Download - Microfinanças - Estudo de caso AMODER
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Kietab`bî`u\k lu}|ma ml e`ua8
@kamlt lk Kaî`kdip|l
5/9/2018 Microfinan as - Estudo de caso AMODER - slidepdf.com
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5/9/2018 Microfinan as - Estudo de caso AMODER - slidepdf.com
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 0
KIETACIB@BÎ@U― \k lu}|ma ml e`ua8 @kamlt lk Kaî`kdip|l
Lu}l }t`d`gfa tlztlulb}` `zlb`u a zab}a ml siu}` mau ul|u `|}atlu
l båa zaml' lk p|`gp|lt eite|bu}äbei`' ult eabuimlt`ma ` zauiîåa a ei`g
a| |k eakztakiuua catk`g zat z`t}l m` Eakiuuåa L|tazéi`"
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 4
Ëbmiel
0" Kietacib`bî`u ! Kietaetémi}a eaka lu}t`}éni` b` g|}` eab}t` ` Zadtlx` l ` Lveg|+uåa Uaei`g lk Kaî`kdip|l
0"0" Atinlk m` Kietacib`bî` l ma Kietaetémi}a0"4" Kietacib`bî`u lk Kaî`kdip|l0"5" Lbp|`mt`klb}a gln`g m` Kietacib`bî`u l ma Kietaetémi}a lk Kaî`kdip|l0"=" Ikz`e}a ma Kietaetémi}a lk Kaî`kdip|l
4" @KAMLT ― @uuaei`îåa Kaî`kdie`b` z`t` a Mlulbsagsiklb}a T|t`g4"0" Ib}tam|îåa4"4" Ui}|`îåa ma Mlulbsagsiklb}a F|k`ba l Leabõkiea m` Ztasëbei` ml Bi`uu`4"5" Lu}t|}|t` Atn`bix`eiab`g m` @KAMLT
4"5"0" Kiuuåa l Adhle}isau m` @KAMLT4"5"4" ]izau ml `e}isim`mlu ml etémi}a mlulbsagsim`u zlg` @KAMLT4"5"5" C`e}atlu p|l ibcg|lbei`t`k b`u `e}isim`mlu ml atn`bix`îåa lb}tl au `bau
4::5 l 4::=4"=" Ui}|`îåa m` E`t}lit` m` @KAMLT lk 4::5 l 4::=
5" Eabeg|uåa=" Tlcltèbei`u Didgiantàcie`u
5/9/2018 Microfinan as - Estudo de caso AMODER - slidepdf.com
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 5
0" Kietacib`bî`u ! Kietaetémi}a eaka Lu}t`}éni` b` g|}` eab}t` ̀ Zadtlx` l Lveg|+uåa Uaei`g lk Kaî`kdip|l
0"0 Atinlk m` Kietacib`bî` l Kietaetémi}a
Lviu}l |k` uétil ml `e}isim`mlu eak |k` gõnie` ml c|beiab`klb}a ulklgf`b}l `a
kietaetémi}a' lkdat` }lbf`k ` slt eak a|}ta }iza ml ultsiîau cib`belitau' zlt}lbelbma'
`uuik' ê luclt` kietacib`bî`' }`g eaka a kietaetémi}a" Ib}ltluu`' `uuik' lueg`tlelt au eab+
eli}au ml kietaetémi}a l ml kietacib`bî`' ml kama ` lsi}`t ` eabc|uåa lb}tl au eabeli+
}au"
Zat kietacib`bî`u lb}lbml+ul eaka ` eabeluuåa ml |k eabh|b}a ml ultsiîau cib`belitau
ml zlp|lb` lue`g` ` c`këgi`u zadtlu p|l zamlk `uu|kit ` catk` ml zlp|lb`u za|z`bî`u'
etémi}au' uln|tau' }t`bucltèbei`u l ml e`zi}`g ml tiuea" A kietacib`bî`' b|k ulb}ima g`}a'
ztluu|zül ` `}tid|iîåa ml ultsiîau eaka8 ` eabeluuåa ml kietaetémi}a a| ml zlp|lbau
lkztéu}ikau &zamlbma ult kluka ml }`v` xlta a| eak d`iv`u }`v`u ml h|ta)? ` eabu}i+
}|iîåa m`u tlg`îülu ibcatk`iu lb}tl etlmatlu l ibslu}imatlu? ` eabeluuåa ml n`t`b}i`u &ml
nt|za a| ml za|z`bî` adtin`}õti`)? ` ztakaîåa ml zlp|lb`u za|z`bî`u eak }`v`u ml
h|ta `}t`e}is`u? ` eabu}i}|iîåa ml kieta uln|tau' eaka kle`biuka ml u`gs`n|`tm` z`t`
`u c`këgi`u k`iu zadtlu? ` eabeluuåa ml cib`bei`klb}au ml catî` ml }t`d`gfa a| lk
nébltau ` ibiei`}is`u ztam|}is`u? lb}tl l a|}t`u"
L zat kietaetémi}a ' lb}lbml+ul lveg|uis`klb}l ` eabeluuåa ml lkztéu}ikau' ml zlp|lba
kab}`b}l' p|l ul mlu}ib`k ` ztakaîåa ma `|klb}a ml tlbmiklb}au' ê eti`îåa ml lkztlna l
`a `gësia m` zadtlx` mau ul|u dlblcieiàtiau' dlk eaka a cib`bei`klb}a ma `tt`bp|l a| m`
lvz`buåa ml kietalkztlu`u a| uikzgluklb}l ml zlp|lb`u `e}isim`ml ml nlt`mat`u ml tlb+
miklb}a" @zlu`t ml kietaetémi}a båa eti`t iklmi`}`klb}l |k za}lbei`g leabõkiea' lu}l
é |k klia z`t` `}ibnit' zaiu au ultsiîau ml etémi}a ztazateiab`k+gflu ` |}igix`îåa ml
e`zi}`g `b}leiz`ma z`t` a eabu|ka a| z`t` ibslu}iklb}a lk `e}isim`mlu ztam|}is`u'
ikzlgibma au dlblcieiàtiau ` |}igix`t a ul| za}lbei`g f|k`ba lk `e}isim`mlu k`iu g|et`}i+
s`u' p|l ztakaslk nlt`îåa ml tlbmiklb}au"
A eabeli}a ml Kietaetémi}a b`uel| ba D`bng`mluf' bau cib`iu mau `bau >:' eak a Ztaclu+
uat ml Leabaki` T|t`g' K|f`kk`m Y|b|u l a Nt`kllb D`bo &Ëbmi`)' ‗A D`bea m`u
imli`u‛ p|l }ibf` eaka ztlkiuu` dàuie`' ` eti`îåa ml |k uiu}lk` d`beàtia d`ul`ma ba
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 =
k|}|`giuka' b` eabci`bî`' z`t}ieiz`îåa l eti`}isim`ml' eabelmlbma lkztéu}ikau ml d`i+
va s`gat ` zlp|lbau lkztllbmlmatlu ibcatk`iu l kieta+lkztlu`u ulk `eluua `a uiu}l+
k` ml etémi}a }t`mieiab`g' ztibeiz`gklb}l' zat båa acltleltlk n`t`b}i`u tl`iu"
A Kietaetémi}a' k|i}`u slxlu l |}igix`ma z`t` mluinb`t ibu}t|klb}au misltuau eaka aetémi}a `ntëeag` a| t|t`g' a etémi}a eaazlt`}isa' a etémi}a `a eabu|ka' etémi}a l lkztéu+
}ikau `uuaei`}isau a| k|}|`giu}`u"
Uln|bma K|f`kk`m Y|b|u l a Nt`kllb D`bo' lviu}lk s`ti`u eg`uuicie`îülu l e`}lna+
ti`u ml Kieta+Etémi}a' e|h`u e`t`e}ltëu}ie`u uåa8
․ Ztakaslt a etémi}a eaka |k mitli}a ma Faklk?․ Eabelmlt etémi}a mitinima `au zadtlu' luzlei`gklb}l k|gfltlu' }lbma zat kiuuåa
`h|m`t `u c`këgi`u zadtlu ` |g}t`z`uu`t a giki`t m` zadtlx`?․ D`ul`t+ul b` eabci`bî` l båa lk n`t`b}i`u tl`iu a| eab}t`}au h|miei`gklb}l `eeiabà+
sliu?․ Etémi}au eabelmimau z`t` ` eti`îåa ml `|}a+lkztlna `}t`séu ml `e}isim`mlu nlt`ma+
t`u ml tlbmiklb}au' dlk eaka ê f`di}`îåa z`t` au zadtlu' zat azauiîåa `a etémi}a`a eabu|ka?
․ Mlu`ci`t au d`beau eabslbeiab`iu p|l tlhli}`k au zadtlu zat båa au eabuimlt`t min+bau ml |k etémi}a' a Nt`kllb tlhli}` ` u|` kl}amagani` l etia| ` u|` ztõzti` kl}a+magani`?
․ Ztasimlbei`t ultsiîau `a makieëgia d`ul`ma ba ztibeëzia ml p|l a d`bea mlsl it `albeab}ta mau ibmisëm|au?
․ Z`t` ad}lt |k lkztéu}ika' a }ak`mat }lk ml ib}lnt`t |k nt|za ml dlblcieiàtiau?․ ]amau au lkztéu}ikau zamlk ult eabelmimau u|eluuis`klb}l" \k basa lkztéu}i+ka é eabelmima p|`bma a `b}ltiat é tllkdaguàslg?
․ Nlt`gklb}l' lu}lu lkztéu}ikau uåa eabelmimau zat atn`bix`îülu ulk cibu g|et`}isau"
Au d`beau fahl lk mi`' hà eaklî`k ` `mki}it p|l a kietaetémi}a é siàslg' mluml p|l
`u e`z`eim`mlu m` zluua` lk e`|u` ulh`k `eik` m` kémi`' }lbf` |k lvelglb}l zta+
hle}a ml blnõeia l |k lcie`x `eakz`bf`klb}a m|t`b}l au ztiklitau zltëamau ma
blnõeia' zamlbma ` e|t}a zt`xa }lt u|eluua l nlt`t tlbmiklb}au p|l zltki}`k z`n`t
au lkztéu}ikau eab}t`ëmau" A Kietaetémi}a mlsl ult lbe`t`ma eaka ibu}t|klb}a l clt+
t`klb}` ma eakd`}l ê lveg|uåa uaei`g l eaka c`e}at ikz|guiab`mat ml mlulbsagsi+
klb}a"
A Kietaetémi}a é z`t}ie|g`tklb}l mlu}ib`ma ` p|lk båa zauu|i n`t`b}i`u p|l zauu`k
ultsit ml eag`}lt`g `a lkztéu}ika lbsagsima" E`dl ê Uaeilm`ml eisig' D`beau' Nasltbau
l Atn`bix`îülu Båa Nasltb`klb}`iu klb}`gix`tlk+ +ul ml p|l |k ztahle}a ml Kieta+
etémi}a båa é |k` ibiei`}is` ml uagim`tilm`ml' k`u uik |k ztahle}a p|l `zau}` ba
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 <
luzëti}a lkztllbmlmat l ml ibas`îåa m`u zluua`u leabakie`klb}l lveg|ëm`u ba
äkdi}a ml |k` lu}t`}éni` ml tluzabu`digim`ml uaei`g"
S`b}`nlbu ma Kietaetémi}a
UAEI@G ZAGI]IE@U LKZTLLBMLMAT@U Ztakasl ` ibiei`}is` eakltei`g Eti` bas`u lkztlu`u Ztakasl ` klb}`gim`ml m` sltm`ml'eakztakiuua l tluzabu`digim`ml Eti` basau Blnõeiau
Ztakasl ` mikib|iîåa m` }`v` mlmlulkztlna l lveg|uåa uaei`g Eti` basau lkztlnau Ztakasl |k` da` ik`nlk mau d`beau Eti` ` u|u}lb}`digim`ml l ztauzlti+
m`ml m`u zaz|g`îülu mluc`satleim`u Ztakasl ` catk`îåa p|`gicie`b}l maudlblcieiàtiau Eti` ` ztam|}isim`ml' ibas`îåa bau
tluzle}isau ule}at ` ibslu}it Ztakasl lu}t`}éni`u l klmim`u `g}ltb`+}is`u z`t` `u zluua`u mlulkztln`m`u'ib`e}is`u l tlcatk`m`u
Eti` ` eakzl}i}isim`ml l etlueiklb+}a m` leabaki` gae`g l b`eiab`g
0" 4" Kietacib`bî`u lk Kaî`kdip|l
Lk Kaî`kdip|l `u kietacib`bî`u lkltnit`k `p|`bma ma lu}`dlgleiklb}a tlg`}isa ma
egik` ml z`x" @zlu`t ma u|eluua m`u lvzltièbei`u ma Nt`kklb D`bo &D`bng`mluf)' D`b+
ea Uag &Dagësi`) l T`oi`} b` Ibmabéui`' au lkztllbmlmatlu lk Kaî`kdip|l za|ea `etl+
mi}`s`k ba mlulbsagsiklb}a mlu}` `e}isim`ml ba z`ëu" Eabulp|lb}lklb}l' p|`bma `
^atgm Tlgilc `b|beia| lk 0995 p|l iti` eaklî`t |k` azlt`îåa ml zlp|lbau d`beau b`u
sig`u eak ib}lbîåa ml `}ibnit a k`iu zadtl mau zadtlu' au ibslu}imatlu lbe`t`t`k ` imli`eak k|i}a elz}ieiuka &Ml Sgl}}lt' 099984)"
Blu}` c`ul' `u kietacib`bî`u lt`k |k` s`tiàslg za|ea s`gatix`m` `uuaei`m` ê }t`buiîåa
m`u Atn`bix`îülu båa nasltb`klb}`iu mau ztant`k`u ml lkltnèbei` z`t` ztant`k`u
ml mlulbsagsiklb}a p|l }izie`klb}l `dt`bni`k |k bøklta ib}lnt`ma ml eakzablb+
}lu' }`iu eaka }tlib`klb}a z`t` blnõeiau' etémi}a &f`di}|`gklb}l u|duimi`ma)' }tlib`+
klb}a ml f`digim`mlu l lv}lbuåa `ntëeag`"
Bau `bau 9:' a IT@K &Ibu}i}|}l ml Tlefltefl m’@zgie`}iabu mèu Kl}famlu ml Méslgaz+
klb}) lu}|m` ` zauuidigim`ml ml ibiei`t |k ztant`k` u|u}lb}àslg ml kietacib`bî`u lk
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 3
elt}`u ztasëbei`u l |k ztant`k` ziga}a lbsagslbma ibu}i}|iîülu ml Kietaetémi}a ml nt|+
