{"id":5775,"date":"2025-08-05T19:49:56","date_gmt":"2025-08-05T16:49:56","guid":{"rendered":"https:\/\/nehorizon-s.net\/?p=5775"},"modified":"2025-08-16T00:55:23","modified_gmt":"2025-08-15T21:55:23","slug":"%d8%a7%d9%84%d9%86%d8%b8%d8%a7%d9%85-%d8%a7%d9%84%d9%85%d8%b5%d8%b1%d9%81%d9%8a-%d8%a7%d9%84%d8%b3%d9%88%d8%af%d8%a7%d9%86%d9%8a-%d8%a7%d9%84%d8%a7%d8%ae%d8%aa%d9%84%d8%a7%d9%84%d8%a7%d8%aa%d8%8c","status":"publish","type":"post","link":"https:\/\/nehorizon-s.net\/?p=5775","title":{"rendered":"\u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0627\u0644\u0633\u0648\u062f\u0627\u0646\u064a.. \u0627\u0644\u0627\u062e\u062a\u0644\u0627\u0644\u0627\u062a\u060c \u0648\u0631\u0624\u064a\u0629 \u0634\u0627\u0645\u0644\u0629 \u0644\u0644\u0625\u0635\u0644\u0627\u062d \u0648\u0627\u0644\u0647\u064a\u0643\u0644\u0629"},"content":{"rendered":"

\"\u0639\u0645\u0631<\/p>\n

\u0639\u0645\u0631 \u0633\u064a\u062f \u0623\u062d\u0645\u062f<\/strong><\/p>\n

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o.sidahmed09@gmail.com<\/strong><\/p>\n

\u0645\u0642\u062f\u0645\u0629<\/strong><\/p>\n

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\u00a0. \u0641\u0642\u062f\u0627\u0646 \u0627\u0644\u062b\u0642\u0629 \u0648\u0627\u0644\u0633\u064a\u0648\u0644\u0629<\/span><\/p>\n

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\u0645\u0646\u0630 \u0645\u0646\u062a\u0635\u0641 \u062a\u0633\u0639\u064a\u0646\u064a\u0627\u062a \u0627\u0644\u0642\u0631\u0646 \u0627\u0644\u0645\u0627\u0636\u064a\u060c \u062a\u062c\u0627\u0647\u0644 \u0628\u0646\u0643 \u0627\u0644\u0633\u0648\u062f\u0627\u0646 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0623\u062f\u0648\u0627\u062a \u0627\u0644\u0633\u064a\u0627\u0633\u0629 \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0627\u0644\u0645\u0639\u0631\u0648\u0641\u0629 \u0639\u0627\u0644\u0645\u064a\u064b\u0627\u060c \u0645\u062b\u0644:<\/span><\/p>\n

\u0633\u0639\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629.<\/span><\/p>\n

\u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0637\u064a \u0627\u0644\u0625\u0644\u0632\u0627\u0645\u064a.<\/span><\/p>\n

\u0633\u0639\u0631 \u0627\u0644\u062e\u0635\u0645.<\/span><\/p>\n

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\u062b\u0627\u0646\u064a\u064b\u0627: \u0627\u0644\u0645\u0634\u0643\u0644\u0627\u062a \u0648\u0627\u0644\u0627\u062e\u062a\u0644\u0627\u0644\u0627\u062a \u0627\u0644\u0628\u0646\u064a\u0648\u064a\u0629 \u0644\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0635\u0631\u0641\u064a<\/span><\/p>\n

\u0645\u0642\u0627\u0631\u0646\u0629 \u0625\u0642\u0644\u064a\u0645\u064a\u0629 \u2013 \u0623\u064a\u0646 \u064a\u0642\u0641 \u0627\u0644\u0633\u0648\u062f\u0627\u0646 \u0645\u0646 \u0645\u062d\u064a\u0637\u0647 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u061f<\/span><\/p>\n

\u0644\u0645\u0639\u0631\u0641\u0629 \u062d\u062c\u0645 \u0627\u0644\u0627\u062e\u062a\u0644\u0627\u0644 \u0641\u064a \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0627\u0644\u0633\u0648\u062f\u0627\u0646\u064a\u060c \u0645\u0646 \u0627\u0644\u0636\u0631\u0648\u0631\u064a \u0639\u0642\u062f \u0645\u0642\u0627\u0631\u0646\u0629 \u0645\u0639 \u0628\u0644\u062f\u0627\u0646 \u0625\u0642\u0644\u064a\u0645\u064a\u0629 \u0630\u0627\u062a \u0638\u0631\u0648\u0641 \u0645\u0634\u0627\u0628\u0647\u0629 \u0645\u062b\u0644: \u0625\u062b\u064a\u0648\u0628\u064a\u0627\u060c \u0643\u064a\u0646\u064a\u0627\u060c \u0645\u0635\u0631\u060c \u0648\u0631\u0648\u0627\u0646\u062f\u0627\u060c \u0648\u0630\u0644\u0643 \u0648\u0641\u0642 \u0627\u0644\u0645\u062d\u0627\u0648\u0631 \u0627\u0644\u062a\u0627\u0644\u064a\u0629:<\/span><\/p>\n

\u0643\u0641\u0627\u064a\u0629 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0644\u0644\u0628\u0646\u0648\u0643:<\/span><\/p>\n

\u0627\u0644\u062f\u0648\u0644\u0629<\/span><\/p>\n

\u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0644\u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0644\u0644\u0628\u0646\u0643 \u0627\u0644\u062a\u062c\u0627\u0631\u064a<\/span><\/p>\n

\u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0628\u0627\u0632\u0644 3<\/span><\/p>\n

\u0627\u0644\u0633\u0648\u062f\u0627\u0646<\/span><\/p>\n

10 \u0645\u0644\u0627\u064a\u064a\u0646 \u062f\u0648\u0644\u0627\u0631 (\u063a\u064a\u0631 \u0645\u0641\u0631\u0648\u0636 \u0628\u0635\u0631\u0627\u0645\u0629)<\/span><\/p>\n

\u063a\u064a\u0631 \u0645\u0637\u0628\u0642<\/span><\/p>\n

\u0643\u064a\u0646\u064a\u0627<\/span><\/p>\n

25 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631<\/span><\/p>\n

\u0645\u0637\u0628\u0642 \u062c\u0632\u0626\u064a\u064b\u0627<\/span><\/p>\n

\u0645\u0635\u0631<\/span><\/p>\n

150 \u0645\u0644\u064a\u0648\u0646 \u062c\u0646\u064a\u0647 \u0645\u0635\u0631\u064a (\u22489.5 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631)<\/span><\/p>\n

\u0645\u0637\u0628\u0642 \u0628\u0627\u0644\u0643\u0627\u0645\u0644<\/span><\/p>\n

