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blIf0f clk|msf–( k|fGt
+3Lotf cjnDag u/]sf 5}gg .
-%_
To;sf] ljkl/t s;}n]k"0f{ ;+3Lotf
;]G6 ls6\; P08 g]le;–@
t s;}n] cw{ ;+3Lotf ckgfPsf 5g
. h;cg';f/ cd]/Lsf, hd{gL dxflåk
ci6«]lnof cflbn] k"0f{ ;+l3otf -^_
ckgfPsf 5g eg] ef/t nufotsf slt /l;of–*^ If]q
d'n'sn] cw{ ;+3Lotf dfq -&_
cjnDag u/]sf 5g . To;} u/L ; kk"jf Go"lugL– @) k|
+3Lo /fHonfO{ a'emfpg ltgn] fGt
a]Unf a]Un} gfd klg k|of]u -*_
u/]sf 5g . ci6«]lnof, a|flhn, kfnfp–!^ /fHo
Olyof]lkof, ef/t, dn]lzof, -(_kfls:tfg–$ k|fGt
d]lS;sf], gfOh]l/of, ;+o'St /fHo -!)_
h:tf b]zx?n] æ/fHoÆ zAbsf] k| gfOh]l/of–#^ /fHo
of]u u/]sf 5g eg] Sofg8f / -!!_
kfls:tfg h:tf d'n'sn] æk|fGtÆ d]lS;sf]–#! /fHo
zAbsf] k|of]u u/]sf 5g . To;}u/L
cli6«of / hd{gLdf æNof08/Æ zAbsf] k|of]u ePsf] 5 .
ptf :jL6h/Nof08df æSofG6f]gÆ / a]lNhod tyf ?;n]
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æIf]qÆ zAbsf] k|of]u u/]sf 5g . e"–cfsf/ tyf hg;+Vofsf]
b[li6n] klg ltgsf aLr 7"nf] cGt/ kfOG5 . ;a}eGbf ;fgf] ;
+3Lo /fHo ;]G6ls6\; P08 g]le;sf] hg;+Vof $^ xhf/ 5
eg] ;a}eGbf 7"nf] ef/tsf] em08} ! cj{ 5 . /fHo jf k|
fGtsf] ;+Vofsf b[li6sf]0fn] klg ltgsf] ;+Vofdf 7"nf] cGt/
5 eg] lj36g x'g'k"j{ ?;;Fu *( /fHo lyP . To;}u/L /fHon] ;
+3Lo :j?k ckgfpg]klg a]Unf a]Un} P]ltxfl;s sf/0f /x]sf]
b]vfk5{g . ljj]rsx?n] To:tf sf/0fx?nfO{ # d'Vo >]0fLdf
ljeSt u/]sf 5g . klxnf], 5l/P/ /x]sf /fHox?nfO{ Ps 7fpFdf
NofO{ alnof] /fi6« lgdf{0f x]t' ;+l3otf cjnDag ul/G5 .
bf];|f], 5'l§g nfu]sf /fHox?nfO{ To;f] ug{ glbg] / c+ltd,
pklgj]zaf6 d'St x'g] jf :jtGq x'g] qmddf . tbg'?k cd]l/sf
-!&*&_ :jL6\h/n}08 -!*$*_, ci6«]lnof -!())_ hd{gL -!(!
(_, ?; -!(#^_ / dn]lzof -!(%&_ cflb klxnf] cfjZostfnfO{ ;
+af]wg ug]{ qmddf hlGdPsf ;+3Lo /fHox? x'g .
