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DÅS¡w CONTENTS
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HIv-täm_À 31, 2019
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HIv-täm_À 31, 2019
5
Calendar of Events
HIv-täm_À
Change makers
21
27
ASCENT tIm¬-t¢-hv 2019,
_nkn\-kv tI-cf þ _n-kn\kv aoäv, bm-jv CâÀ-\m-jW - Â
foundation.in, www.ascentconclave.in
tlm-«Â, tIm-gn-t¡mSv, t^m¬: 7511188200, 7511194200, 9188521031, Cþsa-bvÂ: businesskeralagroup@ gmail.com, sh_vs - skäv: https:// businesskerala.org/
30-31 t¥m-_Â B-bpÀth-Z k-an-äv 2019, tlm«Â se sa-dn-Unb³,
sIm¨n, tIm¬-s^-Ut- dj³ Hm-^v C-´y³ C³-Ukv{- Sn kw-LS- n-¸n¡p-¶p, t^m¬: 0484-4012300, 9895757237, Cþsa-bvÂ: saji. mathew@cii.in
Tiny's Talk 3 _n-kn-\k - n-\v I-cp-t¯-Imw, ]p-¯³ D-]m-b§ - f - n-eqsS H-Ivt- äm-_À 23, 2019 dm-hn-kv I-Shv, tIm-gn-t¡mSv, t^m¬: +91 799422 33 99, Cþsa-bvÂ: mail@xpressoevents.com
{Km³-Uv l-bm-¯v, kmâm-{Iqkv, apw-ss_, Cþsa-bvÂ: fyi@ascent
27-30 Cj C³-ssk-äv The DNA of Success þ _n-kn\-kv eo-UÀ-jn¸v C³-sS³-knhv, Cj tbm-K
skâÀ, tIm-b¼ - ¯ - qÀ, C-j eoUÀ-jn-¸v A-¡mU-an kw-LS- n-¸n¡p¶p, sam-_oÂ: +91 83000 84888 Cþsa-bv : leadership@ishainsight. org, sh_vs - skäv: https://www. ishaeducation.org/insight/
Unkw_À 5-7 sIm-¨n³ CâÀ-\m-jW -  t_m-«v tjm 2019, km-ap-{Zn-I
I¬-sh³-j³ skâÀ, hnÃnw-KvS¬ sFe³Uv, sIm¨n, t^m¬: +91- 8893304450, sa-bvÂ: joseph@ cruzexpos.com, www.cochininter ntionalboatshow.com
6-9 6th
{]nâv & ]m-¡v sS-Iv thÄ-Uv F-Ivkv-t]m 2019,
]me-kv {Ku|v, _mw-¥qÀ, ss{Sbq¬ F-Iv-kv-_n-tä-gv-kv ss{] h-äv en-anä-Uv kw-L-Sn-¸n-¡p¶p. t^m¬: +91-80-43307474, sam-_oÂ: +91 63645 70977, Cþsa-bvÂ: info@
\hw_À 1-3 sIm¨n, tI-c-f dn-\yq-h-_vÄ F-\ÀPn F³-{S-{]-tW-gv-kv B³-Uv s{]m -tam-t«-gv-kv A-tkm-kn-tb-j³ (KREEPA) kw-L-Sn-¸n-¡p-¶p. t^m¬: 0484 - 2839185, 8078702552, Cþsa-bvÂ: kreepa1@gmail.com, www.kreepa.org
P-\p-hc- n 2020 4-6 Hmt«m & sa-jn\-dn F-Ivkvt]m, 2020, ep-ep CâÀ-\m-jW -  I¬sh³-j³ skâÀ, Xr-iqÀ, tIc-f, ss{SUâv CâÀ-\m-jW -  A-hX - c - n-¸n¡p¶p. sam-_oÂ: 00-
2-4 CâÀ-\m-j-W Câo-cn-bÀ F-Iv-kväo-cn-bÀ BÀ-¡n-sSIv-NÀ FIvkvt]m (INTERX),
XriqÀ epep I¬sh³j³ skâÀ-, Câ-d-Ivkv C-hâv-kv ss{] h-äv en-anä-Uv kw-L-Sn-¸n-¡p¶p. t^m¬: +91 7356555571, CþsabvÂ: ihello@interx.in
2-4
91-9633631651, 00-91-9633236111,
Cþsa-bvÂ: tridentautoexpo@gmail. com, http://www.tridentautoexpo.com
[\w do-sä-bv B³-Uv {_m³-Uv k-an-äv & AhmÀ-Uv ss\-äv 2020
FIFEX 2019 CâÀ-\m-j-W ^À-Wn-¨À F-Iv-kn-_n-j³,
B-Uve - I - vk - v I¬-sh³j³ skâÀ, A-¦a - m-en. ^À-Wn-¨À am\p-^m-IvN - t- dgvk - v B³-Uv a-À¨ - âvkv A-tkm-kn-tbj³ (^p-a) H-cp-¡p¶p. t^m¬: 9495964357, sa-bvÂ: tomypuli@icloud.com
10-12 t{]m th-hv F-Ivkvt]m, B-Uv-se-Iv-kv CâÀ- \m-j-W I¬-sh³-j³ & F-Iv-kn_nj³ skâÀ, A-¦-amen, km-bv skm-eqj³ A-h-X-cn-¸n-¡p-¶p, sam-_oÂ: +91- 98840 24999, Cþsa-bvÂ: saisolutions1835@gmail.com, www.prowaveexpo.com
13 C´y ^n\m³kv t^mdw
(]¯mw FUnj³) knsF sFbpsS B`napJy¯nÂ. tlm«Â XmPv, sNss¶, t^m¬: +91þ 9910446244/+91-11-45771000, Cþsa-bvÂ: helpdesk@mycii.in
HIv-täm_À 31, 2019
IÀ½tbmKn! kz
X-{´ C-´y-bp-sS K-Xm-K-X-kw-hn-[m-\§-sf Io-gv-ta a-dn-¨ H-äbm³, B-[p\n-I C-´y-bn-se hn-kv-a-b _nÂ-UÀ... sa-t{Sm-am³ C. {io-[c-\v H«pw A-[n-Iaà Cu hn-ti-j-W§-Ä H-¶pw. kzX-{´ C-´y-bp-sS N-cn-{X-¯n 10 e-£w tIm-Sn cq-] aq-ey-ap-Å A-Sn-Øm-\ kuI-cy hnI-k-\ ]-²-Xn-IÄ A-gn-a-Xn-bp-sS I-f-¦-anÃmsX, J-P-\mhn-\v \-ã-anÃm-sX k-a-b-_-Ôn-X-am-bn \nÀ-an-¨p \ÂIn-b kn-hn F³-Pn-\ob-sd ]n-s¶ a-sä-´v t]-cn-«v hn-fn¡pw cm-Pyw. ]²-Xn \-S-¯n-¸n \n-c´-cw hogv-N h-cp-¯p-¶, H¶p-t]m-epw ka-b-_-Ôn-X-am-bn ]qÀ-¯n-bm-¡m-¯, A-gn-a-Xn-bpsS I-d ho-W kÀ-¡mÀ h-Ip-¸p-I-fp-sS C-cp-| {]-Xn-Ñmb-sb G-Xm-|v H-ä-bv-¡p X-s¶ XpS-¨p-amän-b {]-K-Û-\mWv Cu s]m-¶m-\n¡mc³. C-´y³ sd-bnÂ-th kÀ-ho-kn \n-¶v I-cn-bÀ B-cw-`n-¨ sa-t{Sm-am³ cmPy-s¯ A-Xn-\nÀ-Wm-b-I ]-²-Xn-Ifmb sIm-¦¬ sd-bvÂth, sImÂ-¡-¯ sa-t{Sm, UÂ-ln sa-t{Sm Xp-S-§n-b A-`n-am-\-]-²-Xn-I-fp-sS km-£m-ÂIm-c¯n-\mWv Np-¡m³ ]n-Sn-¨Xv. ]m-¼³ ]m-e-¯n-sâ \nÀ-am-Ww ap-X sIm-¨n sa-t{Sm-bp-sS km-£m-¡m-c-¯n-\v h-sc t\-XrXzw \ÂIn-b tI-c-f-¯n-sâ A-`n-am-\-¯n-s\ tX-Sn A-Sp-¯n-sS C-¡-tWm-an-Iv ssSw-kn-sâ sse-^v ssSw A-¨o-hvsaâv A-hmÀ-Upsa-¯n.
printandpacktechexpo.in, www.printandpacktechexpo.in
{Ko³ ]-hÀ F-Ivkv-t]m 2019, t_mÄ-Km-«n Châv skâÀ,
6
C.{io[c³
[\w ]-»n-t¡-j³kv kwLSn-¸n-¡p¶p P\p-hc - n 22, 2020 tlm-«Â se sa-dnUnb³, sIm¨n, t^m¬: +91 484 2316494 /2315840/ +91 90725 70051, CþsabvÂ: mail@dhanam.in, www.dhanamonline.com
s^{_phcn 27 [\w ku¯v C´y _m-¦nwKv, ^n-\m³kv B³-Uv C³-sh-Ìvsaâv k-anäv & A-hmÀUv ss\-äv 2020, tlm-«Â se sa-dnUn-b³, sIm¨n, [\w ]-»n-t¡-j³-kv kw-LS- n-¸n-¡p¶p. t^m¬: +91 484 2316494/2315840/ +91 9072570051
sa-bvÂ: mail@dhanam.in, www. dhanamonline.com
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kRv-Pohv ta¯
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´ybnse Gähpw henb I¬kyqaÀ KpUvkv I¼\nbmb lnµpØm³ bqWnenhdnsâ knFwUnbmbn kRvPohv ta¯ \nbanX\mbt¸mÄ AXv tImÀ¸tdäv temIs¯ ]eÀ¡pw henb AÛpXambncp¶p. c|v ImcW§fmbncp¶p CXn\v ]n¶nÂ. Ct±l¯nsâ ap³KmanIsf t]mse C´y³ bqWnän {]hÀ¯n¨v ap³]cnNbanÃm¯Xmbncp¶p H¶v. c|mat¯Xv, kRvPohv ta¯ Hcp ^n\m³kvam\mWv, ap³KmanIsf t]mse amÀ¡änwKv am\Ã. Bdp hÀj¯n\p tijw Ct¸mÄ Xncnªp t\m¡pt¼mÄ A`nam\mÀlamb t\«§fp|v kRvPohnsâ t]cnÂ. 2013 Øm\-taÂ-¡p-t¼mÄ Øn-Xn A-{X sa-¨-am-bn-cp-¶nÃ. sXm-«p- ap³- hÀj-§-fn-se 16þ17 i-X-am-\w h-fÀ-¨ F-¶ Øn-Xn am-dn hn-]Wn 6þ7 i-X-am-\-sa-¶ X-fÀ-¶ X-e-¯n-se-¯n \nÂ-¡p-¶p. C-Xn-\p ]pd-ta Xp-SÀ-¨bm-b c-|v tam-iw a¬-kqWpw t\m-«v ]n³-h-en-¡epw hn-]-Wn¡v Xn-cn-¨-Sn-bm-bn. amÀ-¡-änw-Kn ]-d-b-¯-¡ ap³-]-cn-N-b-anÃm-¯, Nm-À-t«-Uv A-¡u-|âm-b kRv-Pohv ta-¯, ]-t£ C-´y³ hn-]-Wnbn kr-ãn¨-Xv hn-kv-a-bamWv. B-dp hÀ-jw sIm-|v F-¨v bp FÃn-sâ hnÂ-¸\ 25,810 tIm-Sn cq-]-bn \n-¶v 38,224 tIm-Sn cq-]-bn-se¯n. hÀ-[\ 12,000 tIm-Sn cq-]-bn-tesd. C-Xv s\-kvse-bp-sSbpw t{]m-ÎÀ B³-Uv Kmw-_n-fntâbpw C-´y-bn-se sam-¯w _n-kn-\-kn-t\-¡mÄ Iq-Sp-X-emWv! C-¡m-e-b-f-hn F-¨v bp F t\Sn-b aq-ey-hÀ-[-\ aq-¶v e-£w tIm-Sn cq-]-bpw. F-Xn-cm-fnIfm-b tImÄ-tKäv, Um_À, amcn-tIm, tKm-Zv-sd-Pv I¬-kyq-aÀ t{]m-UIv-äv-kv F-¶n-h-bp-sSsbÃmw tNÀ-¶p-Å hn-]-Wn-aq-ey-t¯¡mÄ Iq-Sp-X-epw.
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PEOPLE IN THE NEWS
]n.F-¨v Ip-cy³ kw-Øm\-s¯ dn-b F-tÌ-äv sd-Kp-teä-dn A-tXm-dn-än-bp-sS (sdd) B-Zy sN-bÀ-am-\m-bn- ap³ sd-h\yp sk-{I«-dn ]n F-¨v Ip-cys\ \n-b-an-¨Xv G-sd {]-Xo-£-tbm-sS-bm-Wv kw-Øm\-s¯ dn-b F-kv-tä-äv cw-Kw t\m¡p-¶Xv. H-cp kw-cw-`I-sâ b-YmÀ-° {]-iv-\w Xn-cn-¨-dn-bp-¶ _yq-tdm-{Imäv F-¶ {]-Xn-Ñm-b k-¼m-Zn-¨n-«p-Å ]n.F-¨v Ip-cy³ hy-h-km-bn-I-tfmSpw _n-kn-\-kpIm-tcmSpw F¶pw kulr-Z a-t\m-`m-hw ]p-eÀ-¯p-¶ hyàn- Iq-Sn-bmWv. A-t§b-äw hn-j-aØn-Xn-bn-eq-sS dn-b F-tÌ-äv taJ-e I-S¶p-t]m-Ip-t¼mÄ B cw-K-¯n-sâ \n-e-\nÂ-¸n-\v A-\n-hm-cyamb C-S-s]-S ]n.F-¨v Ip-cy³ \-S-¯n-tb-¡pw. IÀ-j-I Ip-Spw-_-¯n ]nd-¶, ImÀjn-I ta-J-e-bp-sS {]-iv-\-§Ä sXm-«-dn-bp-¶ C-t±-l¯n-\v kw-Øm-\-¯n-sâ `q-hn\n-tbmK-s¯ kw-_-Ôn¨pw \nÀam-W co-XnI-sf Ip-dn¨pw hy-àam-b Im-gv-N-¸m-Sp-ap-|v.
AÂtI-jv Ip-amÀ iÀa kw-Øm\-s¯ \n-ch-[n s]m-XptaJ-em Øm-]-\-§-fp-sSbpw tZ-io-b-X-e-¯n-se C³-{^m-kv-{S-IvNÀ ]-²-Xn-bp-sSbpw km-c-Yy-¯nen-cp-¶v t\Sn-b A-\p-`-h k-¼¯p-am-bm-Wv sIm-¨n sa-t{Sm-sb \-bn-¡m³ AÂ-tI-jv Ip-amÀ iÀ-a sF F F-kv F-¯n-bn-cn-¡p-¶Xv. sIm-¨n sa-t{Sm-bp-sS c-|mw-L-« hn-I-k-\-¯n-\p-Å \o-¡-§Ä kPo-h-am-bn-cn-s¡-bmWv Cu \n-b-a\-sa-¶Xpw {i-t²-b-amWv. kn-hn k-ss¹-kv tImÀ-¸-tdj³, tI-c-f Sq-dn-kw h-Ip¸v, sIF-kv-sF-Un-kn, sI-Fw-Fw-F Xp-S-§n-b-h-bp-sS km-c-Yn-bm-bn-cp-¶p. sIm-¨n kv-amÀ-«v kn-än ]-²-Xn-bp-sS kn-C-H ]-Z-hn-bpw C-t±-l-¯n-\p-|v.
]ta-e A-¶ amXyp
hn-sI-kn a½-Zv tImb I-ayq-Wn-kv-äp-Im-c\m-b _n-kn\-kv km-cYn. A-]qÀ-Æam-b Cu an-{i-W-am-Wv hn-sI-kn a½-Zv tImb-sb hy-Xy-kv-X\m-¡p-¶Xv. \à I-½yq-Wn-kv-äm-bXp-sIm-|m-Wv \-sÃm-cp kw-cw-`-I-\m-Im³ km-[n-¨-sX-¶v kz-bw hn-e-bn-cp-¯Â \-S¯p-¶ C-t±-l-¯n-\v ]-d-bm³ sXm-gn-em-fn k-a-c-¯n-\v t\XrXzw \Â-In-b-Xn-sâ t]-cn sXm-gn \-ã-s¸-« N-cn{Xw Iq-Sn-bp|v. ^p-Svsh-bÀ hy-hkm-b cw-K-¯n-se ]pXn-b {]-h-W-X-IÄ-s¡m-¸w Np-h-Sp-sh-¨ hn-sI-kn C-¶v tZ-io-b-X-e-¯n {]uVn-tbm-sS \nÂ-¡p¶p. tI-c-f-¯nsâ hy-hkm-b ta-J-e-bv-¡v \ÂIn-b kw-`m-h-\I-sf am\n¨v ssS tI-c-f-bp-sS sse-^v ssSw A-¨o-hv-saâv A-hmÀUpw A-Sp-¯n-sS hn-sI-kn a½-Zv tIm-b-bv-¡v e-`n-¨p.
kw-Øm\-s¯ hy-hkm-b cwK-¯v th-dn-« hy-àn-Xz-amWv H-C-F-³ C-´y en-an-ä-Un-sâ am-t\-Pnw-Kv U-b-d-Iv-äÀ ]ta-e A-¶ am-Xyp. A-t§b-äw k-¦oÀ-Wam-b Ce-t{Îm-sa-¡m\n-¡Â Iw-t]m-Wâv am-\p-^m-Iv-N-dnw-Kv cwK-¯v ]n-Xm-hn-sâ ]m-X ]n-´p-SÀ-s¶¯n-b ]-ta-e, A-\pZn-\ am-ä-§Ä-¡v hn-t[-b-amIp-¶ Cu ta-J-e-bn sI-«n-¸-Sp-¯n-cn¡p¶Xv H-cp am-XrIm HmÀ-K-ss\-tk-j-³. F¶pw H-cp ]Tn-Xm-hm-bn-cp-¶m _n-kn\kv \-S-¯n-¸n shÃp-hn-fn-IÄ H-gn-hm-¡m³ km-[n-¡p-sa-¶v A-`n-{]m-b-s¸-Sp-¶ ]-ta-e kw-Øm\-s¯ h-\n-Xm-km-c-Yn-IÄ-¡v H-cp tdmÄ tam-U Iq-Sn-bm-Wv. Xn-f-¡-amÀ-¶ Cu kw-cw-`-I Po-hn-X-¯n-\p-Å Aw-KoIm-c-am-bn ssS tI-c-f-bp-sS sse-^v ssSw A-¨o-hv-saâv ]p-c-kv-Im-chpw A-Sp-¯n-sS ]-ta-e-bv-¡v e-`n¨p.
[\w hyh-kmb hmWnPy ssZzhm-cnI
HIv-täm_À 31, 2019
7
News, views & Trends
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tUm.kp-{_-Ò-Wy³ kzm-an
ssN
\-sb BÀ-¡m-Wv t]Sn? sXm-«-Sp-¯p-Å sN-dp cm-Py-§Ä-t¡m, AtXm C-´y-bv-t¡m?AsÃ-¦n hy-hkm-b `o-a-·m-cm-b A-ta-cn-¡bpw PÀ-½-\n-bpam-tWm A-Xn-s\ `-b-¡p¶Xv? G-ähpw ]pXnb t^mÀ-Nyq¬ 500 en-kv-äv H-cp kq-N-nI-bmbn F-Sp-¯m FÃm-h-À¡pw `-b-t¡-ï Im-c-W§Ä A-Xnep-ïv. temI-s¯ G-ähpw hen-b I-¼-\n-I-fp-sS t^mÀ-Nyq¬ 500 ]«n-I-bn 129 I-¼-\n-I-fpam-bn ssN-\ G-ähpw ap-¶n \nÂ-¡p-t¼mÄ A-ta-cn-¡-bp-sS 121 I-¼-\nI-tf A-Xn-epÅq. hÀ-j-§-fm-bn A-ta-cn-¡-bv¡m-bn-cp-¶p ]«n-Ibn ap³-Xq¡w. temIs¯ G-ähpw h-en-b 10 _m-¦p-I-fn B-Zy-s¯ \m-se-®hpw ssN-\-bnem-Wp-ÅXv. CXpw temI-s¯ G-ähpw hen-b hym-h-kmbn-I cm-Py§-sf B-i-¦-bn-em-gv-¯p-¶ L-S-I-amWv. a-äv G-sXm-cp ta-J-e F-Sp-¯mepw ssN-\ H-¶p-In A-Xn-se G-ähpw hen-b D¸mZ-Itcm A-sÃ-¦n D-]-t`màm¡tfm B-bn-cn-¡pw. B-tKm-f k-¼-ZvL-S\ ssN\-sb tI-{µoI-cn-¨p-Å-Xm-Ip-t¼mÄ H-t«-sd-t¸À ssN\-sb AÂ`p-X-t¯mSpw B-cm[-\-tbm-sS-bp-amWv ho£n-¡p-¶Xv. F-¶m aäp-Nn-eÀ-¡v A-kz-Ø-X bpw A-c-£n-X-Xzhpw D-|m-¡p¶p. A-Xn-\m A-ta-cn-¡³ {]-kn-Uâm-b {Sw-]v ssN-\-bp-sS km-¼¯n-I i-àn-sbbpw `-bm-h-lamb ssk \n-I ti-jn-sbbpw \n-b-{´n-¡m³ {i-an-¡p-¶Xn bm-sXm-cp A-Ûp-X-hp-anÃ. C-´y-bp-sS I-cp-X-se-´m-bn-cn-¡Ww? tam-Znbpw jn Pn³-]n§pw X-½n A-Sp-¯ Ime-¯v ku-lr-Z-]-cam-sbm-cp D-¨-tIm-Sn D-ïm-sb-¦n-epw cm-Py-¯nsâ XmÂ-]-cy-§Ä kw-c-£n-¡p-¶-Xn\p-Å Pm{K-X C-´y-¡p-ïm-bn-cn-¡Ww.
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s{IUnäv {Sm³kv^À hgn ]qÀ¯nbm¡mw
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HIv-täm_À 31, 2019
[\w hyh-kmb hmWnPy ssZzhm-cnI
thWw, kaqeamb km¼¯nI ]cnjvImcw A
-Sp-¯ 5 hÀ-j-¯n-\p-Ån 5 e-£w tIm-Sn tUm-f-dn-sâ k-¼-Zv-L-S-\-bm-bn C-´y-sb am-ä-Wsa-¶-Xm-Wv tI-{µ kÀ-¡m-cn-sâ e-£yw F-¶m A-Xn-\v C-t¸m-g-s¯ h-fÀ-¨m \n-c-¡v Xo-sc A-]-cym]v-X-am-sW-¶p am-{X-a-à A-Xn-te-¡m-bn k-aq-e-am-b
PnUn]n hfÀ¨bpw P\t£ahpw
km-¼-¯n-I ]-cn-jv-¡-c-W \-S-]-Sn-IÄ A-\nhm-cy-am-sW-¶pw ap³tI{µa{´nbpw cmPyk`m Fw.]nbpamb tUm.kp-{_-Ò-Wy³ kzm-an Nq|n-¡m-«p-¶p. At\Iw ssat{Im F¡tWmanIv ]²XnIÄ¡mWv Ct¸mÄ Kh¬saâvv ap³Xq¡w \ÂIp¶Xv. F¶m {]iv-\-]-cn-lm-c¯n\v amt{Im F¡tWmanIv CS-s]-S-ep-I-fmWv Bhiyw. sXmgnenÃmbva ]cnlcn¡m\pw Zmcn {ZytcJ¡v XmsgbpÅ P\§sf apIfnte¡v DbÀ¯m\pw ASp¯ 10 hÀjt¯¡v {]Xn hÀjw 10 iXam\w hfÀ¨sb¦nepw t\ Sntb aXnbmIq. 10 iXam\w hfÀ¨m \nc¡v 10 hÀjt¯¡v \ne\nÀ¯m³ Ignªm 5 e£w tImSn tUmfdnsâ k¼ZvhyhØ F¶Xv \ap¡v km[yamIpw. 2050HmsS Atacn ¡sbt¸mse C´y Hcp hnIknX cmPyambn amdpIbpw ssN\sb adnIS¡pIbpw sN¿pw. Unam³Uv Ipdbp¶psh¶XmWv Hcp {][m\ {]iv\w. AXn\v P\§fpsS hm§Â tijnbmWv hÀ²n¸nt¡|Xv. ASp¯Ime¯mbn I¼\nIÄ¡mWv Kh¬saâv \nIpXnbnfhpIÄ \ÂInbXv. F¶m hn]Wnbnse Unam³Uv hÀ[n¸n¡m³ hyànKX BZmb\nIpXnbmWv ]qÀ®ambpw Hgnhmt¡|Xv kzman ]dªp.
km¼¯nI {]XnkÔn sFän taJesbbpw _m[n¡p¶p B
\yq-kneâv {]-[m-\-a{´n P-kn-³Um BÀU³
cm-
Py-¯n-sâ sam-¯w B-`y-´-c D¸mZ\ (GDP) h-fÀ-¨bpw P-\-t£-ahpw X-½n _-Ô-sam-¶p-an-sÃ-¶v BtKm-f I-¼-\nbm-b Hemw {Kq-¸v k-l-Øm-]I\pw kn-C-H-bpamb k-®n hÀ-Ko-kv ]-d-bp¶p. D-Zm-l-c-W-am-bn km-¼-¯nIm-`n-hr-²-n-bn ap-¶n \nÂ-¡p-¶ ku-Zn A-td-_y-bv¡pw Ip-ssh-än\pw km-aq-ly-t£-a-¯n (tkm-jy shÂ_o-bnwKv) hf-sc Xm-sg-bm-Wv Øm\w. F-¶m km-¼-¯n-I-am-bn A-h-tb-¡mÄ ]n-¶n-se-¦nepw tIm-kv-äm dn-¡-bpw dphm-|bpw t]m-ep-Å cm-Py-§Ä km-aqly-t£-a-¯n ap-¶n-emWv. B-tKm-f k¼-ZvcwK-¯v h-fÀ-¨-bp-|m-bn-«p-s|¦nepw tem-I-¯m-I-am-\w km-¼-¯n-I A-k-aXzw hÀ-[n-¡p-I-bmWv. tem-Is¯ 3.8 _n-ey¬ B-fp-IÄ-¡p-Å-Xn-t\-¡mÄ A[n-I k¼-¯v B-tKm-f-X-e-¯n-se 65 Ip-Spw-_-§Ä ssI-b-S¡n-bn-«p-|v F-¶ IW¡v Cu A´-cw F-{X `o-a-am-Wv F-¶v \-s½ t_m-[y-s¸-Sp-¯pw. tem-I-¯m-Zy-am-bn km-¼¯n-I _-P-än-\p ]I-cw "shÂ-_o-bnw-Kv _P-äv' A-h-X-cn-¸n-¨ \yq-kn-eâv km-¼¯n-I t\-«-¯n-\-¸pdw ap³K-W-\ \Â-Ip¶-Xv cm-Py-s¯ sam-¯w P-\-t£-a-¯n\pw k-t´m-j-¯n-\p-am-Wv. G-Xv hn-t[-\bpw h-fÀ-¨ t\Sp-I F-¶XÃ, kp-Øn-cam-b h-fÀ-¨ F-¶-Xm-Wv C-¶v B-tKm-f th-ZnI-fn-seÃmw NÀ-¨ sN-¿-s¸-Sp-¶Xv.
tKmf km¼ ¯nI{]XnkÔn sFän taJesbbpw _m[n¡p¶Xnsâ kqN\IÄ. \mev aney¬ s{]m^jW epIÄ¡v t\cn«pw 13 aney¬ t]À¡v ] tcm£ambpw sXmgn sImSp¡p¶ 154 _n ey¬ tUmfdnsâ C´ybnse sFän taJebnepw HSphn {]XnkÔnbpsS k½À±§Ä A\p` hs¸«pXpS§n. aäp taJeIsf BtKmfkm¼¯nI {]XnkÔn _m[n¨ t¸mÄ bqtdm¸n \n¶pw bp.Fkn \n¶papÅ Unamâv sImïv sFän taJe hnPbIcambn c£s]«v \n¡pIbmbncp¶p C{XImew. F¶m C´ybnse Gähpw henb sFän I¼\nbmb änknFknsâ cïmw ]mZ hfÀ¨bnse CSnhv sFän taJe t\ cnSp¶ shÃphnfnbpsS kqN\bmWv. bp.Fknsebpw bqtdm¸nsebpw _m¦nwKv taJe bnse amµyhpw dosäbv taJebnse {]iv-\§fpw sFän I¼\nIfpsS {]IS\s¯ _m[n¨n«psï¶v dnt¸mÀ«pIÄ Nqïn¡m«p¶p. bp.Fknepw aäv hnI knX cmPy§fnepw km¼¯nIamµy¯n\pÅ `ojWn hÀ[n¨phcp¶ kmlNcy¯n hcpw amk§fn sFän taJebpsS hfÀ¨mkm[yXIsf¡pdn¨v Bi¦ IÄ Dbcp¶p. B`y´c hn]Wn e£yanSp¶ {]mtZ inI kwcw`§Ä {]XnkÔn t\cnSp¶ kmlNcy ¯n BtKmfXe¯n \n¶pÅ Unam³Uv Dïm bncp¶XpsImïmWv Cu taJe CXphsc anI¨p \n¶sX¶v HmÀ¡Ww. Cu {]XnkÔn XpScpIbpw sFän taJe bpsS hfÀ¨sb _m[n¡pIbpw sNbvXm 2025HmsS aq¶v Zie£w sXmgnehkc§Ä krãn¡pIsb¶ e£yw hnZqckz]v-\ambn amdpw. AXmbXv hnhn[ bqWnthgv-knänIfn \n¶v ]Tn¨nd§p¶ e£¡ W¡n\v sFän _ncpZ[mcnIÄ¡v tPmen e`n¡m\pÅ km[yXbpw a§pw.
