Sostegno alle microimprese - VII Programma 266 2011

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9

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Dflm~~lyd Wl wdw~mvvhkkd qvldvl~hvlhbmk~m% gdk em bdnhel~á nmilkl~m lk wmnm nl fhknd% em h~~lyl~á nl

qvdn}sldkm m gdbbmvglhelsshsldkm nme ~mwwlem% kdkgjì eh gdbbmvglhelsshsldkm nl oldgjl m oldgh~~del



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Ghqdnlbdk~m

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gdkgmvkm e“hk~lgd fdvod nl Ghqdnlbdk~m ‗ wl q}k~h h qvdb}dymvm m w}qqdv~hvm qvdn}sldkl hv~lolhkhel

nl mggmeemksh *eh gmvhblgh,% hkgjm lk gdkwlnmvhsldkm nmeeh qvmwmksh nmee“lw~l~}~d Qvdimwwldkhem nl

W~h~d qmv e“Lkn}w~vlh m e“Hv~lolhkh~d nmeeh Qdvgmeehkh m nmeeh Gmvhblgh ―Oldyhkkl Ghwmeel‒% kh~d gdk

}kh blwwldkm wqmglilgh3 qvdb}dymvm% w~}nlhvm m ~}~mehvm eh ~vhnlsldkm gmvhblgh nme ~mvvl~dvld%

vlehkglhknd% lk qhv~lgdehvm% eh qvdn}sldkm nmeeh qdvgmeehkh

Dflm~~lyd Wl wdw~mvvhkkd qvldvl~hvlhbmk~m% gdk em bdnhel~á nmilkl~m lk wmnm nl fhknd% em h~~lyl~á nl

qvdn}sldkm m gdbbmvglhelsshsldkm nmeeh gmvhblgh

V}h Gh~hehkh

L qvdnd~~l nmoel hv~lolhkl nme imvvd m nml eh~~dklmvl vhqqvmwmk~hkd eh ~vhnlsldkm nl V}h Gh~hehkh Vmhe~áylyh% qmvmkkmbmk~m hklbh~h nhee“heemw~lbmk~d nl wg}e~}vm lnmh~d nh Vlgghvnd Nhelwl% ilo}vh w~dvlgh

nmee“hv~m qdymvh% em g}l ghiim~~lmvm khqdem~hkm lk eh~~h m bm~heed wdkd mwqdw~m kme B}wmd Hemwwl m

kmeeh Qmvbhkmk~ Nmwlok Gdeemg~ldk nme BDBH nl Km \dv`

Eh sdkh ê ylglkh heem bm~m ~}vlw~lgjm qlü lbqdv~hk~l nme Gmk~vd W~dvlgd% bh lkwmvl~h lk }k“hvmh gdk }k

he~d ovhnd nl nmovhnd }vfhkd m wdglhem% nl g}l yh yhedvlssh~h eh qvdn}sldkm

Dflm~~lyd Wl wdw~mvvhkkd qvldvl~hvlhbmk~m% gdk em bdnhel~á nmilkl~m lk wmnm nl fhknd% em h~~lyl~á

hv~lolhkhel nme imvvd m nmeeh eh~~h+

Y lh Whk Wmfhw~lhkd% Whk Qlm~vd h Bhlmeeh% Qdv~“Hefh % Qlhssh Fmeelkl% Qlhssh Nhk~m

E“hvmh ê nmelbl~h~h h mw~ nh Qdv~/Hefh m Qlhssh Fmeelkl% hn dymw~ nh qlhssh Nhk~m M“ gdkkd~h~h nheeh

qvmwmksh nl ghwm mnl~vlgl m w~dvlgjm elfvmvlm Kmee/mz gdkymk~d nml Gmemw~lkl% hkkmwwd heeh gjlmwh

od~lgh nl Whk Qlm~vd h Bhcmeeh% jh wmnm nhe 8:69 le Gdkwmvyh~dvld% m eh sdkh ê wmnm nl qvdn}sldkm m

gdbbmvglhelsshsldkm nl w~v}bmk~l b}wlghel% vhqqvmwmk~hknd }kd nml e}dojl wlbfded nmeeh gl~~á% vlggh

nl w~dvlh m bdk}bmk~l


gdbbmvglhel m nl qvdn}sldkm emoh~m heem ilelmvm nme elfvd m nmeeh b}wlgh+

W+ Ovmodvld Hvbmkd% ylh ^vlf}khel% ylh Hk~lghoelh% Ylh N}dbd

]k“hvmh gjm gdlkglnm gdk eh qhv~m hk~lgh% ovmgd"vdbhkh% nme gmk~vd w~dvlgd nl Khqdel% ~vh e“he~vd olá

vlgdkdwgl}~h nhee“]KMWGD x}hem Qh~vlbdkld Bdknlhem nmee“]bhkl~á

W Ovmodvld Hvbmkd% Wqhgghkhqdel% Ylh ^vlf}khel% Ylh Hk~lghoelh m em vmeh~lym hv~mvlm nl

gdeemohbmk~d ~vhgglhkd l e}dojl nmeeh ~vhnlsldkhem m wmbqvm ylyh hv~m qvmwmqlhem% gdk }kh vlemyhksh



81

lk~mvkhsldkhem m }k“hoovmohsldkm nl qlggdem lbqvmwm wqmwwd h gdkn}sldkm ihblelhvm% }kh

~vhwblwwldkm nmeem gdbqm~mksm lk fd~~moh% gdk e“lkghqhgl~á% he ~mbqd w~mwwd% nl b}dymvwl he nl i}dvl

nl edolgjm bmvhbmk~m lknlyln}hel

E“hvmh ê gjl}wh hn mw~ nhee“hv~mvlh nl ylh N}dbd% gdk }kh vhnlgh~h ~vhnlsldkm m g}e~}vh gdbbmvglhem%

emoh~h heeh qvdn}sldkm% he vmw~h}vd m he gdbbmvgld nl hfl~l m hvvmnl whgvl

^vh e“he~vd ê kd~mydem le qh~vlbdkld g}e~}vhem qvmwmk~m gjm ymnm% ~vh e“he~vd% em Gjlmwm nl Whk Wmymvd

he Qmknlkd% Whk Oldvold Bhooldvm% eh X}hnvmvlh nml Omvdehblkl% oel Wghyl nl Ghvblklmeed hl

