א
אو
دووאא
ون
א!א د'()Kא&%א#א$وK#א(*+א,-وא-موאKE3112F%.א$9+א678-#وא;()<;F5$א:8א E(-#
'٢٨ J٢٦א،FG١٤٣١#.א+אJ١١D
٢٠١٠H2١٣م
אدא
אوא
! אد
א L"#$א,-م!*)(و'&
12א/ 0אא ,.
אدא
אوא ١
5O 1א
*N+نMאLאKא9;PJא
QN8وضRFGSTא#FGFאKא،QFN8و
5FOWنHFM.V
<و\[אZ-)KאX$Yא+א
و2دא]K
! אد
&'م!*)(و,- אL"#$ א
,.אא/ 0א12
١
٢45א67
[F$F^+_א2جFaزאلF#FאSdF+אHF(אFدG#-3אeאMن2
KF9%&א$F9hא$و،i$71+دא%و[א+]אd
وK#;אHfeوאg*א
_
ن2א-fو]א،;א*א9h&[و3](و3NنS9jRونf+א
ن5FO#-F3אeF-#;FאnF3oאFHh وKً ;l^mh#-3אeא
eFF-FF אpدFF8+אQFF78אאRFFGولFF،FF9-;مFF%JFFאFF אpدFF8+אqFF
tFGHFG؟وFs
و،F;و
א،;وFFو#-F3אeFمאF9&،#-3א
$F8W#FGF אpدF8+אRFGً
نF(-;؟v$-%אeوא#-3אeא&قא
[F
$F8MH3#;אHfeوאz{+
א|وא$8و،
אون$8و،عy^אمWא
_2HdF#FوKً $Ff%ً-9--~aوpد8+אRGQ78אאRG}وKpد8+אRG
eFאF# وא&قא،#-3אe-v%&א(دא#Gpد8+אRGא
ن
Kv$-%אeوא#-3א
#;FFאD$FF+وאFFאFF+אX$FFYאZFF-)gFF+FF{א1FF'אFFhאFg8FFsvRFF&]ول1FFFFG 1
KE#-א$א
'F()(*FvRFא،F9FאFאFوFدوF
W#وFאeאV+$%אRG 2
Kم٢٠١٠H
١٣ J١١[\,&אSא!א دPNS،\M$h J#و$א#א%&א
١
9א
881Fو،81FوWFא$F;ن2وFnGF
و،ً88FKF(--nF-אHFhvRאא$
HFhوK<F%אnF-n9F-;Fh
و،8lوHm8وא{ج[ذ،
8-אدمD-
Wn-FوF-;א-FfFSHm%א$($-;م1\وאdوאK88K#lH3
7Ff
وFF-;و،١?F(9قFو8FfFl
א–وRF3GF!אSnאHs?
و
K[$_مא2ن1Nn98][و
VFSs F(-،\$F#و$א#א%&[)('אs\;د-;K
!אPNS،?9
دووאאW#אوeمא9&?
FFFא دFF3-(+אSم٢٠١٠HFFF
9FFFl[FFF١٣ J١١$FFFN مאFFF[FFF\,FFF&אSFFFא د
pدFF8+?אWFFGFFא$عאFFאنFF;نFF3و
ن،\;$FFא5FFh
ن#FF5FFKFFTא
K?-fe]9%دאW#-3אe- א
[FF[دFن1FFאXFhNאMHF3KFF-&3FFs8+אFאRFFGFsF+
SF(*אn9و1FHF(7FאRFGKF9%مF،نFM
وFhوHF(s
F-;ود
X+وאXدא8אS אDmدS3N
ط8WoאאعאRGدd'8]
KXFFوXFFN8وXFF8h[وאFFXdFFאmFFوt-1FFقوאFF وאFF+אgFFوFF+א
#;FאH$FאMدلFW2FNدאF%אSHFf ?אWe1K9%&א.[نsو
$FF%;FF8znFF9FF-;FF،FF9KFF(-אv
و،e1FF+אRFF9nFF-نא2QFFNوK?FFFF-;
Kאعn3Nو،#-3אeא
\و$FوאF$FN
نF3 VF+אאRF9ًFfًF(Gא$F
$F'(
نא#و$8و
XFF*N[FFFFNgFFi
FFو،#-FF3אeFFعאFF\g1FFSFF(G ًאFF*FFد%א
HFF(אFFدFFG#-FF3אeFFنא2وKDF 8[אFF;<FF{VFF-(;وFF(*]<FFو
FFN–F ،#;FFאHFFfeوאg*FF[אFF$FF^+_א2جFFaزאلFFFFאSdFF+א
\FF%وزאFFhvRFFא#FFאSdFF+אHFF(אqFFًFF(mFFل$FF!زאلאFF JنLא
W(G
אن:ذS581وאEi$א$;H$א!وאSم${1+אg8א51NF
-1F]وF-;ل8אSود$وא#-3אeאD8$9אiא$N Wאאول
K[1
وK1-;}אnj]و، &l3אKא א
F،FN[F#F-;[F$F
،#%1Fא،٥٦٥٩nF،F-;DF&وFv
ًF(لF[FH<PW* א1
K٤٣٦L١٠،EFG١٣٦٩،+دאאWXوgF،#8א$8;אد$(D%،v{8א7f-;p8א
٢
XאKאFFhאSً9FF]v$FF-%وא#-FF3אeFFאFFن2#FF.אFF وאW<אא
،HFF3אSs,FF+אFF
#FFGJFFאFFאSًiFFVو،nFF*وא
אRFGSGsRFJFאF(9HsGSG![א&وقאn
-;ن%-vRא3وא سوאQ78א
Ff_א2ع+אאRGn1%]א[ل$
ن
]ولعא$אوRG W]Lא
s
و،;و
א،;وو#-3אeمא9&WلMא وHd&א
;وو#-3אeאWא ولQ78+א
s
و#-3אe
אعאW#.אQ78+א
v$-%אeوא#-3אeא&وقאWQ.אQ78+א
-fe]9%دאW#-3אe- אpد8+אW#.אHd&א
#;א-fe]عوy^אمW
א$8Wא ولQ78+א
#;א-fe]
אونو$8W#.אQ78+א
#;א-fe]
א|و$8WQ.אQ78+א
Q78¡אmوVYא
٣
א?>)אو=ل
@$"(א@و#(و،@مא
אو#?
،FF;و;و
אFFو#-FF3אeFFאFFFF-;HdFF&אאRFFGSQFFN8^אFFs
eFאX7-dFאم${F\אF$و،v$-%אeوא&قوא،s
و
WQN8iiوK#-3אe-v$-%א
אول45א
@مא
אوو#?
