Sistem Informasi Koperasi Simpan Pinjam - Versi 1

CLXL VDGALGXLP

Vpkzdz Vpkzdz ulga vlgmlga xdnlb odgalgxlp cd zd`tlb zd`tlb blzen. blzen. lxlz zd`tlb vdpmtlgalg' vdpmtlgalg' Cloe zlovleclg vtme zutctp hlg xdpeol clzeb cdvlhl Lnnlb ZQX. lxlz Pehbkgul vlvdp  cloe ulga `dpmthtn „ZEZXDO EGIKPOLZE ZEOVLG VEGMLO CKVDPLZE OE/<6 ‒61„ xdnlb xdpzdndzleclg' Zd`tlb vlvdp ulga zlgalx ptoex. tgxtc ododgtbe olxl ctnelb Vdplgj Vdplgjlga lgalg lg @lzez @lzez Hlxl' Hlxl' Vdgtne Vdgtnezz odgulh odgulhlpe lpe hlnlo hlnlo odgadpm odgadpmlcl lclg g vlvdp vlvdp ege xehlc  xehlc  zdghepelg. `daext `lgulc ulga odo`dpeclg htctgalg hlg `lgxtlg. olcl zdvlgxlzgul   vdgtnez odgulovleclg xdpeolclzeb ulga odghlnlo tgxtc odpdcl. xlgvl cdxtntzlg odpdcl vlvdp ege xehlc xdpzdndzleclg' Xdpeolclzeb cdvlhl Lnnlb ZQX ulga xdnlb odo`dpeclg glilz behtv. mtal ulga odga odgaem emeg egcl clg g cloe cloe xdpnl xdpnlbe bepp hlpe hlpe cdht cdhtll kplg kplga a xtl xdpcl xdpclze zeb. b. ulga xlc vdpg vdpglb lb ndnlb ndnlb odgjtplbclg clzeb hlg zlulgagul' Vdgtnez odgulhlpe `lbql hlnlo vdgutztglg vlvdp ege mltb hlpe cdzdovtpgllg' Zdvdpxe clxl vdvlxlb „xlc lhl alhega ulga xlc pdxlc‟. tgxtc ext cpexec hlg zlplg ulga  `dpzeilx odo`lgatg zlgalx cloe blplvclg' Lcbepgu Lcbepgull vdgtne vdgtnezz `dpblp `dpblplv lv zdokal zdokal vlvdp vlvdp ulga ulga olzeb olzeb zlgalx zlgalx zdhdpb zdhdpblgl lgl ege  `dpolgillx `lae vdgtnez hlg Vdo`ljl vlvdp ege'

@lghtga. 06 Ode 0665 Vdgtnez

Xdlo 1 OE/<6 0661

HLIXLP EZE CLX CLXL VDGALGXLP VDGALGXLP '''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''' ''''''''' e HLIXLP HLIXLP EZE '''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''' ee @L@' E VDGHLBTNTLG ''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''' ''''''''''' <

<'< Nlxlp @dnlclga '''''''''''''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''' < <'0 Vdptotzlg hlg vdo`lxlzlg olzlnlb'''''''''''''''''''''''''''''''''''''''''' olzlnlb''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''' 0 <'0'< Vdptotzlg Olzlnlb'''''''''''''''''''''''''''''''''''''''' Olzlnlb''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''' '' 0 <'0'0 Vdo`lxlzlg Olzlnlb''''''''''''''''''''''''''''''''''''''''' Olzlnlb'''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''' 0 <': Xtmtlg''''''''''''''''''''' Xtmtlg'''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''''''''''''''''''' '''''' 0 <'8 Olgillx'''''''''''''''''''''''' Olgillx''''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''''''''' 0 @L@' EE NLGHLZLG XDKPE'''''''''''''''''''''''''''''''''''''''' XDKPE''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''' '''''' :

0'< Nlghlzlg Xdkpe ulga @dpclexlg Hdgalg Xkvec'''''''''''''''''' Xkvec'''''''''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''' : 0'0 Zto`dp Hlgl Cpdhex Lgaakxl''''''''''''''''''''''''''''''''''''''''''''''''''''' Lgaakxl'''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''' : 0': Mdgez/Mdgez Cpdhex vegmlolg'''''''''''''''''''''''''''''''''''''''' vegmlolg''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''''''''''''' '''''''''''''''''' '''''' 8 0'8 Vknl Cd`emlclg'''''''''''''''''''''''''''''''''''''''''' Cd`emlclg''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''' 8 @L@' EEE XEGMLTLG TOTO CKVDPLZE''''''''''''''''''''''''''''''''''''''''''''''''''' CKVDPLZE''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''' 9

:'< Mk` Hdzjpevxekg''''''''''''''''''''''''''''''''''''''' Hdzjpevxekg'''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''' '''''' 9 :'0 Glplze Zezxdo'''''''''''''''''''''''''''''''''''''''''' Zezxdo''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''''' 1 :': Zezxdo Vdgadghlnelg Egxdpgln'''''''''''''''''' Egxdp gln''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''''' ''''''''''''''' 1 :'8 Lnlx `lgxt ulga heatglclg hlnlo lglnezez zezxdo''''''''''''''''''''''''''''''''''''''''''''''' 2 @L@' EY PDGJLGL VDGADO@LGALG VDGADO@LGALG ZEZXDO EGIKPOLZE CKVDPLZE'''' 5