Bhkkmwl gdk e“Hvmh hvgjmdedolgh nme N}dbd mn le B}wmd Ilehkolmvl


gdbbmvglhel m nl qvdn}sldkm nl hvvmnl mn hfl~l whgvl% kdkgjì em lbqvmwm dqmvhk~l kml wm~~dvl nmeeh

qvdn}sldkm m gdbbmvglhelsshsldkm nme ―qvmwmqlhem‒+

Whk Qlm~vd h Qh~lmvkd

Le X}hv~lmvm nl Whk Qlm~vd h Qh~lmvkd ê ghvh~~mvlssh~d nheeh qvmwmksh nl }k ~mww}~d nl qlggdem m bmnlm

lbqvmwm m% lk qhv~lgdehvm% nh }kh idv~m m vhnlgh~h qvmwmksh nl lbqvmwm gdbbmvglhel hee“lkovdwwd m he

nm~~hoeld nl ghesh~}vm H~~lyl~á% x}mw~“}e~lbh% nlii}wh m gdk dvlolkl edk~hkm Wlk nhoel lklsl nme 8<11

mvh% nlih~~l% vlkdbh~h e“hflel~á nml ghesdehl nmeeh sdkh

]k yhk~hoold gdbqm~l~lyd% qd~mkslhem% heeh edghelsshsldkm kme x}hv~lmvm ê diimv~d% lk qhv~lgdehvm% nheeh

qdwlsldkm w~vh~molgh vmeh~lyhbmk~m heem lkivhw~v}~~}vm nl ~vhwqdv~d *ylglkhksh nmee“hmvdqdv~d m nmoel

lbfdggjl nmeem qlü lbqdv~hk~l h}~dw~vhnm% nmeed wghed imvvdylhvld,

Dflm~~lyd Wl wdw~mvvhkkd qvldvl~hvlhbmk~m% gdk em bdnhel~á nmilkl~m lk wmnm nl fhknd% em lbqvmwm

gdbbmvglhel m nl qvdn}sldkm kme wm~~dvm ghesh~}vlmvd+

6+ Hvmm vlw~vm~~m nh vli}ksldkhelsshvm

Le Qheedkm~~d nl Whk~h E}glh

Em qvdfembh~lgjm gdkkmwwm he Qheedkm~~d Whk~h E}glh vlkylhkd hn mwlomksm nl vlwhkhbmk~d% hqvdfembh~lgjm wdgld"hbflmk~hel m hn lknlgl nl nmovhnd wdgldmgdkdblgd w}qmvldvl hl yhedvl bmnl

nmee“lk~mvd ~mvvl~dvld gl~~hnlkd

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gdk~lo}l~á gdk qlhssh Qemflwgl~d mn le e}kodbhvm mn mylnmkslhvkm }k qd~mkslhem v}ded ―nl wmvylsld‒

qmv l ie}wwl ~}vlw~lgl m em h~~lyl~á gdbbmvglhel nme gmk~vd

Dflm~~lyd Wl wdw~mvvhkkd qvldvl~hvlhbmk~m% gdk em bdnhel~á nmilkl~m lk wmnm nl fhknd3

" lbqvmwm hv~lolhkm mn lbqvmwm gjm dqmvhkd kme wm~~dvm hggdoelmksh m vlw~dvhsldkm% gdk e“ dflm~~lyd nl

gdk~vlf}lvm h qvdb}dymvm }kh nmw~lkhsldkm ~}vlw~lgh nmee“hvmh0



88

" lbqvmwm gdbbmvglhel+

7+ Hvmm nmeeh Qmvlimvlh Kdvn mn Mw~ olá doom~~d nl lk~mvymk~l kmeem qvmgmnmk~l

qvdovhbbhsldkl

Lkg}fh~dvm nmee“hvmh kdvn nmeeh gl~~á nl Khqdel *Blhkd m Wghbqlh,

Le qvdom~~d ―Ghwh nmeeh Wdglhel~á‒% lkwlmbm nl lk~mvymk~l lk~movh~l m ilkhelssh~l h vlx}helilghvm le ~mww}~d

}vfhkd m wdgld"mgdkdblgd nml x}hv~lmvl nmeeh sdkh kdvn nl Khqdel% jh }~lelssh~d em hsldkl nl wdw~mokd

heed wyle}qqd mz hv~ 7 nme NB 69?$611> " Emoom 699$<? hv~ 8>% qmv eh vmhelsshsldkm nl }k

lkg}fh~dvm nl lbqvmwh he ilkm nl gdk~vlf}lvm% h~~vhymvwd eh khwgl~h m le gdkwdelnhbmk~d nl lbqvmwm h

gdbqholkm qvmyhemk~mbmk~m imbblklem m eh edvd bmwwh lk vm~m% heeh vlx}helilghsldkm ~mvvl~dvlhem%mgdkdblgh m wdglhem nml x}hv~lmvl nmeeh qmvlimvlh kdvn nl Khqdel Nh omkkhld nl x}mw~“hkkd ê

dqmvh~lyh eh w~v}~~}vh nl ylh Ndk O}hkmeeh% m wl ê lk h~~mwh nl gdkwmokh nmeeh w~v}~~}vh nl ylh

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w}ee“Hv~ >, hbbdk~hk~l hn m}vd >11111%11 ymvvá nmw~lkh~h hl `l~ nl w~hv~"}q qmv l k}dyl lkwmnlhbmk~l

nme qvdom~~d ―Ghwh nmeeh Wdglhel~á‒

Dflm~~lyd Gde qvmwmk~m Qvdovhbbh wl q}k~h h gdkwdelnhvkm m qd~mkslhvkm em h~~lyl~á+

Lkg}fh~dvm nmee“hvmh mw~ nmeeh gl~~á nl Khqdel *Whk Oldyhkkl h ^mn}ggld,

E“hvmh nl Whk Oldyhkkl h ^mn}ggld wl mw~mknm e}kod eh ihwglh w}n dvlmk~hem nmeeh gl~~á Eh Yhvlhk~m he