A\m-en-knkv ANALYSIS
t{SUv bqWnb\pIÄ hyhkmb kulrZ A´co£s¯
Atemkcs¸Sp¯p¶pthm? _nkn-\k - p-IÄ-¡v ]än-b a-®Ã - tI-cf - s - a-¶ {]-XnÑm-b G-sd ]-Wn-s¸-«v am-äm³ {i-an-¡p-t¼mÄ A-Sp-¯n-sS tZio-b am-[y-a§ - Ä h-sc NÀ-¨ sNbvX sXm-gn k-ac - § - Ä _n-kn\-kv kulr-Z A-´c - o£-s¯ F-§s - \-bm-Wv _m-[n-¡p-¶Xv? amdn-b Ime¯vv sXm-gn-em-fn bq-Wn-b\ - p-If - p-sS tdmÄ F-´mWv? bq-Wn-b³ km-cY - n-If - p-sSbpw _n-kn\-kv km-cY - n-If - p-sSbpw {]-Xn-Ic - W - § - Ä
sXmgn A´co£w sa¨s¸Sp¯m³ t{SUv bqWnb\pIÄ A\nhmcyw tI-
sI.N-{µ³ ]nÅ
c-f-¯n-sâ am-{X-aà C-´y³ k-¼-Zvhy-h-Ø- ]cn-tim[n-¨m ImÀjn-Iþhy-hkm-b taJe h-ln-¡p-¶ ]-¦v hf-sc h-epXmWv. ImÀjn-I ta-J-e- F¶pIq-Sn F-Sp¯p ]-d-bp-¶Xn-sâ Im-cWw, sXm-gn-em-fn bq-Wn-b-\p-IÄ-¡p-Å {]m-[m\yw kw-Øm-\-X-e-¯n hf-sc G-sd i-à-am-bXv sIm-|mWv. sXm-fn-em-fn-Ifpw sXm-gn-ep-S-abpw X-½n F-t¸mgpw \n-e-\-n¶p h-¶n-cp-¶ th-X-\ {]-iv-\-§fpw sXm-gn km-l-N-cy-§fp-sS {]-iv-\-§fpw ]-cn-l-cn-¡p-¶-Xn-\m-Wv t{S-Uv bq-Wn-b-\pIÄ \n-b-a-{]-Im-cw \n-e-hn- h-¶Xv. HcnS¯pw bmsXmcp
kn-sF-Snbp, A-Jn-te-´y {]-knUâv
hn[¯nepÅ A{Ia{]hÀ¯\§fpw kn sF Sn bpthm kac¯n GÀs¸Sp¶ sXmgnemfnItfm \S¯p¶nÃ. sXm gnemfnIfpsS \ymbamb AhImi§Ä Nhn«n saXn¨p sIm|à Øm]\§Ä {]hÀ-¯n-t¡-|Xv. sXmgnemfnIsf Bt£]n¡pIbpw sXmgnÂkac§sf A[nt£]n¡pIbpw sN¿p¶ \ne]mSnt\mSv Hcp Xc¯nepw tbmPn¡m³ IgnbnÃ. C-¯-c-¯n-ep-Å am-t\-Pv-saâp-IÄ X-§-fp-sS ta-Je-bnse sXm-gn-em-fn-I-fp-sS {]m-[m\yw a-\-kn-em-¡p¶-Xp h-sc C-¯-c-¯n-ep-Å k-a-c-§Ä C-hn-sS D-|m-bn-s¡m-t| C-cn-¡pw.
amµyw amdm³ sXmgnemfnIÄ¡v anI¨ thX\w \ÂIp¶XneqsS km[yamIpw
C-
´y³ t{S-Uv bq-Wn-b³ B-Iv-äv A-\p-k-cn¨v sXm-gn-em-fnI-fp-sS \n-b-a-]-cam-b A-h-Im-i-am-Wv t{S-Uv bqWn-b-\pIÄ. sXm-gn-em-fn-IÄ A-\m-h-iy-am-bn k-a-c-§Ä \-S-¯m-dnÃ. F-¶m \n-b-am-\p-kr-X-am-bn H-cp Øm-]-\-¯n tPm-en sN¿p-t¼mÄ A-hÀ-¡v e-`n-t¡-| B-\p-Iq-ey-§Ä e-`n-¡m-sX h-cp-t¼mÄ A-Xv tNm-Zn-t¡-|-Xv A-h-cp-sS Np-a-X-e-bmWv. A-Xv H-¯p-XoÀ-¸m-¡m-\p-Å A-\p-c-Rv-P-\ amÀ-K§Ä am-t\Pv-saâv ssI-s¡m|nsÃ-¦n Xp-SÀ-¶v k-a-c-¯n-te-¡v t] Ip-I F¶-Xv kzm-`m-hn-I-amWv. C-Xv tem-I-s¯Ãm-bn-S¯pw \-S-¡p-¶-XmWv. sXm-gn-em-fn-Ifpw am-t\-Pv-saâpw an-I-¨ co-Xnbn ap-t¶m«p-t]m-bm-te C-hn-Sp-s¯ hy-hkm-b km-¼¯n-I
\-
km-l-N-cy-§Ä sa-¨-s¸-«-XmIq. R-§Ä tPm-en-¡p \n-b-an-¨hÀ R-§Ä ]-d-bp-¶-sXÃmw A-¸m-sS A-\p-k-cn-¡-W-sa-¶v H-cp am-t\-Pv-saân\pw ]-d-bm³ I-gn-bnÃ. C-´y-³ P-\-kw-Jybnse 56 tIm-Sn h-cp-¶ P-\-§fpw th-X-\-¯n-sâ A-Sn-Øm\-¯n sXm-gn-se-Sp-¯p Po-hn-¡p-¶-h-cmWv. A-h-cp-sS h-cpam-\-am-Wv hy-h-km-b-¯n-sâ h-fÀ-¨m km[y-X D-d-¸m-¡p-¶Xv. am-t\-Pv-saâp-I-fp-sS sXäm-b {]-h-W-X-I-fn kÀ-¡mÀ C-Ss]-Sp-Ibpw an-I-¨ th-X-\-¯n-eq-sS, sXm-gn km-l-N-cy-§-fneqsS P-\-§-fp-sS I-¿n-te-¡v Iq-SpX ]-Ww h-cp-Ibpw sN-bvXm am-{X-ta C-hn-Sp-s¯ hy-h-km-bw h-f-cp-I-bp-Åp. Ffa-cw Icow, kn-sF-Snbp, kwØm-\ {]-kn-Uâv
ChnsS H¶pw amdnÃ, thïXv _nkn\kv hn]peoIcWw
b-§Ä A-\p-k-cn-¨p-Å t{S-Uv bqWn-b³ {]-hÀ-¯-\-§fm-Wv \-S-¡p-¶-sX-¶p ]-d-ªmepw hÀ-j-§-fm-bn \n-b-{´n-XaÃm-¯ co-Xn-bn-em-Wv A-h-cp-sS {]-hÀ-¯-\-§Ä ]-e-t¸mgpw \-S-¡p-¶Xv. t\m-¡pIq-en {]-iv-\w A-¯-c-¯n H-¶m-bncp¶p. A-Xn-sâ ]-cnWn-X ^-e-§Ä G-ähpw A-[n-Iw A-`n-apJoI-cn-t¡-|n h-¶ H-cm-fm-Wv Rm³. tI-c-f-¯n hy-hkm-b km-l-Ncyw sa-¨-s¸-Sp-¯m-\m-bn kÀ-¡mÀ \-S-]-Sn-IÄ kzoI-cn-¡p-¶p-s|-¦n-epw A-h {]m-tbmKn-I X-e-¯n F-{Xt¯m-fw {]m-hÀ-¯n-I-am-¡p-¶p-|v F-¶-Xn bm-sXm-cp hy-
sIm-¨u-tk-¸v Nn-än-e-¸nÅn,
sNbÀ-am³, hnþKmÀ-Uv
à-X-bp-anÃ. G-Xv ]mÀ-«n-bm-bm-epw A-h-cp-sS thm-«v _m-¦v c-£n-¡m-\m-bn F-t¸m-gpw bq-Wn-b-s\m¸-ta \nÂ-¡q. F-¶n-«v tI-c-f-¯n sXm-gn {]-iv-\-§-fnà F-¶v sh-dp-sX ]-d-bpw. "cm-Pm-hv \-á-\m-sW-¦nepw cm-Pm-hv th-j-`q-jm-[n-I-tfm-Sp IqSn-bm-sW-'¶p ]-d-bp¶-Xp t]m-se-bm-Wv C-hn-Sp-s¯ Ah-Ø. F-t¸mgpw C-hn-Sp-s¯ hy-hkm-b A-´-co-£-¯n H-cp A-\nÝn-Xm-h-Ø-bm-Wv \n-e-\nÂ-¡p-¶Xv. tI-c-f-¯n-\p ]p-d-t¯¡v hy-h-km-bw h-fÀ-¯n-bm-te _n-kn-\-kp-ImÀ-¡v C-\n c-£bpÅp. A-sÃ-¦n tI-c-f-¯n-se hy-hkmb km-l-N-cy-§Ä sa-¨-s¸-Sp-¯m³ kÀ-¡m-cn-\v I-gn-b-Ww.
kacw sN¿p¶Xv t]mse kac¯n \n¶p amdn\n¡p¶Xpw AhImiw
P-\m-[n]-Xy cm-{ã-¯n t{S-Uv bq-Wn-b-\n-kw \n-b-a-]-c-am-
Wv. F-¶m k-a-c§Ä A-{I-am-k-à-am-¡-cpXv. tPm-en sN¿m-sX H-cp hn-`m-Kw B-fp-IÄ am-dn \nÂ-¡p¶-Xv t]m-se tPmen sN-¿p-¶-h-cp-sS A-h-Im-i-§fpw ]m-en-¡-s¸-SWw. Ah-sc tPm-en sN-¿m-sX A-{I-a-¯n-eq-sS hnc-«n, _n-kn-\-kn-sâ {]-hÀ-¯-\§-sf _m-[n-¡p-¶ X-c-¯n-te-¡v am-äcpXv. t{S-Uv bqWn-b-\p-IÄ hnhn-[ ta-J-e-I-fn-se {]-hÀ-¯-\-§Ä-¡v D¸m-Z-\ £-a-X hÀ-[n-¸n-¡p-¶-Xn t]m-j-I i-àn-bp-am-Ip-¶p|v. A-{I-am-k-à-am-I-cp-Xv F-¶-Xm-Wv {]-[m-\w, A-Xn-\m-bn K-h¬-saâv IÀ-i-\-am-b \n-b-{´-W-§Ä sIm-|p-h-cWw.
FÃm-hcpw _n-kn-\-kp-am-bn ]p-d-t¯-¡p t]m-Ip-t¼mÄ, anI-¨ co-Xn-bn tI-c-f-¯n X-s¶ hy-h-km-bw h-fÀ-¯m\pw an-I-¨ am-t\-Pv-saâv sI-«n-¸-Sp-¡m-\pw I-gn-ª A-\p-`-h-¯n \n-¶m-Wv ]-d-bp-¶Xv. hy-hkm-b kulr-Z A-´-co-£hpw anI-¨ Pohn-X Np-äp-]m-Sp-Ifpw D-Å Ø-ew Xs¶bm-Wv tIcfw. ]-s£ A{I-a hmk-\-tbm-sS s]-cp-am-dp-¶ Nn-e bq-Wn-b³ {]-hÀ-¯-\-§Ä-¡p-ta IÀ-i-\am-b \n-b-{´-W-§Ä sIm|p-h-c-W-sa-¶p am-{Xw. ]p-d-¯p-\n¶pw \n-t£-]-I-sc-¯-Wsa-¦n C-hnS-s¯ km-l-N-cy-s¯-¡p-dn-¨p-Å `o-Xn am-äm³ tPm-kv sUm-an-\nIv, K-h¬-saâv ap³-ssI-s¿-Sp-¡Ww. k-lþØm-]I - ³, knPnF-¨v FÀ¯v [\w hyh-kmb hmWnPy ssZzhm-cnI
HIv-täm_À 31, 2019
9
IhÀ tÌmdn COVER STORY
tem-I-¯n-se G-ä-hpw ITn-\-am-b Im-bn-I-bn-\-§-fn ^n-\n-jnw-Kv sse³ sXm-« _n-kn-\-kv cw-K-s¯ aq-¶v a-e-bm-fn-IÄ kv-t]mÀ-Sv-kn \n-¶v A-hÀ ]Tn-¨ _n-kn-\-kv ]mT-§Ä ]-¦p-sh-bv-¡p-¶p
kv-t]mÀSv-kn \n¶pÅ
_nkn\kv ]mT§Ä Sn F-kv Ko\
C-
Xm aq¶p-t]À. tem-INm-¼y-•mÀ. Ip-d-¨p-Iq-Sn hy-à-am-bn ]-d-ªm tI-cf-¯n _n-kn\-kv sN-¿p-¶, tem-I Im-bn-I th-Zn-I-fn sh-¶ns¡m-Sn ]m-dn-¨-hÀ. C-hÀ ]qÀ-W-k-ab Im-bn-I-Xm-c-§-f-Ã. G-sXm-cp kw-cw-`-I-s\bpw t]m-se _n-kn-\-kns\ Po-h-izm-k-am-bn sIm|p-\-S-¡p-¶-hÀ. ]-t£ cm-Pym-´-c Im-bn-I-th-Zn-bn `m-c-X-¯n-sâ tZ-io-b-]-Xm-I D-b-sc ]n-Sn-¨v ^n-\n-jnw-Kv sse³ sXm-«-h-À. a-Õ-cmÀ-°n-I-fp-sS am-\-kn-I-hpw Im-bn-I-hp-am-b £-a-X- ]-co-£n-¡-s¸Sp-¶ cm-Pym-´-c-X-e-¯n-se aq-¶v hy-Xykv-X kv-t]mÀ-Sv-kv C-hâp-I-fn am-äp-c-¨v P-bw t\-Sn-b t{Km-¯v I¬-kÄ-«âv sI F s^-en-Iv-kv, d-^-d³-kv t]m-bvâv sS-Iv-t\m-f-Pn k-À-ho-k-kv am-t\-Pnw-Kv U-b-d-Iv-äÀ tPm-_n t]mÄ, t^mÀ-«v sIm-¨n-bn-se HmÄ-Uv lmÀ-_À tlm-«Â, Im-in BÀ-«v I-t^ Xp-S-§n tlm-kv]n-äm-en-än cw-K-s¯ th-dn-« {]-Øm-\-§-fp-sS km-c-Yn F-Uv-KmÀ ]n-tâm F-¶n-hÀ-¡v am-µyw h-¶v hm-Xn-en ap-«p-¶ Cu k-a-b-¯v _n-kn-\kv k-aq-l-t¯m-Sv ]-d-bm-\p-|v Nn-e Im-cy-§Ä. Im-bn-I th-Zn-I-fn \n-¶v, kv-t]mÀ-Sv-kv C-hâp-Ifn \n-¶v ]Tn-¨ Im-cy-§Ä. _n-kn-\-kpw kvt]mÀ-Sv-kpw H-¶n-t\m-sSm-¶p tNÀ-¶p \nÂ-¡p-¶ "tem-I-Nm-¼y-•m-cp'sS hm-¡p-IÄ tIÄ-¡mw.
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HIv-täm_À 31, 2019
[\w hyh-kmb hmWnPy ssZzhm-cnI
Atb¬ am tPm-_n t]mÄ,
am-t\-Pnw-Kv U-b-d-Iv-äÀ, d-^-d³-kv t]m-bvâv sS-Iv-t\m-f-Pn kÀ-ho-k-kv \o-´Â, ssk-¢nw-Kv, Hm-«w C-h-aq¶pw tN-cp-¶ {S-bm-Xv-e-Wn-sâ "_nKv t_m-km'b A-tb¬ am³ ]-«w, aq-¶v h-«w I-c-Ø-am-¡n-b a-e-bm-fn.
sN
-dp-¸w ap-X ^n-äv-\-kn {i-²-bp|m-bn-cp-¶p. F-¶m k-Po-h-am-bn Im-bn-Ibn-\-§-fn ]-s¦-Sp-¯n-cp-¶p-an-Ã. tPm-en-bp-sS `m-K-am-bn 2012 A-ta-cn-¡-bn-se-¯n-b-t¸m-gm-Wv ]m-Ým-XyÀ F-{X-am-{Xw ^n-äv-\-kn\v {i-² sIm-Sp¡p-¶p-sh-¶v a-\-Ên-em-b-Xv. bp-F-kn-se A-¶-s¯ ku-lr-Z-¡q-«m-bv-a-bp-sS `m-K-am-bn Rm³ Hm-Sm³ Xp-S-§n. Hm-«w \-½p-sS i-co-c-¯n A-Ûp-X-I-c-am-b am-ä-§Ä kr-ãn-¡pw.2013 tkmÄ-kv sIm-¨n-tbm-Sv tNÀ-¶v Hm-«w Po-hn-X-¯n-sâ `m-K-am-¡n. H-cn-¡Â IqÀ-Kv am-c-t¯m-Wn ]-s¦-Sp-¡p-t¼m-gm-Wv B-Zyam-bn an-en-µv tkm-a-s\ ]-cn-N-b-s¸-Sp-¶-Xv. C-´y-bn-se B-Zy-Xe-ap-d A-tb¬ am-\m-Wv A-t±-lw. an-en-µv tkm-a-\p-am-bp-Å B Iq-Sn-¡m-gv-N-bm-Wv F-s¶ A-tb¬ am³ C-hân-te-¡v A-Sp-¸n¡p-¶-Xv. \o-´Â, ssk-¢nw-Kv, Hm-«w C-h aq-¶pw tN-cp-¶-Xm-Wv A-tb¬-am³ Nmw-¼y³-jn-¸v.
t\Snb-Xv D-cp¡p-t]m-ep-Å a-\-¡-cp¯v H-tc Im-cyw \mw Øn-cw sN-bv-Xm hn-c-k-am-Ipw. R-§-fp-sS t{]m-P-Iv-äp-I-fpw A-Xp-t]m-se-bm-Wv. Fw-_-U-Uv kn-kv-äw cw-K-¯mWv R-§-fp-sS I-¼-\n {]-h-À-¯n-¡p-¶-Xv. Nn-e-t¸mÄ sa-Un-¡Â cw-K-s¯ I-¼-\n-bp-sS t{]m-P-Iv-äm-hmw Nn-e-t¸mÄ I¬-kv-{S-£³ cw-K-t¯-Xm-Imw. ]-c-kv-]-c _-Ô-an-Ãm-¯ ta-J-e-I-fn-se ]p-Xp-a-
ssk-¢nw-Kpw _nkn\kpw ]ns¶ B bm{X-bpw s^-en-Iv-kv sI.F,
t{Km-¯v I¬-kÄ-«âv
tem-I-¯n-se G-ä-hpw ZoÀ-L-Zq-c ssk-¢nw-Kv C-hâm-b ]m-co-kv þ {_-Ìv þ ]m-co-kv (]n-_n-]n) 2019 hn-P-b-I-c-am-bn ]qÀ-¯n-bm-¡n-b aq-¶v a-e-bm-fn-I-fn H-cmÄ. \m-ev cm-{Xnbpw aq-¶p-]-I-ep-am-bn 90 a-Wn-¡q-dn-\p-Ån a-Õ-cw ]qÀ-¯n-bm-¡p-¶-h-cm-Wv ]n-_n-]n hn-P-bn-IÄ.
]m-]m-ccn-kn-knÂv þ \n-{_-¶Ìv v{_-þ ]m-Ìcn-sn-ke-¯v, a-Õ n Xn-cn-¨v ]m-cn-kn-se-¯p-¶ -cmÀ-°n-I-fp-sS Ìm-an-\-
bpw k-l-\-i-àn-bpw A-f-¡p-¶ ITn-\-am-b ssk-¢nwKv C-hâm-Wv. ]n-_n-]n-bp-sS B-Zy-s¯-bpw A-h-km\-s¯-bpw 50 In-tem-ao-ä-dp-IÄ am-{X-ta k-a-X-e-am-b {]-X-e-¯n-eq-sS-bp-Å ssk-¢n-Kv D-Åq. sN-¦p-¯m-b I-b-ä-§-fpw {Km-ao-W ]m-X-I-fpw a-e-{¼-tZ-i-§-fpam-Wv a-Õ-cmÀ-°n-IÄ ]n-¶n-tS-|-Xv.
]n-_n-]n-bp-sS aq-¶v Im-cy-§Ä C-Xm-Wv.
³; _nkn\knepw
1. Ip-¯-s\-bp-Å I-b-ä-§-fpw C-d-¡-§-fp-amWv C-Xn-sâ H-cp k-hn-ti-j-X 2. A-t§-b-äw hn-`n-¶-am-b Im-em-h-Ø-sb F-Xn-cn-S-Ww. ]m-cn-kn-se th-\Â-Im-e-¯mWv a-Õ-cw. Ip-d-ª Xm-]-\n-e A-©v Un-{Kn ap-X Iq-Sn-b Xm-]-\n-e 31 Un-{Kn- h-sc a-Õ-c-th-f-bn A-\p-`-h-s¸-«p. 3. G-ä-hpw ssZÀ-Ly-ta-dn-b Im-bn-I-bn-\§-fn-sem-¶m-Wn-Xv. H-cp Zn-h-kw sshIo-«m-Wv a-Õ-cw B-cw-`n-¡p-¶-Xv. \m-ev cm-{Xn-bpw aq-¶p-]-I-ep-am-bn 90 a-Wn-¡qdn-\p-Ån 1200 In-tem-ao-äÀ ]n-¶n-S-Ww. {_-th- hn-`m-K-¯n s]-« Cu Im-bnI-bn-\-¯n-sâ A-Sn-Øm-\-aq-ey-§Ä c-|m-Wv. H-¶v C-Xv a-Õ-cm-[n-jvTn-X-aÃ. a-säm-¶v C-Xv kz-bw ]-cym]-X-am-b H-¶m-Wv. A-Xm-b-Xv C-hân ]-s¦-Sp-¡p-t¼mÄ ssk-¡n ]-©-dm-bmÂ, a-äv tI-Sp-]m-Sp-IÄ ]-än-bm kz-bw t\-sc-bm-¡n ap-t¶m-«p -t]m-I-Ww.
tb-dn-b Im-cy-§Ä sh-dpw B-i-b-¯n-sâ L-«-¯n \n-¶v ]p-Xn-sbm-cp I-|p-]n-Sp-¯-¯n-sâ X-e-¯n-te-¡v F-¯n-¡pI-bm-Wv R-§Ä sN-¿p-¶-Xv. C-Xn-\n-sS A-{]-Xo-£n-X-am-b ]-e-Xpw kw-`-hn-¡pw. \-½Ä hn-I-kn-¸n-s¨-Sp-¯ H-¶v dn-b km-l-N-cy-¯n-se-¯p-t¼mÄ {]-Xo-£n-¨ t]m-se {]-hÀ-¯n¡-W-sa-¶n-Ã. F-´n-s\-bpw t\-cn-Sm-\p-Å I-cp-¯pw G-Xv {]-Xn-Iq-e km-l-N-cy-¯n-epw A-Xn-th-Kw a-\-kv t\-sc-bm¡n a-dn-I-S-¡m-\p-Å I-gn-hpw D-s|-¦n am-{X-ta Cu L-«§-sf F-Xn-cn-Sm³ km-[n-¡q. Hm-«w F-\n-¡v A-sXm-s¡ -bm-Wv k-½m-\n-¨-Xv. kv-t]mÀ-Sv-kn-se-¶ t]m-se _n-kn-\-kn-epw F-\n-¡v Ip-Spw-_ ]m-c-¼-cy-an-Ã. Hm-W-¡q-dn ImÀ-jn-I-Ip-Spw-_¯n-em-Wv P-\n-¨-Xv. kv-t]mÀ-Sv-kn \n-¶p ]Tn-¨ ]mT-§Ä _n-kn-\-kn-epw I-cn-b-dn \n-¶p ]Tn-¨-h kv-t]mÀ-Sv-kn-epw {]-tbm-Kn-¡m-dp-|v. A-tb¬-am³ sN-¿p-t¼mÄ Hm-tcm L-«-¯n-epw i-co-cn-I £-a-X-bpw am-\-kn-I i-àn-bp-am-Wv ]-co-£n-¡-s¸-Sp-¶-Xv. \n-c-´-c ]-cn-io-e-\w, an-I-hp-ä sS-Iv-\n-¡v, k-l-\-£-a-X F-¶n-h-bn-eq-sS-bm-Wv a-\-kpw i-co-c-hpw ^n-äv B-bn \n-e\nÀ-¯p-¶-Xv. sU-•mÀ-¡n X-Wp-¯p-d-ª k-ap-{Z-¯n \o-´p-t¼m-gpw I-\-¯ a-g-bn ssk-¢nw-Kv \-S-¯p-t¼m-gpw sX-¶p-¶ {]-X-e-¯n am-c-t¯m¬ Hm-Sp-t¼m-gpw Cu ZpÀ-L-Sm-h-Ø-bpw I-gn-ªp-t]m-Ipw, tPm-_n t]mÄ.. Zv A-tb¬ am³ F-¶ {]-Jym-]-\-hpw C-´y³ ]-Xm-I ]p-X-¨p-Å B-Ëm-Z-hpw am-{X-am-bn-cp-¶p a-\-knÂ. C-¶v R-§Ä-¡v e-`n-¨ I-cm-dp-IÄ t]m-epw tlmÄUv sN-¿p-¶ A-h-Ø-bp-|v. cm-Pym-´-c-X-e-¯n-se km¼-¯n-I sR-cp-¡w aq-ew I-¼-\n-IÄ {]-h-À-¯-\-§Ä Np-cp-¡n-b-Xm-Wv Im-c-Ww. ]-t£ km-¼-¯n-I-cw-K-s¯ Np-cp-§Â XmÂ-¡m-en-I {]-Xn-`m-kw am-{X-am-Wv. H-cn-S-¯v X-fÀ-¨ h-cp-t¼mÄ a-tä-sX-¦n-epw cw-K-¯v h-fÀ-¨-bp-|mIpw. a-\-kv X-f-cm-sX A-Xn-te-¡v {i-²-bq-¶m³ t]m-kn-äohm-sbm-cp a-\-kpw a-\x-km-¶n-[y-hpw th-Ww. A-Xv km-[n-¡p-sa-¶m-Wv A-tb¬-am³ ]-«w F-s¶ ]Tn-¸n-¡p-¶-Xv.
Cu hÀ-jw 70 cm-Py-§-fn \n-¶p-Å 6800 t]À ]-s¦-Sp-¯p. C-´y-bn \n-¶v ]-s¦-Sp-¯
346 t]-cn 42 t]À hn-P-b-I-c-am-sb-¯n. tI-c-f-¯n \n-¶v 13 t]-cp-|m-bn. hn-P-bn-¨-Xv Rm-\-S-¡w aq-¶p-t]-cpw.
_n-kn-\-kv ]mT-§Ä ]n-_n-]n-bn-se Hm-tcm L-S-I-s¯-bpw _n-kn-\-kp-am-bn tNÀ-¯v hm-bn-¡m³ ]-äpw. 1. I-b-ä-hpw C-d-¡-hpw: ]n-_n-]n ssk-¢n-Ìp-IÄ I-S-¶p -t]m-Ip-¶ h-gn-bn-se sN-¦p-¯m-b I-b-ä-§Ä \-½p-sS \m-«nse-§pw ]-cn-Nn-X-a-Ã. H-cp ssk-¢n-kv-än-\v I-b-ä-am-Wv {]-bm-kw. C-d-¡w {]-iv-\-a-Ã. _n-kn-\-kn I-b-äw k-t´m-j-I-c-am-b Im-cy-am-Wv. C-d-¡-am-Wv _p-²n-ap-«v. ssk-¡n-fn-kv-än-\v C-d-§m³ F-fp-¸w I-gn-bp-¶-Xv {Km-hn-än A-S-¡-ap-Å \-½-fp-tS-X-Ãm-¯ Nn-e i-àn-I-fp-sS k-lm-bw sIm-|p-Iq-Sn-bm-Wv. _n-kn-\-kn \mw D-b-cp-t¼m-gpw C-Xp-t]m-se ]p-d-¯p-\n-¶pÅ A-\p-Iq-e-L-S-I-§-fp-sS ]n-´p-W In-«n-bn-«p-|m-Ipw. C-d-§n-sIm-|n-cn-¡p-t¼m-gpw D-Ån Im-Wp-¶-Xv A-Sp-¯ I-b-ä-am-Wv. A-Xp-sIm-|v A-\p-Iq-e-L-S-I-§-fn A-\m-bm-kw Xm-tg-¡v t]m-cp-t¼mÄ A-Xn-sâ I-cp-¯n- A-Sp-¯ I-b-ä-¯nsâ ]-Ip-Xn-tbm-fw Zq-cw ]n-¶n-Sm³ ]m-I-¯n im-co-cn-I-£-a-Xbpw k-a-b-hpw I-cp-Xn sh-bv-¡pw. H-cp _n-kn-\-kp-Im-c-\pw kw-cw-`-¯n C-Xm-Imw. A-\p-Iq-eL-S-I-§-fp-sS ]n-´p-W-bn _n-kn-\-kn _qw D-|m-Ip-t¼mÄ h-cm-\n-cn-¡p-¶ C-d-¡-s¯ \mw ap-¶n Im-W-Ww. H-cp _n-kn\-kpw In-«n-bn-sÃ-¦n t]m-epw Np-cp-§n-b-Xv 18 am-kw th-X-\w sIm-Sp-¡m-\p-Å ]-Ww kw-cw-`-IÀ I-cp-Xn-sh-bv-¡-W-sa-¶m-Wv X-Xzw. Rm³ ]n-_n-]n-bn ]-s¦-Sp-¡p-t¼mÄ B-Zy-s¯ I-b-äw A-t§-b-äw ITn-\-am-bn-cp-¶p. B A-h-Ø-bn F-\n-¡m-sc-bpw Ip-ä-s¸-Sp-¯m-\n-Ã. a-Õ-c-¯n-\v H-cp-§p-t¼m-tg A-dn-bm-am-bn-cp¶p C-¯-cw Zp-À-L-Sm-h-Ø-I-fp-s|-¶v. kw-cw-`-I-cpw C-Xpt]m-se-bm-Wv. H-cp kw-cw-`-I-\m-Im³ C-d-§n-¸p-d-s¸-Sp-¶-bm-sf B-cpw \nÀ-_-Ôn-¨v B tdmÄ GÂ-¸n-¡p-¶-X-Ã. kz-bw t]m-cm-Sp-I. A-Xp-am-{X-am-Wv amÀ-Kw. ]n-¶o-Sv F-\n-¡v I-b-äw ]-cn-Nn-X-am-bn. _nkn-\-kn _p-²n-ap-«p-IÄ h-cp-t¼mÄ B-scbpw Ip-äw ]-d-bm-sX \n-§-fp-sS dn-tkm-gv-kp-IÄ kÀ-h-Xpw ]p-d-s¯-Sp-¯v t]m-cm-Sp-I. 2. A-{]-Xo-£n-X-am-b Im-em-h-Øm-hy-Xn-bm-\-§Ä: _n-kn-\kn-epw C-Xp-X-s¶-b-tà Øn-Xn? tI-c-f-¯n \n-¶v ]p-d-s¸-Spw ap-¼v CâÀ-s\-än ]-c-Xn-b-t¸mÄ I-| A-´-co-£- Du-jv-am-hv 16þ25 Un-{Kn-bm-Wv. F-¶m A-\p-`-hn-¨-tXm 5 þ 31 Un-{Kn-
[\w hyh-kmb hmWnPy ssZzhm-cnI
HIv-täm_À 31, 2019
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IhÀ tÌmdn COVER STORY
Fs¶ amänbXv amct¯m¬ k½m\n-¨ A¨S¡w F-Uv-KmÀ ]n-tâm, Im-in BÀ-«v I-t^, HmÄ-Uv lmÀ-_À tlm-«Â F-¶n-h-b-S-¡-ap-Å tlm-«Â, sd-kv-täm-dâv irw-J-e-bp-sS km-c-Yn
tem-I-¯n-se B-dv {]-ap-J am-c-t¯m-Wp-I-fm-b s_À-en³, tSm-¡n-tbm, e-|³, \yq-tbmÀ-¡v, jn-¡m-tKm, t_m-kv-ä¬ F-¶n-h hn-P-b-I-c-am-bn ]qÀ-¯n-bm-¡n-b B-Zy a-e-bm-fn
t^m
À-«v sIm-¨n-bnem-Wv Rm³ P-\n-¨p-h-fÀ-¶-Xv. ]n-Xm-hv tKm-h-¡m-c-\mWv. am-Xm-hv sIm-¨n-¡m-cn-bpw. ]Tn-¨-Xv C-hn-sS-bpw apw-ss_-bn-ep-sam-s¡-bm-bn. ]n-Xm-hv ku-Zn- A-td-_y-bn-em-bn-cp-¶p. ]Tn-¸v I-gn-ªv Rm-\pw ku-Zn-bn-te-¡v t]m-bn. A-hn-sS 20 hÀ-j-t¯m-fw F-® {]-Ir-Xn-hm-X-I ta-J-e-bn-se A-tacn-¡³ I-¼-\n-bn tPm-en sN-bv-Xp. tPm-en-bp-sS `m-K-am-bpw A-Ãm-sX-bpw tem-I-cm-Py-§Ä G-sd Rm³ k-µÀ-in-¨n-«p-|v. F-tâ-Xv a-säm-cp Po-hn-Xssi-en-bm-bn-cp-¶p. H-cp Zn-h-kw 30 kn-K-d-äv h-sc h-en-¡p-am-bn-cp-¶p. ku-Zn-bn F-¡m-e-hpw Xp-S-cm³ X-mÂ-¸-cy-an-Ãm-bn-cp-¶p. \m-«n dn-b F-tÌ-äv, tlm-kv-]n-äm-en-än cw-K-¯v \n-t£-]w \-S-¯nb-Xv A-§-s\-bm-Wv. `m-Ky-h-im ]n-¶o-Sv dn-b F-tÌ-än h-en-sbm-cp Ip-Xn-¸p-|m-bn. \½p-sS Po-hn-X-¯n F-t¸m-sg-¦nepw hn-c-k-Xbpw Hm-^v aqUp-sam-s¡ I-S-¶p-h-cmw. A-Xn-s\ Ip-S-sª-dnbm-\m-Wv BZyw Hm-Sm³ Xp-S-§n-bXv. B-bn-sS-bm-Wv ap-¯q-äv ^n-\m³-kv sIm-¨n-bn lm-^v am-c-t¯m¬ {]-Jym-]n-¡p-¶-Xv. \-½p-sS \m-«n H-cp am-c-t¯m¬ h-¶-t¸mÄ Hm-Sm-Xn-cn-¡p-¶-Xv i-cn-b-Ã-tÃm? aq-¶pam-kw ]-cn-io-e-\w sN-bv-Xp. Hm-Sn. ]n-s¶ Hm-«w F-sâ Po-hn-X-¯n-sâ `m-K-am-bn. A-tXm-sS Po-hn-X-¯n H-cp A-¨-S-¡w h-¶p.
