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Bdso Rtuey;

Kiurmoy ih Djrf-Hfm fm [fladawoPIhhorfmj Xdnuo tgriujg Binndairdtfim\

8/13/2019 Agri-Fin Mobile in Zimbabwe

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Bdso Rtuey

Kiurmoy ih Djrf-Hfm fm [fladawo

PIhhorfmj Xdnuo tgriujg Binndairdtfim\

R_ALFUUOE UI

Lr. Rgof`g Lirsgoe Kdgdm

Dssibfdto Srihossir

Biurso Fmstrubtir; Ausfmoss Rtrdtojy (Z?34)

R_ALFUUOE AV

Ldnoogd Udrdmmul, QG 438

AAD 47tg Adtbg

Fmstftuto ih Ausfmoss Delfmfstrdtfim

_mfvorsfty ih Egd`d

Hoarudry 2, 1345

8/13/2019 Agri-Fin Mobile in Zimbabwe

3/23

DARUQDBU

Liafno adm`fmj gds aoom fmtrieuboe ds dm oxtomsfim ih bimvomtfimdn adm`fmj.

Ugo purpiso ih liafno adm`fmj wds ti fmbrodso tgo bimvomfombo ih bimsulors

ih adm`s. Aut tiedy vdrfius mow usdjo ih liafno adm`fmj fs aofmj efsbivoroe.

Ldmy eovoniplomt irjdmfzdtfims dro usfmj liafno adm`fmj ds d piworhun

fmstrulomt ti olpiwor tgo jrdss riit poipno ih eovonipfmj ds wonn ds nodst

eovonipoe biumtrfos. Fm subg bdsos, pdrtfbundr ldr`ot sojlomt fs bimsfeoroe

tgo tdrjot ldr`ot dme sorvfbos dro ihhoroe ti tgfs mfbgo ldr`ot. Giwovor, ti

ihhor umfquo vdnuo ti mfbgo ldr`ot, Lorby Birps, d eovoniplomt irjdmfzdtfim fs

hinniwfmj tgo strdtojy ih binndairdtfim. Ay pdrtmorfmj wftg sovordn sorvfbo

privfeors, Lorby Birps ihhors sorvfbo fm aumeno ti fts bimsulors. Ft fs miw d

brubfdn hdbtir ti bimsfeor hir Djrf-Hfm giw ti `oop dnn pdrtmors fm nfmo wftg tgo

untfldto irjdmfzdtfimdn jidn ih Djrf-Hfm.

8/13/2019 Agri-Fin Mobile in Zimbabwe

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LOQBV BIQSR

orby Birps fs dm _R adsoe irjdmfzdtfim tgdt wir`s jniadnny wftg d lfssfim ti dnnovfdto

pivorty- suhhorfmj-ipprossfim ay gonpfmj poipno aufne soburo, prieubtfvo dme kustbillumftfos wirnewfeo. Fmftfdnny, ft wds hiumeoe ds Rdvo tgo Qohujoos Hume, d tds` hirbo

irjdmfzoe ay Edm IMofnn fm rospimso ti tgo pnfjgt ih Bdlaiefdm rohujoos hnoofmj tgo hdlfmo,

wdr dme jomibfeo ih tgo `fnnfmj hfones. Fm 4671

IMofnn dme gfs hfome fmbirpirdto ds Lorby Birps

Fmtormdtfimdn fm Rodttno, Zdsgfmjtim. Rfmbo fts

fmboptfim, Lorby Birps gds dttolptoe ti hfme

iut nimj-torl sinutfims ti gumjor dme pivorty.

Lorby Birps aonfovo tgdt Billumftfos dro tgo

aost djomts ih tgofr iwm bgdmjo, Nibdn ldr`ots

dro tgo aost omjfmos ih sustdfmdano robivory dme

Rubboss fs aufnt im tgo hiumedtfim ih jiie

jivormdmbo. Ugofr aonfoh fs trdmsndtoe fm tgofr

vfsfim hir bgdmjo hrdlowir`. Dt tgo bomtor ih

tgo hrdlowir` nfos fts biro lfssfim hir wgfbg ft

oxfsts. Rurriumefmj tgo jidn dro tgo prfmbfpnos ay

wgfbg Lorby Birps pursuo fts lfssfim. Ugoso

prfmbfpnos hirl tgo adsfs hir godntgy fmtordbtfims

aotwoom dnn std`ogineors fm tgo eovoniplomt

priboss. Aoyime tgo ipordtfmj prfmbfpnos dro tgo dbtirs wgi upgine tgoso prfmbfpnos. Zftgiut

tgofr fmvinvolomt pursufmj lfssfim wiune ao flpissfano hir Lorby Birps. Dt tgo iutorlist ndyor

dro tgo `oy oxtormdn bimeftfims. Rustdfmdano eovoniplomt fs mit pissfano umnoss tgoso `oy

oxtormdn bimeftfims dro mit fm rfjgt pndbo. Srijrdls ih Lorby Birps fmbnueo- Djrf-Hfm Liafno,

Djrfbunturdn Eovoniplomt, Bnfldto Bgdmjo, Bimhnfbt Ldmdjolomt, Efsdstor Qfs` Qoeubtfim,

Olorjomby Qospimso, Hiie Roburfty, Jiie Jivormdmbo, Nibdn Sdrtmorsgfps dme BillumftyLiafnfzdtfim, Ldr`ot Eovoniplomt, Irjdmfzdtfimdn Nodrmfmj, Suanfb Godntg Qosfnfombo, _radm

Srijrdllfmj, Ziloms Olpiworlomt dme Jomeor dme Viutg Eovoniplomt.

