9 10 - kishankalyan.org.np · 6 cfDbfgL tkm{ qm=;+= cfo laj/)f cf=j=2073.74 cf=j=2072.073 1 ¥)fsf]...

$: 9 10 - kishankalyan.org.np · 6 cfDbfgL tkm{ qm=;+= cfo laj/)f cf=j=2073.74 cf=j=2072.073 1 ¥)fsf] Aofh cfDbfgL 45518113.00 34360305.00 2 a}saf^ Aofh cfDbfgL 1749521.24 992274.78$
1

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;=g+= gfd g=kf= jf g+= ;=g+= gfd g=kf= jf g+=

1 ejgfy n'OF6]n O6x/L 16 18 OlGb/f g]kfn O6x/L 16

2 r"8fdl0f nD;fn O6x/L 5 19 ;Ltfb]jL 9'ª\ufgf O6x/L 5

3 r"8f/fh vltj8f O6x/L 16 20 lbJoZj/f g]kfn O6x/L 16

4 uª\ufb]jL vltj8f O6x/L 16 21 b]jLk|;fb n'OF6]n O6x/L 16

5 uLtf vltj8f ;fksf]6f O6x/L 17 22 kljqfb]jL ltjf/L -

n'OF6]n_ O6x/L 16

6 ;Ltf vltj8f bfxfn O6x/L 16 23 lnnfgfy n'OF6]n O6x/L 16

7 s[i0f vltj8f O6x/L 16 24 cK;/f l3ld/] O6x/L 16

8 /Ltf vltj8f O6x/L 16 25 uf]kfn ;'j]bL O6x/L 16

9 b]jLk|;fb vltj8f O6x/L 17 26 b'uf{k|;fb vltj8f O6x/L 16

10 lnnfs'df/L vltj8f O6x/L 17 27 OlGb/f nD;fn O6x/L 16

11 zflns/fd 9sfn O6x/L 16 28 ljsf; nD;fn O6x/L 16

12 u0f]zk|;fb 9sfn O6x/L 17 29 k|ldnf nD;fn O6x/L 16

13 rGb|k|;fb ltlD;gf O6x/L 16 30 s[i0fljgf]b nD;fn O6x/L 5

14 /fhg /fpt O6x/L 16 31 hfg'sf nD;fn O6x/L 5

15 k|]dnfn g]kfn O6x/L 16 32 /f]lx0fL ;'j]bL O6x/L 16

16 ¿b|k|;fb 9'ª\ufgf O6x/L 5 33 efis/ nD;fn O6x/L 5

17 hLjgfy g]kfn O6x/L 16 34 afns'df/L lu/L O6x/L 17

3

9 ! 10

2 11

3 12

4 13

5 14

6 15

7 16

8 17

!* t'n;L/fd rf}w/L ;+=n]=;'=;=

!( ljdnf rf}w/L ;=n]=;'=;=

@) /fdaxfb'/ /fO{ ;=n]=;'=;=

4

5

6

cfDbfgL tkm{

qm=;+= cfo laj/)f cf=j=2073.74 cf=j=2072.073

1 ¥)fsf] Aofh cfDbfgL 45518113.00 34360305.00

2 a}saf^ Aofh cfDbfgL 1749521.24 992274.78

3 nufgLaf^ k|fKt Aofh 78877.89 50985.08

4 /]ld^fG; cfDbflg 178563.00 78427.00

5 lanDj z'Ns 459903.00 41542.00

6 ¥)f cfj]bgjf^ cfDbfgL 145470.00 123254.00

7 l/rfh{af^ cfDbfgL 10251.00 2693.00

8 sldzg cfDbfgL 97858.00 104609.00

9 cGo cfDbfgL 80510.58 74786.31

hDdf cfDbfgL 48319067.71 35828876.17

vr{ tkm{

qm=;+= Joo ljj/)f cf=j=2073.74 cf=j=2072.073

1 k|zf;lgs vr{

c= sd{rf/L ;DalGw vr{ 8906782.20 6363333.00

cf= ;ldlt tyf ;b:o vr{ 5834601.00 4795898.50

O= ljlQo vr{ 21442467.62 15487025.59

O{= k|zf;lgs vr{ 1130236.00 906704.71

p= tflnd tyf lzlj/ ;DalGw vr{ 585086.00 174940.00

pm= dx;'n ;DalGw vr{ 813140.00 505704.15

P= sf]z Aoj:yfkg ;DalGw vr{ 110000.00 80000.00

P]= dlxnf tyf afnaflnsf ;DalGw vr{ 38760.00 39255.00

cf]= ljljw vr{ 276313.31 264500.00

2 x|f; s \̂̂ L vr{ 679080 589360.95

ejg 196376

;Dklt ;fdfg 454227

cGo ;Dklt 28477

;DklQ las|Ldf gf]S;fgL 7663.00

hDdf vr{ 39824129.13 29206721.90

v'b art 8494938.58 6622154.27

hDdf 48319067.71 35828876.17

7

bfloTj tkm{

qm=:f+= k'+hL tyf bfloTj ljj/)f lx=g+= cf=j= 073.74 cf=j= 072.73

1 ;]o/ k'+lh 10 41858400.00 34961500.00

2 hu]*f sf]z 20 9886163.55 8187175.83