8'< Inkqolv''''''''''''''''''''''''''''''''''''''''''''''''''''''' Inkqolv'''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''' '''''''''''''' '' 5 8'<'< Inkqolv Zeovlglg Lgaakxl''''''''''''''''''''''''''''''''''''''' Lgaakxl'''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''' ''''''' 5 8'<'0 Inkqolv Vegmlolg Lgaakxl'''''''''''''''''''''' Lgaakxl'''''''''''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''' ''''''''''''' '''''''''''' ' <6 8'0 Jkgxdr Helaplo'''''''''''''''''''''''''''''''''''''''''''' Helaplo''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''''''' ' << 8'0'< Jkgxdr Helaplo Zeovlglg Ze ovlglg Lgaakxl'''''''''''''''''''' Lgaakxl''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''' '''''''''' << 8'0'0 Jkgxdr Helaplo Vegmlolg Lgaakxl''''''''''''''''''''''''''''''''''''''''''''''''''' Lgaakxl''''''''''''''''''''''''''''''''''''''''''''''''''' ''''' << 8': HIH''''''''''''''''''''''''''''''''''''''''''''''''''''' HIH''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''' ''''''''''''''' '''''''''''' ''' <0 Lgaakxl''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''' <0 8':'< HIH Zeovlglg Lgaakxl''''''''''''''''''''''''''''''''''''''''''' 8':'<'< HIH Zeovlglg Lgaakxl Ndydn 6''''''''''''''''''''''''''''''''''''''''' 6'''''''''''''''''''''''''''''''''''''''''''''' ''''' <0 8':'<'0 HIH Zeovlglg Lgaakxl Ndydn <''''''''''''''''''''''''''''''''''''''''' <'''''''''''''''''''''''''''''''''''''''''''''' ''''' <0 Lgaakxl'''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''' <8 8':'0 HIH Vegmlolg Lgaakxl'''''''''''''''''''''''''''''''''''''''''''''''''''' 8':'0'< HIH Vegmlolg Lgaakxl Ndydn 6'''''''''''''''''''''''''''''''''''''''''''''' <8

8':'0'0 HIH Vegmlolg Lgaakxl Ndydn <'''''''''''''''''''''''''''''''''''''''''''''' <8 @L@' Y PLGJLGALG CKGZDVXTLN ZEZXDO EGIKPOLZE CKVDPLZE''''' <9

4'< Clotz Hlxl''''''''''''''''''''''''''''''''''''''''''''' Hlxl'''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''' ''''''''''''' <9 4'0 Plgjlgalg Zxptcxtp Xl`dn hlg \tdpu''''''''''''''''''''''''''''''''''''' \tdpu''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''' ''' <1 4'0'< Tggkpoln'''''''''''''''''''''''''''''''''''' Tggkpoln''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''''' <1 4'0'0 Gkpolnezlze'''''''''''''''''' Gkpolnezlze''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''' <1 4'0'0'< @dgxtc Gkpoln cd/<''''''''''''''''''''''''''''''''''''''' cd/<'''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''' <1 4'0'0'0 @dgxtc Gkpoln cd/0''''''''''''''''''''''''''''''''''''''' cd/0'''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''' <2 4'0'0': @dgxtc Gkpoln cd/:''''''''''''''''''''''''''''''''''''''' cd/:'''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''' <2 4'0'0'8 @dgxtc Gkpoln @kujd Jkhh''''''''''''''''''''''''''''''''''''''''''''''''' Jkhh''''''''''''''''''''''''''''''''''''''''''''''''' <5 4': Pdnlze Xl`dn''''''''''''''''''''''''''''''''''''''''''''' l`dn'''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''' ''''''''''''' 06 4'8 DPH''''''''''''''''''''''''''''''''''''''''''''''''''''' DPH''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''' ''''''''''''''' '''''''''''' ''' 0< 4'4 Zxptcxtp Iend'''''''''''''''''''''''''''''''''''''''''''' Iend''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''''''''''''' ' 0< 4'9 Ckheieclze''''''''''''''''''''''''''''''''''''' Ckheieclze'''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''' 08 @L@' YE EOVNDODGXLZE HLXL @LZD VLHL OuZ\N''''''''''''''''''''''''''''''''''''''' 04 @L@' YEE VPKXKXUVD HDZEAG VPKAPLO HLXL HLXL @LZD CKVDPLZE'''''''''' CKVDPLZE''''''' ''' :0 @L@' YEEE VDGTXTV''''''''''''''''''''''''''''''''''' VDGTXTV'''''''''''''''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''''''''''''' '''''''''''''''''''''''''''''''''''''''' ''''''''''''''''' :: @L@' ER HLIXLP HLIXLP VTZXLCL VTZXLCL '''''''''''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''''''' :8

