Y@KD^@K @KNQTNQE BNZE

BNZE@@TZEH

YNLNZEKT@F H@J^Y@TNK QZ@BNK

ZQ^D dr. QMNZ@TKM BNLMGMKB

Ogk. Dr. Qmntmlm Km. 25: Tngp. 9:20-3600615 C`x . 9:20-3600415
Nl`eg ? rsudbnlmgmkbIy`fmm.aml QZ@BNK >2:24
 @KNQTNQE Y@D@ BNZE@TZE

0. T^O^@K ?
Qnj`b`e `au`k d`g`l png`hs`k``k tekd`h`k `knstnse p`d` p`senk bnre`tre
y`kb `h`k lnko`g`ke tekd`h`k pnljnd`f`k.

:. Z^@KB GEKBH^Y ?
Ynr`j`f`k cesemgmbes p`d` bnre`treh, amnxestekb desn`sn,
desn`sn,hmksednr`se
hmksednr`se
`knstnse.

1. HNJEO@H@K?
Ynlegef`k tnhkeh `knstnse d`k mj`t `knstnse y`kb `h`k dejnreh`k f`rus
lnlpnrtelj`kbh`k pnruj`f`k cukbse sestnl cukbse mrb`k d`k pnruj`f`k
rnspmk mj`t `hej`t pnruj`f`k c`rl`hmheknteh d`k c`rl`hmdek`leh.

4. YNKBNZTE@K?
Bnre`tre lnrup`h`k pmpug`se dnkb`k j`t`s`k ulur ; 3> t`fuk. Yrmsns
pnku``k lnkynj`jh`k pnruj`f`k tnrf`d`p cukbse sestnl mrb`k jnrup`
pnkuruk`k cukatemk`g rnsnrvn d`k hnted`h l`lpu`k uktuh lnljnreh`k
rnspmk tnrf`d`p strnss snfekbb` lnkekbh`th`k rnsehm tnro`deky` lmrjedet`s
d`k lmrt`get`s `p`jeg` deg`huh`k prmsns pnljnd`f`k.

>. YNZ^J@F@K CEQEMGMBE BNZE@TZE (HMKQEDNZ@QE @KNQTNQE)

 QEQTNL H@ZDEMS@QH^G@Z
Ynkuruk`k ng`steset`s `rtnre y`kb `h`k lnkynj`jh`k tnro`deky`
pnkekbh`t`k `ctnr gm`d,pnkekbh`t`k tnh`k`k d`r`f sestmgeh,d`k fepnrtrmce
vnktrehng here

Ynkuruk`k `htecet`s p-`drnknrbeh snfekbb` tnro`de pnkuruk`k g`ou o`ktukb

s``t ester`f`t, pnkuruk`k g`ou o`ktukb l`hsel`g,d`
l`hsel`g,d`k
k pnkuruknk rncgnh
j`rmrnsnptmr.

Ynkuruk`k ng`steset`s `rtnre y`kb `h`k lnkynj`jh`k tnro`deky`

pnkekbh`t`k `ctnr gm`d,pnkekbh`t`k tnh`k`k d`r`f sestmgeh,d`k fepnrtrmce

vnktrehng here
 Ynkuruk`k `htecet`s p-`drnknrbeh snfekbb` tnro`de pnkuruk`k g`ou o`ktukb
s``t ester`f`t, pnkuruk`k g`ou o`ktukb l`hsel`g,d`k pnkuruknk rncgnh
j`rmrnsnptmr.