To;}u/L Sofg8f -!*^&_, a|flhn -!*!!_ gfOh]l/of -!(^)_
bf];|f] cfjZostfn] ;+l3otfdf uPsf /fHo x'g . clg ch]
{lG6gf -!*%#_ cli6«of -!(@)_ ef/t -!(%)_ cflb t];|f]
sf/0fn] hlGdPsf ;+3Lo /fHo x'g .
oL cj:yfx?n] ;a}h;f] /fHon] cfˆgf] ;fd'lxs ;'/Iff /
;d'Ggltsf] p2]Zon] g} ltgLx? ;+l3otfdf k|j]z u/]sf]
cfefif x'G5 .cyf{t 5l/P/ /x]sf /fHox?nfO{ 6'lqmgaf6
arfpg jf :jtGq /fHosf] c:tLTj cIf'00f /fVg g} ltgLx? ;
+3Lotfdf uP . of] x]bf{ xfdL g]kfndf Pp6f ;+ul7t /
Plss[t /fHonfO{ 6'qmfP/ ;+l3odf hfg] k|ofz ub}{5f} .
ljZjsf] cg'ej x]bf{ o;sf/0f ;+l3otfdf hfFbf kIf tyf ljkIfsf]
b'a} cj:yfdf d'n'ssf] ;fj{ef}d;Qf / e'cv08tfdf hf]lvd
b]lvG5 . kfls:tfg tyf >Ln+sfsf] b[i6fGt x]bf{ ;+l3otfdf
ghfg' hf]lvdk"0f{ b]lvG5 eg] gfOh]l/of / ;'8fgsf] ;+3Lo
cg'ej x]bf{ To;df hfg'klg plQs} hf]lvdk"0f{ x'g]
b[i6fGt ldn]sf] 5 . kfls:tfg O{= !($& df ef/taf6 6'lqmP/
c:tLTjdf cfPsf] gofF /fi6« lyof] t/ @% jif{ g6]Sb} O{= !
Chaitanya Institute of Management
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www.chaitanya.org.np
01-4782427
(&! df kfls:tfgaf6 klg j+unfb]z 6'lqmg k'Uof] . Tof]
a]nf wd{sf] cfwf/df kfls:tfg ag]sf] lyof] eg] ca efiffsf
cfwf/df j+unfb]z hGDof] . tTsflng klZrd
kfls:tfgn]k"jL{ kfls:tfgnfO{ bng–dng / zf]if0f–zf;g
ugf{n] g} j+ufnLx?n] ljb|f]x u/L j+unfb]z hDdfPsf
lyP . To;}u/L tldnefifLx?n] klg z'?df a]Un} tldn k|fGtsf]
dfu u/]sf lyP t/ cNk;+Vos tldnefifLsf] Tof] dfunfO{ ax';
+Vos l;+xnLx?sf] ;/sf/n] pk]Iff u¥of] . kmn?j?k O{= !
(&) af6 ltgLx? :jtGq tldn Ondsf nflu lx+;|s cfGbf]ngdf
plqP . em08} #% jif{sf] o; cjlwdf &) xhf/ eGbf a9L
dflg;sf] Hofg uP/ klg tldn ;d:ofn] lsgf/f kfpg ;s]sf]
5}g . lgZro g} xfd|f] pkdxfb]zsf] of] Pp6f Hofb}
lk8fbfoL cg'ej xf] . t/ >Ln+sfn] olt 8/nfUbf] lk8f vKg'
gk/]sf] eP cfh >Ln+sf æPlzofsf] l:j6h/Nof08Æ x'g]
lyof] .
csf]{tkm{ o"/f]k / clk|msfdf sltko /fi6«x?
PsfTdstfaf6 ;+l3otfdf hfg]qmddf emg 7"nf] e'jF/Ldf
k/]sf b[i6fGtx? klg 5g . kf]ln; lny"jfgL sdgj]Ny, dnfof
km]8/]zg, j]i6 Ol08h km]8/]zg, dfnL km]8/]zg, Sofd?g
km]8/]zg, zf]leot ;+3, o"uf]:nfleof km]8/]zg cflb ;+l3o
Joj:yf wfGg g;ls ;dfKt eP/ uP . To;}n] Sofd?g / o"uf08f
PsfTdsaf6 ;+3fTdsdf uO{ k"g PsfTdstfdf kmls{P .