@L@ <' VDGHLBTNTLG

<'<' Nlxlp @dnlclga Tgxtc odgegaclxclg vdnlulglg olzulplclx he `ehlga cdtlgalg olcl. vdpnt   vdg vdgeg egac aclxl lxlg g vdnlu vdnlulgl lglg g ulga ulga odol odolhle hle'' Zlnl Zlnlb b zlxt zlxt jkgx jkgxkb kb ilzen ilzenexl exlzz vdnlu vdnlulg lglg lg olzulp olzulplcl lclxx ulga ulga zlgalx zlgalx hevdpnt hevdpntclg clg `lec `lec olzul olzulplcl plclxx vdpckxl vdpckxllg lg oltvtg oltvtg vdhdzl vdhdzllg lg lhlnl lhlnlb b zezx zezxdo do vdnlu vdnlulgl lglg g cdtl cdtlga galg lg'' Zezx Zezxdo do vdnlu vdnlulg lglg lg cdtl cdtlga galg lg ulga ulga lhl lhl vlhl vlhl   vdnlulglg vdnlulglg ckvdplze. ckvdplze. `lgulc `lgulc hemtovle hemtovle vdpolzlnlblg' vdpolzlnlblg' Vdpolzlblg Vdpolzlblg ulga blptz hejlpe  mlnlg cdntlp tgxtc odovdpkndb cdothlblg/cdothlblg hlnlo odo`dpeclg vdnlulglg cdtlgalg vlhl olzulplclx' Ilzenexlz vdnlulglg ulga lhl. odptvlclg zlnlb zlxt bln ulga vdgxega hlnlo ododgtbe vdpoegxllg vdnlulglg `lae cdtlgalg olzulplclx. ulga ododpntclg vdnlulglg cdtlgalg hlpe nlvezlg olgl zlml. hdgalg otxt vdnlulglg ulga  `lec' Zlnlb Zlnlb zlxt zlxt xtmtlg xtmtlg ckvdplz ckvdplzee lhlnlb lhlnlb odolmt odolmtclg clg cdzdmlb cdzdmlbxdpl xdpllg lg lgaakx lgaakxll vlhl vlhl cbtztzgul hlg olzulplclx totogul. zdpxl ectx odo`lgatg xlxlglg vdpdckgkoelg glze glzekg kgln ln hlnlo hlnlo plga plgacl cl odqt odqtmt mthc hclg lg olzu olzulpl lplcl clxx ulga ulga olmt olmt.. lhen lhen.. hlg hlg olco olcotp  tp   `dphlzlpclg vlgjlzenl hlg TTH <584' Hdgalg hexegaclxclggul vdnlulglg xdpblhlv lgaakxl. olcl heblplvclg hlvlx odgega odgegaclx clxclg clg vpkidz vpkidzekg ekglnex lnexlz lz eghdvd eghdvdghd ghdgz gzee zd`lal zd`lalee vdnlul vdnlulglg glg olzulp olzulplclx lclx hlnlo hlnlo  `ehlga cdtlgalg' Hdgalg zxtcxtp vdokhlnlg ulga nd`eb ckckb. vdgdplgalg vpthdgxeln hlg hlg vdga vdgadg dghl hlne nelg lg peze pezeck ck ulga ulga nd`e nd`eb b `lec `lec zdpx zdpxll htct htctga galg lg hlpe hlpe zdot zdotll vebl veblc. c. Cd`dpb Cd`dpblze lzenlg nlg/cd /cd`dp `dpblz blzenlg enlg ext xdgxtg xdgxtgul ul xehlc xehlc xdpndvl xdpndvlzz hlpe hlpe zezxdo zezxdo egikpo egikpolze lze ulga ulga  `dpzeilx pdndylg. lctplx. ndgaclv hlg xdvlx qlcxt' Zdnleg ext zdotl xdcgknkae ulga hexdplvclg mtal odovdgalptbe' Zdotl ext odgmlhe ilcxkp vdghtctga tgxtc odgjlvle nl`l. nl`l. clpdg clpdgll xtmt xtmtlg lg ckvd ckvdpl plze ze toto totogu gull lhlnl lhlnlb b odgj odgjlv lvle le nl`l nl`l ulga ulga olcz olczeol eoln. n. odovdpxlblgc odovdpxlblgclg lg cdnlgaztga cdnlgaztgalg lg behtv hlg odgadmlp odgadmlp vdpxto`tbl vdpxto`tblg g hlnlo tzlblgul' tzlblgul' Ckvdplz Ckvdplzee OE/<6 OE/<6 ‒61 zllx zllx ege hlnlo hlnlo vdgakn vdgaknlbl lblg g lhoege lhoegezxp zxplze lze olzeb olzeb olgtln olgtln.. ulcge ulcge hdgalg odgjlxlx he `tct lxlt ndo`lp hkctodg ckvdplze' Oezlngul hlxl lgaakxl. `dzlp    veg vegmlo mlolg lg.. lgaz lgaztp tplg lg ulga ulga he`lu he`lulp lp.. ulga ulga odgm odgmlh lhee vdpo vdpolz lzln lnlb lblg lg `lal `laleo eolg lgll jlpl jlpl odovdp`lece zezxdo ulga lhl. tgxtc odgulmeclg hlxl ulga lctplx hlg xdvlx qlcxt' Hdgalg Hdgalg odnebl odneblxx nlxlp nlxlp `dnlcl `dnlclga. ga. zdpxl zdpxl vdpolzl vdpolzlnlb nlblg lg ulga ulga lhl. lhl. olcl olcl cloe zdvlcl zdvlclxx odgalo`en mthtn „ZEZXDO EGIKPOLZE ZEOVLG VEGMLO CKVDPLZE OE/<6 ―61„'

<'0' Vdptotzlg hlg Vdo`lxlzlg Olzlnlb <'0'<'Vdptotzlg Olzlnlb @dphlzlpclg nlxlp `dnlclga ulga lhl olcl hlvlx heptotzclg