Rm³ F-s¶ X-s¶ {i-²n-¡m³ Xp-S-§n. `-£-Ww \n-b-{´n-¨p. t\-c-s¯ D-d-§n t\-c-s¯ D-WÀ-¶v- Hm-Sm³ t]m-bn. F-Ãm-¡m-cy-§-fnepw A-¨-S-¡w. a-\-Ên kw-Xr-]v-Xn tXm-¶m³ Xp-S-§n. Hm-«w F-s¶ kw-_-Ôn-¨n-S-t¯m-fw F-¶n-te-¡p-Å bm-{X-bm-bn. F-sâ Im-gv-N-¸m-SpI-Ä am-dn. _n-kn-\-kn-epw A-tX-sd k-lm-bn-¨p. am-c-t¯m¬ A-t§-b-äw \n-Ý-b-ZmÀ-Vyw B-h-iy-s¸-Sp-¶ H-¶m-Wv. F-{X In-tem-ao-ä-dm-tWm \mw Hm-Sn-¯o-À-t¡-|-Xv A-Xv B-Zyw a-\-kn Ip-dn-¨p-sh-¨m-Wv Rm³ Xp-S-§p-I. A-Xn-\n-S-bn-se I-ã-X-IÄ H-¶pw HmÀ-¡n-Ã. P-bn-¡p-¶ \n-anj-¯n a-\-kn \n-d-bp-¶ B-Ëm-Z-hpw kw-Xr-]v-Xn-bpw am-{X-am-Wv D-ÅnÂ. _n-kn-\-kn F-´p-sN-¿p-t¼m-gpw B \n-an-j-s¯ hn-j-a-a-Ã, a-dn-¨v A-Xp-aq-ew t\-Sm³ t]m-Ip-¶ kw-Xr-]v-Xn- Im-Wm³ ]Tn-¸n-¨-Xv am-ct¯m-Wm-Wv. \-½p-sS Np-än-ep-ap-Å F-Ãm-h-tcm-Spw hn-\-bm-\zn-X-cm-Im³ am-c-t¯m¬ ]Tn-¸n-¨n-«p-|v. tem-I-¯n-se 19Hm-fw {]-ap-J am-c-t¯m-Wp-Ifn Rm³ ]-s¦-Sp-¯n-«p-|v. am-c-t¯m-Wn-epw _n-kn-\-kn-epw Rm³ a-\-kn-em-¡n-b H-cp Im-cyw im-co-cn-I £-a-X ]-co-£n-¡-s¸-Spw t]m-se X-s¶ am-\-kn-I-am-b I-cp-¯pw A-f¡-s¸-Sp-¶p-|v. H-cp L-«w I-gn-bp-t¼mÄ \-s½ \-bn-¡p-¶-Xv a-\-km-Wv. G-Xv {]-Xnk-Ôn-bn-epw a-\-kv e-£y¯n am-{Xw \mw D-d-¸n-¨v \nÀ-¯n-bm A-Xn-te-¡v F-¯n-s¸-Sp-I Xs¶ sN¿p-sa-¶m-Wv am-c-t¯m¬ th-Zn-IÄ F-s¶ ]Tn-¸n-¨-Xv. A-¨-S-¡w, \n-ÝbZmÀ-Vyw, {]-Xn-k-ÔnI-sf A-Xn-Po-hn-¡m\p-Å k-l-\-£-a-X, dn-tkm-gv-kp-I-sf I-cpXn D-]-tbm-Kn-¡m-\p-Å a-t\m-`m-hw C-sXm-s¡bm-Wv am-c-t¯m¬ F-\n¡v k-½m-\n-¨ _n-kn-\-kv ]mT-§Ä.
t]Pv 11 XpSˬ
h-sc. ]-e-cpw ]-e-t¸m-gpw B-Zyw tXmÂ-¡p-¶-Xv a-\-kn-em-Wv. dn-kv-IpÅ Im-cy-am-sW-¶-dn-bp-¶ L-«-¯n X-s¶ tXmÂ-hn k-½-Xn-¡pw. A-©v Un-{Kn-sb-¶v B-Zy-ta A-dn-ªn-cp-¶p-sh-¦n F-s¶-sIm-|v A-Xv ]-äp-tam-sb-t¶mÀ-¯v ]-cm-P-b-`o-Xn a-\-kn I-S-¶p-Iq-Sn-tb-s\. ]-t£ X-Wp-¸n-s\ sN-dp-¡m³ B-hp-¶-{X km-a-{Kn-IÄ Rm³ I-cp-Xn-bn-cp-¶p. dn-kv-Iv {]-Xo-£n-¨p. H-cp-¡w \-S-¯n. A-Xp-t]m-se _n-kn-\-kn-epw dn-kvIp-|v. A-Xn-te-¡v s]m-«-¡-®-s\ t]m-se F-Sp-¯p-Nm-Sp-I-b-à th-|-Xv. \n-§Ä-¡v km-[y-am-b-{X H-cp-¡w \-S-¯n, P-bn-¡p-sa-¶v D-d-¸n-¨p-X-s¶ t]m-cm-«-¯n-\n-d-§p-I. A-]-cn-Nn-X-ta-J-e-I-fn-te-¡v t]m-Ip-t¼mÄ th-|-{X H-cp-¡-§Ä \-S-¯n-bn-cn-¡-Ww. 3. F-t¶m-Sv X-s¶-bp-Å bp-²w: a-äm-cp-sS-bpw ap-¶n tXm-äv X-e-Ip-\n¡m³ C-ã-an-Ãm-¯ hy-àn-bm-Wv Rm³. F-sâ So-an-t\m-Sv F-t¸m-gpw ]-dbm-dp-|v, sX-äp-IÄ ]-c-am-h-[n H-gn-hm-¡-Ww. an-I-¨ {]-I-S-\w F-t¸m-gpw \-S-¯-Ww. \-½p-sS ho-gv-N-IÄ sIm-|v ¢-bân-\v ap-¶n X-e-Ip-\n-¡m³ ]m-Sn-Ãm-sb-¶v. Cu C-hân-\v t]m-Ip-t¼mÄ F-sâ ho-«p-Im-cpw k-l{]-hÀ-¯-I-cpw kp-lr-¯p-¡-fpw ¢-bâp-sa-Ãmw A-I-a-gn-ª ]n-´p-W \Â-In. A-h-À F-¶n \n-¶v ]-e-Xpw {]-Xo-£n-¡p-¶-Xp-t]m-se tXm-¶n. P-bw F-\n-¡-hn-sS sh-¨v D-¯-c-hm-Zn-¯-am-bn. A-h-cp-sS {]-Xo-£-IÄ Rm³ \n-d-th-ä-W-sa-¶-Xv I-S-a-bm-bn. kw-cw-`-I-\n \n-¶pw A-t±-l-¯n-\v Np-än-ep-ap-Å-h-À ]-e-Xpw {]-Xo£n-¡p-¶p-|v. Po-h-\-¡mÀ, C-S-]m-Sp-ImÀ, k-¹-bÀ-amÀ, {]-Xy-£-am-bpw ]-tcm-£-am-bpw kw-cw-`-I-s\ B-{i-bn-¡p-¶ Ip-Spw-_-§Ä F-Ãmw h-en-b {]-Xo-£ _n-kn-\-kp-Im-cn sh-bv-¡p-¶p-|v. G-sXm-cp a-Õ-c-¯n-epw H-cp ]-cn-[n-h-sc-bm-Wv im-co-cn-I £-a-X A-f¡p-¶-Xv. ]n-s¶ a-\-kn-sâ I-cp-¯m-Wv D-c-I-Ãv. kw-cw-`-s¯ G-Xv km-lN-cy-¯n-epw ap-t¶m-«p-sIm-|p-t]m-I-W-sa-¶v \mw Xo-cp-am-\n-¨m A-Xv \-S-¶n-cn-¡pw. G-ä-hpw \-à a-Õ-cw \mw \-t½m-Sv X-s¶ \-S-¯p-¶-Xm-Wv. ]n-_n]n-¡v H-cp-§p-t¼mÄ Rm³ sN-bv-X-Xpw A-Xm-Wv. F-sâ C-¶-e-s¯ {]-I-S-\-s¯ a-dn-I-S-¡p-I. Hm-tcm-cp-¯À-¡pw Hm-tcm kw-cw-`-¯n-\pw A-Xn-tâ-Xm-b ssi-en-bpw th-K-X-bp-ap-|v. A-Xv \mw A-\p-I-cn-¡-cp-Xv. ]-t£ A-h-cn \n-¶v \-à Im-cy-§Ä ]Tn-¡mw.
12
HIv-täm_À 31, 2019
[\w hyh-kmb hmWnPy ssZzhm-cnI
kwcw-`-IXzw
ENTREPRENEURSHIP
N¸m¯nbp≠m¡pw tdmt_m«v, Umä tiJcn¡pw SmKv
kvämÀ«¸pIÄ InSphmWv! tKm
-X-¼v am-hpw sh-Å-hpw H-gn¨m ]m-N-Iw sN-bv-X Nq-Sv N-¸m-¯n \Â-Ip-¶ Ipª³ tdmt_m«v, hy-h-km-b cw-K-¯v BÀ-«n^n-j Câ-en-P³kv D-]-tbm-Kn-¨v {]-hÀ-¯n-¡p-¶ \q-X-\ DÂ-¸¶-§Ä, sS-Iv-t\m-f-Pn XpS-§n H-«-\h-[n ]p-X-p-aI-fp-Å B-i-b-§-fp-am-bm-Wv ÌmÀ-«¸pIÄ AhcpsS G-jy-bn-se X-s¶ G-ä-hpw h-en-b k-t½-f-\-am-b l-Un tI-c-f 2019  F¯n-bXv. ta-f-bn {i-t²-b-am-b Nn-e DÂ-¸-¶-§Ä C-hbmWv:
#Dashboard
C
Chscms¡ tIcf¯nte¡v
Rotibot
tI-c-f-¯n-se ÌmÀ-«-]v ta-
Beacon Tag & Card dn-b ssSw {Sm-¡nw-Kn-\v D-]-tbm-Kn¡m-hp-¶ hy-Xy-kv-X lmÀ-Uv-sh-b-dpI-fm-Wn-h. C-hâp-I-fn-epw F-Iv-kn-_nj-\p-I-fn-ep-sam-s¡ ]-s¦-Sp-¡p-¶-h-sc {Sm-¡v sN-bv-Xv Um-ä ti-J-cn-¡m-³ C-Xv k-lm-bn-¡pw. kv-I-q-fp-IÄ-¡m-bn F-Uyq-¹-kv, ta-f-IÄ-¡m-bn C-hâv-¹kvv Xp-S-§n-b shÀ-j-\p-IÄ e-`y-am-Wv. P-¸m-\n-se A-t\-Iw C-hâp-IÄ-¡v C-h D-]-tbm-Kn-¨n-«p-|v. sIm-¨n-bn-se ]n³-ssa-t{Im F-¶ kv-ämÀ-«-¸m-Wv C-Xv hn-I-kn-¸n-¨n-cn-¡p-¶-Xv.
OBF App tjm-¸nw-Kv, tlmw kÀ-ho-kv, sem-t¡j³ {Sm-¡À, Fw-t¹m-bv-saâv, sl¯vv sI-bÀ, ImÀ _p-¡nw-Kv, t]-sa âvkv Xp-S-§n-b A-t\-Iw tk-h-\-§Ä H-scm-ä sam-_o B-¸n-eq-sS e-`y-am -¡p-I-bm-Wv OBF (One Big Family)
RELL Devices
\m-emw hym-h-km-bn-I hn-¹-h-¯n-te¡v hy-h-km-b ta-J-e-sb \-bn-¡m³ k-lm-bn¡p-¶ sF.H.Sn A-[nâÀ-s\-äv B³Uv sam-_o A-tkm-kn-tb-j³ HmjvTn-X DÂ-¸-¶-§-fpw ^v C-´y-bp-sS (sF.F.Fw.F.sF) k-l-I-c-Wsk-meq-j-\p-I-fp-am-Wnt¯m-sS tI-c-f kv-ämÀ-«-]v an-j-³ kw-L-Sn-¸n-¨ l-Un h. H-cp ^m-Î-dn-bn-se tI-c-fþ2019 cm-Pym-´-c Øm-]-\-§-fp-sSbpw \n-t£-]-Ihn-hn-[ sa-jo-\p-I-fp-sS cp-sSbpw km-¶n[yw sIm-|m-Wv {i-t²-b-am-b-Xv. tI-c-fw {]-hÀ-¯-\-s¯-¡p-dnC-¶-th-j-sâ H-cp sU-Ìn-t\-j-\m-bn am-dn-s¡m-|n-cn-¡p¨p-Å dn-bÂ-ssSw C³I-bm-sW-¶v D-Zv-LmS-\w \n-À-h-ln-¨ ap-Jy-a{´n ]n-W-dm^À-ta-j³ C-Xn-eq-sS bn hn-P-b³ ]-d-ªp. sIm-¨n B-Øm-\-am-¡n {]-hÀ-¯ne-`n-¡p-¶-Xn-\m D ¡p-¶ ko-hv sS-Iv-t\m-f-Po-kn \n-t£-]w \-S-¯p-sa-¶v Szn-äÀ k-l-Øm-]-I-\m-b -¸m-Z-\-£-a-X-s¡m-¸w {In-Ì-^À sF-k-¡v _n-tÌm¬ ho-Un-tbm tIm¬-^-d³-kn-eq-sS ]-d-ªp. s^-bv-kvsa-jo-\p-I-fp-sS km-t¦_p-¡v C-´y am-t\-Pnw-Kv U-b-d-Î-dpw ssh-kv {]-kn-Uâp-am-b A-Pn-Xv tam-l³, t]Xn-I t]m-cm-bv-a-I-fpw Sn-F-½n-sâ _nÂ-Uv t^mÀ C-´y X-e-h³ ku-c-`v sP-b³, sF.Sn sk-{I-«-dn- Fw. s]-s«-¶v a-\-kn-em-¡m-sain-h-i-¦À sF.F.F-kv, tI-c-f ÌmÀ-«-]v an-j³ kn.C.H-bm-b tUm.k-Pn tKm-]n-\m-Yv, ¶-Xm-Wv t\-«w. C³-UUn-¸mÀ-«v-saâv t^mÀ s{]m-tam-j³ Hm-^v C³-U-kv-{Sn Bâv C-tâW t{S-Uv tPm-bvâv kv-{Sn-sb Un-Pn-ssä-kv sk-{I-«-dn-bm-b- A-\n A-KÀ-hmÄ, sF.F.Fw.F.sF-bp-sS kn.C.H-bm-b Pn-tX-µÀ sN-¿p-¶ Cu DÂ-¸-¶F-kv. an³-lm-kv Xp-S-§n-b- \n-c-h-[n t]À hnhn-[ sk-j-\p-I-fn kw-km-cn¨p. eo-UÀ§Ä sI-m-¨n-bn-se RIOD jn-¸v tSm-Iv, _o-¨v- ssk-Uv l-UnÂ, kv-ämÀ-«-]v sU-tam Xp-S-§n-b B-IÀ-j-I-§-fm-b LOGIC F-¶ ÌmÀ-«-¸mA-t\-Iw ]-cn-]m-Sn-I-fm-Wv c-|v Zn-h-k-s¯ l-Un-en-sâ `m-K-am-bn A-c-t§-dn-b-Xv. Wv hn-]-Wn-bn- F-¯n¡p-¶-Xv.
ho-Sp-I-fn-se- sse-äv, ^m³, hm-«À loäÀ, In-¨¬ F-Izn-]v-saâv-kv, F.kn Xp-S-§n-b A-t\-Iw D-]-I-c-W-§-sf sam-_o B-¸v, Kq-KnÄ A-kn-Ìv F-¶n-h D-]-tbm-Kn-¨v \n-b-{´n-¡p-¶ DÂ-¸-¶-am-Wn-Xv. hn-Zq-c- Ø-e-¯n-cp¶v tlmw Hmt«m-ta-j³ kp-K-aam-bn \nÀ-Æ-ln-¡m-\m-Ip-sa-¶-Xm-Wv #Dashboard sâ {]-tXy-I-X. IoE cw-K¯v {]-hÀ-¯n-¡p-¶ D-Zp-aÂ-t]-«n-ep-Å lm-jv Hmt«m-ta-j³-kv F-¶ ÌmÀ-«-¸mWv Cu \q-X-\ DÂ-¸¶w hn-]-Wn-bn- F-¯n-¡p-¶-Xv.
H-cp `m-K-¯v tKm-X-¼v am-hpw sh-Åhpw H-gn-¨m a-dp-`m-K-¯v \n-¶pw Nq-Sp-Å N-¸m-¯n \Â-Ip-¶ Hmt«m-am-änIv N-¸m-¯n ta-¡nw-Kv sa-jo-\m-Wn-Xv. aq¶v t]-äâp-IÄ t\-Sn-b Cu D¸¶w ho-Sp-IÄ-¡v A-\p-tbm-Py-am-Wv. h³-tXm-Xn N-¸m-¯n \nÀ-an-¡p-¶-Xn\p-Å a-säm-cp tam-U-epw e-`y-am-¡n-bn«p-|v. sS-Iv-t\m-]mÀ-¡n-se C³-sP³ tdm-t_m-«n-Iv-kv F-¶ ÌmÀ-«-¸m-Wv Cu DÂ--¸¶-¯n-sâ \nÀ-am-Xm-¡Ä.
B-¸v sN-¿p-¶-Xv. hn-hn-[ B-h-iy-§Ä¡m-bn hy-Xy-kv-X B-¸p-I-sf D-]-tbmKn-t¡-| km-l-N-cyw H-gn-hm-¡p-¶p-sh¶-Xm-Wv OBF sâ {]-tXy-I-X. ssl-Zcm_m-Zn-se ÌmÀ-«-¸m-b sh-kn-tbm sS-Iv-t\m-f-Po-kv tem-©v sN-bv-X Cu B-¸v \m-ev am-k-¯n-\p-Ån ]-Xn-\mbn-c-¯n-te-sd Uu¬-tem-Uvkv t\-Sn-¡-gn-ªp.
J-e-bp-sS h-fÀ-¨-¡v k-lmb-I-c-am-b hn-[-¯n tI-c-f ÌmÀ-«-]v an-j³ l-Un tIc-f k-t½-f-\-¯n sh-¨v B-tKm-f Øm-]-\-§-fp-ambn [m-c-W-m-]-{X-§Ä ssIam-dp-I-bp-|m-bn. A-h-bp-sS hn-i-Zmw-i-§Ä Np-h-sS: $ Hm-t¸m þ C-hÀ tI-c-f¯n B-cw-`n-¡p-¶ K-th -j-W hn-I-k-\ tI-{µ¯n kv-ämÀ-«-¸p-IÄ-¡mbn ]-cn-io-e-\-hpw C³-Ipt_-j³ t{]m-{Km-ap-IÄ¡v th-| A-Sn-Øm-\ ku-I-cy-§-fpw k-Ö-am¡pw.
^u-t|$ hm-[zm-\n j³ þ C-hÀ \-S-¯p-¶ B-Iv-kn-e-td-j³ t{]m-{Kmap-IÄ h-\n-X-IÄ-¡pw kvämÀ-«-¸p-IÄ-¡pw sN-dp-InS C-S-¯-cw kw-cw-`-§Ä¡pw {]-tbm-P-\-s¸-Spw. $ HmÀ-_n-äÂ
ssa-t{Im kn-kv-äw-kv þ C-hÀ Xn-cp-
h-\-´-]p-c-s¯ kv-t]-bv-kv ]mÀ-¡n tem-tIm-¯-c \n-e-hm-c-¯n-ep-Å t¥m_ FÀ-¯v H-_v-kÀ-thj³ skâÀ Hm-^v F-Iv-ke³-kv Øm-]n-¡pw
[\w hyh-kmb hmWnPy ssZzhm-cnI
HIv-täm_À 31, 2019
13
kwcw-`-IXzw
ENTREPRENEURSHIP
]cmPb
kz`mhw ]Tn¡q...
_nkn\kv hÀ[n¸n¡q..!
F.BÀ c-Rv-PnXv
Hmtcm Po-h-\-¡m-c-sâbpw kz-`m-hw hn-i-I-e\w sN-bv-Xv {]-IS-\w sa-¨-s¸-Sp¯m³ Cu tam-UÂ ]-co-£n¡mw!
B
-´-cn-I-hpw _m-ly-hp-am-b H-cp-]äw L-S-I-§-fp-sS {]-`m-hw B-Wv H-cm-fp-sS kz-`m-h-s¯ \nÀ-W-bn-¡p-¶-Xv F-¶v- \-ap-¡-dn-bmw. A-¯-c-¯n B-fp-Ifp-sS kz-`m-hw \nÀ-W-bn-¡p-¶ L-S-I-§Ä F-s´m-s¡-bm-sW-¶v A-dn-bm³ I-gnªm H-cp-]-s£ A-h-cp-sS kz-`m-h k-hnti-j-X-I-fn am-ä-§Ä h-cp-¯m-\pw \-ap-¡v I-gn-tª-¡pw. _n-kn-\-kn-epw Po-hn-X-¯n-epw C-Xv h-f-sc A-Xym-h-iy-hpam-Wv. MARS Model of Individual Behaviour F-¶ am-t\-Pv-saâv tam-U D-]-tbm-Kn-¨v C-Xv Ip-sd¡q-Sn hy-à-am-bn a-\-knem-¡mw.
MOTIVATION H-cmÄ H-cp Im-cyw sN-t¿-| co-Xn, Xo-{h-X, CÑm-iàn F-¶n-h-sb-Ãmw Xo-cpam-\n-¡p-¶-Xv A-bmÄ-¡v e-`n-¡p-¶ {]-tNm-Z-\w B-Wv. Cu {]-tNm-Z-\w G -sX-¦n-epw H-cp Imcyw sN-¿p-¶-Xn A -bm-sf {]m-]v-X-\m-¡p¶p. i-cn-bm-b co-Xnbn Im-cy-§Ä ]-dªp sIm-Sp-¯pw, D-Zm-l-c-W-§Ä ImWn-¨pw, B-ß-hn-izm -kw hÀ-[n-¸n-¨pw H-s¡ C-Xv sN-¿mw. ]-e-t¸m-gpw Sow eoUÀ-amÀ D-]-tbm-Knt¡-| sS-Iv-\n-¡v Iq-Sn-bm-Wv C-Xv. ]p-d-¯p\n-¶p-Å {]-tNm-Z\-¯n-eq-sS B-cp-tS-bpw Xo-{h-X-bpw CÑm-i-àn-bpw hÀ-[n-¸n-¡m³ I-gn-bpw.
ABILITY kzm-`m-hn-I-am-bn \-½n-ep-|m-Ip-¶ I-gn-hpw, ]Tn-s¨-Sp-¯ sS-Iv-\n-¡p-I-fpw Hcm-fp-sS kz-`m-h-s¯-bpw tPm-en-bn D-Å A-bm-fp-sS {]-I-S-\-s¯-bpw kzm-[o-\n-¡p¶p. C-Xn-s\ X-s¶ \membn hn-`-Pn-¡mw. Aptitude: \-à co-Xn-bn {]-I-S-\w \-S-¯m-
\p-Å kzm-`m-hn-I-am-bp-Å I-gn-hm-Wn-Xv.
Learned capabilities: ]Tn-s¨-Sp-¡p-¶ I-gn-hp-IÄ, `m-j-IÄ, co-Xn-IÄ F-¶n-hsbm-s¡ C-Xn s]-Spw.
tPm-en-bn-ep-Å H-cm-fp-sS {]-I-S-\w hn-e-bncp-¯-s¸-Sp-¶-Xv. Cu \m-ep Im-cy-§-fn-epw i-cn-bm-b A-k-kv-saâvv \-S-¯n B-fp-I-sf sX-c-sª-Sp-¯m \-sÃm-cp So-an-s\ hmÀs¯-Sp-¡m³ I-gn-bpw.
ROLE PERCEPTIONS X-§-fp-sS G-Xv kz-`m-h k-hn-ti-jX-bm-Wv G-ä-hpw \-à dn-kÄ-«n-\p B-hiyw F-¶v- hy-à-am-bn a-\-kn-em-t¡-|-Xv B-h-iy-am-Wv. F-s´m-s¡ Sm-k-vIp-IÄ B-Wv sN-t¿-|-Xv, A-h-bp-sS {]m-[m-\yw F-´m-Wv, A-h-bv-¡v Hm-tcm-¶n-\pw th-| I-gn-hp-IÄ F-s´m-s¡-bm-Wv F-s¶m-s¡ a-\-kn-em-¡n th-Ww tPm-en ap-t¶m-«p sIm-|pt]m-Im³. C-Xn ho-gv-N kw-`-hn¡p-¶-Xv- sIm-|m-Wv ]-e-t¸m-gpw h-en-b \-ã-§Ä kw-`-hn-¡p-¶-Xv, \-sÃm-cp So-ans\ hmÀ-s¯-Sp-¡m³ I-gn-bm-sX t]m-Ip¶-Xv. A-Xn-\mÂ, Cu Im-cy-§-fn Hm-tcm Ìm-^n-\pw hy-à-X ]-IÀ-¶p sIm-Sp¡-Ww.
SITUATIONAL FACTORS ]-e-t¸m-gpw kml-N-cy-§Ä H-cm-fpsS {]-I-S-\-s¯-bpw kz-`m-h-s¯-bpw _m-[n-¡m-dp-|v. k-a-b ]-cn-an-Xn, So-an-se a-äp sa-¼ÀamÀ, _-P-äv, tPm-en sN-¿p¶ Ø-ew F-¶n-§-s\ \-½p-sS kzm-[o-\-¯n A-Ãm-¯ H-cp-]m-Sv Im-cy§Ä Cu K-W-¯n s]-t«-¡mw. Cu H-cp `m-Kw am-{Xw H-cp-]-s£ am-än-sb-Sp-¡m³ I-gn-ªn-sÃ-¶p h-cmw. ]-s£ a-äp aq-¶p Im-cy-§-fpw i-cn-bm-b s{S-bv\n-wKv C-S-s]-Sep-I-fn-eq-sS-tbm, B-i-b-hn-\n-a-b-¯n-eq-sStbm sa-¨-s¸-Sp-¯m³ I-gn-bpw. A-§-s\ h-cp-t¼mÄ km-l-N-cy-§-fpw \-ap-¡v A-\p-Iq-e-am-Ip-¶-Xv Im-Wmw! C-t¸mÄ X-s¶ \n-§-fp-sS Hm-tcm Ìm-^n-sâ-bpw H-cp MARS ANALYSIS sN-bv-Xp t\m-¡q. F-hn-sS-sbm-s¡-bm-Wv am-ä-§Ä th-|-Xv F-¶v- Xo-cp-am-\n-¡q. H-cp-]m-Sv ssh-Ip-¶-Xn-\p ap³-t] {]-I-S-\w sa-¨-s¸-Sp-¯q.
Competencies: hy-àn-]-c-am-b k-hn-ti-j-
X-IÄ, aq-ey-§Ä F-¶n-h
Match: H-cmÄ-¡v tN-cp-¶ tPm-en X-s¶ B-tWm F-¶v- D-d-¸n-¡Â C-h-sb-Ãmw tNÀ-¶m-Wv H-cp {]-tXy-I
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HIv-täm_À 31, 2019
(te-J-I³ {_-½ te-Wnw-Kv skm-eyq-j³-kn-sâ kn.C.Hbpw, 400e-[n-Iw I-¼-\n-I-sf hn-P-b -]m-X-bn F-¯n-¡m³ k-lm-bn-¨ am-t\-Pv-saâv I¬-kÄ-«âp-am-Wv. kw-i-b-§Ä ranjith@ bramma.in F-¶ sa-bv-en A-b-bv-¡mw)
[\w hyh-kmb hmWnPy ssZzhm-cnI
+
]mT§Ä
Poh\¡mÀ tdmt_m«Ã
AhÀ¡v thWw thdn« ssienIÄ I
¼\n-I-fp-sS ]-cm-P-b I-Y-IÄ ]-cn-tim-[n-¡p-t¼mÄ ]-e-t¸m-gpw {]-iv-\-am-bn Im-Wp-¶ H-¶m-Wv an-I-¨ lyq-a³ dn-tkm-gv-kn-sâ A-`m-hw. I-¼\n-IÄ ]-e-t¸m-gpw A-h-cp-sS {]-[m\ A-k-äm-b Po-h-\-¡m-sc a-d-¡p-¶p. i-¼-fw \Â-Ip-¶-Xp-sIm-|v Po-h-\¡mÀ I-ã-s¸-«v ]-Wn-sb-Sp-¡-W-sa¶m-Wv am-t\-Pv-saâv Nn-´n-¡p-¶-Xv. F-¶m a-\-kn-em-t¡-| H-cp Im-cy-apjm-Pn hÀ-Kokv |v. Po-h-\-¡mÀ tdm-t_m-«-Ã, A-hÀ-¡v {]-tXy-I ]-cn-K-W-\ \Â-I-Ww. 50 i-Xam-\-¯n Xm-sg Po-h-\-¡m-À am-{X-am-Wv i-¼-fw {]-[m-\- LS-I-am-bn I-cp-Xp-¶-Xv. an-I-¨ sXm-gn km-l-N-cyw, sXm-gn kp-c-£, sXm-gn kw-Xr-]v-Xn, sI-b-dnw-Kv am-t\-Pv-saâv F-¶nh-bv-¡m-Wv _m-¡n Po-h-\-¡mÀ {]m-[m-\yw \-Â-Ip-¶-Xv. lyq-a³ dn-tkm-gv-k-kn-\v h-f-sc {]m-[m-\y-ap-Å kÀ-hokv C³-U-kv-{Sn-bn {]-hÀ-¯n-¨n-cp-¶ H-cp Øm-]-\-¯n-sâ I-Y- ]-d-bmw. \-¶m-bn ap-t¶m-«p-t]m-bn-s¡m-|n-cp-¶ I-¼-\nbp-sS km-c-Yy-¯n-te-¡m-Wv ]p-Xn-b am-t\-Pv-saâv h-¶-Xv. ]pXn-b am-t\-Pv-saân-\v C³-U-kv-{Sn-sb Ip-dn-¨v th-|-{X {Km-lyap-|m-bn-cp-¶n-Ã. A-Xn-\m _n-kn-\-kv kp-K-a-am-bn \-S-¯nsIm-|p t]m-Im³ ]-g-b Po-h-\-¡m-sc B-{i-bn-t¡-|n h-¶p. F-¶m ]p-Xn-b am-t\-Pv-saâv Iq-Sp-X {]m-[m-\yw \Â-Inb-Xv A-h-tcm-Sv hn-iz-kv-X-X Im-Wn-¡p-¶, C³-U-kv-{Snsb-Ip-dn-¨v A-dn-hn-Ãm-¯ ]p-Xn-b Po-h-\-¡mÀ-¡m-Wv. \-à {]-hÀ-¯-\ -]-cn-N-b-apÅ ]-g-b Po-h-\-¡m-sc amt\-Pv-saâv ]-cn-K-Wn-¨n-Ã. ]-g-b Po-h-\-¡mÀ-¡v amt\-Pv-saân h-en-b ]n-Sn]m-sSm-¶p-ap-|m-bn-cp-¶n-à A-Xn-\m A-h-cp-sS {]-iv\-§Ä am-t\-Pv-saâv tI-«-Xp-an-Ã. am-{X-a-à am-t\-Pv-saânsâ k-t¸mÀ-«v C-Ãm-¯-Xn-\m aq-ey--h-¯m-b ¢-bvâ-p-IÄ-¡v tk-h-\w \Â-Im-\pw km-[n-¨n-Ã. C-§-s\ t]m-bm ¢-bâp-I-sf-bpw B-Xy-´n-I-am-bn X-§fp-sS tPm-en-bpw \-ã-s¸-Sp-sa-¶v a-\-kn-em-¡n-b ]-g-b Po-h-\¡mÀ H-¶n-¨v H-cp kp-{]-`m-X-¯n I-¼-\n hn-«p t]m-bn. ¢-bâpI-fp-sS hn-h-c-§-fpw a-äpw sIm-|p-t]m-hp-I-bpw ]p-Xn-b I-¼-\n cq-]-o-I-cn-¡p-I-bpw sN-bv-Xp. I-¼-\n-¡v h-en-sbm-cp B-LmX-am-bn-cp-¶p C-Xv. hn-iz-kv-X-sc-¶v am-t\-Pv-saâv hn-iz-kn-¨ ]p-Xn-b Po-h-\-¡mÀ-¡v Cu \o-¡w Xn-cn-¨-dn-bm\m-bnÃ. Cu km-l-N-cyw t\-cn-Sm-\m-bn am-t\-Pv-saâv ho-|pw Cu ta-J-e-bn bm-sXm-cp ap³-]-cn-N-b-hp-an-Ãm-¯ So-an-s\ \n-b-an¨v sX-äv ho-|pw B-hÀ-¯n-¨p. A-§-s\ _n-kn-\-kv \-ã-amIp-I-bpw ]-Xp-s¡ A-S-¨p ]q-«-s¸-Sp-I-bpw sN-bv-Xp. C-¶v B _n-kn-\-kv ]qÀ-W-am-bpw C-Ãm-sX-bm-bn.
Cu tI-kv ÌUn- ]Tn-¸n-¡p¶-Xv 1 Po-h-\-¡m-cp-sS {]m-[m-\y-s¯-¡p-dn-¨v- a-\-kn-em-¡p-I-bpw A-h-sc Np-a-X-e-tbÂ-¸n-¡p-I-bpw A-Xn-\-\p-k-cn-¨ thX-\w \Â-Ip-I-bpw th-Ww. sse³ am-t\-PÀ-am-cm-bn-«v icn-bm-b B-fp-I-sf i-cn-bm-b Ø-e-§-fn \n-b-an-¡-Ww. C-sÃ-¦n Øm-]-\-¯n-\p-Ån kp-c-£n-X-Xz-an-Ãm-bv-a-bpw Cu-tKm ¢m-jpw D-|m-Ipw. 2 F-Ãm X-e-¯n-ep-Å-h-sc-bpw DÄ-s¸-Sp-¯n kp-Xm-cy-am-b aoänw-Kp-IÄ \-S-¯p-I. sXm-gnÂ, s]-cp-am-ä A-[n-jvTn-X s{S-bv\-nw-Kp-IÄ \Â-I-Ww. 3 Øm-]-\-¯n \n-¶v ]n-cn-ªp t]m-Ip-¶-h-sc CâÀ-hyq sN-bv-Xv {]-iv-\-§-Ä I-s|-¯p-I-bpw A-h ]-cn-l-cn-¡pI-bpw th-Ww. Po-h-\-¡m-cp-sS {]-iv-\-§Ä cq-£-am-Ipw ap³-]v XoÀ-¸m-¡-Ww. (NmÀ-t«-Uv A-¡u-|âpw am-t\-Pv-saâv I¬-kÄ-«âp-am-Wv te-J-I³. Email:shaji@svc.ind.in, 9847044030)
kwcw-`-IXzw
ENTREPRENEURSHIP
Icp¯pä _nkn\kv _豈 krãn¡m³ \nba§Ä
5
_n-kn\-kv h-fÀ-¨-bv-¡v G-sd {]m-[m-\y-ap-Å _-Ô-§Ä F§s\ Du-«n D-d-¸n¡mw?
_n
-kn\-kv hn-P-b-¯n-sâ ASnØm-\ L-S-I-§-fn H-¶mWv I-cp-¯p-ä _-Ô§Ä. F-¶m C¯-cw _-Ô-§Ä kr-ãn-¡m³ G-hÀ¡pw km-[n-¡-W-sa-¶nÃ. \n-§-fp-sS _n-kn\-kv h-fÀ-¨-bv-¡v k-lm-b-I-am-Ip-¶ hy-àn-I-fp-am-bn Ip-d-ª k-a-b-¯n-\p-Ån Dujv-a-fam-b _-Ôw Øm-]n-¡m\pw A-Xv \n-e-\nÀ-¯m\pw D-]-I-cn-¡p-¶ A-©v Im-cy-§-fn-Xm
1
XpS-¡w {l-kz-am-bn-cn-¡Ww, kp-µ-chpw FÃmhcnepw Xm¸cyw P\n¸n¡p¶ Xc¯n {lkzambn cn¡Ww \n-§-fp-sS k-`m-j-W-¯nsâ Xp-S¡w. \n§-sf Ip-dn-¨v {]m-Yan-I-am-bn A-dn-tb|--Im-cy-§Ä DÄ-
s¡m-Ån-¨n-cn-¡Ww. D¯cw \ÂtI| ASnØm\ tNmZy§fnhbmWv; \n§Ä F´p sN¿p¶p?, Gähpw {][m\ambn, \n§sf _nkn\kv ]¦mfnbm¡m³ {iant¡|tXm/ \ma\nÀt±iw \St¯|tXm F´n\mWv?
