October 31, 2019 by Dhanam Publications

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HIv-täm_À 31, 2019

Calendar of Events

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HIv-täm_À 31, 2019

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ýbnse 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 Cý³ bqWnänÂ {]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. 2013Â 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-KnÂ ]-d-b-¯-¡ ap³-]-cn-N-b-anÃm-¯, Nm-À-t«-Uv A-¡u-|âm-b kRv-Pohv ta-¯, ]-t£ C-ý³ hn-]-WnbnÂ kr-ãn¨-Xv hn-kv-a-bamWv. B-dp hÀ-jw sIm-|v F-¨v bp FÃn-sâ hnÂ-¸\ 25,810 tIm-Sn cq-]-bnÂ \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-ý-bn-se sam-¯w _n-kn-\-kn-t\-¡mÄ Iq-Sp-X-emWv! C-¡m-e-b-f-hnÂ F-¨v bp FÂ 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-bÂ 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-bÂ 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-bÂ 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]-SÂ ]n.F-¨v Ip-cy³ \-S-¯n-tb-¡pw. IÀ-j-I Ip-Spw-_-¯nÂ ]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-hnÂ k-ss¹-kv tImÀ-¸-tdj³, tI-c-f Sq-dn-kw h-Ip¸v, sIF-kv-sF-Un-kn, sI-Fw-Fw-FÂ 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.

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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. \Ã 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]-cnÂ sXm-gnÂ \-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-¯nÂ {]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-bnÂ 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-¶mÂ _n-kn\kv \-S-¯n-¸nÂ 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-UÂ 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.

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HIv-täm_À 31, 2019

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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-ý-bv-t¡m?AsÃ-¦nÂ hy-hkm-b ò-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-¯mÂ 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-bnÂ 129 I-¼-\n-I-fpam-bn ssN-\ G-ähpw ap-¶nÂ \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-IbnÂ ap³-Xq¡w. temIs¯ G-ähpw h-en-b 10 _m-¦p-I-fnÂ 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-InÂ A-Xn-se G-ähpw hen-b DÂ¸mZ-Itcm A-sÃ-¦nÂ 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-¶mÂ aäp-Nn-eÀ-¡v A-kz-Ø-X bpw A-c-£n-X-Xzhpw D-|m-¡p¶p. A-Xn-\mÂ 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-{ń-¡m³ {i-an-¡p-¶XnÂ bm-sXm-cp A-Ûp-X-hp-anÃ. C-ý-bp-sS I-cp-X-se-´m-bn-cn-¡Ww? tam-Znbpw jn Pn³-]n§pw X-½nÂ 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-ý-¡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-ÅnÂ 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-¶mÂ 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-Ã 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¶mÂ {]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 IgnªmÂ 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¶mÂ 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 DÂ¸mZ\ (GDP) h-fÀ-¨bpw P-\-t£-ahpw X-½nÂ _-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-bnÂ ap-¶nÂ \nÂ-¡p-¶ ku-Zn A-td-_y-bv¡pw Ip-ssh-än\pw km-aq-ly-t£-a-¯nÂ (tkm-jyÂ shÂ_o-bnwKv) hf-sc Xm-sg-bm-Wv Øm\w. F-¶mÂ 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-¯nÂ 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 sXmgnÂ sImSp¡p¶ 154 _n ey¬ tUmfdnsâ Cýbnse sFän taJebnepw HSphnÂ {]XnkÔnbpsS k½À±§Ä A\p` hs¸«pXpS§n. aäp taJeIsf BtKmfkm¼¯nI {]XnkÔn _m[n¨ t¸mÄ bqtdm¸nÂ \n¶pw bp.FknÂ \n¶papÅ Unamâv sImïv sFän taJe hnPbIcambn c£s]«v \nÂ¡pIbmbncp¶p C{XImew. F¶mÂ Cýbnse 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 dosäbvÂ 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 òjWn hÀ[n¨phcp¶ kmlNcy¯nÂ hcpw amk§fnÂ sFän taJebpsS hfÀ¨mkm[yXIsf¡pdn¨v Bi¦ IÄ Dbcp¶p. B`yć hn]Wn e£yanSp¶ {]mtZ inI kwcw`§Ä {]XnkÔn t\cnSp¶ kmlNcy ¯nÂ BtKmfXe¯nÂ \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 sNbvXmÂ 2025HmsS aq¶v Zie£w sXmgnehkc§Ä krãn¡pIsb¶ e£yw hnZqckz]v-\ambn amdpw. AXmbXv hnhn[ bqWnthgv-knänIfnÂ \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-gnÂ 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

sXmgnÂ A´co£w sa¨s¸Sp¯m³ t{SUv bqWnb\pIÄ A\nhmcyw tI-

sI.N-{µ³ ]nÅ

c-f-¯n-sâ am-{X-aÃ C-´y³ k-¼-Zvhy-h-Ø- ]cn-tim[n-¨mÂ 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-¯nÂ hf-sc G-sd i-à-am-bXv sIm-|mWv. sXm-fn-em-fn-Ifpw sXm-gn-ep-S-abpw X-½nÂ F-t¸mgpw \n-e-\-n¶p h-¶n-cp-¶ th-X-\ {]-iv-\-§fpw sXm-gnÂ 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-Â h-¶Xv. HcnS¯pw bmsXmcp

kn-sF-Snbp, A-Jn-te-´y {]-knUâv

hn[¯nepÅ A{Ia{]hÀ¯\§fpw kn sF Sn bpthm kac¯nÂ GÀs¸Sp¶ sXmgnemfnItfm \S¯p¶nÃ. sXm gnemfnIfpsS \ymbamb AhImi§Ä Nhn«n saXn¨p sIm|Ã 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-¶mÂ \n-b-am-\p-kr-X-am-bn H-cp Øm-]-\-¯nÂ 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-¦nÂ 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-XnbnÂ 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\-¯nÂ 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-fnÂ kÀ-¡mÀ C-Ss]-Sp-Ibpw an-I-¨ th-X-\-¯n-eq-sS, sXm-gnÂ km-l-N-cy-§-fneqsS P-\-§-fp-sS I-¿n-te-¡v Iq-SpXÂ ]-Ww h-cp-Ibpw sN-bvXmÂ 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-¯nÂ 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-¯nÂ 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-¯nÂ F-{Xt¯m-fw {]m-hÀ-¯n-I-am-¡p-¶p-|v F-¶-XnÂ 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-¯nÂ sXm-gnÂ {]-iv-\-§-fnÃ 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-£-¯nÂ 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-¦nÂ 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¯nÂ \n¶p amdn\nÂ¡p¶Xpw AhImiw

P-\m-[n]-Xy cm-{ã-¯nÂ t{S-Uv bq-Wn-b-\n-kw \n-b-a-]-c-am-

Wv. F-¶mÂ 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 DÂ¸m-Z-\ £-a-X hÀ-[n-¸n-¡p-¶-XnÂ 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-bnÂ tI-c-f-¯nÂ 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-¯nÂ \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-taÂ 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-¦nÂ 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

IhÀ tÌmdn COVER STORY

tem-I-¯n-se G-ä-hpw ITn-\-am-b Im-bn-I-bn-\-§-fnÂ ^n-\n-jnw-Kv sse³ sXm-« _n-kn-\-kv cw-K-s¯ aq-¶v a-e-bm-fn-IÄ kv-t]mÀ-Sv-knÂ \n-¶v A-hÀ ]Tn-¨ _n-kn-\-kv ]mT-§Ä ]-¦p-sh-bv-¡p-¶p

kv-t]mÀSv-knÂ \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-ªmÂ tI-cf-¯nÂ _n-kn\-kv sN-¿p-¶, tem-I Im-bn-I th-Zn-I-fnÂ 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-bnÂ `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-fnÂ 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-enÂ 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-fnÂ \n-¶v, kv-t]mÀ-Sv-kv C-hâp-IfnÂ \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.