ptf ;'8fg, Olyof]kof / j]lNhod PsfTdsaf6 ;+l3otfdf uPtf
klg glthf cfzfltt 5}\g . kmn:j?k # hflto /fHoaf6 z'?
ePsf] ;'8fgsf] ;+l3o cEof; cfh @^ /fHodf k|j]z u/L
ljv08gsf] ;+3f/df v8f 5 . Olyof]lkofaf6 6'lqmP/ gofF
/fHo Ol/l6«of ag]sf] 5 . tyflk xfn of] Olyof]lkofdf ( j6f
hflto ;+3x? 5g . To;}u/L O{= !(() b]lv j]lNhod klg ;
+3fTds k|0ffnLdf k|j]z u/]sf] 5 . Pp6f /dfOnf] cEof; s]
eg] dn]lzof, a]lNhod, Sofgf8f / ci6«]lnof h:tf ;+l3o
/fHo k|0ffnL ePsf d'n'sx?n] /fhtGqnfO{ klg ;+u;+u}
lnP/ uPsf 5g .
Chaitanya Institute of Management
www.facebook.com/chaitanya
www.chaitanya.org.np
01-4782427
Olyof]lkof, ;'8fg, gfOh]l/of / s+uf]n] hflto cfwf/df ;
+l3otf cjnDag u/]sf lyP . ;'8fg / gfOh]l/ofsf] ;d:of
7ofSs} xfd|} h:tf] xf] . ToxfFklg xfd|} h:tf] hflto
cfwf/df /fHosf] dfu ul/of] . tbg'?k O{= !(^# df # j6f
hflto cfwf/df ;+3x? lgdf{0f ul/P . To;sf] s]lxlbgkl5 g}
rf}yf] hfltn] csf]{ ;+3sf] dfu u¥of] . xfn Tof] ;+Vof #^
k'u]sf] 5 . /, ToxfF x/]s lbg h:tf] hflto b+uf x'g] u5{g .
lsgeg] ToxfF @%) eGbf al9 hflt hghflt a;f]af; u5{g .
lttf] cg'ej s] eg] k"j{ ;f]leot;+3 / k"j{ o"uf]:nfleof klg
hflto cfwf/df g} ljvl08t eP . a'?08L, ?jf08f, O/fs /
ckmuflg:tfgsf u[xo'4x? klg hflto cfwf/ dfg} x'Fb}5g\ .
O08f]g]lzofsf] cfr]k|fGtsf] :jfoQ cleofg, rLgsf] lhofª k|
fGt / blIf0f yfO{Nof08df rn]sf] d';ndfg ljb|f]x /
lkmlnlkG;sf] jiff}{ k"/fgf] ;+3if{ klg hflto / wd{sf]
gfddf rNb} cfPsf] 5 . k"j{ o'uf]:nfleofdf dfz{n l66f]sf]
lgwg kl5 ToxfF hflt / wd{sf] gfddf ljeT; sf6df/n] b]z g}
6'lqmg k'Uof] . cd]l/sL u7aGwgsf] g]6f]sf] leif0f
xdnfn] To:tf] dxfg b]z Wj:t eof] . olx s'/f O/fs /
ckmufgL:tfgdf x'Fb}5g\ . ;'8fgsf] 8fkmf]{/ k|fGtdf
d';ndfg / lqmlZrogn] Ps csf]{nfO{ g/;+xf/ u/] . t/
o'uf]:nfleofaf6 hflto cfwf/df 5'l§Psf] qmf]Plzofdf
j]Un} /fHo dfUg] cNk;+Vos ;j{, To:t} dfudf plqPsf ?;L
r]rg, cf;fdaf6 cnlUuPsf] ldhf] cNk;+Vosåf/f 5'§}
jf]8f] /fHosf] dfu cflbn] hflto /fHodf cNk;+Vos hfltnfO{
;Gt'i6 u/fpg g;Sg] b[itfG6 5f]8]sf 5g\ .