\u0625\u062b\u064a\u0648\u0628\u064a\u0627<\/span><\/p>\n

75 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631<\/span><\/p>\n

\u063a\u064a\u0631 \u0645\u0637\u0628\u0642<\/span><\/p>\n

\u0631\u0648\u0627\u0646\u062f\u0627<\/span><\/p>\n

15 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631<\/span><\/p>\n

\u0645\u0637\u0628\u0642<\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u062c\u0645\u0644\u0629 \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 (2022\/2023)<\/span><\/p>\n

\u0627\u0644\u062f\u0648\u0644\u0629<\/span><\/p>\n

\u0625\u062c\u0645\u0627\u0644\u064a \u0623\u0635\u0648\u0644 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0635\u0631\u0641\u064a (\u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631)<\/span><\/p>\n

\u0646\u0633\u0628\u0629 \u0627\u0644\u0623\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u0646\u0627\u062a\u062c \u0627\u0644\u0645\u062d\u0644\u064a (%)<\/span><\/p>\n

\u0627\u0644\u0633\u0648\u062f\u0627\u0646<\/span><\/p>\n

\u224812 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631<\/span><\/p>\n

20% \u062a\u0642\u0631\u064a\u0628\u064b\u0627<\/span><\/p>\n

\u0643\u064a\u0646\u064a\u0627<\/span><\/p>\n

60 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631<\/span><\/p>\n

45%<\/span><\/p>\n

\u0645\u0635\u0631<\/span><\/p>\n

470 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631<\/span><\/p>\n

70%<\/span><\/p>\n

\u0625\u062b\u064a\u0648\u0628\u064a\u0627<\/span><\/p>\n

45 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631<\/span><\/p>\n

25%<\/span><\/p>\n

\u0631\u0648\u0627\u0646\u062f\u0627<\/span><\/p>\n

4.5 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631<\/span><\/p>\n

30%<\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u0627\u0644\u0645\u0644\u0627\u062d\u0638\u0629: \u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0641\u064a \u0627\u0644\u0633\u0648\u062f\u0627\u0646 \u0645\u062d\u062f\u0648\u062f\u0629 \u062c\u062f\u064b\u0627 \u0645\u0642\u0627\u0631\u0646\u0629\u064b \u062d\u062a\u0649 \u0628\u062f\u0648\u0644 \u0623\u0642\u0644 \u0641\u064a \u0627\u0644\u0646\u0627\u062a\u062c \u0627\u0644\u0645\u062d\u0644\u064a \u0645\u062b\u0644 \u0631\u0648\u0627\u0646\u062f\u0627\u060c \u0645\u0627 \u064a\u062f\u0644 \u0639\u0644\u0649 \u0636\u0639\u0641 \u0642\u062f\u0631\u062a\u0647 \u0639\u0644\u0649 \u062a\u0639\u0628\u0626\u0629 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0648\u062a\u0648\u0633\u064a\u0639 \u0627\u0644\u0646\u0634\u0627\u0637 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a.<\/span><\/p>\n

\u00a0\u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a (\u0648\u0641\u0642\u064b\u0627 \u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u062f\u0648\u0644\u064a):<\/span><\/p>\n

\u0631\u0648\u0627\u0646\u062f\u0627<\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u0627\u0644\u062f\u0648\u0644\u0629<\/span><\/p>\n

\u0646\u0633\u0628\u0629 \u0627\u0644\u0628\u0627\u0644\u063a\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u064a\u0645\u0644\u0643\u0648\u0646 \u062d\u0633\u0627\u0628\u0627\u062a \u0645\u0635\u0631\u0641\u064a\u0629 (2021)<\/span><\/p>\n

\u0627\u0644\u0633\u0648\u062f\u0627\u0646<\/span><\/p>\n

7%<\/span><\/p>\n

\u0643\u064a\u0646\u064a\u0627<\/span><\/p>\n

83%<\/span><\/p>\n

\u0645\u0635\u0631<\/span><\/p>\n

64%<\/span><\/p>\n

\u0625\u062b\u064a\u0648\u0628\u064a\u0627<\/span><\/p>\n

45%<\/span><\/p>\n

\u0631\u0648\u0627\u0646\u062f\u0627<\/span><\/p>\n

68%<\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u0627\u0644\u0645\u0644\u0627\u062d\u0638\u0629: \u0627\u0644\u0633\u0648\u062f\u0627\u0646 \u064a\u0623\u062a\u064a \u0641\u064a \u0630\u064a\u0644 \u0627\u0644\u0642\u0627\u0626\u0645\u0629\u060c \u0645\u0627 \u064a\u0624\u0643\u062f \u0639\u0632\u0644\u0629 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0639\u0646 \u0642\u0637\u0627\u0639\u0627\u062a \u0648\u0627\u0633\u0639\u0629 \u0645\u0646 \u0627\u0644\u0633\u0643\u0627\u0646\u060c \u0648\u063a\u064a\u0627\u0628 \u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0644\u0644\u0646\u0633\u0627\u0621 \u0648\u0627\u0644\u0634\u0628\u0627\u0628 \u0648\u0627\u0644\u0645\u0646\u0627\u0637\u0642 \u0627\u0644\u0631\u064a\u0641\u064a\u0629.<\/span><\/p>\n

\u0646\u0642\u0635 \u0643\u0641\u0627\u064a\u0629 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0648\u0636\u0639\u0641 \u0627\u0644\u062d\u0648\u0643\u0645\u0629:<\/strong><\/p>\n

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17 \u0625\u062f\u0627\u0631\u0629 \u0639\u0627\u0645\u0629 \u062a\u062a\u0641\u0631\u0651\u0639 \u0639\u0646\u0647\u0627 37 \u0625\u062f\u0627\u0631\u0629 \u062a\u0646\u0641\u064a\u0630\u064a\u0629\u060c \u062f\u0648\u0646 \u0627\u062d\u062a\u0633\u0627\u0628 \u0645\u0643\u062a\u0628 \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0648\u0646\u0627\u0626\u0628\u064a\u0647\u060c \u0648\u0627\u0644\u0647\u064a\u0626\u0629 \u0627\u0644\u0639\u0644\u064a\u0627 \u0644\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0634\u0631\u0639\u064a\u0629\u060c \u0648\u0627\u0644\u0633\u0643\u0631\u062a\u0627\u0631\u064a\u0629\u060c \u0648\u0645\u0627 \u064a\u062a\u0628\u0639\u0647\u0645 \u0645\u0646 \u0648\u062d\u062f\u0627\u062a.<\/span><\/p>\n