 QEQTNL ZNQYEZ@QE
 Ynkuruk`k ng`steset`s o`rekb`k p`ru `h`k lnkynj`jh`k pnkuruk`k
`gvnmg`r
 Qurc`an `rn
`rn`
` snfe
snfekbb`
kbb` ncesenkse pn
pnrtuh`r`k
rtuh`r`k b`s ln
lnkuruk,
kuruk, hmg`ps
sl`gg `erw`ys lnkekbh`t h`kvmgu lnrnsedu`g d`k agmsekb a`p`aety
snfekbb` tnro`de vnkteg`temk/ pnrctesemk lesl`tafekb.
 Zu`kb rube `k`tmles d`k cesemgmbes lnkekbh`t. Zebedet`s dekdekb
d`d` lnkekbh`t.
 Ynkuruk`k hnhu`t`k mtmt pnrk`c`s`k deehute dnkb`k pnkuruk`k
hnl`lpu`k uktuh j`tuh d`k pnkuruk`k h`p`set`s d`re
pnrk`c`s`k.
 Znspmk tnrf`d`p fepnrh`pke` d`k fepmhse` lnko`de tulpug.
 Snkteg`se `h`k lnko`de suget p`d` p`senk-p`
p`senk-p`senk
senk dnkb`k pepe y`kb
anhukb,snd`kbh`k `d`ky` `rtfretes p`d` snkde tnlpmrml`k
dejug`r `t`u vnrtnjr` nsnrveh`g ,ted`h `d`ky` bebe-bngebe j`be`k
r`f`kb `t`s oub` `h`k lnlpnrsug etu ktuh deg`huh`kky`
g`rekbmshmpe-ektuj`se.
 Ynkanb`f `kfepmhse` pnrempnr`tec deg`huh`k dnkb`k lnljnreh`k
prnmhsebnkes`se y`kb gnjef g`l` snjngul ekduhse, lnkekbh`th`k
hmksnktr`se mhsebnk y`kb gnjef tekbbe sng`l` `knstnse,d`k sndehet
lnkekbh`th`k YNNY.
 @sper`se pknulmke` lnrup`h`k h
hmlpgeh`se
mlpgeh`se y`kb snrekb tnro`de
p`d` bnre`tre `hej`t pnkuruk`k prmbrnsec sno`g`k jnrt`lj`fky`
ulur tnrf`d`p rncgnh-rncgnh pnrgekdukb`k
pnrgekdukb`k o`g`k k`c`s/ t`rekb.
 Y`senk bnre`tre dnkb`k pnky`het p`ru jnr`t y`kb lnko`g`ke
prmsndur mpnr`se l`ymr p`d` `jdmlnk snj`ehky` tnt`p
tnrektuj`se p`d` s``t p`sa` mpnr`se h`rnk` snrekb tnro`de
b`kbbu`k pnrk`c`s`k s``t deru`kb pnlugef`k.
 Ynk`kb`k`k tnrf`d`p kynre y`kb d`p`t lnkbb`kbbu cukbse p`ru
p`sa` mpnr`se f`rus jnk`r-jnk`r d`p`t lnkb`t`se kynre tnrsnjut
 (les`g dnkb`k `knstnse gmh`g d`k mpemed lng`gue npedur`g, jgmh
s`r`c ektnrhmst`).

 C^KBQE LNT@JMGEH D@K NKDMHZEK

 Hmksulse mhsebnk l`hsel`g l`upuk j`s`g `h`k lnkuruk snerekb

jnrt`lj`fky` use`.
 Yrmduhse p`k`s lnkuruk, rnsehm feg`kbky` p`k`s `h`k lnkekbh`t
,d`k hnl`lpu`k pus`t pnkb`tur sufu defepmt`g`lus oub`
lnkuruk.
 Znsetnkse tnrf`d`p eksugek y`kb lnkekbh`t`h`k lnkurukh`k
hnl`lpu`ku ktuh lnrnbug`se bguhms` d`g`l tujuf.
 Znspmk tnrf`d`p `bnk-`bnk (1-`drnknrbeh `h`k lnkuruk).
 Ynkuruk`k `ger`k d`r`f f`te

 C^KBQE BEKO@G
 Oulg`f d`k uhur`k bgmlnrugus `h`k lnkuruk.

 @ger`k d`r`f beko`g lnkuruk.

 BCZ d`k hgernks hrn`tekek jnrhur`kb.
 H`d`r hrn`tekek snrul ted`h jnruj`f h
h`rnk`
`rnk` tnro`de pnkuruk`k
l`ss` mtmt d`k prmduhse hrn`tekek, snd`kbh`k jgmmd urn` ketrmbnk
sna`r` br`du`g `h`k lnkekbh`t 9,:lb/ dG pnrt`fuk.
 Ynkuruk`k cukbse tujug`r `h`k jnr`hej`t p`d` b`kbbu`k rnbug`se
smdeul pnkuruk`k hnl`lpu`k uktuh lnkbhmksnktr`se urek,