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Bßhn-izm-kw thWw \ap¡v A\nhmcyamsbmcp IhNamWv Bßhnizmkw. aäp-Åh-sc AI-än \nÀ-¯p-¶Xpt]m-ep-Å i-co-c`m-j ]m-SnÃ. \n-§-fpam-bp-Å _-Ôw aq-ey-ap-Å-Xm-sW-¶v tXm-¶Ww. \n§Ä AkzØ\m bn ImWs¸SpIbmsW¦n AXv \n§fpsS CSs]Sens\bpw _m[n¡pw.
3
DÅS¡amWv cmPmhv BßmÀ°Xsb¶Xv
]et¸mgpw AhKWn¡s¸Sp¶ LSIamWv. \n§Ä hn]Wnsb Ipdn¨v KthjWw \S¯pItbm aÕc¯nsâ tXmXv hnebncp¯pItbm Asæn Nne \nt£]IÀ¡mbn P\§fn ]co£Ww \S¯pItbm sN¿pIbmsW¦n kv-{In]vän Dd¨p \n¡Ww. Hcp \nÀ±nã e£yw sh¨p sIm|mbncn¡Ww aoänwKn\v t]mtI|Xv. kw`mjW¯n \n¶v hyXnNen¡p¶Xv apjn¨n D|m¡nà ]t£ ]ckv]cw {]tbmP\{]Zamb hnjb§Ä NÀ¨ sN¿m³ kabw sNehnSpI.
4
anIs¨mcp t{imXmhmbncn¡pI ^e{]Zamb s\ävhÀ¡nw Kn\pÅ AfhptIm \à t{imXmhmbncn¡pI F¶XmWv. X§sf Bhiyaps|¶ tXm¶Â D|mIm³ Hmtcm a\pjy\pw sImXn¡p¶p. asämcmsf Adnbm³ HcmÄ BßmÀ°ambn Xm¸cyw Im«Ww. AhnsSbpÅhcn Gähpw Bthiw \ndbv¡p¶ tNmZy§Ä tNmZn¡pI. AhÀ AhchcpsS \nebn F¯nbsX§s\bmWv? AhchcpsS hyhkmb¯n BIrã cmbXv F§s\bmWv? icnbmb tNmZy§Ä tNmZn¡p¶XneqsS Ahsc Xr]vXns¸Sp¯m³ am{XaÃ, kw`mjW¯nsâ KXn \nb{´n ¡p¶Xn\pÅ Ahkchpw \n§Ä¡v \ÂIp¶p. tIÄhn¡mc\mbncn ¡pt¼mÄ AhÀ \ÂIp¶ hnhc§Ä {i²m]qÀhw tIÄ¡m³ XbmdmIpI. BZchv \ÂIpIbpw krãn]camb hnaÀi\§Ä¡v Ahkcap|m¡pIbpw
sN¿pI. A§s\ sN¿p¶XneqsS B IW£³ hnIkn¸ns¨Sp¡m³ km[n¡pIbpw B hyànbpsS a\Ên Cu kw`mjWw ambmsX InS¡pIbpw sN¿pw. ASnØm\ Xe¯n CXv Hcp Dt±iyt¯mSv IqSnbpÅ kzm`mhnI kw`mjWamWv.
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s\ävhÀ¡nwKn\v tijw aXn bmb t^mtfm A¸v \S¯pI _nkn\kv ImÀUpIÄ ssIamdp ¶Xv ]cnNb¯nepÅhÀ¡v amkv sabv-epIfpw kv]mapIfpw Ab¡p¶ Xn\pÅ D]m[nbÃ. aoänwKv Ignªv 48þ72 aWn¡qdn\pÅn t^mtfm A¸v sN¿p¶ s{]m^jWepIÄ¡v Uo sNbvXv Ahkm\n¸n¡p¶ Xn\pÅ anI¨ Ahkcw AXv \ Ip¶p. \n§fpsS Bib§Ä a\ Ênem¡p¶Xn\pw Nn´n¡p¶Xn\p ambn Ipd¨p kabw AhÀ¡v \ÂIpI. _豈 hnPbIcamb _nkn\kn s\ \bn¡p¶ Hcp temI¯v s{]m^ jW Bibhn\nabw Akm[mcW amb ImcyaÃ. _Ô§fn \n¶v Fs´¦nepw t\«w D|m¡pI F¶Xnep]cn BßmÀ°amb _Ôw hnIkn¸ns¨Sp¡p¶XnemWv {i² bqt¶|Xv. Cu coXnbn kw`mjWw Xr]vXnIcambn XpScm\mIpw. AXnsâ ^ew \n§Ä¡v _Ôw Ds|¶v tXm¶p¶ BfpIfpsS s\ävhÀ¡v krãn¡m\mhpw F¶XmWv. (tkm-jy FâÀ-{]-Wdpw _n-kn\kv Hm-¸À-Nyq-Wn-äo-kv ¢-_n-sâ k-l-Øm-]I-\pamb AKvv-\-tem-cm-tP-jv A-ssX-tUbm-Wv te-JI³)
[\w hyh-kmb hmWnPy ssZzhm-cnI
HIv-täm_À 31, 2019
15
hnP-b-IY
SUCCESS STORY
KuXw tat\m³
\nÊmcaà Cu t\«w _lp-cm-{ã h-¼-·mÀ A-c-§p-hm-gp-¶ cm-Pym-´-c dw hn-]-Wn-bn-te-¡v C-´ybp-sS A-`n-am-\w D-bÀ-¯n-¸nSn-¡m³ \q-X-\am-b B-ib§-tfm-sS tIc-f-¯n \n-s¶m-cp bp-hmhv [\w \yqkv _yqtdm
Ku
Xw ta-t\m-\v H-cp kz-]v-\-ap-|m-bncp-¶p. ]u-cmWn-I `m-c-X-¯n-sâ {]u-Vn \n-d-bpw d-½n-sâ IY tem-I-tcmSv ]-d-bWw. AXpw a-ämcpw ]-d-bm-¯ hn-[-¯nÂ. Xn-cp-hn-ezm-a-e-bv-¡-Sp-¯p-Å ]m-¼m-Sn-bn \n-¶v tem-I-¯n-se 53 te-sd cm-Py-§-fn-te¡v sshÂ-Uv ssS-KÀ {_m³-Up-am-sb¯n Ku-Xw ta-t\m³ B I-Y C-Xph-sc ]d-ªp I-gn-ªp. H¸w C-\n-bp-tasd cm-Py-§-fn-te-¡v ]-X-sªm-gpIm\pw X-¿m-sd-Sp-¡p-¶p. sshÂ-Uv ssS-KÀ dw t_m-«nen-sâ cq-]-IÂ-¸-\ ap-X amÀ-¡änw-Kn h-sc-bp|v "Hu«v Hm-^v Zn t_m-«nÂ' Nn-´IÄ. I’m only 37 years young F-¶v ]d-ªv \nd-ªv Nn-cn-¨v H-cp D-Õ-h-N-´-¯n kwkm-cn-¡p-¶ Ku-Xw ta-t\m³ P-\n ¨-Xv _n-kn\-kv Ip-Spw-_-¯nemWv. A-ѳ tam-l³ ta-t\m³ Ip-ssh-änepw tamkv-tIm-bnepw
e-|-\n-ep-saÃmw _n-kn\-kv ]-Sp-¯p-bÀ-¯n-b, ]m-¼m-Sn-bn-se F-kv-UnF-^v Un-kv-änedn-bp-sS km-c-Yn-. Ku-X-an-\v Ip-Spw-_ _n-kn-\-kn-sâ `m-Kam-Im³ BZyw XmÂ-¸-cy-anÃm-bn-cp-¶p-sh-¦nepw ]n-Xm-hn-sâ A-kpJ-s¯ Xp-SÀ-¶v ]-t£ A-Xv th-|n-h¶p. F-¦n-epw X-\n-¡v tem-I-t¯m-Sv ]-d-bm-\p-Å Imcyw C-X-sö t_m-[yap-|mbn-cp¶p. F-«p hÀ-j-t¯m-fw tem-I-¯n-sâ hnhn-[ `m-K-§-fn \-S-¶ {Un-¦v-kv C-hâp-Ifn-seÃmw kw-_-Ôn¨p. en-IzÀ C³-U-kv-{Sn-bpam-bn _-Ô-s¸-« {l-kz-Im-e tIm-gv-kp-IÄ sN-bvXp. Châv am-t\-Pv-saânepw ]-»n-Iv dn-te-j³-knepw am-tÌ-gv-kv Un-{Kn-sbSp-¯p. apwss_ B-Øm-\-am-bp-Å {]ap-J Châv am-t\-Pv-saâv I-¼-\nbn c-|p-hÀ-j-t¯mfw tPm-enbpw sN-bvXp. ""C-¡m-e-b-f-hn-em-Wv F-sâ te-Wnw-Kv \-S-¶Xv. dw DÂ-¸m-Z-\-¯n-sâ Im-cy-¯n `m-c-X-¯n-\v {]u-Vam-b H-cp ]m-c-¼-cy-aps|-¶v dn-kÀ-¨n \n-¶v hy-àambn. tem-I-¯n-sâ hn-hn-[ `m-K-§-fn-se e-t_m-d-«-dn-I-fn \n¶pw ^m-an-en Un-Ìn-edn-I-fn \n-¶pw 500te-sd dw C-Xn-\nsS tS-Ìv sN-bvXn-cp¶p. Cu bm-{X-Ifpw A-\p-`-h-§fpw A-dn-hp-I-fpam-Wv sshÂ-Uv ssS-KÀ dw F-¶ DÂ-¸-¶-¯n-te-bv-¡v \-bn-¨Xv,'' Ku-Xw ta-t\m³ ]-d-bp¶p. tem-I-¯n-se {] ap-J {Un-¦v-kv C-hâp-I-fn Øn-c-km-¶n-[y-am-b Ku-Xw H-cp Imcyw {]-tXy-Iw {i-²n-¨n-cp¶p. F-hn-sSbpw C-´y-bp-sS A-`n-am-\w D-bÀ¯n-¸n-Sn-¡p-¶ H-cp {_m³-UnÃ. sshÂ-Uv ssS-K-dn-s\ {]o-an-bw {_m³-Um-bn A-h-X-cn-¸n-¡m³ {]-tNm-Z-\-am-bXpw Cu L-S-I-am-Wv.
-Kn-\n À m _ t w e w o p ¡ b m h \ t â m s \ F w, Rm³ hà hm-§p
ssS-Kdpw d½pw ]n-s¶ KÀ-Ö-\hpw sN-¿p¶- F-´n-epw \Ã-Xn-sâ H-cp kv-]À-iw th-Wsa-¶ B-i-b-am-Wv Ku-X-an-\p-ÅXv. ""km-aq-ly hn-]-¯mIm-sX km-aq-ly {]-Xn-_²-X-tbmsS Cu _n-kn\-kv sN-¿m-³ ]äp-tam-sb-¶m-Wv Rm³ Nn-´n-¨Xv.'' sshÂ-Uv ssS-KÀ F-¶ {_m³-Uv \m-aw kzo-I-cn¨-t¸mÄ sN-¿p-¶ _n-kn-\-kn-sâ \n-Ýn-X- i-X-am-\w I-Sp-h-I-fp-sS kw-c£-W-¯n-\p-ÅXpw A-Xn-\p-Å A-h-t_m-[w ]-I-cp-¶-Xpam-b ]-²-Xn-IÄ-¡v \o-¡nsh-bv-¡-W-sa-¶v D-d-¸n-¨n-cp-¶p. km-aq-ly {]-Xn-_-²X-bn-eq-¶n-th-Ww F´pw F-¶ Nn-´ Po-h-\-¡m-sc \n-b-an-¡p-¶-Xn ap-X te-_-enw-Kn h-sc ]pXpa sIm-|p-h-cm³ Ku-X-an-s\ k-lm-bn¨p. sshÂ-Uv ssS-K-dn-sâ ]-«m-¼n-bn-se ¹mân `q-cn-`m-K-hpw h-\nXm Po-h-\-¡m-cmWv. sshÂ-Uv ssS-K-dn-sâ t_m-«n do-ssk-¢nÄ sN-bv-X ¥m-kn-em-Wv \nÀ-an-¨n-cn-¡p-¶Xv. te-_-enw-Kv dossk-¡nÄ sNbv-X t]-¸-dn-epw. C-´y-bpsS tZio-b ar-Kam-b I-Sp-h-I-fp-sS kw-c-£-W-¯n-\m-bn sshÂ-Uv ssS-KÀ ^u-t|-j\pw Ku-Xw Xp-S-¡-an-«p. Cu ^u-t|j-sâ ^-|v k-am-l-c-W-¯n-\m-bn A-Sp¯n-sS ]-d-¼n-¡p-fw ap-X {^m³-kn-se Im³ h-sc \o-fp¶ t_m-[-h¡c-W "KÀ-Ö-\-bm-{X' kp-lr-¯v t]mÄ tPmÀ-Pp-am-bn tNÀ-¶v Ku-Xw \-S-¯n. 65 Zn-h-k-
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HIv-täm_À 31, 2019
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c-fw Sq-dn-k-¯n-sâ Im-cy-¯n ssZ-h-¯n-sâ kz-´w \m-Sm-sW-¦n _n-kn-\-kn-sâ Im-cy-¯n Devil's backyard B-sW-¶v Ku-Xw ta-t\m³. sshÂ-Uv d-½n-sâ t]-cn F-Iv-ssk-kv h-Ip-¸pam-bn \-S-¡p-¶ tI-kp-I-fmWv Cu bp-h kw-cw`I-s\ C¯-c-sam-cp A-`n-{]m-b- {]-I-S-\-¯n-te-¡v \-bn-¨Xv. ""F¶pw shÃp-hn-fn-I-fmWv. FIv-ssk-kv h-Ip-¸n C-t¸mgpw te-_-enw-Kn-sâ Im-cy-¯n ]-g-©³ N-«-amWv. hn-tZ-i-t¯-¡v Ib-än A-b¡p-¶ DÂ-¸-¶-¯n-sâ ]pd-¯v ap-gp-¯ A-£-c¯n a-e-bm-f-¯n ap-¶-dn-bn-¸v \Â-I-W-sa-¶v ]-d-bp¶-Xv F-´v A-kw-_-Ô-amWv. P-¸m³ Imc-\v A-Xv hm-bn-¡m³ ]äp-tam? hn-tZi-¯v t_m-«n-en X-s¶-bm-Wv C-t¸mÄ te-_-enwKv. A-sXm¶pw \-½p-sS \m-«p-ImÀ A-dn-bp-¶nÃ. C-hn-sS hn¡p-¶ DÂ-¸-¶-§Ä-¡v t]mtc Cu \n-b-a-§Ä. tIm-S-Xn-bn tI-kv \-S-¡p-I-bmWv. A-Xn-\pth-|n k-a-bhpw ]-Whpw G-sd sN-e-hmWv. F-sâ h-¡o ew-t_mÀ-Kn-\n hm-§pw. Rm³ hà \m-t\m-bnepw \-S-t¡-|n h-cpw.'' Ku-Xw ]-d-bp¶p.
§-fn 25 cm-Py-§-fn-eq-sS 25,000 In-tem-ao-ädm-Wv C-hÀ k-©-cn-¨-Xv.
Ip-¸n-¡p-Ånepw ]p-d¯pw ]pXpa sshÂ-Uv d-½nsâ Hm-tcm t_m-«nepw I-Sp-h-bp-sS tXmen-t\m-Sv k-am-\am-b Ip-¸m-b-a-Wn-ªv, I-Sp-hm ] Ãn-sâ amXr-I I-gp-¯n NmÀ-¯n-bm-Wv hn-]-Wn-bn-se¯p-¶Xv. Ip-¸n-bv-¡p-Ånepw k-hn-ti-jam-b DÂ-¸-¶am-Wv Ku-Xw Im-¯p-sh-¨n-cn-¡p-¶-Xv. sam-fm-kkpw I-cn-¼n³ Pyq-kpw tbm-Pn-¸n-¨p-Å an-{i-Ww c-|p ap-X A-©p hÀ-jw h-sc A-ta-cn¡³ Hm-¡v a-c-_m-c-en aqs¸-¯n-¨m-Wv sshÂ-Uv dw t_m-«n-en \n-d-bp-¶Xv. Ata-cn-¡, Im\-U, {_n«³, {^m³kv, lw-Kdn, ssk-{]kv, sN-¡v dn-¸-»nIv, sU-·mÀ-¡v Xp-S-§n 53 cm-Py-§-fnepw C-´y- DÄ-¸-sS-bp-Å cm-Py-§-fn-se Uyq-«n s]-bv-Uv tjm¸p-I-fnepw sshÂ-Uv ssS-K-À C-t¸mÄ e-`y-amWv. CâÀ\m-j-W Uyq-«n s]-bv-Uv tÌm-dp-I-fn-se G-I C-´y³ {]o-an-bw dw {_m³-Um-bn C-Xv am-dn-¡-gnªp. C-Xph-sc kz-´w ^-|pw _-Ô-§fpw D-]-tbm-Kn-¨v h-fÀ¶ sshÂ-Uv d-½n-s\ tX-Sn ]-e ss{]h-äv C-Izn-än Øm-]-\-§fpw F-¯n-bn-«p|v. ""h-fÀ-¨-bv-¡v C-Xphsc HmÀ-Km-\n-Iv dq«m-Wv D-]-tbm-Kn-¨Xv. C-\n ]p-d-¯p-\n¶p-Å ^-|v k-am-l-cn-¨v A-Sp-¯ X-e-¯n-te-¡v t]m-Im-\m-Wv Xo-cp-am-\w,'' Ku-Xw ]-d-bp¶p.
RETAIL
dosäbvÂ
FACE
RETAIL
Bßhnizmkapï,v F´pw hnägn¡msa¶v! C-
e-t{Îm-Wn-Iv-kv, Kr-tlm-]-I-c-W hn-]-W-\ ta-J-e-bnse ap³\nc Øm-]-\-am-Wv \n-£m³ C-e-t{Îm-Wn-Iv-kv. h-S-t¡ a-e-_m-dn-sâ {]n-b-s¸-« Øm-]-\-am-bn h-fÀ-¶ \n-£m-\v C ¹m-\-äv F-¶ t]-cn I-®qÀ, Im-kÀ-tIm-Sv, tIm-gn-t¡m-Sv Pn-Ã-I-fn-se sN-dp ]-«-W-§-fn 15 Hm-fw tjm-dq-ap-I-fp-|v. tI-c-f-¯n-se Cu ta-J-ebn-se G-ä-hpw h-en-b tjm-dq-am-b tIm-gn-t¡m-s« C-lw Un-Pn-ä a-e-_mÀ {Kq-¸p-am-bn tNÀ-¶p-Å kw-cw-`-am-Wv. tIm-«-¡-en-epw Xn-cph-\-´-]p-c-¯pw im-J-I-fp-Å Øm-]-\w tI-c-f-¯n-\v ]p-d-t¯-¡pw h-fÀ-¶p sIm-|n-cn-¡p-¶p. do-sä-bv ta-J-e-bn hn-P-b-¯n-sâ ]p-Xp am-Xr-I-IÄ kr-ãn-¨ \n-£m³ C-e-t{Îm-Wn-Iv-kn-sâ amt\-Pnw-Kv ]mÀ-Sv-Wdpw C-lw Un-Pn-ä am-t\-Pnw-Kv U-b-d-Iv-ä-dpamb Fw Fw hn sam-bv-Xp kw-km-cn-¡p-¶p
1
3
]p-Xp-a-I-fm-Wv ssh-äv Kp-Uv-kv ta-J-e-sb \n-e-\nÀ-¯p¶Xv. A-Xv \n-£m\pw ]n-´p-S-cp¶p. ap-¼v sNdn-b hn-e-bv-¡v e-`n-¨n-cp¶-Xv sNdn-b {_m³-Up-I-fm-sW-¦n C-¶v {]ap-J {_m³-Up-I-fp-sS DÂ-¸-¶-§Ä Xm-c-X-tay-\ Ip-d-ª hn-ebv-¡v e-`n-¡p¶p. A-Xv s]m-Xp-hn Kp-Ww sN-bv-Xn-«p|v. A-Xn-\p ]pd-ta D-]-t`m-àm-¡Ä-¡v an-I-¨ ^n-\m³-kv ku-Icy-§Ä \ÂIn. Uu¬ t]-bv-saâv CÃm-sX X-s¶ \n-£m³ A-hÀ-¡m-bn C-Fw-sF ku-Icy-sam-cp¡n. I-¼-\n-IÄ \Â-Ip¶ hm-dân-¡p ]pd-ta A[n-I hÀ-j hmdân Hm-^À sN-bvXp. sam-_o t^m-Wp-IÄ-¡v kz-´w \n-e-bn kv-{Io³ s{]m-«£³ I-h-td-Pv \ÂIn. k-½m-\-§Ä \Â-Ip-¶-Xn-\p ]I-cw C-¯-c-¯n D-]-t`m-àm-hn-\v B-h-iy-amb-Xv \Â-Im³ {i-an¨p. {_m³-Up-I-fp-sS hn-izmkw t\-Sn-sb-Sp-¡m\pw Øm-]-\ -¯n-\v I-gnªp. ]-e DÂ-¸-¶-§-fp-sSbpw tI-c-f-¯n-se tem-©v \-S-¡p¶-Xv \n-£m-\n-emWv. -F´pw hn-ä-gn-¡m-sa-¶ B-ß-hn-izm-kw R-§Ä-¡p|v. ]-e Im-cy-§-fnepw B-Zy -Øm-\-¡m-cm-hp-¶Xpw C-XpsIm-|p X-s¶-bmWv.
4
Fw Fw hn sam-bv-Xp
F-´m-Wv ssh-äv Kp-Uv-kv hn-]-Wn-bn-se ]pXn-b {]-h-W-X-IÄ?
G-ähpw hen-b am-ä-§Ä \-S-¡p-¶ ta-J-e-bm-WnXv.
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F-§s\ H-cp do-sä-bv-eÀ-¡v hn-P-bn-¡m-\m-Ipw?
Hm¬-sse³ `oj-Wn G-ä-hp-a-[n-Iw _m-[n-¡p-I {_n-Iv- B³-Uv tamÀ-«mÀ tjm-dq-ap-I-sf-bmWv. A-Xv a-dn-I-S-¡m-\m-bn an-I¨ tjm-¸nw-Kv A-\p-`-hhpw kÀhokpw \Â-IWw. Kr-tlm-]-I-c-W-§-fp-sS G-ähpw hen-b t\-«-sa¶Xv Hm-¬-sse-\n \n-¶v hm-§p-¶-Xnt\-¡mÄ B-fp-IÄ ap³-K-W-\ \ÂIp-I k-ao]-s¯ tjm-¸p-IÄ-¡m-Wv F-¶-XmWv. hnÂ-¸-\m\-´-c tkh-\w F-§s\ \Â-Ip-¶p F-¶-XmWv Cu ta-J-e-bn \n-§-fp-sS `m-hn \n-Ý-bn-¡p-I. C-t¸mÄ hn-e-¡p-d-hv tjm-dq-ap-I-fnepw \Â-Im-\m-hp-¶p F¶-Xv t\-«-am-Wv.
F§s\-bm-Wv \n-£m³ ap-t¶-äw km-[y-am-¡p-¶-Xv?
2
Hm-tcm DÂ-¸-¶-§-fp-sSbpw ^o-t¨-gv-kv am-dn-s¡m-|ncn-¡p¶p. A-h A-]v-tU-äv sN-bv-Xp sIm-|n-cn-¡p¶p. I-¼-\n-IÄ X-½n C-Xn-sâ t]-cn-em-Wv a-Õcw. henb tXm-Xn BÀ & Un hn-`mKw Hm-tcm-cp-¯À-¡p-ap|v. Hm^o-kn \n-¶v \n-b-{´n-¡m-hp-¶ F-knbpw {^n-UvPpsam-s¡ tI-c-f-¯n t]mepw hym-]-I-ambn. Iw-]yq-«-dn\v ]I-cw sh-¡m-hp-¶-h-bm-bn Sn-hn. Sn-hn-bp-sS hnÂ-¸\-bn sN-dn-b-h-bv-¡v Un-am³-Uv Ipd-ªp F-¶-Xm-Wv a-säm-cp Im-cyw. 32 C-©v Sn-hn F-Sp-¯n-cp-¶-hÀ C-t¸mÄ 40þ43 td-©n-se¯n. hn-e Ipd-ªp F-¶-Xm-Wv C-Xn-\v {][m-\ Im-cWw. G-Xp DÂ-¸-¶hpw hn-ä-gn-¡m-hp-¶ hn-]-Wn-bm-bn tIc-fw amdn. cm-Py-¯v B-Zy-am-bn kmw-kw-Knsâ 8k Sn-hn hnä-Xv \n-£m-\n-emWv. am-µyIme-¯v C¯-cw hn-e IqSn-b DÂ-¸-¶-§Ä hn-äp t]m Iptam F-¶ tNm-Zy-¯n-\v I¼-\n am-t\-Pv-saâv am-[y-a§Ä-¡v ap-¶n Nq-|n-¡m-«nb-Xv tI-c-f-¯n-se \n-£m³ Ce-t{Îm-Wn-Iv-kn-s\-bm-Wv.
\n-£m-s\ D-]-t`m-àm-¡ -fp-sS {]n-b-s¸-« C-S-a-m-¡n am-äp¶-Xv F-§s\-bm-Wv?
H-cp _-Ôp-ho-«n F-¯p-¶ {]-Xo-Xn -bm-Wv \n-£m-\n Hmtcm D-]-t`m-àm-hn-\pw e-`n¡p-I F-¶v D-d-¸m-¡pw. hy-àn-]-c-am-bn ]-cnK-W-\ \Â-In A-hÀ-¡v B-h-iy-apÅ-Xv an-I-¨ hn-e-bn e-`y-am-¡pw. am-{XaÃ, G-Xv DÂ-¸-¶-am-Wv A-hÀ-¡v tbm-Pn-¡p-I-sb-¶v I-s|-¯n \-½Ä X-s¶ an-I-¨ D¸-¶w \nÀ-tZ-in-¡pw. a-än-S-§-fn e-`y-aÃm-¯-hbS¡w FÃm {_m³-Up-I-fp-sSbpw hn-]p-e am-b tiJ-cw C-hn-sS-bp|v. G-ähpw Ip-d-ª \n-c-¡n Xp-S-§n B-Uw-_-c ]qÀ-W-amb-Xv hsc. a-äp PnÃ-I-fn \n-¶p t]mepw D-]-t`m-àm -¡Ä \n-£m-s\ tX-Sn-sb-¯p¶Xpw C-sXm-s¡ sIm-|m-Wv.
Outsourcing all accounting and statutory matters
RHO consulting team will takeover your load and responsibility to keep all your accounting updated for smooth accounting, banking, tax payments, billing, recovery of dues, payroll, audits, overall tax compliance load etc.
Our operation model l
OUTSOURCING THE MANTRA FOR COST SAVINGS AND EFFICIENCY
Team supervised and guided by experienced chartered accountants will take care of all accounting and statutory functions, like your ‘in-house’ team. l Deliverables via e-mail phone and internet use. l Assistance during statutory audit for annual / periodical audits of accounting. l Periodical updates on all accounting and tax data which can be accessed at any time desired. l Dedicated account manager for each client and monthly catch-up meeting with the top management.
Quality Accounting, statutory compliance and guaranteed services at affordable costs Contact us for a detailed feasibility study and proposal
info@rhoconsulting.in www.rhoconsulting.in +91 98470-83034 +91 82812-93167
What you gain
Greater focus on your core business by out-sourcing routine activities and cost savings up to 40% l Timely compliance of statutory matters like GST, IT, TDS etc. monthly, quarterly and annual l Savings by prevention of fine, penal interest, penalty and other consequences of non compliance l Timely, periodic, authentic and meaningful Management Information System (MIS) for optimal business decisions. l 24/7 offsite support for any clarification in relation to accounting and tax outsourcing l Better control over systems and reduction in chances of internal fraud or leakages
l
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HIv-täm_À 31, 2019
17
hyh-kmbw INDUSTRY
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sI.hn t{]w-cmPv
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-Py-¯n-sâ km-¼-¯n-I h-fÀ-¨ bm-YmÀ-°y-am¡p-¶-Xn-epw sXm-gn-e-h-k-c-§Ä kr-ãn-¡p-¶-Xnepw \nÀ®m-b-I L-S-I-sa-¶ \n-e-bn sh-Ån-sh-fn¨-¯n-em-Wv Fw-F-kv-Fw-C ta-J-e. h-cpw-Zn-\-§-fn hn-]p-e-am-b kÀ-¡mÀ ]n-´p-W-tbm-sS Cu cw-K-¯v [m-cm-fw IÀ-½-]-cn-]m-Sn-I-fp-|m-Ip-sa-¶p {]-Xo-£n-¡s¸-Sp-¶p. F-¶m Cu ta-J-e-bn-se bq-Wn-äp-I-fp-sS \n-e-\nÂ-¸pw A-`n-hr-²n-bpw hm-bv-]m sN-e-hp-am-bn A-t`-Zy-am-bn _-Ô-s¸-«n-cn-¡p-¶p. hn-hn-[ hn-`m-K-§-fn-em-bn en-Ìv sN-bv-X-Xpw en-Ìv sN-¿m-¯-Xp-am-b 15000 ¯n-e-[n-Iw Fw-F-kv-Fw-C bq-Wn-äp-I-sf ]-s¦-Sp-¸n-¨p \-S-¯n-b H-cp kÀ-th-bn hy-à-am-b-Xv, D-bÀ-¶ ]-en-i Im-c-Ww Fw-F-kv-FwC-IÄ-¡p-Å _m-¦v hmbv]Ip-d-ªp h-cp-¶ {]-h-W-Xbp-Å-Xm-bm-Wv. hm-bv-]-sb-Sp-¡p-¶-Xn-\p-Å sN-e-hv bq-Wn-äp-I-fp-sS em-`-£-a-X-sb h-f-sc-b-[n-Iw kzm-[o-\n-¡p-¶p. D-bÀ-¶ ]-en-i \n-c-¡v _n-kn-\-kv {]-hÀ-¯-\-s¯ a-µ-K-Xn-bn-em-¡p-¶p-|v; A-Xp-h-gn em-`-£-a-X-bpw Ip-d-bp-¶p. D-bÀ-¶ ]-en-i-\n-c-¡v X-s¶-bm-Wv hm-bv-]-I-fpw A-Uzm³-kpw Xn-cn-¨-S-bv-¡p-¶-Xn ho-gv-N kw-`-hn-¡p-
HIv-täm_À 31, 2019
MSME ¢n\nIv 5
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18
Cu-Sm-¡p-¶ ]-en-i-\n-c-¡v D-bÀ-¶-Xm-sW-¦nÂ, Ip-d-ª \n-c-¡p-Å a-äv D-d-hn-S-§-fn \n-¶v [-\k-lm-bw tX-Sm³ bq-Wn-äp-IÄ {ian-¡Ww.
