{"id":8695,"date":"2024-01-01T09:52:52","date_gmt":"2024-01-01T09:52:52","guid":{"rendered":"https:\/\/www.hnjournal.net\/?page_id=8695"},"modified":"2024-01-20T19:51:04","modified_gmt":"2024-01-20T19:51:04","slug":"5-1-1","status":"publish","type":"page","link":"https:\/\/www.hnjournal.net\/ar\/5-1-1\/","title":{"rendered":"\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0628\u0639\u0642\u0648\u062f \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0641\u064a \u0645\u0635\u0631\u0641 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0634\u0631\u064a\u0639\u0629 – \u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627"},"content":{"rendered":"

Islamic Financing Through Murabaha At Bank Mandiri Shariah \u2013 Indonesia<\/strong><\/h3>\n

\u0623. \u0625\u0628\u0631\u0627\u0647\u064a\u0645 \u0645\u0635\u0637\u0641\u0649 \u0625\u0628\u0631\u0627\u0647\u064a\u0645 \u0647\u0648\u064a\u062f\u064a1<\/sup><\/strong><\/p>\n

1<\/sup> \u0628\u0627\u062d\u062b \u0641\u064a \u0627\u0644\u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0623\u0633\u0645\u0631\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u2013 \u0644\u064a\u0628\u064a\u0627\n\u0628\u0631\u064a\u062f \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a: ibrahimhwidi@gmail.com\nHNSJ, 2024, 5(1); https:\/\/doi.org\/10.53796\/hnsj51\/1\n\u062a\u0646\u0632\u064a\u0644 \u0627\u0644\u0645\u0644\u0641<\/a>\n\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0646\u0634\u0631: 01\/01\/2024\u0645 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0642\u0628\u0648\u0644: 04\/12\/2023\u0645<\/pre>\n
\u0627\u0644\u0645\u0633\u062a\u062e\u0644\u0635 <\/strong><\/p>\n
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\u0627\u0644\u0643\u0644\u0645\u0627\u062a \u0627\u0644\u0645\u0641\u062a\u0627\u062d\u064a\u0629: <\/strong>\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a- \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 – \u0645\u0635\u0631\u0641 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0634\u0631\u064a\u0639\u0629.<\/p>\n
<\/a>Research title <\/strong><\/p>\n
Islamic Financing Through Murabaha At Bank Mandiri Shariah \u2013 Indonesia<\/strong><\/p>\n
A, Ibrahim Mustafa Ibrahim Hwidi1<\/sup><\/strong><\/p>\n
1<\/sup> Researcher at Alasmarya Islamic University – Libya<\/p>\n
Email: ibrahimhwidi@gmail.com<\/p>\n
HNSJ, 2024, 5(1); https:\/\/doi.org\/10.53796\/hnsj51\/1<\/p>\n
Published at 01\/01\/2024 Accepted at 04\/12\/2023 <\/strong><\/p>\n
Abstract <\/strong><\/p>\n
This study represents an attempt to diagnose the reality of financing through Murabaha contracts at Mandiri Sharia Bank, Indonesia – before merging it with two other Islamic banks. The study aimed to know the method and procedures for implementing and monitoring Murabaha financing at Mandiri Sharia Bank. The study used a descriptive approach with the use of documents to collect data from the financial statements. The bank\u2019s annual report, and the results showed that Murabaha financing in this bank is carried out according to steps that follow the application of the jurisprudential and legal provisions specified in Article 19 of Law No. 21 of 2008. The application and sale of Murabaha also depend on the Fatwa Decree of the Indonesian Ulema Council (MUI) and the Bank of Indonesia system ( PBI) according to certain conditions, and the bank also specified the requirements for providing Murabaha financing in consumer financing.<\/p>\n
Key Words: <\/strong>Islamic finance – Murabaha – Mandiri Sharia Bank.<\/p>\n
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      \n
    1. \u0645\u0634\u0643\u0644\u0629 \u0627\u0644\u0628\u062d\u062b <\/strong><\/li>\n<\/ol>\n
      \u062a\u0639\u0643\u0633 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0641\u064a \u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627 \u0631\u063a\u0628\u0629 \u0627\u0644\u0633\u0643\u0627\u0646 \u0627\u0644\u0630\u064a\u0646 \u064a\u0645\u062b\u0644\u0648\u0646 \u0623\u0643\u0628\u0631 \u062f\u0648\u0644\u0629 \u064a\u0642\u0637\u0646\u0647\u0627 \u0633\u0643\u0627\u0646 \u0645\u0633\u0644\u0645\u0648\u0646 \u062f\u0648\u0644 \u0627\u0644\u0639\u0627\u0644\u0645\u060c \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u0639\u0645\u0644\u062a \u0627\u0644\u062f\u0648\u0644\u0629 \u0645\u0634\u0641\u0648\u0639\u0629 \u0648\u0645\u062f\u0639\u0648\u0645\u0629 \u0645\u0646 \u0645\u062c\u0644\u0633 \u0627\u0644\u0639\u0644\u0645\u0627\u0621 \u0627\u0644\u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a \u0648\u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0639\u0644\u0649 \u062a\u0644\u0628\u064a\u0629 \u0627\u0644\u0631\u063a\u0628\u0629 \u0644\u062f\u0649 \u0627\u0644\u0633\u0643\u0627\u0646 \u0641\u064a \u0625\u064a\u062c\u0627\u062f \u062e\u062f\u0645\u0627\u062a \u0645\u0635\u0631\u0641\u064a\u0629 \u0645\u062a\u0648\u0627\u0641\u0642\u0629 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\u060c \u0648\u062d\u064a\u062b \u0623\u0646 \u0627\u0644\u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0629 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0645\u062c\u0627\u0644 \u0647\u064a \u062a\u062c\u0631\u0628\u0629 \u063a\u0646\u064a\u0629 \u0648\u0639\u0631\u064a\u0642\u0629 \u062a\u0631\u062c\u0639 \u0625\u0644\u0649 \u0633\u0646\u0629 1992 \u0641\u0625\u0646 \u0643\u0634\u0641 \u062c\u0648\u0627\u0646\u0628 \u0639\u0645\u0644\u064a\u0629 \u0645\u0646\u0647\u0627 \u064a\u0639\u062f \u0623\u0645\u0631\u0627 \u0645\u0647\u0645\u0627 \u0644\u062a\u062d\u0642\u064a\u0642 \u0641\u0627\u0626\u062f\u0629 \u062a\u0639\u0648\u062f \u0639\u0644\u0649 \u062a\u0644\u0643 \u0627\u0644\u0645\u0635\u0627\u0631\u0641\u060c \u0648\u0623\u064a\u0636\u0627 \u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u062a\u062c\u0631\u0628\u0629 \u0641\u064a \u0645\u0635\u0627\u0631\u0641\u0646\u0627 \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0641\u064a \u0644\u064a\u0628\u064a\u0627\u060c \u0641\u064a\u0645\u0627 \u064a\u0639\u062a\u0628\u0631 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0628\u0648\u0627\u0633\u0637\u0629 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0645\u0646 \u0623\u0647\u0645 \u062c\u0648\u0627\u0646\u0628 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0641\u064a \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\u060c \u0648\u0647\u0630\u0627 \u0627\u0644\u0643\u0634\u0641 \u0644\u0627 \u064a\u062a\u0645 \u0625\u0644\u0627 \u0628\u0641\u062d\u0635 \u0634\u0627\u0645\u0644 \u0648\u062f\u0642\u064a\u0642 \u0628\u0623\u062e\u0630 \u0645\u062b\u0627\u0644 \u062a\u0637\u0628\u064a\u0642\u064a \u0639\u0644\u0649 \u0623\u062d\u062f \u0623\u0643\u0628\u0631 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0641\u064a \u0627\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627 \u0648\u0647\u0648 \u0645\u0635\u0631\u0641 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0634\u0631\u064a\u0639\u0629\u060c \u0648\u0630\u0644\u0643 \u0642\u0628\u0644 \u0627\u0646\u062f\u0645\u0627\u062c\u0647 \u0641\u064a \u0623\u0643\u0628\u0631 \u0645\u0635\u0631\u0641 \u0625\u0633\u0644\u0627\u0645\u064a \u0641\u064a \u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627 \u0633\u0646\u0629 2021\u0645.<\/p>\n
      \u062c. \u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u0628\u062d\u062b<\/p>\n
      \u062a\u0633\u0639\u0649 \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0625\u0644\u0649 \u0627\u0644\u0625\u062c\u0627\u0628\u0629 \u0639\u0646 \u0627\u0644\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u062a\u0627\u0644\u064a\u0629:<\/p>\n
        \n
      1. \u0645\u0627 \u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0628\u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0641\u064a \u0645\u0635\u0631\u0641 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0634\u0631\u064a\u0639\u0629\u061f<\/li>\n
      2. \u0645\u0627 \u0623\u0631\u0643\u0627\u0646 \u0639\u0642\u062f \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0641\u064a \u0645\u0635\u0631\u0641 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0634\u0631\u064a\u0639\u0629\u061f<\/li>\n
      3. \u0645\u0627 \u0627\u0644\u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0639\u0627\u0645\u0629 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0628\u0645\u0635\u0631\u0641 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0634\u0631\u064a\u0639\u0629\u061f<\/li>\n<\/ol>\n
        <\/a><\/a>\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0628\u062d\u062b<\/h1>\n
        \u062a\u0647\u062f\u0641 \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0625\u0644\u0649 \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u062a\u0627\u0644\u064a\u0629:<\/p>\n
          \n
        1. \u0645\u0639\u0631\u0641\u0629 \u0648\u0643\u0634\u0641 \u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0628\u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0641\u064a \u0645\u0635\u0631\u0641 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0634\u0631\u064a\u0639\u0629.<\/li>\n
        2. \u0645\u0639\u0631\u0641\u0629 \u0648\u0643\u0634\u0641 \u0623\u0631\u0643\u0627\u0646 \u0639\u0642\u062f \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0641\u064a \u0645\u0635\u0631\u0641 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0634\u0631\u064a\u0639\u0629.<\/li>\n
        3. \u0645\u0639\u0631\u0641\u0629 \u0648\u0643\u0634\u0641 \u0627\u0644\u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0639\u0627\u0645\u0629 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0628\u0645\u0635\u0631\u0641 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0634\u0631\u064a\u0639\u0629.<\/li>\n<\/ol>\n
          \u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0644\u0633\u0627\u0628\u0642\u0629<\/h1>\n
          \u0627\u0637\u0644\u0639 \u0627\u0644\u0628\u0627\u062d\u062b \u0639\u0644\u0649 \u0639\u062f\u062f \u0645\u0646 \u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0633\u0648\u0627\u0621 \u0643\u0627\u0646\u062a \u062f\u0631\u0627\u0633\u0627\u062a \u0639\u0631\u0628\u064a\u0629 \u0623\u0648 \u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0629 \u062a\u0646\u0627\u0648\u0644\u062a \u062c\u0648\u0627\u0646\u0628 \u0645\u0646 \u0647\u0630\u0627 \u0627\u0644\u0645\u0648\u0636\u0648\u0639 \u060c \u0648\u0645\u0646 \u0628\u064a\u0646 \u062a\u0644\u0643 \u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u062f\u0631\u0627\u0633\u0629 “\u062f\u064a\u0648\u064a \u0648\u0648\u0644\u0627\u0646 \u0633\u0627\u0631\u064a” \u0645\u0646 \u0627\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627 \u0628\u0639\u0646\u0648\u0627\u0646: “\u062a\u0623\u062b\u064a\u0631 \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0648\u0627\u0644\u0627\u0633\u062a\u0635\u0646\u0627\u0639 \u0648\u0627\u0644\u0645\u0636\u0627\u0631\u0628\u0629 \u0648\u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0639\u0644\u0649 \u0627\u0644\u0631\u0628\u062d\u064a\u0629\u060c \u0644\u0644\u0641\u062a\u0631\u0629 \u0645\u0646 \u0645\u0627\u0631\u0633 2015 \u0625\u0644\u0649 \u0623\u063a\u0633\u0637\u0633 2016” (Sari , 2017) \u0648\u0628\u064a\u0646\u062a \u0646\u062a\u0627\u0626\u062c\u0647\u0627 \u0623\u0646 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0644\u0647\u0627 \u062a\u0623\u062b\u064a\u0631 \u0643\u0628\u064a\u0631 \u0639\u0644\u0649 \u0627\u0644\u0631\u0628\u062d\u064a\u0629 \u0628\u0639\u0643\u0633 \u0628\u0642\u064a\u0629 \u0623\u062f\u0648\u0627\u062a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0623\u062e\u0631\u0649\u060c \u0648\u062f\u0631\u0627\u0633\u0629 “\u0645\u0627\u064a\u0627 \u0643\u064a\u0633\u0648\u0627\u062a\u064a”(Kiswati, 2017) \u0645\u0646 \u0627\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627 \u0623\u064a\u0636\u0627 \u0628\u0639\u0646\u0648\u0627\u0646: “\u062a\u062d\u0644\u064a\u0644 \u0623\u062b\u0631 \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0648\u0627\u0644\u0645\u0636\u0627\u0631\u0628\u0629 \u0648\u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0639\u0644\u0649 \u0627\u0644\u0639\u0627\u0626\u062f \u0639\u0644\u0649 \u0627\u0644\u0623\u0635\u0648\u0644\u060c \u0628\u0646\u0643 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u062e\u0644\u0627\u0644 \u0627\u0644\u0641\u062a\u0631\u0629 2012- 2016″\u060c \u062e\u0644\u0635 (Anggraini, 2019) \u0641\u064a \u062f\u0631\u0627\u0633\u062a\u0647 \u0627\u0644\u0633\u0627\u0628\u0642\u0629 ” \u062a\u062d\u0644\u064a\u0644 \u0627\u0633\u062a\u062d\u0642\u0627\u0642 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0639\u0644\u0649 \u0639\u0642\u0648\u062f \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0641\u064a \u0645\u0635\u0631\u0641 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0641\u0631\u0639 \u0633\u0648\u0643\u0648\u0647\u0627\u0631\u062c\u0648” \u0628\u0623\u0646 \u0625\u062d\u062f\u0649 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0641\u064a \u0627\u0644\u062a\u063a\u0644\u0628 \u0639\u0644\u0649 \u0645\u0634\u0627\u0643\u0644 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0641\u064a \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0629 \u0647\u064a \u0625\u062c\u0631\u0627\u0621 \u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0630\u064a\u0646 \u064a\u0648\u0627\u062c\u0647\u0648\u0646 \u0645\u0634\u0627\u0643\u0644 \u0641\u064a \u062a\u0633\u062f\u064a\u062f \u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u0641\u064a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629. \u0648\u0643\u0630\u0644\u0643 \u062f\u0631\u0627\u0633\u0629 \u063a\u0631\u0627\u0628 \u062d\u0646\u0627\u0646 (2023) \u0628\u0639\u0646\u0648\u0627\u0646 “\u0623\u062b\u0631 \u0635\u064a\u063a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0628\u0646\u0643\u064a \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u060c\u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0648\u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0648\u0627\u0644\u0645\u0636\u0627\u0631\u0628\u0629 \u0648\u0627\u0644\u0633\u0644\u0645\u060c \u0639\u0644\u0649 \u0627\u0644\u062a\u0636\u062e\u0645 \u0628\u062f\u0648\u0644\u0629 \u0627\u0644\u0633\u0648\u062f\u0627\u0646 \u0631\u0627\u0633\u0629 \u0642\u064a\u0627\u0633\u064a\u0629 \u062e\u0644\u0627\u0644 \u0627\u0644\u0641\u062a\u0631\u0629 \u0645\u0646 2010 \u0625\u0644\u0649 2019” (\u0627\u0644\u0645\u062d\u064a\u0645\u062f\u060c2016): \u0648\u062a\u0648\u0635\u0644\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0625\u0644\u0649 \u0623\u0646 \u0647\u0646\u0627\u0643 \u0639\u0644\u0627\u0642\u0629 \u062a\u0648\u0627\u0632\u0646\u064a\u0629 \u0637\u0648\u064a\u0644\u0629 \u0627\u0644\u0645\u062f\u064a \u0628\u064a\u0646 \u0627\u0644\u0635\u064a\u063a \u0627\u0644\u062a\u0645\u0648\u064a\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0648\u0627\u0644\u062a\u0636\u062e\u0645 \u0628\u0646\u0633\u0628\u0629 \u0636\u0626\u064a\u0644\u0629 \u062c\u062f\u0627\u060c \u0648\u062a\u0645 \u062a\u062d\u062f\u064a\u062f \u0639\u0644\u0627\u0642\u0629 \u0645\u0648\u062c\u0628\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u0649 \u0627\u0644\u0637\u0648\u064a\u0644 \u0628\u064a\u0646 \u0635\u064a\u063a\u0629 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0648\u0628\u064a\u0646 \u0627\u0644\u062a\u0636\u062e\u0645.<\/p>\n