ًDوEمא
א
א#?WC
ً (و
و،ن$F-א<(ن#Gو،?&3(?א-s[#]e]|-אSH3(א-sHf
ن2
FF!אSnFFאHFFsوFF
?n-FFوFF-;א-FFfFFFFوFF;وא¢&oFF^אمFFWא
|FFFf#FFFGJFFFאHFFF3|אFFFf<FFF%وK١?F F(9قFFFو8FFFfFFFl
א–وRFFF3G
K£[n9s
ن.s
وzs(-
א
אFG
$FFو،;FF<אאFFFF^-+אeFFאعאFF
'FF¤FF-;#-FF3אeFFאDFF-
eFאt,Fو،#-mFאHF3موאFאHF3_א2#-F3אeFنא.N8אn1
وطFFFlوZFFF
نوFFFs
وFFF]SeFFFאعאFFF
[FFFgFFF'FFFFFF+אאRFFF9#-FFF3א
K¥mdو
#-FF3אeFFאDFF8و،v$FF-%אeFF-HFF%+א#FFאeFFאFFGHFF3א
qMFF[
نFF3وKمFFאHFF3אW#FF.وא#-mFFאHFF3אW(Gא$FFN2W]FFfFF-;
<Fn9<FnF;دF-;n9FF(s,+?א]&ق)(;[אWe#-3אeא
#-FF3אeFFאXFF8]]SKFF+אzFF{+[אFFFF¦\א1FFYאHFF(SوFF
م${1FF]© و،عMyF ًF א^אFF8;t,FFوق$FFfSلFF+[אFF§FF-8¨نs,FF+אnG1FF
،אRF3GوK٢?אF
وאm1FY[אFFאعF
$FK<F; \א$;1+وق$dא-dN
eFאShא وª8ً%8z،#
س]و-;Mn#-3אeאSPsWאMن
H3FlSن.F(1F[F\;د#-3אeאH3GنM3Kv$-%א#אو
F،FN[F#F-;[F$F
،#%1Fא،٥٦٥٩nF،F-;DF&وFv
ًF(لF[FH<PW* א1
K٤٣٦L١٠،EFG١٣٦٩،+دאאWXوgF،#8א$8;אد$(D%،v{8א7f-;p8א
ص،م٢٠٠٩y(1FFد،#-FF3אeFF<אאFFدFFlאpدFF8+א،FFאFF+אX$FFYאZFF-)WFF* א2
KG$و٥ J٤
٤
JHFF3אX1FFH~3FF]JFF אJvFFوא#وFFאFF*אFF'FF(O-FF¬
١Kً ً]و3Gن3]
نm$8[3(
{صFFl
FFمFF%eFF[אFFعFF#-FF3אeFF[
نאM F 8]D1FFאFF[אFFو
¥dFF$%§F8¨tא,FlWאH8FF-;نF83،F+אzF{+[אFعFن
5FzF;(אXsא,FlWאF]®نF،<Fאn98d[+D71+אªאKدא
K<F;¯نFsªF][FqFfF(;Xنزאد2و،^|אS2tא,lK<; א
Kًو°y(!אRGK<;
[$NوאHM sو،\א^دRGدאد,אDN
Kn9FF9]زF-;nG$FK<; אªD7-]Jאm1YאKد:وא|ض[ذ
XzFFאHFFsSH$FFFFGوFF_א2q$FF9]W<FF]FF]وFF(8FFl
#FFGو
vF78وאvyFאHF%אSو،6אدFoوא،DFo[אF-(א א-¬S-3א
QFF'FאF]$FوK#-mFאHF3אא$F;F،אلF
אعאHsSو،v!وא
نFs[±FوKً <Fn9<FqFد\دون
ن$F \]ضg&ًאدא$;
'(O8f
F-;F]$F%s+[אHdaPsא-;م%]e
$8S#-3אeא
Kv
M دوH3ًو$%'$ً81itא,l
سא
وא
אWً H
IGنאKLאM
Sود$Fو،#-F3אeFאdFאF#-3אe&و;אW
،F-;QJصא;אd-:وذ،%وאMyא-;א ونn3نא%א
WوFF%وאyFFאFF-;وאFF]}وW_FF]FFFF9صdFFאRFFGªFFsRFF#FF&3و
K٢{وאن$وאniא-;]وא
G#Oא4G NאMو
F?وF
نF;S$8نאs$8;نאS?وאWn-و-;א-fو
3Flذאא2$1!אH.n9&z]وn9
و]אnG]אدS+אH.?Wn-و-;א-f
K٣?(oوא91א$1!אm;א$]<;
نM _2א ول581FدאFKF\א;دdF#-3אe-78אوאHsTאمא${مא$ن88tG 1
نM ،MnFG אFGو،FiKول$F[אFد$FF%א *(אS9qא,;WאMnWs,+אو
وאXsא
نLא78FFf
JFFلאFF+
سאFF&sXFF8-+FFWאFF9-;5dFFKFFאFF.$NFFאوeFFאsFFl
KX8-+אRTW(1vRلא+
سאn;دg]GH3-Mn9+وא$אMن،אR3GوK
K٢W\$m+ \א2
nF،odFضאF،Fs[F[F;ZF&[FWF
وHFzQ$FN[FK^FhFGو،n-1FوvF{8אh
3
K٢٥٠Q$oא
٥
5F-hWF9\yF;Fl$F;_א2eFلאF[F#-F3אeFא$1و
صdF[FودFو،^אلF<Fوא،ن3א$%'$<وא،١$&+אKود²d+א
مF9&DF%\g.FsمF3NeXKFhم
نא-+و[אKאون-;MQoאS;l
FDF%JFمאF3N [אGgوgYאX%&وא،\s^אH.،#-3אeא
Kאون
<א45א
@$"(אعא
אو#(
אعא
א#(WC
ً (و
e_א2$-%אeאXsld]9MnJא%
م-+و[א
H3_ א2 <
(1%] [3 #-3 אeن אM ،\o א-; eאم و א
W#-3אe-XfdY'א;\א،#-mאH3אموא
א)אمE(F
\$FNوאFFHFh \אgdt,د(ن%;ً
#GאمH3א¡אMن2
F8-¡אyFאn(dF]nFوK\1FY[אFعF6و$FN$;ً ]<ً]و،E5|אS
وFFG!\א1FFYDFF-FF(XsFFאXFFs{صوFFl אFF(oXFFhNWא
XFF3-³
وXدאFFh
وXאFF%;FFTضFF]FFis
و#mFFFF[FF;¡]FF<אFFא
s,FF(-zFF{+وقא$FFf[(FFFF;$+אHFF3אtא,FFl'אFF(¦MnFFوKs,FF+א
٢K-3א9
S-fe+אH(אz¬f;|عy^אمW
א$851N
81 i $M ] אمH3وق א$f وK; وS (.W[ אא ن א
،אد$1א-;وق$d\ א$%(9ن3][
ن39M
W2،#-3אH(א
K٣z{+لאNSf
Tא)אESF
FNSn9]mF;وs,F(-F+\א$;1F+אgF]'F#-mFאHF3אH
[FF#-FF3אeFF[אFFعFFאאRFFG\دFF;5FF-وK^F \
وאFFFF%-+אXFF83א
'FFG$FF$MJFFאXא1FFאلאFFzHFFh אF -zFF;Sل$FFאHFF3א1FF
SًsFFFF8;FF(*XFFدد$1FF
نt,FF+[אFF5FF-FF(s،s,FF+א
K#-3אe¡א
ن،سصWو¥Wعو¤29[3®ن2?و$&+وא²d+;[א$;אSم1א$8;[^لא% 1
،9F--%]و$F&+אHF]و9F-(3]و²dF+אHdF5hنאא2?W(][لא%وK?:ذ5hאع¥n9
K٢٨٤L٢٨،א*)(;א&و
Ksمא$$1;$+אمאH3אXsא,l[א5d8h'،s´ذجאS 2
٨ص،#-3אeد<אאlאpد8+אW* א3
٦
#-3אeאXsא,lאn1%]\;دn
#-mאH3 אSو[אא
(.
אلא#Gو١Ks,+(א.
אلאGא ولW&-¬1N_2;$+א
Ks,+אz¬
אلG#.وאKل+[
سא3]q$GHh
[אdNdd¬
'دMnو#-3אe
א9(<]Jאz{+|אdd{+א אلא#Gو
KعMy^אمW
سא-;Xsא,lWא
-;s,+אz¬P1Nوs,+(א.אP1o<+§א8+אHdMن2
H3و،;$+א#-3אeאXsא,l[א51-;K\;دMn#אא
1 g] وK#-m א#-3 אe ¡ אn(d] وg1] [ אK^h \ ;د:ذ
tא,lWאS(9MHs81و1o_א&قא2#-mאH3א$%;SH3א
KH3א$%;\$אلzM|
ن$NوqzMv [3WvRא
H3 و א#;(! אH3 אH. #-m אH3 אX ª $h] g
Ss,+وאH3א1Hh א-z;\<و5-]WJ א٢Hhe
(.אd;H(]W#9אא سRG-;\وgd\,X+אRG#|]KH3א
91&אمH3אµX+א אع[אRG\אدSH(]وKs,+א²d
z¬P1NS\l8G$Mn;ًوMy]#-3אeאXsא,lאMHsy©]QN