[\w hyh-kmb hmWnPy ssZzhm-cnI
¶-Xn-\p ]n-¶n-se {]-[m-\ Im-c-W-§-fn-sem-¶v. h-en-b ]-en-i \Â-In hm-bv-]-sb-Sp-¯p \-S-¯p-¶ \n-t£-]§-fn-t·-ep-Å h-cp-am-\w Xm-c-X-tay-\ ZpÀ-_-e-am-bncn-¡pw. hn-P-b km-[y-X Xm-gv-¶p-\nÂ-¡-th ap-§n¯m-g-cp-sX-¶p \nÀ-_-Ô-ap-Å kw-cw-`-IÀ-¡p ap-¶n D-bÀ-¶ ]-en-i-\n-c-¡v {]-Xn-_-Ô-am-bn \nÂ-¡pw.
t\Smw ]en-i Ip-d-ª hmbv] Fw-F-kv-Fw-C D-]-t`m-àm-¡Ä-¡p-Å-Xn-t\-¡mÄ h-f-sc Ip-d-ª ]-en-i-\n-c-¡m-Wv _m-¦p-IÄ X-§-fpsS ap-´n-b {]o-an-bw D-]-t`m-àm-¡Ä-¡m-bn {]-Jym]n-¡m-dp-Å-Xv. A-tX-k-a-bw, \n-c-¡p-IÄ Ip-d-bv-¡p-¶ Im-cy-¯n _m-¦p-I-fp-sS {i-² t\-Sp-¶-Xn-\v Cu bqWn-äp-IÄ an-I-¨ {]-I-S-\w \-S-¯-Ww. hm-bv-]m Xn-cn-¨S-hn ho-gv-N h-cp-¯p-¶ Fw-F-kv-Fw-C bq-Wn-äp-I -fp-sS F-®w Xm-c-X-tay-\ Iq-Sp-X-em-bn-cn-¡pw. Cu ho-gv-N ]-cn-l-cn-¡p-¶-Xn-\p-th-|n Iq-Sp-X D-bÀ-¶ ]-en-i \n-c-¡v {]-Jym-]n-¡p-¶p. ZpÀ-_-e hn-`m-K-¡m-cp-sS `m-K-¯p-\n-¶v hm-bv-]m Xn-cn-¨-S-hn kw-`-hn-¡p-¶ Iq-Sn-b tXm-Xn-ep-Å ho-gv-N-bp-sS Iq-Sn \-ãw, b-YmÀ-°-¯n an-I-¨ {]-I-S-\w \-S-¯p-¶-hÀ¡v G-sä-Sp-t¡-|n-h-cp-¶p-|v. kÀ-¡mÀ _m-¦p-IÄ
]cn-K-Wn-¡mw, a-äp amÀ-K-§fpw i-cn-bm-bn hn-et- ]-ip-Ib - m-sW-¦n aÂ-kc - m-ßI am-b ]en-i \n-c¡ - n ]p-Xp-Xe - ap-d kz-Im-cy _m-¦p-Ifn \n¶pw hmbv] - e-`y-am-¡m-\mIpw. \-à `m-hn ap-¶nep-Å ÌmÀ-«¸ - p-IÄ-¡v Ip-d¨ - p-Im-ea - m-bn kz-Im-cy C-Iznän ^-|nw-Kv H-cp k-Po-h t{km-Xk - m-bn am-dn-bn-«p-|v. sU-äv ^-|nw-Kv B-Wv ]Ww I-s|-¯m-\pÅ a - s - äm-cp km-[y-X. C-Izn-än, sU-äv an-{in-Xa - m-b sa-km-ss\³ sU-äv ^-|nw-Kv km-[y-Xb - pw I-¼\ - n-IÄ-¡v B-tem-Nn¡m-hp-¶X - m-Wv. sN-eh - v h-fs - c IÀ-i\ - a - m-bn \n-b{- ´n¨p am-{X-ta Cu bq-Wn-äp-IÄ-¡v A-Xn-Po-h\ - w km-[y-am-¡n-s¡m-|v h-fÀ-¨b - v¡ - p-Å [-\k - l - m-bw bm-YmÀ-°y-am-¡m-\m-Iq. G-Xm-\pw F³-_n-F-^v-kn-I-fpw Cu ta-J-e-bv-¡v [-\-k-lm-bw hm-Kv-Zm-\w sN-¿p-¶p. F-¶m F³-_nF-^v-kn ta-J-ebnse {]-Xnk-Ôn \n-e-\nÂ-¡p-¶-Xn\m Cu D-d-hn-S-¯n-sâ Im-cy-¯n tNm-Zy-Nn- G-sd-bm-Ipw. ^-|nw-Kv {]-iv-\-§Ä a-dn-I-S-¡p¶-Xn-\v Fw-F-kv-Fw-C-I-sf k-lm-bn-¡m³ B-IÀ-j -I-am-b ]-²-Xn-IÄ kÀ-¡m-cpw B-hn-jv-I-cn-¨n-«p-|v. h-f-sc t\À-¯ em-` amÀ-Pn-\n-em-Wv Fw-F-kv-Fw-C ta-J-e-bp-sS {]-hÀ-¯-\w. hn-`-h-§Ä ]-c-am-h-[n hn\n-tbm-Kn-t¡-|-Xp-|v. em-`n-¨ Hm-tcm cq-]-bpw k-¼mZn-¨ H-cp cq-]-bm-Wv. h-f-sc IÀ-i-\-am-b \-S-]-Sn-I-fneq-sS sN-e-hv Ip-d-bv-¡p-¶-Xv Cu bq-Wn-äp-I-sf A -Xn-Po-hn-¡m-\pw A-h-cp-sS kz-´w h-fÀ-¨-bv-¡v [-\k-lm-bw \Â-Im-\pw k-lm-bn-¡pw. tk-h-\-¯n-sâ t]-cn-ep-Å sN-e-hv G-ä-hpw Xm-gv-¶p-\nÂ-¡p-¶ hmbv-] sX-c-sª-Sp-¡-Ww. I-¼-\n-bp-sS A-Sn-¯-d-bv-¡v G-ä-hpw h-en-b _-e-ta-Ipw Cu \-S-]-Sn. sk©q-dn-b-\n-se _n-kn\-kv U-b-d-Iv-ä-dm-Wv te-JI³
C³sh-Ìvsaâv ssKUv INVESTMENT GUIDE
IcSnIÄ F¶v ]nSnhnSpw,
\nt£]IÀ F´p sN¿Ww? A-Øn-c-X-bp-Å hn-]-Wn-bn F-hn-sS \n-t£-]n¡-W-sa-¶v hn-Z-Kv-[À ]-d-bp-¶p [\w \yqkv _yqtdm
\nt£-]IÀ Ct¸mÄ sN-t¿|Xv
{]-[m-\ sh-Ãp-hn-fn-IÄ c-|v X-c¯ - n-ep-Å sh-Ãp-hn-fn-If - m-Wv Hm-lc - n-hn-]W - n A-`n-ap-Jo-Ic - n-¡p-¶X - v. B-tKm-fX - e - ¯ - n \n-¶p-Å {- ]-iv\ - § - fpw cm-Py-¯n-\p-Ån-se {]-iv\ - § - f - pw. hn]-Wn-bn Øn-ca - m-b D-bÀ-¨b - p-|m-IW - sa-¦n Cu c-|v km-lN - c - y-§f - pw sa-¨s¸-tS-|X - p-|v. bp-Fk - pw ssN-\b - pw X-½nep-Å hym-]m-cb - p-²w, bp.Fkv, PÀ-a\n, Cä-en Xp-S§n-b hn-Ikn-X cm-Py-§f - nse D-bc - p-¶ amµyw, bq-tdm-]y³ bq-Wn-b\n \n-¶p-Å {_n-«s - â ]p-d¯ - p-t]m-IÂ, {Iq-Uv Hm-bv hn-eb - n-ep-|m-Ip-¶ C-Sn-hv Xp-S§ - n-b sh-Ãp-hn-fn-If - m-Wv B-tKm-fX-e¯ - n \n-¶p-ÅX - v. B-tKm-f-km-l-N-cy-§Ä sa-¨-s¸«m X-s¶-bpw cm-Py-¯n-\p-Ån-ep-Å
{]-iv-\-§Ä-¡v ]-cn-lm-cw I-s|-t¯-|Xp-|v. F³-_n-F-^v-kn-I-fp-sS {]-iv-\§Ä, _m-¦p-I-fp-sS In-«m-¡-Sw Ip-¶pIq-Sn-b-Xv, hn-hn-[ _n-kn-\-kv ta-J-e-Ifn-ep-Å km-¼-¯n-I-{]-Xn-k-Ôn, A-kwL-Sn-X ta-J-e-I-Ä A-`n-ap-Jo-I-cn-¡p-¶ {]-iv-\-§Ä Xp-S-§n-b sh-Ãp-hn-fn-I-sf t\-cn-tS-|-Xp-|v.
Øn-Xn F-¶v sa-¨-s¸-Spw? ""I-¼-\n-I-fp-sS ]m-Z-^-e-§Ä h-cm-\ncn-¡p-I-bm-Wv. A-h A-{X \-Ã-Xm-bn-cn¡n-à F-¶-Xn-\m hn-]-Wn-bn Nn-et¸mÄ s]-s«-s¶m-cp Xm-gv-N-bp-|m-Ipw. \-hw-_-tdm-sS hn-]-Wn-bn ]-Sn-]-Snbm-bp-Å D-bÀ-¨-bp-|m-Ip-sa-¶m-Wv {]Xo-£. A-Sp-¯ 1þ2 hÀ-jw D-bÀ-¶ coXn-bn-ep-Å Nm-©m-«w {]-Xo-£n-¡mw. C-S-¡n-sS-bp-|m-Ip-¶ Xm-gv-N-IÄ Hml-cn-IÄ hm-§m-\p-Å A-h-k-c-am-Wv.'' A-Iypsa³ Iym-¸n-ä amÀ-¡-äv en-an-äUn-sâ am-t\-Pnw-Kv U-b-d-Iv-äÀ A-£-bv A-KÀ-hmÄ ]-d-bp-¶p. ""A-ta-cn-¡³ sX-c-sª-Sp-t¸m-sS B-tKm-f-ta-J-e-bn-se {]-iv-\-§Ä-¡v
]-cn-lm-c-ap-|m-Ip-sa-¶m-Wv {]-Xo-£n¡p-¶-Xv. A-Xm-bX - v 9þ10 am-kt- ¯m-sS B-tKm-f km-¼¯ - n-I- ta-Je - A-\p-Iqe-am-Imw. F-¶m C-´y-bn-se Øn-Xn sa-¨s - ¸-Sp-¯m³ kÀ-¡m-cn-sâ `m-K¯ - p\n-¶v hym-]I - a - m-b {i-a§ - Ä D-|m-tI|-Xp-|v. A-Xn {]-[m-\w cm-Py-t¯-¡v \n-t£-]w B-IÀ-jn-¡m-\p-Å \-S] - S- n-Isf-Sp-¡pI-sb-¶X - m-Wv. te-_À, em³-Uv \n-ba - § - f - n ]-cn-jvI - c - W - h - pw hy-àn-KX \n-Ip-Xn-IÄ Ip-db - v¡ - m-\p-Å \-S] - S- nbpw D-|m-Ip-sa-¶v {]-Xo-£n-¡p-¶p.'' kÀ-¡mÀ F-Sp-¯n-cn-¡p-¶ \-S-]-SnIÄ-¡v ^-ew Im-Wm³ Ip-d-ª-Xv H-cp hÀ-j-sa-¦n-epw F-Sp-¡p-sa-¶ A-`n-{]m-b -am-Wv sl-Uv-Pv C-Izn-äo-kn-sâ No-^v FIv-kn-Iyq-«n-hv Hm-^o-k-dm-b F³.`ph-t\ -{µ-\v D-Å-Xv. ""Cu H-cp hÀ-j-¯n-\n-S-bn hn-]-Wn-bn Nm-©m-«-§-fp-|m-Ipw. kÀ¡m-cn-sâ A-\p-Iq-e-{]-Jym-]-\-§-fp-|mIp-t¼mÄ hn-]-Wn D-b-cpw. tam-iw hmÀ¯-IÄ h-cp-t¼mÄ Xm-tg-¡p-t]m-Ipw. F-¶m H-cp hÀ-j-t¯m-sS H-cp Øn-c-Xbp-|m-Ip-sa-¶m-Wv {]-Xo-£.'' A-t±-lw Iq-«n-t¨À-¡p¶p.
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F-kv-sF-]n h-gn \n-t£-]n-¡pI. H-¶n-s¨m-cp Xp-I \n-t£]n-¡m-\p-s|-¦n kn-Ì-am-änIv {Sm³-kv-^À ¹m-³ (F-kv. än.]n) sX-c-sª-Sp-¡p-I. Izm-fn-än tÌm-¡p-I-fn \n-t£-]n-¡p-I. A-[n-Iw dnkv-sI-Sp-¡m-Xn-cn-¡p-I. t]mÀ«vt^mfn-tbm-bn 10 i-X-am-\w kzÀ-W-amImw t\-cn-«v Hm-l-cn-hn-]-Wn-bn \n-t£-]n-t¡-|-hÀ t\-«w e-`n-¡m³ 2þ3 hÀ-j-sa-¦n-epw Im-¯n-cn-¡m³ X-bm-dm-I-Ww. dn-kv-Iv F-Sp-¡m³ ssh-ap-Jyap-Å-hÀ-¡v \n-Ýn-X-hn-ln-Xw Øn-c-\n-t£-]-§-fn-en-Smw. {Sn-¸nÄ F td-änw-Kv D-Å I-¼\n-I-fp-sS Øn-c-\n-t£-]-§Ä sX-c-sª-Sp-¡mw. kp-c-£n-X-am-b \n-t£-]-sa-¶ co-Xn-bn sU-äv ^-|p-IÄ sX-c-sª-Sp-¡mw. AÂ-¸w dn-kv-sI-Sp-¡m³ X-bm-dp-Å-hÀ 50:50 A-\p-]m-X-¯n Hm-lcn-bn-epw sU-än-epw \n-t£-]w \-S-¯mw. Im-¯n-cn-¡m³ \n-§-fp-sS km¼-¯n-I-Øn-Xn A-\p-h-Zn-¡psa-¦n \-à tÌm-¡p-IÄ Ipd-ª hn-e-bn hm-§m-\p-Å A-h-k-c-am-bn hn-]-Wn-bn-se C-Sn-hp-I-sf Im-Wp-I.
F-¶p-h-sc- \o-fpw? hn-]-Wn F-{X Xmtg¡p-h-sc t]m-Imw? Xp-S-§n-b tNm-Zy-§fm-Wv \n-t£-]-IÀ-¡pÅ-Xv. F¶m Cu ta-J-e-bn-se hnZ-Kv-[À ]-d-bp-¶-Xv Hm-l-cn-hn-]-Wn- h-fÀ-¨-bn-te-s¡-¯m³ Ipd-ªXv H-cp hÀ-jw h-sc k-a-b-sa-Spt¯-¡pw F-¶m-Wv.
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l-N-cy-§Ä hn-e-bn-cp-¯nbm Hm-l-cn-hn-]-Wn- I-gnª 20 am-k-am-bn I-c-Sn-I-fpsS ]n-Sn-bn-em-sW-¶v ]-d-bmw. C-S-¡n-sS Nn-e Ip-Xn-¸p-I-fp-s|-¦n-epw A-Sp-¯ Zn-h-k-§-fn A-tX-]-Sn hn-]-Wn Xmtg-¡p-t]m-Ip-¶p. tImÀ-¸-td-äv \n-Ip-Xn Ip-d-bv-¡p-I, hn-tZ-i- ^-|p-IÄ-¡p-Å \n-Ip-Xn-bn-f-hv, dn-t¸m \n-c-¡v Ip-d-bv¡Â Xp-S-§n k-¼-Zv-ta-J-e-bv-¡v D-WÀhv ]-I-cm-\m-bn \-S-¯n-b \o-¡-§-sfms¡-bpw hn-]-Wn-bn s]-s«-s¶m-cp Ip-Xn-¸p-|m-¡n-sb-¦n-epw C-h-bv-s¡ms¡-bpw AÂ-¸m-bp-tk D-|m-bn-cp-¶pÅp. hn-]-Wn-bn-se Cu A-Øn-c-X \n-t£-]-IÀ-¡n-S-bn B-i-¦ kr-ãn-¨ncn-¡p-I-bm-Wv. Cu s_-b-dn-jv X-cw-Kw
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[\w hyh-kmb hmWnPy ssZzhm-cnI
HIv-täm_À 31, 2019
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s]gv-k-WÂ ^n-\m³kv PERSONAL FINANCE
{io-Im-´v hm-g-bnÂ
k¼m-Zyhpw \nt£]hpw ]ns¶ \n§fpw
km¼¯n-I `{ZX ssI-h-cn-¡tWm? F-¦n BZyw k¼m-Zyhpw \n-t£-]-hpw- X-½n-ep-Å hy-Xym-kw Xn-cn-¨-dnbq
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2) c-|m-a-Xm-bn tk-hn-wKv-kv hÀ-[n-¸n-¡m³ I-gnA-§-s\-sb-¦n k-¼m-Zn-¡p-¶ ]-W-¯n-sâ bp-¶ G-ä-hpw \-à amÀ-K-am-Wv _-P-änw-Kv. \n-§-fp-sS h-en-sbm-cp ]-¦p \n-tXym-]-tbm-K sNe-hp-IÄ-¡m-bn Ip-Spw-_-¯n-se h-c-hv sN-e-hv I-W-¡p-I-sf-¡p-dn-¨p am-än-sh-¡p-¶ \-½-sf kw-_-Ôn-¨n-S-t¯m-fw Hm-tcm t_m-[-hm-\m-Ip-I. F-t¸m-gpw ]-Ww sNe-h-gn-¡p-¶A©v h-Àjw Iq-Sp-t¼m-gpw Po-hn-X-s¨e-hv i-cm-i-cn C-c-«n-¡p-I-b-tÃ? C-¶v ]-Xn-\m-bn-cw cq-]-bv-¡p Po-hnXn-\p ap³-]m-bn aq-¶p tNm-Zy-§Ä kz-bw tNm-Zn-¡p-I. X-s¨e-hp-IÄ \-S-¯p-¶-bmÄ A©v h-À-jw ap³-]v 1. Cu sNe-hv A-Xym-hiy-am-tWm? C-tX sN-e-hv 5000 cq-] sIm-|m-bn-cn-¡pw 2. Cu sNe-hv B-h-iy-am-tWm? \-S-¯nsIm-|n-cp-¶-Xv. {]-Xn-hÀ-jw h-cp-¶ hn-e3. Cu sN-e-hv A-\m-h-iy-am-tWm? ¡-b-äw sN-dp-Xm-bn tXm-¶p-sa-¦n-epw A©v h-ÀjF-´m-Wv tk-hn-wKv-kv? A-t¸mÄ, \n-§-fp-sS sN-e-hp-I-fn Hm-tcm-¶pw s¯-tbm 10 h-À-j-s¯-tbm I-W-¡p t\m-¡n-bmÂ{]m-[m-\yw Ip-d-ª-Xv, {]m-[m-\y-ap-Å-Xv, h-f-sc {]mHcp amks¯ \n-§-fp-sS F-Ãm sN-e-hp-I-fpw a-\-kn-em-hpw ]-W-s¸-cp-¸-¯n-sâ `o-I-c-X F-{X [m-\y-ap-Å-Xv F-¶n-§-s\ thÀ-Xn-cn-¡p-I F-fp-¸-amI-gn-¨p _m-¡n h-cp-¶ ]-Ww kz-´w I-Ì-Un-bn am-{X-ap-s|-¶v. i-cm-i-cn hmÀ-jn-I ]-W-s¸-cp-¸w bn-cn-¡pw. C-\n Hm-tcm-¶n-\pw ]-cn-[n \n-Ý-bn-¡p-I. kq-£n-¡p-I-bm-sW-¦n Cu kz-cq-]n-¨p sIm-|n-cn7þ14% B-sW-¶v Im-Wmw. sN-e-hp-IÄ sh-«n-¨p-cp-¡m³ I-gn-bp-¶ amÀ-K-§-Ä ¡p-¶ ]-W-s¯ tk-hn-wKv-kv F-¶v ]-d-bmw. D-Zm-lA-§-s\-sb-¦n ZoÀ-L-Im-e-t¯-¡vI-s|-¯m³ {i-an-¡p-I. c-W¯n\v 25,000 cq-] am-k i-¼-f-ap-Å-bmÄ 15000 \-½p-sS ]-Ww tk-hn-wKv-kv B-bn h-¨m-ep3) C-\n-bpw sN-e-hv Np-cpcq-]-bp-sS {]-Xn-am-k sN-e-hp-IÄ F-Ãmw I-gn-ªp |m-Ip-¶ aq-ey-tim-j-Ww H-¶m-tem-Nn-¨p ¡tWm? h-f-sc F-fp-¸w sN_m-¡n h-cp-¶ 10000 cq-] ho-«n-se H-cp s]-«n-bnt\m-¡q. C-hn-sS-bm-Wv \n-t£-]-¯n-sâ ¿m-hp-¶ H-cp kq-{X-¸-Wn D-|v. tem/_m-¦n-tem C-«ph-¨m A-Xm-Wv tk-hnw-Kvkv. {]-k-àn. ]-Ww F-hn-sS kq-£n-¡p-t¼mZn-h-k-hpw D-d-§p-¶-Xn-\p ap³-]mtk-hn-wKv-kv F-t¸m-gpw H-cp hÀ-j-¯n Xm-sggm-Wv ]-W-s¸-cp-¸-¯n-\v ap-I-fn B-Zm-bw bn h-c-hv sN-e-hv U-b-dn-bn bp-Å Po-hn-X e-£y-§Ä-¡v th-|n-bp-Å I-cp-X-emX-cp-¶-Xv A-Xn-s\ \n-t£-]w F-¶v ]-d-bmw. F-gp-Xn h-bv-¡p-I. Hm-tcm Zn-h-kbn-cn-¡pw. D-Zm-l-c-Ww: k-v-IqÄ ^o-kv, am-k hm-S-I, \n-t£-]w F-Ãm-bv-t]m-gpw ZoÀ-L-Im-e-t¯hpw sN-e-h-gn-¨ ]-W-hpw _m-¡nF-aÀ-P³-kn ^-|v F-¶n-§s\. C-Xn an-\n-aw ¡m-bn-cn-¡pw. tk-hn-wKv-kn-s\ A-t]-£n-¨p bp-Å ]-W-hpw H-cp cq-] B-dp am-k-s¯-sb-¦n-epw \n-§-fp-sS Po-hn-X-s¨et]m-epw hn-«p-t]m-Im-sX F-gp-Xnhv F-aÀ-P³-kn ^-|v B-bn am-än h-bv-t¡-|-Xm-Wv. Returns h-bv-¡Ww. Cu io-ew Xp-SRisk Factor Tenure Liquidity Taxation _m-¦v tk-hn-wKv-kv A-¡u-|v, _m-¦v ^n-I-vk-Uv Annualized % §p¶ t XmS p IqS n {]t XyI n¨ v Equity Mutual STCG 15%, Unt¸m-kn-äv, ayq-Nz ^-|p-I-fn-se en-Izn-Uv ^-|v, Moderate- High Open end High 15 I-ã-¸m-sSm-¶p-an-Ãm-sX X-s¶ fund LTCG 10% AÄ-{Sm tjmÀ-«vtSw ^-|v F-¶n§-s\ dn-kv-Iv Ip-dCan be sold STCG added to \n§ Ä t]me pa d nb ms X sNe Real Estate High risk Low 10 ª am-À-K-§-fn Cu tk-hnw-Kv-kv \n-t£-]n-¡mw. any time income, LTCG 20% hv 20 i-X-am-\-sa-¦n-epw Ip-dCan be sold STCG added to Low-moderate Varies 9 Gold bp-¶-Xm-bn Im-Wmw. \-½p-sS risk any time income, LTCG 20% F-§-s\ tk-hv D-]-t_m-[-a-\-km-Wn-hn-sS {]-hÀPartial withdrawal PPF No risk 15 Years 7.9 Tax free sN-¿mw? after 5 years ¯n-¡p-¶-Xv. 40% corpus tax exempt, 60 Minus Limited 8.5 NPS Low risk C-§s - \ kz-cp-¡q-«p-¶ 1.) C-¶v `q-cn-`m-K-hpw annuity taxable entry age Last 10 years average annualised returns calculated. STCG= Short term capital gain ( Less than 1 year) , LTCG = Long term Capital gain ( Above 1 year) tk-hn-wKvk - v \n-§f - p-sS F-Ãm B-fp-I-fp-sS-bpw _-P-än-wKv I-S§ - s - f-bpw B-hi - y-§s - f-bpw t^mÀ-ap-e F-Ãm sN-e-hp-II-gn-ªpw A-ht- i-jn-¡p-¶ps|-¦n H-cp hÀ-jdn-k-vIn-bp-am-bn-cn-¡pw. \n-§-fp-sS ]-Ww \n-t£fpw I-gn-ªp _m-¡n-h-cp-¶¯n-\v ap-If - n-te-¡p-Å ]-Ww tk-hn-wKvk - v B-bn ]n-¡p-¶-Xn-\v ap³-]v dn-k-vIv, dn-t«¬, \n-Ip-Xn, ensX-´m-tWm A-Xm-Wv sh-¡m-sX \n-t£-]s - ¯-¡p-dn-¨p Nn-´n-¨p Xp-S§ - mw. Izn-Un-än Xp-S-§n-b L-S-I-§-fn {i-² tI-{µo-I-cnt¡-|-Xp-|v. Xm-c-X-tay-\ D-bÀ-¶ dn-k-vIv F-Sp-¡mBank Account Mutual funds \p-Å I-gn-hn-\-\p-k-cn-¨p H-cp \n-t£-]-I\v tÌm-¡v F-´p-sIm-|v amÀ-¡-än \n-t£-]n-¡m³ I-gn-bpw, an-X-am-b dn-k-vIv SavingsBank Fixed \nt £] n¡ W w? Features Liquid fund Ultra shortterm bank account Deposit F-Sp-¡p-¶-hÀ-¡v ayq-Nz ^-|p-IÄ sX-c-sª-SpMaturity Nil 3 months - 1 year 7 days - 3 months 6 months - 1 year ¡m-hp-¶-XmWv. \-½p-sS \n-tXym-]-tbm-K- sNehpI Ä¡ pw, aä p km¼ ¯ nI Annualized 3.5 5.8 6.5 7.5 F´n-\m-Wv {]m-[m\yw? returns % e-£y-§Ä \n-d-th-äp-¶-Xn-\p-apÅ-Xm-Wv ]-Ww. A-§-s\-sbPost tax returns 2.45 4.06 6.2 7 -tk-hn-wKv-kn-Ãm-sX \-ap-¡v \n-t£-]n-¡m³ I-gn¦n C-¶v i-cm-i-cn 100 cq-]-bv-¡p Very Low Low Medium Risk Factor Very Low bn-Ã, \n-t£-]n-¡m-Xn-cp-¶m aq-ey-tim-j-W-hpw \-SaÕyw hm§ n¡ p¶ Krl \ mY ³ Allowed with Allowed with No exit load Allowed with/ Premature ¡pw. A-Xn-\m C-h c-|pw Po-hn-X-¯n Xp-ey F-t¸m-sg-¦n-epw Nn-´n-¨n-«p-t|m 10 withdrawal no charge penalty above 7 days no exit load {]m-[m-\yw AÀ-ln-¡p-¶p. \n-§-fp-sS {l-kz, C-Sh-À-jw ap³-]v F-{X cq-]-bv-¡m-Wv ¯-cw, ZoÀ-L-Im-e e-£y-§Ä ssI-h-cn-¡p-¶-XnaÕyw hm-§n-¨n-cp-¶-sX-¶v? 20 \p-Å i-cn-bm-b \n-t£-] ]-²-Xn-IÄ B-kq-{X-Ww cq-]-bv¡pw Xm-sg-bm-bn-cn-¡pw! A-Xm-b-Xv A©v C-csN-¿p-I. Hm-tcm-cp-¯À-¡pw tbm-Pn-¨ ^n-\m³-jy tk-hn-wKv-kv F-¶m-Wv (Income - expense = Saving). «n hÀ-[-\-. C-¶v i-cm-i-cn 35 cq-]-bv-¡p hm-§n-¡p-¶ ¹m-\n-wKpw i-cn-bm-b amÀ-K-\nÀ-tZ-i-hpw sa-¨-s¸-« Cu t^mÀ-ap-e-bp-am-bn Po-hn-Xw \-bn-¨m sN-e-hv A-cn 10 h-À-jw ap³-t] 12 cq-]-bv-¡m-Wv \-½Ä hm^-e-§-fpw e-`n-¡m³ ^n-\m³-jy A-ssUz-k-dp-sS I-gn-¨p am-än-h-bv-¡m³ H-¶p-ap-|m-hn-à F-¶p-Å-Xm§n-sIm-|n-cp-¶-Xv, C-hn-sS hÀ-[-\- aq-¶n-c-«n-bm-Wv. k-lm-bw tX-Sp-I. Wv bm-YmÀ-Yyw. \mw \-S-¸n-em-t¡-| t^mÀ-ap-e A-§-s\ \-½p-sS Hm-tcm \n-tXym-]-tbm-K km-[-\Income - Savings = Expense F-¶-Xm-Wv. \n-§-fp-sS §Ä-¡pw hn-e h-À[-\-bp-|m-Ip-¶p. C-Xn-s\-bm-Wv Po-hn-X e-£y-§Ä-¡p-th-|n B-Zy-ta \n-Ýn-X ]-W-s¸-cp-¸w F-¶v ]-d-bp-¶-Xv. Im-em-\p-kr-X-am-bn ^n\m³-jy A-ssUz-kdpw tImÀ-¸-td-äv s{S-bv-\-dp-am-Wv kw-Jy -am-än-sh-¡p-I _m-¡n-bp-Å ]-Ww sIm-|v te-JI³. Cþsa-bvÂ: sreekanth@scripon.com, ]-W-¯n-sâ ]À-t¨-kn-wKv ]-hÀ Ip-d-bp-¶p A-Y-hm t^m¬: 9995555026 sN-e-hv \-S-¯p-I. ]-W-¯n-\p aq-ey-tim-j-Ww kw-`-hn-¡p-¶p. HIv-täm_À 31, 2019 [\w hyh-kmb hmWnPy ssZzhm-cnI -cp]-s£ \n-§Ä B-Ýc - y-s¸-Sp-¶p-|m-Ipw, tkhnwKvkpw \nt£]hpw X½n hy-Xym-kw F-´m-sW¶m-tem-Nn-¨v. b-YmÀ-°¯ - n C-h H-¶t- Ã? A-Ã; hy-Xym-k§ - Ä \n-ch - [ - n-bm-Wv. C-h a-\k - n-em-¡n-bh - À-¡v th-K¯ - n X-s¶ km-¼¯ - n-I `-{Z-X ssI-hc - n-¡m-\pw A-Xp-hg - n km-¼¯ - n-Ia - m-bn A-`n-hr-²n {]m-]n-¡m-\pw I-gn-bp-¶p.
20
C³jp-d³kv INSURANCE
C\n C³jpd³kv ]cnc£ IqSpX tcmK§Ä¡v H-Iv-täm-_À H-¶n-\v {]m-_-ey-¯n h¶, sF-BÀUn-F-sF-bp-sS ]pXn-b amÀ-K-\nÀ-tZ-i-§Ä t]m-fn-kn D-S-a-IÄ-¡v t\-«-amIpw
h
enb tcmK-§-sfm-s¡bpw C³-jpd³-kv ]-cn-c-£-bv-¡v ]p-d-¯m-bn-cp-¶ Im-ew a-d-t¶-¡p-I. B-tcm-Ky C³-jpd³-kv ta-J-e-bn am-ä-§Ä-¡v Xncn- sIm -fp-¯p-I-bmWv C³-jp-d³-kv sd-Kp-teädn B³-Uv sU-h-e-]v-saâv A-tYm-dn-än Hm^v C´y (sF-BÀUn-F-sF)-bp-sS ]pXn-b amÀ-K-\nÀ-tZ-i§Ä. AX-\p-k-cn¨v C-Xph-sc C³-jpd³-kv I-¼-\n-IÄ ]-Sn-¡v ]pd-¯v \nÀ¯n-bn-cp-¶ ]e tcm-K-§sf Iq-Sn Nn-In-Õm ]-cn-[n-bn sIm-|ph-¶n-cn¡p-I-bm-Wv sF-BÀUn-F-sF Im³ -kÀ, lr-Z-b-kw-_-Ôamb tcm-K§Ä, AÄ-jn-ta-gvkv, ]mÀ-¡n³k¬kv, F-¨vsF-hn/F-bv-Uv-kv Xp-S§nb tcm-K-§-Äs¡Ãmw C-\n C³-jp-d³-kv kw-c£Ww e-`n-¡pw.
Iq-Sp-X tcm-K-§Ä-¡v ]-cnc£ XoÀ-¶nÃ, I-Sp¯ tPm-en-IÄ aq-ew D-|m-Ip¶ tcm-K-§-sf-bpw Ir-{Xn-a am-À-K-§-fn-eq-sS Po-h³ \n-e-\nÀ¯Â, am-\-knIm-tcm-Ky-¯n-\p-Å Nn-In-Õ,
Ip¶ sXm-en-¸pd-s¯ A-kp-J-§-Ä-¡pw C³-jp-d³-kv I-¼-\n-IÄ C-\n I-h-td-Pv \Â-tI-|n h-cpw. A-]-kv-amcw, ]-g-¡-tadn-b In-Uv-\n kw-_-Ôam-b A-kp-J§Ä, F-bv-Uv-kv Xp-S-§n-b-h-bv-¡v I-h-td-Pv \Â-Im³ X-bm-d-sÃ-¦n A-Xv {]-tXy-Iw kq-Nn¸n-¨n-cn-¡-W-sa¶pw \nÀ-tZ-i-ap-|v. t]mfn-kn-bp-S-a shfn-s¸-Sp¯n-b FÃm \n-ehnse tcm-K-§Ä¡pw ]-c-am-h-[n 48 amk-s¯ sh-bv-änw-Kv Im-em-h-[n-¡v tijw I-h-td-Pv \Â-In-bn-cn-¡-W-sa-¶m-Wv A-tYm-dn-än \nÀ-tZ-in-¨n-cn-¡p-¶-Xv.
Im-em-\p-kr-Xam-b amäw
{]m-bm-[nIyw aq-e-apÅ tcm-K-§Ä F-¶nh-bv-s¡m-s¡ C³-jp-d³-kv I-h-td-Pv \Â-In-bn-cn-¡-W-sa-¶m-Wv sF-BÀUn F-sFbp-sS \nÀ-t±iw. amcIam-b cm-kh-kv-Xp-¡Ä D-]-tbm-K-s¸-Sp-¯p-¶ I-¼\n-I-fn-se sXm-gn-em-fn-IÄ-¡v D-|m-
C³-jp-d³-kv ta-J-e-bn Im-em-\pkr-Xam-b am-ä-§Ä h-cp-¯p-I-bm-Wv A-tYm-dn-än-bp-sS e-£yw. Cu ta-J-ebn t]mÀ-«-_n-en-än ku-Icyw sIm|ph-¶Xpw am-äw A-\n-hm-cy-am¡n. H-cp I-¼-\n-bp-sS t]m-fn-kn-bn \n-¶v FÃm ku-I-cy-§fpw \n-e-\nÀ-¯n-s¡m-|p X-s¶ a-säm-cp I-¼-\n-bp-sS t]m-fn-knbn-te-¡v am-dm-\p-Å ku-I-cy-am-Wv t]mfn-kn t]mÀ-«-_n-en-än-bn-eq-sS e-£y-
an-«Xv. F-¶m I-¼-\n-IÄ am-dp-¶-Xn\-\p-k-cn-¨v tSw-kv B³-Uv I-|o-j³kn am-ä-§Ä kzm-`m-hn-I-amWv. H-cp I-¼-\n-bn e-`yam-b ku-Icyw t]mÀ-«v sN-¿-s¸-Sp-t¼mÄ a-säm-cp I-¼-\n-bn e-`n-¡-W-sa-¶nÃ. C-Xv D-]-t`m-àm-hn-\v _p-²n-ap-«m-Ipw. C-t¸mÄ tSw-kv B³-Uv I-|o-j³-kn G-Io-Ic-Ww D-|m-Ip-¶ -tXm-sS t]mÀ-«-_n-en-än F-fp-¸hpw hym-]I-hp-am-Ip-sa-¶m-Wv C³-jp-d³-kv hn-Z-Kv-[ \pw Xr-iqÀ B-Øm-\-am-bp-Å F-bnw-kv C³-jp-d³-kv t{_m-¡nw-Kv ss{]h-äv enan-ä-Uv am-t\-Pnw-Kv U-b-d-Iv-ä-dpamb hn-iz\m-Y³ H-Sm-«v A-`n-{]m-b-s¸-Sp-¶-Xv. km-t¦Xn-I hn-Zy-bn-ep|m-b am-äw C³-jp-d³-kv ta-J-e-bp-sS s]m-fn-s¨-gp¯n\pw C-S-bm-¡n. 24 a-Wn-¡q-dn Iq-SpX tlm-kv-]n-ä-en A-Uv-an-äm-bn Nn-InÕ t\-Sn-bn-cp-¶-hÀ-¡v am-{X-am-bn-cp-¶p t\c-s¯ C³-jp-d-³kv Xp-I A-\p-hZn-¨n-cp-¶Xv. C-¶v ]pXn-b km-t¦Xn-I hn-Zy-bp-sS k-lm-b-t¯m-sS td-Un-tb j³, U-bm-en-knkv, Im-ädm-Iv-äv kÀP-dn F-¶n-h-sbÃmw H-cp Zn-h-k-¯n-\p-Ån ]qÀ-¯o-I-cn-¡m-hp-¶ Øn-Xn-bm-bn. AXpsIm|v C-Xph-sc \n-e-hn-ep-|m-bncp-¶ \n-b-a-{]-Im-cw C-h-bv-¡v C³-jp-d³ -kv Xp-I \Â-Im-\m-hnÃ. 24 a-Wn-¡qÀ ka-bw F-¶ \n_-Ô-\ C-¡m-cy-¯n F-Sp-¯pIf-ªv C-¯-c-¯n-ep-Å Nn-InÕ-bv-¡v Iq-Sn C³-jp-d³-kv ]-cn-c-£ \Â-Im³ A-tYm-dn-än-bpsS ]pXn-b \o-¡¯n-eq-sS I-gn-bpw. A-tX ka-bw C-Xv t]m-fn-kn-bp-sS {]oan-bw Xp-I-bn hÀ-[-\-bv-¡v Im-c-W-am Iptam F-¶ B-i-¦bpw D-b-cp-¶p|v.
