PENGARUH ANALISA KINERJA KEUANGAN PERUSAHAAN UNTUK KEPUTUSAN PEMBERIAN KREDIT ( STUDI KASUS PEMBERIAN KREDIT DI PT. BANK MANDIRI, TBK. )

7/31/2019 PENGARUH ANALISA KINERJA KEUANGAN PERUSAHAAN UNTUK KEPUTUSAN PEMBERIAN KREDIT ( STUDI KASUS PE

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Nrims Sglgtkmfi 0 Zemfiruh Imilgsi Agmerì Aeuimfim Zerusihiim Umtua Aezutusim Zeboergim Aredgt (Studg AisusZeboergim Aredgt Dg ZT- Oima Bimdgrg, TOA-', ?::7-

NIAULTIS EAKMKBG

UMGÊ_SGTIS SUBITE_I UTI_I

BEDIM

SA_GZSG

ZEMFI_UH IMILGSI AGME_@I AEUIMFIM ZE_USIHIIM UMTUA

AEZUTUSIM ZEBOE_GIM A_EDGT ( STUDG AISUS ZEBOE_GIM A_EDGT

DG ZT- OIMA BIMDG_G, TOA- '

KLEH 0

MIBI 0 N_IMS SGLGTKMFIMGB 0 :4:5:3:?:

DEZI_TEBEM 0 IAUMTIMSG

Fumi Bebemuhg Silih Situ Swirit Umtua

Bebzerkleh Felir Sirìmi Eakmkbg

BEDIM

?::7


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ZE_MWITIIM

Demfim gmg siwi bemwitiaim oihvi sargzsg wimf oerùdul 0

Zemfiruh Imilgsi Agmerì Aeuimfim Zerusihiim Umtua Aezutusim Zeboergim

Aredgt (Studg Aisus Zeboergim Aredgt dg ZT- Oima Bimdgrg, Toa'-

idilih oemir hisgl airwi siwi semdgrg dim ùdul dgbiasud oelub zermih dgbuit,

dgzuolgaisgaim itiu dgtelgtg kleh bihisgsvi ligm dilib akmteas zemulgsim sargzsg le~el

zrkfrib S"9 Dezirtebem Iaumtimsg Niaultis Eakmkbg Umg~ersgtis Subiteri Utiri-

Sebui suboer diti dim gmnkrbisg wimf dgzerkleh, telih dgmwitiaim demfim èlis, oemir

izi idimwi- Dim iziogli dg aebudgim hirg zermwitiim gmg tgdia oemir, siwi oersedgi

bemergbi simasg wimf dgtetizaim kleh Umg~ersgtis-

Bedim, 4 Ifustus ?::7Wimf bebouit zermwitiim

Nrims SglgtkmfiMGB :4:5:3:?:


3/88


AITI ZEMFIMTI_

Sefili zu`g himwi oifgBu Wesus Argstus itis sefili oerait wimf luir ogisi wimf

telih Emfaiu oergaim aezidiau dilib bemwelesigaim sargzsg gmg- AisghBu sumffuh luir

ogisi dilib setgiz limfaih aehgduzimau- Timzi cibzur timfimBu tia bumfagm iau

dizit belilug sefili rgmtimfim dim hiboitim dilib aehgduzim gmg-

Sargzsg gmg oerùdul Zemfiruh Imilgsi Agmerì Aeuimfim Zerusihiim umtua

Aezutusim Zeboergim Aredgt ( Studg Aisus Zeboergim Aredgt dg ZT- Oima Bimdgrg,Toa-'

dgsusum dilib rimfai bebemuhg silih situ swirit umtua bebzerkleh felir Sirìmi

Eakmkbg zidi Niaultis Eakmkbg Dezirtebem Iaumtimsg Umg~ersgtis Subiteri Utiri-

Oeroeail bisilih wimf sederhimi dim zemfetihuim wimf teroitis, zemulgs bemwidirg

oihvi sargzsg gmg oelub sebzurmi- Umtua gtu zemulgs bemergbi sirim dim argtga wimf

beboimfum dirg oeroifig zghia debg zemwebzurmiim sargzsg gmg-

Zemulgs telih bemdizit oimtuim dim ogbogmfim oiga oeruzi bkrgl biuzum bitergl

dirg oeroifig zghia dilib zemwelesigim sargzsg gmg- Biai zidi aesebzitim gmg, zemulgs

bemwibzigaim risi tergbi aisgh dim zemfhirfiim wimf seoesir"oesirmwi aezidi sebui

zghia wimf telih beboimtu zemulgs, terutibi aezidi 0

9- Oizia Drs- @hkm Tinou _gtkmfi, B-Ec seliau Deaim Niaultis Eakmkbg Umg~ersgtis

Subiteri Utiri-

?- Oizia Drs- Hisim Siatg, B-Sg, Ia seliau Aetui Dezirtebem Iaumtimsg dim Gou

Butgi Gsbigl, SE, BB, Ia seliau Searetirgs Dezirtebem Iaumtimsg Niaultis

Eakmkbg Umg~ersgtis Subiteri Utiri-


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3- Oizia Drs Pigmil IT Sglimfgt, SE, Ia- seliau zebogbogmf wimf telih oimwia

beboimtu dim beboergaim zemfirihim aezidi zemulgs dilib zrkses zemwusumim dim

zemwelesigim sargzsg gmg-

4- Oizia Drs- Swihelbg SE, BSg, Ia dim Gou Butgi Gsbigl,SE, BB, Ia- seliau zemfu`g

G dim zemfu`g GG wimf telih beboimtu zemulgs belilug sirim dim argtga wimf dgoergaim

debg aesebzurmiim sargzsg gmg-

5- Gou Dri- Silogih, BSg, Ia seliau dksem vilg wimf telih beboimtu zemulgs dilib

akmsultisg iaidebga selibi zeraulgihim-

>- Oizia dim Gou Dksem Niaultis Eakmkbg Umg~ersgtis Subiteri Utiri wimf telih

bemdgdga zemulgs-

6- Ziri zefivig Dezirtebem Iaumtimsg, Oimf Higrgl, Aia Dibe dim Oimf Kwkmf wimf

telih oimwia beboimtu zemulgs dilib idbgmgstrisg dg Dezirtebem Iaumtimsg, serti

ziri zefivig ZZIA, Oimf Airtum dim Aia ^gdi-

8- Aedui krimftui zemulgs, Drs- _- Sglgtkmfi SE, BB dim _- Tibzuoklkm, SZd wimf

telih beboergaim aisgh siwimfmwi wimf tia teroitis, serti bemdgdga, bebogbogmf,

beboergaim dkrkmfim sebimfit, dim dki aezidi zemulgs-

7- Idgaau, Likri Sglgtkmfi, Bkmgai Sglgtkmfi, @uvgti Sglgtkmfi itis setgiz duaumfim dim

dkrkmfim sebimfit, misghit, sirim, argtga, cimdi serti aisgh siwimf wimf telih

dgoergaim aezidi zemulgs-

9:-Sebui tebim dim sihioitau dg searet GBIS Idrgwimtk, Imdreis, Edu, Birgk, @imsem,

Emdrw Leefuer, Deddw, Lkdevga, Edhg, Pulngrbim, Bimfgmdimf, Demg, _gck, Tubzil,

Hidg Vgokvk, @enrw, _emkld wimf telih beboergaim dkrkmfim sebimfit dim oimtuim


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aezidi zemulgs dilib zemwelesigim sargzsg gmg, serti tergbi aisgh itis aeoersibiim

wimf telih agti ìlimg oersibi-

99-Vimgti oermibi Mkri S wimf telih beboergaim bktg~isg dim duaumfim sebimfit

aezidi zemulgs serti semimtgisi bemfgmfitaim aezidi zemulgs umtua tgdia ìuh dirg

Tuhim dim selilu bemfimdilaim aeauitim"Mwi dilib aeidiim izizum- Tergbi aisgh

ouit aeoersibiim wimf telih agti ìlimgm oiga dilib suai biuzum sedgh dim temifi

wimf idea oergaim ouit ioimf-

9?-Sebui tebim"tebim dim sihioit dilib zeliwimim dg Mizkskoulumf dg HAOZ

Zimflgbi Demig wimf turut bemduaumf zemulgs dilib suai biuzum duai terleogh

dilib dki-- Idizum hirizim zemulgs sebkfi zersihioitim agti tgdia oeriahgr, tetizg

agti dizit tetiz bemfgmfit situ sibi ligm sibzig aizimzum- Tergbi aisgh, sebuimwi

idilih zeboerg sebimfit dim beboimtu zemulgs dsilib zemwelesigim sargzsg gmg-

Iahgr aiti, zemulgs oerhiriz sebkfi sargzsg gmg oerbimniit oifg sebui zghia-

Sebkfi Tuhim semimtgisi belgbzihaim oerait dim airumgiMwi- Ibgm-

Bedim, 4 Ifustus ?::7Zemulgs,

Nrims SglgtkmfiMGB :4:5:3:?:


6/88


DINTI_ GSG

ZE_MWITIIM---- g

AITI ZEMFIMTI_-- gg

IOST_IA- ~

IOST_ICT----------------------------------------------------------------------------------------------------------- ~g

DINTI_ GSG--------------------------------------------------------------------------------------------------------- ~gg

DINTI_ TIOEL------------------------------------------------------------------------------------------------- x

DINTI_ FIBOI_-------------------------------------------------------------------------------------------- xg

DINTI_ LIBZG_IM----------------------------------------------------------------------------------------- xgg

OIO G- ZEMDIHULUIM------------------------------------------------------------------------------------- 9

I- Litir Oeliaimf Bisilih------------------------------------------------------------------------- 9

O- Zeboitisim Bisilih------------------------------------------------------------------------------- 3

C- Zerubusim Bisilih--------------------------------------------------------------------------------- 4

D- Tuùim Zemelgtgim------------------------------------------------------------------------------------- 4

E- Bimniit Zemelgtgim------------------------------------------------------------------------------------ 5

OIO GG- TGM@IUIM ZUSTIAI--------------------------------------------------------------------------- >

I- Lizkrim Aeuimfim----------------------------------------------------------------------------------- >

9- Zemfertgim Lizkrim Aeuimfim------------------------------------------------------------ >

?- Tuùim dim Bimniit Lizkrim Aeuimfim--------------------------------------------- 6

i- Tuùim Lizkrim Aeuimfim------------------------------------------------------------ 6

o- Bimniit Lizkrim Aeuimfim---------------------------------------------------------- 7


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3- Umsur"umsur Lizkrim Aeuimfim---------------------------------------------------------- 99

4- Lizkrim Aeuimfim umtua Aezutusim Aredgt--------------------------------------- 98

O- Aredgt-------------------------------------------------------------------------------------------------------- ?:

9- Zemfertgim Aredgt--------------------------------------------------------------------------------- ?:

?- Numfsg dim @emgs Aredgt----------------------------------------------------------------------- ??

i- Numfsg Aredgt--------------------------------------------------------------------------------- ??

o- @emgs Aredgt------------------------------------------------------------------------------------ ?4

3- Beaimgsbe dim Zrksedur Aredgt--------------------------------------------------------- ?4

4- Zrksedur Zeboergim Aredgt----------------------------------------------------------------- ?6

5- Imilgsgs Aredgt------------------------------------------------------------------------------------ 3:

>- Imilgsgs itis Lizkrim Aeuimfim--------------------------------------------------------- 33

6- Imilgsgs Aredgt------------------------------------------------------------------------------------- 3:

GGG- BETKDE ZEMELGTGIM-------------------------------------------------------------------------------- 45

I- @emgs Zemelgtgim----------------------------------------------------------------------------------------- 45

O- @emgs Diti-------------------------------------------------------------------------------------------------- 45

C- Teamga Zemfubzulim Diti------------------------------------------------------------------------ 4>

D- Betkde Imilgsgs Diti-------------------------------------------------------------------------------- 4>

E- Lkaisg dim @idvil Zemelgtgim-------------------------------------------------------------------- 47

OIO G^- IMILGSGS HISGL ZEMELGTGIM--------------------------------------------------------- 5:

I- Fiboirim Ubub ZT- Oima Bimdgrg, Toa Cioimf Bedim- 5:

9- Se`irih Sgmfait Zerusihiim---------------------------------------------------------------- 5:


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?- Struatur Krfimgsisg------------------------------------------------------------------------------ 54

O- Imilgsi dim Zeboihisim-------------------------------------------------------------------------- 55

9- Imilgsi itis zrksedur zeboergim aredgt dg Oima Bimdgrg------------------- 55

?- Imilgsi Auilgtgtitgn------------------------------------------------------------------------------ 56

3- Imilgsgs Lizkrim Aeuimfim ( Imilgsi Auimtgtitgn'----------------------------- >>

4- Imilgsi itis iatg~gtis aredgt Oima Bimdgrg------------------------------------------ >8

5- Imilgsgs Diti Zemelgtgim----------------------------------------------------------------------- >7

OIO ^- AESGBZULIM DIM SI_IM---------------------------------------------------------------- 65

I- Aesgbzulim---------------------------------------------------------------------------------------------- 65

O- Sirim--------------------------------------------------------------------------------------------------------- 6>

DINTI_ ZUSTIAI---------------------------------------------------------------------------------------------- 66

LIBZG_IM


9/88


DINTI_ TIOEL

Tioel @udul Hilibim

?-9 Merici ----------------------------------------------------------------------------- 9?

