{"id":28952,"date":"2023-08-31T08:47:01","date_gmt":"2023-08-31T04:47:01","guid":{"rendered":"https:\/\/bankofgeorgia.ge\/blog\/siakhleebi\/migcevebi-gamocvevebi-da-perspeqtiva-ganatleba-rogorc-biznesi-saqartveloshi\/"},"modified":"2026-01-27T18:40:45","modified_gmt":"2026-01-27T14:40:45","slug":"migcevebi-gamocvevebi-da-perspeqtiva-ganatleba-rogorc-biznesi-saqartveloshi","status":"publish","type":"post","link":"https:\/\/bankofgeorgia.ge\/blog\/biznesi\/inovaciebi-da-startapebi\/migcevebi-gamocvevebi-da-perspeqtiva-ganatleba-rogorc-biznesi-saqartveloshi\/","title":{"rendered":"\u10d2\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10d0 \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d8: \u10e0\u10d0 \u10d4\u10da\u10d8\u10e1 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1?"},"content":{"rendered":"\n<p>\u10ee\u10d0\u10e0\u10d8\u10e1\u10ee\u10d8\u10d0\u10dc\u10d8 \u10d2\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10d0 \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10e3\u10e0\u10d8 \u10d3\u10d0 \u10e1\u10dd\u10ea\u10d8\u10d0\u10da\u10e3\u10e0\u10d8 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10ec\u10d8\u10dc\u10d3\u10d0\u10e0\u10d8\u10d0. \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10dc\u10d0\u10d7\u10d4\u10da\u10d8 \u10db\u10dd\u10db\u10d0\u10d5\u10da\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d2\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10d8\u10e1 \u10ee\u10d4\u10da\u10e8\u10d4\u10ec\u10e7\u10dd\u10d1\u10d0\u10e1 \u10d9\u10e0\u10d8\u10e2\u10d8\u10d9\u10e3\u10da\u10d8 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d1\u10d0 \u10d0\u10e5\u10d5\u10e1, \u10d0\u10db\u10d8\u10e2\u10dd\u10db\u10d0\u10ea \u201e\u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8\u201c \u10d2\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10d8\u10e1 \u10db\u10ee\u10d0\u10e0\u10d3\u10d0\u10e1\u10d0\u10ed\u10d4\u10e0\u10d0\u10d3 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0 \u10d7\u10e3 \u10d0\u10d3\u10d0\u10db\u10d8\u10d0\u10dc\u10e3\u10e0 \u10e0\u10d4\u10e1\u10e3\u10e0\u10e1\u10d4\u10d1\u10e1 \u10d0\u10e0 \u10d8\u10e8\u10e3\u10e0\u10d4\u10d1\u10e1. \u10e2\u10e0\u10d0\u10d3\u10d8\u10ea\u10d8\u10e3\u10da\u10d8 \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d4\u10d1\u10d8\u10d7 \u10d3\u10d0\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10ec\u10d4\u10d5\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d3\u10d0, \u201e\u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1\u201c \u10d2\u10e3\u10dc\u10d3\u10d8 \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10e3\u10da \u10d9\u10d5\u10da\u10d4\u10d5\u10d0\u10e1\u10d0\u10ea \u10d0\u10e5\u10e2\u10d8\u10e3\u10e0\u10d0\u10d3 \u10d0\u10ec\u10d0\u10e0\u10db\u10dd\u10d4\u10d1\u10e1, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10d8\u10dc\u10d3\u10e3\u10e1\u10e2\u10e0\u10d8\u10d8\u10e1 \u10ec\u10d0\u10e0\u10db\u10dd\u10db\u10d0\u10d3\u10d2\u10d4\u10dc\u10da\u10d4\u10d1\u10e1 \u10e1\u10d0\u10e5\u10db\u10d8\u10d0\u10dc\u10dd\u10d1\u10d8\u10e1 \u10e3\u10e4\u10e0\u10dd \u10d4\u10e4\u10d4\u10e5\u10e2\u10e3\u10e0\u10d0\u10d3 \u10d3\u10d0\u10d2\u10d4\u10d2\u10db\u10d5\u10d0\u10e8\u10d8, \u10e1\u10e2\u10e0\u10d0\u10e2\u10d4\u10d2\u10d8\u10d8\u10e1 \u10d2\u10d0\u10dc\u10e1\u10d0\u10d6\u10e6\u10d5\u10e0\u10d0\u10e8\u10d8 \u10d3\u10d0 \u10e1\u10ec\u10dd\u10e0\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ec\u10e7\u10d5\u10d4\u10e2\u10d8\u10da\u10d4\u10d1\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10e6\u10d4\u10d1\u10d0\u10e8\u10d8 \u10d4\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d0. \u10d0\u10db\u10ef\u10d4\u10e0\u10d0\u10d3 Galt &amp; Taggart-\u10db\u10d0 \u10d2\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10d7\u10d0\u10dc \u10d3\u10d0\u10d9\u10d0\u10d5\u10e8\u10d8\u10e0\u10d4\u10d1\u10d8\u10d7 \u10d5\u10e0\u10ea\u10d4\u10da\u10d8 <a href=\"https:\/\/www.galtandtaggart.com\/ka\/reports\/research-reports\/general-and-higher-education-georgia\" target=\"_blank\" rel=\"noopener\">\u10d0\u10dc\u10d0\u10da\u10d8\u10e2\u10d8\u10d9\u10e3\u10e0\u10d8 \u10d0\u10dc\u10d2\u10d0\u10e0\u10d8\u10e8\u10d8<\/a> \u10db\u10dd\u10d0\u10db\u10d6\u10d0\u10d3\u10d0, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10d0\u10e0\u10d0\u10d4\u10e0\u10d7 \u10e1\u10d0\u10d8\u10dc\u10e2\u10d4\u10e0\u10d4\u10e1\u10dd \u10d2\u10d0\u10e0\u10d4\u10db\u10dd\u10d4\u10d1\u10d0\u10d6\u10d4 \u10db\u10d8\u10e3\u10d7\u10d8\u10d7\u10d4\u10d1\u10e1.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u10eb\u10d8\u10e0\u10d8\u10d7\u10d0\u10d3\u10d8 \u10db\u10d8\u10d2\u10dc\u10d4\u10d1\u10d4\u10d1\u10d8<\/strong><\/h2>\n\n\n\n<p>\u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10d6\u10d4 \u10d3\u10d0\u10d9\u10d5\u10d8\u10e0\u10d5\u10d4\u10d1\u10d0 \u10ea\u10ee\u10d0\u10d3\u10e7\u10dd\u10e4\u10e1, \u10e0\u10dd\u10db \u10ec\u10da\u10d8\u10d3\u10d0\u10dc \u10ec\u10da\u10d0\u10db\u10d3\u10d4 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d2\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10d8\u10e1 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10da\u10d4\u10d1\u10d8 \u10db\u10d3\u10d2\u10e0\u10d0\u10d3\u10d0\u10d3 \u10d8\u10d6\u10e0\u10d3\u10d4\u10d1\u10d0. \u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d0\u10d3, 2022 \u10ec\u10d4\u10da\u10e1 \u10d6\u10e0\u10d3\u10d8\u10e1 \u10db\u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10d4\u10da\u10db\u10d0 10.5% \u10e8\u10d4\u10d0\u10d3\u10d2\u10d8\u10dc\u10d0, \u10d8\u10dc\u10d3\u10e3\u10e1\u10e2\u10e0\u10d8\u10d8\u10e1 \u10e1\u10d0\u10d4\u10e0\u10d7\u10dd \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10d0\u10da\u10d8 \u10d9\u10d8 2 \u10db\u10d8\u10da\u10d8\u10d0\u10e0\u10d3 600 \u10db\u10d8\u10da\u10d8\u10dd\u10dc \u10da\u10d0\u10e0\u10e1 \u10d2\u10d0\u10e3\u10e2\u10dd\u10da\u10d3\u10d0. 2010-\u10d3\u10d0\u10dc 2022 \u10ec\u10da\u10d0\u10db\u10d3\u10d4 \u10d2\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10db\u10d0\u10e0\u10d7\u10e3\u10da\u10d4\u10d1\u10d8\u10d7 \u10e1\u10d0\u10ee\u10d4\u10da\u10db\u10ec\u10d8\u10e4\u10dd \u10d3\u10d0\u10dc\u10d0\u10ee\u10d0\u10e0\u10ef\u10d4\u10d1\u10d8 \u10e4\u10d0\u10e5\u10e2\u10dd\u10d1\u10e0\u10d8\u10d5\u10d0\u10d3 \u10d2\u10d0\u10e1\u10d0\u10db\u10db\u10d0\u10d2\u10d3\u10d0 \u10d3\u10d0 \u10db\u10d0\u10dc \u10db\u10d7\u10da\u10d8\u10d0\u10dc\u10d8 \u10e8\u10d8\u10d3\u10d0 \u10de\u10e0\u10dd\u10d3\u10e3\u10e5\u10e2\u10d8\u10e1 3.7% \u10e8\u10d4\u10d0\u10d3\u10d2\u10d8\u10dc\u10d0.