Issuu on Google+

‫  ا  ا  وا  ا ا‬

٢٠١٠‫ط‬

www.def.gov.jo


‫اول ا! ‪:‬ت ا&‪ %‬ا‪ 6‬وا‪3‬ری‪ #‬وا‪23‬‬ ‫>=<ام ‪٢٠١٠ ، ٢٠٠٩‬‬ ‫ول )‪ : (٢‬ا&‪ %‬اض ا ‪#‬ﺵ ﺡ‪ *+‬ا)ﺵ ‬

‫ول )‪ : (١‬ا&‪ %‬اض ا ‪#‬ﺵ ! ی ﺵ‪#‬ط‬

‫‪!C‬د ا ر‪E‬‬

‫ا ‪8HG‬‬

‫<‪ 8‬ا ر‪E‬‬

‫‪G‬ص ا ‬

‫‪2009‬‬

‫‪2010‬‬

‫‪2009‬‬

‫‪2010‬‬

‫‪2009‬‬

‫‪2010‬‬

‫ا ﺹ‪8‬‬

‫‪137‬‬ ‫‪147‬‬ ‫‪142‬‬ ‫‪125‬‬ ‫‪47‬‬ ‫‪137‬‬ ‫‪58‬‬ ‫‪80‬‬ ‫‪78‬‬ ‫‪64‬‬ ‫‪52‬‬ ‫‪25‬‬

‫‪164‬‬ ‫‪170‬‬ ‫‪64‬‬ ‫‪126‬‬ ‫‪156‬‬ ‫‪130‬‬ ‫‪90‬‬ ‫‪78‬‬ ‫‪62‬‬ ‫‪88‬‬ ‫‪48‬‬ ‫‪102‬‬

‫‪585,603‬‬ ‫‪417,558‬‬ ‫‪298,154‬‬ ‫‪296,338‬‬ ‫‪103,750‬‬ ‫‪257,140‬‬ ‫‪100,947‬‬ ‫‪186,385‬‬ ‫‪212,204‬‬ ‫‪164,139‬‬ ‫‪113,540‬‬ ‫‪43,500‬‬

‫‪355,912‬‬ ‫‪212,453‬‬ ‫‪151,935‬‬ ‫‪139,888‬‬ ‫‪111,300‬‬ ‫‪161,426‬‬ ‫‪122,299‬‬ ‫‪87,982‬‬ ‫‪107,861‬‬ ‫‪120,444‬‬ ‫‪41,974‬‬ ‫‪93,000‬‬

‫‪276‬‬ ‫‪146‬‬ ‫‪174‬‬ ‫‪149‬‬ ‫‪53‬‬ ‫‪177‬‬ ‫‪69‬‬ ‫‪84‬‬ ‫‪86‬‬ ‫‪68‬‬ ‫‪57‬‬ ‫‪26‬‬

‫‪156‬‬ ‫‪203‬‬ ‫‪73‬‬ ‫‪108‬‬ ‫‪204‬‬ ‫‪124‬‬ ‫‪86‬‬ ‫‪81‬‬ ‫‪58‬‬ ‫‪77‬‬ ‫‪63‬‬ ‫‪182‬‬

‫ا ‪7‬ع‬

‫‪1,092‬‬

‫‪1,365‬‬

‫‪1,415‬‬

‫ارﺏ!‬ ‫ا ر<ء‬ ‫ا ‪=5‬ء‬ ‫ﻡن‬ ‫ا ?ك‬ ‫ا ‪85@A‬‬ ‫ا @ق‬ ‫ﻡدﺏ‬ ‫‪57C‬ن‬ ‫‪#‬ش‬ ‫ا =‪8‬‬