zau uagimàtiau cai lu}`dlgleima lk 099> lk K`z|}a" \k a| maiu `bau mlzaiu m` lvzl+
tièbei` m` ^atgm Tlgilc' ` atn`bix`îåa f|k`bi}àti` E@TL eaklîa| eak |k ztant`k` ml
nt|zau uagimàtiau lkztlu}`bma mibflita êu zluua`u lk sàti`u eim`mlu ml Kaî`kdip|l"0
@ z`t}it mlu}` ézae`' `u kietacib`bî`u }atb`t`k+ul tleabfleim`u eaka |k` cltt`klb}`
lcieilb}l z`t` a mlulbsagsiklb}a' `u ABN½U }lu}lk|bf`t`k tlu|g}`mau ikztluuiab`b}lu'
mliv`bma &`u kietacib`bî`u) ml ult za|ea s`gatix`m`u l siu}`u eaka |k` s`tiàslg kibi+
k`giu}` mau ztant`k`u ml mlulbsagsiklb}a' z`uu`bma ` |k` lu}t`}éni` ztiati}àti` lk
Kaî`kdip|l"
Eak ` `mazîåa ma Zg`ba ml @eîåa z`t` Tlm|îåa m` Zadtlx` @duag|}` &Z@TZ@)' lk
Kaî`kdip|l }am`u `u lu}t`}éni`u zagë}ie`u l ztant`k`u nasltb`klb}`iu ztauuln|lk aadhle}isa elb}t`g ml tlm|îåa m` zadtlx` `duag|}`' `}t`séu ml lucatîau ml ztakaîåa ma
mlulbsagsiklb}a leabõkiea l uaei`g" É z`zlg ma Lu}`ma a caklb}a m`u ibct`+lu}t|}|t`u
f|k`b`u l cëuie`u l ibu}i}|eiab`iu l ml ztasiuåa mau ultsiîau dàuieau p|l etilk |k
`kdilb}l c`satàslg l ibm|}at ml lvz`buåa m` ibiei`}is`' `eîåa l ibslu}iklb}a ztis`mau"
Zat lu}` si`' `kzgi`k+ul `u zauuidigim`mlu ma bleluuàtia etlueiklb}a leabõkiea l ibeg|+
uisa' p|l é |k c`e}at etë}iea z`t` a `|klb}a ma lkztlna l' eabulp|lb}lklb}l' z`t` a
ztantluua u|u}lb}àslg b` tlm|îåa m` zadtlx`"
Au zadtlu ztleiu`k ml c`e}a ml p|`iup|lt ultsiîau cib`belitau ml lkztéu}ika a| za|+
z`bî` z`t` u|u}lt `u u|`u bleluuim`mlu' k`u p|lu}ülu gin`m`u `a bëslg e|g}|t`g l ct`e`u
f`digi}`îülu gi}ltàti`u }atb`k micëeig a `eluua êu ibu}i}|iîülu catk`iu cib`belit`u z`t` tluag+
slt u|`u bleluuim`mlu" É blu}l eab}lv}a p|l u|tnl a kietaetémi}a' eaka |k` m`u catk`u
a| cab}l ml uag|îåa ma ztadglk` ml c`g}` ml `eluua `au ultsiîau cib`belitau z`t` `u zlu+
ua`u zadtlu' `}t`séu ml zlp|lbau lkztéu}ikau eabelmimau ` lu}l nt|za"
@u kietacib`bî`u båa uåa |k` uag|îåa z`t` a eakd`}l ê zadtlx`' k`u uik |k` `g}ltb`+
}is` z`t` au zadtlu eab}t` ` lveg|uåa uaei`g l a `eluua `a mibflita' é lu}l uln|bma
`uzle}a p|l ità zat si` m`u `e}isim`mlu ` ultlk mlulbsagsim`u' `h|m`t `au zadtlu ` ultlk
`|}a+u|cieilb}lu" A eakd`}l ê zadtlx` z`uu` }`kdék zlg` e`z`eim`ml mau zadtlu
zamltlk za|z`t' l `uuik zamltlk tl`gix`t kieta lkztllbmiklb}au l ibslu}iklb}au"
0 A u|eluua m` lvzltièbei` m` ^atgm Tlgilc |g}t`z`uua| }am`u `u lvzle}`}is`u kluka `u k`iu zluuikiu}`u' `
atn`bix`îåa tlniu}a| }`v`u ml tllkdagua l ml e|kztiklb}a mau ztaelmiklb}au b` e`u` mau 0::, zatz`t}l ml ul|u dlblcieiàtiau' l ulb}i| `}é ` bleluuim`ml ml `|klb}`t a sag|kl ma etémi}a"
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 >
M`m` ` c`g}` ml za|z`bî`u p|l lu}` e`k`m` }lk sibma ` k`biclu}`t' a kietaetémi}a }at+
b`+ul `g}ltb`}is` z`t` a `|klb}a ma tlbmiklb}a' ma p|`g |k` z`t}l zamltà ult z`t` a
eabu|ka l a|}t` z`t` ` za|z`bî`' p|l tlu|g}`tà lk ibslu}iklb}au lk c|}|t`u `e}isim`+
mlu"A eabeli}a ml Kietacib`bî` b`uel lk 099<' }lbma eaka ib}ltslbilb}lu ztibeiz`iu ` @HK
`e}|`gklb}l Uletl}`ti` m` Eaazlt`îåa Ib}ltb`eiab`g &UEI) l ` Eaazlt`îåa U|ëî` z`t`
zlup|iu` m`u catk`u }t`mieiab`iu ml etémi}a l ml za|z`bî` lk Kaî`kdip|l' }lbma
eaka kiuuåa ztikàti`' a `zaia `a g`bî`klb}a ml |k ztahle}a+ziga}a ml Kieta+Etémi}a
z`t` c|}|tau kieta+lkztluàtia' }lbma eaka ule}at `gsa ` Lm|e`îåa l U`øml' eabua`b}l
au tlu|g}`mau l lcieàei` m`u `e}isim`mlu tl`gix`m`u' z`uu`ti`+ul z`t` |k` Ibu}i}|iîåa sae`+
eiab`m` `a ule}at m` Kieta+Cib`bî`u4
"@ 05 ml A|}|dta' é ztak|gn`ma a Mletl}a ma Eabulgfa ml Kibiu}ta b¸ <5!96 p|l `|}ati+
x` ` `dlt}|t` m` ztiklit` Ibu}i}|iîåa ml Kieta+Cib`bî`u lk Kaî`kdip|l &]ef|k`)' }lb+
ma eaka e`zi}`g uaei`g ]tèu Kig Kigfülu ml Kl}ie`iu l eaka `eeiabiu}`u ibu}i}|eiab`iu a
C|bma ml Mlulbsagsiklb}a Eak|bi}àtia &CME) l ` UEI"
@e}|`gklb}l' a Basa D`bea é ` k`iat Ibu}i}|iîåa ml Kietacib`bî`u ` azlt`t lk Kaî`k+
dip|l' k`iu luzleicie`klb}l b` àtl` ma Kietaetémi}a5" A Basa D`bea ml}ék elte` ml
09, ma }a}`g mau egilb}lu m`u Kieta+Cib`bî`u l =3, ma }a}`g m` tluzle}is` e`t}lit` ml
etémi}a" Uln|lk+ul a UAETLKA l ]EF\K@ p|l eakzgl}`k ` giu}` m`u ibu}i}|iîülu ml
Kietacib`bî`u azlt`bma b|k` d`ul eakltei`g"
Ba äkdi}a ma ztahle}a ma Elb}ta z`t` ` Ztakaîåa ml Ultsiîau Cib`belitau T|t`iu cai
eabelmim` `a Basa D`bea |k` c`eigim`ml ml |k c|bma ml etémi}a ba s`gat ml maiu
Kigfülu ml mõg`tlu `kltie`bau' eak a ib}|i}a ml zauuidigi}`t ` lvz`buåa m` u|` e`t}lit`
ml etémi}au" Ê ulklgf`bî` ml a|}t`u Ibu}i}|iîåa ml Kietacib`bî`u a Basa D`bea lu}à `
lvz`bmit ` u|` ztlulbî` l `e}isim`mlu ` a|}t`u tlniülu ma z`ëu' bakl`m`klb}l z`t` `
Dlit`' B`kz|g` l Efikaia" @ u|` e`t}lit` ml egilb}lu ibeg|i zlp|lb`u l kémi`u lkztlu`u
mau ule}atlu m` eabu}t|îåa' z`bicie`îåa' eabcleîülu' e`dlglitlitau' kadigiàtiau l `siàtiau"
M|`u a|}t`u ibu}i}|iîülu ml Kietaetémi}a' gin`m`u ` ABN½u azlt`k b` ztasëbei` ml P|l+
gik`bl' eak mlu}`p|l z`t` ` O`tlg` ‗Lbtip|lelt b` gëbn|` gae`g‛ p|l eabelml lkztéu}i+
kau ` nt|zau ml p|`}ta a| eibea k|gfltlu eak tlbmiklb}au d`ivau l ibelt}au p|l ul
mlmie`k ê zlue` l `a eakéteia ml zlivl' ê `z`bf` l eakéteia ml ct|}au a| ultsiîau ml
4 Slh`+ul @ctie`"u`za"z}5 ~~~"ezuct"atn"kx
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 6
}t`buzat}l ml zluua`u ml dieiegl}`u lb}tl a e`kza l ` eim`ml" A s`gat kàvika zat e`m`
lkztéu}ika é ml <:: kig Kl}ie`iu &klbau ml 4: L|tau)' zat zt`xau ml 03 ulk`b`u l eak
tllkdaguau ulk`b`iu"
Lk Kaî`kdip|l' a ule}at ml Kietacib`bî`u é `ibm` k|i}a mlciei}àtia' lk 4::< `zlb`ueab}`s` eak <<::: egilb}lu l |k` e`t}lit` ml 0<'= kigfülu ml \UM =" Kaî`kdip|l é |k
z`ëu lk ct`ea mlulbsagsiklb}a? iu}a mlsl+ul `a c`e}a ml Kaî`kdip|l zauu|it |k uiu}l+
k` cib`belita za|ea mlulbsagsima' |k méciel ml etlueiklb}a l nt`slu miuz`tim`mlu ule+
}ati`iu l luz`ei`iu lb}tl K`z|}a l a tlu}a ma z`ëu"
@ eabh|b}|t` cib`belit` lu}à k`te`m` zat |k` tlm|îåa m` mlus`gatix`îåa ma kl}ie`g l
zat |k` ztantluuis` kl}ie`gix`îåa m` leabaki`" Ba p|l mix tluzli}a ` etémi}au d`beà+
tiau' `u }`v`u ml h|tau zt`}ie`m`u zlgau d`beau uåa d`u}`b}lu lgls`m`u l ui}|`k+ul b`atmlk mau 50,' eti`bma b` k`iat z`t}l m`u slxlu a ulb}iklb}a ml lveg|uåa uaei`g zat
z`t}l m`u c`këgi`u l zluua`u p|l båa zauu|ë`k n`t`b}i`u cib`belit`u l z`}tikabi`iu z`t`
tleattltlk a etlmi}a }t`mieiab`g"
A ule}at d`beàtia catk`g e`t`e}ltix`+ul zat |k` cat}l eabelb}t`îåa ml p|`}ta d`beau
&DIK' D`bea @|u}t`g' DEI' U}`bm`tm D`bo) p|l eabelb}t`k 95, ma `e}isa" Ba ule}at
ibcatk`g `u c`këgi`u }lk az}`ma zlg` ztà}ie` ma &vi}ip|l)<' lk ml}tiklb}a ma mlzõui}au
bau D`beau"
Æ eabslbilb}l p|l `u Ibu}i}|iîülu Cib`belit`u kaî`kdie`b`u' etilk kle`biukau' lu}t`+
}éni`u l zagi}ie`u ml `giei`klb}a mau egilb}lu t|t`iu' |k` slx p|l 6<, m` zaz|g`îåa `e}i+
s` ul lbeab}t` ba klia t|t`g' `u zaz|g`îülu t|t`iu tlztlulb}`k >6, m` zaz|g`îåa
kaî`kdie`b` l <>, m` zaz|g`îåa miuzül ml |k` za|z`bî`"
Ulbma `uuik' `u ibu}i}|iîülu cib`belit`u' mlslti`k c`satlelt a `eluua `au ultsiîau l zta+
m|}au cib`belitau m`u zaz|g`îülu t|t`iu p|l `}é `a kaklb}a ul lbeab}t`k k`g ultsim`u"
E`dl ê Kietacib`bî` }ak`t |k z`zlg ztlzabmlt`b}l ba eab}lv}a zagi}iea' uaei`g l lea+
bõkiea' c`satlelbma a lp|igëdtia' in|`gm`ml l ` miu}tid|iîåa m` tip|lx` zlga z`ëu' l zat
a|}ta g`ma zltki}ibma a mlulbsagsiklb}a `|}õbaka l u|u}lb}àslg m`u eak|bim`mlu
mluc`satleim`u l lveg|ëm`u m` uaeilm`ml"
= ~~~"ezuct"atn"kx
<
Uåa uiu}lk`u ibcatk`iu ml mlzõui}au lk zlp|lb` lue`g` p|l lviu}lk lk Kaî`kdip|l' luzlei`gklb}lb`u xab`u t|t`iu' p|l ztasimlbei`k êu zaz|g`îülu t|t`iu a `eluua `u za|z`bî`u nlt`m`u gae`gklb}l lc|beiab`k eaka |k` elt}` `g`s`be` lk zltëamau ml mlulp|igëdtiau leabõkieau"
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 9
Lk Kaî`kdip|l' a ule}at m`u Kietacib`bî`u é e`t`e}ltix`ma zlg` ztlulbî` ml sàtiau
`e}atlu l ma`matlu p|l ibslu}lk ba ule}at" A D`bea ml Kaî`kdip|l }lk mlulkzl+
bf`bma a z`zlg ml Lb}im`ml klt`klb}l tln|g`mat` l ciue`gix`mat`" Au Azlt`matlu ml
Kietacib`bî`u tlnlk+ul zlga Tln|g`klb}a m`u Kietacib`bî`u &TKCu)3
"
Lk Kaî`kdip|l' ` E`iv` Eak|bi}àti` ml Etémi}a l Za|z`bî` &EEEZ) l a Basa D`bea
uåa `u Ibu}i}|iîülu Cib`belit`u p|l `ztlulb}`k k`iat bøklta ml egilb}lu' }lbma `u m|`u
k`iu ml >::: egilb}lu' iu}a mlsl+ul ê kl}amagani` |}igix`m` zat lg`u' ba p|l eabeltbl ê
EEEZ' }lk az}`ma zat |k` zagi}ie` ml lkztéu}ikau lk p|l ztisiglni` `u `uuaei`îülu
eabu}i}|ëm`u zat nt|zau uagimàtiau' tlm|xibma `uuik a nt`| ml tiuea"
@ @kamlt' lkdat` lu}lh` ba ule}at ` gabnau `bau' ` u|` e`t}lit` ml egilb}lu l k|i}a
tlm|xim`' iu}a mlsl+ul `a c`e}a m` @kamlt ztakaslt ` eabeluuåa ml etémi}a z`t` ` tl`gi+
x`îåa ml ibiei`}is` gae`g êu zlp|lb`u l kémi`u lkztlu`u &ZKL½u)' ztis`m`u l b`eiab`iu
p|lt ulh`k ibmisim|`iu' `uuaei`îülu a| eaazlt`}is`u' mluml p|l lu}`h`k gln`gklb}l
eabu}i}|ëm`u"
@ @kamlt' }lk |}igix`ma |k` lu}t`}éni` ml eagae`îåa ml etémi}a ba ule}at m`u ZKL½u'
lveg|ibma blu}` c`ul a cib`bei`klb}a ml kieta+lkztlu`u t|t`iu' ` båa ult p|l ul lu}`dl+
glî`k z`telti`u eak `u ABN½u gae`iu a| a|}t`u catk`u `uuaei`}is`u' lu}` lu}t`}éni`d`uli`+ul ba c`e}a ml lviu}itlk `g}au e|u}au azlt`eiab`iu' giki}`mau tlu|g}`mau' `|uèbei`
ml leabaki` ml lue`g` l zlg` miuzltuåa nlantàcie` p|l båa zltki}l a `eakz`bf`klb+
}a eabslbilb}l ma etémi}a"
Lk Kaî`kdip|l' eaka lk p|`gp|lt a|}ta z`ëu lk si`u ml mlulbsagsiklb}a' `u k|gfl+
tlu uåa `gsau càeliu m` lveg|uåa uaei`g' |k` slx p|l `ibm` lviu}lk `gn|bu ztleabeli}au
ba ulia m`u uaeilm`mlu `ctie`b`u" K`u lk Kaî`kdip|l' e`dl `a ule}at m` Kietacib`bî`u
`h|m`t ` eab}atb`t ` ui}|`îåa eabcatkl ig|u}t` a ntàciea `eik`"
@ lgls`m` }`v` ml k|gfltlu' zaml ult |k ibmie`}isa p|l `u Ibu}i}|iîülu ml Kietacib`bî`u
lu}åa `dt`bnlt `u e`k`m`u k`iu zadtlu l mluc`satleim`u ml Kaî`kdip|l' `a kluka
}lkza p|l lu}à ` }lt |k ikz`e}a b` klgfati` m`u eabmiîülu ml sim` mau `ntln`mau
c`kigi`tlu' lk z`t}ie|g`t mau `ntln`mau eflci`mau zat k|gfltlu" Uåa ka}isau z`t` lu}`
k`iat e`b`gix`îåa ml kietaetémi}a z`t` `u zluua`u ml ulva clkibiba' a uln|ib}l8
3 D`bea ml Kaî`kdip|l"~~~"d`beakae"kx' Tln|g`klb}a m`u Kieta+Cib`bî`u' Mletl}a b¸ <>!4::=' ml 0:ml Mlxlkdta"
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 0:
․ Zat t`xülu nlbé}ie`u l uaei`iu' `u k|gfltlu }èk klbau azat}|bim`mlu ml lkztlna ba
ule}at catk`g l lk c`el miuua' lg`u mlmie`k+ul' z`t` `gék' ml `e}isim`ml makéu}ie`u `
a|}t`u ml tlbmiklb}a k`u ml zlp|lb` lue`g` &`|}a+lkztlna)"
․ @ k`iat z`t}l mlg`u mlulbsagslk `u u|`u `e}isim`mlu mlb}ta ma ule}at ibcatk`g' luadtl}|ma' ` `e}isim`ml eakltei`g' p|l zat uib`g é ` p|l `ztlulb}` `u k`iatlu }`v`u ml
nita ma e`zi}`g"
․ @u k|gfltlu `ztlulb}`k |k` klbat }`v` ml mlgibp|èbei`' eakz`t`}is`klb}l `au
faklbu e|h`u `u }`v`u ml tllkdaguau uåa k|i}a d`iv`u"
@u k|gfltlu ` p|lk lu}à ` ult `}tid|ëm` ` in|`gm`ml ml `eluua `a uiu}lk` ml cib`bei`+
klb}a ma Kietaetémi}a' båa uõ }lk ztas`ma p|l uåa zluua`u imõbl`u l e|kztimat`u bau
tllkdaguau' eaka lvelglb}l kieta+lkztluàti`u" Lk eabulp|èbei`' lgls`t`k a ul| lu}`+
}|}a' mikib|ët`k ` mlzlbmèbei` lk tlg`îåa `au ul|u k`timau' ibslu}it`k b`u u|`u e`u`u
l tlcatî`t`k ` b|}tiîåa mau ul|u cigfau" @ k`iat z`t}l mlu}`u k|gfltlu uåa eakltei`b}lu
ibcatk`iu' zlp|lba kieta+lkztluàti`u ma ule}at ibm|u}ti`g l ml `gn|k`u atn`bix`îülu
gin`m`u `a ule}at ml ztlu}`îåa ml ultsiîau"
Au tàeiau m` e`t}lit` ml tiuea' z`t` ` k`iat z`t}l m`u Ibu}i}|iîülu ml Kieta+Cib`bî`u lk
Kaî`kdip|l' }lk lu}`ma ` mikib|it' mluml a `ba 4:::' eab}|ma' `ibm` båa lu}åa bau
ëbmielu tleaklbmàsliu zlga K`b|`g ml da`u ztà}ie`u"
@u da`u ztà}ie`u' mlciblk 0, eaka ` z`telg` ml e`t}lit` lk tiuea z`t` zt`xau ml k`iu ml
9: mi`u' lu}l ntàciea ig|u}t` ml catk` siuëslg eaka `u ICK ul zauieiab`k' ulbma p|l' `
KLM@ eabuln|i `ge`bî`t 0'0, m` e`t}lit` ml tiuea lk 4::0' a p|l uinbicie` |k ibmie`mat'
ba e|kztiklb}a m` batk`u m`u da`u zt`}ie`u sinlb}lu"
@ Uaetlka `ztlulb}`+ul eaka ` klgfat ICK lk }ltkau ml nlu}åa ml e`t}lit`' lbp|`b+
}a p|l ` @KAMLT' zauu|i ` ziat p|`gim`ml ml e`t}lit`' eak tàeiau ` s`ti`tlk lb}tl au
06, z`t` k`iu ml 5: mi`u l <9 z`t` k`iu ml 9: mi`u"
0"5" Lbp|`mt`klb}a gln`g m` Kietacib`bî` l Kietaetémi}a lk Kaî`kdip|l
A lbp|`mt`klb}a gln`g m`u Kieta+Cib`bî`u lk Kaî`kdip|l zaml ult e`t`e}ltix`ma ml
m|`u k`blit`u miu}ib}`u8 Kieta+Cib`bî`u `|}atix`m`u ` e`z}`t mlzõui}au l Kieta+Cib`bî`u
`|}atix`ma `zlb`u ` eabelmlt etémi}a"
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 00
P|`b}a êu Kieta+Cib`bî`u `|}atix`m`u ` e`z}`t mlzõui}au' a| ulh` ` tl`gix`îåa ml azlt`+
îülu d`beàti`u tlu}ti}`u' bau }ltkau mlcibimau zlg` gli 9!4::= &gli m`u Ibu}i}|iîülu ml Eté+
mi}a l Uaeilm`mlu Cib`belit`u) ml kaklb}a `ibm` båa e`tlel ml |k` glniug`îåa luzleë+
cie` &lk ztlz`t`îåa)" Lk tlg`îåa êu Kietacib`bî`u `|}atix`ma `zlb`u ` eabelmlt etémi}afahl lu}åa tln|g`klb}`m`u zlga Mletl}a b¸=>!96 ml 44 ml Ul}lkdta l zlga `siua
0!NNDK!99' p|l civ` c|bmau këbikau ` `cle}`t ba lvlteëeia m`u Kietacib`bî`u" Cai lu}`+
dlgleima ba Mletl}a b¸ =>!96 |k kab}`b}l ml <: Kigfülu z`t` Lb}im`mlu `|}atix`m`u `
mlulbsagslt `e}isim`ml ml Kieta+Cib`bî`u' a kab}`b}l mau etémi}au båa zaml lvelmlt
`a s`gat mleg`t`ma `a DK' `gae`ma ê u|` `e}isim`ml' mlslbma `zgie`t }`v`u ml h|tau gistlu"
Kieta+Cib`bî`u lk Kaî`kdip|l é e`t`e}ltix`ma eaka `e}isim`ml p|l eabuiu}l b` ztlu+
}`îåa ml ultsiîau cib`belitau luulbei`gklb}l lk azlt`îülu ml tlm|xim` l kémi` miklb+uåa>"
Lk Kaî`kdip|l' au azlt`matlu ml Kietacib`bî`u a| Ibu}i}|iîülu ml Kietacib`bî`u &IKC)'
e`t`e}ltix`k+ul zat ultlk Lb}im`mlu Uibn|g`tlu a| Eagle}is`u p|l ul mlmie`k' eak
e`tàe}lt f`di}|`g l ztaciuuiab`g ê `e}isim`ml ml Kietacib`bî`u"
Ba p|l eabeltbl ` u|zltsiuåa a| eab}taga' e`dl `a D`bea ml Kaî`kdip|l &DK) tl`gixà+
g`u' z`t` }`g a DK lvle|}` u|zltsiuåa zt|mlbei`g6 l u|zltsiuåa kabi}atix`m`9"
0" =" Ikz`e}a ma Kietaetémi}a lk Kaî`kdip|l
A Kietaetémi}a }lk mlulkzlbf`ma |k z`zlg `e}isa ba eakd`}l ` tlm|îåa ma ëbmiel
ml ibeimèbei` m` zadtlx`' blu}l kaklb}a a ikz`e}a é k`iu ba}õtia b`u xab`u t|t`iu'
abml ` }`v` z`uua| ml >:'<,' z`t` <='3,0:' lu}` tlm|îåa tlcgle}l+ul ba klgfat`klb}a
m`u eabmiîülu ml sim` m` zaz|g`îåa' uadtl}|ma b` ztasiuåa mau ultsiîau uaei`iu dàuieau"
@e}|`gklb}l' >:'<, mau `ntln`mau c`kigi`tlu }lk |k klte`ma `a `ge`bel lk klbau ml
|k` fat` ml e`kibf`m`" Lk Kaî`kdip|l adults`+ul a etlueiklb}a ma kasiklb}a ml
eim`måau m`u xab`u t|t`iu z`t` ` eim`ml' l a `|klb}a mau bësliu ml mlulkztlna l
> D`bea ml Kaî`kdip|l"~~~"d`beakae"kx' Tln|g`klb}a m`u Kieta+Cib`bî`u' Mletl}a b¸ <>!4::=' ml 0:ml Clsltlita"
6 U|zltsiuåa elb}t`m` b` ciue`gix`îåa l `eakz`bf`klb}a ma e|kztiklb}a ml batk`u ml b`}|tlx`zt|mlbei`g' bakl`m`klb}l uadtl tàeiau ml uags`digim`ml' tlults`u adtin`}õti`u' giki}lu ml tiuea' }lbmalk siu}` ` zta}leîåa ma uiu}lk` cib`belita eaka |k }ama l uln|t`bî` mau c|bmau zødgieau lk e`m`Ibu}i}|iîåa"
9 Klta `eakz`bf`klb}a m` ztlu}`îåa ml ultsiîau cib`belitau zat azlt`matlu ml kietacib`bî`u p|l båaulh` Ibu}i}|iîülu ml etémi}a blk Uaeilm`mlu cib`belit`u' cae`gix`m`u b` tlelzîåa ml ibcatk`îåa uadtl
ultsiîau cib`belitau zat lglu tl`gix`mau' z`t` cibu lu}`}ëu}ieau"0: Slh`+ul ~~~"diz"nas"kx ' Tlg`}õtia `b|`g ml u|` Lvelgèbei` Ha`p|ik @gdlt}a Efiuu`ba' Ztluimlb}l ml
Kaî`kdip|l
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 04
zadtlx`" A Nasltba kaî`kdie`ba }lk lcle}|`ma |k lucatîa `etlueima' ba ulb}ima ml
eti`t kle`biukau ml ztakaîåa ml lkztlna `}t`séu ml `eîülu ml catk`îåa Ztaciuuiab`g
l ml mlulbsagsiklb}a ml zlp|lbau ztahle}au ml nlt`îåa ml tlbmiklb}au"
@ ikzglklb}`îåa ml lu}t`}éni`u m` Eakltei`gix`îåa @ntëeag` }lk zltki}ima ` imlb+}icie`îåa mau ztadglk`u t|t`iu l a zg`ba ml uag|îülu k|g}iule}ati`iu p|l såa mluml `
tl`digi}`îåa ml si`u ml `eluua' ê tleagf` l eakzig`îåa ml ibcatk`îülu uadtl klte`mau'
ztlîau mau ztam|}au `ntëeag`u l ` u|` miuulkib`îåa lk gëbn|`u gae`iu eak a |ua m`u
tàmiau eak|bi}àti`u"
Ulbma `uuik' luzlt`k+ul tlu|g}`mau zaui}isau ml kama p|l zauu`k eab}tid|it ml catk`
lcie`x l lcieilb}l b` sim` p|a}imi`b` mau e`kzablulu' }lbma lu}lu ` zauuidigim`ml ml
`mp|itit `gn|bu eabfleiklb}au c|bm`klb}`iu z`t` |k` klgfat eakztllbuåa m` u|``e}isim`ml ztam|}is` l z`t` ` lgls`îåa ma ul| bëslg ml sim`"
Eabu}i}|lk lucatîau ba}õtiau ba ule}at m` @ntie|g}|t` a g`bî`klb}a ml ztant`k`u ma
`ttax' uah` l a caklb}a m` ct|}ie|g}|t`' ba ule}at zlup|lita a mlulbsagsiklb}a m` `p|`+
e|g}|t`"
Ba eab}lv}a leabõkiea lk p|l Kaî`kdip|l ul lbeab}t`' lvinl+ul |k` k`iat `t}ie|g`+
îåa lb}tl `u IKC l a nasltba' |k` slx p|l `u zaz|g`îülu t|t`iu hà eaklî`k ` lvinit
lu}`dlgleiklb}au d`beàtiau bau ul|u miu}ti}au l gae`gim`mlu z`t` n|`tm`tlk `u u|`u
za|z`bî`u p|`bma eabuln|lk eakltei`gix`t z`t}l m` u|` ztam|îåa" Tleg`k`k zat
klgfatlu si`u tamasiàti`u' ultsiîau zødgieau l zat |k klgfat `d`u}leiklb}a m` àn|`'
lbltni` l eak|bie`îülu ml catk` p|l zauu`k `uuln|t`t a luea`klb}a mau ul|u lvel+
mlb}lu `ntëeag`u"
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 05
Z`t}l II
4" @KAMLT ― @uuaei`îåa Kaî`kdie`b` z`t` a Mlulbsagsiklb}a T|t`g
4" 0" Ib}tam|îåa
A lu}|ma `ztlulb}` `gn|k`u m`u eab}tid|iîülu ma kietaetémi}a b` tlm|îåa ml zadtlx`
lk Kaî`kdip|l ba nlt`g l lk Bi`uu` lk z`t}ie|g`t" Bi`uu`' ui}|`+ul ba bat}l ml