<\/p>\n\n\n\n<p>Galt &amp; Taggart-\u10d8\u10e1 \u10de\u10e0\u10dd\u10d2\u10dc\u10dd\u10d6\u10d8\u10d7, \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10dd\u10d5\u10d0\u10d3\u10d8\u10d0\u10dc \u10de\u10d4\u10e0\u10e1\u10de\u10d4\u10e5\u10e2\u10d8\u10d5\u10d0\u10e8\u10d8, \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e8\u10d8 \u10d2\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10d8 \u10ec\u10da\u10d8\u10e3\u10e0\u10d0\u10d3 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10dd\u10d3 8-10%-\u10d8\u10d7 \u10d2\u10d0\u10d8\u10d6\u10e0\u10d3\u10d4\u10d1\u10d0, \u10e0\u10d0\u10ea \u10d2\u10d0\u10dc\u10de\u10d8\u10e0\u10dd\u10d1\u10d4\u10d1\u10e3\u10da\u10d8 \u10d8\u10e5\u10dc\u10d4\u10d1\u10d0 \u10e1\u10d0\u10d2\u10d0\u10dc\u10db\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10da\u10dd \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d4\u10d1\u10d6\u10d4 \u10db\u10dd\u10d7\u10ee\u10dd\u10d5\u10dc\u10d8\u10e1 \u10d6\u10e0\u10d3\u10d8\u10d7 \u10d3\u10d0 \u10e1\u10d0\u10ee\u10d4\u10da\u10db\u10ec\u10d8\u10e4\u10dd\u10e1 \u10db\u10ee\u10e0\u10d8\u10d3\u10d0\u10dc \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10db\u10ee\u10d0\u10e0\u10d3\u10d0\u10ed\u10d4\u10e0\u10d8\u10e1 \u10d2\u10d0\u10d0\u10e5\u10e2\u10d8\u10e3\u10e0\u10d4\u10d1\u10d8\u10d7. \u10e0\u10d0\u10ea \u10e8\u10d4\u10d4\u10ee\u10d4\u10d1\u10d0 \u10e3\u10e8\u10e3\u10d0\u10da\u10dd\u10d3 \u10e1\u10d0\u10ee\u10d4\u10da\u10db\u10ec\u10d8\u10e4\u10dd\u10e1, \u10db\u10d8\u10e1\u10d8 \u10e0\u10dd\u10da\u10d8 \u10d2\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10e8\u10d8 \u10d9\u10dd\u10da\u10dd\u10e1\u10d0\u10da\u10e3\u10e0\u10d8\u10d0. \u10e3\u10e4\u10e0\u10dd \u10d9\u10dd\u10dc\u10d9\u10e0\u10d4\u10e2\u10e3\u10da\u10d0\u10d3, 2022 \u10ec\u10da\u10d8\u10e1 \u10db\u10d3\u10d2\u10dd\u10db\u10d0\u10e0\u10d4\u10dd\u10d1\u10d8\u10d7, \u10e1\u10d0\u10ee\u10d4\u10da\u10db\u10ec\u10d8\u10e4\u10dd \u10d1\u10d8\u10e3\u10ef\u10d4\u10e2\u10d8\u10d3\u10d0\u10dc \u10d2\u10d0\u10e6\u10d4\u10d1\u10e3\u10da\u10d8 \u10ee\u10d0\u10e0\u10ef\u10d4\u10d1\u10d8\u10e1 \u10db\u10dd\u10ea\u10e3\u10da\u10dd\u10d1\u10d0 2 \u10db\u10d8\u10da\u10d8\u10d0\u10e0\u10d3 300 \u10db\u10d8\u10da\u10d8\u10dd\u10dc \u10d3\u10dd\u10da\u10d0\u10e0\u10e1 \u10e8\u10d4\u10d0\u10d3\u10d2\u10d4\u10dc\u10e1, \u10e0\u10d0\u10ea \u10ec\u10da\u10d8\u10e3\u10e0\u10d0\u10d3 7.4%-\u10d8\u10d7 \u10d2\u10d0\u10d6\u10e0\u10d3\u10d8\u10da\u10d8 \u10db\u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10d4\u10da\u10d8\u10d0.<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u10d6\u10dd\u10d2\u10d0\u10d3\u10d8 \u10d2\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10d0<\/strong><\/h2>\n\n\n\n<p>\u10d6\u10dd\u10d2\u10d0\u10d3\u10d8 \u10d2\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10d8\u10e1 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10d0\u10da\u10db\u10d0 \u10d2\u10d0\u10e1\u10e3\u10da \u10ec\u10d4\u10da\u10e1 1 \u10db\u10d8\u10da\u10d8\u10d0\u10e0\u10d3 300 \u10db\u10d8\u10da\u10d8\u10dd\u10dc \u10da\u10d0\u10e0\u10e1 \u10db\u10d8\u10d0\u10e6\u10ec\u10d8\u10d0, \u10e0\u10d0\u10ea \u10ec\u10da\u10d8\u10e3\u10e0\u10d0\u10d3 11.8%-\u10d8\u10d7 \u10d2\u10d0\u10d6\u10e0\u10d3\u10d8\u10da\u10d8 \u10db\u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10d4\u10da\u10d8\u10d0. \u10d0\u10e5\u10d4\u10d3\u10d0\u10dc \u10e1\u10d0\u10ef\u10d0\u10e0\u10dd \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10d8\u10e1 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10d0\u10da\u10db\u10d0 986 \u10db\u10d8\u10da\u10d8\u10dd\u10dc\u10d8 \u10da\u10d0\u10e0\u10d8 \u10e8\u10d4\u10d0\u10d3\u10d2\u10d8\u10dc\u10d0, \u10ee\u10dd\u10da\u10dd \u10d9\u10d4\u10e0\u10eb\u10dd \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10d8\u10e1 \u10db\u10d8\u10d4\u10e0 \u10db\u10d8\u10e6\u10d4\u10d1\u10e3\u10da\u10d8 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10da\u10d8\u10e1 \u10db\u10dd\u10ea\u10e3\u10da\u10dd\u10d1\u10d0 288 \u10db\u10d8\u10da\u10d8\u10dd\u10dc\u10d8 \u10d8\u10e7\u10dd.