3 cGo sf]z 20-s_ 16721417.03 11053010.75

4 ljljw sf]z 20-v_ 5096963.15 3973292.56

5 lgIf]k lx;fj 30 290404787.42 242311834.20

6 afXo ¥)f 40 43402201.05 20255587.20

7 e'QmfgL lbg'kg]{ lx;fj 60 10737563.00 6813416.95

8 cGo bfloTj 70 2206691.42 1548143.62

hDdf 420314186.61 329103961.11

;Dklt tkm{

qm=:f+= ;Dklt ljj/)f lx=g+= cf=j=073.74 cf=j=072.73

1 gub df}Hbft 80 2706318.23 2852506.47

2 a}~\s df}Hbft 90 64340320.64 73861053.48

3 nufgL 100 1760757.95 1082489.66

4 ;b:o ;+u /x]sf] ¥)f 110 340240910.00 240392890.00

5 kfpg'kg]{ lx;fj 120 2891682.48 2461763.19

6 ;Dklt ;fdfg 130 8256427.31 8338110.31

7 cGo ;DkQL 140 117770.00 115148.00

hDdf 420314186.61 329103961.11

If]q kN;{ cg'kft nIo c+; x/ k|fKt

laj/)f

P=Protection -¥)f z'/If)fsf] Aoj:yf_

P1 1 jif{eGbf a(L efvf g#]sf] 100 859,244.00 859244 100

P2 1 b]lv 12 dlxgf ;Dd efvf

gf#]sf] 35

2,275,652.75 6501865 35

E=Effective financial structure-k||efjsf/L ljlQo ;+/rgf_

E1 s'n ;Dkltdf v'b ¥)f 70 80

337,106,013.00 420314186.61 80.20

E5 s'n ;Dkltdf art 70 80 290,404,787.41 420314186.61 69.09

E6 s'n ;Dkltdf afXo ¥)f 5 43,404,401.05 420314186.61 10.33

E7 s'n ;Dkltdf ;]o/ k'+hL 10 20% 41,858,400.00 420314186.61 9.96

E9 s'n ;Dkltdf ;+:yfut k'+hL 10 20% 23472683.58 420314186.61 5.58

A= Assets quality -;Dkltsf] u')f:t/_

A1 ¥)f nufgLdf efvfgf#]sf] ¥)f <5% 7361109.00 340,240,910.00 2.16

A2 s'n ;Dkltdf gsdfpg] ;Dklt <5% 13,855,148.02 420314186.61 3.30

R=Rate of return-nufgLdf k|ltkmn_

8

R1 cf};t ¥)fdf s'n Aofh

cfDbfgL ahf/ b/

45978016

290,316,900.00 15.84

R5 cf};t art / jfXo ¥)fdf

Aofh vr{ ahf/ b/

20356523.62 298187204.93

6.83

R7 cf};t ;]o/df nfef+; b/ ahf/ b/ 2,868,273.00 34,961,500.00 9.00

R9 cf};t ;Dkltdf ;`rfng vr{ <5% 18241454.68 374,709,073.86 4.87

R12 cf};t ;Dkltdf v'b cfDbfgL slDtdf 10% 8377888.58 374,709,073.86 2.24

L=Liquidity -t/ntf_

L1 artdf t/n ;Dklt 15% 67,046,638.87 290,404,787.41 23.09

L3 s'n ;Dkltdf gsdfpg] t/n

;Dklt <1% 2,706,318.23 420314186.61 0.64

S= Sign of growth

S10 ;b:o a[l$b/ 12% 1080.00 6453 16.74

S11 ;Dklt a[l$b/ d'b|f l:kmlt

b/ 1,210,225.50 329103961.11

27.71

hDdf dlxnf k'?if ;+:yfut

7533 4725 2808

9

www.kishankalyan.org.np)

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Western union

LIC

13

14

@=^ afx\o jftfj/0f ljZn]if0f

afXo jftfj/0f (MPEST Analysis)

@=^=! Afhf/sf] :j¿k -Market profile) @=^=@ /fhg}lts kl/l:ylt - Political situation) @=^=# cfly{s cj:yf ( Economic Condition) @=^=$ ;fdflhs d"No dfGotf ( Social Norms) @=^=% k|ljlw tyf ef}lts ljsf;sf] cj:yf (Technology and physical development)

@=^=! ahf/sf] :j¿k

sfo{ If]q M ;+:yfsf] ;fljssf] sfo{If]qdf xfn g]kfn ;/sf/n] k'g;+/rgf u/] kZrft

Ps pkdxfgu/kflnsf, ltg gu/kflnsf / Ps ufpFkflnsfsf p6f jf8{ /x]sf] 5 .

xfnsf] ;+:yfsf] sfo{If]q lgDgfg';f/ /x]sf] 5 .

