\u0645\u0642\u062f\u0645\u0629:
\n\u0645\u0639 \u062a\u0632\u0627\u064a\u062f \u0627\u0644\u0627\u0647\u062a\u0645\u0627\u0645 \u0628\u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0643\u0628\u062f\u064a\u0644 \u0644\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u060c \u0638\u0647\u0631\u062a *\u0627\u0644\u0635\u0643\u0648\u0643 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629* \u0643\u0623\u062f\u0627\u0629 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629 \u062a\u0644\u062a\u0632\u0645 \u0628\u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0634\u0631\u064a\u0639\u0629\u060c \u0644\u0643\u0646\u0647\u0627 \u062a\u0637\u0631\u062d \u062a\u0633\u0627\u0624\u0644\u0627\u062a \u062d\u0648\u0644 \u0645\u062f\u0649 \u0623\u0645\u0627\u0646\u0647\u0627 \u0648\u0641\u0639\u0627\u0644\u064a\u062a\u0647\u0627. \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0645\u0642\u0627\u0644 – \u0627\u0644\u0630\u064a \u064a\u0644\u062e\u0635 \u0645\u062d\u062a\u0648\u0649 \u0641\u064a\u062f\u064a\u0648 \u062f. *\u0645\u0646\u0630\u0631 \u0642\u062d\u0641* (\u062e\u0628\u064a\u0631 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a) – \u0646\u0633\u062a\u0639\u0631\u0636 \u0628\u0627\u0644\u062a\u0641\u0635\u064a\u0644:
\n\u2022\u2060 \u2060\u0645\u0627 \u0647\u064a \u0627\u0644\u0635\u0643\u0648\u0643 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\u061f
\n\u2022\u2060 \u2060\u0623\u0647\u0645 \u0645\u0645\u064a\u0632\u0627\u062a\u0647\u0627 \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629.
\n\u2022\u2060 \u2060\u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u062d\u062a\u0645\u0644\u0629 \u0648\u0627\u0644\u0636\u0648\u0627\u0628\u0637 \u0627\u0644\u0634\u0631\u0639\u064a\u0629 \u0644\u062a\u062c\u0646\u0628\u0647\u0627.
\n\u2022\u2060 \u2060\u0631\u0624\u064a\u0629 \u062f. \u0645\u0646\u0630\u0631 \u0642\u062d\u0641 \u0627\u0644\u062a\u062d\u0644\u064a\u0644\u064a\u0629 \u0644\u0647\u0630\u0647 \u0627\u0644\u0623\u062f\u0627\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/p>\n
—<\/p>\n
1. \u0645\u0627 \u0647\u064a \u0627\u0644\u0635\u0643\u0648\u0643 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\u061f \u0627\u0644\u062a\u0639\u0631\u064a\u0641 \u0648\u0627\u0644\u0623\u0646\u0648\u0627\u0639
\n\u062a\u064f\u0639\u0631\u0641 \u0627\u0644\u0635\u0643\u0648\u0643 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0628\u0623\u0646\u0647\u0627 \u0648\u062b\u0627\u0626\u0642 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629 \u062a\u0635\u062f\u0631\u0647\u0627 \u0627\u0644\u062d\u0643\u0648\u0645\u0627\u062a \u0623\u0648 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0644\u062c\u0645\u0639 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0644\u0645\u0634\u0631\u0648\u0639 \u0645\u0639\u064a\u0646\u060c \u0645\u0639 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0627\u0644\u0643\u0627\u0645\u0644 \u0628\u0645\u0646\u0639 *\u0627\u0644\u0631\u0628\u0627* \u0648*\u0627\u0644\u063a\u0631\u0631* \u0648*\u0627\u0644\u0645\u064a\u0633\u0631*\u060c \u0648\u062a\u0642\u0648\u0645 \u0639\u0644\u0649 \u0645\u0628\u062f\u0623 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u0631\u0628\u062d \u0648\u0627\u0644\u062e\u0633\u0627\u0631\u0629.<\/p>\n
\u0623\u0628\u0631\u0632 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0635\u0643\u0648\u0643:
\n\u2022\u2060 \u2060*\u0635\u0643\u0648\u0643 \u0627\u0644\u0645\u0636\u0627\u0631\u0628\u0629*: \u062a\u0645\u0648\u064a\u0644 \u0645\u0634\u0631\u0648\u0639 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a \u0645\u0639 \u0645\u0634\u0627\u0631\u0643\u0629 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0628\u0646\u0633\u0628\u0629 \u0645\u062d\u062f\u062f\u0629.
