2-                               




                                        


                         

 69%      (  2.44)     80%     
     2.5               
           . (     ) 
.  "       "         
                    
                  
                             .        

                                             1
            :1             

                      2002  1999     
                          15%   
                            1.78 
                         2001   .1
                            
                            
                           .  
                           
                            ()
     2004      :.   .       
                     71.6) 69%      
                          (  
                    ( 2.44) 80%      
               .      ) .     
                        -1     1 
                                   (.  
          
                            
                              
 .       
                           .2004        1

                                     SASEI | 1

                             


                               
                                0.5%
            3.                           2.
                              
               :1                
                              
                        .      
                             
                            

                        .       
                               
                        ( )  
                                
                            1 ) .    
                         (     2  
                        ( 360,000)   12%
                             
                             .  
                              
          2004   :           
                                
                           .     
                               
                             
       .                   . 
                       2.5  (   ) 2004  
  67%                        
(   2 ) .                   
                               
                              .
    45                         
    15.5                      
     56                        
30)                        40,000      
     . 2005   (        .     70,000
           
      45    
        13%
                          2005                 2
             .                    
                                   
  .                    "    "     .
                               
       .                           
                          .     
                          17,000       
                               .     0.5% 
  2006    AREU/   3



                                      SASEI | 2

                                


      (2)                                
   (3)                                    
                                   .        
                                        (1) : 
                                            
                                       (4)  
   .                                       
                                        .  
  )                                            :  
 .(      
                                                        2
         .                                   
       
                                            
  .                                      
                                          
                                       .  
       .                                 
                                       .  
                                            
                                          
                                           
                   .                                .
                                   (90.2%)      
          % :2                        .    
                                       9.8%   
 100%   100%                           .  
  80%     80%            
                                          
       45-50%                         .     
 100%   100%                         (6  4)      
                                         
        100%           
                                          
    67%                   7 
                  (USAID/LTERA            
                          Pilot)           
           2005 USAID/LETRA :      .       
                                    .    -2-   
                                      ( )   
                                          2 
                                                  

                                         
 .                                        
                                           
     66.6%                                .
                                          
                                                    

                                                SASEI | 3

                        


                      . 
            .         350  200  
                       .    
                     .    
  .                        
                    .    
                     28  20     
   .              22        
                         . 
                 .        
  .                        
   180                      
.                   .    
        
                           :2 
        
         .
         
        
         .   

             3
        

           
   :      
         
      /  
                            2004   :

          
       .                
                             
  .                      . 
                     2.2       
                   (  7.5    )  
 .                                .
        
                            
         
                       
 .                     
                    .      
                   .       
                         
                        
      


                              SASEI | 4

                          


 .                         
                         
                        3    
                       UNHABITAT
                    )     .
           .              
                           (
               4          
                            
                      .     
                         
                           
 34                       
                   .       
         .                
                    .     
                          
                   .      
    .                    
                         
                               .
                          
   .                      
                        . 
                    .      
                         
    .                    
    2.44                  
                         ) 
     .               )    (
                      (   
                          
                          
                           . 
            .             
                           
     :                    
         (1)               
 .                         
         ( 2)                .
       
      (3) .                
        
                         
                       2001  
   25  10                  


                           SASEI | 5

                          


                          .   

                           

               .    .      2001 

      :                  (4)
                           
      2005                   (5) .
 2005    2004               
              .                  .




                             SASEI | 6

                             


                                                            5
                                                          

                                                          1 

               (2004)        - 
)                               )
  (     %  %                     (                        
   163   18%    31%    531,000  32,66                  
   341   82%    69% 2,442,000   71,56               
   285  100%   100% 2,973,000   104.22            
                                                       : 
                                                          
   505  3.1%   1.7%    91,000     1.8                 
   293  0.2%   0.2%     5,000    0.17              
   142  14.6%  29.5%   435,000  30.69              
                                                         
   264  3.0%   3.2%    88,000    3.33              
   342  66.6%  55.6% 1,980,000  57.96              
   365  12.6%  9.8%    375,000  10.26               


       .       5,000     10,000       60,000      *
                                          .  3    2004    




             2004   :         :2 




                                                   SASEI | 7

                   


2004             :3 




                 SASEI | 8