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\u062c\u0630\u0631\u064a\u0629 \u0644\u0643\u0627\u0645\u0644 \u0627\u0644\u0645\u0646\u0638\u0648\u0645\u0629\u060c \u062a\u0628\u062f\u0623 \u0628\u0625\u0639\u0627\u062f\u0629 \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u062e\u0635\u062e\u0635\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629\u060c \u0648\u062a\u0641\u0639\u064a\u0644 \u062f\u0648\u0631 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0643\u062c\u0647\u0627\u0632 \u0631\u0642\u0627\u0628\u064a \u0645\u0633\u062a\u0642\u0644\u060c \u0648\u0625\u0646\u0634\u0627\u0621 \u0647\u064a\u0626\u0629 \u0642\u0648\u0645\u064a\u0629 \u0645\u0633\u062a\u0642\u0644\u0629 \u0644\u0645\u0643\u0627\u0641\u062d\u0629 \u0627\u0644\u0641\u0633\u0627\u062f \u0641\u064a \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0627\u0644\u064a.<\/span><\/p>\n

\u0625\u0635\u0644\u0627\u062d \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u2013 \u062e\u0631\u064a\u0637\u0629 \u0637\u0631\u064a\u0642 \u0645\u062a\u0643\u0627\u0645\u0644\u0629<\/span><\/p>\n

\u0623. \u0625\u0635\u0644\u0627\u062d \u0628\u0646\u0643 \u0627\u0644\u0633\u0648\u062f\u0627\u0646 \u0627\u0644\u0645\u0631\u0643\u0632\u064a<\/span><\/p>\n

\u0625\u0644\u063a\u0627\u0621 \u0642\u0627\u0646\u0648\u0646 \u0628\u0646\u0643 \u0627\u0644\u0633\u0648\u062f\u0627\u0646 \u0644\u0639\u0627\u0645 2002 \u0648\u062a\u0628\u0646\u064a \u0642\u0627\u0646\u0648\u0646 \u062c\u062f\u064a\u062f \u064a\u0633\u062a\u0644\u0647\u0645 \u062a\u062c\u0631\u0628\u0629 \u0642\u0627\u0646\u0648\u0646 1959\u060c \u0648\u064a\u0631\u0633\u062e \u0627\u0633\u062a\u0642\u0644\u0627\u0644\u064a\u0629 \u0627\u0644\u0628\u0646\u0643\u060c \u0648\u064a\u0641\u0635\u0644 \u0628\u064a\u0646 \u0645\u0647\u0627\u0645\u0647 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a\u0629 \u0648\u0627\u0644\u0631\u0642\u0627\u0628\u064a\u0629.<\/span><\/p>\n

\u062a\u0639\u064a\u064a\u0646 \u0645\u062c\u0644\u0633 \u0625\u062f\u0627\u0631\u0629 \u0648\u0645\u062d\u0627\u0641\u0638 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0627\u0644\u0633\u0644\u0637\u0629 \u0627\u0644\u062a\u0634\u0631\u064a\u0639\u064a\u0629 \u0627\u0644\u0645\u0646\u062a\u062e\u0628\u0629\u060c \u0644\u0636\u0645\u0627\u0646 \u0627\u0633\u062a\u0642\u0644\u0627\u0644\u064a\u0629 \u0627\u0644\u0628\u0646\u0643 \u0639\u0646 \u0627\u0644\u0633\u0644\u0637\u0629 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a\u0629.<\/span><\/p>\n

\u062a\u0642\u0644\u064a\u0635 \u0647\u064a\u0643\u0644 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0625\u062f\u0627\u0631\u064a \u0648\u0627\u0644\u0648\u0638\u064a\u0641\u064a \u0628\u0645\u0627 \u064a\u062a\u0646\u0627\u0633\u0628 \u0645\u0639 \u0637\u0628\u064a\u0639\u0629 \u0648\u0638\u064a\u0641\u062a\u0647 \u0643\u0645\u0624\u0633\u0633\u0629 \u0646\u0642\u062f\u064a\u0629 \u0633\u064a\u0627\u062f\u064a\u0629.<\/span><\/p>\n

\u0625\u0644\u063a\u0627\u0621 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0627\u0628\u0639\u0629 \u0645\u062b\u0644 “\u0627\u0644\u0633\u0648\u062f\u0627\u0646 \u0644\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629” \u0648\u062f\u0645\u062c \u0645\u0647\u0627\u0645\u0647\u0627 \u062f\u0627\u062e\u0644 \u0627\u0644\u0647\u064a\u0643\u0644 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a.<\/span><\/p>\n

\u062a\u0637\u0648\u064a\u0631 \u0623\u062f\u0648\u0627\u062a \u0627\u0644\u0633\u064a\u0627\u0633\u0629 \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629: \u0643\u0627\u0644\u0641\u0627\u0626\u062f\u0629\u060c \u0633\u0639\u0631 \u0627\u0644\u062e\u0635\u0645\u060c \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629\u060c \u0648\u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0637\u064a \u0627\u0644\u0625\u0644\u0632\u0627\u0645\u064a.<\/span><\/p>\n

\u0628. \u0625\u0635\u0644\u0627\u062d \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629<\/span><\/p>\n

\u0631\u0641\u0639 \u0643\u0641\u0627\u064a\u0629 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0648\u0641\u0642\u064b\u0627 \u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0628\u0627\u0632\u0644\u060c \u0639\u0628\u0631:<\/span><\/p>\n

\u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u0631\u0633\u0645\u0644\u0629.<\/span><\/p>\n

\u0627\u0644\u062f\u0645\u062c \u0628\u064a\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0639\u062b\u0631\u0629.<\/span><\/p>\n

\u062f\u062e\u0648\u0644 \u0627\u0644\u062f\u0648\u0644\u0629 \u0643\u0634\u0631\u064a\u0643 \u0641\u064a \u0628\u0646\u0648\u0643 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629.<\/span><\/p>\n

\u0645\u0631\u0627\u062c\u0639\u0629 \u0643\u0627\u0645\u0644\u0629 \u0644\u062e\u0635\u062e\u0635\u0629 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062d\u0643\u0648\u0645\u064a\u0629\u060c \u0648\u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0623\u0633\u0647\u0645 \u0627\u0644\u062f\u0648\u0644\u0629 \u0645\u062a\u0649 \u0645\u0627 \u062b\u0628\u062a \u0648\u062c\u0648\u062f \u062a\u062c\u0627\u0648\u0632\u0627\u062a.<\/span><\/p>\n

\u062a\u0635\u0641\u064a\u0629 \u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0623\u0633\u0647\u0645 \u0648\u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0627\u0644\u0628\u0646\u0648\u0643\u060c \u0648\u0625\u0644\u063a\u0627\u0621 \u0623\u0646\u0634\u0637\u062a\u0647\u0627 \u062e\u0627\u0631\u062c \u0645\u0647\u0627\u0645\u0647\u0627 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629.<\/span><\/p>\n