Kaî`kdip|l l }lk |k` u|zltcëeil }a}`g ml 04:":>= Ok´" C`x ctab}lit` ib}ltb`klb}l eak
`u ztasëbei`u ml E`da Mlgn`ma' B`kz|g` l X`kdéxi`? l lv}ltb`klb}l c`x ctab}lit` eak
K`g`~i l ]`bxäbi`"
Bi`uu` zauu|i |k` mlbuim`ml zaz|g`eiab`g ml 0":4>"0>9 mau p|`iu <:<"0>9 uåa faklbu
l <40"6<5 uåa k|gfltlu' `zlu`t ml ult ` ztasëbei` p|l zauu|i ` k`iat lv}lbuåa }ltti}ati`g
ba}`+ul |k méciel ba p|l eabeltbl ` mlbuim`ml zaz|g`eiab`g" Kl}amaganie`klb}l
tleattl|+ul ` `kau}t`nlk l' ` ztibeiz`g }éebie` ml tleagf` ml ibcatk`îülu |u`m` cai `
mau ibp|éti}au u|dkl}imau ` 3: dlblcieiàtiau ml kietaetémi}a b` ztasëbei` ml Bi`uu`'
eabetl}`klb}l b` eim`ml ml Giefibn`' miu}ti}a ml E|`kd` l miu}ti}a ml K`bmikd`'
et|x`bma+ul mlzaiu eak ` ibcatk`îåa tleagfim` h|b}a ml 3 azlt`matlu ml kietaetémi}a"
@u ibu}i}|iîülu ml kietaetémi}a ztisiglni`k `zlb`u a etémi}a ml e|t}a zt`xa' mlu}ib`ma
k`iati}`ti`klb}l z`t` a ule}at eakltei`g' b|k z`ëu abml ` `ntie|g}|t` é ` d`ul m`
leabaki` l ` k`iat z`t}l m` zaz|g`îåa tluiml b`u xab`u t|t`iu" Bi`uu` é |k` ztasëbei`
abml ` k`iati` m` u|` zaz|g`îåa sisl b`u xab`u t|t`iu l }lk |k `g}a za}lbei`g `ntëeag`
mlsima ê da` p|`gim`ml mau uagau l êu ef|s`u tln|g`tlu"
4" 4" Ui}|`îåa ma Mlulbsagsiklb}a F|k`ba l Leabõkiea ml Bi`uu`
Ml `eatma eak a tlg`}õtia ma Mlulbsagsiklb}a F|k`ba ml Kaî`kdip|l 0999
&TMFK99) a ëbmiel ml mlulbsagsiklb}a f|k`ba &IMF) ml Bi`uu` z`t` 0996 cai lu}ik`ma
lk :'44>" Bi`uu` é |k` ztasëbei` gae`gix`m` ba bat}l ml Kaî`kdip|l' `e}|`gklb}l é `
p|`t}` ztasëbei` eak a klgfat ëbmiel ml IMF lk Kaî`kdip|l' k`u eak klgfat &IMF)
lb}tl `u ztasëbei`u m` tlniåa bat}l &Kibiu}étia ml Zg`ba l Cib`bî`u' 0:84::)" @ ztasëbei`
ml Bi`uu` tlztlulb}` 03, m` u|zltcëeil }a}`g ma z`ëu' ulbma zat iuua ` k`iat ztasëbei` ml
Kaî`kdip|l" Lk eab}t`z`t}im`' Bi`uu` zauu|i ` klbat zaz|g`îåa" Eak |k` zaz|g`îåa
lu}ik`m` lk 6=9 kig f`di}`b}lu lk 0999" @ xab` t|t`g lk Bi`uu` é ` k`iu zasa`m`'
eakzat}`bma elte` ml >3'30, mau f`di}`b}lu m` zaz|g`îåa }a}`g m` ztasëbei`' m` zaz|+
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 0=
g`îåa zadtl b` ztasëbei` >>'63, sisl b` xab` t|t`g l 44'0=, sisl b` xab` |td`b` &Kibiu+
}étia ml Zg`ba l Cib`bî`u' 4:::)"
Lb}tl 0993 l 0996' ` leabaki` m` ztasëbei` ml Bi`uu` ztam|xi| elte` ml 4'3, ma ztam|+
}a ib}ltba dt|}a &ZID) b`eiab`g" @ `ntie|g}|t` eab}tid|i| eak elte` ml <0, m` ztam|îåam` ztasëbei` ml Bi`uu`' uln|ibma+ul a eakéteia eak 0=,' ` ibmøu}ti` k`b|c`e}|tlit`
eak >,' au }t`buzat}lu l eak|bie`îåa eak 3,' l `u cgatlu}`u eak =," Lk }ltkau ml ZID
zlt e`zi}`' ` leabaki` ml Bi`uu` etluel| ml 9> \U-' lk 0993' z`t` 046\U-' lk 0996' a|
ulh`' |k etlueiklb}a leabõkiea kémia ml 0<, `a `ba' lk }ltkau bakib`iu' l 0=, lk
}ltkau tl`iu" Ma zab}a ml siu}` m` lu}t`}éni` m` tlm|îåa m` zadtlx`' lu}` nt`bml
mlzlbmèbei` m` zaz|g`îåa m` `ntie|g}|t` l ` ct`e` `e}isim`ml }lteiàti` l ibm|u}ti`g uåa
ztlae|z`b}lu"@ ztasëbei` }lk |k `g}a za}lbei`g `ntëeag` mlsima ` da` p|`gim`ml mau uagau l `u ef|s`u
tln|g`tlu' l é e`t`e}ltix`m` zat |k egik` }tazie`g føkima" @ `ntie|g}|t` é ` ztibeiz`g
`e}isim`ml m` ztasëbei` l lk nt`bml z`t}l `u e|g}|t`u lu}åa u|hli}`u ê `eîåa ml `bik`iu
ulgs`nlbu &lglc`b}lu' k`e`eau' zateau ml k`}a)' a p|l `cle}` d`u}`b}l ` uln|t`bî` `gi+
klb}`t m` zaz|g`îåa"
@ ztasëbei` ml Bi`uu` zauu|i `u xab`u ml leabaki` `giklb}`t' abml `u c`këgi`u eabul+
n|lk k`iu a| klbau m` kluk` k`blit` `giklb}`tlk+ul l ad}ltlk |k tlbmiklb}a8
Xab` ztam|}is` Elb}ta+Bat}l &miu}ti}au ml E|`kd`' Kle`bflg`u' K`bmikd`' Kl}`tie`'
K`ø` l Bizlzl)" Lu}` é ` xab` k|i}a ztam|}is` eak a kigfa' k`zit`' k`bmiae`' clihåa'
`klbmaik l a `ttax eaka ztibeiz`iu e|g}|t`u `giklb}`tlu" Lviu}lk e|g}|t`u ml tlbmiklb+
}a eaka `gnamåa' }`d`ea' e`b`+ml+`îøe`t' d`b`b` l `gn|bu miu}ti}au a nit`uuag" @ zle|à+
ti`' ` zlue` l e`î` uåa zt`}ie`m`u eaka `e}isim`ml ule|bmàti`u"
Xab` Batalu}l &miu}ti}au ml B½n`|k`' Giefibn`' K|lkdl' U`bn` l G`na)" Lu}` xab`
}`kdék }lk da`u eabmiîülu ml ztam|îåa `ntëeag`' eak k|i}` ztam|îåa ml d`}`}`
tlba' d`}`}`+mael l clihåa' `glk ml e|g}|t`u ztam|xim`u lk }am` ztasëbei` &k`bmiae`'
kigfa' k`zit`' l za|ea `klbmaik l `ttax)" @u ztibeiz`iu e|g}|t`u ml tlbmiklb}a' `glk
m` d`}`}` l clihåa' uåa a }`d`ea l ` e`b`+ml+`îøe`t" @ zlue` é |k` `e}isim`ml k|i}a
ikzat}`b}l z`t` `u c`këgi`u p|l sislk b`u k`tnlbu mau tiau ma G`na Bi`uu`"
Xab` Bat}l Iuag`m` &miu}ti}au ml K`s`na' K`h|bl' K`tt|z` l Kle|g`)" É |k` xab` za|+
ea f`di}`m`' `u eabmiîülu z`t` ` ztam|îåa `ntëeag` uåa da`u' k`u zltml+ul nt`bml z`t}l
m`u e|g}|t`u mlsima `au lu}t`nau ztasae`mau zlgau `bik`iu ulgs`nlbu" @u ztibeiz`iu e|g+
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 0<
}|t`u `giklb}`tlu uåa8 kigfa' k`bmiae` l `ttax" @u e|g}|t`u ml tlbmiklb}a uåa }`d`ea l
e`b`+ml+`îøe`t e|g}is`m` zat za|e`u c`këgi`u" @ zlue` é zt`}ie`m` bau tiau lk }amau au
miu}ti}au" @ lviu}èbei` ml ibct`+lu}t|}|t`u uaei`iu b|k` tlniåa l a `eluua ê zaz|g`îåa mlu+
u` tlniåa' eab}tid|i z`t` a ul| dlk+lu}`t uaei`g" @u si`u ml `eluua uåa ikzat}`b}lu zatn`t`b}itlk |k` k`iat eak|bie`îåa lb}tl micltlb}lu xab`u m` tlniåa' zltki}ibma mlu}l
kama |k` klgfat eite|g`îåa m` zaz|g`îåa `uuik eaka ml dlbu l ultsiîau"
@ tlml eakltei`g é za|ea mlulbsagsim` b` ztasëbei`' eak ` lvelzîåa ml `gn|bu miu}ti}au
eaka Giefibn`' E|`kd` l au miu}ti}au ctab}litiîau eak K`g`~i &Kle`bflg`u l K`bmik+
d`)' ulbma ` ui}|`îåa k|i}a ztadglkà}ie` bau miu}ti}au ma ib}ltiat' Kle|g`' K`s`na'
K`h|bl' K`tt|z` l Bizlzl" @ ztibeiz`g e`|u` mau ztadglk`u eakltei`iu `zab}`k+ul `u
zéuuik`u eabmiîülu m`u si`u ml `eluua' ztibeiz`gklb}l ba }lkza m`u ef|s`u' `uuikeaka ` iblviu}èbei` a| mlu}t|iîåa m`u ibct`+lu}t|}|t`u cëuie`u &klte`mau l gah`u)' l ` c`g}`
ml e`zi}`g z`t` tl`digi}`îåa l ibslu}iklb}a bau blnõeiau"
@zlu`t ml lviu}itlk eabmiîülu c`satàsliu z`t` ` ztam|îåa `ntëeag` lk p|`ul }am` ` zta+
sëbei`' `u c`këgi`u zadtlu lk nlt`g uõ ztam|xlk a u|cieilb}l z`t` 3 ` 6 klulu" A tlu}a ma
`ba }t`d`gf`k lk }tae` ml eakim`' eakzt`k a| tleldlk mab`}isau' eabuaklk ct|}au
uigslu}tlu l tlm|xlk a bøklta m`u tlcliîülu" Cat` m` ztam|îåa `u ztibeiz`iu cab}lu ml
tlbmiklb}a uåa a n`bfa+n`bfa' slbm` ml dldim`u `geaõgie`u l ztam|}au `t}lu`b`iu z`t`
`u c`këgi`u zadtlu? l a eakéteia l lkztlna z`t` `u c`këgi`u kémi`u l tie`u"
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 03
4" 5" Lu}t|}|t` Atn`bix`eiab`g m` @KAMLT
@ @KAMLT' @uuaei`îåa Kaî`kdie`b` z`t` a Mlulbsagsiklb}a T|t`g' cai c|bm`m` lk
Ul}lkdta ml 0995' é |k` zluua` eagle}is` p|l båa }lk zat cik a g|eta leabõkiea mau
`uuaei`mau' ma}`m` ml zltuab`gim`ml h|tëmie`' eak `|}abaki` `mkibiu}t`}is`' cib`belit` lz`}tikabi`g' tlnlbma+ul zlgau ztlulb}lu lu}`}|}au' zlga tluzle}isa tln|g`klb}au lv}lt+
bau l mlk`iu glniug`îåa `zgieàslg" Au c|bmau m` @KAMLT `e|k|g`mau ztasèk ztibei+
z`gklb}l ml ma`îülu l catbleiklb}au ml ta|z` |u`m` zlg` eak|bim`ml mau Z`ëulu
Bõtmieau' tlkl}im` z`t` Kaî`kdip|l zlg` ABN U|le` ‗UAGIM@TILM@ML ZTÀ]IE@‛"
A|}tau cib`bei`matlu z`t` ztant`k`u luzleëcieau uåa ` \biåa L|tazli`' ` Lkd`iv`m` Tl`g
m` Mib`k`te`' ` Lkd`iv`m` m` Itg`bm` l ` Avc`k Dégnie`"
Uad ` mitleîåa m` @KAMLT c|beiab` |k c|bma ml Mlulbsagsiklb}a T|t`g mlbakib`maC@MLT' p|l lvle|}` au ztant`k`u ml cib`bei`klb}a lu}`dlgleimau zlg` @uuaei`îåa' l `
\bim`ml ml ulgleîåa ml Ta|z`' p|l é tluzabuàslg zlg` tlelzîåa l slbm` m` ta|z` |u`+
m`" @ z`t}it ml 0996 ` @KAMLT etia| N`dibl}l ml Lu}|ma z`t` a `zaia ê ztlz`t`îåa' `bà+
giul l `s`gi`îåa mau ul|u ztant`k`u ml cib`bei`klb}a"
@ atn`bix`îåa m` @KAMLT `m`z}`+ul êu eabmiîülu m` `e}isim`ml m` `uuaei`îåa' bakl`+
m`klb}l ba p|l ul tlcltl `a }iza l p|`b}im`ml ml klkdtau' `a }iza l miuzltuåa nla+
ntàcie` mau ztahle}au p|l cib`bei` l `au ul|u lkztllbmiklb}a ml u|zat}l leabõkiea"
Ibiei`gklb}l ` d`ul m` nlu}åa miàti` m` @KAMLT lt` a ul| Eabulgfa ml Mitleîåa' p|l
ztae|t`s` ulk`b`gklb}l ztam|xit `u mleiuülu bleluuàti`u `a c|beiab`klb}a m` `uua+
ei`îåa"
Eab}|ma' lu}l }iza ml `mkibiu}t`îåa kau}ta|+ul ibu|cieilb}l z`t` `}lbmlt êu uagiei}`îülu
lvinim`u zat |k` c`ul ml kab}`nlk ma ztahle}a' l }`kdék z`t` m`t tluzau}` `a `eak+
z`bf`klb}a ma mlulbsagsiklb}a ma C@MLT' õtnåa p|l ml| eatza ztibeiz`g ê tl`gix`îåa
mau adhle}isau m` @KAMLT"
\k mitle}at lvle|}isa eak zamltlu ml mleiuåa z`t` ` tluag|îåa m`u tlcltim`u ui}|`îülu'
`e}|`bma ml catk` k`iu zltk`blb}l' cai |k` uag|îåa k`iu lcieilb}l z`t` lu}`u p|lu+
}ülu' gidlt}`bma `u mleiuülu ma Eabulgfa ml Mitleîåa z`t` au `uu|b}au ml e`tàe}lt ml
atilb}`îåa"
@ àtl` `mkibiu}t`}is` ba ib}ltiat m` atn`bix`îåa é atilb}`m` zat |k }éebiea p|l }lk `u
uln|ib}lu c|bîülu8
․ Ztlz`t`îåa m`u uluuülu ml Eabulgfa m` Mitleîåa?
