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nino tabaRua 568 82 58 35 gasul kviras finansTa saministrom sapensio saagentos direqtoris postze vakansia gamo- acxada. aq gasakviri araferi iqneboda, rom ara is minimaluri moTxovnebi, romlis dakmayofilebis Semdegac pirs mTeli qveynis sapensio fondis marTva da administrireba bardeba. moTxovnebSi minimalur ga- naTlebad ekonomikuri, finansebi an biznes-samarTlis bakalavris xarisxia miTiTebuli, aseve ingli- suri enis codna C2-is doneze da finansur institutSi xelmZRv- anel Tanamdebobaze muSaobis aranakleb 5 wlis gamocdileba. vakansiis mixedviT, „sapensio saagentos direqtori warmoadgens sajaro samarTlis iuridiu- li piris _ sapensio saagentos warmomadgenlobiTi uflebamosilebis mqone pirs”. mis movaleobebSi ki Semdegi ram Sedis: „sapensio saagentos marTva „dagrovebiTi pensiis Sesaxeb” saqar- Tvelos kanoniT gansazRvruli miznebis miRwevis uzrunvelyofis mizniT. direqtori ar monawileobs sapensio aqtivebis sainvesticio saqmianobis ganxorcielebis procesSi da angariSvaldebulia sapensio saagentos sameTvalyureo sabWos winaSe. sapensio aqtivebis marTvasa da zedamxedvelobaze pasuxismgebelia ufrosi sainvesticio oficeri da sainvesticio sab- Wo „dagrovebiTi pensiis Sesaxeb” saqarTvelos kanonis Sesabamisad. sapensio saagentos direqtoris uSualo movaleobebia, romelic moicavs, magram ar Semoi- fargleba: • sapensio saagentos instituciuri Camoyalibebis procesis dagegmva, ganxorcieleba da marTva; • „dagrovebiTi pensiis Sesaxeb” saqarTvelos kanonisa da sapensio saagentos debulebis Sesabamisad sapensio saagentos organizaciuli struqturis SemuSaveba; • sapensio saagentos saqmianobis wesebis (Sinaganawesi) SemuSaveba da wardgena sameTvalyureo sabWosTvis dasamtkiceblad; • „dagrovebiTi pensiis Sesaxeb” saqarTvelos kanonis Sesabamisad sapensio saagentos individualuri sapensio angariSebis registrirebis, marTvisa da administrirebis wesebis SemuSaveba da wardgena sameTvalyureo sabWosTvis dasamtkiceblad; • „dagrovebiTi pensiis Sesaxeb” saqarTvelos kanonis Sesabamisad sapensio saagentos sainformacio teqnologiuri sistemis (sapensio Senatanebis administrirebis eleqtronuli sistema) SemuSavebis procesis xelmZRvaneloba, testireba da danergva individualuri sapensio angariSebis marTvis mizniT; • sapensio saagentos yoveldRiuri mimdinare saqmianobis marTva da xelmZRvaneloba „dagrovebiTi pensiis Sesaxeb” saqarTvelos kanonisa da saqarTvelos kanonmdeblobis Sesabamisad; • sapensio saagentos warmomadgenlobiTi uflebamosilebis ganxorcieleba „dagrovebiTi pensiis Sesaxeb” saqarTvelos kanonisa da saqarTvelos kanonmdeblobis Sesabamisad; • sapensio saagentos TanamSromelTa SerCevis, daniSvnisa da gan- Tavisuflebis procesis xelmZRvaneloba da marTva „dagrovebiTi pensiis Sesaxeb” saqarTvelos kanonisa da saqarTvelos kanonmdeblobis Sesabamisad; • sapensio saagentos sameTvalyureo sabWos gadawyvetilebebis ganxorcieleba da Sesabamisi angariSgeba; 16 294 69 