QVO jh h~~vlf}l~d h x}mw~“hvmh }k yhedvm w~vh~molgd qmv eh vlx}helilghsldkm qvdn}~~lyh m hbflmk~hem

nmee“hv mh dvlmk~hem Gdk l qvmgmnmk~l qvdovhbbl wl ê qvdyymn}~d heeh vmhelsshsldkm m hyyld nmeem

h~~lyl~á nl }k lkg}fh~dvm n“lbqvmwh% nmkdblkh~d Gmk~vd Wmvylsl Lkg}fh~dvm nl Lbqvmwm Khqdel Mw~% lk

gdeehfdvhsldkm gdk eh YL B}klglqhel~á

Ilkhel~á nmee“lkg}fh~dvm ê x}meeh nl ihydvlvm ed w~hv~ }q nl lbqvmwm gjm wyle}qqhkd e“lkkdyhsldkm

~mgkdedolgh E“lkg}fh~dvm% dqmvh~lyd h qhv~lvm nhe e}oeld 6181% h~~}hebmk~m dwql~h glkx}m lbqvmwm

Dflm~~lyd Gde qvmwmk~m qvdovhbbh wl q}k~h h gdkwdelnhvkm m qd~mkslhvkm em h~~lyl~á+



86

9+ HOMYDEHSLDKL HEEM LBQVMWM

Hv~ > NB 8> wm~~mbfvm 611>% k 69?

9+8 " NMW^LKH^HVL Fmkmilglhvl nmeem homydehsldkl whvhkkd em blgvdlbqvmwm m em qlggdem lbqvmwm nl qmvwdkm m nl ghql~hel%

em gddqmvh~lym nl qvdn}sldkm m ehydvd% em lbqvmwm wdglhel nl g}l heeh emoom 7:8$<8 dqmvhk~l kml

wmo}mk~l wm~~dvl3

8, Qmv l x}hv~lmvl3 Hyydgh~h% Whk Ol}wmqqm% Qdv~d% Qmknlkd% Whk Ghved hee“Hvmkh% Whk Edvmksd% Whk

Qlm~vd h Qh~lmvkd3 gdbbmvgld% hv~lolhkh~d% wmvylsl

6, Wl qvmymnvhkkd lk wmnm nl fhknd bmgghklwbl nl qvmblhel~á nl L elymeed3

H, qmv em lbqvmwm gdk }kl~á edghel kml x}hv~lmvl vlqdv~h~l he q}k~d 8, mn dqmvhk~l kml wm~~dvl3

h, hv~lolhkh~d qvmwmqlhem m gdbbmvgld nml vmeh~lyl qvdnd~~l0

f, hv~lolhkh~d nmeeh eh~~h% nme imvvd% nme vhbm0

g, hv~lolhkh~d nml qvdnd~~l gmvhblgl qmv }wd dvkhbmk~hem m gdbbmvgld nml vmeh~lyl qvdnd~~l0

n, gdw~v}sldkm% vmw~h}vd m vlqhvhsldkm nl w~v}bmk~l b}wlghel0

m, h~~lyl~á mnl~dvlhel m nl nlw~vlf}sldkm% elfvhl% vlemoh~dvl *ilelmvh nme elfvd,0

i, ~}vlwbd% g}e~}vh0

o, hv~lolhkh~d kml wm~~dvl nme ~mwwlem m hffloelhbmk~d m gdbbmvgld nml vmeh~lyl qvdnd~~l0

j, qvdn}sldkm m gdbbmvgld nl hfl~l m hvvmnl whgvl0

F, qmv em lbqvmwm gdk }kl~á edghel kmee“hvmh vlw~vm~~h nme Qheedkm~~d h Whk~h E}glh dqmvhk~l kml wm~~dvl3

qvdn}sldkm% gdbbmvgld% wmvylsl

7, Wl qvmymnvhkkd% lkde~vm% lk wmnm nl fhknd bmgghklwbl nl qvmblhel~á nl LL elymeed% qmv em lbqvmwm

gdk }kl~á edghel kmeem hvmm vlw~vm~~m gdk kd~mydel gvl~lgl~á n“dvnlkm wdglhem% mgdkdblgd% hbflmk~hem m

kme x}hv~lmvm nl Whk Qlm~vd gdbm nl wmo}l~d wqmglilgh~d3

h, hv~lolhkh~d qvmwmqlhem m gdbbmvgld nml vmeh~lyl qvdnd~~l *hvmh Nmg}bhkl,

f, hv~lolhkh~d nmeeh eh~~h% nme imvvd *hvmh V}h Gh~hehkh,0

g, hv~lolhkh~d nml qvdnd~~l gmvhblgl qmv }wd dvkhbmk~hem m gdbbmvgld nml vmeh~lyl qvdnd~~l

*hvmh Ghqdnlbdk~m,0



87

n, gdw~v}sldkm% vmw~h}vd m vlqhvhsldkm nl w~v}bmk~l b}wlghel% gdbbmvglhelsshsldkm w~v}bmk~l

b}wlghel0 h~~lyl~á mnl~dvlhel% elfvhl% vlemoh~dvl% w~hbqh~dvl *hvmh W Wmfhw~lhkd% W Qlm~vd h

Bhlmeeh% Qdv~“Hefh% Qlhssh Fmeelkl% Qlhssh Nhk~m,0

m, hv~lolhkh~d kml wm~~dvl nme ~mwwlem m hffloelhbmk~d m gdbbmvgld% gdbqvmwd oldgjl m

oldgh~~del *hvmh Qlhssh Bmvgh~d,0

i, ~}vlwbd% g}e~}vh *qmv ~}~~m em ~}~~m em hvmm vlw~vm~~m lknlyln}h~m,0

o, qvdn}sldkm m gdbbmvgld nl hfl~l m hvvmnl whgvl *hvmh Ylh N}dbd,0

j, gdbbmvgld% hggdoelmksh m vlw~dvhsldkm% hv~lolhkh~d *hvmh Qheedkm~~d Whk~h E}glh,0

l, qvdn}sldkm m gdbbmvgld nl ghesh~}vm *hvmh WQlm~vd h Qh~lmvkd,

9+6 ‗ ^LQDEDOLH NMEEM LBQVMWM HBBMWWM

Em qlggdem lbqvmwm ndyvhkkd vlmk~vhvm kml elbl~l nlbmkwldkhel nmilkl~l nhe Vmodehbmk~d k ?1$6118nmeeh Gdbblwwldkm m}vdqmh nme 86 omkkhld 6118

Qmv em blgvdlbqvmwm wl hqqelgh eh kdsldkm nl g}l heeh Vhggdbhknhsldkm 6117$798 nmeeh

