24
\gjci an haetiet Rgrt Ea. \ a poh Egmi Ixihutovi Xummgry  Rgrt0 27 7.2 Oetraluhtoae 7.7Jghkdrauel an stuly0 7.: Xhapi an tfi ripart0 7.8 !"ihtovi0 7.# $itfala%ady0 7.& 'omotgtoae an stuly0  Rgrt0 2: :.2 (eg%ysos  Rgrt0 28 8.7 )oeloeds 8.: *ihammielgtoaes (eeixuri

Final Business Research Report

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\gjci an haetiet 

Rgrt Ea. \apoh Egmi

Ixihutovi Xummgry

 Rgrt0 27

7.2 Oetraluhtoae

7.7Jghkdrauel an stuly0

7.: Xhapi an tfi ripart0

7.8 !"ihtovi0

7.# $itfala%ady0

7.& 'omotgtoae an stuly0

 Rgrt0 2: :.2 (eg%ysos

 Rgrt0 28

8.7 )oeloeds

8.: *ihammielgtoaes

(eeixuri

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Ixihutovi Xummiry

 \fi Oetireit os aei an tfi drigtist rihiet glvgehimiet oe tfi warcl an oenarmgtoaetihfeacady gel fgs jihami g usinuc oestrumiet tfgt fgs nastiril tfi prahiss anmgkoed tfi warcl g dcajgc voccgdi. \fi Oetireit pravolis sivirgc appartueotois nartfi ghglimog. Ot os g mihfgeosm nar oenarmgtoae lossimoegtoae gel g miloum narhaccgjargtovi oetirghtoae jitwiie oelovolugcs gel tfior hamputirs wotfaut ridgrl nardiadrgpfoh comotgtoae an spghi.

   \fraudfaut tfi warcl, Mgrkitir gel Haesumir JuyoedJifgvoar (HJJ gri hfgedoed tfi nghi an iluhgtoae. Ot fgs jiie grduil tfgt tfi, on gmgrkitir hge olietony HJJ, fi ar sfi wocc ji oe jittir pasotoae ta tgrdit praluhts gelsirvohis gt tfim. \fi Oetireit wgs oeotogccy livicapil jy tfi !" #iniesi

#ipgrtmiet gel wgs gt aei tomi aecy papucgr wotfoe tfi risigrhf hammueoty. Otsgjocoty ta sfgri oenarmgtoae ghrass ardgeo$gtoaes gel ta oetirght wotf piapci gt cawhast fgs drglugccy ietohil atfir sihtars ta i%pcari ots usi. \algy, tfi Oetireit fgsge ompght ae iviry nghit an aur coni oehculoed jusoeiss apirgtoae, iluhgtoae,hammueohgtoae, ietirtgoemiet, sahogc ghtovoty, sfappoed, gel sa ae. Mgeyueovirsotois grauel tfi warcl gri i%pgeloed tfior oevistmiet oe oenarmgtoaetihfeacady (O\, gel spiho&hgccy tfi Oetireit, gel gri ghtovicy pramatoed Oetireitusi. 'ram g stuliets pirspihtovi, cigreoed usoed aecoei taacs os muctolomiesoaegc. Otmgy ietgoc g muctotuli an vgrogjcis suhf gs proar stuliet keawcildi an O\,i%piroiehi oe ots usgdi, pirhiptoaes an O\ usgdi, hamputir hampitiehois, geljghkdrauel limadrgpfohs.

 \fi Oetireit os tfi warcls cgrdist gel mast wolicy usil eitwark. Ot os geoetiregtoaegc eitwark an eitwarks tfgt os g haccihtoae an fuelrils an tfausgels an provgti gel pujcoh eitwarks gcc avir tfi warcl. \firi gri rohf gel vgroil cigreoedi%piroiehis gvgocgjci ae tfi Oetireit tfgt waucl fgvi jiie oehaehiovgjci )ust gsfart wfoci gda.

