              

      뫮 室  ,  祬  100000  
祬 .    ,   ਭ  騩
 ⠫  窥 ஢,    .    
    ᮣᨫ  125000   ।-
⨥,  ஥  ⠫ ᤥ ࠭ ,  祬,  -
ଠ樨,    ⪮ ᠭ   ⥫-
.
       ।⨥ ( 뢠  㬠襤-
訬) 砫  ᥡ ॢ饭 ७ ࠦ  ᮢ-
  設.   뫮 , 祬 24   -
 襭 㯨 ࠦ  ஢ .  ਢ-
    ᢮  묨 ࠬ,   訫 
㯠   筮       ஢
ࢮ ᮢ᪮ ࠦ.
      த誥,    ,  ࠩ ३   
९樨 ।ਭ⥫.      ⥭  -
 祫.   -     㢠 -
  ⢥.  ⢨⥫쭮,  । ⥫ ⥭
  ⥭  祭  ப  ७.
     ९   -   쪨
⥭  ᫥ 室  㭨᪮ ࠡ.  -
  ࠡ⠫     ஬  ⭮ 㭨,
  ⠪ ᮧ ⥭  .      
।⠢⥫  SBA  -   ⭮  ,
  訫 ந ᯠ⠭᪨      ᢮
죨.      뫨        뫮
㤭⥩  ஬ ப.  "   ,   ࠥ
  ⥭,    ."
     砫 80-   ਭ    ।⠢-
⥫   ய᪮ ⠢騪.   ࠪ 
ᮬ  ⠢騪 ।⨥     த.
  ।⠢⥫   祫,   -
ᨫ ᢮ ண 㣠  ⠢    
    ॣ.   筮  ᤥ 뫠 祭
० ᥣ ⮬,     ய᪨  ।⠢⥫
⢮   ன ஢     
  .     ⨫:  "  﫠
 ⮬,    ,   ᮡ, -
 ந諨   ஦."

          :  ᨫ

     ᫥ ⨫   뫠    㧭
⭨ ।ਭ⥫    ਨ  ᯥ, -
ᯥ   ஢. ⨬  । ਤ
ᮡ 祭,  ⠭   know-who -
஭ ।ਭ⥫᪮ .
     祬    3  ஭   ⨯묨.
 㤠 ਨ   ஢    㯠  
㦭 ⠪⠬  㦭 ६ ,  祬 ⤥ -
,  ࠪ    ஭⥫쭮, ன
 ᠬ ।ਭ⥫.
    祬 ।ਭ⥫   ᯮ짮  
ᮡ⢥ 痢?   ,   ,   
䨤樠,  ᨫ,  ⠥ ᨫ쭮 ⮫-
   ⠥ ⠩  ࠭塞. , , 
㬠,   ᫥ ᥣ,     㦨 좨-
  ।. 稭  ,   室
ᮢ - ਢ   -   쪮  ⨦-
.     䮪 ᢮ ᨫ  宦 
ਢ ⠫, ࠧ   ᤥ   -
,  ।ਭ⥫᪮ "know-how".
      ଠ ᬠਢ  । 
  ,       ,    ।
ࠧ   .      㣮 ᭮.
ਬ,   ,   稫 ।ਭ⥫᪨
  ୮ ஫,  ᮮ騫,  㤠竨 ।-
⥫, 稭  ।⨥:
    - ⨫ 室 ६  ࠧ⨥   ⠪⮢
 ন  ( 50% )
    - ࠧ 裡,    ᭮  易  (
50% ⭨ 뫨    㣮)
    - ࠧ 裡,   童 ᥬ, ࠡ稥 裡,
 ࠡ,   ७⮢ (ᨮ 뢠-
 ⮫쪮  12%  ⭮襭)
    - ࠧ 裡,   , 祬  -
襭  ⭨ (孨᪨ ⠭, 
뫨 ⠪ த⢥)
    -  ॢ訥  ०訥 ᢮   裡  (
裡  ⠡, 祬  ᪮ ।)
    㣮  㦨,   ।ਭ⥫᪨  
   ᮢ㯭 䥪.  稫 ࠧ
⥩   袥᪨ ࣠: Maleras  Svangstra. 
 㯨 㤭 ६,  Marelas ᬮ த
ᠬ,  Svangstra ஢  .  祬 ࠧ稥? -
,  ।ਭ⥫ Marelas ࠧ   
裡.   ᬥ   ᢮ ᮡ⢥-
   ঠ  㣠  ᢮ 易⥫⢠ 
ᯠ  .  , Svangstra 뫠 㠫--
窠,   ன  뫮 ⢠ ⨢.  裡 
த  ࠧ. ⪨   ।⨥ 
த  ਢ  ࠢ  ᠩࠬ  ࠧ
ࠢ⥫⢥ ,    ࠭稫     
 .
    , 祭  痢  ⠪    -
, 樫, ॠ,  ९ ,  ᮧ
।ਭ⥫᪨ 痢 - ᭮ ਩  ।ਭ-
⥫᪮ ᯥ,  ॢ室   -
.   㦨,  ६  ६ " ᯮ
㣨 , ⮡  ४樨  ᪮ ࠡ
 祭 ᫥⥫᪨ 䮭  ..,    -
   ⢥,   ᬠਢ  ࠢ -
室."
     ,  ᭮ ࠧ ᫥騬 ࠧ;
,  ᮧ 痢 - ᭮ ⨪㥬 
।ਭ⥫,     㤠竨 ।ਭ⥫
ࠧ, ᯨ⠭  稢   ᮢ襭⢠.  
।,     㠫   ᪮
ࠧ⨥   ࠧ   騢 ⠪⮢.
   ।ਭ⥫,   । ᪮-
 ࠧ 騢 ᢮ ।ਭ⥫᪨ know-who -
몮 -  㭤⠫쭠 ।뫪  ᯥ  -
    ।ਭ⥫᪨ know-how 몠.
       ࠧ  ।ਭ⥫᪮  know-who?  
᫥ - ᪮쪮 ਬ஢ 㪮  ,  
 ᮡࠫ  襣 .  ,   -
饬 ।.   ,    ࠥ  
騩 ࠣ,⮡ த  㤠  
।ਭ⥫.

