অর্থের চাহিদা কি? অর্থের চাহিদার নিদ্ধারক কি?

A‡_©i Pvwn`v t mvaviYZt wewbg‡qi gva¨g wn‡m‡e miKvi ¯^xK…Z mKj cÖKvi avZe I KvMRx gy`ªv‡K A_© ejv nq| Z‡e wewbg‡qi gva¨g QvovI A_© m‡qi evnb, FY cwi‡kva, `ªe¨ I †mevi `vg wba©viY- cÖf„wZ cÖ‡qvR‡b e¨eüZ nq| AvaywbK A_©bxwZ‡Z A_© Ab¨Zg ¸i“Z¡c~Y© wbqvgK fywgKv cvjb K‡i _v‡K | gvbyl wewfbœ cÖ‡qvR‡b bM` A_© nv‡Z a‡i ivL‡Z Pvq Avevi mÂq AvKv‡iI A_© Rgv ivL‡Z cv‡i| Z‡e bM` A_© n‡Z a‡i ivLvi cÖeYZv‡KB A‡_©i Pvwn`v ejv nq| GK K_vq, †Kvb wbw`©ó mg‡q mgv‡Ri RbMb wewfbœ cÖ‡qvR‡b †h cwigvY bM` A_© nv‡Z a‡i ivL‡Z Pvq, Zv‡K A‡_©i Pvwn`v e‡j|

A‡_©i Pvwn`v‡K wZbfv‡M fvM Kiv hvq|

1.       ‡jb‡`b RwbZ A‡_©i Pvwn`v       2.   mZK©Zvg~jK A‡_©i Pvwn`v Ges 3.   dUKv Kvievi RwbZ A‡_©i Pvwn`v|

A‡_©i Pvwn`vi wba©viK t

A‡_©i †jb‡`b Pvwn`v, mZK©ZvgyjK Pvwn`v Ges dUKv Pvwn`v A‡bK¸‡jv Dcv`vb Øviv cÖfvweZ nq| A‡_©i Pvwn`vi wba©viK mg~n n‡jv -

1.       Avq t Av‡qi Dci A‡_©i Pvwn`v we‡kl K‡i A‡_©i †jb‡`b I mZK©ZvgyjK Pvwn`v wbf©i K‡i| Avq †ekx n‡j A‡_©i Pvwn`v †ekx nq Avevi Avq Kg n‡j A‡_©i Pvwn`v Kg nq|

2.      ‡fvM cÖeYZv t †fvM cÖeYZv A‡_©i †jb‡`b Pvwn`v‡K eûjvs‡k cÖfvweZ K‡i| Avq †ekx n‡j bM` A‡_©i Pvwn`v †e‡o hvq| c¶vš—‡i, †fvM cÖeYZv Kg n‡j bM` A‡_©i Pvwn`v K‡g|

3.      mÂq cÖeYZv t gvby‡li mÂq cÖeYZv bM` A‡_©i Pvwn`v‡K cÖfvweZ K‡i| mÂq cÖeYZv †ekx n‡j eZ©gv‡b †jb‡`bmn Ab¨vb¨ mKj cÖ‡qvR‡b bM` A‡_©i Pvwn`v Kg nq| Avevi mÂq cÖeYZv Kg n‡j wewfbœ cÖ‡qvR‡b bM` A‡_©i Pvwn`v †ekx nq|

4.      Avq cÖvwßi aiY t Avq DcvR©b ev cÖvwßi †gqv‡`i Dci bM` A‡_©i Pvwn`v wbf©i K‡i| Avq cÖvwßi †gqv` †ekx n‡j bM` A_© nv‡Z a‡i ivLvi cÖeYZv †ekx nq| Avevi Avq cÖvwßi †gqv` Kg n‡j A‡_©i Pvwn`v Kg nq| †hgb gvwmK †eZb KvVv‡gvi Aax‡b GKRb Kg©Pvix‡K gv‡mi cÖ_‡gB †eZ‡bi GKwU eo Ask nv‡Z bM` †i‡L w`‡Z nq| Avevi mvßvwnK †eZb KvVv‡gvi Aax‡b Kg A_© ivL‡jB P‡j|

5.      DbœZ gy`ªvevRvi t A‡_©i Pvwn`v gy`ªvevR‡ii Dci wbf©i K‡i| DbœZ gy`ªvevRvi Z_v e¨vsK I exgv e¨e¯’v DbœZ n‡j bM` A_© nv‡Z a‡i ivLvi cÖeYZv gvby‡li K‡g hvq Z_v A‡_©i Pvwn`v K‡g| Avevi gy`ªv evRvi AbybœZ n‡j A‡_©i Pvwn`v e„w× cvq|

6.      my‡`i nvi t my‡`i nv‡ii Dci A‡_©i Pvwn`v we‡kl K‡i A‡_©i dUKv Pvwn`v wbf©i K‡i| my‡`i nvi Kg‡j A‡_©i dUKv Pvwn`v ev‡o Avevi my‡`i nvi evo‡j A‡_©i dUKv Pvwn`v K‡g| ZvQvov my`‡i nvi †ekx n‡j gvby‡li mÂq cÖeYZv ev‡o, bM` A‡_©i Pvwn`v K‡g| Avevi my`‡i nvi Kg‡j mÂq cÖeYZv K‡g-bM` A‡_©i Pvwn`v ev‡o|

7.      `vg¯—i t `vg¯—i bM` A‡_©i Pvwn`v‡K eûjvs‡k cÖfvvweZ K‡i| `vg¯—i evo‡` _vK‡j Z_v gy`ªvùxxZi mg‡q A‡_©i Pvwn`v ev‡o| Avevi `vg¯—i Kg‡Z _vK‡j Z_v gy`ªvms‡KvP‡bi †ejvq A‡_©i Pvwn`v n«vm cvq|

8.      mvgvwRK wbivcËv t bvMwiK myewav ev mvgwRK wbivcËv A‡_©i Pvwn`v‡K we‡kl K‡i A‡_©i mZK©Zvg~jK Pvwn`v‡K cÖfvweZ K‡i| mvgvwRK wbivcËv _vK‡j eZ©gv‡b †jb‡`b Pvwn`v ev‡o - fwel¨‡Zi Rb¨ A_© Rwg‡q ivLvi cÖeYZv K‡g| Avevi mvgvwRK wbivcËvi Afve n‡j eZ©gv‡b †jb‡`b Pvwn`v K‡g-fwel¨‡Zi Rb¨ A_© Rgv ivLvi cÖeYZv ev‡o|

9.      cÖZ¨vkv t cÖZ¨vkv A‡_©i Pvwn`v‡K bvbvfv‡e cÖfvweZ K‡i| `vg e„w×i cÖZ¨vkv, Avq e„w×i cÖZ¨vkv, e¨emv‡q †jvKmv‡bi cÖZ¨vkv BZ¨vw` bvbv welq A‡_©i bM` Pvwn`v‡K cÖevweZ K‡i|

10.   e¨vsK e¨e¯’v t DbœZ e¨vsK e¨e¯’v bM` A‡_©i Pvwn`v‡K AvaywbKKv‡j we‡klfv‡e cªfvweZ K‡i| †µwWU KvW©, wfmv KvW© BZ¨vw` mywewav cÖ`v‡bi d‡j bM` A_© nv‡Z ivLvi cªeYZv n«vm cvq| c¶vš—‡i, e¨vsK e¨e¯’v AbybœZ I e¨vswKs myweav Kg _vK‡j gvbyl eva¨ n‡q bM` A_© nv‡Z a‡i iv‡L|