pnkuruk`k h`p`set`s deguse tnrf`d`p dnfedr`se `t`u hngnjef`k

a`er`k,d`k
a`er`k,d`k pnkuruk `knhshrnse mj`t-mj`t`k.
 Ynkuruk`k rnspmksevet`s sestnl rnkek-`gdmstnrmk snfekbb`
nhshrnse pmt`sseul tnrb`kbbu.
 Ynkuruk`krnsp
Ynkuruk`krnspmk
mk tnrf`d`p @DF.
 Hnl`lpu`k rn`jsmrjse bguhms` lnkuruk.
 Hmljek`se pnkuruk`k `ger`k d`r`f beko`g dnkb`k jnrhur`kbky`
l`ss` kncrmk `h`k lnkekbh`th`k rnsehm tnro`deky` hnb`b`g`k
beko`g `hut p`d` pnremdn p`sa` mpnr`tec.

 Lnkurukky` hnl`lpu`k beko`g uktuh lnrnbug`se a`er`k d`k

ngnhtrmget lnkynj`jh`k fepmh`gnle` d`k fepnrh`gnle` gnjef lud`f
 tnro`de. ^ktuh etu lmketmrekb tnrf`d`p ngnhtrmget snrul, a`rde`a
ceggekb prnssurn,d`k denrnses f`rus delmketmr gnjef snrekb g`be.

 C^KBQE B@QTZMEKTNQTEK@G
 L`ss` fnp`r `h`k lnkuruk snfekbb` `ger`k d`r`f fnp`r d`k

cukbse fnp`r oub` `h`k lnkuruk y`kb jnr`hej`t p`d`

lnkurukky` jemtr`kscmrl`se d`k prmduhse `gjulek.
 Hmgeknstnr`sn pg`sl` lnkuruk
 pf g`ljukb ankdnrukb uktuh lnkekbh`t ,snd`kbh`k hnl`lpu`k
pnkbmsmkb`k g`ljukb `h`k lnkuruk.

 QEQTNL Q@Z@C
 @ger`k d`r`f snrnjr`g lnkuruk snhet`r 09-:9%
 Hnpnrgu`k dmses `knstnse gmh`g d`k ulul lnkuruk.

 Ynljnre`k jmgus npedur`g `knstnse jnrtnkdnkse uktuh pnkynj`r`k

y`kb gnjef nhstnksec hn`r`f snc`g`d, tnt`pe dur`se `k`gbnse d`k
jgmh lmtmreh lnko`de gnjef sekbh`t. Qnj`gehky` dur`se d`re `knstnse
spek`g `h`k gnjef p`ko`kb.
 R`htu pnlugef`k sna`r` hmlpget ncnh mj`t `knstnse ulul y`kb
dejnreh`k tnrf`d`p susuk`k s`r`c pus`t `h`k lnko`de gnjef g`l`,
tnrut`l` p`d` p`senk dnkb`k hn`d``k desmrenkt`se `t`u amkcusnd
p`d` s``t prnmpnr`tec.
 Bnre`tre lnlpuky`e rnsehm y`kb gnjef jns`r uktuh tnro`deky`

hn`d``k hmkcusemk`g `hut, dngereul, d`k descukbse hmbketec p`sa`

mpnr`tec.
 Ynkynj`
Ynkynj`j
j descukbs
descukbsee hmbketec p`sa` mpnr`se `d`g`f lugtec`htmre`g
lugtec`htmre`g,,
`kt`r` g`ek `d`g`f h`rnk` ncnhmj`t, kynre, dnlnkse`, fepmtnrle`,
lnkurukky` oulg`f knurm tr`kslettnr,d`k b`kbbu`k lnt`jmgeh.
 Bnre`tre s`kb`t snksetevn tnrf`d`p ncnh snktr`g d`re `kte hmgeknrbeh
snpnrte sampmg`lekn d`k `trmpekn.
 Ted`h `d` pnrjnd``k `kt`r` eksednk sedngerul `kt`r` `knstnse
rnbemk`g d`k ulul.
 L^QH^GMQHNGNT@G
 @trmce p`d` huget `h`k lnlud`fh`k tnro`deky` tr`ul` `hej`t
pnl`h`e`k pgnstnr, ngnatrm a`utnryp`ds, d`k ngnatrmdn NHB.
 Dnbnknr`se p`d` tug`kb snrveh`g `h`k lnlj`t`se pnrbnr`h`k
gnfnr y`kb d`p`t lnlpnrsuget tekd`h`k g`rekbmshmpe-ektuj`se.