<\/p>\n\n\n\n<p>Galt &amp; Taggart-\u10d8\u10e1 \u10de\u10e0\u10dd\u10d2\u10dc\u10dd\u10d6\u10d8\u10d7, 2023-2027 \u10ec\u10da\u10d4\u10d1\u10e8\u10d8 \u10db\u10dd\u10e1\u10ec\u10d0\u10d5\u10da\u10d4\u10d7\u10d0 \u10e0\u10d0\u10dd\u10d3\u10d4\u10dc\u10dd\u10d1\u10d8\u10e1 \u10db\u10ea\u10d8\u10e0\u10d4 \u10d6\u10e0\u10d3\u10d0\u10d0 \u10db\u10dd\u10e1\u10d0\u10da\u10dd\u10d3\u10dc\u10d4\u10da\u10d8, \u10e0\u10d0\u10ea \u10d3\u10d4\u10db\u10dd\u10d2\u10e0\u10d0\u10e4\u10d8\u10e3\u10da\u10d8 \u10e2\u10d4\u10dc\u10d3\u10d4\u10dc\u10ea\u10d8\u10d4\u10d1\u10d8\u10d7\u10d0\u10d0 \u10d2\u10d0\u10dc\u10de\u10d8\u10e0\u10dd\u10d1\u10d4\u10d1\u10e3\u10da\u10d8.<\/p>\n\n\n\n<p>\u10e1\u10d0\u10d8\u10dc\u10e2\u10d4\u10e0\u10d4\u10e1\u10dd\u10d0, \u10e0\u10dd\u10db \u10e5\u10d5\u10d4\u10e7\u10d0\u10dc\u10d0\u10e8\u10d8 \u10e1\u10e3\u10da 2,302 \u10e1\u10d9\u10dd\u10da\u10d0\u10d0 \u10e0\u10d4\u10d2\u10d8\u10e1\u10e2\u10e0\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d8, \u10db\u10d0\u10d7\u10d8 90% \u10d9\u10d8 \u10e1\u10d0\u10ef\u10d0\u10e0\u10dd\u10d0, \u10d3\u10d0\u10dc\u10d0\u10e0\u10e9\u10d4\u10dc\u10d8 212 \u10e1\u10d9\u10dd\u10da\u10d0 &#8211; \u10d9\u10d4\u10e0\u10eb\u10dd. \u10d0\u10dc\u10d0\u10da\u10d8\u10e2\u10d8\u10d9\u10dd\u10e1\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e4\u10d0\u10e1\u10d4\u10d1\u10d8\u10d7, \u10d9\u10d4\u10e0\u10eb\u10dd \u10e1\u10d9\u10dd\u10da\u10d4\u10d1\u10e8\u10d8 \u10e9\u10d0\u10e0\u10d8\u10ea\u10ee\u10d5\u10d4\u10d1\u10d8 \u10ec\u10da\u10d8\u10e3\u10e0\u10d0\u10d3 11.3%-\u10d8\u10d7 \u10e3\u10dc\u10d3\u10d0 \u10d2\u10d0\u10d8\u10d6\u10d0\u10e0\u10d3\u10dd\u10e1 \u10d3\u10d0 2028 \u10ec\u10da\u10d8\u10e1\u10d0\u10d7\u10d5\u10d8\u10e1 \u10db\u10dd\u10e1\u10ec\u10d0\u10d5\u10da\u10d4\u10d4\u10d1\u10d8\u10e1 \u10e0\u10d0\u10dd\u10d3\u10d4\u10dc\u10dd\u10d1\u10d0\u10db 73.2 \u10d0\u10d7\u10d0\u10e1\u10e1 \u10db\u10d8\u10d0\u10e6\u10ec\u10d8\u10dd\u10e1, \u10e0\u10d0\u10ea \u10e5\u10d5\u10d4\u10e7\u10d0\u10dc\u10d0\u10e8\u10d8 \u10d2\u10d0\u10d6\u10e0\u10d3\u10d8\u10da\u10d8 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10da\u10d4\u10d1\u10d8\u10d7\u10d0 \u10d3\u10d0 \u10e3\u10e0\u10d1\u10d0\u10dc\u10d8\u10d6\u10d0\u10ea\u10d8\u10d8\u10e1 \u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10e2\u10d4\u10db\u10de\u10d8\u10d7 \u10d8\u10e5\u10dc\u10d4\u10d1\u10d0 \u10d2\u10d0\u10dc\u10de\u10d8\u10e0\u10dd\u10d1\u10d4\u10d1\u10e3\u10da\u10d8.<\/p>\n\n\n\n<p>\u10db\u10d3\u10d2\u10e0\u10d0\u10d3\u10d8 \u10d6\u10e0\u10d3\u10d8\u10e1 \u10db\u10d8\u10e3\u10ee\u10d4\u10d3\u10d0\u10d5\u10d0\u10d3, \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e8\u10d8 \u10d9\u10d4\u10e0\u10eb\u10dd \u10d2\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d0 \u10d9\u10d5\u10da\u10d0\u10d5 \u10e4\u10e0\u10d0\u10d2\u10db\u10d4\u10dc\u10e2\u10e3\u10da\u10d8\u10d0. \u10e5\u10d5\u10d4\u10e7\u10d0\u10dc\u10d0\u10e8\u10d8 \u10d0\u10e0\u10e1\u10d4\u10d1\u10e3\u10da\u10d8 \u10e1\u10d9\u10dd\u10da\u10d4\u10d1\u10d8\u10d3\u10d0\u10dc \u10db\u10ee\u10dd\u10da\u10dd\u10d3 11 \u10d9\u10d4\u10e0\u10eb\u10dd \u10e1\u10d9\u10dd\u10da\u10d0\u10e1 \u10f0\u10e7\u10d0\u10d5\u10e1 1,000-\u10d6\u10d4 \u10db\u10d4\u10e2\u10d8 \u10db\u10dd\u10e1\u10ec\u10d0\u10d5\u10da\u10d4. Galt &amp; Taggart-\u10d8\u10e1 \u10e8\u10d4\u10e4\u10d0\u10e1\u10d4\u10d1\u10d8\u10d7, \u10d6\u10d4\u10db\u10dd\u10ee\u10e1\u10d4\u10dc\u10d4\u10d1\u10e3\u10da\u10d8 \u10db\u10dd\u10ea\u10d4\u10db\u10e3\u10da\u10dd\u10d1\u10d0 \u10e8\u10d4\u10e0\u10ec\u10e7\u10db\u10d8\u10e1 (M&amp;A) \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d4\u10d1\u10d6\u10d4 \u10db\u10d8\u10e3\u10d7\u10d8\u10d7\u10d4\u10d1\u10e1, \u10d0\u10dc\u10e3 \u10d6\u10dd\u10d2\u10d8\u10d4\u10e0\u10d7\u10d8 \u10d9\u10d4\u10e0\u10eb\u10dd \u10e1\u10d9\u10dd\u10da\u10d0 \u10e3\u10dc\u10d3\u10d0 \u10d2\u10d0\u10d4\u10e0\u10d7\u10d8\u10d0\u10dc\u10d3\u10d4\u10e1, \u10e0\u10d0\u10ea \u10d1\u10d0\u10d6\u10d0\u10e0\u10d6\u10d4 \u10e3\u10e4\u10e0\u10dd \u10db\u10e1\u10ee\u10d5\u10d8\u10da\u10d8 \u10d3\u10d0 \u10eb\u10da\u10d8\u10d4\u10e0\u10d8 \u10db\u10dd\u10d7\u10d0\u10db\u10d0\u10e8\u10d4\u10d4\u10d1\u10d8\u10e1 \u10e9\u10d0\u10db\u10dd\u10e7\u10d0\u10da\u10d8\u10d1\u10d4\u10d1\u10d0\u10e1 \u10e8\u10d4\u10e3\u10ec\u10e7\u10dd\u10d1\u10e1 \u10ee\u10d4\u10da\u10e1.<\/p>\n\n\n\n<p>\u10e0\u10d0\u10ea \u10e8\u10d4\u10d4\u10ee\u10d4\u10d1\u10d0 \u10e1\u10ec\u10d0\u10d5\u10da\u10d8\u10e1 \u10e1\u10d0\u10e4\u10d0\u10e1\u10e3\u10e0\u10e1, \u10d9\u10d4\u10e0\u10eb\u10dd \u10e1\u10d9\u10dd\u10da\u10d4\u10d1\u10d8\u10e1 \u10ec\u10da\u10d8\u10e3\u10e0\u10d8 \u10db\u10dd\u10e1\u10d0\u10d9\u10e0\u10d4\u10d1\u10d4\u10da\u10d8 1,000-\u10d3\u10d0\u10dc 20,000 \u10da\u10d0\u10e0\u10d8\u10e1 \u10e4\u10d0\u10e0\u10d2\u10da\u10d4\u10d1\u10e8\u10d8 \u10db\u10d4\u10e0\u10e7\u10d4\u10dd\u10d1\u10e1. \u10e1\u10d9\u10dd\u10da\u10d4\u10d1\u10d8\u10e1 \u10e3\u10db\u10e0\u10d0\u10d5\u10da\u10d4\u10e1\u10dd\u10d1\u10d0\u10e8\u10d8 \u10d2\u10d0\u10d3\u10d0\u10e1\u10d0\u10ee\u10d0\u10d3\u10d8 2,500 \u2013 5,000 \u10da\u10d0\u10e0\u10d8\u10e1 \u10e4\u10d0\u10e0\u10d2\u10da\u10d4\u10d1\u10e8\u10d8\u10d0, \u10d7\u10e3\u10db\u10ea\u10d0 \u10d0\u10e0\u10e1\u10d4\u10d1\u10dd\u10d1\u10d4\u10dc \u10d2\u10d0\u10db\u10dd\u10dc\u10d0\u10d9\u10da\u10d8\u10e1\u10d4\u10d1\u10d8\u10ea, \u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d0\u10d3, \u10d9\u10d4\u10e0\u10eb\u10dd \u10e1\u10d9\u10dd\u10da\u10d4\u10d1\u10d8\u10e1 12%-\u10e8\u10d8 \u10ec\u10da\u10d8\u10e3\u10e0\u10d8 \u10d2\u10d0\u10d3\u10d0\u10e1\u10d0\u10ee\u10d0\u10d3\u10d8 10,000 \u10da\u10d0\u10e0\u10e1 \u10d0\u10ed\u10d0\u10e0\u10d1\u10d4\u10d1\u10e1.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u10e3\u10db\u10d0\u10e6\u10da\u10d4\u10e1\u10d8 \u10d2\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10d0<\/strong><\/h2>\n\n\n\n<p>\u10d6\u10e0\u10d3\u10d8\u10e1 \u10d3\u10d8\u10dc\u10d0\u10db\u10d8\u10d9\u10d0 \u10e8\u10d4\u10d8\u10dc\u10d8\u10e8\u10dc\u10d4\u10d1\u10d0 \u10e3\u10db\u10d0\u10e6\u10da\u10d4\u10e1\u10d8 \u10d2\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10e8\u10d8\u10ea. 2022 \u10ec\u10d4\u10da\u10e1 \u10d8\u10dc\u10d3\u10e3\u10e1\u10e2\u10e0\u10d8\u10d8\u10e1 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10d0\u10da\u10db\u10d0 801.8 \u10db\u10d8\u10da\u10d8\u10dd\u10dc\u10d8 \u10da\u10d0\u10e0\u10d8 \u10e8\u10d4\u10d0\u10d3\u10d2\u10d8\u10dc\u10d0, \u10e0\u10d0\u10ea \u10ec\u10d8\u10dc\u10d0 \u10ec\u10d4\u10da\u10d7\u10d0\u10dc \u10e8\u10d4\u10d3\u10d0\u10e0\u10d4\u10d1\u10d8\u10d7 4.5%-\u10d8\u10d7 \u10d2\u10d0\u10d6\u10e0\u10d3\u10d8\u10da\u10d8 \u10db\u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10d4\u10da\u10d8\u10d0.