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 0>
․ Nlu}åa ma atî`klb}a?
․ Nlu}åa m`u tlg`îülu eak a|}t`u ibu}i}|iîülu?
․ Nlu}åa m`u tlg`îülu lb}tl au klkdtau?
․ Nlu}åa mau kliau l ma zluua`g?
․ Atn`bix`îåa m` eattluzabmèbei`' `tp|isa l uletl}`ti`ma"
@u Tlztlulb}`îülu m` @KAMLT
@ @KAMLT' }lk ` u|` ulml lk K`z|}a" Bau e`uau lk p|l ` @KAMLT nlti| ml catk`
mitle}` a cib`bei`klb}a ml ztahle}au' kau}ta| ` lvzltièbei` p|l f`si` bleluuim`ml ml
lu}`dlglelt tlztlulb}`îülu miuzabma ml kliau `mlp|`mau `a ul| c|beiab`klb}a" @
eti`îåa mlu}`u tlztlulb}`îülu ` bëslg mau gae`iu lk p|l ` @KAMLT ztlsi` ` `e}|`tmlzlbml| luulbei`gklb}l m` zauuidigim`ml a| båa ml lbeab}t`t z`telitau ba }lttlba
p|l ul lbe`ttln`uulk m`u `eîülu ml `zaia ê tle|zlt`îåa m` tlml eakltei`g t|t`g"
Ibiei`gklb}l ` @KAMLT eabelb}ta| `u u|`u `eîülu b`u ztasëbei`u ml E`da Mlgn`ma'
X`kdéxi`' B`kz|g`' ]l}l l Bi`uu`" Zau}ltiatklb}l eabelb}ta|+ul b`u ztasëbei`u ml
Ibf`kd`bl l N`x`" Båa cai zauuëslg eadtit }ama a z`ëu' zaték' a e|u}a z`t` a lu}`+
dlgleiklb}a l z`t` a c|beiab`klb}a &u`gàtiau z`t` }éebieau l zluua`g ml `zaia' eakd|u+
}ëslg l k`b|}lbîåa ml si`}|t`' u|duimia ml mlugae`îåa' }lglcabl' k`}lti`g ml lueti}õtia'
l}e") ml e`m` tlztlulb}`îåa lt` k|i}a lgls`ma" A p|`mta ` d`iva ibmie` au miu}ti}au lk
p|l `e}|`k lk e`m` ztasëbei`8
@u tlztlulb}`îülu m` @KAMLT
Ztasëbei`u Miu}ti}au E`da Mlgn`ma Kab}lz|lx' B`k|ba' D`g`k`' Efiøtl' @be|`dl l K`eaki` Bi`uu` E|`kd`' K`bmikd`' Kle`bflg`u' Bizlzl' K`ø`' Kl}`tie`' K`tt|z`
l Kle|g` X`kdéxi` @g}a Kagõe|l' Nigé `a gabna m` lu}t`m` ml @g}a Kagõe|l ` Kae|d`
]l}l @bnõbi`' K`e`bn`' Ka`}ixl l ]u`bn`ba Ibf`kd`bl K`uuibn`' Sig`be|gau' C|bf`ga|ta l K`da}l N`x` Efõo~l l N|ihà B`kz|g` K`glk` l Tid`øl
Klkdtau m` @KAMLT
@ lmicie`îåa m` @KAMLT ibieia| eak |k nt|za ibiei`g ml 0: klkdtau' f`slbma+ul
`mki}imau k`iu 4 klkdtau p|l mlulbsagslt`k }t`d`gfau ba ib}ltiat m` ztõzti` @KA+
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 06
MLT m|t`b}l au ztiklitau `bau ml `tt`bp|l' ib}tam|xi|+ul zau}ltiatklb}l `u tlnt`u z`t`
`u `mkiuuülu tln|g`tlu mau klkdtau"
@}é `a cib`g ml 4::=' ` @KAMLT }ibf` 35 }t`d`gf`matlu eak ` uln|ib}l miu}tid|iîåa8
Bøkltau ml }t`d`gf`matlu m` @KAMLT
Gae`g B¸ ml
}t`d`gf`matlu Ulml 0> Ibf`kd`bl 9
]l}l 6 X`kdéxi` 5 B`kz|g` = Bi`uu` ― E|`kd` 6
Bi`uu` ― Giefibn` 5 E`da ― Mlgn`ma 00 ]a}`g 35
Au klkdtau zamlk ult zluua`u p|l' zat u|`u ibuzit`îülu' zlg`u u|`u lvzltièbei`u zta+
ciuuiab`iu' `e`mékie`u a| sisèbei`u' ztacluulk ml imli`u eakz`}ësliu eak au adhle}isau
m` @KAMLT? eaka }`kdék zamlk ult klkdtau lcle}isau m` @KAMLT `u ibu}i}|iîülu
p|l ml}lbf`k ib}ltluulu ml s|g}a ba mlulbsagsiklb}a t|t`g"
4" 5" 0" Kiuuåa l Adhle}isau m` @KAMLT
@KAMLT é |k` @uuaei`îåa Kaî`kdie`b` z`t` a Mlulbsagsiklb}a T|t`g' cai c|bm`m`
lk Ul}lkdta ml 0995' é |k` zluua` eagle}is` p|l båa }lk zat cik a g|eta leabõkiea
mau `uuaei`mau' ma}`m` ml zltuab`gim`ml h|tëmie`' eak `|}abaki` `mkibiu}t`}is`' cib`b+
elit` l z`}tikabi`g' tlnlbma+ul zlgau ztlulb}lu lu}`}|}au' zlga tluzle}isa tln|g`klb}a
ib}ltba l mlk`iu glniug`îåa `zgieàslg" ]lbma eaka kiuuåa c|bm`klb}`g ` ml caklb}`t amlulbsagsiklb}a ma z`ëu `}t`séu ml cib`bei`klb}au ` ztahle}au ml `e}isim`mlu ba klia
t|t`g"
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 09
@ @KAMLT mlcibi| eaka ztibeiz`iu adhle}isau au uln|ib}lu8
․ Eab}tid|it ba lucatîa ngad`g lk p|l a z`ëu lu}à lkzlbf`ma p|l siu` ` batk`gix`îåa l
klgfati` m`u eabmiîülu ml sim` l ma `|klb}a mau bësliu ml ztam|îåa l `|}a+u|cieièbei` `giklb}`t m` zaz|g`îåa t|t`g?
․ Imlb}icie`t' ztakaslt l cib`bei`t ztahle}au ml ibiei`}is` l lvle|îåa gae`g?
․ Ztlu}`t `uuiu}èbei` cib`belit` `au ztant`k`u ml `ztasiuiab`klb}a ml c`e}atlu ml zta+
m|îåa l ml ztam|}au ml ibelb}isa `a ibetlklb}a m` eakltei`gix`îåa `ntëeag`' dlk
eaka `au ztant`k`u p|l }lbf`k |k` zltuzle}is` uaei`g' leabõkiea l leagõniea
eak ikz`e}a ` gabna zt`xa?
․ E`z}`t cib`bei`klb}a mlb}ta l cat` ma z`ëu z`t` ` lvle|îåa ml ztahle}au gae`iu"
@KAMLT' |k` ABN b`eiab`g' eak lvzltièbei` b` nlu}åa ml c|bmau ztõztiau l ml c|b+
mau ml ma`matlu z`t` etémi}a ê eakltei`gix`îåa `ntëeag`' }lbma `u u|`u azlt`îülu eab+
elb}t`m`u b`u tlniülu ml `g}a za}lbei`iu `ntëeag`u b` xab` Bat}l ma z`ëu"
Ba e`ua m` eakltei`gix`îåa `ntëeag` a cib`bei`klb}a zaml }`kdék dlblciei`t `u nt`b+
mlu lkztlu`u ml eakltei`gix`îåa &ntauuiu}`u)' eak a adhle}isa ml eakzgl}`t a eiega ml
eakltei`gix`îåa n`t`b}ibma mlu}` catk` a luea`klb}a l slbm` mau ztam|}au mau
zlp|lbau l kémiau k|}|àtiau ml etémi}au"
Au etémi}au uåa uadtl}|ma ml e|t}a zt`xa &eakltei`gix`îåa `ntëeag` lk luzlei`g) l ibslu+
}iklb}au b` eti`îåa ml zlp|lb`u ibmøu}ti`u gae`iu" @ ztà}ie` mix p|l au zt`xau ml ibslu+
}iklb}a båa }èk |g}t`z`uu`ma au }tèu `bau"
@ }`v` ml h|tau m` @KAMLT s`ti` lb}tl 46, ` 3:, `a `ba' e`ge|g`m`u b|k ztaeluua ml
h|tau eakzau}au' eak zltiamieim`ml klbu`g" A bëslg ml h|tau zt`}ie`ma é tlsiu}a `b|`g+
klb}l' tlcgle}ibma au bësliu zt`}ie`mau ba klte`ma zlg` d`be` eakltei`g"
Lviu}l dabicie`îåa' ` z`t}it ma uln|bma etémi}a' z`t` au dabu egilb}lu" @ }`v` ml h|ta é
ml}ltkib`m` lk c|bîåa ma }iza ml cib`bei`klb}a' egilb}l l n`t`b}i`u acltleim`u"
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 4:
4" 5" 4" ]izau ml `e}isim`mlu ml etémi}au mlulbsagsim`u b` @KAMLT
@ `e}isim`ml ml etémi}a m` @KAMLT m|t`b}l a `ba ml 4::5 l 4::= zat ztasëbei` l zat `e}isi+
m`ml
@ }`dlg` p|l ul uln|l `ztlulb}` ml |k` catk` tlu|kim` au }izau ml `e}isim`mlu tl`gix`+
m`u' a bøklta l a s`gat ml etémi}au eabelmimau' s`gat kémia ma etémi}a eabelmima' c|b+
mau mlulkdagu`mau' tllkdaguau l }`v`u ml h|ta m|t`b}l a `ba ml 4::5 l 4::=' zat e`m`
ztasëbei` abml `e}|` @KAMLT"
@e}isim`mlu mlulbsagsim`u l etémi}a eabelmima &lk kigfülu ml kl}ie`iu)
E`daMlgn`ma E|`kd` B`kz|g` X`kdéxi` ]l}l Ibf`kd`bl Efõo~l ]a}`g tl`g4::= ]a}`g tl`g4::5 Tl`g:=!:5&,)
B"¸ ml Etémi}auEabelmimau
0<0 >< 0:= 5< <= 60 =: <=: <00 0:3,
S`gat mau Etémi}auEabelmimau
9"35>'< 4"64='> >"><< 4"5=: 5"6<: 5"63> 93< 50"459'4 59"3=<'9 >9,
Eakltei`gix`îåa&kémiau) 5"3=: <<< 0"50< =<: 0<: : : 3"00: 9"5=: 3<,
Eakltei`gix`îåa&zlp") 4"5>>'< 6=4'> 5"30: 0"04: 0<: : : 6"0::'4 3"46< 049,
C|bma mlK`blia 4">=: 0"54< 00: =4: 4"5<5 5">3> >:: 00"=0< 0:"43:'< 000,
]t`buzat}l =5: : 4:: 5<: >4< : : 0">:< 9>< 0><,
Zlp|lb`Ibmøu}ti` : 5> 4"<4: : 55> : : 4"69= 6"44< 5<,
Eakltei`gix`îåaml Zlue`ma =<: : : : : : : =<: >:: 3=,
Tlults`A|}tau ztant`k`u : 3< : : 05< 0:: 43< <3< 5"63:'= 0<,
S`gat Kémia maEtémi}a Eabelmima
35'6 5>'> >='3 33'9 >0'5 =>'> 4= <>'9 >>'3 ><,
C|bmauMlulkdagu`mau
9"43>'< 4">59'> >":<5 4"55: 5"==< 5"959 0":6< 49"6<9'0 53"3:> 64,
Tllkdaguau 0:"099'= ="046'9 6"<>9'6 4"435'0 5"69:'3 5"=96'> 60='4 55"5>='6 4="94<'4 05=,
H|tau ml etémi}au 4"==>'= 0"043'5 0"<06 330'4 0"4<0'6 96='0 0><'6 6"03='< 3"34<'6 045,