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.

-dp-¸w ap-XÂ ^n-äv-\-knÂ {i-²-bp|m-bn-cp-¶p. F-¶mÂ k-Po-h-am-bn Im-bn-Ibn-\-§-fnÂ ]-s¦-Sp-¯n-cp-¶p-an-Ã. tPm-en-bp-sS `m-K-am-bn 2012Â 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-¯nÂ A-Ûp-X-I-c-am-b am-ä-§Ä kr-ãn-¡pw.2013Â 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-WnÂ ]-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-XmÂ 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-fnÂ H-cmÄ. \m-ev cm-{Xnbpw aq-¶p-]-I-ep-am-bn 90 a-Wn-¡q-dn-\p-ÅnÂ 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-XÂ Iq-Sn-b Xm-]-\n-e 31 Un-{Kn- h-sc a-Õ-c-th-f-bnÂ 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-ÅnÂ 1200 In-tem-ao-äÀ ]n-¶n-S-Ww. {_-th- hn-`m-K-¯nÂ 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-hânÂ ]-s¦-Sp-¡p-t¼mÄ ssk-¡nÂ ]-©-dm-bmÂ, a-äv tI-Sp-]m-Sp-IÄ ]-än-bmÂ 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-«-¯nÂ \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-bÂ 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|-¦nÂ 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-dnÂ ImÀ-jn-I-Ip-Spw-_¯n-em-Wv P-\n-¨-Xv. kv-t]mÀ-Sv-knÂ \n-¶p ]Tn-¨ ]mT-§Ä _n-kn-\-kn-epw I-cn-b-dnÂ \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-¡nÂ X-Wp-¯p-d-ª k-ap-{Z-¯nÂ \o-´p-t¼m-gpw I-\-¯ a-g-bnÂ ssk-¢nw-Kv \-S-¯p-t¼m-gpw sX-¶p-¶ {]-X-e-¯nÂ 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-§-fnÂ \n-¶p-Å 6800 t]À ]-s¦-Sp-¯p. C-´y-bnÂ \n-¶v ]-s¦-Sp-¯

346 t]-cnÂ 42 t]À hn-P-b-I-c-am-sb-¯n. tI-c-f-¯nÂ \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-\-knÂ 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-\-knÂ \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-ÅnÂ Im-Wp-¶-Xv A-Sp-¯ I-b-ä-am-Wv. A-Xp-sIm-|v A-\p-Iq-e-L-S-I-§-fnÂ A-\m-bm-kw Xm-tg-¡v t]m-cp-t¼mÄ A-Xn-sâ I-cp-¯n-Â A-Sp-¯ I-b-ä-¯nsâ ]-Ip-Xn-tbm-fw Zq-cw ]n-¶n-Sm³ ]m-I-¯nÂ 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-`-¯nÂ C-Xm-Imw. A-\p-Iq-eL-S-I-§-fp-sS ]n-´p-W-bnÂ _n-kn-\-knÂ _qw D-|m-Ip-t¼mÄ h-cm-\n-cn-¡p-¶ C-d-¡-s¯ \mw ap-¶nÂ Im-W-Ww. H-cp _n-kn\-kpw In-«n-bn-sÃ-¦nÂ 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-bnÂ ]-s¦-Sp-¡p-t¼mÄ B-Zy-s¯ I-b-äw A-t§-b-äw ITn-\-am-bn-cp-¶p. B A-h-Ø-bnÂ 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-\-knÂ _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-tÃ Øn-Xn? tI-c-f-¯nÂ \n-¶v ]p-d-s¸-Spw ap-¼v CâÀ-s\-änÂ ]-c-Xn-b-t¸mÄ I-| A-´-co-£- Du-jv-am-hv 16þ25 Un-{Kn-bm-Wv. F-¶mÂ A-\p-`-hn-¨-tXm 5 þ 31 Un-{Kn-

[\w hyh-kmb hmWnPy ssZzhm-cnI

HIv-täm_À 31, 2019

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-bnÂ 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-bnÂ F-¡m-e-hpw Xp-S-cm³ X-mÂ-¸-cy-an-Ãm-bn-cp-¶p. \m-«nÂ dn-bÂ 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-imÂ ]n-¶o-Sv dn-bÂ F-tÌ-änÂ h-en-sbm-cp Ip-Xn-¸p-|m-bn. \½p-sS Po-hn-X-¯nÂ 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-bnÂ lm-^v am-c-t¯m¬ {]-Jym-]n-¡p-¶-Xv. \-½p-sS \m-«nÂ 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-¯nÂ 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-\-ÊnÂ 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-\-knÂ 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-¯nÂ a-\-knÂ \n-d-bp-¶ B-Ëm-Z-hpw kw-Xr-]v-Xn-bpw am-{X-am-Wv D-ÅnÂ. _n-kn-\-knÂ 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-IfnÂ 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¯nÂ am-{Xw \mw D-d-¸n-¨v \nÀ-¯n-bmÂ 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 XpSÀ¨

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-«-¯nÂ X-s¶ tXmÂ-hn k-½-Xn-¡pw. A-©v Un-{Kn-sb-¶v B-Zy-ta A-dn-ªn-cp-¶p-sh-¦nÂ F-s¶-sIm-|v A-Xv ]-äp-tam-sb-t¶mÀ-¯v ]-cm-P-b-`o-Xn a-\-knÂ 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-Ã 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-¶nÂ 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-¶nÂ 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-¶nÂ \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-\nÂ \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-cnÂ 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-¨mÂ A-Xv \-S-¶n-cn-¡pw. G-ä-hpw \-Ã 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-cnÂ \n-¶v \-Ã Im-cy-§Ä ]Tn-¡mw.

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¨mÂ ]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-jÂ 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-UnÂ tI-c-f 2019 Â F¯n-bXv. ta-f-bnÂ {i-t²-b-am-b Nn-e DÂ-¸-¶-§Ä C-hbmWv:

#Dashboard

Chscms¡ tIcf¯nte¡v

Rotibot

tI-c-f-¯n-se ÌmÀ-«-]v ta-

Beacon Tag & Card dn-bÂ 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, slÂ¯vv sI-bÀ, ImÀ _p-¡nw-Kv, t]-sa âvkv Xp-S-§n-b A-t\-Iw tk-h-\-§Ä H-scm-ä sam-_oÂ 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-_oÂ A-tkm-kn-tb-j³ HmjvTn-X DÂ-¸-¶-§-fpw ^v C-ý-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-UnÂ 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{ń ]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-\mÂ DÂ ¡p-¶ ko-hv sS-Iv-t\m-f-Po-knÂ \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-ý 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-ý 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-tâWÂ t{S-Uv tPm-bvâv kv-{Sn-sb Un-Pn-ssä-kv sk-{I-«-dn-bm-b- A-\nÂ 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-fnÂ 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-Â 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-_oÂ 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-Â F-¯n-¡p-¶-Xv.

H-cp `m-K-¯v tKm-X-¼v am-hpw sh-Åhpw H-gn-¨mÂ 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 DÂ¸¶w ho-Sp-IÄ-¡v A-\p-tbm-Py-am-Wv. h³-tXm-XnÂ 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-ÅnÂ ]-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-[-¯nÂ tI-c-f ÌmÀ-«-]v an-j³ l-UnÂ tIc-f k-t½-f-\-¯nÂ 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¯nÂ B-cw-`n-¡p-¶ K-th -j-W hn-I-k-\ tI-{µ¯nÂ 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-¡nÂ tem-tIm-¯-c \n-e-hm-c-¯n-ep-Å t¥m_Â 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

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!