 YNZ^J@F@K C@ZL@HMGMBEQ
 Ynkuruk`k prmbrnsec l`ss` mtmt d`k pnkekbh`t`k gnl`h tujuf
(tnrut`l` w`ket`) `h`k lnkynj`jh
lnkynj`jh`k
`k pnkuruk`k oulg`f tm
tmt`g
t`g
a`er`k tujuf. Ynkuruk`k vmguln destrejuse d`re mj`t-mj`t`k y`kb
g`rut d`g`l `er `h`k lnkynj`jh`k hmksnktr`seky` d`g`l pg`sl`
`h`k lnkekbh`t, snj`gehky` pnkekbh`t`k vmguln destrejuse d`re
mj`t-mj`t`k y`kb g`rut d`g`l gnl`h `h`k lnkynj`jh`k
pnkuruk`k hmksnktr`seky` d`g`l pg`sl`.

 Ynruj`f`k vmguln destrejuse eke `h`k jnrpnkb`ruf tnrf`d`p w`htu

p`ruf mj`t-mj`t tnrsnjut. K`luk deh`rnk`h`k p`d` p`senk bnre`tre
oub` `h`k tnro`de pnkuruk`k cukbse beko`g d`k f`te, f`g eke `h`k
lnlju`t pnkuruk`k p`d` hgernk snfekbb` dur`se hnro` snj`be`k
mj`t tnt`p `h`k lnl`ko`kb.
 Yreksep pnruj`f`k c`rl`hm dek`leh `hej`t use` tu` `d`g`f
jnrup` pnkuruk`k hnjutuf`k mj`t-mj`t`k `knstnse.
 ^ktuh lnkbfekd`re ncnh s`lpekb mj`t d`k pnl`ko`kb`k dur`se
hnro` mj`t `d`g`f dnkb`k lnljnreh`k mj`t dnkb`k a`r` tetr`se.

 Ynlegef`k mj`t gnjef j`eh jeg` dejnreh`k mj`t-mj`t`k dnkb`k l`s`

hnro` y`kb pnkdnh ,snpnrte ? prmpmcmg, r`lecnkt`keg, d`k suhsekeg
hmgek, snrt` mj`t-mj`t`k y`kb pnljnre`kky` ted`h depnkb`rufe
mgnf cukbse beko`g, f`te, d`k `ger`k d`r`f, snpnrte ? lev`hureul,
`tr`hureurk, d`k aes`tr`hureul.
 Y`senk bnre`treh dnkb`k l`gkutres
l`gkutresee `h`k lnkb`g`le pnkuruk`k
hmknktr`se `gjulek

 @KNQTNQE EKF@G@QE
  L@A d`re mj`t `knstnse ekf`g`se `h`k lnkuruk 4% pnrdnh`dn
p`d` ulur de`t`s 49 t`fuk. Les`gh`k L@A f`gmt`k p`d` p`senk
use` 69 t`fuk
t `fuk `d`g`f (9,22-(9,22x4%x4))<9,3>.
 Mksntmc`at
Mksntmc`atemk
emk `h`k lnkekbh`t p`d` hn`d``k tnrd`p`t pnkuruk`k
a`rde`a mutput, snd`kbh`k `h`k lnko`de g`lj`t oeh` tnrd`p`t

b`kbbu`k vnkteg`se/ pnrcuse y`kb sebkeceh`k.

 Ncnh vmg`tegn tnrf`d`p dnprnse lemh`rde`g p`d` bnre`trea `h`k
snl`hek lnkekbh`t.
 Esmcgur
Esmcgur`k
`k `h`k lnkurukh`k a`rde` amutput d`k g`ou k`de p`d`
mr`kb tu`.
 Ynlugef`k d`re ncnh mj`t vmg`tegn `knstfnse` `h`k lnl`ko`kb
deh`rnk`h`k vmguln destrejuseky` y`kb jnrt`lj`f (pnkekbh`t`k
gnl`h tujuf), pnkuruk`k cukbse f`te,d`k pnkuruk`k prmsns
pnrtuh`r`k b`s de p`ru.