?-? Lizkrim Eaugtis Zebglga-------------------------------------------------- 94

?-3 Lizkrim Lioi"_ufg------------------------------------------------------------ 95

?-4 Lizkrim Irus Ais--------------------------------------------------------------- 9>

?-5 Tgmìuim Zemelgtgim Terdihulu--------------------------------------------- 4?

3-9 Tioel Agsg"agsg Koser~isg dim Oesirmwi Zemfiruh

Agmerì Aeuimfim umtua Aezutusim Zeboergim Aredgt------- 48

4-9 Imilgsgs Gmnkrbisg Lizkrim Aeuimfim cilkm misioih

Lizkrim Lioi _ufg-------------------------------------------------------------- 56

Merici---------------------------------------------------------------------------------- 58

4-? Imilgsi Auimtgtitgn

Lefilgtis Usihi-------------------------------------------------------------------- 57

Zebisirim

Zisir wimf dgtuù------------------------------------------------------------------ >3

4-3 Imilgsgs Ifumim------------------------------------------------------------------- >4

4-4 Zerhgtumfim _isgk Lgaugdgtis----------------------------------------------- >6

4-5 Zerhgtumfim _isgk Zrkngtioglgtis------------------------------------------ >8

4-> Zerhgtumfim _isgk Skl~ioglgtis-------------------------------------------- >8

4-6 Zerhgtumfim _isgk Iatg~gtis------------------------------------------------ >7


10/88


DINTI_ FIBOI_

Tioel @udul Hilibim

?-9 Oemtua Nkrbit Imilgsgs Aredgt----------------------------------------- ?8

?-? Zrkses Zeboergim Aredgt Kleh Oima--------------------------------- ?7

?-3 Aerimfai Akmseztuil------------------------------------------------------------ 43

4-: Struatur Krfimgsisg-------------------------------------------------------------- 54


11/88


DINTI_ LIBZG_IM

Libzgrim

9- Dintir Zertimwiim ( Auesgkmer'

?- Nkrb Izlgaisg Aredgt

3- Zerhgtumfim _efresg Lgmger Sederhimi

4- Merici

5- Lizkrim Lioi _ufg


12/88


OIO G

ZEMDIHULUIM

I- Litir Oeliaimf Bisilih

Gmdustrg zeroimaim seoifig leboifi aeuimfim beruziaim silih situ umsur

zemtgmf dilib sgsteb zereakmkbgim Mefiri- Segrgmf demfim zesitmwi aebiùim eakmkbg

dim ogsmgs, gmdustrg zeroimaim bemìdg sebiagm oerimeai rifib-

Dilib umdimf"umdimf Mk- 6 tihum 977? temtimf zkaka"zkaka zeroimaim

dgseoutaim oihvi 0 Oima idilih oidim usihi wimf bemfhgbzum dimi dirg biswiriait

dilib oemtua sgbzimim, dim bemwiluraimmwi aezidi biswiriait dilib rimfai

bemfhgduzaim tirin hgduz riawit oimwia-

Dirg dengmgsg terseout dizit dgsgbzulaim oihvi seciri ubub, tufis utibi

zeroimaim seoifig leboifi zerimtiri idilih bemfhgbzum dimi dirg biswiriait dim

bemwiluraimmwi aeboilg ae biswiriait wimf beboutuhaim dimi terseout wimf

oemtuamwi idilih aredgt, oiga gtu aredgt bkdil aerì, aredgt gm~estisg dim ligm seoifigmwi-

Iatg~gtis aredgt idilih iatg~gtis wimf dkbgmim, hil gmg dizit dgaetihug zidi

merici suitu oima wimf bebzerlghitaim zersemtise aredgtmwi teroesir dgoimdgmfaim

demfim seluruh iatg~i- Dkbgmisg terseout bemweoioaim zemdizitim oumfi (gmterest

gmckbe' beruziaim zemdizitim wimf bemkm`kl dirg seluruh zemdizitim oima- Dgsgsg ligm

aredgt bebglgag tgmfait resgak wimf tgmffg sehgmffi aerufgim bumfagm dizit terìdg,

bgsilmwi aredgt bicet dim lgaugdisg- Kleh airemi gtu oima hirus bebefimf tefuh zrgmsgz

aehitg"hitgim- Oima hirus bemfhgmdiraim terìdgmwi tumffiaim oumfi, tgdia


13/88


bemgmfaitmwi oeoim ogiwi oima sehgmffi dizit bemeaim itiu oihaim bemfhizus

zrkngtioglgtis oima-

Aezutusim zeboergim aredgt zidi ububmwi oerdisiraim zidi imilgsi aredgt wimf

dgliauaim zidi siit zemfiùim zerbgmtiim aredgt kleh misioih- Zidi disirmwi idi dui

èmgs imilgsi wimf dizit dgliauaim, wigtu imilgsgs terhidiz diti auilgtitgn dim imilgsgs diti

auimtgtitgn- Zidi imilgsi auimtgtitgn, oima oerusihi bemfuaur seìuh bimi aebibzuim

misioih (zerusihiim' dilib bemfeboilgaim zkaka zgmìbim dim beboiwir oumfi-

Wimf bemìdg tklia uaur dirg imilgsi terseout idilih imilgsi risgk aeuimfim wimf

dgzerkleh demfim ciri bemfimilgsi lizkrim aeuimfim zerusihiim dim bemffumiaim

betkde imilgsi hkrgpkmtil wigtu beboimdgmfaim risgk"risgk wimf sibi dirg dui zergkde

itiu leogh-

Lizkrim aeuimfim dizit beboimtu zghia oima umtua bebzerkleh fiboirim

bemfemig akmdgsg aeuimfim zerusihiim wimf iaim dgogiwig dim bemìdg suboer

gmnkrbisg zemtgmf seoifig silih situ oihim zertgboimfim dilib bemfibogl aezutusim

zeboergim aredgt- Hil gmg seìlim demfim silih situ tuùim zelizkrim aeuimfim bemurut

SNIC Mk- 9 wimf bemwitiaim Zelizkrim aeuimfim hirus bemwi`gaim gmnkrbisg wimf

oerfumi oifg gm~estkr dim aredgtkr wimf idi dim wimf zktemsgil, dim zebiaig ligm umtua

bemfibogl aezutusim, zeboergim aredgt, dim aezutusim ligmmwi- Kleh seoio gtu

aetezitim dim aeiauritim risgk terseout iaim simfit oerzemfiruh zidi aezutusim

zeboergim aredgt-

Zemwilurim aredgt aezidi misioih wimf beboutuhaim aredgt (deogtur' hirus

belilug suitu zrksedur wimf hirus dgliauaim seciri zrknessgkmil dim hitg"hitg, dgbimi

zrksedur terseout bumfagm oeroedi imtiri suitu oima demfim oima ligmmwi- Mibum,


14/88


seciri ubub dizit dgèlisaim oihvi tihiz"tihiz zemwilurim aredgt terdgrg dirg

vivimciri demfim cilkm deogtur, imilgsi lizkrim aeuimfim, zemgligim ìbgmim,

zebergasiim dkaubem"dkaubem huaub dim tihiz bebutusaim aredgt wimf ogisimwi

dgliauaim kleh oeoerizi zeìoit aredgt oima-

Oerdisiraim ilisim terseout dgitis, zemulgs berisi tertirga umtua bemfemig leogh

limùt bemfemig risgk aeuimfim, èmgs dim aefumiimmwi serti zemfiruhmwi dilib

bememtuaim aezutusim zeboergim aredgt zerusihiim"zerusihiim kleh oima, sehgmffi

ùdul zemelgtgim gmg idilih 0 Zemfiruh Imilgsi Agmerì Aeuimfim Zerusihiim Umtua

Aezutusim Zeboergim Aredgt ( Studg Aisus Zeboergim Aredgt dg Ckbbercgil

Oimagmf Cemter Bedim ZT- Oima Bimdgrg Toa '-

GGG- Zeboitisim Bisilih

Zemulgs beliauaim zemelgtgim zidi Oima Bimdgrg demfim bemfibogl sibzle dirg

ZT- Dirbisgmdk Gmtgairet dim bebouit oitisim"oitisim seoifig oergaut 0

9- Dgisubsgaim oihvi ZT- Dirbisgmdk Gmtgairet gmfgm bemìdg misioih Oima

Bimdgrg demfim bemfiùaim aredgt umtua bebemuhg aeoutuhim bkdil aerì-

?- Dilib beliauaim zemelgtgim gmg, diti wimf dgzerkleh dirg zerusihiim idilih

sibzel tihum ?::5, ?::>, ?::6

3- Dilib beliauaim zemelgtgim zemulgs himwi bebnkausaim zidi imilgsi iszea

aeuimfim demfim bemffumiaim rubus"rubus risgk aeuimfim seciri hkrgpkmtil

O- Zerubusim Bisilih

Oerdisiraim urigim litir oeliaimf bisilih dgitis, biai zkaka zerbisilihim

dizit dgrubusaim seoifig oergaut 0


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9- Oifigbimi zrksedur zeboergim Aredgt Bkdil Aerì zidi Oima Bimdgrg ;

?- Oifigbimi zemgligim agmerì aeuimfim zerusihiim wimf iaim bemfiùaim Aredgt

Bkdil Aerì ;

3- Oifigbimi zemfiruh agmerì aeuimfim zerusihiim dglghit dirg imilgsi risgk

aeuimfim demfim bemffumiaim betkde hkrgpkmtil terhidiz aeliwiaim

bemdizitaim aredgt bkdil aerì ;

C- Tuùim Zemelgtgim

Oerdisiraim gdemtgngaisg bisilih zemelgtgim, biai tuùim zemelgtgim dgliauaim

seoifig oergaut 0

9- Umtua bemfetihug zrksedur zeboergim Aredgt Bkdil Aerì zidi Oima Bimdgrg-

?- Umtua bemglig agmerì aeuimfim zerusihiim wimf iaim bemfiùaim Aredgt

Bkdil Aerì-

3- Umtua bemfetihug zemfiruh agmerì aeuimfim zerusihiim `gai dgtgmìu dirg

imilgsi risgk aeuimfim demfim bemffumiaim betkde hkrgpkmtil terhidiz

aeliwiaim bemdizitaim aredgt bkdil aerì-

D- Bimniit Zemelgtgim

Zemelgtgim wimf dgliauaim kleh zemulgs dghirizaim dizit oerbimniit 0

9- Oifg zemulgs, zemulgs dizit bebzerluis vivisim dim zemfetihuim bemfemig

dumgi zeroimaim dim dumgi zeraredgtim-


16/88


17/88


OIO GG

TGM@IUIM ZUSTIAI

I- Lizkrim aeuimfim

9- Zemfertgim Lizkrim Aeuimfim

Zidi disirmwi lizkrim aeuimfim tgdia himwi seoifig ilit zemfu`g siì tetizg ùfi

seoifig disir umtua dizit bememtuaim itiu bemglig zksgsg aeuimfim suitu zerusihiim-

