AGRICULTURAL DEVELOPMENT BANK LTDSWOYAMBHU BRANCHTEL 00977 1 4280835, 00977 1 4302141FAX 00977 1 4281185DOWNlOAD THIS CONTENT AND CHANGE INTO THE PREETI FONTBY GOPAL REGMI
cjwf/0ff k/Ljt{g (Atitude Change)
p4]Zo M–
klzIffyL{x?sf] gsf/fTds, xtf]T;fxL, pbfl;g, k/Dk/fut tyf cg'zf;glxg b[li6sf]0fnfO{ k/Ljt{g u/L ;sf/fTds, pT;flx, ;s[o, g}ltsjfg, l;h{gfTds tyf cg'zf;glko z}ln tkm{ cu;/ u/fpg] .
e'ldsf M–
s'g} klg JolQm sfo{ ug{ ;Ifd x'g tyf ;kmn eO{ kutL xfl;n ug{df ;f] JolQmsf] z}lIfs of]Uotf tyf cg'ejn] dxTjk"0f{ e"ldsf lgjf{x ug]{ eGg] k/Dk/fut dfGotf af6 clek]/Lt eO{ ;f]lx adf]lhdsf kf7\o ;fduL adf]lhd k7g–kf7g x'g] tyf tflnd sfo{qmd ;+rfng ePsf] b]lvG5 . pk/f]Qm dfGotfdf s]lx dfq ;Totf ePtfsf]n] of]Uo hgzlQm agfpgdf ljz]if of]ubfg k'¥ofPsf] b]lv+b}g . pk/f]Qm s'/fx?sf] cltl/Qm s'g} JolQm sfo{ ug{ clek]l/t eO{ p;nfO{ ;kmn agfpgdf JolQmsf] b[li6sf]0f (Attitude) n] dxTjk"0f{ of]ubfg /fVg] x'G5 . ;sf/fTds, pT;flx, ;s[o, g}ltsjfg, l;h{gfTds tyf cg'zf;glko eP gePsf] s'/fn] ;f] JolQmsf] ;kmntfnfO{ dfu{bz{g ug]{ x'G5 . xfj8{ ljZjljBfnon] u/]sf] cWoogn] s'g} JolQm sfo{ ug{ / ;kmn x'gdf tYo (Facts) / cf+s8f (Figures) ;DjlGw hfgsf/Lsf] !%% e'ldsf /xg] tyf JolQmsf] b[li6sf]0f÷;f]+rfO{ (Attitude) sf] *%% e'ldsf /xg] lgZsif{ b]vfPsf] 5 . xfn ;Ddsf] tflnd ;DjlGw ljifoa:t'df olx !%% dfq e'ldsf /xg] ljifoa:t' nfO{ kd'vtf lbO{Psf] / *%% e'ldsf /xg] JolQmsf] b[li6sf]0f (Attitude) ;DjlGw ljifo g;d]l6Paf6 tYo (Facts) / cf+s8f (Figures) ;DjlGw tflndn] ;d]t cfzfltt kefjsf/Ltf b]vfpg ;s]sf] b]lv+b}g . ;f] sf] cnfjf klzIffyL{x?nfO{ r]tg / cjr]tg dl:tis sf] ;+rfng klqmof / ;f] sf] sfo{ k0ffnL tyf ;sf/fTds s'/fx?nfO{ cjr]tg dl:tisdf k'¥ofpg] cEof;sf] ljlwsf] af/]df hfgsf/L lbg ;s]df o;sf] kefjsf/Ltf df Jofkstf cfpg ;Sg] x'G5 . tYo (Facts) / cf+s8f (Figures) ;DjlGw tflnd ;+rfng ubf{ ;d]t cjwf/0ff k/Ljt{g tyf ljsf; ;DjlGw s]lx sIffx? ;dfj]; u/LPdf klzIffyL{x?sf] b[li6sf]0f ljsl;t x'g hfg] x'+bf ;Dk"0f{ tflndsf] kefjsf/Ltf a9\g hfg] x'G5 . o; dfGotf cg'zf/ JolQm sfo{ ug{df kf/L>lds dfq d'Vo ljifoa:t' ge} JolQmsf] b[li6sf]0f d'Vo ljifoa:t' x'g] x'+bf JolQmsf] b[li6sf]0f k/ljt{g ug{ ;lsPdf JolQmdf g]t[Tj zlQmsf] ljsf; x'g uO{ lhDd]jf/L lng] kljt[ a9\g] eP/ k/L0ffdd'lv sfo{ ug{ cu;/ x'g] / cfˆgf] sfo{ af6 Hofbf cfo cfh{g ug]{ cj;/x? :jo+ lgdf0f{ ug{ ;Sg] / ;f] sf] clwsf/ /fVg ;Sg] x'G5 .