‫‪1,706,474 2,779,258 1,278‬‬

‫ﺱ‪٢٠٠٩ 8‬‬ ‫ا =‪8‬‬ ‫‪!C‬د‬

‫ا '‬ ‫آﻥن ‪+‬ﻥ ‬ ‫ط‬

‫‪581‬‬ ‫‪511‬‬

‫ﺱ‪٢٠١٠ 8‬‬ ‫ا =‪8‬‬ ‫‪!C‬د‬

‫‪778,163‬‬ ‫‪928,311‬‬

‫‪627 1,580,136‬‬ ‫‪651 1,199,122‬‬

‫‪G‬ص ا ‬ ‫‪2010‬‬ ‫‪2009‬‬

‫‪721‬‬ ‫‪694‬‬

‫‪740‬‬ ‫‪625‬‬

‫‪/‬ذار‬ ‫ﻥ‪0‬ن‬ ‫أر‬ ‫ﺡان‬ ‫ ز‬ ‫‪/‬ب‬ ‫أ‪5‬ل‬ ‫ ‪ %‬أول‬ ‫ ‪+ %‬ن‬ ‫آﻥن أول‬

‫ا ‪7‬ع ‪1,365 1,706,474 1,278 2,779,258 1,092‬‬

‫‪1,415‬‬

‫‪1,092‬‬

‫ول )‪ :(٣‬ا‪ #‬ا‪ 7‬ا&‪ %‬ا‪!2 6‬وق ‪8‬ی ﺵ‪#‬ط‬

‫‪!C‬د‬

‫ا اﻡ‪ R‬ا‪<$‬ا‪8PPQ‬‬

‫ول )‪ : (٤‬ا&‪ %‬اض ا ‪#‬ﺵ و‪ .‬ا ‪#‬ﺵ ! ی ﺵ‪#‬ط‬

‫‬

‫ا =‪8‬‬ ‫‪2009‬‬

‫‪2009‬‬

‫‪2010‬‬

‫ﻡر‪ E‬أ‪G‬اد )‪( !!#‬‬

‫‪936‬‬

‫‪1,500,604 2,199,408 1,216‬‬

‫ﻡر‪ E‬ا‪GO‬اد ) ‪( A‬‬

‫‪156‬‬

‫‪205,870‬‬

‫ا ‪7‬ع‬

‫‪1,092‬‬

‫    ‬

‫    ‬

‫‪928,311 13,472,703‬‬

‫*     ‬

‫‪2010‬‬

‫     ‪//‬‬

‫‪107,673,274‬‬

‫* ‪   !"#$  %    &:‬‬ ‫‪() *  +‬‬

‫‪20,000‬‬

‫‪1,963,598‬‬

‫‪20,000‬‬

‫‪14,379,450‬‬

‫‪$  ,$ -../‬‬

‫‪62‬‬

‫‪579,850‬‬

‫‪1,706,474 2,779,258 1,278‬‬

‫‪0$‬‬

‫‪124,016,322‬‬

‫‪948,311 13,492,703‬‬

‫٭ '‪C 8‬م ‪٢٠٠٧‬‬ ‫‪58,000‬‬

‫ول )‪  : (٦‬آ ول   ا   وع‬ ‫ای‬

‫ول )‪ : (٥‬ا‪123‬ت ﺡ‪ *+‬ا)ﺵ ‬

‫‪ #‬ا) ‪-‬وع )‪#‬‬ ‫)دی&ر(‬ ‫ﻡل‬ ‫آ ‪ #‬ا) )دی&ر( ﻡ‪ ./0‬آ ا‪,-‬وع‬ ‫‪2010‬‬ ‫‪2009‬‬ ‫‪2010‬‬ ‫‪2009‬‬ ‫‪2010‬‬ ‫‪2009‬‬