Demfim hisgl imilgsgs terseout, biai dizit beboimtu zghia wimf oeraezemtgmfim dilib

bemfibogl aezutusim- @idg umtua bemfetihug akmdgsg aeuimfim suitu zerusihiim serti

hisgl"hisgl wimf telih dgcizig zerusihiim terseout zerlu idimwi lizkrim aeuimfim

zerusihiim-

Lizkrim Aeuimfim bemurut Stimdirt Iaumtimsg Aeuimfim (97770?' idilih

seoifig oergaut 0

Lizkrim Aeuimfim beruziaim oifgim dirg zrkses zelizkrim aeuimfim, belgzutgmerici, lizkrim lioi rufg, lizkrim zeruoihim bkdil ( wimf dizit dgsi`gaim demfimoeroifig ciri sezertg bgsilmwi seoifig lizkrim irus ais itiu lizkrim irus dimi ', cititim

dim lizkrim ligm serti biterg zemèlisim wimf beruziaim oifgim gmtefril dirg LizkrimAeuimfim-

Sedimfaim zemfertgim Lizkrim Aeuimfim bemurut Bumivgr dilib ouau Imilgsi

Lizkrim Aeuimfim (97770?' 0

Lizkrim aeuimfim zidi disirmwi idilih hisgl dirg zrkses iaumtimsg wimf dizitdgfumiaim seoifig ilit umtua oerakbumgaisg imtiri diti aeuimfim itiu iatg~gtis suituzerusihiim demfim zghia"zghia wimf oeraezemtgmfim demfim diti itiu iatg~gtiszerusihiim terseout-

@idg lizkrim aeuimfim gmglih wimf bemìdg oihim gmnkrbisg oifg zghia oima

seoifig silih situ oihim dilib zrkses zemfiboglim aezutusim aredgt, dgsibzgmf idimwi

diti wimf oersgnit mkm aeuimfim seoifig gmnkrbisg wimf dgoutuhaim oima seliau deogtur-


18/88


Bgsilmwi Iati zemdgrgim, Surit"surit gpgm wimf bisgh oerliau, @ibgmim aredgt, Dintir

gsgim wimf dgsedgiaim oima, Krfimgsisg dim bimièbem zerusihiim, Diti reilgsisg

uisihi, Diti remcimi usihi, Diti ligmmwi- Zghia"zghia wimf oeraezemtgmfim terhidiz

zeraeboimfim suitu zerusihiim simfitlih zerlu umtua bemfetihug akmdgsg aeuimfim-

Akmdgsg aeuimfim zerusihiim iaim terlghit dirg lizkrim aeuimfim zerusihiim wimf

oersimfautim-

?- Tuùim dim Bimniit Lizkrim Aeuimfim

i- Tuùim Lizkrim Aeuimfim

Tuùim utibi dirg lizkrim aeuimfim idilih beboergaim gmnkrbisg wimf oerfumi

umtua zemfiboglim aezutusim wimf eakmkbgs-

Bemurut Gaitim Iaumtim Gmdkmesgi (?::404', tuùim dirg lizkrim aeuimfim idilih

9- Bemwedgiaim gmnkrbisg wimf bemwimfaut zksgsg aeuimfim, agmerì, sertizeruoihim zksgsg aeuimfim suitu zerusihiim wimf oerbimniit oifg seùblihoesir zebiaig dilib zemfiboglim aezutusim eakmkbg-

?- Lizkrim aeuimfim wimf dgsusum umtua tuùim gmg bebemuhg aeoutuhimoersibi seoifgim oesir zebiaig- Mibum debgagim, lizkrim aeuimfim tgdiabemwedgiaim sebui gmnkrbisg wimf bumfagm dgoutuhaim zebiaig dilibzemfiboglim aezutusim eakmkbg airemi seciri ubub bemffiboiraimzemfiruh aeuimfim dirg aeìdgim dg bisi lilu-

3- Lizkrim aeuimfim ùfi bemumùaaim izi wimf dgliauaim bimièbem(stevirdshgz' itiu zertimffumfìvioim bimièbem itis suboer diwi wimfdgzerciwiaim zidimwi-

Sedimfaim bemurut Stimdirt Iaumtimsg Aeuimfim (977703', tuùim Lizkrim

Aeuimfim idilih 0 Bemwedgiaim gmnkrbisg wimf bemwimfaut zksgsg aeuimfim, agmerì

serti zeruoihim zksgsg aeuimfim suitu zerusihiim wimf oerbimniit oifg seùblih

oesir zebiaig dilib zemfiboglim aezutusim eakmkbg-


19/88


IZO StitebemtMk- 4 bemffiboiraim tuùim lizkrim aeuimfim dim beboifgmwi

bemìdg dui, wigtu 0

9- Tuùim ubub wigtu bemwi`gaim lizkrim zksgsg aeuimfim, hisgl usihi, dim zeruoihim

zksgsg aeuimfim ligmmwi seciri viìr dim sesuig demfim zrgmsgz iaumtimsg wimf

dgtergbi-

?- Tuùim ahusus wigtu beboergaim gmnkrbisg bemfemig suboer eakmkbg, aevi`goim,

aeaiwiim oersgh, zrkweasg lioi, zeruoihim hirti dim aevi`goim serti gmnkrbisg

ligmmwi wimf rele~im-

Dilib zemfiboglim aezutusim aredgt, zghia oima gmfgm bemfetihug aebibzuim

zerusihiim umtua bemdizitaim irus ais wimf iaim bereai zerkleh dg bisi wimf iaim

ditimf, beboimdgmfaim, dim bemglig ùblih, viatu dim aigtimmwi demfim aetgdiazistgim

dirg irus ais dg bisi wimf iaim ditimf, kleh airemimwi tuùim lizkrim aeuimfim bemurut

Sknwim Sinrg Hirihiz dilib ouaumwi wimf oerùdul Tekrg Iaumtimsg Lizkrim Aeuimfim

(977>0?5:', idilih 0

Tuùim Lizkrim Aeuimfim idilih umtua beboergaim gmnkrbisg wimf oerfumi

oifg gm~estkr dim aredgtkr beribilaim, beboimdgmfaim, dim bemglig zktemsg

irus ais wimf iaim bereai tergbi dilib ùblih viatu dim aigtimmwi demfim

aetgdiazistgim-

@idg, setelih bebihibg tuùim lizkrim aeuimfim dirg oeoerizi suboer, demfim

debgagim zemelgtg dizit bemwgbzulaim zerim lizkrim aeuimfim oifg aredgtkr, gm~estkr

dim ùfi zebiaig ligmmwi-

Zerim lizkrim aeuimfim idilih seoifig oergaut 0


20/88


9'- Lizkrim aeuimfim wimf beruziaim suboer gmnkrbisg dizit beboergaim sefili

gmnkrbisgmwi wimf dizit oerfumi umtua beboimtu gm~estkr, aredgtkr dim zebiaig

ligmmwi dilib bemglig zrkszea ilgrim ais zerusihiim-

?'- Lizkrim aeuimfim dizit beboergaim gmnkrbisg wimf oerfumi oifg gm~estkr,

aredgtkr, dim zebiaig ligmmwi dilib beboergaim aredgt, bebouit aezutusim

gm~estisg dim aezutusim ligm wimf seruzi-

3'- Lizkrim aeuimfim dizit beboergaim gmnkrbisg bemfemig agmerì aeuimfim

zerusihiim dilib situ zergkde- @idg oima seoifig aredgtkr dizit bebzredgasg

itiu bemglig agmerì aeuimfim zerusihiim sehgmffi liwia itiu tgdia dgidiaim

zemcigrim aredgt-

4'- Lizkrim aeuimfim oerzerim dilib beboergaim gmnkrbisg bemfemig suboer"

suboer eakmkbg dirg suitu zerusihiim-

o- Bimniit Lizkrim Aeuimfim

Zebiaig lizkrim aeuimfim belgzutg gm~estkr seairimf dim gm~estkr zktemsgil,

airwivim, zeboerg zgmìbim, zebiska dim aredgtkr usihi ligmmwi, zelimffim,

zebergmtih serti leboifi"leboifimwi, dim biswiriait- Bereai bemffumiaim lizkrim

aeuimfim umtua bebemuhg aeoutuhim gmnkrbisg wimf oeroedi- Oeoerizi aeoutuhim gmg

belgzutg 0

9'- Gm~estkr

Zemimibim bkdil oergsgak dim zemifghim bereai oeraezemtgmfim demfim resgak

wimf beleait serti hisgl zemfeboimfim dirg gm~estisg wimf bereai liauaim-

Bereai beboutuhaim gmnkrbisg umtua beboimtu bememtuaim iziaih hirus

beboelg, bemihim itiu bemùil gm~estisg terseout- Zebefimf sihib ùfi tertirga


21/88


zidi gmnkrbisg wimf bebumfagmaim bereai umtua bemglig aebibzuim zerusihiim

umtua beboiwir de~gdem-

?'- Airwivim

Airwivim dim aelkbzka"aelkbzka wimf beviaglg bereai tertirga zidi gmnkrbisg

bemfemig stioglgtis dim zrkngtioglgtis zerusihiim- Bereai ùfi tertirga demfim

gmnkrbisg wimf bebumfagmaim bereai bemglig aebibzuim zerusihiim dilib

beboergaim ìsi, bimniit zemsgum, dim aesebzitim aerì-

3'- Zeboerg zgmìbim

Zeboerg zgmìbim tertirga demfim gmnkrbisg aeuimfim wimf bebumfagmaim bereai

umtua bebutusaim iziaih zgmìbim terseout serti oumfimwi dizit dgoiwir zidi

siit ìutuh tebzk-

4'- Zebiska dim aredgtkr usihi ligmmwi

Zebiska dim aredgtkr usihi ligmmwi tertirga demfim gmnkrbisg wimf bebumfagmaim

bereai umtua bebutusaim iziaih ùblih wimf terhutimf iaim dgoiwir zidi siit

ìtuh tebzk- Aredgtkr usihi oeraezemtgmfim zidi zerusihiim dilib temffimf

viatu wimf leogh zemdea dirgzidi zeboerg zgmìbim aecuilg ailiu seoifig

zelimffim utibi bereai terfimtumf zidi aelimfsumfim hgduz zerusihiim-

5'- Zelimffim

Ziri zelimffim oeraezemtgmfim demfim gmnkrbisg bemfemig aelimfsumfim hgduz

zerusihiim, terutibi ailiu bereai terlgoit dilib zerìm`gim ìmfai zimìmf

demfim, itiu terfimtumf zerusihiim-


22/88


>'- Zebergmtih

Zebergmtih dim oeroifig leboifi wimf oeridi dg oivih aeauisiimwi

oeraezemtgmfim demfim ilkaisg suboer diwi dim airemi gtu oeraezemtgmfim demfim

iatg~gtis zerusihiim- Bereai ùfi beboutuhaim gmnkrbisg umtua bemfitur

iatg~gtis zerusihiim, bemetizaim aeogìaim ziìa dim seoifig disir umtua

bemwusum stitgstga zemdizitim misgkmil dim stitgstga ligmmwi-

6'- Biswiriait

Zerusihiim bebzemfiruhg imffkti biswiriait dilib oeroifig ciri- Bgsilmwi,

zerusihiim dizit beboergaim akmtrgousg oerirtg zidi zereakmkbgim misgkmil,

terbisua ùblih krimf wimf dgzeaerìaim dim zerlgmdumfim aezidi zemimib bkdil

dkbestga- Lizkrim aeuimfim dizit beboimtu biswiriait demfim bemwedgiaim

gmnkrbisg aecemderumfim (tremd' dim zeraeboimfim teriahgr aebiaburim serti

rimfaigim iatg~gtismwi

3- Umsur"Umsur Lizkrim Aeuimfim

Umsur"Umsur lizkrim aeuimfim terdgrg dirg 0

9- Merici

Merici idilih lizkrim aeuimfim wimf sgstebitgs temtimf iatg~i, hutimf serti bkdil suitu

zerusihiim zidi suitu siit tertemtu- Zksgsg aeuimfim terseout bemumùaaim aeidiim hirti

wimf dgbglgag zerusihiim, dim bemumùaaim suboer dirgbimi hirti terseout dgzerkleh-