\n\u2022\u2060 \u2060\u0635\u0643\u0648\u0643 \u0627\u0644\u0625\u062c\u0627\u0631\u0629: \u062a\u0645\u0644\u0643 \u0623\u0635\u0644 \u0645\u0646\u062a\u062c (\u0645\u062b\u0644 \u0639\u0642\u0627\u0631) \u0648\u062a\u0623\u062c\u064a\u0631\u0647 \u0644\u0639\u0627\u0626\u062f \u062f\u0648\u0631\u064a.
\n\u2022\u2060 \u2060\u0635\u0643\u0648\u0643 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629: \u062a\u0645\u0648\u064a\u0644 \u0633\u0644\u0639\u0629 \u0623\u0648 \u062e\u062f\u0645\u0629 \u0648\u0628\u064a\u0639\u0647\u0627 \u0628\u0631\u0628\u062d \u0645\u0639\u0631\u0648\u0641.
\n\u0627\u0644\u0627\u062e\u062a\u0644\u0627\u0641\u0627\u062a \u0627\u0644\u062c\u0648\u0647\u0631\u064a\u0629 \u0628\u064a\u0646 \u0627\u0644\u0635\u0643\u0648\u0643 \u0648\u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629:
\n| \u0627\u0644\u0635\u0643\u0648\u0643 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 | \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 |
\n|- … \u0645\u0646\u0630\u0631 \u0642\u062d\u0641
\n\u0641\u064a \u0645\u0642\u0627\u0637\u0639 \u0627\u0644\u0641\u064a\u062f\u064a\u0648 \u0648\u0627\u0644\u0623\u0628\u062d\u0627\u062b \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0647\u060c \u064a\u0624\u0643\u062f \u062f. \u0645\u0646\u0630\u0631 \u0642\u062d\u0641 \u0623\u0646 \u0627\u0644\u0635\u0643\u0648\u0643 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0644\u064a\u0633\u062a \u0645\u062c\u0631\u062f \u0628\u062f\u064a\u0644 \u0631\u0645\u0632\u064a \u0644\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u060c \u0628\u0644 \u062a\u0645\u062b\u0644 \u0646\u0638\u0627\u0645\u064b\u0627 \u0645\u062a\u0643\u0627\u0645\u0644\u064b\u0627 \u0642\u0627\u0626\u0645\u064b\u0627 \u0639\u0644\u0649 \u0627\u0644\u0639\u062f\u0627\u0644\u0629. \u0648\u0645\u0646 \u0623\u0628\u0631\u0632 \u0645\u0645\u064a\u0632\u0627\u062a\u0647\u0627:<\/p>\n
\u0623. \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0627\u0644\u0634\u0631\u064a\u0639\u0629:<\/p>\n
\u2022\u2060 \u2060\u062a\u0645 \u062a\u0635\u0645\u064a\u0645\u0647\u0627 \u062a\u062d\u062a \u0625\u0634\u0631\u0627\u0641 \u0647\u064a\u0626\u0627\u062a \u0631\u0642\u0627\u0628\u0629 \u0634\u0631\u0639\u064a\u0629 \u062a\u0636\u0645\u0627\u0646 \u062e\u0644\u0648\u0647\u0627 \u0645\u0646 \u0627\u0644\u0645\u062d\u0638\u0648\u0631\u0627\u062a.<\/p>\n
\u2022\u2060 \u2060\u062a\u0645\u0646\u0639 \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631 \u0645\u0646 \u0627\u0644\u0648\u0642\u0648\u0639 \u0641\u064a \u0627\u0644\u0631\u0628\u0627 \u0623\u0648 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644*\u060c \u0643\u0645\u0627 \u0648\u0631\u062f \u0641\u064a \u0643\u062a\u0627\u0628 \u0627\u0644\u062f\u0643\u062a\u0648\u0631 “\u0627\u0644\u0635\u0643\u0648\u0643 \u0628\u064a\u0646 \u0627\u0644\u0646\u0638\u0631\u064a\u0629 \u0648\u0627\u0644\u062a\u0637\u0628\u064a\u0642”.<\/p>\n
\u0628. \u062a\u0646\u0648\u064a\u0639 \u0627\u0644\u0645\u062e\u0627\u0637\u0631:<\/p>\n