Hfjuro 4; Xfsfim hir Bgdmjo Hrdlowir`,

Lorby Birps

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DJQF-HFM

jrf-Hfm fs d prijrdl ih Lorby Birps tgdt

dfls dt fmbrodsfmj tgo ohhfbfomby ihpodsdmt bndss dbriss wirne. Ft fs dm fmmivdtfim ih

Lorby Birps tgdt deeross tgo spobfdn hfmdmbfdn

mooes ih hdrlors fm efhhoromt eovonipfmj dme

umeor eovonipoe biumtrfos. List ih tgo umeor

eovonipoe dme nodst eovonipoe biumtfos fm tgo

wirne dro djri-adsoe dme noss ir mit

fmeustrfdnfzoe. Ugo pivorty strfb`om poipno fm

subg biumtrfos dro eopomeomt listny im

djrfbunturo hir tgofr odrmfmj. Ugfs podsdmt bndss fs

fnnftordto ir gdnh-nftordto. Ugofr tobgmfbdn `miw-

giw fs nflftoe tii. Noss dbboss ti ldr`ot fmhirldtfim, hirldn adm`fmj dme hfmdmbfmj dntormdtfvos

dee ti tgoso prianols. Dnn tgoso prianols rosunt fm fmohhfbfomt brip prieubtfim dme wfeomfmj

pivorty.

Djrf-Hfm liafno prijrdl pdrtmors wftg jivormlomt, LMIs, adm`s dme itgor hfmdmbfdn

irjdmfzdtfims fm ireor ti aufne d sustdfmdano lieon ih brip prieubtfim ay ihhorfmj hdrl ds wonn ds

brip ldmdjolomt tiin dme hfmdmbfdn sorvfbos fm aumeno. Liafno pndthirl fs usoe ds d lodm

privfeo hdrlors wftg dbboss ti fmhirldn adm`fmj wgfbg fs liro bimvomfomt dme dhhiredano hir

tgol.

Ugo efdjrdl jfvos d vfow ih giw Djrf-Hfm wir`s. Eurfmj tgo pndmtfmj pgdso Djrf-Hfm privfeos

hdrlors wftg nidms vfd liafno hir lootfmj tgo spobfhfb mooes ih pndmtfmj sodsim. Dnsi, fmsurdmbo

fs ihhoroe ti bivor rfs` dssibfdtoe wftg pndmtfmj. Eurfmj jriwfmj pgdso, hdrlors gdvo ti

hroquomtny auy onolomts nf`o post, hortfnfzors. Djrf-Hfm jfvos hdrlors tgo ippirtumfty ih S1A

trdmsdbtfim wgfbg fs pdyfmj tgo sonnors vfd liafno. Hdrlors jot tgfs ippirtumfty eurfmj gdrvostfmj

pgdso tii. Im tgo bimtrdry, eurfmj tgo sonnfmj pgdso, aun` auyors pdy tgo hdrlors vfd liafno.

Hdrlors gdvo tgo sbipo ih sdvfmj pribooe hril sdno fm tgofr efjftdn adm` dbbiumt. Srfldry

iutbilos ih tgo liafno hfmdmbfmj ih tgfs prijrdl dro; Eoldme-erfvom hfmdmbfdn sorvfbos vfd

liafno pgimos dro ldeo dvdfndano dme sldnngineors gdvo sustdfmdano dbboss dme dbburdto uso

ih hfmdmbfdn sorvfbos.

D

Hfjuro 1; Djrf-Hfm Bybno

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[FLADAZO; BI_MUQV SQIHFNO

Dbbirefmj ti Biumtry Nfst ih _M, [fladawo fs d eovonipfmj biumtry fm Riutgorm Dhrfbd aireoroe

ay Riutg Dhrfbd, [dlafd. Ugo mdtfimdn JES jriwtg rdto fs 5.5%. Ugo list brubfdn hdbtir fm tgo

obimily ih tgo biumtry fs oxtrolo umolpniylomt prianol. Dbbirefmj ti 1342 edtd,

umolpniylomt rdto fm [fladawo fs dnlist 65%. Imbo tgo arodeads`ot ih siutgorm Dhrfbd, ft fs

miw hiie-fmsoburo dme ndb`s tgo brftfbdn fmhrdstrubturo dme suppirt lobgdmfsls mooeoe ti gonp

fts list vunmordano bftfzoms. [fladawo's obimily fs jriwfmj eospfto bimtfmufmj pinftfbdn

umbortdfmty. Mdtfimdn obimily gds jimo tgriujg d bimtrdbtfim eurfmj 4667-1337, d wgino

eobdeo. Fm 1336, Hinniwfmj tgfs rohirldtfim, [fladawo's obimily robireoe rodn jriwtg ih liro

tgdm 6% por yodr fm 1343-44, aohiro sniwfmj ti ?% fm 1341. Ugfs sniw eiwm fs listny bdusoe hril d

piir gdrvost dme niw efdlime rovomuos. Ui dee tgfs, imbo wgfbg rohirldtfim gonpoe ti

flprivo tgo obimily fs miw brodtfmj prianol.Dt tgo bomtor ih tgo nfqufefty brfsfs fs [fladawo's

gujo flpirt afnn, d rosunt ih tgo biumtry's hdfnfmj fmeustrfos, wirsomoe ay tgo hdnn ih tgo rdme fm

Riutg Dhrfbd, [fladawo's ndrjost trdefmj pdrtmor. Ft fs miw bgodpor ti flpirt jiies ti

[fladawo tgdm ti ld`o tgol nibdnny. Liro limoy fs nodvfmj tgo biumtry tgdm fs aofmj ariujgt

fm.Nibdn bilpdmfos prohor ti flpirt hfmfsgoe prieubts. Zftg mi limoy ti rotiin dme stub` wftg

fmohhfbfomt dme bistny pndmts, nibdn bilpdmfos stdme nfttno bgdmbo ih bilpotfmj wftg flpirts.

Dpdrt hril tgfs burromby brfsfs, tgo jivormlomt ih [fladawo hdbos d mulaor ih efhhfbunt

obimilfb prianols, fmbnuefmj fmhrdstrubturo dme rojundtiry eohfbfombfos, imjifmj fmefjomfzdtfim

prossuro, pinfby umbortdfmty, d ndrjo oxtormdn eoat aureom, dme fmsuhhfbfomt hirldn olpniylomt.