‫ا  ا 'ي ﻡ‪ %‬ا‪ #$‬‬

‫ا‪"#$‬‬

‫‪%‬‬

‫ا‬

‫‪2,122‬‬

‫‪2,281‬‬

‫‪4,274‬‬

‫‪2,170‬‬

‫‪2.01‬‬

‫‪1.00‬‬

‫ار ‬

‫‪2,860‬‬

‫‪1,047‬‬

‫‪2,841‬‬

‫‪1,250‬‬

‫‪0.99‬‬

‫‪1.19‬‬

‫ا ر ء‬

‫‪1,714‬‬

‫‪2,081‬‬

‫‪2,100‬‬

‫‪2,374‬‬

‫‪1.23‬‬

‫‪1.00‬‬

‫اء‬

‫‪1,989‬‬

‫‪1,295‬‬

‫‪2,371‬‬

‫‪1,110‬‬

‫‪1.19‬‬

‫‪1.00‬‬

‫ﻡن‬

‫‪1,958‬‬

‫‪546‬‬

‫‪2,207‬‬

‫‪713‬‬

‫‪1.13‬‬

‫‪1.31‬‬

‫اك‬

‫‪1,453‬‬

‫‪1,302‬‬

‫‪1,877‬‬

‫‪1,242‬‬

‫‪1.29‬‬

‫‪0.95‬‬

‫ا‬

‫‪1,463‬‬

‫‪1,422‬‬

‫‪1,740‬‬

‫‪1,359‬‬

‫‪1.19‬‬

‫‪0.96‬‬

‫‪/‬ب‬

‫اق‬

‫‪2,219‬‬

‫‪1,086‬‬

‫‪2,330‬‬

‫‪1,128‬‬

‫‪1.05‬‬

‫‪1.04‬‬

‫أ‪5‬ل‬

‫ﻡد ‬

‫‪2,467‬‬

‫‪1,860‬‬

‫‪2,721‬‬

‫‪1,740‬‬

‫‪1.10‬‬

‫‪0.94‬‬

‫ ‪ %‬أول‬

‫ن‬

‫‪2,414‬‬

‫‪1,564‬‬

‫‪2,565‬‬

‫‪1,369‬‬

‫‪1.06‬‬

‫‪1.00‬‬

‫ ‪+ %‬ن‬ ‫آﻥن أول‬

‫ﺝش‬

‫‪1,992‬‬

‫‪666‬‬

‫‪2,183‬‬

‫‪874‬‬

‫‪1.10‬‬

‫‪1.31‬‬

‫ا‬

‫‪1,673‬‬

‫‪511‬‬

‫‪1,740‬‬

‫‪912‬‬

‫‪1.04‬‬

‫‪1.78‬‬

‫اع‬

‫‪2,036‬‬

‫‪1,206‬‬

‫‪2,545‬‬

‫‪1,335‬‬

‫‪1.25‬‬

‫‪1.11‬‬

‫ا '‬

‫ ت ‪٢٠٠٩‬‬ ‫در‬

‫ ت ‪٢٠١٠‬‬ ‫در‬

‫آﻥن ‪+‬ﻥ ‬ ‫ط‬

‫‪1.069.579‬‬ ‫‪1.074.595‬‬

‫‪1.118.099‬‬ ‫‪952,236‬‬

‫‪/‬ذار‬ ‫ﻥ‪0‬ن‬ ‫أر‬ ‫ﺡان‬ ‫ ز‬

‫ا ‪7‬ع‬

‫‪2,144,174‬‬

‫‪2,070,335‬‬

‫ﻡ!ل ا ‬ ‫‪%‬‬


‫ا ﺱ‪ B‬ا‪#‬ﻥ‪: ! I‬ت ا&‪ %‬ا‪ 6‬وا‪3‬ری‪ #‬وا‪23‬‬ ‫>=<ام ‪٢٠٠٩ ، ٢٠٠٨‬‬ ‫رﺱ‪  % : (٢) B‬ا‪ E‬وض ا ‪#‬ﺵ ة ‪8‬ی آﻥ<ن ‪J‬ﻥ‪I‬‬