[\w hyh-kmb hmWnPy ssZzhm-cnI
HIv-täm_À 31, 2019
21
_nkn-\kv tIcf BUSINESS KERALA
tIcf _m¦v
C\nbpw IS¼Itfsd _m¦n-sâ cq-]o-I-c-W-¯n-\m-bn dn-kÀ-hv _m-¦v ap-t¶m-«p-sh-¨n-«p-Å \n-_-Ô-\-IÄ hn-e-§p-X-Sn-bmtb¡pw
dn
-kÀ-Æv _m-¦nsâ A-\p-a-Xn e-`ns¨¦n-epw tI-c-f _m-¦nsâ cq-]o-I-c-W -¯n-\v kÀ-¡mcn-\v ap-¶n-epÅ shÃp-hnfn-IÄ G-sd-bm-Wv. _m-¦n-sâ cq-]o-I-cW-¯n-\m-bn dn-kÀ-Æv _m-¦v ap-t¶m-«p-h¨n-«p-Å \n-_-Ô-\-I-fn kÀ-¡m-cn-\v DÄ-s¡m-Åm-\m-Im-¯ H-¶m-Wv t_mÀ Uv Hm-^v am-t\-Pv-saâv cq-]o-I-cn-¡p-I-sb -¶Xv. _m-¦n-sâ A-[n-Im-c-§-sfÃmw t_mÀ-Un-\m-bn-cn-¡p-sa-¶v am-{X-aà t_mÀ-Uv dn-kÀ-Æv _m-¦n-sâ \n-b-{´-W -¯n-em-bn-cn-¡p-Ibpw sN-¿pw. A-Xv tIc-f _m-¦n kÀ-¡m-cn-\p-Å A-[n-Imc-s¯ ]-cn-an-X-s¸-Sp-¯psa-¶-Xm-Wv {]iv\w. F-¶m C-sXm-cp \à \o-¡-am -sW-¶m-Wv _m-¦nw-Kv s{]m-^-jW-ep-Ifp-sS hn-e-bn-cp¯Â. A-gn-a-Xnbpw s]-cpIp¶ In-«m-¡-S-hp-sam-s¡ izm-kwap-«n-¨ tI-c-f-¯n-se k-lI-c-W _m-¦nw -Kv ta-Je-sb ip-²o-I-cn-¡m³ A-Xv k-lm-bn-¡p-sa-¶v Nq-|n-¡m-«-s¸-Sp-¶p. dn-kÀ-Æv _m-¦n-sâ A-\pa-Xn {]-Im-
e-b\-s¯ F-XnÀ¯p-sIm-|v ssl-t¡m-S-Xn-bn \n-e-hn-ep-Å 20 Hm-fw tI-kp-I-fp-sS `m-hn bpw _m-¦v cq-]o-I-cW-¯n-\v shÃp-hn-fnbmWv cw A-Sp-¯- hÀ-jw amÀ-¨n-\v ap³-]v tI-c-f _m-¦v bm-YmÀ-°y-am-¡Ww. F-¶m PnÃm _m-¦p-I-fp-sS e-b-\s¯-bpw aäpw F-XnÀ¯p-sIm-|v sslt¡m-S-Xn-bn \n-e-hn-ep-Å C-cp-]-tXmfw tI-kp-I-fp-sS `m-hn tI-c-f _m-¦nsâ cq-]o-I-c-W-¯n-\v hen-sbmcp shÃp -hn-fn-bm-Wv. tI-kp-IÄ \o|p-t]m-Ip
¶-Xv _m-¦v cq-]o-I-cW-s¯ X-S-k-s¸Sp-¯pw. dn-kÀ-Æv _m-¦v A-\pa-Xn \ In-b km-l-N-cy-¯n PnÃm _m-¦p-Ifp-sS e-b-\-hp-am-bn _-Ô-s¸-« hn-jb-¯n BÀ._n.sF ssl-t¡m-S-Xnbn kzo-I-cn-¡p¶ \n-e-]m-Sv A-\p-Iqe-am-bn-cn-¡p-sa-¶mWv {]-Xo-£. A-Xp|m-bn-sÃ-¦n _m-¦v cq-]o-Ic-Ww ho|pw A-\n-iv-Nn-X-Xz-¯n-em-Ipw.
s{]m-^j-W-sse-tk-j³ A-\n-hmcyw t_mÀUv Hm-^v am-t\-Pv-saâv ImcWw kÀ-¡m-cn-sâ \n-b-{´-Ww \-ã-am-tb¡p-sa-¶ {]-iv\-s¯ t\-cn-Sm³ anI¨ s{]m-^j-W-sse-tk-j-\m-Wv ]-cn-lmcw. A-sXm-gn-hm-¡n ap-t¶m-«v t]m-Ip ¶-Xv tI-c-f _m-¦n-\v H-cn-¡epw Kp-WI-c-am-InÃ. ]p-Xp-X-eap-d _m-¦p-I-tfm-Sv h-sc In-S-]n-Sn-¡-¯-¡ hn-[-¯n-epÅ tkm-^v-äv-sh-bÀ kw-hn-[m-\w DÄ-s¸-sS-
tkmfmÀ ta¡qc
klmbhpambn {Io] A-Sp-¯ A-©p hÀ-j-¯n-\p-Ån tI-c-f-¯n-se 25 i-X-am-\w ho-Sp-I-fn-em-bn 2000 sa-Km-hm-«n-sâ ]-²-Xn H-cp-¡p-I-bm-Wv e-£yw
Im-
em-h-Øm hy-Xn-bm-\-hpw A-Xns\ Xp-SÀ-¶p-|m-Ip-¶ {]-Ir-Xn Zp-c-´ -§-fpw hÀ-[n-¨p h-cp-¶ km-l-N-cy¯n ku-tcmÀ-P-¯n-sâ km-[y-XIÄ {]-tbm-P-\-s¸-Sp-¯p-I F-¶ e-£y-hp-am-bn ap-t¶-dp-I-bm-Wv tI-c-f dn-\yp-h-_vÄ F-\À-Pn F³-{S-{]-tW-gv-kv B³-Uv {]-tam-t«-gv-kv A-tkm-kntb-j³ (KREEPA). tI-c-f-¯n-se ]p-\cp-]-tbm-K DuÀ-P ta-J-e-bn-se DÂ-¸mZ-IÀ, hym-]m-cn-IÄ, hnÂ-¸-\m-\-´-c tk-h-\ cw-K-¯v {]-hÀ-¯n-¡p-¶-hÀ, K-th-j-W cw-K-¯p-Å-hÀ, Cu ta-Je-bn ]-cn-io-e-\w \Â-Ip-¶-hÀ Xp-S -§n-b-h-sc DÄ-s¸-Sp-¯n-bp-Å- kwLS-\-bmWv {Io-]. 2005  cq-]o-Ir-X-am-b kw-L-S-\kÀ-¡m-cn-sâ dq-^v bn \q-dn-te-sd Aw-K-§-fp-|v. A tSm-¸v tkm-fmÀ Xn 80te-sd t]cpw sN-dp-In-S kw-cw -`-I-cm-Wv. B-fp-I-fp-sS B-h-iy¯n]-²-Xn-I-fpw a-äpw \pw km-¼-¯n-I Øn-Xn-¡pw A-\pCu ta-J-e-bn k-cn-¨v hy-Xy-kv-X X-c-¯n-ep-Å A© p e-£w tIm-Sn tkm-fmÀ ]-hÀ kn-Ìw Hmtcm ho-«n-epw Øm]n-¡p-I-sb-¶-Xm-Wv A-tkm-kncq-]-bp-sS _n-kn-\-kv tb-j³ e-£yan-Sp-¶-Xv. C-Xn-\m-bn D-|m-¡p-sa-¶m-Wv 36 ap-X 60 am-kw h-sc-bp-Å X-h-WI-cp-X-s¸-Sp-¶-Xv I-fm-bn Xn-cn-¨-S-¡mhp¶ hn-[-¯n Ip-d-ª ]-en-i \n-c-¡n hm-bv-] e-`y-am-¡m-\pw D-]-t`m-àm-hn-\v A-tkm-kn-tb-j-sâ k-lm-bw e-`n-¡pw. DÂ-¸-¶w e-`y-am-¡p-¶-Xn-\p ]p-d-ta A-Xv ho-Sp-I-fn Øm-]n-¡p-¶-Xn-\pw A-Sp-¯
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HIv-täm_À 31, 2019
[\w hyh-kmb hmWnPy ssZzhm-cnI
bpÅ FÃm-hn-[ k-Öo-I-c-W-§-fpw tI-c-f _m-¦n-\v D-|m-bn-cn-¡p-Ibpw thWw. 14 PnÃm k-lI-c-W _m-¦pI-sf kwØm-\ k-lI-c-W _m-¦n e-bn¸n¨p-sIm-|m-Wv kÀ-¡mÀ tI-c-f -_m-¦v cq-]o-I-cn-¡m³ {i-an-¨-sX-¦nepw a-e-¸p-dw PnÃm k-lI-c-W _m-¦v A-Xn tNÀ ¶n-«nÃ. PnÃm k-lI-c-W _m-¦p-I-fptS-Xv DÄ-s¸-sS 820 im-J-I-fpw k-lI-cW ta-J-e-bn-epÅ 2 e-£w tIm-Sn cq-]bp-sS \n-t£-]-hp-am-Wv tI-c-f _m-¦nsâ A-Sn¯-d. Hcp hm-Wn-Py _m-¦m-bn cq-]o-I-cn-¡s¸-Sp-¶- tI-c-f _m-¦v kw-Øm\-s¯ hn-I-k-\-{]-In-b-bn am-{Xaà km-[m-cW-¡mÀ-¡v B-[p\n-I _m-¦nw-Kv tk-h-\§Ä e-`y-am-¡p-¶-Xn-ep-w \nÀ-®m-b-I]-¦v h-ln-¡p-sa-¶m-Wv hn-e-bn-cp-¯-s¸Sp-¶Xv. {]m-Yan-I k-lI-c-W _m-¦pI-fn-te-¡v A-Xnsâ tk-h-\§Ä hym-]n¸n-¡p-¶-Xn-eq-sS tI-c-f-¯nsâ ap-¡n epw aq-e-bnepw h-sc A-Xn-i-à-am-b kzm-[o-\-ap-d-¸n-¨v kw-Øm\s¯ km-¼ ¯n-I ta-J-e- C-t¶h-sc I-|n«nÃm¯ \q-X-\am-b ]-cn-hÀ-¯-\-§Ä h-cp¯m³ tI-c-f _m-¦n-\v km-[n-t¨¡pw. A-Xn-\m-bn `m-h-\-bpw {In-bm-ß-IX-bp-ap-Å A-Xn-iàam-sbm-cp t\-Xr-Xzam-Wv tI-c-f _m-¦n-\v B-h-iyw. A-Xn\v ]I-cw a-äv ap³-K-W-\-IÄ-¡m-Wv kÀ -¡mÀ {]m-apJyw \Â-Ip-¶-sX-¦n ]pXnb tI-c-f _m-¦n\pw \n-e-hn-ep-Å kwØm-\ k-lI-c-W _m-¦n\pw X-½n t]-cn-ep-Å hy-Xym-k-aÃmsX kwØm-\ k-¼-Zv-L-S-\-bn Im-cyamsbm-cp N-e-\-ap-|m-¡m-\m-InÃ.
A-©p hÀ-j-s¯ hm-dân kÀ-ho-kpw A-Xn-\pti-jw Ip-d-ª \n-c-¡n-ep-Å kÀ-ho-kpw Atkm-kn-tb-j³ D-]-t`m-àm-¡Ä-¡v e-`y-am-¡pw. Im-em-h-Øm hy-Xn-bm-\-¯n-\v ku-tcmÀ-P D-]tbm-Kw H-cp ]-cn-[n h-sc X-S-bn-Spw F-¶-Xpw C-Ô\-¯n-sâ D-]-tbm-Kw hÀ-[n-¨p h-cp-¶-Xv cmPy¯nsâ DuÀ-P kw-cw-£-W-¯n-\v `o-j-Wn-bm-Ip¶Xpw ]-cn-K-Wn-¨m-Wv A-tkm-kn-tbjsâ Cu kw-cw`w. tI{µ kÀ-¡m-cn-sâ dq-^v tSm-¸v tkm-fmÀ ]-²-XnI-fpw a-äpw Cu ta-J-e-bn ASp-¯ aq-¶p hÀ-j¯n-\n-S-bn A-©p e-£w tIm-Sn cq-]-bp-sS _n-kn-\-kv D-|m-¡p-sa-¶m-Wv I-cp-X-s¸-Sp-¶-Xv. am-{X-a-à ]-¯p e-£w t]À-¡v t\-cn-«v tPm-en e-`n-¡p-I-bpw sN¿p-sa-¶p-am-Wv I-W-¡v. C-Xp ]n³ku-tcmÀ-P D-]]-än, A-Sp-¯ A-©p hÀjw sImtbm-Kw Im-em-h-Øm |v tI-c-f-¯n-se 25 iX-am-\w hy-Xn-bm-\-¯n-\v ho-Sp-I-fnepw tkmfmÀ ]-hÀ knH-cp ]-cn-[n h-sc Ìw Øm]n-¡p-I-sb-¶-Xm-Wv X-S-bn-Spw F-¶-Xv e-£y-an-Sp-¶-Xv. C-Xv 2000 sa-Kmhm-«n-\-Sp-¯v h-cpw. {Kn-Uv I-W]-cn-K-Wn-¨m-Wv AIv-ä-Uv skm-eqj³-kn-\v ]p-d-ta tkm-kn-tb-j-sâ ssl-{_nUv, Hm-^v {Kn-Uv t{]m-P{]-hÀ-¯-\w Iv-äpI-fpw {Io-] G-sä-Sp-¡p-¶p. ]-cn-io-e-\w kn-²n-¨-Xpw Aw-KoIr-X-hp-am-b km-t¦-Xn-I hn-Z-Kv[-cp-sS tk-h-\w e-`y-am-¡p-¶p F-¶-Xm-Wv a-säm-cp {]-tXy-I-X. A-tkm-kn-tb-j-sâ amÀ-K\nÀ-tZ-i-§Ä-¡-\p-k-cn-¨v [mÀ-anI-X-bv-¡pw aq-ey-§Ä-¡pw hn-e IÂ-¸n-¨m-Wv Aw-K-§-fp-sS {]-hÀ -¯-\w. _n-kn-\-kn-\-¸p-dw 2D-]t`m-àm-¡-fp-ambn \à _-Ôw kq-£n-¡m³ Hm-tcm- AwKhpw {i-²n-¡p-¶p. tkm-fmÀ dq-^v tSm-¸pIÄ-¡v ]p-d-ta tkm-fmÀ sXÀa hm-«À lo-äÀ, {Utb-gv-kv, tkm-fmÀ ]-¼pIÄ Xp-S-§n-bhbpw A-tkmkn-tb-j\nse kw-cw-`-IÀ hn-]-Wn-bn F-¯n-¡p-¶p-|v. IqSp-X hn-h-c-§Ä-¡v: 0484 þ 2839185, 8078702552, Cþsa-bvÂ: kreepa1@gmail.com
_nkn-\kv tIcf BUSINESS KERALA
ap¯qäv ^n\m³kn\v ]pXnb aq¶v
kzX{´ UbdIvSÀamÀ
F^vFwknPn hn]Wnbnse Xmcambn
Htdm¢o³FIvkv
ap
{]Zo]v Nu[cn
_-lp-cm-{ã I-¼-\n-IÄ A-c-§p-hm-gp-¶ F-^v-Fw-
-s¸-Sp-¯n-bm-Wv hn]-Wn-bnte-¡v I-S-¡p-¶-Xv. hn-]-Wnbn-se ]-Xnhv DÂ-¸-¶-§ kn-Pn ta-J-e-bn kz-´fn \n-¶v hy-Xykv-X-am-bn am-sbm-cn-Sw I-s|-¯n ap\-à I-«n-Iq-Sn-b ^v-tfmÀ ¢ot¶-dp-I-bm-Wv Xr-iq-cn \-dn-sâ-bpw aäpw Kp-W-ta\n-s¶m-cp {_m³-Uv. ¢o-\nw · Xn-cn¨dn-ª D-]-t`màm -Kv skm-eq-j³-kv DÂ-¸-¶¡-sfm-¶pw ]n-¶o-Sv H-tdm§-fm-Wv H-tdm-¢o³F-Iv-kv ¢o³-F-Iv-kv DÂ-¸¶-§-sf F-¶ I-¼\ - n hn-]W - n-bn D-t]-£-n¨n-à F-¶-Xm-Wv Po-tPm F-¯n-¡p-¶-Xv PotPm ]m-h-d-«n-¡m-c³ hn-P-bw. ]m-h-d-«n-¡m-c³ F-¶ bp-h kw-cw-`-I-sâ C-Ñm-i-ànXr-iqÀ Pn-Ãbn-se hn-]bn hn-cn-ª kw-cw-`w C-¶v tI-c-f- Wn hn-«v tI-c-f-¯nse a-äp Pn-Ã-I-fn¯n-se-¼m-Spw hn-]-Wn I-s|-¯n-. te-¡pw I-S-¶ H-tdm-¢o³F-Iv-kn-\v I-¼-\n hn-]-Wn-bn-se-¯n-¡p-¶ 30 te-sd hn-X-c-W-¡m-cp-|v. t]-«-bv-¡ ¢n-¡v (CliQ) Un-jv hm-jv, sN¡u-«v -Sp-¯v 6000 kv-Iz-bÀ-^o-än-sâ tKm-Uu (CheckOut) tSm-bv-e-äv ¢o-\À, kv-Izm-Uv Wpw \nÀ-an-¨p. t\m-«v \n-tcm-[-\-¯n-sâ ^v-tfmÀ ¢o\À, sk-h³ tlm-gv-kv k-a-b-¯v _-lp-cm-{ã I-¼-\n-IÄ ]-I -¨p \n-¶-t¸m-gm-Wv A-Xn{_m³-Un-ep-Å 23 te\n-S-bn-eq-sS H-tdm-¢o³sd X-cw Sn-jyp t]¸-dpF-Iv-kv hn-]-Wn-bn-teIÄ Xp-S-§n-b DÂ-¸-¶¡v F-fp-¸-¯n I-S-¶v §Ä-¡v tI-c-f hn-]-WnI-b-dn ap-t¶-äw km-[y-ambn C-t¸mÄ B-h-iy¡m-tc-sd-bm-Wv. ^n-ss\Â, s{U-bv³ ¡n-b-Xv. ¢o-\À, »o-¨nw-Kv ]u-UÀ Xp-S-§n ssh\n-t£-]-I-sc tX-Sp-¶p hn-[y-amÀ-¶ DÂ-¸-¶-§Ä C-tX {_m³-Up-I-fn hn-]-Wn-bn-se-¯n-¡phn-]-Wn Iq-Sp-X hn-]p-e-am-¡p-I¶p-|v H-tdm-¢o³-F-Iv-kv. bpw DÂ-¸-¶ \n-c hÀ-[n-¸n-¡p-I-bpw {]-ap-J Pq-hÂ-dn-bn ]-c-ky-hn-`m-K- sN-¿p-¶-Xn-\v kz-Im-cy \n-t£-]w ¯n tPm-en t\m-¡n-s¡m-|n-cp-¶ tX-Sp-I-bm-Wv H-tdm-¢o³ F-Iv-kv. Po-tPm-bp-sS G-sd \m-fs¯ B-{K-l- ZoÀ-L-Im-e \n-t£-]-¯n-eq-sS an¯n-sâ k-^-eo-I-c-W-am-Wv Cu kw-cw I-¨ em-`w D-|m-¡m-\m-Ip-sa-¶ D-d-`w. F-^v-Fw-kn-Pn-bn hn-]-Wn ]n-Sn ¸m-Wv Po-tPm \n-t£-]-IÀ-¡v \Â-Ip-¡p-I F-¶-Xv G-sd {i-a-I-c-am-sW-¶v ¶-Xv. a-\-kn-em-¡n-b Po-tPm Xp-S-¡¯n IqSpX hn-h-c-§Ä-¡v, t^m¬: 20 en-äÀ Ip-Sn-sh-Åw Hm-^o-kp-I-fn-epw 9061633000. CsabvÂ: info@orocleanx. ho-Sp-I-fn-epw F-¯n-¨v A-Xn-s\m-¸w com, orocleanx@gmail.com. sh_vkz-´w ¢o-\nw-Kv DÂ-¸-¶-§-fpw ]-cn-N-b sskäv: www.orocleanx.com
HmÄ tI-c-f ss{]h-äv _m-t¦-gv-kv A-tkm-kntb-j³ kwØm-\ {]-knUâm-bn sX-c-sª-Sp¡-s¸-« ]n.F tPmkv, P-\-d sk-{I«-dn sI. sI tKm]p, {S-j-dÀ P-bN-{µ³ a-ä-¸n-Ån
]n.F tPmkv
sI.sI tKm]p
P-b-N-{µ³ a-ä-¸n-Ån
_nkn\kv Ahkc§Ä Adnbm³ _nkn\kv tIcf aoäv km
¼-¯n-I ta-J-e-bn-se A-\n-Ýn-X-Xz -§Ä-¡n-S-bn-epw \n-§-fp-sS _n-kn-\-kns\ D-bÀ-¯m-\pw ]p-Xn-b _n-kn-\-kv A-h-k-c-§Ä I-s|-¯m-\pw h-gn-sbm-cp¡p-I-bm-Wv tIm-gn-t¡m-Sv \-S¡p-¶ _n-kn-\-kv tI-c-f ao-äv. HIvtäm_À 27\v Rm-b-dm-gv-N cm-hn-se H-¼-Xv a-Wn ap-X ssh-In-«v A-©v a-Wn h-sc "bm-jv CâÀ-\m-j-WÂ' tlm«-en h-¨v \-S¡p-¶ Cu _n-Sp-_n {]-ktâ-j³ ao-än bq-Syq-_v, t^-kv-_p-¡v hnZ-Kv-[\mb c-Xo-jv BÀ. ta-t\m³, _n-kn-\-kv s{S-bv-\-dm-b kn.F d-km-Jv F-¶n-hÀ ¢m-kp-IÄ \-bn-¡pw. hn-hn-[ ta-J-e-bn-ep-Å I-¼\n-IÄ-¡v A-h-c-p-sS _n-kn-\kn-s\ {]-kâv sN-¿m -\p-sÅm-cp th-Zn Iq-Sn-bm-Wn-Xv. hn-X-c-W-
¡m-sc tX-Sm-\pw {^m-ss©-kn I-s|¯m-\p-sam-s¡-bp-Å A-h-k-c-hpw C-Xph-gn e-`n-¡pw. {^m-ss©-kn Xp-S-§m³ D-t±-in-¡p-¶-hÀ, DÂ-¸-¶-§-sf-tbm tkh-\-§-sf-tbm Ip-dn-¨p-Å hnh-c-§Ä s]m-Xp-P-\-§-fnte-¡v F-¯n-¡m³ amÀ-Kw tX-Sp-¶-hÀ, ÌmÄ C-Sm³ Xm-¸-cy-ap-Å-hÀ, ]p-Xn-b kw-cw-` A-h-k-c-§Ä A-t\zjn-¡p-¶-hÀ, A-§-s\ _nkn-\-kv ta-J-e-sb Ip-dn-¨v A-dn-bm³ B-{K -ln-¡p-¶ BÀ-¡pw Cu G-I-Zn-\ ao-än ]-s¦-Sp-¡mw. t{]m-{Km-an ]-s¦-Sp-¡m³ D-t±-in-¡p-¶-hÀ-¡v ap³-Iq-«n _p-¡v sN -¿m-hp-¶-Xm-Wv. 1000 cq-]-bm-Wv {]-thi-\ ^o-kv, ÌmÄ kv-t]-kv 5000 cq-]. hn-h-c-§Ä-¡v: 7511194200, 7511188200.
cho{µ ]njm-c-Sn
¯qäv ^n\m³kv enan-äUv ]pXnb aq¶p kzX{´ Ub-d-IvSÀamsc \nb-an-¨p. tImÀ¸-tdäv _nkn-\kv ta[mhnbpw amt\-Pvsaâv hnZ-Kv[\pw hnhn[ taJeIfn 35 hÀjs¯ {]hr¯n ]cnNbhp ap-Å cho{µ ]njm-c-Sn, tImÀ¸tdäv Kth W³kn kÀ«nss^Uv Ub-d-IvSdpw kzImcy, s]mXp-ta-Je tImÀ¸-tdäv cwK¯v \mep ]Xn-äm|v ]cn-N-bhp-apÅ hn.-F tPmÀPv, tÌäv _m¦v Hm^v C´y ap³ sNbÀam\pw _m¦nwKv taJ-ebn 40 hÀ js¯ ]cn-N-bhp-apÅ {]Zo]v Nu[cn hn.-F tPmÀPv F¶n-h-cmWv ]pXnb Ub-d-IvSÀamÀ.
_nKv40 F³_nF^v--kn FIv--ke³kv AhmÀUv
[ocPv AKÀhmfn\v
CcpN{I
hml\ hmbv]m _nkn\kv cwK ¯v \ho\ Bib§Ä AhXcn¸n¨Xn\v aW ¸pdw ^n\m³kv Sp hoeÀ ^n\m³kv hn`mKw knCH [ocPv AKÀhmÄ _nKv 40 F³_n F^v-kn FIvke³kv ]pckv-¡mcw t\Sn. apwss_bn \S¶ thÄUv F.sFtjmþ _n F^vFkv-sF Bâv F³_nF^v-kn NS§n At±lw AhmÀUv Gäphm§n.
Ubaïv tdmfÀ ^vfhÀ anÃn\v thÄUv Izmfnän AhmÀUv U
-b-a-|v tdm-fÀ ^v-f-hÀ anÃn-\v _n-kn\-kv C-\n-tjy-äo-hv U-b-d-£³-kv (_n. sF.Un) thÄ-Uv Izm-fn-än I-½n-äv-saâv A-
hmÀ-Uv. hy-h-km-b im-e-IÄ-, hy-h-km-b kw-cw-`-IÀ, kw-L-S-\-IÄ Xp-S-§n-b-h-bv¡v A-´m-cm-{ã-X-e-¯n Kp-W-\n-e-hm-c kw-kv-Im-cw h-fÀ-¯p-¶-Xn-\pw t{]mÕm-ln-¸n-¡p-¶-Xn-\p-am-bn kv-s]bn-\n-se am-{Un-Uv B-Øm-\-am-bn {]-hÀ-¯n-¡p-¶- _n.sF.Un-bpw am{Un-Uv sS-Iv-\n-¡Â bq-Wn-th-gv-knän-bpw kw-bp-à-am-bn GÀ-s¸-Sp-¯nbn-cn¡p-¶ A-hmÀUm-Wn-Xv. Cu hÀ-jw ¹män-\w ÌmÀ Im-ä-K-dn-bn C-´ybn \n-¶pw A-hmÀ-Un-\v AÀl-cm-b G-I ^v-f-hÀ an-Ãm-Wn-sX-¶v am-t\-Pnw-Kv U-b-d-ÎÀ Sn.sI A-aoÀ A-en ]-d-ªp.
am-{Un-Uv sS-Iv-\n-¡Â bq-Wn-th-gv-kn-än ssh-kv Nm³-k-eÀ tUm. AÂ-t^m¬-tkm kn. Im-kÂ, _n-kn-\-kv C-\n-tjy-äo-hv U-b-d-£³-kv kn.C.H tPm-kv C. {]o-täm F-¶n-h-cn \n-¶v U-b-a-|v tdm-fÀ ^v-f-hÀ an- am-t\-Pnw-Kv U-b-d-ÎÀ Sn.sI A-aoÀ A-en, F-Iv-kn-Iyq-«n-hv U-b-d-ÎÀ lm-Pn kn._n.hn kn-±n-Jv F-¶n-hÀ tNÀ-¶v A-hmÀUv G-äp-hm-§p-¶p.
F.]n.sI `mchmlnIÄ Atkmkntbj³ Hm^v ¹mtâgvkv Hm^v tIcf (F.]n.sI) sNbÀam\mbn _n.]n Icnb¸bpw sshkv sNbÀam\mbn Fkv._n {]`mIdpw sXcsªSp¡s¸«p.
_n.]n I-cn-b-¸
Business Solutions Accounting Services Income Tax / VAT / GST Feasibility Studies Management Audit Investment Consultancy Insurance: Life, Medical, General
F-kv._n {]-`m-IÀ [\w hyh-kmb hmWnPy ssZzhm-cnI
HIv-täm_À 31, 2019
23
Châvkv EVENTS
icmicnbn \n¶v t{ijvTXbnte¡v hfcm³ ]mT§Ä
7
H-emw CâÀ-\m-j-W en-an-ä-Un-sâ k-l-Øm-]-I-\pw {Kq-¸v kn.C.H-bpw thÄ-Uv _n-kn-\-kv Iu¬-kn t^mÀ k-kv-sä-bv-\-_vÄ sU-h-e-¸v-saân-sâ sN-bÀ-am-\p-am-b k-®n hÀ-Ko-kv X-sâ t\-Xr-Xz ]mT-§Ä ]-¦p-sh-¡p¶p [\w \yq-kv _yqtdm
your 1 Differentiate business before you
I-fp-sS I-cp-¯n _n-kn-\-kn Ip-Xn¨p-Nm-«w D-|m-¡m³ I-gn-bpw.
scale up
\n-§-fp-sS _n-kn-\-kn-s\ F-§-s\ A-Sp¯ X-e-¯n-te-¡v h-fÀ-¯mw? kam-\-am-b a-äv _n-kn-\-kp-I-fnÂ- \n-¶v A-Xn-s\ F-§-s\-sb-Ãmw th-dn-«p \n À-¯m-sa-¶v I-s|-¯p-I. ImÀ-jn-I DÂ-¸-¶-§Ä F-§-s\ Xn-I-¨pw hy-Xykv-X-am-¡m-sa-¶v kw-i-bw tXm-¶mw. A-Xn-\v H-cp D-Zm-l-c-W-am-Wv "Olam at source’; ‘Intel inside’ t]m-se. H-em-an \n-¶v hm-§p-¶ A-kw-kv-Ir-X h-kv-Xp¡-fn "H-emw A-äv tkm-gv-kv' Nn-¸v DÄt¨À-¯n-cn-¡p-¶p. AXn-sâ Un-Pn-ä Um-jvt_mÀ-Un-eq-sS 90 am-\-Z-Þ-§fn- B DÂ-¸-¶w F-§-s\ hy-Xy-kvX-am-Ip-¶p F-¶-dn-bm³ I-gn-bpw. A-Xnsâ ImÀ-_¬ ^p-«v-{]nâv, hm-«À ^p-«v {]nâv, tem-I-¯n-sâ G-Xv tIm-Wn G-Xv IÀ-j-I³ DÂ-¸m-Zn-¸n-¨-Xm-Wv, sa-¨-s¸-« ImÀ-jn-tImÂ-¸m-Z-\ co-XnIÄ ]Tn-¸n-¨p- sIm-Sp-¯-Xn-eq-sS B IÀ-j-I-\p-|m-b t\-«w F-¶n-§-s\ 90 Im-cy-§Ä. C-Xv hn-]-Wn-bn R-§Ä¡v taÂ-ss¡ \Â-In. Iq-Sp-X an-I-¨ hn-e-bv-¡v hnÂ-¡m³ I-gn-bp-s¶-¶p am-{X-a-Ã, D-]-t`m-àm-¡-sf hn-«p-t]m-ImsX tNÀ-¯p-\nÀ-¯m-\pw I-gn-bp-¶p. A-Xp-sIm-|v, HmÀ-t¡-| ]mTw C-Xm-Wv þ hy-Xy-kv-X-X A-h-Im-i-s¸Sm-\n-sÃ-¦n \n-§Ä-¡v h-f-cm-\p-Å AÀ-l-X-t]m-ep-an-Ã!
