{"id":3187,"date":"2022-04-26T05:53:23","date_gmt":"2022-04-26T05:53:23","guid":{"rendered":"http:\/\/www.thayninga.org\/?p=3187"},"modified":"2022-04-26T05:53:23","modified_gmt":"2022-04-26T05:53:23","slug":"sme-1","status":"publish","type":"post","link":"https:\/\/thayninga.org\/2022\/04\/26\/sme-1\/","title":{"rendered":"\u1010\u1090\u102f\u1010\u1039\u104a \u1021\u102c\u1006\u102e\u101a\u1036\u108f\u103d\u1004\u1037\u1039 \u1016\u103c\u1036\u1036\u1094\u107f\u1016\u102d\u1033\u1038\u1006\u1032\u108f\u102d\u102f\u1004\u1039\u1004\u1036\u1019\u103a\u102c\u1038\u1019\u103d \u1021\u1031\u101e\u1038\u1005\u102c\u1038\u104a \u1021\u101c\u1010\u1039\u1005\u102c\u1038 \u101c\u102f\u1015\u1039\u1004\u1014\u1039\u1038\u1019\u103a\u102c\u1038 &#8211; \u1000\u102d\u102f\u1017\u1005\u1039-\u1041\u1049 \u104f \u1006\u102d\u102f\u1038\u1000\u103a\u102d\u1033\u1038\u101e\u1000\u1039\u1031\u101b\u102c\u1000\u1039\u1019\u1088\u1000\u102d\u102f \u1031\u1000\u103a\u102c\u1039\u101c\u108a\u102c\u1038\u103b\u1001\u1004\u1039\u1038\u108f\u103d\u1004\u1037\u1039 \u1021\u1014\u102c\u1002\u1010\u1039\u1021\u101c\u102c\u1038\u1021\u101c\u102c\u1019\u103a\u102c\u1038"},"content":{"rendered":"<p style=\"text-align: center;\"><span style=\"font-size: 14pt;\"><strong>\u1010\u1090\u102f\u1010\u1039\u104a<\/strong> <strong>\u1021\u102c\u1006\u102e\u101a\u1036\u108f\u103d\u1004\u1037\u1039<\/strong> <strong>\u1016\u103c\u1036\u1036\u1094\u107f\u1016\u102d\u1033\u1038\u1006\u1032\u108f\u102d\u102f\u1004\u1039\u1004\u1036\u1019\u103a\u102c\u1038\u1019\u103d<\/strong> <strong>\u1021\u1031\u101e\u1038\u1005\u102c\u1038\u104a<\/strong> <strong>\u1021\u101c\u1010\u1039\u1005\u102c\u1038<\/strong> <strong>\u101c\u102f\u1015\u1039\u1004\u1014\u1039\u1038\u1019\u103a\u102c\u1038<\/strong><strong> &#8211;<\/strong><\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 14pt;\"><strong>\u1000\u102d\u102f\u1017\u1005\u1039<\/strong><strong>&#8211;<\/strong><strong>\u1041\u1049<\/strong> <strong>\u104f<\/strong> <strong>\u1006\u102d\u102f\u1038\u1000\u103a\u102d\u1033\u1038\u101e\u1000\u1039\u1031\u101b\u102c\u1000\u1039\u1019\u1088\u1000\u102d\u102f<\/strong> <strong>\u1031\u1000\u103a\u102c\u1039\u101c\u108a\u102c\u1038\u103b\u1001\u1004\u1039\u1038\u108f\u103d\u1004\u1037\u1039<\/strong> <strong>\u1021\u1014\u102c\u1002\u1010\u1039\u1021\u101c\u102c\u1038\u1021\u101c\u102c\u1019\u103a\u102c\u1038<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 12pt;\"><strong>\u1005\u1000\u102c\u1038\u1001\u103a\u102e\u1038<\/strong><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 12pt;\">\u1042\u1041 \u101b\u102c\u1005\u102f\u108f\u103d\u1005\u1039\u1021\u1010\u103c\u1004\u1039\u1038 \u1000\u102d\u102f\u1017\u1005\u1039-\u1041\u1049 \u1000\u1030\u1038\u1005\u1000\u1039\u1031\u101b\u102c\u1002\u102b\u101e\u100a\u1039 \u1000\u1019\u107b\u102c\u1080\u1000\u102e\u1038\u1021\u1010\u103c\u1000\u1039 \u1005\u102d\u1014\u1039\u1031\u1001\u105a\u1019\u1088\u1080\u1000\u102e\u1038\u1019\u102c\u1038\u1005\u103c\u102c\u103b\u1016\u1004\u1037\u1039 \u1090\u102d\u102f\u1000\u1039\u1001\u1010\u1039\u1001\u1032\u1037\u101e\u100a\u1039\u104b\u00a0 \u1000\u102d\u102f\u1017\u1005\u1039-\u1041\u1049 \u1000\u1030\u1038\u1005\u1000\u1039\u1031\u101b\u102c\u1002\u102b\u101e\u100a\u1039 \u1021\u1001\u103a\u102d\u1014\u1039\u1010\u102d\u102f\u1021\u1010\u103c\u1004\u1039\u1038 \u1010\u1005\u1039\u1000\u1019\u102c\u107b\u101c\u102f\u1036\u1038\u1000\u102d\u102f \u101c\u103a\u1004\u1039\u103b\u1019\u1014\u1039\u1005\u103c\u102c \u1015\u103a\u1036\u1095\u108f\u103d\u103d\u1036\u1094\u1001\u1032\u1037\u107f\u1015\u102e\u1038 \u1000\u1019\u102c\u107b\u101c\u102f\u1036\u1038\u1006\u102d\u102f\u1004\u1039\u101b\u102c \u1000\u103a\u1014\u1039\u1038\u1019\u102c\u1031\u101b\u1038\u103b\u1015\u1086\u1014\u102c\u1021\u1031\u1014\u103b\u1016\u1004\u1039\u1037 \u1021\u1006\u102d\u102f\u1038\u101b\u103c\u102c\u1038\u1006\u1036\u102f\u1038 \u1090\u102d\u102f\u1000\u1039\u1001\u1010\u1039\u1001\u1032\u1037\u101e\u100a\u1039\u104b<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 12pt;\">John Hopkin \u1010\u1000\u1060\u101e\u102d\u102f\u101c\u1039\u1019\u103d \u1031\u1000\u102c\u1000\u1039\u101a\u1030\u1011\u102c\u1038\u101b\u103d\u102d\u1031\u101e\u102c \u1000\u102d\u102f\u1017\u1005\u1039-\u1041\u1049 \u1005\u102c\u101b\u1004\u1039\u1038\u1019\u103a\u102c\u1038\u1021\u101b \u107f\u1015\u102e\u1038\u1001\u1032\u1037\u101e\u100a\u1037\u1039 \u1042\u1040\u1042\u1041 \u1001\u102f\u108f\u103d\u1005\u1039\u104a \u1007\u103c\u1014\u1039\u101c\u1010\u103c\u1004\u1039 \u101c\u1030\u1031\u1015\u102b\u1004\u1039\u1038 (\u1043) \u101e\u1014\u1039\u1038\u1001\u103c\u1032\u1031\u1000\u103a\u102c\u1039 \u1031\u101e\u1006\u102f\u1036\u1038\u1031\u1005\u1001\u1032\u1037\u107f\u1015\u102e\u1038 \u101c\u1030\u1031\u1015\u102b\u1004\u1039\u1038 (\u1041\u1047\u1041) \u101e\u1014\u1039\u1038\u1031\u1000\u103a\u102c\u1039 \u1000\u1030\u1038\u1005\u1000\u1039\u1031\u1005\u1001\u1032\u1037\u101e\u100a\u1039\u104b \u1042\u1040\u1042\u1042 \u1001\u102f\u108f\u103d\u1005\u1039\u104a \u1027\u107f\u1015\u102e\u101c\u1021\u1011\u102d \u101c\u1030\u1031\u1015\u102b\u1004\u1039\u1038 (\u1045\u1040\u1045) \u101e\u1014\u1039\u1038\u1031\u1000\u103a\u102c\u1039 \u1000\u1030\u1038\u1005\u1000\u1039\u1001\u1032\u1037\u107f\u1015\u102e\u1038 \u101c\u1030\u1031\u1015\u102b\u1004\u1039\u1038 \u1046 \u101e\u1014\u1039\u1038 \u1042 \u101e\u102d\u1014\u1039\u1038 \u1031\u1000\u103a\u102c\u1039 \u1031\u101e\u1006\u102f\u1036\u1038\u1001\u1032\u1037\u101b\u101e\u100a\u1039\u104b \u1021\u1011\u1000\u1039\u1015\u102b \u1005\u102c\u101b\u1004\u1039\u1038\u1021\u101b \u1042\u1040\u1042\u1041 \u1001\u102f\u108f\u103d\u1005\u1039\u104a \u1007\u103c\u1014\u1039\u101c\u1019\u103d \u1042\u1040\u1042\u1042 \u1001\u102f\u108f\u103d\u1005\u1039\u104a \u1027\u107f\u1015\u102e\u101c \u1021\u1010\u103c\u1004\u1039\u1038 \u1031\u101e\u1006\u102f\u1036\u1038\u1019\u1088 \u1042 \u1006 \u1014\u102e\u1038\u1015\u102b\u1038\u101b\u103d\u102d\u1001\u1032\u1037\u107f\u1015\u102e\u1038 \u1000\u1030\u1038\u1005\u1000\u1039\u1019\u1088\u108f\u1088\u1014\u1039\u1038\u101e\u100a\u1039 \u1043 \u1006\u1031\u1000\u103a\u102c\u1039 \u103b\u1019\u1004\u1037\u1039\u1010\u1000\u1039\u1001\u1032\u1037\u101e\u100a\u1039\u104b<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 12pt;\">\u1000\u102d\u102f\u1017\u1005\u1039 &#8211; \u1041\u1049 \u1000\u1015\u1039\u1031\u101b\u102c\u1002\u102b\u101e\u100a\u1039 \u1019\u103a\u102d\u1033\u1038\u1090\u102d\u102f\u1038\u1017\u102e\u1007\u101e\u1005\u1039\u1019\u103a\u102c\u1038 \u1021\u1006\u1004\u1039\u1037\u1006\u1004\u1039\u1037 \u1031\u103b\u1015\u102c\u1004\u1039\u1038\u101c\u1032\u101c\u102c\u1031\u101e\u102c\u1039\u101c\u100a\u1039\u1038 \u1000\u102c\u1000\u103c\u101a\u1039\u1031\u1006\u1038 \u1021\u1001\u103a\u102d\u1014\u1039\u1019\u102e \u1011\u102f\u1010\u1039\u101c\u102f\u1015\u1039\u108f\u102d\u102f\u1004\u1039\u103b\u1001\u1004\u1039\u1038\u108f\u103d\u1004\u1037\u1039 \u101e\u102d\u102f\u1031\u101c\u103d\u102c\u1004\u1039\u104a \u103b\u1016\u1014\u1094\u1039\u103b\u1016\u1034\u1038\u104a \u1011\u102d\u102f\u1038\u108f\u103d\u1036\u103b\u1001\u1004\u1039\u1038 \u1021\u1005\u101b\u103d\u102d\u101e\u100a\u1037\u1039 \u101c\u102f\u1015\u1039\u1004\u1014\u1039\u1038\u1005\u1025\u1039\u1019\u103a\u102c\u1038 \u101c\u103a\u1004\u1039\u103b\u1019\u1014\u1039\u1019\u1088\u1031\u107e\u1000\u102c\u1004\u1037\u1039 \u101c\u1030\u1094\u1021\u101e\u1000\u1039\u1031\u101e\u1006\u102f\u1036\u1038\u108f\u1088\u1014\u1039\u1038\u1000\u102d\u102f \u1019\u103a\u102c\u1038\u1005\u103c\u102c\u1031\u101c\u103a\u102c\u1037\u1001\u103a\u108f\u102d\u102f\u1004\u1039\u1001\u1032\u1037\u101e\u100a\u1039\u104b \u1000\u102d\u102f\u1017\u1005\u1039 &#8211; \u1041\u1049 \u1005\u1010\u1004\u1039 \u1000\u1030\u1038\u1005\u1000\u1039\u1015\u103a\u1036\u1095\u108f\u103d\u1036\u1094\u1001\u1032\u1037\u1001\u103a\u102d\u1014\u1039 \u1021\u1031\u1005\u102c\u1015\u102d\u102f\u1004\u1039\u1038\u1000\u102c\u101c\u1019\u103a\u102c\u1038\u1010\u103c\u1004\u1039\u00a0 \u1021\u101e\u1000\u1039\u1021\u101b\u103c\u101a\u1039\u1080\u1000\u102e\u1038\u101b\u1004\u1039\u1037\u101e\u1030\u1019\u103a\u102c\u1038\u1010\u103c\u1004\u1039 \u1011\u102d\u1001\u102d\u102f\u1000\u1039\u1019\u1088\u1019\u103a\u102c\u1038\u103b\u1015\u102c\u1038\u1001\u1032\u1037\u107f\u1015\u102e\u1038 \u1010\u1005\u1039\u108f\u103d\u1005\u1039\u1031\u1000\u103a\u102c\u1039\u107e\u1000\u102c \u1000\u102c\u101c\u1010\u103c\u1004\u1039 \u101e\u1000\u1039\u101c\u1010\u1039\u1015\u102d\u102f\u1004\u1039\u1038\u1019\u103a\u102c\u1038\u1000\u102d\u102f\u1015\u102b \u1021\u101e\u1000\u1039\u1006\u1036\u102f\u1038\u1090\u1088\u1036\u1038\u101b\u101e\u100a\u1039\u1011\u102d \u103b\u1015\u1004\u1039\u1038\u1011\u1014\u1039\u1001\u1032\u1037\u101e\u100a\u1039\u104b<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 12pt;\">\u1021\u1006\u102d\u102f\u1015\u102b \u1000\u1015\u1039\u1031\u101b\u102c\u1002\u102b\u1006\u102d\u102f\u1038\u1031\u107e\u1000\u102c\u1004\u1037\u1039 \u101c\u1030\u1094\u1021\u101e\u1000\u1039\u1031\u101e\u1006\u1036\u102f\u1038\u1019\u1088 \u1019\u103a\u102c\u1038\u103b\u1015\u102c\u1038\u1031\u1014\u1001\u103a\u102d\u1014\u1039\u1010\u103c\u1004\u1039 \u1010\u1005\u1039\u1016\u1000\u1039\u1010\u103c\u1004\u1039\u101c\u100a\u1039\u1038 \u1005\u102e\u1038\u1015\u103c\u102c\u1038\u1031\u101b\u1038\u1006\u102d\u102f\u1004\u1039\u101b\u102c \u1021\u1000\u103a\u1015\u1039\u1021\u1010\u100a\u1039\u1038\u1019\u103a\u102c\u1038\u103b\u1016\u1004\u1039\u1037 \u101b\u1004\u1039\u1006\u102d\u102f\u1004\u1039\u1001\u1032\u1037\u101b\u101e\u100a\u1039\u104b \u1000\u1030\u1038\u1005\u1000\u1039\u103b\u1019\u1014\u1039 \u1000\u102d\u102f\u1017\u1005\u1039-\u1041\u1049 \u1000\u1015\u1039\u1031\u101b\u102c\u1002\u102b\u1031\u107e\u1000\u102c\u1004\u1037\u1039 \u101d\u101a\u1039\u101c\u102d\u102f\u1021\u102c\u1038 \u1031\u101c\u103a\u102c\u1037\u1014\u100a\u1039\u1038\u103b\u1001\u1004\u1039\u1038\u104a \u1000\u102f\u1014\u1039\u1011\u102f\u1010\u1039\u101c\u102f\u1015\u1039\u1019\u1088\u1019\u103a\u102c\u1038 \u101b\u1015\u1039\u1006\u102d\u102f\u1004\u1039\u1038\u101b\u103b\u1001\u1004\u1039\u1038\u104a Lockdown \u1019\u103a\u102c\u1038 \u1001\u103a\u1019\u103d\u1010\u1039\u1000\u102c \u1000\u1030\u1038\u1005\u1000\u1039\u1031\u101b\u102c\u1002\u102b\u1011\u102d\u1014\u1039\u1038\u1001\u103a\u1033\u1015\u1039\u1031\u101b\u1038 \u101c\u102f\u1015\u1039\u1031\u1006\u102c\u1004\u1039\u101e\u100a\u1037\u1039\u1021\u1010\u103c\u1000\u1039 \u1000\u102f\u1014\u1039\u1015\u1005\u1065\u100a\u1039\u1038\u1019\u103a\u102c\u1038 \u101e\u101a\u1039\u101a\u1030 \u1015\u102d\u102f\u1094\u1031\u1006\u102c\u1004\u1039\u101b\u102c\u1010\u103c\u1004\u1039 \u1021\u1000\u1014\u1039\u1095\u1021\u101e\u1010\u1039\u1019\u103a\u102c\u1038\u103b\u1001\u1004\u1039\u1038\u104a Stay at Home \u1021\u1005\u102e\u1021\u1005\u1025\u1039\u1019\u103a\u102c\u1038\u1031\u107e\u1000\u102c\u1004\u1037\u1039 \u1000\u102f\u1014\u1039\u1011\u102f\u1010\u1039\u101c\u102f\u1015\u1039\u1004\u1014\u1039\u1038\u1019\u103a\u102c\u1038\u1010\u103c\u1004\u1039 \u1000\u102f\u1014\u1039\u1015\u1005\u1065\u100a\u1039\u1038\u1011\u102f\u1010\u1039\u101c\u102f\u1015\u1039\u1019\u1088\u108f\u103d\u1004\u1039\u1037 \u101c\u102f\u1015\u1039\u1004\u1014\u1039\u1038\u101c\u100a\u1039\u1015\u1010\u1039\u1031\u101b\u1038 \u1006\u102d\u102f\u1004\u1039\u101b\u102c\u1019\u103a\u102c\u1038\u1010\u103c\u1004\u1039 \u1011\u102d\u1001\u102d\u102f\u1000\u1039\u1019\u1088\u1031\u1015\u102b\u1004\u1039\u1038\u1019\u103a\u102c\u1038\u1005\u103c\u102c\u103b\u1016\u1004\u1039\u1037 \u101b\u1004\u1039\u1006\u102d\u102f\u1004\u1039\u1001\u1032\u1037\u101b\u101e\u100a\u1039\u104b \u1021\u1013\u102d\u1000 \u101e\u1000\u1039\u1031\u101b\u102c\u1000\u1039\u1019\u1088\u1019\u103a\u102c\u1038\u1005\u103c\u102c\u1001\u1036\u101b\u101e\u100a\u1037\u1039 \u101c\u102f\u1015\u1039\u1004\u1014\u1039\u1038\u1019\u103a\u102c\u1038\u1019\u103d\u102c \u1021\u1031\u101e\u1038\u1005\u102c\u1038\u104a \u1021\u101c\u1010\u1039\u1005\u102c\u1038 \u101c\u102f\u1015\u1039\u1004\u1014\u1039\u1038\u1019\u103a\u102c\u1038\u1015\u1004\u1039 \u103b\u1016\u1005\u1039\u101e\u100a\u1039\u104b<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 12pt;\">\u1011\u102d\u102f\u1021\u1031\u101e\u1038\u1005\u102c\u1038\u104a \u1021\u101c\u1010\u1039\u1005\u102c\u1038 \u101c\u102f\u1015\u1039\u1004\u1014\u1039\u1038\u1019\u103a\u102c\u1038\u1011\u1032\u1019\u103d \u1031\u1019\u103d\u103a\u102c\u1039\u1019\u103d\u1014\u1039\u1038\u1021\u108f\u1072\u101b\u102c\u101a\u1039\u1021\u1010\u103c\u1000\u1039 \u1080\u1000\u102d\u1033\u1010\u1004\u1039\u1019\u103b\u1015\u1004\u1039\u1006\u1004\u1039\u1011\u102c\u1038\u1031\u101e\u102c \u101c\u102f\u1015\u1039\u1004\u1014\u1039\u1038\u1019\u103a\u102c\u1038\u101e\u100a\u1039 \u1011\u102d\u1001\u102d\u102f\u1000\u1039\u1019\u1088 \u1021\u1019\u103a\u102c\u1038\u1006\u102f\u1036\u1038\u103b\u1016\u1005\u1039\u101e\u100a\u1039\u104b (\u1021\u1031\u101e\u1038\u1005\u102c\u1038\u104a \u1021\u101c\u1010\u1039\u1005\u102c\u1038 \u101c\u102f\u1015\u1039\u1004\u1014\u1039\u1038\u1019\u103a\u102c\u1038\u1000\u102d\u102f Small &amp; Medium Enterprises \u2013 \u201cSME\u201d \u101f\u1030\u104d \u1031\u1006\u102c\u1004\u1039\u1038\u1015\u102b\u1038\u1031\u1014\u102c\u1000\u1039\u1015\u102d\u102f\u1004\u1039\u1038\u1010\u103c\u1004\u1039 \u101e\u102f\u1036\u1038\u108f\u1088\u1014\u1039\u1038\u101e\u103c\u102c\u1038\u1019\u100a\u1039\u104b)<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 