          

      ࠢ  ᮧ  ।ਭ⥫᪨  ⥩
  㭤⠫묨,  ⠪     뢠
  ᢮⢠  ।ਭ⥫᪨ ⥩.
     1.   ,  ।ਭ⥫᪮ "know-who"
⠪ ,    "know-how".   ,   
९ ࠧ ⠪⮢,      -
稭 襣  ᪮ ।.
         ਧ,  ⢥ ,
 ࠩ     ,  ᪫    ।-
  ⨢ ᮧ ।ਭ⥫᪨ ⥩  
맢   ⢮ . ,  騥 ।-
⥫   騬    樠묨
㯯,     ᮮ⢥  .  -
⢥⢨  맢     㤨,    
襬 砥 - 宦    ⢨, -
ᨮ쭮 ⨪  室 ᮣ襭.
    ਬ  , ⭮ 㤠竨 ।-
⥫  -,   ஡.
    " , ⠭ ⡮쭮  ᢮ -
,    童   㤥᪮ ࣠樨, 
஬   ⢠   樠쭮  -
,  ன  頫.  ᯮ짮 ᢮ 裡  -
 客 ⮬   .  졠  -
   ᬥ    - ⠫ 筨 
 ⠪⮢.
    㬭 ࠢ ⨬ ﬨ,   ᬮ ॢ  
᮪ਡ .  ப   ⠫ ஬.
 宩    뫠  ᢠ졠,   ᮡࠫ
 ᪨    ᢮  ⥫    
楫 த    客 ."
    ⮢    ᢮ ᢠ졥 ⠪ ? ⠥   
⠪  ࠢ?
     뢠 饭  ᫨   ᯮ짮
᢮     ⠪ ࠧ.  祬?  設⢮
ࠦ ⨢ ᭥ ᪨   ᫥-
  ਠ ᮢ,    .
   ६,    ਧ,  , ,  
⠢ ᯨ᮪    ⥩      ᮡ⢥ ᢠ졥,
  業   室,  ⢠  ..,  
   묨    ⭮襭.  
 ભ ᫮ "".    ⮦  
嫮 ᢮ ⥩    ६ ਥ, 訢, -
   客 ᢮  ""   "-
".
    ⢨⥫쭮 ᯮ ᮬ  , 㦭  -
஢ ᪠뢠  ᢮    ७    ,
 ⠪.  設⢮ ⨢   -
 﫨 ⮭,    ਫ,    
 ᢠ졥 ⢨⥫쭮 ⥫ 㯨 客   
䨭ᮢ ᮢ  " 童 ᥬ,  ஬  -
",  㣨  ᥬ    業  -
  ᢮ ᮡ⢥  ⭮襭.
    祢,  뫮  ࠧ㬭 ᮡ ਫ  롨-
 室饥   ६     ॣ஢,  ⮡  
      ᠬ ,   묨  
  ⠪.    ⮬,      
⢮,   砥 -, ਬ,  ਭ,
 ᢠ졥   - 㣮 ⢥ ய⨨,  
 ,      ⨬ 祫  ,
 﫨  , ⥫䮭. ਬ   -
ન 業  室  ᮧ ᢮ ।-
ਭ⥫᪮      ஬ ࠢ.

    2.  ⥬,    ⨢,  ᮧ ᢮
  ࠢ .

