Mumet
Mumet
Mumet
ELE DDD
DMADILQKU MLPDKMLH OSQS ZCHLTLMLM ICPCGLQLM
>. Liurlsd
Altl ylmf adiuopuhilm acmflm ocmffumlilm dmadiltkr tcrsceut
glrus liurlt.
6. L`tdkmledhdty
Zcruelglm pcrdhliu olupum sdstco alplt ocopcreldid pcm`lpldlm
dmadiltkr.
7. Alplt adpcrelmadmfilm
Dmadiltkr glrus alplt adpcrelmadmfilm acmflm stlmalr ltlu lmtlr
wdhlylg.
4. Ircadech
-5-
@. Dmadiltkr Mlsdkmlh Outu Zchlylmlm Icscgltlm
Ecralslrilm prkscs pcmctlplm dmadiltkr ylmf tchlg adhliuilm, olil
adtctlpilm dmadiltkr dmadiltkr mlsdkmlh outu pchlylmlm icscgltlm
scelfld ecrdiut 2
<. Dmadiltkr Mlsdkmlh Outu pchlylmlm icscgltlm ad Uuolg Plidt
l. Icpltuglm icecrsdglm tlmflm
e. Icpltuglm pcmffumllm Lhlt Zchdmaumf Adrd (LZA)
`. Icpltuglm dacmtdndilsd plsdcm
a. Vlitu tlmfflp kpcrlsd scisdk scslrcl
cocrfcmsd c. Vlitu tumffu rlwlt blhlm
Altl
0. Hdtcrltur
1. Lmlhdsds sdtulsd
pchlylmlm
Zrkscs 2 umtui ocmdhld lpl ylmf adicrblilm stln
nlsdhdtls pchlylmlm icscgltlm
alm elfldolml pchlislmllm pcicrbllmmyl
Kutput 2 umtui ocmdhld glsdh alrd prkscs
ylmf adhlislmlilm
Kut`koc2 umtui ocmdhld alopli hlylmlm ylmf
adecrdilm tcrglalp pcmffuml hlylmlm
Pltulm Ptlmalr ltlu alslr uiurlm ylmf adfumlilm
Zcmfuiurlm Lmtlrl hldm2 buohlg, pcrscmtlsc, alm sltulm wlitu.
Muocrltkr Buohlg suebci ltlu ikmadsd ylmf dmfdm aduiur alhlo
-
Altl
Ecslr Plopch Buohlg altl ylmf glrus adiuopuhilm lflr
ocwlidhd pkpuhlsd. Ecslr slopch adscsuldilm
acmflm ildalg- ildalg stltdstdi.
@lrl @lrl ocodhdg slopch alrd pkpuhlsd umtui
Zcmfloedhlm ocmfuopuhilm dmnkrolsd/altl ylmf ocmffloelrilm
Plopch sdnlt ltlu `drd ylmf adodhdid pkpuhlsd.
Pc`lrl uouo lal 5 `lrl 2
<. Zrkeledhdty Plophdmf
5. Mkm Zrkeledhdty Plophdmf
Zcrdkac Iurum wlitu ylmf adtctlpilm umtui ochliuilm
-
Zcmfuopuhlm
pcmfuopuhlm altl, `kmtkgmyl sctdlp euhlm
Altl
Zcmylbdlm Altl @lrl ocmlopdhilm altl, `kmtkg tlech, rum `glrt, frlndi
Zcrdkac Lmlhdsds Iurum wlitu ylmf adtctlpilm umtui
alm ochliuilm lmlhdsds alm ochlpkrilm altl, `kmtkgmyl
Zchlpkrlm Altl sctdlp euhlm, sctdlp trdwuhlm
Zcmlmffumf Zctufls ylmf ecrtlmfffumf blwle umtui
Blwle ocmfikkradmdr uplyl pcm`lpldlm tlrfct ylmf
adtctlpilm
1. Uuolg slidt glrus ocopcrgltdilm icpltuglm schurug pcoecrd pchlylmlm alhlo
`u`d tlmflm scsuld acmflm ictcmtulm VGK.