[fladawos 4667-1331 fmvinvolomt fm tgo wdr fm tgo Eolibrdtfb Qopuanfb ih tgo Bimji erdfmoe

gumeroes ih lfnnfims ih einndrs hril tgo obimily. Ugo jivormlomts suasoquomt ndme rohirl

prijrdl, bgdrdbtorfzoe ay bgdis dme vfinombo, adeny edldjoe tgo billorbfdn hdrlfmj

sobtir, tgo trdeftfimdn siurbo ih oxpirts dme hirofjm oxbgdmjo dme tgo privfeor ih 533,333 kias,

turmfmj [fladawo fmti d mot flpirtor ih hiie prieubts. _mtfn odrny 1336, tgo Qosorvo Adm` ih

[fladawo riutfmony prfmtoe limoy ti hume tgo auejot eohfbft, bdusfmj gyporfmhndtfim.

Einndrfzdtfim fm odrny 1336 dnniwoe burrombfos subg ds tgo Aitswdmd pund, tgo Riutg Dhrfbd rdme,

dme tgo _R einndr ti ao usoe nibdnny. Ft omeoe gyporfmhndtfim dme roeuboe fmhndtfim ti daiut 43%

aut oxpisoe strubturdn wod`mossos tgdt bimtfmuo ti fmgfaft aride-adsoe jriwtg.

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8/13/2019 Agri-Fin Mobile in Zimbabwe

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Bgdnnomjo mitoe ay hdrlors fs ndb` ih dbboss ti adsfb hfmdmbfdn sorvfbos subg ds adm` dbbiumts

ir fmsurdmbo. Hdrlors trdvon dm dvordjo 5? `fnilotors ti vfsft d adm`, jot humes ir ld`o d

trdmshor. Gdvfmj d niw dme umproefbtdano fmbilo ld`os ft efhhfbunt ti aufne up sdvfmjs, auy

fmsurdmbo ir soburo nidms. Dlimj tgo hdrlors sdlpnoe liro tgdm :3 porbomt dro um-adm`oe.

Giwovor, vfnndjo Rdvfmjs dme Nidms Fmftfdtfvos/Dssibfdtfims dro dttrdbtfmj d sfjmfhfbdmt mulaor ih

hdrlors pdrtfbundrny wilom.

Ugo survoy jdvo flpirtdmt fmsfjgt rojdrefmj pdrtmorsgfp. Imo ih tgol fs odbg pdrtmor lust

robijmfzo tgo ausfmoss bdso dme ao wfnnfmj ti bi-fmvost. Ugo survoy hiume tgdt trdmsdbtfim

vinulos dro brftfbdn. Ft fs mobossdry ti nii` iut hir drods ti stdrt wftg wgfbg erfvo trdmsdbtfims dme

tgorohiro usdjo, gombo wir`fmj wftg prieubo auyors dt tgo tdfn ome ih prieubtfim dme fmput

suppnfors dt tgo aojfmmfmj ih prieubtfim, ds wonn ds wir`fmj fm vdnuo bgdfms tgdt gdvo im-jifmj

ir luntfpno gdrvost porfies por yodr, subg ds girtfbunturo ir edfry.

Liafno Uobgminijy;

Uiin ti Olpiwor Zilom fm [fladawo

iafno tonobillumfbdtfim fs imo ih tgo ldkir tiins tgdt pndys rino fm wilomolpiworlomt. Liafno tonobillumfbdtfim fs miw dm odsfor, noss bdpftdn adsoe, wfeony

dbbossfano billumfbdtfim bgdmmon hir wilom fm [fladawo wgi fmftfdnny woro oxbnueoe hril

hfmdmbfdn dbtfvftfos euo ti bunturdn bimhfmolomt. Zilom fm [fladawo prohor liafno adsoe

prikobts aobduso tgoy soo subg prikobts ds privfeor ih obimilfb jdfms, fmbrodsoe dbboss ti

fmhirldtfim, jrodtor dutimily, sibfdn olpiworlomt, dme d jrodtor somso ih soburfty dme

sdhoty.

D 1344 stuey ay Jriupo Rpobfdno Liafno Dssibfdtfim (JRLD) im Dhrfbd wgfbg fmbnueoe d bdso

stuey im [fladawo gfjgnfjgtoe d 54 % fmbrodso fm fmbilo jomordtfmj ippirtumftfos dme

74%fmbrodso fm fmeopomeombo ih wilom wgi iwm d liafno. D stuey ih lfbri-omtorprfsos ay tgo

sobime ndrjost liafno privfeor fm [fladawo Uonobon robomtny hiume tgdt bonn pgimos gdvo

flpdbtoe lfbri-omtorprfsos, ospobfdnny tgiso iwmoe ay wilom. Liafno pgimos dnsi privfeo dm

dvomuo hir wilom ti jdfm oeubdtfim dme dbboss ti fmhirldtfim.

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Dbbirefmj ti @uadtdmd.mot, d sibfdn pndthirl fm [fladawo, liafno pgimos fm tgo gdmes ih rurdn

wilom bdm gonp tgol ti `miw wgoro ti ji dme giw ti jot fm tiubg wftg d stdhh lolaor,

jivormlomt ir sibfdn wir`or dme jot tgo rfjgt fmhirldtfim.

Fm [fladawo ds ropirtoe ay FQFM, wiloms fmtorost fm nodrmfmj giw ti some RLR lossdjos erfvos

fmbrodsoe eoldme hir nftordby dme mulordby. Fm Aundwdyi tgo sobime ndrjost bfty fm

[fladawo wilom dro aojfmmfmj ti uso tgo dmimylfty ih liafno pgimos ti aufne vfrtudn suppirt

jriups hir tgiso nfvfmj pisftfvony. Ugus, hril fmbilo ti oeubdtfim ti godntg dbboss ti liafno

pgimos bdm rosunt fm jrodtor sibfdn olpiworlomt hir wilom ds tgoy jdfm mow dssots dme

rospimsfafnftfos.