!= O6x/L pkdxfgu/kflnsf

@= /fdw'gL gu/kflnsf

#= a/fx gu/kflnsf

$= Og?jf gu/kflnsf

%= u9L ufp

s'n hg;ª\Vof M /fli6o tYofª\s ljefusf] @)^* hgu0fgf cg';f/

xfnsf] ;+:yfsf] sfo{If]q leqsf] s'n hg;ª\Vof #!!@($ /x]sf] 5 . s]xL jif{b]lv

o; 7fp F

pd]/ut hg;ª\Vof jlu{s/0f M ;+:yfsf] sfo{If]q leq /x]sf] hg;ª\Vofsf]

pd]/ut ;Gt'ng lgDgfg';f/ /x]sf] 5 . -/fli6o hgu0fgf @)^* cg';f/_

15

hg;~\Vofsf] pd]/ut ljefhg

qm=;+= sfo{If]q

hg;~\Vof

hDdf

0 b]lv

09

10

b]lv

19

20

b]lv

29

30

b]lv

39

40

b]lv

49

50

b]lv

59

60

b]lv

69

69

dfly

1 O^x/L 25300 32529 27117 21460 14492 9388 6033 4198 140517

2 /fdw'gL 10679 14178 9649 7932 6538 4763 3326 1915 58980

3 Og?jf 6188 8204 5487 4954 3943 2764 1697 1239 34476

4 a/fx 13546 17003 10699 8433 7084 5814 4138 2984 69701

5 u(L 1319 1703 1446 1187 849 544 359 213 7620

hDdf 57032 73617 54398 43966 32906 23273 15553 10549 311294

hg;~\Vof

0 b]lv 09

10 b]lv 19

20 b]lv 29

30 b]lv 39

40 b]lv 49

50 b]lv 59

0

5000

10000

15000

20000

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30000

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O^x/L /fdw'gL Og?jf a/fx u(L

0 b]lv 09

10 b]lv 19

20 b]lv 29

30 b]lv 39

16

n}ª\lus cj:yf M ;+:yfsf] sfo{If]q leqsf] hg;ª\Vofsf] n}ªl\us ;Gt'ng

lgDgfg';f/ /x]sf] 5 -/fli6o hgu0fgf @)^* cg';f/_

n}~\lus ljefhg, #/w'/L / cf};t kl/jf/ ;~\Vof

qm=;+ sfo{If]q s'n hg;~\Vof k'?if dlxnf w/w'/L

cf};t kl/jf/

;~\Vof n}l~\us cg'kft

1 O^x/L 140517 66566 73951 33794 4.27 89.78

2 /fdw'gL 58980 27526 31454 12931 4.56 87.21

3 Og?jf 34476 16955 17521 7590 4.46 92.54

4 a/fx 69701 31870 37831 16081 4.32 84.28

5 u(L 7620 3722 3898 1549 4.92 95.48

311294 146639 164655 71945 4.51 89.86

hftLo ;Gt'ng M ;+:yfsf] sfo{If]q leqsf] hg;ª\Vofsf] hftLo ;Gt'ng lgDgfg';f/

/x]sf] 5 . -/fli6o hgu0fgf @)^* cg';f/_

hfltut ljefhg

qm=;+= sfo{If]q

hg;~\Vof hDdf a|fx\d)f If]qL hghflt cflbjf;L blnt cGo d'l:nd

1 O^x/L 23869 23693 62713 5803 16068 3782 4589 140517

2 /fdw'gL 5941 6878 27477 4298 11278 1126 1982 58980

3 Og?jf 7230 3326 5407 4846 10906 1072 1689 34476

4 a/fx 7779 17017 30685 2969 8893 2020 338 69701

5 u(L 297 15 5038 254 671 72 1273 7620

hDdf 45116 50929 131320 18170 47816 8072 9871 311294

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k'?if

dlxnf

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hg;ª\Vofsf] z}lIfs cj:yf M ;+:yfsf] sfo{If]q leqsf] hg;ª\Vofsf] z}lIfs cj:yf

lgDgfg';f/ /x]sf] 5 M

hg;~\Vofsf] z}lIfs :t/

qm=;+= sfo{If]q

5 jif{ jf ;f]eGbf dflysf] hg;~\Vof

k(\g /

n]Vg ;Sg]

k(\gdfq

;Sg]

k(\g /

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gv'n]sf] hDdf

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b/

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16

hghftL

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blnt

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cGo

3 hftLo ljljwtf

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a|fx\d)f

If]qL

hghftL

cflbjf;L

blnt

cGo

d'l:nd

18

1 O^x/L 99845 2661 26855 48 129409 72.91

2 /fdw'gL 35708 1054 17490 11 54263 65.91

3 Og?jf 24208 668 6911 28 31815 73.57

4 a/fx 45098 1388 17349 18 63853 70.69

5 u(L 4475 118 2439 9 7041 63.56

hDdf 209334 5889 71044 114 286381

k(\g / n]Vg

;Sg]

73

k(\gdfq ;Sg]

2

k(\g / n]Vg

g;Sg]

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:t/

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hg;~\Vof 5 jif{eGbf dfly

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k(\gdfq ;Sg]

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k|lt:kwL{x¿sf] cj:yf M

ls;fg sNof0f art tyf C0f ;xsf/L ;+:yfn] lgDgfg';f/sf a}ª\s tyf

ljlQo ;+:yf / ;xsf/Lx¿;+u k|lt:kwf{ ul/ cfkm\gf] ;]jf Joj;fo ug'{ kg]{5 .