 \fi Oetireit fgs g rgedi an hgpgjocotois tfgt ardgeo$gtoaes gri usoed ta i%hfgedioenarmgtoae oetiregccy ar ta hammueohgti i%tiregccy wotf atfir ardgeo$gtoaes. \fipromgry oenrgstruhturi nar i*hammirhi, i*jgekoed, i*jusoeiss, i*cigreoed gel vortugccojrgry os pravolil jy tfi Oetireit tihfeacady. \fi Oetireit pravolis sivirgcappartueotois nar gcc ghglimog, jusoeiss ardgeo$gtoaes, tfi impcayil gel tfiueimpcayil, tfi yaued gel tfi acl. \fi Oetireit os g +covi haestgetcy +mavoed,

tfiaritohgccy jarlirciss, patietogccy oe&eoti spghi nar tfi praluhtoae gel horhucgtoaean oenarmgtoae. \fi Oetireit modft tfus ji lishrojil gs g +sig an oenarmgtoae,haetgoeoed ti%ts wfohf gri eat fausil jitwiie cojrgry gel jaaksfap wgccs gelsuj)iht grigs spge ghrass gcc &icls an keawcildi. \fi Oetireit hge ji usil nar atfirtfoeds jisolis imgoc.

ei hge costie ta oetiregtoaegc rgloa stgtoae ae risigrhf gel iluhgtoae ae tfiOetireit, rigl egtoaegc lgocois an atfir hauetrois, spigk ta nroiels grauel tfi dcajgc,rigl jaaks gel atfir mgtirogcs ae tfi Oetireit. \fi cost an tfoeds tfgt hge ji laei

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ae tfi Oetireit os g viry caed aei. \fi Oetireit haetgoes mari oenarmgtoae tfge tfiwarcls cgrdist cojrgrois wotf ghhiss ta tfi Oetireit aei hge ritroivi oenarmgtoaenram tfi warcls cgrdist oenarmgtoae lgtgjgsi.

Rgrt0 27

Oetraluhtoae

7.7 Jghkdrauel an stuly0

+i gri tfi stuliet an Jged%glisf ,eovirsoty an Jusoeiss - ihfea%ady /J,J. )ar ghfoivoed

tfi JJ( lidrii i fgvi ta haeluht sami haursis. (hharloed ta tfi haursi haeluht ea i gri

hamp%itoed tfi *isigrhf $itfala%ady nar Jusoeiss. *isigrhf $itfala%ady nar Jusoeiss os g

 prghtohg% gel tfiaritohg% haursi. Jisoli tfi tfiaritohg% kea%ildi prghtohg% kea%ildi os viry

muhf ompartget nar dittoed gppraprogti kea%ildi g!aut tfi risigrhf prahiluri. Oe tfos prahiss

i get ta haeluht g risigrhf fohf os Ompght an oetireit nghooty oe yaued dieirgtoae<. ur 

faearg!%i tighfir X.$. 9gsom (>gl Xor gppravil tfos tapoh.

7.! Xhapi an t"i ripart0 

fi shapi an tfi ripart os %omotil otfoe tfi 4fgkg hoty.  \fos ripart os ge gegcysos ae oe

fohf purpasi tfi yaued dieirgtoae usis tfi oetireit fgt os tfior ixpihtgtoae nram tfi sirvohi

 pravolir6 fa mgey tomis tfiy spiel !y usoed oetireit tfiy gri sgtosnoil ar lossgtosnoil otf tfi

hurriet ngho%oty. Ot os eat passo!%i nar us ta stuly tfi avirg%% tihfea%adohg% /oetireit sihtar 

 pirniht%y otf prapir oenarmgtoae. Ivie gntir tfgt i fgvi troil ta dovi ot g stgelgrl narm otf

%omotil oenarmgtoae.

7.8 Xodeonohgehi an t"i #ipart

fi ripart authami o%% fi%p ta uelirstgel tfi ompght an oetireit ae yaued dieirgtoae nram lonnirietgspihts gel fi%p ta priviet tfi mosusi an oetireit.

7.< $%&ihtovi an t"i #ipart

a %igre tfi prahiluri fa ta la ge innihtovi risigrhf i hfaasi   tfi tapoh?  Ompght an oetireit ae

yaued dieirgtoae oe '"gkg hoty. +i fgvi troil ta noeosf tfos spihonoh risigrhf pra"iht gt aur !ist . (%aed

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otf tfgt ta nu%no%% tfi riuorimiet an aur !usoeiss risigrhf haursi /J,X #2& oe g rig%ostoh gel prghtohg%

gy fgt i duiss ot o%% !i fi%pnu% nar us oe tfi rig% "a! noi%l.