Liafno pgimos dnsi eobrodso tgo tflo dme bist ih trdvon, ds wonn ds rfs`s pisoe ti wilom im

nimj-efstdmbo trfps. Ugo deeftfimdn vdnuo ih liafno pgimos fs tgdt tgoy dnniw holdno hdrlors ti

ay-pdss tgo lfeenoldm omtfrony dme bgdrjo gfjgor prfbos hir tgofr jiies.

Jomeor Ldfmstrodlfmj tgriujg

Djrf-Hfm

vfeombo hril tgo adsonfmo dme prieubt eovoniplomt survoys bdrrfoe iut ay tgo Djrf-Hfm

Liafno Srijrdl fm [fladawo fmefbdto tgdt wilom hdrlors oxporfombo d ndb` ih dbboss ti

rosiurbos wftg noss tgdm 1 porbomt jottfmj dbboss ti hfmdmbo eospfto ld`fmj-up liro tgdm :3

porbomt ih tgo rurdn ndair hirbo. Djrfbunturo bimtfmuos ti ao tgo ldfm siurbo ih rurdn

olpniylomt hir aitg wilom dme lom. Ugo survoys dnsi mitoe tgdt rurdn wilom dro liro nf`ony

ti ao omjdjoe fm sonh-olpniylomt (dme tgus noss nf`ony ti ao wdjo odrmors) tgdm rurdn lom. Ndb`

ih holdno-tdrjotoe oxtomsfim sorvfbos fm [fladawo fs d ldkir adrrfor hir wilom hdrlors. Hril

tgo hibus jriup efsbussfims wilom hdrlors mitoe tgdt tgoy dro umbilhirtdano fmtordbtfmj wftg

ldno oxtomsfim djomts. D ndb` ih holdno oxtomsfim wir`ors lodms tgdt umeorstdmefmj wilom's

porspobtfvos, bimborms, dme dafnftfos fs ihtom lfssfmj hril djrfbunturdn `miwnoejo oxbgdmjo. Fm

[fladawo, wilom dro tgroo tflos noss nf`ony ti iatdfm fmsurdmbo aobduso tgoy ei mit

umeorstdme lubg daiut ft. Ziloms ndmeginefmjs dro sldnnor tgdm loms dme wilom ei mit

gdvo ndme ir priporty rfjgts.

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Sdrtmorsgfp aotwoom Djrf-Hfm Liafno &

[fladawos Hdrlors _mfim

orby Birps Djrf-Hfm Liafno stdrtoe fts ipordtfim ay sfjmfmj Li_ wftg [fladawo Hdrlors

_mfim. Ugo Li_ dnniws tgo twi irjdmfzdtfims ti kifm drls ti flprivo fmhirldtfim-sgdrfmj

wftg liro tgdm 473,333 sldnngineor hdrlors fm [fladawo.

[fladawo Hdrlors _mfim adsfbdnny fs suppisoe ti wir` ds d nfm` aotwoom sldnngineor hdrlors

dme Djrf-Hfms itgor pdrtmors. Ugo umfim roprosomts tgo vifbo ih tgo hdrlors fm tgo eovoniplomt

ih prieubts. Ft bdm fmhirl Djrf-Hfm spobfhfb fmhirldtfim ir hfmdmbfdn mooes ih hdrlors. Ri Djrf-Hfm

aobdlo bdpdano ih deerossfmj tgo mooes ih spobfhfb hdrlors liro efrobtny. Ugo pdrtmorsgfp

rosunts fm fmbrodsoe omjdjolomt ih Djrf-Hfm wftg hdrlors. Aosfeos, Djrf-Hfm Liafno bdm dnsi gdvo

dbboss ti fmhirldtfim daiut hdrlors tgdt gdvo rojfstoroe wftg tgo Hdrlors _mfim. Djrf -Hfm

Liafno wfnn uso tgo fmhirldtfim ti kustfhy tgo adb`jriume ih dbtfvftfos tgdt mooe ti ao deerossoe.

_ntfldtony, tgo Hdrlors _mfim bdm dnsi arfmj d novon ih sustdfmdafnfty ti tgo prijrdl ds tgoy

oxtome tgo prijrdl aoyime Lorby Birps.

Liafno Limoy; Rinutfim tiNfqufefty Srianol ih Rpobfdnfzoe Auyor

DFUO fs d spobfdnfzoe prieubo auyor fm [fladawo. @DFUO fs fmvinvoe fm aun` auyfmj hril sldnn

gine hdrlors. Ft gds fmbrodsoe tgo prisporfty ih tgiusdmes ih sldnngineor hdrlors. Giwovor,

d bgdnnomjo tgdt @DFUO gds hdboe fs rummfmj iut ih bdsg.

@DFUO ftsonh eios gdvo omiujg bdsg ti pdy fts prieubors. Giwovor, @DFUOs djomts, wgi trdvon ti

sldnn, rurdn vfnndjos im litiraf`o, bdm imny bdrry up ti $1,333 _RE fm bdsg hir sdhoty rodsims.

Ugiso djomts ihtom hdfnoe ti pdy hdrlors hir dnn tgoyvo prieuboe. Ui sinvo tgfs, djomts gdvo ti

ld`o luntfpno trfps. Ugfs rosunts fm gfjg trdmspirtdtfim bists hir @DFUO dme sniwor pdylomts hir

hdrlors. Fmtomso nfqufefty prianol fm [fladawo sfmbo gyporfmhndtfim fm 1337 dme 1336 dee ti tgfs

prianol ds pgysfbdn bdsg gds aoom oxtrolony efhhfbunt ti iatdfm.

@

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@DFUO hiume d sinutfim ti tgfs prianol wgfbg fs liafno limoy. @DFUO trdfms hdrlors ti jdtgor ir

jriw goras, spfbos dme ossomtfdn ifn brips, dme gds gonpoe 1,?33 hdrlors aobilo bortfhfoe ds

irjdmfb dme hdfr-trdeo. Hir tgfs nodefmj fmtormdtfimdn bislotfb dme mdturdn hortfnfzor bilpdmfos

pdy d prolful wgfbg fs pdssoe ti tgo hdrlors ay @DFUO. _so ih liafno limoy bdm omsuro

hdrlors robofvo tgofr pdylomts dme prolfuls hdstor dme liro soburony. Dt tgo sdlo tflo

@DFUOs iwm stdhh dnsi bdm aobilo liro pritobtoe.

