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2024
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This document is in Arabic and appears to be an academic report or a research paper from 2024. It has a detailed discussion of a topic, likely in the field of education or a related subject. The paper includes technical terms in Arabic.
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ﻴﻢ ﺮﺣﻟ ﺍﻤﻦ ﺮﺣﻟ ﺍﺑﺴﻢ ﷲ...
ﻴﻢ ﺮﺣﻟ ﺍﻤﻦ ﺮﺣﻟ ﺍﺑﺴﻢ ﷲ ﺭﻱ ﺮﺔﻛ ﻌﻣﺎ ﺟ ﺔ ﻳﺭﺍ ﺩﻮﻡﺍﻹ ﻠﻌﻟ ﺍ ﺩﻭﺎ ﺘﺼﻗ ﺔﺍﻻ ﻴﻠﻛ ﺎﺕ ﺆﺳﺴ ﻤﻟﻳﻞﺍ ﻮﻤﺗ ﺩﺍ ﺪﺇﻋ ﻳﺲ ﺭﺩﻴﺦﺇ ﻟﺸﺍﺪﻤ ﺪﻣﺤ ﻴﻌﺩﺳ 2024ﻡ :ﺪﻴﻬﻤ ﺗ ﻳﺐ ﺮﺪﻗﻬﺬﻋﻨﻡﺇﻻﻣ ﺎ ﻤﺘﺎﻹﻫﻟﻢﺗﺤﻆﺑ ﻪﺘﺍﺳﺭﻻﻥﺩ ﺩﺇﺃ ﺎ ﺘﺼ ﻗﺍﻻﻠﻢﻭﻉﻋ ﺮﻡﻓﺪﻗﺃﻳﻞﻣﻦ ﻮﻤ ﺘﻟﺍﺮﺒ ﺘﻌﻳ . ﻳﻞﻮﻤﺘ ﻟﺍﺔﻳﺮﻨﻈﻟﺔﻴ ﺎﺳﺍﻷﺳ ﺩﺉ ﺎ ﺒﻤﻟ ﺍﻊﺓﻭﺿ ﺭ ﻭﺮ ﺎﺱﺑﻀ ﺪﺇﺣﺴﻟﻮﺎﺗ ﻣﺪﻨﻋ ﺋﺞﺎﺘﺎﻝﻣﻦﻧ ﻤﺠﻟ ﺍﺍ ﺬ ﺔﻓﻲﻫ ﻴﻠ ﻴﻠ ﺘﺤ ﻟ ﺍﺎﺕ ﺍﺳﺭ ﺪﻟﺍﻪ ﻨﺮﺕﻋ ﻔﺃﺳﺎﻣﺔﻭ ﻳ ﺩﺎﺘﺼﻗﺍﻹﺔﻳﺮﻨﻈﻟ ﺍﺀﺍ ﺮﺛﺪﺇﻌﺑ . ﻳﻞﻮﻤﺘﻟ ﺍﺔﻳﺮﺎﻓﻲﻧﻈﻬﺗﺭ ﻮﻠﺑﺎﻭﻬﻔﻴﻴ ﻜﻬﻞﺗﻟﺴﺍﺒﺢﻣﻦ ﺃﺻ ﺩﺉﺎ ﺒﻤﻟ ﺍﺔﻣﻦ ﻋﻮﻤﻠﺖﻓﻲﻣﺠ ﺜﻤ ﺗ ﻳﻞ:ﻮﻤﺘﻟ ﺍﻳﻒ ﺮﻌ ﺗ ﻎﻣ ﻟ ﺎﺒﻤ ﻟﻊ ﻴ ﻤﺔﺗﺠ ﻴﻠ ﻤﻮﻋ.ﻱﻫﺔﺃﺎﺣﺘﻤ ﻟﺍﺭﺩﺎ ﻤﺼ ﻟﺍﻧﺴﺐﺃﺍﻝﻣﻦ ﻷﻮ ﺍﻣ ﻠﻰﻮﻝﻋ ﻟﺤﺼﺍﺔﻴﻠﻤﻮﻋﻳﻞﻫ ﻮﻤ ﺘﻟ ﺍ ﻼﺪ ﺔﻓ ﺑﻳﺩﺎﺘﺼﻗﺍﻻﺎﺕﻳﺮﻨﻈﻟ ﺍﺭﻮﻊﺗﻄﻣﻭ.ﺓﺮﻤﺘﻣﺴﺔﻭﻤﺋ ﺍﺔﺩ ﻔﺔﺑﺼ ﺆﺳﺴ ﻤﻟ ﺍ ﺮﻑﺎﺗﺤﺖﺗﺼ ﻬ ﻌﻭﺿ ﺔﻭﻴﻟ ﺎ ً ﺎ ﻳﺩﺎ ﺘﺼ ﻗ ﺍً ﺎﻣﺍ ﺪﺘﺨ ﺍﺳﺍﻝﻷﻮ ﺍﻣ ﻡﺍﺪ ﺘﺨﺍﺳ ﻌﻞﻟﺠ ﺔﻴﻟ ﺎﻤ ﻟﺍﺓ ﺭﺍﺩﺍﻹ ﺎ ﺬﻫﺘﺨ ﺘﻲﺗﻟ ﺍ ﺍﺕﺭﺍ ﺮﻘﻟ ﺍﻊﻴﻤﻤﻦﺟ ﺘﻀﺃﻥﻳ . ﺔﺎﺣﺘﻤﻟ ﺍﺭ ﺩ ﺎﻤﺼﻟﺍﺔﻔ ﻠﻜﺔﺗ ﺍﺳﺭﺩ ﺔﻭ ﻠﻳﺪ ﺒﻟ ﺍ ﺎﺕﻣﺍ ﺪﺘﺨﺍﻻﺳ ﻟﻚﺎﻓﻲﺫ ﻤ ﺑ ﺍﻕﻮﺍﻷﺳﺍﺕﻭ ﺭ ﺎﻤﺜ ﺘﺍﻻﺳ ﻤﻞﺔﺗﺸﻴﻴﺴﺋﻮﻝﺭ ﻘ ﺔﺣ ﻌﺑ ﺭﺃ ﺔﻳﻀﻢ ﻓﺮﻌﻤﻟ ﺍﻣﺎﻻﺕﺪﺠ ﺄﺣ ﻳﻞﻛﻮﻤﺘﻟ ﺍﻠﻢ ﻋ .