<\/p>\n\n\n\n<p>\u10d0\u10dc\u10d0\u10da\u10d8\u10e2\u10d8\u10d9\u10dd\u10e1\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e4\u10d0\u10e1\u10d4\u10d1\u10d8\u10d7, \u10d9\u10d4\u10e0\u10eb\u10dd \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10d8\u10e1 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10da\u10d4\u10d1\u10d8\u10e1 \u10d6\u10e0\u10d3\u10d0 \u10e1\u10d0\u10d4\u10e0\u10d7\u10d0\u10e8\u10dd\u10e0\u10d8\u10e1\u10dd \u10e1\u10e2\u10e3\u10d3\u10d4\u10dc\u10e2\u10d4\u10d1\u10d8\u10e1 \u10db\u10ee\u10e0\u10d8\u10d3\u10d0\u10dc \u10d2\u10d0\u10d6\u10e0\u10d3\u10d8\u10da\u10d8 \u10db\u10dd\u10d7\u10ee\u10dd\u10d5\u10dc\u10d8\u10d7\u10d0\u10d0 \u10d2\u10d0\u10dc\u10de\u10d8\u10e0\u10dd\u10d1\u10d4\u10d1\u10e3\u10da\u10d8. \u10d0\u10e6\u10e1\u10d0\u10dc\u10d8\u10e8\u10dc\u10d0\u10d5\u10d8\u10d0, \u10e0\u10dd\u10db 2010-2022 \u10ec\u10da\u10d4\u10d1\u10e8\u10d8 \u10e3\u10ea\u10ee\u10dd\u10d4\u10da\u10d8 \u10e1\u10e2\u10e3\u10d3\u10d4\u10dc\u10e2\u10d4\u10d1\u10d8\u10e1 \u10e0\u10d0\u10dd\u10d3\u10d4\u10dc\u10dd\u10d1\u10d0 20-\u10ef\u10d4\u10e0 \u10d2\u10d0\u10d8\u10d6\u10d0\u10e0\u10d3\u10d0. \u10d0\u10db\u10df\u10d0\u10db\u10d0\u10d3 \u10e5\u10d5\u10d4\u10e7\u10d0\u10dc\u10d0\u10e8\u10d8 \u10d3\u10d0\u10d0\u10ee\u10da\u10dd\u10d4\u10d1\u10d8\u10d7 25 \u10d0\u10d7\u10d0\u10e1\u10d8 \u10e3\u10ea\u10ee\u10dd\u10d4\u10da\u10d8 \u10e1\u10e2\u10e3\u10d3\u10d4\u10dc\u10e2\u10d8\u10d0 \u10e0\u10d4\u10d2\u10d8\u10e1\u10e2\u10e0\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d8, \u10db\u10d0\u10d7\u10d8 88% \u10d9\u10d8 \u10ef\u10d0\u10dc\u10d3\u10d0\u10ea\u10d5\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10db\u10d4\u10d3\u10d8\u10ea\u10d8\u10dc\u10d8\u10e1 \u10de\u10e0\u10dd\u10d2\u10e0\u10d0\u10db\u10d0\u10d6\u10d4\u10d0 \u10e9\u10d0\u10e0\u10d8\u10ea\u10ee\u10e3\u10da\u10d8.<\/p>\n\n\n\n<p>\u10d9\u10d4\u10e0\u10eb\u10dd \u10e3\u10dc\u10d8\u10d5\u10d4\u10e0\u10e1\u10d8\u10e2\u10d4\u10e2\u10d4\u10d1\u10e8\u10d8 \u10e1\u10ec\u10d0\u10d5\u10da\u10d8\u10e1 \u10e1\u10d0\u10e4\u10d0\u10e1\u10e3\u10e0\u10d8 2,250-\u10d3\u10d0\u10dc 30,000 \u10da\u10d0\u10e0\u10d8\u10e1 \u10e4\u10d0\u10e0\u10d2\u10da\u10d4\u10d1\u10e8\u10d8 \u10db\u10d4\u10e0\u10e7\u10d4\u10dd\u10d1\u10e1. \u10e3\u10db\u10d4\u10e2\u10d4\u10e1 \u10e8\u10d4\u10db\u10d7\u10ee\u10d5\u10d4\u10d5\u10d0\u10e8\u10d8 \u10ec\u10da\u10d8\u10e3\u10e0\u10d8 \u10d2\u10d0\u10d3\u10d0\u10e1\u10d0\u10ee\u10d0\u10d3\u10d8 2,500 \u2013 5,000 \u10da\u10d0\u10e0\u10d8\u10e1 \u10d3\u10d8\u10d0\u10de\u10d0\u10d6\u10dd\u10dc\u10e8\u10d8\u10d0. \u10e3\u10dc\u10d3\u10d0 \u10d0\u10e6\u10d8\u10dc\u10d8\u10e8\u10dc\u10dd\u10e1, \u10e0\u10dd\u10db \u10d9\u10d4\u10e0\u10eb\u10dd \u10e3\u10dc\u10d8\u10d5\u10d4\u10e0\u10e1\u10d8\u10e2\u10d4\u10e2\u10d4\u10d1\u10d8\u10e1 \u10db\u10dd\u10d2\u10d4\u10d1\u10d8\u10e1 \u10db\u10d0\u10e0\u10df\u10d0 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10dd\u10d3 30%-\u10d8\u10e1 \u10e4\u10d0\u10e0\u10d2\u10da\u10d4\u10d1\u10e8\u10d8\u10d0, \u10e0\u10d0\u10ea \u10e1\u10d0\u10d9\u10db\u10d0\u10dd\u10d3 \u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10db\u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10d4\u10da\u10d8\u10d0.