          \u0648\u0645\u0646 \u0628\u064a\u0646 \u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0623\u064a\u0636\u0627 \u062f\u0631\u0627\u0633\u0629 “\u0639\u0628\u062f \u0627\u0644\u0631\u0632\u0627\u0642 \u0634\u064a\u062e” (2019) \u0628\u0639\u0646\u0648\u0627\u0646: “\u0635\u064a\u063a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0648\u0623\u062b\u0631\u0647\u0627 \u0639\u0644\u0649 \u062a\u0648\u0644\u064a\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0641\u064a \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0627\u0633\u0644\u0627\u0645\u064a\u0629 \u062f\u0631\u0627\u0633\u0629 \u062d\u0627\u0644\u0629 \u0628\u0646\u0643 \u0642\u0637\u0631 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u060c2011-2018″(\u0634\u064a\u062e\u060c 2019). \u0648\u062a\u0648\u0635\u0644\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0644\u0639\u062f\u0629 \u0646\u062a\u0627\u0626\u062c \u0645\u0646 \u0628\u064a\u0646\u0647\u0645\u0627: \u0623\u0646 \u0628\u0646\u0643 \u0642\u0637\u0631 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u062a\u062a\u0648\u0644\u062f \u062c\u0644 \u0623\u0631\u0628\u0627\u062d\u0647 \u0645\u0646 \u0635\u064a\u063a\u0629 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0648\u0627\u0644\u0645\u0633\u0627\u0648\u0645\u0627\u062a\u060c \u0648\u062a\u0634\u0643\u0644 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0627\u0644\u0645\u062a\u0648\u0644\u062f\u0629 \u0645\u0646 \u0627\u0644\u0635\u064a\u063a\u062a\u0627\u0646 \u0645\u0627 \u064a\u062a\u062c\u0627\u0648\u0632 \u0646\u0633\u0628\u0629 50% \u0645\u0646 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0623\u0631\u0628\u0627\u062d\u060c \u0643\u0630\u0644\u0643 \u0645\u0646 \u0628\u064a\u0646 \u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u062f\u0631\u0627\u0633\u0629 “\u0639\u0628\u062f \u0627\u0644\u0643\u0631\u064a\u0645 \u064a\u062d\u064a\u0627\u0648\u064a” (2015) \u0628\u0639\u0646\u0648\u0627\u0646: “\u0635\u064a\u063a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0648\u062f\u0648\u0631\u0647\u0627 \u0641\u064a \u062a\u062d\u0631\u064a\u0643 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0635\u0646\u0627\u0639\u064a \u0645\u0639 \u0627\u0644\u0625\u0634\u0627\u0631\u0629 \u0625\u0644\u0649 \u0628\u0639\u0636 \u0627\u0644\u062a\u062c\u0627\u0631\u0628 \u060c\u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u2013 \u0627\u0644\u0633\u0648\u062f\u0627\u0646” \u0648\u0645\u0646 \u0628\u064a\u0646 \u0646\u062a\u0627\u0626\u062c\u0647\u0627 \u0623\u0646\u0647 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062f\u0631\u0627\u0633\u0629 \u062a\u062c\u0631\u0628\u0629 \u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u0648\u0627\u0644\u0633\u0648\u062f\u0627\u0646 \u0627\u062a\u0636\u062d \u0623\u0646 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0642\u0627\u062f\u0631 \u0639\u0644\u0649 \u0627\u0644\u0646\u0647\u0648\u0636 \u0628\u0623\u064a \u0627\u0642\u062a\u0635\u0627\u062f \u0648\u062a\u0637\u0648\u064a\u0631\u0647 \u0648\u062e\u0627\u0635\u0629 \u0627\u0644\u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0632\u064a\u0629(\u064a\u062d\u064a\u0627\u0648\u064a\u060c2015) \u0648\u0623\u062e\u064a\u0631\u0627 \u062f\u0631\u0627\u0633\u0629 “\u0631\u0627\u0626\u062f \u0646\u0635\u0631\u064a \u0623\u0628\u0648 \u0645\u0624\u0646\u0633” \u0628\u0639\u0646\u0648\u0627\u0646: “\u062f\u0631\u0627\u0633\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0627\u0644\u0645\u0627\u0647\u064a\u0629 \u0648\u0627\u0644\u062e\u0635\u0627\u0626\u0635 \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a\u0629 \u062f\u0631\u0627\u0633\u0629 \u062a\u062d\u0644\u064a\u0644\u064a\u0629” (\u0623\u0628\u0648 \u0645\u0624\u0646\u0633\u060c 2019) \u0648\u062a\u0648\u0635\u0644\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0625\u0644\u0649 \u062a\u0648\u0636\u064a\u062d \u0645\u0627\u0647\u064a\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0648\u062e\u0635\u0627\u0626\u0635\u0647 \u0648\u0647\u064a \u062f\u0631\u0627\u0633\u0629 \u0646\u0638\u0631\u064a\u0629.<\/p>\n
          \u0628\u0639\u062f \u0627\u0644\u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u064a\u0646 \u0647\u0630\u0647 \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0648\u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u064a\u062c\u062f \u0627\u0644\u0628\u0627\u062d\u062b \u0623\u0646 \u0645\u0627 \u062a\u062a\u0645\u064a\u0632 \u0628\u0647 \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0627\u0644\u062d\u0627\u0644\u064a\u0629 \u0639\u0646 \u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0647\u0648 \u0623\u0646 \u0647\u0630\u0647 \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u062a\u0631\u0643\u0632 \u0639\u0644\u0649 \u0635\u064a\u063a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0628\u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0648\u0647\u064a \u0623\u0634\u0647\u0631 \u0627\u0644\u0635\u064a\u063a \u0627\u0644\u0645\u062a\u062f\u0627\u0648\u0644\u0629 \u0641\u064a \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0629 \u0628\u0647\u062f\u0641 \u0645\u0639\u0631\u0641\u0629 \u0637\u0631\u064a\u0642\u0629 \u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0635\u0631\u0641 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0634\u0631\u064a\u0639\u0629 \u0641\u064a \u062a\u0642\u062f\u064a\u0645 \u0647\u0630\u0647 \u0627\u0644\u0635\u064a\u063a\u0629\u060c \u0648\u0645\u0639\u0631\u0641\u0629 \u062a\u0648\u0627\u0641\u0642 \u0647\u0630\u0627 \u0627\u0644\u0623\u062f\u0627\u0621 \u0645\u0639 \u0627\u0644\u0642\u0648\u0627\u0639\u062f \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0634\u0631\u0639\u064a\u0629 \u0648\u0641\u0642 \u0645\u0627 \u064a\u0642\u0648\u0645 \u0628\u0647 \u0627\u0644\u0628\u0627\u062d\u062b \u0648\u064a\u0642\u062f\u0645\u0647 \u0645\u0646 \u062a\u062d\u0644\u064a\u0644 \u0648\u0645\u0646\u0627\u0642\u0634\u0629.<\/p>\n
          \u0627\u0644\u0625\u0637\u0627\u0631 \u0627\u0644\u0646\u0638\u0631\u064a<\/h1>\n
          <\/a>\u0645\u0641\u0647\u0648\u0645 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a<\/h2>\n
          \u0644\u063a\u0629 \u062c\u0627\u0621 \u0641\u064a \u0627\u0644\u0645\u0639\u062c\u0645 \u0627\u0644\u0648\u0633\u064a\u0637: \u0641\u064a \u0645\u0627\u062f\u0629 (\u0645\u0627\u0644): \u0645\u0648\u0644\u0627 \u0648\u0645\u0648\u0648\u0644\u0627 \u0643\u062b\u0631 \u0645\u064e\u0627\u0644\u0647 \u0641\u064e\u0647\u064f\u0648\u064e \u0645\u064e\u0627\u0644\u060c \u0648\u064e\u0647\u0650\u064a \u0645\u0627\u0644\u0629 \u0648\u064e\u0641\u064f\u0644\u064e\u0627\u0646\u064b\u0627 \u0623\u0639\u0637\u064e\u0627\u0647\u064f \u0627\u0644\u0645\u064e\u0627\u0644 (\u0645\u0648\u0644\u0647) \u0642\u062f\u0645 \u0644\u064e\u0647\u064f \u0645\u064e\u0627 \u064a\u062d\u0652\u062a\u064e\u0627\u062c \u0645\u0646 \u0645\u064e\u0627\u0644\u060c \u064a\u064f\u0642\u064e\u0627\u0644 \u0645\u0648\u0644 \u0641\u0644\u064e\u0627\u0646\u0627 \u0648\u0645\u0648\u0644 \u0627\u0644\u0652\u0639\u064e\u0645\u064e\u0644\u060c (\u062a\u0645\u0648\u0644) \u0646\u0645\u0627 \u0644\u064e\u0647\u064f \u0645\u064e\u0627\u0644 \u0648\u0645\u0627\u0644\u0627 \u0627\u062a\u064e\u0651\u062e\u0630\u0647\u064f \u0642\u0646\u064a\u0629 (\u0627\u0644\u0645\u064e\u0627\u0644) \u0643\u0644 \u0645\u064e\u0627 \u064a\u0645\u0644\u0643\u0647\u064f \u0627\u0644\u0652\u0641\u064e\u0631\u062f \u0623\u064e\u0648 \u062a\u0645\u0644\u0643\u0647 \u0627\u0644\u0652\u062c\u064e\u0645\u064e\u0627\u0639\u064e\u0629 \u0645\u0646 \u0645\u064e\u062a\u064e\u0627\u0639 \u0623\u064e\u0648 \u0639\u0631\u064f\u0648\u0636 \u062a\u0650\u062c\u064e\u0627\u0631\u064e\u0629 \u0623\u064e\u0648 \u0639\u0642\u0627\u0631 \u0623\u064e\u0648 \u0646\u0642\u0648\u062f \u0623\u064e\u0648 \u062d\u064e\u064a\u064e\u0648\u064e\u0627\u0646 (\u062c) \u0623\u064e\u0645\u0652\u0648\u064e\u0627\u0644 (\u0627\u0644\u0645\u0639\u062c\u0645 \u0627\u0644\u0648\u0633\u064a\u0637\u060c1972\u060c \u062c2\u060c \u0635892).<\/p>\n
          \u0648\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0635\u0637\u0644\u0627\u062d\u0627: \u0647\u0648: “\u0627\u0644\u0646\u0634\u0627\u0637 \u0627\u0644\u0645\u0624\u062f\u064a \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u0629 \u0641\u064a \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u0627\u062a\u060c \u0623\u0648 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0645\u0633\u062a\u0644\u0632\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u062e\u0637\u0637\u060c \u0648\u0643\u0630\u0644\u0643 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0644\u0627\u0632\u0645 \u0644\u0644\u0646\u0634\u0627\u0637 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a”(\u0628\u0646 \u0635\u0627\u0644\u062d\u060c 2012\u060c \u063535).<\/p>\n
          \u0648\u064a\u0639\u0631\u0641 \u0627\u0644\u062f\u0643\u062a\u0648\u0631 “\u0639\u0645\u0631 \u062d\u0633\u064a\u0646” \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0639\u0644\u0649 \u0623\u0646\u0647: “\u062a\u0648\u0641\u0631 \u0627\u0644\u0646\u0642\u0648\u062f \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0645\u0646\u0627\u0633\u0628 \u0623\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0630\u064a \u062a\u0643\u0648\u0646 \u0641\u064a\u0647 \u0627\u0644\u0645\u0624\u0633\u0633\u0629 \u0641\u064a \u0623\u0645\u0633 \u0627\u0644\u062d\u0627\u062c\u0629 \u0644\u0644\u0623\u0645\u0648\u0627\u0644\u060c \u0643\u0645\u0627 \u064a\u0648\u0641\u0631 \u0627\u0644\u0648\u0633\u0627\u0626\u0644 \u0627\u0644\u062a\u064a \u062a\u0645\u0643\u0646 \u0627\u0644\u0623\u0641\u0631\u0627\u062f \u0648\u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0645\u0646 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643 \u0648\u0627\u0644\u0625\u0646\u062a\u0627\u062c \u0639\u0644\u0649 \u0627\u0644\u062a\u0631\u062a\u064a\u0628 \u0648\u0630\u0644\u0643 \u0641\u064a \u0641\u062a\u0631\u0627\u062a \u0645\u0639\u064a\u0646\u0629”(\u062d\u0633\u0646\u060c 1992\u060c \u0635145).<\/p>\n
          \u0648\u064a\u0639\u0631\u0641 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0628\u0623\u0646\u0647: “\u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0645\u0627\u0644 \u0646\u0642\u062f\u064a\u0627 \u0643\u0627\u0646 \u0623\u0645 \u0633\u0644\u0639\u064a\u0627 \u0623\u0645 \u0645\u0646\u0627\u0641\u0639 \u0644\u0637\u0627\u0644\u0628\u0647 \u0634\u062e\u0635\u064a\u0627 \u0643\u0627\u0646 \u0645\u0624\u0633\u0633\u0629 \u0623\u0645 \u062f\u0648\u0644\u0629 \u0645\u0646 \u0627\u0644\u0642\u0627\u062f\u0631 \u0639\u0644\u0649 \u062a\u0648\u0641\u064a\u0631\u0647 \u0645\u0627\u0644\u0643\u0627 \u0644\u0647 \u0623\u0645 \u0648\u0633\u064a\u0637\u0627\u060c \u0628\u0634\u0631\u0648\u0637 \u062a\u0643\u0641\u0644 \u0644\u0644\u0645\u0627\u0646\u062d \u0627\u0633\u062a\u0639\u0627\u062f\u0629 \u0645\u0627 \u0642\u062f\u0645\u0647 \u0645\u0646 \u0645\u0627\u0644 \u0623\u0648 \u0639\u0648\u0636\u0647 \u0645\u0639 \u062a\u062d\u0642\u064a\u0642 \u0631\u0628\u062d\u064a\u0629 \u0644\u0647\u060c \u0643\u0644 \u0630\u0644\u0643 \u0641\u064a \u0625\u0637\u0627\u0631 \u0627\u0644\u062a\u0632\u0627\u0645 \u062c\u0645\u064a\u0639 \u0627\u0644\u0623\u0637\u0631\u0627\u0641 \u0628\u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0648\u0642\u064a\u0645\u0647\u0627 \u0628\u0645\u0627 \u064a\u062d\u0642\u0642 \u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a”(\u0623\u0628\u0648 \u0645\u0624\u0646\u0633\u060c 2019). \u0648\u0647\u0648 \u062a\u0642\u0640\u062f\u064a\u0645 \u062b\u0640\u0631\u0648\u0629 \u0639\u064a\u0646\u064a\u0640\u0629 \u0623\u0648 \u0646\u0642\u062f\u064a\u0640\u0629 \u0628\u0642\u0635\u0640\u062f \u0627\u0644\u0627\u0633\u0640\u062a\u0631\u0628\u0627\u062d \u0645\u0640\u0646 \u0645\u0627\u0644\u0643\u0647\u0640\u0627 \u0625\u0644\u0649 \u0634\u0640\u062e\u0635 \u0622\u062e\u0631 \u064a\u062f\u064a\u0631\u0647\u0627 \u0648\u064a\u062a\u0635\u0631\u0641 \u0641\u064a\u0647\u0627 \u0644\u0642\u0627\u0621 \u0639\u0627\u0626\u062f \u062a\u0628\u064a\u062d\u0647 \u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0634\u0631\u0639\u064a\u0629(\u0642\u062d\u0641\u060c2004\u060c \u063512).<\/p>\n
          \u0648\u0627\u0644\u0647\u062f\u0641 \u0645\u0646 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0623\u0633\u0627\u0633\u0627\u064b \u0647\u0648 \u062a\u0633\u0647\u064a\u0644 \u0627\u0644\u0645\u0628\u0627\u062f\u0644\u0627\u062a \u0648\u0627\u0644\u0623\u0646\u0634\u0637\u0629 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0629\u060c \u0641\u0627\u0644\u0646\u0634\u0627\u0637 \u0627\u0644\u062d\u0642\u064a\u0642\u064a \u0647\u0648 \u0627\u0644\u062a\u0628\u0627\u062f\u0644 \u0625\u0645\u0627 \u0628\u063a\u0631\u0636 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0623\u0648 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u060c \u0648\u0647\u0648 \u0639\u0645\u0627\u062f \u0627\u0644\u0646\u0634\u0627\u0637 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u060c \u0648\u0627\u0644\u062e\u0637\u0648\u0629 \u0627\u0644\u0623\u0648\u0644\u0649 \u0646\u062d\u0648 \u062a\u0646\u0645\u064a\u0629 \u0627\u0644\u062b\u0631\u0648\u0629 \u0648\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0631\u0641\u0627\u0647\u064a\u0629 \u0644\u0623\u0641\u0631\u0627\u062f \u0627\u0644\u0645\u062c\u062a\u0645\u0639\u060c \u0641\u0644\u0648 \u0643\u0627\u0646 \u0627\u0644\u0623\u0641\u0631\u0627\u062f \u064a\u0645\u0644\u0643\u0648\u0646 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0644\u0627\u0632\u0645 \u0644\u0625\u062a\u0645\u0627\u0645 \u0647\u0630\u0647 \u0627\u0644\u0623\u0646\u0634\u0637\u0629 \u0644\u0645\u0627 \u0643\u0627\u0646 \u0647\u0646\u0627\u0643 \u0645\u0628\u0631\u0631 \u0644\u0644\u062a\u0645\u0648\u064a\u0644\u060c \u0648\u0625\u0646\u0645\u0627 \u062a\u0646\u0634\u0623 \u0627\u0644\u062d\u0627\u062c\u0629 \u0644\u0644\u062a\u0645\u0648\u064a\u0644 \u0625\u0630\u0627 \u0648\u062c\u062f\u062a \u0645\u0628\u0627\u062f\u0644\u0629 \u0646\u0627\u0641\u0639\u0629\u061b \u0644\u0643\u0646\u0647\u0627 \u0645\u062a\u0648\u0642\u0641\u0629 \u0628\u0633\u0628\u0628 \u063a\u064a\u0627\u0628 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0644\u0627\u0632\u0645 \u0644\u0625\u062a\u0645\u0627\u0645\u0647\u0627\u060c \u0641\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u062d\u0627\u0644\u0629 \u064a\u062d\u0642\u0642 \u0642\u064a\u0645\u0629 \u0645\u0636\u0627\u0641\u0629 \u0644\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u061b \u0644\u0623\u0646\u0647 \u064a\u0633\u0645\u062d \u0628\u0625\u062a\u0645\u0627\u0645 \u0646\u0634\u0627\u0637 \u062d\u0642\u064a\u0642\u064a \u0646\u0627\u0641\u0639 \u0644\u0645 \u064a\u0643\u0646 \u0645\u0646 \u0627\u0644\u0645\u0645\u0643\u0646 \u0625\u062a\u0645\u0627\u0645\u0647 \u0644\u0648\u0644\u0627 \u0648\u062c\u0648\u062f \u0627\u0644\u062a\u0645\u0648\u064a\u0644 (\u0634\u062d\u0627\u062a\u0647 \u0648\u0623\u062e\u0631\u0648\u0646\u060c2019\u060c \u063511).<\/p>\n
          \u0648\u0641\u064a \u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a: \u0646\u062c\u062f \u0623\u0646 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0647\u0648 \u0627\u0644\u0625\u0645\u062f\u0627\u062f \u0628\u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0644\u0627\u0632\u0645\u0629 \u0644\u0644\u0645\u0646\u0634\u0622\u062a \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629\u060c \u0648\u0630\u0644\u0643 \u0628\u0627\u0644\u0635\u064a\u063a \u0627\u0644\u062a\u064a \u062a\u062a\u0648\u0627\u0641\u0642 \u0645\u0639 \u0623\u062d\u0643\u0627\u0645 \u0648\u0645\u0628\u0627\u062f\u0626 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\u060c \u0648\u0648\u0641\u0642 \u0645\u0639\u0627\u064a\u064a\u0631 \u0648\u0636\u0648\u0627\u0628\u0637 \u0634\u0631\u0639\u064a\u0629 \u0648\u0641\u0646\u064a\u0629\u060c \u062a\u0633\u0627\u0647\u0645 \u0628\u062f\u0648\u0631 \u0641\u0639\u0651\u0627\u0644 \u0641\u064a \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u0646\u0645\u064a\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0648\u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629\u060c \u0648\u0644\u0627 \u0634\u0643 \u0641\u064a \u0623\u0646 \u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u062a\u0646\u0628\u0639 \u0645\u0646 \u062e\u0635\u0627\u0626\u0635 \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0640\u0644\u0627\u0645\u064a \u0627\u0644\u0645\u0633\u0640\u062a\u0645\u062f\u0629 \u0645\u0640\u0646 \u0623\u062d\u0643\u0640\u0627\u0645 \u0648\u0645\u0628\u0640\u0627\u062f\u0626 \u0627\u0644\u0634\u0640\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0640\u0644\u0627\u0645\u064a\u0629 \u0643\u0645\u0640\u0646\u0647\u062c \u0645\u062a\u0643\u0627\u0645\u0640\u0644 \u0644\u0644\u062d\u064a\u0640\u0627\u0629\u060c \u0648\u0644\u0644\u0640\u062f\u0648\u0631 \u0627\u0644\u0631\u0627\u0626\u0640\u062f \u0627\u0644\u0645\u062a\u0643\u0627\u0645\u0640\u0644 \u0627\u0644\u0640\u0630\u064a \u062a\u062d\u0642\u0642\u0640\u0647 \u0645\u0635\u0640\u0627\u062f\u0631 \u0627\u0644\u062a\u0645\u0648\u064a\u0640\u0640\u0644 \u0627\u0644\u0625\u0633\u0640\u0640\u0644\u0627\u0645\u064a \u0641\u064a \u062a\u0644\u0628\u064a\u0640\u0640\u0629 \u0627\u062d\u062a\u064a\u0627\u062c\u0640\u0640\u0627\u062a \u0627\u0644\u0623\u0641\u0640\u0640\u0631\u0627\u062f \u0628\u0645\u0640\u0640\u0627 \u064a\u0643\u0641\u0640\u0640\u0644 \u062a\u062d\u0642\u064a\u0640\u0640\u0642 \u0627\u0644\u062a\u0646\u0645\u064a\u0640\u0640\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0640\u0640\u0627\u062f\u064a\u0629 \u0648\u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0640\u0640\u0629 \u0644\u0644\u0623\u0641\u0640\u0640\u0631\u0627\u062f \u0648\u0627\u0644\u0645\u062c\u062a\u0645\u0639 \u0643\u0643\u0644(\u0643\u062a\u0627\u06412022\u060c \u0635171).<\/p>\n