 vdpolzlnlblg zd`lale `dpectx = „ @laleo @laleolgl lgl jlpl odgulme odgulmeclg clg egikpo egikpolze lze zeovlg zeovlg vegmlo vegmlo ulga ulga jdvlx. jdvlx. lctplx. lctplx. hlg xdvlx xdvlx qlcxt qlcxt zdbega zdbegaal al hlvlx hlvlx odgega odgegaclxc clxclg lg lgacl lgacl zeovlg oltvtg vegmlo vlhl „Ckvdplze OE/<6 ‒61„' <'0'0'Vdo`lxlzlg Olzlnlb Odgaegalx cdolovtlg. ilzenexlz. hlg qlcxt ulga zlgalx xdp`lxlz hlpe vdgutztglg Olclnlb ege. olcl vdgtnez odo`lxlze olzlnlb blgul  vlhl hlxl ulga odnevtxe vpkzdz zeovlg hlg vpkzdz vegmlo' <':' Xtmtlg Lhlv Lhlvtg tg xtmt xtmtlg lg ulga ulga egae egaeg g hejl hejlvl vlee hlpe hlpe Olclnl Olclnlb b ege ege lhlnl lhlnlb b odgu odgulme lmecl clg g egikpolze egikpolze zeovlg zeovlg vegmlo tgxtc odo`dpeclg lnxdpglxei vdodjlblg olzlnlb zeovlg  vegmlo ulga lhl vlhl Ckvdplze OE/<6 ‒61. ulga zdclplga olzeb odgaatglclg zuzxdo olgtln. ulga cdothelg odo`dpeclg cdothlblg `lae lgaakxl oltvtg olzulplclx hlnlo vdgalczdzlggul' <'8' Olgillx @lae vdgtnez †

Zd`lale vdgalnlolg hlnlo vdo`tlxlg zcpevze

†

Zd`lale nlgaclb lqln hlnlo odovdnlmlpe zd`dplvl ptoex vpkzdz vdgulmelg hlxl  vlhl vdptzlbllg

@lae Ckvdplze OE/<6 ‒61 †

Odptvlclg olztclg hlg zto`lgalg vdoeceplg hlnlo odgulmeclg egikpolze ulga nd`eb `lec. jdvlx hlg lctplx'

@L@ EE' NLGHLZLG XDKPE

0'<' Nlghlzlg Xdkpe ulga @dpclexlg Hdgalg Xkvec 

Vdgadpxelg Ckvdplze = Odgtpt Odgtptxx TT Gk' 04+<55 04+<550 0 Ckvdplz Ckvdplzee odovtg odovtgule ule vdgadp vdgadpxelg xelg cbtzt cbtztzz ulext= ulext= „Ckvdplze lhlnlb @lhlg Tzlbl ulga `dplgaakxlclg kplga/kplga lxlt @lhlg Btcto ckvdplze ckvdplze hdgalg hdgalg odnlghlzclg odnlghlzclg cdaelxlggul cdaelxlggul `dphlzlpclg `dphlzlpclg vpegzev vpegzev ckvdplze ckvdplze zdclneatz zdclneatz zd`lale adplclg dckgkoe plculx ulga `dphlzlpclg lxlz lzlz cdcdntlpallg „' "Zkggu Ztolpzkgk. 066:'b'<%' Xtmtlg Ckvdplze = Odgtptx TT'gk 04 xlbtg <550 vlzln : ckvdplze `dpxtmtlg odolmtclg cdzdmlbxdpllg lgaakxl vlhl cbtztzgul hlg olzulplclx totogul. zdpxl ectx ectx odo`l odo`lga gatg tg xlxlg xlxlglg lg vdpdc vdpdckg kgko koel elg g glze glzekg kgln ln hlnlo hlnlo plga plgacl cl odqt odqtmt mthc hclg lg olzulp olzulplcl lclxx ulga ulga olmt. olmt. lhen. lhen. hlg olcotp olcotp `dphlz `dphlzlpcl lpclg g Vlgjlz Vlgjlzenl enl hlg TTH <584' <584' Nlgh Nlghlz lzlg lg Ckvd Ckvdpl plze ze = Hlnl Hlnlo o TTH TTH <584 <584.. vlzl vlzlnn :: lulx lulx < ulga lga odgm odgmlh lhee hlzl hlzlp  p    vdpdckgkoe vdpdckgkoelg lg Eghkgdzel Eghkgdzel hezd`txclg hezd`txclg „Vdpdckgkoe „Vdpdckgkoelg lg heztztg heztztg zd`lale zd`lale tzlbl `dpzlol `dpzlol  `dphlzlp lxlz lzlz cdcdntlpallg„' 0'0' Zto`dp Hlgl Cpdhex Lgaakxl Zto`dp Hlgl Cpdhex Lgaakxl Zeovlg Vegmlo OE/<6 ―61 `dplzln hlpe = <' Zeovl Zeovlgl glg g Vkck Vkckc c Lga Lgaak akxl xl Ulext mtonlb zeovlglg ze ovlglg ulga blptz he`lulp lgaakxl zdxelv `tnlggul' Aknk Aknkga galg lg EY EY Pv' Pv' :4'6 :4'666 66 Aknk Aknkga galg lg EEE EEE Pv' Pv' 06'6 06'666 66 Aknkgalg EE EE Aknkgalg E

Pv' <4 <4'666 Pv' <6'666

0' Zeovl Zeovlgl glg g Qlme Qlme` ` Lgaa Lgaakx kxll Ulext zeovlglg ulga blptz he`lulp lgaakxl zdxelv `tnlggul xdphlixlp  odgmlhe lgaakxl ckvdplze ulga `dzlpgul tgxtc zdotl aknkgalg lhlnlb Pv' 4666' :' Zeovl Zeovlgl glg g Ztclpd Ztclpdnl nl Lga Lgaak akxl xl Ulext zeovlg zeovlglg lg ulga ulga odgmlh odgmlhee cdblpt cdblptzlg zlg.. xdxlve xdxlve hexdpeo hexdpeoll kndb kndb veblc  veblc  ckvdplz ckvdplzee hlpe hlpe lgaakx lgaakxll lxlz hlzlp hlzlp cdblgh cdblghlc lc lgaakx lgaakxll ext zdghep zdghepee hdgalg hdgalg   `dzlpgul mtonlb hlg qlcxt vdo`lulplg zeovlglg xehlc hexdgxtclg kndb  veblc  veblc ckvdplz ckvdplze' e' Zeovlg Zeovlglg lg ztclp ztclpdnl dnl vlhl vlhl ckvdplz ckvdplzee `dplzl `dplzlnn hlpe hlpe zezl zezl blzen blzen tzlbl lgaakxl ulga xehlc helo`en. kndb lgaakxlgul heolztclg cd zeovlglg ztclpdnl' 0':' Mdgez/mdgez Cpdhex Vegmlolg Mdgez/mdgez cpdhex lxlt vegmlolg vlhl Ckvdplze Zeovlg Vegmlo OE/<6 ―61 ulga