٣Ks,+א
نא
א$"(WC
ً (و
$F;F&]MF(sFو$K#Fمא%W
و، א8hK#[אsنsذא2
SFF نאFF،لFF8%وאPFFOא#FFGFFدאFF%אSنFFs אFFsو٤،FFf א
tא,FFl وא،#FF(NWאFFYونאyFFنFF%אאFFlMن2QFFN،FF-¶#-FF3אeFFא
مFWJFאFf;و#-F3אeFنאs
#G،#-3אe§א-8و،H3א
gF[Fed،[Lאs-58ًوf
Yونאy(s،9و$
ل
نF%
نQN8'א1وKv$-%
مא#-3אeنאsKقאzא-;
W#]Ls#Gو،ii#-3אeنאs
U0אW&אول$א
Kn91&
s,+אH8[s,+(א.אP1Nn1%]n
F-*F{صFl [אF;(-3]|]-;$(#;¤#-m;H3]¡G#;(!אH3א
K¤K<;
&
وj+\א$m&s;د\אnوKZmH3]$%;
ص،م٢٠٠٩،FאF+אX$YאZ-)[;\دdא،#-3אeد<אאlאpد8+אW*א
KG$و١٠ J٩
لFf
X7-dFnF،&dF5F،FWF*א،طFאFوFقF&[وאsFאF][;Hd&
K٢٢٣ص،Eم٢٠٠٠LFG١٤٢٠،١ط،f+א3&אhWXوgF،%&א
٧
1
2
3
4
عF[G´2و١،tTא-;qאlאe|-אP7f
;|-אSGو
وHmFFאS\1FFYعאFلوFF(NאFFG?WnTF%نFF%אP7FFf
FFFFFGو،صF
[FFنFFs#-FF3אeFFאP7F f
$FF;FF{-#NFFfWאFF+אאRFFGوK٢?qא$FFG א
FYא8Ff
QF،F·אKF%'FאFg|]
نQ8ni،%e+وאHf אQN
ًאF6دFoא:نذsKאv
،?#-3]e]-h
[$%#(Nא6دNv
?¸
٣Kً
و
M$F FF´2و،FF 'אFF¤$FFeFFאHFF8%]WHFF3אXsFFlم
نFF-+[אFFو
W9(G
[\د$وطlو،8zXذא،f
nFF7FF
نFFوK'F %W$FF'وFF%$FF6دFFo
نאv
FF(Nא6دFFoنאFF3 ن
אRFGوKF;وdFWF:RFsو،F-3][3W;ز[وq
و،;و
نFFsא2وK#-F3אeFF-HF%אFFYאS[FsطوFFlF2HFF،FطFFlnFG
eFF
نא8FF]،FFو$مFF%WvRFFא88FFو#-FF3אeFF[אFFsFFGFFYא
_
ن2ونFf+אKF9%&א5FGذ:RFوKلF(NWאF-;ً-sًא;(دא$(#-3א
K٤&|#-3אeאS|א
\אد2ªF7¨FYعאFنوو2،א$N
\אد2ª7¨6دoنوعא3W
ن
[FF-،s,FF+אد\א2ªFF7¨نFFsن2FF ،لFF(NWאdFF;SFFFFא$FFN
FF&HF3אX1F\אد2ªF7¨نFsن2وK§F-8+'א$FًFאً]&د$א
eFFF§אFFF-8SًF F(zM$F FHFFF&sن2و،FFF]אدW2'FFF%WFFFM$F FHFFF3-
،FvGFhFGو،لF(NWאdF;FYא$%&،Kl1 ،#-3א
٥Kو$#-3]e]م%
VאWDCאW<&א$א
_2t,FFF+אFFF$،#-FFF3אeFFFא$FFF%;FFFzFFF-;DFFF&لFFF+[אFFF§FFF-8FFFG
$F;t,F+_א2لF+[אF§F-8'$FHF3אXsFl$9]H%،H3אXsl
G$FF%]FF&-¬HFF;א51FFNtא,FFlWאאRFFGFF(د$FF7]وKF 6دFFN
وFFDFF%
،FFFYאXWFFF(NאFFFدאFFF-;FFF8X81FFFNوXmdFFFN2$FFFHFFF3אXsFFFl
K;وNS-;D&+אªאא$%و،(Nو
א
אM/$אWDC אG X
K١٤٠ص،7d¬א،vא*אאز
K٦٤ J٦٣ص،Eم٢٠٠٣LFG١٤٢٤،١ط،^مN[دאאWXوgF،3N
وeא،نinGא2(ن-W*א
K٦٤ص،1&'h+אW*א
دdFFsyאF)(;دW\$hF،#א%&אSد%אSi
א|و،<א א$(،D$dא
G$و٦٤٢ص،Eم١٩٩٥LF١٤١٦،٢ط،#א
K٣١ص،#אH$8وאvאeא،א!(ل5W*א
٨
1
2
3
4
5
FFFFf;'FFHFF3א#;FFSHFF3§אFF-8سFF
FF-;د$FFatא,FFlWאMن2
،vدFFz5FF]FF(9وHFF3§אFF-8$FF$SHFFدFFtא,FFlWאא$FF%
نv
،FF
#FFאeFF-81FF\$FFNوאFF&אFFN[אFFXsא,FFlWא$FF$HmFFقووFFzو
&dFאQFN[FvFאe;[א-¶#-3אe
نאg،v$-%אeوא
§F-8[;;ضtא,lW،ª§א-8وtא,lW[אH3#%א;
وא'א
sFFl[وe1FF+אFF(Gو،8FF-^مFF-FFو$FF%;FF ،vFFאeFFאSeFFא
RFFe]eFFאsFFlو،ªFF'א$FF^אمFFWאFF-%1FF%'א$FF^אمWFF،eFFא
F9hאS1F$FوF]$F:RF#FGوKX<Fא-¤طو1 א&ق)(عא
F9 ،_א وFoאSً±Fln9F]Wو،F.אFoאSً±FlRFe]F،DmFiא-
SiFF^א$F%אSFz$FN
لF2
نF(s،[$F-ًF^-Fو$F%;
^F;P8F
[F;F*אqdF،F^אKمא$;SDoאLאqوא،$%א
Keطא1eK[;[אe1+א
نFFF;sFFFlSdFFF7stא,FFFlW'א$FFFt,FFF+نאFFF،#-FFF3אeFFFאFFF
FF-
nFFGو،FFs,FF+אFF[ذFF;-%1FFFFFFوذFFdFF{lFFT،;FFl
[FFt,FFHFFs?وs,FF+אFF±G?nFFאFF9-;FF%-z
JFFאsFFא#F Gو،DmFFiא
:F-،;FאsFאRFGSgF'F:Fl:RFsGو،אZ&S[e1و
\1FYموאF|אHF(7
(s،doאRG$% [אD71'و$$%9
[FFFFدFF81FF،sFFאRFFGلFF
سv
،Xsא,FFlW(א.FF[אFF;¦FFא
[FعyFא-;א%&]א$-3אsאRGSKsא نא،Xsא,lא
KאZ&Ss
אلא#Gو،H3
אلא
)אYW4<&א$א
،M$F[+א6دo
وא،Yوعא$;،[+_א2$t,+א$9G
$F;زمW،F[F(-t,+ذאS#(Nد[אH3§א-8وK(9مy+א$%-ً%و
نF2،F(NאW2نF3W$F[F+אFYوאKF[F+א6دFo
وא،YאD%
عF نאFFsن2عFF[אFFزSFF(NאFF2و،عFFمא$FF;عوFFאSFF(NنאFF3
زFFOWوHFFzFF9W2و،FF(NW[אFF$FFN[وאFF;~:F &W#-FF3אeFFKFF(N
F³K^FhF9KvFא1F%-F;()SF3+دאF8[אF$e§א-8وK١ً ;l
ً F%iًوFz8]א8]F1F7אRFوKFطدو1F
SeFאsFl_2F[F+א$
Kvא1%(אXزאدe§א-8(زאد-3،1%אP1
$FaWאمH3אNS،H3§א-8[[+א%نsن2אوRG
gF[F$[+א<אH%א$%¨א אM$H3אSو$an9،M$
G$و٦٨ص،3N
وeא،(ن-W* א1
٩
אRFGF(و،¹
mא$%§-8¨م$Tא$8Nf-;H&sًW^
ن-K\زد
F[F(-'$F]WsFאMنF،م$F9،F¹
1ºوmvو1]-&^لא+א
K¹
1ºW2'$]®&dم$9وאK%¹
mW2
HFs$;¹
m§-8¨Xsl\$;$;^ل+אאRG-;H&s$نsو
KF¹
-;$^()9%^ون
نOWn9،م$9،9\$Nوא
®،ªFFאFFFF[FF+אFF%]نFF،(FFFF^-،¥{FFl6دFFoאS581FF]FFو
SF-F-N،sFאF;ًو±FlFضF%®ن2وKًא$FNًوא1-s]א
١KصYא91o581+א8
א
אM/5U> אمא7אWً H
eF?אFFFאFمאF3N
'FDF&vRFאe(א1[
ن171+[א
G$dFFJFFאX(1FF[אFFFFGg
و#دFF8
وא#وFFאeFF[אFFًW$FF?#-FF3א
?
و#دFF8[?אFFKFF· אRFFG
نFF¨K\F وאFFאZFFوHFF3ونوאFFسאFF א
eFHFf
#FGJFאPF|دאFS(FW(و-1F+אgF$\دhT.