          \u0648\u064a\u062a\u0645\u064a\u0632 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0628\u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0645\u064a\u0632\u0627\u062a \u0646\u0630\u0643\u0631 \u0645\u0646\u0647\u0627:<\/p>\n
            \n
          1. \u0627\u0639\u062a\u0645\u0627\u062f \u0645\u0628\u062f\u0623 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u064a\u0633\u0627\u0647\u0645 \u0641\u064a \u0625\u0633\u0642\u0627\u0637 \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0628\u0627\u0644\u0641\u0627\u0626\u062f\u0629\u060c \u0645\u0645\u0627 \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u062a\u062e\u0641\u064a\u0636 \u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u0625\u0646\u062a\u0627\u062c\u060c \u0648\u0645\u0646 \u062b\u0645 \u062a\u062e\u0641\u064a\u0636 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0633\u0644\u0639 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a\u060c \u0648\u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0637\u0644\u0628 \u0639\u0644\u064a\u0647\u060c \u0648\u0645\u0646 \u062b\u0645 \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u060c \u0648\u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u062a\u0648\u0638\u064a\u0641\u060c \u0648\u0627\u0633\u062a\u063a\u0644\u0627\u0644 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0627\u0644\u0645\u062a\u0627\u062d\u0629.<\/li>\n
          2. \u062a\u062d\u0642\u064a\u0642 \u0645\u0639\u062f\u0644 \u0623\u0645\u062b\u0644 \u0644\u0644\u0646\u0645\u0648 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a \u0641\u064a \u0627\u0644\u0645\u062c\u062a\u0645\u0639\u060c \u0645\u0646 \u0623\u062c\u0644 \u0632\u064a\u0627\u062f\u0629 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0631\u0641\u0627\u0647\u064a\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629.<\/li>\n
          3. \u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0627\u0644\u0642\u0648\u0629 \u0627\u0644\u0634\u0631\u0627\u0626\u064a\u0629 \u0644\u0644\u0646\u0642\u0648\u062f \u0647\u062f\u0641 \u0639\u0627\u0645\u060c \u0644\u0643\u064a \u062a\u0635\u0628\u062d \u0627\u0644\u0646\u0642\u0648\u062f \u0648\u0627\u0633\u0637\u0629 \u062a\u0628\u0627\u062f\u0644 \u0648\u0648\u062d\u062f\u0629 \u062d\u0633\u0627\u0628\u064a\u0629 \u0648\u0645\u0642\u064a\u0627\u0633\u0627 \u0639\u0627\u062f\u0644\u0627 \u0644\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0645\u0624\u062c\u0644\u0629 \u0648\u0645\u0633\u062a\u0648\u062f\u0639 \u0644\u0644\u0642\u064a\u0645\u0629.<\/li>\n
          4. \u064a\u0639\u0645\u0644 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0639\u0644\u0649 \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0639\u062f\u0627\u0644\u0629 \u0641\u064a \u062a\u0648\u0632\u064a\u0639 \u0627\u0644\u062f\u062e\u0644\u060c \u0645\u0646 \u062e\u0644\u0627\u0644 \u0631\u0628\u0637 \u0627\u0644\u0642\u064a\u0645 \u0627\u0644\u062a\u0628\u0627\u062f\u0644\u064a\u0629 \u0644\u0644\u0633\u0644\u0639 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a.<\/li>\n
          5. \u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u062a\u0646\u0645\u064a\u0629 \u0627\u0644\u0645\u0627\u0644 \u0648\u0639\u062f\u0645 \u0627\u0643\u062a\u0646\u0627\u0632\u0647 \u0648\u062d\u0628\u0633\u0647 \u0639\u0646 \u0627\u0644\u062a\u062f\u0627\u0648\u0644 (\u0642\u0637\u0627\u0641 \u0648\u0645\u0642\u062f\u0645\u060c 2017\u060c \u0635301).<\/li>\n<\/ol>\n
            \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0628\u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629<\/h2>\n
            \u062a\u0645\u062a\u0644\u0643 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0623\u0633\u0627\u0644\u064a\u0628 \u0648\u0635\u064a\u063a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0633\u062a\u0646\u0628\u0637\u0629 \u0645\u0646 \u0641\u0642\u0647 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u062a\u0645 \u062a\u0648\u0635\u064a\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0645\u0646 \u0645\u0642\u062f\u0645\u064a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0625\u0644\u0649 \u0637\u0627\u0644\u0628\u064a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0648\u0641\u0642\u0627 \u0644\u0647\u0627 \u0648\u0644\u0643\u0644 \u0635\u064a\u063a\u0629 \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0635\u064a\u063a \u0623\u0633\u0644\u0648\u0628\u0647\u0627 \u0641\u064a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u062d\u0633\u0628 \u0637\u0628\u064a\u0639\u062a\u0647\u0627 \u0627\u0644\u062a\u0645\u0648\u064a\u0644\u064a\u0629 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0647\u0627\u060c \u0648\u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u064a\u0631\u0643\u0632 \u0627\u0644\u0628\u0627\u062d\u062b \u0639\u0644\u0649 \u0623\u0647\u0645 \u0635\u064a\u063a \u0644\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0648\u0647\u064a \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629\u060c \u0648\u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0647\u064a \u0645\u0627 \u064a\u0639\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u0642\u0647 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0628\u0627\u0644\u0628\u064a\u0648\u0639\u060c \u0648\u0628\u064a\u0639 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0640\u0629 \u0647\u0640\u0648 \u0623\u062d\u0640\u062f \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0628\u064a\u0648\u0639 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629\u060c \u0648\u062a\u0639\u0631\u0641 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0628\u0623\u0646\u0647\u0627 \u0627\u0644\u0628\u064a\u0639 \u0628\u0645\u0627 \u0627\u0634\u062a\u0631\u0649 \u0648\u0628\u0632\u064a\u0627\u062f\u0629 \u0631\u0628\u062d \u0645\u0639\u0644\u0648\u0645 \u0639\u0644\u064a\u0647 (\u0627\u0644\u0628\u0631\u0643\u062a\u064a\u060c1986\u060c \u062c1\u060c \u0635476) (\u0627\u0644\u0646\u0633\u0641\u064a\u060c1995\u060c \u062c1\u060c \u0635240) (\u0627\u0644\u0645\u0646\u0627\u0648\u064a\u060c1410\u0647\u060c \u062c1\u060c \u0635647).<\/p>\n
            \u0648\u0639\u0631\u0641\u062a \u0628\u0623\u0646\u0647\u0627 \u0628\u064a\u0640\u0639 \u0627\u0644\u0640\u0634\u064a\u0621 \u0628\u0645\u062b\u0640\u0644 \u0627\u0644\u0640\u062b\u0645\u0646 \u0627\u0644\u0623\u0648\u0644 (\u062b\u0645\u0646\u0640\u0647 \u0627\u0644\u0623\u0635\u0644\u064a) \u0645\u0636\u0627\u0641\u0627\u064b \u0625\u0644\u064a\u0647 \u0632\u064a\u0627\u062f\u0629 \u0645\u0639\u0644\u0648\u0645\u0629 \u0644\u0644\u0645\u0634\u062a\u0631\u064a \u062a\u0645\u062b\u0644 \u0647\u0627\u0645\u0634 \u0627\u0644\u0631\u0628\u062d \u0644\u0644\u0628\u0627\u0626\u0639\u060c \u0648\u0647\u064a \u0646\u0648\u0639 \u0645\u0640\u0646 \u0623\u0646\u0640\u0648\u0627\u0639 \u0628\u064a\u0640\u0648\u0639 \u0627\u0644\u0623\u0645\u0627\u0646\u0629\u060c \u0648\u0641\u064a\u0647 \u064a\u062a\u0645 \u0627\u0644\u0627\u062a\u0641\u0627\u0642 \u0628\u064a\u0646 \u0627\u0644\u0628\u0627\u0626\u0639 \u0648\u0627\u0644\u0645\u0634\u062a\u0631\u064a \u0639\u0644\u0649 \u062b\u0645\u0646 \u0627\u0644\u0633\u0644\u0639\u0629 \u0622\u062e\u0630\u064a\u0646 \u0628\u0639\u064a\u0646 \u0627\u0644\u0627\u0639\u062a\u0628\u0627\u0631 \u062b\u0645\u0646\u0647\u0640\u0627 \u0627\u0644\u0623\u0635\u0640\u0644\u064a \u0627\u0644\u0630\u064a \u0627\u0634\u062a\u0631\u0627\u0647\u0627 \u0628\u0647 \u0627\u0644\u0628\u0627\u0626\u0639\u060c \u0648\u062a\u0639\u062f \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u0627\u062d\u062f\u0629 \u0645\u0646 \u0623\u0647\u0645 \u0635\u064a\u063a \u0627\u0644\u062a\u0645\u0648\u064a\u0640\u0644 \u0627\u0644\u0623\u0643\u062b\u0640\u0631 \u062a\u0637\u0628\u064a\u0642\u0640\u0627\u064b \u0641\u0640\u064a \u0627\u0644\u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\u060c \u062d\u064a\u062b \u0628\u062f\u0623 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627 \u0645\u0639 \u0628\u062f\u0627\u064a\u0629 \u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u0639\u0645\u0644\u064a \u0644\u0644\u0645\u0640\u0635\u0627\u0631\u0641 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\u060c \u0623\u064a \u0645\u0646\u0630 \u0639\u0642\u062f \u0627\u0644\u0633\u0628\u0639\u064a\u0646\u064a\u0627\u062a \u0641\u064a \u0627\u0644\u0642\u0631\u0646 \u0627\u0644\u0645\u0627\u0636\u064a\u060c \u0648\u064a\u0642\u0648\u0645 \u0627\u0644\u0645\u0635\u0631\u0641 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0647\u0630\u0647 \u0627\u0644\u0635\u064a\u063a\u0629 \u0628\u0634\u0631\u0627\u0621 \u0645\u0640\u0627 \u064a\u062d\u062a\u0627\u062c\u0640\u0647 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0645\u0646 \u0633\u0644\u0639 \u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a\u0629 \u0648\u0645\u0648\u062c\u0648\u062f\u0627\u062a \u0627\u0646\u062a\u0627\u062c\u064a\u0629 (\u0627\u0644\u0633\u0631\u0637\u0627\u0648\u064a\u060c 1999\u060c \u0635235).<\/p>\n
            \u0648\u0635\u0648\u0631 \u0647\u0630\u0647 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0629 \u0641\u064a \u0627\u0644\u0645\u0635\u0631\u0641 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0647\u064a: \u0623\u0646 \u064a\u062a\u0642\u062f\u0645 \u0627\u0644\u0639\u0645\u064a\u0644 \u0625\u0644\u0649 \u0627\u0644\u0645\u0635\u0631\u0641 \u0637\u0627\u0644\u0628\u0627\u064b \u0645\u0646\u0647 \u0634\u0631\u0627\u0621 \u0633\u0644\u0639\u0629 \u0645\u0639\u064a\u0646\u0629 \u0628\u0627\u0644\u0645\u0648\u0627\u0635\u0641\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u062d\u062f\u062f\u0647\u0627 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0627\u0644\u0648\u0639\u062f \u0628\u0634\u0631\u0627\u0621 \u062a\u0644\u0643 \u0627\u0644\u0633\u0644\u0639\u0629 \u0627\u0644\u0644\u0627\u0632\u0645\u0629 \u0644\u0647 \u0641\u0639\u0644\u0627\u064b \u0645\u0631\u0627\u0628\u062d\u0629 \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0627\u0644\u062a\u064a \u064a\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627\u060c \u0648\u064a\u062f\u0641\u0639 \u0627\u0644\u062b\u0645\u0646 \u0645\u0642\u0633\u0637\u0627\u064b \u062d\u0633\u0628 \u0627\u0645\u0643\u0627\u0646\u0627\u062a\u0647\u060c \u0639\u0644\u0649 \u0623\u0646 \u064a\u062f\u0639\u0645 \u0647\u0630\u0627 \u0627\u0644\u0637\u0644\u0628 \u0628\u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0627\u0644\u0644\u0627\u0632\u0645\u0629\u060c \u0648\u0645\u0646\u0647\u0627 \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0639\u0631\u0636 \u0623\u0633\u0639\u0627\u0631 \u0644\u0644\u0633\u0644\u0639\u0629 \u0645\u0648\u0636\u0648\u0639 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629\u060c \u0648\u064a\u0642\u0648\u0645 \u0627\u0644\u0645\u0635\u0631\u0641 \u0628\u0639\u062f \u0630\u0644\u0643 \u0628\u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0644\u0627\u0632\u0645\u0629 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u0633\u0644\u0639\u0629 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u0648\u062f\u0641\u0639 \u0642\u064a\u0645\u062a\u0647\u0627\u060c \u0648\u0628\u0639\u062f \u0648\u0635\u0648\u0644 \u0627\u0644\u0628\u0636\u0627\u0639\u0629 \u064a\u064f\u062e\u0637\u0631 \u0627\u0644\u0639\u0645\u064a\u0644 \u0644\u0625\u062a\u0645\u0627\u0645 \u0627\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0628\u064a\u0639 (\u0627\u0644\u0628\u0644\u062a\u0627\u062c\u064a\u060c2012\u060c \u063543).<\/p>\n
            \u0648\u062a\u0648\u062c\u062f \u0639\u062f\u0629 \u0634\u0631\u0648\u0637 \u0644\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0630\u0643\u0631\u0647\u0627 \u0627\u0644\u0641\u0642\u0647\u0627\u0621 \u0645\u0646 \u0623\u0647\u0645\u0647\u0627:<\/p>\n
              \n
            1. \u0623\u0646 \u064a\u0643\u0648\u0646 \u0627\u0644\u062b\u0645\u0646 \u0627\u0644\u0623\u0648\u0644 \u0645\u0639\u0644\u0648\u0645 \u0644\u0637\u0631\u0641\u064a \u0627\u0644\u0639\u0642\u062f \u0648\u0628\u0627\u0644\u0623\u062e\u0635 \u0644\u0644\u0645\u0634\u062a\u0631\u064a \u0627\u0644\u062b\u0627\u0646\u064a\u060c \u0648\u0643\u0630\u0644\u0643 \u0645\u0627 \u064a\u062d\u0645\u0644 \u0639\u0644\u064a\u0647 \u0645\u0646 \u062a\u0643\u0627\u0644\u064a\u0641 \u0623\u062e\u0631\u0649.<\/li>\n
            2. \u0623\u0646 \u064a\u0643\u0648\u0646 \u0627\u0644\u0631\u0628\u062d \u0645\u0639\u0644\u0648\u0645\u0627 \u0633\u0648\u0627\u0621 \u0643\u0627\u0646 \u0645\u0642\u062f\u0627\u0631\u0627 \u0627\u0648 \u0646\u0633\u0628\u0629 \u0645\u0646 \u0627\u0644\u062b\u0645\u0646 \u0627\u0644\u0623\u0648\u0644.<\/li>\n
            3. \u0644\u0627 \u064a\u0635\u062d \u0628\u064a\u0639 \u0627\u0644\u0646\u0642\u0648\u062f \u0648\u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0628\u0645\u062b\u0644\u0647\u0627 \u0648\u0644\u0627 \u064a\u062c\u0648\u0632 \u0628\u064a\u0639 \u0627\u0644\u0633\u0644\u0639\u0629 \u0628\u0645\u062b\u0644\u0647\u0627.<\/li>\n
            4. \u0623\u0646 \u064a\u0643\u0648\u0646 \u0627\u0644\u0639\u0642\u062f \u0627\u0644\u0623\u0648\u0644 \u0635\u062d\u064a\u062d\u0627 \u0648\u0630\u0644\u0643 \u0644\u0623\u0646 \u0628\u064a\u0639 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0645\u0631\u062a\u0628\u0637 \u0628\u0627\u0644\u0639\u0642\u062f \u0627\u0644\u0623\u0648\u0644 (\u0627\u0644\u0645\u0627\u0644\u0642\u064a \u060c2000\u060c \u0635423).<\/li>\n<\/ol>\n
              \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0648\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0641\u064a \u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627<\/h2>\n
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              \u0648\u0628\u0639\u062f \u062c\u0647\u0648\u062f \u0648\u0645\u0628\u0627\u062f\u0631\u0629 \u0645\u0646 \u0645\u062c\u0644\u0633 \u0627\u0644\u0639\u0644\u0645\u0627\u0621 \u0627\u0644\u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a (MUI) \u0648\u062a\u0632\u0627\u0645\u0646 \u0630\u0644\u0643 \u0645\u0639 \u0635\u062f\u0648\u0631 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0631\u0642\u0645 (7) \u0644\u0633\u0646\u0629 1992\u0645 \u0628\u0634\u0623\u0646 \u062a\u0646\u0638\u064a\u0645 \u0627\u0644\u0645\u0635\u0627\u0631\u0641\u060c \u0623\u0635\u062f\u0631\u062a \u0627\u0644\u062d\u0643\u0648\u0645\u0629 \u0627\u0644\u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0629 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0631\u0642\u0645 (10) \u0644\u0633\u0646\u0629 1998\u0645 \u0644\u062a\u0639\u062f\u064a\u0644 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0631\u0642\u0645 (7) \u0644\u0633\u0646\u0629 1992\u0645\u060c \u0648\u0643\u0627\u0646 \u0627\u0644\u063a\u0631\u0636 \u0645\u0646 \u0630\u0644\u0643 \u062a\u0648\u0633\u064a\u0639 \u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0641\u064a \u0645\u062c\u0627\u0644\u0627\u062a \u0645\u062b\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0648\u0623\u0633\u0648\u0627\u0642 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0648\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0648\u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\u060c \u0648\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0623\u0635\u063a\u0631 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a.<\/p>\n