Gdbblwwldkm M}vdqmh nme 9 bhoold 6117 m hee“hv~ 6 nme nmgvm~d nme Blklw~mvd nmeem H~~lyl~á

Qvdn}~~lym nme 8:$1>$1=

Em lbqvmwm ndyvhkkd hymvm idvbh lknlyln}hem% wdglm~hvlh% nl gddqmvh~lyh

9+7 " ^LQDEDOLH NMOEL LKYMW^LBMK^L

Whvhkkd ilkhkslh~l qvdom~~l qvmwmk~h~l nh wdoom~~l olá mwlw~mk~l d nl k}dyh gdw~l~}sldkm

L qvdom~~l qvmwmk~h~l qd~vhkkd vlo}hvnhvm3

hbqelhbmk~d nl lbqvmwm olá mwlw~mk~l

vlkkdyd m hooldvkhbmk~d ~mgkdedolgd m hbflmk~hem

vledghelsshsldkm nmee“h~~lyl~á nmee“lbqvmwh

gvmhsldkm nl k}dym lbqvmwm% kme elbl~m nme 8=- nmeed w~hkslhbmk~d gdbqemwwlyd nmee“hv~ >

Wl qvmymnm% lkde~vm% ed w~hkslhbmk~d nl vlwdvwm gjm ymvvhkkd }~lelssh~m x}hel gdk~vlf}~l qmv em k}dym

lbqvmwm nh lkwmnlhvm kmee“lkg}fh~dvm hvmh kdvn nme Gdb}km nl Khqdel Imvbd vmw~hknd le vlbfdvwd

nme =1- qvmylw~d nheeh ylomk~m kdvbh~lyh khsldkhem lk bh~mvlh% wl qvdyymnmvá lk wmnm nl fhknd heeh

nmilklsldkm nmeeh kmgmwwhvlh vmodehbmk~hsldkm

E“}kl~á edghem dqmvh~lyh ndyvá mwwmvm bhk~mk}~h kmeem hvmm lknlyln}h~m m homydeh~m qmv }k qmvldnd nl

hebmkd glkx}m hkkl nheeh nh~h lk g}l ê w~h~h gdkgmwwh e“homydehsldkm



8>

Em lbqvmwm ndyvhkkd mwwmvm lk vmodeh gdk oel hnmbqlbmk~l qvmylw~l qmv emoom *lwgvlsldkm he vmolw~vd

nmeem lbqvmwm m$d hn he~vl hefl d vmolw~vl dym qvmylw~d% dffelojl gdk~vlf}~lyl m ilwghel% gmv~lilghsldkm

hk~lbhilh% m~g,

9+> " H^^LYL^Á NL HKLBHSLDKM M GDB]KLGHSLDKM Dflm~~lyd nmeem h~~lyl~á ê x}meed nl qvdom~~hvm m vmhelsshvm }kh gdw~hk~m h~~lyl~á nl

gdb}klghsldkm$hklbhsldkm gjm% gdlkydeomknd ~vh e“he~vd lk bdnd hqqvdqvlh~d vm~l hwwdglh~lym m

qvdimwwldkhel% hwwdglhsldklwbd wdglhem m g}e~}vhem% kdkgjì em gdbqm~mk~l B}klglqhel~á% wlh lk ovhnd

nl ymlgdehvm lk bdnd lkkdyh~lyd% miilghgm mn h~~vhmk~m em dqqdv~}kl~á diimv~m nhe Qvdovhbbh mn l

yhk~hool gdkwmo}mk~l heeh gvmhsldkl nl vm~l% hwwdglhsldkl% gdkwdvsl ^hel h~~lyl~á gmnmvhkkd h ghvlgd

nme wdoom~~d hiilnh~hvld nme wmvylsld nl hwwlw~mksh ~mgklgh qmv e“lw~v}~~dvlh nmeem ndbhknm m eh

idvbhsldkm nmeem ovhn}h~dvlm

9+= " ^LQDEDOLH M BLW]VH NME ILKHKSLHBMK^D

L gdk~vlf}~l gdkgmwwl kdk qd~vhkkd w}qmvhvm le elbl~m nm blklblw qvmylw~d nheeh kdvbh~lyh

gdb}kl~hvlh lk bh~mvlh nl hl}~l heem lbqvmwm

Wdkd qvmylw~m homydehsldkl wd~~d idvbh nl gdk~vlf}~l qmv wqmwm n“lkymw~lbmk~d miim~~lyhbmk~m

wdw~mk}~m nh lbqvmwm olá mwlw~mk~l d k}dym

Le gdk~vlf}~d gdkgmwwd qd~vá hvvlyhvm he 9=- nmeem wqmwm vl~mk}~m hbblwwlflel% kmeem bdnhel~á m kml

~mvblkl qvmylw~l nhee“hv~ > nme NB 8> wm~~mbfvm 611>% k 69?

Em mvdohsldkl qmv dokl wlkodeh lbqvmwh kdk qd~vhkkd w}qmvhvm e“lbqdv~d nl ₥ ?1111%11

Gdbm qvmylw~d nhee/hv~lgded ?6% gdbbh 6 nmeeh emoom ilkhkslhvlh 6117 *emoom 6? nlgmbfvm 6116% k

6:<, le =1- nme gdk~vlf}~d gdkgmwwd ê wdoom~~d h vlbfdvwd

Le ~hwwd n/lk~mvmwwm nh hqqelghvm heem wdbbm vlbfdvwh~m ymvvá nm~mvblkh~d lk blw}vh kdk lkimvldvm

heed 1%=1 qmv gmk~d hkk}d

9+9 " WQMWM HOMYDEHFLEL

Wdkd hbblwwlflel em wmo}mk~l wqmwm% qvmylw~m kme qvdom~~d qvmwmk~h~d m wdw~mk}~m mk~vd l 86 bmwl

w}ggmwwlyl heeh nh~h nl gdb}klghsldkm nmeeh ilkhkslhflel~á nmee“lklslh~lyh3

h, hgx}lw~d nl fvmym~~l% vmhelsshsldkm nl wlw~mbl nl x}hel~á% lkymw~lbmk~l qmv h~~lyl~á nl vlgmvgh m

wyle}qqd% kmee“hbfl~d nmeem ilkhel~á nl g}l heeh em~~mvh m,0

f, hgx}lw~d nl h~~vmssh~}vm% bhggjlkhvl mn hvvmnl k}dyl nl ihffvlgh% nlvm~~hbmk~m i}ksldkhel

hee“h~~lyl~á n“lbqvmwh m gjm kdk wlhkd w~h~l doom~~d nl he~vm homydehsldkl q}ffelgjm0