\u2022\u2060 \u2060\u0646\u0638\u0631\u064b\u0627 \u0644\u0627\u0631\u062a\u0628\u0627\u0637\u0647\u0627 \u0628\u0645\u0634\u0627\u0631\u064a\u0639 \u0645\u062a\u0646\u0648\u0639\u0629 (\u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629\u060c \u0627\u0644\u0637\u0627\u0642\u0629\u060c \u0627\u0644\u062e\u062f\u0645\u0627\u062a)\u060c \u062a\u0642\u0644\u0644 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0642\u0637\u0627\u0639 \u0648\u0627\u062d\u062f.<\/p>\n
\u2022\u2060 \u2060\u062a\u062a\u0648\u0632\u0639 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0628\u064a\u0646 \u0627\u0644\u0645\u0635\u062f\u0631 \u0648\u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u060c \u0639\u0644\u0649 \u0639\u0643\u0633 \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u062a\u062d\u0645\u0644 \u0641\u064a\u0647\u0627 \u0627\u0644\u0645\u0642\u062a\u0631\u0636 \u0627\u0644\u0639\u0628\u0621 \u0643\u0627\u0645\u0644\u0627\u064b.<\/p>\n
\u062c. \u0639\u0648\u0627\u0626\u062f \u062a\u0646\u0627\u0641\u0633\u064a\u0629:
\n\u2022\u2060 \u2060\u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0623\u0646 \u0627\u0644\u0639\u0627\u0626\u062f \u063a\u064a\u0631 \u0645\u0636\u0645\u0648\u0646 (\u064a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0623\u062f\u0627\u0621 \u0627\u0644\u0623\u0635\u0644)\u060c \u062a\u0634\u064a\u0631 \u0628\u064a\u0627\u0646\u0627\u062a \u0633\u0648\u0642 \u0627\u0644\u0635\u0643\u0648\u0643 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0625\u0644\u0649 \u0645\u062a\u0648\u0633\u0637 \u0645\u0639\u062f\u0644\u0627\u062a \u0639\u0627\u0626\u062f \u0633\u0646\u0648\u064a\u0629 \u062a\u062a\u0631\u0627\u0648\u062d \u0628\u064a\u0646 6-8%.<\/p>\n
\u062f. \u0627\u0644\u0645\u0633\u0627\u0647\u0645\u0629 \u0641\u064a \u062a\u0646\u0645\u064a\u0629 \u0627\u0644\u0645\u062c\u062a\u0645\u0639:
\n\u2022\u2060 \u2060\u0639\u0627\u062f\u0629\u064b \u0645\u0627 \u062a\u064f\u0648\u062c\u0647 \u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0635\u0643\u0648\u0643 \u0625\u0644\u0649 \u0645\u0634\u0627\u0631\u064a\u0639 \u062a\u0646\u0645\u0648\u064a\u0629 (\u0645\u0633\u062a\u0634\u0641\u064a\u0627\u062a\u060c \u062c\u0627\u0645\u0639\u0627\u062a\u060c \u0637\u0631\u0642) \u062a\u062d\u0642\u0642 \u0645\u0646\u0641\u0639\u0629 \u0639\u0627\u0645\u0629\u060c \u0645\u0645\u0627 \u064a\u062a\u0648\u0627\u0641\u0642 \u0645\u0639 \u0645\u0628\u062f\u0623 \u0627\u0644\u062a\u0643\u0627\u0641\u0644 \u0641\u064a \u0627\u0644\u0625\u0633\u0644\u0627\u0645.<\/p>\n
—<\/p>\n
3. \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u062d\u062a\u0645\u0644\u0629 \u0644\u0644\u0635\u0643\u0648\u0643 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629: \u062a\u062d\u0630\u064a\u0631\u0627\u062a \u062f. \u0645\u0646\u0630\u0631 \u0642\u062d\u0641