              \u0648\u0625\u062b\u0631 \u0627\u0644\u0623\u0632\u0645\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0627\u0644\u062a\u064a \u0637\u0627\u0644\u062a \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a \u0648\u0647\u064a \u0623\u0632\u0645\u0629 \u0627\u0644\u0646\u0645\u0648\u0631 \u0627\u0644\u0623\u0633\u064a\u0648\u064a\u0629 1997\u0645 \u0648\u0627\u0644\u062a\u064a \u0638\u0647\u0631\u062a \u0622\u062b\u0627\u0631\u0647\u0627 \u0627\u0644\u0645\u062f\u0645\u0631\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629\u060c \u0648\u0628\u064a\u0646\u0645\u0627 \u0643\u0627\u0646\u062a \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0641\u064a \u0645\u0623\u0645\u0646 \u0645\u0646\u0647\u0627\u060c \u0636\u0631\u0628\u062a \u0622\u062b\u0627\u0631\u0647\u0627 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0628\u0634\u062f\u0629\u060c \u0648\u0639\u0644\u0649 \u0623\u062b\u0631\u0647\u0627 \u0642\u0627\u0645\u062a \u0627\u0644\u062d\u0643\u0648\u0645\u0629 \u0628\u0639\u062f\u0629 \u062e\u0637\u0648\u0627\u062a \u0644\u0625\u0639\u0627\u062f\u0629 \u062b\u0642\u0629 \u0627\u0644\u0645\u0648\u0627\u0637\u0646\u064a\u0646 \u0628\u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u060c \u0648\u0642\u062f \u0627\u062a\u0636\u062d \u0623\u0646 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0625\u063a\u0644\u0627\u0642 \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629 \u0627\u0644\u062a\u064a \u0642\u0627\u0645\u062a \u0628\u0647\u0627 \u0627\u0644\u062d\u0643\u0648\u0645\u0629 \u0628\u0633\u0628\u0628 \u0637\u0628\u064a\u0639\u0629 \u0639\u062c\u0632 \u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0628\u0646\u0648\u0643 \u0639\u0646 \u0627\u0644\u0648\u0641\u0627\u0621 \u0628\u062a\u0639\u0647\u062f\u0627\u062a\u0647\u0627 \u0644\u0645 \u062a\u0637\u0627\u0644 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\u060c \u0648\u0644\u0645 \u064a\u062a\u0623\u062b\u0631 \u0639\u0645\u0644\u0647\u0627 \u0625\u0644\u0627 \u0641\u064a \u0628\u0639\u0636 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629\u060c \u0628\u0633\u0628 \u0637\u0628\u064a\u0639\u0629 \u0647\u0630\u0647 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0648\u062e\u0635\u0627\u0626\u0635\u0647\u0627\u060c \u0648\u0628\u0639\u062f\u0647\u0627 \u0639\u0646 \u0627\u0644\u0641\u0648\u0627\u0626\u062f \u0627\u0644\u0631\u0628\u0648\u064a\u0629\u060c \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u0623\u0638\u0647\u0631\u062a \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0627\u0633\u0644\u0627\u0645\u064a\u0629 \u0635\u0644\u0627\u0628\u062a\u0647\u0627 \u062e\u0644\u0627\u0644 \u0627\u0644\u0623\u0632\u0645\u0629 \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0627\u0644\u062a\u064a \u0636\u0631\u0628\u062a \u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627 \u0641\u064a \u0627\u0644\u0641\u062a\u0631\u0629 \u0645\u0646 1997-1998\u0645\u060c \u0648\u0627\u0644\u062a\u064a \u0643\u0627\u0646\u062a \u0645\u0646 \u0623\u0635\u0639\u0628 \u0627\u0644\u0623\u0632\u0645\u0627\u062a \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0627\u0644\u062a\u064a \u0645\u0631\u062a \u0639\u0644\u0649 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a \u0639\u0644\u0649 \u0645\u0631 \u0627\u0644\u0639\u0635\u0648\u0631 (\u0639\u0628\u062f \u0627\u0644\u062d\u0645\u064a\u062f\u060c 2018\u060c \u063590).<\/p>\n
              \u062b\u0645 \u0642\u0627\u0645\u062a \u0627\u0644\u0633\u0644\u0637\u0627\u062a \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0648\u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0641\u064a \u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627 \u0628\u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u062a\u0648\u0627\u0635\u0644\u0629 \u0645\u0646 \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0648\u062c\u062a \u0641\u064a 17 \u064a\u0648\u0646\u064a\u0648 2008 \u0628\u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0631\u0642\u0645 21 \u0644\u0639\u0627\u0645 2008 \u0628\u0634\u0623\u0646 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\u060c \u0648\u0627\u0644\u0630\u064a \u064a\u0646\u0638\u0645 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0648\u064a\u0648\u0636\u062d \u0623\u062d\u0643\u0627\u0645 \u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0648\u062c\u062f\u0648\u0649 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0648\u062a\u0648\u0632\u064a\u0639 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0648\u0641\u0635\u0644 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0634\u0631\u0639\u064a\u0629 \u0639\u0646 \u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629\u060c \u0648\u0628\u0627\u0639\u062a\u0628\u0627\u0631\u0647 \u0642\u0627\u0646\u0648\u0646\u064b\u0627 \u064a\u0646\u0638\u0645 \u0639\u0644\u0649 \u0648\u062c\u0647 \u0627\u0644\u062a\u062d\u062f\u064a\u062f \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0634\u0631\u0639\u064a\u0629\u060c \u0641\u0647\u0630\u0627 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u064a\u0646\u0638\u0645 \u0645\u0633\u0623\u0644\u0629 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0648\u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0648\u0641\u0642 \u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u0642\u0639 \u0633\u0644\u0637\u062a\u0647\u0627 \u0639\u0644\u0649 \u0639\u0627\u062a\u0642 \u0645\u062c\u0644\u0633 \u0627\u0644\u0639\u0644\u0645\u0627\u0621 \u0627\u0644\u0645\u0633\u0644\u0645\u064a\u0646 \u0627\u0644\u0630\u064a \u062a\u0645\u062b\u0644\u0647 \u0647\u064a\u0626\u0629 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0634\u0631\u0639\u064a\u0629 (DPS)\u060c \u0648\u0623\u0644\u0632\u0645 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0636\u0631\u0648\u0631\u0629 \u062a\u0634\u0643\u064a\u0644 \u0644\u062c\u0646\u0629 \u0641\u064a \u0643\u0644 \u0645\u0635\u0631\u0641 \u0625\u0633\u0644\u0627\u0645\u064a \u0623\u0648 \u0648\u062d\u062f\u0629 \u0623\u0639\u0645\u0627\u0644 \u0634\u0631\u0639\u064a\u0629\u060c \u0644\u0645\u062a\u0627\u0628\u0639\u0629 \u062a\u0646\u0641\u064a\u0630 \u0627\u0644\u0641\u062a\u0648\u0649 \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0639\u0646 \u0645\u062c\u0644\u0633 \u0627\u0644\u0639\u0644\u0645\u0627\u0621 \u0627\u0644\u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a (MUI) \u0648\u0627\u0644\u0645\u0646\u0635\u0648\u0635 \u0639\u0644\u064a\u0647\u0627 \u0641\u064a \u0644\u0648\u0627\u0626\u062d \u0628\u0646\u0643 \u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627 (PBI) (Ghozali, Azmi ,& Nugroho, 2019, 44-45).<\/p>\n
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              \u0632. \u0645\u0646\u0647\u062c \u0627\u0644\u062f\u0631\u0627\u0633\u0629<\/h1>\n
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                \n
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                \u064a\u0643\u062a\u0633\u0628 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0628\u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0636\u0645\u0646 \u0645\u0643\u0648\u0646\u0627\u062a \u0639\u0642\u0648\u062f \u0645\u0635\u0631\u0641 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0634\u0631\u064a\u0639\u0629 \u0623\u0647\u0645\u064a\u0629 \u0648\u0623\u0648\u0644\u0648\u064a\u0629 \u0642\u0635\u0648\u0649\u060c \u0648\u0647\u0630\u0627 \u0645\u0627 \u062a\u0634\u064a\u0631 \u0625\u0644\u064a\u0647 \u0644\u063a\u0629 \u0627\u0644\u0623\u0631\u0642\u0627\u0645 \u0642\u0628\u0644 \u0623\u064a \u0645\u0624\u0634\u0631\u0627\u062a \u0623\u062e\u0631\u0649 \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0648\u063a\u064a\u0631\u0647\u0645\u060c \u0645\u0627 \u064a\u0642\u0631\u0628 \u0645\u0646 60% \u0625\u0644\u0649 70% \u0645\u0646 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u062a\u0633\u062a\u062d\u0648\u0630 \u0639\u0644\u064a\u0647 \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0641\u064a \u0645\u0635\u0631\u0641 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0634\u0631\u064a\u0639\u0629 \u0648\u0641\u064a \u0628\u0646\u0643 \u0645\u0639\u0627\u0645\u0644\u0627\u062a (Latif , 2016, 9).<\/p>\n
                \u0648\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0647\u0648 \u0639\u0642\u062f \u0644\u062a\u0648\u0631\u064a\u062f \u0627\u0644\u0633\u0644\u0639 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0646\u0638\u0627\u0645 \u0627\u0644\u0628\u064a\u0639 \u0648\u0627\u0644\u0634\u0631\u0627\u0621\u060c \u062d\u064a\u062b \u064a\u0642\u0648\u0645 \u0627\u0644\u0628\u0646\u0643 \u0643\u0628\u0627\u0626\u0639 \u0628\u062a\u0648\u0641\u064a\u0631 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0627\u0644\u0639\u0645\u064a\u0644 \u0648\u0628\u064a\u0639 \u0627\u0644\u0633\u0644\u0639\u0629 \u0644\u0644\u0639\u0645\u064a\u0644 \u0628\u0633\u0639\u0631 \u0627\u0644\u0634\u0631\u0627\u0621\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0647\u0627\u0645\u0634 \u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u060c \u0625\u0630\u0627 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0647\u064a \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0628\u064a\u0639 \u0648\u0634\u0631\u0627\u0621 \u0628\u064a\u0646 \u0627\u0644\u0639\u0645\u064a\u0644 \u0648\u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u060c \u0645\u0646 \u0627\u0644\u0646\u0627\u062d\u064a\u0629 \u0627\u0644\u0641\u0646\u064a\u0629 \u0641\u064a \u0628\u0646\u0643 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0634\u0631\u064a\u0639\u0629 \u0641\u0647\u0648 \u064a\u0642\u0648\u0645 \u0628\u0634\u0631\u0627\u0621 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0627\u0644\u0639\u0645\u064a\u0644 \u0625\u0644\u0649 \u0627\u0644\u0645\u0648\u0631\u062f \u062b\u0645 \u0628\u064a\u0639 \u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u0645\u0631\u0629 \u0623\u062e\u0631\u0649 \u0625\u0644\u0649 \u0627\u0644\u0639\u0645\u064a\u0644 \u0628\u0647\u0627\u0645\u0634 \u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u060c \u064a\u062a\u0645 \u062f\u0641\u0639 \u0633\u0639\u0631 \u0627\u0644\u0628\u064a\u0639 (\u0627\u0644\u0633\u0639\u0631 \u0627\u0644\u0623\u0633\u0627\u0633\u064a + \u0647\u0627\u0645\u0634 \u0627\u0644\u0631\u0628\u062d) \u0639\u0644\u0649 \u0623\u0642\u0633\u0627\u0637 \u0643\u0644 \u0634\u0647\u0631 \u0644\u0644\u0641\u062a\u0631\u0629 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u0628\u064a\u0646 \u0627\u0644\u0639\u0645\u064a\u0644 \u0648\u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u060c \u0648\u0645\u064a\u0632\u0629 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u0645\u0645\u0627\u062b\u0644\u0629 \u0641\u064a \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0647\u064a \u0623\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u062b\u0627\u0628\u062a\u060c \u062f\u0648\u0646 \u062a\u063a\u064a\u064a\u0631 \u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u062a\u0642\u0644\u0628\u0627\u062a \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0643\u0645\u0627 \u0641\u064a \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0630\u0644\u0643 \u0641\u0625\u0646 \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0647\u0648 \u062a\u0645\u0648\u064a\u0644 \u0645\u062a\u0648\u0627\u0641\u0642 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\u060c \u0623\u064a \u0623\u0646\u0647 \u0644\u0627 \u064a\u0648\u062c\u062f \u0639\u0646\u0635\u0631 \u0627\u0644\u0631\u0628\u0627 \u0641\u064a\u0647\u060c \u0639\u0627\u062f\u0629 \u0645\u0627 \u062a\u0643\u0648\u0646 \u0627\u0644\u0633\u0644\u0639 \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646 \u062a\u062f\u0627\u0648\u0644\u0647\u0627 \u0641\u064a \u0628\u0646\u0643 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0641\u064a \u0634\u0643\u0644: \u0634\u0631\u0627\u0621 \u0645\u0646\u0627\u0632\u0644\u060c \u0645\u0628\u0627\u0646\u064a \u0623\u0648 \u0645\u0627 \u0634\u0627\u0628\u0647\u060c \u0634\u0631\u0627\u0621 \u0645\u0631\u0643\u0628\u0627\u062a\u060c \u0645\u0639\u062f\u0627\u062a \u0646\u0642\u0644\u060c \u0634\u0631\u0627\u0621 \u0645\u0639\u062f\u0627\u062a \u0635\u0646\u0627\u0639\u064a\u0629\u060c \u0648\u0634\u0631\u0627\u0621 \u0623\u0635\u0648\u0644 \u0623\u062e\u0631\u0649 \u0644\u0627 \u062a\u062a\u0639\u0627\u0631\u0636 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 (http:\/\/www.syariahmandiri.co.id).<\/p>\n
                  \n
                1. \u0623\u0631\u0643\u0627\u0646 \u0639\u0642\u062f \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0641\u064a \u0645\u0635\u0631\u0641 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0634\u0631\u064a\u0639\u0629<\/strong><\/li>\n<\/ol>\n
                  \u0623\u0631\u0643\u0627\u0646 \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0628\u0645\u0635\u0631\u0641 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0634\u0631\u064a\u0639\u0629 \u0647\u064a \u0623\u0631\u0628\u0639 \u0623\u0631\u0643\u0627\u0646 \u0648\u0647\u064a \u0643\u0645\u0627 \u064a\u0644\u064a:<\/p>\n
                  \u0623. \u0627\u0644\u0628\u0627\u0626\u0639 \u0647\u0648 \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u0630\u064a \u0644\u062f\u064a\u0647 \u0633\u0644\u0639 \u0644\u0644\u0628\u064a\u0639.<\/p>\n
                  \u0628. \u0627\u0644\u0645\u0634\u062a\u0631\u064a \u0647\u0648 \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u0630\u064a \u064a\u062d\u062a\u0627\u062c \u0648\u0633\u064a\u0634\u062a\u0631\u064a \u0627\u0644\u0628\u0636\u0627\u0626\u0639 (\u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u062d\u0627\u0644\u0629\u060c \u064a\u062c\u0628 \u0623\u0646 \u064a\u062a\u0645 \u0627\u0633\u062a\u064a\u0641\u0627\u0621 \u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u0644\u0627\u0632\u0645\u0629 \u0644\u0644\u0628\u064a\u0639 \u062d\u0633\u0628 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0623\u064a \u0637\u0648\u0639\u064a\u064b\u0627 \u0628\u0645\u0639\u0646\u0649 \u0623\u0646\u0647 \u0644\u0627 \u064a\u062a\u0645 \u0625\u062c\u0628\u0627\u0631\u0647 \u0623\u0648 \u062a\u062d\u062a \u0627\u0644\u0636\u063a\u0637).<\/p>\n
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                  1) \u0643\u0644 \u0627\u0644\u0633\u0644\u0639 \u062c\u0627\u0626\u0632\u0629 \u0644\u0644\u0628\u064a\u0639 \u0645\u0627 \u0639\u062f\u0627 \u0627\u0644\u0645\u062d\u0638\u0648\u0631\u0629 \u0623\u0648 \u0627\u0644\u0645\u062d\u0631\u0645\u0629<\/p>\n
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                  3) \u064a\u0645\u0643\u0646 \u062a\u0648\u0641\u064a\u0631 \u0647\u0630\u0647 \u0627\u0644\u0633\u0644\u0639 \u062d\u0627\u0644\u0627\u064b \u0644\u0644\u0645\u0634\u062a\u0631\u064a<\/p>\n
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                  \u0623\u0633\u0641\u0644 \u0627\u0644\u0646\u0645\u0648\u0630\u062c<\/p>\n
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                    \n
                  1. \u0627\u0644\u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0639\u0627\u0645\u0629 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0628\u0645\u0635\u0631\u0641 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0634\u0631\u064a\u0639\u0629<\/strong><\/li>\n<\/ol>\n
                    \u0641\u064a \u0627\u0644\u0645\u0627\u062f\u0629 (1) \u0645\u0646 \u0644\u0627\u0626\u062d\u0629 \u0628\u0646\u0643 \u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627 (PBI) \u0631\u0642\u0645 7\/46 \/ PBI \/ 2005 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u062a\u062d\u0635\u064a\u0644 \u0648\u062a\u0648\u0632\u064a\u0639 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0644\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u064a \u062a\u0642\u0648\u0645 \u0628\u0623\u0646\u0634\u0637\u0629 \u062a\u062c\u0627\u0631\u064a\u0629 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0645\u0628\u0627\u062f\u0626 \u0627\u0644\u0634\u0631\u064a\u0639\u0629\u060c \u062a\u0646\u0635 \u0641\u0642\u0631\u062a\u0647\u0627 \u0639\u0644\u0649 \u0623\u0646 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0647\u064a \u0628\u064a\u0639 \u0648\u0634\u0631\u0627\u0621 \u0627\u0644\u0633\u0644\u0639 \u064a\u062a\u0636\u0645\u0646 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0628\u0636\u0627\u0626\u0639\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0647\u0627\u0645\u0634 \u0627\u0644\u0631\u0628\u062d \u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647.<\/p>\n
                    \u0648\u0641\u064a \u062a\u0648\u0636\u064a\u062d \u0627\u0644\u0645\u0627\u062f\u0629 (19) \u0645\u0646 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0631\u0642\u0645 (21) \u0644\u0633\u0646\u0629 2008 \u0628\u0634\u0623\u0646 \u0627\u0644\u0635\u064a\u0631\u0641\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u064a\u0630\u0643\u0631 \u0623\u0646 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0647\u064a \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u062a\u0645\u0648\u064a\u0644 \u0645\u062d\u0633\u0648\u0628 \u0628\u0633\u0639\u0631 \u0627\u0644\u0634\u0631\u0627\u0621 \u0644\u0644\u0645\u0634\u062a\u0631\u064a \u0648\u0627\u0644\u0645\u0634\u062a\u0631\u064a \u064a\u062f\u0641\u0639\u0647 \u0628\u0633\u0639\u0631 \u0623\u0643\u062b\u0631 \u0645\u0646 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u060c \u0648\u064a\u0639\u0631\u0651\u0641 \u0628\u0646\u0643 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0639\u0644\u0649 \u0623\u0646\u0647 \u062a\u0645\u0648\u064a\u0644 \u0645\u0628\u0646\u064a \u0639\u0644\u0649 \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0628\u064a\u0639 \u0648\u0634\u0631\u0627\u0621 \u0628\u064a\u0646 \u0627\u0644\u0628\u0646\u0643 \u0648\u0627\u0644\u0639\u0645\u064a\u0644\u060c \u0628\u0634\u0631\u0637 \u0623\u0646 \u064a\u0634\u062a\u0631\u064a \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0633\u0644\u0639 \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629 \u0648\u064a\u0628\u064a\u0639\u0647\u0627 \u0644\u0644\u0639\u0645\u064a\u0644 \u0639\u0644\u0649 \u062d\u0633\u0627\u0628 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0631\u0628\u062d \u0647\u0627\u0645\u0634 \u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647 (Sinaga, 2016, 221).<\/p>\n