‫رﺱ‪= : (١) B‬د ا‪ E‬وض ا ‪#‬ﺵ ة ‪8‬ی ﺵ آﻥ<ن‬ ‫‪J‬ﻥ‪I‬‬

‫رﺱ‪< : (٤) B‬زی‪= K‬د اورات ا‪3‬ری‪8 #‬ی ﺵ ﺵ‪#‬ط‬

‫رﺱ‪  : (٣) B‬ص ا  ا ‪ <3‬ة ‪ M‬ا ری‪8 K‬ی ﺵ ‬ ‫ﺵ‪#‬ط‬ ‫‪300‬‬

‫‪250‬‬

‫‪200‬‬

‫‪150‬‬

‫‪٢٠٠٧‬‬ ‫‪٢٠٠٨‬‬

‫‪100‬‬

‫‪50‬‬

‫‪0‬‬ ‫ا‪#E‬‬

‫ ش‬

‫=<ن‬

‫دﺏ‬

‫ا  ق‬

‫ا‪T‬‬

‫ا‪ S‬ك‬

‫ن‬

‫ا‪E#‬ء‬

‫ا‪Q‬ر‪%‬ء‬

‫ارﺏ‬

‫ا  ‬

‫رﺱ‪  % : (٦) B‬ا ری‪ K‬ﺡ‪ *+‬ا‪ #‬ا‪ 7‬ا&‪ %‬ا‪8 6‬ی‬ ‫ا ﺵ‪#‬ط‬

‫رﺱ‪E : (٥) B‬رﻥ ‪12  %‬ت ا‪ E‬وض ا ‪#‬ﺵ ة‬

‫‪2008‬‬ ‫‪3,957,505‬‬ ‫‪918,000‬‬ ‫‪28,425‬‬ ‫‪420,448‬‬

‫‪1,400,000‬‬ ‫‪1,200,000‬‬ ‫‪1,000,000‬‬ ‫‪800,000‬‬ ‫‪600,000‬‬ ‫‪400,000‬‬ ‫‪200,000‬‬ ‫‪0‬‬

‫‪2 Series1‬‬

‫‪Series2‬‬

‫‪1‬‬


DEF Promoting the culture of microfinance & self-dependency

DEF Loans and Training activities FEB. 2010 (2009,2010)

www.def.gov.jo


JAN. 2010 Issue

DEF Loans and Training activities Table (2) Geographic Loans distribution

Table (1) monthly Loans distribution Year 2009 number J.D

Month

581 January February 511 March April May June July August September October November December 1,092 Total

Year 2010 number J.D

Jobs Created

1,580,136

627

778,163

2009 740

2010 721

1,199,122

651

928,311

625

694

2,779,258

1,278

1,706,474

1,365

1,415

Loans no.

Governorate

2009

137 Irbid 147 Zarka 142 Balqaa 125 Ma'an 47 Karak 137 Tafileh 58 Mafraq 80 Madaba 78 Ajloun 64 Jerash 52 Aqaba 25 Total 1,092 Amman

Table( Table(3) Direct and indirect Loans Activities JD's As end of ( 2009)

Loan type catg.

Total Direct Loans

13,472,703

JD's(2010)

2010

2009

164 170 64 126 156 130 90 78 62 88 48 102 1,278

585,603 417,558 298,154 296,338 103,750 257,140 100,947 186,385 212,204 164,139 113,540 43,500 2,779,258

B. MFI's

20,000

1,963,598

0

14,379,450

13,492,703

798,163

Job cost (JD's)

Ave rage Project Cost

156

62 579,850 205,870 50.8%

1,092 1,278 2,779,258 1,706,474 6%

124.016.322

Table( Table(5) Job cost analysis & Average project cost Governorate

936 1,216 2,199,408 1,500,604 17.0%

projects development Total

Total

2010

156 203 73 108 204 124 86 81 58 77 63 182 1,415

107,673,274

Start-up & Existing projects 20,000

2009

No. of projects J.D 2009% 2009 2010 2009 2010

Year Total

Total Indirect Loans:

A. Credit Funds

2010

355,912 276 212,453 146 151,935 174 139,888 149 111,300 53 161,426 177 122,299 69 87,982 84 107,861 86 120,444 68 41,974 57 93,000 26 1,706,474 1,365

Table( Table(4) Lending Activities

Activities 928311

Job Created

Loans J.D

Table( Table(6) monthly collections

Average Job per Project

Month

2009

2010

2009

2010

2009

2010

Amman

2,122

2,281

4,274

2,170

2.01

1.00

January

Irbid

2,860

1,047

2,841

1,250

0.99

1.19

Fe bruary

Zarka

1,714

2,081

2,100

2,374

1.23

1.00

March

Balqaa

1,989

1,295

2,371

1,110

1.19

1.00

April

Ma'an

1,958

546

2,207

713

1.13

1.31

May June

Karak

1,453

1,302

1,877

1,242

1.29

0.95

Tafileh

1,463

1,422

1,740

1,359

1.19

0.96

2008 J.D

2009 J.D

Growth Rate %

M.C /T.C %

1.069.579 1.074.595

1.118.099 952,236

15%

100%

2,070,335

2%

100%

July August

Mafraq

2,219

1,086

2,330

1,128

1.05

1.04

Madaba

2,467

1,860

2,721

1,740

1.10

0.94

Octobe r

Ajloun

2,414

1,564

2,565

1,369

1.06

1.00

Nove mbe r

Jerash

1,992

666

2,183

874

1.10

1.31

De ce mbe r

Aqaba

1,673

511

1,740

912

1.04

1.78

Total

Total

2,036

1,206

2,545

1,335

1.25

1.11

Se pte mbe r

2,144,174


â&#x20AC;«ت ا)[ Ù&#x2030;â&#x20AC;¬: !â&#x20AC;« اâ&#x20AC;¬Bâ&#x20AC;«Ø£Ù&#x2021;â&#x20AC;¬ ٢٠١٠ â&#x20AC;«Ø·â&#x20AC;¬#â&#x20AC;«Ù&#x201E; ﺵ ﺵâ&#x20AC;¬1[