ﻟﻲﻭﺪ ﻟﺍﻳﻞ ﻮﻤﺘﻟ ﺍ ﺎﺕﻭ ﻛ ﺮﻟﺸﺍﻳﻞﻮﻤﺗ ﺔﻭ ﻳﺪﻘ ﻨﻟ ﺍﺔﻭ ﻴ ﻟﺎ ﻤﻟ ﺍ I : ﺔﻴﻟﺎ ﻤﻟﺓﺍ ﺭ ﺍﺩﺍﻹﻳﻞﻭ ﻮ ﻤﺘﻟﻮﻡﺍ ﻬﻔﻣ ﻳﻒ ﺮﻌﺎﺗﻤﻬﻨﻠﺢﻣ ﻜﻞﻣﺼﻄ ﻟﻻﻥﺎﻥﺇﺃ ﻴ ﻣﺍﻷﺣ ﺮﻦ ﻴﺜﺔﻓﻲﻛ ﻴﻟ ﺎﻤﻟﺍﺓﺭﺍﺩﺍﻹﻳﻞﻭ ﻮﻤﺘﻟ ﺍﺎﻣﻮﻬﻔ ﻠﻂﻣ ﺘ ﻳﺨ ﺍﻹ ﺎ ﻤﻨﻴ،ﺑﺔﺎﺣﺘﻤﻟﺍﺭﺩﺎﻤﺼﻟﺍﻧﺴﺐ ﺃﺍﻝﻣﻦ ﻷﻮﺍﻣ ﻠﻰﻮﻝﻋ ﻟﺤﺼ ﺍ ﺔﻴﻠﻤﻮﻋ ﻳﻞﻫ ﻮﻤﺘﻟ ﺎ،ﻓﺎﺹ ﻡﺧ ﺍﺪﺘﺨ ﺍﺳﻭ ﻟﻰﺔﺇ ﻓ ﺎ،ﺇﺿ ﺎﻬﻣﺍ ﺪ ﺘﺨﺍﺳﺎﻭﻬﺗﺭﺍ ﺩﺭﻭﺣﺴﻦﺇ ﺩﺎﻤﺼ ﻟ ﺍﻧﺴﺐ ﺃﺍﻝﻣﻦ ﻷﻮ ﺍﻣ ﻠﻰﻮﻝﻋ ﻟﺤﺼ ﺍ ﺔﻫﻲ ﻴﻟﺎ ﻤﻟﺍ ﺓﺭﺍ ﺩ ﻠﻲﻤﻌﻟﺍﻴﻖ ﺒ ﺘﻄ ﻟ ﺍ ﺔﻫﻲ ﻴ ﻟﺎ ﻤﻟﺍﺓﺭﺍ ﺩﺎﻹ،ﻓﺔ ﻛ ﺮﻠﺸ ﻟﺔﻴﻟ ﺎﻤﻟﺍﺍﺣﻲ ﻮﻨﻟ ﺍﺓﻛﻞ ﺭﺍﺩﺃﻱﺇ ﺔﻴﻟﺎﻤ ﻟﺍﺔﺑﺎﻗﺮﻟﺍ ﻴﻂﻭ ﺘﺨﻄ ﻟ ﺍ ﻮﻝﻘ ﺔﺣ ﻌﺑﺭﺃﺔﻳﻀﻢ ﻓ ﺮ ﻌﻤﻟﺍﻣﺎﻻﺕ ﺪﺠ ﺄﺣﻳﻞﻛ ﻮ ﻤﺘﻟ ﺍﻠﻢﺎﻋ ﻤﻨ ﻴ ﺎﺕﺑ ﻛﺮﻟﺸﺍ ﻳﻞﻓﻲ ﻮ ﻤﺘﻟ ﺍ ﻠﻢﻴﻢﻋ ﺎﻫﻔﻤ ﻟ ﻤﻟﺍﻣﻦ .ﻭﻟﻲ ﻭﺪﻟﺍﻳﻞﻮﻤﺘﻟ ﺍﺎﺕﻭ ﻛﺮﻟﺸﺍﻳﻞ ﻮﻤﺗ ﺔﻭ ﻳ ﺪﻘ ﻨ ﻟﺍﺔﻭﻴﻟﺎ ﻤﻟﺍﺍﻕ ﻮﺍﻷﺳ ﺍﺕﻭ ﺭ ﺎ ﻤﺜﺘﺍﻻﺳ ﻤﻞ ﺔﺗﺸ ﻴﻴﺴ ﺋ ﺭ ﺔﻔﻴﺩﻭﻇ ﺮﻴﺲﻣﺠ ﻟﺔﻭﻓﺮﻌﻤﻟ ﺍ ﻣﺎﻻﺕﺎﻝﻣﻦ ﺠ ﻮﻣﺠ ﻳﻞﻫ ﻮ ﻤﺘﻟﺍﺃﻥ ﻮﻝﻘﻟﺤ ﺍﻩﺬﻼﺣﻆﻣﻦﺧﻼﻝﻫ ﻴﻢﺎﻫ ﻔ ﻡﻣ ﺪﺘﺨﺈﻥﻛﻞﺷﺨ ﺺﻳﺴ ﻳﺚﻓ ﺪﻟﺤ ﺍﺩﺎﺘﺼﻗ ﻇﺍﻻ ﻓﻲ ﻞ .ﻭ ﺓﺎ ﻨﺸ ﻤﻟ ﺍﺍﻝﻓﻲ ﻷﻮ ﺍﻣ ﻠﻰ ﻮﻝﻋ ﻟﺤﺼ ﺍ ﻐﺾ ﺎ ﺹﺑ ﺃﺷﺨ ﻮﻻًﻣﻦ ّﻤﻭﻣ ﺃﺔ ﻟ ﻭﺪﻠﻟً ﺎ ﻜ ﻠ ﻳﻞﻣ ﻮﻤﺘ ﻟﺍﺍﺬﺎﻥﻫ ﺀﻛ ﺍﻮﺎﻝﺳ ﻜﻣﺍﻷﺷﻜﻞ ﻦ ﻳﻞﺑﺸ ﻮﻤﺘﻟ ﺍ .ﺋﻢﺍ ﺭﺩ ﻮﺣﺔﺗﻄ ﻟﻓﻲ ﺎ ﻜﻲﻭ ﻴﻣﺎﻨﻳﺩﻊﻭ ﺍﺳﻠﻢﻭ ﻮﻋ ﻳﻞﻫ ﻮﻤﺘﻟ ﺍ ﻠﻢﻌ،ﻓﻪﻤﺮﻋﻦﺣﺠ ﻨﻈﻟ ﺍ ﻳﻞ: ﻮﻤﺘﻟﻠﻢﺍﺭﻋ ﻮﺗﻄ ﺮﻥﻘﻟﺍﺔﻳﺍﺪﻊﺑ ﺔﻣﻳﺭﺍ ﺩﺎﺍﻹﻷﻤﻝ ﺍﻋ ﺔﻴ ﻠﻘﻞﻓﻲﻛ ﺘﻜﻞﻣﺴ ﻳﻞﺑﺸ ﻮﻤﺘﻟ ﺍ ﺘﺨﺼ ﺺﻓﻲ ﻟ ﺍ ﺎﻝﺮﻣﺠ ﻬﻇ ﻧﺖ ﺎﻛﺎﺝﻭ ﻣﺪﻧﺍﻻ ﺎﺕﻴﻠ ﻤﺎﺕﻭﻋ ﻛﺮﻟﺸﺍ ﻳﻦﻮﻜﻠﻰﺗ ﺔﻋ ﻳﺍﺪﺒ ﻟﺍﺘﺨﺼ ﺺﻓﻲ ﻟ ﺍﺍﺬﺰﻫ ﻴﻛﺮﺎﻥﺗ ﺪﻛ ﻗﺎﺿﻲﻭ ﻤﻟ ﺍ ﺍﺃﺪﺫﺑﺎﺿﻲﺇ ﻤﻟﺍﺮﻥﻘﻟﺍﺎﺕﻣﻦ ﻨﻳﺮ ﻌﺸ ﻟﺍﺘﻰﻟﻚﺣ ﺬﻷﺮﻛ ﺍﻣ ﺮﻤﺘﺍﺳﻳﻦﻭ ﺮﻜﻔﻤﻟ ﺍ ﻡﺎﻤﺘﺍﻫﺭﻮﺭﻣﺤ ﻮﻣﺍﻷ ﻠﻚﺗ ﺍﺕ ﺪﻨﻟﺴﺍﺍﻉﻮﻧﺃﺔ ﻟﺠﺎ ﻌﻤﻳﻞﺑ ﻮﻤﺘﻟ ﺍﻠﻢﺃﻋ ﺪﺒ ،ﻓ ﺍﺕﺭﺎﻤ ﺜ ﺘﺍﻻﺳ ﻳﻞﻮﻤﺘﻟ ﺓﺪﻳﺪﺭﺟ ﺩ ﺎ ﺒﺤﺚﻋﻦﻣﺼ ﻟ ﺎﻡﺑ ﺎﻤﺘﻻﻫ . ﻳﻞﻮ ﻤﺘﻟ ﺍﺭﺩﺎﻠﻰﻣﺼ ﻮﻝﻋ ﻠﺤﺼ ﻟ ﺎ ﺭﻫ ﺍ ﺪ ﺎﺕﺇﺻ ﻛ ﺮﻠﺸﻟ ﻜﻦ ﻤﺘﻲﻳ ﻟ ﺍ ﻮﻝﻣﻦ ﺘﺤ ﻟ ﺍﺘﻢ ﻳﻞﻓ ﻮﻤ ﺘﻟﺍﻡﺎﻤﺘ ﺍﻫ ﺎﻝﺮﻓﻲﻣﺠ ﻴﻐﻡﺣﺼﻞﺗ ﺔ1930 ﻨﻤﻲﺳ ﻟﺎﻌﻟ ﺍﺩﺎﻜﺴ ﻟ ﺍ ﺓﺮﺘﻭﺧﻼﻝﻓ ﺔﻴﻤﻟ ﺎﻌﻟﺍﺍﺕ ﺭﻮﺘﻄﻟﺍ ﻓﻖﻭ ﺍﻮﺘﺮﻳﺁﺧ ﺎﻁﻠﻰﻧﺸ ﺰﻋﻴ ﻛﺮﺘﻟ ﺍﻟﻰﺎﺕﺇ ﻛ ﺮﻠﺸﻟﻌﻲ ﻮﺳ ﺘ ﻟﺍﺎﻁ ﻨﺸﻟﺍﻠﻰ ﺰﻋ ﻴﻛﺮﺘﻟ ﺍ ﺓﺩﺎﺮﻯﻹﻋ ﺒ ﺔﻛ ﻴﻤﺃﻫﻟﻲﻮﺃﻳﺪﺑﻓﻼﺱﻭ ﺍﻹﻊ ﻴﺍﺿﻮ ﺔﻣﻠﺎﺟﻌﻣﺎﺕﻭ ﻛﺮﻟﺸ ﺍﺀﺎﻨﺔﺑﻴﻔﻴﺒﺤﺚﻋﻦﻛ ﻟﺍ ﻮﻭﻫ . ﺔ ﻴﻟﺎ ﻤﻟ ﺍ ﺍﻕﻮﺍﻷﺳ ﻴﻢﻨﻈ ﺗ ﺎﻭ ﻬﺘﻟ ﻮﻴﺂﺕﻭﺳ ﻨﺸ ﻤﻟ ﺍ ﻴﻢﻨﻈﺗ ﺮﻨﻈﻔﻲﻳ ﺎﻝﻭﺻ ﻤﺠ ﻳﻦﻛﺮﻌﺸ ﻟ ﺍﺮﻥ ﻘﻟﺍﺎﺕﻣﻦ ﻨﻴﻤﺴ ﻟﺨﺍﺔﻳﺍﺪﺑﺎﺕﻭ ﻨﻴﻌﺑ ﺭﺍﻷ ﻳﻞﺧﻼﻝ ﻮﻤ ﺘﻟ ﺍ ﺮﻑ ﻋ ﻮﻝﺎﺕﺗﺤ ﻨﻴﺘﻟﺴﺍﺔﻳﺍ ﺪ ﺑ ﺎﺕﻭ ﻨﻴ ﻤﺴ ﻟﺨﺍﺔﻳﺎ ﻬﻜﻦﻓﻲﻧ ﻟ ﺔﻭ ﻳﺭﺍﺩﺎﺇﻬﻨﺮﻣ ﺜﻛﺃﺔﻴﺭﺟ ﺎﺓﺧ ﺮﺎﺕﻧﻈ ﺆﺳﺴ ﻤﻠ ﻟ ﺍﺕ ﺭﺍ ﺮﻘﻟﺍﻜﻞ ﺘ ﺺﺑ ﺎﻳﺨً ﻴﻠﻤﻪﻋ ﻧ ﻮﻟﻰﻛ ﺮﻱﺇ ﻨﻈﻟﺍﻠﻲﻳﻮ ﻤﺘ ﻟﺍﻴﻞﻠﺘﺤ ﻠﻟﻣﺎﻻً ﻪﺠ ﻧ ﻮﻳﻞﻣﻦﻛ ﻮﻤ ﺘﻟ ﺍﻡ ﻮﻬﻔﻣ ﺔﺑ ﺒﻄﺗﺮﻤﻟ ﺍ ﺔﻴﺎﺳﺍﻷﺳ ﺔﻤﻬﻤﻟﺍﺒﺤﺖ ﺃﺻ ﻟﻲﻭﺎﻤﻟﺍﻜﻞﻴﻬ ﻟ ﺍﺪﻳﺪﺗﺤ ﻮﻝﻭ ﺍﻷﺻ ﺭ ﺎﻴﺘﺎﺧﺓﻛ ﺄﻨﺸﻤﻟﺎﻠﻖﺑ ﻌﺘﺘﻲﺗ ﻟ ﺍ .ﻴﻦﻜﻟﺎ ﻤ ﻟ ﺍﺓﻭ ﺮ ﺔﺛ ﻤﻴ ﻴﻢﻗ ﻌﻈ ﻼﺎﺗ ﻬﻜﻦﻣﻦﺧﻟ ﻤﺘﻲﻳ ﻟ ﺍﺔ ﻴﻔﻴﻜﻟﺍﺒﺤﺚﻋﻦ ﻟﺍﺔﻫﻲ ﻴﻟﺎﻤﻟ ﺍ ﺔﻔﻴﻮﻇ ﻟ ﺎ ﻴﻦﺑ ﺘﺼ ﻤﺨ ﻟ ﺍﺒﻞ ﺔﻣﻦﻗ ﻴﻤﻴﻴﻘ ﺔﺗ ﻘﻴﺛﺎﻙﻭ ﻨ ﻧﺖﻫ ﺎﺎﺕﻛ ﻨﻴ ﻧﺎﻤﺜﻟ ﺍ ﻔﻲ ،ﻓﺭﻮﺘﻄ ﻟﺎ ﻳﻞﺑ ﻮﻤﺘﻟﺍﻠﻢﺮﻋ ﻤ ﺘﺍﺳﻭ .ﻴﻦﻴﻟ ﺎﻤﻟﺍﺀﺍ ﺭﺪﻤﻟﺍﻪﺍﺟ ﻮﺃﺕﺗ ﺪﺘﻲﺑ ﻟﺍﺓﺪﻳﺪ ﻟﺠﺍﺎﺕ ﻳﺪﺘﺤﻟﺍﺔ ﻴﺠ ﺘﻳﻞﻧ ﻮﻤﺘﻟ ﺎ :ﺔﻴ ﺎﻋﻤﺘﺍﻻﺟ ﺎﺕ ﻴﻟ ﻭ ﺆﻤﺴ ﻟ ﺍ ﻴﻢﻨﻈ ﺭﺗ ﻮﺗﻄ ﺒﻞﺓﻣﻦﻗ ﺪﻳﺪﻟﺠﺍﺓﻭﺭﻮﺘﻄﻤﻟﺍ ﺔﻴ ﻟﺎ ﻤ ﻟ ﺍﺎﺕ ﻣﺪﻟﺨ ﺍﺭﺎ ﻜﺘﺑﺍﺔﻭ ﻴﻟﺎ ﻤﻟﺍﺎﻝﻷﻤ ﺍﻋ ﻊﻓﻲ ﻮﺳ ﺘﻠﻟً ﺔ ﻴﺠ ﺘﻧ ﺎﺕ ﺆﺳﺴ ﻤﻟ ﺍ ﻩﺬﻜﻦﻫ ﻤﺘﺘﻰﺗ ﺔﺣ ﻴﻟ ﺎﻤﻟ ﺍ ﺎﺕﺆﺳﺴ ﻤﻟ ﺍﻴﻢ ﻨﻈﺓﺗﺩﺎﺔﻹﻋ ﻔﻗﺎﻙﻭ ﻨﺎﻥﻫ ﺔﻛ ﻴﻟ ﺎﻤﻟﺍﺮﻴﺎﺕﻏ ﻛ ﺮ ﻟﺸﺍ ﺩﻱ ﺎ ﺘﺼ ﻗﺍﻻ ﺎﻁﻨﺸﻟﺍﺮﻓﻲ ﻴﺒ ﺭﻛ ﻮﺪﺙﺗﻄ ﺪﺣ ﻘﻓ. ﺔ ﻴﻗ ﻮ ﻟﺴﺍ ﺎ ﻬﺘﻠﻰﺣﺼ ﺎﻅﻋ ﻔ ﻟﺤ ﺍ ﺔﻭ ﻓﺴ ﺎﻨ ﻤ ﻟ ﺍ ﻣﻦ :ﺜﻞﻓﻲ ﻤ ﺗ ﺎ. ﻪﻟ ﻜﺃﺷ ﺔﻓﺎﻜﺎﺝﺑﻣ ﺪﻧﺍﻻ ﺓﺮﺎﻫ–ﻇ ﺎ. ﻷﻤﻝﺍﻋ ﺍﻕﻭ ﻮﺍﻷﺳ ﺮﻓﻲﺣﺠﻢ ﻴﺒﻜﻟﺍﻊ ﻮﺳ ﺘﻟ ﺍ – . ﺮﺗﻮﻴﺒﻤﻜﻟ ﺍ ﺎﻝﻊﻓﻲﻣﺠ ﻳﺮﻟﺴﺍ ﺋﻞﻭ ﺎ ﻬ ﻟ ﺍ ﺭﻮﺘﻄ ﻟ ﺍ – ﺮﻴﻜﻔﺘﻟﺍﺓﺩﺎﻟﻰﺇﻋﺩﺕﺇ ﺃﺔﻣﺎ ﺍﺕﻫ ﺭﻮﺗﻄ ﺓﻭ ﺮ ﻴﺜﺍﺙﻛ ﺪ ﺃﺣ ﻠﺖﺎﺿﻲﺣﺼ ﻤﻟﺍﺮﻥ ﻘﻟﺍﻴﺕﻣﻦ ﻨﺎﻴﻌ ﺘﺴ ﻟ ﺍﻓﻲ :ﺍﺕﺭﻮ ﺘﻄﻟ ﺍ ﻩﺬﺍﻫﻢﻫ ﺔﻭ ﻴ ﻟ ﺎﻤﻟ ﺍ ﺓﺭﺍ ﺩﺍﻹ ﻊ ﻴ ﺍﺿ ﻮﺮﻯﻓﻲﻣ ﺃﺧ ﺓﺮﻣ ﺒﻞ ﺔﻣﻦﻗ ﻴﻛﺮﻤﻟﺠﺍ ﺰ ﺍﺟﻮﻟﺤﺍ ﻴﺾ ﻔﺗﺨﺔﻭ ﻴﻤﻟﺎﻌﻟ ﺍﺎﻴﻮﺟﻟﻮﻨﻜﺘﻟﺍ ﻡﻭ ﺪﻘﺘﻟﺍﺔﻴﺠ ﺘﻧﺖﻧ ﺎ ﺘﻲﻛ ﻟﺍﺔ ﻤﻟ ﻮ ﻌﻟ ﺍ – I I . ﺔ ﻴﻤﻟﺎ ﻌ ﻟ ﺍ ﺎﺕﻗﺎﻔﺗﺍﻻﺔ ﻴﺠ ﺘﺎﺕﻧ ﻣﻮ ﻜﻟﺤﺍ .