!_ a} \s tyf ljQLo ;+:yfx¿sf] ;ª\Vof

afl0fHo a}ª\sx¿ -@^ j6f_ lasf; a}ª\s¿ -!* j6f_

s_ a}ª\s ckm sf7df8f}

s_ ;fª\lu|nf ljsf; a}ªs

v_ ldt]/L ljsf; a}ª\s ln=

u_ ;'lk|d ljsf; a}ª\s ln=

3_ 6'l/hd ljsf; a}ª\s ln=

ª_ Ace lasf; a}ª\s ln=

r_ olt ljsf; a}ª\s ln=

5_ l/nfPjn ljsf; a}ª\s ln=

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em_ b]jf ljsf; a}ª\s ln=

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t_ lejf]/ ;f];fOl6 ljsf; a}ª\s ln=

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kmfOgfG; sDkgLx¿ -#! j6f_ n3'ljQ a}ª\s -@% j6f_

s_ g]kfn kmfOgfG; ln= s_ lgw{g pTyfg n3'ljQ a}ª\s ln=

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v_ o'lgog kmfOgfG; ln=

u_ klZrdfGrn kmfOgfG; sDklg ln=

3_ u'8ljn kmfOgfG; ln=

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r_ n'lDagL kmfOgfG; PG8 lnlhª sDkgL ln=

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@=^=@ /fhg}lts kl/l:ylt

o; ;+:yfsf] sfo{ If]qleq ljz]if u/]/ g]kfnL sfª\u|];, g]skf Pdfn], =g]skf dfcf]jfbL s]Gb|, ;+3Lo

;dfhafbL kmf]/d, dw];L hgclwsf/ kmf]/d -nf]stflGqs_, /fli6«o k|hftGq kf6L{, /fli6«o hgtf kf6L{ cflb

lqmofzLn 5g\ .

@=^=#= cfly{s cj:yf M d'n'ssf] ;du| cfly{s ultljlwnfO{ /fli6«o tYofª\s ljefusf]

cfly{s ;j]{If0fnfO{ cfwf/ dfg]/ lgDg cg';f/ ljZn]if0f ul/Psf] 5 M

/f]huf/L M rfn' cfly{s jif{sf] cfly{s j[l4af6 /f]huf/L j[l4b/ # k|ltzt eGbf a9L

x'g] cg'dfg ul/Psf] 5 . rfn' jif{sf] k|yd cf7 dlxgfdf >d :jLs[lt lnO ! nfv

*^ xhf/ ! ;o ^^ hgf j}b]lzs /f]huf/Ldf uPsf 5g\ . tflnd k|fKt j}b]lzs

/f]huf/Ldf hfg] >dzlQm @$=% k|ltzt /x]sf] 5 .

d'b|f :kmLlt M cfly{s jif{ @)&#÷)&$ df d'b|f:kmLlt b/ ut s]xL jif{ otfs} Go"g

/x]sf] 5 . rfn" aif{sf] k|yd * dlxgfdf cf}ift d'b|f:kmLlt b/ %=! k|ltzt 5 .

cl3Nnf] aif{sf] ;f]xL cjlwdf o:tf] d'b|f:kmLlt b/ (=& k|ltzt /x]sf] lyof] . s[lif

pTkfbgdf j[l4 / ;du| cfk'lt{ Joj:yfdf cfPsf] ;'wf/sf sf/0f d'b|f:kmLlt Go"g

/x]sf] xf] . rfn" cfly{s aif{sf] k|yd * dlxgfdf vfB d'b|f:kmLlt b/ )=$ k|ltztn]

C0ffTds 5 eg] u}/ vfB d'b|f:kmLlt %=^ k|ltzt /x]sf] 5 . ut jif{sf] ;f]xL

cjlwdf oL d'b|f:kmLlt b/ qmdzM !)=# k|ltzt / !)=@ k|ltzt /x]sf] lyof] . If]qut

cfwf/df sf7df8f}df pkef]Qmf d'b|f:kmLlt b/ !=( k|ltzt, kxf8df %=( k|ltzt,

lxdfndf #=& k|ltzt / t/fO{df @=* k|ltzt /x]sf] 5 .

