{"id":30881,"date":"2024-03-01T08:06:29","date_gmt":"2024-03-01T04:06:29","guid":{"rendered":"https:\/\/bankofgeorgia.ge\/blog\/siakhleebi\/mewarme-qalta-ganvitarebis-programashi-monawileobisas-mivxvdi-gezi-saitken-unda-amego-gaicanit-qarge\/"},"modified":"2026-01-27T19:15:34","modified_gmt":"2026-01-27T15:15:34","slug":"mewarme-qalta-ganvitarebis-programashi-monawileobisas-mivxvdi-gezi-saitken-unda-amego-gaicanit-qarge","status":"publish","type":"post","link":"https:\/\/bankofgeorgia.ge\/blog\/biznesi\/biznesganatleba\/mewarme-qalta-ganvitarebis-programashi-monawileobisas-mivxvdi-gezi-saitken-unda-amego-gaicanit-qarge\/","title":{"rendered":"\u10e5\u10d0\u10e0\u10d2\u10d4: \u10dc\u10d8\u10dc\u10dd \u10d1\u10d0\u10e0\u10d7\u10d8\u10d0\u10e1 \u10d2\u10d6\u10d0 \u10ec\u10d0\u10e0\u10db\u10d0\u10e2\u10d4\u10d1\u10d8\u10e1\u10d9\u10d4\u10dc | \u10db\u10d4\u10ec\u10d0\u10e0\u10db\u10d4 \u10e5\u10d0\u10da\u10d7\u10d0 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1 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\u10d0\u10db \u10db\u10d8\u10db\u10d0\u10e0\u10d7\u10e3\u10da\u10d4\u10d1\u10d8\u10d7 \u2014 \u10db\u10dd\u10d4\u10e5\u10d0\u10e0\u10d2\u10d0\u10d7 \u10e1\u10d0\u10d9\u10e3\u10d7\u10d0\u10e0\u10d8 \u10d7\u10d0\u10d5\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d0\u10dc \u10e1\u10ee\u10d5\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10e1\u10d0\u10e9\u10e3\u10e5\u10e0\u10d0\u10d3; \u10db\u10d0\u10da\u10d4\u10d5\u10d4 \u10d3\u10d0\u10d4\u10dc\u10d0\u10ee\u10d0\u10d7 \u10e8\u10d4\u10d3\u10d4\u10d2\u10d8, \u10e0\u10d0\u10db\u10d0\u10ea \u10d2\u10d0\u10dc\u10d0\u10de\u10d8\u10e0\u10dd\u10d1\u10d0 \u10db\u10d8\u10dc\u10d8\u10d0\u10e2\u10d8\u10e3\u10e0\u10e3\u10da \u10dc\u10d0\u10e5\u10d0\u10e0\u10d2\u10d4\u10d1\u10d6\u10d4 \u10d9\u10dd\u10dc\u10ea\u10d4\u10dc\u10e2\u10e0\u10d0\u10ea\u10d8\u10d0; \u10d3\u10d0 \u10e1\u10d0\u10d1\u10dd\u10da\u10dd\u10dd \u10e8\u10d4\u10d3\u10d4\u10d2\u10d8\u10d7 \u10e2\u10d9\u10d1\u10dd\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10e9\u10d0\u10e0\u10e9\u10dd\u10d6\u10d4 \u10e1\u10d8\u10e0\u10d1\u10d8\u10da\u10d8, \u10e8\u10d4\u10e0\u10e9\u10d4\u10d5\u10d0, \u10e8\u10d4\u10d9\u10d5\u10d4\u10d7\u10d0 \u10d0\u10e6\u10d0\u10e0 \u10d3\u10d0\u10e1\u10ed\u10d8\u10e0\u10d5\u10d4\u10d1\u10dd\u10d3\u10d0\u10d7&#8221;, \u2014 \u10d0\u10db\u10d1\u10dd\u10d1\u10e1 \u10dc\u10d8\u10dc\u10dd \u10d1\u10d0\u10e0\u10d7\u10d8\u10d0.