www.def.gov.jo


‫ا ي ‪ =5‬أﺹب ا ر‪ E‬ا  ‪S< G 8‬ء ﺏﻡ‬

‫ا‪ \E3‬ی =م !وق ا‪  !3‬وا‪ = 8 3‬ا ي =دًا ‪ M‬ات ا ‪ M #‬أب ا ری‪ K‬ا !‪ Q‬وا‪ 3‬ت‬ ‫ا&ﻥ‪ 3‬ا !‪b‬ة ‪a% I‬ء ﺏ  ‪  ` I‬ش‪.‬‬ ‫و‪%‬ل ا ي [‪1‬ل ا‪E‬ء ا‪b‬ي =‪  dE‬آ‪Q Q‬ی‪ Q‬ا&ﻥ‪" 3‬إرادة"  ش ‪ I‬رﺱ = <ن ا‪h‬ﻥ<ی ‪!#‬ت اﻥ‪ g‬ﺱ‪<  B3‬ی‬ ‫‪ %‬وض   <= ‪ M‬ا ری‪ i:! I K‬و‪ %‬ى <ب ا‪  3+ E‬رﺏت ا‪<#‬ت ﺏ ان ی‪ B3‬ری‪  #% M B #‬وع إرادة‬ ‫=\  ! واﺡة ی‪ B3‬ا‪ 3‬آ‪<<  = Q‬ل ا\ ‪ S‬ة ‪ %‬ی واﺡة  !‪ 73‬واﺡ‪.‬‬ ‫وﺏ‪ M‬ا ي أهاف ا‪!2‬وق وأﺏ زه  ‪ MS‬ا) اد وا)ﺱ ا‪ E‬ة وا‪ M= :‬ا  ‪ I‬ا `ت وا)<ی ‪1[ M‬ل‬ ‫!  و <ی ا ری‪ K‬ا ‪ 3k‬وﻥ ‪ EJ‬ا  ا و‪Q‬ی‪<  Q‬م ا‪ 8 3‬ا‪b‬ا‪ I‬و‪ i‬ا اﺏ ا‪l‬ﺱ‪.1‬‬ ‫وأآ اﺱ‪3‬اد ا‪!2‬وق ‪E3‬ی‪ B‬ا=‪ B‬ا!‪ I‬وا‪< 3‬ی‪  I‬ری‪ K‬ا&ﻥ‪3‬‬ ‫وا‪ k‬و‪ i‬ی ا‪ #‬ا‪ 7‬ا‪ %l‬ا‪E K 6‬ی‪ B‬ا‪1 +3‬ت ا‪< 3‬ی )ب ا ری‪ M K‬أﺏ!ء <اء ﺏ  ‪1[ M‬ل‬ ‫‪ 6‬ﻥت ‪ +‬ة و‪ 3‬ة ﺱ ح ‪+‬اد ا‪ E‬ض ‪ 3‬اوح  ﺏ‪ ٦-٣ M‬أﺵ ‪.‬‬ ‫و‪3[ I‬م ا‪E‬ء ل ا ي وی =م  اآ‪Q Q‬ی‪ Q‬ا&ﻥ‪" 3‬إرادة" ا !س ﺏ‪+‬م ا‪ *Tk‬وا‪<a‬ر ‪ I‬ا  ض‬ ‫ا‪b‬ي ‪ = g1[ M B‬ض !‪3‬ت ﺏ‪ p‬ا ری‪ K‬ا !‪b‬ة ‪،‬إ‪ 6‬إ\ وﺡة ا&‪ %‬اض ا ‪ E!3‬ا‪3‬ﺏ ‪!2‬وق ا‪  !3‬وا‪8 3‬‬ ‫وا‪ I3‬اﺱ‪< q#E3‬ری ‪#:‬ت ا ا‪ M#.‬ﺏ‪<2‬ل =\  <ی  ری ‪.B‬‬ ‫وﺡ‪ a‬ا‪E‬ء ی ‪a%‬ء ﺏ  اآ‪<3‬ر !‪<2‬ر =<ان ور‪ rs‬ﺏی ﺏ  =‪E‬ب ا‪ #‬وي وأ=‪a‬ء ‪ M‬إدار‪" I‬إرادة"‬ ‫و!وق ا‪  !3‬وا‪.8 3‬‬ ‫وی‪b‬آ ان ‪  %‬ا‪ E‬وض ا ‪ M E‬ا‪!2‬وق ‪  ` I‬ش <‪  q‬ی‪Q‬ی =‪ ١٢٥٠ M‬و= و ت اآ‪١٦٠٠ M h‬‬ ‫  =   ‪. g8‬‬