?و#?אو
S5F-]F
نא:FذF|אdF'אFF%1Fو،eF[אFאאعRG
eFF§אFFfאعوFF
SאFF]W¥mdFFًوzوFFlHFF3ون
وאFF[אFFعFFאאRFFG
eFF-FF אpدFF8+[אFFQFFN8א8F qFFFFFF-;PFF|אS#دFF8وא#وFFא
K#-3א
[FFFًW$FFF?1FFF%?אHFFF.v$FFF-%אeFFFאX7-dFFFאم${FFF
نאFFF[אאFFFو
?X<Fאم?א${Fوא،?HF3אSنs,F+[?אFًW$F?Dmiא-
?و،?tא,lW?א
_2nFFh,]?عyFF?אM ن،?عyFF^אمFFW[?אFFًW$F?عyFF?א:RFFsو،?XFF|[?אFFًW$F
eF
نאHF3אXsFl'Fن-+אHOEdonationF?^¨?א-¹א
Kv$-%אe^
[אWK^hW2#G#-3א
4<א45א
\ L
א
אوא
אZא?وق
:و'ذ،v$-%אe&;[א3]
وS-¬#-3نאא2
X,;[لدو[א:وذ،(9&אS:3
و،دد,ª8زאلא
q אZ – אعq ; ً [ אtG ( אنs K عy ^אمWم א9& -;
אRGو،v$-%وא#-3אeא#;[8دאhونو$s[Rא$–Mא<د
K٣٣ J٣٢ص،e*א،$1א$(،[+אX8hقووא%N?W* 1
١٠
;ض א&وق#]e ( و،#-3 אe و; אS Z n9 qWא
W١v$-%وא#-3אeא
W n9]sא,lن وאe1+ אnG H3 אS نs,+ א#-3 אe אS WC
ً (و
v$-%אeאS
،&+¤n9-;¨دW2H3אsH|1]
،v$-%אeאslم%] وeאsl[;#hd;Dmiא-(7
KG$Nو9-;'&¨دDmiא-
|ل
אل
Z-،s,+א9m<;
[<אونوאD% #-3אeאq$GWً H
X<_ ]| א2 $d%] 93 و، אG H3 אs nG אq$Tא
-
P1N -; אD% $9 v$-% אe אK אدאd+وא
KDmiא
K(.W [ א א¦ [ א5d :l #-3 אe אS t,+אWً <H
v$-% אe אsl و]&د3l Z v$-% אe אS Dmi א-
و
K S
،H3אSs,(-:-#-3אeאS#-3אªm&نא2Wً Z"א
Kv$-%אeאs:-v$-%אeא
،n919-sو،X(א. ]&'[א9-s;(!نא3]
ن#%%o אونאWً -]
K\$Nذوא9;()Sن3]و،±3m1Yوא53+نא3]و
e א،s,+ع א¤ nG [+ذ א2 ،3NW ' א#-3 אe אWً د
--±9-;1]fXsl[+ذא2،3NW_א2vد9v$-%א
KאجHmووnTאسو
אXא$Sn37]
K١٢،#א#אوeא،$
[²fW*א1
١١
<א?>)א
Lد"אWאدא
א
e نא،#-3אe- אpد8+;ضאQN8ولאaHd&אאRGS
J א$Y אn$%] _2 q$9 9-; م% J אZ وאpد8+ אq א-; #-3א
[ ; ]و و% EDmi א-
F s,(- v$-% אe א9$%
Xsא,lאs,+אn$%:وذ،Xא*אmوאو$%-$1&+אg.3א|א
<وعא$;X|א9'$]-3]*&[3ًm^hً
و-s9ً;y
XzNWوאعאqd+وאX|א$#-3]ªm[D%7و،$[+א
אعS(لNWنא3$%نNG(لNو١KH3אSs,+א-;زع
،'% q W [3 و، אعn7 v
، ز[ אعS ن3 $ و،$;و
e- #; אn3o אK אHh
[ وK#-m אH3 אe אS (s :وذ
W#-3אe- אpد8+_א2\l[א1a#-3א
אول45א
^عو@אZ_אمC (א
^عZ_אمC (אWC
ً (و
FF'אFFو$FF و،FF3+אFF9دFF&אJFF;אFFאpدFF8+[אFFعyF^אمFFWنא2
^אمFFאFFدdFF%+^אم?وאFFWאHmא1FFSمFF3אFF?FF·FFًF fًF sPFFoא
n$F%][1Fa٢?عyF
?א^אمא$8-;#-3אeאZe]hنوH8وKX;yא
אRFFGSM$F ;
FF'FF
وFFWFF2FF+אPFFoאPFFs[FFFF;FF9%&אXFF8אªFF
dFF®PFSdFF?אFfFFsوذ،^אمWאHm1F'FF¤[FאولFFGH،عF+א
\iFFFFFF אHm1FF+אXKFFhאRFFو٣F &e]$FF;א8<FF]®و،ً &dFF]-m1FF
ً F8]^אمFFWאXWFFoًF%-ًF88]FF[אFFnFFאدFFאHm1FFوعوFF9FF--{]
K&-{+א;א
@א#(^عوZ_אمCאFG
KFF9%&אqFF;SFF
Kً F زW[FF3®FF1FF&¥{FF^אمאFFאWF |عyFF^אمFFWא
ً F%-?
وK#FlF-;D-]g[v
?ً %-qو+[א1&¥{^אمא29א$%א
)(;دD.אslW\M$hF،אd+א5 وאX+אS6،\$
1א$8;* א1
Kqd١٧ J١٥ص،Eم٢٠٠٦،١ط،'1אK^!א،syא
،عyF^אمאFلאF[FeF[אF;ً$FWFلאF[#-3אe*مא،\$
1א$8;W* א2
Fو٤ J١ص،F8+Wאs،م٢٠٠٨سF،FلאF[F#אوe;[א+;\و$$%Qو
8FFאFF±G[FF;\دdFFא#FFאeFFאFFW;FFאgFF(-FF9%&مאFF3N אDFFNن2وKG$FF
،وא+אX1(-hא+وא8א±GW[78א3-³F،وא+אX1(-hא+وא
KG$و٤١٧ص،Eم٢٠٠٧
٦٨ص،^אمWאHm1Sم3א،PoאW* א3
١٢
^אمFFאFFGو:FF[ذFFªFF&
FFGFFFF-;qFFאSDFF-$FFوFFאFF¨،K#FFlFF-;
K١אسאمq;S5|אGو،^אمWא¢&-qو+א
زلFvRFאtא,FlW§אF-8?F9[Ff+אKF9%&א$F;عyF^אمWو
]א
م${1F©vRFوאF\אو$;1F+א5FhوאF|FًF&א^אdFH3אSt,+א
K٢?8+אDa[9مM$%JאX8+'א$
PאFi$d%نs#98Tא9(9و،^אمWא&ق
אعאPoאsذni
^ومFqوF+ن?אM FnFiKFא
وא$dFF+אh
و،+[אE\و;ضe3F
F-;^אمFWא¢F&FWدF.N[FF
نFs¨H،9^אمعWوא،G$%א
K٣K<وאPOא
¥{F^אمאF2F9ZF\$FאWPFoلאFF8T$F;^אموאFWאFD&אSو
SًF وyFF{+אKFF2[FF;FF82–FF;[FFلאFFFF(s–#FFGFF´2نوLًא±FFl1FF&
FGF´2F'h+F،\$M FאF-;ل$FFو،^אمFWא-;ل$و
א&ق،H8%1+א
FF-;^אم
وFFWאFF-;مFF3אMدلQFF7،אلFFN [אmאFFموFF3قאFF[FFnFF9&FF_2
K:ذ-;H
\$א
FF9FF^مFF-+אFF
،^مFF-+אFF9،1FF&t,FF+אFF^مFF-عyFF]#-FF3אeFFאMن2
n9FFsFFGو،FFfنFFFFGو،HFF3אFF*&3FF+אs,FF+אFF;()
$F;F#<F%WوFًאeFFKFنאF3vRFאFمא$;&9s,
gF^אمWאאRGوH3אSt,+אt,vRאtא,lWאG^אمWאאRGوKعWא
#F9aFfF|dFאM
نF(stא,lWא-;אم$¨دאi
'%^9،D-
K¢&-אn3NTJא3א
FFF*&[FFFعyFFF^אمFFF<ًאFFF
FFF9<ونFFF+نאs,FFF+אFFF-;HdFFFaFFFFFF
DF%وF[F+<אFعאFوF-;DF-^אمFאGو8;אd{l#GJאH3א
K٤<+אt,+אG^م-+وאKXאK.WאK&אوطوא
`و1א
אMدلא_אمא^ع
^אمFFوא،Xsא,FFlWs,FF+^אمאFFلאFF[FFMnFFvRFFعאyFF^אمאFFدلאFF8]ن2
،وقF[FD8FF+FوF-(אHFOW<وعא$;ªH3وقא$f
[FFªFFعyF^אمאFFنאM FFNSDF-gFF^hFFs,F+[אFFعyFF^אمFWאMن
K٦٦ص$%+א،D1א$d+א،PoאW*א
K٤٥ص،#-3אeد<אאlאpد8+אW*א
F;()D.אslW\M$hF،אd+א5- وאX+אS6،\$
1א$8;W*א
٢٩٧ص،Eم٢٠٠٥،١ط،دس1אK^!א،syدא
K٢٩٩ص،D1'אh+א*א
١٣
1
2
3
4
^אمFW
ن?אF*N+אRFGKא$F258FوK'F%W$F'وF%$F#F(NאF9،D-وق$dא
_2PFFoאFF8M $FFو-%1FFFFz[FFً^אhFFنFFsذא2FFو+אSج$FF$FF?عyFF
Wل%Pא.א8G[-hو:ذ
Fو+אPF[FFM ،gF|HF!אP[GPא.א8GP[GvR^אمאW?א
HF8و،\زFoW2MnWM
(sWً-ن3^م
ن-+אK#אS5-
K١?X;yאmS(s9-8Z&وאX+
^عZ_אمCא)א (אWً H
نFG[Ff+אK9%&'[א¤אvRא#-3אe-'mא3نא2
FFFF
KHF 3אFF*&HFF3אSs,FF+אFF;(عyFF1FF&^مFF-t,FF+א
DF-^אمFאFGوHF3ع[&*אy
< ًא^אم9<+אt,+א-;Hda
t,F+אFGF^مF-+وאKXאK.FWאKF&وطوאFאDF%وF[F+<אFوعא-;
K<+א
[F?W#3F+אF%&אS$F;א%[אF\$F;
وHf
-;¸8#;אHfeאאRGو
^אمFWאאRFGאعF
نFS–_F]אF
PFo'אF]$وK?^ًو1&א^م
W%Poאsذ-.