ﺮﺗﻮﻴﺒ ﻤﻜ ﻟ ﺍﺗﺎﻻﺕﻭﺍﻻﺼ ﺎﺕﻭ ﻣﻮﻠﻌﻤﻟ ﺍﺎﻴﻮﺟ ﻟ ﻮ ﻨ ﻜ ﻡﺗ ﺍ ﺪ ﺘﺨ ﺍﺳ ﻠﻰﺩﻋ ﺎﻤﺘﺍﻻﻋ ﻊ ﻴﻮﺳ –ﺗ . ﺎﺕ ﻛﺮﻟﺸ ﺍﺔﻓﻲ ﻴﻧﻮﻳﺪﻤ ﻟ ﺍ ﻴﺾ ﻔ–ﺗﺨ ﻴﻦﻤﺎﻫ ﻤﺴ ﻟ ﺍﻮﻕ ﻘﻡﺣ ﻮﻬﻔﺮﻓﻲﻣ ﻴﻐﺘﻟ ﺍﻳﻞ ﻮﻤﺘﻟ ﺍ ﻡﻮﻬﻔﻠﻰﻣ ﺮﺕﻋ ﺛﺃﺘﻲ ﻟﺍﺍﺙ ﺪﺍﻷﺣ ﺍﺕﻭ ﺭ ﻮ ﺘﻄ ﻟ ﺍ ﺍﻫﻢ–ﻭ .ﺎﻬﻴﻠﺮﻋ ﻴﻄ ﻳﺴﺔﻭ ﻛ ﺮﻟﺸﺍ ﻜﻢﻣﻦﻳﺤ ﻭ :ﺔﻴﻠ ﻴﻐﺘﺸ ﻟﺔﺍﺌﻴﺒﻟﺍﻳﻞﻭ ﻮ ﻤﺘﻟ ﺍ ﺔﻓﺴ ﺎﻨﻤﻟﺍﺓﺪﺩﺣ ﺎﻳﺩﺯﺍﺎ ﺯﻫﺮﺑﺃﺎﻥﺍﺕﻛ ﺮﻴﻐﺘﺓﻣ ﺪﻌﺔﺑ ﻳﺩ ﺎﺘﺼ ﻗ ﺍﻻ ﻧﺐﺍﻮ ﻟﺠﺍ ﻳﻦﻣﻦ ﺮﻴﺍﻷﺧ ﻳﻦﺪ ﻘﻌﻟﺍﺰّ ﻴﻤ ﺗ ﻮﺟﻲ ﻟ ﻮ ﻨﻜﺘﻟ ﺍﻡ ﺪﻘﺘﻟ ﺍﻟﻰﺔﺇ ﻓﺎ،ﺇﺿﺩﻱ ﺎ ﺘﺼ ﻗﺍﻻ ﺎﻁﻨﺸ ﻟ ﺍﺮﻓﻲ ﺎﺷ ﺒﻤﻟ ﺍﻣﻲ ﻮﻜ ﻟﺤﺍﺪﺧﻞ ﺘ ﻟﺍﺘﻀﺨﻢﻭ ﻟ ﺍﺓ ﺪﻭﺣ ﺎﻝﻷﻤ ﺍﻋ ﺂﺕﻨﺸﻪﻣ ﺍﺟﻮﺬﻱﻳ ﻟ ﺍﻷﺮ ﺒﺍﻛ ﺪﻱ ﺘﺤ ﻟ ﺍﺒﺢ ﺃﺻ،ﻭﺎﺕ ﻛﺮﻠﺸﻟﺔ ﻴﻋﺎﻤﺘﺍﻻﺟ ﺔﻴﻟ ﻭ ﺆﻤﺴ ﻟ ﺍ ﺪﻳﺍﺰﺗﺋﻞﻭ ﺎﻬﻟ ﺍ .Global i zat iﺔon ﻤ ﻟ ﻮﻌﻟﺍﻮﻟﻲﻫ ﺎ ﻟﺤ ﺍﻗﺖ ﻮﻟﺍﻓﻲ ً ﺎ ﻴﻤﻟﺎﺎﻭﻋًﻴﻤ ﻴﻠﻗﺇﺎﻭ ًﻴﻠ ﺎﻣﺤ ﻬﺘﻬﺍﺟﻮﻤﻟﺓﺪ ﻳ ﺪ ﺎﺕﺟ ﻴ ﻟﻭﺆﺮﻣﺴ ﻳﺪﻤ ﻟ ﺍﻡ ﺎﻣﺃﺒﺢ ﺃﺻ ﺍﺕﺮﻴﻐﺘﻟﺍﻩﺬ ﻓﻲﻇﻞﻫ ﻟﻚﻡﺫ ﺎﻣﺃ،ﻭﻠﻲ ﻤﻌﻟ ﺍﺪﻴﻌﻟﺼﺍ ﻠﻰﺎﻋًﻴ ﻓﺴ ﺎﻨ ﺗﺎﻭًﻴ ﻌﻳﺮﺗﺸ ﺎﻭ ًﻳ ﺩﺎﺘﺼ ﻗﺍﺎﻭً ﻴ ﻮﺟ ﻟ ﻮ ﻨﻜﺗ،ﻭﻓﻲ ﺍ ﺮﻐ ﻟﺠﺍﺪ ﻴﻌﻟﺼ ﺍﻠﻰ ﻋ ﻣﻞ ﺎ ﻌ ﺘﻠ ﻟﺭﻱ ﺍ ﺩﺍﻹ ﻷﺀ ﺍ ﺍﺩ ﺮﻳ ﻮ ﺗﻄﻪﻭﺘﺆﺳﺴ ﺎﺡﻣ ﻧﺠﺔﻹ ﻴﻜﻴﻣﺎﻨﻳﺪﺮﻙﺑ ﺘﺤ ﺃﻥﻳ ﺮﻳﺪﻤﻟ ﺍ ﻠﻰﺎﻋ ً ﻣ ﺍ ﺰﻟ ﺒﺢ ﺃﺻ ﺎﺝﺘﺎﺟﺢﻳﺤ ﻨﻟ ﺍﺮﻳﺪﻤﻟﺍﺔﻧﺸﻄ ﺃﺎﻁﻣﻦ ﺃﻥﻛﻞﻧﺸ ﺎ ﻤﺑ.ﻭﺓﺪﻳﺪﻟﺠ ﺍﺎﺕ ﻴﻟﻭﺆﻤﺴ ﻟ ﺍﻩﺬﻊﻫ ﺔﻣ ﻴﻠﺎﻋﻓﺓﻭ ﺀﺎﻔﻜﺑ ﻟﻰ ﻮﻝﺇ ﻮﺻ ﻠﻟﻠﻲﻳﻮﻤﺘﻟﺍﺮﻨﺼ ﻌ ﻟﺍﻴﻂ ﻼﺪﻣﻦﺗﺨﻄ ﻟﻲﻓ ﺑ ﺎﻤﻟ ﺍﻴﻂ ﺘﺨﻄ ﻟﺍﻪ ﻨﺀﻣ ﺰﻛﺠ ﻣﻞﻭ ﺎﻴﻂﺷ ﻟﻰﺗﺨﻄ ﺇ . ﺔﻤﺋﻤﻼ ﻟ ﺍ ﺔﻠ ﻣ ﺎﻟﺸﺍﺔ ﻟﺨﻄ ﺍﻟﻲ ﺎ ﺘﻟ ﺎﺑﺔﻭ ﻴ ﻟ ﺎﻤﻟﺍﺔﻟﺨﻄ ﺍ ،ﺔﻧﺸﻄ ﺍﻷﻩﺬﺮﻣﻦﻫ ﻴﺜﻜﻟﺎﺳﻲ ﺍﻷﺳ ﺮﻨﺼ ﻌﻟ ﺍﻮ ﺭﻱﻭﻫ ﺍ ﺩﺎﻁﺇ ﺔﻷﻱﻧﺸ ﻴﻴﺴ ﺋﺮﻟ ﺍ ﺮ ﺎﺻ ﻨﻌﻟﺍﺪﺍﺣ ﻳﻞﻮ ﻤﺘﻟ ﺎﻓ ﺍﺎﻝﻭ ﻤﻟﺍﻋﻢﻟ ﺔﻓﻲﺎ ﻴﺎﺳﺍﻷﺳ ﺎﺕ ﻠﺤﻤﺼﻄ ﻟﺍﺓﻣﻦ ﺮ ﻴﺍﻷﺧ ﺍﺕﻮ ﻨ ﻟﺴ ﺍﻳﻞﺧﻼﻝ ﻮﻤﺘﻟﺍﻠﺢﺒﺢﻣﺼﻄ ﺃﺻ ﻟﻚﺬﻟ .ﺎﺕﺍﺳ ﺭﺪﻟ ﺍﺘﺐﻭ ﻜﻟﺍﻊﻭﺍﺟ ﺮ ﻤﻟﺍﺮﻣﻦ ﻴ ﺜﻜﻟﺍﻪﻟﻮﺘﺐﺣ ﻜﺎﻓًﻴ ﻤﻳ ﺩﺎﻛﺃﻪ ﻡﺑﺎﻤﺘﺍﻻﻫ ﺭﻮﺎﺗﻄ ﻤﺎ،ﻛﻷﻤﻝ ﻋ ﺃﻥ ﺔﻳﺠﺐ ﻳﻮﻤﻨﺔﺗﺔﺧﻄ ﻳﺃﺃﻥ ﻨﻲﻌﺎﻳﻤﺔﻣ ﻳ ﺩﺎﺘﺼﻗﺍﻻ ﺔﻴﻤﻨﺘﻟ ﺍ ﺎﺕ ﻘﻠﺃﻫﻢﺣ ﺪﻯ ﻳﻞﺇﺣ ﻮﻤﺘ ﻟ ﺍﻜﻞ ﻳﺸ ﺍﻻ ﻡ ﻮﻠ ﻌﻟﺍﻭﻉﺮﺎﻣﻦﻓ ً ﻴ ﺎﺳﺃﺳﺎﻭً ﻤﻬﺎﻣ ﺮﻋﻮﻱﻓ ﻴﻟﺤﺍﺀﺰﻟﺠ ﺍﺍﺬﺒﺢﻫ ﺃﺻ ﺪﻗ،ﻭﺎﻬﻠﻳ ﻮﻤ ﺭﺗﺩﺎﻤﻦﻣﺼ ﺘﻀ ﺗ .