-´-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-¯nÂ 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-gnªmÂ H-cp-]-s£ A-h-cp-sS kz-`m-h k-hnti-j-X-I-fnÂ 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-UÂ 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-¶-XnÂ A -bm-sf {]m-]v-X-\m-¡p¶p. i-cn-bm-b co-XnbnÂ 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-bnÂ 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: \-Ã co-Xn-bnÂ {]-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-XnÂ 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-¯mÂ \-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 \-Ã 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-XnÂ 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-§-fnÂ 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-\-¯nÂ A-Ãm-¯ H-cp-]m-Sv Im-cy§Ä Cu K-W-¯nÂ 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

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-bnÂ 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-enÂ 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-¶mÂ 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-\-¯nÂ 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-gnÂ km-l-N-cyw, sXm-gnÂ kp-c-£, sXm-gnÂ 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-bnÂ {]-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-\mÂ _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-¶mÂ ]p-Xn-b am-t\-Pv-saâv Iq-Sp-XÂ {]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. \-Ã {]-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-saânÂ h-en-b ]n-Sn]m-sSm-¶p-ap-|m-bn-cp-¶n-Ã A-Xn-\mÂ A-h-cp-sS {]-iv\-§Ä am-t\-Pv-saâv tI-«-Xp-an-Ã. am-{X-a-Ã am-t\-Pv-saânsâ k-t¸mÀ-«v C-Ãm-¯-Xn-\mÂ aq-ey--h-¯m-b ¢-bvâ-p-IÄ-¡v tk-h-\w \Â-Im-\pw km-[n-¨n-Ã. C-§-s\ t]m-bmÂ ¢-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-¯nÂ 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-bnÂ 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-§-fnÂ \n-b-an-¡-Ww. C-sÃ-¦nÂ Øm-]-\-¯n-\p-ÅnÂ 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-]-\-¯nÂ \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 _Ô§Ä krãn¡m³ \nba§Ä

_n-kn\-kv h-fÀ-¨-bv-¡v G-sd {]m-[m-\y-ap-Å _-Ô-§Ä F§s\ Du-«n D-d-¸n¡mw?

-kn\-kv hn-P-b-¯n-sâ ASnØm-\ L-S-I-§-fnÂ H-¶mWv I-cp-¯p-ä _-Ô§Ä. F-¶mÂ 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-ÅnÂ 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

XpS-¡w {l-kz-am-bn-cn-¡Ww, kp-µ-chpw FÃmhcnepw XmÂ¸cyw P\n¸n¡p¶ Xc¯nÂ {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?

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¦nÂ AXv \n§fpsS CSs]Sens\bpw _m[n¡pw.

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 AsÃ¦nÂ Nne \nt£]IÀ¡mbn P\§fnÂ ]co£Ww \S¯pItbm sN¿pIbmsW¦nÂ kv-{In]vänÂ Dd¨p \nÂ¡Ww. Hcp \nÀ±nã e£yw sh¨p sIm|mbncn¡Ww aoänwKn\v t]mtI|Xv. kw`mjW¯nÂ \n¶v hyXnNen¡p¶Xv apjn¨nÂ D|m¡nÃ ]t£ ]ckv]cw {]tbmP\{]Zamb hnjb§Ä NÀ¨ sN¿m³ kabw sNehnSpI.

anIs¨mcp t{imXmhmbncn¡pI ^e{]Zamb s\ävhÀ¡nw Kn\pÅ AfhptImÂ \Ã t{imXmhmbncn¡pI F¶XmWv. X§sf Bhiyaps|¶ tXm¶Â D|mIm³ Hmtcm a\pjy\pw sImXn¡p¶p. asämcmsf Adnbm³ HcmÄ BßmÀ°ambn XmÂ¸cyw Im«Ww. AhnsSbpÅhcnÂ Gähpw Bthiw \ndbv¡p¶ tNmZy§Ä tNmZn¡pI. AhÀ AhchcpsS \nebnÂ F¯nbsX§s\bmWv? AhchcpsS hyhkmb¯nÂ 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\ÊnÂ Cu kw`mjWw ambmsX InS¡pIbpw sN¿pw. ASnØm\ Xe¯nÂ CXv Hcp Dt±iyt¯mSv IqSnbpÅ kzm`mhnI kw`mjWamWv.

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\pÅnÂ t^mtfm A¸v sN¿p¶ s{]m^jWepIÄ¡v UoÂ sNbvXv Ahkm\n¸n¡p¶ Xn\pÅ anI¨ Ahkcw AXv \Â Ip¶p. \n§fpsS Bib§Ä a\ Ênem¡p¶Xn\pw Nn´n¡p¶Xn\p ambn Ipd¨p kabw AhÀ¡v \ÂIpI. _Ô§Ä hnPbIcamb _nkn\kn s\ \bn¡p¶ Hcp temI¯v s{]m^ jWÂ Bibhn\nabw Akm[mcW amb ImcyaÃ. _Ô§fnÂ \n¶v Fs´¦nepw t\«w D|m¡pI F¶Xnep]cn BßmÀ°amb _Ôw hnIkn¸ns¨Sp¡p¶XnemWv {i² bqt¶|Xv. Cu coXnbnÂ 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-jyÂ 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

hnP-b-IY

SUCCESS STORY

KuXw tat\m³

\nÊmcaÃ 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-¯nÂ \n-s¶m-cp bp-hmhv [\w \yqkv _yqtdm

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-bnÂ \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-XÂ amÀ-¡änw-KnÂ 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-´-¯nÂ kwkm-cn-¡p-¶ Ku-Xw ta-t\m³ P-\n ¨-Xv _n-kn\-kv Ip-Spw-_-¯nemWv. A-Ñ³ 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-sÃ¶ t_m-[yap-|mbn-cp¶p. F-«p hÀ-j-t¯m-fw tem-I-¯n-sâ hnhn-[ `m-K-§-fnÂ \-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-\nbnÂ 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-¯nÂ `m-c-X-¯n-\v {]u-Vam-b H-cp ]m-c-¼-cy-aps|-¶v dn-kÀ-¨nÂ \n-¶v hy-àambn. tem-I-¯n-sâ hn-hn-[ `m-K-§-fn-se e-t_m-d-«-dn-I-fnÂ \n¶pw ^m-an-en Un-Ìn-edn-I-fnÂ \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-fnÂ 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 oÂ ¡ h â s F w, Rm³ hÃ \m-t\mbpw hm-§p

ssS-Kdpw d½pw ]n-s¶ KÀ-Ö-\hpw sN-¿p¶- F-ń-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-ń-¨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-¶-XnÂ ap-XÂ te-_-enw-KnÂ h-sc ]pXpa sIm-|p-h-cm³ Ku-X-an-s\ k-lm-bn¨p. sshÂ-Uv ssS-K-dn-sâ ]m-¼m-Sn-bn-se ¹mânÂ `q-cn-`m-K-hpw h-\nXm Po-h-\-¡m-cmWv. sshÂ-Uv ssS-K-dn-sâ t_m-«nÂ 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-ý-bpsS tZio-b ar-Kam-b I-Sp-h-I-fp-sS kw-c-£-W-¯n-\m-bn sshÂ-Uv ssS-KÀ û-t|-j\pw Ku-Xw Xp-S-¡-an-«p. Cu û-t|j-sâ ^-|v k-am-l-c-W-¯n-\m-bn A-Sp¯n-sS ]-d-¼n-¡p-fw ap-XÂ {^m³-kn-se Im³ h-sc \o-fp¶ t_m-[-hÂ¡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-