โ€ซ๏ปก! โ€ชCโ€ฌู… ุง !ูˆู‚ !ุซ โ€ช 8AT %C %@5โ€ฌุง  ' ุง ุง ู…โ€ฌ

โ€ซโ€ช !=Cโ€ฌ๏ปก! โ€ชCโ€ฌู… ุง !ูˆู‚ ุง โ€ช C !0โ€ฌุง ูŠ ๏บ= ุง !ูˆู‚ ุฃ๏ปกโ€ช= Vโ€ฌุก ๏บนโ€ช Gโ€ฌุฃุข! ๏ปกโ€ช W5C X T %โ€ฌุฃู† โ€ช C 8ATโ€ฌุง !ูˆู‚ โ€ช5โ€ฌู…โ€ฌ โ€ซุง  โ€ช Zโ€ฌุง  โ€ช W5Cโ€ฌ๏บนโ€ช 'Yโ€ฌ๏บุก โ€ช W5Cโ€ฌุง ูˆุฑ ุง  ูˆุฑุฏุช โ€ช Gโ€ฌุฑุฏ ุง ?๏ปกโ€ช W5C 8โ€ฌุขุจ ุง ?โ€ช [5โ€ฌุง โ€ช0โ€ฌ๏ปก โ€ช ุŒโ€ฌูˆุงู† ุง !ูˆู‚ โ€ชX7โ€ฌโ€ฌ โ€ซุฅ โ€ช Wโ€ฌ๏บฑโ€ช Eโ€ฌ๏ปฅ] โ€ช Xโ€ฌุงโ€ช<Oโ€ฌุงโ€ช5 8Qโ€ฌุง]โ€ช5 %โ€ฌู… ุง  โ€ช.โ€ฌโ€ฌ โ€ซูˆ๏บโ€ช %โ€ฌุง ูŠ ุฃู† ุง !ูˆู‚ <[ โ€ชTโ€ฌู„ ุง โ€ช %โ€ฌ๏ปก ุง โ€ช %C 8Qโ€ฌุงโ€ช<$โ€ฌุงุถ ๏ปฅโ€ชHโ€ฌุง 'โ€ช 8โ€ฌุง โ€ช 80โ€ฌุง  โ€ช!5 8โ€ฌูˆู‚ ๏ปกุง ุฅ โ€ชaG Wโ€ฌโ€ฌ โ€ซ๏บุจ ุงโ€ช<$โ€ฌุงุถ ุงโ€ชCโ€ฌุฑุง ๏ปกโ€ช %โ€ฌุฃ๏ปกโ€ช.Vโ€ฌโ€ฌ โ€ซูˆูŠ ุง !ูˆู‚ ูˆโ€ช XAT cGโ€ฌุง โ€ช5 80โ€ฌู… ุง  ๏บโ€ช b0โ€ฌุง ูŠ ุฑโ€ช EGโ€ฌ๏บกโ€ช Z7โ€ฌุงโ€ช<$โ€ฌุงุถ ุฅ โ€ช ูกูฅ Wโ€ฌ๏ปกโ€ช5โ€ฌู† ุฏุฑ โ€ช GOโ€ฌุฅ โ€ช Wโ€ฌุฃู† ๏บกโ€ชZ7โ€ฌโ€ฌ โ€ซุงโ€ช<$โ€ฌุงุถ ๏บโ€ช e5โ€ฌุง ู… ุง โ€ชูฅ Qโ€ฌุฑโ€ช ูกูฃโ€ฌ๏ปกโ€ช5โ€ฌู† ุฏุฑโ€ช.