SF/ lj36g o ) FTF /SF/ lj36g o ) FTF /SF/ lj36g o ) FTF /SF/ lj36g o ) FTF /SF/ lj36g o ) FTF
SF/ lj36g o ) FTF /SF/ lj36g o ) FTF /SF/ lj36g o ) FTF /SF/ lj36g o ) FTF /SF/ lj36g o ) FTF
–
;/sf/ 3f“8f] eof] M ofbj cfGbf]ng bafpg lelhnfGt]sf] ;xf/f
xfn;Dd ;/f]sf/jfn s;};uF 7f]; k|d] zdf{sf] a'emfO{ 5 t/ o'jfx¿ klxNofpg g;Sbf o'jfx¿ cGof]ndf ldnfpgsf] nflu o'jfx¿ /fli6«otfk|lt d'n's uDeL/ /fhgLlts b'/fzosf] l8ndf k'u]sf] 5 . ;+ljwfg;ef
tYofË gePklg ljleGg ;/sf/L / u}x| cfh /fhg}lts bnsf] 9'Ëf , nf7L h'n;' k/]sf] pgsf] 7DofO{ 5 . To;f]t k|fs[lts uDeL/ x'gk' 5{ . pgL elG5g\ …clxn]sf] lgjf{rgsf] qmddf hgtfn] k|s6 u/]sf] hgdtsf] pkxf; ePsf] 5 . d'ns ' sf]
;/sf/L ;+:yfx¿n] lgsfn]sf] cg'dflgt / wgf{ h:tf cg'Tkfbs sfo{df nfUbf >f]tsf] wgL d'ns' g]kfnnfO{ s;}n] klg b]zn] vf]hs ] f] ckl/xfo{ eg]sf] /fli6«otfsf] /fli6«o /fhgLltnfO{ c:jefljs tl/sfn] hglj/f]wL lbzftkm{ ws]Ng] k|of;x¿
tYofÍnfO{ dfGg] xf] eg] klg !^ b]lv b]z g} jjf{bsf] l:yltdf k'us ] f] pgL u/La d'ns ' eGg gldNg] ts{ /fV5g ;jfn xf] . o;nfO{ hf]ufpgsf] nflu k'nsf] eO/x]sf] 5 . g]kfnL hgtfsf] rfxgfljk/Lt jt{dfg u7aGwg ;/sf/ ;}Go
$( jif{ pd]/ ;d"xsf (% nfv eGbf 7f8f] efiffd} /fhgLlts bnx¿nfO{ ufnL o'jf d~rsf ;+of]hs nf]s/fh cuf]:yL sfd ljsf;nfO{ ult lbg;s] dfq ;Dej lrGtgaf6 cufl8 a9\b}5 . nfvf}Fnfv hgtf ;8sdf cf]ln{P/ hg;+ljwfg,
a9L o'jfsf] ;+Vof g]kfndf 5 . o'jfsf lbg kl5 kb}g{ g . g]kfnL o'jf eg]sf pgsf] a'emfO{df xfdLn] cfk"m / b]zsf] 5 .Ú lbn's} h:tf] dxf]Q/Laf6 ;xefuL gful/s ;jf]{Rrtf / /fli6«otfsf] vf]hL ul//x]sf 5g\ . hgtfsf] dfunfO{
ljifodf sfd ul//x]sf ;+:yfx¿sf] g]kfnsf /fhgLlts bnx¿sf zlQmsf ;|ft] klxNofpg ;s]sf 5}gf} . b]ze/ ePsf s[i0f s';jfsf] klg a'emfO{ 5 . ;Daf]wg gug]{ jt{dfg u7aGwg ;/sf/sf] /a}ofnfO{ s'g} o'un] Ifdfbfg
5ftf ;+u7g o'jf ;+:yf ;+hfn -cfof]g_ ;|ft] x'g / dfkgdf Ps k|sf/sf /x]sf ljleGg o'jfx¿sf ljleGg ;d:of pgL eG5 c?nfO{ bf]if lbP/ cfk"m pDsg ug]{ 5}g . To;}n] t of] ;/sf/ Oltxf;sf] ;a}eGbf sn+lst / hg3ftL
sf] tYofÍnfO{ x]g] { xf] eg] (% nfv o'jfdf oGqx¿ x'g t/ clxn];Dd pgLx¿n] ePklg s]xL ;femf d'2f /x]sf] sfo{qmddf vf]Hg] k|jl[ t xfdLsxfF ljsf; ePsf] k|dfl0ft ePsf] 5 . d'n'snfO{ ult/f]waf6 lgsf; lbg] Ps dfq ljsNk
!% k|lt;t g]kfnL o'jfx¿ j}bz ] Ls >d of] zlQmnfO{ /fhg}lts :jfy{df dfq lrtjgaf6 ;xefuL lbn' ;fksf]6fsf] 5 . ;f]rfO{df gsf/fTds wf/0ffn] 7fp jt{dfg ;/sf/sf] lj36g / /fli6«o ;+oQ ' m ;/sf/sf] u7g xf] . o;af6 dfq
ahf/df j]lrg'k/]sf] 5 . Ps nfv eGbf nufP pgLx¿nfO{ slxNo} klg /fHo 5 . pgsf] ljrf/df o'jfx¿sf ;femf lnFb} uPsf] 5 . Tof] afgL o'jfx¿n] b]zn] ;xL lgsf; kfpg]df hgtf 9'Ss 5g\ .