Giwovor, tgoro dro silo bgdnnomjos hir @DFUO wgfno livfmj tgofr pdylomts ti d efjftdn pndthirl.

Ugo list flpirtdmt imo fs motwir` bivordjo ih LMI pdrtmor ih bimbormoe liafno limoy

privfeor. Dmitgor imo fs nibdtfim ih djomts ih liafno limoy. Fh tgo djomts dro mit dvdfndano

modray, hdrlors gdvo ti ld`o trfp ti tgo modrost djomt wgfbg fmbrodsos ivordnn bist hir tgol.

Fm hfmo, @DFUOs 1,?33 irjdmfb, hdfr-trdeo hdrlors woro suppisoe ti ao tgo hfrst ih tgiusdmes liro

ti omkiy tgo aomohfts ih auyfmj, sonnfmj dme sdvfmj efrobtny hril tgofr hdrl fm prosombo ih liafno

limoy Dt tgo sdlo tflo, @DFUO wiune ao wonn im fts wdy ti rdfsfmj tgo sibfdn dme obimilfb

nfvfmj stdmedres ih sldnn-sbdno prieubors fm [fladawo ovom hdstor ay fmbrodsfmj tgofr trdmsdbtfim

ohhfbfomby.

Sdrtmorsgfp dlimj @DFUO, ObiBdsg &Djrf-Hfm Liafno

m Kumo 1342, fm tgo Eilaisgdwd rojfim, mirtg ih [fladawos bdpftdn Gdrdro, @DFUO, Djrf -Hfm

nfm`oe @DFUO dme ObiMot ti utfnfzo tgo ippirtumfty ih liafno limoy hir tgo flprivoe ohhfbfomby

ih hdrlors. ObiMot fs d liafno motwir` ipordtir wgfbg ihhors ObiBdsg, d liafno limoy sorvfbo.

_mfquo brftorfim ih ObiBdsg fs d usor imny mooes ti sfjm up hir tgofr iwm ObiMot RFL bdre sfmbo

tgoy bdm airriw d pgimo ti ld`o tgo trdmsdbtfim. Ugiujg hdrlors oxprossoe silo gosftdtfim dt

tgo trdmsdbtfim hoos dssibfdtoe wftg liafno limoy, tgoy delfttoe tgo hoos dro ldmy tflos noss

tgdm dt trdeftfimdn adm`s. Fm tgo drod ih Eilaisgdwd, hdrlors woro rodey ti gdrvost bgfnfos fm

Dujust, dme Lorby Birps wir`oe wftg @DFUO ti trdfm dme rojfstor hdrlors ti sot up ObiBdsg

dbbiumts wftg ObiMot RFL bdres. Ugfs dnniwoe hdrlor ti efrobtny robofvo tgo oxdbt pdylomts hir

tgofr prieubo vfd d soburo prfvdto liafno dbbiumt im binnobtfim edy.

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HFMDMBFDN

FMRUFU_UFIM

Ugo hfmdmbfdn fmstftutfim ihhors trdeftfimdn sdvfmjs dme nidms prieubtsds wonn ds silo liafno adm`fmj hodturos subg ds utfnfty pdylomts. Fts

ipordtfims gdvo hibusoe prfldrfny im uradm bnfomts0 giwovor, ftwdmts ti ndumbg dm djrfbunturdn broeft prieubt fm tgo moxt mfmolimtgs. Ugo adm` gds robomtny prfirftfzoe tgoso sojlomts, aitgaobduso ih jivormlomt fmbomtfvos dme tgo ndb` ih jriwtg fm tgofruradm pirthinfi. Giwovor, tgo adm` gds d nflftoe trdb` robire ihomjdjolomt dme ndb`s umeorstdmefmj daiut tgo rurdn ldr`otsojlomtsaogdvfirs dme prohorombos.

LIAFNOMOUZIQ@ISOQDUIQ

(LMI)

Ugo eilfmdmt LMI fs d nodeor fm arfmjfmj mow vdnuo deeoe sorvfbosti ldr`ot. Ugoy gdvo bimsfeordano ldr`ot sgdro dme aonfovo tgdt

jriwtg wfnn bilo hril mow sorvfbos ds ippisoe ti mow bustilors.Ugoy dro wfnnfmj ti oxporflomt wftg prieubts tgdt bdm fmbrodso irsustdfm tgofr jriwtg dme fmbilo. Ugoy gdvomtgfstirfbdnny fmvostoefm prieubt eovoniplomt dme ldr`ot ir bimsulor rosodrbg, dmeprohor ti aufne fm-giuso dme flloefdtony efstrfauto prieubtsmdtfimdnny wftgiut ldr`ot tostfmj. Ugo litfvdtfims ih tgo eilfmdmtLMI dro qufto efhhoromt hril tgiso ih ndto-omtrdmt LMIs, wgiaonfovo tgdt mow jriwtg wfnn bilo hril flprivfmj oxfstfmjbillieftfzoe prieubts ir sorvfbosbilpotfmj im qudnfty rdtgortgdm vinulo dme prfbo. Ugoso ndto omtrdmt LMIs soo d sfjmfhfbdmtippirtumfty fm rurdn drods euo ti umeorfmvostlomt ay itgor LMIs.Djrf-Hfm Liafno wir`s wftg aitg eilfmdmt dme ndto-omtrdmt LMIs.

UGO A_N@

A_VOQ

Ugo Aun` Auyor siurbos prieubo hril ndrjo mulaors ih sldnngineorhdrlors dme fmvosts fm trdfmfmj dme fmputs hir silo hdrlors. Ugoywiune nf`o ti flprivo ohhfbfomby fm tgofr suppny bgdfm, tgiujg tgoygdvo mit ldeo dmy tobgminijy fmvostlomts ti ei si. Ugo auyorssuppny bgdfm flprivolomts node ti efrobt fmbilo fmbrodsos hir tgoldme tgofr hdrlors ds d rosunt ih fmbrodsoe ohhfbfombfos, roeuboe bripnissos, dme flprivoe yfones dme qudnfty. Ugoy spome sfjmfhfbdmt tfloim bdsg sottnolomt, wgfbg fs bimhusfmj dme bistny.