Idi tgfi oemtua zemwi`gim merici wimf lipgb dgfumiaim 0

9'- Oemtua sakmtrk


23/88


Wigtu oemtua reaemgmf T, dgbimi iatg~i dgsusum dg oifgim agrg itiu deogt dim

zissg~i wimf terdgrg dirg aelkbzka aevi`goim dim eaugtis dgsusum dg seoelih

aimim itiu aredgt-

?'- Oemtua ~ertgail

Oemtua lizkrim dgbimi iatg~i, aevi`goim dim eaugtis dgsusum demfim urutim ae

oivih (~ertgail'-

3'- Oemtua merici wimf dgsesuigaim demfim aeduduaim itiu zksgsg aeuimfim suitu

zerusihiim- Wimf oertuùim ifir aeduduaim itiu zksgsg aeuimfim wimf

dgaehemdiag tibzia demfim èlis-

Ckmtkh merici oeroemtua ~ertgail idilih seoifig oergaut 0

Tioel ?-9

ZT- IOC

Merici

Zer 39 Deseboer ?::4

IATGÎ

Iatg~i Limcir 0Ais- _z xxxSurit"surit oerhirfi--- _z xxxVesel tifgh---- _z xxxZersedgiim oirimf difimfim- _z xxxZemfhisglim wimf bisgh hirus dgtergbi _z xxxZersakt ogiwi------------------------------------------------------------- _z xxx

Tktil iatg~i limcir----------------------------------------------------------- _z xxxGm~estisg 0

Sihib ZT- Biabur-------------------------------------------------- _z xxxKolgfisg mefiri--------------------------------------------------------- _z xxx

@ublih gm~estisg-------------------------------------------------------------- _z xxx

Iatg~i Tetiz 0Timih------------------------------------------------------------------------ _z xxxOimfumim---------------------------------------- _z xxxIaubulisg zemwusutim------------------- _z xxx

_z xxxBesgm"besgm----------------------------------- _z xxxIaubulisg zemwusutim------------------- _z xxx

_z xxx


24/88


Gm~emtirgs---------------------------------------- _z xxxIaubulisg zemwusutim------------------- _z xxx

_z xxx@ublih iatg~i tetiz--------------------------------------------------------- _z xxx

Iatg~i tgdia oervuùd 0Fkkdvgll-------------------------------------------------------------------------------- _z xxx

Oeoim wimf dgtimffuhaim----------------------------------------------------- _z xxx@ublih iatg~i tgdia oervuùd----------------------------------------- _z xxx

Iatg~i ligm"ligm 0Zgutimf imfai zimìmf--------------------------------------------------------- _z xxxOimfumim dilib zemdgrgim--------------------------------------------------- _z xxx

@ublih iatg~i ligm"ligm---------------------------------------------------- _z xxxTktil Iatg~i------------------------------------------------------------------ _z xxx

ZISSGÎHutimf limcir 0

Hutimf difimf---------------------------------------------------------- _z xxxVesel oiwir--------------------------------------------------------------- _z xxx

Hutimf ziìa------------------------------------------------------------- _z xxxOgiwi wimf bisgh hirus dgoiwir------------------------------- _z xxxZemdizitim wimf dgtergbi dg buai--------------------------- _z xxx

@ublih hutimf limcir------------------------------------------------------ _z xxxHutimf ìmfai zimìmf 0

Hutimf kolgfisg--------------------------------------------------------- _z xxxHutimf hgzktea--------------------------------------------------------- _z xxx

@ublih hutimf ìmfai zimìmf---------------------------------------- _z xxxTktil hutimf------------------------------------------------------------------ _z xxx

Bkdil+ AezebglgaimBkdil sihib------------------------------------------------------------ _z xxxZebisuaim bkdil---------------------------------------------------- _z xxx

Lioi dgtihim------------------------------------------------------------ _z xxxTktil bkdil-------------------------------------------------------- _z xxx

Tktil Zissg~i----------------------------------------------------------------- _z xxx

Suboer 0 Swihrul _iboe dim Murpigbih, Bkdul Iaumtimsg Bememfih G, Bedim,?::5, hil 99"9?

?- Lizkrim Eaugtis Zebglga

Lizkrim eaugtis zebglga idilih lizkrim wimf bemèlisaim temtimf zeruoihim zksgsg

bkdil oiga sihib dilib ZT, biuzum dilib zerusihiim zersekrimfim- Oergaut gmg idilih

ckmtkh zemwi`gim lizkrim eaugtis zebglga 0


25/88


ZT- IOC

Lizkrim Eaugtis ZebglgaUmtua Dui Oulim wimf Oeriahgr 39 Deseboer ?::5

Bkdil Chrgs Clira, 9 Mk~eboer ?::5 _z xxxGm~estisg zidi 9 Mk~eboer ?::5 _z xxxLioi oersgh umtua Mk~eboer dim Deseboer _z xxx !

_z xxxDgaurimfg zemirgaim kleh zebglga _z xxx "Aemigaim eaugtis zebglga _z xxx !

Bkdil Chrgs Clira, 39 Deseboer ?::5 _z xxx

Suboer 0 Virrem _ee~e Ness, Icckumtgmf Zemfimtir Iaumtimsg, @iairti, ?::5, hil 989

3- Lizkrim Lioi+_ufg

Lizkrim lioi+rufg idilih suitu lizkrim wimf dgsusum seciri sgstebitgs, temtimf

zemfhisglim wimf dgzerkleh dim temtimf ogiwi wimf bemìdg oeoim zerusihiim, dilib

usihimwi selibi situ zergkde- Demfim beboifgaim imtiri zemdizitim dim ogiwi terseout

dizit dgaetihug oerizi oesirmwi rufg itiu lioi zerusihiim- Kleh airemimwi seligm dilib

gahtgsir lizkrim lioi+rufg, imilgsgs dim gmterzrestisg iaim dgakmsemtrisgaim ùfi zidi

lizkrim irus ais-

Oergaut gmg idilih ckmtkh oemtua lizkrim lioi rufg 0

Tioel ?-3

Lizkrim lioi rufg

Umtua tihum ?::4

Zemùilim orutk-- _z xxx_eturm dim zktkmfim zemùilim _z xxx

Dgsckumt zemùilim _z xxx _z xxxZemùilim mettk-- _z xxxHirfi zkaka zemùilim

Zersedgiim oirimf difimfim, 9 @im ?::4-- _z xxxZeboelgim- _z xxx

_eturm dim zktkmfim zeboelgim _z xxxDgsckumt zeboelgim--- _z xxx _z xxx

_z xxx


26/88


Trimszkrtisg zeboelgim _z xxxOirimf tersedgi umtua dgùil---- _z xxx

Zersedgiim oirimf difimfim-- _z xxxHirfi zkaka zemùilim- _z xxx

Lioi orutk itis zemùilim- _z xxxOgiwi usihi 0

Ogiwi zemùilim 0Ogiwi id~ertemsg-------------------------------------------------------------- _z xxxOgiwi zemfgrgbim------------------------------------------------------------ _z xxxFi`g zeliwim tkak------------------------------------------------------------ _z xxxZemwusutim oimfumim tkak--------------------------------------------- _z xxx

@ublih ogiwi zemùilim--------------------------------------------- _z xxxOgiwi ubub dim idbgmgstrisg 0

Fi`g zgbzgmim dim airwivim----------------------------------------- _z xxxSuzzlges aimtkr---------------------------------------------------------------- _z xxxZemwusutim zeriokt aimtkr---------------------------------------------- _z xxxZiìa, isurimsg dim ligm"ligm-------------------------------------------- _z xxxZebiaigim telezkm dim lgstrga------------------------------------------ _z xxx

@ublih ogiwi ubub dim idbgmgstrisg------------------------ _z xxx@ublih ogiwi usihi---------------------------------------------------- _z xxx

Lioi usihi--------------------------------------------------------------------------------------------------------------- _z xxxZemdizitim dim lioi dg luir usihi 0Zemdizitim sevi----------------------------------------------------------------------- _z xxxZemdizitim oumfi--------------------------------------------------------------------- _z xxxLioi zemùilim iatg~i tetiz------------------------------------------------------ _z xxx

_z xxxOgiwi dim rufg dgluir usihi

Ogiwi oumfi-------------------------------------------------------------------- _z xxxOgiwi sevi---------------------------------------------------------------------- _z xxx

_z xxx

Lioi + rufg dgluir usihi------------------------------------------------------------------------------------ _z xxxLioi oersgh seoelub ziìa zerserkim---------------------------------------------------------------------- _z xxxTiasgrim ziìa zerserkim-----------------------------------------------------------------------------------------

Lioi kzerisgkmil----------------------------------------------------------------------------------------- _z xxx

_z xxxLioi oersgh--------------------------------------------------------------------------------------------------------------- _z xxxLioi zer leboir sihib 0

Aeumtumfim dirg zks luir ogisi-------------------------------------------------------------------Lioi Oersgh--------------------------------------------------------------------------------- _z xxx

Suboer 0 Swihrul _iboe dim Murpigbih, Bkdul Iaumtimsg Bememfih G, Bedim,?::5, hil 95

4- Lizkrim Irus Ais

_z xxx

Lizkrim irus ais idilih lizkrim wimf bemffiboiraim suboer dim zemfeluirim ais zidi

suitu zergkde tertemtu- Dilib hil gmg trimsiasg ai sgtu dgaelkbzkaaim zidi tgfi oifgim,


27/88


wigtu trimsiasg ais wimf oerisil dirg aefgitim kzerisg, trimsiasg ais wimf oerisil dirg

aefgitim zebogiwiim dim trimsiasg ais wimf oerisil dirg aefgitim gm~estisg-

Oergaut gmg idilih ckmtkh zemwi`gim lizkrim irus ais 0

Tioel ?-4

ZT- IOCLizkrim Irus Ais

Umtua tihum ?::4

9- Irus ais dirg aefgitim kzerisgi- Irus ais bisua 0

Zemergbiim dirg limffimim-------------------------------- _z xxx

Zemergbiim de~gdem------------------------------------------- _z xxx

Zemergbiim oumfi---------------------------------------------- _z xxx

Zemergbiim cligb isurimsg--------------------------------- _z xxx@ublih irus ais bisua--------------------------------------------------- _z xxx

!

o Irus ais aeluir 0

Zeboiwirim aezidi suzzlger------------------------------ _z xxx

Zeboiwirim oumfi---------------------------------------------- _z xxx

Zeboiwirim ziìa----------------------------------------------- _z xxx

Zeboiwirim tumtutim zemfidglim------------------------ _z xxx@ublih irus ais aeluir---------------------------------------------------- _z xxx

Ais oersgh wimf oerisil dirg kzerisg---------------------------------------------------- _z xxx

!

?- Irus ais dirg aefgitim gm~estisgi- Irus ais bisua 0

Zemergbiim dirg zemùilim iatg~i tetiz--------------- _z xxx

Zemergbiiim dirg vesel itis zemùilimIatg~i tetiz---------------------------------------------------------- _z xxx

o- Irus ais aeluir 0

!@ublih irus ais bisua-------------------------------------------------- _z xxx

Zeboelgim oimfumim------------------------------------------- _z xxx

Zemfeluirim bkdil---------------------------------------------- _z xxx

@ublih irus ais aeluir---------------------------------------------------

!

_z xxx

3- Irus ais dirg aefgitim zeboelimìim

"Ais oersgh wimf oerisil dirg gm~estisg------------------------------------------------- _z xxx

i- Irus ais bisua 0

Zemergbiim dirg zemfeluirim kolgfisg---------------- _z xxx

Zemergbiim dirg zemùilim sihib ogisi-------------- _z xxx@ublih ais bisua---------------------------------------------------------- _z xxx

!

o Irus ais aeluir

Zeboiwirim leise------------------------------------------------ _z xxx

Zeboiwirim de~gdem------------------------------------------- _z xxx

@ublih irus ais aeluir---------------------------------------------------

!