a9L o'jfx¿ sf7df8f}s F f /]:6'/fx¿df ;+oGqdf ckl/xfo{ ;xefuLtf u/fPgg\ . ;jfn eg]sf :j/f]huf/L, ljsf; / kl/j{g ug'k{ 5{ .Ú panta_sagar@yahoo.com
hf]lvdk"0f{ sfd ul//x]sf 5g\ . $^
b]lv $& k|ltzt o'jfx¿ !& jif{eGbf{
sd pd]/df ljjfx ul/;s]sf x'G5g\
hlxn] klg gsf/fTds / WjfË;fTds
sfo{qmddf dfq k|of]u ePsf 5g eG5g
;+ljwfg;efsf ;ef;b\ tyf g]kfnL
#% s/f]8sf] cfn' pTkfbg b}nf]af6} df]6/ r9g] ;kgf
x]6f}8F f . dsjfgk'/sf s[ifsx¿n] a;]l{ g sf7df8f},F jL/uGh, gf/fo0fu9, kf]v/fsf
eg] $) nfv eGbf a9L o'jfx¿ sfFu; ]| sf o'jf g]tf uug yfkf . pgL s/f]8f}s
+ f] cfn' laqmL ug]{ u/]sf 5g\ . cfn' ;fy} ef/tsf] l;nu'9Lnufotsf :yfgdf kj{t . 3/sf] b}nf]af6} df]6/ r9g] hl/jfgf ;Ëfn]/ ag]sf] ufpF sf]ifaf6
a]/f]huf/L 5g\ . of] zlStsf] ;femf eG5g\ …ca o'jfx¿nfO{ cfGbf]ngdf x}g pTkfbgsf nflu k|l;4 pQ/L If]qsf lgof{t x'g] u/]sf] s[ifs k|d] nfn >]i7 ;kgf s;sf] x'b“ g} / Û df]6/ r9g] rfxgf ?= % nfv %) xhf/ vr{ePsf] 5 .