k|lt JolQm cfo M cfly{s jif{ @)&#

22

s'n pTkfbg M rfn" cfly{s aif{ @)&#.&$ sf] s'n

/fli6«o Jofkf/ M cfly{s aif{ )&#.&$ sf] k|yd * dlxgfdf s'n j:t' lgof{t !@=*

k|ltztn] j[l4 eO{ ?= $* cj{ @@ s/f]8 k'u]sf] 5 . ;f]xL cjlwdf s'n j:t' cfoft

$$=@ k|ltztn] j[l4 eO{ ? ^ va{ @* ca{ %^ s/f]8 k'u]sf] 5 . cl3Nnf]

aif{sf] ;fxL cjlwdf j:t' lgof{t / cfoftsf] j[l4b/ C0ffTds lyof] . kmn:j?k

rfn" aif{sf] * dlxgfdf s'n Jofkf/ 3f6f $&=^ k|ltztn] a9]/ ? % va{ *)

ca{ #$ s/f]8 k'u]sf] 5 . k'glg{df{0fn] ult lnPsf], ;/sf/sf] k'FhLut vr{df j[l4,

gLlh If]qdf shf{ lj:tf/ nufotsf sf/0fn] cfoft pRr b/n] a9]sf] xf] .

/fli6o ah]6 M cfly{s jif{ @)&#÷)&$ sf nfuL ljlgof]lht ah]6 ?=!) va{ $*

cj{ (@ s/f]8 dWo] k|yd cf7 dlxgf;Dddf ?=$ va{ !^ s/f]8 vr{ ePsf] 5 . o;

dWo] rfn' vr{ ?=@ va{ (# ca{ $@ s/f]8, k'FhLut vr{ ?=^& cj{ *# s/f]8 /

ljQLo vr{ ?=#* cj{ (! s/f]8 /x]sf] 5 . s'n vr{df rfn' vr{, k'FhLut vr{ /

lJfQLo vr{ cg'kft &#=#@ k|ltzt, !^=(% k|ltzt / k'FhLut vr{ (=&# k|ltzt 5 .

utjif{sf] ;f]xL cjlwsf] t'ngfdf rfn' vr{ $*=@ k|ltzt / k'FhLut vr{ !$*

k|ltztn] a9L xf] .

;|f]tM cfly{s ;j]{If0f @)&#.&$, /fli6«o tYofª\s ljefu .

@=^=$= ;fdflhs d"No dfGotf

;+:yfsf] sfo{ If]qdf a;f]af; ug]{ cfd dflg;x¿sf] ;flassf] /xg;xgdf t'ngfTds ¿kn]

x]bf{ ;fdflhs d"No / dfGotfdf yk hl6ntfx¿ a9\b} uO/x]sf 5g\ . xfd|f jl/kl/sf cf:yfsf

j:t'x¿ -d7dlGb/_ ef}lts ¿kdf ;+/rgf lgdf{0fdf k|lt:kwf{ ug]{ xf]8afhL rln/x]sf] 5 eg]

;fdflhs sfo{x¿df grflxg] t8se8ssf ultljlwx¿ tLj| j[l4 x'Fb} 5g\ .

Dfflg;sf] b}lgs vfgkfg, cfxf/ ljxf/, lbgrof{ lbg k|lt lbg abln/x]sf 5g\ . dfG5]

cfkm\gf] b}lgs Jojxf/ wfGg / hLjg:t/ yk ;'wf/ ug{sf nflu a9L cfTd s]lGb|t aGb} 5 . w]/}

dflg;x¿df lg:jfyL{ efjgf sd xF'b} cfPsf] b]lvPtfklg JolQmut ¿kdf cfly{s vfFrf] /

3/fo;L ;d:ofaf6 d'lQm kfpg] cfzfdf ;xsf/Lsf] ;b:otf lng] qmd eg] a9\bf] 5 . ;xsf/Lsf]

C0faf6 ;]jf Joj;fo k|a4{g ug]{ eP klg cf/fdbfoL sfd / ;]jfsf] nflu C0f dfu u/L

;+:yfaf6 lnPsf] C0f pTkfbgd"ns sfo{lt/ guO{ cg'Tkfbs sfo{df a9L nufgL eO/x]sf] cj:yf

5 .

23

@=^=%= ljsf; lgdf{0f / k|ljlw

;+:yfsf] sfo{ If]q leqsf ;a} :yfgLo txdf kSsL ;8s ;'ljwf 5 . sfo{If]qsf ;a}

e"efudf /fli6«o k|;f/0f nfOgsf] ljB't\ ;]jf pknAw 5 . t/ ;'Vvf df};ddf x'g] nf]8;]l8ªsf

sf/0f :yfgLo :t/df :yfkgf / ;~rfng ug{ ;lsg] 3/]n' pBf]u ;'rf? ¿kn] ;~rfng ug{

g;Sbf /f]huf/L l;h{gf x'g ;ls/x]sf] 5}g . pknAw ;8s ;'lawf / ljB't\ ;]jf clwstd k|of]u

u/L ;;fgf n3' Joj;fosf ;fy} /fli6«o k|;f/0f nfOgn] g;d]l6Psf :yfgdf ljz]if Joj:yf u/L

:yfgLo sRrf kbfy{af6 pTkfbg x'g] 3/]n' pBf]usf] :yfkgf eP /f]huf/L l;h{gf eO{ l;lh{t