HIv-täm_À 31, 2019

[\w hyh-kmb hmWnPy ssZzhm-cnI

c-fw Sq-dn-k-¯n-sâ Im-cy-¯nÂ ssZ-h-¯n-sâ kz-´w \m-Sm-sW-¦nÂ _n-kn-\-kn-sâ Im-cy-¯nÂ Devil's backyard B-sW-¶v Ku-Xw ta-t\m³. sshÂ-Uv d-½n-sâ t]-cnÂ 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-¸nÂ C-t¸mgpw te-_-enw-Kn-sâ Im-cy-¯nÂ ]-g-©³ N-«-amWv. hn-tZ-i-t¯-¡v Ib-än A-b¡p-¶ DÂ-¸-¶-¯n-sâ ]pd-¯v ap-gp-¯ A-£-c¯nÂ a-e-bm-f-¯nÂ 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-enÂ X-s¶-bm-Wv C-t¸mÄ te-_-enwKv. A-sXm¶pw \-½p-sS \m-«p-ImÀ A-dn-bp-¶nÃ. C-hn-sS hnÂ¡p-¶ DÂ-¸-¶-§Ä-¡v t]mtc Cu \n-b-a-§Ä. tIm-S-Xn-bnÂ tI-kv \-S-¡p-I-bmWv. A-Xn-\pth-|n k-a-bhpw ]-Whpw G-sd sN-e-hmWv. F-sâ h-¡oÂ ew-t_mÀ-Kn-\n hm-§pw. Rm³ hÃ \m-t\m-bnepw \-S-t¡-|n h-cpw.'' Ku-Xw ]-d-bp¶p.

§-fnÂ 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-¯nÂ 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-XÂ A-©p hÀ-jw h-sc A-ta-cn¡³ Hm-¡v a-c-_m-c-enÂ aqs¸-¯n-¨m-Wv sshÂ-Uv dw t_m-«n-enÂ \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-ý- DÄ-¸-sS-bp-Å cm-Py-§-fn-se Uyq-«n {ô tjm-¸pI-fnepw sshÂ-Uv ssS-K-À C-t¸mÄ e-`y-amWv. CâÀ\m-j-WÂ Uyq-«n s]-bv-Uv tÌm-dp-I-fn-se G-I C-ý³ {]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

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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]-cnÂ I-®qÀ, Im-kÀ-tIm-Sv, tIm-gn-t¡m-Sv Pn-Ã-I-fn-se sN-dp ]-«-W-§-fnÂ 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-äÂ 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-bvÂ ta-J-e-bnÂ 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-äÂ am-t\-Pnw-Kv U-b-d-Iv-ä-dpamb Fw Fw hn sam-bv-Xp kw-km-cn-¡p-¶p

]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-¦nÂ 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-hnÂ 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-_oÂ t^m-Wp-IÄ-¡v kz-´w \n-e-bnÂ kv-{Io³ s{]m-«£³ I-h-td-Pv \ÂIn. k-½m-\-§Ä \Â-Ip-¶-Xn-\p ]I-cw C-¯-c-¯nÂ 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.

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-\nÂ \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-bnÂ \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?

Hm-tcm DÂ-¸-¶-§-fp-sSbpw ô-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-½nÂ C-Xn-sâ t]-cn-em-Wv a-Õcw. henb tXm-XnÂ BÀ & Un hn-`mKw Hm-tcm-cp-¯À-¡p-ap|v. Hmô-knÂ \n-¶v \n-b-{ń-¡m-hp-¶ F-knbpw {^n-UvPpsam-s¡ tI-c-f-¯nÂ t]mepw hym-]-I-ambn. Iw-]yq-«-dn\v ]I-cw sh-¡m-hp-¶-h-bm-bn Sn-hn. Sn-hn-bp-sS hnÂ-¸\-bnÂ 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-¶nÂ 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-«nÂ F-¯p-¶ {]-Xo-Xn -bm-Wv \n-£m-\nÂ 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-bnÂ 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-¨ DÂ¸-¶w \nÀ-tZ-in-¡pw. a-än-S-§-fnÂ 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-¡nÂ Xp-S-§n B-Uw-_-c ]qÀ-W-amb-Xv hsc. a-äp PnÃ-I-fnÂ \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

[\w hyh-kmb hmWnPy ssZzhm-cnI

HIv-täm_À 31, 2019

hyh-kmbw INDUSTRY

em`-£-a-X-bnÂ hen-b hn-«p-ho-gv-N-IÄ-¡v X-bm-dm-Im-sX-bp-Å [-\-k-am-l-c-W-am-bn-cn-¡Ww Fw.F-kv.Fw.C bq-Wn-äp-I-fp-sS e£yw

sI.hn t{]w-cmPv

hmbv]m sNehv

-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-bnÂ sh-Ån-sh-fn¨-¯n-em-Wv Fw-F-kv-Fw-C ta-J-e. h-cpw-Zn-\-§-fnÂ 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-¶mÂ 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-bnÂ 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-¶-XnÂ ho-gv-N kw-`-hn-¡p-

HIv-täm_À 31, 2019

MSME ¢n\nIv 5

em`s¯ _m[n¡cpXv

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-§-fnÂ \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-¶nÂ 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-¯nÂ _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-hnÂ 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-XÂ 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-hnÂ kw-`-hn-¡p-¶ Iq-Sn-b tXm-Xn-ep-Å ho-gv-N-bp-sS Iq-Sn \-ãw, b-YmÀ-°-¯nÂ 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-¦nÂ aÂ-kc - m-ßI am-b ]en-i \n-c¡ - nÂ ]p-Xp-Xe - ap-d kz-Im-cy _m-¦p-IfnÂ \n¶pw hmbv] - e-`y-am-¡m-\mIpw. \-Ã `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-¶mÂ F³-_nF-^v-kn ta-J-ebnse {]-Xnk-Ôn \n-e-\nÂ-¡p-¶-Xn\mÂ Cu D-d-hn-S-¯n-sâ Im-cy-¯nÂ tNm-Zy-Nn-Ó§Ä 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-bnÂ 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. BtKm-fX - e - ¯ - nÂ \n-¶p-Å {- ]-iv\ - § - f - pw cm-Py-¯n-\p-Ån-se {]-iv\ - § - f - pw. hn-]Wn-bnÂ Øn-ca - m-b D-bÀ-¨b - p-|m-IW - sa-¦nÂ Cu c-|v km-lN - c - y-§f - pw sa¨-s¸-tS-|X - p-|v. bp-Fk - pw ssN-\b - pw X-½n-ep-Å hym-]m-cb - p-²w, bp.Fkv, PÀ-a\n, Cä-en Xp-S§n-b hn-Ikn-X cmPy-§f - n-se D-bc - p-¶ amµyw, bq-tdm-]y³ bq-Wn-b\ - nÂ \n-¶p-Å {_n-«s - â ]p-d¯p-t]m-IÂ, {Iq-Uv Hm-bvÂ hn-eb - n-ep|m-Ip-¶ C-Sn-hv Xp-S§ - n-b sh-Ãp-hn-fn-Ifm-Wv B-tKm-fX - e - ¯ - nÂ \n-¶p-ÅX - v. B-tKm-f-km-l-N-cy-§Ä sa-¨-s¸«mÂ 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-¡nÃ F-¶-Xn-\mÂ hn-]-Wn-bnÂ Nn-e-t¸mÄ s]-s«-s¶m-cp Xm-gv-N-bp-|m-Ipw. \-hw-_tdm-sS hn-]-Wn-bnÂ ]-Sn-]-Sn-bm-bp-Å DbÀ-¨-bp-|m-Ip-sa-¶m-Wv {]-Xo-£. A-Sp¯ 1þ2 hÀ-jw D-bÀ-¶ co-Xn-bn-ep-Å Nm©m-«w {]-Xo-£n-¡mw. C-S-¡n-sS-bp-|m-Ip¶ Xm-gv-N-IÄ Hm-l-cn-IÄ hm-§m-\p-Å A-h-k-c-am-Wv.'' A-Iypsa³ Iym-¸n-äÂ amÀ-¡-äv en-an-ä-Un-sâ am-t\-Pnw-Kv U-b-dIv-äÀ A-£-bv A-KÀ-hmÄ ]-d-bp-¶p. ""A-ta-cn-¡³ sX-c-sª-Sp-t¸m-sS BtKm-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-tKmf km-¼¯ - n-I- ta-Je - A-\p-Iq-ea - m-Imw. F-¶mÂ C-´y-bn-se Øn-Xn sa-¨s - ¸-Sp¯m³ kÀ-¡m-cn-sâ `m-K¯ - p-\n-¶v hym]-Ia - m-b {i-a§ - Ä D-|m-tI-|X - p-|v. AXnÂ {]-[m-\w cm-Py-t¯-¡v \n-t£-]w B-IÀ-jn-¡m-\p-Å \-S] - S- n-Is - f-Sp-¡pIsb-¶X - m-Wv. te-_À, em³-Uv \n-ba - § - fnÂ ]-cn-jvI - c - W - h - pw hy-àn-KX \nIp-Xn-IÄ Ip-db - v¡ - m-\p-Å \-S] - S- n-bpw D-|m-Ip-sa-¶v {]-Xo-£n-¡p-¶p.'' kÀ-¡mÀ F-Sp-¯n-cn-¡p-¶ \-S-]-Sn-IÄ -¡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 Aley ^n³-t^m-sd-Iv-kn-sâ am-t\-PnwKv U-b-d-Iv-ädmb F³.`ph-t\-{µ-\v D-ÅXv. ""Cu H-cp hÀ-j-¯n-\n-S-bnÂ hn-]-WnbnÂ Nm-©m-«-§-fp-|m-Ipw. kÀ-¡m-cn-sâ A-\p-Iq-e -{]-Jym-]-\-§-fp-|m-Ip-t¼mÄ hn-]-Wn D-b-cpw. tam-iw hmÀ-¯-IÄ h-cp -t¼mÄ Xm-tg-¡p-t]m-Ipw. F-¶mÂ H-cp hÀ-j-t¯m-sS H-cp Øn-c-X-bp-|m-Ip-sa¶mWv {]-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|-¦nÂ 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-fnÂ \n-t£-]n-¡p-I. A-[n-Iw dnkv-sI-Sp-¡m-Xn-cn-¡p-I. t]mÀ«vt^mfn-tbm-bnÂ 10 i-X-am-\w kzÀ-W-amImw t\-cn-«v Hm-l-cn-hn-]-Wn-bnÂ \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-bnÂ 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-¯nÂ 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-¦nÂ \-Ã tÌm-¡p-IÄ Ipd-ª hn-e-bnÂ hm-§m-\p-Å A-h-k-c-am-bn hn-]-Wn-bn-se C-Sn-hp-I-sf Im-Wp-I.