Ph]08f s] x'g ;S5 t o;sf ljifodf ;r]tgfsf sfo{qmdx¿df ;xefuL s[ifsx¿sf] d'Vo cfDbfgL g} cfn'afnL atfpF5g . Jofkf/Lx¿ ufpFd} cfn' vl/bsf k"/f ug{ oxf“sf afl;Gbfn] 3fF;, bfp/f ufpFdf !% jif{ klxn]bl] v sf]ifdf /sd
/fHo df}g 5 . oxL zlStsf] ;femf u/fpg' k5{ . cfGbf]ng clt e};Sof] . x'g] u/]sf] 5 . t/sf/LnfO{ d'Vo Joj;fo nflu cfpg] u/]sf 5g\ . pQ/L If]qsf a]rs ] f] /sd / gfrufg u/]sf] k};fn] hDdf ul/bF} cfPsf] lyof] . clxn];Dd
Ph]08fnfO{ klxNofpgsf] nflu o'jf ;+:yf of] zlSt nfO{ ljsf; lgdf{0fdf agfPsf o; If]qsf s[ifsx¿n] cfn' ;fy} xfF8Lvf]nf, xl6of, rf}38f, r'Rr] df]6/af6f] vg]sf 5g\ . /f]Dhf b]p/fnL– ufpF n ] n fO{ C0f :j¿k ljt/0f
;+hfn, o'y PS;g g]kfn / o'y Olg;]6Le nufpg'5{ .Ú /fhg}lts bnsf g]tfx¿n] laqmLaf6 o; jif{ #% s/f]8 ¿k}ofFeGbf vf]nfnufotsf If]qsf s[ifsx¿;d]t $ /fk' ufpFdf /x]sf] uf]wn' L cfdf ;d"xn] ul/bFc} fPsf] /sdnfO{ ;b'kof]u u/L
g]kfn eGg] o'jf ;+:yfx¿ cfof]hs / k6s k6s o'jfx¿nfO{ pQ]hgfdf cfpg a9L cfDbfgL u/]sf 5g\ . ut jif{ klg kl5Nnf] ;dodf cfn' v]tLtkm{ cfslif{t gfrufg u/]sf] /sd / ufpFnn ] ] 3fF; af6f] agfPsf] ufpF sf]ifsf ;lrj
sflGtk'/ b}lgs, g]kfn ;fKtflx, o'y l;sfPsf] dfq pgsf] cf/f]k 5 t/ #) s/f]8 a9Lsf] cfn' laqmL u/]sf pQ/L ePsf 5g\, t/ sf]N8 :6f]/sf] cefjsf bfp/f a]r]/ hDdf u/]sf] k};fn] lrGtfdl0f zdf{ uf}td atfpg'xG' 5 . …w]/}
Pkm Pd / pHofnf] g]6js{ ldl8of /fhg}lts r]tggf / cfly{s kl/j{gsf] dsjfgk'/sf] bfdg, kfn'ª, ah|jf/fxL, sf/0f pTkflbt cfn' e08f/0f ug{ ;d:of df]6/af6f] vg]sf x'g\ . ufpFdf k'Ug jif{klxn]af6 af6f] Nofpg vf]hs
] f xf},+ aNn
kf6g/ ePsf] tLg lbgsf] /fli6«o o'jf r]tgfdf o'jfx¿nfO{ nufpg g;s]sf] l6:6'ª, cfu|f, 8fF8fvs{ lrTnfª, /x]sf] xl6ofsf s[ifs d'sG' b af:tf]nfn] df]6/af6f] ag]kl5 df]6/nfO{ km"ndfnfn] ;kmn eofF} .Ú pxfFn] eGg'eof] . df]6/af6f]
g]tT[ j d~rn] s]xL ;d:of, ;jfnx¿ pgsf] bfjL 5 . ;fRr} b]znfO{ kl/j{tg dfv{nufotsf uflj;sf s[ifsx¿n] cfn' atfP . x]6f}8+ fdf Psdfq sf]N8 :6f]/ /x] :jfut u/]/ ef]het]/;d]t u/]sf 5g\ . vGg ?= !% nfv vr{eO;s]sf] 5 .