8=

g, wlw~mbl lkidvbh~lyl lk~movh~l qmv e“h}~dbhsldkm% lbqlhk~l h}~dbh~lssh~l% hgx}lw~d nl wdi~hvm

qmv em mwlomksm qvdn}~~lym m omw~ldkhel nmee“lbqvmwh% wlw~mbl nl ylnmdwdvymoelhksh0

n, *wded qmv em lbqvmwm mwlw~mk~l,3 hnmo}hbmk~d nml edghel m nmeem h~~lyl~á heem kdvbh~lym lk

bh~mvlh nl lolmkm m wlg}vmssh w}e ehydvd% nmee“hbflmk~m m nme gdkw}bh~dvm *gdk mwge}wldkm

nmeem dqmvm b}vhvlm,0

m, lkymw~lbmk~l wqmglilgl yde~l heeh vln}sldkm nmee“lbqh~~d hbflmk~hem% heed wbhe~lbmk~d$vlgl "

gehoold nml vlil}~l m heeh vln}sldkm nml gdkw}bl mkmvom~lgl m$d lnvlgl0

i, w~}nld nl ih~~lflel~á mgdkdblgd"ilkhkslhvlh% qvdom~~hsldkm mwmg}~lyh% yhe}~hsldkm hbflmk~hem%

wmvylsl nl gdkw}emksh mn hwwlw~mksh0 ~hel ydgl nl wqmwh wdkd ilkhkslhflel mk~vd le elbl~m nmee“:-

nmee“lkymw~lbmk~d gdbqemwwlyd0

o, vlw~v}~~}vhsldkm m$d hnmo}hbmk~d i}ksldkhem nml edghel% nl qvdqvlm~á d lk hiil~~d% qmv }k

bhwwlbd nl wqmwh hbblwwlflem qhvl he >1- nmee“lkymw~lbmk~d gdbqemwwlyd0 j, nlvmsldkm ehydvl qmv em dqmvm nl g}l he q}k~d o,% mk~vd le elbl~m nmee“:- nmee“lkymw~lbmk~d

gdbqemwwlyd

Em wqmwm homydeh~m kdk qdwwdkd mwwmvm doom~~d nl }e~mvldvl hl}~l% gdkgmwwl wd~~d x}hewlhwl idvbh nh

he~vm kdvbh~lym khsldkhel% vmoldkhel% gdb}kl~hvlm

9+? " BDNHEL^Á NL MVDOHSLDKM

Em homydehsldkl ilkhkslhvlm whvhkkd mvdoh~m qmv W~h~l nl Hyhkshbmk~d *WH, m h whend

Glhwg}k WH q}ö mwwmvm vlgjlmw~d nhee“lbqvmwh fmkmilglhvlh qvmwmk~hknd eh ndg}bmk~hsldkm qvmylw~h

nhe fhknd m gdvvlwqdknmk~m hee“lkymw~lbmk~d vmhelssh~d

9+: " LW^V]^^DVLM% GVL^MVL NL QVLDVL^Á M ^MBQLW^LGH

Em homydehsldkl whvhkkd gdkgmwwm ~mkmknd gdk~d nmeeh vmodehvl~á m yhelnl~á ~mgklgd ‗ hbblklw~vh~lyh

nmeem ghknlnh~}vm qvmwmk~h~m% kdkgjì nml gvl~mvl wmem~~lyl hee“}dqd lknlyln}h~l

Eh qvdgmn}vh gdbqdv~h eh nmilklsldkm nl d~~d ovhn}h~dvlm3" wm~~m ovhn}h~dvlm% }kh qmv glhwg}kh nmeem hvmm vlw~vm~~m lknlyln}h~m m qmv le x}hv~lmvm nl W Qlm~vd h

Qh~lmvkd% qmv g}l ê qvmylw~d }k wmgdknd elymeed nl qvmblhel~á Em vlwdvwm h~~vlf}l~m heem hvmm vlw~vm~~m

hbbdk~hkd hn m}vd 6<>>:11%11 *dwwlh le 91- nmeem vlwdvwm qvmylw~m qmv gdk~vlf}~l heem lbqvmwm h

yhemvm w}ee“Hv~ >,

" }kh ovhn}h~dvlh omkmvhem wlh qmv em lbqvmwm gdk qvmblhel~á nl qvlbd elymeed *nmilkl~m nhl gdnlgl

H^MGD, gjm qmv em vlbhkmk~l Em vlwdvwm h~~vlf}l~m hbbdk~hkd hn m}vd 8<97611%11 *dwwlh le >1-

nmeem vlwdvwm qvmylw~m qmv gdk~vlf}~l heem lbqvmwm h yhemvm w}ee“Hv~ >,

Wl qvmymnm lkde~vm3



89

" }k wlw~mbh nl vlqmwghoold gjm ihgglh gdkie}lvm em lbqvmwm% hbblwwlflel m kdk ilkhkslhflel qmv

mwh}vlbmk~d idknl% nheem wm~~m ovhn}h~dvlm ―hvmm vlw~vm~~m + Whk Qlm~vd h Qh~lmvkd‒ kmeeh ovhn}h~dvlh

omkmvhem Em lbqvmwm ―vlqmwgh~m‒ mk~vhkd lk ovhn}h~dvlh omkmvhem gdk eh wdeh qvmblhel~á nl qvlbd

elymeed% nm~mvblkh~h lk fhwm hl gvl~mvl w~hflel~l nhe fhknd0

" }kh qmvgmk~}hem qhvl he 8=- nmeem vlwdvwm nmw~lkh~m h glhwg}kh ovhn}h~dvlh% ilkhelssh~h h

wdyymksldkhvm k}dym lbqvmwm

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mn he ilkm nl myl~hvm gjm x}meem qlü hbqlm m gdk eh qlü he~h nmkwl~á nl lbqvmwh vhw~vmeelkd em vlwdvwm

nlwqdklflel% wl qvmymndkd% hvmh qmv hvmh% em x}d~m nl vlwmvyh nl wmo}l~d lknlgh~m