¡p-h-sc t]m-Imw? Xp-S-§n-b tNm-Zy-§fm-Wv \n-t£-]-IÀ-¡pÅ-Xv. F¶mÂ 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.

Highlights

TH ...

km-

l-N-cy-§Ä hn-e-bn-cp-¯nbmÂ Hm-l-cn-hn-]-Wn- Ign-ª 20 am-k-am-bn Ic-Sn-I-fp-sS ]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-§-fnÂ A-tX-]-Sn hn]-Wn Xm-tg-¡p-t]m-Ip-¶p. tImÀ-¸-tdäv \n-Ip-Xn Ip-d-bv-¡p-I, hn-tZ-i- ^-|pIÄ-¡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-WÀ-hv ]-I-cm-\m-bn \-S-¯n-b \o-¡§-sfm-s¡-bpw hn-]-Wn-bnÂ s]-s«s¶m-cp Ip-Xn-¸p-|m-¡n-sb-¦n-epw C-hbv-s¡m-s¡-bpw AÂ-¸m-bp-tk D-|m-bncp-¶p-Åp. hn-]-Wn-bn-se Cu A-Øn-c-X \n-t£-]-IÀ-¡n-S-bnÂ B-i-¦ kr-ãn-¨ncn-¡p-I-bm-Wv. Cu s_-b-dn-jv X-cw-Kw F-¶p-h-sc- \o-fpw? hn-]-Wn F-{X Xmtg-

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[\w hyh-kmb hmWnPy ssZzhm-cnI

HIv-täm_À 31, 2019

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-¦nÂ BZyw k¼m-Zyhpw \n-t£-]-hpw- X-½n-ep-Å hy-Xym-kw Xn-cn-¨-dnbq

2) c-|m-a-Xm-bn tk-hn-wKv-kv hÀ-[n-¸n-¡m³ I-gnA-§-s\-sb-¦nÂ k-¼m-Zn-¡p-¶ ]-W-¯n-sâ bp-¶ G-ä-hpw \-Ã 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-së-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-së-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-fnÂ 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 ò-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-bnÂ 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-¦nÂ 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-¦nÂ 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-¨mÂ 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-¯nÂ Xm-sggm-Wv ]-W-s¸-cp-¸-¯n-\v ap-I-fnÂ B-Zm-bw bn h-c-hv sN-e-hv U-b-dn-bnÂ 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 ô-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-XnÂ 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-sët]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-NzÂ ^-|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-§-fnÂ 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|-¦nÂ 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-ń-¨p Xp-S§ - mw. Izn-Un-än Xp-S-§n-b L-S-I-§-fnÂ {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-¡-änÂ \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-NzÂ ^-|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 Fń-\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¦nÂ 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-¶mÂ 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-\mÂ C-h c-|pw Po-hn-X-¯nÂ Xp-ey F-t¸m-sg-¦n-epw Nn-ń-¨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-jyÂ 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-¨mÂ 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-jyÂ A-ssUz-k-dp-sS I-gn-¨p am-än-h-bv-¡m³ H-¶p-ap-|m-hn-Ã 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-jyÂ 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 X½nÂ hy-Xym-kw F-´m-sW¶m-tem-Nn-¨v. b-YmÀ-°¯ - nÂ 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¯ - nÂ 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.

C³jp-d³kv INSURANCE

C\n C³jpd³kv ]cnc£ IqSpXÂ tcmK§Ä¡v H-Iv-täm-_À H-¶n-\v {]m-_-ey-¯nÂ 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

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-bnÂ 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-bnÂ 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-XÂ 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-¦nÂ 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-bnÂ 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-ebnÂ 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-bnÂ \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-¶mÂ I-¼-\n-IÄ am-dp-¶-Xn\-\p-k-cn-¨v tSw-kv B³-Uv I-|o-j³knÂ am-ä-§Ä kzm-`m-hn-I-amWv. H-cp I-¼-\n-bnÂ e-`yam-b ku-Icyw t]mÀ-«v sN-¿-s¸-Sp-t¼mÄ a-säm-cp I-¼-\n-bnÂ 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-knÂ 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-dnÂ Iq-SpXÂ tlm-kv-]n-ä-enÂ 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-ÅnÂ ]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-¯nÂ 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-bnÂ 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