7.(.7 J#$)' $J*I+\O,I0

a dgoe litgo%il uelirstgeloed ae tfi mgoe ompghts an oetireit ae yaued dieirgtoae oe 4fgkg hoty.

7.(.!

a !ittir uelirstgel tfi ri%gtoaesfop fa tfi oetireit gnnihts ueovirsoty stuliet;s %igreoed.

a ivg%ugti fitfir os tfior gey ri%gtoaesfop !itiie tfi usgdi an oetireit gel stuliets ghglimoh

 pirnarmgehi

a olietony tfi pra!%ims an tfi pra"ihtil risigrhf.

a litirmoei tfi oen%uiehi an oetireit usoed ae yaued piap%i an 4fgkg.

a litirmoei fgt nghtars gri ri%gtil ta oetireit usi. a litirmoei tfi ompghts an oetireit.

a litirmoei tfi ompghts an oetireit ae stuly.

a litirmoei fy yaued piap%i prinir oetireit.

a olietony tfi rispaeliets apoeoaes g!aut oetireit.

Ompartgehi an oetireit nar rurg% livi%apmiet.

-. Comotgtoaes an tfi Zipart 

-omotgtoae an stuly0

+i gri viry muhf ei oe tfisi gspihts sa i fgvi sami %omotgtoae !y tfi pripgroed an tfosripart. +i fgvi nghil sami pra!%im. fasi gri0

(s ot gs aur norst prghtohg% ixpiroiehi nar pripgroed g ripart sa sami irrars modft !i

ahhurril. faudf i fgvi troil aur !ist ta gvaol mostgkis. fi sgmp%i so>i os taa smg%% sa tfi risu%t mgy eat !i ghhurgti.

R)#\ 7.!.

R#$J-I/ 'OX+$,I#  'I:OEO\O$E

fos stuly hau%l !i !ieinohog% nar stuliet gs i%% gs nar oestotutoaes. fi vg%ug!%i niil!ghk nram 722stuliets sfau%l fi%p stuliet ta rig%o>i tfi !ieinots an oetireit oe tfior iluhgtoae. Oestotutis hge oevist mari

oe oetireit ngho%otois ta iefgehi tfi pirnarmgehi an tfior stuliets gel praluhi !ittir risu%ts.

fos risigrhf o%% mgoe%y impfgsos ae tfi ompght an oetireit ae yaued dieirgtoae oe 4fgkg hoty

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R)#\7.8.

/I\<$'$-$9

8.7 \ypi an #isigrh"0

fos os ge Ixpcargtary typi an risigrhf. fos risigrhf o%% fi%p us ta hrystg%%o>i tfi ompghts gel gnnihts

ae tfi sahoity tfgt os ahhurril !y aur yaued dieirgtoae.

8.! Xaurhis an oenarmgtoae0

Oe tfos ripart g%% eihissgry oenarmgtoae gri ha%%ihtil nram promgry saurhis an lgtg.

Rromgry saurhis0 3romgry saurhi os uistoaeegori surviy. Ot os tfi systimgtoh ha%%ihtoae

an oenarmgtoae loriht%y nram rispaeliets

8.8 #ipart ivgugtoae pripgrgtoae oestrumiet0

  4gtg fgs geg%y>il - ripart pripgril !y usoed ?

$X Ixhi%

$X +arl

$ihfgeohg% 4ivohis>hg%hu%gtar

8.( 9raup 'oshussoae0

 +i fgvi loshussil otf g draup oeh%uli & mim!irs ta geg%y>i lgtg gel pripgri tfi ripart ae Ompghts an oetireit ae yaued Dieirgtoae oe Lfgg hoty !gsil ae ri%gtil lgtg tfgt i fgvi ha%%ihtil - hg%hu%gtil.

+i taak fi%p nram aur faearg!%i haursi tighfir $r. X. $. 9gsom (>gl.

R)#\7.(.