                    \u0641\u064a \u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627 \u064a\u0639\u062a\u0645\u062f \u062a\u0637\u0628\u064a\u0642 \u0628\u064a\u0639 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0648\u0628\u064a\u0639\u0647\u0627 \u0641\u064a \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0639\u0644\u0649 \u0645\u0631\u0633\u0648\u0645 \u0641\u062a\u0648\u0649 DSN-MUI \u0648\u0646\u0638\u0627\u0645 \u0628\u0646\u0643 \u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627 (PBI) \u0648\u0648\u0641\u0642\u064b\u0627 \u0644\u0642\u0631\u0627\u0631 \u0641\u062a\u0648\u0649 DSN \u0631\u0642\u0645: 04 \/ DSN-MUI \/ IV \/ 2000 \u0641\u0625\u0646 \u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0641\u064a \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0643\u0645\u0627 \u064a\u0644\u064a:<\/p>\n
                    1) \u062a\u0642\u0648\u0645 \u0627\u0644\u0628\u0646\u0648\u0643 \u0648\u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0628\u0625\u0628\u0631\u0627\u0645 \u0639\u0642\u062f \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0628\u062d\u064a\u062b \u064a\u0643\u0648\u0646 \u062e\u0627\u0644\u064d \u0645\u0646 \u0627\u0644\u0631\u0628\u0627.<\/p>\n
                    2) \u0627\u0644\u0633\u0644\u0639 \u0627\u0644\u062a\u064a \u064a\u062a\u0645 \u062a\u062f\u0627\u0648\u0644\u0647\u0627 \u0644\u0627 \u062a\u062d\u0631\u0645\u0647\u0627 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629.<\/p>\n
                    3) \u064a\u0642\u0648\u0645 \u0627\u0644\u0628\u0646\u0643 \u0628\u062a\u0645\u0648\u064a\u0644 \u062c\u0632\u0621 \u0623\u0648 \u0643\u0644 \u0633\u0639\u0631 \u0634\u0631\u0627\u0621 \u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u0627\u0644\u062a\u064a \u062a\u0645 \u0627\u0644\u0627\u062a\u0641\u0627\u0642 \u0639\u0644\u0649 \u062c\u0648\u062f\u062a\u0647\u0627.<\/p>\n
                    4) \u064a\u0642\u0648\u0645 \u0627\u0644\u0628\u0646\u0643 \u0628\u0634\u0631\u0627\u0621 \u0627\u0644\u0633\u0644\u0639 \u0627\u0644\u062a\u064a \u064a\u062d\u062a\u0627\u062c\u0647\u0627 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0646\u064a\u0627\u0628\u0629 \u0639\u0646\u0647\u0645\u060c \u0648\u064a\u062c\u0628 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0647\u0630\u0647 \u0627\u0644\u0645\u0634\u062a\u0631\u064a\u0627\u062a \u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0648\u062e\u0627\u0644\u064a\u0629 \u0645\u0646 \u0627\u0644\u0631\u0628\u0627.<\/p>\n
                    5) \u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0628\u0646\u0643 \u062a\u0642\u062f\u064a\u0645 \u0648\u062a\u0648\u0636\u064a\u062d \u062c\u0645\u064a\u0639 \u0627\u0644\u0623\u0645\u0648\u0631 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0627\u0644\u0634\u0631\u0627\u0621\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0625\u0630\u0627 \u062a\u0645 \u0627\u0644\u0634\u0631\u0627\u0621 \u0628\u0627\u0644\u062f\u064a\u0646.<\/p>\n
                    6) \u064a\u0642\u0648\u0645 \u0627\u0644\u0628\u0646\u0643 \u0628\u0639\u062f \u0630\u0644\u0643 \u0628\u0628\u064a\u0639 \u0627\u0644\u0633\u0644\u0639\u0629 \u0644\u0644\u0639\u0645\u064a\u0644 (\u0627\u0644\u0645\u0634\u062a\u0631\u064a) \u0628\u0633\u0639\u0631 \u0628\u064a\u0639 \u064a\u0633\u0627\u0648\u064a \u0633\u0639\u0631 \u0627\u0644\u0634\u0631\u0627\u0621 \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0627\u0644\u0623\u0631\u0628\u0627\u062d\u060c \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0635\u062f\u062f \u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0628\u0646\u0643 \u0623\u0646 \u064a\u062e\u0637\u0631 \u0627\u0644\u0639\u0645\u064a\u0644 \u0628\u0635\u062f\u0642 \u0628\u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0633\u0644\u0639 \u0627\u0644\u0643\u0644\u064a\u0629 \u0645\u0639 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u0623\u062e\u0631\u0649.<\/p>\n
                    7) \u064a\u062f\u0641\u0639 \u0627\u0644\u0639\u0645\u064a\u0644 \u0627\u0644\u062b\u0645\u0646 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647 \u0644\u0644\u0628\u0636\u0627\u0626\u0639 \u062e\u0644\u0627\u0644 \u0627\u0644\u0641\u062a\u0631\u0629 \u0627\u0644\u0632\u0645\u0646\u064a\u0629 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627.<\/p>\n
                    8) \u0644\u0645\u0646\u0639 \u0625\u0633\u0627\u0621\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0639\u0642\u062f\u060c \u064a\u062c\u0648\u0632 \u0644\u0644\u0628\u0646\u0643 \u0627\u0644\u062f\u062e\u0648\u0644 \u0641\u064a \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u062e\u0627\u0635\u0629 \u0645\u0639 \u0627\u0644\u0639\u0645\u064a\u0644.<\/p>\n
                    9) \u0625\u0630\u0627 \u0623\u0631\u0627\u062f \u0627\u0644\u0628\u0646\u0643 \u062a\u0645\u062b\u064a\u0644 \u0627\u0644\u0639\u0645\u064a\u0644 \u0641\u064a \u0634\u0631\u0627\u0621 \u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u0645\u0646 \u0637\u0631\u0641 \u062b\u0627\u0644\u062b\u060c \u0641\u064a\u062c\u0628 \u0625\u0628\u0631\u0627\u0645 \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0628\u064a\u0639 \u0648\u0634\u0631\u0627\u0621 \u0645\u0631\u0627\u0628\u062d\u0629 \u0628\u0639\u062f \u0623\u0646 \u062a\u0635\u0628\u062d \u0627\u0644\u0628\u0636\u0627\u0626\u0639\u060c \u0645\u0646 \u062d\u064a\u062b \u0627\u0644\u0645\u0628\u062f\u0623 \u0645\u0644\u0643\u064b\u0627 \u0644\u0644\u0628\u0646\u0643(MUI ,2006).<\/p>\n
                    \u0628\u0634\u0623\u0646 \u0627\u0644\u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u062a\u0646\u0635 \u0623\u064a\u0636\u0627 \u0627\u0644\u0641\u062a\u0648\u0649 \u0628\u0634\u0623\u0646\u0647\u0645 – \u0648\u0647\u0645 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0630\u064a\u0646 \u064a\u0633\u062a\u062e\u062f\u0645\u0648\u0646 \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629- \u0639\u0644\u0649 \u0645\u0627 \u064a\u0644\u064a:<\/p>\n
                    1) \u064a\u0642\u062f\u0645 \u0627\u0644\u0639\u0645\u064a\u0644 \u0637\u0644\u0628\u064b\u0627 \u0625\u0644\u0649 \u0627\u0644\u0628\u0646\u0643 \u0648\u064a\u0639\u062a\u0628\u0631 \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0644\u0634\u0631\u0627\u0621 \u0633\u0644\u0639 \u0623\u0648 \u0623\u0635\u0648\u0644.<\/p>\n
                    2) \u0641\u064a \u062d\u0627\u0644\u0629 \u0642\u0628\u0648\u0644 \u0627\u0644\u0628\u0646\u0643 \u0644\u0644\u0637\u0644\u0628\u060c \u064a\u062c\u0628 \u0639\u0644\u064a\u0647 \u0623\u0648\u0644\u0627\u064b \u0634\u0631\u0627\u0621 \u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u062a\u064a \u0637\u0644\u0628\u0647\u0627 \u0628\u0634\u0643\u0644 \u0642\u0627\u0646\u0648\u0646\u064a \u0645\u0639 \u0627\u0644\u062a\u0627\u062c\u0631.<\/p>\n
                    3) \u064a\u0642\u0648\u0645 \u0627\u0644\u0628\u0646\u0643 \u0628\u0639\u062f \u0630\u0644\u0643 \u0628\u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u0623\u0635\u0644 \u0625\u0644\u0649 \u0627\u0644\u0639\u0645\u064a\u0644 \u0648\u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0639\u0645\u064a\u0644 \u0642\u0628\u0648\u0644\u0647 (\u0634\u0631\u0627\u0626\u0647) \u0648\u0641\u0642\u064b\u0627 \u0644\u0644\u0627\u062a\u0641\u0627\u0642 \u0627\u0644\u0630\u064a \u062a\u0645 \u0627\u0644\u0627\u062a\u0641\u0627\u0642 \u0639\u0644\u064a\u0647\u061b \u0644\u0623\u0646 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0645\u0644\u0632\u0645\u0629 \u0642\u0627\u0646\u0648\u0646\u064b\u0627\u060c \u062b\u0645 \u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0637\u0631\u0641\u064a\u0646 \u0625\u0628\u0631\u0627\u0645 \u0639\u0642\u062f \u0628\u064a\u0639 \u0648\u0634\u0631\u0627\u0621.<\/p>\n
                    4) \u064a\u0633\u0645\u062d \u0644\u0644\u0628\u0646\u0648\u0643 \u0641\u064a \u0627\u0644\u0628\u064a\u0639 \u0648\u0627\u0644\u0634\u0631\u0627\u0621 \u0623\u0646 \u062a\u0637\u0644\u0628 \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u062f\u0641\u0639 \u0639\u0631\u0628\u0648\u0646 \u0639\u0646\u062f \u0627\u0644\u062a\u0648\u0642\u064a\u0639 \u0639\u0644\u0649 \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0637\u0644\u0628 \u0645\u0628\u062f\u0626\u064a.<\/p>\n
                    5) \u0625\u0630\u0627 \u0631\u0641\u0636 \u0627\u0644\u0639\u0645\u064a\u0644 \u0634\u0631\u0627\u0621 \u0627\u0644\u0633\u0644\u0639\u0629 \u0641\u064a\u062c\u0628 \u062f\u0641\u0639 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0629 \u0644\u0644\u0628\u0646\u0643 \u0645\u0646 \u0627\u0644\u062f\u0641\u0639\u0629 \u0627\u0644\u0623\u0648\u0644\u0649.<\/p>\n
                    6) \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0642\u064a\u0645\u0629 \u0627\u0644\u062f\u0641\u0639\u0629 \u0627\u0644\u0623\u0648\u0644\u0649 \u0623\u0642\u0644 \u0645\u0646 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u062a\u064a \u064a\u062c\u0628 \u0623\u0646 \u064a\u062a\u062d\u0645\u0644\u0647\u0627 \u0627\u0644\u0628\u0646\u0643\u060c \u0641\u064a\u0645\u0643\u0646 \u0644\u0644\u0628\u0646\u0643 \u0623\u0646 \u064a\u0637\u0644\u0628 \u0628\u0642\u064a\u0629 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0645\u0646 \u0627\u0644\u0639\u0645\u064a\u0644.<\/p>\n
                    7) \u0639\u0646\u062f \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0633\u0644\u0641\u0629 \u0623\u0648 \u0639\u0642\u062f \u0639\u0631\u0628\u0648\u0646 \u0643\u0628\u062f\u064a\u0644 \u0639\u0646 \u0627\u0644\u062f\u0641\u0639\u0629 \u0627\u0644\u0623\u0648\u0644\u0649 \u0648\u0642\u0631\u0631 \u0627\u0644\u0639\u0645\u064a\u0644 \u0634\u0631\u0627\u0621 \u0627\u0644\u0633\u0644\u0639\u0629\u060c \u0639\u0644\u064a\u0647 \u0641\u0642\u0637 \u062f\u0641\u0639 \u0627\u0644\u062b\u0645\u0646 \u0627\u0644\u0645\u062a\u0628\u0642\u064a\u060c \u0648\u0644\u0643\u0646 \u0625\u0630\u0627 \u0642\u0627\u0645 \u0627\u0644\u0639\u0645\u064a\u0644 \u0628\u0625\u0644\u063a\u0627\u0621 \u0627\u0644\u0634\u0631\u0627\u0621\u060c \u0641\u0625\u0646 \u0627\u0644\u062f\u0641\u0639\u0629 \u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u062a\u0639\u0648\u062f \u0644\u0644\u0628\u0646\u0643 \u0639\u0646 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649 \u0644\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u062a\u064a \u062a\u0643\u0628\u062f\u0647\u0627 \u0627\u0644\u0628\u0646\u0643 \u0628\u0633\u0628\u0628 \u0627\u0644\u0625\u0644\u063a\u0627\u0621\u060c \u0648\u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0627\u0644\u062f\u0641\u0639\u0629 \u0627\u0644\u0623\u0648\u0644\u0649 \u063a\u064a\u0631 \u0643\u0627\u0641\u064a\u0629 \u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0639\u0645\u064a\u0644 \u062f\u0641\u0639 \u0627\u0644\u0646\u0642\u0635. \u0645\u0646 \u062d\u064a\u062b \u0627\u0644\u0636\u0645\u0627\u0646\u0627\u062a \u0627\u0644\u0648\u0627\u0631\u062f\u0629 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0641\u062a\u0648\u0649 \u064a\u062c\u0648\u0632 \u0627\u0644\u0627\u062a\u0641\u0627\u0642 \u0628\u0634\u0623\u0646\u0647\u0627 \u0628\u064a\u0646 \u0627\u0644\u0637\u0631\u0641\u064a\u0646 \u062d\u062a\u0649 \u064a\u0643\u0648\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u062c\u0627\u062f\u064a\u0646 \u0628\u0634\u0623\u0646 \u0637\u0644\u0628\u0627\u062a\u0647\u0645\u060c \u0648\u064a\u0645\u0643\u0646 \u0644\u0644\u0628\u0646\u0648\u0643 \u0623\u0646 \u062a\u0637\u0644\u0628 \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u062a\u0642\u062f\u064a\u0645 \u0636\u0645\u0627\u0646\u0627\u062a \u064a\u0645\u0643\u0646 \u0627\u0644\u0627\u062d\u062a\u0641\u0627\u0638 \u0628\u0647\u0627 (http:\/\/www.syariahmandiri.co.id). \u0623\u0645\u0627 \u0641\u064a\u0645\u0627 \u064a\u062e\u0635 \u0627\u0644\u062f\u064a\u0648\u0646 \u0641\u064a \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0641\u0642\u062f \u062a\u0645 \u062a\u0646\u0638\u064a\u0645\u0647\u0627 \u0639\u0644\u0649 \u0627\u0644\u0646\u062d\u0648 \u0627\u0644\u062a\u0627\u0644\u064a:<\/p>\n
                    \u0623) \u0645\u0646 \u062d\u064a\u062b \u0627\u0644\u0645\u0628\u062f\u0623 \u0641\u0625\u0646 \u062a\u0633\u0648\u064a\u0629 \u062f\u064a\u0646 \u0627\u0644\u0639\u0645\u064a\u0644 \u0641\u064a \u0635\u0641\u0642\u0629 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0644\u0627 \u0639\u0644\u0627\u0642\u0629 \u0644\u0647\u0627 \u0628\u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0623\u062e\u0631\u0649 \u0627\u0644\u062a\u064a \u0642\u0627\u0645 \u0628\u0647\u0627 \u0627\u0644\u0639\u0645\u064a\u0644 \u0645\u0639 \u0637\u0631\u0641 \u062b\u0627\u0644\u062b \u0639\u0644\u0649 \u0647\u0630\u0627 \u0627\u0644\u0628\u0646\u062f\u060c \u0641\u0625\u0630\u0627 \u0623\u0639\u0627\u062f \u0627\u0644\u0639\u0645\u064a\u0644 \u0628\u064a\u0639 \u0627\u0644\u0633\u0644\u0639\u0629 \u0628\u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0623\u0648 \u0627\u0644\u062e\u0633\u0627\u0626\u0631\u060c \u0641\u0625\u0646\u0647 \u0644\u0627 \u064a\u0632\u0627\u0644 \u0645\u0644\u0632\u0645\u0627\u064b \u0628\u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u062f\u064a\u0646 \u0644\u0644\u0628\u0646\u0643.<\/p>\n
                    \u0628) \u0625\u0630\u0627 \u0642\u0627\u0645 \u0627\u0644\u0639\u0645\u064a\u0644 \u0628\u0628\u064a\u0639 \u0627\u0644\u0633\u0644\u0639\u0629 \u0642\u0628\u0644 \u0627\u0646\u062a\u0647\u0627\u0621 \u0641\u062a\u0631\u0629 \u0627\u0644\u062a\u0642\u0633\u064a\u0637\u060c \u0641\u0644\u0627 \u064a\u0644\u0632\u0645\u0647 \u0633\u062f\u0627\u062f \u062c\u0645\u064a\u0639 \u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u0639\u0644\u0649 \u0627\u0644\u0641\u0648\u0631.<\/p>\n
                    \u062c) \u0625\u0630\u0627 \u062a\u0633\u0628\u0628 \u0628\u064a\u0639 \u0627\u0644\u0633\u0644\u0639\u0629 \u0641\u064a \u062e\u0633\u0627\u0631\u0629\u060c \u0641\u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0639\u0645\u064a\u0644 \u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u062f\u064a\u0646 \u0648\u0641\u0642\u064b\u0627 \u0644\u0644\u0627\u062a\u0641\u0627\u0642 \u0627\u0644\u0623\u0648\u0644\u060c \u064a\u062c\u0628 \u0639\u0644\u064a\u0647 \u0639\u062f\u0645 \u0625\u0628\u0637\u0627\u0621 \u062f\u0641\u0639 \u0627\u0644\u0642\u0633\u0637 \u0623\u0648 \u0637\u0644\u0628 \u062d\u0633\u0627\u0628 \u0627\u0644\u062e\u0633\u0627\u0631\u0629.<\/p>\n
                    \u0645\u0646 \u062d\u064a\u062b \u0627\u0644\u062a\u0645\u0648\u064a\u0644\u060c \u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u064a\u0648\u062c\u062f \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u062a\u0623\u062c\u064a\u0644 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u0639\u0645\u0644\u0627\u0621\u060c \u0627\u0644\u0623\u0634\u064a\u0627\u0621 \u0627\u0644\u062a\u064a \u064a\u062c\u0628 \u0645\u0631\u0627\u0639\u0627\u062a\u0647\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0647\u0646\u0627\u0643 \u062a\u0623\u062e\u064a\u0631 \u0641\u064a \u0627\u0644\u062f\u0641\u0639 \u0641\u064a \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0647\u064a:<\/p>\n
                    1) \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0630\u064a\u0646 \u0644\u062f\u064a\u0647\u0645 \u0627\u0644\u0642\u062f\u0631\u0629 \u0644\u064a\u0633 \u0644\u062f\u064a\u0647\u0645 \u0645\u0627 \u064a\u0628\u0631\u0631 \u0641\u064a \u062a\u0623\u062e\u064a\u0631 \u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u062f\u064a\u0648\u0646.<\/p>\n
                    2) \u0625\u0630\u0627 \u0642\u0627\u0645 \u0627\u0644\u0639\u0645\u064a\u0644 \u0628\u062a\u0623\u062e\u064a\u0631 \u0627\u0644\u062f\u0641\u0639 \u0639\u0645\u062f\u0627\u064b\u060c \u0623\u0648 \u0625\u0630\u0627 \u0644\u0645 \u064a\u0642\u0645 \u0623\u062d\u062f \u0627\u0644\u0623\u0637\u0631\u0627\u0641 \u0628\u0627\u0644\u0648\u0641\u0627\u0621 \u0628\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a\u0647\u060c \u064a\u062a\u0645 \u062a\u0646\u0641\u064a\u0630 \u0627\u0644\u062a\u0633\u0648\u064a\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0647\u064a\u0626\u0629 \u0627\u0644\u062a\u062d\u0643\u064a\u0645 \u0627\u0644\u0634\u0631\u0639\u064a \u0628\u0639\u062f \u0639\u062f\u0645 \u0627\u0644\u062a\u0648\u0635\u0644 \u0625\u0644\u0649 \u0627\u062a\u0641\u0627\u0642 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0645\u062f\u0627\u0648\u0644\u0627\u062a \u0645\u0639\u0647.<\/p>\n