/f]huf/Laf6 ;xsf/L ;+:yfsf] art cleofgdf yk 6]jf k'Ug ;Sg] b]lvG5 . ;+:yfnfO{ ;xsf/Lsf]

cGt/f{li6«o ;~hfndf ;dflxt x'g OG6/g]6 ;]jfsf] ;xh kx'Frn] ;'ud t'NofPsf] 5 . k|ljlwdf

cfPsf] cfzftLt kl/jt{gn] ;+:yfsf sfo{qmdx¿ ;]jfu|fxL ;b:ox¿ aLr k|:t't ug{ ;xh ePsf]

5 . @) aif{sf] nfdf] cl:y/tf / hgk|ltlglwljxLgtfaf6 :yfgLo txx¿ d'Qm ePsf 5g\ . o;

aLrdf x'g g;s]sf ef}lts ljsf; lgdf{0fsf sfo{x¿n] tLj|tf kfpg] ;'lglZrt 5 . To;/L

;~rfng x'g] ef}lts lgdf{0f sfo{df k'FhLut vr{ a9\g' :jfefljs 5 . k'FhLut vr{ a9];Fu} sRrf

kbfy{sf] ljlqm ljt/0f tyf bIf / cbIf sfdbf/n] kfpg] /f]huf/Lsf sf/0fn] ljQLo ahf/df gub

k|jfx :jtM a9\g] b]lvG5 . To; cj:yfdf ;+:yfn] cfˆgf art pTkfbgx¿sf] ;3g ahf/Ls/0f

ug{ ;s]df k|z:t art÷lgIf]k ;ª\sng ug{ ;Sb5 .

@=& SWOT ljZn]if0f

;jntf tyf ;'wf/ ug'{kg]{ kIf -cfGtl/s jftfj/l0fo kl/j]z_

!= ljQLo l:ylt

If]q ;an kIf ;'wf/ ug'{kg]{ kIf

z]o/ -(=(^ _ !) k|ltzt eGbf sd x'g'

;+:yfut k' -%=%* _ % k|ltzt eGbf a9L x'g' !) k|ltzt k'/\ofpg g;Sg'

art -^(=)( _ &) k|ltzteGbf sd x'g'

afXo C0f -!)=## _ % k|ltzt eGbf a9L x'g'

t/ntf -@#=)( _ !^ k|ltzt eGbf dfly x'g'

z'4 C0f nufgL -

*)=@) _

*) k|ltzt x'g'

efvf gf3]sf] C0f

-@=!^ _

% k|ltzt eGbf sd x'g'

Gfsdfpg] ;DklQ

-#=#) _

% k|ltzt eGbf sd x'g'

24

s'n ;DklQsf] j[l4 -

@&= _

d'b|f l:kmltsf] b/ -%=!_ eGbf

a9L x''g'

;~rfng vr{ -$=*& _ % k|ltzt eGbf sd x'g'

cf}ift C0fdf s'n Aofh

cfDbfgL -!%=*$ _

ahf/b/ eGbf a9L x''g'

cf}ift art / afx\o

C0fdf Aofh vr{ -

^=*# _

ahf/b/ a/fa/ x'g'

Vf'b d'gfkmf -@=@$ _ !) k|ltzt k'/\ofpg g;Sg'

Aofhb/ ahf/ b/ cg';f/ k|lt:klw{ x'g'

v/fa C0fsf] ;'/If0f

Joj:yf

kof{Kt dfqfdf x'g' -!

dlxgfb]lv !@ dlxgf;Dd efvf

gf3]sf] #% _

-!@ dlxgfeGbf a9L efvf

gf3]sf] !)) _

@= pTkfbg tyf ;]jf


pTkfbgdf ljljwLs/0f w]/} k|sf/sf ljQLo

pTkfbgx? Kf|of]udf Nofpg' .

;j} pTkfbgx? ;dfg ?kdf

laqmL ug{ g;Sg'

d"Nosf] k|efj d"Nosf] k|efj ;fdfGo /xg' .

pTkfbg tyf ;]jfsf pks/0f pRr k|lt:kwL{ pks/0fx?

k|of]udf Nofpg' .

#= ahf/sf] cj:yf


;b:otf ($!@ x'g' , ;fy} jflif{s

j[l4 !@ k|ltzteGbf a9L

x'g' .

k|lt sd{rf/L

pTkfbsTj %)) k'/\ofpg

g;Sg' .

#) k|ltzt k'/\ofpg g;Sg'

;+:yfsf] ;d'bfodf 5lj ;b:o tyf ;d'bfo ;+:yf

k|lt ;sf/fTds x'g' .

25

$= dfgj ;+;fwg


;~rfnssf] 1fg ;Lk / Ifdtf ;~rfnsx? cg'ejL / bIf

sd{rf/Lsf] l:ylt kl/eflift lhDd]jf/L

sd{rf/Lsf] 1fg ;Lk tyf wf/0ff cWoogzLn,

k|ljlwd}qL, ;sf/fTds ;f]r

/ ;+:yfk|ltsf] ckgTj pRr

Joj:yfksLo ;Lk k|ljlwsf]

pkof]u

/fd|f] Joj:yfksLo ;Lk /

k|ljlw k|of]udf bIf

;]jf ;'ljwf k|lt:kwL{ ;]jf ;'ljwf

Tfflndsf] cj:yf ;a} ;~rfns tyf sd{rf/L

tflnd k|fKt

ljQLo ahf/df cfpg]

r'gf}lt;Fu ;fdgf ug]{ Ifdtf

ljsf; ug'{kg]{ .