klxNofpg] / s;/L ;dfwfg ug{;lsG5 ug{] xf] eg] cfly{s qmflGt x'g' ckl/xfo{ laqmLaf6 o; jif{ #% s/f]8eGbf{ a9L klg sd Ifdtfsf sf/0f s[ifsx¿ /fDhf b]p/fnLsf] 7fF6L ufpFbl] v /fk';Dd cf/y/;Dd k'¥ofpg yk Tolt g} /sd
eGg] s'/fx¿ s]nfpg] k|of; u/]sf] 5 . /x]sf] atfp5g csf{ ;ef;b Pj+ o'jf cfDbfgL u/]sf x'g\ . s[ifsx¿n] sl/a # sf7df8f},+ jL/uGh / lrtjgsf sf]N8 rf/ lsnf]ld6/ df]6/af6f] lgdf{0f ePsf] nfUg] cg'dfg 5 . o;sf nflu uflj;n]
b]ze/sf ^) lhNnfaf6 cfPsf # ;o pBdL /fh]Gb| v]tfg . t/ clxn] xfd|f] xhf/ x]S6/df u/]sf] cfn'vt] Laf6 $$ :6f]/x¿df cfn' e08f/0f ug{afWo 5g\ . 5 . df]6/af6f]nfO{ /fk'af6 l5d]sL ?= % nfv ;xof]u u/]sf] 5 eg] kf]v/f,
o'jfx¿n] tLg lbg;Dd ;f] sfo{qmddf d'ns ' df pBf]u wGbfsf] nflu rflxg] xhf/ d]l6«s 6geGbf a9L cfn' pTkfbg cfn'vt] Lsf nflu pQ/L dsjfgk'/df cf/y/ 8fF8fvs{ uflj;;Dd hf]8g] sf7df8fF} a:g] /fk'jf;Ln] klg JolStut
5nkmn cGt/lqmof u/]sf lyP . dfgj ;+;fwg ljsf; ug{ g;s]sf] ePsf] 5 . o; If]qsf s[ifsx¿ s[lif pko'St xfjfkfgL ePsfn] oxfF cfn'sf] of]hgf agfPsf 5g\ . ufpFdf slxFNo} ¿kdf ?= Ps nfv hDdf u/]sf 5g\ .
pkl:yt ax';V+ ossf] wf/0ff lyof] pgsf] a'emfO{ 5 . pgL eG5g b]zdf ;xsf/Ldf cfa4 eP/ cfn'sf ;fy} /fd|f] pTkfbg x'g] s[lif ljsf; sfof{non] df]6/af6f] gk'Ug] sNkgf u/]sf dlxnf df]6/af6f] lgdf{0fkl5 k|l;4 wfld{s tyf
clxn]sf] /fhg}lts kl/l:yltb]lv o'jfdf s'g k|sf/sf] dfgj ;+;fwg rflxPsf] t/sf/L, km"nkm"nsf] Jofj;flos ¿kdf hgfPsf] 5 . cfn'vt] Lsf] nflu df6f]sf] af6f] vg]kl5 lgSs} v';L ePsf 5g\ . ko{6sLo If]q k~rf;] k'Ugsf nflu
/fhgLlts g}/f:otf 5fPsf] . t/ xf] To; tkm{ pxf“sf] lzIff k|0ffnL 5}g, v]tL ug{ u/]sf] lhNnf s[lif ljsf; sfof{no cfb{t| f sd, lr:ofg sd / 7Ls ;dodf w]/} jif{;Dd b'Or { f/ k};f hDdf u/]sf] km]bLaf6 l/ª/f]8 tof/ ePsf] 5 .
pgLx¿;Fu cfzf / pT;fx klg Tolt /fHo uDeL/ 5}g / gLlh If]q klg df}g dsjfgk'/n] hgfPsf] 5 . o;cl3 ufFhfsf] kfgL kg{ pko'St /x]sf] sfof{non] hgfPsf] uf]wn ' L cfdf ;d"xn] cfˆgf] sf]ifaf6 ?= df]6/af6f] pb\3f6gsf nflu k'Ug'ePsf
g} lyof] ls casf] gof“ g]kfnsf] g]tT[ j /x]sf] 5 . c?nfO{ bf]zdfq lbP/ k|z:t} v]tL x'g] b'D;Lvs{sf afl;Gbfn] 5 . o; If]qdf jif{sf] b'O{ afnL cfn'vt] L @ nfv %) xhf/ hDdf u/]sf] 5 . lhNnf ljsf; ;ldltsf k"j;{ efklt u0f]z
o'jfn] ug'k{ 5{ . b]zsf] kl/j{gsf] ;+jfxs clxn]sf] k':tf pDsg gkfpg] o'jf ;+:yf dfq o; jif{ @ s/f]8sf] cfn' laqmL u/]sf x'g] u/]sf] 5 . o; If]qaf6 lgof{t x'g] …cfkm"n] hDdf u/]sf] /sdaf6 af6f] ltldlN;gfn] of] ;8sn] lhNnfsf] ko{6g
of] zlStnfO{ /fd|f] sfddf kl/rfng ;+hfnsf cWoIf sljGb| a'nf{sf]6L 5g\ . ufpF;Dd ;8s k'uk] l5 ahf/sf cfn' a f6 s/ ;+ s ng u/L yfxf vGg kfPsf]df v';Ln] e"OdF f v'§} 5}g .Ú ljsf;df 7"nf] of]ubfg k'Ug] atfpg'eof] .