\u0625\u0639\u0627\u062f\u0629 \u062a\u0623\u0633\u064a\u0633 \u0645\u0635\u0627\u0631\u0641 \u062a\u0646\u0645\u0648\u064a\u0629 \u0645\u062a\u062e\u0635\u0635\u0629 \u0641\u064a \u0627\u0644\u0632\u0631\u0627\u0639\u0629\u060c \u0627\u0644\u0635\u0646\u0627\u0639\u0629\u060c \u0627\u0644\u0639\u0642\u0627\u0631\u060c \u0648\u0627\u0644\u062a\u0635\u062f\u064a\u0631.<\/span><\/p>\n

\u062c. \u0627\u0644\u0625\u0635\u0644\u0627\u062d \u0627\u0644\u062a\u0634\u0631\u064a\u0639\u064a \u0648\u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a<\/span><\/p>\n

\u062a\u0648\u062d\u064a\u062f \u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629: \u0639\u0628\u0631 \u062f\u0645\u062c \u0642\u0648\u0627\u0646\u064a\u0646 \u0628\u0646\u0643 \u0627\u0644\u0633\u0648\u062f\u0627\u0646\u060c \u0627\u0644\u0648\u062f\u0627\u0626\u0639\u060c \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0628\u0627\u0644\u0646\u0642\u062f\u060c \u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644\u060c \u0627\u0644\u0635\u0631\u0627\u0641\u0627\u062a\u060c \u0641\u064a \u0642\u0627\u0646\u0648\u0646 \u0634\u0627\u0645\u0644.<\/span><\/p>\n

\u0625\u0644\u063a\u0627\u0621 \u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0627\u0644\u0633\u0646\u0648\u064a\u0629 \u063a\u064a\u0631 \u0627\u0644\u0645\u0633\u062a\u0642\u0631\u0629 \u0644\u0628\u0646\u0643 \u0627\u0644\u0633\u0648\u062f\u0627\u0646\u060c \u0648\u0627\u0633\u062a\u0628\u062f\u0627\u0644\u0647\u0627 \u0628\u0640 5 \u0643\u062a\u064a\u0628\u0627\u062a \u062a\u0639\u0644\u064a\u0645\u0627\u062a \u062a\u0646\u0641\u064a\u0630\u064a\u0629 \u064a\u062a\u0645 \u062a\u062d\u062f\u064a\u062b\u0647\u0627 \u0643\u0644 \u062e\u0645\u0633 \u0633\u0646\u0648\u0627\u062a.<\/span><\/p>\n

\u0636\u0645\u0627\u0646 \u062d\u0645\u0627\u064a\u0629 \u0648\u062f\u0627\u0626\u0639 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0628\u0642\u0627\u0646\u0648\u0646 \u0635\u0631\u064a\u062d\u060c \u0648\u0644\u064a\u0633 \u0645\u062c\u0631\u062f “\u0635\u0646\u062f\u0648\u0642 \u0636\u0645\u0627\u0646 \u062a\u0643\u0627\u0641\u0644\u064a” \u0643\u0645\u0627 \u0647\u0648 \u0627\u0644\u0648\u0636\u0639 \u0627\u0644\u062d\u0627\u0644\u064a.<\/span><\/p>\n

\u062f. \u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a<\/span><\/p>\n

\u062f\u0639\u0645 \u0648\u062a\u0648\u0633\u064a\u0639 \u0646\u0638\u0645 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0639\u0628\u0631 \u0634\u0631\u0643\u0627\u062a \u0648\u0637\u0646\u064a\u0629 \u062d\u062f\u064a\u062b\u0629 \u0648\u0645\u0633\u062a\u0642\u0644\u0629.<\/span><\/p>\n

\u0625\u062a\u0627\u062d\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0639\u0628\u0631 \u0627\u0644\u0647\u0648\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644\u0629 \u0639\u0644\u0649 \u063a\u0631\u0627\u0631 M-Pesa \u0627\u0644\u0643\u064a\u0646\u064a\u0629.<\/span><\/p>\n

\u0631\u0628\u0637 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0628\u0642\u0627\u0639\u062f\u0629 \u0628\u064a\u0627\u0646\u0627\u062a \u0645\u0648\u062d\u062f\u0629 \u0644\u0644\u0633\u062c\u0644 \u0627\u0644\u0645\u062f\u0646\u064a \u0648\u0627\u0644\u062a\u062c\u0627\u0631\u064a \u0644\u062a\u0633\u0647\u064a\u0644 \u0627\u0644\u0648\u0635\u0648\u0644 \u0644\u0644\u0645\u0648\u0627\u0637\u0646\u064a\u0646 \u0648\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0631.<\/span><\/p>\n

\u0647\u0640. \u0625\u0639\u0627\u062f\u0629 \u0647\u064a\u0643\u0644\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0623\u0635\u063a\u0631 \u0648\u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a<\/span><\/p>\n

\u062f\u0645\u062c \u0643\u0644 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0623\u0635\u063a\u0631 \u0641\u064a \u0645\u0624\u0633\u0633\u0629 \u0648\u0637\u0646\u064a\u0629 \u0648\u0627\u062d\u062f\u0629 \u0628\u0631\u0623\u0633\u0645\u0627\u0644 \u0643\u0628\u064a\u0631\u060c \u0648\u062a\u062d\u062a \u0625\u0634\u0631\u0627\u0641 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a.<\/span><\/p>\n

\u0625\u0644\u063a\u0627\u0621 \u0634\u0631\u0637 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u062c\u0628\u0627\u0631\u064a \u0644\u0644\u0623\u0641\u0631\u0627\u062f \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629\u060c \u0648\u0625\u0639\u0627\u062f\u0629 \u062a\u0648\u062c\u064a\u0647 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0646\u062d\u0648 \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a \u0627\u0644\u0625\u0646\u062a\u0627\u062c\u064a\u0629.<\/span><\/p>\n

\u0631\u0627\u0628\u0639\u064b\u0627: \u0627\u0644\u0625\u0635\u0644\u0627\u062d \u0641\u064a \u0633\u064a\u0627\u0642 \u0645\u0627 \u0628\u0639\u062f \u0627\u0644\u062d\u0631\u0628 \u2013 \u0627\u0644\u0636\u0631\u0648\u0631\u0627\u062a \u0648\u0627\u0644\u062a\u062d\u0648\u0644\u0627\u062a<\/span><\/p>\n

\u062a\u0635\u0641\u064a\u0629 \u0634\u0647\u0627\u062f\u0627\u062a \u0634\u0647\u0627\u0645\u0629 \u0648\u0627\u0644\u0623\u062f\u0648\u0627\u062a \u0627\u0644\u0645\u0634\u0627\u0628\u0647\u0629 \u062a\u062f\u0631\u064a\u062c\u064a\u064b\u0627\u060c \u0648\u0627\u0639\u062a\u0645\u0627\u062f \u0623\u062f\u0648\u0627\u062a \u0627\u0644\u0633\u064a\u0627\u0633\u0629 \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0629.<\/span><\/p>\n