Cab}l8 Tlg`}õtia ml `e}isim`ml m` @KAMLT lk 4::=
Ib}ltztl}`îåa m` }`dlg`8
Eaka ` }`dlg` mlkabu}t` p|l au etémi}au eabelmimau lk 4::= cat`k ibcltiatlu lk tlg`+
îåa a `ba ml 4::5 lk 40,' lk }ltkau ml s`gat' k`u tlztlulb}a| |k `etéueika ml 3,
lk }ltkau ml bøklta"
Lk }ltkau ml etémi}au eabelmimau
M|t`b}l a `ba ml 4::=' cat`k tleldimau 6:9 zlmimau ml etémi}a' klbau 00 ma p|l au
tleldimau lk 4::5" Ma }a}`g ml zlmimau tleldimau' mau p|`iu ==, cat`k `ztlulb}`mau
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 40
zat `b}inau k|}|àtiau' cat`k `ztas`mau <=: etémi}au ba s`gat }a}`g ml 50"459'4 kigfülu
ml kl}ie`iu' a eattluzabmlb}l ` 3>, m` ztae|t` k`biclu}`m`' ëbmiel u|zltiat `a tl`gi+
x`ma lk 4::5' lk < zab}au zltelb}|`iu" @u ztibeiz`iu t`xalu m` tlztas`îåa mau 439
zlmimau cat`k ` c`g}` ml lvzltièbei` mau ztazablb}lu lk }ltkau ml blnõeiau' ` c`g}` mln`t`b}i`u l ` ibsi`digim`ml mau blnõeiau z`t` p|l au p|l ul ztl}lbmi` au lkztéu}ikau"
Lk 4::=' ` tlniåa p|l }lsl ` k`iat z`t}l mau etémi}au' p|lt lk }ltkau ml s`gat' p|lt lk
}ltkau ml bøklta cai ` tlztlulb}`îåa ml E`da Mlgn`ma' zaiu' }lsl |k `|klb}a ml >6,
l =>, ba bøklta l ba s`gat ml etémi}au eabelmimau tluzle}is`klb}l" Lu}` zauiîåa
mlsl|+ul ` |k` klgfati` m` u|` e`t}lit`' p|l tlu|g}a| b|k` k`iat ta}`îåa mau c|bmau
miuzabësliu" Mlsl|+ul }`kdék `a `zltcliîa`klb}a mau ké}amau ml `b`giul l ztaelu+
u`klb}a mau zlmimau' k`u luulbei`gklb}l `a }t`d`gfa tl`gix`ma zlgau `uuiu}lb}lu mletémi}a' eab}t`}`mau lk tlnikl z`tei`g l zauieiab`mau bau micltlb}lu miu}ti}au"
B`kz|g`' p|l lk 4::5 lu}lsl b` ztiklit` zauiîåa' ciea| lk uln|bma g|n`t lk 4::<" @
ztasëbei` ml Ibf`kd`bl zauieiaba|+ul lk }ltelita g|n`t nt`î`u ` |k` klgfat `zgie`îåa
mau c|bmau miuzabidigix`mau zlg` Lkd`iv`m` m` Itg`bm` lk 4::5' `g`tn`bma+ul ` d`ul ml
egilb}lu dlk eaka `u `e}isim`mlu cib`belit`u"
Lk }ltkau ml ̀ e}isim`ml
@ miu}tid|iîåa lk tlg`îåa `u `e}isim`mlu k`b}lsl+ul lk tlg`îåa a `ba ml 4::5' iu}a é' `
eakltei`gix`îåa `ntëeag` eab}ib|a| ` `duatslt ` k`iat zltelb}`nlk mau c|bmau' uln|i+
m` ma c|bma ml k`blia z`t` a eakéteia nlt`g' eak ` zlp|lb` ibm|u}ti` lk }ltelita
g|n`t l a }t`buzat}l lk p|`t}a g|n`t"
Lk }ltkau ma nt|za `gsa
A s`gat kémia mau etémi}au eabelmimau cai ml <>'9, kigfülu ml kl}ie`iu' ibcltiat `a ml
4::5 p|l cai ml >>'3 kigfülu ml kl}ie`iu" Au egilb}lu ml ulva clkibiba `duatslt`k 0=,
ma }a}`g mau etémi}au eabelmimau lk }ltkau ml b|klta l 00< lk }ltkau ml s`gat' }lbma
a tlu}`b}l uima `duatsima z`t` au egilb}lu ma ulva k`ue|giba" A etémi}a `au egilb}lu ma
ulva clkibiba tlztlulb}a| |k `etéueika ml 4"3 zab}au zltelb}|`iu lk }ltkau ml
bøklta l 4'4 zab}au zltelb}|`iu lk }ltkau ml s`gat' lk tlg`îåa `au etémi}au eabelmi+
mau lk 4::5"
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 44
Lk }ltkau ml s`gat l bøklta
Lk }ltkau ml bøklta' ` k`iat z`t}l mau etémi}au eabelmimau' <4, cai ml s`gatlu ibmisi+
m|`iu ui}|`mau lb}tl au 4: l >< kigfülu' k`u lu}lu `duatslt`k `zlb`u 4>, ma s`gat }a}`g
ml etémi}au eabelmimau" Hà lk }ltkau ml s`gat ` k`iat zatîåa ml cib`bei`klb}au eab+elmimau' cai z`t` etémi}au `eik` ml 5:: kigfülu ml kl}ie`iu' p|l lk }ltkau ml bøklta
eattluzabmlt`k `zlb`u ` <,"
Lk }ltkau ml mlulkdaguau l tllkdaguau
@ibm` p|l au mlulkdaguau lk 4::= &49"6<9'0 kigfülu ml kl}ie`iu) }lbf` uima d`u}`b}l
ibcltiat `a ml 4::5 &53"3:>'= kigfülu ml kl}ie`iu)' au tllkdaguau &e`zi}`g l h|tau) ad}imau
lk 4::= &55"5>='6 kigfülu ml kl}ie`iu) cat`k d`u}`b}l u|zltiat `au ml 4::5 &4="94<'4kigfülu ml kl}ie`iu) klteè ml lb}t`m` lk eadt`bî` ma nt`bml sag|kl ml etémi}au
mlulkdagu`mau ba `ba `b}ltiat lk eaka ma klgfat`klb}a m` kabi}ati` mau etémi}au
eabelmimau" ]`g eaka ba e`ua mau etémi}au eabelmimau' ` tlztlulb}`îåa ml E`da Mlg+
n`ma cai ` p|l tl`gixa| |k k`iat sag|kl ml tllkdaguau' uln|ibma+ul ` ml B`kz|g`" É
ml tlcltit p|l ml }ama a kama au tllkdaguau lk 4::= cat`k `cle}`mau zat |k d`iva
bëslg ml tllkdagua mau etémi}au ê eakltei`gix`îåa' e`|u`ma zlg`u micie|gm`mlu ml eaga+
e`îåa mau ztam|}au eakltei`gix`mau ba klte`ma"
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 45
4"5" ]tèu c`e}atlu p|l ibcg|lbei`t`k `u `e}isim`mlu m` atn`bix`îåa lb}tl au `bau
4::5 l 4::=
@) C`e}atlu p|l ibcg|lbei`t`k zaui}is`klb}l b`u ̀ e}isim`mlu m` atn`bix`îåa8
․ Klte`mau c`satàsliu z`t` `u e|g}|t`u ml nltnlgik' clihåa daltl l `klbmaik?
․ \k` k`iat miuzabidigim`ml ml c|bmau z`t` etémi}au ztaslbilb}lu mau ztant`k`u
eak a Kibiu}étia ml Ibmøu}ti` l Eakéteia &KIE)' Eakiuuåa L|tazli`' Tlzødgie` m`
Itg`bm`' FISAU' Avc`k+Dégnie` l K`gabm`?
․ A mlulbtag`t ma ztahle}a ml mlulbsagsiklb}a ibu}i}|eiab`g m` @KAMLT p|l lvini|
ml }amau |k k`iat lucatîa ml }t`d`gfa luzlei`gklb}l bau kaklb}au ml uadtlzaui+
îåa ml e`glbmàtia eak `u `e}isim`ml ml cib`bei`klb}a?
․ Etlueiklb}a m`u azlt`îülu m` @KAMLT b` ztasëbei` ml B`kz|g`"
D) C`e}atlu p|l ibcg|lbei`t`k bln`}is`klb}l b`u ̀ e}isim`mlu m` atn`bix`îåa8
․ @ d`iv` ztam|îåa `ntëeag` lk 4::5 tlg`}is`klb}l êu lu}ik`}is`u ibiei`iu l `a `ba
`b}ltiat &4::4) mlsima luulbei`gklb}l ê ittln|g`tim`ml m`u ef|s`u" Lk 4::= fa|sl
`|klb}a ml ztam|îåa `ntëeag` ml p|`ul }amau au ztam|}au lk tlg`îåa ê e`kz`bf`
`b}ltiat' k`u }lsl+ul ` micie|gm`ml ml eagae`îåa ma kigfa' clihülu l `klbmaik zat
u`}|t`îåa ma klte`ma ib}ltba l tlniab`g &K`g`~i00' ztibeiz`g mlu}iba m`u lvzat}`+
îülu)?
․ @ }ak`m` ml zauiîülu |big`}lt`iu m` z`t}l ml `gn|bu ma`matlu p|l micie|g}`t`k a
ztauuln|iklb}a batk`g mau ztant`k`u' b` ulp|èbei` ml `gn|k`u `gln`îülu eab}i+
m`u b`u `s`gi`îülu ibmlzlbmlb}lu tl`gix`m`u m|t`b}l a `ba ml 4::5?
․ A `|klb}a m` eabeattèbei` eak a `g`tn`klb}a m`u `e}isim`mlu ma N@ZI l ma Basa
D`bea luzlei`gklb}l b`u ztasëbei`u ml B`kz|g` l Bi`uu`?
․ A `|klb}a m` }`v` ml ibcg`îåa ml 9"0, lk 4::4 z`t` 05"6, lk 4::5 eab}t` |k`
ibcg`îåa zg`bicie`m` ml 6"5 l zau}ltiatklb}l eattinim` z`t` 0:"6,' mlsima luulbei`g+
klb}l `a cat}`gleiklb}a ma T`bm04' `a `|klb}a mau ztlîau ma zl}tõgla ba klte`ma
ib}ltb`eiab`g l ê tlm|îåa m` ztam|îåa ib}ltb`"
․ @ mlkat` ba ztaeluu`klb}a m` ibcatk`îåa uadtl etémi}a l eab}`digim`ml zatp|l
`}é cib`iu ml 4::= `ibm` båa }ibf`k |k z`ea}l ibcatkà}iea `mlp|`ma' a p|l etia|
lbatklu }t`bu}atbau lk }ltkau ml ztam|îåa ml ibcatk`îåa z`t` nlu}åa dlk eaka
00 Z`ëu sixibfa p|l c`x ctab}lit` eak ` ztasëbei` ml Bi`uu`04 Kalm` aciei`g m` Àctie` ma U|g
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 4=
z`t` a ztaeluua ml ztlu}`îåa ml eab}`u p|lt z`t` lb}im`mlu ib}ltb`u eaka z`t`
lb}im`mlu lv}ltb`u?
․ @ mlkat` b` cib`gix`îåa m`u eab}`u l tluzle}is`u `|mi}ati`u' a p|l mi}a| ` båa tl`gi+
x`îåa m` uluuåa m` @uulkdgli` Nlt`g ml uõeiau' a p|l zat u|` slx nlta| |k `}t`uab`u `e}isim`mlu mlg` mlzlbmlb}lu' eaka cai a e`ua m` e`z`ei}`îåa ibu}i}|eiab`g?