Irdtcrdl Cisihusd 2
Qdali lal
Nkrouhl
Buohlg tdmalilm icecrsdglm tlmflm ylmf
adhliuilm
x <:: %
Buohlg tktlh pchulmf icecrsdglm tlmflm
ylmf scglrusmyl adhliuilm alhlo pcrdkac
kescrvlsd
Octkac Kescrvlsd
Zcmfuopuhlm
Altl
Puoecr Altl Glsdh kescrvlsd
Dmstruocm Nkrouhdr Icpltuglm Icecrsdglm Qlmflm
-
Zcmfloedhlm
Altl
Ecslr Plopch @lrl Zcmfloedhlm
Plopch Odmdolh 5:: Zchulmf
Mkm prkeledhdty Plophdmf ‐ @kmsc`utdvc slophdmf
Zcrdkac Euhlmlm
Zcmfuopuhlm
Altl Zcmylbdlm Altl
Qlech
Uum `glrt
Zcmfuiurlm
Muocrltkr
Buohlg pctufls ylmf pltug ocmffumlilm
(pcoedhlmf)
LZA scsuld dmadilsd alhlo pcrdkac kescrvlsd
Acmkodmltkr
Buohlg schurug pctufls ylmf tcrdmadilsd
(pcmyceut)
Qlrfct ocmffumlilm LZA alhlo pcrdkac kescrvlsd
<::%
Zcm`lpldlm
Irdtcrdl2 Irdtcrdl Dmihusd2
Pcoul pctufls ylmf tcrdmadilsd glrus
ocmffumlilm LZA
Irdtcrdl Cisihusd2
Qdali lal
Nkrouhl Buohlg pctufls ylmf pltug ocmffumlilm
Octkac Kescrvlsd
Zcmfuopuhlm
Altl
Puoecr Altl Glsdh kescrvlsd
Dmstruocm Nkrouhdr Kescrvlsd Icpltuglm Zcmffumllm LZA
Zcmfloedhlm
Altl
Ecslr Plopch • Qktlh slopch (lpledhl buohlg pkpuhlsd ≡ 0:)
• Uuous Phkvdm (lpledhl buohlg pkpuhlsd = 0:)
@lrl
Mkm Zrkeledhdty Plophdmf ‐ @kmsc`utdvc Plophdmf
Zcmfloedhlm
Plopch
Zcrdkac
Euhlmlm
Zcmfuopuhlm
Altl
Zcmylbdlm Altl Qlech
Uum `glrt
Zcrdkac Lmlhdsds Euhlmlm, Qrdwuhlmlm, Qlgumlm
-
•
Ikmadsd tcrtcmtu 2 plsdcm tdali alplt
ecrikoumdilsd (acmflm vcmtdhltkr), plsdcm
elyd, plsdcm tdali slalr, elyd icoelr.
3. Dacmtdndilsd plsdcm adlmfflp ecmlr bdil
pcoecrd pchlylmlm ochliuilm dacmtdndilsd
schurug tdmalilm dmtcrvcmsd ylmf adhliuilm
acmflm ecmlr.
Bcmds Dmadiltkr Zrkscs
Pltulm Zcrscmtlsc
Zcmfuiurlm
Muocrltkr Buohlg pcoecrd pchlylmlm ylmf
(pcoedhlmf) ochliuilm dacmtdndilsd plsdcm sc`lrl ecmlr
alhlo pcrdkac kescrvlsd
Acmkodmltkr Buohlg pcoecrd pchlylmlm ylmf adkescrvlsd alhlo
(pcmyceut) pcrdkac kescrvlsd
Qlrfct <::%
Zcm`lpldlm
Irdtcrdl2 Irdtcrdl Dmihusd2
Pcoul pcoecrd pchlylmlm ylmf ocoecrdilm
pchlylmlm icscgltlm.
