6(-$5$+1$%,1$%, '$,$0$OU485$1 'ZL 5DWQDVDUL - $EVWUDFW,Q ,VODP D SURSKHW KDV YHU\ VLJQLILFDQW UROHV $PRQJ WKHP DUH DV D PHVVHQJHU DQ DJHQW RI FKDQJH DQG D JXLGH WR FLYLOL]HG VRFLHW\ 7KH KLVWRU\ RI SURSKHWV LQ RO2XUDQ LV H[SODLQHG ZLWKRXW DQ\ FHUWDLQ RUGHUV 7KH\ DUH GHVFULEHG DV UHYROXWLRQDU\ ILJXUHV ZKR JXLGH WKH VRFLHW\ IURP WKH GDUN DJH WR WKH QHZ WKLQNLQJ EDVHG RQ WKH LGHRORJ\ RI WDXKLG .H\ZRUGV +LVWRU\ 3URSKHWV6WRU\ 6RFLHW\ 3(1'$+8/8$1 'DODP NHSHUFD\DDQ ,VODPVHEHOXP 1DEL 0XKDPPDG 6DZ RUDQJ \DQJ EHUWXJDV VHEDJDL QDEL PHPDQJ EDQ\DN'DODP FHULWD \DQJEDQ\DN PHQJKLDVL WDIVLU DO4XUDQDGD \DQJ PHQJDWDNDQEDKZD MXPODK QDEL VHNLWDU  RUDQJGL DQWDUDQ\D RUDQJ EHUNHGXGXNDQ VHEDJDL UDVXO $O4XUDQ VHQGLUL KDQ\D PHQJDWDNDQ .DPL PHQJXWXV EHEHUDSD XWXVDQ VHEHOXP HQJNDX 0XKDPPDG'L DQWDUD PHUHND LWX DGD \DQJ WHODK .DPL FHULWDNDQ NHSDGDPX GDQ DGD SXOD \DQJ WLGDN .DPL FHULWDNDQ NHSDGDPX .DQGXQJDQ D\DW LQL ELVD GLWDIVLUNDQEDKZD MXPODK QDEL PHPDQJ EDQ\DN GDQ KDQ\D VHEDJLDQ VDMD \DQJ GLVHEXW GDODP DO4XUDQ 0HVNLSXQ MXPODK QDEL PHQFDSDL UDWXVDQ ULEXGDQ UDVXO PHQFDSDL UDWXVDQGDODP DO4XUDQ \DQJ GLVHEXW VHFDUD HNVSOLVLW KDQ\D  QDEL GDQ UDVXO \DQJ WHUVHEDU GL EHUEDJDL VXUDW0HUHND DGDODK $GDP,GULV1XK +XG6KDOLK GDQ ,EUDKLP6HODLQ LWXWHUGDSDW MXJD QDPDQDPD VHSHUWL /XWK,VPDLO ,VKDT<DTXE <XVXI$\\XE6\XDLE0XVD+DUXQ']XO .LIOL'DZXG6XODLPDQ ,O\DV ,O\DVD<XQXV=DNDULD<DK\D,VD GDQ 0XKDPPDG+DGL\DK 6DOLP GDODP EXNX 4LVKDK DO$QEL\D PHQ\HEXWNDQ VHRUDQJ QDEL ODJL \DLWX .KDLGOLU\DQJ LOPXQ\D GLNDWDNDQ OHELK XQJJXO GDUL 0XVDPHVNL LD EXNDQODK VHRUDQJ UDVXO āL 3HQXOLV DGDODK 0DKDVLVZD 66., 8,1 6XQDQ .DOLMDJD <RJ\DNDUWD ,661 Bā