\u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0644\u0644\u0628\u0646\u0648\u0643 \u0644\u062a\u062e\u0641\u064a\u0641 \u0623\u0632\u0645\u0629 \u0627\u0644\u0633\u064a\u0648\u0644\u0629.<\/span><\/p>\n

\u0627\u0633\u062a\u0639\u0627\u062f\u0629 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0645\u0646\u0647\u0648\u0628\u0629 \u0641\u064a \u0627\u0644\u062f\u0627\u062e\u0644 \u0648\u0627\u0644\u062e\u0627\u0631\u062c\u060c \u0648\u0645\u0631\u0627\u062c\u0639\u0629 \u0639\u0644\u0627\u0642\u0627\u062a \u0627\u0644\u0628\u0646\u0648\u0643 \u0628\u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0623\u062c\u0646\u0628\u064a \u0648\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0627\u0644\u0645\u063a\u062a\u0631\u0628\u064a\u0646.<\/span><\/p>\n

\u0639\u0642\u062f \u0645\u0624\u062a\u0645\u0631 \u0642\u0648\u0645\u064a \u0644\u0625\u0635\u0644\u0627\u062d \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0642\u0628\u0644 \u0623\u064a \u0645\u0624\u062a\u0645\u0631 \u0627\u0642\u062a\u0635\u0627\u062f\u064a\u060c \u0644\u0636\u0645\u0627\u0646 \u062a\u0648\u0627\u0641\u0642 \u0628\u064a\u0646 \u0627\u0644\u0631\u0624\u064a\u0629 \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0648\u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0627\u0644\u0639\u0627\u0645\u0629.<\/span><\/p>\n

\u0633\u0627\u062f\u0633\u064b\u0627: \u062a\u0641\u0635\u064a\u0644 \u0645\u0648\u0633\u0639 \u0641\u064a \u0627\u0644\u0625\u0635\u0644\u0627\u062d\u0627\u062a \u0627\u0644\u0645\u0642\u062a\u0631\u062d\u0629 \u0644\u0644\u062c\u0647\u0627\u0632 \u0627\u0644\u0645\u0635\u0631\u0641\u064a<\/span><\/p>\n

\u00a0<\/span><\/p>\n

    \n
  1. \u0625\u0635\u0644\u0627\u062d \u0648\u062a\u062d\u062f\u064a\u062b \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u2013 \u0628\u0646\u0643 \u0627\u0644\u0633\u0648\u062f\u0627\u0646<\/span><\/li>\n<\/ol>\n

    \u00a0<\/span><\/p>\n

    \u0627\u0644\u0623\u0647\u062f\u0627\u0641:<\/span><\/p>\n

    \u062c\u0639\u0644\u0647 \u0645\u0624\u0633\u0633\u0629 \u0646\u0642\u062f\u064a\u0629 \u0645\u0633\u062a\u0642\u0644\u0629\u060c \u0641\u0639\u0627\u0644\u0629\u060c \u063a\u064a\u0631 \u0645\u0633\u064a\u0651\u0633\u0629.<\/span><\/p>\n

    \u0627\u0633\u062a\u0639\u0627\u062f\u0629 \u0623\u062f\u0648\u0627\u062a \u0627\u0644\u0633\u064a\u0627\u0633\u0629 \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629.<\/span><\/p>\n

    \u062a\u0646\u0638\u064a\u0645 \u0627\u0644\u0639\u0644\u0627\u0642\u0629 \u0628\u064a\u0646 \u0627\u0644\u0639\u0645\u0644\u0629 \u0648\u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0637\u064a \u0627\u0644\u062d\u0642\u064a\u0642\u064a (\u0630\u0647\u0628\u060c \u0646\u0642\u062f \u0623\u062c\u0646\u0628\u064a).<\/span><\/p>\n

    \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0645\u0642\u062a\u0631\u062d\u0629:<\/span><\/p>\n

    \u0625\u0644\u063a\u0627\u0621 \u0642\u0627\u0646\u0648\u0646 2002 \u0648\u0627\u0633\u062a\u0628\u062f\u0627\u0644\u0647 \u0628\u0642\u0627\u0646\u0648\u0646 \u062c\u062f\u064a\u062f \u0645\u0633\u062a\u0645\u062f \u0645\u0646 \u0623\u0641\u0636\u0644 \u0627\u0644\u0645\u0645\u0627\u0631\u0633\u0627\u062a (\u0646\u0645\u0648\u0630\u062c \u062c\u0646\u0648\u0628 \u0623\u0641\u0631\u064a\u0642\u064a\u0627 + \u0628\u0627\u0632\u0644).<\/span><\/p>\n

    \u0625\u0639\u0627\u062f\u0629 \u0647\u064a\u0643\u0644\u0629 \u0625\u062f\u0627\u0631\u064a\u0629 \u062a\u0634\u0645\u0644 \u062a\u0642\u0644\u064a\u0635 \u0627\u0644\u0625\u062f\u0627\u0631\u0627\u062a \u0625\u0644\u0649 5\u20137 \u0625\u062f\u0627\u0631\u0627\u062a \u062a\u0646\u0641\u064a\u0630\u064a\u0629.<\/span><\/p>\n

    \u062f\u0645\u062c \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0645\u0648\u0627\u0632\u064a\u0629 \u062f\u0627\u062e\u0644 \u0625\u062f\u0627\u0631\u0627\u062a \u0627\u0644\u0628\u0646\u0643 (\u0645\u062b\u0644 \u0627\u0644\u0633\u0648\u062f\u0627\u0646 \u0644\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u062a\u0631\u0648\u064a\u062c).<\/span><\/p>\n

    \u062a\u0637\u0648\u064a\u0631 \u0646\u0638\u0627\u0645 \u0645\u062d\u0627\u0633\u0628\u0629 \u0648\u062a\u0633\u0648\u064a\u0627\u062a \u0648\u0645\u0642\u0627\u0635\u0629 \u0645\u0631\u0643\u0632\u064a \u062d\u062f\u064a\u062b.<\/span><\/p>\n

    \u0631\u0641\u0639 \u0643\u0641\u0627\u0621\u0629 \u0645\u0648\u0638\u0641\u064a \u0627\u0644\u0628\u0646\u0643 \u0639\u0628\u0631 \u062e\u0637\u0629 \u062a\u062f\u0631\u064a\u0628\u064a\u0629 \u0635\u0627\u0631\u0645\u0629 \u062a\u0634\u0645\u0644 \u0634\u0647\u0627\u062f\u0627\u062a CIB\u060c Basel\u060c AML\u060c \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0634\u0631\u0639\u064a\u0629 \u0627\u0644\u0641\u0646\u064a\u0629.<\/span><\/p>\n