ck]Iff M–
cjwf/0ff k/Ljt{g tyf ljsf; ;DjGwL tflnd af6 tflndsf] cjlw tyf ;d]l6g] ljifoa:t'sf] dfqfsf] cfwf/df lgDg s'/fx?df :ki6 u'0ffTds k/Ljt{gsf] ck]Iff u/LPsf] x'G5 .
v gsf/fTsdtf af6 ;sf/fTds b[li6sf]0f
v xtf]T;fxL af6 cfzfjfbL b[li6sf]0f
v pbfl;gtf af6 ;s[o sfo{z}nL
v k/Dk/fut ;f]+rfO{ af6 l;h{gfTdstf
v sdhf]/ g}ltstf af6 g}ltsjfg rl/q
v sdhf]/ cg'zf;g kfngf af6 cg'zf;g lkotf
v :jf:Yodf ;'wf/
v st{Jokfngf tyf lhDd]jf/L lng] efjgfdf a[l4
v ;xof]uL kgfdf a[l4
v lrGtf lng] kljQL af6 of]hgfa4 ;f]+rfO{ / sfo{z}ln sf] ljsf;
v ;xof]uL efjgfsf] ljsf;
v g]t[Tj zlQmsf] ljsf;
v af]Ng] snfsf] ljsf;
tflndsf ljifoa:t"x? M–
· Your dream and your life
· Leadership by Public Speaking
· How to achieve top position in life by inner motivation
· Winner versus looser
· Your sub-conscious mind and negative suggestions
· 7 ways to get peace in mind
· The treasure house within you
Uff]kfn /]UdL
- Zfvf clws[t s[= lj= a}+s
- Core Qualify Leader Life Vision International
NEW CREDIT MANUAL 2061
s[lif ljsf; a}+s ln=
-sDkgL P]g @)%# cg';f/ :yflkt_
zfvf sfof{no, ?kGb]xL
;f]wk'5–kmf/fd
a}+sdf klxnf] k6s shf{ dfu ug{ cfpg] ufxsnfO{ ;f]lwg] kZgfjnL
-shf{ sfo{ljlw @)^! sf] bkmf @=@ ;+u ;+alGwt_
!= gfd÷7]ufgf M /fdaxfb'/ cfn], dl0fufd #, cfgGbag uf=lj=;=, ?kGb]xL
afa'sf] gfdM ===========================
@= k]zf M s[lif
#= lzIff M ;fwf/0f n]vk9
$= ;+rfng ug{ rfx]sf] Joj;fo M Aofkf/
%= ;DalGwt Joj;fosf] 1fg÷cg'ej M @ aif{
^= cfkmgf] / cfkm\gf] kl/jf/sf] gfp+sf] :yfoL ;DklQ laa/0f -sfg"g ;Ddt_M
-s_ hUuf -lj3f÷s7[f÷/f]kgL_ M cfkm\gf] gfp+df @-)-) lj3f, kl/jf/sf] gfp+df === === ===, b'j}sf] ul/ cg'dflgt d"No ?=^,)),)))
-v_ 3/ – cfkmgf]÷kl/jf/sf] gfp+dfM – kSsL÷sRrL_ -! tn], &)) ju{ lkm6_
lgdf{0f u/]sf] cjwLM !) aif{
3/sf] cg'dflgt d"NoM ?=!,)),)))
-u_ cGo -kz'÷k+5L, pBf]u cflb_= b'x'gf] e}+;L !