he`dpeclg vlhl lgaakxl ckvdplze lhlnlb = <' Cpdhex Cpdhex Zeov Zeovlg lg Vegml Vegmlo o Ckvdplz Ckvdplzee OE/<6 OE/<6 ―61 ―61 Lhlnlb vegmlolg ulga he`dpeclg cdvlhl lgaakxlgul hdgalg `tgal <$ / 0$ vdp   `tnlg hdgalg cdxdgxtlg vegmlolg inlx. tgxtc zdotl aknkgalg olczeolngul zd`dzlp  Pv' 9'666'666' vdgado`lnelggul olczeoln 06 `tnlg "06r Lgaztplg%' Lgaztplg%'

 Mtonlb Lgaztplg ) @tgalgul Lgaztplg @tgal <6 clne "@tnlg% <$ <4 clne "@tnlg% <.4$ 06 clne "@tnlg% 0$ Mlhe. olceg `lgulc mtonlb lgaztplg olceg xegaae x egaae `tgalgul' Jkgxkb = Zdkplga lgaakxl odoegmlo tlga vlhl ckvdplze zd`dzlp Pv' :'666'666 hdga hdgalg lg lgaz lgaztp tplg lg zdnlo zdnloll <4 `tnl `tnlg g "<4r "<4r lgaz lgaztp tplg lg%% hlg hlg lgaa lgaakx kxll xdpz xdpzd` d`tx tx odovtg odovtgule ule alme alme zd`dzl zd`dzlpp Pv' 966'66 966'666' 6' `tgal `tgal vdoegm vdoegmlolg lolg lgaakx lgaakxll xdpzd`t xdpzd`txx zd`dzlp <.4 $' Vdpbextgalggul =

0' Vegmlolg @lplga + Vegmlolg Ckgztoxei' Lhlnlb vegmlolg ulga he`dpeclg cdvlhl lgaakxl `dptvl vdgacpdhexlg `lplga hdgalg hdgalg `tgal `tgal 06$ inlx' inlx' @lxlzlg @lxlzlg blpal blpal `lplga `lplga zd`dzl zd`dzlpp Pv' 0'466' 0'466'666 666.. hdgalg hdgalg  `lxlzlg qlcxt vdgado`lnelg <6 `tnlg' @lplga ulga hecpdhexclg xy. plhek. odzeg jtje. ctnclz. hlg `lplga dndcxpkgec nleggul' 0'8' Vknl Cd`emlclg' l% Zeovlglg Ztclpdnl Cd`e Cd `eml mlcl clg g Zeov Zeovlg lglg lg Zt Ztcl clpd pdnl nl lhln lhlnlb lb `lbq `lbql l tlga tlga zeov zeovlg lglg lg ztclp ztclpdnl dnl ulga ulga xdnlb xdnlb odgadg odgadghlv hlv zdnlo zdnlol l < `tnlg `tnlg hlvlx hlvlx helo`e helo`enn kndb kndb lgaakxl. zdnd`ebgul hezdplbclg cdvlhl cd`d`lzlg lgaakxl'

 `%  `% Vdgl Vdglpec peclg lg Zeov Zeovlg lglg lg Vlhl Vlhl vpegze vpegzevgu vgul. l. lgaakx lgaakxll xehlc xehlc hevdp` hevdp`kndb kndbclg clg odgalo odgalo`en `en zeovlg zeovlglg lg qlme qlme` ` hlg hlg vkck vkckc. c. cdjt cdjtlne lne lgaa lgaakx kxll xdpzd xdpzd`t `txx `dpb `dpbdg dgxe xe odgml odgmlhe he lgaa lgaakx kxll ckvdplze lxlt otxlze cdpml cd clgxkp jl`lga nleggul'

@L@ EEE' XEGMLTLG TOTO CKVDPLZE

:'<' Mk` Hdzjpevxekg †

Plvlx Lgaakxl

Odptvlclg Odptvlclg cdctlzllg cdctlzllg xdpxegaae xdpxegaae hlnlo ckvdplze' ckvdplze' Plvlx ege hezdndgaalp hezdndgaalplclg lclg

zdctplga/ctplgagul zdclne hlnlo zlxt xlbtg' Hlnlo plvlx lgaakxl zdxelv lgaakxl odovtgule zlxt ztlpl ulga xehlc hlvlx heqlcenclg vlhl kplga nleg lvl`enl lgaakxl ulga `dpzlgactxlg xehlc blhep' Cdvtxtzlg plvlx lgaakxl zdhlvlx otgaceg helo`en   `dph `dphlz lzlpc lpclg lg beco becolb lb cd`e cd`eml mlcz czlg lgllg llg hlnl hlnlo o vdpot vdpotzu zulq lqlpl lplxl xlg' g' Lvl` Lvl`en enll xehlc  xehlc  odgjlvle clxl otilclx. olcl cdvtxtzlg helo`en `dphlzlpclg ztlpl xdp`lgulc hlpe lgaakxl ulga blhep' blhep' †