_z xxx "Ais oersgh wimf oerisil dirg zeboelim iim--------- --------------------------- _z xxxAemigaim itiu zemurumim ais--------------------------------------------------------------- _z xxx


28/88


Suboer 0 Swihrul _iboe dim Murpigbih, Bkdul Iaumtimsg Bememfih G, Bedim, ?::5, hil 97

5- Cititim itis Lizkrim Aeuimfim

Cititim itis lizkrim aeuimfim idilih lizkrim wimf bebuit imtiri ligm bemfemig gahtgsir

aeogìaim iaumtimsg zemtgmf wimf dgimut zerusihiim- Gahtgsir terseout bebuit zemèlisim

bemfemig aeogìaim iaumtimsg wimf bebzemfiruhg zksgsg aeuimfim dim hisgl usihi

zerusihiim, sezertg zemwusutim iatg~i tetiz dim ibkrtgsisg-

Oergaut gmg idilih ckmtkh zemwi`gim cititim itis lizkrim aeuimfim 0

Tioel ?-5

ZT- IOC

Cititim itis Lizkrim Aeuimfim

Cititim Lizkrim Aeuimfim Tihum wimf Oeriahgr 39 Deseboer ?::39- Gahtgsir aeogìasimiim iaumtimsg wimf zemtgmf 0

i- Zersedgiim dgmglig demfim hirfi zkaka itiu hirfi zisir, bimi wimf leoghremdih- Hirfi zkaka dgailaulisg demfim betkde ngrst gm, ngrst kut-

o- Zemwusutim dghgtumf demfim betkde firgs lurus umtua lizkrim aeuimfimdemfim bemffumiaim zedkbim IC_S umtua surit zeboergtihuim-

c- Hirti tia oervuùd dgibkrtgsisg selibi zergkde usgi bimniitmwi 0 zitem, 9:tihum, dim fkkdvgll, ?: tihum-d- Zerusihiim bemwevi zebglgaim Biraet street umtua zergkde 95 tihum

oeriahgr 9 @imuirg 977?- Sevi gmg tgdia bebemuhg argtergi aizgtilgsisg dimzeboiwirim sevi dgtergbi dgbuai dgiaug seoifig zemdizitim selibi bisisevi-

?- Zerusihiim aebumfagmim iaim dgaemiaim timffumf ìvio itis vesel tifgh dimzgutimf oerfirimsg wimf oerùblih _z xxx- @ufi oeroifig fufitim oelub dizitdgselesigaim timf bimi zemwelesigim zeboiwirimmwi oelub dizit dgtemtuaim-Bemurut zemdizitim zemficiri dim bimièbem, hutimf terseout, ailiuzum idi,tgdia iaim bitergil-

Suboer 0 Swihrul _iboe dim Murpigbih, Bkdul Iaumtimsg Bememfih G, Bedim,?::5, hil ?:

4- Lizkrim Aeuimfim Umtua aezutusim Aredgt


29/88


Lizkrim aeuimfim zerusihiim dgfumiaim kleh zghia oima oertuùim umtua

bebzerkleh fiboirim bemfemig 0

9- Aebibzuim zerusihiim bereai bebzerkleh aeumtumfim-

?- Struatur zerdimiim kzerisg zerusihiim-

3- Aebibzuim zerusihiim belumisg zgmìbim wimf ìtuh tebzk-

4- Engsgemsg zemfelkliim hirti zerusihiim zidi bisi libziu-

Aeebzit nkaus dgitis bebzumwig huoumfim wimf silgmf teraigt imtiri wimf situ

demfim ligmmwi- Seoifig ckmtkhmwi, struatur zemdimiim kzerisg zerusihiim, zrkngtioglgtis

dim aebibzuim bemfhisglaim dimi umtua belumisg zgmìbim silgmf bebzemfiruhg-

Zerusihiim demfim zrkngtioglgtis remdih, tgdia budih bemfubzulaim dimi dilib ùblih

oesir- Seoilgamwi, zerusihiim wimf tgdia bibzu bemwedgiaim dimi wimf cuauz umtua

bebogiwig kzerisg zerusihiimmwi dizit dgribilaim tgdia bibzu bemcizig hisgl

zemùilim dim aeumtumfim wimf bebidig- Kleh seoio gtu, hisgl e~iluisg akmdgsg

aeuimfim beruziaim oihim bisuaim wimf simfit zemtgmf umtua bemfimtgsgzisg

aebibzuim zerusihiim belumisg aredgt-

Ifir dizit bemfimtgsgzisg aebibzuim misioih umtua bemfeboilgaim aredgt

demfim oiga, zghia aredgtkr dilib hil gmg imilgsgs aredgt oima wimf oersimfautim

dgsirimaim ifir bebgmti misioihmwi umtua bemwusum zrkweasg irus ais bereai-

Zrkweasg irus ais gtu dgsusum bemurut ìmfai viatumwi bisgmf"bisgmf, sesuig demfim

zimìmf zemdeamwi ìmfai viatu aredgt- Idizum dkaubem zkaka wimf lipgb

dgzerfumiaim dilib e~iluisg akmdgsg aeuimfim misioih zidi bisi libziu idilih merici

lizkrim lioi+rufg zerusihiim selibi tgfi tihum teriahgr (wimf telih dgiudgt', serti merici

dim lioi+rufg sebemtiri tihum oerìlim- Ogisimwi lizkrim aeuimfim wimf dgiudgt kleh


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iaumtim zuolga leogh dgzerciwi kleh zghia oima- Lizkrim aeuimfim wimf dgsi`gaim kleh

iaumtim zuolga iaim bemfurimfg resgak oihvi zerusihiim bemckoi ifir lioimwi

bemffiboiraim remtioglgtis wimf bemffebogriaim- Iziogli remtioglgtis wimf oifus

biai zerusihiim iaim leogh budih bemdizitaim aredgt dirg zghia oima- Kleh airemi gtu

lizkrim aeuimfim wimf dgiudgt oeroedi demfim lizkrim aeuimfim wimf tgdia dgiudgt-

Lizkrim aeuimfim wimf dgiudgt temtumwi iaim dgzergasi kleh iaumtim zuolga aebudgim

dgoergaim zemdizit terhidiz lizkrim aeuimfim sesuig demfim aetemtuim wimf idi dilib

Stimdir Iaumtim Zuolga (SIZ' dim Stimdir Iaumtimsg Aeuimfim ( SIA '- Sedimfaim

lizkrim aeuimfim wimf tgdia dgiudgt temtumwi tgdia iaim dgoergaim zemdizit kleh iaumtim

zuolga-

O- Aredgt

9- Zemfertgim Aredgt

Gstglih aredgt ouaim hil wimf isgmf dilib aehgduzim sehirg"hirg dg biswiriait,

seoio sergmf dgùbzig idi imffkti biswiriait wimf beboelg oirimf dim aredgtim- @uil

oelg terseout tgdia dgliauaim demfim tumig, tetizg demfim ciri bemfimfsur- Seligm gtu

oimwia imffkti biswiriait wimf bemergbi aredgt dirg akzerisg biuzum oima umtua

aeoutuhimmwi- Bereai zidi ububmwi bemfirtgaim aredgt sibi demfim utimf, airemi

setelih ìmfai viatu tertemtu bereai hirus beboiwir lumis-

Seoemirmwi aiti aredgt oerisil dirg oihisi Wumimg wigtu credere wimf irtgmwi

zerciwi- Ogli dghuoumfaim demfim oima, biai teraimdumf zemfertgim oihvi oima

seliau aredgtur zerciwi bebgmìbaim seùblih uimf aezidi misioih+deogtur, airemi

deogtur dizit dgzerciwi aebibzuimmwi umtua beboiwir lumis zgmìbimmwi setelih

ìmfai viatu wimf dgtemtuaim-


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Dilib Umdimf"umdimf Zkaka Zeroimaim Mk- 6 tihum 977?, zemfertgim aredgt

idilih 0

Zemwedgiim uimf itiu tifghim wimf dizit dgzersibiaim demfim gtu,oerdisiraim

zersetuùim itiu aeseziaitim zgmìb bebgmìb imtiri oima demfim zghia ligmwimf bevi`goaim zghia zebgmìb umtua belumisg hutimfmwi setelih ìmfaiviatu tertemtu demfim ùblih oumfi, gboilim itiu zeboifgim hisgl aeumtumfim -

Dirg denemgsg terseout dizit dgtirga aesgbzulim 0

9- Idimwi zerìm`gim

Zeboergim aredgt dgdisiraim zidi suitu zerìm`gim wimf silgmf bebzerciwig

oihvi aedui oelih zghia iaim bebemuhg aevi`goimmwi bisgmf"bisgmf-

?- Aeseziaitim

Dilib zeboergim aredgt gmg teraimdumf aeseziaitim zelumisim hutimf dim oumfi

iaim dgselesigaim dilib ìmfai viatu wimf telih dgseziaitg oersibi-

3- Idimwi zemwerihim uimf

Aredgt tgboul airemi idimwi suitu zemwerihim uimf itiu dizit ùfi oirimf wimf

bemgboulaim tifghim demfim zghia ligm, demfim hirizim oihvi aredgtkr dilib

hil gmg zghia oima iaim bebzerkleh suitu tiboihim mglig dirg zkaka zgmìbim

terseout seoifig zemdizitim dirg oima wimf oersimfautim-

4- Idimwi niatkr resgak

Setgiz usihi wimf dgliauaim, leogh"leogh lifg dilib aefgitim ogsmgs iaim selilu

dghidizaim demfim oeroifig oemtua resgak- Zidi ububmwi zrkngt wimf dgzerkleh

iaim semimtgisi oeroimdgmf lurus demfim tgmfait resgak wimf dghidizg- Irtgmwi

sebiagm oesir tgmfait resgak dirg suitu ogsmgs biai iaim sebiagm oesir zuli

tgmfait aeumtumfim wimf dgzerklehmwi- Debgagim zuli dilib zersetuùim

zeboergim aredgt teraimdumf resgak wimf terleogh dulu dgzihibg dilib zrkses


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zeremcimiim aredgt, iziaih resgak terseout terfklkmf resgak wimf dizit

dgaemdilgaim itiu resgak lgir-

Bemurut KZ- Sgbkrimfagr (978>07:', Aredgt idilih zeboergim zrestisg (bgsilmwi

uimf, oirimf' demfim oilis zrestisg (akmtrizrestisg' wimf iaim terìdg zidi viatu wimf

iaim ditimf-

Dirg rubusim dgitis, dizit dgaebuaiaim oihvi aredgt gtu beruziaim zerìm`gim

zgmìb"bebgmìb uimf imtiri oima seoifig aredgtur dim misioih seoifig deogtur-

Dilib zerìm`gim gmg, oima seoifig zeboerg aredgt zerciwi terhidiz misioihmwi dilib

ìmfai viatu wimf telih dgseziaitgmwi iaim dgaeboilgaim (dgoiwir' lumis-

?- Numfsg dim @emgs Aredgt

Numfsg aredgt zeroimaim dilib aefgitim zereakmkbgim dim zerdifimfim bemurut

H- Oudg Umtumf dilb ouaumwi wimf oerùdul Aredgt Zeroimaim dg Gmdkmesgi (?:::04',

idilih 0

9- Dizit bemgmfaitaim lilu lgmtis dim zeredirim uimf

Aredgt wimf dgoergaim dizit belilug cea dim fgrk oglwet sehgmffi beboimtu lilu

lgmtis uimf-

?- Dizit bemgmfaitaim diwi fumi uimf

Ziri zebglga uimf dizit bemwgbzim uimfmwi dg oima dim uimf terseout kleh oima

dgzgmìbaim aezidi misioihmwi wimf beboutuhaim-

3- Dizit bemgmfaitaim diwi fumi oirimf

Demfim bemdizitaim aredgt ziri zemfusihi dizit bebzerfumiaim umtua beboelg

oihim oiau wimf leogh oerbutu wimf iaim bemgmfaitaim zrkduasg sehgmffi diwi

fumi oirimf gtu bemgmfait-


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4- Aredgt beruziaim silih situ stioglgtis eakmkbg