ﺔﻳﺩﺎﺘﺼ ﻗ ﺃﻥ ﺓﺮﻴﺜﺎﺕﻛ ﺍﺳﺭﻨﺖﺩ ﻴﺪﺑ ﻗﻋ،ﻭ ﻡﻜﻞﺎ ﺎﻁﺑﺸ ﺃﻱﻧﺸ ﺔﻣﺎﻗﺮ ﺽﺇ ﺘﻌ ﺋﻖﻳ ﺎﺃﻫﻢﻋ ﻳﻞﻮﻤ ﺘﻟ ﺍ ﺔﻠﻜﺪﻣﺸ ﻌ ﺗ ﻭﻝ ﺮﻣﻦﺩ ﻴﺜﺎﺕﻛ ﻳ ﺩ ﺎ ﺘﺼ ﻗﺮﻓﻲﺇ ﻤﺘﻤﺴ ﻟ ﺍ ﻊﺍﺟﺮﺘﻟﺍﺀﺍ ﺭﻘﻒﻭ ﺬﻱﻳ ﻟﺍﺒﺐ ﻟﺴ ﺍ ﻮﻪﻫ ﺗ ﺭﺪﻭﻧ ﺃ ﻳﻞ ﻮﻤﺘﻟﺍﺎﺏ ﻴﻏ .ﺔﻴﻣﺎﻨ ﻟﺍﻭﻝ ﺪﻟﺍﺔ ﺎﺻ ﻟﻢﺧ ﺎﻌﻟ ﺍ :ﻟﻲﺎﻤﻟﺍﺎﻡﻨﻈ ﻟ ﺍ ﺎﺕﻣﺪ ﻊﺑﺨ ﻤﺘﻤﺠ ﻟ ﺍﺩﻭﺰﻮﻳ ﻬ،ﻓﺔﻟﻭﺃﻱﺩ ﺎﺕ ﻳﺩ ﺎﺘﺼ ﻗﺔﻻ ﻴﺎﺳﺍﻷﺳ ﺎﺕ ﻧ ﻮ ﻜﻤﻟﺍﺪﺍﺣ ﻟﻲﺎﻤﻟﺍﻡ ﺎ ﻨﻈ ﻟﺍﺮﺒﺘﻌﻳ ﻡﺎﻬﻣ ﺋﻒﻭ ﺎﺃﻫﻢﻭﻇ ﻠﺨ ﺺ ﺘﺗ ،ﻭﻤﻞ ﻌﺃﻥﻳ ﺮﺎﺿ ﻟﺤﺍﻗﺖ ﻮﻟ ﺍ ﺩﻓﻲ ﺎ ﺘﺼ ﻗﺍﻻ ﻊﻴﺘﻄﺎﻻﻳﺴ ﻬﻧﻭﺔﺩ ﻴﺎﺳ ﺃﺳ : ﻠﻲ ﺎﻳﻤﻟﻲﺑ ﺎ ﻤﻟﺍﻡ ﺎﻨﻈﻟ ﺍ :Cr ediﺎﻥt ﻤﺘﺋﺍﻻ ﻳﻢﺪ ﻘ-ﺗ 1 ﺍﺕ ﺭﺎ ﻤﺜﺘﺍﻻﺳ ﻳﻞﻮﻤﺗ ﺎﺕﻭ ﻣﺪﻟﺨﺍ ﻠﻰﻮﻝﻋ ﻟﺤﺼ ﺍ ﻊﻭ ﻠ ﻟﺴ ﺍﺀﺍﺮﻳﻞﺷ ﻮ ﻤﺘﻟﺍﻼﻡ ﺎﻥﻟﺯ ﻤﺘﺋﺍﻻ ﻳﻢﺪﻘ ﺇﻥﺗ ﻟﻰﺩﻱﺇ ﺆ ﺓﺗﺰﻬﺍﻷﺟﺍﺕﻭ ﺪﻌﻤ ﻟ ﺍﺍﻵﻻﺕﻭ ﺀﺍﺮﺎﻭﺷ ﺮﻫﻴﺮﻕﻭﻏ ﻟﻄﺍﺍﺕﻭ ﺀﺎﻧﺸﺍﻹ ﻧﻲﻭ ﺎﺒﻤﻟ ﺍﺔ ﻣﺎﻗﺈﺔﻛ ﻴﻟ ﺎﻤﺃﺳ ﺮﻟ ﺍ . ﺩﺍ ﺮ ﻓ ﺍﻷ ﺔﻴﺸ ﻌﻮﻯﻣ ﺘﻊﻣﺴ ﻓﻟﻲﺭﺎﺘﻟ ﺎﺑ ﻊﻭ ﻤﺘﻤﺠ ﻠﻟﺔﺎﺣ ﺘﻤﻟ ﺍ ﺩﺭﺍ ﻮﻤﻠﻟ ﺔﻴﺎﺟ ﺘﻧ ﺍﻹ ﺓﺩ ﺎ ﻳﺯ : Pay ment ﺎﺕs ﻣﺍ ﺰﺘﻟﺍﻻ ﺀﺍﺩ ﺃﺎﺕﻭ ﻘﺘﺤﻤﺴ ﻟ -ﺩﻊﺍ 2ﻓ ﺮﻯﺍﻷﺧ ﻊ ﻓ ﺪﻟﺍﺋﻞﺎﻭﺳﺎﺕﻭ ﻜﻴﺔﻭﺷ ﻳﺪﻘﺔﻧ ﻠ ﻤﻜﻞﻋ ﺎﺕﻓﻲﺷ ﻣﺍﺰﺘ ﻟﻟﻼ ﻷﺀﺍ ﺍﺩ ﺔﻠ ﻴﻟﻲﻭﺳ ﺎﻤﻟﺍﻡ ﺎ ﻨﻈ ﻟ ﺍ ﺮﻓﻮﻳ ﺍﻻ ﺗﻒﻭ ﺎ ﻬﻟﺍﻳﻖﺮﻊﻋﻦﻃ ﻓﺪﻟ ﺍ ﻡﺎ ﻧﻈﺮﻙﻭ ﺘﻤﺸﻟﺍﻟﺴﺤﺐ ﺍﻡﺎﻧﻈﺎﺕﻭ ﺑﺎﻟﺤﺴ ﺍﻟﻚ ﺬﻛﺪﻭ ﻘﻨﻟﺍﺍﻕ ﻮﺃﺳ ﺜﻞ ﻣ .ﺔﻴﻧﻭﺮ ﺘﻜﻟﺍﻻ ﺓﺰﻬﻣﺍﻷﺟﺎﻦ ﺮﻫ ﻴﻏﻧﺖﻭ ﺮﺘ ﻧ ﻳﻖ ﺮﺎﺕﻋﻦﻃ ﻣﺍﺰﺘ ﻟﺍﻻﺀ ﺍ ﺩﺃﺎﻥﻭﻤﺘﺋﺍﻻ ﻨﺢﻡﻣ ﺎﺄﻋﻦﻧﻈ ﻨﺸ :ﻳCr eat iﺩonMoney ﻮ ﻘﻨﻟ ﺍ ﻠﻖ-ﺧ 3 ﻣﻞ ﺎﻌﺘﻟﺍﺃﻱ ﺩﻮﻘ ﻨﻟﺍﻠﻖﺓﻭﻫﻲﺧ ﺪﻳﺪﺔﺟ ﻔﻴ ﺎﺕﻭﻇ ﻜﻴﻟﺸﺎﻣﻞﺑ ﺎﻌﺘﻟﺍ (ﻭ ﻵﺔ ﻴﺍﻟﺓ) ﺮﻜﺘﺒﻤﻟ ﺍ ﻊ ﻓﺪﻟﺍﺋﻞﺎﻭﺳ I II .ﻮﻙ ﻜﻤﺴﻟﺍﻭﺃﻮﻉ ﺒ ﻤﻄ ﻟ ﺍ ﺪﻱ ﻴﻠﻘﺘﻟﺍﻜﻞ ﻟﺸ ﺍﺬﺘﺨ ﺎﻭﻻﻳ ﻘﺑﺎﺮﺳ ﻓﻮﺘﻟﻢﻳ ﺪﻘﻨﺑ ﺍﻷ ﻧﺐ ﺎﺀﻣﻦﺟ ﺍ ﻮﺭﺳ ﺎﺩﺧﻟﻼ ﺬﻓ ﺎ ﻨﻠﻖﻣﻟﻰﺧ ﻟﻲﺇ ﺎ ﻤﻟﺍ ﻡﺎﻨﻈ ﻟ ﺍﺩﻱ ﺆ :ﻳSav i ﺍﺕng ﺮﺪﺧﻤﻟﻊﺍ ﻴﻤ-ﺗﺠ 4 ﺭﻓﻲ ﺎ ﻤ ﺜﺘﺍﻻﺳ ﻮﻩﻧﺤﺎﺗﺠﺍﻻﺮﻭ ﺎﺿ ﻟﺤ ﺍﻗﺖﻮ ﻟ ﺍ ﻬﻼﻙﻓﻲ ﺘﺍﻻﺳ ﺀ ﺎ ﺭﺟ ﻟﻰﺇ ﺩﻱﺇ ﺆﺎﻳﻤﺎﺕﻣ ﺆﺳﺴ ﻤﻟﺍﻭﺃ ﺩﺍﺮﻓ ﻴﺚ ﻟﻲﺣ ﺎﻤﻟﺍ ﻡ ﺎ ﻨﻈﻟﺍﺀﻣﻦ ﺰﺘﻲﻫﻲﺟ ﻟﺍﺔﻴﻟ ﺎﻤﻟﺍﺍﻕ ﺭ ﻭ ﺍﻷ ﺭﻓﻲ ﺎ ﻤﺜﺘ ﺍﻻﺳ ﻟﻚ ﺬﻛﻡﻭ ﺎ ﻨﻈﻟﺍﺍﺬﺩﻫ ﻮﻇﻞﻭﺟ ﺀﻓﻲ ﺍ ﻮ ﻟﻚﺳ ﺑﻞﺫ ﺎ ﻘﺪﻣ ﺋﺎ ﻠﻰﻋ ﻮﻝﻋ ﻟﺤﺼ ﺍ ﻴﻦﻭ ﺮﺿ ﺘﻘﻤﻟﺍﻟﻰ ﻬﻢﺇ ﻟ ﺍﻮﻣ ﺃﺋﺾ ﺎﺍ ﺽﻓ ﺮﻗﻳﻦﺇ ﺮ ﺪﺧ ﻤﻠ ﻟ ﻜﻦ ﻤﻳ .