_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

-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-fnÂ 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-aÃ 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-¦nÂ kÀ-¡m-cn-\p-Å A-[n-Imc-s¯ ]-cn-an-X-s¸-Sp-¯psa-¶-Xm-Wv {]iv\w. F-¶mÂ C-sXm-cp \Ã \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-bnÂ \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-¶mÂ PnÃm _m-¦p-I-fp-sS e-b-\s¯-bpw aäpw F-XnÀ¯p-sIm-|v sslt¡m-S-Xn-bnÂ \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 \Â In-b km-l-N-cy-¯nÂ PnÃm _m-¦p-Ifp-sS e-b-\-hp-am-bn _-Ô-s¸-« hn-jb-¯nÂ BÀ._n.sF ssl-t¡m-S-XnbnÂ kzo-I-cn-¡p¶ \n-e-]m-Sv A-\p-Iqe-am-bn-cn-¡p-sa-¶mWv {]-Xo-£. A-Xp|m-bn-sÃ-¦nÂ _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 taÂ¡qc

klmbhpambn {Io] A-Sp-¯ A-©p hÀ-j-¯n-\p-ÅnÂ 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¯nÂ 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-bnÂ ]-cn-io-e-\w \Â-Ip-¶-hÀ Xp-S -§n-b-h-sc DÄ-s¸-Sp-¯n-bp-Å- kwLS-\-bmWv {Io-]. 2005 Â cq-]o-Ir-X-am-b kw-L-S-\kÀ-¡m-cn-sâ dq-^v bnÂ \q-dn-te-sd Aw-K-§-fp-|v. A tSm-¸v tkm-fmÀ XnÂ 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-bnÂ 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-XÂ 60 am-kw h-sc-bp-Å X-h-WI-cp-X-s¸-Sp-¶-Xv I-fm-bn Xn-cn-¨-S-¡mhp¶ hn-[-¯nÂ Ip-d-ª ]-en-i \n-c-¡nÂ 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-fnÂ Øm-]n-¡p-¶-Xn-\pw A-Sp-¯

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-¦nÂ 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-XnÂ 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-bnÂ am-{XaÃ 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-¦nÂ ]pXnb tI-c-f _m-¦n\pw \n-e-hn-ep-Å kwØm-\ k-lI-c-W _m-¦n\pw X-½nÂ t]-cn-ep-Å hy-Xym-k-aÃmsX kwØm-\ k-¼-Zv-L-S-\-bnÂ 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-bnÂ ASp-¯ aq-¶p hÀ-j¯n-\n-S-bnÂ 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-Ã ]-¯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 \Ã _-Ôw kq-£n-¡m³ Hm-tcm- AwKhpw {i-²n-¡p-¶p. tkm-fmÀ dq-^v tSm-¸pIÄ-¡v ]p-d-ta tkm-fmÀ sXÀaÂ hm-«À lo-äÀ, {Utb-gv-kv, tkm-fmÀ ]-¼pIÄ Xp-S-§n-bhbpw A-tkmkn-tb-j\nse kw-cw-`-IÀ hn-]-Wn-bnÂ F-¯n-¡p-¶p-|v. IqSp-XÂ 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

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{]Zo]v Nu[cn

_-lp-cm-{ã I-¼-\n-IÄ A-c-§p-hm-gp-¶ F-^v-Fw-

bs¸-Sp-¯n-bm-Wv hn]Wnbn-te-¡v I-S¡p-¶-Xv. hn-]Wn-bn-se ]-Xnhv DÂ-¸kn-Pn ta-J-e-bnÂ kz-´¶-§fnÂ \n-¶v hy-Xykv-Xam-sbm-cn-Sw I-s|-¯n apam-bn \-Ã I-«nIq-Sn-b ^vt¶-dp-I-bm-Wv Xr-iq-cnÂ tfmÀ ¢o-\-dn-sâ-bpw aäpw Kp\n-s¶m-cp {_m³-Uv. ¢o-\nw W-ta-· Xn-cn¨dn-ª D-] -Kv skm-eq-j³-kv DÂ-¸-¶t`màm¡-sfm¶pw ]n-¶o-Sv §-fm-Wv H-tdm-¢o³F-Iv-kv H-tdm-¢o³-F-Iv-kv DÂ-¸¶F-¶ I-¼\ - n hn-]W - n-bnÂ §-sf D-t]-£-n¨n-Ã F-¶Po-tPm F-¯n-¡p-¶-Xv PotPm ]m-h-d-«n-¡m-c³ Xm-Wv 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-]bnÂ 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. Nm-e-¡pSn CliQ Un-jv hm-jv, CheckOut tSm-bv- t]m-«-bnÂ 6000 kv-Iz-bÀ-ô-än-sâ tKme-äv ¢o-\À, Sqaud ^v-tfmÀ ¢o UuWpw \nÀ-an-¨p. t\m-«v \n-tcm-[-\\À, Seven Horse {_m³-Un-ep-Å ¯n-sâ k-a-b-¯v _-lp-cm-{ã I-¼\n-IÄ ]-I-¨p \n-¶23 te-sd X-cw Sn-jyp t¸m-gm-Wv A-Xn-\n-S-bnt]¸-dp-IÄ Xp-S§n-b eq-sS H-tdm-¢o³-F-Iv-kv DÂ-¸-¶-§Ä-¡v tIhn-]-Wn-bn-te¡v F-fpc-f hn-]-Wn-bnÂ Ç-¯nÂ I-S-¶v I-b-dn t¸mÄ B-h-iy-¡m-tc-sdbm-Wv. ^n-ss\Â concentrate, s{U-bv³ ap-t¶-äw km-[y-am-¡n-b-Xv. ¢o-\À, »o-¨nw-Kv ]u-UÀ Xp-S-§n sshhn-[y-amÀ-¶ DÂ-¸-¶-§Ä C-tX \n-t£-]-I-sc tX-Sp-¶p {_m³-Up-I-fnÂ hn-]-Wn-bn-se-¯n-¡pC-ý ap-gph³ hn-]-Wn hym-]n¶p-|v H-tdm-¢o³-F-Iv-kv. {]-ap-J Pq-hÂ-dn-bnÂ amÀ-¡-änw-Kv ¸n-¡p-¶-Xn\pw DÂ-¸-¶\n-c hÀ-[n-¸nam-t\-P-dmbn tPm-en t\m-¡n-s¡m-|n- ¡p-¶-Xn\pw kz-Im-cy \n-t£-]w cp-¶ Po-tPm-bp-sS G-sd \mfs¯ B-{K- tX-Sp-I-bm-Wv H-tdm-¢o³F-Iv-kv. ZoÀl-¯n-sâ k-^-eoI-c-W-am-Wv Cu L-Im-e \n-t£-]-¯n-eq-sS an-I¨ emkw-cw`w. F^vFw-kn-Pn-bnÂ hn-]-Wn `w D-|m-¡m-\m-Ip-sa-¶ D-d-¸m-Wv ]n-Sn¡p-I F-¶-Xv G-sd {i-a-I-c-am-sW Po-tPm \n-t£-]-IÀ-¡v \Â-Ip-¶-Xv. IqSpXÂ hn-h-c-§Ä-¡v, t^m¬: -¶v a-\kn-em-¡n-b Po-tPm Xp-S-¡¯nÂ 20 en-äÀ Ip-Sn-sh-Åw Hm-ô-kp-I-fn-epw 9061633000. CsabvÂ: md@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- sskäv: www.orocleanx.com

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[ taJeIfnÂ 35 hÀjs¯ {]hr¯n ]cnNbhp ap-Å cho{µ ]njm-c-Sn, tImÀ¸tdäv Kth W³knÂ 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-ebnÂ 40 hÀ js¯ ]cn-N-bhp-apÅ {]Zo]v Nu[cn hn.-F tPmÀPv F¶n-h-cmWv ]pXnb Ub-d-IvSÀamÀ.

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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_bnÂ \S¶ thÄUv F.sFtjmþ _n F^vFkv-sF Bâv F³_nF^v-kn NS§nÂ 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-

Ä 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-\-dÂ sk-{I«-dn sI. sI tKm]p, {S-j-dÀ P-bN-{µ³ a-ä-¸n-Ån

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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-XÂ ssh-In-«v A-©v a-Wn h-sc "bm-jv CâÀ-\m-j-WÂ' tlm«-enÂ h-¨v \-S¡p-¶ Cu _n-Sp-_n {]-ktâ-j³ ao-änÂ 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-Â¸-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-änÂ ]-s¦-Sp-¡mw. t{]m-{Km-anÂ ]-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.