12pt;\"><strong>\u1010\u1090\u102f\u1010\u1039\u108f\u102d\u102f\u1004\u1039\u1004\u1036\u101b\u103d\u102d<\/strong><strong> SME <\/strong><strong>\u1019\u103a\u102c\u1038<\/strong><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 12pt;\">\u1010\u1090\u102f\u1010\u1039\u108f\u102d\u102f\u1004\u1039\u1004\u1036\u101e\u100a\u1039 \u103b\u1019\u1014\u1039\u1019\u102c\u108f\u102d\u102f\u1004\u1039\u1004\u1036\u104f \u1000\u102f\u1014\u1039\u101e\u103c\u101a\u1039\u1018\u1000\u1039 \u1021\u102d\u1019\u1039\u1014\u102e\u1038\u1001\u103a\u1004\u1039\u1038\u108f\u102d\u102f\u1004\u1039\u1004\u1036 \u103b\u1016\u1005\u1039\u1031\u101e\u102c\u1031\u107e\u1000\u102c\u1004\u1037\u1039 \u101a\u1001\u102f\u1031\u1006\u102c\u1004\u1039\u1038\u1015\u102b\u1038\u1010\u103c\u1004\u1039 \u1010\u1090\u102f\u1010\u1039\u108f\u102d\u102f\u1004\u1039\u1004\u1036\u1000\u102d\u102f \u1015\u102d\u102f\u104d \u1026\u1038\u1005\u102c\u1038\u1031\u1015\u1038 \u1010\u1004\u1039\u103b\u1015\u1015\u102b\u1019\u100a\u1039\u104b \u1010\u1090\u102f\u1010\u1039\u108f\u102d\u102f\u1004\u1039\u1004\u1036\u104f \u1021\u1031\u103b\u1001\u1021\u1031\u1014\u101e\u100a\u1039 \u1021\u102d\u1019\u1039\u1014\u102e\u1038\u1001\u103a\u1004\u1039\u1038\u103b\u1016\u1005\u1039\u1031\u101e\u102c \u103b\u1019\u1014\u1039\u1019\u102c\u108f\u102d\u102f\u1004\u1039\u1004\u1036\u1000\u102d\u102f \u101c\u103c\u101a\u1039\u1000\u1030\u101c\u103a\u1004\u1039\u103b\u1019\u1014\u1039\u1005\u103c\u102c \u101e\u1000\u1039\u1031\u101b\u102c\u1000\u1039\u1019\u1088 \u103b\u1016\u1005\u1039\u1031\u1015\u105a\u1031\u1005\u108f\u102d\u102f\u1004\u1039\u1031\u1015\u101e\u100a\u1039\u104b \u1000\u102d\u102f\u1017\u1005\u1039 &#8211; \u1041\u1049 \u1000\u1015\u1039\u1031\u101b\u102c\u1002\u102b\u1031\u107e\u1000\u102c\u1004\u1037\u1039 SME \u1000\u102f\u1019\u1078\u100f\u102e\u1019\u103a\u102c\u1038 \u1011\u102d\u1001\u102d\u102f\u1000\u1039\u1019\u1088\u1000\u102d\u102f \u1019\u102e\u1012\u102e\u101a\u102c\u1019\u103a\u102c\u1038\u1000 \u1019\u102e\u1038\u1031\u1019\u102c\u1004\u1039\u1038\u1011\u102d\u102f\u1038\u103b\u1015\u1001\u1032\u1037\u107e\u1000\u101e\u100a\u1039\u104b \u101a\u1004\u1039\u1038 SME \u101c\u102f\u1015\u1039\u1004\u1014\u1039\u1038\u1019\u103a\u102c\u1038\u101e\u100a\u1039 \u1010\u1090\u102f\u1010\u1039\u108f\u102d\u102f\u1004\u1039\u1004\u1036\u104f \u1005\u102e\u1038\u1015\u103c\u102c\u1038\u1031\u101b\u1038\u1016\u103c\u1036\u1094\u107f\u1016\u102d\u1033\u1038\u1010\u102d\u102f\u1038\u1010\u1000\u1039\u1019\u1088\u1010\u103c\u1004\u1039 \u1021\u101c\u103c\u1014\u1039\u1021\u1031\u101b\u1038\u1015\u102b\u101e\u100a\u1037\u1039 \u1021\u1001\u1014\u1039\u1038\u1000\u1091\u1019\u103d \u1015\u102b\u101d\u1004\u1039\u101c\u103a\u1000\u1039 \u101b\u103d\u102d\u101e\u100a\u1039\u104b<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 12pt;\">\u1010\u1090\u102f\u1010\u1039\u1021\u1005\u102d\u102f\u1038\u101b \u1011\u102f\u1010\u1039\u103b\u1015\u1014\u1039\u1011\u102c\u1038\u101e\u100a\u1037\u1039 \u1000\u102d\u1014\u1039\u1038\u1002\u100f\u1014\u1039\u1038\u1019\u103a\u102c\u1038\u1021\u101b \u1010\u1090\u102f\u1010\u1039\u1010\u1005\u1039\u108f\u102d\u102f\u1004\u1039\u1004\u1036\u1010\u100a\u1039\u1038\u104f \u101c\u102f\u1015\u1039\u1004\u1014\u1039\u1038\u1021\u102c\u1038\u101c\u102f\u1036\u1038\u1010\u103c\u1004\u1039\u1015\u1004\u1039 \u1049\u1040 \u101b\u102c\u1001\u102d\u102f\u1004\u1039\u108f\u1088\u1014\u1039\u1038\u101e\u100a\u1039 SME \u101c\u102f\u1015\u1039\u1004\u1014\u1039\u1038\u1019\u103a\u102c\u1038 \u103b\u1016\u1005\u1039\u101e\u100a\u1039\u104b SME \u101c\u102f\u1015\u1039\u1004\u1014\u1039\u1038\u1019\u103a\u102c\u1038\u101e\u100a\u1039 \u107f\u1019\u102d\u1033\u1095\u1031\u1014\u101c\u1030\u1026\u1038\u1031\u101b\u104f \u1048\u1040 \u101b\u102c\u1001\u102d\u102f\u1004\u1039\u108f\u1088\u1014\u1039\u1038\u1031\u1000\u103a\u102c\u1039\u1000\u102d\u102f \u1021\u101c\u102f\u1015\u1039\u1021\u1000\u102d\u102f\u1004\u1039 \u1016\u1014\u1039\u1010\u102e\u1038\u1031\u1015\u1038\u1011\u102c\u1038\u101e\u100a\u1039\u104b \u1047\u1040 \u101b\u102c\u1001\u102d\u102f\u1004\u1039\u108f\u1088\u1014\u1039\u1038\u1031\u101e\u102c \u1014\u100a\u1039\u1038\u1015\u100a\u102c\u1005\u103c\u1014\u1094\u1039\u1026\u1038\u1010\u102e\u1011\u103c\u1004\u1039\u1019\u1088\u1019\u103a\u102c\u1038\u101e\u100a\u1039 SME \u1019\u103a\u102c\u1038\u1019\u103d \u1010\u1005\u1039\u1006\u1004\u1037\u1039 \u103b\u1016\u1005\u1039\u1011\u103c\u1014\u1039\u1038\u101c\u102c\u103b\u1001\u1004\u1039\u1038\u103b\u1016\u1005\u1039\u1031\u107e\u1000\u102c\u1004\u1039\u1038 \u101e\u102d\u101b\u101e\u100a\u1039\u104b<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 12pt;\">\u103b\u1015\u100a\u1039\u1010\u103c\u1004\u1039\u1038\u1021\u101e\u102c\u1038\u1010\u1004\u1039\u1011\u102f\u1010\u1039\u1000\u102f\u1014\u1039 \u1005\u102f\u1005\u102f\u1031\u1015\u102b\u1004\u1039\u1038\u104f \u1046\u1040 \u101b\u102c\u1001\u102d\u102f\u1004\u1039\u108f\u1088\u1014\u1039\u1038\u1000\u102d\u102f SME \u1019\u103a\u102c\u1038\u1019\u103d \u101b\u103d\u102c\u1031\u1016\u103c\u1031\u1015\u1038\u101e\u100a\u1039\u104b \u1010\u1090\u102f\u1010\u1039\u103b\u1015\u100a\u1039\u1010\u103c\u1004\u1039\u1038 \u1021\u1001\u103c\u1014\u1039\u101b\u101b\u103d\u102d\u1019\u1088\u104f \u1045\u1040 \u101b\u102c\u1001\u102d\u102f\u1004\u1039\u108f\u1088\u1014\u1039\u1038\u101e\u100a\u1039 \u1021\u1006\u102d\u102f\u1015\u102b SME \u1019\u103a\u102c\u1038\u1019\u103d \u1031\u1015\u1038\u1031\u1006\u102c\u1004\u1039\u107e\u1000\u103b\u1001\u1004\u1039\u1038\u103b\u1016\u1005\u1039\u101e\u100a\u1039\u104b \u1010\u1090\u102f\u1010\u1039\u1021\u1005\u102d\u102f\u1038\u101b\u104f \u1021\u1004\u1039\u1010\u102c\u1014\u1000\u1039\u1005\u102c\u1019\u103a\u1000\u1039\u108f\u103d\u102c\u1010\u103c\u1004\u1039 \u1021\u1011\u1000\u1039\u1015\u102b \u1000\u102d\u1014\u1039\u1038\u1002\u100f\u1014\u1039\u1038\u1019\u103a\u102c\u1038 \u1031\u1016\u102c\u1039\u103b\u1015\u1031\u1015\u1038\u1011\u102c\u1038\u107f\u1015\u102e\u1038 \u108f\u102d\u102f\u1004\u1039\u1004\u1036\u104f SME \u101c\u102f\u1015\u1039\u1004\u1014\u1039\u1038\u1019\u103a\u102c\u1038\u1000\u102d\u102f \u1006\u1000\u1039\u101c\u1000\u1039 \u1021\u102c\u1038\u1031\u1015\u1038\u1031\u1014\u101c\u103a\u1000\u1039\u101b\u103d\u102d\u101e\u100a\u1039\u104b \u1019\u100a\u1039\u101e\u102d\u102f\u1094\u1015\u1004\u1039\u1006\u102d\u102f\u1031\u1005\u1000\u102c\u1019\u1030 SME \u1019\u103a\u102c\u1038\u104f \u1021\u101c\u102c\u1038\u1021\u101c\u102c\u1019\u103a\u102c\u1038\u101e\u100a\u1039 \u1000\u102d\u102f\u1017\u1005\u1039\u1000\u102c\u101c\u1021\u1010\u103c\u1004\u1039\u1038\u108f\u103d\u1004\u1037\u1039 \u1000\u102d\u102f\u1017\u1005\u1039\u1021\u101c\u103c\u1014\u1039\u1000\u102c\u101c\u1019\u103a\u102c\u1038\u1010\u103c\u1004\u1039 \u1005\u102d\u102f\u1038\u101b\u102d\u1019\u1039\u1005\u101b\u102c\u1031\u1000\u102c\u1004\u1039\u1038\u101c\u103d\u101e\u100a\u1039\u104b \u1010\u1090\u102f\u1010\u1039\u1021\u1005\u102d\u102f\u1038\u101b\u1021\u1031\u1014\u103b\u1016\u1004\u1039\u1037 \u1000\u102d\u102f\u1017\u1005\u1039 &#8211; \u1041\u1049 \u1005\u1010\u1004\u1039\u107f\u1015\u102e\u1038 \u101c\u1015\u102d\u102f\u1004\u1039\u1038\u1021\u1010\u103c\u1004\u1039\u1038\u1000\u1015\u1004\u1039 \u1031\u1004\u103c\u1031\u107e\u1000\u1038\u1021\u1031\u1011\u102c\u1000\u1039\u1021\u1015\u1036\u1037\u1019\u103a\u102c\u1038\u104a \u1021\u1001\u103c\u1014\u1039\u101e\u1000\u1039\u101e\u102c\u1001\u103c\u1004\u1037\u1039\u1019\u103a\u102c\u1038\u108f\u103d\u1004\u1037\u1039 \u1021\u103b\u1001\u102c\u1038\u1031\u101e\u102c \u1021\u1000\u1030\u1021\u100a\u102e\u1019\u103a\u102c\u1038\u1000\u102d\u102f \u1031\u1015\u1038\u1021\u1015\u1039\u1001\u1032\u1037\u101e\u100a\u1039\u104b\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 12pt;\">\u1010\u1090\u102f\u1010\u1039\u1021\u1005\u102d\u102f\u1038\u101b\u101e\u100a\u1039 SME \u1019\u103a\u102c\u1038\u1021\u1010\u103c\u1000\u1039 \u1019\u1030\u101d\u102b\u1012\u1019\u103a\u102c\u1038 \u1001\u103a\u1019\u103d\u1010\u1039\u107f\u1015\u102e\u1038 \u1000\u1030\u100a\u102e\u1031\u1014\u1031\u101e\u102c\u1031\u107e\u1000\u102c\u1004\u1037\u1039 \u1000\u102d\u102f\u1017\u1005\u1039\u104f \u1006\u102d\u102f\u1038\u1000\u103a\u102d\u1033\u1038 \u101e\u1000\u1039\u1031\u101b\u102c\u1000\u1039\u1019\u1088\u1019\u103a\u102c\u1038\u1010\u103c\u1004\u1039 \u1021\u1031\u1010\u102c\u1039\u1021\u1010\u1014\u1039 \u1031\u101c\u103a\u102c\u1037\u1014\u100a\u1039\u1038\u1001\u1032\u1037\u101b\u101e\u100a\u1039\u104b \u101e\u102d\u102f\u1094\u1031\u101e\u102c\u1039\u101c\u100a\u1039\u1038 \u1021\u1006\u102d\u102f\u1015\u102b \u1000\u1030\u100a\u102e\u1031\u101b\u1038\u1019\u1030\u101d\u102b\u1012\u1019\u103a\u102c\u1038\u1010\u103c\u1004\u1039 SME \u1019\u103a\u102c\u1038\u101e\u100a\u1039 \u1031\u1000\u102c\u1004\u1039\u1038\u1005\u103c\u102c\u101c\u102d\u102f\u1000\u1039\u1014\u102c \u1021\u101c\u102f\u1015\u1039\u101c\u102f\u1015\u1039\u1000\u102d\u102f\u1004\u1039\u101b\u1014\u1039\u1021\u1010\u103c\u1000\u1039 \u1005\u102d\u1014\u1039\u1031\u1001\u105a\u1019\u1088\u1019\u103a\u102c\u1038 \u101b\u103d\u102d\u1031\u1014\u1031\u1015\u101e\u100a\u1039\u104b SME \u1019\u103a\u102c\u1038\u101e\u100a\u1039 \u101d\u1014\u1039\u1011\u1019\u1039\u1038\u1014\u100a\u1039\u1038\u1015\u102b\u1038\u1031\u101e\u102c \u101c\u102f\u1015\u1039\u1004\u1014\u1039\u1038\u1019\u103a\u102c\u1038\u103b\u1016\u1005\u1039\u101e\u100a\u1037\u1039\u1021\u1010\u103c\u1000\u1039 \u1021\u1031\u1015\u105a\u1019\u103d\u1011\u102d\u1014\u1039\u1038\u1001\u103a\u1033\u1015\u1039\u1019\u1088\u1015\u102f\u1036\u1005\u1036\u1031\u101c\u103a\u102c\u1037\u101b\u1032\u103b\u1001\u1004\u1039\u1038\u108f\u103d\u1004\u1037\u1039 \u101c\u102f\u1015\u1039\u1004\u1014\u1039\u1038\u1006\u102d\u102f\u1004\u1039\u101b\u102c \u1021\u1001\u103a\u1000\u1039\u1021\u101c\u1000\u1039\u1019\u103a\u102c\u1038 \u1010\u102d\u1000\u103a\u1005\u103c\u102c \u1019\u103d\u1010\u1039\u1011\u102c\u1038\u1019\u1088 \u1019\u101b\u103d\u102d\u1019\u1088\u1019\u103a\u102c\u1038\u1031\u107e\u1000\u102c\u1004\u1037\u1039 \u1001\u103a\u1019\u103d\u1010\u1039\u1011\u102c\u1038\u1031\u101e\u102c\u1019\u1030\u101d\u102b\u1012\u1019\u103a\u102c\u1038\u1000\u102d\u102f \u1031\u1000\u102c\u1004\u1039\u1038\u1005\u103c\u102c\u101c\u102d\u102f\u1000\u1039\u1014\u102c\u101b\u1014\u1039 \u1005\u102d\u1014\u1039\u1031\u1001\u105a\u1019\u1088\u1019\u103a\u102c\u1038 \u101b\u103d\u102d\u1031\u1015\u101e\u100a\u1039\u104b \u1011\u102d\u102f\u1094\u1021\u1010\u103c\u1000\u1039\u1031\u107e\u1000\u102c\u1004\u1037\u1039 SME \u1019\u103a\u102c\u1038\u104f \u101c\u102d\u102f\u1021\u1015\u1039\u1001\u103a\u1000\u1039\u1019\u103a\u102c\u1038\u108f\u103d\u1004\u1037\u1039 \u1021\u1005\u102d\u102f\u1038\u101b\u1019\u103a\u102c\u1038 \u1031\u1015\u1038\u1021\u1015\u1039\u1031\u101e\u102c 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style=\"text-align: justify;\"><span style=\"font-size: 12pt;\">\u1011\u102d\u102f\u1094\u103b\u1015\u1004\u1039 \u1017\u102e\u1010\u102c\u1019\u1004\u1039\u1031\u1006\u1038\u101d\u102b\u1038\u1019\u103a\u102c\u1038\u104a \u1021\u1016\u103a\u102c\u1038\u1010\u102d\u102f\u1004\u1039\u1038\u1005\u1000\u1039\u104a \u1000\u102d\u102f\u1017\u1005\u1039\u1000\u102c\u1000\u103c\u101a\u1039\u1031\u101b\u1038\u1015\u1005\u1065\u100a\u1039\u1038\u1019\u103a\u102c\u1038\u104a \u1021\u1005\u102c\u1038\u1021\u1031\u101e\u102c\u1000\u1039\u104a \u1021\u103c\u1014\u1039\u101c\u102d\u102f\u1004\u1039\u1038\u1002\u102d\u1019\u1039\u1038\u104a \u1021\u101e\u102c\u1038 \u1005\u101e\u100a\u1039\u1010\u102d\u102f\u1094\u101e\u100a\u1039 \u1000\u102d\u102f\u1017\u1005\u1039\u1000\u102c\u101c\u1021\u1010\u103c\u1004\u1039\u1038 \u101c\u103c\u1014\u1039\u1005\u103c\u102c\u1031\u101b\u102c\u1004\u1039\u1038\u1021\u102c\u1038\u1010\u1000\u1039\u1001\u1032\u1037\u101e\u100a\u1039\u104b 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\u1000\u102c\u1000\u103c\u101a\u1039\u1031\u1006\u1038\u1011\u102d\u102f\u1038\u108f\u103d\u1036\u1031\u101b\u1038\u1000\u102d\u102f \u1021\u1005\u1025\u1039\u1010\u1005\u102d\u102f\u1000\u1039 \u101c\u102f\u1015\u1039\u1031\u1006\u102c\u1004\u1039\u1031\u1014\u101e\u100a\u1039\u104b<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 12pt;\">\u1021\u1016\u103c\u1032\u1095\u101d\u1004\u1039\u108f\u102d\u102f\u1004\u1039\u1004\u1036\u1019\u103a\u102c\u1038\u101e\u100a\u1039 \u1016\u103c\u1036\u1094\u107f\u1016\u102d\u1033\u1038\u1006\u1032\u108f\u102d\u102f\u1004\u1039\u1004\u1036\u1021\u1019\u103a\u102c\u1038\u1005\u102f\u103b\u1016\u1005\u1039\u101e\u100a\u1039\u108f\u103d\u1004\u1037\u1039\u1021\u100a\u102e \u1011\u102d\u1001\u102d\u102f\u1000\u1039\u108f\u102d\u102f\u1004\u1039\u1031\u103b\u1001\u1015\u102d\u102f\u1019\u103a\u102c\u1038\u101e\u100a\u1039\u104b \u1000\u102d\u102f\u1017\u1005\u1039 &#8211; \u1041\u1049 \u1000\u1015\u1039\u1031\u101b\u102c\u1002\u102b\u1031\u107e\u1000\u102c\u1004\u1037\u1039 \u1021\u102c\u1006\u102e\u101a\u1036\u1031\u1012\u101e\u1010\u103c\u1004\u1039\u1038 \u101c\u100a\u1039\u1015\u1010\u1039\u1031\u1004\u103c\u1000\u103a\u1015\u1039\u1010\u100a\u1039\u1038\u103b\u1001\u1004\u1039\u1038\u104a \u101d\u101a\u1039\u101c\u102d\u102f\u1021\u102c\u1038\u1031\u101c\u103a\u102c\u1037\u1014\u100a\u1039\u1038\u103b\u1001\u1004\u1039\u1038\u104a \u101c\u102f\u1015\u1039\u1004\u1014\u1039\u1038\u1015\u102d\u1010\u1039\u101e\u102d\u1019\u1039\u1038\u101b\u103b\u1001\u1004\u1039\u1038\u104a \u1031\u1016\u102c\u1000\u1039\u101e\u100a\u1039\u1021\u101e\u1005\u1039\u108f\u103d\u1004\u1037\u1039 \u1031\u1010\u103c\u1095\u1006\u102f\u1036\u101b\u1014\u1039 \u1001\u1000\u1039\u1001\u1032\u103b\u1001\u1004\u1039\u1038\u104a \u101c\u102f\u1015\u1039\u1004\u1014\u1039\u1038\u1019\u101f\u102c\u1017\u103a\u1034\u101f\u102c\u1000\u102d\u102f \u1031\u103b\u1015\u102c\u1004\u1039\u1038\u101c\u1032\u1019\u1088 \u1001\u1000\u1039\u1001\u1032\u103b\u1001\u1004\u1039\u1038 \u1005\u101e\u100a\u1039\u1010\u102d\u102f\u1094\u101e\u100a\u1039 \u1021\u1013\u102d\u1000 \u1021\u1001\u1000\u1039\u1021\u1001\u1032 (\u1045) \u101b\u1015\u1039\u1021\u103b\u1016\u1005\u1039 \u107e\u1000\u1036\u1033\u1031\u1010\u103c\u1095\u1001\u1032\u1037\u101b\u101e\u100a\u1039\u104b<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 12pt;\"><strong>\u1021\u1014\u102c\u1002\u1010\u1039\u1021\u101c\u102c\u1038\u1021\u101c\u102c\u1019\u103a\u102c\u1038<\/strong><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 12pt;\">\u1000\u102d\u102f\u1017\u1005\u1039 &#8211; \u1041\u1049 \u1000\u1015\u1039\u1031\u101b\u102c\u1002\u102b\u101e\u100a\u1039 \u101c\u103c\u101a\u1039\u1000\u1030\u1005\u103c\u102c\u108f\u103d\u1004\u1037\u1039 \u1031\u1015\u103a\u102c\u1000\u1039\u1000\u1004\u1039\u1038\u1019\u100a\u1039\u1019\u101f\u102f\u1010\u1039\u1018\u1032 \u101c\u1030\u1019\u103a\u102c\u1038\u107e\u1000\u102c\u1038\u1010\u103c\u1004\u1039 \u101b\u103d\u102d\u1031\u1014\u1026\u1038\u1019\u100a\u1039 \u103b\u1016\u1005\u1039\u101e\u100a\u1039\u104b \u101a\u1001\u102f\u1021\u1001\u102b\u1010\u103c\u1004\u1039 \u1010\u102d\u102f\u1004\u1039\u1038\u103b\u1015\u100a\u1039\u1019\u103a\u102c\u1038\u101e\u100a\u1039 New Normal \u1021\u1031\u103b\u1001\u1021\u1031\u1014\u108f\u103d\u1004\u1037\u1039 \u1005\u1010\u1004\u1039 \u1021\u101e\u102c\u1038\u1000\u103a\u101c\u102c\u107e\u1000\u107f\u1015\u102e \u103b\u1016\u1005\u1039\u101e\u100a\u1039\u104b \u1031\u101b\u103d\u1095\u1006\u1000\u1039\u104d \u103b\u1016\u1005\u1039\u1031\u1015\u105a\u101c\u102c\u1019\u100a\u1037\u1039 \u1021\u101c\u102c\u1038\u1021\u101c\u102c\u1019\u103a\u102c\u1038\u1019\u103d\u102c \u101c\u1030\u1021\u1001\u103a\u1004\u1039\u1038\u1001\u103a\u1004\u1039\u1038\u1011\u102d\u1031\u1010\u103c\u1095\u1019\u1088\u1019\u101b\u103d\u102d\u1018\u1032 \u1031\u101b\u102c\u1004\u1039\u1038\u101d\u101a\u1039\u101e\u100a\u1037\u1039 E-commerce\u104a Social-commerce \u1005\u101e\u100a\u1039\u1010\u102d\u102f\u1094\u101e\u100a\u1039 \u1015\u102d\u102f\u104d \u1031\u1008\u1038\u1000\u103c\u1000\u1039\u103b\u1016\u1005\u1039\u1031\u1015\u105a\u101c\u102c\u1019\u100a\u1039\u104b \u1011\u102d\u102f\u1094\u1031\u107e\u1000\u102c\u1004\u1037\u1039 \u101a\u1001\u102f\u1019\u103d\u1005\u107f\u1015\u102e\u1038 SME \u101c\u102f\u1015\u1039\u1004\u1014\u1039\u1038\u101b\u103d\u1004\u1039\u1019\u103a\u102c\u1038 \u1001\u103a\u1000\u1039\u1001\u103a\u1004\u1039\u1038\u103b\u1015\u1004\u1039\u1006\u1004\u1039\u101e\u1004\u1037\u1039\u101e\u101c\u102d\u102f \u101e\u1000\u1039\u1006\u102d\u102f\u1004\u1039\u101b\u102c\u1021\u1005\u102d\u102f\u1038\u101b\u1019\u103a\u102c\u1038\u1021\u1031\u1014\u103b\u1016\u1004\u1037\u1039\u101c\u100a\u1039\u1038 \u101e\u1004\u1037\u1039\u1031\u101c\u103a\u102c\u1039\u1031\u101e\u102c \u1021\u1005\u102e\u1021\u1019\u1036\u1019\u103a\u102c\u1038\u108f\u103d\u1004\u1037\u1039 \u1015\u1030\u1015\u1004\u1039\u1005\u101b\u102c\u1019\u103a\u102c\u1038\u1000\u102d\u102f \u1031\u103b\u1016\u1031\u1016\u103a\u102c\u1000\u1039\u1031\u1015\u1038\u101b\u1014\u1039 \u1010\u102c\u101d\u1014\u1039\u101b\u103d\u102d\u101c\u103d\u1031\u1015\u101e\u100a\u1039\u104b<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 12pt;\"><strong>\u1031\u1000\u103a\u102c\u1039\u1011\u1004\u1039\u1001\u1014\u1094\u1039<\/strong><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 12pt;\"><strong>MBA (University of Northampton, UK) <\/strong><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 12pt;\"><strong>Ph.D. Candidate (Rushford Business School, Switzerland)<\/strong><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 12pt;\">\u1000\u102d\u102f\u1038\u1000\u102c\u1038\u104b<\/span><\/p>\n<ol>\n<li style=\"text-align: justify;\"><span style=\"font-size: 12pt;\">Development Asia: An Initiative of Asian Development Bank<\/span><\/li>\n<li style=\"text-align: justify;\"><span style=\"font-size: 12pt;\">Finance Research Letter<\/span><\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>\u1010\u1090\u102f\u1010\u1039\u104a \u1021\u102c\u1006\u102e\u101a\u1036\u108f\u103d\u1004\u1037\u1039 \u1016\u103c\u1036\u1036\u1094\u107f\u1016\u102d\u1033\u1038\u1006\u1032\u108f\u102d\u102f\u1004\u1039\u1004\u1036\u1019\u103a\u102c\u1038\u1019\u103d \u1021\u1031\u101e\u1038\u1005\u102c\u1038\u104a \u1021\u101c\u1010\u1039\u1005\u102c\u1038 \u101c\u102f\u1015\u1039\u1004\u1014\u1039\u1038\u1019\u103a\u102c\u1038 &#8211; \u1000\u102d\u102f\u1017\u1005\u1039&#8211;\u1041\u1049 \u104f \u1006\u102d\u102f\u1038\u1000\u103a\u102d\u1033\u1038\u101e\u1000\u1039\u1031\u101b\u102c\u1000\u1039\u1019\u1088\u1000\u102d\u102f \u1031\u1000\u103a\u102c\u1039\u101c\u108a\u102c\u1038\u103b\u1001\u1004\u1039\u1038\u108f\u103d\u1004\u1037\u1039 \u1021\u1014\u102c\u1002\u1010\u1039\u1021\u101c\u102c\u1038\u1021\u101c\u102c\u1019\u103a\u102c\u1038 &nbsp; \u1005\u1000\u102c\u1038\u1001\u103a\u102e\u1038 \u1042\u1041 \u101b\u102c\u1005\u102f\u108f\u103d\u1005\u1039\u1021\u1010\u103c\u1004\u1039\u1038 \u1000\u102d\u102f\u1017\u1005\u1039-\u1041\u1049 \u1000\u1030\u1038\u1005\u1000\u1039\u1031\u101b\u102c\u1002\u102b\u101e\u100a\u1039 \u1000\u1019\u107b\u102c\u1080\u1000\u102e\u1038\u1021\u1010\u103c\u1000\u1039 \u1005\u102d\u1014\u1039\u1031\u1001\u105a\u1019\u1088\u1080\u1000\u102e\u1038\u1019\u102c\u1038\u1005\u103c\u102c\u103b\u1016\u1004\u1037\u1039 \u1090\u102d\u102f\u1000\u1039\u1001\u1010\u1039\u1001\u1032\u1037\u101e\u100a\u1039\u104b\u00a0 \u1000\u102d\u102f\u1017\u1005\u1039-\u1041\u1049 \u1000\u1030\u1038\u1005\u1000\u1039\u1031\u101b\u102c\u1002\u102b\u101e\u100a\u1039 \u1021\u1001\u103a\u102d\u1014\u1039\u1010\u102d\u102f\u1021\u1010\u103c\u1004\u1039\u1038 \u1010\u1005\u1039\u1000\u1019\u102c\u107b\u101c\u102f\u1036\u1038\u1000\u102d\u102f \u101c\u103a\u1004\u1039\u103b\u1019\u1014\u1039\u1005\u103c\u102c \u1015\u103a\u1036\u1095\u108f\u103d\u103d\u1036\u1094\u1001\u1032\u1037\u107f\u1015\u102e\u1038 \u1000\u1019\u102c\u107b\u101c\u102f\u1036\u1038\u1006\u102d\u102f\u1004\u1039\u101b\u102c \u1000\u103a\u1014\u1039\u1038\u1019\u102c\u1031\u101b\u1038\u103b\u1015\u1086\u1014\u102c\u1021\u1031\u1014\u103b\u1016\u1004\u1039\u1037 \u1021\u1006\u102d\u102f\u1038\u101b\u103c\u102c\u1038\u1006\u1036\u102f\u1038 \u1090\u102d\u102f\u1000\u1039\u1001\u1010\u1039\u1001\u1032\u1037\u101e\u100a\u1039\u104b John Hopkin \u1010\u1000\u1060\u101e\u102d\u102f\u101c\u1039\u1019\u103d \u1031\u1000\u102c\u1000\u1039\u101a\u1030\u1011\u102c\u1038\u101b\u103d\u102d\u1031\u101e\u102c \u1000\u102d\u102f\u1017\u1005\u1039-\u1041\u1049 \u1005\u102c\u101b\u1004\u1039\u1038\u1019\u103a\u102c\u1038\u1021\u101b \u107f\u1015\u102e\u1038\u1001\u1032\u1037\u101e\u100a\u1037\u1039 \u1042\u1040\u1042\u1041 \u1001\u102f\u108f\u103d\u1005\u1039\u104a \u1007\u103c\u1014\u1039\u101c\u1010\u103c\u1004\u1039 \u101c\u1030\u1031\u1015\u102b\u1004\u1039\u1038 (\u1043) \u101e\u1014\u1039\u1038\u1001\u103c\u1032\u1031\u1000\u103a\u102c\u1039 \u1031\u101e\u1006\u102f\u1036\u1038\u1031\u1005\u1001\u1032\u1037\u107f\u1015\u102e\u1038 \u101c\u1030\u1031\u1015\u102b\u1004\u1039\u1038 (\u1041\u1047\u1041) \u101e\u1014\u1039\u1038\u1031\u1000\u103a\u102c\u1039 \u1000\u1030\u1038\u1005\u1000\u1039\u1031\u1005\u1001\u1032\u1037\u101e\u100a\u1039\u104b \u1042\u1040\u1042\u1042 \u1001\u102f\u108f\u103d\u1005\u1039\u104a \u1027\u107f\u1015\u102e\u101c\u1021\u1011\u102d \u101c\u1030\u1031\u1015\u102b\u1004\u1039\u1038 (\u1045\u1040\u1045) \u101e\u1014\u1039\u1038\u1031\u1000\u103a\u102c\u1039<\/p>\n<div class=\"read-more\"><a href=\"https:\/\/thayninga.org\/2022\/04\/26\/sme-1\/\" title=\"Read More\">Read More<\/a><\/div>\n","protected":false},"author":2,"featured_media":3201,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[33],"tags":[],"_links":{"self":[{"href":"https:\/\/thayninga.org\/api\/wp\/v2\/posts\/3187"}],"collection":[{"href":"https:\/\/thayninga.org\/api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thayninga.org\/api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thayninga.org\/api\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/thayninga.org\/api\/wp\/v2\/comments?post=3187"}],"version-history":[{"count":5,"href":"https:\/\/thayninga.org\/api\/wp\/v2\/posts\/3187\/revisions"}],"predecessor-version":[{"id":3206,"href":"https:\/\/thayninga.org\/api\/wp\/v2\/posts\/3187\/revisions\/3206"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/thayninga.org\/api\/wp\/v2\/media\/3201"}],"wp:attachment":[{"href":"https:\/\/thayninga.org\/api\/wp\/v2\/media?parent=3187"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thayninga.org\/api\/wp\/v2\/categories?post=3187"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thayninga.org\/api\/wp\/v2\/tags?post=3187"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}