โ€ฌโ€ฌ โ€ซูˆุฃุข! ุง ูŠ ๏บกุต ุง !ูˆู‚ โ€ช W5Cโ€ฌุง๏บฑุงุฑโ€ช 8โ€ฌุง โ€ช hโ€ฌ๏ปกโ€ช E# Eโ€ฌุง โ€ชgโ€ฌ๏บฑโ€ช0โ€ฌุช ุงโ€ช<Oโ€ฌุงโ€ช 8Qโ€ฌุงโ€ชTjโ€ฌู‰ ูˆ  ุง <ุช ๏ปกโ€ช Eโ€ฌุง โ€ช'7โ€ฌุชโ€ฌ โ€ซุง ๏ปฅโ€ช.8โ€ฌโ€ฌ โ€ซูˆุข[ โ€ช %Cโ€ฌ๏ปฅโ€ช 8โ€ฌุง !ูˆู‚ ูˆุง โ€ช'7โ€ฌุช ุงโ€ช<$โ€ฌุงโ€ช 8Qโ€ฌุง โ€ช G c0โ€ฌ๏บ' ๏ปกโ€ชT %โ€ฌู„ ุง 'โ€ช 8kโ€ฌุง โ€ช G?5 8=0โ€ฌุงโ€ช C#Oโ€ฌ๏ปกโ€ช %โ€ฌุฃโ€ชc= #โ€ฌโ€ฌ โ€ซุง โ€ชg0โ€ฌูˆ โ€ช 8โ€ฌุงโ€ช 8C#Oโ€ฌูˆ๏ปกุฑ๏บโ€ช 8โ€ฌุง @= ูˆุง โ€ช 8 Aโ€ฌูˆู‡ ุง '!ู ุง ๏บ‰โ€ช o ' Vโ€ฌุง โ€ชgโ€ฌ๏บฑโ€ช0โ€ฌุชโ€ช.โ€ฌโ€ฌ โ€ซูˆุฃุฑ ุง ูŠ ุฅ โ€ช Wโ€ฌุฃู† ุง !ูˆู‚  ูˆ โ€ช5โ€ฌู… ุง โ€ช W5C p qโ€ฌุง ุง โ€ช W5Cโ€ฌุงุข โ€ช!Cโ€ฌุฏ ๏ปกโ€ช %โ€ฌุง โ€ช7โ€ฌุง๏บ‰ ุง  ' ๏ปกโ€ช 8C7โ€ฌ๏บฑ ๏บโ€ชhโ€ฌโ€ฌ โ€ซโ€ชjโ€ฌ๏บนุจ ุง ุฑโ€ช Eโ€ฌุง ู‰โ€ช.โ€ฌโ€ฌ โ€ซูˆ<ู„ ุง๏ปฅโ€ช Xโ€ฌ๏บฑโ€ช < Zโ€ฌุฅ]ู‚ ุง !ูˆุฑุฉ ุง โ€ช0โ€ฌุฏ๏บฑโ€ช7 8โ€ฌ๏บ‰ุฉ ุง โ€ช!C h5โ€ฌุงโ€ช rโ€ฌุง โ€ชqโ€ฌ๏ปฅ โ€ช 5โ€ฌุง  ูˆุง ุฏุฉ ูˆุง  '!ู ุฅ โ€ช E7 Wโ€ฌุง ุง]โ€ช%โ€ฌโ€ฌ โ€ซโ€ช W5Cโ€ฌุฅ<๏ปกโ€ช 8โ€ฌุง ุฑโ€ช Eโ€ฌุง ุฉ ูˆ โ€ชAโ€ฌู‡โ€ช.โ€ฌโ€ฌ