\n\u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0627\u0644\u0645\u0645\u064a\u0632\u0627\u062a \u0627\u0644\u0633\u0627\u0628\u0642\u0629\u060c \u064a\u062d\u0630\u0631 \u062f. \u0645\u0646\u0630\u0631 \u0642\u062d\u0641 \u0641\u064a \u0645\u062d\u0627\u0636\u0631\u0627\u062a\u0647 \u0645\u0646 \u0623\u0646 \u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u0633\u064a\u0626 \u0642\u062f \u064a\u062d\u0648\u0644 \u0627\u0644\u0635\u0643\u0648\u0643 \u0625\u0644\u0649 \u0623\u062f\u0627\u0629 \u0645\u0636\u0627\u0631\u0628\u0629 \u062a\u0634\u0628\u0647 \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629. \u0648\u0623\u0628\u0631\u0632 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0647\u064a:<\/p>\n
\u0623. \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629:
\n\u2022\u2060 \u2060\u0628\u0639\u0636 \u0627\u0644\u0635\u0643\u0648\u0643 \u0637\u0648\u064a\u0644\u0629 \u0627\u0644\u0623\u062c\u0644 (10-15 \u0633\u0646\u0629) \u064a\u0635\u0639\u0628 \u062a\u062f\u0627\u0648\u0644\u0647\u0627 \u0641\u064a \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u062b\u0627\u0646\u0648\u064a\u060c \u0645\u0645\u0627 \u064a\u0639\u0631\u0636 \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631 \u0644\u0644\u062e\u0633\u0627\u0631\u0629 \u0639\u0646\u062f \u0627\u0644\u062d\u0627\u062c\u0629 \u0644\u0628\u064a\u0639\u0647\u0627 \u0641\u0648\u0631\u064b\u0627.<\/p>\n
\u0628. \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0625\u062f\u0627\u0631\u0629:
\n\u2022\u2060 \u2060\u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0633\u064a\u0626\u0629 \u0644\u0645\u0634\u0631\u0648\u0639 \u0645\u0645\u0648\u0644 \u0628\u0627\u0644\u0635\u0643\u0648\u0643 \u0642\u062f \u062a\u0624\u062f\u064a \u0625\u0644\u0649 \u0627\u0646\u062e\u0641\u0627\u0636 \u0627\u0644\u0639\u0648\u0627\u0626\u062f \u0623\u0648 \u062d\u062a\u0649 \u062e\u0633\u0627\u0631\u0629 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644.
\n\u2022\u2060 \u2060\u062a\u0634\u064a\u0631 \u062f\u0631\u0627\u0633\u0629 \u0623\u062c\u0631\u0627\u0647\u0627 \u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0639\u0627\u0645 2022 \u0625\u0644\u0649 \u0623\u0646 30% \u0645\u0646 \u0625\u0635\u062f\u0627\u0631\u0627\u062a \u0627\u0644\u0635\u0643\u0648\u0643 \u0641\u0634\u0644\u062a \u0628\u0633\u0628\u0628 \u0633\u0648\u0621 \u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u0625\u062f\u0627\u0631\u0629.<\/p>\n
\u062c. \u0627\u0644\u062a\u0644\u0627\u0639\u0628 \u0628\u0627\u0644\u0647\u064a\u0643\u0644\u0629 \u0627\u0644\u0634\u0631\u0639\u064a\u0629:
\n\u2022\u2060 \u2060\u062a\u0642\u0648\u0645 \u0628\u0639\u0636 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0628\u0625\u0635\u062f\u0627\u0631 \u0635\u0643\u0648\u0643 \u062a\u062d\u062a \u0645\u0633\u0645\u0649 \u0625\u0633\u0644\u0627\u0645\u064a \u0648\u0644\u0643\u0646\u0647\u0627 \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0622\u0644\u064a\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u0647\u062c\u064a\u0646\u0629 (\u0645\u062b\u0644 \u0627\u0644\u0639\u0648\u0627\u0626\u062f \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629)\u060c \u0645\u0645\u0627 \u064a\u0639\u062a\u0628\u0631 \u062a\u062d\u0627\u064a\u0644\u0627\u064b \u0639\u0644\u0649 \u0627\u0644\u0634\u0631\u064a\u0639\u0629.<\/p>\n