u sf] hDdf cg'dflgt d"No ?=!%,)))
-3_ s, v / u sf] hDdf d'No ?=&,!%,)))
&= lwtf]df lbOg] hUuf÷3/====hUuf @ ljufx / 3/ cg'dflgt d"No, ?=&,)),)))=====================
*= kfl/jfl/s laa/0f M
-s_ kl/jf/ ;+Vof M hDdf * hgf
dlxnfM @ hgf, k'?if M # hgf, s]6fs]6L M # hgf
-v_ kl/jf/sf] aflif{s vr{ ?=^,%),)))
-u_ kl/jf/sf] -d'Vo d'Vo_ k]zf M
v]tL, kz' k+5L kfng, u}x s[lif ultljlw
-3_ kl/jf/sf] aflif{s s"n cfDbfgL ?=&,%),)))
(= ;+rfng ug{ rfx]sf] Joj;fo M
-s_ sf] lsl;dM d'Vo k]zf÷;xfos k]zfM ;xfos k]zf
-v_ sf] nflu sRrf kbfy{ cfk"lt{ x'g] ;a eGbf ghLssf] :yfg / b'l/ M e]}/xjf, !) ls=ld=
-u_ af6 pTkflbt tof/L ;fdfg laqmL ul/g] ahf/, ;jeGbf glhssf] :yfg / b'l/M :yfgLo
-3_ sf] cg'dflgt s"n nfut ?=#,!),))) :jnfut ?=@,)),)))
-ª_ dfu ug{ rfx]sf] shf{sf] lsl;d / /sdM ;+rfng ?=!,!),))), :yL/ M grflxg]
!)= s'g} JolQm jf laQLo ;+:yf ;+u shf{ sf/f]jf/ ePsf]÷gePsf], ePsf] eP sxf+ af6 / ltg{ af+sL /sd sxf+af6 /f=jf=a}+s a'6jn af6 ltg{ af+ls /sd ?=%),)))
!! ;f]wk'5 ug{] sd{rf/Lsf] /fo M shf{ dfu ug{ pko'Qm cfwf/ ePsf]÷gePsf] M pko'Qm cfwf/ ePsf]
!@= ;f]wk'5 ug{] sd{rf/Lsf] gfd ÷kb÷sf]8 g+= === === === === ==
;xL M=====================================
ldltM ====================================
!#= ;f]wk'5 ul/Psf] ufxssf] ;xL M ====================================
ldlt M ====================================
C:\TMC\Finalized Credit Manual Formats 2061\Anusuchi No. 1 Sodha Puchh Pharam .doc
cg';"rL #
s[lif ljsf; a}+s ln=
-sDkgL P]g @)%# cg';f/ :yflkt_
zfvf sfof{no, ?kGb]xL
kmf]g g+=====================
Kfm\ofS; g+=================
s[lif lasf; a+}ssf] shf{sf] nflu
cfj]bsn] k]; ug{'kg{] hfgsf/L÷sfuhftx?
-shf{ sfo{ljlw @)^! sf] bkmf @=# ;+u ;+alGwt_
-cfj]bsnfO{ lgb{]zgM cfjZostf cg';f/ lgDg lnlvt sfuhftx?sf] kltlnlkx? k]; ug{'xf]nf . cfjZos sfuhftx? kfKt ePkl5 shf{ clws[tn] b:tvt u/L ldlt ;d]t /fVg]5g / clen]vsf] nflu of] kmf/fd tkfO{nfO{ kmsf{pg] 5g . cfjZos sfuhftx? k]; gu/]df tkfO{sf] shf{ cfj]bgsf] kzf]wgdf l9nfO{ x'g hfg]5 jf kzf]wg cufl8 a9fpg cl:js[t ;d]t x'g;Sg] 5 ._
;f]wk'5stf{÷cfj]bssf] gfd÷7]ufgf M /fdaxfb'/ cfn] , dl0fufd uf=lj=;= ?kGb]xL,shf{sf] p2]Zo M Aofkf/
k]; ug'{kg]{ hfgsf/L÷sfuhftx?
-kltlnkLx? dfq h?/L ePdf kdfl0ft ug{'kg{]_
-s[lif lasf; a+}ssf] kof]usf] nflu dfq _
h?/L ePsf sfuhkqx? lrGx nufO dfu ug]{
kfKt u/]sf sfuhkqx?df lrGx nufpg]
!=
cfj]bssf] gful/stfsf] kdf0fkq
Ö
Ö
@=
cfj]bssf] kf;kf]6{ ;fO{hsf] @ ktL kmf]6f]
Ö
Ö
#=
Z}lIfs kdf0fkqx?