XI-I+\O$E $: #IXI)#+< /$'I-

<.7 Zisigrhf Lisodefi tapoh an tfos risigrhf mgoe%y oeva%vis otf ha%%ihtoae an promgry lgtg. fos ha%%ihtoae os laei tfraudf

surviy mitfal otf rottie uistoaeegori. fi surviy fgs pirnarmil !gsil ae pirsaeg% oetirvoi gel

gs haeluhtil gt tfi rispaeliets; ueovirsotois - ha%%idis ta olietony - si%iht yaued piap%i gs sgmp%i nar 

aei?ta?aei nghi?ta?nghi haevirsgtoae. Xurviy uistoaes iri saudft ta dgtfir !atf ug%otgtovi gel

ugetotgtovi lgtg g!aut tfi sgmp%i. fi egturi an uistoaes usil oe tfi uistoaeegori gs mgoe%y somp%i?

lohfatamy uistoaes otf ni litirmoeget?hfaohi uistoaes nriuiehy?litirmoegtoae uistoaes gttotuli

rgtoed shg%i gel apie?ielil uistoaes.

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Oe risigrhf lisode i fgvi prihosi fgt lgtg ta dgtfir nram fam fa ta ha%%iht gel fa ta

oevistodgti tfi lgtg a!tgoeil.

<.: Aj`ihtovi an usoed tfi quistoaeegori

fi fa%i ripart os !gsil mast%y ae promgry oenarmgtoae !gsil ae fohf tfi uistoaeegori fgs !iielisodeil ta ha%%iht ri%ivget oenarmgtoae. fi surviy mitfal fgs !iie si%ihtil gs tfi risigrhf taa% nar 

na%%aoed rigsaes.

)hhurghy an #ipart0 Xurviy os tfi !ist gy ta risigrhf. =uistoaeegori os aei koel an taa% an 

surviy risigrhf. Xa i usil ot.

\omi innohoiehy0  +i fgl tomi haestrgoets gel dittoed uistoaeegoris no%%il up !y tfi

rispaeliets gs g%sa tomi?haesumoed sa mgkoed sfart narmgt uistoaeegori.

+aevieoiehi0 =uistoaeegori lisode os g somp%ir gel igsoir gy ta ha%%iht rispaesis gel

haeluht tfi surviy. Xa ot gs haevieoiet nar us ta usi tfos taa%.

+ast innohoiehy0 +i nauel tfgt tfos mitfal gs ri%gtovi%y hfigpir gs i ae%y eiilil ta

 proet g hapy gel tfie mgki hapois an ot gel tfie lostro!uti tfim ta tfi rispaeliets. 

-iss passo%ooty an dittoed 4raed oenarmgtoae0  5iri on tfi rispaeliet lol eat

uelirstgel gey migeoed an tfi uistoaeegori tfie i hau%l igso%y mgki tfim uelirstgel. Xa

tfiri gs %iss passo!o%oty an mgkoed mostgki.

<.8 Migsurimiet Xhgis

(t norst fie i fgvi pripgril uistoaes i fgvi troil ta gvaol %igloed gel %agloed uistoaes lau!%i

 !grri%il uistoae gel gm!oduoty. +i fgvi mgli aur uistoaes ri%ivget tfgt os suppartovi nar us ta sa%vi

aur risigrhf pra!%im.

a migsuri tfi gttotuli ar rispaesi an tfi rispaeliets ae uistoaes an risigrhf tapoh i fgvi usil

sivirg% migsurimiet shg%is oe aur uistoaeegori %oki?

Xomp%i (ttotuli shg%i.

1gtidary shg%i.

'okirt shg%i.

$aegloh *gtoed shg%i ith.

R)#\ 7.6.X)/R-I 'IXO9E

6.7 Xgmpi siihtoae

Oe aur risigrhf i fgvi nahusil mgoe%y ae tfi yaued gdil ispihog%%y tfi stuliets an ha%%idis -

ueovirsotois oe tfi 4fgkg hoty. ur surviy fgs haeluhtil !gsil ae  !ae"prajgjocoty sgmpcoed tihfeo#uis.