Cdxtl 

Odgackkpheglze vdgutztglg pdgjlgl cdpml hlg lgaalplg olzega/olzega tgex hlnlo plgacl vdgutztglg pdgjlgl cdpml xdpzd`tx cdvlhl vdgatptz



Odgadzlbclg vdgdpeollg hlg vdgadntlplg clz zlovle `lxlz qdqdglga ulga hehdndalzeclg odnlnte cdvtxtzlg plvlx vdgatptz `dpzlol cdxtl



Odoegxl hlxl. egikpolze hlg nlvkplg ulga hevdpntclg hlpe clpulqlg ulga  `dplhl he`lqlb ckkpheglzegul zd`lale `lblg dylntlze hlg vdgutztglg nlvkplg  vdpxlgaatga mlql`lg cdvlhl vdgatptz'

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@dghlblpl 

Odgueovlg pdgjlgl cdpml hlg vknl vdnlczlgllg he`ehlga xtalz cd`dghlpllg



Odgjlpe hlgl hlg odgalxtp lptz tlga cdntlp olztc 



Odo`l Odo`lgx gxt t hlg hlg odga odgalq lqlz lzee vdcd vdcdpml pmllg lg cdxt cdxtll hlnlo hlnlo bln bln vdgu vdgudnd dndga gaal alpl pllg lg lhoegezxplze cdtlgalg ckvdplze

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@laelg Cpdhex 

Odgue Odguelv lvcl clg g `tcx `tcxee ulga ulga ndgac ndgaclv lv zdbt zdbt`t `tga galg lg hdga hdgalg lg vdgd vdgdpeo peollg llg hlg hlg  vdgadntlplg clz zdztle hdgalg cdxdgxtlg ulga hexdxlvclg



Odgdpeol. odguelvclg tlga odnlctclg lhoegezxplze clz

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@dxlgaatga mlql` lxlz cdxdxlvlg mtonlb vdgdpeollg hlg vdgadntlplg clz

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Odo`dpeclg nlvkplg zlnhk clz cdvlhl cdxtl odgtptx cdxdgxtlg lxlt xdpxe` qlcxt ulga hexdxlvclg

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@laelg Zeovlglg 

Odnlulge xplgzlcze zeovlglg lgaakxl



Odnl`tn hlxl zeovlglg hlpe lgaakxl

Clzep 

Odnlulge cdaelxlg xplgzlcze ckvdplze



Odo`tlx nlvkplg ulga lclg hezdplbclg cdvlhl `la' Zeovlglg hlg Cpdhex'

:'0' Glplze Zezxdo Vpkzdhtp Zeovlglg Lgaakxl

<' Lgaakxl Lgaakxl odgaeze odgaeze znev znev zdxkplg zdxkplg zeovlglg zeovlglg hlg hlg odgudplbclg odgudplbclg CX CXL' 0' Cdot Cdothe helg lg znev znev zdxk zdxkpl plg g zeovl zeovlgl glg g ulga ulga xdnlb xdnlb heez heezee `dzd `dzdpxl pxl tlga ulga ulga lclg lclg hezeovlg hezdplbclg cdvlhl `laelg zeovlglg' :' @laelg @laelg zeovlgl zeovlglg g odgjlxl odgjlxlxx hlnlo hlnlo `tct `tct zeovlg zeovlglg. lg. hlg odglghlx odglghlxlga lgalge lge znev zdxkplg zeovlglg ulga xdnlb heeze' 8' Kndb Kndb `dgh `dghlb lblp lpll cdot cdothe helg lg he`t he`tlx lx nlvk nlvkpl plg g zeov zeovlg lglg lg lgaa lgaakx kxll hlg hlg nlvk nlvkpl plg g cdtlgalg tgxtc cdothelg hezdplbclg cd cdxtl' Vpkzdhtp Vegmlolg Lgaakxl

<' Zdxdn Zdxdnlb lb lgaa lgaakx kxll odgu odgudpl dplbc bclg lg CXL CXL "Clpx "Clpxt t Xlghl lghl Lgaak Lgaakxl% xl% cd clze clzepp ulga ulga glgxegul lclg hezdplbclg cd `laelg cpdhex zdnlgmtxgul odgaeze znev vdpokbkglg cpdhex cpdhex plgacl plgaclv v 0. zdxdnlb zdxdnlb he eze hdgalg hdgalg hezdpxl hezdpxlclg clg CXL CXL hezdplb hezdplbclg clg cdvlhl cdvlhl  `laelg cpdhex' 0' Cdothe Cdothelg lg `dghlbl `dghlblpl pl ododpecz ododpeczll clz. mecl vdpzdhe vdpzdhellg llg clz olzeb olzeb lhl hlg alme  vdoegmlo olzeb odgjtctve tgxtc `elul lgaztplg. olcl vdpokbkglg vegmlolg he zdxtmte hdgalg odglghlxlgalge `nlgack vdpokbkglg cpdhex ulga x dnlb heeze' :' Hlg cdothelg cdothelg heblzenc heblzenclg lg `tcxe `tcxe clz cdntlp. cdntlp. heolgl heolgl zdnlgmtx zdnlgmtxgul gul `tcxe `tcxe clz cdntlp  cdntlp    `dzdp `dzdpxl xl tlga tlga hezdplb hezdplbclg clg cd lgaakx lgaakxl' l' Hlg heatgl heatglclg clg kndb kndb `dghlb `dghlblpl lpl tgxtc  tgxtc  odo`tlx nlvkplg vegmlolg hlg nlvkplg cdtlgalg zdnlgmtxgul hezdplbclg cd cdxtl' Vpkzdhtp Vdo`lulplg Vegmlolg'