—<\/p>\n
4. \u0636\u0648\u0627\u0628\u0637 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0622\u0645\u0646 \u0641\u064a \u0627\u0644\u0635\u0643\u0648\u0643: \u0646\u0635\u0627\u0626\u062d \u0639\u0645\u0644\u064a\u0629
\n\u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u062a\u062d\u0644\u064a\u0644 \u062f. \u0645\u0646\u0630\u0631 \u0642\u062d\u0641\u060c \u064a\u064f\u0646\u0635\u062d \u0628\u0627\u062a\u0628\u0627\u0639 \u0647\u0630\u0647 \u0627\u0644\u0636\u0648\u0627\u0628\u0637 \u0644\u062a\u062c\u0646\u0628 \u0627\u0644\u0645\u062e\u0627\u0637\u0631:<\/p>\n
1.\u2060 \u2060\u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0627\u0644\u0647\u064a\u0626\u0629 \u0627\u0644\u0634\u0631\u0639\u064a\u0629:
\n– \u0627\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u0648\u062c\u0648\u062f \u0647\u064a\u0626\u0629 \u0631\u0642\u0627\u0628\u0629 \u0645\u0639\u062a\u0645\u062f\u0629 (\u0645\u062b\u0644: AAOIFI) \u062a\u0627\u0628\u0639\u0629 \u0644\u062f. \u0645\u0646\u0630\u0631 \u0642\u062d\u0641.
\n2.\u2060 \u2060\u062f\u0631\u0627\u0633\u0629 \u0646\u0634\u0631\u0629 \u0627\u0644\u0625\u0635\u062f\u0627\u0631:
\n– \u062a\u062d\u0644\u064a\u0644 \u0646\u0633\u0628\u0629 \u0627\u0644\u062f\u064a\u0646 \u0625\u0644\u0649 \u0627\u0644\u0623\u0635\u0648\u0644\u060c \u0645\u062f\u0629 \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u060c \u0648\u062e\u0628\u0631\u0629 \u0627\u0644\u0645\u062f\u064a\u0631.
\n3.\u2060 \u2060\u0627\u0644\u062a\u0646\u0648\u064a\u0639:
\n– \u0639\u062f\u0645 \u0648\u0636\u0639 \u0623\u0643\u062b\u0631 \u0645\u0646 20% \u0645\u0646 \u0645\u062d\u0641\u0638\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0635\u0643\u0648\u0643 \u0648\u0627\u062d\u062f\u0629.
\n4.\u2060 \u2060\u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0629 \u0627\u0644\u0634\u0631\u0639\u064a\u0629:
\n– \u0627\u0644\u0631\u062c\u0648\u0639 \u0625\u0644\u0649 \u0641\u062a\u0627\u0648\u0649 \u062f. \u0645\u0646\u0630\u0631 \u0642\u062d\u0641 \u0641\u064a \u0643\u062a\u0627\u0628\u0647 “\u0627\u0644\u0635\u0643\u0648\u0643 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0628\u064a\u0646 \u0627\u0644\u0646\u0638\u0631\u064a\u0629 \u0648\u0627\u0644\u062a\u0637\u0628\u064a\u0642”.<\/p>\n
—<\/p>\n
5. \u0627\u0644\u0635\u0643\u0648\u0643 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0641\u064a \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0645\u0639\u0627\u0635\u0631: \u0625\u062d\u0635\u0627\u0626\u064a\u0627\u062a \u0648\u062d\u0642\u0627\u0626\u0642
\n\u2022\u2060 \u2060\u062a\u062c\u0627\u0648\u0632 \u062d\u062c\u0645 \u0633\u0648\u0642 \u0627\u0644\u0635\u0643\u0648\u0643 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 1.5 \u062a\u0631\u064a\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0628\u0646\u0647\u0627\u064a\u0629 \u0639\u0627\u0645 2023 (\u0627\u0644\u0645\u0635\u062f\u0631: \u062a\u0642\u0631\u064a\u0631 ICD-Refinitiv).