<\/p>\n\n\n\n<p>\u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10e5\u10d0\u10e0\u10d2\u10d4\u10e1 \u10e8\u10d4\u10db\u10e5\u10db\u10dc\u10d4\u10da\u10d8 \u10d0\u10e6\u10dc\u10d8\u10e8\u10dc\u10d0\u10d5\u10e1, \u10db\u10e3\u10d3\u10db\u10d8\u10d5\u10d0\u10d3 \u10d7\u10d5\u10d0\u10da\u10e1 \u10d0\u10d3\u10d4\u10d5\u10dc\u10d4\u10d1\u10e1 \u10d3\u10d0 \u10d4\u10e0\u10d7\u10d5\u10d4\u10d1\u10d0 \u10e1\u10ee\u10d5\u10d0\u10d3\u10d0\u10e1\u10ee\u10d5\u10d0 \u10e2\u10d8\u10de\u10d8\u10e1 \u10e2\u10e0\u10d4\u10dc\u10d8\u10dc\u10d2\u10d4\u10d1\u10e1\u10d0 \u10d7\u10e3 \u10de\u10e0\u10dd\u10d2\u10e0\u10d0\u10db\u10d4\u10d1\u10e8\u10d8, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10e1\u10d0\u10e5\u10db\u10d8\u10d0\u10dc\u10dd\u10d1\u10d8\u10e1 \u10e1\u10ec\u10dd\u10e0\u10d8 \u10db\u10d8\u10db\u10d0\u10e0\u10d7\u10e3\u10da\u10d4\u10d1\u10d8\u10d7 \u10ec\u10d0\u10e7\u10d5\u10d0\u10dc\u10d0\u10e8\u10d8 \u10d3\u10d0\u10d4\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d0. \u10d4\u10e0\u10d7-\u10d4\u10e0\u10d7\u10d8 \u10d0\u10e1\u10d4\u10d7\u10d8 \u10d9\u10d8 \u10e1\u10ec\u10dd\u10e0\u10d4\u10d3 \u10db\u10d4\u10ec\u10d0\u10e0\u10db\u10d4 \u10e5\u10d0\u10da\u10d7\u10d0 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1 \u10de\u10e0\u10dd\u10d2\u10e0\u10d0\u10db\u10d0 \u10d0\u10e6\u10db\u10dd\u10e9\u10dc\u10d3\u10d0, \u10e0\u10dd\u10db\u10da\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10ee\u10d4\u10d1\u10d0\u10ea \u10dc\u10d8\u10dc\u10dd\u10db \u10e1\u10dd\u10ea\u10d8\u10d0\u10da\u10e3\u10e0\u10d8 \u10e5\u10e1\u10d4\u10da\u10d4\u10d1\u10d8\u10d3\u10d0\u10dc \u10d2\u10d0\u10d8\u10d2\u10dd. \u10de\u10e0\u10dd\u10d2\u10e0\u10d0\u10db\u10d8\u10e1 \u10d1\u10d4\u10dc\u10d4\u10e4\u10d8\u10e2\u10d4\u10d1\u10d8\u10d3\u10d0\u10dc \u10d2\u10d0\u10db\u10dd\u10db\u10d3\u10d8\u10dc\u10d0\u10e0\u10d4 \u10d9\u10d8, \u10d3\u10d0\u10e0\u10d4\u10d2\u10d8\u10e1\u10e2\u10e0\u10d8\u10e0\u10d4\u10d1\u10d0\u10ea \u10db\u10d0\u10da\u10d4\u10d5\u10d4 \u10d2\u10d0\u10d3\u10d0\u10ec\u10e7\u10d5\u10d8\u10e2\u10d0.<\/p>\n\n\n\n<p>&#8220;\u10de\u10d4\u10e0\u10d8\u10dd\u10d3\u10e3\u10da\u10d0\u10d3, \u10e7\u10dd\u10d5\u10d4\u10da\u10d3\u10e6\u10d8\u10e3\u10e0\u10d8 \u10e0\u10e3\u10e2\u10d8\u10dc\u10d8\u10d3\u10d0\u10dc \u10d2\u10d0\u10db\u10dd\u10e1\u10d5\u10da\u10d0 \u10d3\u10d0 \u10e1\u10d0\u10d9\u10e3\u10d7\u10d0\u10e0\u10d8 \u10e1\u10d0\u10e5\u10db\u10d8\u10d0\u10dc\u10dd\u10d1\u10d8\u10e1 \u10d3\u10d8\u10d3 \u10e1\u10e3\u10e0\u10d0\u10d7\u10e8\u10d8 \u10d3\u10d0\u10dc\u10d0\u10ee\u10d5\u10d0 