‫ا !وق ! أآ ‪!C‬د ﻡ‪ %‬ا ‪7‬اﺉ ‪# G‬ﺉة ﺱ ‪#‬وب ا  ‪٢٠٠٩ 8‬‬

‫م ا‪ \= th‬ا‪<3‬ا‪ I‬ﺡ‪! 2‬وق ا‪  !3‬وا‪ \= 8 3‬اآ‪= #‬د ‪ M‬ا<ا‪ Qs‬ا‪I3‬‬ ‫‪Qs I  ! B‬ة ﺱ‪  I3‬وب ا  )ب ا ری‪ K‬ا‪ 82‬ى م ‪.٢٠٠٩‬ﺡ‪t‬‬ ‫ﺡ‪< ٦ 2‬ا‪ M Qs‬أ ‪Qs ٢٤‬ة ‪ I‬ا ا‪b‬ي ا‪ 3%‬ﺱ‪ I3‬ﺏ!‪ v‬و‪u‬ﺱ‪ +‬ﻥ ‬ ‫ا)ردن ‪ q‬ر=ی ‪ I‬وزی ا‪ =!2‬وا‪3‬رة ا !س = ایي وﺏ‪<a‬ر‬ ‫=‪ <T‬ی =م ا‪!2‬وق ا‪ = +‬ا ي )‪  a‬ری‪ K‬اﺱ‪  i[ q=T3‬ص‬ ‫=  )ﺱ  & اده و‪ Ju‬ة ‪< w I‬اه ‪.‬‬ ‫و ف ا‪Qs‬ة إ\ ا‪ 3=l‬اف ﺏور أب ا ری‪ K‬ا‪ 82‬ة ‪Q I‬ی‪ Q‬ا‪23%l‬د‬ ‫ا ‪ I‬و‪ w+‬ا‪<a‬ء =\ أ‪ a‬ا‪E#T3‬ت وا ری‪ K‬ا رة [ ود=‪ B‬أب‬ ‫ا ری‪ K‬ا‪ 82‬ة وا ت اا=  وا < ﺏ‪ w+3‬ا‪<a‬ء =\ <اه‪ B #‬واﻥزا ‪B‬‬ ‫ود= ‪ K6< B‬ا‪23%l‬دي ‪ I‬ا)ردن و‪ I‬ا‪ B‬ا ‪.K‬‬ ‫و ‪< tS‬ﺉ‪ 8‬ا @ﺉ‪ %‬ا  ‪ %‬ﻡ‪ %‬ﺹ!وق ا ‪ 8‬وا  ' ا ا م ‪:‬‬ ‫=‪T% M‬ع ا‪3‬رة ا‪+‬ة ﺱ  ا‪ T‬اوﻥ ‪  /‬وع ‪ Tk‬وأﻥ ‪Q! T‬‬ ‫‪T%‬ع ا‪k‬ت ا‪+‬ة ر‪ .‬ی‪< 3‬ر! ا‪!+S‬ر ‪< /‬ن و ‪Q‬ات = ا‪ rs‬و=!ی‬ ‫ﺏ‪ #‬ة‬ ‫‪T%‬ع ا‪ /=!2‬وا ف ا‪ +‬أﺱ =‪#‬س ا‪ S‬دي ‪ 8  /‬ا‪<6‬ی ﺱرات‬ ‫ا‪+‬ة <اﺡ‪ y‬ﺏ !ق ‪ 8  /‬أ‪+#‬ــ و‪T‬ـــــ زات‬ ‫‪T%‬ع ا‪+‬ﺡ ‪ /‬ا‪ #= +‬ﻥ ا  ة ‪ Bk /‬ﺱﺡ‪ I‬وادي رم‬ ‫إ‪ 6‬ا\ ﺡ‪<2‬ل ا‪+‬ة [<د اﺏ< د‪++ 8  / %‬ء =\ ا‪Qs‬ة ا یدی  ری‪K‬‬ ‫ا‪Qs‬ة ﺏورات ﺱﺏ‪. E‬‬ ‫وای ﺏ‪b‬آ أن !وق ا‪  !3‬وا‪ Q  % 8 3‬م ا‪ \= th‬ا‪<3‬ا‪ I‬ﺏ‪<2‬ل‬ ‫ا ری‪ K‬ا < !‪ \= g‬أ=\ =د ‪ M‬ا<ا‪E Qs‬رﻥ ﺏ ت ا‪ %l‬ا‪ 6‬ا)[ ى‬ ‫ا ‪Qs E3‬ة ﺡ‪ t‬ﺡ‪= 2‬م ‪<٧ \= ٢٠٠٨‬ا‪ M Qs‬أ ا<ا‪ Qs‬ا ‪. E‬‬


Nashat-21