․ Lk 4::= fa|sl |k` klbat lb}t`m` ml c|bmau lv}ltbau eakz`t`}is`klb}l ` 4::5"
4" =" Ui}|`îåa m` e`t}lit` m` @KAMLT LK 4::5 L 4::=
A s`gat m` e`t}lit` ml etémi}a `e}is` &e`zi}`g lk misim`) ba cik ml 4::5 `uelbml `
5<"0>6'4 kigfülu ml kl}ie`iu eattluzabmlb}lu ` 339 etémi}au' a s`gat m` e`t}lit` é u|zl+
tiat ê cib`g ml 4::4 lk 4<," Lk 50 ml Mlxlkdta ml 4::=' a s`gat m` e`t}lit` eicta|+ul lk50"9>0'6 kigfülu ml kl}ie`iu a p|l ciea| ` mlslt+ul luulbei`gklb}l ` |k klbat sag|kl
ml mlulkdaguau m|t`b}l a `ba ml 4::="
Lb}tl 099= ` 4::4 cat`k `d`}imau 546 etémi}au eabuimlt`mau ibeadtàsliu ba s`gat ml
05"::6'< kigfülu ml kl}ie`iu' ztaeluua luul p|l båa ul tl`gixa| lk `bau `b}ltiatlu
mlsima `au ztadglk`u eak a uiu}lk` ibcatkà}iea" Au `d`}lu eattluzabmlk ` =9, m`
e`t}lit` lk }ltkau ml bøklta l ` 5>, lk }ltkau ml s`gat"
Ba cib`g ml 4::= cat`k `d`}imau 0<4 etémi}au eabuimlt`mau ibeadtàsliu eak a s`gat }a}`g
lk mësim` &e`zi}`g) ml <"=94'= kigfülu" Lk }ltkau `duag|}au lu}l s`gat é ibcltiat `a mau
`d`}lu tl`gix`mau lk 4::5 lk <6,' k`u lk }ltkau eakz`t`}isau é d`u}`b}l u|zltiat ul
`}lbmltkau ` p|l au `d`}lu ml 4::5 eattluzabmi`k ` |k zltëama ml < `bau m|t`b}l a
p|`g båa ul cixlt` blbf|k `d`}l zat t`xülu gin`m`u `a uiu}lk` ml ibcatk`îåa"
Lk 4::5 `u k`iatlu zltelb}`nlbu ml `d`}l slticie`t`k+ul b`u ztasëbei`u ml X`kdéxi` l
N`x`' lbp|`b}a p|l lk 4::= `u k`iatlu zltelb}`nlbu ml `d`}l slticie`t`k+ul b`u zta+
sëbei`u ml ]l}l' Ibf`kd`bl l E`da Mlgn`ma"
]`b}a lk 4::5 eaka lk 4::=' ` e`t}lit` lk tiuea &etémi}au eak `}t`ua u|zltiat ` 9:
mi`u) båa zýml ult `b`giu`m` ml catk` ngad`g zlga c`e}a ml ` xab` bat}l' lbngad`bma `u
ztasëbei`u ml E`da Mlgn`ma' Bi`uu`' B`kz|g` l X`kdéxi` l ` u|g' lbngad`bma `u ztasëb+
ei`u ml ]l}l' Ibf`kd`bl l N`x` }ltlk ztaelmiklb}au ml eàge|ga micltlb}lu" Lbp|`b}a
p|l ` xab` u|g |u`s` a z`ea}l GUC p|l e`ge|g` a `}t`ua lk c|bîåa ma s`gat m` misim`
slbeim` båa z`n`' ` xab` bat}l |u`s` |k` cagf` ml eàge|ga p|l ml}ltkib` a `}t`ua ma
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 4<
etémi}a lk c|bîåa m` øg}ik` m`}` ml z`n`klb}a' ibmlzlbmlb}lklb}l ma s`gat lk mësi+
m`"
@ e`t}lit` lk tiuea &etémi}au eak `}t`ua u|zltiat ` 9: mi`u) båa cai zauuëslg ult `b`giu`m`
zatp|l ` xab` bat}l' lbngad`bma `u ztasëbei`u ml E`da Mlgn`ma' Bi`uu`' B`kz|g` lX`kdéxi` l ` xab` u|g' lbngad`bma `u ztasëbei`u ml ]l}l' Ibf`kd`bl l N`x` |u`s`k
z`ea}lu ibcatkà}ieau micltlb}lu l }ibf`k ztaelmiklb}au ml eàge|ga }`kdék micltlb}lu"
Lbp|`b}a p|l b` xab` u|g |u`s` a z`ea}l GCU p|l e`ge|g` a `}t`ua lk c|bîåa ma s`gat
lk misim` slbeim` båa z`n`' ` xab` bat}l |u` |u`s` |k` cagf` ml eàge|ga p|l ml}ltkib`
a `}t`ua ma etémi}a lk c|bîåa m` øg}ik` m`}` ml z`n`klb}a' ibmlzlbmlb}lklb}l ma
s`gat lk mësim`"
Ba cib`g ml 4::5' ` e`t}lit` lk tiuea b` xab` bat}l ui}|`s`+ul lk 05'3, lk }ltkau mlbøklta ml etémi}au l ml 6'6, lk }ltkau ml s`gat' s`gatlu p|l ul `ztavik`k mau 0:,
`eli}àsliu z`t` ` ibmøu}ti` cib`belit`" @u tlztlulb}`îülu ml Zlkd` l E|`kd` uåa `u p|l
tlslg`k au k`iatlu ëbmielu ml tiuea' ` ztasëbei` m` X`kdéxi` `zlu`t ml `ztlulb}`t ëbmi+
elu mlb}ta mau `eli}àsliu 0:,' }lsl }`kdék |k nt`bml ëbmiel ml `d`}lu ml etémi}au
ibeadtàsliu" B` xab` u|g' ` e`t}lit` lk tiuea ui}|`s`+ul lk =0, lk }ltkau ml bøklta ml
etémi}au l lk 54, lk }ltkau ml s`gat' s`gatlu lu}lu d`u}`b}l `eik` mau bësliu `eli}à+
sliu"
Ba cib`g ml 4::=' ` e`t}lit` lk tiuea b` xab` bat}l ui}|`s`+ul lk 44'=, lk }ltkau ml
bøklta ml etémi}au l 05'<, lk }ltkau ml s`gat' s`gatlu u|zltiatlu `au eabuln|imau lk
4::5" Au `|klb}au slticie`t`k+ul b`u tlztlulb}`îülu ml E|`kd`' B`kz|g` l X`kdéxi`
lbp|`b}a p|l mluel| ginlit`klb}l b` tlztlulb}`îåa ml E`da Mlgn`ma" B` xab` u|g' `
e`t}lit` lk tiuea ui}|`s`+ul 5>'=, lk }ltkau ml bøklta ml etémi}au l lk 50'5, lk
}ltkau ml s`gat' ëbmielu u|zltiatlu `au slticie`mau lk 4::5 l d`u}`b}l `eik` mau `eli}à+
sliu 0:,' `zlu`t ml ` zltelb}`nlk ml `d`}lu }lt uima nt`bml"
@u }`dlg`u p|l ul uln|lk tlu|klk ` ui}|`îåa m` e`t}lit` lk tiuea ulz`t`m`klb}l z`t`
e`m` |k` m`u xab`u bau cib`iu ml 4::5 l 4::=8
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 43
Ui}|`îåa m` e`t}lit` lk tiuea m` @KAMLT ba cik ml 4::5
@e}isim`ml E`da Mlgn`ma E|`kd` B`kz|g` X`kdéxi` ]l}l Ib`kd`bl Efõo~l]" Tl`g
:5
E`t}lit` ml etémi}a50"04":5 &e`zi}`g)
6"5>4'5 =":=0'0 9"=5='5 0"635 <"5=>'< <"6<< 43<': 5<"0>6'4
S`gat ml etémi}a `d`}ima 5"66:'5 4"4=3'= 3'3 4"4=3': 0"634'= 0"05:': 0"503'6 05"::6'5
, mau `d`}lu uadtl a }a}`g 49'6, 09'>, :'0, 0>'5, 0='5, 6'>, 0:'0, 0::, , mau `d`}lu uadtl `e`t}lit` `e}is` &lk B¸)
<3, <3, :"9, 00>'9, 09">, <4'5, 06='4, =9,
, mau `d`}lu uadtl `e`t}lit` `e}is` &lk s`gat)
=3'5, 35'<, :'0, 04:'3, 5='6, 09'5, =9>, 5>,
E`t}lit` lk tiuea &`}t`ua2 9:mi`u) Xab` Bat}l ― B¸
40'3, 04, 9'3, 9, Q Q Q 05'3,
E`t}lit` lk tiuea &`}t`ua2 9:mi`u) Xab` U|g ― B¸
Q Q Q Q =0, =3'9, :, =0,
+E`t}lit` lk tiuea Xab` Bat}l― , S`gat
04'0, 00, <, >'9, Q Q Q 6'6,
E`t}lit` lk tiuea Xab` U|g ― ,S`gat
Q Q Q Q =3'<, 4:'5, :, 54,
Cab}l8 Tlg`}õtia ml `e}isim`ml m` @KAMLT ml 4::5"
Ui}|`îåa m` e`t}lit` lk tiuea m` @KAMLT ba cik ml 4::=
@e}isim`ml E`da Mlgn`ma E|`kd` B`kz|g` X`kdéxi` ]l}l Ibf`kd`bl Efõo~l ]"Tl`g :=
E`t}lit` ml etémi}a 50"04":=&e`zi}`g)
6"9>0'> 5"<03'9 9"049'9 4"596'5 5"443'= 5"9<<'= >>5'= 50"9>0'6
S`gat ml etémi}a `d`}ima 903 430 49< 400 4">46'< 0":6:'3 : <"=94'=
, mau `d`}lu uadtl a }a}`g 03'>, ='6, <'=, 5'6, =9'>, 09'>, :, 0::,
, mau `d`}lu uadtl ` e`t}lit``e}is` &lk B¸)
4'>, 0'9, 0'<, 0'9, >'9, 3'>, :4, 45,
, mau `d`}lu uadtl ` e`t}lit``e}is` &lk s`gat)
4'9, :'6, :'94, :'>, 6'<, 5'=, :, 0>,
E`t}lit` lk tiuea &`}t`ua2 9:mi`u) Xab` Bat}l ― B¸
4=, 06'<, 4='4, 40'>, Q Q Q 44'=,
E`t}lit` lk tiuea &`}t`ua2 9:mi`u) Xab` U|g ― B¸
Q Q Q Q =='4, =4'=, 0>'4, 5>'=,
E`t}lit` lk tiuea Xab` Bat}l ―S`gat
00'=, 05'0, 0='<, 0>'9, Q Q Q 05'<,
E`t}lit` lk tiuea Xab` U|g ―S`gat
Q Q Q Q 44'4, =4'9, 9'>, 50'5,
Nt`| ml tllkdagua 34, <9, <3, =9, 53, =4, >:, <4,
Cab}l8 Tlg`}õtia ml `e}isim`ml m` @KAMLT ml 4::=
E`|u`u m` d`iv` }`v` ml tllkdagua
@gék mau c`e}atlu p|l ibcg|lbei`t`k bln`}is`klb}l b`u `e}isim`mlu m` @KAMLT' `}tàu
ei}`mau' h|b}`k+ul `u e`|u`u8
․ @}é `a cik ml 4::= båa f`si` uima `d`}ima au etémi}au ml c`e}a ibeadtàsliu mlsima `
micltlbî`u ml }t`}`klb}a ibcatkà}iea lb}tl ` xab` bat}l l u|g ma z`ëu' |k` slx p|l ba
xab`g u|g |u`s` a z`ea}l GCU p|l e`ge|g` a `}t`ua lk c|bîåa ma s`gat m` mësim` slbeim`
båa z`n` l ` xab` bat}l |u`s` |k` cagf` ml eàge|ga p|l ml}ltkib` a `}t`ua ma etémi}a
lk c|bîåa m` øg}ik` m`}` ml z`n`klb}a' ibmlzlbmlb}lklb}l ma s`gat lk mësim`?
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 4>
․ Au dlblcieiàtiau ma kietaetémi}a k|i}`u slxlu båa eabuln|lk c`xlt a z`n`klb}a m`u
u|`u ztlu}`îülu mlb}ta mau zt`xau lu}`dlgleimau zatp|l a mlulbsagsiklb}a m`u u|`u
`e}isim`mlu mlzlbml m`u zéuuik`u eabmiîülu m`u si`u ml `eluua' ztibeiz`gklb}l ba
}lkza m`u ef|s`u' `uuik eaka ` iblviu}èbei` a| mlu}t|iîåa m`u ibct`+lu}t|}|t`u cëuie`u&klte`ma l gah`) z`t` a e`ua ml E|`kd` zat lvlkzga?
․ Z`t` a e`ua ml Bi`uu` ` tlml d`beàti` é d`u}`b}l ct`e`' lviu}ibma lk E|`kd` uaklb}l
|k d`bea &DIK) l bau tlu}`b}lu miu}ti}au lk p|l ` @KAMLT azlt` båa zauu|lk
blbf|k d`bea" Lu}l ztadglk` micie|g}` }`kdék a z`n`klb}a m`u ztlu}`îülu zat z`t+
}l mau ul|u dlblcieiàtiau mlb}ta ma zt`xa"
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 46
5" EABEG\UÅA
A Kietaetémi}a eabetl}ix` |k` zauuidigim`ml ml eti`îåa ml tip|lx`' l k`iu s`gi`u b` lea+
baki` b`eiab`g' b` ztam|}isim`ml l ba lkztlna" @ eti`îåa ml |k ztahle}a ml Kietaeté+
mi}a mà tluzau}` ` |k` micie|gm`ml lu}t|}|t`g ml b`}|tlx` uaei`g' zagë}ie`' e|g}|t`g l `
`sltuåa `a tiuea" Ibclgixklb}l' `ibm` lviu}l lk Kaî`kdip|l' |k` baîåa ml p|l `u zlu+
ua`u p|l eaklî`k zlp|lbau blnõeiau båa uåa kltlelmat`u ml }`b}` `mkit`îåa eaka
`u p|l uln|lk e`ttlit`u eab}ib|`m`u' ba ule}at zødgiea a| ba ule}at ztis`ma" Lu}l ztl+
eabeli}a uõ ul eabuln|ità |g}t`z`uu`t eak |k `elb}|`ma lucatîa ml lm|e`îåa l eab}i+
b|im`ml `a gabna m`u nlt`îülu"
Kaî`kdip|l ztleiu` ml `zau}`t k`iu b` catk`îåa' ibcatk`îåa l e`z`eim`ml ml cib`b+
ei`klb}a8 uåa au }tèu `uzle}au d`ul z`t` eabuln|it `zai`t ml c`e}a `u zluua`u lkztllb+
mlmat`u' p|l ztae|t`k lkztéu}ikau l `g}ltb`}is`u cat` ma ule}at d`beàtia" Zat a|}ta
g`ma lviu}l |k lveluua ml d|taet`ei` b` eti`îåa l nlu}åa eattlb}l ml kietalkztlu`u"
A Kietaetémi}a' é ult lbe`t`ma eaka |k ibu}t|klb}a p|l siu` eti`t |k `kdilb}l p|l
zltki}` êu zluua`u tlg`eiab`tlk+ul eak |k z`telita eakltei`g l eak `u Ibu}i}|iîülu
cib`belit`u' ztasimlbei`bma båa uõ a cib`bei`klb}a' k`u }`kdék ` ibcatk`îåa l a
`zaia z`t` mlulbsagslt a ul| ztõztia blnõeia l eabu}t|it `gna p|l k`iu }`tml ulh` |k
eab}tid|}a z`t` leabaki` kaî`kdie`b`"
Lk Kaî`kdip|l' lviu}lk `ibm` `gn|bu lb}t`slu' d`ttlit`u l ztadglk`u ba ule}at ma
kietaetémi}a058
․ Za|e`u Ibu}i}|iîülu ml Kietacib`bî`u catk`gix`m`u?
․ @u Ibu}i}|iîülu ml Kietacib`bî`u ulk atilb}`îåa eakltei`g l eab}`digim`ml atn`bix`+
m` }èk klbau `uuiu}èbei` }éebie`' l uåa klbau eab}lkzg`m` p|l `u tlu}`b}lu?
․ @u Ibu}i}|iîülu ml Kietacib`bî`u lu}åa gabnl ml }ltlk ib}lit` u|u}lb}`digim`ml ibu}i+
}|eiab`g?
․ Méciel ml zagë}ie` ml ibslu}iklb}a lk catk`îåa ml tle|tuau f|k`bau' eak klmim`u
ml tleieg`nlk l e|tuau `s`bî`mau lk ml}ltkib`mau ulnklb}au?
․ Micie|gm`ml b` eti`îåa ml e`z`eim`ml gae`g lk Kietacib`bî`u z`t` e`z}`t a nt`bml
cg|va ml mibflita b`u xab`u t|t`iu l ule}atlu ibcatk`iu' dlk eaka `|klb}a ma t`ia
ml `eîåa ba eakd`}l ê zadtlx` l lveg|uåa uaei`g?
05 ~~~"kietacibkax"nas"kx ' ulkibàtia uadtl ztahle}au ml e`z`ei}`îåa ba ule}at ma kieta cib`bî`u"
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 49
․ C`g}` ml Zagi}ie`u ml u|u}lb}`digim`ml cib`belit` k`iu cat}lu p|l zauu`k ult eakdi+
b`m`u eak zagi}ie`u ml tlm|îåa ml lue`g` ml lkztéu}ika?