77; qronikaqronika@gmail.com • sapensio saagentos mier „dagrovebiTi pensiis Sesaxeb” saqar- Tvelos kanoniT dakisrebuli uflebamovaleobebis Sesrulebis uzrunvelyofa, maT Soris, Sida kontrolis meqanizmebisa da mar- Tvis sistemis xarisxis uzrunvelyofa da zedamxedveloba; • sapensio saagentos biujetis SemuSaveba saqarTvelos kanonmdeblobis, maT Soris, „dagrovebiTi pensiis Sesaxeb” saqarTvelos kanonis moTxovnaTa dacviT da misi efeqtiani marTva jansaRi finansuri marTvis principebis Sesabamisad; • Sesabamisi finansuri gadawyvetilebebis miReba saqarTvelos kanonmdeblobis, maT Soris, „dagrovebiTi pensiis Sesaxeb” saqarTvelos kanonis moTxovnaTa dacviT; • sapensio saagentos warmomadgenloba dainteresebul mxareebTan da sazogadoebasTan sapensio saagentos saqmianobasTan dakav- Sirebul yvela sakiTxTan mimarTebiT; • yovelwliuri angariSgeba saqarTvelos parlamentis winaSe „dagrovebiTi pensiis Sesaxeb” saqarTvelos kanonis Sesabamisad”. sainteresoa, rom am Tanamdebobaze mosul pirs sasurvelia, damatebiT hqondes aqtivebis mar- Tvis gamocdileba an/da sapensio sqemebis principebis codna. gancxadebis Tanaxmad ki sapensio saagentos direqtoris anazRaureba 10 000-dan 15 000 laramde iqneba. akaki comaia _ ekonomikis eqsperti: „Tu saubaria imaze, rom akumulirebuli fuladi resursebi unda ganTavsdes fasiani qaRaldebis usafrTxo portfelSi ise, rom yvelanairi riskebi dazRveuli iyos, portfeli iyos rac SeiZleba diversificirebuli da, amave dros, iricxebodes maRali sargebeli sapensio Senatanebze (es aris ZiriTadi sazogadoebrivi interesi, Tu SeiZleba ase vuwodoT amas), maSin mis ganxorcielebas, bunebrivia, sWirdeba adamiani, romelsac didi praqtikuli gamocdileba aqvs msgavs sferoSi. minimaluri moTxovnebi, rogoric bakalavris diplomi da 5- wliani muSaobis staJia sabanko seqtorSi, ra Tqma unda, did eWvebs badebs da kiTxvebs aCens, _ xom ar aris igi morgebuli konkretulad romelime pirovnebaze? miT ufro, es pirovneba gamartivebuli wesiT airCeva am poziciaze. bunebrivia, Tu Cven gavyvebiT sapensio saagentos direqtoris vakanturi adgili da minimaluri moTxovnebi logikas imaze, Tu rogor xdeba daniSvnebi, zogadad, saxelisuflebo struqturebSi da rogor mimdinareobs kadrebis politika, ma- Sin eWvis doneze ki ara, dadasturebulad SegviZlia vTqvaT, rom arsebobs konkretuli moazrebuli da winaswar SerCeuli pirovneba, romelic am postze gveyoleba momavalSi. xelisuflebaSi aris Tama- Sis wesebi, sadac arsebobs SeTanxmeba imis Sesaxeb, Tu konkretuli adamiani konkretul Tanamdebobaze romelma gavlenianma pirma unda waradginos an daniSnos. rac Seexeba uSualod sapensio reformas, vityvi Semdegs: 1. rasac vTmob dRes, minimum unda iyos toli imisa, rasac avi- Reb momavalSi. radgan garemo Zalze araprognozirebadia, riski maRalia. Cemi uflebaa, gavwev Tu ara aseT risks. aravis aqvs ufleba, rom es sakiTxi Cem magivrad gadawyvitos. SeiZleba asec davsvaT sakiTxi. mTavrobam Semimciros saSemosavlo gadasaxadi 6%-iT, rasac