    \u062d\u0635\u0631 \u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0639\u0645\u0644\u0629 \u0648\u0631\u0628\u0637\u0647\u0627 \u0628\u0627\u0644\u063a\u0637\u0627\u0621 \u0627\u0644\u062d\u0642\u064a\u0642\u064a (\u0627\u0644\u0630\u0647\u0628 \u0648\u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0637\u064a).<\/span><\/p>\n

    \u0631\u0628\u0637 \u062a\u0642\u0627\u0631\u064a\u0631 \u0627\u0644\u0628\u0646\u0643 \u0628\u0627\u0644\u0628\u0631\u0644\u0645\u0627\u0646 \u0644\u0627 \u0628\u0627\u0644\u0633\u0644\u0637\u0629 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a\u0629 \u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644\u064a\u0629.<\/span><\/p>\n

    \u00a0<\/span><\/p>\n

      \n
    1. \u0625\u0635\u0644\u0627\u062d \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629<\/span><\/li>\n<\/ol>\n

      \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0645\u0642\u062a\u0631\u062d\u0629:<\/span><\/p>\n

      \u0631\u0641\u0639 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0644\u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0625\u0644\u0649 \u0645\u0627 \u064a\u0639\u0627\u062f\u0644 50 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631.<\/span><\/p>\n

      \u062f\u0645\u062c \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0639\u062b\u0631\u0629 \u0641\u064a \u0643\u064a\u0627\u0646\u0627\u062a \u0623\u0643\u0628\u0631 (\u0645\u0646 32 \u0628\u0646\u0643\u064b\u0627 \u0625\u0644\u0649 \u0646\u062d\u0648 10\u201312 \u0645\u0635\u0631\u0641).<\/span><\/p>\n

      \u0627\u0633\u062a\u0639\u0627\u062f\u0629 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062d\u0643\u0648\u0645\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u0647\u062f\u0641\u0629 \u0628\u0627\u0644\u062e\u0635\u062e\u0635\u0629 \u063a\u064a\u0631 \u0627\u0644\u0634\u0641\u0627\u0641\u0629 \u0645\u062b\u0644 \u0628\u0646\u0643 \u0627\u0644\u062e\u0631\u0637\u0648\u0645.<\/span><\/p>\n

      \u0641\u0631\u0636 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0645\u0646 \u0643\u0641\u0627\u064a\u0629 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0648\u0641\u0642 \u0628\u0627\u0632\u0644 3 \u0628\u0646\u0633\u0628\u0629 8\u201310%.<\/span><\/p>\n

      \u0625\u0644\u063a\u0627\u0621 \u0627\u0645\u062a\u0644\u0627\u0643 \u0627\u0644\u0628\u0646\u0648\u0643 \u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0627\u0644\u0623\u0633\u0647\u0645 \u0648\u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a.<\/span><\/p>\n

      \u0625\u0635\u062f\u0627\u0631 \u0642\u0627\u0646\u0648\u0646 \u0648\u0627\u0636\u062d \u064a\u062d\u062f\u062f \u062d\u062f\u0648\u062f \u0627\u0644\u062a\u0633\u0647\u064a\u0644\u0627\u062a \u0644\u0644\u0645\u0633\u0627\u0647\u0645\u064a\u0646 \u0648\u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0639\u0644\u064a\u0627.<\/span><\/p>\n

      \u0625\u062c\u0628\u0627\u0631 \u0627\u0644\u0628\u0646\u0648\u0643 \u0639\u0644\u0649 \u062a\u062e\u0635\u064a\u0635 60% \u0645\u0646 \u0645\u062d\u0627\u0641\u0638\u0647\u0627 \u0644\u0644\u0632\u0631\u0627\u0639\u0629 \u0648\u0627\u0644\u0635\u0646\u0627\u0639\u0629 \u0648\u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u0623\u0642\u0644.<\/span><\/p>\n

      \u062a\u0628\u0646\u0651\u064a \u0646\u0638\u0627\u0645 \u062a\u0635\u0646\u064a\u0641 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0648\u0637\u0646\u064a \u0645\u0648\u062d\u062f \u064a\u0631\u062a\u0628\u0637 \u0628\u0646\u0638\u0627\u0645 \u0645\u0631\u0643\u0632\u064a \u0644\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0631.<\/span><\/p>\n

        \n
      1. \u0625\u0635\u0644\u0627\u062d \u0627\u0644\u0625\u0637\u0627\u0631 \u0627\u0644\u062a\u0634\u0631\u064a\u0639\u064a \u0648\u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a<\/span><\/li>\n<\/ol>\n

        \u00a0<\/span><\/p>\n

        \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0645\u0642\u062a\u0631\u062d\u0629:<\/span><\/p>\n

        \u062f\u0645\u062c \u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0627\u0644\u062a\u0627\u0644\u064a\u0629 \u0641\u064a \u0642\u0627\u0646\u0648\u0646 \u0648\u0627\u062d\u062f \u0634\u0627\u0645\u0644:<\/span><\/p>\n

        \u0642\u0627\u0646\u0648\u0646 \u0628\u0646\u0643 \u0627\u0644\u0633\u0648\u062f\u0627\u0646<\/span><\/p>\n

        \u0642\u0627\u0646\u0648\u0646 \u062a\u0646\u0638\u064a\u0645 \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0645\u0635\u0631\u0641\u064a<\/span><\/p>\n

        \u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0648\u062f\u0627\u0626\u0639<\/span><\/p>\n

        \u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629<\/span><\/p>\n

        \u0642\u0627\u0646\u0648\u0646 \u063a\u0633\u064a\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0648\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0631\u0647\u0627\u0628<\/span><\/p>\n

        \u0625\u0646\u0634\u0627\u0621 “\u0627\u0644\u0645\u0631\u0635\u062f \u0627\u0644\u0648\u0637\u0646\u064a \u0627\u0644\u0645\u0635\u0631\u0641\u064a” \u0643\u0645\u0624\u0633\u0633\u0629 \u0645\u0633\u062a\u0642\u0644\u0629 \u0644\u0631\u0635\u062f \u062c\u0648\u062f\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u0627\u0644\u0634\u0641\u0627\u0641\u064a\u0629.<\/span><\/p>\n

        \u0625\u0644\u063a\u0627\u0621 \u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0627\u0644\u0633\u0646\u0648\u064a\u0629 \u0648\u0627\u0633\u062a\u0628\u062f\u0627\u0644\u0647\u0627 \u0628\u0643\u062a\u064a\u0628\u0627\u062a \u062a\u0646\u0641\u064a\u0630\u064a\u0629 \u0645\u062d\u062f\u0651\u062b\u0629 \u0643\u0644 5 \u0633\u0646\u0648\u0627\u062a.<\/span><\/p>\n