 Dnscgur
Dnscgur`k
`k lnrup`h`k mj`t `knstnse pegef`k p`d` bnre`trea h`rnk`
ngelek`seky` y`kb anp`t.

 MJ@T @KNQTNQE KMKSMG@TEGN

 Y`d` ululky` bnre`trea lnljutufh
lnljutufh`k
`k dm
dmses
ses prm
prmpmcmg,
pmcmg, ntm
ntmled`t,
led`t,
j`rjetur`tn, mpemed, d`k jnkzmde`znpekn y`kb gnjef rnkd`f.
Je`s`ky` f`ky` dejutufh`k snp`ruf dmses d`re dmses ekduhse p`d`
dnw`s` lud`.
 Lnshepuk prmpmcmg lnrup`h`k mj`t ekduhse y`kb f`lper edn`g

h`rnk` ngelek`seky` y`kb anp`t, tnt`pe mj`t eke pmtnkseky` gnjef

jns`r uktuh lnkeljugh`k fepmtnkse d`k `pkmn dej`kdekbh`k p`d`
p`senk use` lud`.

 YNGNL@Q MTMT
 Znspmk tnrf`d`p suhsekeg hmgek d`k bmgmkb`k kmk dnpmg`rezekb
ted`h depnkb`rufe mgnf use`.
 Mksntpngnl`
Mksntpngnl`ss mtmt p`d` bnre`tre `h`k lnl`ko`kb : h`ge gep`t
`hej`t pnkuruk`k a`rde`a mut put d`k pnkuruk`k `ger`k d`r`f mtmt

 Yrmsns pnlugef`k pngnl`s mtmt kmk dnpmg`rezekb y`kb

ngelek`seky` tnrb`ktukb p`d` nhshrnse beko`g (snpnrte ?
 p`khurmkeul,lntmaurekn,
p`khurmkeul,lntmaurekn, dmx`aureul, tujmaur`rekn) `h`k lnko`de
gnjef g`l` h`rnk` pnkuruk`k d`re hgernks mj`t tnrsnjut.
 Yrmsns pnlu
pnlugef`k
gef`k d`k dur`
dur`se
se hnro` mj`t-mj`t`k y`kb
lnt`jmgeslnky` tnro`de de fnp`r ( snpnrte? rmhurmkeul d`k
vnhurmkeul ) oub` `h`k lnko`de gnjef g`l`.

 Yrmceg c`rl`hmgmbe `tr`hureul d`k pepnhurmkeul ted`h de pnkb`rufe

mgnf use`.

 AM-NVEQTEKB DEQN@QN Y@D@ BNZE@TZE

 Fepnrtnkse nsnkse`g
 Ynky`het o`ktukb eshnleh
 B`kbbu`k hmkduhse o`ktukb
 B`b`g o`ktukb jnkdukb`k
 Ynky`het p`ru hrmkeh

 De`jntns lnggetus
 Fepmtermed
 Znul`tmed `rtfretes
 Mstnm`rtretes
3. L@K@ONLNK YZNMYNZ@TEC
 Znsehm tnrf`d`p pnljnre`k `knstnse gnjef depnkb`rufe mgnf am-nxestekb
am-nxest ekb
desn`sn y`kb `d` dej`kdekbh`k c`htmr use`ky`.
 Mgnf h`rnk` etu p`d` s``t pnlnrehs``k prnmpnr`te
prnmpnr`tecc f`rus gnjef cmhus
uktuh lnkbednkteceh`se `d`ky` pnky`het-pnky`het y`kb snrekb

jnrfujukb`k dnkb`k bnre`tre d`k oub` nv`gu`se tnrf`d`p cukbse

cesemgmbes y`kb tng`f de snjuth`k de`t`s.
 Bnre`tre je`s`ky` lnkbhmksulse mj`t-mj`t`k uktuh pnkbmj`t`k am-
nxestekb de sn`snky`. D`t` mj`t y`kb snd`kb delekul f`rus ded`p`th`k
sna`r` gnkbh`p h`rnk` hnlukbhek`k tnro`deky` ektnr`hse dnkb`k mj`t
`knstnse y`kb `h`k dejnreh`k.
 G`huh`k nv`gu`se prnmpnr`tec tnrf`d`p cukatemk` grnsnrvn d`k o`g`k
k`c`s.
 Mstnm`rtr
Mstnm`rtretes
etes `t`u rfnul`tmed `rtfrete
`rtfretess p`d` snrveh`g `h`k lnlpnrsuget

tekd`h`k g`rekbms hmpe- ektuj`se.