Vdoegmlo Vdoegmlo qlme` odo`lulp vegmlolg vegmlolg `dzdpxl `dzdpxl `tgalgul `tgalgul cdvlhl ckvdplze ckvdplze zdxelv `tnlggul' Vpkzdz vdo`lulplg lhlnlb hdgalg jlpl odokxkga alme vdoegmlo zdjlpl nlgaztga. olcl xehlc lhl ezxenlb xdpnlo`lx odo`lulp vegmlolg' @tcxe `lbql   vdo vdoeg egmlo mlo xdnlb xdnlb odo` odo`lu lulp lp vegm vegmlog loglg lggu gull lhlnl lhlnlb b xdphl xdphlvl vlxx hlnlo hlnlo zxpt zxptc c alme alme  vdoegmlo' :':' Zezxdo Vdgadghlnelg Egxdpgln Olzlnlb/olzlnlb ulga heblhlve lhlnlb zd`lale `dpectx= Zezxdo Zezxdo vdgalp vdgalpzev zevlg lg ulga ulga ctplga ctplga `lec. `lec. Jkgxkb Jkgxkb== Vdgueo Vdgueovlg vlglg lg hlxl hlxl zeovlg zeovlg   vegmlo lgaakxl olzeb hejlxlx hlnlo zd`tlb clpxt. cdothelg lvl`enl clpxt xdpzd`tx ptzlc "xdpcdgl lep. zk`dc% olcl xtnezlg xdgxlga hlxl zeovlg vegmlo xdpzd`tx lclg ntgxtp  lxlt ndo`lplg zd`laelg benlga clpdgl xdpzk`dc' Cdctplgalg didzedgze qlcxt hlg xdglal'

Zlgalx ptoexgul vdo`tlxlg nlvkplg egikpolze ulga hevdpntclg clpdgl blptz odpdclv tnlga hlxl ulga lhl hlnlo zd`tlb `tct cbtztz vdo`tctlg zdbegaal= †

Qlcxt vdgueovlglg egikpolze + nlvkplg cdvlhl veoveglg ulga pdnlxei nlo`lx  `enl zdqlcxt qlcxt hevdpntclg'

†

Olzlnlb cdctplga xdnexelg hlg cd`dglplg egikpolze + nlvkplg ulga heblzenclg' Hlpe Hlpe ehdgxe ehdgxeiec ieclze lze zto`dp zto`dp olzlnlb olzlnlb he lxlz. lxlz. olcl olcl vdpolz vdpolzlnlb lnlblg lg txlol txlol ulga ulga

heblhl heblhlve ve hlvlx hlvlx he ehdgxe ehdgxeiec ieclze lze zto`dp zto`dp olzlnlb olzlnlb/olz /olzlnlb lnlb xdpzd`t xdpzd`tx' x' Olzlnlb Olzlnlb xdpzd` xdpzd`tx tx   `dpzto`dp hlpe clpulqlg hlg `laelg lhoegezxplze ulga olzeb odgaatglclg zezxdo olgtln' Hezlovega Hezlovega odgeo`tnclg odgeo`tnclg cdmdgtblg. cdmdgtblg. ilcxkp vdgud`l` vdgud`l` cdzlnlblg cdzlnlblg nd`eb `dzlp  clpdg clpdgll hlxl hlxl blpt blptzz hejl hejlxlx xlx hlg hlg hevp hevpkz kzdz dz `dpt `dptnlg nlga/ a/tn tnlg lga a zdxel zdxelv v lhl lhl vpkz vpkzdz dz lxlt lxlt odo`dpeclg vdutztglg nlvkplg `lec zdjlpl blpelg oltvtg `tnlglg' Hdgalg lhlgul  vpkzdz `dptnlga clne olcl ilcxkp il cxkp vdgud`l` cdzlnlblg ulga xeo`tn odgmlhe `dzl p' @dph @dphlz lzlpc lpclg lg ehdg ehdgxei xeiec eclz lzee olzl olzlnlb nlb zdpx zdpxll Zto` Zto`dp dp olzl olzlnlb nlb xdpzd xdpzd`t `txx hlvl hlvlxx henlctclg vdgadghlnelg egxdpgln. lgxlpl nleg= †

Heplgjlga ztlxt zezxdo `lpt hdgalg odovdp`lptbe lxlt odovdp`lece zezxdo hlxl `lzd ulga nlol'

†

Nd`eb odgadiezedgzeclg xdglal hlg qlcxt'

†

Vdo`tlxlg nlvkplg zdotl glzl`lb

†

Vdo`tlxlg nlvkplg zdotl hlxl zeovlglg glzl`lb

†

Vdo`tlxlg nlvkplg hlxl zeovlglg glzl`lb hlnlo `tnlg xdpxdgxt

†

Vdo`tlxlg nlvkplg hlxl glzl`lb ulga odoegmlo

†

Vdo`tlxlg nlvkplg hlxl glzl`lb ulga xehlc odoegmlo

†

Vdo`tlxlg nlvkplg hlxl glzl`lb ulga xdnlb odo`lulp vlhl `tnlg xdpxdgxt

:'8' Lnlx `lgxt ulga heatglclg hlnlo lglnezez zezxdo

Lnlx Lnlx `lgxt `lgxt hlnlo hlnlo lglnez lglnezez ez ulga ulga hevlcl hevlclee Inkqol Inkqolv. v. Helapl Helaplo o Ckgxdc Ckgxdcz. z. HIH. HIH. Clotz Hlxl. Gkpolnezlze. Pdnlze Xl`dn. DPH. Zxptcxtp Iend. hlg Ckheieclze'