[وKD8(s3N
و
FN
و،F-;DF&+
وאDF&+\אFN\M$F
و،F\M$F¥{l-;?[א^مא&ق
$Fl[FمאFsSم$F%]FM ،F
وZF-&®F:ل^ذ9)Hh
_2
و$مز$%
KKF
وZFF-&®FF1FF&FF-;FF8h[
وFF+زمW7FFf
و:FF5GRFFFF-;?qوFF+
ن?א
K٢?:RK<%אSaf9~-s]Lوא&وعא
ع]ص#& ^عL,.א
אWً <H
\N-;(*אi[و،e*مא9%%aJאqא$G (אG
[ً א
FFFمFFF(GW
א$FFF$FFF%،صdFFFYאFFFhوFFF-;FFF%אXوאFFF.-FFF
[FFFو،ن1FFFא
K٣م١٩٦١ًא38אمnTא1-;]א$و
¼FFFFאFFFF[FFFFE#-FFFF3אF#FFFFאeFFFF-#;FFFFאFFFF3אDFFFF.8 א
FF%&אSدFF%אSFFi
وFF|?אPFF+<אFFאFF א$FF(D$dFFא1FFوyא
?FF8א1FFنFFsFF?FF|_
نא2¥FF-FFא$א$FFKF %FF–دא#FFא
FYאqF;nFi[FوK$F[+אYאGeאHو
نK[$+[א$N
وאH3
W9X&
K٢٢٧ J٦٩ص،D1א$d+א،PoאW* א1
K٧٥ص،1&$d+ א2
;FFو\א$FF-FF$%QFFFFو،FF%א#NאFF;وאFFאZFF אWعyFF^אمFFWא،א$FF8;#FF-;$F
3
K٦ J٥مص٢٠٠٩،#-3אe-#%وא#;א3א;[א+אX$YאZ-.א
١٤
K6دNع-(دא+\א1YאG
K١
_2XFF3-(+{ص
وאFFl אªFF]_2FF;وvدFFvRFFא#FF(NWא6$FFoאFFG
K١m1
K٢
[Fذن2e،#(N–
אeא$%;HGvR–אYאd;و¨
ن
1FF
$Fא$F;FYعאF نوK|دא%;[9#و،(NWدא%א
eFدאF%;[FHFsS\$FNوאFh$دFhF|وאK[$F+[אF$NوאH38א
K#אeא9אووeدא%;(;وhWאeدא%;وvא
FFF-(#FF ضאFFF|אF FGعyFFF^אمFFFW
א$FFF8ن2لFFF%
نQFFFN8'א1FFFو
DFz[F;F[Fs,+א5d$yh[<אونوאGvRאH3א
FFوFFFFFF1FF]FFZFFn9FFHFFsFFدFFtא,FFls,FF+(אG1FF
#-F3אeFא$%;ن2QNوK|(ل+אYوعא$;t,+א-; Hda
tא,FFlWאsFאyFF]F،FFو+سאF
FF-;W،عyF^אمFFWسאF
FF-;مF%
[FعyF^אمFWمאF9&yFوKv$F-%אeאG(s|-[(.sT3-
K#-3אe;[א$-%אe^אVJא-f&א&وقאnG
<א45א
(אونو@א
(אون
אWC
ً (و
،½H;½ ¾ وزن-; ن1 ;ون א،s+ א#] |- אS ( אون-s ن2
9<ً
و;ونn9<م©¸
;ن%
]ونא،$Nوאqz[و;ون¨
;ن
(9MHsم%&ل+وאH;&א،:
ن
;و5Oو،¸
ن]و5O،s+א
K٢s+אGو،H&
،\Lوא$אf[
وع-;\$;1+אG#NfWوאون¨א
K٣\$1&+אp$و7-d+א5-O³
אون$8 -; م% ً * ً\ و3 8; #-3 אeن אM و[ אא
نg ،9א$G
و9] ' ً %& א$f%+ ً %% -O : وذ،[<وא
אאونRG9D%7Jאقא$%-
אون$8-hذ2א
q$Tل¨و;א|وא$1[¿¶ni[و،אسT:ذt,]®و،[<وא
ص،عy[لא^אمאeً;[א$W[لא#-3אe*مא،\$
1א$8;W* א1
K١٣٣ J١٢٧ص،9)HmووYא،sl$
#-;W*و،٥
،Eم١٩٩٦LFFG١٤١٧،١ط،نF(;دאWא دنF،7dFאF¬،د%א$8;[3#
[$(،vאאزW* א2
K٢٣٠ص
www.nabulsi.com/textWHf&[א$^+'+אאRG* א3
١٥
;h-אزאfلRG_2א|
وD%ذ:א،Dzveq$Tא
;$א|Xوא$M N$f%+دXאHmא+و;RTא|Xوא K$f%+
و;RG-אنא eא]3& #-3و*]Gو ©ن *ً(*]nدً%
;$د[g8sאسYً¤وא2N$NذאD%אn9<DNSY
]ون א!(' ; -א n9 Hs TR8 -- 7< 9hن
9א ًא (1h
^ [¨ Dل אRG W Yא אون [<] 9 Kد^h
&] _2 vא Kאz{+
وא5md+و]ز()-;9عאDz[;e1+אªא[Pd(-'$vRא+ل
א(ع[
[ًW$،n9z1
-dNن%8א<;D];-אPd+و $N
:ن RGא א ،(3N S -¬ g $%و ª ¿¶ [3אN .N8
و~ l W
%ن2نאeא%vRم;-אeאW2Zvא<(ً_2א]&ق]وn*#
]*(ًد$;ً%د[g8sאسن،{-ً¤و
نsl_2'$
א1
[eطW2-;#Gوfوא;،و
نא+و$%;Sאeوא
א1%א$+عوא نאR8+ول¨<%א،$%و
نא-;Hda[e1+אض¨د
;$%אeدون ] ;-وع אKYو 9-sRGא,אgXوא ،وTZ
[$א *(אn*]Jאאsو5zא Ke
XsאSeو 9א،91&P1oW2H(]W#oو]9odض
' ²dאd7- 1] #9 ،[e1+ل ; ، ys
-و$د $א 1ط ;-
א7א[93vRذK:وولא{$9][¥-א]P8e9و;X;9¥|]H-
א K١ns
2نא|dא(-א9;lJאא-ونوא<[وRلא<X7
PSאX+א%;#G+دא$d%WQN،X;yא+ونً[]و،وW
;_2'-ضR+ً%#ل،و[hniزRGXא%د'א!9وא|،و®
9-$א(%وא+אGوא،ذ
:نHא^Wאمyع2ذא2[1N
[-;X
RG 581א ® & %7-א] R8 ® ،ل RG H% Sא א1Nن ;ً،
%;qدא+و،XنHא+و2ذאR[-;Xلאض%oא<
<عא+لאR8+ول K-%S
Wً Hא)א (אون
1א*$8;[²fWא[
،$אeאو#א٢٠٠٣LFG١٤٢٣،#م،ص K٩
١٦
:FFFوذ،FFF%وאMyF FאFFF-;ونFFFFFF אnFFF3نאFFF%אSودFFF
مFFF-+[אFFFو
yFFאFF-;وאFF]}وW_FF]FFصdFFאRFFG[FF،FF-;QFFJFF;אFFصאdFF-
K١{وאن$وאniא-;]وאWو%وא
G#Oא4Gدbא
WdN?وא-אM
GDC )אJ(
F-;א#-FfÀא;لא#vl א##
[;n-1وv{8
جא
nG$F;نFsא¤$+nT;مzHM
و،א|^وS-
ذא2l نא2?Wn-و
K٢?n9
¸وn9،1$NوאK2Sn9(1אni$NوאPiS
W?-אMeאf&אZg Z() JS
vF{8وאאF(sF;א#FאF![אF\$F8;#F
[ً <
:ذD8]
M $%
F.QFn-Fو-;א#-f(
نلא9;א#א$8;[h[;n-1و
ذא2FNFh{،n9FF
وFmÁinFGאوF![אF\$8;
n9-; M e،HN1אH8
نF3،F-s'F(}F!א:FزوאدذeF\$F8;F
eF،^אدF¸אFDאª8s
لF%،\FVW28dF[F3n-¸N
ً -
ً -مHM s]%ن3،Vv^ود
ذאFF78_א2F9אnFiWلFNG$%$hو$%Wل%\؟V¸|]وWi$
F
F
nFiKF-\F;#FÁ}F!א:FذFHFseEg|dFאHF8!אFPF*אHF.XN
٣K(98d]n-(9Xni-N
אni،8d;
[-<
½ Â \$8;
i"7 (وאO אJج
HFsenFi،EFh{+אFً <F
(1FوF9-&و1FאSXF%&مאF%אجאF2W$9א
#FF9*vRوאWN[لאK#lSא[אRGZو،א<ً)زRGא<وRG
$FFوK?FFl אHFFFFو،<FFoאSdFFFF%DFF&]$FFو،&1FFאS-FFf
ن
Fsو،وضFوא$F9موאFאSsFאPF?WF%Q$FoאאRFTv{8;אنא
K٤?ً e$9אS(ن-1+®א+،<8<8لوززن)ز
و3(1
Wذج9OאklZلC C@אiو