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d8\u10e1 \u10e1\u10ec\u10dd\u10e0\u10d8 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10e3\u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d4\u10e1\u10d8\u10d0. \u10e1\u10ec\u10dd\u10e0\u10d4\u10d3 \u10d0\u10db\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d0 \u10db\u10dd\u10db\u10ea\u10d0 \u10db\u10d4\u10ec\u10d0\u10e0\u10db\u10d4 \u10e5\u10d0\u10da\u10d7\u10d0 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1 \u10de\u10e0\u10dd\u10d2\u10e0\u10d0\u10db\u10d0\u10db. \u10d2\u10d0\u10e0\u10d9\u10d5\u10d4\u10e3\u10da\u10d8 \u10de\u10e0\u10dd\u10ea\u10d4\u10e1\u10d4\u10d1\u10d8 \u10e1\u10ee\u10d5\u10d0 \u10d7\u10d5\u10d0\u10da\u10d8\u10d7 \u10d3\u10d0\u10d5\u10d8\u10dc\u10d0\u10ee\u10d4 \u10d3\u10d0 \u10db\u10d8\u10d5\u10ee\u10d5\u10d3\u10d8, \u10d2\u10d4\u10d6\u10d8 \u10e1\u10d0\u10d8\u10d7\u10d9\u10d4\u10dc \u10e3\u10dc\u10d3\u10d0 \u10d0\u10db\u10d4\u10e6\u10dd. \u10d2\u10d0\u10e0\u10d3\u10d0 \u10d0\u10db\u10d8\u10e1\u10d0, \u10d2\u10d0\u10d5\u10d8\u10ea\u10d0\u10dc\u10d8 \u10eb\u10d0\u10da\u10d8\u10d0\u10dc \u10e1\u10d0\u10d8\u10dc\u10e2\u10d4\u10e0\u10d4\u10e1\u10dd \u10d0\u10d3\u10d0\u10db\u10d8\u10d0\u10dc\u10d4\u10d1\u10d8: \u10db\u10d4\u10dc\u10e2\u10dd\u10e0\u10d4\u10d1\u10d8, \u10dd\u10e0\u10d2\u10d0\u10dc\u10d8\u10d6\u10d0\u10e2\u10dd\u10e0\u10d4\u10d1\u10d8 \u10d3\u10d0 \u10e0\u10d0\u10ea \u10db\u10d7\u10d0\u10d5\u10d0\u10e0\u10d8\u10d0, \u10db\u10dd\u10dc\u10d0\u10ec\u10d8\u10da\u10d4\u10d4\u10d1\u10d8 \u2014 \u10eb\u10da\u10d8\u10d4\u10e0\u10d8 \u10e5\u10d0\u10da\u10d4\u10d1\u10d8 \u10eb\u10da\u10d8\u10d4\u10e0\u10d8 \u10d8\u10d3\u10d4\u10d4\u10d1\u10d8\u10d7. \u10db\u10d4\u10ec\u10d0\u10e0\u10db\u10d4 \u10e5\u10d0\u10da\u10d4\u10d1\u10e1 \u10d2\u10d5\u10d0\u10e5\u10d5\u10e1 \u10ee\u10dd\u10da\u10db\u10d4 \u10d4\u10e0\u10d7\u10db\u10d0\u10dc\u10d4\u10d7\u10d8\u10e1 \u10db\u10ee\u10d0\u10e0\u10d3\u10d0\u10ed\u10d4\u10e0\u10d8\u10e1 \u10e3\u10d3\u10d8\u10d3\u10d4\u10e1\u10d8 \u10e1\u10e3\u10e0\u10d5\u10d8\u10da\u10d8 \u10d3\u10d0 \u10d4\u10e1 \u10e1\u10e3\u10da\u10d8\u10e1\u10d9\u10d5\u10d4\u10d7\u10d4\u10d1\u10d0 \u10d7\u10d8\u10d7\u10dd\u10d4\u10e3\u10da \u10e9\u10d5\u10d4\u10dc\u10d2\u10d0\u10dc\u10e1 \u10ec\u10d0\u10e0\u10db\u10d0\u10e2\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10e6\u10ec\u10d4\u10d5\u10d0\u10e8\u10d8 \u10ef\u10d0\u10db\u10e3\u10e0\u10d0\u10d3 \u10d9\u10d8\u10d3\u10d4\u10d5 \u10e3\u10e4\u10e0\u10dd \u10d2\u10d5\u10d4\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d0&#8221;, \u2014 \u10d0\u10e6\u10dc\u10d8\u10e8\u10dc\u10d0 \u10dc\u10d8\u10dc\u10dd \u10d1\u10d0\u10e0\u10d7\u10d8\u10d0\u10db<em>.