Demfim aredgt wimf dgoergaim, dizit dgfumiaim umtua bemdkrkmf bemgmfaitaim

usihi sezertg easzkr sehgmffi iaim bemgmfaitaim zemdizitim biswiriait dim dilib

hil gmg ogsi bemìdg ilit stioglgtis eakmkbg misgkmil-

5- Dizit bemgmfaitaim aefigrihim usihi

Demfim zgmìbim aredgt, ziri zemfusihi wimf bebzumwig bisilih demfim dimi

wimf dgfumiaim umtua bemgmfaitaim usihimwi, dizit dgitisg demfim zgmìbim aredgt-

>- Dizit bemgmfaitaim zeberitiim zemdizitim

Demfim bemgmfaitmwi aebiuim dilib oerusihi dgailimfim zemfusihi wimf teroimtu

belilug zgmìbim aredgt biai iaim bemgmfaitaim itiu bemigaaim zemdizitim

biswiriait sehgmffi seciri limfsumf dizit bemgmfaitaim zeberitiim zemdizitim-

6- Aredgt seoifig ilit uaur umtua bemgmfaitaim huoumfim gmtermisgkmil-

Aredgtur tgdia himwi beboergaim aredgtmwi dgdilib meferg tetizg ùfi dgluir meferg

sehgmffi dizit terìdg huoumfim imtir mefiri-

Seciri ubub èmgs aredgt idilih seoifig oergaut 0

9- Zemffklkmfim oerdisiraim @imfai Viatu

i- Aredgt @imfai Zemdea

Idilih aredgt wimf ìmfai viatumwi t gdia beleoghg situ tihum

o- Aredgt @imfai Bememfih

Idilih aredgt wimf bebzumwig ìmfai viatu imtiri situ sibzig tgfi tihum-

c- Aredgt @imfai Zimìmf

Idilih aredgt wimf bebzumwig ìmfai viatu dgitis tgfi tihum-

?- Zemffklkmfim Aredgt Oerdisiraim Tuùim Zemffumiimmwi


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i- Aredgt Akmsubtgn

Idilih aredgt wimf dgoergaim aezidi deogtur umtua aezerluim akmsubsg sezertg aredgt

zrknesg, aredgt zerubihim, aredgt aemdiriim oerbktkr dim ligm seoifigmwi-

o- Aredgt Zrkduatgn, wimf terdgrg dirg 0

9- Aredgt Gm~estisg, wigtu aredgt wimf dgfumiaim umtua beboelg oirimf bkdil itiu

oirimf"oirimf tihim libi sezertg timih, besgm dim seoifigmwi-

?- Aredgt Bkdil Aerì, wigtu aredgt wimf dgoergaim umtua bebogiwig bkdil limcir

wimf hiogs dilib zebiaigim sezertg umtua oirimf difimfim, oihim oiau dim

ligm"ligm-

3- Aredgt Lgaugdgtis, wigtu aredgt wimf dgoergaim demfim tuùim umtua beboimtu

zerusihiim wimf sedimf aesulgtim lgaugdgtis, bgsilmwi aredgt lgaugdgtis dirg

Oima Gmdkmesgi wimf dgoergaim umtua oima"oima wimf bebglgag lgaugdgtis dg

oivih oemtua uimf-

3- Beaimgsbe dim Zrksedur Aredgt

Dilib zemfiùim aredgt aezidi oima, zerusihiim hirus beliauaim tihizim"

tihizim dilib zerbkhkmim aredgt- Zerusihiim zerlu bebzersgizaim diti"diti wimf

dgzerluaim seoifig gmnkrbisg wimf dgoutuhaim seoifg gmnkrbisg wimf dgoutuhaim kleh

oima seliau aredgtur- Idizum gmnkrbisg dim diti"diti wimf dgoutuhaim belgzutg 0

9' Iati Zemdgrgim

Nktkckzg iate zemdgrgim dim iate zeruoihim zerusihiim- Iate zemdgrgim wimf

dgbiasudaim idilih wimf telih dgububaim dilib leboirim mefiri- Dirg iati"

iati gmg dizit dgaetihug zghia"zghia wimf dizit bemfgaitaim dgrg demfim zghia

aetgfi, ùblih sihib dim ùblih sihib wimf telih dgsetkr- Iate zemdgrgim dim


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iate zeruoihim himwi dgzerluaim oifg zerusihiim ngrbi+C^, zerserkim teroitis,

zerusihiim mefiri, wiwisim dim akzerisg -

?' Surit auisi sehuoumfim demfim hia suostgtusg

Surit auisi gmg himwi dgzerumtuaaim oifg zerusihiim ouaim zerkrimfim-

3' Surit"surit gpgm wimf bisgh oerliau

Surit"surit gpgm wimf dgbiasud idilih ogsi dilib oemtua 0

i' Surit Gpgm Usihi Zerdifimfim (SGUZ'

o' Surit Gpgm Usihi Zebokrkmf Zeaerìim (SGZZ'

c' Umdimf"umdimf fimffuim

d' Surit Gpgm Gmdustrg

e' Gpgm"gpgm ligmmwi-

4' Dintir gsgim wimf dgsedgiaim kleh oima

Ogli idi dintir gsgim wimf dgsedgiaim kleh oima biai zerusihiim hirus bemfgsg

lemfaiz dintir gsgim terseout dim dgtimditimfimg kleh zghia wimf oervemimf-

5' @ibgmim Aredgt

Wimf dgbiasud demfim ìbgmim aredgt idilih nktkckzw surit ouatg aezebglgaim

iatg~i tetiz(timih, oimfumim, aemdiriim, dim ligm"ligm' wimf dgbglgag kleh

zerusihiim-

>' Krfimgsisg dim bimièbem zerusihiim

6' Diti reilgsisg usihi

8' Diti remcimi usihi

7' Diti ligmmwi


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Diti ligmmwi idilih diti itiu gmnkrbisg zksgtgn ligmmwi wimf dgbglgag kleh zerusihiim

wimf iaim bemiboih aredgoglgtis zerusihiim dg biti oima-

o- Diti wimf oersgnit aeuimfim

Diti"diti wimf dgzerluaim kleh zerusihiim wimf oersgnit aeuimfim idilih lizkrim

aeuimfim- Zemwibzigim lizkrim aeuimfim simfit zemtgmf airemi beruziaim imilgsgs

gmtg dilib zersetuùim aredgt- Lizkrim aeuimfim wimf ogisimwi dgoutuhaim umtua

dgimilgsgs idilih 0

9' Lizkrim Lioi+_ufg

?' Merici

3' Irus Ais

4- Zrksedur Zeboergim Aredgt

Oima beberluaim gmnkrbisg temtimf diti"diti wimf dgbglgag cilkm zemergbi

aredgt- Diti"diti terseout zemtgmf oifg oima umtua bemglig aeidiim dim aebibzuim

misioih sehgmffi bemubouhaim aezerciwiim oima dilib beboergaim aredgt-

Zghia oima dizit demfim oiga bemìvio dim bemfibogl aezutusim itis bisilih"

bisilih wimf dghidizg dilib zrkses zeboergim aredgt, biai dgzerluaim suitu oemtua

dirg zkli imilgsgs aredgt- Imilgsgs gmg zerlu dgliauaim seciri argtgs oiga belilug

zemdeaitim auilgtitgn biuzum auimtgtitgn terhidiz sebui iszea- Zrkses imilgsgs dizit

dgliauaim kleh sekrimf stinn wimf bebzumwig aetribzglim dim zemfetihuim serti

zemfilibim dg ogdimf zeraredgtim (D`khim, ?::: 0 78'- Dizit ùfi dilib oemtua tgb

imilgsgs wigtu seaelkbzka krimf wimf terdgrg dirg oeroifig dgsgzlgm glbu aeihlgim, zrknesg

wimf berubusaim suitu oemtua imilgsgs terhidiz zerbkhkmim aredgt, sehgmffi terdizit


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oeroifig zertgboimfim dilib zemfiboglim aezutusim zeboergim aredgt aezidi cilkm

deogtur-

Fiboir ?-9

OEMTUA NK_BIT IMILGSGS A_EDGT

Nkrbit Imilgsgs

Aredgt

Gmnkrbisg Ubub

i- Gdemtgtis Zerusihiimo- Lefilgtis Zerusihiimc- Iszea Huaub

Diti dim Zertgboimfim

i- Huoumfim Zerusihiim demfim Oimao- Zerbkhkmim wimf Dgi`uaimc- _eilgsisg dim _emcimi Usihid- Iatg~gtis _eaemgmfe- Iszea Teahmgsn- Imilgsgs Lizkrim Aeuimfimf- Imilgsgs Oirimf @ibgmim

Aesgbzulim

Sirim


38/88


Suboer 0 Virbim D`khim, Aredgt Oima, ?:::, hil 9::

Nkrbit imilgsgs aredgt terseout sgnitmwi nleasgoel, terfimtumf dirg èmgs aredgt wimf

iaim dgimilgsgs dim tuùim wimf gmfgm dgcizig dirg imilgsgs aredgt gtu semdgrg-

Fiboir ?-?

Z_KSES ZEBOE_GIM A_EDGT KLEH OIMA

Zerbkhkmim Aredgt

Zemelgtgim Oerais Gm~estgfisg

Gmnkrbisg Oima

Imilgsgs Aredgt

Aezutusim

Dgtklia

Zemefisim

Dgsetuùg

Zemefisim

Isurimsg

Aredgt

Isurimsg

@ibgmim

Zemfgaitim

@ibgmim

Zemcigrim

Zemfelkliim

Zemfivisim


39/88


Suboer 0 Virbim D`khim, Aredgt Oima- ?:::, hil 77

Gmnkrbisg oima bemumùaaim oihvi oima wimf iaim bebzrkses zerbkhkmim

aredgt bebgmti gmnkrbisg ae oima ligm dirg Credgt Gmnkrbitgkm Cemtre Oima Gmdkmesgi

temtimf ngmimcgil stimdgmf dirg cilkm deogtur- Dirg ìvioim gmnkrbisg oima terseout dizit

dgaetihug okmingdgtis dirg cilkm deogtur, iziaih zernkrbimce cuauz oiga itiu bisua

dilib dintir hgtib dim iziaih wimf oersimfautim ùfi sedimf bebzerkleh nisglgtis

aredgt dirg oima ligm- Ogli gmnkrbisg wimf dgzerkleh ckcka demfim aeterimfim lgsim cilkm

deogtur oerirtg airiater dirg cilkm deogtur oiga dim tgdia debgagim `gai seoilgamwi-

5- Imilgsgs Aredgt

Seciri aeseluruhim dilib imilgsgs aredgt, ciauzim imilgsgs zilgmf tgdia hirus bebuit

imilgsgs emib C (>Cs', wimf beruziaim stimdir bgmgbil wimf lipgb dgfumiaim dg

ailimfim zeroimaim- Bemurut Sutk`k dilib ouaumwi wimf oerùdul Imilgsi Aredgt Oima

Ubub (9775044', emib bicib niatkr itiu > Cs idilih seoifig oergaut 0

9- Chiricter (vitia'

Dgbiasudaim umtua bemfetihug aeùùrim dim gtgaid oiga cilkm deogtur umtua

belumisg itiu bemfeboilgaim zgmìbimmwi- Dizit ùfi dgirtgaim seoifig bkril,

aezrgoidgim dim zergliau cilkm deogtur dilib aehgduzim aesehirgimmwi-

?- Cizicgtw (Aebibzuim'

Oima hirus bemelgtg temtimf aeihlgim cilkm deogtur dilib ogdimf usihimwi dim

aebibzuim bimièrgilmwi, sehgmffi oima wiagm oihvi usihi wimf iaim dgogiwigmwi

dgaelkli kleh krimf"krimf wimf tezit, sehgmffi cilkm deogturmwi dilib ìmfai viatu

tertemtu bibzu belumisg itiu bemfeboilgaim zgmìbimmwi-


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3- Cizgtil

Oima hirus beliauaim imilgsgs terhidiz zksgsg aeuimfim seciri bemweluruh

bemfemig bisi libziu dim wimf iaim ditimf, sehgmffi dizit dgaetihug aebibzuim

zerbkdilim cilkm deogtur dilib bemumìmf zebogiwiim zrkwea itiu usihi cilkm

deogtur-

4- Cklliteril (@ibgmim'