gadavaxurdaveb dolarSi, ganvaTavseb komerciuli bankis gr- Zelvadian anabarze da gacilebiT usafrTxod vigrZnob Tavs (mTlad usafrTxod vera, magram yvelaferi SedarebiTia); 2. iqmneba axali instituti _ ssip (agenti) _ informaciis asimetriis problema #1: a) aqvs garantirebuli Semosavali. anu ar aqavs motivacia, rom daicvas mmarTvelis interesebi. Senatani rom nebayoflobiTi iyos, maSin fulis mosazidad iZulebuli gaxdeboda, rom zemoxsenebuli riskebis daz- Rvevis garantiebi SemoeTavazebina. SeiZleba es regulirdebodes kanoniT, Tumca verc erTi kanoni ver daadgens iseTi investiciis Sinaarss, romelic usafrTxoa da iseTi sargebeli moaqvs, romelmac aTeuli wlebis ganmavlobaSi unda gaaswros inflaciis dones; 3. iqmneba axali instituti _ ssip (agenti) _ informaciis asimetriis problema #2: erTi mxriv, moqmedebs mmarTvelis davalebiT, meore mxriv, eqvemdebareba saxelmwifos (parlamentsa da erovnul banks) da iribad erTveba saxelmwifos ekonomikuri politikis ganxorcielebaSi. magaliTad: a) larizaciisTvis saWiroa iafi laris resursi, romelic konkurencias gauwevs dolaris sesxs. ramdenime weliwadSi ssip-s eqneba miliardobiT aseTi lari. Tu komerciulma bankebma sesxi waiRes dabali sargeblis ganakveTiT (refinansirebis ganakveTze naklebi ganakveTiT), es ewinaaRmdegeba mmarTvelis interess, radgan sagrZnoblad izrdeba albaToba, rom mmarTvelis sargebeli ver daeweva inflacias; b) mTavrobas SeuZlia sesxis aReba didi periodiT (da aucileblad isargeblebs amiT), romlis gadaxdis vadac dadgeba maSin, rodesac, sul mcire, 5 mTavroba gamoicvleba. sesxis amReb mTavrobas pasuxismgebloba ar aqvs; 4. iqmneba axali instituti _ ssip (agenti) _ problema #3: aris monopolisti da mudmivad iarsebebs Semosavlis maqsimizaciis problema (rom saagentos Semosavali iyos maqsimaluri arsebuli sakanonmdeblo SezRudvebis farglebSi. rac naklebi eqneba SezRudva, miT ufro metad isargeblebs). garda amisa, sazogadoebrivi sike- Tis miwodebasTan erTad kerZo interesis gamoricxva didi sisulelea (Tan saqme exeba miliardobiT laris gankargvas); 5. problema #5: dRes dazogviT moxmarebas akldeba saSualod 900 milioni lari (davuSvaT, ekonomika ar izrdeba). aqedan 300 milioni garantirebulad: a) sazogadoebriv proeqtebs, b) transferebs, g) sazogadoebrivi valis gastumrebas. 600 milioni investiciebsa da ker- Zo moxmarebas. (2+2) 4%-iani tvir- Ti gadanawildeba damqiravebelsa da daqiravebuls Soris, miuxedavad imisa, Tu iuridiulad vin ix- `rasac vTmob dRes, minimum unda iyos toli imisa, rasac aviReb momavalSi. radgan garemo Zalze araprognozirebadia, riski maRalia. Cemi uflebaa, gavwev Tu ara aseT risks. aravis aqvs ufleba, rom es sakiTxi Cem magivrad gadawyvitos. SeiZleba asec davsvaT sakiTxi. mTavrobam Semimciros saSemosavlo gadasaxadi 6%-iT, rasac gadavaxurdaveb dolarSi, ganvaTavseb komerciuli bankis grZelvadian anabarze da gacilebiT usafrTxod vigrZnob Tavs (mTlad usafrTxod vera, magram yvelaferi SedarebiTia)~ 16 N27 (248) 14.08-4.09.2018 w.