+i fgvi usil $ae%ieoiehi sgmpcoed   nar tfi purpasi an tfos risigrhf ta si%iht aur riuoril sgmp%i

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rispaeliets. Oetirvoiirs fgvi rgelam%y mavil tagrl rispaeliets gvgo%g!%i gt lonniriet %ahgtoaes an 

ha%%idis gel ueovirsotois nar sgmp%i si%ihtoae. fos mitfal fgs usil lui ta oegliugti tomi gel risaurhi

haestrgoes. (%tfaudf tfos mitfal mgy eat riprisiet tfi ghtug% oesodft an tfi papu%gtoae ot fgs rgpol%y

laei nar ghhiptg!%i authamis. *ispaeliets fgs si%ihtil eae?rgelam%y nram tfi %oki%y stuliets an 

lonniriet ha%%idis gel ueovirsotois.

6.! 'itirmoei Xgmpi so?i

,soed stgtostohg% taa%s ta litirmoei sgmp%i so>i au%l fgvi limgelil tfi eiil nar hg%hu%gtoaes ae vgroaus

atfir nghtars !ut nar tfi tomi haestrgoes - haevieoiehi sgmp%oed tihfeoui eaei an tfgt gs riuoril.

Xa aur faearg!%i haursi tighfir fgs sit aur sgmp%i so>i. fi tatg% sgmp%i so>i os 722.

6.8 Xummgry an avirg sgmpi lisode

fi avirvoi an tfi sgmp%i lisode tfgt i fgvi haesoliril nar aur spihonoh risigrhf ae tfi si%ihtil

tapoh &Ompght an oetireit ae yaued dieirgtoae oe Lfgg hoty'( os summgro>il !i%a?

grdit 3apu%gtoae0 fa usis oetireit gel stuliet an ha%%idi - ueovirsoty. Olietonyoed surviy papu%gtoae os aei an tfi hrotohg% pgrts an tfi risigrhf. On papu%gtoae os eat

linoeil prapir%y tfie i mgy eat dit ghtug% risu%t nram tfi risigrhf. 3apu%gtoae os uoti lonniriet

nar lonniriet risigrhf pra!%ims. fi piap%i fa sfgri hammae hfgrghtirostohs gri hg%%il

 papu%gtoae.

5iri aur tgrdit papu%gtoae os yaued dieirgtoae fa usi oetireit. +i fgvi mgoe%y haesoliril

stuliets an ha%%idis - ueovirsotois oe 4fgkg hoty.

Xgmp%i0 +i fgvi tgkie 722 si%ihtil rispaeliets /stuliets.

Xgmp%oed 3rahiluri0

 9ae?pra!g!o%oty sgmp%oed tihfeouis. +i fgvi ispihog%%y nahusil ae 1aevieoiehi sgmp%oed.

R)#\ 7..

:$#/ $: )E)-XOX $: X)/R-I  $JXI#,)\O$EX 

:ri;uiehy0 i !rigkup tfi sgmp%is gdi iluhgtoae oehami %ivi% nriuiet an smakoed lgo%y

spiel ae hodgritti %aedist tomi an usoed oetireit.

+i fgvi laei /ige3 /iloge /ali ae tfi sodeonohget sgmp%i sidmiets.

+i fgvi g%sa olietonoil Xtgelgrl livogtoaes an tfi ri%gtovi lgtg.

R)#\ 7.=.

/I\<$' $: $J\)OE ')\)

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(ntir dittoed g%% tfi uistoaeegoris no%%il up ighf an tfi uistoaes gs halil g%aed otf tfi vgrog!%is -

trgesnarmil tfi ug%otgtovi lgtg oeta ugetotgtovi. 5iri g%% an tfi aptoaes oe ighf an tfi uistoaes gri

ietiril ta mgki g lgtg!gsi. fos lgtg!gsi /lgtg sfiits tfie fgs !ihamis tfi saurhi an nuturi geg%ysos.

+otf tfi fi%p an tfi lgtg sfiits tfie ot fgs !iie geg%y>il !y usoed vgroaus mitfals %oki? nriuiehy

gvirgdi stgelgrl livogtoae ha?innohoiet an vgrogehi harri%gtoae gel ridrissoae.