-
Irdtcrdl Cisihusd2
Qdali lal
Nkrouhl
Buohlg pcoecrd pchlylmlm ylmf ochliuilm
dacmtdndilsd plsdcm sc`lrl ecmlr alhlo pcrdkac kescrvlsd
x <::%
Buohlg pcoecrd pchlylmlm ylmf adkescrvlsd
alhlo pcrdkac kescrvlsd
Octkac Kescrvlsd
Zcmfuopuhlm
Altl
Puoecr Altl
Glsdh kescrvlsd
Dmstruocm Nkrouhdr Kescrvlsd Icpltuglm Dacmtdndilsd Zlsdcm
Zcmfloedhlm Altl
Zcmfloedhlm
Plopch Zcrdkac Zcmfuopuhlm
Altl
Euhlmlm
Pltulm
Zcrscmtlsc
Zcmfuiurlm
Muocrltkr
Buohlg plsdcm ylmf adputusilm tdmalilm scisdk
(pcoedhlmf)
scslrcl cocrfcmsd iltcfkrd D (sltu) ylmf
Irdtcrdl Cisihusd
Qdali lal
Nkrouhl
Buohlg plsdcm ylmf adputusilm tdmalilm scisdk
scslrcl cocrfcmsd iltcfkrd D ylmf ocmalpltilm
tdmalilm scisdk scslrcl ≡ 0: ocmdt
x <:: %
Buohlg plsdcm ylmf adputusilm tdmalilm
scisdk scslrcl cocrfcmsd iltcfkrd D
Octkac Uctrkspcitdn
Zcmfuopuhlm
Altl
Puoecr Altl Altl sciumacr alrd rcilo ocadi, hlpkrlm kpcrlsd
Dmstruocm
Nkrouhdr Vlitu Qlmfflp Pcisdk Pcslrcl
Zcmfloedhlm
Cocrfcmsd
Altl
Ecslr Plopch Qktlh slopch
Zcmfloedhlm
Plopch
Zcrdkac
Euhlmlm
Zcmfuopuhlm
Altl
Zcmylbdlm Altl Qlech
Uum `glrt
Irdtcrdl cisihusd2
▢ Zlsdcm ocad`lh `gc`i up, plsdcm pkhd fdfd
Zlsdcm ylmf ocmalntlr
ltlu lmbumflm
▢
kmhdmc
-
Octkac
Uctrkspcitdn
Zcmfuopuhlm
Altl
Puoecr Altl Puoecr altl sciumacr lmtlrl hldm alrd2
<. @ltltlm Zcmalntlrlm Zlsdcm Ulwlt Blhlm
5. Ucilo Ocadi Zlsdcm Ulwlt Blhlm
Uum `glrt
adblawlhilm.
5. Zcmumallm kpcrlsd chcitdn lalhlg tdmalilm
kpcrlsd ylmf tcrtumal hcedg alrd < blo alrd
blawlh kpcrlsd ylmf adtcmtuilm.
Bcmds Dmadiltkr Zrkscs
Pltulm Zcrscmtlsc
Zcmfuiurlm
Muocrltkr Buohlg plsdcm ylmf blawlh kpcrlsdmyl tcrtumal
(pcoedhlmf) hcedg alrd < blo
Acmkodmltkr Buohlg plsdcm kpcrlsd chcitdn
(pcmyceut)
Qlrfct ≡ 3%
Zcm`lpldlm
Irdtcrdl2 Irdtcrdl Dmihusd2
Zlsdcm kpcrlsd chcitdn
Irdtcrdl Cisihusd2
Zcmumallm kpcrlsd ltls dmadilsd ocads
Nkrouhl
Buohlg plsdcm ylmf blawlh kpcrlsdmyl
Octkac Uctrkspcitdn
Zcmfuopuhlm Altl
Zcmfloedhlm
Plopch Zcrdkac
Euhlmlm
Zcmfuopuhlm
Altl
Zcmylbdlm Altl
Qlech
Uum `glrt
Irdtcrdl Cisihusd2
▢ Zlsdcm ylmf elru olsui rlwlt dmlp glrd dtu
▢ Zlsdcm ikmsuh
Nkrouhl
Buohlg plsdcm ylmf ad-vdsdtc akitcr plal
puiuh :>.::-<1.::
x <:: %
Buohlg plsdcm ylmf adkescrvlsd
Octkac Uctrkspcitdn
Zcmfuopuhlm
Altl
Puoecr Altl Altl sciumacr ecrupl hlpkrlm vdsdtc rlwlt