QFFN6.FFאDא1FFאRFF9لW$FFWنאM \$FFFF
1FFא$FF8;¼FFאHFF-N$FFو
سF[אFF;¤tא,Fl[אFF#F א$dF%نאF3FNF
F9;()[¥-{1
Fn9FHM sXوאgم%وא،zوאH3אونوאªGEn9(9e
و$F9אKF2S(s:ذn9HM 3ذא]א2و1n9eאs,
نR±NزO
K٢W\$m+\א
١٦٢٦Q$oאnא{ن-;D&]ن(אh+وא-א
K١٢٩L٥،v{8א7f-;v8א،N[אW*א
K٥٥L٦،v8א،N[وא،٥١L١١v{8-#3אl
١٧
1
2
3
4
SFF(s،FF(GÃ&
و1FF
وאFF;אqوFF*:FFאذFF®ذא2و1FFgFFn9FFe
ن-dFaF(1FزאFOXWFoאFsSو،١\$F8;#F
Q$FN وFl אQ$N
:FFذSوK$FF9אSFF(s:FFذSXوFF&
وא،FF&FF(92FF+א.$FFoאSFF(sFF-;
دFF%;FFHFF8]FF³FF(G Ã
وFF
وאFF|[אFF;مFF3_א2\FFl2tFFGZFFF -~s
F%وאyFא#F-;عF(ونאF]G-3אsאK2[$d% نא،Xو+א
Ks,+[אg\$;1¨م%وא
vRFووא1F1(G1+\
نא$8;#
Q$Nوl אQ$NS
ووא
F-;HdFavRFووא1Fn9F $9אS
،Lو'א1n9HM s-;HdN
XsFسאF%¨سF%WF-s:FذSF [אF3KªF'<X&وn9Hs
אRFوK\وא#]אRא513لوא+](א9אدJא+אX+אªS(1%وא
SFFF9و9zوFFFFFF%&א5FFFsSFFFو+(א1FFF%אאRFFF9אدFFF+אZFFFوWvوFFFلאFFF%
K٢دh+n9]<ًوאn9<N2Gאد+´א2Ggא\و+אطא,lوאXא
א
אMאونg"#Wً <H
z{+ אK%]2 G وq$G D% Hh
[ #-3 אe אS ن8م אא%
YאK5;ذאn9ً;زz{+אRG['%$H(nT8%n9-;+א
¶vRאz{+א81'D&ل+|ً[א-8$NوאHs'$ذ2،i&]و،n9-;
ن3،#-3 אeאsl وH3אSs,+وقא$f_2 9;و
$8
ن8:و[ذ،s,+א אدא-;'%]J]|א אא$f
W]LאZ _א2$1#-3אeאونא
e אX1 qאl2 Y [د$9+ א אد אKWG م ]ون
K#-3א
n*]vאs אg8Y
وא#-3אeאX1_]ذ2z{+אf%+א
K8<mdN21Nقs,+]ز'א א
ًً<]'$3و،9دHmوe]S1Wو، 'אWeא
K91Nقz'و$אHmوn(d¸(s،9iو$N$;
4<א45א
"و@אE (א
K١٣٧#א%&א9h[وeא$%;،[1N#h-8א$(KدW* א1
Kn-17fl،vאوW* א2
١٨
e אn3o אS \i+ אHm1+ وא#-3 אe- אpد8+[ א
אsذQN8ولא7Q78+אאRGSو،|
א$8v$-%אeوא#-3א
W
$8+אאRT#;אHfeوא،#-3אeאSz{+א|وא
אm7"وאE (אWC
ً (و
G'و%]W'
و%]ن
و3]Wن
م3]
v$WJ\אz{+وאYאWG|א
Gjنsو،ل9نو'אKאTאSgوא،K+אS:(1'א8s،(NWא
v$WvRوא8لא9אG|،:-W'و،ل9)[z وv,+|א
،ن1Nوאyوא||&(אKÁS'و8+אSن3GوKHdaW
وHda
KXو+(אiو
א
אM"Eאعא#(Wً H
gie]$+9و9;5O م1
ii+אXو+אS|
ن
אعא
١W#-3אeאSiiא אعRG
Sg'א8sً;¤2G$1&Xو+دא%;SiאRGوWg.s WC
ً (و
KKאTא
و
س، 8![ א\ א%s ً ;¤2 gie] W אRG وW g1 Wً H
Kא$א
%o
[( ،د9h وאq H אRG وWg1 وאg.3دد א, Wً <H
eאS|وאK(3N;
g1%o
[و،(3N;
g.3
g.3_ א2 G و،+ وאg.3دد א, G H ،ً ^h g1 Z
K|א9iJאXو+دא%;[eא$%;
ن8وKP
دFF%;SiFFFF(sXFF;yدאFF%;SiFFFF|_
نא2אFF8GذKFF9%&אFF9¤ن2
F-;א-FfلאF\
نFG#F
[F;n-FوF-;א-FfF%F+אXو+א
אلF
HFs
وK<F|8אو\وא$FאF*¨ًF-K٢\dFo'אF[F;و،|;['א9n-و
S\دFh#FGF´2و،$N'و8א$%;-;\f[3]®H-אRGو
نKHz8אس
،\ود$FאF-(-دאن1F'אFWدאن1FאF،eFאS<F¼אFא6
،<א א$(،D$d א1
KG$و٤٣ص،Eم٢٠٠٨،١ط
K\g.s|;['א#9אQدN
وKn-1 وא2
١٩
HFsSًאi|نא3،H-'א92#9א$(،+אXو+دא%;Hs
K١+אXو+دא%;
WFF|نא2WאFوXF;yدאFF%;F-;F|אgieF]SFF9(!'אFF3+אF-א
FFFFFFאز+وא1FFFs(+אFFF-;FFFG8XFFFو+دאFFF%; نKXFFF;yدאFFF%;FFF-;iFFF
FG8XF;yدאF%;
نFNS،\sRF+אHF-_א2F|אF9vدF:RF،א
و،ًF-
ً FF-אً
وg.FFsFFعyFF+نאFFsذא2FF(FF|אiFFW:RFFوKFF3+אFF-;
KWً 9)
F-;KFعyFא$F%;FG#FאeFאKF87dFאFh
نא8אG[و
دF%;HFsSFوאF%%NiF+אF| نא:FذKFD8(s3+د\א1دא9hא
_2RFF&+אFFG–FF3+אv
FF-;KFF–XFF;yدאFF%;SFF|אgieFF]م$FF;وKeFFא
Kعyאhو-;H3אXsא,l'א$]ط
ن#-3אeא
HF8[F ،P
GH،ً;l^mh#-3אeنא2Wل%:Rو
ًאK^Fh'$F1F+
وאF(!אSt,FMHFsنFKF%وאyFא-;[<אونوא
[FFFFنFFvRFFאFF(!لאFFوق$FFfFFنFF3ZF &5FFzوFF[FF;FF[FF
mFF[FFFF2جFFa[FF+sא,FFlعyFFt,FFHFF3KK<FF; [אFFFFYאFFs$
F
و#-3אeאSعyو نאK9-;ن%&Jא%א51N،Ksא
FFF´2و،FFF_א2ن1FFFW$FFF%אאRFFFGSs,FFF+
نאFFF8;،FFFو+אFFF[FFF
WصFعF[Fعy]$%;v*S9KG$א5mאH(-;زµאونوאnGدd%
$F%;FGv$F-%אeF
نאFوK#FאF%&אSFو+אX;yدא%;Sg*
KאאSع³ذن29g.s&3و
W2FNوطאFدوאF%אSHFf
نאW#G$%אאRG7fn3J\א$;%وא
#FאF%&عא8
SD$م١٩٦١;مS:نذsوK-;אع¥-;
K(][نאمאh9و
HdFF:FF8FF]FF2eFF]sFFl
ولKFF2FF3אאRFFGFF-;KFFو
JFFوאHdFF:FF8;FFאFFאFF±GqאFFl2FFK١٩٧٧مFF;#دא1FFא#FFא
K<א א$(D$dאL¼אm]^אلWوs
W9XאV+وאXوא$د[א$;Seא$%Xא$אX(א
،FאmF8دאאWXوgFF،-Ffe]F9%Fدא#FאeFא،#F\دאF%[א$א##-;W* א1
Kqd١٦٠ص،Eم٢٠٠٥LFG١٤٢٦،٢ط
٢٠
QFF.وא#FF.אVFFSعFF+אQFFvRFF\אGFF%FFא6FF78'אFF()
אعFFF
FFFدאS(אFFFW'אFFF#وFFFאeFFFאزאFFFhFFF9FFFمو١٩٦٦ J١٩٦٥
K אeא
K١
SKFFFhوK١٩٧٦FFFאy٢٦ J٢١FFF3¨#FFFدאdFFFא ول#+FFFאVFFF+א
SFאeFאXsFlFVvRFאvFאeF
نאV+אW]אא
وطFאFאF]®F [<FونوאF-;F|אdFאDF%aWdFאאRG
|FFfא,FFWدdFFWوאFFאKFF(-;[FFFF![FF3],FFوאKFF-N#<FF%]JFFא
[FFًW$FF;FFאFF%دFF+ونאFFאDFF%وFF|وאFF[אFFFFeFF-
Kvאeא
K٢
