*** jugaad *** explained by wiki
Pronounced the same in Hindi and Urdu, it is pronounced as “jugaard” or “jugaardh”, while in Punjabi it is spelled as jagaard. Urdu transcriptions spell it as “jugaar” because the last letter in the Urdu word is closer to R than D (??).
Jugaad roughly corresponds to do-it-yourself (DIY) in the US, hacking in the UK, tapullo in Italy, zìzh? chuàngx?n (????) in China, Trick 17 in Germany, gambiarra in Brazil, système D. in France, or jua kali in Kenya; in addition, equivalent words within South Africa are ’n boer maak ’n plan in Afrikaans, izenzele in Zulu, iketsetse in Sotho and itirele in Tswana.