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u10d2\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10d8\u10e1 \u10de\u10d4\u10e0\u10e1\u10de\u10d4\u10e5\u10e2\u10d8\u10d5\u10d0<\/strong><\/h2>\n\n\n\n<p>Galt &amp; Taggart-\u10d8\u10e1 \u10e8\u10d4\u10e4\u10d0\u10e1\u10d4\u10d1\u10d8\u10d7, \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e8\u10d8 \u10d2\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10d8\u10e1 \u10d8\u10dc\u10d3\u10e3\u10e1\u10e2\u10e0\u10d8\u10d0 \u10db\u10d6\u10d0\u10e0\u10d3\u10d8\u10d0. \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10e3\u10d9\u10d5\u10d4 \u10d0\u10e6\u10d5\u10dc\u10d8\u10e8\u10dc\u10d4\u10d7, \u10d0\u10dc\u10d0\u10da\u10d8\u10e2\u10d8\u10d9\u10dd\u10e1\u10d4\u10d1\u10d8 \u10ec\u10da\u10d8\u10e3\u10e0\u10d0\u10d3 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10dd\u10d3 8-10%-\u10d8\u10d0\u10dc \u10d6\u10e0\u10d3\u10d0\u10e1 \u10de\u10e0\u10dd\u10d2\u10dc\u10dd\u10d6\u10d8\u10e0\u10d4\u10d1\u10d4\u10dc, \u10e0\u10d0\u10ea \u10e1\u10d0\u10d9\u10db\u10d0\u10dd\u10d3 \u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10db\u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10d4\u10da\u10d8\u10d0.<\/p>\n\n\n\n<p>\u10d8\u10dc\u10d3\u10e3\u10e1\u10e2\u10e0\u10d8\u10d8\u10e1 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d3\u10d0, \u201e\u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8\u201c \u10e1\u10ee\u10d5\u10d0, \u10d2\u10d0\u10ea\u10d8\u10da\u10d4\u10d1\u10d8\u10d7 \u10e3\u10e4\u10e0\u10dd \u10d0\u10db\u10d1\u10d8\u10ea\u10d8\u10e3\u10e0 \u10db\u10d8\u10d6\u10d0\u10dc\u10e1\u10d0\u10ea \u10d8\u10e1\u10d0\u10ee\u10d0\u10d5\u10e1, \u10e0\u10d0\u10ea \u10e0\u10d4\u10d2\u10d8\u10dd\u10dc\u10e8\u10d8 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d2\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10d8\u10e1 \u10f0\u10d0\u10d1\u10d0\u10d3 \u10e9\u10d0\u10db\u10dd\u10e7\u10d0\u10da\u10d8\u10d1\u10d4\u10d1\u10d0\u10e1 \u10d2\u10e3\u10da\u10d8\u10e1\u10ee\u10db\u10dd\u10d1\u10e1. \u10d0\u10db \u10db\u10d8\u10d6\u10dc\u10d8\u10e1 \u10db\u10d8\u10e1\u10d0\u10e6\u10ec\u10d4\u10d5\u10d0\u10d3 \u201e\u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8\u201c \u10d0\u10e5\u10e2\u10d8\u10e3\u10e0\u10d0\u10d3 \u10d2\u10d0\u10dc\u10d0\u10d2\u10e0\u10eb\u10dd\u10d1\u10e1 \u10e3\u10dc\u10d8\u10d5\u10d4\u10e0\u10e1\u10d8\u10e2\u10d4\u10e2\u10d4\u10d1\u10d8\u10e1, \u10d9\u10dd\u10da\u10d4\u10ef\u10d4\u10d1\u10d8\u10e1, \u10e1\u10d9\u10dd\u10da\u10d4\u10d1\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10e1\u10d0\u10e1\u10ec\u10d0\u10d5\u10da\u10d4\u10d1\u10da\u10d4\u10d1\u10d8\u10e1 \u10ee\u10d4\u10da\u10e8\u10d4\u10ec\u10e7\u10dd\u10d1\u10d0\u10e1.<\/p>\n\n\n\n<p>\u10d2\u10d0\u10e0\u10d3\u10d0 \u10d0\u10db\u10d8\u10e1\u10d0, \u201e\u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8\u201c \u10d2\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10d8\u10e1 \u10db\u10ee\u10d0\u10e0\u10d3\u10d0\u10e1\u10d0\u10ed\u10d4\u10e0\u10d0\u10d3 \u10d0\u10e0\u10d0\u10d4\u10e0\u10d7\u10d8 \u10e1\u10dd\u10ea\u10d8\u10d0\u10da\u10e3\u10e0 \u10de\u10e0\u10dd\u10d4\u10e5\u10e2\u10e1 \u10d0\u10ee\u10dd\u10e0\u10ea\u10d8\u10d4\u10da\u10d4\u10d1\u10e1, \u10db\u10d0\u10d7 \u10e8\u10dd\u10e0\u10d8\u10e1\u10d0\u10d0: STEM \u10e1\u10d9\u10dd\u10da\u10d0; \u10db\u10e3\u10da\u10e2\u10d8\u10e4\u10e3\u10dc\u10e5\u10ea\u10d8\u10e3\u10e0\u10d8 \u10d2\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d8\u10d5\u10e0\u10ea\u10d4 \u201e\u10d8\u10d3\u10d4\u10d0\u10d7\u10d4\u10d9\u10d0\u201c; \u10e1\u10e2\u10d8\u10de\u10d4\u10dc\u10d3\u10d8\u10d4\u10d1\u10d8 \u10ec\u10d0\u10e0\u10db\u10d0\u10e2\u10d4\u10d1\u10e3\u10da\u10d8 \u10e1\u10e2\u10e3\u10d3\u10d4\u10dc\u10e2\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1; \u10e1\u10d0\u10d2\u10d0\u10dc\u10db\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10da\u10dd \u10d0\u10e5\u10e2\u10d8\u10d5\u10dd\u10d1\u10d4\u10d1\u10d8 \u10d3\u10d0 \u10d0.