ﺔﻴ ﻟ ﺎﻤﺃﺳ ﺎﺡﺭ ﺑﺭﺃﻭﺃ ﺎﺕﻌﻳﺯﻮﻭﺗ ﺃﺪﺋﺍﻮﻜﻞﻓ ﺷ ﺑﻼ ﺮﺜ ﻤﺎﺗﻬﻧﺈ ﻴﻦﻓ ﺮﺿ ﺘ ﻘﻤ ﻟ ﺍﻟﻰﻴﻦﺇ ﺮﺿ ﻘﻤ ﻟﺍﺃﻱﻣﻦ ﻟﻲﺎ ﻤ ﻟ ﺍ ﻡﺎﻨﻈ ﻟ ﺍﺍﺧﻞ ﺍﻝﺩ ﻷﻮﺍﻣ ﻳﻚ ﺮﻟﻰﺗﺤ ﺔﺇ ﺒﻨﺴﻟﺎﺎﺑﻣﺃ :ﺔﻔﻠﺘﺍﺣﻞﻣﺨ ﺮ ﺔﻣ ﺛ ﻴﺚ ﺮﺣ ﺎﺷﺒﻤﻟ ﺍﻳﻞﻮﻤﺘﻟﺍﻡﺎﺎﻧﻈ ﻳﻀ ﺃﻤﻰ ﻳﺴ،ﻭﻴﻦ ﺮﺿ ﺘﻘﻤﻟﺍﻴﻦﻭ ﺮﺿ ﻘﻤﻟﺍﻴﻦ ﺮ ﺽﺑ ﻘﻠﻟﺮﺎﺷﺒﻤﻟ ﺍ ﺎﻝﻻﻘ ﺘﺍﻧ – ﺔﻣﻦ ﻠﺴﻊﺳ ﻓﺪﻳﻦﺑﺪﻤﻟﺍﺪﻬﻌﺘﺔﻳ ﻟ ﺎﻟﺤﺍﻩﺬﻓﻲﻫ ،ﻭﺔ ﻴ ﻟﺎﺎﺕﻣ ﺆﺳﺴ ﻮﻥﻭﻻﻣ ﻴﻟ ﺎﺀﻣﺎﺎﻭﺳﻄ ﻤﻬﻨﻴﺪﺑﻮﺟ ﻻﻳ ﺎﺳﺐ ﻨﺪﻣ ﺋﺎﻟﻰﻋﺔﺇ ﻓﺎ ﺎﻹﺿ ﻪﺑﺗﺎﻮﻋ ﻓﺪﺍﻝﻣ ﻷﻮ ﺍﻣ ﺎﺣﺐ ﺩﺻ ﺮﺘ ﺘﻰﻳﺴ ﺒﻞﺣ ﻘ ﺘﻤﺴﻟﺍﺋﻦﻓﻲ ﺍ ﺪﻠﻟﺎﺕ ﻮﻋ ﻓﺪ ﻤﻟ ﺍ .ﻴﻒ ﻠ ﺘﺴ ﻟﺍﺮﺎﻃﺑﻞﻣﺨ ﺎﻘﻣ ﺍﻻ ﻊ ﺋ ﺎﻮﺏﺷ ﻠﺍﻷﺳ ﺍ ﺬ ﺮﻫﺒﺘﻌ،ﻳ ﺔﻴﻟﺎ ﻤﻟ ﺍﺍﻕ ﺭ ﻭ ﺍﻷ ﺭﺎ ﺗﺠ ﺓﻭ ﺮﺎﺳ ﻤﻟﺴﺍ ﻳﻖ ﺮﺍﻝﻋﻦﻃ ﻷﻮ ﺍﻣ ﺍﺽ ﺮﻗﺇﻨﺢﻭ –ﻣ ﺍﻟﻰ ﺔﺇ ﺎﺟﻟﻰﻣﻦﻫﻢﺑﺤ (ﺇﺋﺾ ﺎﻓﺍﻝ)ﻷﻮ ﺍﻣ ﻬﻢ ﻳ ﺪ ﻟﻤﻦﺍﻝﻣ ﻷﻮ ﺍﻣ ﻘﻞ ﻨﻟ ﺮﺎﺷ ﺒ ﻤﻟﺍﻮﻉ ﻨ ﻠﻟﻳﻞﺪ ﺒ ﻟﺍﻡﻭ ﺍﺪﺘﺨ ﺳ ﺍﻝ ﻷﻮ ﻣﺍﻣ ﺋﺾ ﻦ ﺎ ﻔ ﻟ ﺍﻭﻱ ﻴﻦﺫ ﺀﺑﺎﻘﻠ ﻟﺍﺃﻥﺍﺬﻨﻲﻫ ﻌﻳﺮﻭ ﺎﺷ ﺒﻤﻟﺍﻪﺒﻳﻞﺷ ﻮ ﻤﺘﻟ ﺍﻤﻰ ﻳﺴ (ﻭﺰﺍﻝ)ﻋﺠ ﻷﻮ ﻣ ﺮﻫﻦ ﻟ ﺍ ﻮﻙﻨﺑ ﺭﻭ ﺎﻤ ﺜﺘﺍﻻﺳ ﻨﻚ ﻭﺑﺃﺮﺎﺟﺘﻟﺍﻭﺃ ﺭﺎ ﻤﺴ ﻟﺴﺍ ﻮﻟﺚﻭﻫ ﺎﺮﻑﺛ ﻳﻖﻃ ﺮﺘﻢﻋﻦﻃ ﺰﻳﻌﺠ ﻟﺍﻭﻱ ﺫﻭ .ﺪﻗ ﺎ ﻌ ﺘﻟ ﺍ ﺔﻴﻠﻤﻡﻋ ﺎﻤ ﺗﺔﻹ ﻠﻴﻮﺳ ﺭﻱﻛ ﺎ ﻘ ﻌﻟ ﺍ ﻣﻦﻫﻢ (ﻭ ﺍﺕﺮﺪﺧ ﻣﺍﻝ)ﻮﻣﺃ ﺋﺾ ﺎﻬﻢﻓﻳﺪﻟﺃﻥﻣﻦ ﺔﻧﻼﺣﻆ ﻠ ﺮﺣ ﻤﻟﺍﻩﺬ :ﻓﻲﻫ ﺮﺎﺷﺒﻤﻟﺍﺮﻴﻳﻞﻏ ﻮ ﻤﺘﻟﺍ– . ﺔ ﻳ ﺭ ﺎ ﺘﺠ ﻟﺍﻮﻙﻨﺒﻟ ﺍﺎﻬﻨ ﻣﻴﻦﻭ ﻴ ﻟﺎﻤﻟﺍﺀ ﺎ ﻮﺳﻄ ﻟ ﺍ ﻟﻰﻮﻥﺇ ﺌﻠﺠ ﺍ(ﻳ ﻷﻮﻝ ﺍﻣ ﺰﻓﻲ ﻬﻢﻋﺠ ﻳﺪ ﻟ ﺍﻝ) ﻮﻣﺃﻟﻰ ﺔﺇ ﺎﺟﺑﺤ : ﺔ ﻴﻠ ﻳﻮ ﻤ ﺘﻟﺍﺎﺕ ﺆﺳﺴ ﻤﻟ ﺍ ،ﺓﺩﺪ ﺎﺕﻣﺤ ﻔﺍﺻﻮﻣﻭﻁﻭ ﺮﻤﻦﺷ ﻪﺿ ﺎﺟﺘﻤﻦﻳﺤ ﻟﻳﻞ ﻮﻤﺘﻟﺍﻡ ﺪﻘﺘﻲﺗ ﻟ ﺍ ﻠﻚ ﺔﻫﻲﺗ ﻴﻠ ﻳﻮ ﻤﺘ ﻟﺍﺎﺕ ﺆﺳﺴ ﻤﻟﺍ ﻠﻰ ﻮﻻﺕﻋ ﻤﻌﻟ ﺍﺪﻭ ﺋ ﺍﻮﻔﻟ ﺎﺜﻞﺑ ﻤﺘﻤﻟﺍﺑﺢﺮﻟﺍﻴﻖ ﻘﺪﻑﺗﺤ ﻬﺎﺑً ﺒﻟﺎﻳﻞﻏ ﻮ ﻤﺘﻟﺍﻣﺞ ﺍﺮﺎﺕﺑ ﺆﺳﺴ ﻤﻟﺍﻩﺬ ﻡﻫ ﺪ ﻘﺗﻭ ﺎﻤﻴ،ﻓﻳﻞ ﻮﻤﺘﻟﺍﺔﺆﺳﺴ ﻤﻟﺔﻴﻠﻴ ﻐ ﺘﺸ ﻟ ﺍ ﺎﺕﻓﻭﺮﻤﺼ ﻟﺍﺪﻋﻦ ﻳﺰﺘﻲﺗ ﻟ ﺍﺓﻭ ﺪﻴﻔ ﺘ ﻤﺴ ﻟ ﺍﺔ ﻬ ﻠﺠ ﻟﺔﻮﺣ ﻨﻤﻤﻟ ﺍ ﻭﺽ ﺮ ﻘﻟ ﺍ ﻜﻞ ﺪﻑﺑﺸ ﻬ ﺑﺢﺗ ﺮﻟ ﺍﻟﻰ ﺔﺇ ﻓﺩﺎﺮﻫﻴﺔﻏ ﻴﻠﻳﻮﻤﻣﺞﺗ ﺍ ﺮﺔﺑ ﻴﻠﺍﻷﻫﺔﻭ ﻴﻣﻮ ﻜﻟﺤﺍﺎﺕ ﺆﺳﺴ ﻤ ﻟ ﺍﻌﺾ ﻡﺑ ﺪﻘﺗ ﺍﺔ ﻴ ﻟﺎﻤﻟﺍﺎﺕ ﺆﺳﺴ ﻤﻟ ﺍﺪﻣﻦ ﻳﺪﻌ ﻟ ﺍ ﺎﻥﺔﻓ ﻳﺭﺎ ﺘﺠ ﻟ ﺍ ﺭﻑ ﺎﻤﺼ ﻟﺍﻟﻰﺔﺇ ﻓﺎﺇﺿ .