        \u0627\u0639\u062a\u0645\u0627\u062f \u0646\u0627\u0641\u0630\u062a\u064a\u0646 (\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0648\u062a\u0642\u0644\u064a\u062f\u064a\u0629) \u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u0634\u0645\u0648\u0644 \u0648\u062a\u0648\u0633\u064a\u0639 \u0627\u0644\u062e\u064a\u0627\u0631\u0627\u062a \u0623\u0645\u0627\u0645 \u0627\u0644\u0639\u0645\u0644\u0627\u0621.<\/span><\/p>\n

          \n
        1. \u0625\u0635\u0644\u0627\u062d \u0634\u0627\u0645\u0644 \u0644\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0623\u0635\u063a\u0631 \u0648\u0627\u0644\u062a\u0639\u0627\u0648\u0646\u064a\u0627\u062a<\/span><\/li>\n<\/ol>\n

          \u00a0<\/span><\/p>\n

          \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0645\u0642\u062a\u0631\u062d\u0629:<\/span><\/p>\n

          \u062f\u0645\u062c 46 \u0634\u0631\u0643\u0629 \u062a\u0645\u0648\u064a\u0644 \u0623\u0635\u063a\u0631 \u0641\u064a \u0645\u0624\u0633\u0633\u0629 \u0648\u0637\u0646\u064a\u0629 \u0648\u0627\u062d\u062f\u0629 \u0628\u062e\u0637\u0629 \u0639\u0645\u0644 \u0648\u0627\u0636\u062d\u0629.<\/span><\/p>\n

          \u0627\u0633\u062a\u062d\u062f\u0627\u062b “\u0628\u0646\u0643 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0634\u0639\u0628\u064a” \u064a\u0642\u062f\u0645 \u062e\u062f\u0645\u0627\u062a \u0631\u0642\u0645\u064a\u0629 \u0645\u0628\u0633\u0637\u0629 \u0644\u0635\u063a\u0627\u0631 \u0627\u0644\u0645\u0632\u0627\u0631\u0639\u064a\u0646 \u0648\u0627\u0644\u062d\u0631\u0641\u064a\u064a\u0646 \u0639\u0628\u0631 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644.<\/span><\/p>\n

          \u062a\u062d\u0648\u064a\u0644 \u0648\u0643\u0627\u0644\u0629 “\u062a\u064a\u0633\u064a\u0631” \u0625\u0644\u0649 \u0630\u0631\u0627\u0639 \u0636\u0645\u0627\u0646 \u0642\u0648\u0645\u064a \u0645\u0633\u062a\u0642\u0644 \u0644\u0643\u0644 \u062a\u0645\u0648\u064a\u0644 \u063a\u064a\u0631 \u062a\u0642\u0644\u064a\u062f\u064a.<\/span><\/p>\n

          \u0631\u0628\u0637 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0623\u0635\u063a\u0631 \u0628\u0627\u0644\u0645\u062d\u0644\u064a\u0627\u062a \u0648\u0627\u0644\u0648\u062d\u062f\u0627\u062a \u0627\u0644\u0625\u0646\u062a\u0627\u062c\u064a\u0629 \u0627\u0644\u0641\u0639\u0644\u064a\u0629 \u0648\u0644\u064a\u0633 \u0627\u0644\u0646\u062e\u0628 \u0627\u0644\u0645\u062f\u0646\u064a\u0629.<\/span><\/p>\n

            \n
          1. \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0648\u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u062d\u062f\u064a\u062b\u0629<\/span><\/li>\n<\/ol>\n

            \u0625\u0639\u0627\u062f\u0629 \u0647\u064a\u0643\u0644\u0629 \u0646\u0638\u0627\u0645 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0648\u0637\u0646\u064a \u0648\u0631\u0628\u0637\u0647 \u0628\u0627\u0644\u0647\u0648\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0627\u0644\u0645\u0648\u062d\u062f\u0629.<\/span><\/p>\n

            \u062a\u0634\u062c\u064a\u0639 \u0627\u0644\u0634\u0631\u0627\u0643\u0629 \u0628\u064a\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0648\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (FinTech) \u0639\u0644\u0649 \u063a\u0631\u0627\u0631 M-Pesa.<\/span><\/p>\n

            \u0645\u0646\u062d \u0631\u062e\u0635 \u0644\u0628\u0646\u0648\u0643 \u0631\u0642\u0645\u064a\u0629 \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u062a\u062e\u062f\u0645 \u0627\u0644\u0631\u064a\u0641 \u0648\u0627\u0644\u0645\u063a\u062a\u0631\u0628\u064a\u0646.<\/span><\/p>\n

            \u0625\u0639\u0627\u062f\u0629 \u0628\u0646\u0627\u0621 \u062b\u0642\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0639\u0628\u0631 \u062a\u0637\u0628\u064a\u0642 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062a\u0648\u0642\u064a\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u060c \u0627\u0644\u0645\u0635\u0627\u062f\u0642\u0629\u060c \u0648\u0646\u0638\u0627\u0645 \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a.<\/span><\/p>\n

            \u062e\u0627\u062a\u0645\u0629 \u0645\u0648\u0633\u0651\u0639\u0629: \u0646\u062d\u0648 \u0633\u064a\u0627\u062f\u0629 \u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0639\u0628\u0631 \u0646\u0638\u0627\u0645 \u0645\u0635\u0631\u0641\u064a \u0631\u0634\u064a\u062f<\/span><\/p>\n

            \u0644\u0646 \u064a\u0646\u0647\u0636 \u0627\u0644\u0633\u0648\u062f\u0627\u0646 \u0645\u0646 \u0631\u0643\u0627\u0645 \u0627\u0644\u062d\u0631\u0628 \u0648\u0627\u0644\u0627\u0646\u0647\u064a\u0627\u0631 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a \u062f\u0648\u0646 \u0646\u0638\u0627\u0645 \u0645\u0635\u0631\u0641\u064a \u0645\u0633\u062a\u0642\u0644\u060c \u0634\u0641\u0627\u0641\u060c \u062a\u0646\u0645\u0648\u064a\u060c \u0642\u0627\u062f\u0631 \u0639\u0644\u0649 \u0642\u064a\u0627\u062f\u0629 \u0627\u0644\u062a\u062d\u0648\u0644 \u0646\u062d\u0648 \u0627\u0644\u0625\u0646\u062a\u0627\u062c. \u0648\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u062d\u0648\u0644 \u0627\u0644\u0639\u0627\u0644\u0645 \u064a\u062b\u0628\u062a \u0623\u0646 \u0628\u0646\u0627\u0621 \u0627\u0644\u062f\u0648\u0644\u0629 \u064a\u0628\u062f\u0623 \u0645\u0646 \u0625\u0635\u0644\u0627\u062d \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a. \u0628\u0644 \u0625\u0646 \u0623\u062d\u062f \u0645\u0644\u0627\u0645\u062d \u0641\u0634\u0644 \u0627\u0644\u062f\u0648\u0644\u0629 \u0647\u0648 \u0627\u0646\u0647\u064a\u0627\u0631 \u0648\u0638\u064a\u0641\u0629 \u0627\u0644\u0646\u0642\u0648\u062f \u0648\u063a\u064a\u0627\u0628 \u0648\u0633\u064a\u0637 \u0627\u0644\u062b\u0642\u0629 \u2013 \u0623\u064a \u0627\u0644\u0628\u0646\u0648\u0643.<\/span><\/p>\n

