mjykbu dj ysa] mu ijfu'kku yxk,] laHko gks rks uksV~l Hkh cuk,A Hkwydj Hkh budk ikyudjuk u HkwysaA bUgsackj&ckj nksgjk,A khjs&khjs vki izf'kf{kr gksuk 'kq#gks tkrs gSaA vkidk ;gh iz f'k{k.k vkidh dke;kch dks lqfuf'prdjsxkA

    ifjp;

    vkfFkZ d fo'ks"kKksa dh jk; esa vkxkeh 10 o"kks esa vehjksa dhla [;k 1 djksM+ ls Hkh ij igqp tk,xhA fo'o iz fl vFkZ'kkL=khikWy tsu fiYtj ds vuq lkj & vehjksadh la [;k esa ;g c

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    vki cuuk pkgsaxs vxyk djksM+ifr\

    D;k vki tkurs gSafd Hkfo"; esavfkdre O;olk; baVjusV dsek;e ls gh gksus okyk gS--- D;k vki vius O;olk; dh laHkkoukvksa,oa {kerkvksa ls vPNh rjg ifjfpr gSa--- D;k vius O;olk; dh;kstuk (Iyku) ds fo"k; esanwljs yksxksadks le>kuk vkidks vkrk gS\

    ,d ckj ehfVax ds ckn ,dO;fDr esjs ikl vk;k vkSj cksyk]^^vxj ge bZekunkjh lsckr djsa] rksbl dke dks djus ds fy, dqNfo'ks"k fdLe dsyksxksadh vko';drkgksrh gSA tks vkius gkfly fd;k gS]og gj dksbZgkfly ughadj ldrkA**

    eSaus mlstokc fn;k] ^^vki fcYdqyBhd dg jgs gSaA bl dke dks dqNfo'ks"k rjg dsyksx gh dj ldrsgSaA,sls yksx tks lquus vkSj lh[kus dsfy, rS;kj gksavkSj esjk ;dhu gS fdvki blsdj ldrsgSaA**

    ;fn gk--- rks vkidks eupkgs ifj.kke D;ksaughaizkIr gks jgs gSa\vki eupkgh ek=kk esa#i;k iSlk D;ksaughsacuk ik jgs gSa\ vki vU;

    yksxksals viuh ;kstuk ds vuq:i ifj.kke gkfly D;ksaughadj ik jgsgSa\

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    ;kn j[ksavius O;olk; esayksxksadks 'kkfey djkuk ,d vyx ckr gS rFkk mUgsa vius lkFk tksM+dj muds lius lkdkj djus esamudh enn djuk iwjh rjg vyxA rFkk vPNh [kcj rks ;g gS fd;g lHkh dqN lh[kk tk ldrk gSA

    bl O;olk; ds fy, nks phtksadh fo'ks "k vko';drk gksrh gSAloZizFke rks vkids ikl bl O;olk; dks [kM+k djus ds fy, dksbZu

    dksbZBksl dkj.k t:j gks uk pkfg, rFkk nwljh gS bl O;olk; dks[kM+ k djus dh rduhdksadks tkuus rFkk lh[kus dh ftKklk] ftldsvHkko esavkidks dkiQh uqdlku mBkuk iM+ ldrk gSA ;kn j[ksage

    esals dksbZHkh liQyrk dks vius lkFk ysdj iSnk ughagksrk] bls rks;ksX;rk ,oaizf'k{k.k ds cy ij gkfly djuk iM+rk gSA ge lHkh dsvanj liQyrk dk ,d vtUek cht fNik gS] vko';drk gS rks cl

    lgh

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    rqEgkjsikl gkFk] iSj vkSj fnekx gSatksyksx ij mBsvkSj egku cus

    mUgksausHkh dh Fkh 'kq#vkr bu lHkh dslkFkAgj ckkk dk Lo;alkeuk djks]

    viuh eafty] mldh jkg Lo;afukkZfjr djksA;g tku yksfd bZ'oj usrqEgsathou fn;k gS]

    fdUrqliQyrk ikusdk iSQlyk rqe ij NksM+k gSAlkgl vkRek dh gSvkokt]

    thrusdh bPNk dksLo;aesadjkstkxzrAegku cuusdsfy, t:jh lHkh lkku

    tUe lsgh gSarqEgkjsikl]bUghalkkuksadslkFk mUgksausHkh

    dh Fkh 'kq#vkr]eSadj ldrk gw] dgks

    vkSj dj nksviuh Hkh 'kq:vkrA& ,Mxj ,- xsLV

    vius ftu liuksadh iwfrZds fy, vki iz;kl djus dks rS;kj gSa]muds fy,

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    O;kikj djus okyk igys uEcj dk iksVZy gSAbldk dkiksZjsV gSMDokVZj 40 yk[k oxZiqQV ls Hkh vfkd Hkwfe

    ij iS Qyk gS] ftlesa 300 ,dM+ txg esa cuh 80 ls Hkh vfkdbekjrksa esa xz kgd ls ok ,oalarq f"V dk fo'ks "k ;ku j[kk tkrk gSAvdsys mkjh ves fjdk esagh 15 yk[k oxZiqQV ls vfkd txg esa

    iSQys blds Ng forj.k dsUnzksa ls izfro"kZ fudys okys 135 yk[k

    iSdsV~l bl O;kikj esayksxksads #>ku dk izR;{k izek.k gSA izfro"kZdh nj ls ;gk vkS lru 10 yk[k ls Hkh vfkd iQks u dkW y vkrs gSa]ftudk lekkku {kf.kd vofk esadjus ds iwjs iz;kl fd, tkrs gSaAbl O;kikj ds ek;e ls miyCk mRiknksadh xq.kokk dks cuk, j[kusds fy, 500 ls Hkh vfkd oSKkfud bu ij izfro"kZikap yk[k iz;ksxdjrs gSaA

    loky ;g ughafd ;g O;kikj vkids fy, iQk;nsean gS ;k ugha]loky rks ;g gS fd blesa'kkfey gksdj vki bldk fdruk iQk;nkmBk ikrs gSa\

    vPNh [kcj rks ;g gS fd blls iS lk cukus ds fy, vkidkcgqr vfkd i

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    gSA gkykafd ;gkayksd O;ogkj esadq'kyrk fo"k; ij ge vfkd ppkZdjsaxs D;ksa fd mRikn] MkWV dkWe rFkk Iyku ftrus t:jh gSa] mrus ght:jh gSa os yks x tks O;kikj esa 'kkfey gks dj bls vkxs c