%= cfGtl/s Jofj;flos k|lqmof / ef}lts ;+/rgfsf] cj:yf


gLltsf] cj:yf :ki6 gLltsf] cj:yf

/0fgLlts of]hgfsf

cfwf/df ;+:yf ;~rfng

sfo{ljlwsf] cj:yf ;~rfng k|0ffnLdf Ps?ktf Nofpg

sfo{ljlwsf] k|of]u

;~rf/ tyf ;"rgfsf]

cj:yf

k|efjsf/L ;"rgf k|0ffnLsf] ljsf; .

Eff}lts ;+/rgfsf]

cj:yf

cfkm\g} ejgaf6 sf/f]jf/

-d'sfd_

;'/lIft

/ ;'ud :yfgdf ;]jfs]Gb|x¿ ;~rf

ng

sfof{no ejg lj:tf/

ug'{kg]{ .

sfof{no

Joj:yfkgsf] cj:yf

ljefuLo ;+/rgfdf sfof{no

Joj:yfkg .

ljefuLo ;+/rgfnfO{ k|efjs

f/L 9ª\uaf6 ;~rfng

ug'{kg]{ .

sfof{no ;fdu|L tyf

kmlg{r/

cfjZostfcg';f/

sfof{noLo ;fdu|L tyf kmlg{r/sf]

Joj:yf .

26

;an kIf

Strengths

;'wf/ ug'{kg]{ kIf

Weakness

cj;/x¿

Opportunities

r'gf}tLx¿

Threats

cj;/ tyf r'gf}tltx¿ -jfx\o jftfj/l0fo kl/j]z_

!=Afhf/sf] :j¿k

@=/fhg}lts

kl/l:ylt

#= cfly{s cj:yf

$= ;fdflhs d"No

dfGotf

%= k|ljlw tyf

ef}lts ljsf;sf]

cj:yf

27

28

GNP Gross National Profit GDP Gross Domestic

Product

29

F

F

F F

F

F F F

F

F

F F

F

30

F

– F

F

F

F

F

dflysf sfo{ef/nfO{ lgDgfg';f/ a'Fbfut ¿kdf pNn]v ug{ ;lsG5 .

;+:yfnfO{ k'0f{ k|ljlw o'Qm agfO{ l56f], 5l/tf] / u'0f:yl/o ;]jf

k|bfos ;+:yfsf] ?kdf :yflkt ug]{ .

dfgj ;+;fwnfO{ ;do ;fk]If bIf / k|lt:klw{ agfO ;+:yfdf k'0f{ ?kdf :j–lgolGqt

Aoj:yfkg k|0ffnLsf] ljsf; ug]{ .

ljlQo tyf u}/ ljlQo ;]jfnfO{ yk Aojl:yt agfO{ ;d'bfonfO ;+:yf k|ltsf] ckgTjdf

yk a[l4 ug]{ .

;+:yfsf] ljlQo ;'rsfª\sx?nfO{ :tl/o cg'kftdf /fVgnfO{ cfjZos gLltut Joj:yf

ug]{ .

31

;+:yfn] k|of]u ub}{ u/]sf] PS;]; a|fl08ª sfo{qmdnfO yk ;'wf/ ub}{ l;Ne/ tyf uf]N8

d]8n Nofpg cfjZos ljlQo ;+/rgfnfO{ :tl/o cg'kftdf /fVg' / u}/ ljlQo ;]jfnfO

yk Aojl:yt agfO{ ;~rfng ug]{ .

;+:yfsf pTkfbgx¿nfO{ ;b:ox¿sf] cfjZostfdf yk s]lGb|t agfpg] .

;+:yfsf] ef}lts k'jf{wf/ ljsfz u/L km/flsnf] :yfgaf6 ;]jf k|bfg ug]{ .

;]jfs]Gb|x

32

cg'Tkfbs vr{ 36fO{ ;b:ox¿df art ug]{ afgLsf] ljsf; ug]{ .

;b:ox¿sf] cfly{s, ;fdflhs, ;f+:s[lts tyf kof{j/0fLo ljsf;df ;xof]u ug]{ .

33

;b:ox¿nfO{ Joj;foL aGg clek|]l/t ug]{ .

;b:ox¿df pBdzLntfsf] ljsf; ug]{ .

;b:ox¿df g]t[Tj Ifdtf ljsf; ug]{ .

k|lt:kwL{ / k"0f{ kf/bzL{ ;+:yf ;~rfng ug]{ .

;fdflhs ;'/Iff / u}/ljQLo sfo{qmdnfO{ Jojl:yt ¿kdf ;~rfng ug]{ .

cfw'lgs k|ljlwsf] k"0f{ pkof]u ug]{ .