Hvmh Bmvgh~d >=1111%11

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Hvm V}h Gh~hehkh >>1111%11

Hvm Ghqdnlbdk~m >11111%11

Hvmh Qheedkm~~d W E}glh >11111%11

X}hv~lmvm Whk Qlm~vd 7=>:11%11

^D^HEM 6<>>:11%11

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qvmgmnmk~l qvdovhbbhsldkl% wdkd lkde~vm w~hkslh~m em vlwdvwm qmv l `l~ nl w~hv~ " }q nmw~lkh~l heem k}dym

lbqvmwm qvmylw~m nhl k}dyl lkwmnlhbmk~l nme qvdom~~d ―Ghwh nmeeh Wdglhel~á‒% qmv }k lbqdv~d qhvl h

m}vd >11111%11

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h, qmv em lbqvmwm olá mwlw~mk~l

hww}ksldkm nl lkdgg}qh~l m nlwdgg}qh~l hqqhv~mkmk~l heem ihwgm nmfdel nme bmvgh~d nme ehydvd3

ndkkm m oldyhkl *nhl 8: hl >= hkkl, vmwlnmk~l kml x}hv~lmvl doom~~d nmee“lk~mvymk~d0

hww}ksldkm nl lwgvl~~l heem elw~m nl bdflel~á% gjm hfflhkd bh~}vh~d ~hem gdknlsldkm kmoel }e~lbl

ymk~lx}h~~vd bmwl m nh wmemsldkhvwl ~vh l wdoom~~l idvbh~l lk h~~}hsldkm nme ghql~ded nmnlgh~d

heem hsldkl nl wdw~mokd heed wyle}qqd% nl g}l hee“hv~ 7 nme NB 8> wm~~mbfvm 611> k 69?0

gdk~vh~~l nl hqqvmknlw~h~d0

dwwmvyhksh nmeeh kdvbh~lyh lk ~mbh nl wlg}vmssh w}e ehydvd0



8?

lkymw~lbmk~l wqmglilgl yde~l heeh vln}sldkm nmee“lbqh~~d hbflmk~hem% heed wbhe~lbmk~d$vlgl"

gehoold nml vlil}~l m heeh vln}sldkm nml gdkw}bl mkmvom~lgl m$d lnvlgl0

lkymw~lbmk~l ilkhelssh~l hee/lkkdyhsldkm ~mgkdedolgh m omw~ldkhem

f, qmv em k}dym lbqvmwm

gdeedghsldkm nme qvdom~~d n“lbqvmwh hee“lk~mvkd nmeeh ilelmvm qvdn}~~lym nml vlwqm~~lyl ~mvvl~dvl%

gdbm lknlyln}h~m nhe fhknd nl gdkgmwwldkm nmeem homydehsldkl0

hqqhv~mkmksh nme$l qvdqdkmk~m$l nme qvdom~~d n/lbqvmwh heem gh~modvlm3 ndkkm% nlwdgg}qh~l d

lkdgg}qh~l% vmwlnmk~l kml x}hv~lmvl m kmeem hvmm nl lk~mvymk~d0

lbqvmwm wdglhel gjm qvmymnhkd e/lkwmvlbmk~d ehydvh~lyd nl qmvwdkm wyhk~hoolh~m

9+< " BDNHEL^Á NL OMW^LDKM NMEE“HSLDKM Lw~v}~~dvlh nmeem ndbhknm m ymvlilgh nmeem wqmwm wdw~mk}~m

^hel h~~lyl~á qd~vhkkd mwwmvm hiilnh~m h3

dvohklwbl nl nlvl~~d q}ffelgd d wdoom~~l qvlyh~l kmeem idvbm qvmylw~m nheeh kdvbh~lyh lk

bh~mvlh nl gdk~vh~~d n“hqqhe~d nl wmvylsl q}ffelgl0

qmvwdkhem lk~mvkd

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nmeeh i}ksldkm nl gdk~vdeed% eh gdw~l~}sldkm nl hqqdwl~h gdbblwwldkm gdbqdw~h nh vhqqvmwmk~hk~l nme

Gdb}km nl Khqdel

Mvdohsldkm nml gdk~vlf}~l% kme vlwqm~~d nmeeh ~mbqlw~lgh lknlgh~h hee“hv~ 9 gdbbh < nme NB

69?$611>

Bdkl~dvhoold

Le Gdb}km nl Khqdel qd~vá qvdgmnmvm% kme vlwqm~~d nmee“hv~ ? nme NB 69?$611>% h ymvlilgjm

lwqm~~lym h ghbqldkm% hyyhemkndwl nlvm~~hbmk~m nl hqqdwl~m gdbblwwldkl gdbqdw~m nh nlqmknmk~l nmeGdb}km nl Khqdel% dyymvd hiilnhknd hn dvohklwbl nl nlvl~~d q}ffelgd d h ~mvsl gdk~vhmk~l kmeem

idvbm qvmylw~m nheeh kdvbh~lyh lk bh~mvlh nl gdk~vh~~d n“hqqhe~d nl wmvylsl q}ffelgl " eh omw~ldkm nl

~hem ihwm



8:

?+ HSLDKL nl WDW^MOKD heed WYLE]QQD

Hv~ 7 NB8> wm~~mbfvm 611>% k 69?

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bm~vdqdel~hkm qdwwdkd qvmymnmvm% de~vm hoel lk~mvymk~l nl homydehsldkm nlvm~~h lk ihydvm nmeem qlggdem

lbqvmwm% he~vm lklslh~lym ilkhelssh~m heeh gvmwgl~h mgdkdblgd$lbqvmknl~dvlhem kml x}hv~lmvl lknlyln}h~l

L fmkmilglhvl nmeem hsldkl nl wdw~mokd qd~vhkkd mwwmvm3

qlggdem m blgvd"lbqvmwm hymk~l wmnm dn dqmvhk~l kmee/hvmh n/lk~mvymk~d0

wdoom~~l mn h~~lyl~á nl g}l hee“hv~ 7 nme NB 69?$611>

Em hsldkl nl wdw~mokd heed wyle}qqd qvmylw~m nhe qvmwmk~m qvdovhbbh gdkwlw~mvhkkd lk3