R)#\ 7.5.

'I,I-$ROE9 \<I ')\) )E)-XOX

Oe tfos narm dovie !i%a i fgvi geg%y>il aur ha%%ihtil lgtg an uistoaeegori surviy?

 I)otoed0 Ilotoed os tfi prahiss an hfihkoed tfi lgtg nar eihissgry harrihtoaes. +i nauel lonniriet

typis an irrars oe rispaesis?sami an tfi uistoaes iri eat no%%il up prapir%y sami an tfim iri

%int oehamp%iti. +i getil ta gvaol mossoed vg%uis gs muhf gs passo!%i. +i g%sa harrihtil samian aur mostgkis oe tfi iel fohf i mgli fo%i geg%y>i.

$a)oed0 Ighf uistoae gs !ioed halil ta g hamputir riglg!%i narm. +i fgvi trgesnarmil tfi

ug%otgtovi lgtg oeta ugetotgtovi. fie tfi lgtg iri ietiril nram tfi uistoaeegoris. fos gs

tomi haesumoed gel eiilil muhf sko%%. /+ali0 is1 )drii 73 Ea1 'osgdrii !B

 Lgtg ietry0 (ntir ietiroed g%% tfi rispaesis nram ighf uistoae tfi lgtg ietiroed pgrt gs laei.

fie i prahiilil nargrl nar tfi noeg% "a! fohf gs geg%ysos.

 Lgtg *egcysos0  Jy usoed $X Ixhi% i put tfi narmu%g gel tfie tfi santgri gutamgtohg%%y

dgvi us tfi risu%t. +i fgvi dat g eum!ir an tg!%is hfgrts !y tfos prahiss. fie i prahiilil nar 

tfi lgtg haevirsoae gel oetirpritgtoae pgrt.

 Lgtg hae%irsoae0  (%% tfi geg%y>il risu%t sfiits fgvi haevirtil oeta mgegdirog%%y

uelirstgelg!%i narm. +i haevirtil tfim ta arl lahumiets mgli tg!%is drgpfs gel rati tfi

geg%ysos otf arls.

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 Rgrt0 2:

'gtg )egysos

Oetireit os eihissgry nar stuliet0

7 Oetireit os eihissgry nar

stuliet

:ri;uiehy >nB #: +: #+:

Xtraed%y (drii B2 .B2 B2 .B2

(drii8: .8: G: .G:

 9iutrg% .2 722 7

4osgdrii 2 2 722

Xtraed%y 4osgdrii 2 2 722

atg% 722

Ixhiss usi an Oetireit "gmpirs stuly0

Ixhiss usi an Oetireit "gmpir stuly:ri;uiehy

>nB#: +: #+:

Xtraed%y (drii 8 .8 8 .8

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(drii## .## : .:

 9iutrg% 72 .72 G: .G:

4osgdrii 2 .2 722 7

Xtraed%y 4osgdrii 2 2

atg% 722

Oetireit nghooty oe t"i usirGs hamputirs0

Oetireit nghooty oe t"i usirs

hamputirs

:ri;uiehy

>nB #: +: #+:

His LL .LL LL .LL

 9a :8 .:8 722 7

atg% 722

"gt typi an oetireit nghooty la u "gviH

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7. La yau fgvi g hamputir   

Mige 7.7<

Xtgelgrl Irrar 2.28

Miloge 7

Mali 7

Xtgelgrl Livogtoae 2.89

Xgmpci ^grogehi 2.7:

ge!i 7"aenoliehi #ivic$%9.2&' 2.2(

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Miloge :

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9. Tfohf koel an oetireit nghocoty la yau fgvi1  

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Xtgelgrl Livogtoae 2.<*

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Xgmpci ^grogehi 2.29

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Xgmpci ^grogehi 2.*)

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Xgmpci ^grogehi 2.2)

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Jy geg%y>oed i fgvi dat vgrois typis an oenarmgtoae ri%gtil ta usi pn oetireit ae yaued dieirgtoae

- ots ompght. +i gri daoed ta paoet aut tfasi ossuis?

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Jihgusi ot viry lo<huct ta tghkci g yaued nram tfi mosusi an oetireit

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