`aseTi kadri sariskoc aris, aman SeiZleba gamoiwvios buntic, Tu sapensio fondi gakotrebis mimarTulebiT wavida. am SemTxvevaSi mas SeiZleba maRali albaTobis riski vuwodoT. erTaderTi gamosavali iqneba sapensio fondis kompensireba sabiujeto saxsrebidan, radgan sxva gamosavali mTavrobas ar eqneba. aman kidev SeiZleba uaresi Sedegi moitanos, imdenad ramdenadac is programebi, rac biujetidan finansdeba, aRar iqneba dafinansebuli da Tanxebis nawili wava sapensio fondis danakargebis Sesavsebad. amitom vambob, arom aq saWiroa Zalian frTxili da kvalificiuri midgoma. SeiZleba pirovnebas harvardis universiteti hqondes damTavrebuli da pirobiTad, 25 sertifikati aRebuli, magram es arafers niSnavs, Tu igi ar iqneba gadamowmebuli da ar dadasturda misi maRali sainvesticio kvalifikacia~ dis gadasaxads (imis gaTvaliswinebiT, rom Sromis miwodeba aq Zalze araelastiuria, e. i., daqiravebulze) da radgan dRevandeli moxmareba ufro metad daqiravebuls Seumcirdeba, es aucileblad aisaxeba sakredito bazarze, radgan moTxovna samomxmareblo, ipoTekur kreditze Semcirdeba (varaudi: dRevandeli realuri Semosavlis Semcireba ufro metad Seamcirebs im saqonlis moxmarebis Semcirebas, romelzedac moTxovna Semosavlis mimarT ufro elastiuria. anu naklebad savaraudoa, rom Semcirdeba moTxovna mag., sakveb produqtebze da metad savaraudoa, rom Semcirdeba moTxovna sayofacxovrebo teqnikasa da uZrav qonebaze). es an Seamcirebs sargeblis ganakveTs, rac ewinaaRmdegeba mmar- Tvelis interess, an mTavroba wai- Rebs sesxs komerciuli bankebisgan SedarebiT maRali sargeblis ganakveTiT. mniSvneloba ar aqvs, rogor ganmartaven iuridiulad, ekonomikuri Sinaarsi gaxlavT is, rom es aris calsaxad gadasaxadi. kerZod: a) gaiZulebs gadaxdas (arCevani ar gaqvs); b) sanacvlod sazogadoebriv sikeTes gpirdeba da Sesabamisad, ewinaaRmdegeba konstituciis Tavisuflebis aqts. vaxo Waraia _ Tsu-s analizisa da prognozirebis centris direqtori: _ mniSvnelovania, rom am reformis Sedegad maT nebismier proeqtSi ar moaxdinon Tanxebis investireba. aq Zalian frTxilad da mozomilad, praqtikulad, urisko fasian qaRaldebsa da proeqtebSi unda Caidos mTeli akumulirebuli fuli, rom saerTod eWvic ki ar warmoiSvas sapensio fondis mdgradobasTan dakavSirebiT. meore mxares rom SevxedoT, Tu ar gyavs kadri da gundi, romelic Zalian gamocdilia am mimarTulebiT, maSin im uamrav arsebul kiTxvas ukve emateba axali kiTxva kadrebis kvalifikaciis Sesaxeb. kidev erTi sakiTxi: xelfasis moculoba. maSin, roca pensioneri 200 larsac ar iRebs pensias, sapensio saagentos direqtors uniSnav 10-dan 15 000 laramde xelfass, logikuria, rom adekvaturi anazRaureba eqneba mis moadgiles, mere Seiqmneba departamentebi, iqac yvelas maRali xelfasi eqneba da a. S. _ am gundis SenarCuneba da misi finansurad uzrunvelyofa Zalian Zviri dajdeba. am yvelafers Tu