ﻭ ﺓﺩ ﺪﺎﺕﻣﺤ ﺎﻋﺓﻗﻄ ﺪﻌﻟ ﺎﺳﻲ ﺃﺳ :ﻧﻲﺎ ﻤ ﺘ ﺋﺍﻻﺩﻱ ﺎ ﺘﺼ ﻗ ﺍﻻ ﺎﻁﻨﺸﻟﺍﻠﻰﺍﺿﺢﻋ ﻜﻞﻭ ﺮﺑﺸ ﺛﺆ ﻠﻲﺗ ﻳﻮﻤ ﺘﻟ ﺍﺎﻝﻤﺠ ﻟﺍﻤﻞﻓﻲ ﻌﺮﻯﺗ ﻷﺧ . Speci al i z ﺔedBanks ﺘﺨﺼﺼ ﻤﻟ ﺍﺭﻑ ﺎﻤﺼ ﻟﺍ- Islami ﺔcBanks ﻴ ﻣ ﺍﻹﺳﻼ ﺭﻑ ﺎﻤﺼ ﻟﺍ- . Inv est mentTr ust ﺔs ﻳﺭﺎﻤ ﺜ ﺘ ﺍﻻﺳ ﺭﻑ ﺎﻤﺼ ﻟﺍ– .Speci alFinanci ngCor por at i ﺔons ﺘﺨﺼﺼ ﻤﻟﺍﻳﻞﻮﻤﺘﻟﺍﺎﺕ ﻛﺮ–ﺷ .I nsur anceCompani ﻴﻦes ﻣﺄ ﺘﻟﺍﺎﺕ ﻛﺮ–ﺷ .Accept ﻮﻝanceHouse ﺒﻘﻟ ﺍ ﻮﺕ ﻴ –ﺑ . Ot herFi nanci ﻭﻥng ﺮﺁﺧ ﻮﻥﻴﻟﺎ ﺀﻣ ﺎ –ﻭﺳﻄ ﻳﻞ ﻮﻤﺘﻠ ﻟﺎﻬﻤﻳ ﺪ ﻘ ﺔﻣﻦﺧﻼﻝﺗ ﻳﺭﺎ ﺘﺠ ﻟ ﺍﻮﻙ ﻨﺒﻟ ﺍ ﻤﻞﻌﻟ ﺔﻠﻤﻜ ﺎﻣﻬﻧﻮﻜ ﺎﺕﺑ ﺆﺳﺴ ﻤﻟﺍ ﻩ ﺬﺔﻫ ﻴﻤﺃﻫ ﻤﻦ ﻜﺗ ﺔﻓﻲ ﻴﻤﻨﺘﻟ ﺍﻴﻖﻘﺎﺕﻓﻲﺗﺤ ﺆﺳﺴ ﻤﻟﺍﻩﺬﺎﻫﻢﻫ ﺎﺗﺴ ﻤ،ﻛﺔ ﻳﺭﺎ ﺘﺠ ﻟ ﺍﻮﻙ ﻨﺒﻟﺍﻪﻨﺬﻱﺗﺤﺠﻢﻋ ﻟ ﺍ ﺍﻷﺟﻞ ﻳﻞ ﻮﻃ ﺔ ﻜﺒﻮﻥﻣﻦﺷ ﻜﺘﺬﻱﻳ ﻟﺍ ﻊﻭ ﻤﺘﻤﺠ ﻠ ﻟﻟﻲﺎﻤﻟ ﺍﻡ ﺎﻨﻈﻟﺍﻡﻓﻲ ﺎﺭﻫ ﻭﻌﺐﺩ ﻟﻟﻰ ﺔﺇ ﻓﺎ ،ﺇﺿ ﺎﻬﺎﺻﺘﺼ ﺍﺧ ﻣﺎﻻﺕ ﺠ ﺎ ﺭﻫ ﻭﺪﺘﻲﺑ ﻟ ﺍﺔﻣﻮ ﻜ ﻟﺤﺍﺎﻝﻭ ﻷﻤ ﺎﺍﻋ ﺭﺟﻝ ﺩﻭ ﺍ ﺮﻓﺍﻷ ﺎﺕﻭ ﻛﺮﻟﺸ ﺍ ﺔﻭ ﻴﻟ ﺎﻤ ﻟ ﺍ ﺎﺕﺆﺳﺴ ﻤﻟﺍ ﺔﻭ ﻴﻟ ﺎﻤ ﻟﺍﺍﻕ ﻮﻣﺍﻷﺳ ﻦ ﻴﺚ ،ﺣ ﺔﺎﺻ ﺔﺧ ﻤﻧﻈﺃﻴﻦﻭ ﻧ ﺍﻮﻪﻣﻦﺧﻼﻝﻗ ﺒﻗﺍﺮﺗ ﻪﻭ ﺗﺎﻴﻠ ﻤ ﺒﻂﻋ ﺗﻀ ﻨﻈﻢﻭ ﺗ ﻡﻭ ﺎﻨﻈﻟﺍﺍﺬﻳﻦﻫ ﻮﻜ ﺘﻡﺑ ﻮﻘﺗ ﻊ ﺋ ﺍﺩﻮﻟﺍ ﺍﺕﻭ ﺭﺎﻤ ﺜﺘﺍﻻﺳ ﻭ ﺽﻭ ﺮ ﻘﻟﺍﻨﺢﺎﺕﻣﻦﻣ ﺆﺳﺴ ﻤﻟﺍ ﻩﺬﺎﺕﻫ ﻴﻠﻤﻴﻢﻋ ﻨﻈ ﻠﻰﺗﺔﻋ ﻣ ﻮﻜﻟﺤ ﺍﻤﻞ ﻌﺗ I V ﺔ ﻳﺩﺎ ﺘﺼ ﻗﺍﻻ ﺔﻴﺎﻫﻓﺮﻟﺎ ﻗﺑﺍﺕﻋﻼﺔ ﺎﺕﺫ ﺆﺳﺴ ﻤﻟﺍﻩﺬ ،ﻻﻥﻫ ﻤﻲﻴ ﻠ ﻗﺍﻹﻊﻮﺳ ﺘﻟ ﺍﺔﻭ ﻴﻜﻠﻤﻟﺍﻮﻕ ﻘﺓﺣ ﺭﺍﺩﺇﻭ ﻟﺢﺎ ﻣﺼ ﺍﻝﻭ ﻮﻣ ﺃﻠﻰﺎﻅﻋ ﻔﻟﺤﺎ ﺔﺑ ﻟﻭﺪﻟ ﺍ ﻡﺎﻤﺘ ﺍﻫ ﻟﻰ ﺔﺇ ﻓﺎﺔﺇﺿ ﻟﻭ ﺪﻠﻟﺩﺎ ﺘﺼ ﻗﺍ ﺔﻧﺎ ﺘﺪﻯﻣ ﺔﻣ ﺭﺟ ﻠﻰﺩ ﺪﻝﻋ ﺗﻭ ﺍﻷﺭﺪ ﻤﺼ ﻟ ﺍﻊ ﺋ ﺍﺩﻮﻟﺍﻩﺬﻜﻞﻫ ﻴﺚﺗﺸ ﺎﺣًﻣﻮﻤﺔﻋ ﻴ ﻟ ﺎﻤﻟﺍﺎﺕ ﺆﺳﺴ ﻤ ﻟﺍﺪﻯ ﻟﻬﻢﻟﺍﻮﻣﺃﻮﻥ ﻋ ﺩﻮﻳﻦﻳ ﺬ ﻟ ﺍﺩﺍﺮﻓﺍﻷ .