dmlp alhlo rcilo ocadi
Dmstruocm Nkrouhdr Icpltuglm Vlitu ^dsdtc Akitcr
Zcmfloedhlm
Altl
Ecslr Plopch • Qktlh slopch (lpledhl buohlg pkpuhlsd ≡ 0:)
• Uuous Phkvdm (lpledhl buohlg pkpuhlsd = 0:)
@lrl Zrkeledhdty Plophdmf ‐ Ptrltdndca Ulmako
Plophdmf
-
Zcmfloedhlm
(ecralslrilm umdt pchlylmlm)
Plopch
Zcrdkac
Euhlmlm
Zcmfuopuhlm
Altl
Zcmylbdlm Altl Qlech
Uum `glrt
Irdtcrdl Cisihusd 2
Qdali lal
Nkrouhl
buohlg glsdh irdtds hlekrltkrduo ylmf
adhlpkrilm ≡ 0: ocmdt
x <:: %
Octkac Uctrkspcitdn
Zcmfuopuhlm
Altl
Puoecr altl Altl sciumacr alrd2
@ltltlm Altl Hlpkrlm Glsdh Qcs Irdtds
Hlekrltkrduo
Dmstruocm Nkrouhdr Zchlpkrlm Glsdh Irdtds Hlekrltkrduo
-
Zcmfloedhlm
Altl
Ecslr Plopch
Qktlh slopch (lpledhl buohlg pkpuhlsd ≡ 0:)
Uuous Phkvdm (lpledhl buohlg pkpuhlsd = 0:)
@lrl Zrkeledhdty Plophdmf ‐ Pdophc Ulmako Plophdmf / Pystcoltd` Ulmako Plo
Zcmfloedhlm
Plopch
Zcrdkac Zcmfuopuhlm
Altl Euhlmlm
Irdtcrdl Cisihusd 2
<. Kelt ylmf adrcscpilm ad hulr NKUMLP tctlpd
adeutugilm plsdcm alm tchlg ocmalpltilm
pcrsctubulm ikodtc ocadi alm adrcitur.
5. Edhl alhlo rcscp tcralplt kelt ad hulr NKUMLP
ilrcml stki kelt mlsdkmlh ecralslrilm
c-
Nkrouhl iltlhkf gleds/ikskmf.
Octkac Uctrkspcitdn
Zcmfuopuhlm
Altl
Puoecr altl
Hcoelr rcscp ad Dmstlhlsd Nlrolsd
Zcrdkac Euhlmlm
Zcmfuopuhlm
Altl Zcmylbdlm Altl
Qlech
Uum `glrt
mlsdkmlh lalhlg 2
l. Gdpcrtcmsd
e. Adlectcs ochdtus
`. QE
a. GD^
c. Icflmlslm
3. Zcodhdglm pcmylidt ylmf lilm
adhliuilm pcmfuiurlm icpltuglm
tcrglalp lhur
ihdmds/`hdmd`lh pltgwly umtui UP igusus
adscsuldilm acmflm prkfrlo prdkrdtls mlsdkmlh
Irdtcrdl Cisihusd 2
Octkac Uctrkspcitdn
Zcmfuopuhlm
Altl
Puoecr Altl Altl sciumacr alrd rcilo ocads plsdcm
Dmstruocm Nkrouhdr Icpltuglm @hdmd`lh Zltgwly
Zcmfloedhlm
Altl
Ecslr Plopch • Qktlh slopch (lpledhl buohlg pkpuhlsd ≡ 0:)
• Uuous Phkvdm (lpledhl buohlg pkpuhlsd = 0:)
@lrl
Zrkeledhdty Plophdmf ‐ Ptrltdndca Ulmako
Zcmfloedhlm Plophdmf
Plopch (ecralslrilm olsdmf-olsdmf @hdmd`lh Zltgwly)
-
Zcrdkac
Euhlmlm
Zcmfuopuhlm
Altl
Zcmylbdlm Altl Qlech
Uum`glrt
Acmkodmltkr
Buohlg plsdcm rlwlt dmlp ecrdsdik tdmffd bltug
(pcmyceut)
ylmf adkescrvlsd
Qlrfct
<::%
Zcm`lpldlm
Irdtcrdl Irdtcrdl Dmihusd 2
Zlsdcm rlwlt dmlp ecrdsdik tdmffd bltug
Irdtcrdl Cisihusd 2
Zlsdcm ylmf tdali alplt adhliuilm lscsocm uhlmf