gavaer- TianebT, sakmaod cudi mdgomareoba yalibdeba. pensioners Zalian dabali pensia aqvs da TviTon sapensio fondis SenarCunebasa da administrirebaze yovelwliurad milionobiT lari daixarjeba, rac, principSi, miuRebeli Tu ara, rTulad gasamarTlebelia, magram am poziciaze vinc miva, masTan ki ar unda gvqondes pretenziebi, aramed am sistemis SemqmnelebTan, mTavrobasTan, vinc Camoayaliba es struqtura uamravi kiTxvis niSniT da Tan axla TanmSromlebs mravalaTasian biujets uniSnavs. saboloo jamSi, mainc kidev erTi didi kiTxvis niSani daemata sapensio fondis mdgradobas. mTlianobaSi, sapensio reformasTan piradad Zalian bevri SekiTxva maqvs... bevri niuansia, romelic gadauWreli Cans. Tundac is, rom mTavrobis gancxadebiT, mTeli, akumulirebuli Tanxis 20%-ze mets ar gaitanen qveynis gareT. anu 20%-ze metiT ar davafinansebT ucxo qveynis ekonomikebso. ramdenime wlis mere, roca fondi miaRwevs, pirobiTad, 5 mlrd lars, misi 20% aris 1 mlrd lari _ Tundac amdeni ratom unda aiRos qar- Tulma ekonomikam da ratom unda Cados sxvisi qveynis ekonomikaSi?! an danarCeni 80% sad unda dabanddes?! Cven msxvili da Zlieri kompaniebi ar gvyavs, vinc fasian qaRaldebs uSvebs da Tan sandoa, Sesabamisad, gvrCeba erTi varianti, rom amas aiTvisebs mTavroba, gamouSvebs fasian qaRaldebs da am qaRaldebis sanacvlod sapensio fondi mas sesxs miscems. anu Cven gadavalT im procesze, roca ar aviRebT sagareo vals, Tumca aviRebT saSinaos... amasTan, SeiZleba erTma mTavrobam aRos es Tanxa, raime kargi saqmis gasakeTeblad gamoiyenos, vTqvaT, gadawyvitos, rom sadRac sofelSi surs gzis dageba, amisTvis SeiZleba biujetSi sakmarisi fuli ar iyos da man sapensio fondidan isesxos. im soflisTvis gzis dageba kargia da Tan cudi saqme ar keTdeba, magram ase bevr N27 (248) 14.08-4.09.2018 w. 294 69 77; qronikaqronika@gmail.com sesxs rom aiRebs mTavroba, mere am fulis ukan dabruneba yovelTvis problemuria da sapensio fondi iseTi tipis fondi ar aris, rom Tanxebi gasces da mere ar moikiTxos, rogorc riskiani investorebi akeTeben. aq piriqiTaa, minimaluri riskis mqone unda iyos investicia da Tan marto saxelmwifosTvis fulis sesxebac kiTxvis niSnis qve- Saa... anu ramdenad mizanSewonilia, rom mxolod erTi msesxebeli gyavdes?! Tu sxva mxriv SevxedavT da isedac Zlier bankebs miasesxeben am fuls, maT gaZlierebas kidev Tu Seuwyoben xels da alternativebs ar ganaviTareben, egec sxva, axal problemebs warmoSobs. garda amisa, ra iqneba im Tanxis msyidvelobiTi unari, romelic dagvigrovdeba, ucnobia. saSualod rom aviRoT, bolo 20 weli saqarTvelosTvis, daaxloebiT, 200%-iT, anu 3-jer aris Semcirebuli erovnuli valutis msyidvelobiTi unari. Tu 1998 wels 100 lari gvindoda konkretuli niv- Tis SesaZenad, dRes 300 lari gvWirdeba imave nivTisTvis. ramdenime aTeuli wlis merec igive daemarTeba am larsac, Tu arada, Tu sxva valutas miebmeba, iq