@ibgmim simfit zemtgmf oifg oima seoifig disir aewiagmim oihvi aredgt wimf

dgsiluraim tgdia iaim dgsilihfumiaim kleh zerusihiim- Seligm gtu, oima dizit

bebzerkleh aeboilg uimfmwi iziogli zerusihiim tgdia bibzu beboiwir aeboilg

uimfmwi iziogli zerusihiim tgdia bibzu beboiwir aeboilg hirfi zkaka dim oumfi

aredgt wimf tertumffia-

5- Ckmdgtgkm kn Eckmkbw ( Akmdgsg Eakmkbg'

Oima hirus bemfimilgsgs aeidiim zisir dg dilib dim dg luir meferg oiga bisi lilu

biuzum wimf iaim ditimf, sehgmffi bisi dezim zebisirim dirg hisgl zrkwea itiu

usihi cilkm deogtur wimf dgogiwig oima dizit dgaetihug- Kleh airemi gtu, akmdgsg

eakmkbg wimf dizit bebzemfiruhg aesuasesim ogsmgs zerusihiim beruziaim niatkr

wimf zerlu dgzerhitgaim oima-

>- Ckbzetemce tk Okrrkv

Oima gmfgm bemfetihug sgizi siì dilib krfimgsisg zerusihiim wimf seciri hkaub

bebzumwig vevemimf umtua bebgmìb dimi dirg oima- Seoio, seouih zerìm`gim

aredgt wimf dgtimditimfimg kleh zeìoit wimf tgdia oervevemimf umtua bebgmìb,

dizit dgtklia aeiosihimmwi-


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Dilib bemfimilgsgs lgbi C terseout, aeseluruhim aebumfagmim resgak wimf dizit

terìdg telih bemdizitaim zerhitgim- Dirg hisgl imilgsgs dgbiasud, temtumwi ziri

zemfibogl aezutusim dg ogdimf zeraredgtim dghirizaim telih dizit bemfibogl aezutusim

demfim oiga- Sedimfaim bemurut Bumgr Nuidw dilib ouaumwi wimf oerùdul Huaub

Zeraredgtim Akmtebzkrer (977>0?4', oima dilib beboergaim aredgt, seligm bemerizaim

zrgmsgz > Cs, ùfi bemerizaim izi wimf dgmibiaim demfim zrgmsgz 5 Z, wigtu 0

i- Zurzkse wigtu sisirim dim tuùim zeboergim aredgt

o- Ziwbemt wigtu suboer dim ìdvil viatu zeboiwirim aredgt

c- Zekzle wigtu zemgligim terhidiz krimf"krimf wimf terlghit dilib usihi cilkm

deogtur-

d- Zrktectgkm wigtu bemfitisg resgak iziogli usihi deogtur fifil-

e- Zerszectg~e wigtu imilgsgs akmdgsg zerusihiim dim zerszeatgn bemditimf-

n- Zirtw wigtu aezerciwiim wimf dgoergaim kleh deogtur aezidi zghia zeboerg aredgt

Dg sibzgmf bebzerfumiaim zrgmsgz aredgt dg itis, oima dilib beboergaim aredgt

ùfi bemffumiaim zrgmsgz 3 _, wigtu 0

9- _eturmBeruziaim hisgl wimf dgzerkleh deogtur, dilib hil gmg aetgai aredgt telih

dgbimniitaim dim dizit dgimtgzisg kleh cilkm aredgtkr- Irtgmwi, zerklehim terseout

bemcuauzg umtua beboiwir aeboilg aredgt oeserti oumfi, kmfaks"kmfaks, dg

sibzgmf beboiwir aezerluim zerusihiim wimf ligm sezertg umtua irus ais, aredgt

ligm `gai idi, dim seoifigmwi-

?- _eziwbemt


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Wigtu zeboiwirim aeboilg kleh deogtur sudih dizit dgribilaim kleh imilgsgs-

Aebibzuim oiwir dirg zghia deogtur hirus dgzertgboimfaim iziaih aebibzuim

oiwir terseout sesuig demfim ìdvil zeboiwirim aeboilg dirg aredgt wimf iaim

dgoergaim gtu-

3- _gsa Oeirgmf IoglgtwWigtu zemfemdilgim wimf dgaigtaim demfim aebumfagmim idimwi aefifilim usihi

deogtur, iziaih deogtur bibzu bemutuz seluruh aerufgim wimf bumfagm tgboul

airemi hil"hil wimf tgdia dgzeragriaim sebuli- Umtua gtu, zerlu dgzerhgtumfaim

iziaih bgsilmwi ìbgmim itiu isurimsg oirimf itiu aredgt sudih cuauz ibim umtua

bemutuzg resgak terseout-

>- Imilgsgs itis Lizkrim Aeuimfim

Dilib bememtuaim liwia itiu tgdiamwi aredgt wimf dgiùaim cilkm misioih

dgzerluaim imilgsi"imilgsi wimf bemffiboiraim akmdgsg kzerisg, aeuimfim serti

bimièbemmwi- Dilib hil gmg zghia oima beberluaim gmnkrbisg"gmnkrbisg wimf

terzerciwi, imtiri ligm gmnkrbisg lizkrim aeuimfim seciri terzergmcg, gmnkrbisg bemfemig

sgnit dim stitus cilkm deogtur dim niati"niati zemwelgdgaim ligmmwi-

Imilgsi lizkrim aeuimfim beruziaim zrkses wimf oertuùim umtua bemfe~iluisg

zksgsg aeuimfim serti hisgl aefgitim usihi suitu zerusihiim dg bisi lilu dim dg bisi

seairimf- Imilgsi lizkrim aeuimfim hirus budih dgbemfertg dim gmnkrbitgn, oersgnit

iatuil wigtu bemdeaitg aeidiim wimf seoemirmwi dim tezit viatu- Seligm gtu imilgsi

lizkrim aeuimfim ùfi hirus dizit dgzeroimdgmfaim seciri hkrgpkmtil dim dgusihiaim

bgmgbil dui itiu tgfi zergkde lizkrim aeuimfim wimf dgimilgsi-


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Demfim imilgsi terhidiz iszea aeuimfim cilkm deogtur zghia oima bemfetihug

struatur aeoutuhim bkdil wimf iaim dgoimdgmfaim demfim stuatur zeraredgtim wimf

tersedgi, zrkszea aeuimfim cilkm deogtur dg bisi wimf iaim ditimf, oesir ogiwi usihi,

estgbisg dimi bisua biuzum aeluir dim ligm seoifigmwi-

Gmnkrbisg iaumtisg wimf beruziaim oifgim dilib gmnkrbisg aeuimfim seciri

aeseluruhim beruziaim gmnkrbisg wimf rele~im dim oerbimniit dilib beliauaim imilgsi

wimf iaim dgfumiaim seoifig disir dilib zemfiboglim aezutusim- Gmnkrbisg iaumtimsg

dilib zemfiboglim aezutusim iaim oerbimniit iziogli dizit beboimtu dilib zredgasg

itis aeìdgim bisi lilu, seairimf dim aeìdgim bisi dezim belilug zeribilim wimf tezit-

Gmnkrbisg aeuimfim iaim oerbimniit ogli bebemuhg airiatergstga auilgtitgn wimf

beruziaim cgrg ahis dilib bebouit gmnkrbisg bemfemig lizkrim aeuimfim sezertg wimf

terdizit dilib Stimdirt Iaumtimsg Aeuimfim (977705', wigtu 0

9- Dizit dgzihibg

Gmnkrbisg hirus dizit dgzihibg kleh ziri zebiaigmwi, dim dgmwitiaim dilib

oemtua dim gstglih wimf dgsesuigaim demfim oitis zemfertgim ziri zebiaig- Ziri

zebiaig dgisubsgaim bibglgag zemfetihuim wimf cuauz serti bebzumwig

aebiuim umtua bebzeliìrg gmnkrbisg demfim aeteaumim wimf viìr-

?- _ele~im

Gmnkrbisg wimf rele~im hirus bebemuhg aeoutuhim zebiaig dilib zrkses

zemfiboglim aezutusim- Suitu gmnkrbisg iaim oerauilgtis rele~im `gai dizit

bebzemfiruhg aezutusim eakmkbg zebiaig demfim beboimtu ziri zemffumi

bemfe~iluisg zergstgvi bisi lilu, bisi agmg itiu bisi dezim, bemefisaim itiu

bemfakreasg hisgl e~iluisg bereai dg bisi lilu-


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terseout dgliauaim demfim bemffumiaim zersemtise dgbimi silih situ zks dgtetizaim

zitkaim 9:: %-

Dilib beliauaim imilgsi ~ertgail terhidiz Merici, rubusmwi idilih 0

Mglig Zks x 9:: %

Mglig Tktil Iatg~i

44-74?-:7>

Mglig Zks x 9:: %

Mglig Zemùilim

x 9:: %56-863-8:7

2 66,>5

Sedimfaim dilib beliauaim imilgsi ~ertgail terhidiz Lioi+_ufg, rubusmwi idilih 0

3?9-54:-498

?- Imilgsi Hkrgpkmtil

x 9:: %339-873-8962 7>,88

Wigtu imilgsi zeroimdgmfim imtiri akbzkmem"akbzkmem aeuimfim dirg tihum ae

tihum wimf oertuùim umtua belghit oifigbimi tremd itiu aecemderumfim

zeruoihim aeuimfim dim kzerisg zerusihiim itiuzum zeruoihim risgk imtiri

gteb"gteb lizkrim aeuimfim dirg zergkde ae zergkde- Kleh airemi gtu imilgsi gmg

beboutuhaim lizkrim aeuimfim oeoerizi zergkde wimf aebudgim

dgzeroimdgmfaim dim dglghit aecemderumfim zeruoihimmwi dirg zergkde ae

zergkde dim aebudgim dizit dg imilgsi leogh limùt fumi bemfetihug

zemweoiomwi-

Dilib beliauaim imilgsi hkrgpkmtil terhidiz Merici, rubusmwi idilih 0

Mglig Zks Tihum GG x 9:: %


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Mglig Zks Tihum G

67-755-446

Zemùilim Tihum GG x 9:: %

Zemùilim Tihum G

x 9:: %56-863-8:7

2 938,95

Sedimfaim dilib beliauaim imilgsi hkrgpkmtil terhidiz Lioi _ufg, rubusmwi

idilih 0

469-45:-7>>

i- Imilgsgs Lioi+_ufg

x 9:: %339-873-896

2 94?,:4

Idizum ilit imilgsi wimf dgfumiaim oima dilib zeboergim aredgt idilih imilgsi

risgk aeuimfim- Imilgsgs risgk idilih imfai zeroimdgmfim imtiri akbzkmem"akbzkmem

merici demfim merici, akbzkmem merici demfim lioi+rufg dim zeroimdgmfim imtiri

sesibi akbzkmem lioi+rufg, wimf dguaur demfim stimdirt tertemtu umtua bemfetihug

iziaih akmdgsg aeuimfim zerusihiim terseout oiga itiu tgdia-

Ziri imilgsgs aredgt dg oima"oima zidi ububmwi bebnkausaim zemgligim imilgsgs

risgk seoifig oergaut 0

Imilgsgs zeroimdgmfim lioi+rufg dizit dgliauaim demfim imilgsgs hkrgpkmtil dim

imilgsgs ~ertgail- Wimf dgbiasud demfim imilgsgs zeroimdgmfim lioi+rufg

hkrgpkmtil idilih bebiaig zemùilim mettk, hirfi zkaka zemùilim dim umsur"

umsur lioi"rufg tihum seoelubmwi seoifig tihum disir demfim dgfumiaim imfai

9::%, sehgmffi zidi zksgsg tihum sesudihmwi aelghitim idimwi zemgmfaitim `gai

bemgmfait dim idimwi zemurumim `gai bemfilibg zemurumim-


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Sedimfaim umtua imilgsgs ~ertgail lioi+rufg, wimf dguaur idilih tktil

zemùilim mettk dirg tihum bisgmf"bisgmf demfim bemffumiaim imfai mktisg 9::%-

Imilgsgs gmg ùfi dgbiasudaim umtua belghit tgmfait engsgemsg zerusihiim dim

aebibzuim zerusihiim dilib bemfhisglaim lioi-

o- Imilgsgs Merici

Imilgsgs merici zerusihiim seciri terzergmcg bemffiboiraim aebibzuim

kzerisgkmil zerusihiim- Zeruoihim"zeruoihim aevi`goim zerusihiim hirus

dgimtgsgzisg demfim aebibzuim kzerisg usihi fumi bemfhisglaim irus ais seciri

gmterm-

Dg dilib bemfimilgsgs merici zerusihiim, idi ebzit iszea wimf zerlu dgmglig

tgmfait aeviìrimmwi, wigtu 0

9- Lgaugdgtis _isgk

Lgaugdgtis risgk beruziaim risgk"risgk wimf bemfuaur aebibzuim zerusihiim

umtua belumisg aevi`goim"aevi`goim ìmfai zemdeamwi wimf hirus seferi

dgoiwir-

@emgs"èmgs risgk terseout wigtu 0

Tktil iatg~i limcir

9' Curremt _itgk 2Tktil zisg~i limcir

Tktil iatg~i limcir " zersedgiim?' Yugca _itgk 2

Tktil Zisg~i Limcir

Ais dim seèmgsmwi

3' Cish _itgk 2Tktil Zisg~i Limcir


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?- Skl~ioglgtis _isgk

Wigtu bemfuaur seìuh bimi suitu zerusihiim dgoelimìg demfim hutimf"hutimf

itiu zeroimdgmfim imtiri dimi semdgrg demfim zghia aetgfi-

@emgs"èmgs skl~ioglgtis risgk idilih 0

Tktil Hutimf9' Deot tk Eyugtw 2

Tktil Bkdil (Eyugtw'