․ @ glniug`îåa kaî`kdie`b` båa }lk |k z`zlg k`iu `e}isa l zaui}isa uadtl a klte`+
ma' b` eti`îåa ml eabmiîülu gln`iu z`t` p|l au tiueau ulh`k klbatlu' l ` u|` lvz`b+uåa zlg`u àtl`u t|t`iu lu}lh` k`iu c`eigi}`m`?
․ B`u xab`u t|t`iu' lviu}l |k méciel k|i}a lgls`ma ml lu}t|}|t`u l ultsiîau cib`belitau'
a eabeli}a ml ultsiîau cib`belitau é k`iu `dt`bnlb}l l eakzglva ma p|l a eabeli}a
ml Kietacib`bî`u"
Lk Kaî`kdip|l' z`t}ie|g`tklb}l lk Bi`uu`' ` zadtlx` båa ul tlu|kl `zlb`u ê c`g}` ml
`eluua ê lueag` a| ê u`øml" B`u xab`u t|t`iu' lu}`u ibct`lu}t|}|t`iu lbeab}t`k+ul miu}`b+
}lu m`u xab`u tluimlbei`iu' k`u a ztibeiz`g eabu}t`bniklb}a p|l au f`di}`b}lu mlu}lu
gae`iu }èk lbctlb}`bma é ` c`g}` ml |k` cab}l ml tlbmiklb}au p|l gflu zltki}` }lt
tle|tuau cib`belitau u|cieilb}lu z`t` a cib`bei`klb}a m`u køg}izg`u bleluuim`mlu p|l
gflu `z`tlelk"
Au ultsiîau cib`belitau kaî`kdie`bau t|t`iu lbeab}t`k+ul b|k` c`ul ml mle`mèbei`
lu}t|}|t`g l gln`g' |k` slx p|l lviu}l |k `elb}|`ma `d`bmaba zat z`t}l m` d`be`
eakltei`g m`u xab`u t|t`iu' |k tlm|xima bøklta ml Ibu}i}|iîülu ml Kietacib`bî`u ulbma`ibm` klbat a bøklta ml ibu}i}|iîülu lbsagsim`u lk Cib`bî`u t|t`iu' |k kamlu}a
sag|kl ngad`g ml blnõeiau l ml egilb}lu' zauu|i |k` p|`gim`ml s`tiàslg' a ul| ikz`e}a é
giki}`ma l lviu}l |k` miuzltuåa bau lucatîau ibmisim|`gix`mau mau ma`matlu l zødgiea"
Lk uëb}lul au ztadglk`u m`u Ibu}i}|iîülu cib`belit`u t|t`iu zamlk ult `nt|z`mau b`u
uln|ib}lu e`}lnati`u8
․ Ztadglk`u cib`belitau &`mlp|`îåa ml tle|tuau `a ul| sag|kl l ztlîau)?
․ Ztadglk`u ml d`ul gln`g l }éebieau? ․ C`g}` ml tle|tuau f|k`bau eak `u eakzl}èbei`u luzleëcie`u blu}`u k`}éti`u?
․ Lviu}èbei` ml |k méciel b` e`z`eim`ml ml gimlt`bî` l nlu}åa mau tle|tuau ê
Zau}au ê miuzauiîåa
․ Iblviu}èbei` ml lu}|ma lu}`}ëu}iea ma klte`ma ` ibslu}it l egilb}lu `gsa?
․ Za|e` misltuim`ml ibu}i}|eiab`g"
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 5:
A ztlulb}l lu}|ma eabu}`}a| p|l fà zluua`u lk ui}|`îåa ml malbî` p|l båa }èk eab+
uln|ima eakzt`t au klmie`klb}au p|l gflu uåa tleaklbm`mau zlgau kémieau' az}`b+
ma êu slxlu zat eakzt`t bau klte`mau ibcatk`iu' a| kluka båa ul }t`}`bma"
Ml c`e}a' lu}l ultsiîa cib`belita }lk `h|m`ma |k elt}a }iza ml egilb}lu l au ul|u tlu|g}`+mau mlzlbmlk m`u ui}|`îülu ibmisim|`iu mau ul|u dlblcieiàtiau' |k etémi}a zaml eti`t
k`iu lkztlnau `au klkdtau ma kluka `ntln`ma" B`u xab`u t|t`iu ml Bi`uu`' au egilb+
}lu ml kietaetémi}a eak |k bëslg ml ibslu}iklb}a eabuimltàslg tlniu}`k klgfati`u `uui+
b`gàsliu' båa ul u|elmlbma a kluka eak au zlp|lbau egilb}lu p|l ul }atb`t`k
mlzlbmlb}lu eab}ëb|au' m`ma a c`e}a m`u u|`u `e}isim`mlu ultlk lveluuis`klb}l
zlp|lb`u' zlga p|l z`t` lu}lu øg}ikau a kietaetémi}a båa }lk uima ` uag|îåa p|l ul
luzlt`s` z`t` ` tlm|îåa mau ul|u bësliu ml zadtlx` l ml mlzlbmèbei`" Au ztibeiz`iueabu}t`bniklb}au p|l a kietaetémi}a `ztlulb}` z`t` a mlulbsagsiklb}a mlu}`u zluua`u
uåa a d`iva s`gat ma lkztéu}ika' e|t}a zt`xa ml tllkdagua l lgls`m`u }`v`u ml h|ta' c`e+
}atlu p|l }atb`k ikzauuëslg ` `zgie`îåa mlu}lu kab}`b}lu z`t` ` lvz`buåa m`u u|`u
`e}isim`mlu l m` ztam|îåa"
Z`t` `h|m`t au zadtlu båa ul mlsi` |u`t `zlb`u a kietaetémi}a' mlsl+ul lu}lbmlt au ult+
siîau êu za|z`bî`u l }`kdék `a uln|ta" Au dlblcieiàtiau ma kietaetémi}a `ztlulb}`k
|k` gin`îåa eak ` ibu}i}|iîåa `}é elt}a zab}a siei`m`' zlga eiega lkztéu}ika+
ibslu}iklb}a+z`n`klb}a' l båa eabuln|lk n|`tm`t blk z`t` ui blk z`t` au ul|u au
tlu|g}`mau ma ul| blnõeia" Lu}` ui}|`îåa eagae`+au zt`}ie`klb}l zadtlu' k`u eaka cab+
}l ml tlbm`' ` imli` ma kietaetémi}a mlsi` }lt eaka cik }atbà+gau `|}a+u|cieilb}lu"
Au tlu|g}`mau ma }t`d`gfa zltki}lk eabu}`}`t p|l ml c`e}a a kietaetémi}a eab}tid|i
mitle}` l ibmitle}`klb}l z`t` ` ztakaîåa ma dlk+lu}`t' zltki}ibma eti`t a| k`b}lt lk
kémi` m|`u s`n`u l kli` ml lkztlna zat e`m` dlblcieiàtia' a p|l `|klb}` a tlbmi+
klb}a l klgfat` a bëslg ml sim` mau dlblcieiàtiau' }atb`bma+ul b|k` eabuimltàslg eab+
}tid|iîåa z`t` au adhle}isau ml eakd`}l l tlm|îåa m` zadtlx` lk Kaî`kdip|l mlcibi+
mau ba ztant`k` ma Nasltba
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 50
Uag|îülu l `gn|k`u ztazau}`u ` ultlk }ak`m`u zlg`u Ibu}i}|iîülu ml Kietacib`b+î`u
"․ K`iu l klgfatlu ibu}i}|iîülu cib`belit`u l ml Kietaetémi}a?
․ Klgfat e`z`eim`ml ibu}i}|eiab`g zødgie` l ztis`m`?
․ K`iat sag|kl ngad`g ml blnõeiau l ml egilb}lu?
․ Klgfat p|`gim`ml l misltuim`ml mau ztam|}au l ultsiîau cib`belitau miuzabidigi+
x`mau p|lt zlg` d`be` eakltei`g p|lt zlg`u Kietacib`bî`u?
․ K`iat lcieièbei` l u|u}lb}`digim`ml m`u ibu}i}|iîülu ml Kietacib`bî`u' z`t` }`g
mlslk tl`gix`t |k lucatîa b`u àtl`u m` catk`îåa l ibcatk`îåa &kl}amagani`u l
}éebie`u t`eiab`iu)"
Z`t` |k z`iu eaka Kaî`kdip|l' au d`beau mlslti`k |}igix`t eti}étiau kl}amagani`u
cimlminb`u luzleëcie`u' eak ` `s`gi`îåa mau tiueau d`ul`m` lk8
․ Lu}|mau }éebieau mau cg|vau ml e`iv` ma blnõeia ma lkztllbmlmat?
․ @s`gi`îåa uaeialeabõkie` p|l ibeg|i |k` `s`gi`îåa ma eab}lv}a uaei`g l c`kigi`t
ma lkztllbmlmat?
․ \k` `bàgiul ` sab}`ml a| ztauzleîåa ` z`n`t?
․ Mlslti` lviu}it b` lu}t|}|t` m`u ibu}i}|iîülu ml etémi}a |k `nlb}l ml etémi}a p|l
c`î` ` ztakaîåa l `bàgiul ma tiuea l a|}ta p|l cauul tluzabuàslg zlg` tle|zlt`+
îåa ma etémi}a"
@u kietalkztlu`u lk Kaî`kdip|l' }èk lbctlb}`ma `gn|bu eabu}t`bniklb}au ml
atmlk cib`belit`' l k|i}`u slxlu båa lviu}lk kle`biukau ml `eluua `au klte`mau l
lviu}lk nt`bmlu micie|gm`mlu ml `p|iuiîåa ml eakzablb}lu }lebagõnie`u' ` kåa+ml+
adt` é za|ea p|`gicie`m`" Ba eab}lv}a kaî`kdie`ba }lt u|eluua lk Kietacib`bî`u é
`ge`bî`t k`iat bøklta ml egilb}lu l lviu}it |k` tlb}`digim`ml l zltk`bèbei` ba }lkza"
@u ibu}i}|iîülu ml kietaetémi}a lk Bi`uu` z`t` `gék ml ztisiglni`t `zlb`u a etémi}a ml
e|t}a zt`xa' mlu}ib`ma k`iati}`ti`klb}l z`t` a ule}at eakltei`g' mlslti`k }`kdék
ztisiglni`t a etémi}a ` gabna zt`xa' mlu}ib`ma `au e`kzablulu' |k` slx p|l ` `e}isim`ml
`ntëeag` é ` d`ul ml uadtlsisèbei` m` ztasëbei`" Bi`uu` é |k` ztasëbei` abml ` k`iati`
m` u|` zaz|g`îåa sisl b`u xab`u t|t`iu l }lk |k `g}a za}lbei`g `ntëeag` mlsima ê da`
p|`gim`ml mau uagau l êu ef|s`u tln|g`tlu"
5/9/2018 Microfinan as - Estudo de caso AMODER - slidepdf.com
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 54
Ml |k kama nlt`g au dlblcieiàtiau kau}t`k uib`iu ml }ltlk |g}t`z`uu`ma micie|gm`mlu
miàti`u mluml p|l ibiei`t`k ` u|` gin`îåa eak a kietaetémi}a" Lu}l ztam|}a `zlu`t ml ult
s`giaua' båa zaml ult `uu|kima eaka ulbma |k` uag|îåa z`t` au ztadglk`u m` zadtl+
x`' zlga p|l ztleiu`+ul uik é ml p|l b` u|` `zgie`îåa ` lu}` e`k`m` ulh`k `s`gi`mau au}izau ml ultsiîau p|l e`m` |k zauu` ztleiu`t' ml kama ` mitleeiabà+ga eattle}`klb}l l
z`t` p|l ` u|u}lb}`digim`ml m` ibu}i}|iîåa ulh` n`t`b}im` l z`t` p|l au zadtlu z`t}iei+
zlk l båa ul uib}`k lveg|ëmau ml p|`gp|lt ztaeluua p|l gflu zauu` `h|m`t ` `gisi`t ` u|`
ui}|`îåa ml zadtlx`' au zagë}ieau mlslk catk|g`t gliu p|l `dt`k luz`îa ê z`t}ieiz`îåa"
Zlt`b}l ` bleluuim`ml ml ul lbeab}t`t lu}t`}éni`u l ibu}t|klb}au lcieilb}lu l lcie`xlu ml
eakd`}l ê zadtlx` lk Kaî`kdip|l' m`ma a z`zlg tlg`}isa ma kietaetémi}a `}t`séu m`
eabeluuåa ml etémi}a êu zluua`u zadtlu l leabakie`klb}l `e}is`u' eab}tid|ibma z`t` `nlt`îåa ml `gn|k tlbmiklb}a z`t` ` u|` uadtlsisèbei`' lu}l lu}|ma båa acltlel |k`
tluzau}` `e`d`m` uadtl ` k`}éti`" Ztl}lbmlkau `uuik g`bî`t `zlb`u `gn|k`u g|xlu l
`dtit luz`îa z`t` a|}tau lu}|mau k`iu `ztac|bm`mau' p|l zltki}`k |k k`iat lbp|`+
mt`klb}a mlu}lu bau ztant`k`u ml eakd`}l ê zadtlx` lk e|tua ba z`ëu l eab}tid|it
z`t` ` tlm|îåa mau eabu}t`bniklb}au p|l ` `e}|`g tlg`îåa lb}tl `u ibu}i}|iîülu l au
dlblcieiàtiau `ztlulb}`"
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aioau8 Kieta+Cib`bî`u lk Kaî`kdip|l ! K`tîa 4::3 55
=" Tlcltèbei`u Didgiantàcie`u
Ea|}ibfa' @? Uigs`' E' Z &4::<) Kietaetémi}a lk Zat}|n`g" Kigglbbi|k dez"
E`l}`ba' @? Blslu' H? Clttlit`' E" K" H"&4::0) K`b|`g ml Zuieauuaeiagani` m`u Atn`bix`îülu"
@k`mat`' KeNt`~ + Figg"
M`|}a' D" \"&4:::) Eabu}i}|iîåa m` Tlzødgie` ml Kaî`kdip|l" K`z|}a"
K`}g`d`' L" F" X" &4::4) @bàgiul m` nlu}åa ml tle|tuau f|k`bau b`u Catî`u @tk`m`u ml
Kaî`kdip|l ― ba eab}lv}a m` atn`bix`îåa p|l `ztlbml" K`z|}a' 096 z" Miuult}`îåa
&Klu}t`ma) ― Ibu}i}|}a U|zltiat ml Eièbei`u ma ]t`d`gfa l m` Lkztlu`"
~~~"Ibl"nas"kx 4::3~~~"nlagibn|`"atn!z`iulu kaî`kdip|l"f}k
@ctie`" U`za"z}~~~"ezuct"atn"kx~~~"d`beakae"kx~~~"kietacibkax"nas"kax