Sei- Zleba kidev calke maqinaciebi warmoiSvas, amas emateba TviTon fondis Senaxvis uzarmazari saxsrebi da am yvelafris Semdeg mosaxleoba ratom unda iyos aRniSnuli reformiT kmayofili, gaugebaria?!. Tan, roca Cven dRes kompaniebs veubnebiT, gadaixadeT es 2% da dasaqmebulsac veubnebiT, Semosvalis 2% gadaixadeo, varTmevT maT fuls im imediT, rom aTeulobiT wlebis mere gadavuxdiT, magram dRes kompaniis WrilSi es gamoiwvevs maTi saxelfaso fondis Semcirebas. an is ver daiqiravebs axal TanamSromels... TanamSromlis mxridan rom SevxedoT, maT gauZvirdebaT samomxmareblo produqtebis SeZena (roca kompania xar da iZulebuls gxdian, 2% dasaqmebuls gadauxado zedmetad, Sen gaaZvireb sakuTar produqts, Tundac, 2%-iT, amas moyveba fasebis awevac), am yvelafrs erTian konteqstSi Tu ganvixilavT, Zalian sarisko nabijia sapensio fondis Seqmna. vaxtang xomizuraSvili _ ekon- omisti: _ yvelas Tavisi muSaobis algoriTmi da reglamenti aqvs, plus am adgilze mosul direqtors aucileblad unda hqondes investiciebis marTvis kvalifikacia sainvesticio portfelis formirebis, riskebis Sefasebis TvalsazrisiT da aucilebelia, rom is pirovneba gaTviTcnobierebuli iyos im instrumentebSi, rac gamoiyeneba saeTod, fondebis mar- Tvis dros _ es minimaluri moTxovnebia. jer erTi, sapensio fondi ganviTarebad qveynebSi rTuli samar- Tavia (miT umetes, saqarTveloSi) dabandebisa da valutis TvalsazrisiT. Cvens SemTxvevaSi Tanxebi xom larSi akumulirdeba, es dabandebis mxriv sakmaod rTulia, radgan SezRuduli gvaqvs daban- `bevri niuansia, romelic gadauWreli Cans. Tundac is, rom mTavrobis gancxadebiT, mTeli, akumulirebuli Tanxis 20%-ze mets ar gaitanen qveynis gareT. anu 20%-ze metiT ar davafinansebT ucxo qveynis ekonomikebso. ramdenime wlis mere, roca fondi miaRwevs, pirobiTad, 5 mlrd lars, misi 20% aris 1 mlrd lari - Tundac amdeni ratom unda aiRos qarTulma ekonomikam da ratom unda Cados sxvisi qveynis ekonomikaSi?! an danarCeni 80% sad unda dabanddes?!~ debis obieqtebi. aseTi obieqtebi unda iyos, rasakvirvelia, diversificirebuli dabandebebi, magram, amasTan erTad, Cveni realobidan gamomdinare, iseT garantirebul instrumentebSi, rogoric aris saxazino valdebulebebi anda saxelmwifo fasiani qaRaldebi, sakmaod dabali Semosavlianoba gvaqvs. anu, realuarad, Cven rom avi- RoT inflaciis wliuri 3% da avi- RoT dabandeba wliuri 7%, kidev SeiZleba vivaraudoT, rom es Tanxebi, garkveulwilad, SenarCundeba, Tumca realuri inflacia gacilebiT maRalia. aqedan gamomdinare, mxolod da mxolod garantirebul instrumentebSi unda dabanddes es Segrovili fuli, rogoricaa saxelmwifo fasiani qaRaldebi. axla Seqmnili situaciidan Cans, _ sapensio fonds erTaderTi gamosavali eqneba, rom Tanxebi isedac gaberil sabanko sistemaSi gadauSvas, amiT ki bankebi damatebiT iaffasian resurss miiReben... an auqcionis, konkursis mixedviT unda