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-¯nÂ 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-bnÂ C-´ybnÂ \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-cnÂ \n-¶v U-b-a-|v tdm-fÀ ^v-f-hÀ an-Â 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.

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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

Châvkv EVENTS

icmicnbnÂ \n¶v t{ijvTXbnte¡v hfcm³ ]mT§Ä

H-emw CâÀ-\m-j-WÂ en-an-ä-Un-sâ k-l-Øm-]-I-\pw {Kq-¸v kn.C.H-bpw thÄ-Uv _n-kn-\-kv Iu¬-knÂ 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-¯nÂ _n-kn-\-knÂ 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-anÂ \n-¶v hm-§p-¶ A-kw-kv-Ir-X h-kv-Xp¡-fnÂ "H-emw A-äv tkm-gv-kv' Nn-¸v DÄt¨À-¯n-cn-¡p-¶p. AXn-sâ Un-Pn-äÂ Um-jvt_mÀ-Un-eq-sS 90 am-\-Z-Þ-§fn-Â 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-WnÂ 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-bnÂ R-§Ä¡v taÂ-ss¡ \Â-In. Iq-Sp-XÂ 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-¦nÂ \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-bnÂ 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.

Focus on developing insights

Kq-KnÄ bp-K-¯nÂ Po-hn-¡p-¶ \mw

HIv-täm_À 31, 2019

on organisa4 Focus tional health \n-§-fp-sS Øm-]-\-¯n-sâ B-tcmKy-¯nÂ {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-½nÂ 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-WÂ en-an-äUvv t¥m-_Â ^pUv & A{Kn _n-kn-\-kv cw-K¯vv {]-hÀ-¯n-¡p-¶ Hemw, 2.8 an-ey¬ sl-Î-dnÂ 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§-fnÂ 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-¦nÂ 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-¶nÂ \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

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

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-\nÂ 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-¶mÂ 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-cnÂ \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-anÂ 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-bnÂ a-\p-jy-cp-|m-¡p-¶ B-Lm-Xw Ip-d-¨n-sÃ-¦nÂ 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 2030Â X-s¶ t\-cn-tS-|n-h-cpsa-¶v sF-Iy-cm-{ã k-` ap-¶-dn-bn-¸v \Â-Ip¶p. 2015Â Â 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¬-knÂ 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.

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-Â 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-¶mÂ kr-ãn-]c - X - b - v¡v th-|X - v Htc co-Xn-bn-ep-Å H-cp-]ä - w B-fp-Is - f-bÃ - . 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-¶mÂ \-Ã 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-bnÂ \-S¯n-b ap-Jy-{]-`mjW-s¯ B-[m-c-am-¡n X-bm-dm-¡nbXv)

\n-

cćw 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-ý³ P-\-X-sb kzmX-{ý-¯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¯nÂ Hmtcm kwcw`hpw, \ap¡p-ÅsXÃmw, {]IrXn, \-½psS ]qÀ-ÆnIÀ \«a-c§Ä, ]-g§Ä, `-£Ww, shÅw, ip²hmbp, \Ã 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-¶mÂ A-Xym-{K-l-w \n-dth-äm-\m-bp-Å-sXm-¶p-anÃ F-¶mWv. kwcw`IXz¯nÂ \nt£-]hpw ]p\À\nt£]hpsaÃmw Ahiy LS I§fmWv. {S-Ìn- jn-¸nsâ {]hÀ ¯\ coXnbpw AXmWv. F-¶mÂ 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-¶nÂ 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 tkmWnÂ \n¶v ]pd¯p IS¶v t\XrXzw hln¨p. G-sXm-cp Im-cy-¯n\pw ap-¶nÂ \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-bnÂ \-S-¶ kw-cw-`-I kw-Kaamb "ssS-tIm¬ tIcf2019' Â 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. HcpkwcwÌ³ 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\nÂ¡pIbpw sN¿pI. \n-§Ä-¡p ]-d-bm-\pÅ-Xv ss[-cy-am-bn ]-d-bp-I. F-¶mÂ 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-Ìsc 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 kwcwÌs\ Hmtcm hyànbpw DWÀt¯|Xp|v. kzbw kwh Zn¡m³ km[n¡Ww. A\n ÝnXXz§sf t\cnSm³ Bhiy-amb ]pXnb B-ib§Ä DÅnÂ \n¶v h-cpw. (ssS-t¡m¬ tI-c-f-bn-se hoUntbm {]-kw-K-¯nÂ \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 ZnibnÂ \n¶pw hcmw H

cp Un-Pn-äÂ _n-kn\-kv _m-¦nw-Kn-em-Is«, Un-Pnhn-¹-h-¯n-sâ ]-Sn-hm-XnÂäÂ 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-_oÂ 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-¯nÂ C´y atä-sXm-cp sfÃmw hn-kv-ar-Xn-bn-em-|pcm-Py-s¯-¡mfpw ap-¼n-emSn.sP dm-t^Â ¡-gnªp. Cu \q-äm-|n-sâ Wv þ BÀ-«n-^n-jyÂ CâXpS-¡w ap-XÂ t^mÀ-Nyq¬ 500 I-¼- en-P³kv, sa-jo³ te-WnwKv, tdm\n-I-fnÂ 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-äÂ 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-bnÂ \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-\-bnÂ 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-\-dÂ am-t\-Pcpw CIObp-am-b Sn.sP dm-t^Â ssS-tIm-WnÂ \-S¯n-b {]-kw-K-¯n-sâ kw{Klw)

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HIv-täm_À 31, 2019

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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-\-¯nÂ hy-à-am-¡n -bn-cp-¶p. 2018 Â 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-Â \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-\-¯nÂ kw-cw-`-I-cp-am-bn tNÀ¶v {]-hÀ-¯n-¡p-¶ _n-kn\-kv A-ssUzk-dm-Wv te-JI³. 1992Â 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-¶nÂ Im-Wn-¨n-cn-¡p-¶-Xp t]m-se G-gp cq-] \-ãw F-¶ Øn-Xn-bn-se¯p-I-bpw sNbv-Xp. F-¶mÂ 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-¶nÂ 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-]-bnÂ \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-]-bnÂ \n-¶v G-gp cq-]-bm-bn Ip-d-bv-¡p-I-bpw sN-bv-Xp. hn-]-Wn- B-hiy-s¸-Sp-¶ co-Xn-bnÂ X-sâ DÂ-¸-¶¯n-sâ hn-e Ip-d-bv-¡m³ X-bm-dm-bmÂ an-I-¨ sk-bvÂ-kv-am-\v Iq-Sp-XÂ 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 -¶mÂ 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 - Ã - 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 \-Ã 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-\mÂ 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-¶nÂ 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-¶nÂ 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-]-bnÂ \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-|nÂ Im-Wp-¶-Xp t]m-se am-µy-¯n-sâ a-[y-L-«-¯nÂ 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-XnÂ 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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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

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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

hÀ-jw ap-¼v, t_mw-s_-bnÂ \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-«nÂ 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-\-¯nÂ 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-bvÂ 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-Ã 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-IfnÂ {]-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-¶mÂ 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-¶mÂ sa-jn³ te-Wnw-Kv tkm-^vävshbÀ am-dnh-cp-¶ km-l-N-cy-§-fnÂ \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-|nÂ A-ta-cn-¡bn-epw a-äpw \-S-¡m³ km-[y-X-bpÅ km-t¦-Xn-I hn-¹-h-s¯-¸-än-b-Ã ]-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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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-änÂ 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-¯nÂ 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-fnÂ 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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HIv-täm_À 31, 2019