            \u0627\u0644\u0625\u0635\u0644\u0627\u062d\u0627\u062a \u0627\u0644\u0645\u0642\u062a\u0631\u062d\u0629 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0645\u0642\u0627\u0644 \u0644\u064a\u0633\u062a \u062a\u0631\u0641\u064b\u0627 \u0623\u0648 \u0637\u0645\u0648\u062d\u0627\u062a \u0645\u062b\u0627\u0644\u064a\u0629\u060c \u0628\u0644 \u0634\u0631\u0648\u0637 \u0644\u0627\u0632\u0645\u0629 \u0644\u0625\u0646\u0642\u0627\u0630 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0648\u0645\u0646\u0639 \u0627\u0644\u0627\u0646\u0647\u064a\u0627\u0631 \u0627\u0644\u0634\u0627\u0645\u0644. \u0648\u0644\u0630\u0627\u060c \u0641\u0625\u0646 \u0625\u0639\u0627\u062f\u0629 \u0647\u064a\u0643\u0644\u0629 \u0627\u0644\u062c\u0647\u0627\u0632 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u064a\u062c\u0628 \u0623\u0646 \u062a\u064f\u062f\u0631\u062c \u0636\u0645\u0646 \u0623\u0648\u0644\u0648\u064a\u0627\u062a \u0623\u064a \u062d\u0643\u0648\u0645\u0629 \u0627\u0646\u062a\u0642\u0627\u0644\u064a\u0629 \u0623\u0648 \u0645\u0633\u062a\u0642\u0628\u0644\u064a\u0629.<\/span><\/p>\n

            \u00a0<\/span><\/p>\n

            \u00a0<\/span><\/p>\n

            \u00a0<\/span><\/p>\n

            \u00a0<\/span><\/p>\n

            \u00a0<\/span><\/p>\n

            \u00a0<\/span><\/p>\n

            \u00a0<\/span><\/p>\n

            \u00a0<\/span><\/p>\n

            \u00a0<\/span><\/p>\n

            \u00a0<\/span><\/p>\n

            \u00a0<\/span><\/p>\n

            \u00a0<\/span><\/p>\n

            \u00a0<\/span><\/p>\n

            \u0642\u0627\u0626\u0645\u0629 \u0627\u0644\u0645\u0631\u0627\u062c\u0639<\/span><\/p>\n

            International Monetary Fund (IMF). Sudan: 2021 Article IV Consultation \u2013 Staff Report. IMF Country Report No. 21\/73. Washington, DC: International Monetary Fund, 2021.<\/span><\/p>\n

            https:\/\/www.imf.org\/en\/Publications\/CR\/Issues\/2021\/03\/10\/Sudan-2021-Article-IV-Consultation-50308<\/span><\/p>\n

            World Bank. World Development Indicators: Financial Access and Stability \u2013 Sudan Dataset. Washington, DC: World Bank, 2023.<\/span><\/p>\n

            https:\/\/data.worldbank.org\/country\/sudan<\/span><\/p>\n

            Bank for International Settlements (BIS). Basel III: Finalising Post-Crisis Reforms. Basel Committee on Banking Supervision, December 2017.<\/span><\/p>\n

            https:\/\/www.bis.org<\/span><\/p>\n

            African Development Bank (AfDB). Sudan Economic Outlook 2023. Abidjan: AfDB, 2023.<\/span><\/p>\n

            https:\/\/www.afdb.org\/en\/countries\/east-africa\/sudan<\/span><\/p>\n

            Central Bank of Sudan. Annual Reports 2020\u20132022. Khartoum: Central Bank of Sudan.<\/span><\/p>\n

            http:\/\/www.cbos.gov.sd<\/span><\/p>\n

            Transparency International. Corruption Perceptions Index 2023 \u2013 Sudan Profile. Berlin: Transparency International.<\/span><\/p>\n

            https:\/\/www.transparency.org\/en\/cpi\/2023\/index\/sdn<\/span><\/p>\n

            Islamic Financial Services Board (IFSB). Islamic Banking Stability Report 2022. Kuala Lumpur: IFSB, 2022.<\/span><\/p>\n

            https:\/\/www.ifsb.org<\/span><\/p>\n

            Central Bank of Kenya (CBK). Bank Supervision Annual Report 2022. Nairobi: CBK, 2023.<\/span><\/p>\n

            https:\/\/www.centralbank.go.ke<\/span><\/p>\n

            National Bank of Rwanda (NBR). Annual Report 2022. Kigali: NBR, 2023.<\/span><\/p>\n

            https:\/\/www.bnr.rw<\/span><\/p>\n

            United Nations Development Programme (UNDP). Post-Conflict Economic Assessment \u2013 Sudan 2023. New York: UNDP, 2023.<\/span><\/p>\n

            World Bank Group. Enhancing Financial Inclusion in Fragile Contexts: Lessons from Sudan. Washington, DC: World Bank, 2021.<\/span><\/p>\n

            International Finance Corporation (IFC). Sudan Financial Sector Diagnostic. IFC Technical Report, 2022.<\/span><\/p>\n

            Basel Committee on Banking Supervision. Core Principles for Effective Banking Supervision. Bank for International Settlements, 2012.<\/span><\/p>\n

            OECD. Integrity in the Financial Sector: Global Standards and Enforcement Trends. Paris: OECD Publishing, 2021.<\/span><\/p>\n

            Islamic Development Bank (IsDB). Guide to Islamic Financial Products and Institutions. Jeddah: IsDB, 2021.<\/span><\/p>\n

            \u00a0<\/span><\/p>\n

            \u00a0<\/span><\/p>\n

            \u00a0<\/span><\/p>\n

            \u00a0<\/span><\/p>\n

             <\/p>\n

            <\/div>\n
            <\/div>\n","protected":false},"excerpt":{"rendered":"

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