ganTavsdes Tanxebi sabanko sistemaSi, esec ar aris gamosavali da mizanSewonili Cveni qveynisTvis. rac Seexeba sxva dabandebebs, Zalian momgebiani iqneboda am fondisTvis igive municipalur obligaciebSi dabandeba, romelic, samwuxarod, Cven ar gvaqvs. sxva saxis dabandebebi rCeba ucxoeTSi fasian qaRaldebSi, rac niSnavs, rom, garkveulwilad, moxdeba akumulirebuli Tanxis „sterilizacia” (roca es Tanxebi miemarTeba sxva qveyanaSi da kvebavs sxva qevynis ekonomkas, rac Cveni sistemidan amovardnili da dauSvebelia). realurad, sapensio fonds sakmaod kvalificiuri personali sWirdeba da vfiqrob, rom iseTi principiT SerCeuli kandidatura, romelic finansTa saministrom gamoaqveyna, araseriozulia da mis mixedviT SerCeulma kadrma, didi albaTobiT, SeiZleba absoluturad ar icodes sainvesticio portfelis formirebis wesebi. amitom, Cemi azriT, aq iseTi konkursi unda Catardes, sadac gamocdaSi monawileobas miiReben kvalificiuri eqspertebi, maT Soris, ucxoeTidan mowveulebi. sxva SemTxvevaSi, isev da isev, iseTi pirovneba iqneba Ser- Ceuli, romlis kvalifikaciac arasakmarisia da aman SeiZleba negatiuri efeqti iqonios qveynis ekonomikasa da sainvesticio garemoze. aseTi kadri sariskoc aris, aman SeiZleba gamowvios buntic, Tu sapensio fondi gakotrebis mimarTulebiT wavida. am SemTxvevaSi mas SeiZleba maRali albaTobis riski vuwodoT. erTaderTi gamosavali iqneba sapensio fondis kompensireba sabiujeto saxsrebidan, radgan sxva gamosavali mTavrobas ar eqneba. aman kidev SeiZleba uaresi Sedegi moitanos, imdenad ramdenadac is programebi, rac biujetidan finansdeba, aRar iqneba dafinansebuli da Tanxebis nawili wava sapensio fondis danakargebis Sesavsebad. amitom vambob, arom aq saWiroa Zalian frTxili da kvalificiuri midgoma. SeiZleba pirovnebas harvardis universiteti hqondes damTavrebuli da pirobi- Tad, 25 sertifikati aRebuli, magram es arafers niSnavs, Tu igi ar iqneba gadamowmebuli da ar dadasturda misi maRali sainvesticio kvalifikacia”. gadawyvetilebis miRebis bolo vada 14 seqtemberia. sabuTebis miReba kidev 15 dRis manZilze gagrZeldeba. vin mogvevlineba da ra kriteriumebs daakmayofilebs sapensio saagentos direqtori, amas ukve seqtembris Sua ricxvebSi gavigebT. 17
Page 1 and 2: CIAN MAGENTA YALLOW BLACK 294 69 77
Page 3 and 4: 294 69 77; qronikaqronika@gmail.com
Page 13 and 14: gazrdebis brali sul ar iyo. da vfiq
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Page 19 and 20: danergvaze, rom Cven globalur ekono
Page 21 and 22: mariam tieliZe ara mxolod saqarTvel
Page 23 and 24: ana uruSaZe konkretuli saxelmZRvane
Page 27 and 28: N27 (248) 14.08-4.09.2018 w. 294 69
Page 29 and 30: turistul mimoqcevaSi CarTva, aramed
Page 31 and 32: ana uruSaZe 294 69 77; qronikaqroni
Page 39 and 40: isev sami medali granpridan Ziudos

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