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Xn-

c-¡p \n-d-ª Po-hn-X-¯nÂ 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-¶mÂ Po-hn-X-¯nÂ 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-bnÂ \n-¶p am-dn-¨n-´n-¡m³ X-¿m-dm-bmÂ 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-sÃ izm-kw A-I-t¯-s¡-Sp-¯p-sIm|v a-\-ÊnÂ A-©v h-sc F-®p-I. AtX-t]m se A-©v h-sc F-®n izm-kw sa-sÃ ]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\-©nÂ 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-\-ÊnÂ A-s©-®n-s¡m-|v sa-sÃ 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-ªmÂ ]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-XÂ A-©v h-sc a-\-ÊnÂ F-®n izm-kw ]n-Sn-¨p \nÀ-¯mw. A-¯-c-¯nÂ \-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-\-knÂ 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

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-fnÂ \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]¯nÂ {]-i-kv-X-sc Iq-Sp-XÂ 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

Rm³ DÅnencn¸v _p¡nsâ ........... tIm¸n hm§m³ B{Kln¡p¶p t]cv............................................................. ..................................................................... taÂhnemkw ............................................ ..................................................................... .................................................................... ]n³............................................................. t^m¬........................................................ ..................................................................... C--sabnÂ .................................................. ..................................................................... H¸v- .......................................................................... XobXn .................................................................. Method of payment: M.O, Cash, NEFT, Cheque, Draft , In favour of Dhanam Publications Pvt. Ltd., Kochi. Please add Rs. 40/-for outstation cheque.

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Responsible Business coXnIÄ F¶nh ]T\ hnt[bam¡n. c-|p am-k-¯n-\p ti-jw B-Zy DÂ¸¶w "an-«n' F-¶ shÀ-anIw-t]mkv-äv A-h-X-cn-¸n-¨p. sF-sF-Sn- Im¬-]q-cnÂ \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-UnÂ \nÀ-an-¨p Xp-S-§n. ""C¶v R§Ä bp]nbnse aq¶v \Kc§fnÂ \n¶v amen\y ]q¡Ä tiJcn¡p¶p. Cu ]pjv]§fnÂ \n¶v DÂ¸m -kn\-kv F-¶mÂ Zn¸n¡p¶ Xncn Hmtcm an\n shdpw ]-W-ap-|mänepw Hcp ]mbv¡v ¡Â am-{X-aÃ. k-aq-lw F¶ tXmXnÂ 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-SÂ Iq-Sn-bm-Wv. A-¯Wv a-säm-cp {]-iv-\w c-¯nÂ 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-«nÂ t]m-b-t¸mÄ t£A-¦nX pw I-c¬ IÄ a-Sn-¡p-¶-Xn-\mÂ {X-§-fnÂ \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-fnÂ Xp-fkn-bp-tSbpw aäpw hn-¯p-IÄ kw-cw-`-¯nÂ 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§fnÂ 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]§fnÂ \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]§fnÂ \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§fnÂ 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¯ tkmjyÂ aoUnbbnse tlm«vv Unkv-Ij\pIfnsem¶mWv. kv-In³ C³ Zn sKbnw, t]cv t]mse Xs¶ Hmtcm hyànbpw Xsâ taJebnÂ {]Xn` sXfnbn¡m³ sNept¯| DÕmlhpw BßmÀ°amb ]cn {iahpamWv ]pXnb Hcp Xe¯nÂ \n¶psIm|v AhXcn¸n¨n«pÅXv. km[mcW ]uc·mÀ, t]meokv, cm{ãob t\Xm¡Ä, ao³]nSp¯¡mÀ, kwcwÌÀ F¶nhscÃmw 'kv-In³ C³ Zn sKbnan'epÅhcmWv. AXmbXv \ã§Ä¡pw ]cmPb§Ä¡pw Fń\v hnPb¯n\pt]mepw dnkv-Iv GsäSp¡p¶À. PohnX¯nÂ \mw A`napJoIcnt¡|XmbpÅ dnkv-Iv amt\Pv-saânsâ hyXykvX Xe§sf hfsc BImwj P\n ¸n¡p¶ Xc¯nÂ AhXcn¸n¡m³ Fgp¯pImc\v Ignªn«p|v. Ime§fmbn dnkv-IpIsf¡pdn¨pw {]Xnês¯¡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^bvÂ FÃmhcpw Ft¸mgpw hnPbnItfmSv tNmZn¡p¶ Hcp tNmZyamWv

"\n§fpsS kIv-kkv t^mÀape' F´mWv F¶pÅXv. F¶mÂ _d_mknbpsS Zn t^mÀape; Zn kb³kv _nssl³Uv ssh ]o¸vÄ kIv-koUv HmÀ s^bvÂ 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

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-]mÂ a-lo-{µ sN-bÀ-am³, a-lo-{µ {Kq-¸v

1955 Â apw-ss_-bnÂ P-\n-¨ B-\-µv a-lo-{µ lmÀ-hmÀ-UnÂ \n-¶v Fw-_n-F ]qÀ-¯nbm-¡n-b ti-j-am-Wv Ip-Spw-_ _n-kn-\ -knÂ 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-§-fnÂ k-Po-ham-b B\-µv a-lo-{µbv-¡v Szn-ä-dnÂ 73 e-£w t^m-tfmth-gv-kpïv.

tem-II-¸v ^p-Sv-t_m-fnÂ kv-s]bv³ þ t]mÀ-«v-KÂ a-Õ-c¯n-sâ a-e-bm-fw I-aâ-dn-bnÂ ssj-Pp Zm-tam-Zc-sâ ssl thmÄt«-Pv {]-I-S-\-hpw Xr-iqÀ PnÃ-bn-se am-f-bnÂ Zn-h-khpw Ip-Xn-c-¸p-c-t¯-dn ]Tn-¡m³ t]m-Ip-¶ s]¬-Ip-«nbpw sIm-¨n-bnÂ 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-fnÂ I-S-s¶¯n-bn-«p-ïv. C-¡mc-Ww sIm-ïp Iq-Sn C-h-sbÃmw tZ-io-b-X-e¯nÂ hmÀ-¯-bm-Ip-Ibpw sN-bv-Xp.

1989 Â FIvknIyq«nhv Akn Ìâmbn Øm]\¯nÂ 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-ý³ C³-U-kv -{Sn {]-kn-Uâv, Hm-t«m-tam-«o-hv dn-kÀ-¨v A-tkm-kn-tb-j³ Hm-^v C-ý, lmÀ-hmÀ-Uv _n-kn-\-kv kv -Iq-Ä A-tkm-kn-tb-j³ Hm-^v C-ý, 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-¯nÂ I-¼\n-¡m-bn

sk-bv-enwKv, sS-¶okv, hm-b-\ F-¶n-h-bnÂ AXo-h XÂ -¸-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-sUbvÂ kv-Iq-fnÂ ]T-\w \-S-¯n-bXn-\mÂ X-an-gv \-¶m-bn A-dn-bmw. ^n-enw ta-bv-¡nw-Kn-epw BÀ-¡n -sS-Iv-N-dnepw lmÀ-hmÀ-UnÂ \n-¶v _n-cp-Zw t\-Sn-bn-«pïv.

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 XÂ¸c\mWv B\µv alo{µ. XnbäÀ taJebnÂ alo{µ FIvke³kv AhmÀUv GÀ s¸Sp¯m\pw At±lw Xbmdmbn. Ie IcIuie taJebnÂ {]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-bÂ 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-fnÂ a-lo-{µbp-sS km-¶n-[y-ap-|v. {^-©v kÀ-¡m-cnÂ \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-bmÂ gv-kn-s\ t^mÀ-Nyq¬ am-K-kn³ C-´y-bv-¡v h³-tXm-XnÂ 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-bnÂ {]-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-bmÂ 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