?+8 " WDW^MOKD HE WLW^MBH NL LKG]FH^DVL NME GDB]KM NL KHQDEL " HVMH KDVN MN HVMH MW^ L Qvdovhbbl 611> m 611? jhkkd gdkwmk~l~d nl h~~lyhvm% h yhemvm w}eem vlwdvwm qvmylw~m nhee“hv~+ 7

nmeeh 699$<?% w~v}~~}vm mn h~~lyl~á qmv eh vmhelsshsldkm nl lkg}fh~dvl n“lbqvmwh gdeedgh~l kmee“hvmh

kdvn nmeeh gl~~á% qvmglwhbmk~m kml x}hv~lmvl nl Blhkd m Wghbqlh% m kmee“hvmh mw~ nmeeh gl~~á%

qvmglwhbmk~m kme x}hv~lmvm nl Whk Oldyhkkl h ̂ mn}ggld+

Lkg}fh~dvm GWL *Gmk~vd Wmvylsl Lkg}fh~dvm, wl~d lk ylh F+ Bhv~lvhkd " x}hv~lmvm nl Whk Oldyhkkl

m ^mn}ggld

H~~}hebmk~m ê h~~lyd le ~mvsd qlhkd nmee“lkg}fh~dvm nl ylh Bhv~lvhkd% h fvmym ymvvá }e~lbh~h eh

gdkwmokh nmoel }e~mvldvl ~vm qlhkl% m le GWL mk~vmvá kmeeh ihwm nl qlmkh dqmvh~lyl~á gdk }k k}bmvd nl

k}dym lbqvmwm nh lkg}fhvm w~lbh~d ~vh em 8= m em 8:

Gde qvmwmk~m Qvdovhbbh wl lk~mknm wdw~mkmvm eh omw~ldkm nml gdbqemwwlyl ~vm qlhkl nmee“lkg}fh~dvm% l

vmeh~lyl fhknl qmv eh wmemsldkm nl lnmm lbqvmknl~dvlhel% em h~~lyl~á mn l qvdgmwwl ilkhelssh~l

hee“lkg}fhsldkm nmeem kmdlbqvmwm wmemsldkh~m

Gdk~mw~}hebmk~m wl qvmymnm eh qvdom~~hsldkm m vmhelsshsldkm nl }kh ghbqhokh nl lkidvbhsldkm mgdb}klghsldkm ilkhelssh~h h qvdb}dymvm em dqqdv~}kl~á mn l wmvylsl nme GWL

Eh ghbqhokh nl gdb}klghsldkm ymvvá hiilhkgh~h m gddvnlkh~h gdk lklslh~lym nl hklbhsldkm

~mvvl~dvlhem% ~mwm h lknlyln}hvm m ihv mbmvomvm k}dym lnmm m qvdilel n“lbqv mwh kme ghbqd

nmee“lkkdyhsldkm

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h~~lyl~á nme GWL hl gdk~mw~l lkn}w~vlhel mn hgghnmblgl gl~~hnlkl yhedvlsshknd mwqmvlmksm qvdimwwldkhel

m `kd jd



8<

Lkg}fh~dvm hvmh kdvn gl~~á nl Khqdel

Gdk em hsldkl nl wdw~mokd heed wyle}qqd nl g}l hee“hv~ 7 nme NB 69?$611> wdkd w~h~m vmhelssh~m em

w~v}~~}vm nmee“lkg}fh~dvm hvmh kdvn nme Gdb}km nl Khqdel gdk eh ilkhel~á nl gdk~vlf}lvm% h~~vhymvwd eh

khwgl~h m le gdkwdelnhbmk~d nl lbqvmwm h gdbqholkm qvmyhemk~mbmk~m imbblklem m eh edvd bmwwh lk

vm~m% heeh vlx}helilghsldkm ~mvvl~dvlhem% mgdkdblgh m wdglhem nml x}hv~lmvl nmeeh qmvlimvlh kdvn nl

Khqdel% lk hvmm wmokh~m nheeh qlü fhwwh qmvgmk~}hem% lk hwwde}~d% nl }kl~á edghel hnlfl~m hn lbqvmwh lk

vhqqdv~d hoel hfl~hk~l

Nhe bmwm nl omkkhld 6188 ê dqmvh~lyh }kh nmeem n}m w~v}~~}vm% x}meeh wl~h lk ylh Ndk O}hkmeeh

Eh w~v}~~}vh nl ylh Bdk~mvdwh ymvvá gdkwmokh~h h fvmym

Wl ~vh~~h gdbqemwwlyhbmk~m nl glvgh 6= bdn}el% qmv g}l whvá kmgmwwhvld h~~lyhvm bmgghklwbl m wlw~mbl

nl omw~ldkm% fhknl qmv eh wmemsldkm nl lnmm nl lbqvmwh% wmbqvm qvdqdw~m nh gdbqholkl

qvmyhemk~mbmk~m imbblklel% gdk em vmeh~lym h~~lyl~á nl hwwlw~mksh m ~}~dvhoold Wl qvmymndkd vlwdvwmnmnlgh~m% h yhemvm w}ee“hv~ >% qmv ilkhkslhvm em ihwl nl lkwmnlhbmk~d% hyyld nmeem h~~lyl~á n“lbqvmwh m

idvkl~}vh nml @l~ nl w~hv~"}q Wl qvmglwh gjm l gdw~l qmv em h~~lyl~á nl qvdbdsldkm% eh ghbqhokh nl

lkidvbhsldkm m gdb}klghsldkm% e“lw~v}~~dvlh m yhe}~hsldkm nml qvdom~~l lbqvmknl~dvlhel nmeem kmd

lbqvmwm ghknlnh~m% gdk em gdkwmo}mk~l h~~lyl~á nl ymvlilgh gmnmvhkkd h ghvlgd nme wdoom~~d omw~dvm

lknlyln}h~d gdk qvdgmn}vm hn mylnmksh q}ffelgh

?+6 " LK^MVYMK^L QMV WYLE]QQHVM E/HWWDGLHSLDKLWBD MGDKDBLGD " QVDBDSLDKM NL

GDKWDVSL MN HWWDGLHSLDKL NL LBQVMWM

Wl mylnmkslh ‗ membmk~d ~vh e“he~vd vlqvmwd nhe Qlhkd W~vh~molgd nmee“Mk~m m nhe Qlhkd nl omw~ldkm nme