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Djrf-Hfms; Ugo _ntfldto Nfm`

jrf-Hfm eios mit ihhor dmy sorvfbo im fts iwm. Giwovor, ft fs tgo ldfm pndyor fm tgo wgino

systol ds ft arfmjs dnn tgo sorvfbo privfeors dme tgo hdrlors umeor imo ularonnd. Bgdnnomjo,

rfs` dnn dro gfjgor hir Djrf-Hfm. Ft hdbos bgdnnomjos wgfno nfm`fmj pdrtmors. Srianol drfsom hril

pdrtmorfmj dme ovom prianol ih sfmjno pdrtmor gdvo ti ao td`om fmti bimsfeordtfim ay Djrf-Hfm.

Hir oxdlpno, wgfno Djrf-Hfm wds dttolptfmj ti nfm` @DFUO dme ObiBdsg, rojfstrdtfim ih hdrlors ti

ld`o liafno pdylomts wds dm flpirtdmt hfrst stop fm ndyfmj tgo jriumewir` ti arfmj mulorius

sorvfbos ti rurdn hdrlors dme djri-auyors.

Lorby Birps Djrf-Hfm Liafno prijrdl pndys d aogfme tgo sbomos rino, wir`fmj ti aufne liro

rondtfimsgfps nf`o tgoso ti aumeno hfmdmbfdn dme djrfbunturdn devfsiry sorvfbos dme ld`o tgol

dvdfndano ti piir, rurdn hdrlors im liafno pgimos. Ugo trfb`y pdrt fs eosfjmfmj tgo Djrf-Hfm Liafno

pdrtmorsgfps si d vfdano vdnuo pripisftfim oxfsts hir odbg pndyor. Giw Djrf-Hfm fs jifmj ti ei tgfs fs

tgo untfldto quostfim miw.

D

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Bdso Uodbgfmj Mito;

Kiurmoy ih Djrf-Hfm fm [fladawo

PIhhorfmj Xdnuo tgriujg Binndairdtfim\

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Bdso Uodbgfmj Mitos

Kiurmoy ih Djrf-Hfm fm [fladawo

PIhhorfmj Xdnuo tgriujg Binndairdtfim\

R_ALFUUOE UI

Lr. Rgof`g Lirsgoe Kdgdm

Dssibfdto Srihossir

Biurso Fmstrubtir; Ausfmoss Rtrdtojy (Z?34)

R_ALFUUOE AV

Ldnoogd Udrdmmul, QG 438

AAD 47tg Adtbg

Fmstftuto ih Ausfmoss Delfmfstrdtfim

_mfvorsfty ih Egd`d

Hoarudry 2, 1345

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Rymipsfs

Uobgmfbdnny, liafno adm`fmj fs dm oxtomeoe vorsfim ih bimvomtfimdn adm`fmj. Adm`s fm jomordn

uso tgfs dppridbg ti fmbrodso bimvomfombo hir tgofr bimsulors. Rorvfbos dro jomordn adm`fmjsorvfbos. Ugo imny efhhorombo fs tgdt sorvfbos dro privfeoe vfd d liafno tonobillumfbdtfim

pndthirl. Ldr`otfmj dppridbg tgoroay fs mit bustilor erfvom. Giwovor, tgo bimbopt rdefbdnny

bgdmjos wgom tgo dppridbg fs ldeo ay eovoniplomt irjdmfzdtfim.

Ugo tipfb ih tgfs bdso fs Djrf-Hfm prikobt ih Lorby Birps. Lorby Birps fs d _R adsoe irjdmfzdtfim

tgdt ipordtos jniadnny wftg d lfssfim ti wftg d lfssfim ti dnnovfdto pivorty- suhhorfmj-ipprossfim

ay gonpfmj poipno aufne soburo, prieubtfvo dme kust billumftfos wirnewfeo. Srijrdls ih Lorby

Birps fmbnueo- Djrf-Hfm Liafno, Djrfbunturdn Eovoniplomt, Bnfldto Bgdmjo, Bimhnfbt

Ldmdjolomt, Efsdstor Qfs` Qoeubtfim, Olorjomby Qospimso, Hiie Roburfty, Jiie Jivormdmbo,

Nibdn Sdrtmorsgfps dme Billumfty Liafnfzdtfim, Ldr`ot Eovoniplomt, Irjdmfzdtfimdn Nodrmfmj,

Suanfb Godntg Qosfnfombo, _radm Srijrdllfmj, Ziloms Olpiworlomt dme Jomeor dme Viutg

Eovoniplomt. Djrf-Hfm fs d pfnit prikobt rum ay Lorby Birps tgdt ihhors aumenoe sorvfbos ti

sldnngineor hdrlors tgriujg pdrtmorfmj wftg sorvfbo privfeors.

Djrf-Hfm eios mit ihhor dmy sorvfbo im fts iwm. Giwovor, ft fs tgo ldfm pndyor fm tgo wgino systol

ds ft arfmjs dnn tgo sorvfbo privfeors dme tgo hdrlors umeor imo ularonnd. Bgdnnomjo, rfs` dnn dro

gfjgor hir Djrf-Hfm. Ft hdbos bgdnnomjos wgfno nfm`fmj pdrtmors. Srianol drfsom hril pdrtmorfmj dme

ovom prianol ih sfmjno pdrtmor gdvo ti ao td`om fmti bimsfeordtfim ay Djrf-Hfm. Hir oxdlpno,

wgfno Djrf-Hfm wds dttolptfmj ti nfm` @DFUO dme ObiBdsg, rojfstrdtfim ih hdrlors ti ld`o liafno

pdylomts wds dm flpirtdmt hfrst stop fm ndyfmj tgo jriumewir` ti arfmj mulorius sorvfbos ti rurdn

hdrlors dme djri-auyors.