                    \u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u0625\u0630\u0627 \u062a\u0645 \u0627\u0644\u0625\u0639\u0644\u0627\u0646 \u0639\u0646 \u0625\u0641\u0644\u0627\u0633 \u0627\u0644\u0639\u0645\u064a\u0644 \u0648\u0641\u0634\u0644\u0647 \u0641\u064a \u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u062f\u064a\u0646\u060c \u0641\u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0628\u0646\u0643 \u062a\u0623\u062c\u064a\u0644 \u0641\u0627\u062a\u0648\u0631\u0629 \u0627\u0644\u062f\u064a\u0648\u0646 \u062d\u062a\u0649 \u064a\u062a\u0645\u0643\u0646 \u0627\u0644\u0639\u0645\u064a\u0644 \u0645\u0646 \u0627\u0644\u0639\u0648\u062f\u0629\u060c \u0623\u0648 \u0628\u0627\u0644\u0627\u062a\u0641\u0627\u0642 (\u0641\u062a\u0648\u0649 \u0627\u0644\u0645\u062c\u0644\u0633 \u0627\u0644\u0634\u0631\u0639\u064a \u0627\u0644\u0648\u0637\u0646\u064a \u0627\u0644\u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a \u0631\u0642\u0645 13).<\/p>\n
                    <\/p>\n
                    \u0634\u0643\u0644 \u0631\u0642\u0645 1 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0639\u0642\u0648\u062f \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0628\u0645\u0635\u0631\u0641 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0634\u0631\u064a\u0639\u0629<\/strong><\/p>\n
                    \u0648\u0647\u0646\u0627\u0643 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u062c\u0628 \u0623\u0646 \u064a\u0641\u064a \u0628\u0647\u0627 \u0627\u0644\u0639\u0645\u064a\u0644 \u0644\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a \u0641\u064a \u0639\u0642\u0648\u062f \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 (\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645 \u0644\u062a\u0644\u0628\u064a\u0629 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u060c \u0648\u0627\u0644\u0630\u064a \u0633\u064a\u062a\u0645 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647 \u0644\u062a\u0644\u0628\u064a\u0629 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a) (\u0623\u0646\u0637\u0648\u0646\u064a\u0648\u060c2001\u060c \u0635160)( www.syariahmandiri.co.id).<\/p>\n
                    \u0648\u0627\u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u062c\u0628 \u0627\u0644\u0648\u0641\u0627\u0621 \u0628\u0647\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0627\u0644\u0639\u0645\u064a\u0644 \u062d\u0633\u0628 \u062d\u0627\u0644\u062a\u0647 \u0627\u0644\u062a\u0627\u0644\u064a\u0629:<\/p>\n
                    \u0623. \u0627\u0644\u0645\u0648\u0638\u0641\u0648\u0646:<\/p>\n
                    1) \u0627\u0644\u0647\u0648\u064a\u0629 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0648\u0647\u0648\u064a\u0629 \u0627\u0644\u0632\u0648\u062c<\/p>\n
                    2) \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0623\u0633\u0631\u0629 \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0632\u0648\u0627\u062c<\/p>\n
                    3) \u0642\u0633\u064a\u0645\u0629 \u0627\u0644\u0631\u0627\u062a\u0628 \u0644\u0622\u062e\u0631 \u0634\u0647\u0631\u064a\u0646<\/p>\n
                    4) \u0645\u0631\u0633\u0648\u0645 \u0627\u0644\u062a\u0639\u064a\u064a\u0646 \u0627\u0644\u0646\u0647\u0627\u0626\u064a<\/p>\n
                    5) \u0646\u0633\u062e\u0629 \u0645\u0646 \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u0628\u0646\u0643\u064a \u0641\u064a \u0627\u0644\u0623\u0634\u0647\u0631 \u0627\u0644\u062b\u0644\u0627\u062b\u0629 \u0627\u0644\u0645\u0627\u0636\u064a\u0629<\/p>\n
                    6) \u0628\u064a\u0627\u0646\u0627\u062a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u063a\u0631\u0636.<\/p>\n
                    \u0628. \u0631\u062c\u0627\u0644 \u0627\u0644\u0623\u0639\u0645\u0627\u0644:<\/p>\n
                    1) \u0627\u0644\u0647\u0648\u064a\u0629 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0648\u0647\u0648\u064a\u0629 \u0627\u0644\u0632\u0648\u062c<\/p>\n
                    2) \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0623\u0633\u0631\u0629 \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0632\u0648\u0627\u062c<\/p>\n
                    3) \u0634\u0647\u0627\u062f\u0629 \u0634\u0631\u0639\u064a\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644<\/p>\n
                    4) \u0627\u0644\u062a\u0642\u0631\u064a\u0631 \u0627\u0644\u0645\u0627\u0644\u064a \u0644\u0639\u0627\u0645\u064a\u0646<\/p>\n
                    5) \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0636\u064a 2 \u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0645\u0627\u0636\u064a\u0629<\/p>\n
                    6) \u062e\u0637\u0629 \u0627\u0644\u0639\u0645\u0644 12 \u0634\u0647\u0631\u0627 \u0642\u0627\u062f\u0645\u0629<\/p>\n
                    7) \u062a\u0645\u0648\u064a\u0644 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u063a\u0631\u0636<\/p>\n
                    \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u060c \u0647\u0646\u0627\u0643 \u0623\u064a\u0636\u0627 \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0646\u062a\u062c.<\/p>\n
                    \u0648\u062a\u0648\u062c\u062f \u0628\u0639\u0636 \u0627\u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u062c\u0628 \u0623\u0646 \u064a\u0641\u064a \u0628\u0647\u0627 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0644\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0646\u062a\u0627\u062c\u064a (\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645 \u0644\u062a\u0644\u0628\u064a\u0629 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0627\u0644\u0625\u0646\u062a\u0627\u062c \u0628\u0627\u0644\u0645\u0639\u0646\u0649 \u0627\u0644\u0623\u0648\u0633\u0639\u060c \u0623\u064a \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629\u060c \u0648\u0625\u0646\u062a\u0627\u062c \u0627\u0644\u0623\u0639\u0645\u0627\u0644\u060c \u0648\u0627\u0644\u062a\u062c\u0627\u0631\u0629\u060c \u0648\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631) \u0648\u0648\u0636\u0639 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0648\u0647\u064a \u0643\u0645\u0627 \u064a\u0644\u064a:<\/p>\n
                    \u0623. \u0627\u0644\u0643\u064a\u0627\u0646 \u0627\u0644\u062a\u062c\u0627\u0631\u064a (\u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0648\u0646\u062d\u0648\u0647\u0627) \u0647\u0648:<\/p>\n
                    1) \u0635\u0643 \u062a\u0623\u0633\u064a\u0633 \u0627\u0644\u0623\u0639\u0645\u0627\u0644<\/p>\n
                    2) \u0647\u0648\u064a\u0629 \u0627\u0644\u0625\u062f\u0627\u0631\u0629<\/p>\n
                    3) \u0625\u062b\u0628\u0627\u062a \u0634\u0631\u0639\u064a\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644<\/p>\n
                    4) \u0627\u0644\u062a\u0642\u0631\u064a\u0631 \u0627\u0644\u0645\u0627\u0644\u064a \u0644\u0639\u0627\u0645\u064a\u0646<\/p>\n
                    5) \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0636\u064a 2 \u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0645\u0627\u0636\u064a\u0629<\/p>\n
                    6) \u062e\u0637\u0629 \u0627\u0644\u0639\u0645\u0644 12 \u0634\u0647\u0631\u0627 \u0642\u0627\u062f\u0645\u0629<\/p>\n
                    7) \u0628\u064a\u0627\u0646\u0627\u062a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u063a\u0631\u0636<\/p>\n
                    \u0628- \u0627\u0644\u0623\u0641\u0631\u0627\u062f \u0647\u0645:<\/p>\n
                    1) \u0627\u0644\u0647\u0648\u064a\u0629 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0648\u0647\u0648\u064a\u0629 \u0627\u0644\u0632\u0648\u062c<\/p>\n
                    2) \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0623\u0633\u0631\u0629 \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0632\u0648\u0627\u062c<\/p>\n
                    3) \u0625\u062b\u0628\u0627\u062a \u0634\u0631\u0639\u064a\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644<\/p>\n
                    4) \u0627\u0644\u062a\u0642\u0631\u064a\u0631 \u0627\u0644\u0645\u0627\u0644\u064a \u0644\u0639\u0627\u0645\u064a\u0646<\/p>\n
                    5) \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0636\u064a 2 \u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0645\u0627\u0636\u064a\u0629<\/p>\n
                    6) \u062e\u0637\u0629 \u0627\u0644\u0639\u0645\u0644 12 \u0634\u0647\u0631\u0627 \u0642\u0627\u062f\u0645\u0629<\/p>\n
                    7) \u0628\u064a\u0627\u0646\u0627\u062a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u063a\u0631\u0636(www.syariahmandiri.co.id).<\/p>\n
                    \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0636\u0645\u0627\u0646\u0627\u062a \u0623\u064a\u0636\u0627 \u064a\u0637\u0644\u0628 \u0628\u0646\u0643 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u062c\u062f\u0648\u0649 \u062a\u062c\u0627\u0631\u064a\u0629 \u0623\u0648 \u0636\u0645\u0627\u0646\u0627\u062a \u0625\u0636\u0627\u0641\u064a\u0629 \u0623\u0648 \u0630\u0645\u0645 \u0645\u062f\u064a\u0646\u0629\u060c \u0644\u0630\u0627 \u0644\u0627 \u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0627\u0644\u0636\u0645\u0627\u0646 \u0641\u064a \u0634\u0643\u0644 \u0633\u0644\u0639 \u064a\u0634\u062a\u0631\u064a\u0647\u0627 \u0627\u0644\u0628\u0646\u0643 \u0644\u0644\u0639\u0645\u064a\u0644. \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0645\u0633\u0627\u0626\u0644 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629\u060c \u0625\u0630\u0627 \u062a\u0645 \u0636\u0645\u0627\u0646\u0647 \u0645\u0646 \u0642\u0628\u0644 \u062d\u0642 \u0627\u0644\u0627\u0643\u062a\u062a\u0627\u0628\u060c \u0641\u0625\u0646 \u0628\u0646\u0643 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0633\u0648\u0641 \u064a\u0633\u0639\u0649 \u062c\u0627\u0647\u062f\u0627\u064b \u0644\u064a\u0635\u0628\u062d \u0627\u0644\u062f\u0627\u0626\u0646 \u0627\u0644\u0645\u0641\u0636\u0644\u060c \u0625\u0630\u0627 \u062a\u0645\u062a \u062a\u0633\u0648\u064a\u0629 \u0628\u0646\u062f \u0627\u0644\u0636\u0645\u0627\u0646 \u0644\u0637\u0631\u0641 \u0622\u062e\u0631\u060c \u0641\u0644\u0627 \u064a\u0645\u0643\u0646 \u0644\u0628\u0646\u0643 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0642\u0628\u0648\u0644 \u0627\u0644\u0628\u0646\u062f \u0643\u0636\u0645\u0627\u0646\u060c \u0641\u064a \u0623\u062d\u0643\u0627\u0645 \u0628\u0646\u0643 \u0634\u0631\u064a\u0639\u0629 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0627\u0644\u0623\u0634\u064a\u0627\u0621 \u0627\u0644\u062a\u064a \u064a\u062c\u0628 \u062a\u062d\u0642\u064a\u0642\u0647\u0627 \u0628\u0634\u0643\u0644 \u0639\u0627\u0645 \u0645\u0646 \u062d\u064a\u062b \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0647\u064a:<\/p>\n
                    1) \u064a\u0642\u062f\u0645 \u0627\u0644\u0628\u0646\u0643 \u0623\u0645\u0648\u0627\u0644 \u062a\u0645\u0648\u064a\u0644 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0628\u064a\u0639 \u0648\u0634\u0631\u0627\u0621 \u0627\u0644\u0633\u0644\u0639.<\/p>\n
                    2) \u064a\u062a\u0645 \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0641\u062a\u0631\u0629 \u0627\u0644\u0632\u0645\u0646\u064a\u0629 \u0644\u062f\u0641\u0639 \u0633\u0639\u0631 \u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u0639\u0645\u064a\u0644 \u0625\u0644\u0649 \u0627\u0644\u0628\u0646\u0643 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0627\u062a\u0641\u0627\u0642 \u0627\u0644\u0628\u0646\u0643 \u0648\u0627\u0644\u0639\u0645\u064a\u0644.<\/p>\n
                    3) \u064a\u0645\u0643\u0646 \u0644\u0644\u0645\u0635\u0627\u0631\u0641 \u062a\u0645\u0648\u064a\u0644 \u062c\u0632\u0621 \u0623\u0648 \u0643\u0644 \u062b\u0645\u0646 \u0634\u0631\u0627\u0621 \u0627\u0644\u0633\u0644\u0639 \u0627\u0644\u062a\u064a \u062a\u0645 \u0627\u0644\u0627\u062a\u0641\u0627\u0642 \u0639\u0644\u0649 \u062c\u0648\u062f\u062a\u0647\u0627.<\/p>\n
                    4) \u0641\u064a \u062d\u0627\u0644\u0629 \u0642\u064a\u0627\u0645 \u0627\u0644\u0628\u0646\u0643 \u0628\u0627\u0644\u0646\u064a\u0627\u0628\u0629 \u0639\u0646 \u0627\u0644\u0639\u0645\u064a\u0644 \u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0633\u0644\u0639\u060c \u0641\u064a\u062c\u0628 \u0625\u0628\u0631\u0627\u0645 \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0628\u0639\u062f \u0623\u0646 \u062a\u0635\u0628\u062d \u0627\u0644\u0628\u0636\u0627\u0639\u0629 \u0645\u0645\u0644\u0648\u0643\u0629 \u0644\u0644\u0628\u0646\u0643 \u0645\u0646 \u062d\u064a\u062b \u0627\u0644\u0645\u0628\u062f\u0623.<\/p>\n
                    5) \u064a\u0645\u0643\u0646 \u0644\u0644\u0628\u0646\u0643 \u0623\u0646 \u064a\u0637\u0644\u0628 \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u062f\u0641\u0639 \u0648\u062f\u064a\u0639\u0629 \u0623\u0648 \u0639\u0631\u0628\u0648\u0646 \u0639\u0646\u062f \u0627\u0644\u062a\u0648\u0642\u064a\u0639 \u0639\u0644\u0649 \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0645\u0628\u062f\u0626\u064a\u0629 \u0644\u0637\u0644\u0628 \u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u0639\u0645\u064a\u0644.<\/p>\n
                    6) \u064a\u0645\u0643\u0646 \u0644\u0644\u0645\u0635\u0627\u0631\u0641 \u0623\u0646 \u062a\u0637\u0644\u0628 \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u062a\u0642\u062f\u064a\u0645 \u0636\u0645\u0627\u0646\u0627\u062a \u0625\u0636\u0627\u0641\u064a\u0629 \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0627\u0644\u0633\u0644\u0639 \u0627\u0644\u062a\u064a \u064a\u0645\u0648\u0644\u0647\u0627 \u0627\u0644\u0628\u0646\u0643.<\/p>\n
                    7) \u064a\u062c\u0628 \u062a\u062d\u062f\u064a\u062f \u0627\u062a\u0641\u0627\u0642\u064a\u0627\u062a \u0627\u0644\u0647\u0627\u0645\u0634 \u0644\u0644\u0631\u0628\u062d \u0645\u0631\u0629 \u0648\u0627\u062d\u062f\u0629 \u0641\u064a \u0628\u062f\u0627\u064a\u0629 \u0627\u0644\u0639\u0642\u062f \u0648\u0639\u062f\u0645 \u062a\u063a\u064a\u064a\u0631\u0647\u0627 \u062e\u0644\u0627\u0644 \u0641\u062a\u0631\u0629 \u0627\u0644\u0639\u0642\u062f.<\/p>\n
                    8) \u064a\u062c\u0628 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u062e\u0644\u0627\u0644 \u0641\u062a\u0631\u0629 \u0627\u0644\u0639\u0642\u062f \u0645\u062a\u0646\u0627\u0633\u0628\u0629 (www.syariahmandiri.co.id).<\/p>\n
                    \u0645\u0646 \u062c\u0647\u0629 \u0623\u062e\u0631\u0649 \u064a\u0633\u062f\u062f \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0642\u0631\u0648\u0636\u0647\u0645 \u0639\u0644\u0649 \u0623\u0642\u0633\u0627\u0637 \u0648\u0641\u0642\u064b\u0627 \u0644\u0623\u062d\u0643\u0627\u0645 \u0641\u062a\u0648\u0649 \u0627\u0644\u0647\u064a\u0626\u0629 \u0627\u0644\u0634\u0631\u0639\u064a\u0629 \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0631\u0642\u0645 04 \/ DSNMUI \/ IV \/ 2000 \u0648\u0627\u0644\u0631\u0633\u0627\u0644\u0629 \u0627\u0644\u0645\u0639\u0645\u0645\u0629 \u0631\u0642\u0645 10\/31 \/ DPbS \u0645\u0646 \u0628\u0646\u0643 \u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627 \u062d\u0648\u0644 \u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u0634\u0631\u064a\u0639\u0629\u060c \u0648\u0648\u062d\u062f\u0627\u062a \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0634\u0631\u0639\u064a\u0629\u060c \u0648\u0647\u0630\u0627 \u0628\u0627\u0644\u0637\u0628\u0639 \u064a\u0648\u0641\u0631 \u0627\u0644\u0631\u0627\u062d\u0629 \u0644\u0644\u0639\u0645\u0644\u0627\u0621\u060c \u0644\u0630\u0644\u0643 \u0645\u0646 \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u0623\u0646 \u064a\u062a\u0645\u0643\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0645\u0646 \u062e\u0644\u0627\u0644 \u0631\u0641\u0627\u0647\u064a\u0629 \u0627\u0644\u0628\u0646\u0648\u0643.<\/p>\n
                    \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0647\u0627\u0645\u0634 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u0637\u0628\u0642\u0629 \u0641\u064a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629:<\/p>\n
                    \u064a\u062a\u0648\u0644\u0649 \u0628\u0646\u0643 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0639\u0644\u0649 \u0634\u0643\u0644 \u062a\u0645\u0648\u064a\u0644 \u0645\u0631\u0627\u0628\u062d\u0629 \u0648\u064a\u062d\u062f\u062f \u0647\u0648\u0627\u0645\u0634 \u0631\u0628\u062d \u0641\u064a \u0643\u0644 \u062a\u0645\u0648\u064a\u0644 \u064a\u062a\u0645\u060c \u0639\u0646\u062f \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0647\u0627\u0645\u0634 \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u0621\u060c \u0647\u0646\u0627\u0643 \u0639\u0648\u0627\u0645\u0644 \u064a\u0646\u0638\u0631 \u0641\u064a\u0647\u0627 \u0628\u0646\u0643 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0648\u0647\u064a:<\/p>\n