\n\u2022\u2060 \u2060\u0627\u0644\u062f\u0648\u0644 \u0627\u0644\u0631\u0627\u0626\u062f\u0629 \u0641\u064a \u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0635\u0643\u0648\u0643:
\n1. \u0645\u0627\u0644\u064a\u0632\u064a\u0627 (45% \u0645\u0646 \u0627\u0644\u0625\u0635\u062f\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629).
\n2. \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 (20%).
\n3. \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a (15%).<\/p>\n
—<\/p>\n
\u0623\u0633\u0626\u0644\u0629 \u0634\u0627\u0626\u0639\u0629 \u062d\u0648\u0644 \u0627\u0644\u0635\u0643\u0648\u0643 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629:
\n\u0633: \u0647\u0644 \u064a\u0645\u0643\u0646 \u0627\u0639\u062a\u0628\u0627\u0631 \u0627\u0644\u0635\u0643\u0648\u0643 \u0628\u062f\u064a\u0644\u0627\u064b \u0639\u0646 \u0627\u0644\u0623\u0633\u0647\u0645\u061f
\n\u062c: \u0646\u0639\u0645\u060c \u0644\u0643\u0646\u0647\u0627 \u0623\u0642\u0644 \u062e\u0637\u0648\u0631\u0629 \u0644\u0623\u0646\u0647\u0627 \u0645\u062f\u0639\u0648\u0645\u0629 \u0628\u0623\u0635\u0648\u0644 \u0645\u0644\u0645\u0648\u0633\u0629 (\u0643\u0645\u0627 \u0623\u0648\u0636\u062d \u062f. \u0645\u0646\u0630\u0631 \u0642\u062d\u0641 \u0641\u064a \u0641\u064a\u062f\u064a\u0648 \u0633\u0627\u0628\u0642).<\/p>\n
\u0633: \u0645\u0627 \u0627\u0644\u0641\u0631\u0642 \u0628\u064a\u0646 \u0627\u0644\u0635\u0643\u0648\u0643 \u0648\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\u061f
\n\u062c: \u0627\u0644\u0635\u0646\u0627\u062f\u064a\u0642 \u062a\u062c\u0645\u0639 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0639\u062f\u0629 \u0623\u0635\u0648\u0644\u060c \u0628\u064a\u0646\u0645\u0627 \u0627\u0644\u0635\u0643\u0648\u0643 \u062a\u0645\u0648\u0644 \u0645\u0634\u0631\u0648\u0639\u064b\u0627 \u0645\u062d\u062f\u062f\u064b\u0627.<\/p>\n
—<\/p>\n
\u0627\u0644\u062e\u0627\u062a\u0645\u0629: \u0631\u0624\u064a\u0629 \u0634\u0627\u0645\u0644\u0629 \u0645\u0646 \u062f. \u0645\u0646\u0630\u0631 \u0642\u062d\u0641
\n\u0623\u062e\u064a\u0631\u064b\u0627\u060c \u064a\u0624\u0643\u062f \u062f. \u0645\u0646\u0630\u0631 \u0642\u062d\u0641 \u0623\u0646 \u0627\u0644\u0635\u0643\u0648\u0643 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0644\u064a\u0633\u062a “\u0645\u0648\u0636\u0629 \u0645\u0627\u0644\u064a\u0629” \u0639\u0627\u0628\u0631\u0629\u060c \u0628\u0644 \u0646\u0638\u0627\u0645 \u0642\u0627\u062f\u0631 \u0639\u0644\u0649 \u0625\u0639\u0627\u062f\u0629 \u0647\u064a\u0643\u0644\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0639\u0627\u0644\u0645\u064a \u0648\u0641\u0642 \u0645\u0628\u0627\u062f\u0626 \u0627\u0644\u0634\u0631\u064a\u0639\u0629\u060c \u0628\u0634\u0631\u0637 \u062a\u0637\u0628\u064a\u0642\u0647\u0627 \u0628\u0648\u0639\u064a \u0648\u062a\u062d\u062a \u0625\u0634\u0631\u0627\u0641 \u062e\u0628\u0631\u0627\u0621 \u0645\u062a\u062e\u0635\u0635\u064a\u0646.<\/p>\n","protected":false},"excerpt":{"rendered":"