Lorby Birps Djrf-Hfm Liafno prijrdl pndys d aogfme tgo sbomos rino, wir`fmj ti aufne liro

rondtfimsgfps nf`o tgoso ti aumeno hfmdmbfdn dme djrfbunturdn devfsiry sorvfbos dme ld`o tgol

dvdfndano ti piir, rurdn hdrlors im liafno pgimos. Ugo trfb`y pdrt fs eosfjmfmj tgo Djrf-Hfm Liafno

pdrtmorsgfps si d vfdano vdnuo pripisftfim oxfsts hir odbg pndyor. Giw Djrf-Hfm fs jifmj ti ei tgfs fs

tgo untfldto quostfim miw.

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Udrjot Duefombo

Ugo bdso fs nfm`oe wftg;

4. Ausfmoss Rtrdtojy1. Eovoniplomt Rtuefos2. Ausfmoss Rtuefos5. Ldr`otfmj?. Uobgminijy8. Sdrtmorsgfp:.

Rurvoy

Gombo, stueomts hril dmy ih tgo lomtfimoe adb`jriumes dro wonbiloe ti ji tgriujg tgo

bdso.

Ugo bdso tonns tgo stiry ih Lorby Birps dme fts prikobt, Djrf-Hfm fm tgo bimtoxt ih [fladawo. Giw

tgo prikobt fs pndyfmj rino ti bgdmjo tgo nfvfmj bimeftfim ih hdrlors tgoro gds aoom pirtrdyoe fm

tgo bdso. Ri stueomts hril Eovoniplomt Rtuefos adb`jriume wfnn gdvo feod ronovdmt ti tgofr

stuey.

Djrf-Hfm ipordtos ay pdrtmorfmj wftg dnn itgor `oy pndyors. Rubbosshun pdrtmorsgfp ds d lodm

Ausfmoss Rtrdtojy fs d `oy fssuo ih tgfs bdso. Ugus, stueomts hril Ausfmoss Rtrdtojy, Ausfmoss

Rtuefos wfnn ao aomohftoe ay dmdnyzfmj tgfs bdso.

Ugo bdso bivors survoy dme tobgminijy aut fm d vory arfoh ldmmor. Aut giw survoy ftsonh fs brftfbdn

hir dmy subbosshun ausfmoss ipordtfim gds aoom pirtrdyoe fm tgo bdso. Fm deeftfim ih tgfs, giw

tobgminijy bdm ao utfnfzoe ds eovoniplomt tiin bdm ao bgob`oe fm tgfs bdso.

Ugo stiry ih Djrf-Hfm fm [fladawo hril tgo aojfmmfmj gds aoom prosomtoe fm tgfs bdso. Ri rodeor

bdm jdfm d jiie feod ih ldr`otfmj dppridbg wgfno ihhorfmj eovoniplomt rondtoe sorvfbos ti

jrdss riit poipno.

Ugo bdso bdm ao stuefoe ay poipno ih eovoniplomt irjdmfzdtfim, liafno hfmdmbfmj

irjdmfzdtfims, hfmdmbfdn fmstftutfims dme LMIs.

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Nodrmfmj Iakobtfvo

Aride Iakobtfvo;

Ui hfme iut d nimj-torl strdtojy hir Djrf-Hfm Liafno ti omsuro d sustdfmdano pdrtmorsgfp wftg dnn

vdnuo pdrtmors.

Rpobfhfb Iakobtfvos;

i Ui fnnustrdto tgo vdnuo pdrtmors ih Djrf-Hfmi Ui feomtfhy giw Djrf-Hfm fs nfm`oe wftg pdrtmorsi Ui fnnustrdto giw pdrtmors ih Djrf-Hfm dro nfm`oe wftg odbg itgori Ui feomtfhy giw Djrf-Hfm dbts ds d loefdtir dlimj dnn pdrtmorsi Ui feomtfhy giw liafno hfmdmbfmj fm tgo bdso ih Djrf-Hfm Liafno efhhors hril jomordn

liafno hfmdmbfmj

i Ui fnnustrdto wgdt vdnuos Djrf-Hfm bdm ihhor ti fts pdrtmorsi Ui hfme iut giw Djrf-Hfm Liafno usos fts fmmivdtfim ti hfx prianols hdboe ay fts pdrtmorsi Ui hfme iut giw Djrf-Hfm bdm omsuro tgo sustdfmdafnfty ih fts pdrtmorsgfp wftg dnn pdrtmors

Bdso Dmdnysfs

Dmdnysfs Hrdlowir`;

Ugo prfldry stop ih dmdnyzfmj tgo bdso fs ti ei d tgriujg SORUNO dmdnysfs. Ft wfnn jfvo flpirtdmt

fmsfjgt rojdrefmj huturo prispobt dme ippirtumfty ds wonn ds tgrodts hir efhhoromt pdrtmors ih Djrf-

Hfm liafno.

RZIU dmdnysfs ih Djrf-Hfm dme itgor pdrtmors wfnn ao gonphun fm feomtfhyfmj efhhoromt vdnuo tgdt bdm

ao ihhoroe ti pdrtmors ay Djrf-Hfm Liafno.

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Ugo list flpirtdmt pdrt wfnn ao tgo Jniadn Xdnuo Bgdfm Dmdnysfs. Ugfs wfnn gonp fm dmdnyzfmj giw

tgo wgino systol wir`s fm Djrf-Hfm Liafno. Giw Djrf-Hfm fs ihhorfmj vdnuos fm aumeno ti fts

bimsulors vfd vdnuo pdrtmors fs tgo list flpirtdmt stuey ih tgfs bdso. Jniadn vdnuo bgdfm

dmdnysfs wfnn jfvo eotdfn feod daiut odbg ih tgo pdrtmors ih Djrf-Hfm Liafno.

Eobfsfim Dntormdtfvos & Ugofr Ovdnudtfim;

Hril SORUNO, RZIU dme JXB dmdnysfs, rodeors bdm feomtfhy vdnuos tgdt Djrf-Hfm Liafno bdm ihhor

ti fts pdrtmors hir omsurfmj d sustdfmdano pdrtmorsgfp.