Practices’ 2 “Best is lousy strategy km-[m-c-W I¬-kÄ-«âp-am-sc-Ãmw D-]-tZ-in-¡p-¶-Xv A-Xm-Xv- _n-kn-\-kv cw-K-s¯ G-ä-hpw an-I-¨ co-Xn-IÄ kzoI-cn-¡m-\pw ]n-´p-S-cm-\p-am-Wv. A-XpsIm-|v am-{Xw \n-§Ä-¡v t{i-jvT-am-b H-cp I-¼-\n-bm-bn am-dm-t\m hn-]-Wn-tb¡mÄ th-K-X-bn h-f-cm-t\m km-[n-¡nÃ. \n-e-hn-ep-Å s_-kv-äv {]m-Iv-äo-kpI-tf-¡mÄ an-I-¨-Xv I-|p-]n-Sn-¡m-\pw kr-ãn-¡m-\pw I-gn-bp-t¼m-gm-Wv F-Ãm AÀ-°-¯n-epw t{i-jvT-am-b H-cp I-¼\n-bm-bn h-f-cm³ I-gn-bp-¶-Xv.
3
Focus on developing insights
Kq-KnÄ bp-K-¯n Po-hn-¡p-¶ \mw
24
HIv-täm_À 31, 2019
on organisa4 Focus tional health \n-§-fp-sS Øm-]-\-¯n-sâ B-tcmKy-¯n {i-²-bq-¶p-I, _m-¡n-sbÃmw ]p-d-sI h-¶p-sIm-Åpw. F-§-s\ \n-§-fp-sS Po-h-\-¡m-sc Xn-I-¨pw {]-tNm-Zn-X-cmbn am-ämw?
Inspired employees, Engaged employees, Satisfied eomployees -
C-h aq-¶pw X-½n A-´-c -ap-|v.
\m-ev amÀ-K-§-fneq-sS Po-h-\¡m-sc kw-Xr-]vX-cm-¡m³ I-gn-bpw. H-emw CâÀ-\m-j-W en-an-äUvv t¥m-_ ^pUv & A{Kn _n-kn-\-kv cw-K¯vv {]-hÀ-¯n-¡p-¶ Hemw, 2.8 an-ey¬ sl-Î-dn Ir-jn \-S-¯p¶ temI-s¯ G-ähpw hen-sbm-cp tImÀ-¸-td-äv ^m-anw-Kv I-¼-\n-bm-Wv. 26 Xcw hy-Xykv-X hn-f-IÄ 21 cm-Py§-fn Ir-jn sN-¿p-¶ I-¼-\n-¡v tem-I-s¯m-«m-sI-bm-bn 206 am-\p-^mIv-N-dnw-Kv tI-{µ-§-fp|v. tem-I-s¯ 4.8 an-ey¬ IÀ-j-I-cp-am-bn k-l-I-cn¨v {]-hÀ-¯n-¡p-¶ Hem-an-\v 66 cm-Py§-fn-em-bn 78500 Po-h-\-¡m-cp-|v.
t\-cn-Sp-¶-Xv hn-h-c-§-fp-sS-bpw hn-Úm\-¯n-sâ-bpw B-[n-Iy-am-Wv. DÄ-¡m-gv-NI-fm-bn am-äm³ I-gn-bp-¶n-sÃ-¦n A-\´-am-b Cu Um-ä aq-ey-an-Ãm-¯-Xm-bn am-dpw. Rm³ U-b-d-Iv-äÀ t_mÀ-Uv aoänw-Kp-I-fn-epw I-¼-\n-bn-se D-tZym-K-Øtcm-Sp-sa-Ãmw \n-c-´-cw tNm-Zn-¡p-¶-Xv þ Hm-tcm-¶n \n-¶pw \-ap-¡v e-`n-¡p-¶ DÄ-¡m-gv-N F-´v F-¶m-Wv. DÄ-¡m-gv-N-
[\w hyh-kmb hmWnPy ssZzhm-cnI
l
l
l l
tPm-en-¡m-h-iy-am-b ss\]p-Wyw hn-I-kn-¸n-s¨-Sp-¯pw B-hiy-am-b SqÄ-kv \Â-In-bpw im-àoI-cn-¡p-I. C-S-bv-¡n-sS-bp-Å C-S-s]-S-ep-IÄ C-Ãm-sX kz-´w tPm-en sN-¿m³ Ah-sc A-\p-h-Zn-¡p-I hr-¯n-bp-f-f, B-tcm-Ky-I-c-am-b tPmen km-l-N-cy-§Ä H-cp-¡p-I am-\y-am-b th-X-\w \Â-Ip-I.
C-§-s\ kw-Xr-]v-X-cm-b Po-h\¡m-sc F-§-s\-bm-Wv Xn-I-¨pw {]-Xn-Úm-_-²-cm-¡n am-äp-¶Xv? A-Xn-\p-f-f \m-ev amÀ-K-§fn-Xm-Wv: l l
l
kz-bw `-c-Wm-[n-Im-cw \Â-In kr-ãn]-c-X t{]mÂ-km-ln-¸n-¡p-I kz-´w s{]m-^-j-\n G-sd an-I¨-h-cm-bn am-dm-\p-Å A-h-k-c-§Ä \Â-Ip-I hn-Pb - n-¡p-¶ H-cp So-an-sâ `m-Ka - m-Wv
Xm³ F-¶ tXm-¶Â Ah-cn-ep-|m¡p-I l A-h-cp-sS tPm-en {]-[m-\-am-Wv F-¶ tXm-¶Â A-h-cn-ep-|m-¡p-I. (A-hÀ D-|m-¡n-¯-¶ t{]m-P-Iv-äv dn-t¸mÀ-«v ta-e-[n-Im-cn-bp-sS ta-ih-en-¸n-en-cp-¶v s]m-Sn ]n-Sn-¡m-\n-S-bmI-cp-Xv) F-¶m C-Xn-s\-Ãm-a-¸p-dw Po-h-\¡m-sc Xn-I-¨pw {]-tNm-Zn-X-cm-¡n am-äpI-bm-Wv th-|-Xv. A-hÀ-¡v b-YmÀ -° e-£y-t_m-[w \Â-Im³ I-gn-bWw. A-h-cn \n-¶v B-h-iy-s¸-Sp-¶ Xym-K-§Ä an-I-¨ am-ä-§Ä D-|m-¡m³ k-lm-bn-¡p-¶p F-¶ A-dn-hv A-hsc {]-tNm-Zn-X-cm-¡pw. “Re imagining global agriculture and food systems’ F-¶ e-£y-¯n-\m-bn H-em-an tNÀ-¶p {]-hÀ-¯n-¡m³ \n-c-h-[n bp-hm-¡Ä k-¶-²-cm-Ip-¶p. A-aq-ey-am-b P-ew t]m-ep-Å hn-`-h-§-Ä G-ä-hpw Ip-d-¨v D-]-tbm-Kn-¨v Ir-jn sN-¿p-¶-Xn-eq-sS D|m-Ip-¶ t\-«w X-§-fp-sS Po-hn-X-¯nepw I-¼-\n-bn-epw tem-I-¯p -Xs¶-bpw D-|m-¡p-¶ am-ä-§Ä A-h-sc {]-tNm-ZnX-cm-¡p-¶p.
sustainability at 5 Put the heart of your business
{]-Ir-Xn-bn a-\p-jy-cp-|m-¡p-¶ B-Lm-Xw Ip-d-¨n-sÃ-¦n 2030 Hm-sS Xm-]-\n-e 4-þ-5 Un-{Kn skÂ-jy-kv h-sc D-bÀ-t¶-¡p-sa-¶v G-ä-hpw ]p-Xn-b ]T-\-§Ä sh-fn-s¸-Sp-¯p-¶p. `t£ymÂ-¸mZ\w, sXm-gnÂ, k-¼-Zv cw-Kw F-¶n-§-s\ k-a-kv-X ta-J-eI-fn-epw A-Xv I-Sp-¯ {]-Xn-k-Ôn kr-ãn-¡pw. ]-cn-Øn-Xn ku-lr-Z-am-b kp-Øn-c hn-I-k-\-¯n-\v ]-c-a-{]-[m-\yw \Â-In-tb a-Xn-bm-Iq.
6 Be Countercyclical
hm-d³ _-^-äv ]-d-bp-¶-Xp-t]m-se F-Ãm-h-cpw `o-Xn-aq-ew X-fÀ-¶n-cn-¡pt¼mÄ A-Xym-{K-ln-bm-Ip-I. FÃm-hcpw A-Xym-{K-lw {]-I-Sn-¸n-¡p-t¼mÄ `-b-s¸-Sp-I. B-tKm-f km-¼-¯n-I {]-Xnk-Ôn-bp-sS aqÀ-[-\y-¯n-em-Wv R-§Ä G-ä-hpw h-en-b \n-t£-]-§Ä \-S-¯nbn-cn-¡p-¶-Xv.
kwcw`w hnPbn¸n¡mw KmÔnb³ Bib§fneqsS tUm.Inc¬t_-Zn
Im¯ncn¡m³ C\n kabanÃ! Im-em-h-Øm hy-Xn-bm-\aÃ, Im-
emh-Øm A-Sn-b-´-cm-h-Ø-bm-Wv C-t¸mÄ \-½p-sS ap-¶n-se A-hK-Wn-¡m-\m-Im¯ bm-YmÀ-°yw. Cu t]m-¡p t]m-bmÂ, 2050 Hm-sS kw-`-hn-¡p-sa-¶v I-cpXn-b hn-]-¯pIÄ 2030 X-s¶ t\-cn-tS-|n-h-cpsa-¶v sF-Iy-cm-{ã k-` ap-¶-dn-bn-¸v \Â-Ip¶p. 2015  tem-I-s¯ 194 cm-Py§Ä tNÀ-¶v bp.F³ k-kv-sä-bv-\_nÄ sU-h-e-]v-saâv tKmÄ-kv H-¸psh¨-Xv kp-Øn-c-X-bp-Å \-h-tem-I \nÀ-am-W-¯n-\v \nÀ-Wm-b-Iam-b H-cp Np-h-Sp-sh-¸m-Wv. tem-I-sa-¼m-Sp-ap-Å kz-Im-cy-ta-J-e-bn-se 200 No-^v FIv-kn-Iyq-«nhv Hm-^o-kÀ-amÀ tNÀ-¶v cq-]w \ÂIn-b thÄ-Uv _n-kn\-kv Iu¬-kn t^mÀ k-kv-sä-bv-\-_nÄ sU-h-e-]v-saâv kpØn-c hn-I-k-\¯n-\m-bp-Å Ir-Xyam-b e-£y-§Ä ap³-\nÀ-¯n-bm-Wv {]-hÀ-¯n-¡p-¶sX-¶v kw-L-S-\-bp-sS sN-bÀ-am\m-b k-®n hÀ-Ko-kv ]-d-bp¶p. cm-Py-§Ä¡pw I-¼-\n-IÄ¡pw am-{XaÃ, Hmtcm hy-àn¡pw Cu e-£y-§Ä k-^-e-am-¡m³ X-§-fptSXm-b ]-¦p-h-ln-¡m³ I-gn-bpw. ]Ãv {_-jv sN-¿p-t¼mgpw tj-hv sN¿p-t¼mgp-sam-s¡ sh-Å-¯n-sâ Sm-¸v Xp-d-¶n-Sm-Xn-cn¡p-I, sd-Uv-ao-änsâ D-]-tbm-Kw Ip-d-bv-¡p-I, ¹m-Ìn-¡n-sâ D-]-tbm-Kw Ip-d-bv¡p-I F-¶n§s\ Hm-tcm¶pw Cu e-£y-§-fn-te-¡v \-s½ A-Sp-¸n-¡pw.
7
Be Willing to be politically incorrect
[mÀ-ãyw Im-Wn-¡W - s - a-¶Ã - , a-cym-Ztbm-sS X-s¶ A-`n-{]m-bw {]-IS- n-¸n-¡mw. s]m-Xp-hn-Im-c¯ - n-\v F-Xn-cm-sW-¦n-epw t_m-[y-ap-Å Im-cy-¯n-\p-th-|n \n-es - ImÅm-\p-Å X-tâ-Sw {]-IS- n-¸n-¡W - w. s]m-Xp-sh Øm-]\ - § - s - f-Ãmw \n-ÝnX am\-ZÞ-§f - n- H-Xp-§p-¶ B-fp-Is - fbm-Wv \n-ba - n-¡p-¶X - v. a-ba - n-Ãm-¯, aqÀ-¨bp-Å kz-`m-ha - p-Åh - s - c-tbm ap³-tIm]-¡m-sc-tbm H-¶pw s]m-Xp-sh t{]mÂkm-ln-¸n-¡m-dn-Ã. F-¶m kr-ãn-]c - X - b - v¡v th-|X - v Htc co-Xn-bn-ep-Å H-cp-]ä - w B-fp-Is - f-bà - . an-I¨ - H-cp t\-Xm-hn-\v G-It- Z-iw 34 Kp-W§ - f - p-s|-¶v ]T-\§ - Ä I-s|-¯nbn-«p-|v. F-¶m \-à H-cp t\-Xm-hm-Im³ C-hs - b-Ãmw th-Ws - a-¶n-Ã. h-fs - c t{i-jvT a - m-b H-t¶m c-t|m aq-t¶m Kp-W§ - Ä a-Xn-bm-Ipw. a-lm-ßm-Km-Ôn F-Ãm t\-XrKp-W§ - f - pw H-¯p-tNÀ-¶ H-cm-fm-bncp ¶n-Ã. knw-K¸ - q-cn-sâ cm{ã]n-Xm-hm-b eoIzm³ bp abanÃm¯ kz-`m-h¡ - m-c\ - pw ap³-tIm-]n-bp-sam-s¡ B-bn-cp-¶p. kz-bw t_m-[y-ap-Å Im-cy-§Ä-¡p-th-|n [o-cX - tbm-sS \n-es - Im-|h - c - m-Wv C-hÀ. (ssS-tIm¬ tI-c-f-bn \-S¯n-b ap-Jy-{]-`mjW-s¯ B-[m-c-am-¡n X-bm-dm-¡nbXv)
\n-
c´cw dn-kv-Iv G-säSp-t¡-|n h-cp¶ kw-cw-`-IÀ-¡v F¶pw ]n-´p-S-cm-hp-¶ t\-Xr-Kp-W-§-fmWvv a-lm-ßm-Km-Ôn-bp-tS-sX-¶v tUm. Inc¬t_-Zn, C-´y³ P-\-X-sb kzmX-{´y-¯n-te-¡v \bn¨ B t\-XrXzw kw-cw-`-IÀ-¡v H-t«td ]mT-§Ä \Â-Ip¶ps|¶v In-c¬-t_-Zn hn-iZo-I-cn-¡p¶p. {S-Ìn-jn¸v: KmÔnb³ Bib¯n Hmtcm kwcw`hpw, \ap¡p-ÅsXÃmw, {]IrXn, \-½psS ]qÀ-ÆnIÀ \«a-c§Ä, ]-g§Ä, `-£Ww, shÅw, ip²hmbp, \à BtcmKyw F-¶n§s\sbÃmw- H-cp {S-kv-äv t]m -se ssI-h-¶-XmWv. A-Xn-sâ kq£n-¸p-Im-cm-Wv \½Ä. s]m-Xp-k-aql-¯nsâ \·bv-¡mbn \½Ä AXv ssIhiw sh¡p¶psh¶v am-{Xw. AXp-t]m-se G-Xp kw-cw-`hpw s]m Xp \³a e£yw sh¨mh-Ww. Un-kv-{Sn-_yq«-Uv eoUÀjn-¸v: KmÔn-Pn Un-kv-{Sn-_yq«-Uv eo-UÀ-jn-¸nemWv hn-iz-kn-¨n-cp-¶-Xv. FÃm-h-cn -te¡pw eo-UÀ-jn-¸v hym-]n-¸n-¡-W-sa-
¶v A-t±-lw B-{K-ln¨p. ]pXn-b t\Xr-Xz-§Ä D-bÀ-¶p h-cm³ A-t±-lw A-\p-h-Zn-¡p-Ibpw sN-bvXp. X-§-tfmsSm-¸-apÅ B-fpI-sf F-§-s\-bm-Wv D-bÀ-¯n-s¡m-|p-h-tc-|-sX-¶v kwcw-`-IÀ¡pw C-Xn-eq-sS ]Tn-¡mw. B-h-iy-¯n-\pÅ-Xv am{Xw: Km-ÔnPn hn-iz-kn-¨n-cp¶Xv FÃm-h-cp-sSbpw B-h-iy-¯n-\p-Å-sXÃmw Cu `q-anbn-ep-|v, F-¶m A-Xym-{K-l-w \n-dth-äm-\m-bp-Å-sXm-¶p-anà F-¶mWv. kwcw`IXz¯n \nt£-]hpw ]p\À\nt£]hpsaÃmw Ahiy LS I§fmWv. {S-Ìn- jn-¸nsâ {]hÀ ¯\ coXnbpw AXmWv. F-¶m A-Xym-{K-l-t¯m-S I-W-¡p-Ifnepw aäpw Ir-{Xn-aw Im-Wn-¡p¶Xv hyàn¡pw kwhn[m\¯n\pw Hcp t]mse kw-LÀjw krãn¡pw. kzbw am-Xr-I-: ap-¶n h-gn-Im-«n-bmbn \S-¶v kz-bw am-Xr-I kr-ãn¨psIm-|m-bn-cp¶p A-t±-l-¯n-sâ {]-hÀ-¯\w. Iw-^À«v tkmWn \n¶v ]pd¯p IS¶v t\XrXzw hln¨p. G-sXm-cp Im-cy-¯n\pw ap-¶n \n-¶v {]-hÀ-¯n-¨p Im-Wn¨psIm-Sp-¯p. a-äp-Åh-À H-¸w tNÀ t¶m CÃtbm F¶-Xp t\m-¡n-bnÃ. kw-cw-`-Icpw C-tX t]m-se kz-bw amXr-I-I-fm-bn am-dp-I-bm-Wv th-|-Xv.
ssS-t¡m¬ kwcw-`-I A-hmÀ-UpIÄ
AhmÀ-Uv tP-Xm-¡Ä ssS tI-c-f `m-c-hm-ln-IÄ¡pw Pq-dn Aw-K-§Ä¡p-sam¸w
sIm-
¨n-bn \-S-¶ kw-cw-`-I kw-Kaamb "ssS-tIm¬ tIcf2019'  kw-cw`-IÀ-¡v B-Zcw. H.C.F³ amt\PnwKv U-b-d-ÎÀ ]tae am-Xyp, hn.sIkn
{Kq-¸nsâ hn.sI.kn a½Zv-tImb F¶nhsc sse^v-ssSw A¨ohv-saâv AhmÀUv \ÂIn BZcn¨p. F³{S{] WÀ Hm^v Zn C-bÀ A-hmÀUv sUâv-
em-fnXyw: Km-Ôn-Pn-bp-sS Po-h-n-Xw X-s¶ F-{X em-fn-Xy-ap-Å-Xm-bn-cp¶p. Hcpkwcw`I³ KmÔnsb t]m-se emfnXy-hpw, A¨S¡-hpw, hm¡pIfnepw {]hr¯nIfnepw Alnw-kbpw ]m en¡pI-bpw, kXy¯nepw [mÀ½nI aqey§fnepw Dd¨p\n¡pIbpw sN¿pI. \n-§Ä-¡p ]-d-bm-\pÅ-Xv ss[-cy-am-bn ]-d-bp-I. F-¶m AXp a-äp-Åh-sc th-Z-\n-¸n-¡m-¯ X-c-¯nem-bn-cn-¡m³ {]-tXy-Iw {i-²n-¡pI. kz-bw sN-e-h-gn-¡m³ ka-bw I-s|¯p-I: cm-hne-s¯ Ipd¨p ka-bw X-\n-¡p-th-|n X-s¶ am-än-sh-¡p-I. kwcw-`Isc kw_ Ôn¨nSt¯mfw, A\nÝnXXz¯n-\v X¿dmIpI F¶Xv ssZ\wZn\ ]cnioe\-¯nsâ ImcyamWv. ImemhØm hyXnbm-\§Ä, {]IrXn Zpc-´§Ä, AØncX-bpsS Nne ImeL«§Ä, XpS§nb ]e cq]¯nepw AXv h-cmw. DÅnse kwcw`Is\ Hmtcm hyànbpw DWÀt¯|Xp|v. kzbw kwh Zn¡m³ km[n¡Ww. A\n ÝnXXz§sf t\cnSm³ Bhiy-amb ]pXnb B-ib§Ä DÅn \n¶v h-cpw. (ssS-t¡m¬ tI-c-f-bn-se hoUntbm {]-kw-K-¯n \n¶v)
sI-bÀ am-t\-Pnw-Kv U-b-dÎÀ tPm¬ Ipcym-t¡m-kn\p k-½m\n-¨p. InsäIv-kv KmÀsaâv-kv am-t\-Pnw-Kv U-b-dÎÀ km_p Fw tP-¡-_n-\mWv s\IvÌv P\tdj³ A¨ohÀ A-hmÀ-Uv. tIcf ÌmÀ«¸v anj³ (sIFkv-bpFw) knCH tUm. kPn tKm]n-\mYv kwcw`Ikulr-Z A-´-co-£w H-cp¡n-b-Xn\pw kÀthkv]mtcm Øm-] I³ jnlm_v ap-l-½-Zv ÌmÀ«¸v F³{S{]{]WÀ Hm^v Zn C-bÀ AhmÀUn\pw AÀ-l-\mbn.
aÂkcw GXv Znibn \n¶pw hcmw H
cp Un-Pn-ä _n-kn\-kv _m-¦nw-Kn-em-Is«, Un-Pnhn-¹-h-¯n-sâ ]-Sn-hm-XnÂä cwK-¯v kv-t^m-S-\m ¡em-Wv \m-sa-¶v FÃm-hÀ -ß-Iam-b am-ä-§-fm-Wv D-|m¡pw A-dn-bmw. Cu am-ä§-sf bn-s¡m-|n-cn-¡p-¶Xv. A-h-K-Wn-¡p-Itbm A-tX sam-_o ¹m-äv t^mw A-Sn-¡p-dn-¨v NÀ-¨bpw kw-hm-Z Øm-\-am-¡n-bp-Å ]pXn-b hpw \S-¯n ka-bw I-f-bpB-hn-jv-I-m-c-§-fp-sS ImItbm sNbv-X Øm-]-\-§cy-¯n C´y atä-sXm-cp sfÃmw hn-kv-ar-Xn-bn-em-|pcm-Py-s¯-¡mfpw ap-¼n-emSn.sP dm-t^ ¡-gnªp. Cu \q-äm-|n-sâ Wv þ BÀ-«n-^n-jy CâXpS-¡w ap-X t^mÀ-Nyq¬ 500 I-¼- en-P³kv, sa-jo³ te-WnwKv, tdm\n-I-fn 52 i-X-am-\-hpw eb-\tam G- t_m-«n-Iv t{]mkkv Hm-t«m-ta-j³ sä-Sp-¡tem t\-cn-Sp-Itbm ]m-¸-cm-Ip- F-¶n-h-sbÃmw AÂ-`p-X-I-cam-b am-äItbm X-IÀ-¶-Sn-bp-Itbm sN-bv-Xnsâ §Ä sIm-|p-h-cpw. Un-Pn-ä k-¼-Zv ap-Jy-Im-c-Whpw C-Xp-Xs¶. cwK-¯v h-epXpw sN-dp-Xpam-b I-¼-\n\n-§Ä G-Xv _n-kn\-kv cw-K-¯m- IÄ-¡v ]-¦p-tN-cm³ X-Sk-§-sfm-¶pbmepw aÂk-cw G-Xv Zn-i-bn \n¶pw anÃ. h-cmw. Nn-e-t¸mÄ _n-kn\-kv tam-U-enCu-bn-sS h-¶ H-cp hm-Sv-km¸v k-tµsâ k-aq-eam-b am-äw- X-s¶-bm-Imw. iw \n-§Ä {i-²n-¨n-«p-|mImw þ
ssN-\-bn H-cp Im-a-d-bn-eq-sS c-|v e-£w B-fp-I-fp-sS ap-J-Nn-{X-sa-Sp-¡pIbpw A-X-Sn-Øm-\-am-¡n A-h-cp-sS s{I-Un-äv kv-tImÀ ]cntim-[n-¨v _m-¦p -IÄ-¡v hm-bv-]m Xo-cp-am-\-§Ä ssIs¡m-Åp-Ibpw sN-¿m-sa¶v. sSIv-t\m f-Pn \n-c´-cw D-]-t`m-àrtk-h-\-¯n\p-Å X-S-k-§tfm-tcm¶pw am-än-s¡m|n-cn¡pIbmWv. D-]-t`m-àm-¡-fp-sS B-h-iy§Ä am-dn-s¡m-|n-cn-¡p-I-bmWv: Ah-sc k-t´m-jn-¸n-¡m³ "Hu«v Hm-^v Zv t_m-Ivkv' B-i-b-§Ä A-h-X-cn-¸n¡p-¶-hÀ-¡m-Wv hn-Pbw. (ku¯v C-´y³ _m-¦v No-^v P-\-d am-t\-Pcpw CIObp-am-b Sn.sP dm-t^ ssS-tIm-Wn \-S¯n-b {]-kw-K-¯n-sâ kw{Klw)
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The Contrarian Consultant
amt\-Pvsaâv MANAGEMENT
bmYmÀ°yw DÄs¡mÅq Sn\n ^nen¸v
bm-YmÀ-°yw Aw-Ko-I-cn¡m-¯ tI-{µ kÀ¡mÀ {]-iv\-§Ä-¡v sX-äm-b {]-Xnhn-[n-I-fm-Wv \-S-¯n-s¡m|n-cn-¡p-¶-Xv
amµyw adnIS¡mw C
-´y³ k-¼-Zvhy-h-Ø am-µy¯n- e m- s W- ¶ v F- ´ p- s Im- | v Rm³ hn- i z- k n- ¡ p- ¶ p- s h- ¶ v I-gn-ª te-J-\-¯n hy-à-am-¡n -bn-cp-¶p. 2018  kw-Øm-\-¯v \m-iw hn-X-¨ sh-Å-s¸m-¡w, 2015 ap-X-ep-Å KÄ-^v {]-Xn-k-Ôn Xp-S-§n-b Im-c-W§Ä sIm-|v tI-c-f-¯n-sâ k-¼-Zv hy-h-Ø C-´y-bp-tS-Xn-t\-¡mÄ tam-iw A-h-Ø-bn-em-sW-¶ Im-cyw kv-]-ãam-Wv. C-t¸m-g-s¯ am-µyw Ip-td-¡m-ew \o-|p\nÂ-¡p-sa-¶m-Wv F-\n-¡v tXm¶p-¶-Xv. bm-YmÀ-°yw Aw-Ko-I-cn-¡m¯ tI-{µ kÀ-¡mÀ {]-iv-\-§Ä-¡v sX-äm-b {]-Xn-hn-[n-I-fm-Wv \-S-¯ns¡m-|n-cn-¡p-¶-Xv. Un-am³-Uv ssk-Uv {]-iv-\-¯n-\v k-ss¹ ssk-Uv {]-Xn-hn-[nbm-Wv {]-tbm-Kn-¡p-¶-Xv. bm-YmÀ-°yw Aw-Ko-I-cn-¡m³ X-bm-dm-bn-sÃ-¦n- \n§-fp-sS km-l-N-cyw sa-¨-s¸-Sp-¯p-¶-Xn\v A-\p-tbm-Py-am-b ]-cn-lm-c-w I-s|¯m³ I-gn-bn-sÃ-¶-Xv D-d-¸m-Wv.
kzbw I-s|¯mw ]-cn-lmcw
C´y-bnepw Pn.kn. kn cm-{ã-§-fn-ep-am-bn Øm-bnbm-b _n-kn\kv tam-U-ep-IÄ h-fÀ¯n-sb-Sp-¡p-¶-Xn\p-th-|n ZoÀ-LIm-e A-Sn-Øm-\-¯n kw-cw-`-I-cp-am-bn tNÀ¶v {]-hÀ-¯n-¡p-¶ _n-kn\-kv A-ssUzk-dm-Wv te-JI³. 1992 IIM (L) \n¶v PGDM F-Sp-¯X - n-\pti-jw _n-kn\-kv A-ssUz-kd - m-bn {]-hÀ-¯\w B-cw-`n-¨ A-t±-lw dn-kÄ-«vk - v I¬-kÄ-«nw-Kv {Kq-¸n-sâ No-^v F-Ivk - n-Iyq-«nhv Hm-^o-kd - m-Wv. website:
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HIv-täm_À 31, 2019
Table 1: Monthly Financials – Boom Time Code A B C D E F G H
Item Gross Sales Discounts/Scheme Expenses Net Sales COGS GP Sales Force OH Other OH Net Profit
Calculation
Rs 100 10
A-B 50% of A C-D
90 50 40 10 20 10
bm-Ip-I-bpw sN-bv-Xp. tS-_vÄ aq-¶n Im-Wn-¨n-cn-¡p-¶-Xp t]m-se G-gp cq-] \-ãw F-¶ Øn-Xn-bn-se¯p-I-bpw sNbv-Xp. F-¶m a-dp-h-i-¯v, ZoÀ-L-Im-e am-µy-¯n-emsW-¶v Xn-cn-¨-dn-ª dn-b-enÌn-Iv F³-{S-{]-WÀ B-h-iy-am-b \-S-]-SnIÄ F-Sp-¯p Xp-S-§n. tS_vÄ aq-¶n Im-Wp-¶Xp-t]mse B-Zyw, t]m-kn-äo-hv F³-{S-{]-W-sd t]m-se aäv sN-e-hpIÄ 20 cq-]-bn \n-¶v 17 cq-]-bm-bn Ip-d-¨p. A-\p-Iq-e-am-b k-a-b-¯v G-Xv skbvÂ-kv-am-\pw hnÂ-¸-\ \-S-¯m-\m-Ipsa-¶pw an-I-¨ sk-bvÂ-kv-am-\v am-{X-ta am-µyIm-e-¯v hnÂ-¸-\ km-[y-am-Iq-sh¶pw a-\-kn-em-¡n-b kw-cw-`-I³ {]-I-S-\ an-I-hv Im-«m-¯ sk-bvÂ-kv-am³-am-sc Hgn-hm-¡p-I-bpw, sk-bvÂ-kv t^m-gv-kv sNe-hv 10 cq-]-bn \n-¶v G-gp cq-]-bm-bn Ip-d-bv-¡p-I-bpw sN-bv-Xp. hn-]-Wn- B-hiy-s¸-Sp-¶ co-Xn-bn X-sâ DÂ-¸-¶¯n-sâ hn-e Ip-d-bv-¡m³ X-bm-dm-bm an-I-¨ sk-bvÂ-kv-am-\v Iq-Sp-X hnÂ-¸\ \-S-¯m-\m-Ip-sa-¶v Iq-Sn kw-cw-`-I³ a-\-kn-em-¡n.
hn-hn-[ cm-{ão-b Im-c-W-§-fm-em-Wv bm-YmÀ-°yw DÄ-s¡m-Åm³ tI-{µ kÀ¡mÀ a-Sn-¡p-¶-sX-¶v \-ap-¡-dn-bmw. F E-F-G -¶m F-s¶ A-Ûp-X-s¸-Sp-¯p-¶ Imcyw, k-¼-Zvcw-Kw Np-cp-§p-¶p-sh-¶-Xv Table 2: Monthly Financials – Aw-Ko-I-cn-¡p-¶-Xn-eq-sS ]-e kw-cw-`-IInitial Phase of Recession cpw C-t¸m-gpw ]-d-bp-I-bpw {]-hÀ-¯n-¡pCode Item Calculation Rs I-bpw sN-¿p-¶-Xv A-§-s\-sbm-cp ZoÀA Gross Sales 90 LIm-e am-µyw C-sÃ-¶ X-c-¯n-em-sW B Discounts/Scheme 15 -¶-Xm-Wv. C-Xv kwcw-`I - X - z B-ib - § Expenses tfm-Sp-Å h-©\-bm-bm-Wv F-\n-¡v A-\pC Net Sales A-B 75 `-hs - ¸-Sp¶-Xv. {]-iv\ - §-sf a-d¨ - p sh-¨p D COGS 50% of A 45 sIm-|v bm-YmÀ-°y-s¯ Xn-ck - vI - c - n-¡pE GP C-D 30 I-bpw A-tX-ka - b - w t]m-kn-äo-hm-bn kwF Sales Force OH 10 km-cn-¡p-Ib - pw sN-¿e - à - kw-cw-`I - X - zw. G Other OH 20 a-dn-¨v, bm-YmÀ-°y-s¯ Aw-Ko-I-cn th|Xv H Net Profit E-F-G 0 -¨p sIm-|v \n-§-fp-sS km-l-Ncyw sa-¨_p²n] -cam-b \o¡w s¸-Sp-¯m-\p-Å i-cn-bm-b ]-cn-lmTable 3: Monthly Financials – Middle Phase of Recession c-amÀ-Kw A-h-ew-_n-¨p sIm-|v apsk-bvÂ-kv sN-e-hneq-sS t\t¶-dp-I-bm-Wv th-|-Xv. Code Item Calculation Positive Realistic Sn-b em-`w Un-kv-Iu-|p-I-fm-bpw Entrepreneur Entrepreneur c-|p X-c-¯n-ep-Å kw-cw-`-IÀ-þ kv-Io-ap-I-fm-bpw A-t±-lw hn-]Rs Rs H-¶v, ZoÀ-L-Im-e am-µy-¯n-em-sW Wn-bn-te-¡v X-s¶ \Â-In. CuA Gross Sales 80 100 -¶v Aw-Ko-I-cn-¡m-¯ t]m-kn-äo-hv sbm-cp ]n-´p-W e-`n-¨-tXm-sS, B Discounts/Scheme 20 30 kw-cw-`-I-\pw c-|m-a-t¯-Xv bmsk-bvÂ-kv-am³ \-à k-a-b-¯v e-`nExpenses YmÀ-°y-s¯ Aw-Ko-I-cn-¡p-¶ dn-b ¨n-cp-¶ 100 cq-]-sb-¶ hnÂ-¸-\-bnC Net Sales A-B 60 70 -en-kv-än-Iv kw-cw-`-I-\pw-þ F-§-s\ te-¡v Xn-cn-s¨-¯p-I-bpw D-bÀ-¶ D COGS 50% of A 40 40 -bm-Wv A-h-cp-sS km-l-N-cyw sa-¨C³-sk³-do-hv \Â-Ip-¶-Xn-\m E GP C-D 20 30 s¸-Sp-¯m³ {i-an-¡p-¶-Xv F-¶v t\msk-bvÂ-kv t^m-gv-kv sN-e-hv 10 F Sales Force OH 10 10 ¡mw. an-I-¨p \nÂ-¡p-¶ k-a-b-¯v cq-]-bn-te-¡v X-s¶ B-Ip-I-bpw G Other OH 17 17 c-|v kw-cw-`-I-cp-sS-bpw {]-Xnam-k sN-bv-Xp. sk-bvÂ-kv So-an-\v D-bÀH Net Profit E-F-G -7 3 ^n- \ m³- j yÂ- k v CtXm- s Sm¸w ¶ C³-skâo-hv \Â-In-sb-¦ntS-_vÄ H-¶n Im-Wp-¶-Xp t]m epw I-¼-\n-bp-sS A-ä em-`w, se-bm-sW-¶v k-¦Â-¸n-¡p-I. ZoÀ-LIm-e am-µy-aps|¶ bm-YmÀ-°yw tS-_vÄ aq-¶n Im-Wn-¨n-cn-¡p-¶Aw-Ko-I-cn-¡m-¯ t]m-kn-äo-hv F³-{S-{]Xp t]m-se aq-¶p cq-]-bm-bn hÀ-[n-¨p. c-|p t]-cp-sS-bpw sam-¯ hnÂ-¸-\ WÀ aäv sN-e-hpIÄ 20 cq-]-bn \n-¶v \q-dp cq-]-bp-tS-Xpw A-ä em-`w 10 cq-]-bpH-cp b-YmÀ-° kw-cw-`-I³ bm-Ym-À17 cq-]-bm-bn Ip-d-¨p. am-bn-cp-¶p. am-µy¯n-sâ Xp-S-¡ Im-eYyw Aw-Ko-I-cn-t¡-|-Xpw A-Xn-\-\p-k¯v tS-_vÄ c-|n Im-Wp-¶-Xp t]m-se am-µy-¯n-sâ a-[y-L-«-¯n t]m-kncn-¨v {]-hÀ-¯n-t¡-|-Xp-ap-|v, {]-tXy-Inc-|p t]-cp-sS-bpw sam-¯ hnÂ-¸-\ 90 äo-hv F³-{S-{]-W-dp-sS sam-¯ hnÂ-¸-\ ¨pw am-µy-Im-e-¯v F-¶v \-ap-¡v C-Xn cq-]-bm-bn Ip-d-ªp. em-`w C-Ãm-Xm-bn. 80 cq-]-bm-Ip-I-bpw A-ä hnÂ-¸-\ 60 cq-]\n-¶v a-\-kn-em-¡mw.