<\/em><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/bankofgeorgia.ge\/blog\/app\/uploads\/2025\/03\/by6a5696-copy-scaled.jpg\" alt=\"\" class=\"wp-image-22544\"\/><\/figure>\n\n\n\n<p>\u10d0\u10e1\u10d4\u10d7\u10d8\u10d0 \u10dc\u10d8\u10dc\u10dd \u10d1\u10d0\u10e0\u10d7\u10d8\u10d0\u10e1 \u10e8\u10d7\u10d0\u10d1\u10d4\u10ed\u10d3\u10d8\u10da\u10d4\u10d1\u10d4\u10d1\u10d8 \u10db\u10d4\u10ec\u10d0\u10e0\u10db\u10d4 \u10e5\u10d0\u10da\u10d7\u10d0 \u10de\u10e0\u10dd\u10d2\u10e0\u10d0\u10db\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10ee\u10d4\u10d1, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10d7\u10d8\u10d7\u10dd\u10d4\u10e3\u10da \u10db\u10dd\u10dc\u10d0\u10ec\u10d8\u10da\u10d4\u10e1 360\u00b0-\u10d8\u10d0\u10dc \u10db\u10ee\u10d0\u10e0\u10d3\u10d0\u10ed\u10d4\u10e0\u10d0\u10e1 \u10e1\u10d7\u10d0\u10d5\u10d0\u10d6\u10dd\u10d1\u10e1 \u2014 \u10d8\u10d3\u10d4\u10d8\u10d3\u10d0\u10dc \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d8\u10e1 \u10ec\u10d0\u10e0\u10db\u10d0\u10e2\u10d4\u10d1\u10d0\u10db\u10d3\u10d4. \u10d0\u10db \u10db\u10d8\u10d6\u10dc\u10d8\u10e1 \u10db\u10d8\u10e1\u10d0\u10e6\u10ec\u10d4\u10d5\u10d0\u10d3, \u10de\u10e0\u10dd\u10d2\u10e0\u10d0\u10db\u10d0 \u10dd\u10d7\u10ee \u10eb\u10d8\u10e0\u10d8\u10d7\u10d0\u10d3 \u10e6\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d0\u10e1 \u10d4\u10db\u10e7\u10d0\u10e0\u10d4\u10d1\u10d0: \u10ea\u10dd\u10d3\u10dc\u10d0\u10e1, \u10db\u10ee\u10d0\u10e0\u10d3\u10d0\u10ed\u10d4\u10e0\u10d0\u10e1, \u10d2\u10d0\u10db\u10dd\u10ea\u10d3\u10d8\u10da\u10d4\u10d1\u10d0\u10e1\u10d0 \u10d3\u10d0 \u10d7\u10d0\u10dc\u10d0\u10db\u10e8\u10e0\u10dd\u10db\u10da\u10dd\u10d1\u10d0\u10e1. 2-\u10d7\u10d5\u10d8\u10d0\u10dc\u10d8 \u10de\u10e0\u10dd\u10d2\u10e0\u10d0\u10db\u10d0 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10e1, \u10e0\u10dd\u10db \u10db\u10d4\u10ec\u10d0\u10e0\u10db\u10d4 \u10e5\u10d0\u10da\u10d4\u10d1\u10db\u10d0 \u10d0\u10ee\u10d0\u10da\u10d8 \u10e3\u10dc\u10d0\u10e0\u10d4\u10d1\u10d8 \u10dd\u10d7\u10ee\u10d8\u10d5\u10d4 \u10db\u10d8\u10db\u10d0\u10e0\u10d7\u10e3\u10da\u10d4\u10d1\u10d8\u10d7 \u10e8\u10d4\u10d8\u10eb\u10d8\u10dc\u10dd\u10dc, \u10e1\u10d0\u10db\u10dd\u10db\u10d0\u10d5\u10da\u10dd\u10d3 \u10d9\u10d8 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