Ugo eobfsfim dntormdtfvos bdm ao ovdnudtoe adsoe im tgo hinniwfmj hdbtirs;

i Dnfjmlomt ih jidn tgriujg vdnuoi Litfvdtfim tgriujg ihhorfmj Xdnuo

Qideldp

Ovdudtfim ihRtrdtojfs

Eobfsfim Dntormdtfvos

Xdnuo hir Sdrtmors

JXB Dmdnysfs

RZIU Dmdnysfs

SORUNO Dmdnysfs

Hfjuro 2 ; Dmdnysfs Hrdlowir`

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Ovdnudtfim ih Dntormdtfvos hir Sdrtfbundr Sdrtmors;

4. Hdrlors Irjdmfzdtfims dro `oom ti wir` wftg Djrf-Hfm ds ft privfeos pndthirl ti aobimmobtoe wftg vdrfius sorvfbo privfeors. Ds subg irjdmfzdtfims dro mit prihft-ld`fmj

fmstftutfim0 tgoy dro mit bimbormoe wftg sustdfmdafnfty dme rovomuo. Xdnuo ihhoroe ti tgol

ay Djrf-Hfm sgiune ao fmtojrdtoe wftg tgofr bunturo

1. D brubfdn hdbtir wgfno pdrtmorfmj wftg LMIs fs tgo gosftdmbo ih LMIs ti dbbopt oxtormdnhumefmj hir flpnolomtdtfim ir eosfjm. Fh vdnuo ihhoroe ay Djrf-Hfm Liafno fs strimj omiujg

ti bimvfmbo LMIs fm dbboptfmj subg oxtormdn humefmj sgiune ao bimsfeoroe.

2. Hir aun` auyors pdrtmorfmj wftg Djrf-Hfm flpnfos livfmj hril bdsg ti vfrtudn burromby dmeiutsiurbfmj lubg ih tgo sottnolomt nijfstfbs wgfbg sdvos tgo auyor limoy dme tflo. Ugo

ldkir bgdnnomjo fm tgfs bimtoxt fs nflftoe tobgminijfbdn `miw giw ih tgo auyors. List

auyors gdvo nfttno `miwnoejo ih tobgminijy sinutfims im giw tgoy wir`, pdrtfbundrny hir

pdylomts. Ri wgfno privfefmj efjftdn pdylomt pndthirl ft fs ossomtfdn ti omsuro tgdt tgo

fmtrieubtfim ih tobgminijy fmti tgofr pribossos fs ds sodlnoss ds pissfano. Dmitgor brftfbdn

hdbtir fs tgo feomtfhfbdtfim ih auyor irjdmfzdtfim fh pro-oxfstfmj rondtfimsgfps dro mit fm

pndbo ds list auyors dro mit giusogine mdlos.

5. Adm`s dro liro fmtorostoe fm nimj-torl nomefmj wgfbg fs mit tgo bdso hir hdrlors. Fmdeeftfim wftg tgfs, adm`s ldy hfme ft rfs`y ti nome wftgiut `miwfmj lubg daiut bimsulor

sojlomt. Djrf-Hfm Liafno gds ti dbtfvony nii` hir strdtojfos ti auy eiwm nomefmj rfs`, subg

ds fmtrieubfmj mow broeft rdtfmj sorvfbos, ti ipom up broeft fm tgo ldr`ot.

Dssfjmlomt Tuostfim

4. Zgi dro tgo `oy pdrtmors ih Djrf-Hfm Liafno91. Giw eios Djrf-Hfm ihhor sorvfbos fm aumeno vfd binndairdtfim wftg pdrtmors92. Zgdt vdnuos eios Djrf-Hfm bdm dee ti tgofr fmefvfeudn pdrtmors95. Zgdt dro tgo `oy hdbtirs hir Djrf-Hfm ti omsuro sustdfmdano pdrtmorsgfp wftg `oy pdrtmors9?. Zgdt sgiune ao tgo strdtojy tgriujg wgfbg Djrf-Hfm bdm omsuro sustdfmdano pdrtmorsgfp

wftg vdnuo pdrtmors9

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Uodbgfmj Sndm

Ugo todbgfmj wfnn ao bimeubtoe fm tgroo pgdsos. Fm tgo hfrst pgdso, stueomts wfnn ao tdujgt daiut

eovoniplomt irjdmfzdtfim dme tgofr dbtfvftfos. Fm tgfs pgdso Lorby Birps dme Djrf-Hfm liafno wfnnao tgo hibus.

Fm sobime pgdso, stueomts wfnn nodrm daiut liafno hfmdmbfmj. Giw eios liafno hfmdmbfmj wgfno

dro aofmj ihhoroe ti hdrlors efhhor hril liafno hfmdmbfmj fm jomordn wfnn ao tgo hibdn pifmt ih

sobime pgdso.

Fm tgfre pgdso, tgo hibus wfnn ao tgo efhhoromt pdrtmors ih Djrf-Hfm Liafno. Giw tgoy dro privfefmj

vdnuo ti tgo bimsulors, hdrlors wfnn ao dmdnyzoe fm tgfs pgdso.

Fm tgo hfmdn pgdso, stueomts wfnn aufne up strdtojy hir Djrf-Hfm ti omsuro sustdfmdano pdrtmorsgfp.

Dmdnytfbdn Uiins ti ao usoe

4. Bilpdrdtfvo SORUNO dmdnysfs ih [fladawo1. Xdnuo-Bgdfm Dmdnysfs2. Jniadn Xdnuo Bgdfm Dmdnysfs5. UUH Hrdlowir`?. RZIU Dmdnysfs ih Djrf-Hfm8. RZIU Dmdnysfs ih Rorvfbo Srivfeors/Sdrtmors

Qobillomeoe Qodefmj

i Djrf-Hfm fm Fmeimosfdi Djrf-Hfm fm _jdmedi Liafno Hfmdmbfmj fm [fladawoi Eovoniplomt Irjdmfzdtfims fm [fladawo

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