  Eksucese nkse `
`rtnre
rtnre vnrtnjrm j`segnr d`p`t denv`gu`se dnkb`
dnkb`k
k lngef`t ncnh
pmsese hnp`g` ? rmt`se d`k nhstnkse tnrf`d`p st`tus lnkt`g.
 Y`steh`k st`tus vmguln, je`s`ky` bnre`trea lnlpuky`e hnankdnrukb`k
tnro`deky` fepmvmgnle` prn mpnr`tec.
 Yrnlndeh`se tnrj`eh uktuh bnr
bnre`tre
e`tre `d`g`f dnkb`k hukoukb`k

prnmpnr`tec. Ong`sh`k prmsns y`kb `h`k deo`g`ke sng`l` pnrempnr`tec. Oeh`

p`senk l`sef t`lp`h anl`s d`p`t dejnreh`k bmgmkb`k jnkzmde`znpekn.
 Yrnlndeh`se y`kb `h`k dejnreh`k p`d` bnre`tre lnljutufh`k dmses
y`kb gnjef rnkd`f.
 Fekd`re lnljnreh`k prnlndeh`se dnkb`k `trmpekn h`rnk` d`p`t
lnkekbh`th`k jnj`k hnro` o`ktukb, d`k snrekb lnkeljugh`k amkcusemk
p`sa` mpnr`tec. Ynljnre`k lntmhgmpr`led d`p`t lnlpnranp`t
pnkbmsmkb`k g`ljukb, tnt`pe p`d` p`senk bnre`tre rnsehm uktuh
tnro`deky` ncnh s`lpekb bno`g` nhstr` per`led`g oub` lnkekbh`t.

2. L@K@ONLNKEKTZ@MYNZ@TEC
 Tnhkeh `knstnse rnbemk`g l`upuk ulul d`p`t lnko`de pegef`k p`d`

bnre`tre tnrb`ktukb d`re hmkdese cukbse sestnl mrb`k l`sekb-l`sekb

p`senk d`k onkes mpnr`se y`kb `h`k deo`g`ke.
 Ynlegef`k mj`t-mj`t`k oub` f`rus lnlpnrtelj`kbh`k cukbse sestnl
mrb`k d`k pnruj`f`k rnspmk mj`t `hej`t jnruj`fky` celk`hmheknteh
d`k c`rl`hm dek`leh p`d` p`senk

6. L@K@ONLNK Y@QA@MYNZ@TEC

 De rnhmlnkd`seh`k `ljug`se deke uktuh lnkurukh`k rnsehm

tnro`deky` Yknulmke` d`k tfrmljmses vnk`

5. DMH^LNK TNZH@ET
TNZH@ET??
 A`t`t`k rnh`l lndes
 Gnlj`r ekcmrlnd amksnkt.

09. ^KETTNZH@ET
Dmhtnr spnse`ges `knstnse , dmhtnr jnd`f, dmhtnr spnse`ges d`g`l, dmhtnr

spnse`ges `k`h de gekbhukbk ZQ^D dr Qmnr`tkm H`jup`tnk Qr`bnk

00. ZNCNZNKQE?
 Lmrb`kBN,Lehf`egLQ, Lurr`yLO.Bnre`
Lurr`yLO.Bnre`trea
trea `knstfnse`. D`g`l ? Agekea`g
@knstfnsemgmby,nd.4
@knstfnsemgmby,nd.4,:993,
,:993, f? 5>0-5>6
 QtmngtekbZH,DenrdmrcQC.Desn`sn `ssmae`tnd wetf `bekb.D`g`l?F`kd
jmmh cmr @knstfnse` `kd Am-nxestekb Desn`sn.:99
Desn`sn.:99:,f?>>1->>3.
:,f?>>1->>3.