¼FF٥٥nFFאFFSKFFhد1FFאFFאFF3-(+KFF(-אFF8sFF±GZFF-)
אزFFhWZFF-אFFv
FFאولא$FF]وFF+وאFFא$א$FFW#FF-FFFFFG١٣٩٧L٤L٤
FFhFFDFF%SvFFאeFF[אFF;FFKFF&sWنאFF32و،#وFFאeFFא
Kא$;אDא [אونو
K٣
FF3FFFG١٣٩٨ن8FFl_و\א و$FFא#FF®אFFאFFא#FF9%&'אFF(אZFF-)
nFFFF.s ZFF-אFF:FFذSv
FFאولא$FF]وFFאאFFא$א$FFوFF3+א
K;('
אeא
K٤
אزFh[FKF(-אF8sF±GZ-)א-;%א+عא¤WZ-(אs
Kאمvאeً[אW$#אوeא
W#אא%א$f
$١٤٠٦.دو]אS\$#א%&)('א
K٥
eFFאXsFFlFFHFF]vRFFאFF.א1FF%ذאאvFFאeFFא$FF%;ن2
Kً ;lאمN9אRTو،$%-$1&g.s$%;vא
E
#وFאeFא$F%;G؛#אHلאf
م,avRאH$8א$%نא2 EP
nmF%אeF;د\א81لoא:RsوKعوאونy
سא-;nm%א
K#אوe
سא-;
:RFFsو#وFFאeFFאX1FFFF2FF-;HFF(-FFولא$FF\אFF; دEج
|لFW[אF#FدאdFWאF7FNeF]و;د\אX1
K אRTאvRو[¬&א*مא
ً sFFنFFsوXאVFF+אRFFGHFFsSًאFFN<FFאD$dFF¼אFFنאFFs$FF%
HdF:F8FאאeאslK2S-(אni*אie
g8F3مאF(GWX;F+[אFعF Jv$F%]S–¢a®وKدאن1#א
٢١
'FF]'FFًא$;dFF<FF¼אFFאFF*$FFeאHFFjوK#-FF3אeFFא$FFhوvRFFא
#-FF3אeFFאX1FFKFF2FF-;XאאFF%אFF.NnFFiKً F;¤2FFfFFNXאVFF+א
RFFGKFF2FF-;g8FF3لאFF8WאSKא$FFאאRFFGFFÁX
$FFوKKHFF3د\אFF;2X1FFو
K+وא$(oوאX1+א
א
אM"Eא)א (אWً <H
وF;وF'وF]ن1FنאF3ZF وא|وzن1\אNن2
yFYFKF]$
وF]אد2[F;جF9<Fن2ذ2FYאعאF
HFs[1&
FF [אFFFF9;ووFF8|אFF [אFFFF9;وFFوFFوFFאFFאSدFFhو
وFF9FFوא9&FFsوFF9+HmFFوtFFG
نFF%]FF:FF'ذFFوKFF(NWא
JF(אאد\وא[א وאG
-;ل$]Jصאd[אg.3אt9K9]دא2
[FFzNÅ;و+אHm'א¤אزאذhوPoאqY\אf;و9
F
F אF\9+صאdو[אKGg&و3\وو;אg83אoאm1
K?Hs]و9-%;
WÀلא%؟Hs]
م9-%;
?ولÀ_א2HhאKh$;
KF9(o;وF+אH81F'אF¤א<عذY_א[א2gQ$o
\1FYאS581F]$FvRFאªFאYqא,;Wא-;ل$]<
\sR+صאdوא
Kg|]دونN-;K#אK%
و
[FF[אFF;FFאوאFF9-;FFد$FF%،#-mFFאHFF3אS<FF+ذجאFF´SFFYאFF
Wً F'Fذאد2F;א#F5F-+א$F8;[FسF8نאFsWلFF
(9;א#س8;
$F8sذאFv,FWًوFوאدF^لFWو،ًאFF:-1FW
8NFfF-;ط,Fl<א
FF-;FFد:RFFsوKزFFheلאFF_2zFFl'FF،[FFFF9HFFنFF،FF8z
HFs1F:F'ذF[و$FאS\د9Fوא3و;א<(نوא-;א$صאdא
1F+وאF(%אFNF<
صdنא2ذ2N8<+א$%;
´ذج
ًF WאzFF{+عאFF[FF1FF+وאFF(% نא:FF<وذFF+ذجאFF´FFعFF[FFJFFא
K$9hv
;دونvRلא+אq
513%+אH8[\دd%+وא
FFGFF³FF
ذ2YFFFF|אn9<FFqFF;$FFوFF|عאFFKFF(- }אFF$FF%و
S\yFFzFF{+وאFF|[אFFnFF;
FFYنאeFFFFKFF(-אªFF[FF3وKFF8א1FF
[FyFHFF8¦[F3Wو،YFFzFאXF-(ذ
نא2אX-(א
SF(sلFNFWאنF|
ن?אvd+אZDs$لא$%وK אH;א
٢٢
zF{+אزאhم$مds$א5GوذK?(%'א8אS(sאمNא\و
K١(%אH8[Jא#-mאH3אS<+´ذجאS
;FאFא دSZF-zF{+و
אKK?z{+_א2(][ ¼אمאll
$و
FHFsWوzF¬HFsFa®F
نאوnF-;$FHFzF¬Hsn
RFG'F¤nF5FhFعFאF
دSZFوn-1Fم
وF|
وn|
نHددא,نs
HFz8لF+אHFs
F-;H(FFאعF אRFG[FمFa[F3 ًوFW ًوdWא אع
٢K?KKKHz8ل+אHs
مa(sHz8لHs
אع$;n7-5h+وא
$dF%-1אv,
ن#G א وz{+אW]نz¬\z{+وאKK?n%ولא[א
لF+אHFs
[(<FvRא1+אW#.אYوא،:ذSא-;Hsوو98
ن
FF-8oאHFF8N\وRFF+وא1FF+'אFFHFF.،FFو#FF]אFFNvRFFאאRFF9HFFz8
F($F(G$FN
نF3عFאאRFG[Fو9NFfو$FH8(.<و'א+ وא+وא
אRFG$FnFi-1Fא,Flא$FvRאhאqL([אG$N
n-*(و-jوLא
'F'وmF8[אFאRFGHF.n-*FWوF-NF$N Z78א[אR9G¥%
$F;ZFF;F+אRFGF-;F
ن$dFF 1F+وאF(%אn1F[F$F;ZF
HFFوא,F®:FאذF(-;אس.s
وg[v,ni8
n-Wv,+وא
HFدRF±7<F8وF3-$F;XFfو-1אhאv,lאQN[ون,نو8GR
n3FFn3
אFF
HFFse]W}WFF%אFF-N
FF(s\FF'אFFعFF\وFFאFFS
K٣{n3ن¦\;[]אض3]
نW2Hz8
[FF3 وFFא51FFsHFF[;אFFوFFN8\FFאSFFY
نאnFF%[אFF2FFsذ$FF%
s$FFאFFوKFF8+אFFYאSH$FF]WعFF8אS
FF|وאFF(%\אFFfSJFFאFF א
zF{+[אF;:&W#-3אe[عאvدdW
نאطאn-1א#
#FFGوFF+אXWدF8+אnFF*SلFoאFFGF(sFF8]FFYنאFsFFقF$FFh[F3و
FF]zFF{+אRFFG[FF3و،zFF{+[אFF;FF8:FF&]WJFFوא،\وFF.-FF+אXWدFF8+א
طFאFGو،دلF8Ff
\دdF%+א#G1و3-+אz¬9W#%%oطא-
K٤vدdWא
Moh ma’sumBillah,Islamic and Modern Insurance :principles and Pratice,(Kuala F*
1
publishers,2003) صlumpur :Ilmiah 94&96 –
K٥٢٢ص،E(-א53دאא،XوgF،(][Wd+אvא&وd¬W#-8א$([$א$ 2
،١٤ط،Fא1FWXوgFF،nF%[אFWدF+زאدא،א$F8;F
#F;^אPF
F3#F
[F$(W* א3
K٧١٨L٥،Eم١٩٨٦
،Eم٢٠٠٧،5$Fوא678-#א$9W\$hF،#אH(طوא7א،nGא2#،n-1אW* א4
KG$و٦١ص
٢٣
45אnTو0א
JFFאXFF*N+¡وאmFFوאXFFfאªFFQFFN8א¥FF{-عFF+אאRFFGFFدא$FF
W#-3אeאS9;#|8
Fא$G
DF%aًא
وF´$^[
ن3W#-3אe
نعא%
ن#|8 WC(و
#FFFF(-א#;FFFF[אFFFFg.FFFFsאFFFF]'FFFFW2–v$FFFF-%אeFFFF[אFFFFgFFFF|s–
K9]]HsSمא3N
'D&و
ن،vدdWوא
FFFאFFFمאFFF3N
'FFFDFFF&vRFFFאeFFF(א1FFF[
ن1FFF71+[אFFF Wً H
X(1F[אFFGg
و#دF8
وא#وFאeFً[אW$?#-3אe?אF
KF· אRFG
نF¨K\אوאZوH3א سאونوאG$dJא
دFFS(FFW(و-1FF+אgFF$FF\دFhFFT.