@L@ EY' PDGJLGL VDGADO@LGALG ZEZXDO EGIKPOLZE CKVDPLZE

8'<' Inkqolv

8'<'<' 8'<'<' Inkqol Inkqolv v Zeov Zeovlgl lglg g Lgaakx Lgaakxll

Lptz hlxl Vlhl Vpkzdhtp Zeovlglg Lgaakxl'

8'<'0' 8'<'0' Inkqol Inkqolv v Vegm Vegmlolg lolg Lgaakx Lgaakxll

Lptz Hlxl Vlhl Vpkzdhtp Vdoegmlolg Lgaakxl'

8'0' Jkgxdrx Helaplo

8'0'<' 8'0'<' Jkgxdr Jkgxdrxx Helaplo Helaplo Zeovlgl Zeovlglg g Lgaak Lgaakxl xl

8'0'0' 8'0'0' Jkgxdr Jkgxdrxx Helaplo Helaplo Vegmlo Vegmlolg lg Lgaakx Lgaakxll

8':'HIH

8':' 8':'<' <' HIH HIH Zeovlg Zeovlglg lg Lga Lgaak akxl xl 8':'<'<'HIH Zeovlglg Lgaakxl Lgaakxl Ndydn 6

8':'<'0'HIH Zeovlglg Lgaakxl Lgaakxl Ndydn <

8':' 8':'0' 0' HIH HIH Vegmlo Vegmlolg lg Lga Lgaak akxl xl 8':'0'<'HIH Vegmlolg Lgaakxl Lgaakxl Ndydn 6

8':'0'0'HIH Vegmlolg Lgaakxl Lgaakxl Ndydn <

@L@ Y' PLGJLGALG CKGZDVXTLN ZEZXDO EGIKPOLZE CKVDPLZE

4'<' Clotz Hlxl

Gk' Glol Iednh < Lnox[Ngaclv 0 Lgaztplg[Cd : @tgal[Vgmo 8 @up[@tgal 4 @up[Vkckc 9 Bv 1 EH[Glz 2 Mloeglg 5 Monb[@up <6 Monb[Vgmo << Monb[Zeov <0 Mgz[Mloeglg <: Mgz[Cdn <8 Cdx[Vgmo <4 Cdx[Zeov <9 Ckxl <1 Cpx[Eh <2 Cpx[Cdn <5 Nlv[Cdtlgalg 06 Genle[Mloeglg 0< Go[Ezxpe 00 Go[Glz 0: Go[Vpzlbl lbllg[ lg[Ezxp  08 04 09 01 02 05 :6 :< :0 :: :8 :4 :9 :1 :2 :5 86

e Gk[Eh Gk[Xplgz[Vgmo Gk[Xplgz[Zeov Vdgheheclg Vcpmllg[Ezxpe Zezl[`up[Vgmo Znev[Alme Zpxe Zpxeie iecx cx[ [Mloe Mloeg glg Zxlxtz[Vpcqglg Xdnv[Cgxp Xdnv[Pob Xan[`up Xan[Nbp Xan[ Xan[X Xplg plgz[ Zeo Zeov v Xan[Xplgz[Vgmo Xovx[Nbp Xkx[Lgaztplg

Cdxdplgalg Lnlolx ndgaclv glzl`lb Lgaztplg vd vdo`lulplg Cd Cd/`dplvl Ztct `tgal vegmlolg @tgal lgaztplg cpdhex Vkckc lgaztplg cpdhex Gkokp blghvbkgd glzl`lb Ckhd glzl`lb Mloeglg tgxtc vegmlolg Mtonlb lgaztplg ulga he`lulp   Mtonlb cpdhex ulga hevegmloclg Mtonlb gkoegln xplgzlcze ze zeovlglg Mdgez cdvdoeneclg Mloeglg Mdgez cdnloeg glzl`lb Cdxdplgalg xplgzlcze vegmlolg Cdxdplgalg xplgzlcze zeovlglg Ckxl glzl`lb Mdgez clpxt ehdgxexlz glzl`lb Cdndgaclvlg hkctodg clpxt cdntlpal Cdndgaclvlg hkctodg nlvkplg cdtlgalg Genle Vdpcepllg Mloeglg Glol ezxpe glzl`lb "`enl lhl% Glol glzl`lb  Glol vdptzlbllg ezxpe glzl`lb "`enl lhl% Gk ehdgxexlz vlhl clpxt EH Gk ve vegmlolg Gk xplgzlcze clz Vdgheheclg xdplcbep glzl`lb Vdcdpmllg ezxpe glzl`lb "`enl lhl% Zezl lgaztplg ulga `dnto Ntglz Cdndgaclvlg hkctodg znev alme Cdnd Cdndg gaclv clvlg hkcto kctodg dg zdpx zdpxei eiec eclx lx mlo mloeglg eglg Zxlxtz vd vdpclqeglg gl glzl`lb Gkokp xdndvkg clgxkp glzl`lb Gkokp xdndvkg ptolb glzl`lb Xlgaaln vdo`lulplg Xlgaaln nlbep glzl`lb Xlgaa lgaaln ln xdpm xdpmlh lheg egu ul xpl xplg gzlcz zlczee zeo zeov vlglg lglg Xlgaaln ve v egmlolg Xdovlx nlbep glzl`lb Mlgacl ql qlcxt + mtonlb lg lgaztplg ve vegmlolg cp cpdhex

8< 80 8:

Xkx[Clz Xkx[Cpdhex Xkx[Zeov

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