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    Main / Articles / Karzlar gözümiziň alnynda azalýar
    Karzlar gözümiziň alnynda azalýar surady
    10/07/2023

    1111

    Karzlar gözümiziň alnynda azalýar

    Bergi siziň ýoluňyzy baglaýan, ösmäge we bagtly bolmaga mümkinçilik bermeýän zynjyrdyr. Bu kitabyň awtory, halkara işewür-tälimçi, ykdysady ylymlarynyň doktory we 23 kärhananyň eýesi şeýle maliýe çökgünliginden gutulmak üçin oýlanyşykly strategiýany hödürleýär. Saidmurod Dawlatow näme hakda ýazýandygyny oňat bilýär. Ol 16-17 ýyl mundan ozal, birnäçe şowsuz kararlary sebäpli, 1 million 846 müň dollar möçberinde bergä batýar. Şol wagt ondan algydarlaryň sanawy 174 adamdan ybarat eken. Üstesine-de, dört sany banka 493 müň dollar möçberinde karzy bardy. Onsoň, nädip ruhdan düşmejek?! Şeýle-de bolsa Dawlatow bergilerden doly halas bolmagy we maddy durnuklylygy gazanmagy başarypdyr.

    Bergiden gutulmagyň esasy ýollary kitapda şeýle beýan edilýär:

    - bergilerden gutulmak üçin amatly strategiýany işläp taýýarlamak;

    - karzy üzmegiň tertibini düzmek;

    - ruhy basyşa garamazdan, ruhubelentligi saklamak;

    - karz berijiler bilen dogry aragatnaşykda bolmak;

    - bergidarlyk psiohologiýasy esasynda pikirlenmekden dynmak;

    - täze bergilere eltjek ýagdaýlary döretmezlik.

    ***

    Adamy näme bergä batyrýar? Has gowy durmuşy islemeklik. Ýeterlik pul gazanmazdan ozal, iň oňat ulagly, iň oňat jaýly bolmak islegi. Hut şu islegler bergilere sebäp bolýar. Ýagny käbir adamlar wagt, belli bir döwür talap edýän gazançlary tiz wagtda edinmek isleýärler. Gynansagam, bu ukyp ähli kişä berilmeýär, durmuşyňam, gazanjyňam öz kadasy bar. Netijede, şeýle kişiler ösüş derejesine, başarnyklaryna we ukyplaryna eýgertmeýän zady durmuşdan almaga synanyşýarlar. Ähli islegleri amala aşyrmak üçin ýeterlik puluň bolmazlygy bergilere sebäp bolýar.

    ***

    «Karzlar gözümiziň alnynda azalýar» atly kitaby okasaňyz, eger bergiňiz bolsa mümkin bolan tiz wagtda üzersiňiz, eger bergiňiz bolmasa-da, bergä batmakdan saklanmaga sapak alarsyňyz.

    Mätgurban MÄTGURBANOW,

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