olupum cauilsd scpcrtd plsdcm ocmdmfflh, plsdcm
flmffulm bdwl ylmf sualg ochcwltd nlsc liut, alm
plsdcm ocmkhli dmtcrvcmsd
Nkrouhl
Buohlg plsdcm rlwlt dmlp ecrdsdik tdmffd
bltug ylmf ocmalpltilm ictdfl uplyl
pcm`cflglm rdsdik bltug x <:: %
Buohlg plsdcm rlwlt dmlp ylmf
ecrdsdik tdmffd bltug ylmf
adkescrvlsd
Octkac Uctrkspcitdn
Zcmfuopuhlm
Altl
Puoecr Altl Altl sciumacr ocmffumlilm altl alrd rcilo
ocads
Uum `glrt
Pltulm Zcrscmtlsc
Zcmfuiurlm
Muocrltkr Buohlg ikophldm ylmf adtlmfflpd
(pcoedhlmf) alm adtdmalihlmbutd scsuld wlitu ylmf
adtctlpilm ecralslrilm frladmf
Acmkodmltkr Buohlg ikophldm ylmf adsurvcd
(pcmyceut)
Qlrfct ≣ 7:%
Zcm`lpldlm
Irdtcrdl2 Irdtcrdl Dmihusd 2
-
Irdtcrdl Cisihusd 2
Qdali lal
Octkac Uctrkspcitdn
Zcmfuopuhlm
Altl
Puoecr Altl
Dmstruocm Zcmfloedhlm
Altl sciumacr alrd `ltltlm Ikophldm
<. Nkrouhdr Ikophldm
5. Hlpkrlm Qdmali Hlmbut Ikophldm
Altl
Ecslr Plopch Qktlh slopch (lpledhl buohlg pkpuhlsd ≡ 0:)
Uuous Phkvdm (lpledhl buohlg pkpuhlsd = 0:)
@lrl Zrkeledhdty Plophdmf ‐ Pdophc Ulmako Plophdmf
Zcmfloedhlm
Plopch Zcrdkac Zcmfuopuhlm
Altl
Euhlmlm
Irdtcrdl Cisihusd 2
Zlsdcm ylmf tdali ikopctcm alhlo ocmfdsd
iucsdkmcr alm/ltlu tdali lal ichulrfl
ylmf ocmalopdmfd.
Nkrouhl
Qktlh mdhld pcrscpsd schurug rcspkmacm
x 53
Qktlh umsur ylmf tcrdsd alrd schurug
rcspkmacm
Octkac
Purvcd
Zcmfuopuhlm
Altl
Puoecr Altl Glsdh survcd
Dmstruocm Iudsdkmcr (tcrhlopdr)
Zcmfloedhlm
Altl
Ecslr Plopch Pcsuld tlech Plopch Ircb`dc alm Okrflm
@lrl Ptrltdndca Ulmako Plophdmf
Zcmfloedhlm
-
Plopch
Zcrdkac
Pcocstcrlm
Zcmfuopuhlm
Altl
Zcmylbdlm Altl Qlech
Uum `glrt
ELE D^
QLGLZLM ZCMFSISULM DMADILQKU MLPDKMLH
OSQS ZCHLTLMLM ICPCGLQLM
pkpuhlsd.
5) Plophdmf mkm prkeledhdtls (Mkm-prkeledhdty slophdmf)
Qcimdi dmd hcedg prlitds alm hcedg oualg adhliuilm
scgdmffl hcedg scrdmf adfumlilm. Bcmds mkm
slophdmf
prkeledhdtls lmtlrl hldm 2
l) @kmsc`utdvc Plophdmf
Qcimdi dmd ocodhdg `lhkm suebci/slopch ecralslrilm
icaltlmflm ad tcoplt pcmchdtdlm. @lhkm suebci/slopch
ylmf ococmugd irdtcrdl dmihusd alm tdali lal irdtcrdl
cisihusd lilm adfumlilm scelfld slopch. Zcmfloedhlm
? <:::
< + (<::: :,:3 )
<:::
?
< + (<::: :,::53)
? <:::
< + 5,3
<:::
?
0,3
m ? 573,6<10
Lpledhl adeuhltilm olil ecslr slopch odmdolh alrd <.:::
pkpuhlsd plal olrfdm kn crrkr 3% lalhlg scecslr 57>.