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sSIvt\m-fPn TECHNOLOGY
sN-dpIn-S kw-cw-`-IÀ¡m-bn ]pXn-b km-t¦Xn-Ihn-Zy-Ifpw A-h-bp-sS {]m-tbm-Kn-I-Xbpw `m-hn km-[y-X -Ifpw ]-cn-N-b-s¸-Sp-¯p-¶ ]w-àn
XoÀ¡mw, Techno Confusions-2
s{]m^. hÀ-¡n ]-«n-a-äw
Hmlcn hym]mcw C\n sajn³ teWnwKneqsS Hmlcn ZÃmfnsâ _p²nbpw Ignhpw H¶pw C\n th|! ]e Øm]\§fpw sajn³ teWnwKnte¡v amdn¡gnªp
30
hÀ-jw ap-¼v, t_mw-s_-bn \n¶v D-¨-tbm-sS F-¯p-¶ C¡-tWm-an-Iv ssSw-kv ]-{Xw hmbn-¡p-¶ Np-cp-¡w Nn-eÀ-¡v am-{X-ta \-½p-sS \m-«n Hm-l-cn- hn-]-Wn-bp-sS K-Xn-hn-K-Xn-I-sf-¸-än F-s´-¦n-epw hn-hc-ap-|m-bn-cp-¶p-Åq. A-Xn-sâ A-SnØm-\-¯n Hm-l-cn t{_m-¡À-amÀ C-S-]m-Sp-Im-sc D-]-tZ-in-¡p-am-bn-cp-¶p. sk-änÂ-saâv \-S-¡p-¶-Xv c-|m-gv-N-bnsem-cn-¡Â am-{Xw. Hm-l-cn Z-Ãm-f-·m-cpsS A-\p-`-h k-¼-¯pw hn-i-I-e-\ tijn-bpw A-t¶-sd- {]-[m-\-am-bn-cp-¶p. Im-ew am-dn, Hm-l-cn hn-]-Wn-bpw am-dn. tUm-fÀ hn-e-bpw kzÀ-W-hn-e-bpw {IqUvHm-bv e-`y-X-
A-Xn-th-Kw, a-\pjy-sâ CS-s]-S-en-\v Im-¯p-\nÂ-¡m-sX, b-{´-§Ä Xo-cp-am-\sa-Sp-¯v, A-X-\p-k-cn-¨v hnÂ-¸-\-bpw hm-§-epw \-S-¯p-¶-Xn-\m-em-Wv sa-jn³ te-Wnw-Kn-eqsS A-Xn-th-Kw hym-]mc-§Ä \-S-¡p-¶-Xv bpw am-{X-a-à C-¶v Hm-l-cn-hn-]-Wn-sb \n-b-{´n-¡p-¶-Xv. {Sw-]n-sâ Szn-äÀ k-tµ-i-§Ä, tem-I-s¯-hn-sS-b-¦n-epw B-ª-Sn-¡p-¶ sIm-Sp-¦m-äv, ]p-Xn-b tkm-fmÀ _m-ä-dn-bp-sS I-|p-]n-Sn-¯w, Aw-_m-\n-bp-sS "]-\n' F-¶n-§-s\ \q-dv \q-dv Im-cy-§-fm-Wv C-¶v Hm-l-cn hn-]-Wn-sb kzm-[o-\n-¡p-¶-Xv. C-S-]mSp-Im-cp-sS am-dp-¶ a-t\m-hn-Im-c-§-fpw km-aq-ly-cm-{ão-b a-Þ-e-§-fn-se
kw-`-h-h-nIm-k-§-sf-¸-än-bp-Å hmÀ-¯I-fpw Hm-tcm \n-an-j-hpw Hm-lcn-hn-e-Ifn {]-Xn-^-en-¡pw. C-sX-Ãmw hn-i-I-e-\w sN-bv-Xv _p²n-]qÀ-h-am-b Xo-cp-am-\-§-fn-se-¯m³ an-Sp-¡-cm-b Hm-l-cn t{_m-¡À-amÀ-¡v _p-²n-ap-«n-Ã. F-¶m a-\p-jy-sâ X-et¨m-dn-\v H-tc-k-a-bw ssI-Imcyw sN¿m-\m-Ip-¶ Umä-¡v H-cp ]-cn-[n-bp-|v. A-Xn-t\-¡mÄ A-t\-I-a-S§m-Wv Iw-]yq-«-dn-sâ Um-äm hn-i-I-e-\ti-jn-bps-S ]-cn[n. A-Xn-\mÂ
F-¶m sa-jn³ te-Wnw-Kv tkm-^vävshbÀ am-dnh-cp-¶ km-l-N-cy-§-fn \n-¶v Im-cy-§Ä ]Tn-¨v A-X-\p-k-cn-¨v bp-à-am-b Xo-cp-am-\-§Ä kz-bw F-Sp¡p-¶p. C-§-s\ A-Xn-th-Kw, a-\p-jysâ CS-s]-S-en-\v Im-¯p-\nÂ-¡m-sX, b-{´-§Ä Xo-cp-am-\-sa-Sp-¯v, A-X-\pk-cn-¨v hnÂ-¸-\-bpw hm-§-epw \-S-¯p¶-Xn-\m-em-Wv sa-jn³ te-Wnw-Kn-eq-sS A-Xn-th-Kw hym-]m-c-§Ä \-S-¡p-¶-Xv. C-hn-sS Hm-l-cn Z-Ãm-fn-sâ _p-²n-bp-sSbpw I-gn-hn-sâ-bpw {]-k-àn Ip-d-ªpIp-d-ªv h-cp-I-bm-Wv.
A-Sp-¯ \q-äm-|n A-ta-cn-¡bn-epw a-äpw \-S-¡m³ km-[y-X-bpÅ km-t¦-Xn-I hn-¹-h-s¯-¸-än-b-à ]-d-ªp-h-cp-¶-Xv. \-½p-sS \m-«n-se ]-e Øm-]-\-§-fn-epw C-¶v sa-jn³ te-Wnw-Kv {]-tbm-P-\-s¸-Sp-¯p-¶p-|v.
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Hcp -DZm-l-c-Ww am-{Xw. HAL ap³ Fw-Unbpw am-t\-Pv-saâv A-[ym-]-I\pw F-«v im-kv-{X {K-Ù-§-fp-sS c-N-bn-Xm-hpam-Wv te-JI³ (www.pattimattom.weebly.com)
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a-\p-jy³ c-|v an-\n-äv sIm-s|-Sp-¡p-¶ Xo-cpam-\w- F-Sp-¡m³ b-{´-¯n-\v H-cp sk-¡³-Up-t]m-epw th-|. t{_m¡À-¡v H-cp an-\n-än c-t|m aq-t¶m C-S-]m-Sp-IÄ \-S-¯m³ km-[n-¡p-¶ Øm-\-¯v tkm-^v-ävsh-b-dn-\v \q-tdm A-ªq-tdm C-S-]m-Sp-IÄ H-ä-b-Sn-¡v \-S¯m³ I-gn-bpw. A-Xm-b-Xv tkm-^v-äv sh-bÀ D-]-tbm-Kn-¨v \-S-¯p-¶ C-S-]mSp-IÄ a-\p-jy-sâ C-S-s]-S-en-t\-¡mÄ h-f-sc ap³-t] \-S-¶n-cn-¡pw. A-§-s\ em-`w ap-gp-h³ tkm-^v-ävsh-b-À C-S-]mSp-IÄ th-K-X-bp-sS _-e-¯n X-«n-sbSp-¡pw. a-\p-jy³ F-{X th-K-¯n-temSn-bm-epw Ip-Xn-¨p-]-mbp-¶ kv-I-q«-dn-s\ a-dn-I-S-¡m-\m-In-Ã-tÃm.
CS]m-Sp-IÄ A-Xn-th-K-¯nÂC-¯-cw A-Xn-th-K-X-bp-Å tkm^v-äv-sh-bÀ hym-]m-c-¯n-\v km-[m-c-W Iw-]yq-«À t{]m-{Km-ap-IÄ t]m-c. \nÀan-X _p-²n {]-tbm-P-\-s¸-Sp-¯p-¶ sajn³-te-Wnw-Kv km-t¦-Xn-I hn-Zy-I-fmWv C--Xn-\m-bn {]-tbm-P-\-s¸-Sp-¯-p¶-Xv. km-[m-c-W t{]m-{Km-ap-I-fn sIm-¨p-Ip-«n-IÄ-s¡-¶-t]m-se Hm-tcm \nÀ-tZ-i-hpw Ir-Xy-am-bn \Â-I-Ww.
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Wellness
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Classifieds TRADEMARK
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Xn-
c-¡p \n-d-ª Po-hn-X-¯n tbm-K- {]-Zm\w sN-¿p-¶ G-ä-hpw h-en-b Kp-Ww kv-s{S-kv {^o sse-^v X-s¶-bm-Wv. kv-s{S-kv Ip-d-bv¡m³ \n-§Ä-¡v sN-¿m³ I-gn-bp-¶ h-f-sc e-fn-X-hpw F-¶m Po-hn-X-¯n h-f-sc hen-b -am-äw sIm-|p-h-cp-¶-Xp-am-b H-cp amÀ-Kw ]-cn-io-en-¡mw.''{_o-¯nw-Kv' A-Y-hm tbm-Kn-Iv {_o-¯nw-Kv. C-Xn-\v G-sd k-a-b-sam-¶pw th|, \-½-sfÃm-h-cpw C-Xp-h-sc sN-bv-Xp-t]m¶n-cp-¶ sX-äm-b iz-k-\ {]-{In-b-bn \n-¶p am-dn-¨n-´n-¡m³ X-¿m-dm-bm a-Xn. F§s\sb-¶v t\m¡mw. \n-§-fp-sS h-e-Xp-ssI h-b-dn-sâ ta-se h-bv¡p-I. sa-sà izm-kw A-I-t¯-s¡-Sp-¯p-sIm|v a-\-Ên A-©v h-sc F-®p-I. AtX-t]m se A-©v h-sc F-®n izm-kw sa-sà ]p-d-t¯¡p hn-Sp-I. A-I-t¯-¡v izm-k-sa-Sp-¡p-t¼mÄ h-bÀ D-bÀ-¯p-I-bpw ]p-d-t¯-¡p izm-kw hnSp-t¼mÄ h-bÀ A-b-¨p hn-Sp-I-bpw sN-¿-Ww. ]-¯p X-h-W C-Xm-hÀ-¯n-¡pI. C-\n \n-§fp-sS C-S-Xv ssI s\-©n h¨v A-tX iz-k-\ co-Xn 10 X-h-W B-hÀ-¯n-¡pI.
Subscribe Now! C-\n \-ap-¡v "U-b-{^-am-än-Iv {_o-Xv', "sXmdm-kn-Iv {_o-Xv' F-¶n-h-bp-sS an-{i-Ww F-§s\-sb-¶p t\m-¡mw. \n-§-fp-sS h-e-Xp ssI h-b-dn-epw C-S-Xp-ssI s\-©n-ep-am-bn h-bv-¡pI. a-\-Ên A-s©-®n-s¡m-|v sa-sà izm-kw A-I-t¯-s¡-Sp-¡p-I-bpw A-Xv t]m-se ]p-d -t¯-¡p hn-Sp-I-bpw sN-¿p-I. CXpw ]-¯p Xh-W B-hÀ-¯n¡pI. Cu {_o-¯nw-Kp-am-bn ]-cn-Nn-X-cm-bn-¡-gn-ªm ]n-¶o-Sv {]m-Îo-kv sN-¿m-hp-¶-Im-cy-am-Wv C-\n ]-d-bp-¶-Xv. izmk-sa-Sp-¡p-t¼mÄ c-|v ap-X A-©v h-sc a-\-Ên F-®n izm-kw ]n-Sn-¨p \nÀ-¯mw. A-¯-c-¯n \-½p-sS {_o-¯nw-Kv sS-Iv-\n-¡ns\ am-ämw. A-Xm-b-Xv izm-kw A-I-t¯-s¡-Sp¡p-I þ ]n-Sn-¨p \nÀ-¯p-I-þ ]p-d-t¯-¡p-hn-Sp-I. {_o-¯nw-Kv s]m-kn-j³ B-Wv i-²n-t¡-| a-säm-cp Im-cyw. \-s«-Ãv \n-hÀ-¯n kz-Ø-am-bn C-cp-t¶m, \n-hÀ-¶v \n-e-¯v In-S-¶p sIm-t|m C-Xv {]m-Îo-kv sN-¿mw. F-Ãm- Zn-h-k-hpw cm-hnse-bpw cm-{Xn D-d-§m³ t]m-Ipw ap-¼pw C-Xv sN-¿mw. Cu k-ab-¯v a-\-kn t]m-kn-än-hn-än \n-d-bv-¡p-¶ Im-cy-§Ä B-tem-Nn-¡pI.
Kp-W-§Ä $ kv-s{S-kv, D-Xv-I-WvT, Un-{]-j³, F-¶n-h \n-b-{´n-¡p-¶p. $ F-\À-Pn se-hÂ/ Hm-Iv-kn-P-t\-j-³- F-¶n-h D-bÀ-¯p-¶p. $ a-kn-ep-I-sf dn-em-Iv-kv sN-¿n-¡p-¶p, a-\-Ên-s\ im-´-am-¡p-¶p $ G-Im-{K-X hÀ-[n-¸n-¡p-¶p. \q-X³ a-t\m-lÀ, ssa³-Uv t_m-Un C-âÀ-sh³-j³-kv F-Iv-kv-t]À-«v "an sa-äv an' Øm-]-I, sX-dm-]yq-«n-Iv s]À-^yq-av-kv kw-cw-`-I. nuthansm@gmail.com
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HIv-täm_À 31, 2019
[\w hyh-kmb hmWnPy ssZzhm-cnI
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Ct¸mÄ hn]WnbnÂ
{]apJcpsS DÅnencp¸v F´mWv ? cm-{ão-bw, kn-\n-a, _n-kn-\-kv, km-aq-ly {]-hÀ-¯-\w Xp-S-§n-b hy-Xy-kv-X ta-J-e-I-fn \n-¶p-Å- {]-ap-J hy-àn-Xz-§fpsS C-ã-§Ä, C-ã-t¡-Sp-IÄ, {]n-b-s¸-«- HmÀ-a-IÄ... ]pkvXI cq]¯n {]-i-kv-X-sc Iq-Sp-X a-\-kn-em-¡mw. A-h-cp-sS Po-hn-X-s¯ A-Sp-¯-dn-bm-w-. A-hÀ-¡v hn-P-b-§Ä t\-Sn-s¡m-Sp-¯ io-e-§Ä kzm-b-¯-am-¡m-w hne `250, t]Pv 210
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Responsible Business coXnIÄ F¶nh ]T\ hnt[bam¡n. c-|p am-k-¯n-\p ti-jw B-Zy D¸¶w "an-«n' F-¶ shÀ-anIw-t]mkv-äv A-h-X-cn-¸n-¨p. sF-sF-Sn- Im¬-]q-cn \n-¶v sNdn-sbm-cp ^-|nw-Kv t\Sn-b ti-jw {]-Ir-Xn ku-lr-Zam-b [q-]-¯n-cnIÄ, [q-]-Ip-än-IÄ F¶nh '^qÂ' F-¶ {_m³-Un \nÀ-an-¨p Xp-S-§n. ""C¶v R§Ä bp]nbnse aq¶v \Kc§fn \n¶v amen\y ]q¡Ä tiJcn¡p¶p. Cu ]pjv]§fn \n¶v D¸m -kn\-kv F-¶m Zn¸n¡p¶ Xncn Hmtcm an\n shdpw ]-W-ap-|mänepw Hcp ]mbv¡v ¡Â am-{X-aÃ. k-aq-lw F¶ tXmXn hnäv A-`n-ap-Jo-I-cn-¡p-¶ {]-ivt]mhp¶p|v.'' \-§Ä-¡v H-cp ]-cn-lm-cw C-Xn-\n-S-bn-emtX-S Iq-Sn-bm-Wv. A-¯Wv a-säm-cp {]-iv-\w c-¯n kw-cw-`-I-cm-b-hC-h-cp-sS {i-²-bnÂcm-Wv Im¬-]qÀ kz-tZ-ins]-«Xv. ssZ-ho-Iam-b Ifm-b A-¦nXpw I-c¬ Im-cy-§Ä-¡p-]-tbmdkv-tXm-Kn-bpw. \m-ev Kn-¡p-¶ h-kv-Xp-¡Ä hÀ-jw ap³-]v KwKm L th-kv-än-en-Sm³ B-fp-«n t]m-b-t¸mÄ t£A-¦nX pw I-c¬ IÄ a-Sn-¡p-¶-Xn-\m {X-§-fn \n-¶v temdkv-tXm -Kn-bpw A-h-bp-sS ]m-¡-äp-IÄ Uv-I-W-¡n\v ]qPm ]p ho|pw ]p-g-bn-te-¡v jv]-§Ä \-Zn-bn-te¡v F-dn-bp-¶-p. A-Xv H-gnhens¨dnbp¶-Xv {i-²-bnÂ-s¸-«Xm-Wv hm-¡m-\m-bn C¯-cw Ch-sc Im¬-]qÀ ^v-f-hÀ ssk-¢nwKv F-¶ ]m-¡-äp-I-fn Xp-fkn-bp-tSbpw aäpw hn-¯p-IÄ kw-cw-`-¯n sIm-|p sN-s¶-¯n-¨Xv. ]-Xn-¸n-¨v Ah-sc A-Xv a-®n-en-«v ap-f-¸n-s¨-Sp""FÃm Znhkhpw Ace£t¯mfw B ¡m³ t{]-cn-¸n¨p. fpIÄ t£{X§fn t]mbn tZh·mÀ¡v 2018 em-Wv Im¬-]qÀ ^v-f-hÀ ssk-¢nwKv ]pjv]§Ä AÀ¸n¡p¶p, Hmtcm hÀjhpw F-¶ I¼-\n C-cp-hcpw tNÀ-¶v Øm-]n\½Ä F«v Zie£w S®ne[nIw ]pjv]§Ä ¡p-¶Xv. C-hn-sS \n¶v ]pjv]§fn \n¶v ]pgbnepw Xpd¶ Øe¯pw CSp¶p. IoS \nÀ½n¨ _tbmUot{KU_nÄ ]mt¡PnwKn \min\nIÄ AS§nb ]pjv]§Ä AgpIn \mbpÅ ^tvfmd-t^mw- \nÀ-an¨p Xp-S§n. `qan Pemib§fpsS BhmkhyhØ \in¡p bnse A©mas¯ henb aen\oIcWamb ¶p. CXv sl¸ssäänkv, tImfd, OÀ±n sXÀtamtImfn\v _Z-embn ^vtfmd-t^mw am-dpF¶nhbv¡pw ImcWam-Ip-¶p. Cu Xn-cn-¨-dnsa-¶m-Wv C-hÀ ]-d-bp-¶Xv. ]pjv]§fn \n¶v hm-Wv C-Xn-s\-Xn-sc F-s´-¦nepw sN-¿-W-sa-¶ \nÀ½n¨ HmÀKm\nIv seXdm-Wv ]pXnb DÂ-¸tXm-¶Â D-|m-¡nbXv. ' A-¦n-Xv ]-d-bp¶p. ¶w. Im¬]qcnepw ]cnkc¯pw Iã¸mS\p A§-s\ tPm-en cm-Pnh-¨v C-cp-h-cpw Help `hn¡p¶ H«\h-[n kv-{Xo-IÄ¡v C-Xph-gn tPmus green F-¶ kw-cw-`w Xp-S-§n. ]pjv]hn] en \Â-Im\pw C-h-cp-sS kw-cw-`-¯n-\v km-[n¨p. Wn, D]tbmKw, AXv ]p\cp]tbmKw sN¿p¶
]pjv]amen\y§fn hncnsªmcp
kpKÔ kwcw`w _n
Books
kv- -In³ C³ Zn sKbnw "_v-fm¡v kzm³' F¶ {]ikvXamb ]pkvXIw FgpXnb \kow
\ntImfmkv Xmte_nsâ "kv-In³ C³ Zn sKbnw' ASp¯ Imes¯ tkmjy aoUnbbnse tlm«vv Unkv-Ij\pIfnsem¶mWv. kv-In³ C³ Zn sKbnw, t]cv t]mse Xs¶ Hmtcm hyànbpw Xsâ taJebn {]Xn` sXfnbn¡m³ sNept¯| DÕmlhpw BßmÀ°amb ]cn {iahpamWv ]pXnb Hcp Xe¯n \n¶psIm|v AhXcn¸n¨n«pÅXv. km[mcW ]uc·mÀ, t]meokv, cm{ãob t\Xm¡Ä, ao³]nSp¯¡mÀ, kwcw`IÀ F¶nhscÃmw 'kv-In³ C³ Zn sKbnan'epÅhcmWv. AXmbXv \ã§Ä¡pw ]cmPb§Ä¡pw F´n\v hnPb¯n\pt]mepw dnkv-Iv GsäSp¡p¶À. PohnX¯n \mw A`napJoIcnt¡|XmbpÅ dnkv-Iv amt\Pv-saânsâ hyXykvX Xe§sf hfsc BImwj P\n ¸n¡p¶ Xc¯n AhXcn¸n¡m³ Fgp¯pImc\v Ignªn«p|v. Ime§fmbn dnkv-IpIsf¡pdn¨pw {]Xn^es¯¡pdn¨pw, cm{ãobw, aXw, _nkn\kv XpS§nbhsb¡pdn¨psams¡bpÅ hnizmk§sfbmWv kv-In³ C³ Zn sKbnw s]mfns¨gpXp¶Xv.
Zn t^mÀape; Zn kb³kv _nssl³Uv ssh ] o¸vÄ kIv-k- oUv HmÀ s^bv FÃmhcpw Ft¸mgpw hnPbnItfmSv tNmZn¡p¶ Hcp tNmZyamWv
"\n§fpsS kIv-kkv t^mÀape' F´mWv F¶pÅXv. F¶m _d_mknbpsS Zn t^mÀape; Zn kb³kv _nssl³Uv ssh ]o¸vÄ kIv-koUv HmÀ s^bv F¶ ]pkvXI¯neqsS kIv-kkv t^mÀapesb¶, FÃmhcpw IcpXnt¸m¶ncp¶ Nne sXämb kahmIy§fpsS s]mfns¨gp¯mWv ]dbp¶Xv. AXmbXv Afhv tImenÃm¯ Nne t\«§Ä¡v hnPbw \nÀWbn¡p¶Xv Smeâv AÃ. a-dn-¨v \n-§-fp-sS s\-ävhÀ-¡nw-Kv BWv. _d_mknbpsS `mjbpsS iànbpw {]tbmK§fpsS icnbmb D]tbmKhpw sImïvanI¨ hmb\m\p`hamWv Cu ]pkvXIsa¶v ]dbmw. [\w hyh-kmb hmWnPy ssZzhm-cnI
HIv-täm_À 31, 2019
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hyàn-Nn{Xw
PERSONALITY SKETCH
hnhn-[ cw-K-§-fn-se {]-i-kv-X-cp-sS hy-àn hn-ti-j§Ä
The Motivational
Businessman B-\-µv tKm-]m a-lo-{µ sN-bÀ-am³, a-lo-{µ {Kq-¸v
1955  apw-ss_-bn P-\n-¨ B-\-µv a-lo-{µ lmÀ-hmÀ-Un \n-¶v Fw-_n-F ]qÀ-¯nbm-¡n-b ti-j-am-Wv Ip-Spw-_ _n-kn-\ -kn tN-cp-¶-Xv G-I-tZ-iw 2100 tIm-Sn bp-F-kv tUm-f-dm-Wv {Kq-¸n-sâ hmÀ-jn-I h-cp-am-\w. 2.4 e-£w Po-h-\-¡m-cpw 2018 se I-W-¡-\p-kcn-¨v {Kq-¸n-\p-|v.
kmaq-lyam-[y-a-§-fn k-Po-ham-b B\-µv a-lo-{µbv-¡v Szn-ä-dn 73 e-£w t^m-tfmth-gv-kpïv.
tem-II-¸v ^p-Sv-t_m-fn kv-s]bv³ þ t]mÀ-«v-K a-Õ-c¯n-sâ a-e-bm-fw I-aâ-dn-bn ssj-Pp Zm-tam-Zc-sâ ssl thmÄt«-Pv {]-I-S-\-hpw Xr-iqÀ PnÃ-bn-se am-f-bn Zn-h-khpw Ip-Xn-c-¸p-c-t¯-dn ]Tn-¡m³ t]m-Ip-¶ s]¬-Ip-«nbpw sIm-¨n-bn Nmb-¡-S \S-¯n tem-I -k-©m-cw \-S-¯p-¶ Z-¼-Xn-Ifpw B\µv a-lo-{µ-bp-sS Szo-äp-I-fn I-S-s¶¯n-bn-«p-ïv. C-¡mc-Ww sIm-ïp Iq-Sn C-h-sbÃmw tZ-io-b-X-e¯n hmÀ-¯-bm-Ip-Ibpw sN-bv-Xp.
1989  FIvknIyq«nhv Akn Ìâmbn Øm]\¯n tNÀ¶ B\µv ]Sn]Snbmbn DbÀ¶v I¼\nbpsS kmcYy ¯nse¯n. BtKmf \nehm chpw hnPbhpw e£yan«v At±lw Xsâ Soans\ Hcp¡n tIm¬-s^-U-td-j³ Hm-^v C-´y³ C³-U-kv -{Sn {]-kn-Uâv, Hm-t«m-tam-«o-hv dn-kÀ-¨v A-tkm-kn-tb-j³ Hm-^v C-´y, lmÀ-hmÀ-Uv _n-kn-\-kv kv -Iq-Ä A-tkm-kn-tb-j³ Hm-^v C-´y, thÄ-Uv C-¡-tWm-an-Iv t^m-dw tIm sN-bÀ-t]-gv-k¬ Xp-S-§n-b \n-e-I -fn-se-Ãmw {]-hÀ-¯n-¨v h-fÀ-¶p h-cp-¶ kw-cw-`-IÀ-¡v k-lm-b -l-kv-Xw \o-«m-\pw A-t±-lw X-bm-dm-hp-¶p
k-Xyw Iw-]yq-t«-gv-kv, tc-h C-e-{În-Iv tamt«mÀ-kv, kmw-tKymw-Kv tam-t«mÀ I-¼-\n F-¶nh-sb G-sä-Sp-¡m-\pw B-\-µv a-lo-{µ-bp-sS t\-Xr-Xz-¯n I-¼\n-¡m-bn
sk-bv-enwKv, sS-¶okv, hm-b-\ F-¶n-h-bn AXo-h X -¸-c-\mWv. G-jy-bn-se G-ä hpw hen-b »q-kv s^-Ìn-hem-b a-lo-{µ »q-kv s^-Ìn-h-en-sâ Øm-]-I-\m-Wv. Du-«n-bn-se eu-sUbv kv-Iq-fn ]T-\w \-S-¯n-bXn-\m X-an-gv \-¶m-bn A-dn-bmw. ^n-enw ta-bv-¡nw-Kn-epw BÀ-¡n -sS-Iv-N-dnepw lmÀ-hmÀ-Un \n-¶v _n-cp-Zw t\-Sn-bn-«pïv.
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HIv-täm_À 31, 2019
hepXmbn Nn´n¡pI, Øntcm Õmlw hfÀ¯pI, {]iv\ §Ä kam[m\]cambn ]cn lcn¡m³ ]Tn¡pI, \nc´cw ]Tn¨p sImïncn¡pI XpS §nb Imcy§fmWv B\µv alo{µbpsS PohnXw ]Tn¸n¡p¶Xv
[\w hyh-kmb hmWnPy ssZzhm-cnI
kn\nam \nÀam W¯nepw t^mt«m{K^n bnepw X¸c\mWv B\µv alo{µ. XnbäÀ taJebn alo{µ FIvke³kv AhmÀUv GÀ s¸Sp¯m\pw At±lw Xbmdmbn. Ie IcIuie taJebn {]ZÀ i\§Ä kwLSn¸n¨v B taJe tbmSpÅ Cãhpw At±lw shfns¸Sp¯p¶p
A-t±-l-¯nsâ t\-Xr-Xz-¯n-emWv I-¼-\n ssh-hn-[y-h-XvI-c-W-¯n-te-¡v Xn-cn-ª-Xv. bp-«n-en-än sh-ln-¡v-Ä-kv, sF-än, sh-t¡-j³ Hm-WÀ-jn-¸v, dn-b F-tÌ-äv sU-h-e-]v-saâv, F-bv-tdm kv-t]-kv, do-sä-bvÂ, {]-Xn-tcm-[w, DuÀ-Pw, km-¼-¯n-I tk-h-\§Ä, tem-Pn-kv-än-Iv-kv Xp-S-§n hn-hn-[ ta-J-e-I-fn a-lo-{µbp-sS km-¶n-[y-ap-|v. {^-©v kÀ-¡m-cn \n-¶v ss\-äv Hm-^v Zn HmÀUÀ Hm-^v sa-dn-äv ]p-c-kv-Im-cw A-t±-lw t\-Sn-bn-«p-|v. tem-Ikz-´w hn-`-h-§Ä ¯nse a-lm-•m-cm-b 50 eo-tU{]-tbm-P-\-s¸-Sp-¯n-bm gv-kn-s\ t^mÀ-Nyq¬ am-K-kn³ C-´y-bv-¡v h³-tXm-Xn ap-t¶sX-c-sª-Sp-¯-t¸mÄ A-Xn-epw dm-\m-hp-sa-¶v A-t±-lw hn-iz-knC-Sw ]n-Sn-¨p. _n-kn-\-kv cw¡p-¶p. hn-`-h-§-fp-sS A-`m-h-hpw K-¯v \Â-In-b kw-`m-h-\ A-gn-a-Xn-bp-am-Wv C-´y-bn {]-Xn-`-I]-cn-K-Wn-¨v cm-Po-hv Km-Ôn sf Xp-S-cm³ A-\p-h-Zn-¡m-¯-Xv. \-½p-sS A-hmÀ-Upw an-I-¨ tUm-Iv-äÀ-am-cpw F³-Pn-\o-bÀ-am-cpsam-s¡ bp-F-kv A-S-¡-ap-Å hn-tZ-i-§fn-em-Wv. A-hÀ-¡v C-hn-sS tPm-en-sb-Sp¡m-³ km-l-N-cy-ap-|m-bm cm-Pyw km-¼-¯n-I-am-bn X-s¶ D-b-cp-sa-¶v A-t±-lw hn-iz-kn-¡p-¶p.
Dhanam Vyavasaya Vanijya Dwaivarika - October 31, 2019 - `30
Registered No.KL/EKM/032/2018-20 RN 44620/87
Printed and published by Vijay Kurian Abraham for Dhanam Publications Pvt. Ltd., Cheruparambath Road, Kadavanthra, Kochi-682 020. Printed at S.T.Reddiar & Sons, Ernakulam. Editor: Kurian Abraham