\u10e8.<\/p>\n\n\n\n<p>\u10d6\u10d4\u10db\u10dd\u10ee\u10e1\u10d4\u10dc\u10d4\u10d1\u10e3\u10da\u10d8 \u10de\u10e0\u10dd\u10d4\u10e5\u10e2\u10d4\u10d1\u10d8 \u10d3\u10d0 \u10d0\u10e5\u10e2\u10d8\u10d5\u10dd\u10d1\u10d4\u10d1\u10d8 \u10db\u10d8\u10db\u10d0\u10e0\u10d7\u10e3\u10da\u10d8\u10d0 \u10d8\u10db\u10d8\u10e1\u10d0\u10d9\u10d4\u10dc, \u10e0\u10dd\u10db \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10d8 \u10db\u10d3\u10d2\u10e0\u10d0\u10d3\u10d0\u10d3 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d3\u10d4\u10e1 \u10d3\u10d0 \u10ee\u10d0\u10e0\u10d8\u10e1\u10ee\u10d8\u10d0\u10dc\u10d8 \u10d2\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10d0 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e8\u10d8 \u10e3\u10e4\u10e0\u10dd \u10db\u10d4\u10e2\u10d8 \u10db\u10dd\u10e1\u10ec\u10d0\u10d5\u10da\u10d8\u10e1\u10d0 \u10d7\u10e3 \u10e1\u10e2\u10e3\u10d3\u10d4\u10dc\u10e2\u10d8\u10e1\u10d0\u10d7\u10d5\u10d8\u10e1 \u10d2\u10d0\u10ee\u10d3\u10d4\u10e1 \u10ee\u10d4\u10da\u10db\u10d8\u10e1\u10d0\u10ec\u10d5\u10d3\u10dd\u10db\u10d8.&nbsp;<\/p>\n\n\n\n<p>\u10d2\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10ee\u10d4\u10d1 \u10d3\u10d4\u10e2\u10d0\u10da\u10e3\u10e0 \u10d8\u10dc\u10e4\u10dd\u10e0\u10db\u10d0\u10ea\u10d8\u10d0\u10e1 \u10d2\u10d0\u10d4\u10ea\u10d0\u10dc\u10d8\u10d7 Galt &amp; Taggart-\u10d8\u10e1 <a href=\"https:\/\/www.galtandtaggart.com\/ka\/reports\/research-reports\/general-and-higher-education-georgia\" target=\"_blank\" rel=\"noopener\">\u10d0\u10dc\u10d2\u10d0\u10e0\u10d8\u10e8\u10e8\u10d8<\/a>.&nbsp;<\/p>\n\n\n","protected":false},"excerpt":{"rendered":"Galt &#038; Taggart-\u10d8\u10e1 \u10d9\u10d5\u10da\u10d4\u10d5\u10d0 \u10d2\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10d6\u10d4: \u10d0\u10e6\u10db\u10dd\u10d0\u10e9\u10d8\u10dc\u10d4\u10d7 \u10d6\u10e0\u10d3\u10d8\u10e1 \u10e2\u10d4\u10dc\u10d3\u10d4\u10dc\u10ea\u10d8\u10d4\u10d1\u10d8, \u10d2\u10d0\u10db\u10dd\u10ec\u10d5\u10d4\u10d5\u10d4\u10d1\u10d8 \u10d3\u10d0 \u10e3\u10dc\u10d8\u10d9\u10d0\u10da\u10e3\u10e0\u10d8 \u10de\u10d4\u10e0\u10e1\u10de\u10d4\u10e5\u10e2\u10d8\u10d5\u10d4\u10d1\u10d8 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1\u10d7\u10d5\u10d8\u10e1.","protected":false},"author":1,"featured_media":28953,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1307],"tags":[1159,1418],"class_list":["post-28952","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-inovaciebi-da-startapebi","tag-galt-taggart","tag-ekonomika"],"acf":[],"_links":{"self":[{"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/posts\/28952","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/comments?post=28952"}],"version-history":[{"count":3,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/posts\/28952\/revisions"}],"predecessor-version":[{"id":41280,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/posts\/28952\/revisions\/41280"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/media\/28953"}],"wp:attachment":[{"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/media?parent=28952"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/categories?post=28952"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/tags?post=28952"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}