?و#وFF?
و?א#دFF8[?אFF
|dFF'אFFFF%1FFو،eFF[אFFعFFאאRFFGeFFHFFf
#FFGJFFאPFF|א
ً zوFFlHFF3ون
وאFF[אFFعFFאאRFFGS5FF-]FF
نא:FFذFFא
FFFF-;PFF|אS#دFF8وא#وFFאeFF§אFFfאعوFF
SאFF]W¥mdFFو
#-3אe- אpد8+[אQN8א8q
[FF ،v$F-%אeF[אF;F&3]وF
S-¬#-3אאMن2 Wً <H
HFF(Stא,FFlWوאFF אFF&]FF-;ونFFאFFf
FF9JFFعאyFFدאFF%;
FF$%§FF8¨{صFFl
م9FF2DFFz[FF;:FFوذ،6אFF3^ولאFF$FF;و1FF+א
ن$91FFW#-FF3אeFFאFF;(،<FFא8dFF[FFªFF¥dFF
F-;ونFوאn9FF ون]ز'א$d%´2وnGgً[
אلW¦\و
K<אH(
[Ff+אKF9%&[אF'F¤FאvRFא#-F3אeF-'mא3نא2 Wً Z"א
FFF*&HFFF3אSs,FFF+אFFF;(عyFFF1FFF&^مFFF-t,FFF+
نאFFFG
F*&[FعyF
< ًא^אم9<+אt,+א-;Hda
KH3א
KFF&وطوאFFאDFF%وFF[FF+<אFFعאFFوFF-;DFF-^אمFFאFFGوHFF3א
K<+אt,+אG^م-+وאKXאK.Wא
אونG vR אH3 א-( # א|ض אG عy ^אمW
א$8 ن2 Wً -]
(G1 Dz [; [ s,+ א5d $ yh S [<وא
و1] Z n9 Hs دtא,l s,+א
eא$%;ن2QN وK|(ل+אYوعא$;t,+א-;Hda
y] ،و+ س א-; W ،عy ^אمW س א-; م% #-3א
yوKv$-%אeאSG(s|-[(.sT3-tא,lWאsא
٢٤
&9م א^Wאم yع [ nGא&وق א& -fא ^V Jא eא[; v$-%
אeאK#-3
د ً2WنMאeא#-3א[#YאX&{+א;][;H$#2eאe
א% ،v$-%م ; $8 -א^Wאم yع ،و $8אون ،و $8א|
وאKz{+و
نMאR9j&NWא8+دX1$;1pא
-;H3دאKوא9]8h
א K(±W
-; Wً ZאX-1א
ن] RG -;qא8+دpא א
Jود+Gא8
Xslא،9-(;'¤S H3و]אS s,+9;5א،H3
WNد_2vא'HאeאHh
[v$-%א;e5א KnT
٢٥
9Tpא>د"وאא oi
E١F
$8; #-; $א ،א^Wאم yع Wא Zא; وאא #Nא ،%و
$-$%Qو\א;אZ-.אX$Yא+א;[?א3
א;#وאe-#%א٢٠٠٩،?#-3م K
E٢F
8f $( $غ ،א X3+א %8وא( g -א %א] Jא99h
Xslא،eصN%-o$% ١٢אNل;%دאeאW\$hF،#
$9א678وא5$א:8א KE(-#
E٣F
$א$([$אd¬ ،#-8א&وvאgF ،(][Wd+وWXدאא53
א،(-د KEXK
E٤F
אאز$8;[3#
[$(،vא%د¬،אF،7dא دنWدא;(ن،
ط١٩٩٦LFG١٤١٧،١م K
E٥F
f
X7-d n ،&d 5 ،ل א&gF ،%و h WXא&3
א،f+ط٢٠٠٠LFG١٤٢٠،١م KE
E٦F
(-ن 2אi nGن ،א eو
gF ،3Nو WXدא א[ ^Nم ،ط،١
٢٠٠٣LFG٤٢٤م KE
E٧F
א2 # ،n-1א ،nGא7ط وא( Hא $9 W\$hF ،#א#
678-وא٢٠٠٧،5$م KE
E٨F
$8;[²fא[
،$אeאو#א٢٠٠٣LFG١٤٢٣،#م ،
E٩F
א $( ،D$dא א< 6
،א¼ א< SאF ،eא1دאنW
'א1دאن-(-א$ود\،ط٢٠٠٨،١م KE
E١٠Fא$(،D$dא א<،א|و
Siא%دSא&%אW\$hF،#
)(;دאdsyدא،#ط١٩٩٥LF١٤١٦،٢م KE
$8; E١١FאS6،\$
1אX+وא 5-אd+אW\M$hF،
slא;()D.دא،syא!^Kא،'1ط٢٠٠٦،١م KE
$8; E١٢Fא S 6 ،\$ 1א X+وא 5א d+אW\M$hF ،
slא;()D.دא،syא!^Kא1دس،ط٢٠٠٥،١م KE
$8; E١٣Fא*،\$
1مאeא[#-3لא[;ً$Wא[e
لא^אمאyع ،و$$%Qو\;[;+אeאو[#ل
א،س٢٠٠٨مK
٢٦
E١٤Fא ،N [ #-; [ $
،#%1א 7f -; p8אD% ،v{8
($אد;$8אgF،#8وWXدאא KEFG١٣٦٩،+
# #-; E١٥Fא [$א \%دא ،#א eא W#دא gF ،-fe] 9%وWX
دאאm8א،ط٢٠٠٥LFG١٤٢٦،٢مKE
$8; ،}-; E١٦Fא ( ،$
[ $א%א א&gF 9%و WXدא אP3
א،#ط١٩٨٩،٢م ،E
$8; (; E١٧Fא ،Hsא%א; $א& 9%א y3و
S Giא X+א+
Fא ونWدאא،À3ط٢٠٠١LFG١٤٢١،١مKE
E١٨Fא| ،#אdدق ; $8א
[ ،و א X+אF mא W\G%دא א1م،
ط٢٠٠٣LFG١٤٢٣،٢م KE
Z-) E١٩Fא X$Yא +א ،א8+د pאlد <א א eא،#-3
د٢٠٠٩y(1م K
P
3 #
[ $( E٢٠Fא^; $8; #א ،زאد א+د [ אgF ،n%وWX
1א،ط١٩٨٦،١٤م KE
E٢١Fא [ n-1 ،v1אoج $( WD% ،n-1 7f ،אد ; $8א#8
gFوWXدאKN2א,א6א،#د KEXK
±G E٢٢Fא 8وא+א X1(- hא +وא ،א g+א; W
א eא 3-³F ،#א ±G W[78א 8وא+א X1(- hא+
وא٢٠٠٧،م KE
٢٧
© Copyright 2026 Paperzz