                    \u0623. \u0642\u062f\u0631\u0629 \u0627\u0644\u0639\u0645\u064a\u0644<\/p>\n
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                      \n
                    1. \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0628\u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0645\u0646 \u0623\u0628\u0631\u0632 \u0627\u0644\u0639\u0642\u0648\u062f \u0627\u0644\u062a\u064a \u064a\u0646\u0641\u0630\u0647\u0627 \u0645\u0635\u0631\u0641 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0634\u0631\u064a\u0639\u0629 \u062d\u064a\u062b \u0645\u0627 \u064a\u0642\u0631\u0628 \u0645\u0646 60% \u0625\u0644\u0649 70% \u0645\u0646 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u062a\u0633\u062a\u062d\u0648\u0630 \u0639\u0644\u064a\u0647 \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629\u060c \u0648\u064a\u0639\u0631\u0641 \u0645\u0635\u0631\u0641 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0639\u0644\u0649 \u0623\u0646\u0647 \u062a\u0645\u0648\u064a\u0644 \u0645\u0628\u0646\u064a \u0639\u0644\u0649 \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0628\u064a\u0639 \u0648\u0634\u0631\u0627\u0621 \u0628\u064a\u0646 \u0627\u0644\u0628\u0646\u0643 \u0648\u0627\u0644\u0639\u0645\u064a\u0644\u060c \u0628\u0634\u0631\u0637 \u0623\u0646 \u064a\u0634\u062a\u0631\u064a \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0633\u0644\u0639 \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629 \u0648\u064a\u0628\u064a\u0639\u0647\u0627 \u0644\u0644\u0639\u0645\u064a\u0644 \u0639\u0644\u0649 \u062d\u0633\u0627\u0628 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0631\u0628\u062d \u0647\u0627\u0645\u0634 \u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647.<\/li>\n
                    2. \u062a\u0643\u0648\u0646 \u0622\u0644\u064a\u0629 \u0645\u0635\u0631\u0641 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0634\u0631\u064a\u0639\u0629 \u0641\u064a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0628\u0627\u0644\u0633\u064a\u0631 \u0648\u0641\u0642 \u062e\u0637\u0648\u0627\u062a \u064a\u062a\u0628\u0639 \u0641\u064a\u0647\u0627 \u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0641\u0642\u0647\u064a\u0629 \u0648\u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0627\u0644\u062a\u064a \u062d\u062f\u062f\u062a\u0647\u0627 \u0627\u0644\u0645\u0627\u062f\u0629 (19) \u0645\u0646 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0631\u0642\u0645 (21) \u0644\u0633\u0646\u0629 2008 \u0628\u0634\u0623\u0646 \u0627\u0644\u0635\u064a\u0631\u0641\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0630\u0643\u0631 \u0628\u0623\u0646 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0647\u064a \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u062a\u0645\u0648\u064a\u0644 \u0645\u062d\u0633\u0648\u0628 \u0628\u0633\u0639\u0631 \u0627\u0644\u0634\u0631\u0627\u0621 \u0644\u0644\u0645\u0634\u062a\u0631\u064a \u0648\u0627\u0644\u0645\u0634\u062a\u0631\u064a \u064a\u062f\u0641\u0639\u0647 \u0628\u0633\u0639\u0631 \u0623\u0643\u062b\u0631 \u0645\u0646 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u060c \u0648\u0643\u0630\u0644\u0643 \u064a\u0639\u062a\u0645\u062f \u062a\u0637\u0628\u064a\u0642 \u0628\u064a\u0639 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0648\u0628\u064a\u0639\u0647\u0627 \u0639\u0644\u0649 \u0645\u0631\u0633\u0648\u0645 \u0641\u062a\u0648\u0649 \u0645\u062c\u0644\u0633 \u0627\u0644\u0639\u0644\u0645\u0627\u0621 \u0627\u0644\u0627\u0646\u062f\u0648\u0646\u064a\u0633\u064a (MUI) \u0648\u0646\u0638\u0627\u0645 \u0628\u0646\u0643 \u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627 (PBI)\u060c \u0648\u0645\u0644\u062e\u0635\u0647\u0627 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0627\u0644\u0639\u0645\u0644\u064a\u0629 \u062e\u0627\u0644\u064a\u0629 \u0645\u0646 \u0627\u0644\u0631\u0628\u0627\u060c \u0648\u0623\u0646 \u0627\u0644\u0633\u0644\u0639 \u0627\u0644\u0645\u062a\u062f\u0627\u0648\u0644\u0629 \u063a\u064a\u0631 \u0645\u062d\u0631\u0645\u0629\u060c \u0648\u0627\u0644\u0628\u0646\u0643 \u0645\u0645\u0648\u0644 \u0644\u0647\u0630\u0647 \u0627\u0644\u0633\u0644\u0639 \u0648\u064a\u062a\u0648\u0644\u0649 \u062a\u0648\u0641\u064a\u0631\u0647\u0627 \u0645\u0639 \u062a\u0648\u0636\u064a\u062d \u0643\u0644 \u0627\u0644\u062a\u0641\u0627\u0635\u064a\u0644 \u0628\u0634\u0623\u0646 \u0647\u0630\u0647 \u0627\u0644\u0633\u0644\u0639\u060c \u0648\u0644\u0644\u0645\u0635\u0631\u0641 \u0627\u0644\u062d\u0642 \u0641\u064a \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0647\u0627\u0645\u0634 \u0631\u0628\u062d \u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u060c \u0643\u0645\u0627 \u062d\u062f\u062f\u062a \u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0648\u0627\u0644\u0641\u062a\u0627\u0648\u0649 \u0645\u0627 \u064a\u062e\u0635 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0630\u064a\u0646 \u064a\u0633\u062a\u062e\u062f\u0645\u0648\u0646 \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629.<\/li>\n
                    3. \u062d\u062f\u062f \u0645\u0635\u0631\u0641 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u062a\u0642\u062f\u064a\u0645 \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0641\u064a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u060c \u0648\u0647\u064a \u062a\u0646\u0642\u0633\u0645 \u0644\u0645\u0646 \u064a\u062a\u0639\u0627\u0645\u0644\u0648\u0646 \u0645\u0639\u0647 \u0645\u0646 \u0645\u0648\u0638\u0641\u064a\u0646 \u0623\u0641\u0631\u0627\u062f \u0648\u0631\u062c\u0627\u0644 \u0623\u0639\u0645\u0627\u0644\u060c \u0648\u0643\u0630\u0644\u0643 \u062d\u062f\u062f \u0627\u0644\u0628\u0646\u0643 \u0634\u0631\u0648\u0637\u0627\u064b \u0648\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0641\u064a\u0645\u0627 \u064a\u062e\u0635 \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0646\u062a\u062c \u0648\u0647\u0648 \u064a\u062a\u0641\u0631\u0639 \u0625\u0644\u0649 \u062a\u0645\u0648\u064a\u0644 \u0623\u0641\u0631\u0627\u062f \u0648\u062a\u0645\u0648\u064a\u0644 \u0647\u064a\u0626\u0627\u062a \u062a\u062c\u0627\u0631\u064a\u0629 \u0623\u0648 \u0634\u0631\u0643\u0627\u062a\u060c \u0643\u0645\u0627 \u062d\u062f\u062f \u0627\u0644\u0647\u0627\u0645\u0634 \u0645\u0646 \u0627\u0644\u0631\u0628\u062d\u060c \u0628\u0627\u0644\u0646\u0638\u0631 \u0644\u0639\u0648\u0627\u0645\u0644 \u064a\u0646\u0638\u0631 \u0641\u064a\u0647\u0627 \u0628\u0646\u0643 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0644\u0642\u062f\u0631\u0629 \u0627\u0644\u0639\u0645\u064a\u0644 \u0648\u0644\u0633\u064a\u0627\u0633\u0629 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629\u060c \u0648\u062d\u062f\u062f \u0627\u0644\u0628\u0646\u0643 \u0643\u0630\u0644\u0643 \u0627\u0644\u0636\u0645\u0627\u0646\u0627\u062a\u060c \u0648\u0645\u0627 \u064a\u062e\u0635 \u0627\u0644\u062f\u064a\u0648\u0646 \u0641\u064a \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0648\u0643\u064a\u0641\u064a\u0629 \u062a\u0633\u062f\u064a\u062f \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0642\u0631\u0648\u0636\u0647\u0645 \u0644\u0644\u0628\u0646\u0643.<\/li>\n<\/ol>\n
                      \u064a. \u0627\u0644\u062a\u0648\u0635\u064a\u0627\u062a <\/strong><\/p>\n
                      \u0641\u064a \u0627\u0644\u062e\u062a\u0627\u0645 \u062a\u0648\u0635\u064a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0628\u0645\u0627 \u064a\u0644\u064a:<\/p>\n
                        \n
                      1. \u0627\u0644\u0627\u0647\u062a\u0645\u0627\u0645 \u0628\u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0634\u0631\u0639\u064a\u0629 \u0648\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u0634\u0631\u0639\u064a \u062d\u064a\u0646 \u062a\u0646\u0641\u064a\u0630 \u0639\u0642\u0648\u062f \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0641\u064a \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629.<\/li>\n
                      2. \u062a\u0634\u062c\u064a\u0639 \u0627\u0644\u0623\u0641\u0631\u0627\u062f \u0641\u064a \u0627\u0644\u0627\u0646\u062e\u0631\u0627\u0637 \u0641\u064a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0644\u063a\u0631\u0636 \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0648\u062f\u0639\u0645\u0647\u0627 \u0641\u064a \u0645\u0633\u064a\u0631\u0629 \u0627\u0644\u0645\u0646\u0627\u0641\u0633\u0629 \u0645\u0639 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629.<\/li>\n
                      3. \u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u062a\u0648\u0633\u064a\u0639 \u0635\u064a\u063a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0641\u0644\u0627 \u064a\u0642\u062a\u0635\u0631 \u0639\u0644\u0649 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629\u060c \u0648\u0643\u0630\u0644\u0643 \u062a\u0648\u0633\u064a\u0639 \u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0646\u0641\u0633\u0647\u0627.<\/li>\n
                      4. \u0645\u0648\u0627\u062c\u0647\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0648\u0648\u0636\u0639 \u0623\u0644\u064a\u0627\u062a \u0634\u0631\u0639\u064a\u0629 \u0648\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u062a\u062d\u0645\u064a \u0639\u0642\u0648\u062f \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0648\u062a\u0637\u0648\u064a\u0631\u0647\u0627 \u0628\u0627\u0633\u062a\u0645\u0631\u0627\u0631.<\/li>\n<\/ol>\n
                        \u0627\u0644\u0645\u0631\u0627\u062c\u0639<\/strong><\/p>\n
                        \u0627\u0644\u0645\u0631\u0627\u062c\u0639 \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629<\/strong><\/p>\n
                        \u0623\u0628\u0648 \u062f\u0627\u0648\u062f \u0633\u0644\u064a\u0645\u0627\u0646 \u0627\u0644\u0633\u0651\u0650\u062c\u0650\u0633\u0652\u062a\u0627\u0646\u064a\u060c \u0633\u0646\u0646 \u0623\u0628\u064a \u062f\u0627\u0648\u062f\u060c \u062a\u062d\u0642\u064a\u0642 \u0645\u062d\u0645\u062f \u0645\u062d\u064a\u064a \u0627\u0644\u062f\u064a\u0646 \u0639\u0628\u062f \u0627\u0644\u062d\u0645\u064a\u062f .\u0628\u064a\u0631\u0648\u062a-\u0635\u064a\u062f\u0627: \u0627\u0644\u0645\u0643\u062a\u0628\u0629 \u0627\u0644\u0639\u0635\u0631\u064a\u0629\u060c \u062f-\u062a.<\/p>\n
                        \u0623\u0628\u0648 \u0639\u0628\u062f \u0627\u0644\u0644\u0647 \u0627\u0644\u062d\u0627\u0643\u0645 \u0627\u0644\u0646\u064a\u0633\u0627\u0628\u0648\u0631\u064a\u060c \u0627\u0644\u0645\u0633\u062a\u062f\u0631\u0643 \u0639\u0644\u0649 \u0627\u0644\u0635\u062d\u064a\u062d\u064a\u0646\u060c \u0643\u062a\u0627\u0628 \u0627\u0644\u0628\u064a\u0648\u0639 .\u0628\u064a\u0631\u0648\u062a: \u062f\u0627\u0631 \u0627\u0644\u0643\u062a\u0628 \u0627\u0644\u0639\u0644\u0645\u064a\u0629 \u0644\u0644\u0646\u0634\u0631 \u0648\u0627\u0644\u062a\u0648\u0632\u064a\u0639\u060c 2009\u0645.<\/p>\n
                        \u0623\u0628\u0648 \u0639\u0645\u0631 \u062f\u064f\u0628\u0652\u064a\u064e\u0627\u0646\u0650 \u0628\u0646 \u0645\u062d\u0645\u062f \u0627\u0644\u062f\u0651\u064f\u0628\u0652\u064a\u064e\u0627\u0646\u0650\u060c \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0623\u0635\u0627\u0644\u0629 \u0648\u0645\u0639\u0627\u0635\u0631\u0629\u060c \u0645\u0643\u062a\u0628\u0629 \u0627\u0644\u0645\u0644\u0643 \u0641\u0647\u062f \u0627\u0644\u0648\u0637\u0646\u064a\u0629 .\u0627\u0644\u0631\u064a\u0627\u0636: \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0627\u0644\u0637\u0628\u0639\u0629: \u0627\u0644\u062b\u0627\u0646\u064a\u0629\u060c 1432\u0647\u0640.<\/p>\n
                        \u0625\u0633\u0645\u0627\u0639\u064a\u0644 \u0645\u062d\u0645\u062f \u0633\u0644\u064a\u0645\u0627\u0646 \u0627\u0644\u0623\u0634\u0642\u0631\u060c \u0628\u064a\u0639 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0643\u0645\u0627 \u062a\u062c\u0631\u064a\u0647 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 .\u0639\u0645\u0627\u0646: \u062f\u0627\u0631 \u0627\u0644\u0646\u0641\u0627\u0626\u0633 \u0644\u0644\u0646\u0634\u0631 \u0648\u0627\u0644\u062a\u0648\u0632\u064a\u0639\u060c 1995\u0645.<\/p>\n
                        \u0622\u0644 \ufed3\ufeae\ufef3\ufe8e\u0644 \u0628\u0646 \u0635\u0627\u0644\u062d\u060c \u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0627\u0644\u0645\u0634\u062a\u0631\u0643 .\u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629: \u062f\u0627\u0631 \u0627\u0644\u0643\u0646\u0648\u0632 \u060c 2012\u0645.<\/p>\n
                        \u0628\u064a\u0648 \u0625\u062d\u0633\u0627\u0646\u060c \u062a\u062d\u0644\u064a\u0644 \u0622\u0644\u064a\u0629 \u062a\u0646\u0641\u064a\u0630 BSM OTO \u0645\u0639 \u0639\u0642\u062f \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0641\u064a \u0628\u0646\u0643 \u0634\u0631\u064a\u0639\u0629 \u0645\u0627\u0646\u062f\u064a\u0631\u064a \u0641\u064a \u0641\u0631\u0639 \u0633\u064a\u0645\u0627\u0631\u0627\u0646\u062c -\u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627: \u062c\u0627\u0645\u0639\u0629 \u0648\u0627\u0644\u064a \u0633\u0648\u0646\u062c\u0648 \u0633\u0645\u0627\u0631\u0646\u062c\u060c 2018\u0645.<\/p>\n
                        \u062d\u0627\u0645\u062f \u0634\u062d\u0627\u062a\u0647 \u0648\u0623\u062e\u0631\u0648\u0646\u060c \u0628\u0646\u0627\u0621 \u0627\u0644\u0645\u0641\u0627\u0647\u064a\u0645 \u0627\u0644\u0623\u0635\u064a\u0644\u0629 \u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u0623\u0645\u0629 .\u0627\u0644\u0642\u0627\u0647\u0631\u0629: \u0627\u0644\u0645\u0639\u0647\u062f \u0627\u0644\u0639\u0627\u0644\u0645\u064a \u0644\u0644\u0641\u0643\u0631 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u060c 2019\u0645.<\/p>\n
                        \u062d\u0633\u064a\u0646 \u0639\u0628\u062f \u0627\u0644\u0645\u0637\u0644\u0628 \u0627\u0644\u0623\u0633\u0631\u062c\u060c \u0625\u0637\u0644\u0627\u0642 \u0627\u0644\u0625\u0645\u0643\u0627\u0646\u0627\u062a \u0627\u0644\u0648\u0627\u0639\u062f\u0629 \u0644\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a .\u0645\u062c\u0647\u0648\u0644 \u062f\u0627\u0631 \u0648\u0645\u0643\u0627\u0646 \u0627\u0644\u0646\u0634\u0631\u060c 2018\u0645.<\/p>\n
                        \u062d\u0645\u0632\u0629 \u0634\u0627\u0643\u0631\u060c \u062f\u0648\u0631 \u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0641\u064a \u062a\u0639\u0632\u064a\u0632 \u0627\u0646\u0636\u0628\u0627\u0637 \u0633\u0648\u0642 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\u060c \u0631\u0633\u0627\u0644\u0629 \u062f\u0643\u062a\u0648\u0631\u0627\u0629\u060c \u062c\u0627\u0645\u0639\u0629 \u0641\u0631\u062d\u0627\u062a \u0639\u0628\u0627\u0633\u060c \u0627\u0644\u062c\u0632\u0627\u0626\u0631\u060c 2022\u0645.<\/p>\n
                        \u062d\u064a\u062f\u0631 \u064a\u0648\u0646\u0633 \u0627\u0644\u0645\u0648\u0633\u0648\u064a\u060c \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0623\u062f\u0627\u0621\u0647\u0627 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0623\u062b\u0631\u0647\u0627 \u0641\u064a \u0627\u0644\u0633\u0648\u0642\u060c \u0639\u0645\u0627\u0646: \u062f\u0627\u0631 \u0627\u0644\u064a\u0627\u0632\u0648\u0631\u064a \u0627\u0644\u0639\u0644\u0645\u064a\u0629 \u0644\u0644\u0646\u0634\u0631 \u0648\u0627\u0644\u062a\u0648\u0632\u064a\u0639\u060c 2018\u0645.<\/p>\n
                        \u0631\u0627\u0626\u062f \u0646\u0635\u0631\u064a \u0623\u0628\u0648 \u0645\u0624\u0646\u0633\u060c \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0627\u0644\u0645\u0627\u0647\u064a\u0629 \u0648\u0627\u0644\u062e\u0635\u0627\u0626\u0635 \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a\u0629 \u062f\u0631\u0627\u0633\u0629 \u062a\u062d\u0644\u064a\u0644\u064a\u0629 \u060c\u0645\u062c\u0644\u0629 \u062c\u0627\u0645\u0639\u0629 \u0641\u0644\u0633\u0637\u064a\u0646 \u0644\u0644\u0623\u0628\u062d\u0627\u062b \u0648\u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a\u060c \u0627\u0644\u0645\u062c\u0644\u062f 9 \u0627\u0644\u0639\u062f\u062f 1 \u060c\u0645\u0627\u0631\u0633 2019\u0645.<\/p>\n
                        \u0632\u062e\u0645\u0634\u0631\u064a \u0639\u0628\u062f \u0627\u0644\u062d\u0645\u064a\u062f\u060c \u0623\u0647\u0645\u064a\u0629 \u0642\u0648\u0627\u0646\u064a\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0634\u0631\u0639\u064a\u0629 \u0641\u064a \u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627 .\u0646\u0638\u0631\u064a\u0629 \u0627\u0644\u062a\u0641\u0633\u064a\u0631 \u0627\u0644\u0645\u0648\u0636\u0648\u0639\u064a \u0645\u062c\u0644\u0629 \u0623\u062d\u0643\u0627\u0645 \u060c \u0627\u0644\u0645\u062c\u0644\u062f 18\u060c \u0627\u0644\u0639\u062f\u062f 1\u060c 2018\u0645.<\/p>\n