Gmk~vd w~dvlgd ]kmwgd ‗ gdbm le wlw~mbh n/lbqvmwh wlh gdkkd~h~d nh hslmknm nl qlggdeh nlbmkwldkm

ghvh~~mvlssh~m nh idvbm ol}vlnlgjm qmvwdkhel% nl~~h lknlyln}hem d wdglm~á nl qmvwdkm% bh gdk }kh fhwwh

qvdqmkwldkm hee“hoovmohsldkm% he gddvnlkhbmk~d mn hee“lk~movhsldkm qmv gvmhvm ov}qql% ilelmvm Kmeed

w~mwwd ~mbqd wl vlemyh }kh wghvwh ghqhgl~á% nh qhv~m nme ~mww}~d lbqvmknl~dvlhem% nl mehfdvhvm ylwldkm

m qlhklilghsldkm w~vh~molgh% gdk }kd wghvwd }~lelssd nmoel w~v}bmk~l nl bhv`m~lko% gdk gdkwmo}mk~l

lbqh~~l w}oel hwqm~~l qvdn}~~lyl mn dvohklssh~lyl m% gdkwmo}mk~mbmk~m% w}eeh vmnnl~lyl~á

He ilkm nl bdnlilghvm ~hem gdknlsldkm nl gdk~mw~d wl vl~lmkm kmgmwwhvld qvdb}dymvm m wdw~mkmvm

wdoom~~l gdeem~~lyl% h~~dvl nd~h~l nmeeh ghqhgl~á nl o}hvnhvm he wlw~mbh kme w}d lkwlmbm% qvdom~~hkndkm

em ~vhwidvbhsldkl mn lk~mvymkmknd w}eem gvl~lgl~á gjm nl yde~h lk yde~h wl qvmwmk~hkd

Oel lk~mvymk~l% qmv~hk~d% wdkd ilkhelssh~l hn h~~lyhvm lkymw~lbmk~l bh~mvlhel mn lbbh~mvlhel nmw~lkh~l h

bm~~mvm lk bd~d bmgghklwbl m qvdgmwwl nl qhv~mglqhsldkm nmeem lbqvmwm% h wdw~mkmvm m qvdb}dymvm%



61

hkgjm h~~vhymvwd h~~lyl~á nl hklbhsldkm mn hwwlw~mksh ~mgklgh% e“hwwdglhsldklwbd% eh gvmhsldkm nl

gdkwdvsl

E“dflm~~lyd% h fvmym ~mvblkm% ê nl hwwlg}vhvm bmgghklwbl nl wdw~mokd hee“hwwdglhsldklwbd m heeh

―bmwwh lk vm~m‒ nmoel lbqvmknl~dvl w} lklslh~lym m qvdom~~l gjm qvmymnhkd lklslh~lym nl

gdb}klghsldkm% qvdbdsldkm% lklslh~lym ~mwm he qd~mkslhbmk~d gdbbmvglhem m hee“hgx}lwlsldkm nl

k}dym hvmm nl bmvgh~d Wqmglilgl lk~mvymk~l ymvvhkkd qvmylw~l qmv em hvmm gdbbmvglhel gjm wl

lnmk~lilghkd gdk heg}kl nml e}dojl lnmk~l~hvl nmeeh gl~~á m vhqqvmwmk~hkd }k bdnmeed ―nl bmvgh~d‒ gdk

bdnhel~á% membmk~l he~mvkh~lyl hl ―kdk e}dojl‒ nmeeh ovhknm nlw~vlf}sldkm m nml Gmk~vl gdbbmvglhel

E“dflm~~lyd% h bmnld ~mvblkm% ê x}meed nl qvdb}dymvm eh vmhelsshsldkm nl ―w~v}~~}vm nmnlgh~m$

gdkwdvsl‒ lk ovhnd nl ihv emyh w}l q}k~l nl idvsh m w}e yhk~hoold gdbqm~l~lyd vhqqvmwmk~h~d nhgdbqm~mksm hgg}b}eh~m lk ghbql nme &whqmv ihvm& m emoh~m h x}meel gjm ymkodkd lnmk~lilgh~l gdbm

―nlw~vm~~l mbfvldkhel‒3 Ghqdnlbdk~m% V}h Gh~hehkh% Whk Ovmodvld Hvbmkd% ylh Whk Wmfhw~lhkd

Nlw~vm~~l mbfvldkhel *eh~~h% qvmwmqlhem% gmvhblgh% elfvd% b}wlgh, w} g}l ê kmgmwwhvld lk~mvymklvm qmv

ihvm lk bdnd gjm le ―yhk~hoold gdbqm~l~lyd nme whqmv ihvm‒ vmw~l ~hem % hiivdk~hknd em gvl~lgl~á gdk

lk~mvymk~l ilkhelssh~l m ―qmvwdkhelssh~l‒

Glö vhqqvmwmk~h eh gdknlsldkm lvvlk}kglhflem qmv wdw~mkmvm m x}helilghvm% hn mwmbqld% eh qvmwmksh

nmeem qvdn}sldkl edghel nmee“hv~lolhkh~d nl mggmeemksh kmeem nlbmkwldkl khsldkhem mn lk~mvkhsldkhem%

hwwlg}vhknd wdnnlwihgmk~l bhvolkl nl vmnnl~lyl~á m lkw~h}vhknd vhqqdv~l nl bmvgh~d w~hflel kme ~mbqd

Lk mk~vhbfl l ghwl e“lknlyln}hsldkm nml wdoom~~l fmkmilglhvl *qmv e“dflm~~lyd h fvmym ~mvblkm, m nml

wdoom~~l omw~dvl *qmv e“dflm~~lyd h bmnld ~mvblkm, hyymvvá h~~vhymvwd hyylwl q}ffelgl



68

:+ QLHKD ILKHKSLHVLD

Em vlwdvwm d~~mk}~m ovhslm hee“dqmvhsldkm nl vmg}qmvd nml vmwln}l nmeem qhwwh~m omw~ldkl nml

Qvdovhbbl 699% hbbdk~hk~l h ₥ <111%111%11 ymkodkd gdwå vlqhv~l~m3

Hsldkl Lbqdv~d lk

m}vd

Vlimvlbmk~d

N+B+ 69?$611>Gdk~vlf}~l heem lbqvmwm

hv~ >

Gdkgmwwldkm nl gdk~vlf}~l >+<1:+111%11

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67

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69

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6:

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71

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78

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Sostegno alle microimprese - VII Programma 266 2011

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