ﻪﻴ ﺒ ﻟﺎﻟﻄ ﻪﻨﺤ ﻤﺬﻱﺗ ﻟﺍﻳﻞﻮ ﻤ ﺘ ﻟ ﺍ ﻣﺞ ﺍ ﺮﺑﻭ ﺽﻭ ﺮﻘ ﻠ ﻟﺎﺳﻲ ﺳ :ﻨﻚ ﺒﻟ ﻡﺍﻮﻬ ﻔﻣ ﺎ ﺓﻣًﺩﺎ.ﻭﻋ ﺀﻤﻼ ﻌﻠ ﻟﻭﺽ ﺮﻘﻟﺍﻳﻢﺪﻘﺗﻊﻭ ﺋﺍﺩﻮﻟ ﺍ ﻘﻲ ﻠﺘﻨﺨﺼ ﺺﺑ ﺔﻧ ﻴﻟ ﺎﺔﻣ ﻛﺮﻭﺷ ﺃﺔﺆﺳﺴ ﻮﻣ ﻨﻚﻫ ﺒﻟ ﺍ ﺜﻞ،ﻣﺔﻴﻟﺎ ﻤﻟﺍﺎﺕ ﻣﺪﻟﺨ ﺍﻊﻴﻤﻳﻢﺟ ﺪ ﻘ ﻠﻰﺗ ﻮﻙﻋ ﻨﺒ ﻟﺍ ﻤﻞ ﻌﻟﻚﺗ ﺬ ،ﻛﺰﻱﻛﺮﻤﻟﺍﻨﻚ ﺒﻟ ﺍ ﺒﻞﺔﻣﻦِ ﻗ ﺮﺧﺼ ﻮﻥﻣ ﻜﺗ ﻣ. ﺔﺍﻵﻨ ﻊﺋﺍﺩﻮﻟﺍﻳﻖﺩﺎﻨﻤﻞﻓﻲ ﺻ ﻌﺎﺗﻤ،ﻛ ﻤﻼﺕ ﻌﻟﺍ ﻳﻞﻮ ﺗﺤﺔﻭ ﻴﻟﺎ ﻤﻟﺍﺍﻕﺭﻭﺎﻷﺭﺑ ﺎﻤﺜﺘ ﺍﻻﺳ ﺍﻝﻭ ﻷﻮﺍﻣ ﺓ ﺭ ﺍ ﺩﺇ ﻮﻙ ﻨﺒﻟ ﺍﺔﻭ ﻳﺭﺎ ﻤﺜﺘﺍﻻﺳ ﻮﻙ ﻨ ﺒﻟﺍ,ﺔﺘﺨﺼﺼ ﻤ ﻟ ﺍﻮﻙ ﻨ ﺒﻟﺍ:ﺎ ﻬ ﺃﻤ ،ﻫ ﻮﻙ ﻨﺒ ﻟﺍﺍﻉﻣﻦ ﻮﻧﺃﺓﺪ ﺎﻙﻋ ﻨﻡﻫ ﺎﻜﻞﻋ ﺑﺸ ﻭ ﻣ. ﺔﺍﻹﺳﻼﻴ ﻮﻙ ﻨ ﺒﻟﺍ,ﺔﻳﺭ ﺎﺘﺠ ﻟ ﺍ ﻨﻚﺒﻟ ﺍ ﻟ،ﻭﻣﻦ ﺎﺃ ﺔﻬ ﻌﺑﺎ ﺘﻟﺍﺔ ﻟ ﻭﺪﻟ ﺍ ﺓﻣﻦ ﺭﺩ ﺎ ﻟﺼ ﺍ ﻭﻁ ﺮﻟﺸﺍﻴﻦﻭ ﻧﺍ ﻮﻘﻟﺍ ﻡﻭ ﺎﻜ ﺎﻻﺣﻮﻙﺑ ﻨ ﺒﻟﺍﻩﺬﻡﻫ ﺰﺘ ﻠﺗ ﺎﻥﻤﺘﺋﺍﻻﺎﺕ ﻴﻠﻤ ﻌ ﻟﺎﻬﻟ ﺎﻤﻌﺘ ﺍﺳ ﺀﻭ ﻤﻼﻌﻟﺍﺍﻝﻣﻦ ﻷﻮ ﺍﻣ ﺬ ﺃﺧ ﻠﻰ ﺎﺳﻲﻋ ﺃﺳ ﻜﻞ ﻮﻙﺑﺸ ﻨ ﺒﻟﺍﻡ ﻮﻘﺗ .ﻭ ﺰﻱ ﻛﺮﻤﻟ ﺍ ﺔﻭ ﻳ ﺩ ﺎ ﻤﻟﺍﺍﺕ ﺭﺎ ﺘﺸ ﺍﻻﺳ ﻡ ﺪ ﻘﺎﺗﻤ،ﻛ ﺔﻮﻋ ﻨ ﺘﻤﻟﺍ ﺔﻴﻟ ﺎﻤﻟﺍﺍﺕ ﺭ ﺎ ﺜﻤﺘﺎﻻﺳﻮﻙﺑ ﻨ ﺒ ﻟ ﺍﻡﻮ ﻘﻟﻚﺗ ﺬ،ﻛ ﺔﻋﻮﻨﺘﻤﻟ ﺍ .ﻤﻼ ﻌﻟ ﺍﺩﻭ ﺍﺮﻓﻟﻸ ﺔﻳﻮﻨ ﻌ ﻤﻟ ﺍ : ﺮﻑ ﻤﺼ ﻟﺍﻮﻡﻬﻔ.ﻣ ﻨﻚﻋﻦ ﺒﻟ ﺍ ﻴﻞﻐﺘﺸ ﻠﻖﺑﻌﺘﺎﻳﺃﻱﻛﻞﻣ ؛(ﺎﺵ ﻜﻟﺎﺎﺵﺑ ﻜﻟﺍ ﺪ) ﻘﻨﻟ ﺎﺪﺑﻘﻨﻟ ﺍﻊ ﻴﺎﺕﺑ ﻴﻠﻤﻌﺮﻑﺑ ﻤﺼ ﻟﺍﻡﻮﻘﻳ ﺎﺳﻲ ﺍﻷﺳ ﺮﻕﻔﻟﺍﺮﻛﺪﻣﻦﺫ ّ.ﻭﻻُ ﺑ ﺔ ﻴ ﻓ ﺮﻤﺼ ﻟ ﺍ ﺎﺕ ﺑﺎ ﻟﺤﺴ ﺍﻠﻒ ﺘﺔﻓﻲﻣﺨ ﻴﻟ ﺎﻤ ﻟ ﺍ ﺓﺭﺍ ﺩﺍﻹﺍﻝﻭ ﻷﻮﺍﻣ ﻳﻖﺮﻃ ﺘﻲﻟﺍﻮﻙﻨﺒﻟ ﺍ ﺭﻮﻬﻊﻇ ﺭﻑﻣ ﺎﻤﺼ ﻟ ﺍ ﺮﺕﻬ ﻴﺚﻇ ،ﺣ ﺎﻤﻬﻨﺓﻛﻞﻣ ﺄ ﺔﻧﺸ ﻌﻴﺒﻴﺢﻃ ﻮﺿ ﺗﻨﻚﻭ ﺒ ﻟﺍﺮﻑﻭ ﻤﺼ ﻟ ﺍ ﻴﻦﺑ ﻮﺏ ﺒﻟﺤﺍ ﻭﺽ ﺮﻳﻢﻗ ﺪﻘ ﺘﺔﺑ ﺘﺨﺼﺼ ﻧﺖﻣ ﺎ ﻴﺚﻛ ،ﺣ ﻴﻦ ﺭﻋﺍﺰﻤﻠ ﻟﻭﺽ ﺮ ﻘ ﻟ ﺍ ﻳﻢﺪﻘﺘﻟﺔ ﺘﺨﺼﺼ ﻧﺖﻣ ﺎﻛ ، ﺍﻵﻥ ﺬﻨﻡﻣ ﺎ ﻴﻦﻋ ﻔﻟﺃﺭﺏ ﺎ ﻘﺎُ ﻳ ﺒﻞﻣ ﺍﻗ ﺬﺎﻥﻫ ﻛ.ﻭ ﺮﺁﺧ ﻟﻰ ﺎﻥﺇ ﻜﻊﻣﻦﻣ ﺋﺎﺒﻀﻟﺍﺔ ﻠﻤﻮﻥﺣ ﻟ ﻮ ﺘﺠﻤﻟﺍ ﺭﺎ ﺘﺠ ﻠ ﻟﻭ ﻮﺳﻄﻰ ﻟ ﺍﺭﻮ ﻌﺼ ﻟ ﺍ ﺔﻓﻲ ﺎﺻ ﻩﻭﺧ ﺭّ ﻮﻟﻰﺗﻄ ﺩﺕﺇ ﺃﺘﻲ ﻟ ﺍ ﺍﺣﻞ ﺮ ﻤ ﻟﺍﺪﻣﻦ ﻳ ﺪ ﻌ ﻟ ﺎﻓﻲﺑ ﺮ ﻤﺼ ﻟﺍﻡﺎﻨﻈﻟﺍﺮﺛﻢﻣ ﺔ. ﻬﻀ ﻨﻟ ﺍ ﺮ ﻋﺼ ﻭ ﻟﻰﻮﻻًﺇ ،ﻭﺻ ﺮﺩﺱﻋﺸ ﺎﻟﺴﺍﺮﻥﻘ ﻟ ﺍﺔﻓﻲ ﺎﺻ ﺎﻭﺧ ﺑﻭﺭﻭ ﺃﺎﻝﻤﻟﻰﺷ ﻴﺼﻞﺇ ﻟﺭﻑ ﺎﻤﺼ ﻟﺍﺭﻮ ﺪﺗﻄﺘﻣ ﺍ ﺔﻴﺎﻋﻨﻟﺼﺍ ﺍﺕﺭﻮﺘﻄ ﻟﺍ ﺔﻭ ﻴﻜﻠﻟﺴﺍ ﺔﻭ ﻴﻜ ﻠ