Tktil Iatg~i?' Issets tk Ioglgtw 2

Tktil Hutimf

3' Tgbes Gmterest Eirmed 2 Eirmgmf oenkre Gmterest imd Tix ( EOGT '

(Ck~erife _itgk' Gmterest

3- Ictg~gtw _isgk ( Iatg~gtis '

Wigtu bemfuaur seoerizi eneatgn zerusihiim bebimniitaim suboer diwi wimf idi

(reskurces' zidi zemfemdilgimmwi-

@emgs"èmgs risgk iatg~gtis idilih 0

_iti"riti Ais9' Cish êlkcgtw 2 x Zergkde Zemùilim

Tktil Zemùilim

_iti"riti Ais x Zergkde Zemùilim?' I~erife Ckllectgkm 2

Zergkd Tktil Zemùilim

_iti"riti zersedgiim3' Gm~emtkrw Turm K~er 2 x Zergkde Zemùilim

Hirfi zkaka oirimfwimf dgùil (CKFS'

4- Zrkngtioglgtw _isgk


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Wigtu bemfuaur aebibzuim zerusihiim dilib bemfhisglaim lioi dirg oeroifig

aeogìaim dim aezutusim wimf telih dgibogl-

@emgs"èmgs risgk zrkngtioglgtis idilih 0

Lioi setelih Ziìa (EIT'9' Zrkngt Birfgm 2

Tktil Zemùilim

Lioi setelih Ziìa (EIT'?' _eturm km Issets 2

Tktil IssetsLioi setelih Ziìa (EIT'

3' _eturm km Eyugtw 2Tktil Eyugtw

Dirg imilgs risgk dgitis dizit dgaetihug dim dgmglig akmdgsg aeuimfim

zerusihiim oerdisiraim lizkrim aeuimfim wimf telih dgsibzigaim, iziaih dilib

aeidiim oiga itiu sehit, cuauz oiga itiuzum dilib akmdgsg wimf aurimf itiu tgdia oiga

sehgmffi dizit terlghit iziaih zerusihiim wimf oersimfautim bemdizitaim aredgt itiu

tgdia-

c- Imilgsgs irus ais

Imilgsgs irus ais bemcerbgmaim aelimfsumfim kzerisgkmil usihi dirg

zerzutirim rkdi ogsmgsmwi- Demfim sebiagm bemgmfait tgmfait zemùilim biai

aeterfimtumfim iaim lgaugdgtis usihi iaim sebiagm oesir-

Aeterfimtumfim lgaugdgtis usihi gmg temtu tgdia terlezis dirg dimi zghia luir

siì, bgsilmwi zgmìbim oima, tetizg ùfi terfimtumf dirg dimi gmterm zerusihiim seoifig

hisgl zemdizitim usihimwi-

Tgmfait aesehitim usihi simfit dgtemtuaim dirg lgaugdgtis zerusihiim umtua

bebemuhg aevi`goim zerusihiim dilib dimi ìmfai zemdea- Umtua gtu `gai zerusihiim


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bisgh simfit terfimtumf demfim dimi zghia aetgfi, biai zerlu dgcurgfig idimwi

aebumfagmim ter`idgmwi aeokckrim uimf ais dirg zerusihiim terseout- Wimf dizit

dgseoioaim kleh airemi aesilihim gm~estisg dg ogdimf usihi wimf ligm- Oima hirus `elg

dim hitg"hitg dilib bemfimilgsgs lizkrim irus ais cilkm misioih, fumi bemfimilgsgs

aecuauzim tersedgimwi dimi lgaugd terseout-


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I- Tgmìuim Zemelgtgim Terdihulu

Zemelgtg @udul Hisgl Zemelgtgim

Emtw E~isirgH- I

Sgbimùmtia

Imilgsi LizkrimAeuimfim Umtua

Zemfiboglim AezutusimZeboergim Aredgt ( StudgAisus zidi ZT- Oima_iawit Gmdkmesgi (Zerserk'' (?::4'

9-Zemwerihim lizkrimaeuimfim zerusihiim aezidi

oima idilih beruziaimswirit butlia wimf hirusdgzemuhg kleh misioihiziogli gmfgm bemfiùaimzerbkhkmim aredgt zidioima

?-Zerimim imilgsi lizkrimaeuimfim dg dilib zrkseszeboergim aredgt aezidimisioih simfit oesir dimzemtgmf airemi lizkrim

aeuimfim terseout dizit dgaetihug iszea aeuimfim dirgmisioih oersimfautim-


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^G- Aerimfai Akmseztuil

Aredgt wimf iaim dgoergaim kleh oima dgfumiaim seoifig tiboihim bkdil fumi

beliauaim easzimsg usihimwi- Seoelub aredgt gtu dgoergaim kleh oima aezidi suitu

zerusihiim, oima terseout beboergaim swirit"swirit wimf hirus dgzemuhg serti

beliauaim imilgsgs"imilgsgs bemwimfaut zeruoihim terseout-

Lizkrim aeuimfim beruziaim silih situ niatkr wimf dglghit dim `ufi seoifig

zememtu kleh zghia oima dilib zeboergim aezutusim aredgt-Icckumt Knngcerseliau zghia

oima bebergasi zerswiritim"zerswiritim aredgt wimf silih situmwi idilih lizkrim

Zerbkhkmim

Aredgt kleh cilkmDeogtur

Imilgsi Lizkrim

Imilgsi Auilgtitgn" Iszea bimi`ebem zerusihiim" Iszea lefilgtis zerusihiim

" Iszea ifumim" Iszea zebisirim

Imilgsi Auimtgtitgn9- _isgk Lgaugdgtis?- _isgk Zrkngtioglgtis

3- _isgk Skl~ioglgtis4- _isgk Iatg~gtis

Aezutusim

Betkde Hkrgpkmtil


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aeuimfim misioih- Setelih lizkrim aeuimfim dgzergasi, biai oima oiru dizit

beboergaim aezutusim iziaih misioih terseout liwia itiu tgdia dgoergaim aredgt-

Demfim belghit dim bemglig lizkrim aeuimfim suitu zerusihiim, biai oima dizit

bemfetihug sehit itiu tgdiamwi zerusihiim terseout- Dilib zemelgtgim gmg lizkrim

aeuimfim zerusihiim bebzumwig zerimim dilib zeboergim aezutusim aredgt kleh oima-

@idg lizkrim aeuimfim zerusihiim dgzerluaim kleh oima dilib bemwiluraim aredgtmwi

itiu fumi bebemuhg aeoutuhim gmnkrbisg zghia eastermil biuzum gmtermil bemfemig

zerusihiim- Dilib beliauaim imilgsi aredgt oima beliauaim imilgsi auilgtitgn dim

auimtgtitgn- Zidi imilgsi auilgtitgn dg`elisaim oifigbimi zrksedur umtua bemfi`uaim

zrkzksil aredgt sesuig demfim aetemtuim zidi Oima Bimdgrg- Sedimfaim zidi imilgsi

auimtgtitgn bemffumiaim rubus"rubus risgk aeuimfim seciri hkrgpkmtil-


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OIO GGG

BETKDE ZEMELGTGIM

I- @emgs Zemelgtgim

9- @emgs zemelgtgim wimf dgliauaim idilih zemelgtgim easzlkgtisg wigtu zemelgtgim wimf

oertuùim umtua bemèlisaim aeidiim dim airiatergstga seoemirmwi dirg suitu

koèa zemelgtgim oerdisiraim gmnkrbisg wimf dgzerkleh-

?- Oitisim Zemelgtgim

Oitisim zemelgtgim wimf zemulgs tetizaim wigtu teroitis zidi gmnkrbisg lizkrim

lioi+rufg dim gmnkrbisg merici-

O- @emgs Diti

@emgs diti wimf dgfumiaim zemulgs idilih 0

i- Diti zrgber, wigtu diti wimf dgzerkleh dirg koèa zemelgtgim wimf dilib hil gmg

idilih Ckbbercgil Oimagmf Cemter Bedim ZT- Oima Bimdgrg Toa seciri

limfsumf belilug teamga vivimciri biuzum koser~isg fumi bemdizitaim

ìvioim itis zerbisilihim wimf dgtelgtg, aebudgim dgklih leogh limùt-

o- Diti Seaumder, wigtu diti wimf dgzerkleh dirg zerusihiim dim diti terseout sudih

dgklih dim terdkaubemtisg dg zerusihiim, sezertg seìrih sgmfait zerusihiim,

struatur krfimgsisg zerusihiim, lizkrim aeuimfim, dim seoifigmwi-

C- Teamga Zemfubzulim Diti

Ciri zemulgs dilib bemfubzulaim diti dgoediaim bemìdg 0


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i- Teamga vivimciri, wigtu zemulgs beliauaim serimfaigim timwi ìvio itiu

vivimciri seciri limfsumf demfim zghia zerusihiim sezertg zidi zgbzgmim dim

airwivim"airwivim ligm wimf oerhuoumfim demfim koèa zemelgtgim+

o- Teamga koser~isg, wigtu bemfidiaim zemfibitim seciri limfsumf itiu tgdia

limfsumf terhidiz iatgngtis zerusihiim- Dilib hil gmg, zemulgs beliauaim

zemfibitim terhidiz diti seaumder wimf dgzerkleh dirg Ckbbercgil Oimagmf

Cemter Bedim ZT- Oima Bimdgrg, Toa oeruzi lizkrim aeuimfim zidi ZT-

Dirbisgmdk Gmtg airet

c- Zemelgtgim aezustiaiim

Zemelgtgim aezustiaiim dgzerluaim umtua bebecihaim bisilih zemelgtgim ifir

dizt bemdeaitg aeoemirim- Dgliauaim demfim ciri bemfubzulaim tekrg"tekrg

wimf rele~im demfim tkzga zemelgtgim, belgzutg ouau"ouau lgteritur, biìlih"

biìlih serti suboer"suboer ligm wimf dizit belemfaizg zemelgtgim wimf dgoihis-

D- Betkde Imilgsgs Diti

9- Betkde Imilgsgs desargztgn"studg aisus wigtu demfim bebecihaim aisus demfim

bemffumiaim imilgsi risgk aeuimfim dilib bemglig agmerì zerusihiim zidi ZT- Oima

Bimdgrg, Toa Bedim tihum ?::5, ?::>, ?::6

?- Imilgsgs dgliauaim demfim be

Documents

PENGARUH ANALISA KINERJA KEUANGAN PERUSAHAAN UNTUK KEPUTUSAN PEMBERIAN KREDIT ( STUDI KASUS PEMBERIAN KREDIT DI PT. BANK MANDIRI, TBK. )