    筠 ᤥঠ  ⭮襭    ⨢  ᮧ
।ਭ⥫᪨ ⥩  ⠢   ᤥঠ-
묨   ࠧ⨨ 襩 ᮡ⢥ .   砫 -
   ᯨ᮪ 童     ⭮
 訬 騬  㥬 ᪮ ।,  
        - 㤠 . 
㦥  ᮭ쭠 ;      㬠  
⥬筮  । ࠧ  ࠧ.
      稭 ந ᢮   ⥬  -
, , , 㦨   :

    )   ,  ,   类 砥,  
⥫쭮 , ࠧ  稭  ࠧ.  ᠬ
, ᫨      㦭 뫮 ࠧ 奬᪨ 
 㤠竨 ।ਭ⥫,  㭪 﫨  -
쪮  ⮢.  㯭   ᡮ -
ଠ樨,  ⭮ 㦥   -
⥩                       ஡
।ਭ⥫᪮ ,   ᥣ ,  
  ᥣ .
    )   襩  .     ⮬,  
設⢮ 童  襩    室   ࣠-
  ࠪ᪨  ⠢ 묨  "-
묨"  ⠫ ⭨ .    -
 ࠦ  ᯮᮡ    ࠧ 
騥    ⭮襭 ,   । ࠧ
 ଠ樨  ⢥ ࠧ 楫.
    )   㤥   ᪮쪨  痢
   㣨 童,   ࠧ  ,  
㤥 ( ) ᮤঠ  ᫠ 裡.   ᪫
,   裡 ,   ᫠ ,  ,  
襬 砥,  砥 饭 .  ࠧ -
⨢ ࠢ  ।ਭ⥫.    
砥  ᥡ ࠧ ⭮襭,   
祭 ,    ६,   㣨 祭 ᫠ ( -
砩 ⢠,  ,   ,  । 
 ..).  㤠竨 ।ਭ⥫, -, -
     ᢮ ⥩  ᫠묨 ﬨ -  쬨,  
묨   ॣ୮,    쥩  
 ਡ  砥 ࠩ 室   㦭
६.

         ᢮  (让 ࠧ, -
,   ᫠ 裡)  㤥   , ᫨
  ᮮ⭮ ࠧ⨥ 襩    襩  ।-
⥫᪮ ⥫쭮.
        ਬ    ⮣        ।ਭ⥫᪮
"know-who"   . ਢ    
 뢠,  ⢨ 室 ।ਭ⥫-
᪨ ⠪⮢  । .
       砫  ⮢묨    -
⠫  砫 80- . ,   ᫥ -
,  ।⨥    㤭⥫쭮  .
 ⢮,   ஡  ⮪ ⠫,  ,
,   ࠢ.   ஡ 㡫﫠,  ⮬
   室  ⥫쭮 ⢮ ६
 祭  ᭥,        -
.     筮   ᢮ 裡  稫
᢮ ,  ࠣ業 ६ 뫮 ﭮ,  ॡ 
⠫ ⥫쭮  ᫨    ᨫ쭮 ॢᨫ ࢮ-
砫쭮 ஢ .     殢  ।⨥
    ⨫.

    3. ࠢ ࠧ⨥ 襩   窨 ७ ᯥ-
᪮ ⨯ ।, ஥  稭.

    ,   ,    ᮤন  ஬諥
裡,   砥,     ।ਭ⥫᪠
  ।,  ஥  .  ⮫쪮 -
室 ᫮,   .   ।ਭ-
⥫    ᥡ 裡,    -
 ⭮襭  ⨯ ।,   .
       ࠩ         ⨯   ᪮
।⨩,    ᬮ.
    ,  ᫥묨  "।
 ⨫  "  (lifestyle  businesses).   ।
,   ᥣ   0    5  㦠    
ꥬ த    㬬    $ 2000000.   楫 ⠪
।⨩   㯭 ਡ    让  ꥬ
த.    ਭ樯쭠    -   "⠡쭠
"   孨᪮  ᢮    ᨬ  
஡    㣨 䠪஢,    । -
⢮ ⠪,    뫮 ।  ᭮⥫  .
  ᯥ     த  ਡ뫥 -
⢨⥫쭮 ਢ  ⥫쭮 ,  
ਭ ஡   ⮩ ᠬ ᨬ,  
᭮⥫ ⠢  ࢮ .
     窨  ७  ⠪⮢  ⠪ । ॡ
 騥  童  .  ⢨  ଠ쭮⥩,
 ,  業 ᯮᮡ -   -
砩   ࠭ 饣 ࠧ .
    㣮  ࠩ      ᫥,  
ࠩ   "騥  ।"  (high   growth
ventures), 쥩  楫    ⢥ 襭 
ꥬ த,  ⠪  ਡ뫥.   ⠪ ।, 
Compaq, Lotus, Cetus, Next  ..,  㦨 -
 뭮.
     ⨢   "।     ⨫  "
"騥 ।" 㦤   ﭭ 㯥
 ⠫  䨭ᮢ ᮮ⢠.