ug]{ xf] eg] b]z s'g cj:yfdf k'U5 < atfpF5g\ . pgL eG5g …xfdL cfk}mF n] nflu ;xh ePsf sf/0f cfn' v]tLtkm{ cfGbf]ngsf cleoQmf :juL{o ¿krGb| cfdf ;d"xsL cWoIf gL/s'df/L u'?ªn] /fk' ufpFsf dlxnf ;d"xn] ljjfx, j|taGw,
xfdLn] b]vs ] f] ;'Gb/ ;fGt g]kfn / gof“ ;dfhdf s]xL gofF s'/f ug{;Sof}F eg] cfslif{t ePsf] :yfgLo z]/axfb'/ yf]s/n] lji6n] o; If]qsf] ljsf;–lgdf{0fdf eGg'eof] . ufpFdf df]6/af6f] k'¥ofpgsf k"hfcfhf ubf{ gfrufg u/L /sd
g]kfnsf] gf/f ;fsf/ x'g w]/} ;do gnfUg] ToxLFaf6 gofF g]kfn lgdf{0f ;'?jft atfP . pQ/L If]qdf pTkflbt cfn' nufgL;d]t ug{] u/]sf lyP . nflu ufpFdf 3fF; bfp/f a]r/] / b08 h'6fpg] u/]sf 5g\ .
6 @)^& ;fn j}zfv @^ ut] cfOtaf/
DELTA -8]N6f_
a'emfP/ uPsf] ;jf/L;fwgdWo] Ps ;o lgldQ dxfk|aGws gjnlszf]/ ;fxsf] lbP/ /fli6«o ;/sf/sf] ljsNk lbg'k¥of] gq c;+j}wflgs / ;+j}wflgs as\as\
ub}{ ;8s cfGbf]ngnfO{ cjd"Nog ub}{ uof] eg] oxL cfGbf]ngn] oyfl:yltjfbL
hlt lalu|P/ ylGsPsf 5g\ . afFsL
!% hlt ;~rfngdf /x]sf] pBf]u
;+ o f] h sTjdf Ps dlxgfcl3
;jf/L;fwgsf] cj:yfsf] af/]df 5fglag
D / k/Dk/futjfbLnfO{ a9fg]{ 5 . To;}n] b]zk|lt dfof 5 eg], hgtfk|lt clnslt
;b\efj 5 eg] /flt # ah] l;+xb/af/ :sl6ªdf hfg'eGbf hgtf;Fu dfkmL
k|zf;gn] atfPsf] 5 . vfgL zfvfdf u/L s]–s:tf] cj:yf /x]sf] / s] ug{ DELTA Saving & Credit Co-Operative Ltd. dfUb} ;/sf/af6 x6\g'g} pko'Qm xf]nf . jt{dfgsf] /fhg}lts ;+j}wflgs, j}wflgs
/x]sf &) ;jf/L;fwgdWo] clxn] ;lsG5 egL sld6L lgdf{0f ePsf] pBf]u Jyatha-29, Jamal, Kathmandu, Rgd. No. 2078/065/66, Ph: 4216700 lgsf; g} /fli6«o ;/sf/ xf] . To;sf] nflu a]n}df ;f]Rbf /fd|} xf]nf .
;ftj6f dfq ;~rfngdf 5g\ . ^# k|zf;gn] hgfPsf] 5 . )^&.!.@$ ;fgf]l7dL eQmk'/
k|sfzs tyf ;Dkfbs M /fh]Gb|k; | fb lrdf}l/of, ;Nnfxsf/x¿ M 8f= 7s]Gb|ks
| fz lu/L, 8f= d'sG' b uh'/n ] , clwjQmf od nfld5fg], ch'g{ k|;fb k/fh'nL,
sfof{no M afuahf/, sf7df8f}F, df]afOn M (*$!$)#*%!, E-mail : chhepyastra@gmail.com, sDKo'6/ tyf d'bs | M lwDn] ckm;]6 k|;] , l8NnLahf/, lkknaf]6 glhs}, kmf]gM $$$%%@)