\u0645\u0642\u062f\u0645\u0629: \u0645\u0639 \u062a\u0632\u0627\u064a\u062f \u0627\u0644\u0627\u0647\u062a\u0645\u0627\u0645 \u0628\u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0643\u0628\u062f\u064a\u0644 \u0644\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u060c \u0638\u0647\u0631\u062a *\u0627\u0644\u0635\u0643\u0648\u0643 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629* \u0643\u0623\u062f\u0627\u0629 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629 \u062a\u0644\u062a\u0632\u0645 \u0628\u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0634\u0631\u064a\u0639\u0629\u060c \u0644\u0643\u0646\u0647\u0627 \u062a\u0637\u0631\u062d \u062a\u0633\u0627\u0624\u0644\u0627\u062a \u062d\u0648\u0644 \u0645\u062f\u0649 \u0623\u0645\u0627\u0646\u0647\u0627 \u0648\u0641\u0639\u0627\u0644\u064a\u062a\u0647\u0627. \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0645\u0642\u0627\u0644 – \u0627\u0644\u0630\u064a \u064a\u0644\u062e\u0635 \u0645\u062d\u062a\u0648\u0649 \u0641\u064a\u062f\u064a\u0648 \u062f. *\u0645\u0646\u0630\u0631 \u0642\u062d\u0641* (\u062e\u0628\u064a\u0631 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a) – \u0646\u0633\u062a\u0639\u0631\u0636 \u0628\u0627\u0644\u062a\u0641\u0635\u064a\u0644: \u2022\u2060 \u2060\u0645\u0627 \u0647\u064a \u0627\u0644\u0635\u0643\u0648\u0643 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\u061f \u2022\u2060 \u2060\u0623\u0647\u0645 \u0645\u0645\u064a\u0632\u0627\u062a\u0647\u0627 \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629. \u2022\u2060 \u2060\u0627\u0644\u0645\u062e\u0627\u0637\u0631 […]<\/p>\n","protected":false},"author":1,"featured_media":1411,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[202],"tags":[213,114,115,116,117,118,119,211,209,210,212],"post-type":[103],"class_list":["post-1503","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-islamic-finance-contracts-ar","tag-213","tag-controls-for-investing-in-sukuk-ar","tag-islamic-sukuk-ar","tag-its-advantages-and-risks-ar","tag-prof-dr-monzer-kahf-sukuk-ar","tag-the-difference-between-sukuk-and-bonds-ar","tag-types-of-islamic-sukuk-ar","tag-211","tag-209","tag-210","tag-212","post-type-videos"],"pp_statuses_selecting_workflow":false,"pp_workflow_action":"current","pp_status_selection":"publish","acf":[],"_links":{"self":[{"href":"https:\/\/monzerkahf.com\/ar\/wp-json\/wp\/v2\/posts\/1503","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/monzerkahf.com\/ar\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/monzerkahf.com\/ar\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/monzerkahf.com\/ar\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/monzerkahf.com\/ar\/wp-json\/wp\/v2\/comments?post=1503"}],"version-history":[{"count":3,"href":"https:\/\/monzerkahf.com\/ar\/wp-json\/wp\/v2\/posts\/1503\/revisions"}],"predecessor-version":[{"id":1518,"href":"https:\/\/monzerkahf.com\/ar\/wp-json\/wp\/v2\/posts\/1503\/revisions\/1518"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/monzerkahf.com\/ar\/wp-json\/wp\/v2\/media\/1411"}],"wp:attachment":[{"href":"https:\/\/monzerkahf.com\/ar\/wp-json\/wp\/v2\/media?parent=1503"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/monzerkahf.com\/ar\/wp-json\/wp\/v2\/categories?post=1503"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/monzerkahf.com\/ar\/wp-json\/wp\/v2\/tags?post=1503"},{"taxonomy":"post-type","embeddable":true,"href":"https:\/\/monzerkahf.com\/ar\/wp-json\/wp\/v2\/post-type?post=1503"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}