;b:ox¿sf] ;jf{ª\lu0f ljsf;sf nflu gjLg sfo{x¿sf] vf]hL ug]]{ .

;]o/ k'FhL !) b]lv !% k|ltzt /fVg] .

;+:yfut k'FhL & k|ltzt k' ofpg] .

art lgIf]k s'n ;DklQsf] &^=( k|ltzt k' ofpg] .

C0f nufgLnfO{ s'n ;DklQsf] 79=71 k|ltzt k' ofpg] .

C0f ;'/If0f sf]z Joj:yf cfjZostf c'g;f/ .

;~rfng vr{ $ k|ltzt eGbf sd ug]{ .

cGo kN;{ ;"rsfª\sx¿ :t/Lo cg'kftdf /fVg] .

;xsf/L lzIff -!@)) hgf_, ;Lk ljsf; tflnd -!)) hgf_ / cGo tflnd

uf]i7Ldf -!%) hgf_ ;xefuL u/fpg] .

;fdflhs ;'/Iff / u}/ljQLo sfo{qmdx¿ ( j6f ;~rfng ug]{] .

! gLlt / @ sfo{ljlw lgdf{0f ug]{ .

* j6f gLlt k'g/fjnf]sg ug]{ .

34

(corporate structure

35

36

290,404,787.41

340,240,910.00

37

340,240,910.00 sf]

2=16 k|ltzt /x]sf]df o; of]hgfsf] cGTo ;Dddf s'n nufgLdf /xg] ¥)f /sd ?=

38

1,760,757.95

39

steplizer

40

LIC

LIC

41

42

43

44

45

46

lqjlif{o l:ylt ljj/)F ;DkQL tyf hfobft 2074.075 Ratio 2075.076 Ratio 2076.077 Ratio

1 gub 5198693.04 0.87 7018235.61 0.87 9474618.07 0.87

2 a}~\s 94611769.97 15.77 131725889.46 16.27 185329950.77 16.95

3 ¥)f nufgL 478116042.03 79.71 641456656.73 79.22 858466486.59 78.53

4 ljlQo nufgL 1972837.41 0.33 2663330.50 0.33 3595496.17 0.33

5 kfpg'kg]{ lx;fj 4486563.41 0.75 6056860.61 0.75 8176761.82 0.75

6 :yL/ ;DklQ 15406063.27 2.57 20798185.41 2.56 28077550.31 2.57

hDdf 599791969.13 100 809719158.32 100 1093120863.73 100.00

k'hL tyf bfloTj 2074.075 Ratio 2075.076 Ratio 2076.077 Ratio

1 z]o/ 63717300.00 10.62 86018400.00 10.62 116124800.00 10.62

2 sf]z 47706599.49 7.95 66113863.74 8.17 107103756.82 9.80

47

3 art 461213317.83 76.9 614177979.63 75.85 804840271.74 73.63

4 afXo ¥)f 16915807.67 2.82 29836340.36 3.68 37279059.48 3.41

5 e'QmfgL lbg'kg]{ 7417452.39 1.24 9763560.73 1.21 22630806.98 2.07

6 cGo bfoLTj 2821491.75 0.47 3809013.86 0.47 5142168.71 0.47

HfDdf 599791969.13 100 809719158.32 100 1093120863.73 100.00

lqjlif{o cfo Jofo ljj/)f

cfly{s jif{ -Fiscal Years )

ljj/)f 2074.075 2075.076 2076.077

s

Aofh cfDbfgL

¥)f nufgLaf^ Aofh cfDbfgL 61387151.58 83169020.66 111744427.90

a}~\s Aofh cfDbfgL 2021977.42 2829220.74 3963198.00

lalQo nufgL af^ Aofh cfDbfgL 231532.92 285446.72 350353.07

hDDff Aofh cfDbfgL 63640661.92 86283688.12 116057978.97

v

Aofh vr{

artdf Aofh vr{ 28890746.00 40327173.65 53213184.43

jfXo ¥)fdf Aofh vr{ 2635571.87 4207693.32 6040385.99

hDdf Aofh vr{ 31526317.87 44534867 59253570

u v'b Aofh cfDbfgL -s v_ 32114344.05 41748821.15 56804408.55

#

cGo ;`rfng cfDbfgL

sld;g tyf l*:sfp)^ 128232.46 173113.82 225047.97

cGo cfDbfgL 263084.65 355164.28 461713.56

hDdf ;`rfng cfDbfgL 391317.11 528278.10 686761.53

~ ;`rfng vr{ 21477334.13 25190222.55 32056800.44

v'b ;`rfng cfDbfgL -# ~_ -21086017.02 -24661944.45 -31370038.9

v'b art 11028327.03 17086876.70 25434369.64

@= ;b:o b[li6sf]0f

lqjlif{o ;b:o j[l$ ljj/)f

;b:o 2074.075 2075.08 2076.077

;]o/ ;b:o 9040 10848 13018

afn ;b:o 1681 2034 2441

h]i&gful/s ;b:o 672 1008 1512

11394 13890 16971

48

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