6. Ichlhldlm.
7. Nkrouhdr pcmfuopuhlm altl echuo tcracsldm acmflm eldi.
Lmlhdsds altl lalhlg sultu pkscs ltlu uplyl umtui ocmffleumfilm alm
ocmfuelg altl ocmblad dmnkrolsd ylmf alplt adplglod alm ecrfuml
alhlo ocoeult icsdopuhlm ltlu ocoeult icputuslm. Smdt
ylmf ecrtlmffumf blwle, alplt adelmtu khcg ikodtc/tdo outu
umtui ochliuilm lmlhdsds altl tcrsceut.
Altl bufl pcrhu adslbdilm alhlo ecmtui ylmf oualg adel`l alm
adocmfcrtd, umtui ocoualgilm dmtcrprctlsd glsdh pcmfuiurlm
dmadiltkr outu.
Pc`lrl flrds ecslr lal tdfl `lrl ylmf scrdmf adplild umtui pcmylbdlm altl
yldtu2
<. Mlrlsd
@drd alrd pcmylbdlm sc`lrl tuhdslm lalhlg2
l. Adeult alhlo ecmtui mlrlsd ouhld alrd pcmfloedhlm altl gdmffl
icsdopuhlm.
e. Ichcolglm2 iurlmf ocmffloelrilm ecmtui stltdstdi edhl tcrhlhu
elmyli altlmyl.
5. Qlech
Zcmylbdlm altl alhlo ecmtui lmfil ylmf adsusum alhlo ikhko alm
elrds acmflm tubulm umtui ocmumbuiilm nrciucmsd icbladlm
alhlo iltcfkrd ylmf ecrecal.
0. Adlfrlo
Nlsylmics alplt ocmffumlilm ececrlpl bcmds adlfrlo
umtui ocoelmtu lmlhdsds. Ictcpltlm pcodhdglm lhlt tcrflmtumf
plal sdnlt altl. Ececrlpl lhlt ylmf plhdmf uouo adfumlilm2
l. Adlfrlo Uum @glrt
Adlfrlo rum `glrt adfumlilm umtui ocmfcvlhulsd altl alrd
wlitu ic wlitu. Adlfrlo rum `glrt alplt ocmumbuiilm 2
<) Floelrlm uouo sceulg prkscs
5) Flrds ylmf ocmumbuiilm mdhld scplmblmf wlitu
0) Qrcma mldi alm turum
-
5) Qrcm ltlu Qrcma lalhlg bdil > tdtdi ltlu hcedg ecrturut-
turut ecrfcrli ic lrlg ylmf slol. Qdtdi flrds altlr
tdali
tcrolsui alhlo gdtumflm.
0) Rdfzlf lalhlg bdil <1 tdtdi ltlu hcedg turum
mldi. e. Adlfrlo ikmtrkh ltlu @kmtrkh @glrt
Adlfrlo ikmtrkh dmd adfumlilm umtui ocmdhld stledhdtls sultu
prkscs ochlhud lmlhdsds vlrdlsd idmcrbl alrd wlitu ic wlitu.
Adlfrlo ikmtrkh hcedg spcsdndi alrdplal adlfrlo rum
`glrt ilrcml alplt ocmdhld lplilg prkscs ecrlal alhlo
ikmtrkh ltlu tcricmalhd acmflm lalmyl flrds ikmtrkh ltls (Sppcr
`kmtrkh hdodt/
Pctchlg adslbdilm alhlo ecmtui ylmf oualg adplglod (mlrlsd, tlech alm
frlndi), dmnkrolsd tcrsceut pcrhu adhliuilm lmlhdsds. Lmlhdsds
alplt adhliuilm acmflm `lrl2
<. Zcm`lpldlm adelmadmfilm sc`lrl scrdlh (alrd wlitu ic wlitu)
Zcm`lpldlm dmadiltkr adelmadmfilm lmtlrl pcrdkac ecrblhlm
acmflm pcrdkac scechuomyl/ecrdiutmyl scgdmffl alplt adictlgud
lalmyl icscmblmflm/icmldilm olupum pcmurumlm `lpldlm idmcrbl,
lmlhdsds adhliuilm acmflm `lrl ochdglt trcma.
-
5. Zcm`lpldlm adelmadmfilm acmflm tlrfct ylmf tchlg adtctlpilm.
-