                        \u0634\u0627\u0641\u064a\u0629 \u0643\u062a\u0627\u0641\u060c \u0648\u0627\u0642\u0639 \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0628\u064a\u0646 \u0627\u0644\u062a\u062c\u0627\u0631\u0628 \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u0648\u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u064a\u0629 \u060c \u0645\u062c\u0644\u0629 \u062f\u0641\u0627\u062a\u0631 \u0628\u0648\u0627\u062f\u0643\u0633 .\u0627\u0644\u0645\u062c\u0644\u062f 11 \u060c\u0627\u0644\u0639\u062f\u062f 1\u060c 2022\u0645.<\/p>\n
                        \u0639\u0627\u0626\u0634\u0629 \u0627\u0644\u0634\u0631\u0642\u0627\u0648\u064a \u0627\u0644\u0645\u0627\u0644\u0642\u064a \u060c \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\u060c \u0627\u0644\u062a\u062c\u0631\u0628\u0629 \u0628\u064a\u0646 \u0627\u0644\u0641\u0642\u0647 \u0648\u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0648\u0627\u0644\u062a\u0637\u0628\u064a\u0642 .\u0627\u0644\u062f\u0627\u0631 \u0627\u0644\u0628\u064a\u0636\u0627\u0621: \u0627\u0644\u0645\u0631\u0643\u0632 \u0627\u0644\u062b\u0642\u0627\u0641\u064a \u0627\u0644\u0639\u0631\u0628\u064a\u060c 2000\u0645.<\/p>\n
                        \u0639\u0628\u062f \u0627\u0644\u0631\u0632\u0627\u0642 \u0634\u064a\u062e\u060c “\u0635\u064a\u063a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0648\u0623\u062b\u0631\u0647\u0627 \u0639\u0644\u0649 \u062a\u0648\u0644\u064a\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0641\u064a \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u062f\u0631\u0627\u0633\u0629 \u062d\u0627\u0644\u0629 \u0628\u0646\u0643 \u0642\u0637\u0631 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u060c 2011-2018\u0645” .\u0631\u0633\u0627\u0644\u0629 \u0645\u0627\u062c\u0633\u062a\u064a\u0631: \u062c\u0627\u0645\u0639\u0629 \u0645\u062d\u0645\u062f \u0628\u0648\u0636\u064a\u0627\u0641\u060c \u0627\u0644\u062c\u0632\u0627\u0626\u0631\u060c 2019\u0645.<\/p>\n
                        \u0639\u0628\u062f \u0627\u0644\u0642\u0627\u062f\u0631 \u0642\u0637\u0627\u0641 \u0639\u0628\u064a\u0631\u0627\u062a \u0645\u0642\u062f\u0645\u060c \u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u062a\u0642\u0644\u064a\u0644 \u0645\u0646 \u0645\u062e\u0627\u0637\u0631 \u0635\u064a\u063a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0648\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0627\u0644\u0623\u0631\u062f\u0646\u064a \u0643\u0646\u0645\u0648\u0630\u062c 2013 -2015 \u060c\u0645\u062c\u0644\u0629 \u0627\u0644\u062d\u0642\u0648\u0642 \u0648\u0627\u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u0625\u0646\u0633\u0627\u0646\u064a\u0629 .\u062c\u0627\u0645\u0639\u0629 \u0632\u064a\u0627\u0646 \u0639\u0627\u0634\u0648\u0631 \u0627\u0644\u062c\u0632\u0627\u0626\u0631\u060c \u0627\u0644\u0639\u062f\u062f 30\u060c 2017\u0645.<\/p>\n
                        \u0639\u0628\u062f \u0627\u0644\u0643\u0631\u064a\u0645 \u064a\u062d\u064a\u0627\u0648\u064a\u060c \u0635\u064a\u063a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0648\u062f\u0648\u0631\u0647\u0627 \u0641\u064a \u062a\u062d\u0631\u064a\u0643 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0635\u0646\u0627\u0639\u064a \u0645\u0639 \u0627\u0644\u0625\u0634\u0627\u0631\u0629 \u0625\u0644\u0649 \u0628\u0639\u0636 \u0627\u0644\u062a\u062c\u0627\u0631\u0628 .\u0645\u0627\u0644\u064a\u0632\u064a\u0627 \u2013 \u0627\u0644\u0633\u0648\u062f\u0627\u0646 .\u0631\u0633\u0627\u0644\u0629 \u0645\u0627\u062c\u0633\u062a\u064a\u0631- \u062c\u0627\u0645\u0639\u0629 \u0623\u0645 \u0627\u0644\u0628\u0648\u0627\u0642\u064a\u060c \u0627\u0644\u062c\u0632\u0627\u0626\u0631\u060c 2015\u0645.<\/p>\n
                        \u0639\u0645\u0631 \u062d\u0633\u0646\u060c \u0627\u0644\u0645\u0648\u0633\u0648\u0639\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629\u060c \u0627\u0644\u0642\u0627\u0647\u0631\u0629: \u062f\u0627\u0631 \u0627\u0644\u0641\u0643\u0631 \u0627\u0644\u0639\u0631\u0628\u064a\u060c 1992\u0645.<\/p>\n
                        \u0641\u0624\u0627\u062f \u0639\u0628\u062f \u0627\u0644\u0644\u0637\u064a\u0641 \u0627\u0644\u0633\u0631\u0637\u0627\u0648\u064a\u060c \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0648\u062f\u0648\u0631 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u062e\u0627\u0635 .\u0639\u0645\u0627\u0646: \u062f\u0627\u0631 \u0627\u0644\u0645\u0633\u064a\u0631\u0629 \u0644\u0644\u0646\u0634\u0631 \u0648\u0627\u0644\u062a\u0648\u0632\u064a\u0639 \u0648\u0627\u0644\u0637\u0628\u0627\u0639\u0629\u060c 1999\u0645.<\/p>\n
                        \u0645\u062d\u0645\u062f \u0627\u0644\u0628\u0644\u062a\u0627\u062c\u064a\u060c \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629: \u0627\u0644\u0646\u0638\u0631\u064a\u0629\u060c \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u060c \u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a\u060c .\u0645\u0635\u0631: \u0645\u0643\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0648\u0642 \u0627\u0644\u062f\u0648\u0644\u064a\u0629\u060c 2012\u0645.<\/p>\n
                        \u0645\u062d\u0645\u062f \u0628\u0646 \u0625\u062f\u0631\u064a\u0633 \u0627\u0644\u0634\u0627\u0641\u0639\u064a\u060c \u0627\u0644\u0623\u0645 .\u0628\u064a\u0631\u0648\u062a: \u062f\u0627\u0631 \u0627\u0644\u0645\u0639\u0631\u0641\u0629\u060c 1393\u0647.<\/p>\n
                        \u0645\u062d\u0645\u062f \u0633\u064a\u0627\u0641\u064a \u0623\u0646\u0637\u0648\u0646\u064a\u0648\u060c \u0628\u0646\u0643 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0645\u0646 \u0627\u0644\u0646\u0638\u0631\u064a\u0629 \u0625\u0644\u0649 \u0627\u0644\u062a\u0637\u0628\u064a\u0642 .\u062c\u0627\u0643\u0631\u062a\u0627: \u062c\u064a\u0645\u0627 \u0625\u0646\u0633\u0627\u0646\u064a\u060c 2001\u0645.<\/p>\n
                        \u0645\u062d\u0645\u062f \u0639\u0628\u062f \u0627\u0644\u0631\u0624\u0648\u0641 \u0627\u0644\u0645\u0646\u0627\u0648\u064a\u060c \u0627\u0644\u062a\u0639\u0627\u0631\u064a\u0641 \u0627\u0644\u062a\u0648\u0642\u064a\u0641 \u0639\u0644\u0649 \u0645\u0647\u0645\u0627\u062a \u0627\u0644\u062a\u0639\u0627\u0631\u064a\u0641\u060c \u062a\u062d\u0642\u064a\u0642: \u0645\u062d\u0645\u062f \u0631\u0636\u0648\u0627\u0646 \u0627\u0644\u062f\u0627\u064a\u0629 .\u0628\u064a\u0631\u0648\u062a: \u062f\u0627\u0631 \u0627\u0644\u0641\u0643\u0631 \u0627\u0644\u0645\u0639\u0627\u0635\u0631\u060c \u0648\u062f\u0645\u0634\u0642: \u062f\u0627\u0631 \u0627\u0644\u0641\u0643\u0631 1410\u0647.<\/p>\n
                        \u0645\u062d\u0645\u062f \u0639\u0645\u064a\u0645 \u0627\u0644\u0625\u062d\u0633\u0627\u0646 \u0627\u0644\u0645\u062c\u062f\u064a \u0627\u0644\u0628\u0631\u0643\u062a\u064a\u060c \u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0641\u0642\u0647 .\u0628\u0628\u0644\u0634\u0631\u0632 \u0643\u0631\u0627\u062a\u0634\u064a \u0627\u0644\u0637\u0628\u0639\u0629: \u0627\u0644\u0623\u0648\u0644\u0649\u060c 1986\u0645.<\/p>\n
                        \u0645\u062d\u0645\u0648\u062f \u062d\u0633\u064a\u0646 \u0627\u0644\u0648\u0627\u062f\u064a\u060c \u062d\u0633\u064a\u0646 \u0645\u062d\u0645\u062f \u0633\u0645\u062d\u0627\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0623\u0633\u0633 \u0627\u0644\u0646\u0638\u0631\u064a\u0629 \u0648\u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u064a\u0629\u060c \u0639\u0645\u0627\u0646: \u062f\u0627\u0631 \u0627\u0644\u0645\u0633\u064a\u0631\u0629 \u0644\u0644\u0646\u0634\u0631 \u0648\u0627\u0644\u062a\u0648\u0632\u064a\u0639 \u0648\u0627\u0644\u0637\u0628\u0627\u0639\u0629\u060c 2016\u0645.<\/p>\n
                        \u062d\u0633\u0627\u0645 \u0627\u0644\u062f\u064a\u0646 \u0639\u0641\u0627\u0646\u0629\u060c \u0628\u064a\u0639 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0627\u0644\u0645\u0631\u0643\u0628\u0629 \u0643\u0645\u0627 \u062a\u062c\u0631\u064a\u0647 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0641\u064a \u0641\u0644\u0633\u0637\u064a\u0646 \u060c\u0628\u062d\u062b \u0645\u0642\u062f\u0645 \u0625\u0644\u0649 \u0645\u0624\u062a\u0645\u0631” \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0648\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0628\u0646\u0648\u0643” \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u062e\u0644\u064a\u0644\u060c 27-7-2009\u0645.<\/p>\n
                        \u0645\u0646\u0630\u0631 \u0642\u062d\u0641\u060c \u0645\u0641\u0647\u0648\u0645 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0641\u064a \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u060c\u062a\u062d\u0644\u064a\u0644 \u0641\u0642\u0647\u0640\u064a \u0648\u0627\u0642\u062a\u0635\u0640\u0627\u062f\u064a .\u0627\u0644\u0645\u0645\u0644\u0643\u0640\u0640\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0640\u0640\u0629 \u0627\u0644\u0633\u0640\u0640\u0639\u0648\u062f\u064a\u0629: \u0627\u0644\u0645\u0639\u0647\u0640\u0640\u062f \u0627\u0644\u0625\u0633\u0640\u0640\u0644\u0627\u0645\u064a \u0644\u0644\u0628\u062d\u0640\u0640\u0648\u062b \u0648\u0627\u0644\u062a\u0640\u0640\u062f\u0631\u064a\u0628\u060c2004\u0645.<\/p>\n
                        \u0645\u0648\u0644\u064a\u0627 \u0625\u064a\u0631\u064a\u063a\u0627\u0631\u060c \u0645\u0639\u0627\u064a\u064a\u0631 \u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 .\u062c\u0627\u0643\u0631\u062a\u0627 \u060c \u0641\u0628\u0631\u0627\u064a\u0631 2016\u0645.<\/p>\n
                        \u0646\u062c\u0645 \u0627\u0644\u062f\u064a\u0646 \u0623\u0628\u064a \u062d\u0641\u0635 \u0639\u0645\u0631 \u0628\u0646 \u0645\u062d\u0645\u062f \u0627\u0644\u0646\u0633\u0641\u064a\u060c \u0637\u0644\u0628\u0629 \u0627\u0644\u0637\u0644\u0628\u0629 \u0641\u064a \u0627\u0644\u0627\u0635\u0637\u0644\u0627\u062d\u0627\u062a \u0627\u0644\u0641\u0642\u0647\u064a\u0629\u060c \u062a\u062d\u0642\u064a\u0642: \u062e\u0627\u0644\u062f \u0639\u0628\u062f \u0627\u0644\u0631\u062d\u0645\u0646 \u0627\u0644\u0639\u0643 .\u0639\u0645\u0627\u0646: \u062f\u0627\u0631 \u0627\u0644\u0646\u0641\u0627\u0626\u0633\u060c 1995\u0645.<\/p>\n
                        \u0646\u062e\u0628\u0629 \u0645\u0646 \u0627\u0644\u0644\u063a\u0648\u064a\u064a\u0646 \u0628\u0645\u062c\u0645\u0639 \u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u060c \u0627\u0644\u0645\u0639\u062c\u0645 \u0627\u0644\u0648\u0633\u064a\u0637 .\u0627\u0644\u0642\u0627\u0647\u0631\u0629: \u0645\u062c\u0645\u0639 \u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629\u060c \u0627\u0644\u0637\u0628\u0639\u0629: \u0627\u0644\u062b\u0627\u0646\u064a\u0629 \u060c 1972\u0645.<\/p>\n
                        \u0646\u0639\u064a\u0645\u0629 \u0645\u062f\u0627\u062d\u064a \u0648\u0642\u0648\u064a\u062f\u0631 \u0633\u0646\u0648\u0633\u064a \u060c \u0623\u062b\u0631 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0639\u0644\u0649 \u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a \u0641\u064a \u0627\u0644\u062c\u0632\u0627\u0626\u0631 \u062e\u0644\u0627\u0644 \u0627\u0644\u0641\u062a\u0631\u0629 .1993-2019 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 ARDL \u060c\u0645\u062c\u0644\u0629 \u0627\u0644\u062f\u0641\u0627\u062a\u0631 \u0645\u062c\u0644\u062f 17 \u060c\u0627\u0644\u0639\u062f\u062f 1\u060c 2021\u0645.<\/p>\n
                        \u064a\u0627\u0633\u0645\u064a\u0646 \u062e\u0644\u064a\u0644 \u0627\u0644\u0645\u062d\u064a\u0645\u062f\u060c \u0623\u062b\u0631 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0646\u0645\u0648\u0630\u062c \u0627\u0644\u062a\u0639\u0644\u0645 \u0627\u0644\u0628\u0646\u0627\u0626\u064a \u0641\u064a \u062a\u0646\u0645\u064a\u0629 \u0645\u0647\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u0641\u0643\u064a\u0631 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0651\u0629 \u0644\u062f\u0649 \u062a\u0644\u0627\u0645\u0630\u0629 \u0627\u0644\u0635\u0641 \u0627\u0644\u0631\u0627\u0628\u0639 \u0627\u0644\u0623\u0633\u0627\u0633\u064a \u0641\u064a \u0645\u0627\u062f\u0629 \u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629\u060c \u0631\u0633\u0627\u0644\u0629 \u0645\u0627\u062c\u0633\u062a\u064a\u0631\u060c \u062c\u0627\u0645\u0639\u0629 \u062f\u0645\u0634\u0642\u060c 2016\u0645.<\/p>\n
                        \u064a\u062d\u064a\u0649 \u0628\u0646 \u0634\u0631\u0641 \u0627\u0644\u0646\u0648\u0648\u064a\u060c \u0627\u0644\u0645\u062c\u0645\u0648\u0639 \u0634\u0631\u062d \u0627\u0644\u0645\u0647\u0630\u0628 \u0644\u0644\u0634\u064a\u0631\u0627\u0632\u064a\u060c \u062a\u062d\u0642\u064a\u0642: \u0645\u062d\u0645\u062f \u0627\u0644\u0645\u0637\u064a\u0639\u064a .\u062c\u062f\u0629: \u0645\u0643\u062a\u0628\u0629 \u0627\u0644\u0625\u0631\u0634\u0627\u062f\u060c 1980\u0645.<\/p>\n
                        \u0627\u0644\u0645\u0639\u064a\u0627\u0631 \u0627\u0644\u0634\u0631\u0639\u064a \u0631\u0642\u0645 1 \u0645\u0646 \u0645\u0639\u0627\u064a\u064a\u0631 \u0647\u064a\u0626\u0629 \u0627\u0644\u0645\u062d\u0627\u0633\u0628\u0629 \u0648\u0627\u0644\u0645\u0631\u0627\u062c\u0639\u0629 \u0644\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0628\u0627\u0644\u0628\u062d\u0631\u064a\u0646.<\/p>\n
                        \u0627\u0644\u0645\u0631\u0627\u062c\u0639 \u0627\u0644\u0623\u062c\u0646\u0628\u064a\u0629<\/strong><\/p>\n
                        Dewi Wulan Sari, The Influence of Murabahah, Istishna, Mudharabah, and Musyarakah Financing on Profitability, Study of Sharia Banks in Indonesia for the Period March 2015 \u2013 August 2016, Accounting and Management Journal, Vol. 1, No. 1, July 2017.<\/p>\n
                        Fatwa Dewan Syariah Nasional Nomor 13\/DSN-MUI\/IX \/200038.<\/p>\n
                        Latif , (2016) Abdul, Implementation of the DSN-MUI Fatwa on the Murabahah Financing Practices of Bank Syariah Mandiri and Bank Muamalat KCP Ponorogo Muslim Heritage .Vol. 1, No.1, May – October 2016 ,pp.9.<\/p>\n
                        Luara, Kuanva and Sagiyeva, Rimma (2019), , Islamic Finance kazakstan Adaptation of Foreign Experience, Journal of Economic Research and Business Administration, Vol 01. N 127, p59.<\/p>\n
                        Maya Kiswati, Analysis of the Effect of Murabahah, Mudharabah and Musyarakah Financing on Return on Assets pt. Bank Syariah Mandiri tbk. Period 2012-2016 Obtained a Bachelor’s Degree in Economics .Surakarta State Islamic Institute, 2017.<\/p>\n
                        Mohammad Ghozali, Muhammad Ulul Azmi & Wahyu Nugroho, Development of Sharia Banks in Southeast Asia, A Historical Study, FALAH Journal of Sharia Economics, Vol. 4, No.1, February 2019, pp, 44-45.<\/p>\n
                        MUI National Sharia Council (2006), National Sharia Council and Bank Indonesia, MUI National Sharia Council Fatwa Association. Jakarta: CV. Guang Persada, cet. 3. p24-25.<\/p>\n
                        Prasetyo, Luhur, (2010), Sharia Banking Law, Ponorogo: STAIN, Ponorogo Press, pp.71.<\/p>\n
                        Sinaga, (2016) Syarifah, Murabahah Financing Agreement for Motor Vehicle Financing Companies, Renaissance (Indonesian Islamic University, No. 2 VOL. 1 July 2016, 221.<\/p>\n
                        Sitorus ,(2021) Ropesta, This article was published on Bisnis.com with the title “Official! BUMN Sharia Bank Merger Gets Permit from OJK, https,finansial.bisnis.com. 27 January 2021.<\/p>\n
                        OJK, Statistik Perbankan Syariah Juli 2021.<\/p>\n
                        www.syariahmandiri.co.id<\/p>\n","protected":false},"excerpt":{"rendered":"
                        Islamic Financing Through Murabaha At Bank Mandiri Shariah \u2013 Indonesia \u0623. \u0625\u0628\u0631\u0627\u0647\u064a\u0645 \u0645\u0635\u0637\u0641\u0649 \u0625\u0628\u0631\u0627\u0647\u064a\u0645 \u0647\u0648\u064a\u062f\u064a1 1 \u0628\u0627\u062d\u062b \u0641\u064a \u0627\u0644\u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0623\u0633\u0645\u0631\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u2013 \u0644\u064a\u0628\u064a\u0627 \u0628\u0631\u064a\u062f \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a: ibrahimhwidi@gmail.com HNSJ, 2024, 5(1); https:\/\/doi.org\/10.53796\/hnsj51\/1 […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_joinchat":[],"footnotes":""},"class_list":["post-8695","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/pages\/8695","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/comments?post=8695"}],"version-history":[{"count":3,"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/pages\/8695\/revisions"}],"predecessor-version":[{"id":9043,"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/pages\/8695\/revisions\/9043"}],"wp:attachment":[{"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/media?parent=8695"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}