$=
shf{ lng] s[= la= a+}ssf] sfof{nodf vf]n]sf] a+}s vftfsf] kdf0f -ePdf_
%=
s[=la=a+}s;Fusf] klxn]sf ;+jGwx?sf] ljj/0f
-vftf ga+/, zfvfsf] gfd cflb_
Ö
Ö
^=
cfo >f]tsf] kdf0f
&=
shf{ /sd / p2]Zoaf/] 5f]6f] ljj/0f
Ö
Ö
*=
lwtf];Fu ;+jlGwt sfuhftx? M
s= ljut ^ dlxgf leq gfkL clws[tn] kdfl0ft u/]sf] hUufsf] gS;f
Ö
Ö
v= nfnk"hf{ jf cGo ;+klQsf] nflu :jfldTjsf] kdf0f
Ö
Ö
u= rfn' cf=a=sf] dfnkf]t lt/]sf] /;Lb
Ö
Ö
3= gfkL x'g afFsL 3/ hUufsf] nflu, e"ld ;'wf/ sfof{non] hf/L u/]sf] kmf/fd $ / &
ª lwtf]df /flvg] hUufsf] gfkL gSzf / 3/n] rr{]sf] jf 38]l/ hUufsf] 6«]; u/]sf] gS;f ;d]t
r= gfkL gePsf] hUufsf] nflu ;+aGwLt lgsfosf] sfof{non] $ lsNnf kdfl0ft u/]sf] kq
5= lwtf]df /flvg] 3/sf] t:jL/ -kmf]6f]_]
h= ;x/L If]qsf] nflu ;+aGwLt lgsfoaf6 l:js[t gS;fx?
em= k:tfljt lgdf{0f sfo{sf] nflu O+lhgLo/n] u/]sf] nfut cg'dfg
`= :jfldTj x:tfGt/0f ePsf] ldltn] # aif{ gk'u]sf] cj:yfdf gfd;f/L jf >f]tsf] kdf0f÷lnvt -C0fLn] ;f] lwtf] s;/L kfKt u/]sf]_
Ö
Ö
6= t]>f] kIfsf] lwtf]sf] xsdf, ;f] kIfsf] d+h'/L kq, p;sf] gful/stf kdf0f kqsf] kltlnlk / @ yfg kmf]6f]x?
7= ;f] lwtf] cfj]bssf] g} xf] egL ;+alGwt gu/kflnsf jf ufpF ljsf; ;ldltn] u/]sf] l;kmfl/;kqx? ;+alGwt gu/kflnsf jf uf=lj=;af6 lwtf]sf] rf/ lsNnf kdfl0ft u/]sf]
-kdf0fkq_
Ö
Ö
(=
cfjZostf x]l/ ufpF lasf; ;ldlt, gu/kflnsf sfof{no, g]kfn ;/sf/sf] lgsfo jf bft[ ;+:yfsf] l;kmfl/; kqx?
!)=
v/Lb ug{ nfluPsf] pks/0fsf] aLn ljhs jf b/efp kq
-g]kfn ;/sf/sf] lgsfo jf s[=la=a+}s / s[=la=a+}sdf o:tf] ;fdfgsf] d"No clelnlvt ePdf aLn ljhs jf b/efp kq grflxg]_
!!=
d"No clej[l4 s/, cfos/, /fh:j :yfoL vftf ;+Vof -PAN_ sf] /lhi6«]zg kdf0fkqx?
Ö
Ö
!@=
ut cf=a=sf] cfos/ a'emfPsf] kdf0fkq
!#=
S+klg /lhi6«]zg sfuhftx?–kjGwkq / lgodfjnL, s+klg btf{ kdf0f kq
!$=
rfn' kl/of]hgfsf] xsdf ljut # aif{sf] n]vf k/LlIft af;nft / gfkmf–gf]S;fg lx;fjx?
-?=% nfv eGbf dflysf] kl/of]hgfdf dfq_
!%=
s[=la=a+}saf6 shf{ lng] af/] ;+rfns ;ldlt jf ;fem]bf/x?sf] lg0f{o
!^=
cfjZostf x]l/ a}s, ljlQo ;+:yf tyf Jofkfl/s 3/fgfaf6 lng'kg{] ;fv ;"rgf
Ö
Ö
!&=
cGo -shf{ clws[t÷;xfosn] tf]s] cg';f/_
Ö
Ö
s[lif lasf; a+}ssf] kof]usf] nflu dfq
;+alGwt shf{ cfj]bgnfO{ k'i6L ug{] u/L dflysf sfuhftx? kfKt ePsf] kdfl0ft ub{5' .
;f]wk'5stf{sf] btf{ g+=###
kfKt ldlt
@)^#.&.!(
shf{ clws[t÷;xfossf] gfd===========================
zfvf
==============================
b:tvtM======================================================
C:\TMC\Finalized Credit Manual Formats 2061\Anusuchi No. 3 Krishi Vikash Bankko Karjako Lagi Aabedakle Pes...doc